davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (FL)

This letter is written regarding my request to once again dispute the credit card transaction, XXXX XXXX  ... XXXX CASE # XXXX Merchant : LXXXX XXXX XXXX XXXX  Order : XXXX Amount : {$440.00} Date of transaction : XXXX Reason : XXXX  XXXX Estimate date of delivery XXXX XXXX days The date of XXXX I sent the merchant a message through their website inquiring about the day the purchase will be delivered as there was no update on the status of the purchase. 

The items were delivered to my house XXXX, XXXX weeks after the promised date by the merchant. 

Not only this, but also when I opened the package, I noticed that the item as a whole was of a bad quality and a completely different item than the one promised in the merchants website. Moreover, the sizes were bigger than the ones showed by the merchant. 
On XXXX, I emailed the merchant in order to return the items and ask for a refund. As usual protocol, the website asked me for the reasons I wanted to return the items. However, once I explained to them the reasons for my dissatisfaction, they asked me once again what was wrong with the items, which I once again answered with the same reasons. 

Moreover, they asked me to take pictures of myself with the items and a measuring tape in order for them to validate my claims. I responded to them that their inquire made me feel extremely uncomfortable and unsafe, and to please just send me what I needed in order to return the items. They did not answer me back. 

After not receiving an answer back, I got in contact with the customer service provided at the Chase Bank and explained to them the problem that I was undergoing with the merchant. They informed me through a text message that I needed to get in contact with the bank once again. Following this information, I called Chase Bank again and they told me that they were already aware of the problem and that they were mailing me to my house paperwork I needed to complete and send back to the bank. I never received the paperwork, and once I called Chase Bank again for an update, they informed that the case was closed. 

I would be very grateful for any help that could be given in order to fix this problem that has been going on now you are accumulating the charges for late payments. 
I find no solution in sight. Best regards, XXXX XXXX XXXX Attached is the Letter I sent twice as well as Faxed to the Claims Department of Chase and I never recieved a confirmation that my documents were accepted or reviewed by the claims department.
Consumer complaint received 2024-08-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Skrill USA, Inc. (PA)

Skrill Transaction ID : XXXX Method : XXXX Date Submitted : XX/XX/year> XXXX {$700.00} Processed It was through a XXXX XXXX XXXX Once the money hot my account they closed it I contacted XXXX they said they paid out to skrill now what skrill does I need to take it up with skrill.. 

I've cashed out before and after this using my bank account my pulsz is still open there should be no issues with me accessing my money.. 
Contacted skrill and disputed they closed my account permanently today..
Consumer complaint received 2023-06-20
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: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-06
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc (TX)

On XX/XX/year> a fraudulent loan was taken out on my Affirm account in the amount of {$1600.00} from XXXX. I never made this purchase. Affirm has also been taking payments out of my bank account, my financial institution advised to contact Affirm so they can refund the payments they've been taking out from my bank account. Ive contacted Affirm numerous times without any response. Affirm just released a statement that personal info had been compromised as well.
Consumer complaint received 2024-08-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION (TN)

I bought a vehicle for {$7600.00} in XX/XX/year> and was told the payment would be {$200.00} a month. I have been making my payments for 9 months ( paying {$1800.00} in total ). I still owe {$6900.00}, so my loan after almost a year has only decreased {$670.00}. That means that 63.69 % of my payments have gone to interest!!!!!! I looked through my monthly payments, and I see that I am being charged interest every month on the ballance, as if it was a credit card. The interest charged each month is nearly as much as my payment, ranging from {$130.00} to {$200.00} every month! 

I also got a dud for a car that has had nonstop problems : battery went, alternator went, ac doesn't work since week 1, no radio, overheats constantly, radiator parts keep falling off, brakes were non existent and had to be replaced amongst other things and now it has a broken head gasket, so the engine is shot and the car is worthless, despite all the money I've put into the lemon I financed with this predatory lender. I had no idea what they were going to do with this interest being charged and added to my loan every month.

