davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-01
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)

On XX/XX/2018 I booked a car rental through Chase Sapphire Ultimate Rewards program. In this transaction I booked a car rental through XXXX  for which XXXX points were redeemed. I received an email confirmation stating that the booking had taken place, and that {$0.00} would be charged to my card. I can provide the email as needed. 

On XX/XX/XXXX Chase charged for this transaction vs applying more rewards. 

Shortly there after I called chase to notify them the charge was incorrect being as the transaction was completed using miles, at which point I provided Chase with a copy of the email, the date, the confirmation date etc. 

After several months I received notification from Chase that they could determine the charge was incorrect and that XXXX had provided them with confirmation. At no point did they actually look at their own internal records to see that reward points were used, instead the moved the situation along under the premise that I was disputing the charge from XXXX rather than I was disputing that Chase had not applied the reward points. 

I filed a complaint with the better business bureau on XX/XX/18 which was forwarded on to Chase. Yesterday XX/XX/XXXX I received an email from Chase stating they looked into the matter and came to the same result stating XXXX had shown proof of the charge vs. applying the reward points. 

XXXX I contacted the Chase rep to notify them of my frustration, and let them know I would be submitting to CFPB, and would also be seeking legal council.
Consumer complaint received 2018-08-01
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: BlueChip Financial (WA)

On XX/XX/XXXX I filed a complaint against XXXX as I was reciving threatning calls from the debt company they sold my supposed debt to. I was contacted by XXXX on XX/XX/XXXX by XXXX XXXX a debt credit manager stating they were in the process of buying the debt back and marking it as paid in full, I still have all emails. Here we are XX/XX/XXXX and I just recived a email from XXXX XXXX XXXX XXXX stating I must pay half of the orgional debt of XXXX. Now spotloan has told me multiple times this account is marked paid in full and closed. But yet they tend to try and sell my loan every few years now. This is harassment and is affecting my life at work and home.
Consumer complaint received 2023-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (LA)

Equifax is reporting inaccurate incomplete information to my Credit Report. When I informed them they hang up and give the run around. 
I have also contacted the furnisher and opt out of data they are reporting to these agencies. 
There should not be any transactional history reporting on my consumer report. 
I have never been late paying this account. 
Equifax has arleady been notified and refused to delete.
Consumer complaint received 2023-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP (MI)

Cardmember Service/Elan Financial Services XXXX XXXX XXXX XXXX, XXXX, ND XXXX XXXX sent me a letter on XX/XX/2023 indicating that they were closing my credit card " in accordance with the terms of the Cardmember Agreement ''. I called several times ( XXXX XXXX XXXX is the number ) during the month of XXXX culminating in a final call with a XXXX named XXXX at her number XXXX XXXX XXXX on XX/XX/2023 who told me the same message that I have been getting all along : the card was cancelled in accordance with the cardmember agreement. NO one has been able to tell me why. I just want a reasonable explanation. I have always paid the card balances over the many many years I have had the card and I use the card almost exclusively for every expense I have. The cancellation will be a huge imposition as it has been entrenched in my financial life for every form of payment and service. I locked my credit a decade ago so applying for another card will be next to impossible. Furthermore, the card provides cash back and i spend in excess of $ XXXX with business travel on this card. I don't understand why it was cancelled and no one at Elan will give me a good reason.
Consumer complaint received 2023-04-25
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXXXXXX XXXX XXXX # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I need these accounts removed as they are in violation of the 1099.. a charge off is supposed to be charged as ordinary income.. so it is illegal for this to be on my consumer report. XXXX has removed these accounts now I need you TransUnion and XXXX to delete these following accounts : XXXX XXXX XXXX BANK XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX bank XXXX This is aggravated identity theft! 
18 U.S. Code 1028A - Aggravated identity theft
Consumer complaint received 2024-10-01
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Yes i have deposited a coupke check i the account. 1 was retured because i was scamed. The other 2 cleared. They restruceted my account for some time now. I submitted the proper documents and even drove 45 miles to there office to try and fix this. I called in one morning and they finnally said the the accout was unrestricted. So i get in my vehicle and drive to the nearest bank of america. Once i got there i went to their atm and tryed withdrawing XXXX $ and it got denied so i called them back up and the restrictedy account again and they have to re reveiw the acount. This has been ongoing for about a month now. We just got hit by that hurricane and fiunds are needed.
Consumer complaint received 2023-04-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (PA)

