davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-26
Product: Credit card — 
Issue: Credit determination — 
Company: JPMORGAN CHASE & CO. (CA)

As a longtime Chase credit card customer ( over a decade, all balances paid in advance of bill with a credit score of XXXX ), I recently applied for a Chase-sponsored XXXX XXXX card and was denied even though I currently only have XXXX other Chase card. The reason I was given -- " Too many credit cards opened in the last 2 years '' -- evidently reflects Chase 's newly enacted " XX/XX/XXXX '' policy of which applying consumers are not informed before the application/inquiry process. These are unfair and deceptive advertising practices. The policy unjustly limits the consumer freedom of those responsible individuals who open multiple credit cards per year for perfectly legitimate reasons. Should responsible consumers be punished for not buying into corporate debt and credit slavery?
Consumer complaint received 2015-10-11
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (FL)

I was approached by Chase, which is my current mortgage company to refinance my mortgage loan. I was sent the paperwork to sign. The document package stated that it was time sensitive ; stating the signed Authorizations to Disclose Information documents should be return by XX/XX/XXXX 2015 ; the stated expiration date being XXXX XXXX 2015. However, I had not received these document until XXXX XXXX. These were signed and shipped in the pre-paid envelope provided on Friday XXXX XXXX. 
Additionally, Chase required certificates of insurance for flood and property. When I spoke with the designated Mortgage Banker XXXX XXXX XXXX XXXX by telephone call XXXX located in XXXX, AZ XXXX, I informed her that I would require an email address, since I did not have a fax machine. She stated that she would provide that shortly because she had to send me additional paperwork. I never received any emails from XXXX XXXX. I spoke with her again to request an email address in order to submit the COIs and any other documentation. I also informed her that I had never received any paperwork from her. She stated that she had sent me many emails. At which time I reviewed all my email Inbox. 
At the end of the call, she stated that the loan had been terminated because the paperwork was not submitted on time. I stated that I disagreed with that statement and 1. the signed documents were returned the day after they were received and 2. the COIs were pending her email information, which XXXX XXXX never provided. And as per the Chase document, the expiration date XX/XX/XXXX. Chase sent a follow up letter dated XXXX XXXX 2015. It states that " Unfortunately, we could n't approve the loan because we did n't receive the additional information we requested. As a result, we cancelled your application. " Based on the way this was handled by Chase and XXXX XXXX, there is no reason for Chase to approve this loan. Since it is not in their best interest, the interest rate would drop.
Consumer complaint received 2022-05-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (NV)

I had a problem with another company XXXX  charging my account so I called Wells Fargo to dispute the charge. 

Now Wells Fargo has locked me out of my account and they are claiming that I did not sound like myself when I placed the phone call yesterday! What I think happened is the bank is retaliating against me because I was angry by the time I got through their endless maze of a phone tree! 

This started XXXX at XXXX - I spent ALL DAY long and placed over 100 phone calls to their customer service which kept ringing to the Philippines XXXX to agents who do not speak XXXX and are not able to help. They kept claiming that their system was down and not able to help. Now today they are running me in endless circles of 1st telling me I have to go into the branch, then they will say no we can help, but then never do. 

They are playing games with including pretending they can't understand the card #, claiming I am using abusive language and then hanging up on me, becoming irate when I become upset on the phone. 

I have been locked out of my account for over 24 hours and their customer service representatives are telling me it that it all depends " on how I treat them whether my account will be turned back on or not '' The level of insanity in dealing with this bank is obscene.
Consumer complaint received 2022-05-05
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. (GA)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the collection agency however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted.
Consumer complaint received 2022-05-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: JPMORGAN CHASE & CO. (NE)

I recently sold some stock from my investment account with XXXX and was looking to access the cash quickly for bills I had due. As such, I have a newer ( less than six months ) Chase bank account opened, that I wanted to the funds to go to. As a result, I opened my chase app, found my account number, and wire routing number. I specifically, found the wire routing number because I know its different from the regular routing number as I have sent wires in the past. I complete the outgoing wire process with XXXX, and wait. They say it can take up to 24 hours, but usually it only take 2-4 hours if that. This was on XX/XX/2022, at XXXX XXXX XXXX  time. By XXXX, Im in the phone with Chase and they notify me that my type of account ( whatever that means ) can send or receive wire transfers. At this point my XXXX is on the floor, and I am completely confused, concerned, and just worried. 

