davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (GA)

I have called CHASE Bank twice to inquire about my current bank accounts and each time that I call the call is routed to the credit card department. They said that a credit card was opened in my name on XX/XX/XXXX, with a credit limit of {$750.00}, and was closed as a charge-off account on XX/XX/XXXX. On XX/XX/XXXX, I was stationed in XXXX as an XXXX XXXX  and had no idea that someone opened up a credit card in my name until now the year XXXX. This account has never reflected on my credit report so I had no idea, I have never received any letters for this credit card. The address of this credit card was in NY. Apparently, someone reported it as a fraud in XXXX. The account number is attached to the document provided. Chase Bank has been failing to do its job in informing me that this has occurred in my name for years. Even though I had existing bank accounts with them in the past they still did not inform me that there was a credit card opened up in my name and that it was a charge-off account. I am finding out 8 years after the fact. The first time I found out from the representative they told me not to worry about it because it was reported as fraud. Two weeks after that I called back to check on my bank accounts and the call route me back to the credit card department that card is still reflected under my social security number which tells me that the investigation never was closed out. This is an internal problem in the bank and it has caused me to not be able to apply for any credit cards from chase because they had this hidden charge off a credit card that was opened fraudulently in my name. I have been trying to apply for credit cards and have been able to get credit from this bank because of this in their system. They have a responsibility to protect consumers ' information and they fail to do so for years. Right now I have a business account with them and I like to apply for business credit but I am not able to be granted any type of credit with them because of this credit card issue that I am not aware of. This is causing a setback in my business because I have not been able to obtain credit from them which is unfair because of their own negligence. They told me on the XXXX XX/XX/XXXX that they are going to have to start the investigation all over again and send over a message to that department. They need to do their job.
Consumer complaint received 2023-01-10
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-06-21
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. (GA)

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. 

Account Name : XXXX XXXXXXXX Account Number:XXXX Account Name : XXXX XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX  XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-05-19
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. (MD)

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 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  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 2024-04-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (IL)

I'm writing with a complaint about what I believe to be a predatory practice. As seen in the screenshot included, Chase is pressuring customers into setting up payment plans. There's no " x '' in the top right corner to remove the pop up. The first few times I saw this, despite never wanting to set up a payment plan, I thought you had to click " get started '' to get out of it. Instead, the button to skip for now is hidden underneath, and customers have to know to scroll down to find that option. This notification is predatory and attempts to force the customer 's hand, and has popped up repeatedly for me.
Consumer complaint received 2024-02-27
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. (FL)

I am requesting that several fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-01
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. (TN)

I sent a letter on XX/XX/2022 to XXXX. Here is the tracking number XXXX. However the credit bureau said they completed the investigation and everything was 100 % accurate. 

According to the law 15 U.S. Code 1681a- Definitions ; rules of construction. 

The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of informations. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to? 
How did they complete this investigation?
Consumer complaint received 2024-04-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (CA)

Hello my name is XXXX XXXX and I used to bank with Wells Fargo from about XXXX until XXXX when they decided to close my account. Last year with them I noticed several fraudulent transactions on my Wells Fargo checking account that I disputed with them. I believe it totaled {$12000.00} if I am not mistaken and the Wells Fargo claim number was XXXX. I do not know why they chose this case against me as they never explained and then after all this they decided to close my account and also overdraft it. I was not going to put any money back into this account as I did not trust Wells Fargo anymore. They do a lot of shady business as you can google it and look at their shady practices. But also they put me out over {$12000.00}. I fell into a deep XXXX over this and here we are almost one year later finally getting over this after a lot of professional help and now able to revisit this case. Bottom line I WANT MY MONEY BACK. I busted my tail end for that money just for it not to be protected or wiped from my account and my old bank not even willing or wanting to do anything about it. Plain and simple.. they just dont care. It takes me a couple months of busting my behind to earn that money. And all Wells Fargo did was turn their shoulder to my claim. I want my case to be looked at by someone who knows what they are doing in that company and someone who values a human and his hard work. What happened to being FDIC insured. Im going to fight for this money if I have to. You guys can reach me at XXXX or at XXXX. I want my XXXX money back. I will not let big corporate bully me anymore. Its been almost one year of battling my inner demons because of this but I can finally stick up for myself once again. I will not let you guys bully me. DO YOUR DUE DILIGENCE AND PUT IN WORK INTO MY CASE WELLS FARGO
Consumer complaint received 2023-10-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO. (CA)