My bank account was closed for a verification issues I have sent my driver license pictures of my face they still refused to open the account. On XX/XX/XXXX the account was closed and I was told I would be issue a check out. I reach back out to the bank. They said they would not be sending me any money because of some guidelines
Consumer complaint received 2018-08-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (NJ)

on XX/XX/XXXX. I put a payment thru to a private party that I found on " XXXX '' for a private camper Rental. Per the owner request ( or so I thought ) they informed me that they had trouble or it took too long for them  to get their money from XXXX. 
" okay good, you can pay through paypal.this the paypal ; XXXX '' After I sent the Payment thru PayPal as I found PayPal to be Secure, I wanted to double check something on the Camper the camper was removed from the site. 
I emailed the so called owner and their response was " Yes all the rv listed on site are all gone for reservation and the one you booked for. '' This threw a red flag to me and I called PayPal to cancel the transaction. They let the transaction go thru. 
Now I have to do a dispute with the Credit Card Company. I am the person in charge of that PayPal account that is MY money not theirs. When I say STOP a payment they need to do as I said. I can not believe they let this go thru. 

XXXX was the complaint number. I'm very displeased that I could not stop a fraudulent payment. the email that is included with this whole mess that said they were the camper etc ... is XXXX XXXX
Consumer complaint received 2018-09-23
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA (TX)

From XXXX XXXX XXXX : Loan amount : {$28000.00} The lender, XXXX XXXX XXXX XXXX XXXX, the companies couldnt prove was owed. There were false and misleading documents. 

The trusts purchased and securitized my loan, and then sold notes secured by the loan to investors. The trusts have no employees but instead use service providers to interact with consumers about their loans. 

XXXX XXXX XXXX XXXX XXXX is engaging in unfair, deceptive, or abusive acts or practices or that otherwise violate federal consumer financial laws. 

XXXX XXXX XXXX XXXX Trusts are fraudulent, lying, and manipulative that use unfair collection tactics and will forge/falsify documents at will to suite their own needs. 

I am please asking that this loan be discharge based on falsifying this loan contract and transferring the information with out my consent and forged my personal information for payments to suit their own needs. 

I am please asking for someone to contact me about this matter asap. 

Thank you.
Consumer complaint received 2023-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (FL)

On XX/XX/2023 I contact CFPB in recording a issue with Discover Card about charges on my account that was not valid please refence CFPD case number COMPLAINT ID XXXX On XX/XX/2023 XXXX XXXX Executive Office of Customer Advocacy contact me by email saying they will look into the matter On XX/XX/2023.. I called into Discover because I had issue with using my card was told that my account was closed On XX/XX/2023 Received response from Discover saying that didn't provide information that I payed the merchant with a different in fact I provide them with info that I did and emails saying that they will refund me plus text message from merchant sayin they will. They say they looked into the matter but fail to say they closed my account in the process after i contact CFPB In which with they response they are causing financial hardship, emotional stress and damage credit from obtaining credit from other companies in the future
Consumer complaint received 2023-04-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with fraud alerts or security freezes — 
Company: Uplift, Inc (NJ)

I have been a customer of Uplift since 2021. I have had 3 loans and have always paid in full and never late. Recently, I have been trying to get another loan and it kept saying " Application information can not be verfied '' The customer service number is a scam and there is never an option to talk to a live person. I finally got an email from the fraud and risl department asking for my ID a selfie which I Provided. Then they responded saying I had to provide a selfie HOLDING my PAssport. This I thought was odd as no company has ever asked for this and I emailed back saying I would be happy to provide any other documents but that I wasn't comfortable holding my ID in a pic. Nevertheless, after no response I uploaded my passport again and A photo of me holding the passport. In the selfie, I blurred out my background as I took the pic at work and didn't want my background to show. 

After all this I get an email saying that they have disable my ability to use their services again. This is borderline discrimination, is it because I am XXXX? 

How can you never question MY identity- I have paid 3 loans on time and with good faith and now this company decides I am not who I am and that I can not use their services anymore. There is no live person to talk to. I feel like these decsions are made by a computer. I just want to be able to use a service I have used in the past and with good results. I think being disables is extreme and uneccesary. I have never filed a fraud claim, I have never said I had issues with UPLIFT, why are you now saying you can't verify me. After 3 years of being a good customer that is ridiculous.
Consumer complaint received 2023-04-25
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: BANK OF AMERICA, NATIONAL ASSOCIATION (DE)

