davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

My mortgage broker sent me wire instructions ( in a thread of emails we were sending back and forth ) and it turns out they did not send that one email out of the thread and said it must have been intercepted. I sent a VERY large sum of money from XXXX ( my account ) to JP Morgan Chase via a wire yesterday. It turned out that was a fraudulent account. JP Morgan Chase won't speak to me about this matter. XXXX said they are trying to get funds back via recall submission to JP Morgan but don't know the status of the funds or timing or if I will get the funds. I am in the process of closing on a house and may lose the house - and perhaps the funds? This is an emergency and I am not getting enough information or commitment that this serious fraud is being addressed.
Consumer complaint received 2024-01-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MO)

XX/XX/XXXX I was contacted via XXXX XXXX for an offer to purchase an engagement ring I had listed that day. The buyer reached out and said they would come by the next day to pick it up and would send payment right away. However once that was established, I received an email from, supposedly, VENMO pay services, stating my business account needed to be verified and in order to do that, I would need to send {$500.00} to the buyer and then Venmo would release the {$1700.00} back to me, {$500.00} for my deposit and {$1200.00} for the price of the ring. I set up the account and sent the payment not realizing I had been scammed. I sent a screenshot of the transfer to the buyer as instructed by VENMO, and then received another request for an additional {$500.00}. That is when I went back and checked the domain name from the emails and it was clearly NOT VENMO. It was XXXX. I immediately told the buyer I wanted my money back, obviously they didn't comply. I reached out to VENMO and reported the instance and they said they'd be getting me the money back but need 10 business days to do so. However I received a follow-up email from Venmo stating I would not be getting my money back. I called today and told them, they need to backtrack the wired funds to the fraudulent account and contact the banking institution where the funds ended up and report those as fraudulent funds so they could send the money back. However they said they can't do this and no refund to me. I expressed that they should absolutely be able to refund this money since it was obvious Fraud, but they said they don't do that. That means, they are supporting fraudulent transactions to occur on their platform without any recourse to rectify the situation for the consumer. I am asking for an investigation into this situation and would hope this will encourage them to refund the money. They allowed this fraudster to set up an account on their platform, yet they can't do anything when it's brought to their attention. I don't buy it. They should have XXXX XXXX in place and fraud insurance to cover situations like these. I also filed a complaint with XXXX, XXXX, and my local police. If you need any further information I would be more than happy to oblige. 

XX/XX/XXXX - XXXX, MO. Case # XXXX XX/XX/XXXX Venmo Case # XXXX and XX/XX/XXXX case # XXXX XX/XX/XXXX XXXX XXXX # XXXX Thank you for your assistance with this matter. This was the last of our money and was devastating to me and my daughter. It was her money we sent them, thinking I would get it back. Anything you can do to help me get this money back is truly appreciated. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-23
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: DISCOVER BANK (TX)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2024-01-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (PA)

I just became a customer of PNC bank it's been 2 months and already having to deal with fradualant transaction appearing on my account. On XX/XX/23 I placed a curb side food order delivery to my house with XXXX XXXX in the amount of XXXX which was deducted from my account, then on XX/XX/23 my account had a deduction in the amount of XXXX from XXXX XXXX XXXX XXXX XXXX PA. I then called Customer service at XXXX XXXX the informed me there was no store at that location XXXX XXXX XXXX PA. I then called PNC customer service and asked them how could a fradualant transaction go thru on my account when I had my card locked and secured, she lied and told me my card must have been unlocked for the charge to go through but I know it was locked. Now I have another fradualant charge that appeared on my account that's pending made on XXXX ) XX/XX/23 in the amount of XXXX from the so called Fictitious XXXX XXXX XXXX XXXX XXXX PA.I will dispute this charge as soon as it clears.
Consumer complaint received 2023-12-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: DISCOVER BANK (PA)

So I was trying to use my debit card to purchase something on the XXXX XXXX store. I had used it earlier in the day on XXXX XXXX no problem. This time however my bank declined the transaction. I attempted a few more times over the next day and it was declined every time. After hours of back and forth between Discover support and XXXX support, I was told the transactions were being declined by Discover " for security reasons ''. I asked what the security concerns were and was refused an answer. I asked for a timeframe for the issue to be resolved and was refused an answer. Because I am being completely refused the reason and any method or timeframe to resolve it, I am writing this complaint. They are refusing to work with me to resolve this issue and restore full access to my debit account
Consumer complaint received 2024-01-22
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: WELLS FARGO & COMPANY (FL)

i ordered a new wells fargo reflect credit card as i had lost my original card. 
i noticed it was pretty long past when i was supposed to receive it in the mail. when i logged into wells fargo i noticed the pending charge for {$4900.00} for what appears to be an XXXX XXXX XXXX, as well as a {$66.00} charge for a XXXXXXXX XXXX ; both were not me, and now it was clear that my mail was stolen. 
i told wells fargo and they cancelled the card, overnighted a new one and reversed the charge. 
on XX/XX/XXXX the vendor charged me again. since then wells fargo has not made it right and even sent me a letter deeming me responsible for the {$5000.00}.
Consumer complaint received 2024-01-20
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: VERITAS FUNDING, LLC (IN)