I rented a vehicle from XXXX XXXX XXXX for XXXX days ( XXXX ), agreeing to {$280.00} as per the signed agreement at checkout ( attached below ). After returning the car, I was emailed a receipt showing the amount for the rental car as {$5400.00} with the only cited reason for the charge increase being Vehicle Upgrades. I never authorized or requested a vehicle upgrade. My signature was only provided for the {$280.00} charge and I would not have accepted a different value. Neither company will take responsibility for this fraudulent and completely erroneous charge, and both are making it extremely difficult and slow to resolve this issue. 

First, I contacted XXXX on Monday XX/XX/XXXX and spoke with customer service ; during this conversation they said this charge was erroneous and that they would send an updated bill to Chase. This was never acted upon ( but I can provide records showing the call did occur ). 

I have filed a dispute with Chase when the charge was posted in XX/XX/XXXX to my credit card, and Chase took over XXXX months to investigate the disputed charge ultimately claiming that the charge was valid and I have to pay the full {$5400.00} amount. Chase required that I call and provide information about the charge when the dispute was first filed, ultimately starting the dispute investigation on XX/XX/XXXX. They called on XX/XX/XXXX asking for nearly identical information about the rental car service and what I was disputing. Finally the responded with the claim decision on XX/XX/XXXX. 

I have now reached out again to XXXX through a direct email to the CEO of XXXX and other executives requesting this charge be fixed. Additionally, I've filed a complaint with customer relations in XXXX for fixing this charge. 

I am currently in the process of reaching back out to Chase to understand why they think such an extreme, unauthorized, fraudulent charge is valid. Additionally, I will be recontacting XXXXXXXX XXXX customer service agents by phone to see if they can resolve their errors. 

I've attached below the following : 1 ) the initial statement from the third party service ( XXXX ) I used to book the rental car showing an expected price of {$280.00}. 
2 ) the receipt printed by the rental car company after I signed and picked up the vehicle on XX/XX/XXXX. This was the only authorized and signed for charge for this rental car service and its price is {$280.00}. 
3 ) the receipt that was emailed to me by XXXX car rentals hours later after returning the rental car showing the incorrect and fraudulent line items for the increased charge 4 ) Chase 's notice letters ( 3 total ) corresponding with the interactions we had over phone and the final notice indicating no reason as to why they found this charge non-fraudulent and no evidence that they did any investigation.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (OH)

Letter of validation and request of 1099c was sent to company due to reporting of charge off. there was no 1099c sent to me nor did i give consent to furnish any data on my consumer report. it is illegal to report debt that suppose to be earned income to a consumer report.
Consumer complaint received 2023-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (MD)

A year or more ago, someone tried using my identify. They were unsuccessful. As a result, Experian, XXXX, and XXXX placed a security block on my information. XXXX and XXXX have lifted the security block ; however, I continue to have problems with Experian and I have not been able to get any help to resolve the issue. Creditors are unable to check and verify my credit score or history. As you will see, I tried in XX/XX/XXXX and most recently, on XX/XX/XXXX and XX/XX/XXXX and again today ( XX/XX/XXXX ). I am closing on a home on XX/XX/XXXX and need your help. The mortgage company continues to be unable to access my information. The Experian representatives keep sending me instructions on how to unfreeze my report even though I have told them that it isn't the issue. I have tried to call their National Consumer Assistance Center as instructed in XXXX ; however, there is no way to talk to a real person and the AI system provides the same information as the representatives did which is instructions on how to unfreeze your report.
Consumer complaint received 2023-06-21
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. (GA)

In accordance with 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 15 U.S.C 1681 section 602 A. States I have 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 2023-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My XXXX XXXX closed credit account shows incorrect information listed. This ACCOUNT has FRAUDULANT charges on the account. I already spoke with CUSTOMER SERVICE and filed a DISPUTE regarding this matter. please can you help me REMOVE this account from my CREDIT REPORTS Thanks, XXXX  XXXX | Credit Card
Consumer complaint received 2022-09-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc (MO)

