davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-25
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: JPMORGAN CHASE & CO. (IL)

On XX/XX/2020 I ordered a moderately expensive item from the merchant " XXXX '' via the ( fraudulent ) website https : XXXX Now if one attempts to load that website, one is warned that it is not safe, though this was not the case a month or two ago, unfortunately! 

Despite my being charged for the item, it was never sent to me. Instead the merchant provided fraudulent shipping information. Specifically, On XX/XX/2020, I received an email ( attached ) stating that the product was shipped via XXXX. If one enters the tracking number into the XXXX website, it shows that it was delivered by USPS ( the postal service ) on XX/XX/2020. However, this tracking information is not for my order, as the attached document from XXXX shows. Moreover, the item I ordered weighs 8.15 lbs, with a box weight of 26.5 lbs, whereas the shipment in the tracking information shows a shipped weight of 5.3 ounces. 

I have repeatedly tried to contact the merchant via the email address and phone number listed on the website and my receipt, but I haven't obtained even a single response. 
This is no surprise, as the merchant 's entire website ( XXXX ) appears to be fraudulent. 

Indeed, the website https : XXXXXXXX  lists 12 complaints ( all from XX/XX/2020, they appear to be new ) some of which identify the same scam ( the merchant forwards fake shipping information to the customer as well as the bank when the transaction is disputed ). Moreover, the website https : XXXX gives the merchant a " very bad trust rating of 1 % '', references many online complaints, and reports " This domain name is linked to one of more countries known for being used by fraudulent websites ''. 

In any case, XXXX and USPS have opened up cases regarding this shipment and both companies tell me that the shipment was not intended for me, as the name and address do not match my own. This proves that the transaction was fraudulent. 

Lastly, this is not the first time this merchant has been accused of this scam. I have already alerted XXXX  of the scam ( though they claim to be unable to investigate since I disputed the charge with Chase already ) and am also alerting the Consumer Finance Protection Bureau, the Federal Trade Commission, the XXXX XXXX XXXX, and the police. 

I want to reiterate the fact that the merchant does not respond to phone calls or emails. Not once. And they appear to be based in XXXX, according to scam website reports.
Consumer complaint received 2018-12-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (TX)

I bank with Chase and have been a client for decades. Never filed a complaint or had any other issues. I transferred money with XXXX, a partner of Chase to a shipping company on XXXX losing {$2800.00}. On XXXX when the person ( s ) who I was allegedly doing business with on the web essentially disappeared and contact was lost, I learned it was a fraud. I've tried to rectify with bank, one person said they would refund one time as a loyalty courtesy and was relieved. Then they transferred me to another person who said absolutely not. I would have thought some protections or loyalties were in place, but apparently not. Please call me for details. I am disgusted and will likely move every account out of that bank!
Consumer complaint received 2020-07-25
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. (NY)

THE DIPSUTED ACCOUNTS NEED TO BE PURGED OFF MY CREDIT FILE, THOSE ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THE ACCOUNTS ARE INACCURATELY PLACED AND I WOULD LOVE THEM TO BE REMOVED OFF MY CREDIT FILE
Consumer complaint received 2018-04-17
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. (MI)

A charge was made on my checking account for {$36.00} from a company called XXXX XXXX. This was not an authorized charge and I contacted Chase to dispute this charge. They decided for some reason that it wasnt fraud and are charging me even though I did not make this purchase. They told me there was nothing they could do and I am required to pay even though I did not make this charge and have never been to XXXX Michigan.
Consumer complaint received 2021-04-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (FL)

In 2018 enhanced recovered company tried to wrongfully charge me {$1400.00} for unknown charges from XXXX! I am no longer with sprint and no nothing of these charges so I disputed the bill! It was deleted from my credit report. Now it has returned to my report without explanation. I would like ERC to stop harassing me and remove this charge from my credit report
Consumer complaint received 2020-12-13
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. (NY)

I have 4 Hard inquires on my Equifax credit report from unknown sources and they have not been authorized from my side. I have reached to Equifax as well about this issue but they have not resolved the issue. 

The four inquiries in question are as follows : Inquiry details XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX - XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2022-08-14
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)

I Have been looking and observing over my credit a noticed multiple fraudulent inquiries on my report, The fraudulent inquiries are : 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 2020-01-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (WA)

My student loans are serviced by FedLoanServicing ( FLS ). I have at present {$74000.00} total across seven different student loans with varying interest rates. I'm currently on an IDR payment paying about {$450.00} a month. That {$450.00} has to be allocated to the 7 loans proportionally, according to FLS. They refused my request to allocate a larger percentage to the highest interest rate loans, saying that there is a " federal requirement '' that they apply the IDR monthly payment proportionally to the seven loans, allocating the payment to each loan based on the that loan 's balance as a percent of my total student loan balance. That effectively means that I am unable to pay principle on the higher interest rate loans. Instead the principle payment is actually being applied to the lowest interest rate loan. 

