davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: JPMORGAN CHASE & CO. (TX)

I recently opened a business bank account with Chase bank for my small business, XXXX XXXX XXXX. I decided to opt in to use their integrated payments credit card processing company 'we pay ' to process card payments from my customers purchasing my products. On XX/XX/year> I ran a card for a down payment of {$200.00} through the chase point of sale app. I was able to send the customer an electronic receipt through email. I proceeded to run another credit card payment on XX/XX/year> for the price of {$2900.00} for the purchase of my product at full price. I was able to send the customer a receipt through email with the chase point of sale app. Later that day I was locked out of the chase point of sale app and then I was sent an email saying the purchase was declined to be deposited in my account. I called the chase bank and they told me they looked it over and decided to hold the funds for XXXX  days because I am high risk. That is all the info they could give me because all complaints and issues are to be dealt through email with the payment processing company they told me i needed to appeal it through email. So I proceeded to send an appeal through email and they responded saying they will look into my appeal and to wait and that is all the info I got. This is affecting my business immensely seeing how I am a very small company just starting out and I need to use those funds to pay my independent contractor for selling my product as well as replace my inventory. I can not wait 120 days for the funds to be release I need this to be resolved immediately and it shouldn't even be happening seeing how I gave them all the legal information they needed to set up my account with them so I should not be having to deal with this. It is a huge set back to my company
Consumer complaint received 2024-02-14
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY (NY)

I received a {$1000.00} prepaid American Express card from my employer as a reward. Within 30 mins from activating the card online, I was charged a purchase of XXXX from a merchant in California that I have never even heard about. I contacted the customer care and I have not received any answer so far. I am very disappointed by the customer experience because I called immediately when the transaction was pending to make them aware of the scam, but days have passed and now the transaction has posted so I have XXXX as balance.
Consumer complaint received 2024-02-14
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (FL)

Requesting a copy of letter that verify that ic system actually owns debt by providing a copy of the original purchase agreement, agreement must be signed by creditor and signed by all parties involved. I am requesting deletion of all prior made to any consumer reporting agency XXXX, XXXX and XXXX must cease collection effort until This allege debt is validated, must show that you own debt with accuracy. 
These are a few violations that Ive notice on said account.

15 USC 1681 ( 2 ) ( A ) ( I ).

15 USC S-3 .

15 USC 1666b 15 USC 1692c Thanks for your understanding.
Consumer complaint received 2024-02-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Exeter Finance, LLC. (SC)

I purchased a car in XXXX XXXX XXXX. I recently had a look at my contract closely and the numbers aren't adding up. My interest rate is at 27.46 %. I was also told in the beginning that i wasn't approved for the loan. All of a sudden the next day I am magically approved major red flag. I feel as if they schemed a way for me to get approved. None of my payments went towards the car from day one. I have 5 payments in the beginning that never touched the car. I need answers, I also know about the 49 USC 14301 law. The whole process with this company took advantage of me as a consumer. Not to mention the amount that it shows i own as long as i had the car is still at XXXX. This makes absolutely no sense.
Consumer complaint received 2024-02-13
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY (TX)

American Express is telling me to locate this new credit card that I never received because I did not authorize opening an additional Gold card to be opened. I don't even know the account number or call the number on the back of a card that I haven't received. 

According to Fair Credit Reporting Act, American Express needs to report accurate information and this new account was never opened with my permission. As a result, this card needs to be cancelled and removed from my credit report.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (IN)

Around XXXX XXXX I was placed as a authorized user so I can sign up for XXXX XXXX XXXX XXXXard and I received it so I can work on my credit report, I stop looking at it because I can handle XXXXXXXX XXXX XXXX and I dont sign up for stuff, well here it is XX/XX/2024 and I noticed my score dropped tremendously and I didnt recognize those. Accounts that had gave me a hard inquiry for
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (TX)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2024-02-12
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: JPMORGAN CHASE & CO. (CA)

this account was opened fraudulently without my knowledge. I have filed an identity theft report with the FTC because I never benefited from any of the transactions from this account. This account needs to be closed to prevent further use of my information and identity theft.
Consumer complaint received 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-02-13
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (CA)

I closed my Chase XXXX XXXX Rewards MasterCard business credit card account in or around XX/XX/2023. I am now doing my company 's year-end accounting and I need a copy of a statement from XX/XX/2023. I would like to download the card statements in XXXX XXXX  PDF format from the website as I used to be able to, but Chase has removed all references to the account and customer service at first claimed that they could not access any information because the information had been destroyed. I asked to be transferred to a supervisor, who told me the same lie. I told her that she was lying and she said I could call back and speak to another supervisor. Instead, I called the Chase " Executive Office '' and a representative confirmed that the statement I was asking for was indeed available ( meaning that both of the prior representatives were in fact lying ), but it could only be mailed out via postal mail because the card is not on the Chase website. 