Chime is holding my tax refund without proper reason doing so. Ive sent everything they asked me and even when I did that they asked me to send them something only they could see after putting my account on hold. Its been way to long for them to try and do so and Ive been with them since the company opened. Chime is taking advantage of their customers and needs to be stopped. They asked me about a XXXX XXXX product and Ive gave them everything about XXXX.
Consumer complaint received 2023-10-17
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (MI)

Someone tried to open a Chase credit card using my name and email. Assuming they have my social security number and Chase sends me to dispute with XXXX or make an account with them which i do not want to do or have in general
Consumer complaint received 2023-10-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (IN)

Coinbase closed my account without explanation, resulting in XXXX XXXX ( {$1900.00} USD ) as of XX/XX/2023 being trapped in my account, unable to be accessed. 

I have tried to contact and get support for this issue multiple times in the past 3 months, to no avail, support representatives we unhelpful and were not able to resolve the issue.
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FC HoldCo LLC (MD)

I have had Flagship Credit Acceptance since XXXX, I have a lot of inaccuracies on the accounts due to late charges that they have placed onto the account they have had me to pay those amounts many time and my credit report never reflects what happened in the corporate office on their end, I got XXXX  in XX/XX/XXXX, I was XXXX XXXX  and I XXXX on the table XXXX time and I had to have my XXXX XXXX I was XXXX, I was in a XXXXXXXX XXXXXXXX XXXX  but my car note was still being paid, they told my daughter they were only moving those couple payments to the back of my loan so the late fees wouldnt be deducted from the payment and they put be in another loan for 5 years so I am stuck with a vehicle I cant even trade in even back into them or refinance they have violated all the law of my consumer rights. This creditor has placed inaccuracies on my credit reports on all bureaus, and that is a violation of my frca consumer rights 15 U.S.C CODE S 1681 AND 15 U.S.C S1681s-2 and 15 U.S.C S 1681a.I needs to be removed
Consumer complaint received 2023-01-10
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: EQUIFAX, INC. (TX)

Equifax has claimed to have " verified '' the items I have previously disputed to be accurate and complete. 

However, when I pulled a new copy of my credit report, I noticed that the accounts and inquiries that I disputed are still there even though they are inaccurate and incomplete according to XXXX XXXX XXXX XXXX standards. I have attached letters with two forms of ID showing how exactly these accounts and inquiries i'm disputing does not meet XXXX XXXX standards. 

I can tell that a proper investigation has not been conducted by Equifax. As a result of this, it has caused me to experience credit and loan denials caused by the willful and negligent actions of this company. 

From my understanding, by not conducting a proper investigation, verifying inaccurate and incomplete information to be true, and causing me to suffer credit denials and financial harm due to willful negligence, this meets the requirements for a FCRA claim. I FULLY INTEND to either pursue litigation in civil court or file an arbitration claim with the XXXX XXXX XXXX if these errors are not corrected.
Consumer complaint received 2023-10-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

I did some work for a long-time client and they wrote me a check for {$7000.00}. I had this check deposited for me to my Chase account as I am out of the country. 

Chase has been holding this check for longer than the legal limit. The check was deposited on XX/XX/23 and cleared shortly thereafter. 

Initially, they gave no reason for not releasing the funds and claimed that their deposit agreement superseded federal law and that they can hold my check for up to XXXX business days. 

Now that we are reaching the XXXX business days, they are making vague claims that they suspect fraud, which is absurd. When I try to get concrete answers about why they think this is fraud, I get nowhere. 

I have held this Chase account since I was XXXX years old and though I do not use it often, I do use it every now and then to deposit checks sent to my parents ' house, as they have a Chase branch XXXX minutes away. 

I have had checks of larger amounts deposited to this account without a problem. It seems like a convenient excuse for Chase to claim that they are trying to protect me from a threat that they can't give any information on, while they hold my cash for their own gain- especially after the check cleared on XX/XX/23.