davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (FL)

Subject : Complaint Regarding Chase Banks Refusal to Process Valid Dispute Dear Sir/Madam, I am writing to file a formal complaint regarding Chase Banks handling of a credit card dispute I filed. I had booked a weekend getaway for XXXX XXXX XXXX through the official booking service on XX/XX/year> to XXXX  XXXX XXXX to XX/XX/year> booking number XXXX. Unfortunately, I became ill and had to cancel my trip. I contacted the XXXX XXXX  booking service on XX/XX/year>, and I spoke to a representative named XXXX, who assured me that my reservation would be refunded to my credit card. XXXX also sent me an email confirming the cancellation and refund ( please see the attached copy of this communication ). 

Weeks went by, and I did not receive the refund on my credit card. I contacted the hotel again, only to be told that I should file a dispute directly with my credit card company, Chase Bank. I did as instructed and submitted my dispute, along with the confirmation email from the hotel. 

To my disappointment, Chase Bank has refused to proceed with the investigation or refund my money. I contacted the hotel again, but I was informed that XXXX is no longer with the company, and they are unable to assist me further. Now, my case is in limbo, with neither the hotel nor Chase Bank willing to take responsibility. 

Despite providing Chase with the hotels cancellation email as proof, they are still refusing to process my dispute. I find this completely unacceptable and would appreciate your help in rectifying this situation. 

I kindly ask the XXXX XXXX XXXX  to intervene and assist in resolving this matter, as I have made every effort to follow the proper channels, and I am still left without the refund I am owed. 

Thank you for your time and assistance.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: FactorTrust, Inc. (FL)

I attempted to place a credit freeze online but was unable to do XXXX. I would like to request a security freeze on my credit file effective today in accordance with Section XXXX of the Fair Credit Reporting Act ( FCRA ) ( XXXX U.S.C. XXXX ). 
MY NAME : XXXX XXXX. 
LAST NAME : XXXX. 
XXXX : XX/XX/year> NSS : XXXX SECURITY FREEZE
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

Dear Sir/Madam. 

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. and section 604 of the fcra. Section 602A states I have right to privacy, section 604A Sec 2 it states a consumer reporting agency can not furnish an account without my written instructions.

1681c. ( a ) ( 5 ) Section states no consumer reporting agency may make a consumer report containing any of the following items of information any other adverse items of information other than records of convictions of crimes which and dates 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. 

Account XXXX XXXX XXXX  : # XXXX Account XXXX XXXXXXXX : # XXXX Account XXXX XXXXXXXX : # XXXX Account XXXX XXXXXXXX : # XXXX Account Discover : # XXXX Account XXXX and XXXX : # XXXX Account XXXX XXXX XXXX : # XXXX Also the inquiries listed below were not authorized : XXXX, XXXX XXXX, XXXX XXXX, XXXX card, XXXX card, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX has violated my rights.

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. 

I appreciate you dealing with this situation,
Consumer complaint received 2024-09-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO. (NJ)

Documentation for Dispute : Name of the merchant : XXXX XXXX Transaction Amount : XXXX Date of charge : First charge on the card ending XXXX on XX/XX/XXXX, second charge on card ending XXXX on XX/XX/XXXX. 
Reasons for re-opening dispute : There is duplicate charges are XXXX different cards for the same flight. 

I feel like I am have been running in circle with no help from XXXX and Chase to resolve this issue, which I thought was a very straight forward issue. 

I am writing to open up the dispute that I have opened recently for the XXXX XXXX card ending in XXXX. There is a double payment that I have made to XXXX for the same flight, which I have confirmed with the XXXX Agent that it is indeed a double payment for the same flight ( Confirmation Number : XXXX ). 

As of Today XX/XX/XXXX, I have already contacted Chase Support multiple times ( XXXX for the Sapphire Preferred card ending in XXXX and XXXX for the Business Preferred card ending in XXXX ), and have contacted XXXX XXXX both with the call agent and the online support agent, which resulted in no refund, no conclusion, and was told to contact my financial institution, in this case Chase. 

Although Chase has contacted XXXX, XXXX gave them contradict answer to what they told me what I called. For example, XXXX told chase that the tickets that I have purchased are XXXX separate tickets ; However, when I called XXXX and gave them the confirmation number, I was told that they do indeed see that I made a duplicate payments for the same flight, but because I opened a dispute previously, they could not refund me until the dispute has been closed on Chase end. 

I have email proof, credit card statement proof that I have paid twice, on XXXX different chase credit cards, for the same flight. 

Attached, you will " XXXX XXXX XXXX '' and " XXXX XXXX XXXX '' that is from my credit card statement. In addition, you will find the emails that I received from XXXX XXXX, which resulted in no resolution. Finally, I provided my second purchased ticket from my email, which totaled to {$1000.00}, which is twice the original payment of {$500.00}.
Consumer complaint received 2024-09-14
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TOWNEBANK (NC)

I opened an account with TowneBank in XXXX XXXX NC on XX/XX/XXXX, money market XXXX with the proceeds for the sale of my house, I made sure to tell Operations Manager XXXX XXXX that I was parking the money until I had my passport then I would be flying down to XXXX and buy a beach house. Im down here now and the bank is balking at sending the money to my XXXX bank I want {$240000.00} and they only want to send me {$10000.00} per month. Ive spoken with other expats here ; they have had no problems like I am having
Consumer complaint received 2024-09-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (OH)

So a cashier check was made out to me from my girlfriend and we both went to the bank to get it made and I deposited it in the same bank it was made with her next to me.. 

