davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (NJ)

Hello I received the offer attached below ( glad I printed it out as reference ) from Chase online. I have a XXXX XXXXXXXX XXXX credit card and the attached offer was pushed to me during an online session. As indicated in the offer, I read through all the requirements and dutifully completed all items for receipt of {$600.00} account opening bonus - opened both checking and savings accounts at the same time ( XX/XX/2020, approximately XXXX XXXX XXXX, funded savings account with {$15000.00} within 20 days of account opening and also established direct deposits to checking account totaling over {$500.00} per month. I even further enabled auto-sweep from checking to savings account. 

The {$300.00} bonus for the checking account is now long overdue. I have contacted Chase repeatedly via Secure Message in my account and also on the phone ( see below ) as requested in the latest secure message response I received earlier today. Their latest response was to my earlier message in the day following up on the lack of a response from their " Research Team '' that was promised within five business days ( and had passed that time frame ). Their response is there is no code on my account that would entitle me to the bonus and asked me what code I used when I opened the accounts. I indicated there was no code displayed to me at signup ( would have also printed that out ) and per the attachment, " Coupon code applied when you click " Open an account '' - which is what I did. It would appear that the coupon code that should have been applied by the Chase system was not. If so, that is a problem for Chase to resolve in their account opening promotion they pushed to me. 

The bonus for the Savings account of {$200.00} would be pending, but per above not coded to my account and similarly the additional {$100.00} for opening both accounts at the same time. 

In today 's call speaking with rep XXXX XXXX, he hung up on me prematurely at the point when I was requesting to speak with a supervisor and he advised 30 days for a call back. I indicated that was not appropriate and I wanted it recorded as a request for an urgent callback. At that point, he indicated it would be 15 days. I reiterated my position of the urgency of the callback, at which point he hung up on me. 

Note that none of the exclusions of the offer apply to me - I did not have existing Chase Checking or Savings accounts. 

Regards
Consumer complaint received 2020-12-01
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorize on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.
Consumer complaint received 2021-05-20
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. (NC)

On XX/XX/XXXX I submitted info to each credit Bureau asking them to validate Bankruptcies thats on my credit report. They did not Validate information requested to be validated.. On XX/XX/XXXX resubmitted same info to be validated in regards to Bankruptcies reporting on my credit report. I contaced my lawyer. He provided a letter stating that my ex wife is making taking care of Chapter XXXX and that the court neither the Bankruptcy courts reports anything to credit Bureaus. I contacted the court on XX/XX/XXXX and was advised that they do not report to Credit Bureaus. I am requesting all Bankruptcies being report to each Bureau Transunion, XXXX  and XXXX  to be deleted immediately. I did not give a third party consent to release any Bankruptcies information to any bureaus.
Consumer complaint received 2020-12-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I believe Bank of America misappropriated over {$4000.00} when I refinanced and can not account for that money. In XX/XX/XXXX my wife and I refinanced our existing mortgage with BoA. We were previously BoA customers as well. As part of the refinance we were provided with a Closing Disclosure. That disclosure outlined the various costs associated with closing our new loan. Among those costs were " prepaids '' that included property taxes ( {$4600.00} ). This prepaid amount for property taxes was intended to cover our Q3 tax payment to our township and were separate from property taxes intended for escrow. We paid {$3000.00} towards our escrow account for property taxes. After closing on our new loan, we received a notice from our township in XXXX that we were delinquent in paying our Q3 taxes. This was concerning given our closing disclosure clearly stated that part of our closing costs were prepaids intended to cover this tax payment. After getting in touch with BoA via their main number, we were able to have the tax payment processed on XX/XX/XXXX but in order to process the tax payment, BoA proceed an escrow advance of {$2100.00}. Again this was concerning given the prepaid property tax payment was intended to cover our Q3 tax payment and it was not supposed to come out of our escrow account. Since that escrow advance and tax payment in XXXX, I have been trying to get in touch with someone at BoA to explain why we were assessed an escrow advance and where our prepaid tax payment of {$4600.00} went. I have opened numerous cases with BoA, have called our closing processing officer ( XXXX XXXX ), her boss ( XXXX XXXX ), his boss ( XXXX ) and left numerous voicemails without a call back. I have also called the escrow department several times and recently was able to connect with a manager ( XXXX XXXX ). Ms. XXXX notified me that she would look into the issue after discussing this issue with me for over an hour and gave me her direct line to follow up. Since that call, I have attempted to contact Ms. XXXX over a dozen times and have left numerous voicemails and have not received a call back. I strongly believe that BoA misappropriated our Q3 prepaid tax payment and can not account for its whereabouts.
Consumer complaint received 2022-08-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (MD)

