davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-28
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (CA)

I received a pre-paid American Express gift card from my parents the first week of XX/XX/year>. After activating the card and confirming the balance ( {$100.00} ), I have attempted to use the card at XXXX XXXX XXXXXXXX, XXXX, XXXX, and XXXX  All stores have declined to accept the payment. Customer service represents at the stores were unable to accept the payment. I also tried to use the card on XXXX. The purchase was denied and I was locked out of my account until I re-verified my account with a different form of purchase. American Express support simply says to use the 4-digit code when making purchases, but no stores systems give me ( or the customer service representatives ) the opportunity to provide the 4-digit code. 

Attempted purchase amounts ranged from {$5.00} to {$100.00} between XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2024-09-28
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: CITIBANK, N.A. (IL)

On XX/XX/year>, I booked two rooms at XXXX XXXX, XXXXXXXX XXXX The reservations were for 4 adults. I booked with Citi Travel. On the XXXX, we called the hotel directly, to confirm our reservations. When we tried to check in that evening, we were told that only one room was available. He said they were over booked due to some convention. Each room only had one queen bed. Thus, we had to drive 70 miles out of our way to find another hotel. 

The man at the check in said he couldn't credit my Citi credit card because the reservation was through a 3rd party. He was saying that it was the 3rd party 's mistake. I feel it was the hotel 's mistake, because we called the hotel directly that morning to confirm. 

XXXX XXXX says that I was not allowed to cancel, because XXXX doesn't allow for cancellations. The irony of this is that I didn't cancel, the hotel canceled. Plus, when I disputed the charge with Citi, the hotel said I made reservations with XXXX. I made it with Citi Travel. 

On XX/XX/XXXX, I finally was given a Citi Travel phone number, XXXX. As it turned out the number I called was a fraudster, who was giving me the refund through XXXX. Being gullible, he was able to hack into my checking account. 

I have disputed this charge with the hotel, and Citi numerous times to no avail.
Consumer complaint received 2023-08-18
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (UT)

Im in the process of terminating my contract with XXXX XXXX XXXX Timeshare due to Misrepresentation and fraud. While my legal team is negotiating with XXXX, I stopped paying the monthly payments. They have been reporting on my credit and has put me in a position where I cant get credit for housing. I know there are thousands of families with the same problems. I hope this agency can get the negative reporting removed. Not only is the Timeshare been a hardship, they sold me a fraudulent contract and the following misrepresentations. 

XXXX XXXX misrepresented the reservation of the time share rooms. Any time we looked to book, there were none open for reservation. Nnable to book at any XXXX property or given any alternative. 

2 The Salesmen said repeatedly that she would be our personal agent to make any and all bookings. After multiple attempts to reach her she continued to not answer phone calls or texts to the numbers she noted 3 Paid over {$11000.00} and were never able to use any of the points assigned to us through the program.

4 The titled property was said to grow in value because of it being tittled but actually was worth less than what we purchased for when we decided we wanted out.
Consumer complaint received 2024-09-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (SC)

I have informed Chase Bank that my Phone was lost the XXXX XXXX XXXX 2024. I have filed a claim for a withdrawal that was done on my account. The date is XX/XX/XXXX for the amount of {$1600.00} and {$4700.00}. Leaving my bank account overdrafted and restricted. The agent that I have filed a claim to said that since it is a check, I will not be able to track it via the mobile app and the only way to track it is to call them. I was also informed that it will take 3-5 days to have a resolution and have my money back. The 3rd day was supposed to be on the XXXX XXXX XXXXXXXX and the 5th working day is on the XXXX XXXX XXXXXXXX. I was told that I should receive a call back on that day and a resolution. I have been calling them everyday since I have filed the claim and asks for updates but they keep on assuring me that I will have a resolution and my money back on the date given. 

I have called last XX/XX/XXXX and one agent told me that it will still take days for the resolution. I want my money back and I need it thats why I beg for it. The agent told me that I should received a resolution by the XXXX XXXX XXXX and provided me their direct contact number and told me to call them back first thing in the morning on the XXXX. 