Days later I tried to pull a small portion out and it said my account was restricted.. 

So I went to the branch and they said we have to be validated by our phone numbers .. mines was Valid But some how her Number didnt validate but she had he number for years and its been connected to her Actual Name .. now I got 8 days before they close my account and take all of my money it done make sense. Im validated why am I goin thru this I really need help my savings is in my account I have nothing right now..
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (SC)

XXXX XXXX XXXX XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-09-15
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc ()

Complaint ag

ainst PayPal for Unfair Account Limitation and Withholding of Funds. I am filing this complaint against PayPal for unfairly and permanently limiting my account and withholding my funds of {$XXXX} for XXXX  days, despite my full compliance with their documentation requests. 

On XX/XX/year>, PayPal placed a temporary limitation on my account and requested documentation to explain the source of my funds, stating it was to " improve my PayPal experience. '' I provided extensive documentation regarding multiple transactions, including those from years back. Despite the effort required, I fully complied. 

However, immediately after submitting the information on XX/XX/year>, PayPals automated system returned a permanent limitation verdict within less than a minute, raising serious concerns about whether my submission was properly reviewed. I was informed that my funds would be held for XXXX  days, and that I could only withdraw the money after this period. 

I believe PayPal 's actions are not only unfair but also illegal for the following reasons : XXXX. No Violation of PayPals Acceptable Use Policy ( AUP ) : I have not violated the XXXX, and PayPal has not provided clear reasons for this permanent limitation.

2. Improper Review Process : The documentation I submitted was extensive, but PayPals system reviewed it in less than a minute, suggesting my submission was not properly evaluated. 

XXXX. Withholding of Funds : The 180-day hold is excessive, and I am concerned I may not be allowed to withdraw my money even after this period, as seen in other user complaints. This is unlawful withholding of funds.

Resolution Sought : I request either reinstatement of my account or immediate access to my funds total to {$XXXX}. I also ask PayPal to provide a clear explanation for their actions. 

Thank you for your attention. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-09-17
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 (TX)

I am writing to express my frustration regarding the challenges Ive encountered while using my American Express gift card, both online and in-store. 

When attempting to use the card for online purchases, I was informed by a customer service representative that the card is only accepted on websites that request the CVV code. This severely limits its usability, as many major retailers, including XXXX, do not ask for this information, preventing me from using the card on those platforms. 

Additionally, Ive experienced difficulty using the card for in-store purchases. The card only allows transactions for the exact balance remaining, and Im unable to split payments between the card and another payment method when the balance is low. This further limits the cards flexibility and convenience.
Consumer complaint received 2024-09-17
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Continental Finance Company, LLC (FL)

Continental Finance is stealing money from my checking account. I fell behind in payments due to an injury. Unfortunately I didn't notice until today when I noticed a {$76.00} pay by phone charge being processed without my knowledge or consent. Upon further investigation into my bank statements, I see this is the 4th time Continental Finance has stolen money from my checking totalling {$180.00} without my consent or knowledge. They disguise such thefts as a pay by phone payment when I never called them on any of these 4 occasions to pay them, never logged in to make payments or made payments in any form or fashion and planned to catch up when I could. I never received a bill or any notice whatsoever about this happening or a monthly bill to even reflect such payments and balances. I'm not aware of any court orders or anything like that, that would allow them to do this. 

I want this money back in my account, I want a bill sent to me like normal businesses send, and if my rights have been violated under the fair credit reporting act or any other laws broken violating my rights, I want the account closed and zeroed out with no negative credit reporting. 

I see they have done this to at least one other person and they made a complaint on this site as well but the end result was conveniently hidden from public view.
Consumer complaint received 2024-09-15
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: DISCOVER BANK (CA)

I am writing to formally lodge a complaint against Discover for their mishandling of a dispute and their refusal to address my concerns despite numerous attempts to resolve the matter directly with them. 

I have contacted Discover dozens of times over the past month via phone calls and online chat, and they have consistently ignored me. In fact, Discover has transferred me a total of 32 times during this period without providing any resolution. At this point, they have completely stopped responding to my chat messages and continue to transfer me when I call. 

Issue : I am disputing a transaction where the merchant falsely claimed to have issued a refund of {$28.00}, which was never actually refunded. Instead, the merchant misrepresented the situation. 

