davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (FL)

A wire transfer was sent on XX/XX/XXXX for {$190000.00} for a real estate closing. Due to the incorrect routing number it went to the wrong bank. Unknown to me, the sender, it was automatically applied to a member 's bank account that happened to match the account number on the transfer form. However, if Chase bank would have reviewed the information when the wire came through, Thay would have seen the name of the recipient & the Bank did not match the account was credited the wire transfer. My credit union, XXXX XXXX, sent a recall to Chase Bank on Monday XX/XX/XXXX that the {$190000.00} was sent in error and to please return the wire to the sender. Chase Bank replied that due to the routing number and the account number matched their member they would have to contact that member first before returning the money. I have no idea who the member is, plus my form that was sent with the wire had the receiver to be XXXXXXXX XXXX  in XXXX, CT XXXX. Chase Bank stated wire transfers are automatically deposited and not reviewed by anyone after it arrives therefore if it matches a member 's account the wire is automatically deposited. On XX/XX/XXXX at my closing, we recognized our error we contacted Chase Bank immediately to recall this money. They recognized the error, saw it was not intended for their member but refused to return the money before checking with their member. I have not been given that member 's name, so there is a possibility when he sees this large amount of money deposited into his account ( he could say he knows me and was expecting a deposit, and I would lose my money. By pure coincident my wire matched a member of Chase Bank, the routing number and account number. ) It was said it would take 3-5 days to correct the recall it was done on Monday XXXX  while I was sitting with our real estate lawyer, see attached This was my closing the happiest day of my life I get to live near my son, it's been over XXXX yrs. since we've been close to each other, Now I'm worried sick, I'm so upset and can't sleep to think I could be taken advantage of! I reached out on Fri XXXX for a reply on day XXXX, I learned they changed the filing date to XX/XX/XXXX. This is not right, I have waited all week for my refund, now because they changed the filing date, I have to wait another week! The real estate attorney is pressing me for their money. I could l lose my new home because they refuse to expedite this. I have contacted my credit union every day ( all week ) asking if Chase bank returned my money, and they haven't. My credit union has tried to talk to a human, they don't answer the phone you leave a message, and someone will call back but they haven't. Chase Bank knows this is a real estate transaction and time is a big factor, Why Chase is keeping my money is really poor business decision and they have not been helpful nor tried to resolve in the transaction. I'm hoping you can help mel, thank you XXXX
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Trans Union XXXX and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX - 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information- Please delete this item immediately. 

XXXX XXXX - XXXX - Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates- THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX  - XX/XX/2022 - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

Trans Union, XXXX, and XXXX have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the data is inaccurate.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and XXXX ( a ) ( XXXX ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-27
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (NY)

My wife and I tried to transfer Chase XXXX XXXX points from her account to mine. I was told that there was already XXXX account attached to my credit card that had points transferred to/from my account and it needed to be removed. I could not find this mystery account on my online profile and Chase could not either. However, their computer system was still telling them that a mystery account was attached to my account which is why my wife is unable to transfer her points to me. 

Chase is not able to give me any information regarding this mystery account attached to my account and we've called XXXX times in 1 month. The last 3 times including today we were told that this would be sent to the escalations team where the problem would be resolved by them and we would get a letter in the mail explaining the resolution. Letter # 1 was short and sweet ; it simply stated that it acknowledged we reached out with an inquiry but we would need to call back with more information. Letter # 2 explains how we can easily transfer points online by ourselves and tells us to call back if we have any questions. On the phone today, I explained our frustration and was told that not only could we not talk to the people answering these escalations directly, but neither could the current escalations team we were speaking with. They have no way of talking to this different escalations department and they also could not share the information they are giving about this situation to the other department so that we could verify that the problem is being worded correctly. I told the escalation rep I was speaking with that the letters are just boiler plate messages and it looks as if a bot is just picking at keywords in the complaint and submitting knowledge base articles based on the key words. I was refused the ability to talk to someone who had the ability to solve the problem and I was refused information when asking for the number/email/being transferred to their XXXX. 

