davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-25
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. (WA)

I am writing in response to COMPLAINT ID XXXX and to request a further response from Chase Sapphire on this matter. 

The company 's response to this complaint states that the onus is on me, the cardholder, to contact the merchant about the canceled reservation, but this is precisely what I did in XXXX, as noted in my original complaint. When this flight was canceled due to inclement weather, I contacted the merchant at the number they provided, XXXX XXXX, which is how I learned that the airline had no record of my reservation, that they did not have a credit for me because the ticket was canceled prior to the storm, and that I was the victim of internet fraud. I contacted Chase immediately upon learning this to keep the transaction from going through. Is Chase contending with its response to this complaint that this isn't a fraudulent transaction because consent was given? If Chase is the only party with access to this merchant 's real contact information, has the company really done all it can on its cardmember 's behalf? 

It's apparent from the details provided in Chase 's written response to my complaint that bad actors are all too familiar with the narrow and inadequate scope of Chase Sapphires " fraud '' policies, and they use this knowledge to scam customers without penalty or recourse. Knowing this, Chase 's response to my complaint means -- in the worst case -- that Chase Sapphire is complicit in this kind of internet fraud. ( And pays its customer service staff to defend these fraudulent transactions all the way to the CFPB. ) In the best case, Chase 's response means that they value my account, which I've had with them since 2015, at less than {$300.00}. 

I'd like a written response from Chase as to whether their decision in this complaint reflects a formal policy of turning a blind eye to internet fraud when it's reported by their cardmembers, or if they simply deem the lifetime value of my account at less than the {$300.00} I'm asking to rectify this matter. Perhaps it's both. I look forward to the company 's written response before closing my account. Thank you.
Consumer complaint received 2022-01-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (NY)

I am writing to express my dismay ( and helplessness! ) upon discovering that since Friday XX/XX/2022, Citibank has blocked access to my checking account unceremoniously, without even bothering to notify me via email, phone call or text. 

For the record, as of Thursday XX/XX/XXXX, no issues were present and I still had access to my checking account online. To my surprise, as I logged into my checking account early on XXXX XXXX, I was shocked to discover that my checking account was totally off limits. 

Prior to my account been blocked, there was no indication whatsoever that my login credentials had been compromised, nor that an unauthorized person was trying to get access to my bank account. 

Not to mention the fact that, as a law abiding citizen that has never been involved in any type of illegal activities ( such as money laundering, writing bad checks, etc ), I do not owe any money judgements, student loans, nor do I owe any state or federal taxes. 

What's more concerning about this situation is that Citibank never bothered to contact me to inform me of any unusual activities on my account, or that my account was about to be blocked pending an investigation. 

I contacted customer service immediately via phone and social media ( XXXX ), and was told that the investigation unit that was responsible for blocking my account and that, since this is a holiday weekend, I had no other option that to wait until Tuesday, XX/XX/XXXX, to get in touch with someone from that unit to try to solve this issue. 

That means that I won't have access to my checking account for almost 5 days, with all the inconveniences that this entails. 

Needless to say, I am taken aback by the fact that a bank has the power to arbitrarily block a client 's account ( a good standing client at that! ) at any time without so much as a courtesy warning or notification. Is as if my primary checking account is been held hostage by Citibank without cause. 

What's more, I should have been notified if there was any suspicious activity taking place- which I wasn't. 

Again, I am surprised that Citibank, without so much as a courtesy notification, can block a customer from accessing his own money without cause or previous warning. 

I repeat : there's been no notification from Citibank that my account had been compromised, under investigation, or that suspicious activity was taking place. 

It's unconscionable that a financial institution can behave in such an egregious manner, imperiling someone's financial standing and highjacking my hard earned money without any consideration whatsoever. 

I would really appreciate if your office could help me unblock my checking account and investigate why Citibank decided to block my account without cause and in such an arbitrary way. 

This should not be happening to law abiding citizens! 

Thank you in advance for your consideration.
Consumer complaint received 2022-05-19
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: GOLDMAN SACHS BANK USA (CA)

Dispute case number : XXXX Transaction date : XXXX XXXX, XXXX  Merchant name : XXXX Disputed amount : {$4900.00} This order was received on XX/XX/2021 tracking number XXXX. 

