davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (TX)

On Thursday XX/XX/XXXX, I was contacted by text checking to see if I had made a {$350.00} charge to a XXXX, I responded No and called to follow up. 

The person that answered indicated that there was also a {$20000.00} wire transfer posted to our account and asked if it was mine. It was unusual for us to have this large amount in our checking account because we had just received a tax refund the afternoon before. I told this person No and he proceeded to help me cancel it. He fraudulently presented himself as a Chase employee named XXXX with a Chase employee ID of XXXX and said he was calling from the XXXX office XXXX He sent fraudulent texts from the Chase App and I followed his instructions and instead of cancelling the wire, I enabled him to transfer {$10000.00} to his account. During these events, as I began to become suspicious, he called me back on the Chase Customer Service Line using the Chase Line fraudulently. 

Meanwhile, I called Chase Fraud on another phone and asked if the transaction/ situation was valid. They told me no and to hang up immediately. I did, and also asked the Chase Fraud representative what I could do to stop this wire to the recipient at XXXX  XXXX XXXX, XXXX XXXX since they had the account and transaction information in front of the. They told me there was nothing they could do. Not taking that as a final answer, I drove to the the nearest XXXX  XXXX XXXX branch and asked them for help- with their customers information- and they too, said there was nothing they could do. Still not content to take no, I drove to the nearest Chase branch and asked them for help. Eventually I was able to close the impacted checking account, open a new one, and file a complaint with Chase Fraud. There was an additional direct deposit to my account claiming to be from the Internal Revenue Service. I confirmed with the IRS that this was not sent by them and I asked Chase to reject it. It seems too coincidental that a direct deposit came in from the IRS within XXXX hours of having the initial one actually sent by the IRS for the correct amount of the refund we expected. I realize that I made critical mistakes but also want to stress that I was misled by someone who knew they were stealing money. I also would think the IRS would want to know more about this person since they were impersonating a federal agency. I am working with Chase to file the report regarding the fraudulent deposit with the IRS. 

I ( and Chase ) have the name and information of the recipient of the wire transfer : There is an address and phone number on the Internet for this person too. The information of the individual receiving this fraudulent wire iis below : XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX- XXXX. 

Address per Internet : XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2024-02-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

XX/XX/2024 I am Re-Submitting Complaint about XXXX XXXX University, Trans Union, and XXXX XXXX : ACCOUNT PAID IN FULL ; OUTDATED! 

RE-AGING ACCOUNTS AGAINST FCRA! 

PERPETUATED BY XXXX XXXX, and TRANS UNION as they FOSTER ILLICIT ( INCORRECT DATA ) ATTEMPTING TO DRAW CREDIT REPAIR INCOME!
Consumer complaint received 2022-11-14
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. ()

Hello! 

On XX/XX/2022, I sent a bank transfer of XXXX XXXX XXXX from my XXXX account in XXXX to my account at XXXX XXXX XXXX XXXX XXXX. 

XXXXXXXX XXXX declined my transfer and sent the money back. But the money never went to XXXX XXXX XXXX. 

The whole chain is XXXX XXXXJP Morgan XXXX XXXX XXXX XXXX XXXX JP Morgan - .. payment not returned to XXXX... 

JP Morgan is an intermediarybankin this transaction and has been holding my funds since then XXXX XXXX XXXX declined my transfer and sent the money back. 

The XXXX number for this wire is XXXX I also made the request to XXXX, which sent a response that my funds were not blocked.

I also made the request to JP Morgan, but they answered me, that they are not permitted to assist me personally in this matter. Since i do not have a direct relationship with J.P. Morgan they are not permitted to provide specific details. 

I also sent repeated inquiries to XXXXXXXX XXXX, but they informed me that JP Morgan was not responding to their inquiries. 

I dont understand why I have to write requests to banks myself. Why can't they resolve this issue among themselves in half a year. 

