davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (VA)

My account is currently overdrawn due to reversals for a 3 claims. I ordered items off of XXXX back in XXXX they didnt arrive on time. So l was informed I would receive a refund from XXXX when the time lapsed I called XXXX they stated that the refund could take up until XXXX. So I informed them I would contact Chase. The XXXX app stated I would be refunded with XXXX since the items didnt arrive on time. I filed a claim one for XXXX and XXXX. On an early call back in XXXX when I had to replace my debit card I inquired about he claim and I was told the XXXX refunded the money for those transactions. A few days after the claim the post office delivered the items but I returned them immediately after. So XXXX fraudulently informed chase the items were delivered but never informed them also that the items were returned back. So now my Chase account is overdrawn because they reversed it the credit. I received a call about my account being overdrawn 4 weeks ago and I explained to the rep it was for two credit reversals. She stated to upload the documents to show I sent the items back to XXXX. I called chase then they told me to wait XXXX hours. I didnt call back so XXXX weeks ago I get another call about my account being overdrawn I explained once again the situation so I was connected to the XXXX department and after a long call they reviewed my documents and stated that they were going to apply the credit back for both XXXX charges and the credit would be permanent. I was told it would take about 2 days for it to reflect back in my account.I never received the credit back. So now today XX/XX/2024 the claim department says the escalation department states they cant reopen the claim even though I was told the funds were given back, I was told the credit would be permanent. The bank failed to appropriately investigate my claim. Today I was told to contact the merchant because its nothing chase can do. So I explain it was my account the money came out of. I no longer buy items from XXXX since I was informed by their back office that they alleged Chase blocks refunds from being processed back on my card and chase denies it. I then asked to speak with a XXXX and instead of them addressing the issues or providing information if chase has a legal department they supervisors just constantly repeats I need to reach out to XXXX but Chase knows they blocked it to where XXXX cant processes refunds to my cards.
Consumer complaint received 2024-05-14
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: SYNCHRONY FINANCIAL (FL)

I brought my car to Pep Boys on XX/XX/2024, to have the XXXX replaced. Before handing over the car, they checked everything and confirmed the AC was working fine. However, the next day, after just three minutes of driving, I noticed the AC was blowing hot air. I returned to Pep Boys, but they claimed everything was fine. It's been three months now, enduring Florida 's XXXX heat without AC. When I contacted Pep Boys, they accused me of lying about the AC issue.they charged me {$1200.00} I'm seeking reimbursement to fix my AC.
Consumer complaint received 2024-05-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Lloyd & McDaniel, PLC (AL)

Around XX/XX/year>, my co-borrower, XXXX XXXX, arranged a payment arrangement with Lloyd and Mcdaniel to pay a debt of {$1800.00} to XXXX credit. She settled out of court and paid the dues from XXXX XXXX XXXX in full. This company has failed to notify XXXX to clear the amount from XXXX XXXX XXXX ( the person who is writing this statement ) and refuses to get in touch with XXXX to clear her name.
Consumer complaint received 2024-01-02
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Carvana Group, LLC (TX)

I was approved for a XXXX XXXX XXXX on XX/XX/XXXX with Carvana, with a deposit of {$2100.00} and a shipping fee of {$1700.00}. The funds were withdrawn from my account on XX/XX/XXXX, and I received an email stating that the vehicle would be delivered on XX/XX/XXXX between XXXX XXXX XXXX  XXXX XXXX XXXXXXXX. I received an approval email from Carvana on XX/XX/XXXX, as well as tracking updates for the vehicle on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, advising that the vehicle is en route and that I should have the necessary driver 's license and insurance documents ready at the drop-off. 

However, on XX/XX/XXXX, I received an email requesting that I upload my phone bill, which I promptly did. On the delivery date, XX/XX/XXXX, at XXXX XXXX, I received an email requiring me to upload 2 years of tax statements and 6 months of bank statements by XXXX XXXX. Unfortunately, I woke up after the deadline, and the delivery was subsequently canceled. I called Carvana and informed them that I did not have tax documents for one of the years requested. I was advised they would not deliver the vehicle without these documents. Furthermore, Carvana denied a refund of the shipping fees, even though I was not made aware I would need these documents until the day of delivery. Carvana left me with no options to make an informed decision before withdrawing funds from my account. They have only refunded the down payment, not the shipping cost.
Consumer complaint received 2023-11-20
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: EQUIFAX, INC. (NY)

