davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-13
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: LEXISNEXIS (IL)

In XXXX, XXXX  I sent a letter disputing the validity of the bankruptcy they are reporting on my credit report. They responded with a letter stating that they was unable toverified this item and have removed it from they're file. I went directly to XXXX to dispute the item in question and XXXX stated bankruptcy was verified yet again on XX/XX/2022 by XXXX XXXX after XXXX XXXX sent me a letter stating they have removed bankruptcy from file as of XXXX XXXX but they continue to verify to XXXX information they state they couldn't verify. 


This item needs to be deleted from my credit report if it can not be verified within 30 days.
Consumer complaint received 2022-07-13
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. (NY)

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX Account # 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
Consumer complaint received 2022-07-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

Okay, here what is happening In XX/XX/XXXX I paid for a flight, thru the company XXXX XXXX XXXX XXXX ) to go to XXXX from XXXX XXXX for XXXX of XXXX. 
Covid hit. 

XXXX gave me a credit extension to XX/XX/XXXX I reached out to them recently to book a trip for XXXX of XXXX to go to XXXX. 
They couldn't use my credit cause I was adding on a new traveler with me. 

We did a new transaction. They sent me an email saying that I can expect a refund on XX/XX/XXXX for the amount of XXXX Its XX/XX/XXXX, I don't have the refund. XXXX sent me a screen shot of the refund being processed on XX/XX/XXXX. The card number that they had was an old card number but it was for my checking account ( it was my debit card ) I called chase, explained this all to the representative in the claims department. He said lets give it one more day ( it was XX/XX/XXXX when I first called ) and if it doesn't come thru, call back tomorrow and we will set up a claim. 

Called back today ( XX/XX/XXXX ) and am being told by two representatives that they can't file the claim anymore. Its too old. Even tho the merchant extended the time frame to this year with the credit and sent me an email stating that the refund would be received by XX/XX/XXXX. 
So the merchant extended there own time frame. 

I honestly, do not care, if its a claim or whatever, but I need to figure out with my bank how im going to receive this refund and I get told yes we will file a claim and then get told no we won't file it, then today after they said no initially, they went and started a claim, then the supervisor got on the phone to tell me they will most likely deny the claim because of the time frame. 

Im at my wits end with chase right now. I literally just want some help. The merchant has done what they can do on there end, I need help from chase at this point, and have all the supporting documentation to show that they were suppose to send me a refund on XX/XX/XXXX. 

Do I file a claim? Do I provide the merchant with my updated debit card number? What do I do?? Because chase has told me two completely opposing actions to take in the past 24 hours, even down do how to submit my information. The claims department says I only can fax it, but then I look at my chase.com login portal and it has a tab for documentation upload- and claims documents are included in that option. I spoke to a customer service representative who said yes we do have that as an option for claims, but the supervisor in the claims department as no idea? 
Please, anyone, someone - help me. The amount im suppose to be refunded is XXXX. Its not a small amount of money at all. I have the support from the merchant saying they will refund me that amount but for some reason I don't have it and when Im calling my back to help me, they are and then say they aren't at the same time.
Consumer complaint received 2022-07-13
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. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX acct # 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
Consumer complaint received 2022-07-13
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. (CA)

I have been sending numerous letters to the Credit Bureaus for them to remove the accounts and information that resulted due to the theft of my Identity. I started send in Dispute letters to the Credit Bureaus on XX/XX/2022 until XX/XX/2022 with complete attachments of my Personal information, but despite all my efforts, the Credit Bureaus seemed to ignore my appeals and neglect their duty to comply with the FCRA section 605b. In my Previous letters and complaints, I am requesting that the Credit Bureaus investigate and verify the accuracy of the items I am disputing by providing me with documents which bear my Signatures. Since then, I have been waiting for them to respond to my letters regarding then investigation and the documents I have been requesting, but after a time of waiting, the Credit Bureaus sent me nothing. The Credit Bureaus are given ample amount of time to do and finish their investigation but their investigation had done nothin to correct my Credit File. Now, I am submitting this complaint to urge the Credit Bureaus to remove the disputed items with or without proper investigation since the time allotted for the Credit Bureaus to conduct their investigation is already over. Once again, I AM REQUESTING THAT THE CREDIT BUREAUS REMOVE THE FOLLOWING ITEMS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX : {$15000.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX Balance XXXX {$780.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX : {$1000.00} XXXX XXXX XXXX Original Creditor : XXXX ) XXXX Balance XXXX {$23000.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXXXXXX Balance : {$1500.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX XX/XX/2022
Consumer complaint received 2022-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (FL)

I opened a Chase Business Ink account on XX/XX/2022. I received a promotional offer that stated I would receive XXXX bonus points if I charged {$15000.00} or more to the account within 3 months. 

Chase has done everything in its power to prevent me from participating in the promotion by placing random security freezes on my account. Additionally, I am not alerted of these freezes unless I call the number on the back of the card. There is no text or email alert that gives me the opportunity to confirm that the purchase is legitimate. Instead, Chase simply blocks my card for days at a time. When I call in to get it unblocked, I am told the department is 'closed '. 