Came the XXXX of XX/XX/XXXX, I was informed that I still need to wait. I have spoken to a supervisor only to find out that the claim was not worked on because I needed to submit the packet needed. I was in shock and frustrated because I wasnt informed that it was needed so that I shouldve done it in the first place. It was already the 7th day from the day I have filed the claim. They only instructed me to wait. Up until now, the XXXX XXXX XXXX theres no update and I didnt received my money back.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Consumer complaint received 2024-09-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (LA)

My debit card and cell phone were stolen on Wednesday XX/XX/XXXX. I went to the bank, Chase Bank, on Thursday XX/XX/XXXX and told them my card and phone were stolen and they pulled up my account. Many charges had been made, including transferring {$3000.00} from my savings account to my checking account. Then the thief sent money to herself via XXXX and XXXX XXXX transfers. All charges and transfers happened late the night of XX/XX/XXXX and the early morning hours of XX/XX/XXXX. I filed a claim with the bank and they DENIED my claim, stating my mobile app having Face ID and there is no way for them to know I didn't make the XXXX transactions. I have no idea how someone was able to get into my XXXX without my face or passcode. But they did. I also filed a police report with the XXXX XXXX Police Department - Item XXXX XXXXXXXX List of purchases and transfers : XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$10.00} XXXX payment XXXX XXXX XXXX XXXX - {$300.00} XXXX payment XXXX XXXX XXXX XXXX - {$700.00} Online transfer from savings - {$1000.00} XXXX Payment XXXX XXXX XXXX XXXX XXXX {$400.00} Debit XXXX XXXX XXXX XXXX - {$37.00} XXXX payment XXXX XXXX XXXX XXXX - {$500.00} Online transfer from savings - {$2000.00} Debit Payment sent XXXX XXXX XXXX - {$100.00} Debit Payment sent XXXX XXXX XXXX XXXX {$20.00} Debit Payment sent XXXX XXXX XXXX XXXX {$50.00} Debit Payment sent XXXX XXXX XXXX XXXX {$50.00} Debit Payment sent XXXX XXXX XXXX XXXX {$20.00} XXXX Payment XXXX XXXX XXXX XXXX username XXXX XXXXXXXX - {$50.00} XXXX XXXX payments to XXXX XXXX, her username @ XXXX XXXX {$200.00}, {$200.00}, {$100.00} and {$200.00}. 

Chase has acknowledged everything being fraud, EXCEPT the XXXX payments. Their fraud department will not even take the police report into consideration. They told me there is nothing I can do to get the the {$1900.00} in XXXX payments back. Also, I have a detective with the XXXX XXXX Police Department assigned to my case. The detective told me they have a main suspect, XXXX XXXX, who the fraudulent XXXX payments were sent to. They said they are very familiar with her and she has a history/rap sheet with the police here. I don't understand how Chase Bank can acknowledge some but not all of the activity as fraud. All the transfers happened in a very short window immediately after I was robbed. 

I need help. I consider Chase refusing to return the {$1900.00} to me a theft. Chase Bank has stolen from one of their own customers.
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT NAME : XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS. 
15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO NAKE 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 2024-09-04
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company (FL)

Subject : Formal Complaint Against Freedom Mortgage Concerning Escrow Funds and Prolonged Home Repairs To Whom It May Concern, I am writing to formally lodge a complaint against Freedom Mortgage concerning their failure to adequately review and process documents provided for the release of escrow funds needed for critical home repairs. I am a XXXX XXXX XXXX XXXX XXXX XXXX, and my home, which was secured by a VA loan , sustained significant water damage in XX/XX/2023. Since that time, I have been unable to use my master bedroom and bathroom, which is causing considerable hardship. 

Over the past year and a half, I have submitted numerous documents to Freedom Mortgage in an effort to secure the release of the necessary funds from my escrow account to address the extensive repairs required. Unfortunately, despite my diligence, Freedom Mortgage has consistently failed to review these documents in a timely manner and has provided conflicting information regarding the requirements for fund disbursement. 

Specifically, I have been instructed by Freedom Mortgage to provide an itemized shopping list for {$75000.00} worth of repairs and was told to place items in an online shopping cart from retailers such as XXXX or XXXX XXXX. This request is not only unreasonable but also serves to further complicate and delay the repair process, preventing me from restoring my home to a livable condition. 

As a result of these unnecessary and burdensome requirements, I have now been without a functioning master bedroom and bathroom for nearly two years. This ongoing delay is causing significant emotional and physical distress, exacerbated by my status as a XXXX Veteran. 

I request the CFPB 's intervention to ensure that Freedom Mortgage promptly releases the necessary funds from my escrow account so that repairs can be completed without further delay. I also ask that they provide clear, consistent, and reasonable guidelines for the documentation required for such disbursements in the future. 