THESE INQUIRY IS SATURATING ALL MY CREDIT I WANT THEM ALL TO BE DELETED 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
Consumer complaint received 2024-01-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (IL)

According to XXXX  XXXX  I owe almost XXXX $ on a care credit card from synchrony bank. They said the date was from XXXX  and i XXXX  XXXX XXXX XXXX  from XXXX Then XXXX  XXXX  changed the date to XXXX. When i left America in XXXX i had paid off all my bills. Everytime i call XXXX, XXXX  XXXX, or synchrony bank no one can give me any facts on what this XXXX $ is from. I am afraid it is fraud and it is on my credit and i can not get an apartment.
Consumer complaint received 2024-05-11
Product: Credit card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (PA)

I demand that comenity bank complies with the Fair Credit Reporting Act and delete the referenced account from all of my consumer reports. Pursuant to section 623 of the act, it states that once a data furnisher receives a dispute from a consumer that specifies what they are disputing, explains the basis of the dispute and supply supporting documents, the data furnisher MUST either modify the item of information or delete it. I am demanding that it is deleted as it is inaccurate, incomplete and unverifiable. Please see attached exhibit ). Pursuant to 623 ( b ) ( 1 ) ( D ) and subparagraph ( E ) ( ii ) the data furnisher ( comenity bank ) MUST remove the item of information from all consumer reports. If this does not get resolved promptly, I will seek legal action for FCRA violations.
Consumer complaint received 2024-01-02
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (TX)

I received notification from the credit reporting agencies about an inquiry on my credit around XX/XX/XXXX XXXX that credit was denied via JPMCB. I contacted JPMCB on XX/XX/23 at XXXX XXXX and spoke to representative concerning the fact that I never applied for any credit with them. The representative stated that the credit bureau will contact me and to give the hard inquiry 30-60 days to be removed. On XX/XX/2023 at XXXX XXXX I spoke to another JPMCB representative who stated for me to wait another 30 days for the hard inquiry to be removed. On XX/XX/2023 at XXXX XXXX I contacted JPMCB and spoke to representative by the name of XXXX who gave me the following phone number to contact the fraud department ( XXXX ). I contacted that number and spoke with XXXX who transferred me to the Fraud department where I began speaking with XXXX. I explained to XXXX that I did not apply for a credit card through their company and that later in the week while at my dentist office I applied for XXXX XXXX but not JPMCB. She proceeded to look up the information concerning the requested for a credit card but could only locate the information using I believe it was only my name not my SS number. She seemed hesitant and I ask how would they know if it was me because I would like know what type of identification information that they received to state it was me. She could not answer. I told that It was unfair practice for their company to assume that what little information was provided was from me. She stated that she will send request to the credit bureaus to remove the hard inquiry and in the mean time she stated they would send a letter to me as well as she directed me to their website to download their ID kit at chase.com. But the inquiry is still sitting on my report and seeing that someone tried to use what information they had on me and commit identity theft has left my credit report in limbo with something I did not request.
Consumer complaint received 2024-01-02
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: Affirm Holdings, Inc (CA)

I received about XXXX automated calls from what I thought was affirm on XX/XX/XXXX. It kept asking me to confirm my account and hung up on me. I contacted affirm and they said it was not them calling me. I was locked out of my account when I went to check it on XX/XX/XXXX. So I called affirm. Over the phone they verified all my transactions. At that point they communicated an affirm card was opened XX/XX/XXXX and and a transaction was attached to it. I notified them this was not mine. I was told they would submit the XXXX  charge for investigation and removal. I was able to login today and see Im being charged for this transaction and it is still sitting on my account. I called and the rep told me it would take XXXX days to review but in the mean time I may still be charged. I asked to payoff my other valid transactions and close the account because it is not secure and the rep told me even if I pay the account off I have to wait XXXX days before Im allowed to close my account. I asked why once its paid in full I shouldnt have to wait. He then told me hes following XXXX politics said have a nice day and hung up on me.
Consumer complaint received 2024-05-10
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Corp Solutions Inc. (NJ)

I am writing to challenge the reporting of a charge-off account that I believe has been inaccurately reported under my name. 
Account Details : XXXX Account Number : XXXX Reason : Under 15 U.S. Code 1681i ( 2 ) Prompt notice of dispute to furnisher of information Instruction : Please delete due to a violation of 15 US Code 1681a ( 4 ) I initiated a dispute regarding this account with the credit bureaus, and it was subsequently verified. This verification process has significantly impacted me, and I am now requesting direct from you, as the reporting entity, documents or evidence substantiating the accuracy of this charge-off report.
Consumer complaint received 2024-01-02
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (NJ)

The complaint is for XXXX XXXX XXXX by Goldman Sachs. 

