davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: JPMORGAN CHASE & CO. (NY)

I was charged a monthly fee for only a second time since I opened chase checking bank account in 2014. I have recently downgraded my account to total checking account with XXXX $ monthly fee unless I meet certain requirements. On the site it looked like one of the option to waive the fee is real time payments in the total of XXXX XXXX I received XXXX $ through XXXX on XX/XX/XXXX and I was sure I met the requirements. However chase has charged me XXXX $ on XX/XX/XXXX. I went to the branch and I also made telephone calls and secure messaging with chase in attempt to understand the problem and to reverse a fee. The representative on the phone explained that if I use XXXX to qualify the amount of money received should be totaling in XXXX XXXX This was a surprise for me because nothing like this was mentioned on chase site. If I knew I would, of course make sure to receive XXXX $ XXXX payment instead of just 3 thousands. Anyway I shared with agents my frustration with the fact that such important condition was hidden and it's exactly what made me so confused. Because in the previous months I happened to receive over XXXX $ XXXX payments and I was never charged a fee so I was sure that qualifying for a fee waiver is definitely possible with just receiving XXXX payments. But nowhere would chase specify that the amount should be XXXX $ so I obviously had no way to foresee that I'm not meeting the requirements this month. Unfortunately chase refused to be flexible and reverse the only second monthly fee that I ever asked to reverse since opening account in 2014.
Consumer complaint received 2024-05-17
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (MI)

XX/XX/XXXX I paid a credit card deposit to XXXX XXXX XXXX of {$1200.00}. 
XX/XX/XXXX I paid an additional credit card of {$300.00} deposit to XXXX XXXX XXXX. 
XX/XX/XXXX XXXX sent XXXX XXXX XXXX XXXX movers XX/XX/XXXX after several delays XXXX, the delivery driver, arrived to deliver my belongings but only brought half. 
XX/XX/XXXX after a week of calling the movers they said " we looked everywhere, we can't find your things. We marked it lost, so you can stop calling and file a claim. '' Since this meant they " lost '' over {$50000.00} of my belongings and refused to provide me with the GPS and digital tracking they claim to have, I disputed the charges since they failed to provide the service they promised which was safe delivery of my entire inventory. 
I was refunded the {$300.00} deposit from XX/XX/XXXX, but USAA said initially that the other financial institution refused to refund the {$1200.00} deposit. I reopened the dispute mutiple times with USAA and the credit card department agreed that it should be refunded, but they told me each time that a different department handled disputes and each time that dispute was refused. 
I then filed a small claim against the movers and had my claims hearing on XX/XX/XXXX. The movers never showed and I was awarded the full amount claimed. The movers did not pay the judgement within the 30 days, so in XX/XX/XXXX, I again reopened the dispute with USAA and uploaded the court judgement that stated that the company owes me the money and getting denied yet again, I asked that the dispute be escalated and at the final escalation the only explanation they had for declining it was that the timeframe to file the dispute had passed. So they agreed that the dispute was valid, but they acted like I was making a new dispute rather than reopening the original dispute. 
I do not believe that is an acceptable excuse to refuse to refund the money as the court process takes time that I can not rush and then after the judgement I had to allow 30 days for the company to abide by the court judgement. I also was not making a new dispute, I was reopening a dispute that was filed well within the timeframe. The refusal to refund the money has no justification. The {$300.00} was refunded based on the exact same dispute, so the {$1200.00} must also be refunded since both disputes had the same justification.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIBANK, N.A. (OH)

XXXX. I was removed as an authorized user on the Best Buy credit card ( I confirmed with Best Buy over the phone ) under my ex husbands account ( XXXX XXXX ). It is showing on my credit report after numerous attempts to remove. 

XXXX XXXX XXXX  XXXX is reporting XXXX open credit cards on my credit report, I only have XXXX. Confirmed with XXXX in numerous occasions that I only have XXXX credit card ( ending in XXXX ). The one starting with XXXX is not mine or needs to be closed. It is showing on my credit report after numerous attempts to remove.
Consumer complaint received 2023-10-06
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EdFinancial Services (TX)

I will be suing all 3 credit bureaus, for false placing student loans on my credit report for years that dont belong to me. Ive filed so many disputes over the years .I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Grevens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

XXXX has reported a 30 day XX/XX/year> late payment. To date, I have received no response or removal with the three credit reporting agencies. These agencies are Equifax, XXXX. and XXXX.
Consumer complaint received 2024-05-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Credit Karma (NM)

Credit Karma Money closed my account for no reason and sent a check with my funds to an old address. I have since then provided my identification and utility bill as proof of new address. The company has verified my address is now corrected and my funds would be reissued within 24hrs. I have not received notification that my funds were sent. There is no valid reason for not releasing my funds. I have called and messaged the customer service only to be told the same thing and my money is still missing. My account was closed for no actual reason and now this company is delaying payment of my funds from my employer. This is causing undue hardship in my life and is unacceptable as I am not their customer any longer.
Consumer complaint received 2023-09-18
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: Experian Information Solutions Inc. (FL)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2024-05-17
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WA)