In reference to XXXX ID : XXXX. 

I in fact am not responsible for the charge below : Date : XX/XX/2022 Amount : {$600.00} Description : XXXX XXXX XXXX XXXX XXXX The merchant stated that I submitted payment using IP XXXX per Exhibit A. 

However, I did leave my pouch/wallet which contained both my cell phone device and wallet at a park while exercising earlier that same day on XXXX XXXX. I was able to retrieve my phone approximately 45 minutes later from one of the park workers. This transaction takes place the very same day. My phone and debit card were compromised. 

Per Exhibit C shows my actual IP address which does not match the one provided in the merchants response. 

XXXX XXXX states I have one transaction with recipient XXXX XXXX. When looking at my transactions for XXXX XXXX historically I have a repeated history with a select few XXXX XXXX recipients with transactions {$200.00} or below. This {$600.00} transaction with a recipient I have no clue who this is, is not my normal transactional pattern. Nor am I able to contact the recipient as XXXX XXXX stated in Exhibit A because this recipient is not a peer and I have been unsuccessful with getting any response. XXXX XXXX needs to do their due diligence and hold the recipient XXXX XXXX responsible and stop dispute with myself and my bank. 


Exhibit D shows that I provided the information requested from Citi Bank to which I responded : Neither I, nor anyone authorized by me, made this charge or received any benefit. 

Hence, as the card holder I have provided all requested information from CitiBank and have fully cooperated in this matter.
Consumer complaint received 2021-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

I legally changed my name in XX/XX/2020 and reported the change to the Social Security Administration. I have also changed my name with my bank but have experienced numerous difficulties in changing my name with financial institutions, in part due to Experian 's refusal to update my credit file with my legal name. 

Most recently, I sent Experian a letter requesting that my file be updated and including copies of my driver 's license, insurance statements, Social Security card, and the court order of my name change. I received a form letter denial claiming that I had not sent them all the required information when I had, in fact, sent them everything listed in the letter. 

Experian 's behavior is grossly irresponsible and is directly causing me financial hardship, as I now appear to have no credit history and can not get approval for anything.
Consumer complaint received 2017-09-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Business Corporation (CA)

I notified the collection agency and XXXX XXXX XXXX that this is not a valid debt. Further, I invited XXXX to produce documentation of a valid debt. Upon validation, I would happily pay the valid amount due. XXXX XXXX XXXX has contacted me as recently as a month ago about a separate matter. They had every opportunity to discuss this alleged debt then, but chose not to do so.
Consumer complaint received 2020-12-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (PA)

My insurance has been cancelled for my home as of XXXX XXXX. It is supposed to be paid by escrow. It was originally due XX/XX/2020. I have spoken with and have sent muliple emials to escrow. My insurance company has spoken with them. Escrow tells me that they need the correct policy information, but they will not tell me what it is. They say they have told XXXX, but after speaking with XXXX, they in fact do not know. They refuse to tell anybody what it is that they need. {$490.00} is currently owed. {$480.00} for the insurance and {$10.00} for the late fee. I have paid all of my mortgage payments with this company and they are up to date. I have provided them with a copy of my marriage license because my maiden name is still on the loan, I have provided them with a copy of the letter stating the XXXX address change, and I informed them by phone that there is a new policy number due to the fact that this property is now a rental. We moved into a home we inherited and my stepchild moved into the property in question.. This same situation happened last year and my insurance didn't end up getting paid until XXXX of this year for last year. I sent my marriage license over when the last invoice was due. It was supposed to be taken care of then. Here we are again. I can't get through to anybody who is willing to help me and they are refusing to pay my insurance with my money!
Consumer complaint received 2017-12-14
Product: Credit card or prepaid 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: JPMORGAN CHASE & CO. (CA)

