davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NJ)

Someone ordered the debit card without my permission and the card mailed out to the following address : XXXX XXXX XXXX, XXXX XXXX, XXXX NY XXXX. 
Then an Unauthorized withdraw of cash {$9000.00} on checking account was occurred on XX/XX/2023 @ XXXX at chase bank located XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX. The debit card never activated! 
With this BIG Amount of cash withdraw, chase bank didn't check the ID, only PIN Authorized.
Consumer complaint received 2023-12-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO. (LA)

I disputed a {$2000.00} XXXX transaction that was made after my cell phone was stolen and account with Chase heavily compromised. Several other purchases made with the stolen device were reimbursed, but this one was not. The stated reason was that the device used to recover my account was the same device that had been used before the compromise. That was simply not the case. I had used a device kept for a back up, which had previously been used to access my account, but was most certainly not the device from which the fraudulent payment was sent. Upon receiving the denial of claim letter, I called the customer claim department, was told the reason for the denial, and that nothing more could be done. This struck me as an egregious injustice, and a huge flaw in Chases handling of this issue.
Consumer complaint received 2023-05-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

My mortgage servicer, Select Portfolio Servicing, INC ( SPS ), refuses to comply with the regulations included with the CARES Act on a " XXXX XXXX '' COVID-19 mortgage ( forbearance/deferral ), and added {$1000.00} to the next 12 monthly mortgage payments after an performing an escrow analysis. 
The declined my request, even after asking me to provide documentation indicating they should spread the escrow shortage repayment over a longer period of time, and receiving a copy of the servicing guide clearly stating : " the service must : Spread the repayment of the Escrow shortage amount in equal monthly repayments over a period of 60 months '' Below is the entire paragraph for reference. 
https : XXXX With respect to Escrow shortages, if the Borrower is unable to pay the Escrow shortage as a lump sum, then the Borrower must pay the shortage as part of the monthly payment ( Projected Monthly Escrow Shortage Payments ) on the modified Mortgage. If the Borrower must pay Projected Monthly Escrow Shortage Payments, then the Servicer must : Spread the repayment of the Escrow shortage amount in equal monthly payments over a period of 60 months, unless the Borrower chooses to pay off the shortage as a lump sum or over a shorter period of time, not to be less than 12 months Take into account any remaining unpaid amount of the Escrow shortage in any subsequent Escrow analysis to ensure that the Borrower is able to continue to pay all Escrow shortage amounts over the remaining portion of either the current remaining Escrow shortage repayment period or a period up to 60 months. The Servicer may not accelerate or compress the remaining Escrow shortage amount into a new Escrow payment or shorter repayment period as a result of a future Escrow analysis.
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: JPMORGAN CHASE & CO. (WI)

On XX/XX/2023 I checked my credit score and was suprized to see that it dropped XXXX points. after i check out why I found out that someone applied for a credit card in my name through JPMCB Phone number XXXX XXXX XXXX XXXX, XXXX XXXX requested a copy of the application. The rep. informed me that I would get it in the mail in 2 weeks. After waiting 2 and a half weeks no application. I did call again and was told that it would take 90 days to get it mailed to me. I don't know what to do to get my credit score points back. In another week 90 days will be up and I don't expect to get a copy. No one is investagating it. XXXX points means a lot to me.
Consumer complaint received 2024-04-08
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: EQUIFAX, INC. (NE)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-12-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (MS)

Commencing on or about XXXX XXXX XXXX, I fell victim to two multi-layered scam operations run by XXXX XXXX XXXX and XXXX XXXX XXXX which involved me making deposits for a total amount of XXXX XXXX  from my JP Morgan Chase account to fraudulent investment firm ( s ).
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: CBC Companies, Inc. (PA)