The first agent I speak with at chase tells me not to worry we can convert your current account into an account that can receive wires. He walks me through all the information you must share with a customer opening a new account essentially. Then at the end, he tells me Im having a system issue and I cant do it. Please go to a local branch, they will be able to do it. Confused, I say ok, but request to speak to someone who knows more about and or deals with wire transfers. Once transferred I share my situation with her, she tells me shes never heard of any chase account that cant accept wires, and advises that the previous teammate has no idea of what they are talking about. She places me on hold, comes back to the line to tell me she was wrong, and there are accounts like mines that cant accept wires. She advises that the wire will come in that day sometime, be rejected, and sent back to where it came from. Its been over 24 hours and chase has yet to receive my wire. Im not upset with XXXX  because I have previously did this with my XXXX XXXX XXXX  account and had no issues whatsoever, so this isnt an XXXX thing, its a chase thing. XXXX provides me with this reference number XXXX ; however, chase swears they cant do anything with it. This is unacceptable for many reasons. First if my account cant accept wires, dont provide me with the wire routing number in the app. It shouldnt be available to me, because that insinuates that I can send or receive wires. Next, your customer service against telling me completely different things, because I later called chase that same day on XX/XX/XXXX, and they advise me that accounts cant be converted at all. Id have to open a brand new account, I can not simply upgrade my account. I have XXXX plus dollar sitting in transit somewhere and chase wont do anything to help me! They later sent me a letter saying the issue has been resolved, when nothing has been resolved!
Consumer complaint received 2022-06-09
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act, the below accounts have violated my rights. 
XXXX  XXXX bankruptcy dismissed Reference number - XXXX XXXX XXXX XXXX - account number XXXX XXXX XXXX XXXX XXXX account number - XXXX XXXX  XXXX  - account number - XXXX XXXX  XXXX account number - XXXX DEPT OF EDUCATION/XXXX account number - XXXX XXXX XXXX XXXX account number - XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX  account number - XXXX XXXX account number - XXXX XXXX account number - XXXX XXXX XXXX  account number - XXXX XXXX XXXX XXXX account number - XXXX 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 an account without my written instructions
Consumer complaint received 2022-06-09
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. (FL)

In accordance with the Fair Credit Reporting Act, the below accounts have violated my rights. 
XXXX  XXXX bankruptcy dismissed Reference number - XXXX XXXX XXXX XXXX - account number XXXX XXXX XXXX XXXX XXXX account number - XXXX XXXX  XXXX - account number - XXXX XXXX  XXXX account number - XXXX DEPT OF EDUCATIONXXXX account number - XXXX XXXX XXXX  XXXX account number - XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX  account number - XXXX XXXX account number - XXXX XXXX account number - XXXX XXXX XXXX account number - XXXX XXXX XXXX XXXX account number - XXXX 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 an account without my written instructions
Consumer complaint received 2022-05-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: PNC Bank N.A. (TX)

PNC bank after acquiring BBVA has been inefficient and late in their proceses. After a long process for processing an incoming wire transfer during XXXX, they caused more than XXXX usd in NSF fees from Other banks. I wrote letter complaining and took out all the funds from the account. Now they want to charge XXXX and are not allowing to close the account, and keeping the bad service shown.
Consumer complaint received 2022-05-05
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: EQUIFAX, INC. (FL)

these are the inquiries i didnt authorize and are fraudulent on my credit report 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 2022-06-09
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. (OH)

In accordance with the Fair Credit Reporting act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX  Account # XXXX, has violated my rights XXXXXXXX  Account # XXXX, has violated my rights XXXX Account # XXXX, has violated my rights XXXX Account # XXXX, has violated my rights XXXX  Account # XXXX, has violated my rights XXXX  Account # XXXX, has violated my rights 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. 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. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-05-05
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. (GA)

I just tried to dispute a charge on my card " XXXX XXXX  # XXXX XXXX XXXX '' I did not get the 2 chocolate dipped cones, and brownies were not put into my ice cream which I paid {$3.00} for on 3 separate items. 

it was for a delivery of ice cream, they denied to launch the charge because I didn't " try to return it '' # 1 I didn't have that option after I was already told they refused to refund me # 2 they refused to refund me for items I paid for that I did not recieve. 

