davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (FL)

After reviewing my accounts and statements, I noticed several charges from 2 or 3 different merchants but all being ran through XXXX. I contacted Chase Sapphire and gave them a list of unauthorized charges, this was over 30 days ago. These charges are NOT disputed purchases of some kind. These are complete Fraudulently charged charges. I never ordered any service, purchased any goods or signed any contract with these merchants. It has been over 30 days and I have received no credit, no response or any type of correspondence from Chase Sapphire. Usually if there is a fraudulent charge on your credit card then Chase would reach out to the merchant and have them provide some sort of proof for the transaction, a copy of an invoice, receipt, contract, or anything to prove this was valid. This shouldnt be that difficult, now that I have paid chase for these charges they are giving me a hard time and thr run around. They advertise XXXX  % liability for fraud on your cc, that is false advertising. There is absolutely nothing these companies will send to prove any transaction took place. This is all out fraud and the my own bank should have immediately credited my account. These charges exceed {$70000.00} that I have paid Chase Sapphire, I have held my account in the best standard over the 6 years I had it, I would pay the card in fullany times. Not once have I had a dispute or an issue until I discovered these charges.
Consumer complaint received 2022-01-07
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: BARCLAYS BANK DELAWARE (PA)

I was made responsible for fraudulent charges totaling {$9000.00} plus interest on 131 charges made on XXXX between XX/XX/21 to XXXXI notified Barclays on the evening of XXXX but they did not cancel the card leading to 3 more charges totaling {$1600.00} till I called back again on XXXX. All activity was not mine and I believe my card was hacked through my daughters XXXX account as she used my credit card as she is XXXX and visually handicapped with no credit of her own. Barclays first said I was not responsible but then decided I was. XXXX was of no help in this matter. Barclays claims that all items where delivered to my daughter in XXXX. This is not true! 
I was never notified by Barclays that there was unusual activity on my card- sometimes 16 transactions a day!! 2 transferred were over {$1000.00}. 
They initially took all the charges off then put them back in XXXX. 
There was only one actual charge made by me during those dates and it was for eye vitamins for my daughters XXXX. XXXX was quick to demand repayment for those when they probably had to repay Barclays. 
I have been a long standing customer of Barclays using the card for XXXX XXXX XXXX. I am a XXXX XXXX XXXX retired XXXX who does not appreciate being treated this badly. 
This also lowered my credit rating. 
Thank you.
Consumer complaint received 2022-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (GA)

Dear LEXIS NEXIS, I have previously disputed a public record with your company. after the investigation your company, Lexis Nexis remove the item from my profile, However I have disputed the item with XXXX several times and each time I am told that Lexis Nexis certified this item is verified as correct. I have attached Response 1 and Response 2 from lexis Nexis showing the removal of the items, but I'm continuously told by XXXX that Lexis Nexis is confirming that this item should be on my credit file. Please communicate with XXXX letting them know of the removal from prior your investigations into this matter. 

Please Ensure my name reads as ( XXXX XXXX ). 

*For some reason in your second response you have my name misspelled ( XXXX XXXX XXXX XXXX ( XXXX XXXX ) - Account in question. 

Thank you
Consumer complaint received 2022-10-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (WA)