I sent a letter asking XXXX, to reinvestigate my accounts. Here is my tracking # XXXX. It has been over thirty days without a reply. I'm trying to buy a house for my family and XXXX hasn't sent me anything. They also haven't modified the accounts to ensure everything is 100 % accurate, nor have they updated the current status of the disputed information, which is another violation. This is causing me stress. I feel helpless because the credit bureaus are not doing their job. According to 15 USC 168, XXXX, XXXX, and XXXX have thirty days to investigate and send me results. I have all the evidence attached below.
Consumer complaint received 2023-12-15
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: Experian Information Solutions Inc. (TX)

Delete hard inquiries, XXXX  XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-05-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BMO Bank, N.A. (CA)

On XX/XX/XXXX, I paid {$85.00} via XXXX for a product/service to be delivered by XX/XX/XXXX. On XX/XX/XXXX, I received a message from the vendor stating she was not able to provide the product/service anymore. I requested a refund and the vendor agreed to send me the refund on XX/XX/XXXX. After not receiving the refund I reached back out on XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, and on XX/XX/XXXX the vendor blocked me on social media. 
On XX/XX/XXXX, I reached out to Bank of the West to file a fraud claim. One week later the bank denied the claim. On XX/XX/XXXX, I reached back out to the bank to dispute the findings and they agreed to look at my claim again. I had not heard back regarding my second attempt at a refund so I called the bank back on XX/XX/XXXX. At this point, the bank let me know my claim was once again rejected and I could no longer take further action. I have been defrauded by the vendor and the bank refuses to protect me by refunding me.
Consumer complaint received 2023-05-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2024-04-12
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. (CA)

I want to emphasize unequivocally that I did not give written authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am formally requesting that these inquiries be blocked and expunged from my record. It is crucial to highlight that this request is not made in error, nor is it grounded in any misrepresentation of relevant facts concerning the request to block these transactions. 

This assertion is important because it underscores the fact that these transactions were included without my explicit consent or instruction. By emphasizing this point, I aim to convey the seriousness of my request and ensure that it is not overlooked or dismissed. Additionally, I want to clarify that my request is based on accurate and relevant information, and I am not attempting to manipulate or deceive in any way.
Consumer complaint received 2023-12-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Onity Group Inc. (MS)

On XX/XX/, I reached out to PHH mortgage about not having the ability to pay my account. The representative had told me that due to the account being four months past due all current and past due payments must be paid at that time. I reminded the representative that I was waiting on a response for my request for mortgage assistance. The representative explained the case had been closed due to the lack of documentation needed to continue processing. I continued to explain to the representative that I have uploaded every piece of documentation that I was told to do even after I had talked to, yet again another relationship specialist. I had uploaded everything to the portal in which I was told to load everything. I was on the phone with the relationship specialist as I uploaded the last of the required documentation. The representative proceeded to ask if I would like an additional appointment with my, yet again a different, relationship manager on XX/XX/XXXX  to discuss my options. 

At this point, the fees are being doubled and tripled because I am at the mercy of a relationship specialist I cant talk to for at least a month. Had I was able to get an earlier appointment with my relationship specialist, I would have not been in foreclosure and would have the information I needed to bring my account current. 

To keep from dealing with this company, I have decided to go into more debt and borrow the money to bring the account current. Therefore, I called PHH today to make sure how much money I needed to bring the account current. The representative explained because my loan is in foreclosure, I could not make a payment at this time. They would have to do an audit of the account and will let me know within 4-10 business days. By then, I may not be able to save my home.
Consumer complaint received 2023-12-15
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: NAVY FEDERAL CREDIT UNION (SC)

I applied for a mortgage loan through Navy Federal Credit Union the earlier part of this year and was denied. I had just paid off several of my debit and my credit scores were high. I did not pursue more information on the denial I've also been a member with NFCU for well over 6 years. I've had a personal and a car loan through them which I've never missed a payment. I have no clue why I was denied I had quite a bit in savings which they saw.
Consumer complaint received 2023-05-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Please see the attached FTC Report and XXXX data breach claim and remove the account XXXX XXXX  XXXX from my credit report immediately.
Consumer complaint received 2023-07-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO. (SC)

An application was completed through Chase Bank for Chase Total Checking account on XX/XX/23. Then it was approved and open/ready setup on XX/XX/23. Finally XX/XX/23 it was activated from a phone. I spoke with Chase rep and verified an account open in my name without my permission ( fraud ). File police report on XX/XX/23 and Police investigator follow-up on XXXX, stating case is open and will follow-up on result. 

