davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-01
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

I believe I have been the target of fraud. On XX/XX/XXXX, I noticed a pending account transfer of {$7.00} from XX/XX/XXXX XXXX XXXX to my Chase checking account. At XXXX XXXX  ( on XX/XX/XXXX ), I called Chase Customer Service ( XXXX ) to alert them of the suspicious transfer because I have never conducted business with XXXX. Specifically, I have never made a purchase from XXXX, I do not have an account with XXXX, and I have not shared any of my Chase account information with " XXXX. '' ( However, when I was the victim of online debit card fraud on XX/XX/XXXX, someone made a purchase of {$200.00} from XXXX XXXX XXXX. This money was refunded to my checking account by " XXXX '' because I submitted a fraud claim with Chase. ) The Chase representative recommended that I contact XXXX directly to inquire about the transfer, and she did not classify the transfer as possible fraud. I was dissatisfied with this outcome and uncomfortable with her recommendation about contacting XXXX directly because again, I have never conducted business with XXXX. Therefore, I called Chase Customer Service again the next day ( XX/XX/XXXX at XXXX XXXX ) because I was still concerned. This time, the situation was escalated to the Chase fraud department and a case was opened ( claim number : XXXX ). Moreover, the Chase fraud agent recommended that I close my checking account by visiting a Chase branch and leave the {$7.00} in my account so that it could be available to be returned to XXXX. I followed this recommendation. Chase representative, XXXX XXXX, helped me submit a pend close request on my account ( on XX/XX/XXXX ). Currently, my account has {$7.00}. 

On XX/XX/XXXX, I received an online letter from Chase informing me that they found that the transaction ( s ) was processed according to the information you provided or was authorized and that No adjustment will be made to your account at this time. On XX/XX/XXXX ( at XXXX XXXX  ) I was notified via email by Chase about this letter. So, on XX/XX/XXXX, I called the Chase Customer Claims Department ( XXXX ) at XXXX XXXX  ( and again at XXXX XXXX  because the call got disconnected ) to further inquire about the claim outcome and dispute it because I did not authorize the {$7.00} transfer. The Chase representative was unable to help me further with the claim. Therefore, on XX/XX/XXXX at XXXX XXXX, I called the CFPB ( XXXX ) for guidance on my situation. The CFPB representative listed my options of reporting XXXX to the Federal Trade Commission ( FTC ; reportfraud.ftc.gov ) and reporting Chase to the CFPB. I will follow these reporting options. My FTC report # : XXXX.
Consumer complaint received 2017-04-07
Product: Credit card — 
Issue: Transaction issue — 
Company: JPMORGAN CHASE & CO. (GA)

I have filed a credit card dispute regarding a health fitness charging my card after they have closed. I no longer have access to facilities but they are still charging my card manually. The phone number on credit card statement is no longer in service however the bank refuses to stop payment on the transactions and are forcing me to make payments even though the gym is no longer in business. The bank that I am having an issue with is Chase.
Consumer complaint received 2024-06-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Greenberg, Grant & Richards Inc. (FL)

This company is trying to collect a debt owed by someone else. Their own records show the responsible party as " XXXX XXXX '', but they are trying to harass and intimidate me because I purchased some of the assets of XXXX XXXX 's business. I have never entered into a contract with this company and their agent, XXXX XXXX, made repeated threats against me if I did not pay someone elses ' debt.
Consumer complaint received 2022-12-08
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. (SC)

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 2023-06-01
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

The following creditors are falsely reporting information to my credit report. 
XXXX XXXX account opened on XX/XX/XXXX and was then passed to XXXX XXXX services. 

XXXX XXXX is falsely reporting an account that was also opened without my consent or permission. The account Is reporting that it was opened on XX/XX/XXXX. 

Capital One bank is reporting an account that as opened without my consent or permission and is a case of identity theft fraud. The account is reporting that it was opened on XX/XX/XXXX.
Consumer complaint received 2023-06-01
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (OH)

After years of requesting proof of ownership and being ignored, only to receive what I have found to be fraud. My trying to resulve this issue has cost me my small retirement and many sleepless nights and getting the same results for free from HUD services, my total bill was XXXX dollars reduced to XXXX dollars total. I believe that I am the victim of an ongoing crime regarding the foreclosure action on property I own. I was notified that foreclosure had been initiated on my property and believe there is substantial securities fraud as well as other crimes that have occurred or are occurring at this present time. After spending time studying financial matters, the law, and making inquiries of, and discussions with knowledgeable persons regarding the origination of the purported loan on the property ; I have discovered that there has been, what appears to be, a counterfeit copy of the Mortgage Note presented as proof of claim by a certain group of people, including, but not limited to, agents of the mortgage company Shellpoint Mortgage and attorneys working for them. I believe there is a conspiracy to take my property unlawfully through foreclosure using counterfeit securities as evidence of a purported debt and believe there are multiple individuals involved in this crime. I have made demands that the individuals involved provide proof of their claim.These copies are, in fact, counterfeit securities under 18 U.S.C.-474. ( counterfeit security ) as evidence to attempt to defraud me.
Consumer complaint received 2023-06-01
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. (CA)