I am more than happy to provide any additional paperwork required to get my well earned money back to my XXXX XXXX XXXXXXXX  accounts, though it's been now more than 5 months since the wire was sent, and I do not know what to do. 

Best regards, XXXX
Consumer complaint received 2024-02-09
Product: Credit reporting 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)

On XX/XX/ I exited my rental lease early at the apartment property ( XXXX XXXX XXXX ) a XXXX XXXX XXXX in XXXX Arizona, due to an extremely bad experience, XXXX, apartment conditions etc. A short while after moving out I received a bill for certain charges. Two of the main charges were for the carpet which was only in the bedroom and a piece of vinyl flooring. While I was a tenant, I requested that the vinyl flooring be fixed. It was a small rip in the flooring ( Photo attached ) The maintenance individual stated at the time of request to fix it, that it was not something he could fix. I ended up being charged {$970.00} and it was actually fixed after leaving. I was also charged {$170.00} for the carpet that had some discoloration in the bedrooms. I was also charged for drywall issues which they cut due to water damage. ( Photos included ) We utilized an app called ( XXXX ) to make maintenance requests. Below are photos of many of the requests and I made to maintain the conditions of the apartment, Just to avoid being charged. I asked the district manager and to explain how I was charged so much. I also have attached a video of what the flooring looked like when I moved. I was sent a ledger and bill which is also attached but I do not believe that the amount was equivalent to the condition I left the apartment. At most all the all flooring needed was a carpet cleaning which is required and mandatory in all units when individuals move out. And I do not believe that the small piece of Vinyl in the photo was almost {$1000.00}. I know individuals who have moved out with more extensive damage and I dont believe the charge was as much.
Consumer complaint received 2024-02-19
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. (MD)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-01-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MS)

I checked my credit reports there is inaccurate information thats on my file that wasnt made or authorized by me below I have attached my reports! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 15 U.S. Code 1601- Congressional findings and declaration of purpose ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholderreceives no benefit. Under, 15 U.S. Code 1681b Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In according with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: American First Finance, Inc. (SC)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXXXXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX I received a copy of my credit report and I have found that in accordance with the FRCA you violated my rights under : 15 USC1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PURSUANT to 15 USC 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

AMERICAN FIRST FINANCE I ( Account ) # XXXX ( XX/XX/XXXX ) XXXX ( Account ) # XXXX ( XX/XX/XXXX ) XXXXXXXX XXXX XXXX  ( Account ) # XXXX ( XX/XX/XXXX )
Consumer complaint received 2023-02-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (TX)

On Thursday, XX/XX/2023 I was notified that my venmo account had been suspended and was under review. I was never notified about any of this and basically, my funds are locked. I have a business venmo account and have been using venmo for 5 plus years now and have never gone through this. They can't give me any information as to why this is happening and I have no access to my funds.
Consumer complaint received 2024-03-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Credit Karma (OR)

On XX/XX/2024, I received an email telling me my account email address and phone number had been changed. I called and let them know, that was not me. A couple of hours later, I watched {$1600.00} being taken out of my savings and put into my checking. I called again, they told me not to worry. I woke up on XXXX  and there was a purchase for {$1500.00}. I called again, they told me it was being handed over to the security department. I locked the card. I woke up XXXX  morning and there were XXXX more purchases for the total amount of {$2200.00}. Once again, I called and demanded they shut down the account. They told me a new debit card was being mailed. I have been in contact with them every day since and I am getting nowhere. All they tell me is " our security team is working on it. '' I am living off of my credit card and will have no way to make the payment when it is due, let alone pay the bill. 
Credit Karma is supposed to be protecting me, I feel like they aren't doing a thing to help.
Consumer complaint received 2024-05-04
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Associated Credit Services, Inc. (IN)