This is a business credit card and not being able to use it affects my company is a negative manner. For instance, today is XXXX XXXX on XXXX and I have no access to use my card. I was told that the customer care team at Chase can not help because the fraud prevention department is closed.
Consumer complaint received 2022-07-13
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: LEXISNEXIS (TN)

On XX/XX/2022, I sent an email to the courthouse asking do they report bankruptcy to any credit agenices and I received an email back stating that they do not report any bankrupcy to any credit bureau. If that the case how did the credit agencies verify my bankrudtcy as 100 % accurate. They never did a fair investigation according to the 15 U.S.C 1681. 15 U.S.C. 1681 SECTION 603 ( 3 ) ( E ) states The term " investigative 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 information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. They have violates my rights numerous of times. 15 U.S.C. 1681 1681 SECTION 602A states I have the right to privacy. 15U.S.C. 1681 SECTION 604A SECTION 2 states a consumer reporting agency can not furnish an accounnt without my written instruction. 15 U.S.C.1681s-2 ( A ) ( 1 ) states Reporting information with actual knowledge of errors 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 2022-07-13
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. (TN)

On XX/XX/2022, I sent an email to the courthouse asking do they report bankruptcy to any credit agenices and I received an email back stating that they do not report any bankrupcy to any credit bureau. If that the case how did the credit agencies verify my bankrudtcy as 100 % accurate. They never did a fair investigation according to the 15 U.S.C 1681.

15 U.S.C. 1681 SECTION 603 ( 3 ) ( E ) states The term " investigative 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 information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They have violates my rights numerous of times.

15 U.S.C. 1681 1681 SECTION 602A states I have the right to privacy.

15U.S.C. 1681 SECTION 604A SECTION 2 states a consumer reporting agency can not furnish an accounnt without my written instruction. 
15 U.S.C.1681s-2 ( A ) ( 1 ) states Reporting information with actual knowledge of errors 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 2022-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (IL)

In my Chase account, I received an ad for Chase Sapphire credit card and it said I was preapproved for the card. 

So I applied for it but then was not approved. I got an email later saying it was because I had received a Chase sapphire promotional bonus 48 month ago. 

If that were a criteria, why was I pre-approved for that card? And why was it advertised to me? Now I have to deal with the repercussions of a hard credit pull. 

I am very disappointed with Chase and want them to either give me the card or erase my hard credit pull!
Consumer complaint received 2022-11-04
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (CA)

Closed account on XX/XX/XXXX with wells fargo over the phone 7-10 business days for check to arrive in mail Called XX/XX/XXXX ( 10 business days after closing was told there is nothing they can do until day XXXX ) XXXX Tried going into a retail location said they cant help because it was initiated over the phone. Trying over the phone gets me transferred to payment exceptions. I have been on hold for over an hour and not a single person has answered. Im wondering if its an intentional dead end. They promised 7-10 business days to received a check. Its been 17 business days or 23 days, since I closed the account and I have received no such check.
Consumer complaint received 2022-06-09
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. (WA)

Before I explain, I want to say my demand is clear and I demand a knowledgeable representative looks over my complaint. Thank you. I pulled my credit report and noticed an alleged debt ( collection ) from XXXX XXXX  is still reporting on XXXX and TransUnion. I sent a debt validation letter to the creditor requesting validation of the alleged debt through demanding a request for accounting, in accordance with the Uniform Commercial Code, UCC Article 9-210. They failed to provide me this, because they didnt provide me adequate validation since they didnt provide me with a record AUTHENTICATED as the law says ; so this reported information is not only invalidated but inaccurate and a clear violation of the Fair Credit Reporting Act ( FCRA ). 

XXXX and TransUnion is participating in fraud with XXXX XXXX and violating the Fair Credit Reporting Act by willingly still reporting this invalidated and inaccurate information that still has not been deleted from my consumer report and I am willing to take legal action against both parties should this information continue to stay on my credit report.
Consumer complaint received 2022-11-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (NY)

I contacted Citibank Fraud department on XXXX to inform them of various fraudulent transactions that had taken place while II was XXXX  at XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX I provided Citibank with the documentation showing I was detained from XXXX and thereby unable to perform any of the transactions. Due to the nature of the transactions I was provided with a new debit card and changed my PIN number. The bank informed me the matter would be investigated and I would receive provisional credit within 10 business days. On day 10, Citibank closed the matter without any investigation. This occurred three times ( XXXX, XX/XX/2022, and XX/XX/2022 ). I requested a copy of their records regarding the investigation and have not been provided with anything. 

