davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-09
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (TX)

I am XXXX XXXX XXXX. I reside at XXXX XXXX XXXXXXXX XXXX XXXX in XXXX, Texas XXXX. On XX/XX/2024, I purchased a cashier 's check in the amount of {$63000.00} from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Texas XXXX. The cashier 's check number is XXXX. The money came from my personal savings account XXXX routing number XXXX. This money was sent to XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. She deposited the check in her checking account on and was told there would be a hold on it through XX/XX/XXXX. She banks for Chase Bank in California. She was informed that they did not intend to honor the deposit as they suspected this to be a romantic scam. My bank informed me that the money would be returned to my savings account. Chase had cashed the cashier 's check and intended to wire the money back to my account. I attempted to speak with Chase myself, but they refused stating I was not their member. I was not given any explanation as to why they are STILL holding onto my money. I understand there was an investigation, but this should have been concluded by now. I had XXXX 's account number and routing number, but I was unable to locate at this moment. I'm sure I will have it before we communicate again. I did make a complaint to the XXXX XXXX XXXX over two weeks ago. They gave the assignment to a Chase employee to check on the holdup. I spoke to her after the first week and she stated she didn't have any information at that time. In the meantime, all my plans have come to a stop. I was to be out of my apartment as of XX/XX/XXXX as I was moving to XXXX XXXX, South Carolina. I am unable to do that since my money is tied up. I am a XXXX XXXX and I do not work during the summer months therefore I am on limited funds and something has to be done. Any assistance or suggestions from your office will be greatly appreciated.
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I regret to inform you that I can not accept your decision to dismiss my identity theft claim by attributing it to an error or a misrepresentation of material fact. It raises serious concerns as to how and why you possess the authority to determine what constitutes a material fact. It's worth noting that your role does not grant you the powers of a judge or jury, nor any inherent right to make such determinations.According to the guidelines set forth by the Federal Trade Commission ( FTC ), when an FTC identity theft report has been filed with a law enforcement agency ( which the FTC itself is ), the protocol is to adhere to the law and investigate accordingly.I am willing to grant you one final opportunity to process my request concerning my identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (TX)

On XX/XX/23 I was notified by Venmo that there was a dispute with a payment I received and they were taking the funds back. I didn't have the funds in Venmo to cover the amount removed so I transferred the money back to Venmo immediately. I argued the dispute and the person that started the dispute canceled it altogether and her bank issued a letter on XX/XX/23 that the dispute had been dropped and the funds would be deducted back from her account. On XXXX the funds were deducted from her account and given back to Venmo. I have attached documentation showing both of the claims. I had no idea she had canceled the dispute so I was still waiting the 75 days to hear what happened. I was contacted by the person that started the dispute on XX/XX/XXXX and was told that she had canceled the dispute and that I should have the monies owed to me. She provided the same proof I have attached for you to review. Venmo has had these funds since XXXX, I presented them the same attachments I have provided you and they still have not refunded me the money due to me ( {$1800.00} ) and I need this money.
Consumer complaint received 2024-05-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (CA)

I opened a claim thats been going on with my account they replaced my card linked it to my wallet and all that to all my reoccurring payments and they took money from my account a couple times and now I made a claim again and reported the problem and they decline my claim and changed my card update my card to all my payments and again they took a lot of money away and called again and they claim and now they refund of XXXX only but not the rest of the claim and now they called to confirm email and stuff and said they are closing my account due to fraud prevention so now I wont be able to open a account somewhere eles beside of them not blocking Reoccurring payments one after other one I have Printed all Bank statements and all and its impossible they wouldnt block my card after all that and now I got a email saying they are closing all my accounts for just making a claim and reporting fraud from my own money they cant keep save and now they willl just close my account and not give me my stolen money I will be reporting all this and already talking to a lawyer and taking all the paper work to him to handle this matter cant believe I got my money token away and now only cause i report it they want to close my account I will sumitting it to a news station so I can get help so people can be aware of Wells Fargos Practices
Consumer complaint received 2023-12-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NV)

The account XXXX XXXX XXXX is reporting three late payments of 30 days. XXXX, XXXX and XXXX This is highly incorrect. 
These payment were paid on time and as scheduled. I reached out to XXXX about this account and they keep telling em to hold and then they send out a letter saying that even though they were wrong, they can't go and change already posted information. 
The account was opened XXXX. XXXX, XXXX. It was an Auto Loan. Reporting XXXX XXXX inquire should be removed. XXXX. XXXX, XXXX. Reporting XXXX XXXX XXXX inquire should be removed. XXXX. XXXX, XXXX. Reporting XXXX XXXX XXXX should be removed, not my name. XXXX XXXX is my name. Reporting XXXX XXXX XXXX is reporting should be removed. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX is reporting should be removed, my only address is XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX
Consumer complaint received 2024-05-01
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One Venture X was advertised as a credit card that allows customers to earn miles and transfer those miles to other airlines. However, this core functionality is not working, and they have no workaround for it. They have no idea when it will be resolved and have said it's affecting multiple customers. They do not seem to be rushed in fixing this issue for customers. A quick XXXX search will show that this issue has been affecting many customers since more than a year ago. This is NOT okay to not be resolved immediately. There is an issue with their XXXX method.
Consumer complaint received 2023-09-25
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Dear Sir or Madam : PLEASE HAVE THE FOLLOWING accounts deleted due it was someone else name put on my credit XXXX XXXX is NOT MY NAME and her account was on my credit. 
Please delete the following accounts immediately 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 XXXX I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. [ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. A copy of my Identity Theft Report and proof of my identity. A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter, and await your reply.
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