Thank you for your attention to this matter. I am hopeful that with your assistance, this issue can be resolved swiftly and fairly. 

Finally, I hired an attorney to provide additional assistance in this matter. 

Sincerely,
Consumer complaint received 2024-09-28
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: AMERICAN EXPRESS COMPANY (NJ)

On XX/XX/XXXX I had auto accident with rim damage in XXXX, XXXX, which was covered by XXXX -American Express card. Before dropping of the car on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX asked for additional deposit of {$2000.00} on top of {$400.00} already paid. 
Upon return to XXXX on XX/XX/XXXX I filed claim with American Express card submitted my statement and related documents for them initiate the claim. 
Since XX/XX/XXXX till now Amex has been investigating the claim/investigation and i have submitted all documents they needed, now suddenly i see {$2400.00} charge reappear in my statement without explanation, upon calling Amex I was told because i did not provide my current car insurance details, which i had already done but I resent again. so the partially credited the account for {$1000.00}, still we have open balace of {$1400.00} plues late fees and interest of {$91.00} which is unfair since Amex has failed to honor their XXXX policy. 
Please see 3 Amex letters enclosed here XXXX letter dated XX/XX/XXXX that dispute will be resolved with a month, now it took 8 months 2nd letter dtd XX/XX/XXXX said {$2000.00} charge investigation claim closed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  charge claim closed. 

it does not give me any right to re- charge my amex for {$2400.00} after 8 months.
Consumer complaint received 2024-09-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (MT)

In XX/XX/year> my debit card was stolen and my bank account drained. Chime paid back half but is continuing to deny {$130.00} in refunds for unknown reasons and keep telling me I didnt provide enough evidence. 

I have provided two police reports, letters from my work showing I was not there, XXXX tracking showing I was personally in another part of the state at the time transactions happened. I have provided a hand written letter stating the situation and requesting them to contact me if further information is needed and they continue to deny a refund. All others submitted the same time were approved
Consumer complaint received 2024-09-23
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (UT)

Dear American Express, I am writing to formally express my dissatisfaction with the handling of the Companion Certificate associated with my American Express XXXX XXXX XXXX XXXX XXXX. I was informed that I would receive this certificate, but despite several interactions with your team, it has yet to arrive. 

Below is a transcript of a recent chat with your representatives : Amex : " Great. I can see the Companion certificate issuance month is XXXX, so please rest assured it will be issued after XXXX to XXXX weeks. However, this is the maximum time. It will be issued after the XX/XX/year>, statement closing date. '' Me : " Yes, I understand that from the last representative. However, I wanted to clarify what under process means. Has it been under process for XXXX weeks now, or just a few days? As I mentioned before, I know XXXX others who have the card and they received their certificates immediately when their annual fee hit. Why hasnt mine been issued yet? '' Amex : " Under process means the XXXX team will check and issue the certificate accordingly. Since this benefit is provided by the XXXX team, for more details you need to contact XXXX. As we are from the card servicing team, we can only check the issuance month. '' Me : " I already contacted XXXX, and as I mentioned, they have not received anything from your side. '' Amex : " Please rest assured, you will receive the certificate. It is taking time, but after the statement closing date, you will receive it. You can contact us if you have not received it by XX/XX/XXXX. '' Despite being repeatedly assured that the certificate would be issued, I have yet to receive it, and this ongoing delay is unacceptable. Furthermore, other cardholders have received their certificates promptly, so its unclear why my situation is different. I believe I have been patient, but I expect swift action to resolve this matter. 

If this issue is not resolved promptly, I will consider escalating the matter further. 

Thank you for your attention to this matter, and I look forward to your immediate response. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-19
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: JPMORGAN CHASE & CO. (CA)

XX/XX/XXXX : Recevied letter that XX/XX/XXXX Transaction via XXXX was valid. The Reason stating " You received benefit from this transaction ''. Amount of {$1200.00} was rebilled to credit card. 

XX/XX/XXXX : Called and spoke with XXXX about letter dated XX/XX/XXXX saying that XX/XX/XXXX dhgate charge is valid because I " received a benefit ''. He stated the decision was made based on IP Address. 

The charge in question from XXXX XXXX happened on XX/XX/XXXX for {$1200.00}. 