The transactions are listed below : Checking account- XX/XX/2022 ATM withdrawal Citibank ATM {$60.00} XX/XX/2022 ATM withdrawal Citibank ATM {$40.00} XX/XX/2022 ATM withdrawal Citibank ATM {$780.00} XX/XX/2022 ATM withdrawal Citibank ATM {$200.00} XX/XX/2022 ATM withdrawal Citibank ATM {$200.00} XX/XX/2022 ATM withdrawal Citibank ATM {$40.00} XXXX ATM withdrawal Citibank ATM {$260.00} XX/XX/2022 ATM withdrawal Citibank ATM {$100.00} Savings account- XX/XX/2022 ATM withdrawal Citibank ATM {$20.00} XXXX ATM withdrawal Citibank ATM {$300.00} XX/XX/2022 ATM withdrawal Citibank ATM {$40.00} XX/XX/2022 ATM withdrawal Citibank ATM {$100.00} XX/XX/2022 ATM withdrawal Citibank ATM {$60.00} XX/XX/2022 ATM withdrawal Citibank ATM {$20.00} XX/XX/2022 ATM withdrawal Citibank ATM {$800.00} XX/XX/2022 ATM withdrawal Citibank ATM {$700.00}
Consumer complaint received 2022-07-13
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERICAN ADVISORS GROUP (CA)

This is a response letter to AAGs response to our complaint. .We are Not satisfied with AAGs response to our complaint because it is filled with discrepancies. .here 's why. .AAG mentioned in their response, people we have never heard of and had no business dealings with Whatsoever! Our closing date for our Reverse Mortgage Application was supposed to be before the end of XX/XX/2022. XXXX XXXX was the agent assigned to us by AAG. XXXX XXXX was our assigned Reverse Mortgage Loan Officer. Where did AAG get these names of other people we have never heard of? What we don't understand if they ( AAG ) discovered the Lien on XX/XX/XXXX, XXXX why did they say we were approved for the Reverse Mortgage early XX/XX/2022? They sent us the paperwork for the payoff of the mortgage to sign, which we did and our Mortgage Company even sent the acknowledgment which had to be paid off by XXXX of XXXX? Why did XXXX XXXX ( Agent ) and XXXX XXXX ( Loan Officer ) say our loan was closing by the end of XX/XX/2022? We have undergone several hardships because of AAGs handling of our Reverse Mortgage, we were turned down by AAG even after we had a loan number and everything! If AAG would have done their Homework in the beginning all of this hardship could have been eleveated!
Consumer complaint received 2022-11-04
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd (GA)

I have used TransferWise, or now Wise to transfer money from the XXXX to XXXX, with most transfers to my XXXX bank account from my XXXXXXXX XXXX account, personal accounts A few months ago, after XXXX years of these transfers, I found that they had lost the original ID documentation and wanted to to through the process again. It required passport, drivers license, photographs and other methods. As their own regulations state that my account, bank to bank, does not require ID since both banks have in-person ID verification I contacted them, stating their own regulations. 

XXXX XXXX XXXXXXXX They refuse to budge. As I'm in the computer security business I have serious concerns about their alleged security, so do not want to do it. I already had a phisher try to get into my PC as they had apparently intercepted communications and knew all about the problem. Naturally Wise claims that they are perfect. 

I have even offered a local notary documenting my ID or a conference call with my bank manager with me in person in the bank, but they refuse to accomdate. 

My experience with the software that they use is that it doesn't actually work propertly so I don't want to spend weeks going back and forth, since I've used them for years without incident. 

Can you intercede please?
Consumer complaint received 2022-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: USCB, Inc. (CA)

I have been trying to get a validation of debt request fulfilled for many many months with no success. USCB America has failed to respond to me in a timely manner and I have received XXXX itemization of the debt I allegedly owe. Please delete USCB from my credit report immediately. 

Also, I was informed that XXXX & XXXX would be deleted as part of the settlement payment. The settlement has been fulfilled but the account still remains on my credit. Please delete.
Consumer complaint received 2022-11-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA (NY)

I was recently denied my own credit on XX/XX/22 for an apple card from Goldman Sachs Bank Usa. XXXX XXXX XXXX XXXX which is adverse action under Equal Credit Opportunity Act. I exercised in good faith Pursuant to 15 usc 1691 ( a ) ( 3 ) when I filled out my credit application for an apple card. Pursuant to 15 usc 1602 ( e ) I, the natural person credit is my right. Pursuant to 15 usc 1602 ( f ) I am the original creditor who regularly extends credit. My credit card was used pursuant to 15 usc 1602 ( l ) in this consumer credit transaction which is an open-ended credit plan. Goldman Sachs Bank USA did an unauthorized use of my credit card Pursuant to 15 usc 1602 ( p ) at which I the card holder receive no benefit. I have sent a letter certified mail to Goldman Sachs Usa, XXXX XXXX XXXX XXXX demanding my right to my own credit.
Consumer complaint received 2022-07-13
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. (CA)

In accordance with the Fair Credit Reporting act A, XXXX XXXX XXXX not provided XXXX {$1400.00} 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 In accordance with the Fair Credit Reporting act A, XXXX XXXX XXXX XXXX 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 In accordance with the Fair Credit Reporting act A, 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 In accordance with the Fair Credit Reporting act 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 In accordance with the Fair Credit Reporting act 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 In accordance with the Fair Credit Reporting act 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 In accordance with the Fair Credit Reporting act 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