I was called by Veritas Mortgage in XX/XX/XXXX to refinance my property and receive a cash out. I also had did some shopping around. The mortgage broker promised a lot of items that as today I now no that they were not true. He did not disclose about the points that they would charge. I did not discover until after the fact. During the process my disclosure changed three different times. Items I was told in the beginning I could not shop for and the company ended up using their own individuals associated with their company at a high price. My original interest rate was 3.1 %, originally, I was told my interest would be around 5 % only. My credit score was a XXXX. I was charged over {$15000.00} as origination fee {$14000.00} being represented as points but was not. with an administrative fee of almost XXXX Appraisal fee excessively high as well credit report {$130.00}. There was an error in my homeowner 's insurance the amount prepaid was the same amount as the year XXXX  This lets me know that no one was called, I called the VA mortgage section, and they said what was done was not right but illegal and VA was not told about that excessive number of points. I would have never agreed to this. I was exploited and large amount of money that should have come to me went to them Veritas Funding. I have been directed also to file a complaint with VA and shall do. My loan was immediately sold to a sub-prime mortgage company. I was sent a 1098 and the money that was indicated for points was not stated. They said when asked Veritas should also send me a 1098 but has not as of yet. Veritas is predatory lender as well as XXXX.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act, 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. secondly, i have the right to sue if i think consumer bureaus are preventing me from getting certain loans or benefits by reporting false information on my report. Incorrect credit reporting I have an account that is not correctly reported. 

Account Name : XXXX XXXX Bank, Account number : XXXX This account has been paid in full but you still have a report saying i owe {$1300.00} which is not true account current balance at {$00.00} contact XXXX XXXX Bank and verify this information. account payment reference number : XXXX Account Name : XXXX XXXX XXXX XXXX Account number : XXXX This account has been paid in full but you still have a report saying i owe {$2700.00} which is not true account current balance at {$00.00} contact bank and get accurate information Account Name : XXXX XXXX XXXX XXXX Account number : XXXX This account has been paid in full but you still have a report saying i owe {$100.00} which is not true account current balance at {$00.00} contact bank and get accurate information
Consumer complaint received 2024-02-10
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL (CA)

I placed an order for furniture at Crate and Barrel using the store credit card issued by Syncrony bank. I paid for delivery fee in the store. 

due the fact that my order was big, C & B did several deliveries, in fact 5 of them, and 2 deliveries were cancelled due to damaged furniture in the truck. 

they charged me for every delivery, although I never gave them consent. 

I wrote a letter to HQ when I saw strange transactions, and I reported a fraud to Synchrony bank. 

I received an apology from C & B, manager XXXX XXXX spoke with me and explained that billing automatically charged me for every delivery and store employee just needed to credit the delivery charge, but she did not. She said it is a standard practice and indeed I should not pay extra for delivery if C & B splits one delivery to a few. 

C & B credited all delivery charges, but a month later I got a letter from Syncrony bank and they say " you did it ''. they charged me again, they overrode all the credits provided by the store and demand I owe them for 3 delivery. 

This is a pure fraud.
Consumer complaint received 2024-01-18
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. (TX)

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2024-04-15
Product: Credit card — Store credit 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)

I made a purchase with BestBuy in the amount of {$860.00} on XX/XX/year>. My item was to be delivered on XX/XX/year> via XXXX. My item was delivered to the incorrect address and a delivery photo was provided via XXXX XXXX XXXX XXXX showing that it was delivered to the incorrect address. In the delivery photo the residence and front door is not that of my home, and in the delivery photo there is no address and or Unit number shown. I contacted XXXX on XX/XX/year> and was advised to contact BestBuy regarding my issue. I reached out to BestBuy customer service via the chat feature on BestBuy.com and spoke with a customer service representative named XXXX XXXX. I explained the issue to XXXX XXXX and also provided a photo. XXXX XXXX then advised me that I would be issued a refund and would receive a conformation email with XXXX Hours. I received an email from BestBuy on XX/XX/year>, instead stating that there would be no refund issued to me. I then disputed the charge with BestBuy/Citi Bank in which I was told a letter with a resolution would be sent out to me within XXXX  days of the day I submitted the dispute. I never received a letter and called BestBuy Customer service on XX/XX/year>, in which I was informed that my dispute was closed and that I would not be issued a refund. I was informed by the representative that the resolution was not in my favor and that the item was delivered to the correct address.
Consumer complaint received 2024-02-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