Today, XX/XX/XXXX, I unfroze everything! XXXX Chase Bank sent me to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX ( who was also understaffed ) to create a new account and set an appointment for XXXXXXXX XXXX with XXXX who is a Chase Private Client banker. XXXX Police Department XXXX XXXX and ( mother of ) XXXX XXXX had undercover / military, ouch! XXXX didn't arrive for the appointment until about XXXX XXXX. He had my WA XXXX ID with XXXX XXXX card using my name, cell phone number, social security number and address in his database which he claims he knows everything about me. I am alive, not dead but haven't had a Chase bank account personally as far as I know and he disputed me as he said he can see one. XXXX found an old account from WaMu which was acquired by Chase in XXXX ( should be closed ) and claimed he found an Amazon credit card with my social security number. He later claimed that the card wasn't mine but I was an authorized user after typing a few things and refused to tell me about anything but confirmed an old XXXX address from my credit history. I needed to provide him with a coupon code for the Chase Total Checking account but didn't have access to my home PC, so I was told to login to chase.com to complete the application process with direct deposit to get my {$200.00}. [ When I got home I checked my email about XXXX XXXX XXXX as provided to XXXX with two new notices of Chase : Your address change is complete and another for Confirmation of phone number change - in which I didn't request nor even know about. I can not login as there is no account, application or user names. ] I completed the application for Chase Total Checking with Your {$200.00} coupon from Chase is here! ( email code ) but was declined immediately with no confirmation number but thanks for applying. I called the XXXX XXXX XXXX XXXX at XXXXXXXX XXXX who told me to call XXXX Chase XXXX and Mobile Banking Technical Support and when I did they couldn't find major error to why I cant get online other than needing to clear out the application or my personal data when I got transferred to Chase Customer Support who informed me that there is a Chase Ultimate Rewards card ending in XXXX in my social security number but closed for some reason when asking for accounts. There was new information changed today as confirmed by the local branch emails as attached. [ I said I didn't know about those at all and I spoke to my family but none of them claim those changes to accounts ] Customer Support did not confirm the WaMu, Amazon or Chase Freedom cards but told me to return to a local branch to set up a new Chase Total Checking account with that {$200.00} coupon code or inquire about what was changed. I said " that is fraud '' and hung up. [ The call lasted XXXX mins XXXX secs in total ] I also sent these details in an email at XXXXXXXX XXXX to XXXX XXXX
Consumer complaint received 2022-10-13
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. (MO)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$320.00} ; XXXX XXXX XXXX Balance : {$660.00} ; XXXX XXXX XXXX Balance : {$420.00} ; XXXX XXXXXXXX Balance : {$24000.00}
Consumer complaint received 2021-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (CA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2022-08-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to request the removal of unauthorized credit inquiries on my XXXX credit report. My latest credit report shows eight credit inquiries that I did not authorize. 
I am writing to dispute the following inquiries and ask for their removal from 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 XXXXXXXX XXXX
Consumer complaint received 2022-04-15
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: Rocket Mortgage, LLC (FL)

on XX/XX/2021 i talked to an agent which promised to provide you me with a loan using soft inquiry on my credit report. once i handed him my information they ran my credit and they never gave me the type of mortage i wanted to for a home or so. i tried contanting the company XXXXROCKET MORTGAGE L XXXX and they didn't wanted to help me remove the inquiry on my credit report even when i told the agent that i never allowed the agent to run a hard inquiry on my credit report.
Consumer complaint received 2021-08-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

I put money in my chase bank account and havent looked at my chase bank account for four months because I was out of state. Now I checked and there was {$1200.00} missing. I didnt lose my debit card and ID .I went to the police department to make a report and went to chase bank but they wouldnt repay the money to me. They said that it is not their fault but chase bank should be responsible since I put my money in their bank account. They should take responsibility in securing my money. Now that it is stolen they should repay that amount to me because they are responsible for losing my money. Please help me. My number is XXXX and email is XXXX. My name is XXXX XXXX XXXX.
Consumer complaint received 2022-10-13
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (PA)

I received notice that my account was closed and sent to unclaimed property at the end of XX/XX/2022. I immediately called, the same day, to find out how to retrieve my funds. I sent an email to XXXX as instructed. After six weeks with no response, I called back and filed a complaint and was told someone would get back to me in two weeks. And I sent another email to unclaimedproperty. After another four weeks and no contact, I called again and attempted to escalate to another level. These new people were no help whatsoever and were at a loss where to send me next. I called the unclaimed property number and was told to go a branch and they would have the information on claiming property. The branch has absolutely no way of knowing what to do and cancelled my appointment after eight days, because eight days was their first available appointment. I called the unclaimed property back tonight, XXXX XX/XX/2022 immediately after my appointment was cancelled, and was told they should never have sent me to a branch. All I could do was file another complaint, my fourth. 
So how do I claim unclaimed property : 1. There is no information on claiming unclaimed property anywhere on the Wells Fargo website.

2. There is no information on claiming unclaimed property from any of the Wells Fargo customer service phone numbers.

3. There is no information on claiming unclaimed property from unclaimed property phone line.

4. No one at the Wells Fargo branch has any idea how to claim unclaimed property.

After 12 weeks of trying, and filing four complaints that were supposed to result in being contacted, I still have not a single idea of how to submit a claim. I don't know what documents they might want, or forms to fill out.

I have been told repeatedly by Wells Fargo that the case numbers I refer to have no meaning or use whatsoever. So every phone call results in a new file being opened, with all the same information regurgitated by me, followed by the promise of being contacted in two weeks. I have spent 17 hours on the phone with Wells Fargo and have not ever received a single piece of information in regard to claiming unclaimed property. I have made zero forward progress and have no hope of any, as I have now called every recommended number, and keep getting referred back to the same numbers that have already resulted in nothing.
Consumer complaint received 2021-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (IL)

Attached is a copy United states Bankruptcy Court explaining they do not report to any of the credit bureaus. So how are you verifiying this information if the source is saying they don't report to any credit bureaus. You are reporting inaccurate information according to the Fair credit reporting act 15 usc 1681 e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

If any information is indeed inaccurate According to 15usc 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2022-10-13
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. (AZ)