Three accounts fraudulently opened without my authorization. Filed identify theft report as well as multiple police reports and sent to credit bureaus for removal of fraudulent information not belonging to me. They have either not responded or continued to leave incorrect information on report. Have not provided me proof that anything was investigated or verified to date.
Consumer complaint received 2023-06-01
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: SYNCHRONY FINANCIAL (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Account Name & Numbe # ), has violated several of my rights. 
15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Consumer complaint received 2023-02-17
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. (GA)

I, XXXX XXXX am demanding equifax to block and delete the identified information on my consumer report, i have expressed numerouse times to equifax that they are in violation of my rights to privacy and the inquiries are a result of identity theft ( PLEASE SEE ALL ATTACHMENTS ) XXXXDRIVER LICENSE XXXXIDENTITY THEFT REPORT XXXXREQUEST LETTER
Consumer complaint received 2017-09-19
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. (WI)

Per the Equifax XXXX website, I was involved in the Equifax data breach. My personal information was stolen without my knowledge or consent. I take issue with the fact that this theft occured between XXXX XXXX, yet information about the attack was only made widely available in XXXX. Equifax holds responsibility for this cyber attack by not having proper cyber-security. In addition, unlike most other companies, Equifax in not something that one can easily opt out of. If one has ever requested credit for a mortgage, student loan, etc., then Equifax XXXX as well as the other XXXX credit bureaus ) have all of one 's personal information on record. I would not have chosen to give Equifax any information if I had a chance. 

My identity could be stolen at any time for the rest of my life. Thanks a lot, Equifax. 

I have signed up for Equifax 's free year of credit monitoring. 

PS : since this is a gov't website, can I provide a suggestion? I think it 's time to scrap the whole SSN system and either re-issue a new SSN to everyone in XXXX, or to use a different system for linking financial records to individual people.
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Mailed letters on XX/XX/2024 to dispute inaccuracies on my account and each time I was mailed a stall letter saying they fell someone else as sent my information. This is a direct violation of the FCRA. Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this complaint is a formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not XXXX more. I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Consumer complaint received 2023-06-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NJ)

I was late on my account this month due to being paid later. I tried to log in and could not make a payment. I could not move through the payment process without adding money to either my principle or my escrow. The blue CONTINUE option button would not illuminate until at least XXXX cent ( XXXX ) was added to principle or escrow. Once I was forced to add XXXX cent ( XXXX ) to either option I could navigate to the next option to try and complete payment. Once there the calendar came up and I was not able to select a date to send the amount on. I was unable to select the current day or the next day. I also received and error that " You do not have at least two eligible accounts to transfer money. '' My new account has been linked since at least since XXXX. Payments has been made and taken out of the account. When I tried to complete the process I received " Your transaction could not be completed eat this time. Please try again later. For questions, call XXXX ( called two times ). I called into that number and after my account was brought up it states they were unable to process my call and I needed to speak with a customer service representative. I also called XXXX ( called two times ). Told the same thing. I was able to call XXXX and finally make a payment. While making the payment I did not have the option to not pay late fee, which usually an option when online payments are made. I called in to figure out what was wrong the account and was told that the new account that i had been paying with since at least XXXX was not verified. I spoke to XXXX customer service agents and XXXX technical assistance and had to basically beg for an escalation.
Consumer complaint received 2022-12-08
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. (CT)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
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 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
Consumer complaint received 2023-06-01
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: AMERICAN EXPRESS COMPANY (CA)

Amex had an offer for opening the savings account, depositing {$25000.00}, to receive {$350.00} bonus after keeping money there for 90 days. I opened the account end of XX/XX/XXXX, but could not promptly deposit the {$25000.00} because the number of the account was not generated and the paperwork with the account was not sent to me for a while. I could also not link any external account to Amex savings due to some glitch issues in their system and new account opening being serviced/processed. 

The first day on which I could deposit the {$25000.00} was XX/XX/XXXX. I called Amex when I had a problem with depositing money upon opening the account, and the personal representative said I will still be eligible for the bonus so long as I deposit within 60 days. Unfortunately, no bonus was received by me at any time, and when I called back in XX/XX/XXXX, Amex said I had to deposit money immediately upon opening to get the bonus. This is not what I was told by the personal representative, and this was impossible based on the Amex system generating the new account and not providing options for deposit. 