Chase bank XXXX XXXX XXXX XXXX XXXX Closed one of my account without my knowledge Talked to the bank representatives they said my account was closed by the company and did not give reason why? 
They took my {$500.00} balance They closed my account on XX/XX/2024 They said they wrote a check to me Until now I have not receive it This is un acceptable for a bank to act like this. 
You guys should hold this bank accountable for there action!!! 
No one informed me why they closed my account! Where is money???
Consumer complaint received 2022-11-14
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. (MN)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint AGAIN to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX Balance Owed : {$2000.00} ; XXXX  XXXX Balance Owed : {$7300.00} ; XXXX  XXXX Balance Owed : {$3000.00} ; XXXX  XXXX Balance Owed : {$1700.00} ; XXXX  XXXX Balance Owed XXXX {$3400.00} ; XXXX  XXXX XXXX Balance Owed : {$1100.00} ; XXXX  XXXX XXXX Balance Owed : {$210.00}.
Consumer complaint received 2024-02-09
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings (CO)

A collector on behalf of The XXXX XXXX  contacted me an entire calendar year after I moved out claiming I owe them a debt plus interest. I asked for an itemized invoice and all they provided was a copy of my old lease. They never returned my security deposit and they failed to inform me of this alleged debt or return my deposit within the legal timeframe ( XXXX days ), despite the fact that I gave them all my forwarding and contact information when I left. I paid all my rent and left no problems in the apartment when I moved away. The conditions there were unsanitary and unlivable which is why I left. I don't believe this debt to be real but I'm not sure what to say considering they continually fail to show me what it is even for.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

I am the author of this complaint and I have attached my ID and SSC to verify my identity. I have also attached a case study ( XXXX XXXX XXXX XXXX XXXX ) to further back my standing Dear Consumer Financial Protection Bureau, I am writing to submit a formal complaint against XXXX and XXXX for violations of the Fair Credit Reporting Act ( FCRA ) in connection with inaccurate information on my credit reports. I believe these inaccuracies are negatively affecting my creditworthiness and financial standing. 

The inaccurate information pertains to the following accounts : 1. XXXX XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX. XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  XXXX XXXX ) XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX. XXXXXXXX XXXX XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX. XXXX XXXX XXXX I have already submitted dispute letters to both XXXX, Equifax and XXXX, detailing the inaccuracies and requesting a correction. However, to date, I have not received a satisfactory resolution. I am seeking the intervention of the Consumer Financial Protection Bureau to address these violations. 

I believe the credit reporting agencies have violated the FCRA by reporting inaccurate information and failing to conduct a reasonable investigation. This has caused significant harm to my credit standing, affecting my ability to secure favorable terms on credit and loans. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that XXXX and XXXX comply with the FCRA. I am also requesting that you provide me with updates on the progress of your investigation. 

Enclosed with this letter are copies of the dispute letters sent to XXXX and XXXX, along with any supporting documentation. I appreciate your prompt attention to this matter and thank you for your assistance.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CT)

I had my loans transferred from XXXX to XXXX in XXXX of XXXX. My credit reports still indicate that the accounts are still open, though it has not been updated since the transfer. I contacted XXXX XXXX to determine the root cause and if the error could be fixed. XXXX indicated that the transfer was done correctly on their end, and for me to contact XXXX to fix the problem. 
I contacted XXXX XXXX and described the issue and what XXXX informed me and instructed me to do, and XXXX indicated that the acceptance of the loan transfer was executed correctly on XXXX 's end, and XXXX suggested that XXXX erroneously left the accounts open. 
The consequence is that it looks like I have 14 open accounts when I have 7 open accounts, with half the amount due. 
The impact of this artificially inflates the total debts I owe to the credit bureaus, and that any entity that obtains my credit report denies applications because of the faulty information that has not been resolved.
Consumer complaint received 2024-01-18
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. (FL)

I reviewed my consumer reports and noticed that I had late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshots inside this complaint in on dates of XXXX XXXX XXXX XXXX XXXX  Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshots attached :
Consumer complaint received 2024-04-05
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: Experian Information Solutions Inc. (TX)

I am writing to demand immediate action regarding numerous violations of the Fair Credit Reporting Act ( FCRA ) evident on my credit report. Your bureau 's failure to adhere to FCRA regulations is unacceptable and requires immediate rectification. 

The FCRA mandates accurate and fair credit reporting, yet my credit report contains multiple inaccuracies that are damaging my financial standing. I demand that your bureau promptly investigates and corrects these violations to comply with federal law. 

Failure to address these violations promptly will result in legal action. I expect swift action to rectify these errors and uphold the standards outlined in the FCRA.