The item was received damaged and turned out to be a counterfeit XXXX  product. 

The title of the listing was advertising as a XXXX XXXX when the item that was received turned out to be a XXXX  build with a counterfeit install of XXXX XXXX. 


I have attached the XXXX proof of delivery showing the original sender 's address. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX I requested a return label from the seller, I returned the original order via XXXX on XX/XX/2021, and the seller received it on XX/XX/2021. ( attached is the proof of delivery ) The seller has a XXXX return policy, and XXXX returned window closed on XX/XX/XXXX. 


The return was received well within the return window and I have never received a refund from the merchant. 



I disputed this with Apple Card and they are not even requesting evidence from the merchant nor are they providing me with a detailed response from the merchant or written explanation of their findings. 



there are currently multiple online incidents of Apple Cards unfair dispute process to consumers there is currently a class-action lawsuit being formed. 

XXXX XXXX XXXX
Consumer complaint received 2022-10-06
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$260000.00}
Consumer complaint received 2021-04-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (IN)

Both my Company and personal accounts were totally cleared out with a " order '' rhat was not signed by a Judge or ordered by a court. 

IThe " request to Levy '' was completed by a Attornet and recorded by the Court as " Received ''. Chase Bank froze our funds asnd sent to our creditor without Court orders.

I took copies to the branch and spoke with Chase bank legal and showed them the paperwork. Also called the Clerk of the court on speaker any varified no order had been approved.

Two weeks later, Chase maintains they did what was correct, when in fact they acted too quickly. Our Attorney was settleing the debt.

Now our IRS Payment was returned, payroll, ect. IRS Deposit was taken and escrow account was taken.
Consumer complaint received 2022-05-19
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. (CA)

XXXX reported me late for XXXX & XXXX of XXXX to the 3 major credit bureaus. I was not late. I disputed the adverse reporting multiple times & XXXX XXXX XXXX XXXX, has refused to update the reporting. The adverse reporting dropped my fico score thus preventing me from being approved for a home loan. I was late in XXXX of XXXX, but was told that the adverse reporting would not be reported due XXXX not reporting to the major credit bureaus from XX/XX/XXXX- XX/XX/XXXX due to a major system issue and update. 
Per the XXXX instruction page, " If you have concerns regarding information about your XXXX XXXX XXXX account, please contact our Customer Service team at ( XXXX ) XXXX. '' I've called 3 times, the 1st CS placed a dispute, ( this was in XXXX can't recall her name ) the second attempted to connect me to the credit maintenance dept ( XXXX XXXX but she was told " since XXXX couldn't report during those months they used another month even if I was current in that month and therefore they won't update the adverse reporting. I spoke to a manager ( XXXX XXXX who placed another dispute. She requested they update, XXXX of XXXX to reflect as late and the adverse reporting for XXXX to be corrected as, " paid as agreed. '' This is unfair
Consumer complaint received 2022-08-24
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. (IL)

I've tried over 5 times to get these people to take these accounts that aren't mine off my reports. My purse was stolen and all my information was taken and used by ppl. I haven't been the same since.
Consumer complaint received 2022-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: EQUIFAX, INC. (CA)

Hello CFPB, The address that is currently displaying on ALL of my credit reports is WRONG, incorrect and is a potential serious identity fraud risk! 

I'm hoping you can help me with fixing the address that is showing on all of my credit reports. 

My current and correct address is : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, XXXX XXXXXXXX I have lived at this address for over 2 Years, so I don't understand why the information is displaying incorrectly on my credit report. 

I want to assert my legal right for 100 % of the information on my credit report to be fully accurate. I don't know the law or FCRA statute that protects this legal right, But I know it exists. 

I am quite concerned to get this fixed ASAP. 

I have sent multiple letters to the Credit Bureaus requesting they correct my address. 

To date, they have NOT corrected the problem. 

I request that ALL Credit Reporting Agencies, ( including what many people call the sub-bureaus or data furnishers ) to immediately correct my address ... OR ... if they are not able to display my current address correctly due to a limitation of their technology systems... 