The debt collecter used false statements to attempt to coerce a payment from me. The debt collection agency is called Associated Credit Services , Inc. XXXX XXXX XXXX XXXX, MA XXXX. On XX/XX/2024 I received a call at XXXX XXXX from the number XXXX. In this call, she was very rude an pushy and used manipulation tactics to try to scare me into paying right then without reviewing my options first. The most important thing to note is that she used a false statement. This was that she told me that because my medical bills had been in collections for so long ( they sent all the letters to the wrong address ) that it had bypassed the period for insurance coverage so I must pay her because it would not be covered. This was completely untrue and she said this to try to scam a payment from me. Following this phone call, I contacted my dentists billing office and my previous insurance provider and connected them to each other and they found out the issue with the claim and removed me from collections. I did not pay the collections office but I am aware that what she said to me was illegal and I intend to hold them responsible for that.
Consumer complaint received 2020-05-22
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: CITIBANK, N.A. (CA)

PLEASE NOTE : The account number submitted with this claim is the CURRENT account number. The account number was CHANGED after the fraud was reported, and new cards were sent out. The account number submitted in this claim is the NEW one, and the OLD number is linked to this active account. ALL of the fraudulent charges referenced were charged to the OLD account number. 
Between XX/XX/XXXX and XX/XX/XXXX, about 162 separate fraudulent charges ( appearing as " XXXX '' and " XXXX '' ) appeared on our CitiCard XXXX   MasterCard. No actual purchases had taken place. A cursory calculation revealed charges in excess of {$3200.00} of fraudulent purchases, and an estimated $ 900+ in interest chargers collected by Citi . We made multiple phone calls to Citi 's customer service lines, and they disconnected us each time, after several long minutes, without a call back. We sent a detailed letter by USPS certified mail to Citi, which was received on XX/XX/XXXX. On XX/XX/XXXX, after failing to receive any acknowledgement or contact in reference to the fraud, we sent a fax to " Citi Brands Credit Bureau Disputes '', containing copies of every page of the 10-month series of statements, with the fraudulent charges clearly marked. Although there is a means of disputing charges online, Citi cut off the online disputed charges at a XX/XX/XXXX entry without comment, and has failed to either contact us nor adjudicate that limited number of claims, which represents a fraction of the charges. 
With our correspondence, we included web links and hard copy pages of research which demonstrated the well-known status within the banking/credit card industry of this specific fraud, dating back to, at latest, XX/XX/XXXX, and as much as 5 years prior to the first one appearing on our XX/XX/XXXX statement. We believe there is more than enough proof of fraud, that Citi is profiting by it, and their neglect to even confirm or act on our claim is intolerable.
Consumer complaint received 2023-04-03
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. (FL)

My name is 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 2024-04-29
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

My credit card company, Capital One is charging me an over the limit fee. The problem is that I make a payment during the month to get the account within the limit. However, at the end of the month when they add the interest they run the available to XXXX dollars and give me the over the limit fee. I look at that as unfair since there is no way I can get out of this trap that I have been put in by them. They want me to use their card, however, they are always charging me interest that cuts off my card and on top of that slapping me with a new charge, the over the limit charge. I make the payment but can not dig myself out because of it.
Consumer complaint received 2024-04-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I called Bank of America 's credit card department at ( XXXX ) XXXX on Saturday, XX/XX/XXXX, on or around XXXXXXXX XXXX PDT.  The XXXX XXXX XXXX system ( " XXXX '' or " automated system '' ) asked me to provide the last few numbers of my credit card. I provided the correct numbers and it gave me my balance. I then pressed 0 to get to a customer service agent. The system denied my request and said I must select a certain prompt. So I pressed 1. Then I pressed 0 again to request a customer service agent. The XXXX denied my request and then deliberately disconnected the call on me and said " thank you for calling Bank of America ... good bye. '' Bank of America 's XXXX is egregious. Under no circumstance should an XXXX deliberately disconnect on a consumer. This prohibits me from speaking to an agent to ask questions regarding my account and to make a payment over the phone. My specific questions are too complex for the XXXX and requires a customer service representative. In addition, this is not a one-time isolated event. This is a pattern and practice. I have complained about this to customer service agents in XXXX, XXXX and a few times in XXXX. Bank of America is ignoring my valid complaints and escaping accountability. So now I'm escalating my complaints to the : XXXX, OAG and OCC. Moreover, I recorded the phone calls so I can evidence the IVR deliberately disconnecting on me.
Consumer complaint received 2024-03-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: KEYCORP (OR)