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 XXXX XXXX account number XXXX, XXXX XXXX XXXX account numbers XXXX, XXXX has violated my rights. 15 USC 1681 section 602 A, states I have the right to privacy, 15 USC 1681 section 604 A section 2, states a consumer reporting agency can not furnish a account without written instructions. 15 USC 1681 c ( a ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following information ; Any adverse item of information other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 1681 s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer relating agency if the person knows or has reasonable cause to believe that the information is accurate,
Consumer complaint received 2021-08-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A. (WA)

First off, to preface this issue, I would like to explain that I have tried to resolve this issue with BBVA, in fact they admitted over the phone that the bank was indeed wrong in charging me the NSF fee, but they weren't able to do anything about it due to the same error being made the month before, in very similar circumstances. So, their system won't " allow '' them to refund the fee, even though it was charged by mistake! This was verbally admitted to me on two occasion. Anyways, moving on : On XX/XX/21 I was charged an NSF fee of {$32.00} for an attempted {$32.00} debit from my account. This makes zero sense, as my account balance the day before, on XX/XX/21, was {$100.00}, and on XX/XX/21, my account balance was {$350.00}. This is all shown on my statement. The bank employees confirmed this as well, and weren't able to give me a single reason as to why I was charged the fee, and like I stated above, it appeared to be a mistake. 

That being said, no one was able to help me. They said it was impossible to refund me the fee since a similar incident happened the month before in XXXX, when I ALSO had funds available for the debit but was charged an NSF fee regardless. 

I find this to be absolutely bonkers, immoral, and wrong on so many levels. I am requesting assistance in getting this fee refunded to me, and compensated for my time in resolving this issue.
Consumer complaint received 2021-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (CA)

I contacted Citibank on several occasions attempting to close my Citi AAdvantage credit card, most recently on XX/XX/2021. After verifying my identity, the customer service representative did not provide a reason why the account could not be closed. Instead, she said that a letter would be emailed. The balance on the account is {$0.00} since the card has never been activated due to possible fraud warning. I previously received verification letters in the mail in XX/XX/2021 requesting my social security and signature but contacted Citibank to let them know that I was not comfortable sending this information via mail. I've been a previous identity theft victim. Citibank has refused to close the account.
Consumer complaint received 2022-10-13
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. (GA)

This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 ; XXXX OF XXXX XX/XX/2022 ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$940.00}.
Consumer complaint received 2022-10-13
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2021-01-11
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)

On XX/XX/2021, I was alerted to a new trade line on my credit report for {$520.00} from XXXX XXXX. 
I made contact with XXXX XXXX, who informed me it was likely XXXX, a self reporting loan service. I contacted XXXX and they confirmed I do not have an account or loan with them. They have requested a police report and FTC report.
Consumer complaint received 2022-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CBC Companies, Inc. (NC)

To Whom It May Concern : Case # XXXX It has come to my attention, that Innovis has added a social security number to my consumer profile : XXXX, as mentioned by the attached letter. 

This is not my social security number and must be removed from my Innovis consumer report immediately! 

Innovis has never been authorized to add information to a consumer report in my name, without proper verification that it belongs to said consumer. 

Innovis, as a business is practicing fraudulent operations, by adding an unknown social security number to my consumer report. REMOVE IT AT ONCE! 

I have not placed requests for credit with any organizations under a SSN ending in XXXX and have no active trade lines with a SSN ending in XXXX. 

There is no factual record that indicates that I have requested applications for credit from creditors who are not employers, to be on my file or gain brute-force access to the CRA systems to place their name tag, with an inaccurate social security number on my file. That is considered theft of identity! There are group actions to be considered if this information is not removed immediately, without prejudice!
Consumer complaint received 2021-08-22
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. (MI)

I been paying on my accounts with XXXX XXXX XXXX and on time and more money to pay my XXXX XXXX off, my end loan personal loan down, and I been paying to get my credit card back down and I have disputed after dispute and i have emailed and mailed y'all company CFPB about all three credit bureau 's wasn't reporting right and Equifax still not reporting my credit right because out of all my dispute to Equifax my credit XXXX XXXX XXXXXXXX have received all the disputes from all three credit bureaus and Equifax felled to update all two loans and my credit card payments and now this is XX/XX/2021 and Equifax isn't updating my payments for my credit score to go higher and I just paid off two collections that was reported on my credit report and no changes. I want Equifax to get my credit report reporting correctly and update my credit score. I will be emailing or uploading documents from XXXX XXXX XXXX XXXX and from the collection agency to show I have paid them off and I also paid the XXXX XXXX with XXXX XXXX XXXXXXXX off it was {$240.00} now it's XXXX owe.