3 months ago XXXX XXXX XXXXXXXX, same thing happen, ended up submitted Fraud via phone and had to verify my identity, still no result yet.
Consumer complaint received 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with 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  : XXXX, XXXX : XXXX, has 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 a 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 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 information is inaccurate.
Consumer complaint received 2023-05-09
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BARCLAYS BANK DELAWARE (AR)

My complaint concerns Barclays Bank Delaware. I opened my online savings account at Barclays Bank in XXXX, and in the eight years since, I never had any problems with this account until last week. Barclays allows customers to link up to three external accounts for fund transfers. I already had two linked external accounts, and decided to add a third account which is an established savings account I have had at XXXX XXXX XXXX  since XXXX. On XX/XX/XXXX I entered the required account and routing number to set up the third account on Barclays website, and shortly after received an email from Barclays stating that two small trial deposits would be sent to the XXXX  XXXX account within 2-3 business days ; I would then need to log back into my Barclays account to verify the trial deposit amounts to finish linking the account. It should be noted at this point that I was not attempting to transfer any funds, I only wanted to add this account for possible future transfers. On the evening of Monday, XX/XX/XXXX I received another email from Barclays stating that my account access had been suspended. No reason for the suspension was given, but the email requested that I call Barclays Customer Care " so we can review recent activity on your account and restore your access. '' I called Customer Care on the morning of Tuesday, XX/XX/XXXX and was told my account had been suspended because they needed me to email them a bank statement from the XXXX  XXXX account that I had recently tried to link. I was given an email address to send the statement to, which I immediately sent. I was told it would probably take " around three business days '' for my online access to be restored after they received the copy of the bank statement. Interestingly, the two trial deposits were made to the XXXX XXXX account on XX/XX/XXXX, but since I had already been completely locked out of my Barclays account the day before, I had no way to verify them. More than one week has passed since my account was suspended, and I am still completely locked out of my Barclays account. I have sent Barclays copies of the XXXX XXXX bank statement twice in the past week, and so far they have not responded in any way. Any assistance you can provide to recover my savings and restore my account access will be greatly appreciated. Please feel free contact me if you have any questions or need additional information to resolve this nightmare.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-02-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MD)

PHH Mortgage company has not paid my taxes for XXXX. I have been calling them since XX/XX/XXXX, XX/XX/XXXX XXXX XXXX, XXXX, I have also sent mutiple emails. But they still havent paid my taxes on my home for XXXX  and I am incurring late fees. They have know problems collecting my escrow money. 
They said they tried to call XXXX XXXX XXXX for amount. This is a lie I can view the amount on XXXX website for XXXX and XX/XX/2022.
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Checkr, Inc (MI)

My background check results were submitted to my employer with a consideration alert for a false criminal allegation of larceny that was dismissed without charge because it never happened. Why is this information being used against me and why was it flagged for consideration. My employment is on the line.
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAVALRY INVESTMENTS, LLC (IL)

Today, I am writing this complaint to CAVALRY PORTFOLIO SERV regarding the incorrect information on my account. I sent them a letter requesting for investigation of those accounts mentioned, they took more than 30 days to complete and they stated that they had completed the investigation. However, when I pull my recent report I don't see any changes made at all. They claimed that they verified the information but how come that it is verified when the date of last activity, date opened, date of last report. 
payment history and status are inaccurate? This is not right. I understand my rights under 15 U.S.C 1681 section 602 A which states that I have the right to privacy and 15 U.S.C 1681 section 604 A Section 2, which also states a consumer reporting agency can not furnish an account without my written instructions.