In mid XXXX I saw an ad for a human dog bed on XXXX ad on XXXX. I ordered it and got an email from XXXX about my order. This is a documented spam email so I did not open it. I found out the XXXX ad was fake and contacted my friend at XXXX who flagged the page and said they had successfully removed it. Then I contacted my bank told them I was very worried about this charge and to close out the debit card and send out a new one. I thought for sure this would stop the charge. I filed a fraud report and the bank gave me a provisional fee for XXXX. 3 months later the Key Bank reversed the provisional fee and told me to contact the merchant. There is no merchant it is a scam however I looked back at my account and a company called XXXX took my money. I tried talking to the fraud department again and they said that I should talk to the merchant and I explained I never bought anything from this company and that the scammer changes company names. After speaking with the fraud department unsuccessfully I called my bank where I live and the lady told me we don't give back money for fun. I feel completely scammed and not protected by my bank nor provided proper customer service. I think Key Bank is complicit with wire fraud.
Consumer complaint received 2024-05-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

On XX/XX/year>, a XXXX volunteer by the nickname of XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) showed me a bathroom vanity. I liked the vanity and told him I wanted to purchase it but that I was not sure about my measurement. XXXX told me to secure the merchandise by paying for it, go home, measure, and if it doesnt fit, getting a refund as long as it is within XXXX days. I did exactly as he advised. I placed the bathroom vanity on my charge card, I went home, measured it, and returned the next business day to cancel the transaction. The bathroom vanity measured XXXX, but my bathroom can only accommodate XXXX. The vanity never left the store, and I was well within the XXXX time period quoted. 
I spoke to the XXXX when I came back to cancel the transaction, and at that time she told me that I could get merchandise credit. I explained to her the inconsistent messaging I received for the XXXX employee, and she corrected me and said that everyone at XXXX is a volunteer. The language on the receipt is deceptive. It says, The XXXX will hold items for XXXX calendar days and if not picked up, will be placed back on the floor and treated as donation. It does not clearly state that there is a no return policy, or that consumers will only receive store credit. I disputed the charge with Capital One and it was closed without resolution. I went back to XXXX and asked for a store credit, and they refused to issue a credit. As of today, I am out of {$680.00}, I do not have any merchandise, and I do not have store credit to use in the future.
Consumer complaint received 2024-04-29
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (IL)

I am complaining about the monthly fees on top of fees that have been added since last XXXX to my TJMaxx credit card issued by Synchrony Bank. 
It started back last XXXX when I was late with my payment that month but as soon as I noticed it, I immediately called them back XX/XX/XXXX to pay off my balance. I asked them to remove the fee and interest to no avail. I paid the balance in full except for the late fee and interest. I was hoping they would reconsider the removal of such a fee since they have done it in the past for me. The following statement, they added another fee of {$30.00} plus interest. Please see attached statement for XXXX XXXX and XXXX XXXX XXXX. I called them again sometime in XXXX or XXXX (? ) to ask them to remove the additional fee on top of the other fees. The bank has a record of this call. I offered to pay original {$27.00} dollar fee but they denied me. Since then, they charge fees of {$30.00} plus interest on top of just fees. Please see current statement of XXXX, XXXX with the balance amount of {$180.00}. 

I believe is unfair that a bank charges fees upon fees plus interest on balances that they are paid in full in a few days. A late fee of {$27.00} has grown exponentially to {$180.00} in a matter of a few months. It has also damaged my XXXX credit score by XXXX points. 

I am willing to pay the original {$27.00}. It is usury what this bank practice with customers like me. Please fight for me. 
Thank you.