Purchased an Airfare ticket with XXXX XXXX for XXXX $ in XXXX. Flew on XX/XX/XXXX and was downgraded to Economy due to a plane swap. on my return flight, it happened again. i contacted XXXX to get the situation handheld but they referred me to there partner XXXX who was operating the flight. XXXX XXXX never resolved the issue, so i made contact with my Credit card company to file a dispute. i told them the situation and they instructed me they would credit me XXXX $ back and keep the difference of XXXX charged on my account since that 's the price of an economy ticket. two months later i was asked to send proof of travel, which I did but they claimed to never have received it and recharged me the XXXX , I called and was given an apology and was told the documents were received late due to an office error and that chase would re-dispute the item for me. since then 2 months have passed and i called chase and was told the dispute is closed and we are rebilling you the XXXX , they said it was my fault because they tried to call me but i did n't answer and they cant dispute something this old ... they never called me or sent me any letter during this whole process. The item in dispute was purchased in XXXX and disputed after the travel in XXXX.
Consumer complaint received 2023-03-25
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: Experian Information Solutions Inc. (NY)

I am writing to dispute the inaccuracies on my credit report that have been reported by the following creditors : XXXX CHILD SUPPORT XXXX, XXXX XXXX XXXX XXXX, and XXXXXXXX XXXX XXXXXXXX. 

XXXX CHILD SUPPORT XXXX has reported inaccurate information to the credit reporting agencies, which may potentially violate the Fair Credit Reporting Act ( FCRA ) section 623 ( a ) ( 1 ) ( A ). Additionally, this creditor has failed to report the correct account status, which may potentially violate FCRA section 623 ( a ) ( 2 ). Furthermore, XXXX CHILD SUPPORT XXXX has reported different account type information on different credit reports, which may potentially violate FCRA section 623 ( a ) ( 1 ) ( B ). 

XXXX XXXX XXXX XXXX has also reported different account type information on different credit reports, which may potentially violate FCRA section 623 ( a ) ( 1 ) ( B ). Moreover, this creditor has reported inaccurate last reported dates, which may potentially violate FCRA section 623 ( a ) ( 1 ) ( A ). 

XXXXXXXX XXXX XXXXXXXX has reported different account type information on different credit reports, which may potentially violate FCRA section 623 ( a ) ( 1 ) ( B ). Additionally, this creditor has failed to report a monthly payment amount, which may potentially violate FCRA section 623 ( a ) ( 5 ). Furthermore, XXXXXXXX XXXX XXXXXXXX has reported different credit limit information on different credit reports, which may potentially violate FCRA section 623 ( a ) ( 1 ) ( D ). Finally, this creditor has reported inaccurate last reported dates, which may potentially violate FCRA section 623 ( a ) ( 1 ) ( A ).

These inaccuracies have affected me greatly, both financially and emotionally. As a result of these inaccuracies, my credit score has been negatively impacted, making it difficult for me to secure loans or credit cards with favorable terms. This has made it challenging for me to provide for myself and my family, and has caused me a great deal of stress and anxiety. 

Therefore, I am requesting that these unverified collection accounts be removed from my credit report as soon as possible. I am hoping for a prompt resolution to this matter, and I would appreciate any assistance you can provide. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-12-01
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY (PA)

On XX/XX/2021, I received alerts from several credit report monitoring sites/apps informing me of a hard inquiry on my XXXX report by Wells Fargo Bank NA . I did not apply or otherwise authorize an inquiry from Wells Fargo today. 