They have submitted another escalation but the representative made it clear that this would probably get us another letter in the mail with the same shallow results and no actual solution. I was told I could send a secure message online or mail a letter with my own statement explaining the problem but that doesn't mean I'll get a reply. The lack of willingness to help is only superseded by the actual ability to help. I don't think the people I spoke to are stupid or unprofessional. I think that Chase doesn't give them the power/ability to actually solve problems on purpose so that people just give up and spend more money with the company. 

Just to be clear, despite the error Chase is seeing in their system, their is no actual account linked to my account or my wife 's account. 


I have documents to upload but they include my name, address, and last XXXX digits of my account and this website is telling me not to share that information right now.
Consumer complaint received 2024-03-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Northstar Location Services, LLC (MI)

XXXX Bank has contentiously made negative marks on my credit account in regards to a account they no longer own. They have already stated in letter they gave account to Northstar Location Services a debt collection agency. When the debt was handled they reopened account and attempted to again charge me. I never gave them written or verbal permission to share my information with Northstar Location Services. They have errased all previews history of any payments and are attempting to collect inflated amount. When disputing they charge account more to further hurt score. Once they relinquished debt to Northstar Location Services they gave up rights to collect debt. In a attempt to pressure consumer they have contacted family at XXXX XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX XXXX, MI XXXX and Also the new address of parents at XXXX XXXX. The have made gaining any credit impossible for 4 years as they continue to mark account as over limit. They again marked account as over limit this morning.
Consumer complaint received 2024-02-12
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: NEW YORK COMMUNITY BANCORP INC (FL)

Company keep purchasing flood insurance under my account but I have my own flood insurance. I have provided multiple times over the past 6 months proof of insurance and every 2 months they re purchase flood insurance for my account and drain my escrow money increasing my mortgage payments. 
They do cancel the policies after multiple calls but after 2 months they do the same thing and purchase another flood insurance. 
This has happened XXXX times in the last XXXX months
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining.
Consumer complaint received 2024-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NY)

MOHELA placed me in forbearance in XXXX which makes it impossible for me to make payments. During this time my interest is accruing and there is nothing I can do about it. They also just wiped out my balance then reinstated a week later just as I was about to come out of forbearance. So now I am in forebearance all over again for another XXXX  months and they are going to make even more interest off me. They also raised my interest rate from XXXX to XXXX %. How is this not illegal?
Consumer complaint received 2024-04-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (TX)

I have been hit with a mortgages increase from XXXX to XXXX. This was due to a mistake on my taxes. They have my taxes at XXXX and my taxes are only XXXX according to the county of XXXX tax assessor. I have called numerous times because this huge swing can cause me to lose my house and no resolve. They have moved so slow that I am almost at the 30day late mark. I make my payments on time and think this is unfair. They should be able to read tax bills better since this is what they do.I sent the correct tax bill in over a month ago before the new payment would be due and still nothing
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

Equifax credit bureau in disputes inaccuracy on inquiries *XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

There exists multiple documented late payments on my credit report that appear to be fraudulent and inaccurate. I would like for my credit report to be updated and correctly reflect no missed payments ever on this account. The error shows on all three of my credit bureau reports as XXXX XXXX
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (NC)

On XX/XX/year> XXXX XXXX XXXXr. placed a inquiry on my credit report and I did not apply for credit from XXXX ever! 

On XX/XX/year> XXXXXXXX XXXXXXXX XXXX placed a inquiry on my credit report and I did not apply for credit from XXXXXXXX  before . 

On XX/XX/year> JPMCB CARD placed a inquiry on my credit report and I did not apply for credit from JPMCB CARD before. 

On XX/XX/year> JPMCB CARD, placed a inquiry on my credit report and I did not apply for credit from JPMCB CARD before.
Consumer complaint received 2023-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

This is a formal complaint to inform you that the account listed below is reporting erroneously & is inaccurate. The furnisher is reporting this account inaccurately. They informed me they had an internal issue & posted me past due. Please investigate this account & please update the account to a positive status of open/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX Iowa XXXX, Iowa XXXX Dear Sir/Madam, I am writing to file a complaint against XXXX XXXX XXXX XXXX and Wells Fargo regarding a transaction issue I experienced with XXXX on XX/XX/XXXX. I sent {$1500.00} to my husband to pay our mortgage through XXXX using my bank account with XXXX XXXX XXXX XXXX. However, the funds did not reach my husband 's account and have seemingly disappeared. 