Chase obviously controls the Chase website and has made the active decision to purge records for closed accounts, even when customers are entitled to their own financial records. It should not be so difficult to get electronic copies of one 's own records, whether an account is considered open or closed.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I am so disappointed with my report, since I have been working with this incorrect information on my report for how many months now, I never received any response from my dispute. This account CAPITAL ONE with the account number XXXX is reporting 100 % incorrect. This account is always paid on time and was never late it should not be reporting as negative on my credit report. This oversight is unacceptable, especially considering the detailed letters I have previously sent outlining the errors. It is disheartening to find that my concerns have not been addressed in a fair and timely manner. They are reporting late payment but I was never late paying for any of my account. I am aware of my rights under the Fair Credit Reporting Act ( FCRA ) and the FDCPA. If you are unable to provide the requested information and validation, I insist on the immediate correction or removal of these unverifiable information on my report.
Consumer complaint received 2024-05-23
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA ()

An Apple Card user since the very beginning, I haven't had problems until recently on XX/XX/scrub> 2024, I called to renew XXXX disputes that had previously been filed with Apple Card Goldman Sachs. The representative refiled these with the wrong amounts, but also, unlike the previous dozens of disputes I've filed over the years, did so in a way that blocked me from access my account. 

So now I am now longer able use my Apple Card, which is really a pain as I'm living aboard. The company refuses to reactivate my card because I do not have a United States phone number. 

Moreover, I can not make payments or check balances because somehow the Apple Card is removed from my XXXX app on my XXXX. So now I am having difficulty just LIVING as the Apple Card is my tool for paying for everything. 

I believe the company may be in violation of, at minimum the Truth in Lending Act. 

My email for the account is XXXX XXXX
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY (TX)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2024-02-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

This is the fourth time I've experienced similar deceptive policies. It appears to be a pattern of behave intended to extract additional revenue from customers. 

When attempting to close an account at Bank of America, they will " soft close the account ''. If you ask to have it " hard closed '' they will agree, but will not perform the action. 

Then they will charge fees or refunds to the counts that cause the account to reopen. They will not notice you of this event and then will charge low balance fees on an account which you have closed. 

Attempts to close the account again will often restart the process or require long hold times in order to resolve the issue. It has happened to me multiple times with BofA and appears to be a clear pattern of deceptive behaviour Having experienced this before I specifically outlined my concerns at the time of closing and indicated I would reach out to the CFPB if it happened again. It happened again.
Consumer complaint received 2024-02-12
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

basically someone opened a kohls/capital one under my name on XX/XX/year> and spent XXXX XXXX  at some shoe store that i was unaware of until i called the credit card company and they had let me know where they had spent the money at. Right now the credit card company is still investigating the situation and will let me know in a few more weeks the end result.
Consumer complaint received 2024-02-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In XXXX last year, Bank of America suddenly closed my bank account, which I had been using for 5 years, due to their suspicion of fraudulent activity in my XXXX transactions. However, I hadn't engaged in any fraud. As a student facing financial difficulties due to family reasons at that time, my friends attempted to help me through the tough period. Upon learning my account had been closed, I immediately reached out to Bank of America, hoping they could unlock my account. I organized the information of the senders, including their names and phone numbers, and proactively communicated with the relevant department 's supervisor. I hoped that Bank of America would contact them to confirm the transactions and then return the remaining {$5200.00} in my account. However, all I received from Bank of America was a message to wait. Confusingly, while the customer service department mentioned seeing " your money is harmless '' on my account, another department cited fraudulent activity, leaving me feeling my rights were unprotected. It's been nearly 5 months, and I feel Bank of America has taken no action, nor has anyone proactively contacted me about the matter, just holding the {$5200.00} from my checking account. As a student, I trusted Bank of America to keep my money safe and had no reason to engage in fraud after 5 years of holding the account. I wouldn't misuse the {$5200.00} and have been actively communicating. What I don't understand is why the review section could take XXXX months, and despite my friends ' statements, Bank of America hasn't confirmed with them or communicated at all. I hope my situation is taken seriously.
Consumer complaint received 2024-02-12
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I believe the account is invalid. CAPITAL ONE needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. CAPITAL ONE XXXX
Consumer complaint received 2024-02-11
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