I called and spoke to several people at FLS to make this request. I was transferred to a supervisor, XXXX, employee number XXXX, who denied my request and cited a federal regulation that he said requires MyFedLoans to allocate my monthly IDR payment proportionally to the student loans, instead of applying more to the highest interest rate loans. There is no written requirement in the IDR loan language stating this, and the effect of it is to ensure that borrowers may more in interest over the life of their student loans. Please contact FLS and ensure that they grant my request to apply all principle payments made through my IDR loan payment to the highest interest rate loan.
Consumer complaint received 2022-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act displaying the address - XXXXXXXX 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 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, has violated my rights. 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 2022-01-11
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: GOLDMAN SACHS BANK USA (FL)

XX/XX/XXXX {$4000.00} Payment Sent XX/XX/XXXX Shown on the statement XX/XX/XXXX Check cashed and stamped by Goldman Sachs Apple XX/XX/XXXX Payment reversed, Apple to apply no details why, bank of check confirmed funds were cashed XX/XX/XXXX {$4000.00} reapplied and an email was sent apologizing for their admin error Multiple calls confirming that the payment would be backdated since funds were NOT late, it was a result of the banking institution, and that the late payment of 60 days in XXXX would be removed. 

My payment was reported 60 days late in XXXX of XXXX. In XX/XX/XXXX on the phone I was told this late payment would be removed because it was Apple 's mistake. It has yet to be fixed. These late payments are not accurate. The original XXXX payment was not backdated. They just reflected it as a new payment in XXXX. Their error has drastically affected my credit where I've never had a 30 late payment. 

My funds were held hostage, my calls and investigations with them go nowhere. 

XXXX of XXXX there were fraudulent charges that were disputed. My payment for XX/XX/XXXX did not post till XX/XX/XXXX. They reported that 60 days late despite it being 1 day late. My statement shows XXXX payments within 60 days of XXXX. Their reporting is inaccurate. I have been going back and forth with them for over a year having to start over every time I call and not receiving any callbacks. 

Their customer service has not helped at all. 
Proof attached : check with time and date of being cashed by Goldman Sachs, gmail with their apology, statements reflecting errors & showing all payments, proof of check being sent via USPS.
Consumer complaint received 2018-12-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (PA)

Hi, I have a problem with Citi bank on the checking account opening promotion. I opened the account in XXXX with the promise of {$500.00} as bonus. And i have met all of their requirements. And they said the bonus will be deposited by XX/XX/2018. But it did not happen. 

I called and they launched an investigation for a month. On XX/XX/2018, they said I was not eligible. I called again. They said they made a mistake and launched a second investigation. And I called both its cooperate customer service, the branch and the online chatting, but all of them just made me wait! 

The customer service representatives said everything looks fine but I was just being put away. 

I had to keep all of my money there for the account to be qualified and I feel they are just dragging the process. And it starts to feel like a spam. 

Could you please help me?
Consumer complaint received 2021-04-12
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ALLY FINANCIAL INC. (PA)

I got sick with XXXX XXXXXXXX and ended up in the hospital and almost XXXX So my XXXX and XXXX car payments were late. I got them caught up as soon as I was out of the hospital and better. I called Ally Financial 3 months ago asking them to please remove the late payment from my credit report. They said theyd put in a request but Ive never heard back and Ive called but nothing. I disputed with XXXX but Ally didnt do anything to help. Other then these 2 payments Ive not been late. I dont think a little compassion in the middle of a world wide pandemic is too much to ask especially since it almost cost me my life.
Consumer complaint received 2021-04-12
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I have someone else info mixed with mine that has similr Name Social security number and birthday. they are taking almost a year to fix it! I did make an FTC report and police report and ID theft. and still no resulution from XXXX XXXXnd Equifax XXXX XXXX
Consumer complaint received 2022-07-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that the Credit Bureaus are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA, Im submitting this complaint to help establish a legal recourse. If the Credit Reporting Agencies choose to not block the following accounts listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. Please remove the following accounts as they are fraudulent & were opened without my consent or knowledge. 