After contacting XXXX XXXX XXXX XXXX, I was informed that the funds would clear the next day due to a limit on my account. However, the funds did not clear on XX/XX/XXXX, nor on XX/XX/XXXX. I was then told it would clear by Monday, XX/XX/XXXX. On that day, I had a conference call with my husband, his bank, and my bank, only to be told that the issue was on Wells Fargo 's end. 

Wells Fargo claimed they did not receive the funds and my bank instructed me to file a dispute, which could take up to XXXX months to resolve. This delay is unacceptable as I urgently need the funds to pay my mortgage. I trusted XXXX XXXX XXXX XXXX to protect my money and I feel they should have at least issued me a temporary credit while investigating the issue with XXXX. 

I request your assistance in resolving this matter and ensuring that my {$1500.00} is returned to me promptly. I appreciate your attention to this complaint and look forward to a timely resolution. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Subject : Urgent Resolution Needed : Addressing FCRA Violations in Credit Report Dear Transunion, I am writing with utmost urgency to address substantial discrepancies discovered in my credit report that directly conflict with the guidelines outlined in the Fair Credit Reporting Act ( FCRA ). It has recently come to my attention that my credit profile contains multiple errors, signaling a concerning disregard for FCRA regulations within your agency. 

To clarify : The Fair Credit Reporting Act is a pivotal federal statute governing the collection and reporting of consumer credit information. It mandates the accurate acquisition, retention, and dissemination of a consumer 's credit data, with a strong emphasis on transparent information sharing with consumers. 

Instances of FCRA violations observed include : Creditors furnishing inaccurate financial data to reporting agencies. 
Reporting agencies merging individuals ' information based on name or social security number similarities.

Agencies neglecting prescribed protocols for handling disputes.

My rights under the Fair Credit Reporting Act include : The right to verify the accuracy of my report, particularly for employment purposes.

Notification if information in my file has been used against me in credit applications or other transactions.

The ability to dispute and demand bureaus rectify and remove incomplete, erroneous, or unverifiable data.

Removal of outdated negative information ( typically after seven years, or ten in cases of bankruptcy ).

I formally request the immediate removal of the listed items below. These items egregiously breach FCRA standards due to inaccuracies, lack of verifiability, and persistent invalidation. Their presence has caused significant distress, notably evidenced in my recent denial for extended credit, a direct result of errors originating from your agency. 
1. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX - This address belongs to someone else. Delete it from my report immediately. 

2. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, GA XXXX- This address belongs to someone else. Delete it from my report immediately. 

3. I was never late on this account. XXXX already removed all the late payments on this account. 
XXXX Account Number : XXXX I demand XXXX and Transunion remove late payments on this account I anticipate prompt action to rectify these violations within the mandated timeframe by the FCRA. Failure to comply will, unfortunately, leave me no recourse but to pursue legal measures to ensure my rights under the FCRA are respected. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-03-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

Purchased impact drill on XXXX XXXX XXXX with my costco citi bank credit card and according to tracking number from usps it was delivered on XX/XX/XXXX. I have 4 cameras at home, and went though XX/XX/XXXXXXXX XXXX XXXX XXXX and cameras show no item was never delivered. Opened up a case with usps but told it was delivered even though I stated 4 cameras did not show any delivery of the XXXX XXXX XXXX XXXX XXXX XXXX but not help. Opened up dispute with citi bank who opened up case but favored with XXXX. Im out of {$120.00} for item I never received.
Consumer complaint received 2023-07-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc (NC)

I received an email from Chime that I opened up a checking account. I never did such a thing, and now I am really concerned. I never wen to their site, yet they have my email, and an account was opened in my name. I wrote them, and haven't heard anything. This is XXXX XXXX all over again. 
Why was I not sent an authentication email before this account was created? This seems careless and they need to be regulated.