They are legally obligated to refund me It is Citi 's fiduciary duty to launch a dispute LAUNCH MY DISPUTE FOR {$14.00} STOP BEING SILLY AND DO YOUR JOB
Consumer complaint received 2020-04-07
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: CL Holdings LLC (AR)

After reviewing a recent copy of my credit I came to the realization I have become a victim of identity theft. I  recently have submitted ( Identity theft report number # XXXX XXXX which included accounts 1. XXXX # XXXX, 2. XXXX XXXX # XXXX, 3. Jefferson Capital Systems # XXXX 4. XXXX  XXXX XXXX # XXXX. I have reached out to all major consumer reporting agencies including XXXX XXXX and XXXX It has been over 30 days and as per the Fair Credit Reporting Act these fraudulent accounts must be deleted without 100 % accurate verification. Jefferson Capital Systems has violated my consumer rights and the Fair Debt Collection Practice act by continuing to report fraudulent established accounts to my credit file after being notified by the credit bureau. In addition, sections 605b, 609, and 611 have also been violated under the FCRA. The fraudulent accounts still remain reporting on my credit file and is a clear violation. I have completed and submitted 2 identity theft reports to the credit bureaus and Jefferson Capital Systems continues to still report this fraudulent account to the bureaus. I have no recollection nor recall opening or establishing any of these accounts listed above.
Consumer complaint received 2022-05-05
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: EQUIFAX, INC. (TX)

I have also talk to EQUIFAX about my claims I have against them they also still committed fraud against me and not paid me part of the settlement they gave the claim number they gave wrong days that the force to pay me they said XXXX it was XXXX then in the same letter they said XXXX XXXX months that already had pass when they sent me this letter in XXXX. The have inquiries that's XXXX XXXX and also inquiring that's says inactive on there they are falsely and committed fraud on my credit report this unjustified unconscious this is a fraud against me my credit report they bring my credit report score down they want show it this fraud
Consumer complaint received 2022-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TN)

I am submitting this complaint because this organization is reporting outdated inaccurate information on my consumer report. This account is past the statue of limitations it has been reporting for over 7 years. 15 USC 1681 ( a ) states the banking system is dependent on fair and accurate credit reporting. This account is on my credit report as a duplicate account and it also is outdated I reached out to the company to resolve this information but I had no success.
Consumer complaint received 2022-08-23
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: Experian Information Solutions Inc. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$150.00} XXXX XXXX XXXX  XXXX Balance : {$2.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$3800.00} XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$5500.00} ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$150.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I ordered a copy of my report in XX/XX/2022 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, the 3 bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the accounts because I believe it was reporting in error. 

XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$50000.00}
Consumer complaint received 2022-08-23
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: Experian Information Solutions Inc. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-05-05
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

This was not sent is error i am a consumer by law and my information as misused and now i have some flase not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. 
EQUIFAX and the account name is XXXX balance {$0.00} account # XXXX 30 days late in XX/XX/2022.
Consumer complaint received 2022-05-05
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: The Bureaus, Inc. (MN)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
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.
Consumer complaint received 2018-05-21
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: YKS Acceptance, Inc. (CO)

We purchased a vehicle from XXXX XXXX ( YKS Acceptance Inc ) in XX/XX/2014 only to have it written as a lease rather than finance. We are very near the end of payments and can not get a straight answer on payoff amount. They have been in trouble for failing to disclose and fraudulent practices in the same time frame as our purchase. I asked for a complete statement of our account with all payments, fees, interest so I can see what exactly we were charged ( 60 % over the sale price ) for. They sent me a payment record showing dates of payments but with no other information. I emailed them asking for a detailed record of our account and they have gone completely silent. This all started because I went to make an online payment in XXXX only to find their website gone and that the company doesn't exist. They were bought out by another dealer but have largely the same staff there. We were not informed about any change and when we looked to find what was going on found how much trouble they had gotten in. When asked about it they blew it off as a " misinterpretation '' of the laws. But now they are refusing to send me information to verify that my account has been handled according to the law.