Portfolio recovery and associates has repeatedly called me over the course of near a decade. The debt has been time barred for a couple years and they are more than aware of this. I first started blocking numbers but they would call from so many different numbers that it wasn't feasible. I then answered somewhat recently on XX/XX/XXXX, told them to never contact this phone number again or it will be considered harassment and they immediately called again and have done sontwice since I have done this. They have attempted to call me via blocked numbers, when I have answered them in the past, they would try not to answer my questions about who was calling until I told them who I was, they have called me since me telling them not to contact me and long since the debt has been time barred in both the state of Texas where the debt was alleged to have been incurred as well as the state of Washington where I am and always have been a legal resident of. I am so tired of looking at my phone and seeing their number pop up, especially during my working hours. This is a time barred debt, and I have already asked them not to contact my phone number ever again.
Consumer complaint received 2024-05-17
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: CAPITAL ONE FINANCIAL CORPORATION (CO)

I am a XXXX XXXX  and signed up over the phone with a podcast company to record shows with them to promote my XXXX XXXX  ( {$500.00} ). It's called XXXX XXXX XXXX XXXX ( XXXX ). When I checked XXXX ( which I admit I screwed up by not doing it ahead of time ), I found that XXXX was not a reputable company to do business with, as they basically just took people 's money, maybe gave them a podcast or 2 ( but no one listens to the podcasts ) and then just ghost them without fulfilling the services promised. 

I didn't want to go through that hassle, so within minutes I called the company and asked to cancel my services and receive a refund but the lady gave me the run around. I filed a dispute with my credit card company ( Capital One ). I had never signed any documents nor received a cancellation policy from XXXX, and there was not one on their website. 

XXXX sent Capital One a document with a fake docusign, fake " logos '' for my business that they had " designed '' for me, and screenshots of fake podcast episodes they had recorded for me. 

I sent back proof to Capital One that these documents were forged. 

Capital One didn't seem to care. They just said they were missing the documentation needed for me to win my dispute. However, they were consistently unclear over the phone, and in their dispute response letters ( which were stock and generic ), what exactly that additional info was. By the time I finally spoke with someone ( a supervisor ) who told me what I needed ( proof of termination of services but no refund ), it was too late. The window for me to respond to the dispute was closed. I sent them what they needed but they refused to consider it. Keep in mind this was less than a week since the date I was supposed to respond by, and I had actually responded THREE times within that time frame trying to give them what they needed, but it wasn't enough all 3 times.

I clearly showed Capital One that this company was scamming me, but they failed to protect me over a technicality. 

I know that many other small business have been, and continued to be scammed by XXXX. Please hold someone responsible.
Consumer complaint received 2024-05-17
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (OR)

I was waiting to receive my Best Buy credit card ( through Citibank ) in the mail and my mailbox was broken into while it was in there. I didnt know when it was supposed to arrive. I received a text message from my landlord telling me that my box had been broken into, not knowing that the card was in there yet. The thief immediately, the same day, went to a Best Buy store and purchased items. A receipt was sent to my email, which is how I found out in the first place. I called Citibank and disputed this and reported my card stolen. This purchase was for {$1000.00} on XX/XX/2024. The representative on the phone told me that they attempted to make another purchase as well but it was declined due to being over my limit, because the thief obviously didnt know my limit. After a few months of the fraud department investigating this, they sent me a letter stating that they determined it wasnt fraudulent. When Ive inquired about how they could be determining that, they never give me a real answer. Just that they have ways of determining these things. I called again to dispute it again and received a letter electronically that I cant even open but the title says its been resolved. Considering I dont have my money back, its safe to assume they resolved it again, not in my favor. Which was only days after I opened the second dispute. I reported my card stolen as soon as I found out. I did not make that purchase. The thief was very obviously not asked for ID in store, which is strange considering that is a very large purchase, and a new credit card, and not signed. The store also didnt seem to find it strange that the thief then changed the phone number on my account to what I can assume was theirs. It notifies me of this as well, which could have been problematic in the further because identity and purchase verification codes have been sent through text message. I believe this has been mishandled greatly and would appreciate a resolutions. Thank you.
Consumer complaint received 2024-05-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (FL)

Back in XXXX I went to XXXX XXXX XXXX to purchased a car. It was a white XXXX XXXX XXXX. AT first I bought it, but the problem was that the car was not on the lot. It was still in transit to the dealer and would not arrive for another XXXX weeks. So I cancel the purchased of the vehicle. They return my trade which was a XXXX XXXX XXXX white. XXXX is stating that I have a loan with them. I have email, called and incomed them that I never purchased the car. And that I went to the dealer and they do not have me in their system for a XXXX XXXX XXXX XXXX, that contract was canceled. I have explain this to XXXX but they have advised me that they wont call the dealer to confirm but yet they all work for the same company. Dealer has nothing to send to XXXX being that contract was cancelled.
Consumer complaint received 2024-05-15
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I have been more than patient with BofA concerning the remaining funds from my Unemployment allotments. BofA has discontinued my benefits card and apparently I am waiting for them to send me a paper check. I have NOT received my funds and I have bills to pay! Please compel BofA to send me a check in the amount of the remaining balance on my XXXX BofA card.
Consumer complaint received 2023-12-22
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (AR)

I made a purchase using my Chase Sapphire Preferred Visa credit card in the amount of {$170.00} on XX/XX/2023 at XXXX XXXX. I received a Credit Card alert from the Chase App alerting me of the transaction on XX/XX/2023. 