I called Chase on XX/XX/XXXX and spoke to XXXX to report this charge in question as well as another charge. I also explained that I discovered several of my accounts were compromised including my XXXX XXXX account and XXXX  account. In addition, I changed my name to my married name during this time and NEVER received the new credit card in my new name. 

I notified XXXX via their online system that the purchase was fraudulent and the mailing address they had for the order was not mine. There is no other means of communication to get a hold of someone from XXXX except via their portal. In the meantime I can not access my XXXX as it's been restricted due to this transaction begin reported as fraudulent. 

I have been an EXCELLENT standing credit card customer with Chase since XXXX! Our 3 main credit cards are ALL Chase credit cards. They have access to our spending habits and big ticket purchase trends ( usually travel ). I have never reported any fraudulent charges before and have never made a late payment ever. 

The charge on XX/XX/XXXX to DHGate is a fraudulent charge that I DID NOT authorize OR MAKE based on all the information above. I did not receive any benefit from this transaction as Chase is claiming. 

Please help.
Consumer complaint received 2023-11-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIBANK, N.A. (FL)

I am reaching out to you due to an issue I have encountered at one of the citi bank branch on XX/XX/XXXX. I dropped a cashier check from XXXX XXXX XXXX of the anmount of XXXX into my checking account and my account got locked within an hour. When I got put on the line with back office, they told me that the teller had called them and put a note on my account which triggered them to lock and block everything. No one is able to help or at least tell me whats going on. It is the second time i am being profiled by this branch. I need my fund in order to survive and I can not allow this to happen as these are all my funds. I can provide a bank statement from boa showing my funds, along with a picture of the cashier check.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (IN)

-- - **XXXX  XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX IN XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington XXXX XXXX XXXX Subject : Complaint Against Credit Acceptance for Violation of FCBA ( 15 U.S.C . 1666b ) and Incorrect Address Reporting Dear Sir/Madam, I am writing to formally lodge a complaint against Credit Acceptance Corporation for failing to provide mandatory billing disclosures as required under the Fair Credit Billing Act ( 15 U.S.C. 1666b ) and for inaccurately reporting my address. According to my records, XXXX XXXX has my address listed as XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, which is actually a mall, and not a residential address. My actual address, as noted above, is XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, IN XXXX. 

For over XXXX years as a client of Credit Acceptance, I have not received the necessary billing disclosures that are legally mandated. This lack of compliance has significantly impaired my ability to manage and understand the terms of my credit. The incorrect address listing has further complicated this situation, potentially affecting my credit and personal records.

I request that the CFPB investigate these issues to ensure compliance with the FCBA and correct any erroneous information regarding my address in their records. I expect a resolution that includes a correction of my address, a comprehensive disclosure of all past billing information, and an assurance of future compliance with legal standards. 

Enclosed are copies of my communications with Credit Acceptance and any other pertinent documents that support my claim. 

Thank you for your attention to these serious matters. I look forward to your prompt response and resolution. 


XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (VA)

I filed a complaint with Experian ( # XXXX ) regarding my credit report being unfrozen without my knowledge or authorization. I received a notice from them that the dispute had been resolved. After speaking with someone at Experian, NOTHING has been resolved. He, repeatedly, said that the only way my account could be unfrozen was if I did it via phone or online. I, repeatedly, told him that I DID NOT unfreeze my account, knew nothing of it until I received an email from them that my account had been unfrozen. NO ONE has my Experian access Login/Password, not even my spouse. 
Experian rep was insistent that there is NOTHING that they can do about it, because I am the only one who can unfreeze my account. I kept telling him it happened, and I did not unfreeze it. He kept telling me it can't happen. Well, it happened!! So, this complaint was NEVER RESOLVED! 
Obviously, someone was able to unfreeze my account without my authorization/knowledge. They've probably had another data breach and are covering it up. The Experian rep said there is no one, nor fraud division, to alert about this. This has probably happened to thousands of other people, and NO ONE AT EXPERIAN will acknowledge that this is a serious issue, nor investigate it!!!
Consumer complaint received 2024-08-05
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. (GA)

Transunion and XXXX are reporting XXXX XXXX XXXX 4 year old charge offs every month as if the charge offs are new ( see attached pics ). This has caused me to be turned down for a HELOC recently. They are showing up as open on myfico, the data base most companies use. This is a violation of my right to have an accurate credit report under the FCRA.