XXXX XXXXXXXX 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 2022-08-08
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. (SC)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. 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 accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX 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 is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Balance Owed : {$17000.00XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$6400.00} XXXX XXXX XXXX XXXX Balance Owed : {$2000.00} XXXX XXXXXXXX XXXX XXXX Balance Owed : {$15000.00} XXXX XXXX XXXXXXXX Balance Owed : {$230.00} XXXX XXXXXXXX XXXX XXXX Balance Owed XXXX {$6700.00} XXXX XXXXXXXX XXXX XXXX Balance Owed XXXX {$3100.00} XXXX XXXX  XXXX XXXX Balance Owed : {$230.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$720.00} XXXX XXXXXXXX XXXX XXXX Balance Owed : {$310.00} XXXX  BANK XXXX Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$270.00} XXXX XXXXXXXX XXXX XXXX Balance Owed : {$310.00} XXXX XXXXXXXX XXXX XXXX Balance Owed : {$260.00} XXXX XXXXXXXX XXXX XXXX Balance Owed XXXX {$350.00} XXXX XXXXXXXX XXXX XXXX Balance Owed : {$350.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$350.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$350.00} XXXX XX/XX/XXXXXXXX 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 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 2022-01-11
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AZ)

This account is not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting to my credit reports. I have attached the letters and FTC report that was sent on XXXX  2021 which I never received a response for. They are still contacting me and this is still showing on my credit report. I will sue them if they continue to collect/report debt that does not belong to me!
Consumer complaint received 2022-06-26
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. (MO)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXXXXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX I has violated my rights 15 U.S.C 1681 section 602 A. States I have a 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 2021-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (VA)

I would like to file the claim with DISCOVER BANK, who recently closed my account without any notice. This is my oldest credit card with over 10 years billing history. I was trying to solve this issue with the bank directly, but to my surprise, they did not cooperate and stated that it is the '' business decision '' they conducted regularly. I am very confused because they did not even disclosure any of the specific reasons on why my account being closed, either give me any opportunities to explain the situation. I thought it maybe relates to my recent disputes with XXXX XXXX, which I disputed for the items returned but no refund. However, since the cases are still open, I did not think it is appropriate for the bank to close my account directly without solving the issues. Actually, The merchant has already provided the proof of return from XXXX, and the case will be solved soon ( as attached ). Therefore, I felt extremely upset and have to file this claim with DISCOVER Bank for the further investigations. Appreciate if CFPB could step in and negotiate with the bank directly and reopen the account on my behalf. Thanks in advance.
Consumer complaint received 2018-12-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A. (IL)

I submitted an application to Citimortgage on or about XX/XX/2018 for a loan modification on my mortgage which converted from an interest only loan to an amortized loan with a 20 year amortization in effect more than doubling the payment. The home is underwater as well but would like to keep it as we have lived in the home for more than 16 years and have children in school. I have been submitting any and all requested documents on a timely basis and have kept in constant contact with Citimortgage and thought things were moving along when on XX/XX/18 I received a letter from a law firm representing Citimortgage demanding full payment of the mortgage plus penalties and interest and says in paragraph 6 of the letter that the law firm can file a foreclosure immediately and does not have to wait 30 days for a reply. I have additional correspondence from CItimortgage stating that we do in fact have an ongoing application for modification relief at this exact time period. I also received a phone call from a Citimortgage collection account employee on XX/XX/2018 at XXXX CST who identified himself as " XXXX '' - he said his purpose of the call was to see if we were going to pay off the balance of what's due ( he quoted a number ) and then when I said I had a modification in review right now he paused and said we were in foreclosure and said he could transfer this call to " litigation '' if I wanted to speak to them. I did and he tried to transfer but I was disconnected. Today XX/XX/2018 at XXXX CST I received a call from " XXXX '' at Citimortgage employee ID number XXXX who also said I was in foreclosure and asked what my intentions were- I said I was in a modification review and she placed me on hold for a long period of time and came back on and asked me to keep holding - I couldn't because I was at work. It seems like a case of " dual tracking '' and that's my complaint.
Consumer complaint received 2021-04-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK (CA)

On XX/XX/XXXX I had issues with the account setup and the holds to make money available that takes so XXXX long to become available and the fact I cant go to an atm to deposit money to my account. it has caused so much XXXX XXXX with transfers and holds to available to my account and even paying my credit cards are late!!
Consumer complaint received 2022-07-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

Upon reviewing my reports, incorrect information is being reported to my personal credit file. The XXXX, XXXX and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 

XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021