I had previously applied a Chase Offer to the account for 15 % cash back on a purchase at XXXX XXXX with an expiration date of XX/XX/2023. 

The transaction posted on XX/XX/2023 with a revised " Transaction date '' of XX/XX/2023 which I had no control over and did not reflect the actual transaction date. 

Following the Chase Offers FAQ guidelines, I waited 14 days for the cash back reward to post. It did not, so I contacted Chase 18 days after the transaction was initiated via their secure message feature within my account. I provided screen shots showing the transaction notification date of XX/XX/2023 and the subsequent change of transaction date after it posted to my account as well as the cash back offer information. I received a response from XXXX XXXX on XX/XX/2023 indicating he would forward the information to the appropriate department for research and I should expect a response within 5 business days.

After 5 business days passed, I did not receive a response. On XX/XX/2023 I forwarded the original message via the secure messaging feature on the Chase website to request an update. 

On XX/XX/2023, I received an update from XXXX, Senior Service XXXX : " After reviewing your account carefully we confirmed the offer expired on XX/XX/2023. The purchase posted on XX/XX/2023. We have no control over when the merchant post the purchase. Because it posted after it expired we would not be able to honor request. We hope you understand this is the same for all our cardmembers. '' I disagree with this response. The Chase Offers FAQ page at https : XXXX XXXX  : " If you made the transaction before the expiration date and met the requirements of the offer, you should receive a statement credit. While payment is pending, the offer may appear as expired in the Offers Wallet. The offer should appear as redeemed within 14 business days after the transaction post date. '' I maintain that I made the transaction on XX/XX/2023 before the expiration date of XX/XX/2023 and that I can not control when the merchant or Chase posts the transaction. Chase should honor its cash back offer and post the cash back reward to my credit card account in accordance with the stipulations of its offer and the guidance it provides on its Chase Offers FAQ site.
Consumer complaint received 2024-05-17
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: CREDIT ACCEPTANCE CORPORATION (NC)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and North Carolina Laws Dear CREDIT ACCEPTANCE CORP, I am writing to address the unauthorized reporting of information to my credit report, which violates the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as North Carolina state laws concerning identity theft and fraud.

It has come to my attention that CREDIT ACCEPTANCE CORP has engaged in unauthorized reporting to my credit report without my explicit consent. Federal law, as outlined in the FCRA, mandates that consumer consent is required for such reporting activities under Section 1681b ( a ) ( 2 ).

Additionally, North Carolina law provides strong protections against identity theft and unauthorized use of personal information. Under the North Carolina Identity Theft Protection Act, businesses are required to obtain explicit consent before accessing or reporting a consumer 's personal information. Unauthorized reporting is a serious violation and is subject to legal consequences. 

I assert that I have not provided consent for CREDIT ACCEPTANCE CORP to report any information to my credit report. This lack of explicit permission constitutes a clear violation of my rights and federal and state laws, resulting in potential damage to my creditworthiness. 

I demand that CREDIT ACCEPTANCE CORP immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and the relevant provisions of North Carolina state law. Failure to comply within the stipulated 30-day timeframe will be considered willful noncompliance and subject to penalties under applicable laws, including those pertaining to identity theft and fraud. 

I emphasize that obtaining consent is a legal obligation under these specific sections of the FCRA and North Carolina law. This is a demand for compliance with both federal and state regulations to protect consumers like myself from unauthorized and damaging credit reporting. 

I expect immediate attention to this matter and prompt rectification of these violations, respecting my rights under federal and state laws.
Consumer complaint received 2024-05-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (TN)

My Chase checking account is closed on XX/XX/2024. I called several times with chase customer service, trying to get why this happened, but the answer is my account is under investigation and being closed. Right now, all I want is getting my XXXX XXXX back.
Consumer complaint received 2024-03-23
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BARCLAYS BANK DELAWARE (NY)

On XXXX XXXX  I applied for a Miles and More credit card with Barklays bank. They requested extra documents, by mail or by fax, which I sent them at least four times. I called as well multiple times and requested those conversations to be recorded. 
And they confirmed that everything is fine on the bank side, but some company that they use to check documents is telling me that they are looking for some stamp on my Social security card and can not find it. They can not tell me what that company is or any provide any way to connect with them directly to explain that there are no stamps on SSN cards. OR they can not process my application without that company. 

Last time I tried to connect with them was in XXXX and the story is the same. 
We have some unknown company that collects sensitive information from banks applicants and with no result.