Thus, I request the {$350.00} bonus per promotion.
Consumer complaint received 2023-06-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (OH)

In XX/XX/XXXX, my home owners insurance agent, erroneously terminated my insurance coverage. 

Shellpoint Mortgage servicing company, then placed my account in escrow and started charging a higher rate of about {$5300.00} instead of my usual {$3600.00} a month. 

I realized this in XX/XX/XXXX and got my homeowners coverage reinstated ( my homeowners insurance agent-XXXX XXXX apologized for the error and got it reinstated ) I have since reached out to Shellpoint Mortgage services many times to reduce my monthly payment back to {$3600.00} a month. This is after I provided proof of homeowners insurance coverage. 

This includes at least 7 to 10 different phone calls in the past 30 days as well as 7 to 10 emails following up. I received an email shellpoint Mortgage services stating that would be a refund in the escrow account, however, after I spoke with the agent today, XX/XX/XXXX, the agent informed me that there was - {$1500.00} in the escrow account. The agent I spoke with today responded that they would not be able to lower my mortgage for at least another 12 months Could you please assist me in getting my refund as well as lowering my monthly mortgage amount back to {$3600.00} a month? 

I believe it is fraudulent and deceptive practice to charge a customer higher than the agreed monthly mortgage payment, despite my efforts to show them that I have adequate homeowners insurance coverage through XXXX XXXX
Consumer complaint received 2017-04-06
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (KS)

I received my XXXX mortgage interest statement from Select Portfolio Servicing. I have a 2 % interest mortgage with an Outstanding mortgage principal as of XX/XX/2016 of {$37000.00}. Box XXXX of the Form XXXX is the Mortgage interest received from payer/borrower and has an amount of {$4200.00}. 
That number is completely incorrect. Even if the reduction of principal is ignored on the {$37000.00}. That amount at 2 % is {$750.00}. 
Would you be so kind as to explain in detail how the {$4200.00} amount was calculated? Why does that amount exceeds my total yearly payments paid of approximately {$3300.00} ( that includes principal, interest, insurance and taxes )? 
Why does SPS make so many mistakes in their record keeping?
Consumer complaint received 2023-06-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (TX)

My credit report shows a debt in collections that I do not owe, never did business with the company nor do I know anything about delinquent debt with the company called XXXX XXXX XXXX. I never applied for credit nor conducted business with this company. The amount reported in collections is {$280.00}. I do not have any accounts in collections. My credit score dropped XXXX points today. The collection company name is Transworld System Inc. I called TSI this morning and the company had nothing on file relating to my social security number. I called XXXX two times and a dispute was submitted awaiting this FTC complaint. Thank you.
Consumer complaint received 2021-10-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION (PA)

Someone opened an account FRAUDULENTLY under my social security through their online system. When I received the first letter informing me of my new account I called right away to have it closed and inquire on how someone can open an account with NO IDENTIFICATION!!! IT was not me to open the account and now they will not close it and they will begin to charge me monthly fees! This company should be investigated for 1. Allowing fraud to happen as clearly they have no mechanism in place to verify identity with online account openings. 2. They have been giving me the run around for 4 months- this started in XXXX 3. They will NOT properly close the accounts even though they are NOT mine
Consumer complaint received 2024-04-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (FL)

Good afternoon, this month I saw that I had a debit on my Experian of XXXX dollars that was opened on XX/XX/2023, it is saying in the credit report that it is from XXXX, but I am not aware of this account, it damaged my score, I do not know where this account came from, because I have XXXX XXXX XXXX  and I have never had a XXXX, especially having opened this account in XX/XX/2023, I want them to prove that I opened this account on XX/XX/2023. Absurd what happened to me!! This company jefferson capital systems I don't know and I don't recognize this debt, I never made an account in XX/XX/2023, I want them to prove that I opened an account in XX/XX/2023.
Consumer complaint received 2023-06-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC (NC)

On XX/XX/ I received a letter from XXXX. XXXX XXXX stating they were a debt collector and trying to contact me to collect a debt owed to XXXX XXXX  in the amount of {$1100.00}. XXXX XXXX XXXX XXXX. XXXX | Account XXXX. XXXX I called the number and they stated the name on the account was a person named XXXX XXXX. They had completely wrong information and I'm not sure how they had me on the debt collection. T he name and address of the original creditor is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX. This issue was resolved by CFPB. 

On XXXX XXXX XXXX Sunrise Credit Service sent a credit collection to my credit report for the same XXXX XXXX debt. Account Number # XXXX. 

I am willing to prosecute.