They said statements were sent but I can't find them anywhere. They say its my problem. They did not send statements! My XXXX XXXX went from XXXX to XXXX and I also paid late fees and interest.
Consumer complaint received 2024-02-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Synovus Bank (PA)

I opened this account through my bank XXXXXXXX XXXX. I wanted to be able to accept credit and debit card payments for my business account. I initially was not aware it was a 3rd party I was being connected to. I was connected to XXXX and set up the mobile apps and everything as they instructed. I sent {$1.00} as a test payment that was supposed to be reversed the following business day which would have been that Monday, XX/XX/XXXX that I have yet to received till this day. I completed my very first job for my company on XX/XX/XXXX which was a Saturday. According to the contract the funds were to be available within 24hours. I called and was told because the transaction occurred on Saturday it created a hold up. I was then sent a email approximately XXXX on XX/XX/XXXX saying I had to provide documentation of my contract and the services my business provided for me to receive my money, that was already removed from the customers account. I was made promises on several different occasions that at least the money would be reimbursed to the customer. Even in the event it finally is sent to the customer, if they decide not to pay me what situation could that leave me in. The practices of this business are completely unethical, they are untrustworthy, & as long as they have money that doesn't belong to them they committed a crime and abused their power to the furthest of their capability.
Consumer complaint received 2023-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

On ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), I wrote to you requesting an investigation into items that I believed were reporting inaccurately on my credit report. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you Please delete these accounts and reply within a reasonable amount of time.
Consumer complaint received 2024-06-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bounce AI, Inc. (TX)

I sent a letter to Bounce AI in response to my recent debt validation verification I requested for. This wasn't a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that the claim was disputed and validation was requested. 

In XX/XX/2024 and XX/XX/2024 ), I respectfully requested that Bounce AI provide me with competent evidence that I have any legal obligation to pay you with ALL of the following : What the money you say I owe is for Explain and show me how you calculated what you say I owe The amount Bounce AI paid for to purchase the tradeline from XXXX Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent. 

As a result, due to NOT providing proof that it is licensed to collect in my state, Texas, NOT providing your license numbers and Registered Agent and not showing the purchasing agreement as of today, Bounce AI have not complied with the FDCPA and are now in violation of the Act.
Consumer complaint received 2024-06-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Block, Inc. (MO)

I bought {$50.00} in XXXX on cashapp somehow this flagged my account and I was suspended asking me to verify My identity which I did it has not been 8 days and they still have my money I keep being told My complaint has been closed. This started around XX/XX/XXXX and I've been corresponding daily with cashapp support but no resolution has been found.
Consumer complaint received 2024-01-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BMO Bank, N.A. (CA)

I am working with a Credit consolidation company ( XXXX XXXX ), so I put stop payments on XXXX loan companies that I borrowed with since they were charging me outrageous interest ( 799 % ). 

I notified the bank of my situation, and they suggested I stop payments on my checking account. I stopped payments from my account XXXX weeks before the money was supposed to be withdrawn ( XXXX XXXX ). But my bank failed to stop the payment from coming out. 

They played a recording saying that they are not at fault if the money is still taken out, but I could have gotten better guidance from the bank. I could have taken the money out the bank so that there was no money for them to withdraw. 

I called the bank every day for the last 2 weeks, and they said that I should have gotten the money back in 5-7 days. It's been almost 2 weeks, and I Still haven't gotten that money back. I called today and they told me that the payment is processed, and they can't do anything. I was given 100 % guarantee by BMO main office that I should be getting the money back.
Consumer complaint received 2024-06-03
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: CITIBANK, N.A. (AZ)

I was charged XXXX and didn't receive goods or services merchant wouldn't reimburse me. Also costco visa from citi wouldn't reimburse for the fraudulent transaction which is a violation of visa terms and agreement. I want full reimbursement from citi visa.