In XXXX of 2023 I reported that I had some unauthorized and unrecognized inquiries on my consumer report. Fast forward 6 months later I have 4 or five credit cards that I never received or even applied for all of which are carrying a delinquent balance. And they are still reporting the inaccurate false and misleading fraudulent information on my credit report. And it needs to be deleted immediately. I and when I reported this to them last week I informed them that my personal information is XXXX XXXX My only residential address is XXXX XXXX XXXX XXXX CA XXXX My business addresses is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mn XXXX XXXX is the only address Im connected to. And ( XXXX ) XXXX personal ( XXXX ) XXXX business Are the only telephone numbers im connected to And they still havent gotten that right. 
And i asked them to remove all my employer information and my ss # and they still havent done that either
Consumer complaint received 2024-04-30
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

I was working with a loan officer from Bank of America to acquire a mortgage on a home while in contract. The XXXX misrepresented our assets in the application and took over two weeks to notify me after knowledge of underwriting denials. Bank of America never provided me with formal documentation for the denial reason and took over a week to get the required documentation to another lending intuition. 

Additionally, I paid a {$930.00} appraisal fee to Bank of America on XX/XX/2024. This payment was processed over the phone and no receipt has been provided. Bank of America instead has sent an invoice to the new lender stating that I did not pay the fee.
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2 Account name : XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX  Account name : U.S. DEPARTMENT OF EDUCATION, XXXX XXXX  Account name : U.S. DEPARTMENT OF EDUCATION XXXX XXXX Account name : U.S. DEPARTMENT OF EDUCATION XXXX XXXX Account name : U.S. DEPARTMENT OF EDUCATION XXXX XXXXXXXX Account name : U.S. DEPARTMENT OF EDUCATION XXXX XXXXXXXX Account name : U.S. DEPARTMENT OF EDUCATION # XXXX Account name : XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 information is inaccurate
Consumer complaint received 2023-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit 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 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

I recently took the time to review a copy of my credit report and I noticed that there are some fraud accounts listed on my report. I have previously reached out to the credit bureau to rectify this affair but they have been negligent in complying with my request. The disputed information is not related to any transaction made by me. 

The accounts and inquiries listed do not belong to me and are invalid. The disputed information does not relate to any transaction made by me. A copy of my drivers license, social security card, and FTC report.
Consumer complaint received 2018-12-28
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY (MN)

On XX/XX/XXXX, I signed a Modification Agreement/Personal Line of Credit with Wells Fargo. On XX/XX/XXXX, I went to pay off this loan and was surprised by an additional {$2300.00} fee. Reviewing our contract, it clearly states that " the Bank has agreed to waive unpaid interest accrued to the Date of this Agreement, and any late charges OR OTHER CHARGES ACCRUED TO THE DATE OF THIS AGREEMENT THAT I MAY OWE OTHER THAN THE PRINCIPAL " ( Section 3i ). Additionally, when writing the check to pay off the loan, I was asked to pay {$46.00} in excess with no explanation/nor understanding of why this amount was added.

Since this transaction, I have tried to get clarification of the additional {$2300.00} and {$46.00} charges. The responses have been conflicting, inconsistent, inaccurate and unsubstantiated. I have resorted to sending written, registered responses via the USPS as we have dealt directly with numerous people at Wells Fargo with differing interpretations. The conditions of the contract seem quite clear and yet, no one seems to fully understand the written terms. With all these conflicting responses, we are now getting notifications that the company has refunded our {$46.00} which, again, is incorrect. 

I am getting no where with this Bank and need additional assistance. Included in this request form, I have included a few principal documents.
Consumer complaint received 2024-04-30
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. (IL)

PLEASE BLOCKED AND REMOVED. 
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MO)

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove it from my credit report. 

2. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 

4. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

5. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

8. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

9. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove it from my credit report. 

10. 15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE PRETENSES XXXX Account Number : XXXX Please remove it from my credit report. 


11. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 12. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS DEPT OF ED Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

13. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS DEPT OF ED Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2024-01-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Professional Debt Mediation, Inc. (NV)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. The biggest violation everyone in is HJR 192. As all debts are prepaid, there is no valid claim for any further payment. Understand *no valid claim for any further payment* So for a third-party company to be trying to collect a debt is beyond breaking regulations & the LAW. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to 3rd party companies so this is illegal, neglect and SECURITIES FRAUD. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed Immediately.
Consumer complaint received 2024-01-21
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (GA)

Received an AMEX gift card for 2023 XXXX, have tried to use at XXXX, XXXX and several locations, will not work even though balance says it is {$100.00} available.
Consumer complaint received 2024-01-20
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (UT)

My state of Utah gov't unemployment benefits were direct deposited to the US Bank RELIA CARD . ( which is the card/acct they offer by default ). 
I called them and asked to have a card sent to me because I never got a card from them when I was initially signed up to that card service by the state of Utah. 
They over-nighted the card to me for {$15.00} and deducted the money from my balance which was just under {$2600.00}. ( {$310.00} per week for 8 weeks of back pay Utah owed me while they verified my identity ). I got my card in the mail UPS two days later and went to activate the new card and I kept getting denied on the activation process, so I called the number on the back of the card, and I was told my account has been closed for some period of time. And they refused to give me any other information at all other than I need to contact the F.U.I.. ( AND THEN THEY HUNG UP THE PHONE ) and everytime I go to call them they just hang up on me immediately once I identify myself to them. So now I don't know who the F.U.I. company is or anything that I need to do to move forward on this to get my money back.