... Immediately remove ALL addresses that do not EXACTLY MATCH this one. 

I would rather have NO address listed at ALL on my credit report, than to have the wrong address listed! 

My current and correct address is : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, XXXX  XXXX There is a similar address in the neighborhood that is NOT CORRECT aka XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NOT CORRECT. 

I will attach a PDF which includes documents which clearly show my current and correct address : My State Drivers License, Apartment Rental Agreement/ Lease 2 Bank Statements Voter Status Car Insurance I have experienced that computers often auto-populate MY address incorrectly, miss entering the address, aka not including the " XXXX '' in the number, OR the city of XXXX XXXX XXXX My apartment is in XXXX XXXX. 

Please understand that my correct address MUST include " XXXX '' and XXXX XXXX, as listed on my identification documents, otherwise other people receive my personal mail. This could lead to other people stealing my identity. 

Please also remove ANY and ALL Phone Numbers listed on my credit report. 

Please correct these issues Immediately. 

XXXX XXXX
Consumer complaint received 2022-05-19
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. (AL)

EQUIFAX, XXXX, XXXX IS SHOWING A ACCOUNT ON MY CREDIT FILE REPORTED FROM XXXX XXXX FOR XXXX XXXX IN XXXX XXXX XXXX XXXX  FOR {$5200.00} WHICH IS OR WAS A EVICTION THERE IS NO WAY A PROPERTY MANAGEMENT COMPANY IS OWED THIS AMOUNT AND IT IS NOT A EVICTION. I CALLED DOWN TO THE XXXX XXXX JUSTICE COURT THAT HANDLES THE EVICTIONS AND GAVE MY NAME AND SOCIAL SECURITY NUMBER AND WAS TOLD THERE IS NOTHING IN XXXX XXXX FOR A EVICTION OR DEBT OWED IN MY NAME. I AD DISPUTED THIS DEBT LAST YEAR PLEASE REVIEW THE COPY FROM THE JUSTICE COURT AND REMOVE FROM MY CREDIT FILE IMMEDIATELY!!!!!!!!!!!! This is fraud and not my debt!!!!!!!! According to XXXX XXXX XXXX this is a old charge off eviction debt that was turned over to collections. Not mine!!!!! Fraud!!!!! Please Remove!!!!!!!
Consumer complaint received 2022-01-18
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (DC)

On XX/XX/2021, I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2020-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: I.C. System, Inc. (AL)

On XX/XX/XXXX, XXXX XXXX XXXX XXXX was informed by the attached Dispute Letter that the {$190.00} charge was incorrect and they should not report my account delinquent. They then sold my {$190.00} " collection opportunity '' to I C Systems Collections who then reported my account as delinquent in XX/XX/XXXX ( SEVEN YEARS LATER ). Luckily I kept the original Dispute Letter.
Consumer complaint received 2020-02-12
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 — Problem with personal statement of dispute
Company: SECURITY FINANCE CORP (TN)

I requested removal of an old account listed on credit report that was more than 7 years old. The dispute results were that the account was accurate, which I never disputed, and would remain on my credit report. No response from company when trying to contact directly, since I used to work for them. I just want them to delete account since was from XX/XX/2010.
Consumer complaint received 2019-07-30
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (GA)

Navient has no payment options that are according to my income or realistic. I only make around $ XXXX a year and already have federal student loan debt and needs to survive and cant afford the payments that are nearly double the cost of my rent. 

I told Navient this and they said that Id have to pay for temporary forbearance that wouldnt go towards my balance and after forbearance my payment and balance would be even higher. 