Here are the key facts : I initially added {$100.00} to my account balance for future purchases. 
I withdrew the remaining balance after deciding to stop using the merchants services and dispute the charge. 
The merchant falsely claimed that a {$28.00} refund was processed. However, this was not a refund but rather a withdrawal of my own funds. 
Although a Discover representative issued a partial refund of {$11.00}, they informed me that the merchant claimed the remaining amount was allocated to a different order, which is not accurate. 
My communications with the merchant clearly show that they refused to issue a refund. 
Furthermore, Discover 's representative admitted that their system shows no proof of the order or refund, which points to the merchant being dishonest. 
I have provided Discover with evidence, including email receipts and documentation from the merchants website, that clearly demonstrate the {$28.00} was a withdrawal of my funds, not a refund. Despite this, Discover refuses to properly address the dispute. 

Discovers Inadequate Handling : Discover has failed to provide an explanation for why my dispute was declined. 
I was assured by one of their customer service agents that my case was valid, and that the merchant had not provided proof to counter my claim. 
Despite this assurance, the dispute was declined, leaving me without my rightful refund. 
This mishandling has been extremely frustrating and stressful. I believe I am entitled to my money back, and Discovers refusal to assist me is unacceptable.

Resolution Requested : I am requesting that Discover : Re-review my case immediately, considering the evidence I have provided.

Process the full refund for the disputed amount of {$28.00}, as this is clearly not a refund but a withdrawal of my funds.

Provide a detailed explanation of why my valid dispute was declined, despite assurances to the contrary.

I ask that this matter be escalated and reviewed by a manager, as the ongoing lack of assistance and responsiveness is highly concerning. 

Thank you for your attention to this matter. I hope for a prompt and fair resolution.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (GA)

my identity was stolen. My personal information, my cedit cards have several unauthorized charges, i have so many late reporting 's trying to fix this, there's charged off accounts that's not mines, address thats not mies and mych more- I was involved in multiple data breeches of : XXXX, XXXX XXXX XXXX XXXX and another I cant remember. I have received letters to place fraud alerts on all my reports which I will be doing asap. FTC filed -case # XXXX. I have letters from those companies mentioned. Seems ths has been going on since 2017
Consumer complaint received 2024-09-16
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY (GA)

Ive had a credit card with American Express for several years, and during that time, Ive consistently charged varying balances to the card and for the most part of this year, Ive always paid them in full each month. In many cases, due to work-related travel expenses, Ive had to make multiple payments in a single month to ensure I had enough available credit for plane tickets and other expenses. On some occasions, I even had to pay more than the credit limit ( {$3500.00} in a month ) just so I can book a plane ticket for work, fully demonstrating my commitment to staying within my credit limit and managing the account responsibly. 

Despite this, American Express recently charged an {$680.00} fee to my card, which caused my card to go over the {$1000.00} credit limit. This fee pushed my account over the limit by roughly {$600.00}, even though I was under the limit before the statement date ( both of which were paid off in full by the statement date ). As a result of this over-limit situation caused by the fee, both XXXX and XXXX Bank reduced my credit limits on multiple cards, directly citing this incident with American Express as the reason. American Express has refused to increase my credit limit despite my excellent payment history and clear demonstration that {$1000.00} is not enough for this card. ( See statement from XXXX demonstrating this ) I have repeatedly requested a manual review of this card and tried to transfer credit from other cards ; however, I get told its algorithmically determined and theres a system error respectively. 

I have also pointed out that I pay tens of thousands of dollars to other Amex cards every month and I have excellent history and Amex refuses to take that into account because XXXX an XXXX on at least XXXX of the cards. 

This situation has seriously negatively impacted my XXXX XXXX and financial standing, and I believe American Express 's actions were unjust and harmful.
Consumer complaint received 2024-09-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NJ)

I am writing to formally escalate a complaint regarding PayPals handling of an unauthorized charge, as well as the extremely poor customer service I experienced. 

On XX/XX/XXXX XXXX PayPal processed a charge of {$29.00} to XXXX, which I did not authorize. After disputing the charge, PayPal declined my dispute and deducted {$29.00} from my account balance. I then checked with XXXX, and they confirmed that no such charge was made, meaning PayPal took money from my account for a transaction that never occurred. 

On XX/XX/2024, I called PayPal to confirm my understanding of the situation. The agent I spoke with rudely confirmed that PayPal insists the {$29.00} was paid to XXXX, with no mistake in my payment history. The agent repeatedly spoke over me, refused to escalate the matter to a manager, was dismissive of my concerns, and continually repeated facts I was already aware of without addressing my actual issue. 

This experience was incredibly frustrating, and PayPals refusal to resolve this issue has led me to believe that the company has stolen my money. I expect this matter to be addressed immediately and for the {$29.00} to be refunded to my PayPal account. 

Please investigate this matter properly and escalate it to the appropriate department, as I have already been met with unacceptable customer service
Consumer complaint received 2024-09-14
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I am a victim of identity theft. An identity thief used my personal information to execute a loan with XXXXXXXX XXXX XXXX on XX/XX/XXXX, Although the fRAUDULENT LOAN WAS REMOVED FROM ALL 3 CREDIT REPORTS BY XX/XX/XXXXXXXX XXXX XXXX XXXX threatened to steal my home for payment. The FBI defines housr stealing as indentity theft and mortgage fraud. I've attached my theft affidavit abd FTC identity theft report.