I will never get ahead on a car I can't even drive.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023
Consumer complaint received 2024-08-08
Product: Credit 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: Chime Financial Inc (IL)

On XX/XX/year> I was injured in a car accident in which my vehicle was towed. I had personal items in the car and my information such as debit cards, emails, phone and Id was compromised. I noticed a charge for {$200.00} on my statement. I thought it was XXXX XXXX An insurance company but turns out it was a travel agency. I reported the charge as fraud. I contacted the bank and merchant. After waiting my bank denied the dispute and the travel Agency refuses to refund my funds or provide me with a credit. I have not received a service or product and the charge is unauthorized. Both companies are leaving me in limbo and have taken my money
Consumer complaint received 2024-08-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I have observed that Citizens Bank has repeatedly rearranged my transactions in a manner that has led to countless overdraft fees. For instance, I have noted instances where deposits were processed after debit transactions, causing my account to be overdrawn and resulting in multiple overdraft fees. This manipulation of transaction order appears to have been intentional and has contributed to substantial financial hardship. 

As a result of these fees, my account was eventually closed. Furthermore, Citizens Bank reported me to XXXX, which has severely impacted my ability to open new bank accounts with other financial institutions. 

The handling of my account by Citizens Bank seems both unfair and detrimental. I have made several attempts to resolve these issues with your representatives, but the matter remains unresolved. I request a detailed explanation for the transaction reordering, a refund of all overdraft and associated fees, and an assurance that this information will be removed from XXXX. 

Please treat this letter as a formal complaint and provide a prompt response. I am eager to resolve this matter amicably and restore my financial standing. 



XXXX XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX [ Account Number ] ( if applicable ) -- - Feel free to adjust the details according to your specific situation.
Consumer complaint received 2024-08-08
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (NJ)

I paid my final bill, balance in full of this credit card company, but then they sent me another bill charging me interest on a supposedly balance that they created a fake/fraudulent balance? To still take more money from me even though I had paid my balance in full in my last bill, before they still send me this other bill they say is " Final '' to charge me still interests that does not exist, or make any sense because I paid the whole balance I had with this company in full, But they are still trying to defraud me, by charging me interest, when I already paid off my bill my full balance I had with them? This company is committing fraud against me as a consumer/customer? Creating and coming up with a balance when had already PAID IT OFF my full balance? 
This company is trying to take more money from me no matter what, I have never seen or been thru such a thing in my life, in which I PAY OFF a credit card and then have them still come up with a last bill charging me still interests on a fake balance they created just to take more money from me, I have paid off other credit cards in the past and never ever none of them send a final bill, charging interest only as this company is doing to me.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FIRST ADVANTAGE CORPORATION (TX)

I am writing to formally notify you of serious violations concerning the furnishing of consumer data that has come to my attention. As a secondary consumer reporting agency, you are required to adhere strictly to federal and state laws governing consumer credit and reporting practices. Your recent actions have violated these laws, specifically the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), and relevant case law, including XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX. XXXX. 

Under the FDCPA, any consumer reporting agency must refrain from disclosing information to third parties without proper consent, especially when such information is inaccurate or unverifiable. In this instance, your agency has furnished data that does not comply with these legal standards. 

Furthermore, the case of XXXX XXXX XXXX XXXX XXXX illustrates the consequences of failing to uphold these standards, highlighting the judicial recognition of consumers ' rights to accurate credit reporting. Your actions not only contravene established case law but also expose you to significant legal liabilities. 

According to the FDCPA, consumers may seek damages for violations, including statutory damages of up to {$1000.00}, along with actual damages, attorney fees, and court costs. The associated costs and potential liabilities from these violations can be substantial and detrimental to your agency 's reputation. 

Therefore, I hereby demand that you immediately cease all forms of communications regarding the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-08-08
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Spring Oaks Capital, LLC (TX)

This company is violating my rights and have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report. 
I have made numerous attempts to fix these issues directly with this company, but they continue to violate my rights ; therefore, I am entitled to {$1000.00} for the violation that is listed. I am requesting that either they pay me or delete this account immediately.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Bank of America mistakenly stopped the automatic payments that paid off the balance of my credit card every month in XXXX of 2023 without my knowledge or consent. This caused me to be late through no fault of my own. They submitted false reports to the credit bureaus but never told me that my automatic payments had been stopped or that I was late until I got a letter in the mail dated XX/XX/2023. In the meantime, I got routine monthly emails telling me that my statement was available online but they said nothing about my being late or that my automatic payments had stopped or that they had already destroyed my nearly perfect credit score. 