I contacted Wells Fargo via the phone number listed on the inquiry and explained the issue. I was told that all they could do is fill out a credit card dispute form, which would take two weeks to a month to investigate. They would also not provide any reference/case/confirmation number for this dispute form. 

They also told me to dispute it with XXXX directly, which I attempted to do, but was told by XXXX that I needed to contact Wells Fargo themselves. Each party is passing-the-buck. 

Im in the process of shopping for a home and will be applying for a mortgage. I dont have a month for Wells Fargo to investigate a non-existent credit card dispute.
Consumer complaint received 2020-12-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. ()

I have paid in {$5000.00} to Coinbase account on Friday XXXX XXXX. After purchase of Bitcoins the same day Coinbase locked my account and Im not able to convert my funds back to USD. No one I responding to me for over a week now.
Consumer complaint received 2020-09-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2020-12-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Advantage LNS Inc. (PA)

I disputed this confined fraudulent collection debt of {$5500.00} to the XXXX XXXX of XXXX and XXXX to which it was reported on. ( XXXX removed the fraudulent collection debt which i will provide documents of ) when i took action but XXXX however is very unlike with their processing systems and creditors monitors for fraudulent alerts like this current debt.
Consumer complaint received 2020-12-01
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NV)

I submitted a dispute to all 3 credit bureaus ( XXXX, XXXX and Equifax ) on XX/XX/2020 via USPS certified mail. Unfortunately, as of today I have not received any response from XXXX, XXXX or Equifax. 
I know that Under Federal Law ( Fair Credit Report Act ) the credit bureaus are required to complete a full re-investigation within 30-45 days. 
On top of the stress that COVID-19 has caused me personally, I am truly distressed about my credit and the lack of assistance that the credit bureaus are offering. 
I would like to know the following information : 1. Did XXXX, XXXX and Equifax receive my reinvestigation request/dispute letters on the date provided by USPS? 
2. If so, why have I not heard back from them? 
3. If my dispute was not received, then who has all of my account information and copies of my personal documents that was sent certified to the credit bureau?
Consumer complaint received 2022-04-26
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SUNRISE CREDIT SERVICES, INC (OH)

My name is XXXX XXXX. I am a real person. I am not a credit repair team. I have been handling my responsibilities and Ive come across people that have made it harder for me by violating my federally protected rights. 

Ive been harassed, threatened and violated by this company about debt that i do not owe. 
They have violated my right to privacy and have furnished an account against me without my written instructions and consent. 

According to 15 U.S.C section 602 A states i have the right to privacy.

As well as 15 U.S.C section 604 A Section 2, also states a consumer reporting agency can not furnish a account without my written consent.

15 U.S.C 1681c. ( a ) ( 5 ) Section also 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 1692c States Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

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. 

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. 

Sunrise credit service account XXXX XXXX
Consumer complaint received 2020-12-01
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I submitted a dispute to all 3 credit bureaus ( XXXX, TransUnion and XXXX ) on XX/XX/2020 via USPS certified mail. Unfortunately, as of today I have not received any response from XXXX, TransUnion or XXXX. 
I know that Under Federal Law ( Fair Credit Report Act ) the credit bureaus are required to complete a full re-investigation within 30-45 days. 
On top of the stress that COVID-19 has caused me personally, I am truly distressed about my credit and the lack of assistance that the credit bureaus are offering. 
I would like to know the following information : 1. Did XXXX, TransUnion and XXXX receive my reinvestigation request/dispute letters on the date provided by USPS? 
2. If so, why have I not heard back from them? 
3. If my dispute was not received, then who has all of my account information and copies of my personal documents that was sent certified to the credit bureau?
Consumer complaint received 2021-10-19
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. (MD)

XXXX ACCOUNT # XXXX was closed XX/XX/2020 but is showing as " current '' on my TransUnion consumer report. ( See attachment reflecting CRA 's reporting incurrent information. ) A closed account can not be reported as current. This inaccurate information is causing harm to my reputation.