BOA contacted me on XX/XX/XXXX with a fraud alert which let me know my identity and credit card accounts had been compromised. I immediately responded, cancelled the card, filed a police report and froze my credit. Then later that month the thief opened a BOA checking account in my name and on XX/XX/XXXX took a {$2100.00} cash advance from my BOA credit card and had that advance deposited into a new fraudulent BOA checking account that was opened in my name without my permission online WITHOUT an ID. I didn't know any of this had happened until I received a BOA Debit card in the mail on XX/XX/XXXX. I immediately drove to a BOA bank to close the fraudulent checking account and finally on XX/XX/XXXX the {$2100.00} was transferred from the fraudulent checking account back to the BOA credit card. Yesterday, over 4 months later I received a BOA credit card statement showing I still owe the {$2100.00} cash advance and now they are charging me interest on the advance that I never made. I have been through several rounds of disputes and am unable to get anyone at BOA to review the clear documentation and fix the errors that BOA has made and are still trying to charge me for. BOA treats victims like criminals. After being a loyal customer for 25 years, they have done nothing to protect my personal information, they have caused my credit scores to drop and they are fraudulently reporting the current balance that includes charges I never made to the credit bureaus while the disputes are still in review 4 months later.
Consumer complaint received 2023-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information ; Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc (TX)

on XX/XX/2023, i wen to a XXXX store and showed my paypal barcode to the cashier, handed her {$210.00} plus the {$3.00} fee ( in order to load the cash to my paypal balance, which i have done numerous times, and was given a receipt. The money was never added to my balance because paypal denied the load. I have not been told why the load was denied. I was given many different responses and excuses by paypal. XXXX says that once the transaction goes through and the receipt is printed, it is out of their hands. I am out the {$210.00}. I have read thousands of complaints online about this happening to other people. Imagine the billion each year collected through this method.
Consumer complaint received 2023-04-24
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. (CA)

15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report Please delete all other addresses except my current address, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above.
Consumer complaint received 2023-04-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/2023 I attempted to deposit two checks into my business account a check from XXXX XXXX  and I deposited them the incorrect way so Chase bank rejected the deposit so I sent the check back to the originator had them put my name on the check and she sent me back another check to deposit as well for services rendered from my company XXXX I have already had previous checks clear from this company when I called to inquire as to why I cant get some of my money, because this is a business and you have to keep running and if youre taking my money and holding it up there, I cant get things done so I spoke with a guy and he told me to give it till XX/XX/XXXX which is when the hold will come off I asked to speak with a supervisor as well to understand why this is the third time they have made my account go negative and they have not released the hold, so I speak with a supervisor and the supervisor asked me well why did the lady send me a check without my name on the check and I said that I except all forms of legal tendered deposits or payment for my services rendered and I did not have an answer for that. I told him to ask her and at that point he told me mm, were not gon na take the hold off. Nor are we going to clear your balance and release the hold on the checks so with that thats straight up discrimination because theyre not doing anybody else like that my account is still right now today- {$9500.00} when they have my money they have the check the money has been released from the other bank and theyre still choosing not to clear my account and give me the money that my client paid me. This is Chase Bank. Once they found out that I was XXXX things went very very sour and with thats when they hung up on me and I have not talk to anyone since I am planning on calling back this morning. That is my complaint
Consumer complaint received 2023-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Once again XXXX does not offer the capability of getting rid of wrong personal info. Error message comes up. They have screwed up my stellar credit rating royally. I can not get a positive answer for any credit card I never lived at an address listed. I have been divorced without the acknowledgment of this organization. How is this agency able to wield such authority without being overseen regularly. 
Just disgraceful.
Consumer complaint received 2023-04-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

The entire ordeal started with 18 charges to a fraudulent website starting last XXXX. It took multiple calls to customer service to try to dispute the charges and get adjustments. In the end there was only 14 of the 18 adjusted. Of the 14 adjusted all of the charges reapplied.

After multiple calls to customer service I was told it was because you needed additional information, and electronically sent a letter requesting it.

However, I have no access to such letters, and agin multiple calls to customer service couldn't explain why I didn't have access to the documents. Finally I was told computer error, but the charges couldn't be readjusted because I didn't respond ( to paperwork I never got ).

At this point, all I wanted to do was close the accounts, but wasn't allowed to do that either. So I decided to withdraw the funds. Nope, account locked, and again, multiple calls to customer serve ( which is a joke in itself ) resulted in nothing. 

So... 

XXXX. There's $ XXXX dollars in reward money that was supposed to be credited to the account which has just disappeared. 

XXXX. There are {$830.00} worth of charges to a fraudulent website, which neither you nor I can get in touch with that you wont adjust and wont re-dispute. 

XXXX. There's a checking and saving account with funds that you wont release.