I sent four letters to Bank of America and started disputes with and sent the attached documentation to all three credit bureaus in XXXX of 2023. Ive done everything possible to make Bank of America correct the record and restore my credit line but they have been completely unresponsive. They refuse to take responsibility for their unwarranted actions that damaged my credit and caused me great harm. When you read the attached letters, youll understand why Im submitting a complaint against them.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FISERV INC. (TX)

I am writing to formally notify you of serious violations concerning the furnishing of consumer data that has come to my attention. As a secondary consumer reporting agency, you are required to adhere strictly to federal and state laws governing consumer credit and reporting practices. Your recent actions have violated these laws, specifically the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), and relevant case law, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Under the FDCPA, any consumer reporting agency must refrain from disclosing information to third parties without proper consent, especially when such information is inaccurate or unverifiable. In this instance, your agency has furnished data that does not comply with these legal standards. 

Furthermore, the case of XXXX XXXX XXXX XXXX XXXX illustrates the consequences of failing to uphold these standards, highlighting the judicial recognition of consumers ' rights to accurate credit reporting. Your actions not only contravene established case law but also expose you to significant legal liabilities. 

According to the FDCPA, consumers may seek damages for violations, including statutory damages of up to {$1000.00}, along with actual damages, attorney fees, and court costs. The associated costs and potential liabilities from these violations can be substantial and detrimental to your agency 's reputation.

Therefore, I hereby demand that you immediately cease all forms of communications regarding the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-14
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Block, Inc. (MO)

On XX/XX/year> I used my cash app card for a hotel room for the weekend the hotel required a deposit. I check out the room on XX/XX/year>. Cash app is still holding my deposit {$100.00} Ive tried contacting cash app many times with no help. The customer service is bot and keeps giving me the same answer they cant expedite cancellation. I have tried reaching out to a supervisor just to tell me the same thing they cant do anything every time I contact cash app they cant help me the hotel says everything was sent back. I contact the hotel on XX/XX/year> they advise me the money was released once I have checked out and sent me a copy of my receipt. I sent the receipt to cash app and they still was no help and still have my deposit. I have contacted the hotel again on XX/XX/year> they told me to reach back out to cash app because they dont have my money.
Consumer complaint received 2024-08-08
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NY)

We made a major purchase using our newly opened credit card and that day made a purchase of over XXXX to my account. I had the money available to pay for the new purchases on this card and was advised be the associate that there were promotional that will benefits us that lowes was offering. The next day i went to the lowes to pay off the charges of XXXX every time i tried it failed stating that i there was an incorrect account number and a host of other reasons. There was one time i had to put loews of syncrony on a three way with my bank the verify that the funds was available after they denied me. Lowes failed me when they created a system that on a purchase i had of over XXXX they would not draft the account at the purchase and also while the order had not received by the customer. but they Synchrony / lowes would randomly check my account and randomly attempt a draft or check if the money were in the account, this is while the product had not been received by the purchaser. then charge the consumer, me with nonsufficient funds of failure to pay or have available the money. They had me switching monies between accounts making things difficult to keep up with their unfortunate account arrangements all awhile i was in communications with my bank and synchrony bank. They, Synchrony Bank cancelled tow accounts, lowes only opened less than 90 days and XXXX card i've never accepted nor used. My wife and i her complaint # is XXXX aIt XXXX astonishing to the quickness and willingness of this institution to send us XXXX XXXX XXXX  stating I have made dishonorable payments on other accounts accounts with synchrony bank and that Activity on your account with synchrony bank is indicative of a high risk of failure to pay. Willingness to discredit me is indicative of a financial system that is historically void if equality and equity. I am a XXXX XXXX XXXX XXXXXXXX XXXX XXXX and deserve more. 
XXXX XXXX XXXX
Consumer complaint received 2024-07-11
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. (MI)

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2024-08-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

in XXXX I requests the Capital One Bank asks them what is the money in my account come from, and then they say investigation also they Block my Bank Card and Credit Card but it that fine, I complaining the reasons about Ive XXXX direct deposited from my paychecks in the bank on holding, when I asks my Statements how much Balances Ive and theyre refused me on the phone calling and said it was investigating we cant say nothing, after that they mailing my statement in XXXX, next when they mailed the first check for me I go to the XXXX XXXX XXXX  California to break my Check to verification, they said nothing to do to verifying my check, finally Ive a little anger to speak with them and then they transfer to another Department to verify my check, today I give them a calling about my Employer investigation about my XXXX XXXX XXXX and XXXX XXXX XXXX I call the bank to give me a confirmations about send me an Email or Letter and theyre refused my requested and say they did before and no guarantee to give me the copy and leave for messages to another department about my requests, From XXXX until today I still 3 paychecks in the Bank and theyre not mailing to me yet, So today Ive a complaining with my messages reporting to the right Department. thank you