I just cant afford the payments. Realistically payments of over {$1300.00} is just not possible at all.
Consumer complaint received 2016-04-20
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (PA)

I contacted Bloomingdales credit about charges on my account that were not by me ( fraudulent ). They responded on XXXX/XXXX/2015 with a letter asking me to fill out a fraud claim form. I did and have been given the run around ever since. The matter has still not been resolved and I have called every 2-3weeks. They have said they are still investigating, they said my claim fell through the cracks and they are working on it now, they have said I will take another 1-2 billing cycles to resolve it. Every time I call, it 's the same story. 
I contacted XXXX and they had me fill out a police report for Identity Theft and they would help me. However, Bloomingdale 's is giving them the same run around as they give me. 
In the meantime, I have bill collectors calling me and sending me threatening letters. I call every time and explain the situation and they promise the calls will stop, but they do n't. Most importantly, my credit score has dropped from XXXX to XXXX!! I am at my wits end and do n't know what to do next. Please help- however you can.
Consumer complaint received 2021-12-09
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: SYNCHRONY FINANCIAL (TX)

On XX/XX/2021 I purchased a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  for {$960.00} order # XXXX. I used the machine for the first time in XXXX and discovered the machine did not work. The products would not freeze. I contacted XXXX XXXX by phone and email in XXXX ( correspondence attached ) and provided them with pics and video as they requested. My issue was not resolved, and I asked for a full refund of funds, and was told by XXXX XXXX I would have to pay to have the unit shipped back. I obtained a quote and the quote as over {$600.00} to have the unit shipped back, which I believe was excessive and not fair as a consumer. I then asked for the manufacturer warranty since the machine should be covered under those warranties and received nothing. XXXX XXXX provided me with a defected product and wants me to be over half the cost to get it shipped back to them, without providing any additional solutions. This is not fair and this company should be investigated. I disputed this information through PayPal, and advised them to have XXXX XXXX send me warranty information but they did not. They closed the account, because I didn't provide the tracking information confirming I shipped the product back for over 600 which I informed PayPal and XXXX I could not afford to do.
Consumer complaint received 2022-08-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Tower Loan of Mississippi, Inc. (AL)

I mailed letters to Tower Loan at XXXX XXXX XXXX XXXX, XXXX XXXX, AL XXXX on two separate occasions : XX/XX/22 and XX/XX/22, yet a XXXX continues to call my phone, my work place, my mother, my sister in law and my husband DAILY from XXXX. She merely states that she needs to speak with me, as if she is a friend of mine. This is very misleading and I feel as though it is both unethical and fraudulent to be posing herself as someone who knows me personally. The letters plainly informed this debtor that I was being represented by XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX AR XXXX and my attorney XXXX XXXX XXXX at XXXX. She has continued to ignore my letters and keeps calling XXXX, to XXXX XXXX of harassment for my employer, my mother, sister in law and husband. My letters gave them all the information they needed in order to cease and desist all communication with me and to ONLY communicate through my legal representation.
Consumer complaint received 2020-02-12
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ray Klein, Inc. (AZ)

In XX/XX/2019 I called XXXX XXXX of XXXX to ask if they were in network for my insurance, XXXX XXXX XXXX XXXX because my physician told me I should go to the emergency room. XXXX said that they were in network which meant they would accept what the insurance paid them and an additional co-pay of either {$35.00} for urgent care or {$100.00} for an ER visit. 

After I was treated and XXXX collected more tan {$1700.00} from my insurance company I learned that they had lied about being in network and subsequently began billing me {$210.00}. I contacted them and told then that I should only be billed for the {$35.00} copay since I was not admitted to the hospital. ( it is not my fault that their employees do not know what they are doing and are poorly trained and give out wrong information -- or that they instruct their employees to lie so as to make more money. ) They refused and threatened to put me in collections. That threat was obviously not and idle one.
Consumer complaint received 2019-07-30
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. (NJ)

THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
Consumer complaint received 2020-02-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: CITIBANK, N.A. (OH)

I had my student loans with Citibank prior to XXXX when I started my XXXX  job until XXXX when I switched to a different loan company. Between XXXX and XXXX I had several conversations with Citibank representatives confirming my status in the PSLF program. Each time Citibank representatives reassured me that my loans were eligible for the PSLF program and there was nothing needed further on my part. It wasn't until XXXX when I learned that my loans weren't in fact eligible for the PSLF program because of the type of loans they were. I have lost out on several years of eligibility toward loan forgiveness due to the incorrect information provided by Citibank Staff.