I initiated a withdrawal in the amount of XXXX dollar on XX/XX/XXXX. However, the withdrawal was reversed without a reason or a notification, even after confirming with multiple agents on the phone verifying my account information and ensuring the account I was transferring to indeed belongs to me. 

This incidence made me uneasy with XXXX. Thus, I initiated an account closure over the phone on XX/XX/XXXX and requested that the full amount of over XXXX dollar to be transferred to my XXXX XXXX XXXX Account. The agent stated that the XXXX of the full amount and subsequent account closure will be processed within XXXX business days. On XX/XX/XXXX, which is the fourth business day, there was still no update. So I called XXXX and the agent assured me that it should be processed by the end of the day and I should receive a confirmation email once the request is fully processed. But there was no confirmation email by the end of the day. Given that it was XXXX XXXX holiday, I waited until XX/XX/XXXX. I contacted XXXX again regarding the status of the XXXX and account closure, but I was informed that the transfer and account closure was cancelled by my request, which is not true. 

The agent also instructed me to initiate an account closure on their webpage. So I initiated the account closure online as instructed on XX/XX/XXXX. There was no confirmation via email, so I called XXXX to ensure that the account closure is indeed submitted. The agent over the phone confirmed that the account is closed and stated that I should receive the withdrawal in XXXX business days. 

The back and forth with XXXX on this issue is extremely exhausting and more importantly, with the delay, I am now likely unable to pay for my bills on time and I have to take other means to resolve the financial issues.
Consumer complaint received 2024-05-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PENTAGON FEDERAL CREDIT UNION (CO)

On XXXX I reached out to PenFed credit union in regards to a deposit I needed to make. I inquired about hold times because it says it MAY be on hold for XXXX business days and of course it depends on the type of deposit and lots of factors so I reached out and was told there would not be a hold for a cashiers check. So I made the deposit and at no point while making the deposit did it say it was going on hold other than the general notification it MAY go on hold. I made the deposit and it went on hold. I reached back out to XXXX and said hey I was told there would be no hold. They said no theres a hold and to get a verification from the bank to get the hold released. I did that and the hold still did not come off. I communicated with them that I had no choice but to cancel the check itself with the issuing bank and have it reissued because I was given bad information and I wouldnt of made the deposit if I would of known. So I stopped the check and it was reissued and the one I deposited was not cleared. I was very open and honest about the situation and they closed the account on me because of it. I did nothing wrong. Its discrimination and retaliation because they think I beat them at their game and that isnt the case I just needed to you know live and eat.
Consumer complaint received 2024-01-02
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: TD BANK US HOLDING COMPANY (RI)

Dear TD Bank, Please ensure you review your practices under FTC and CFPB Guidelines to ensure your officers and agents who violated the Office of Special Counsel 14 Personal Prohibited Practices since XX/XX/2006 are Disciplined, Reviewed by the XXXX and Receive a Final Determination letter from XXXX XXXX, XXXX XXXX and XXXX XXXX who will need to affidavit each person associated with the theft of XXXX Pro XXXX. XXXX XXXX XXXX XXXX. XXXX Stamped Passport XXXX. XXXX Passport Cards  XXXX. XXXX XXXX ( XXXX ) XXXX. Social Security XXXX XXXX. Indemnification Agreement from XXXX
Consumer complaint received 2024-01-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC (LA)

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me.
Consumer complaint received 2024-05-10
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (TN)

Chase sent me a promotion email saying if I book travels on their travel portal from XXXX XXXX XXXX 2023. I can get XXXX bonus points. The email provides a link for me to register the event. I vividly remember I input my last four digit credit card number, my name in that link to register. The page also showed sth like you've sucessfully enrolled. 

However, I didn't get my bonus points after 3 months. I contacted chase. They first denied there was such a promotion event. Then I continued arguing with them, they said they need to investigate. 

Then they sent me a mail, claiming I didn't enroll the offer. 

I'm 100 % sure I enrolled the offer. 

I would consider the promotion event as a scam as there is no way for me to verify the validity of enrolling.
Consumer complaint received 2024-05-10
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (CA)

At payment page while booking XXXX XXXXXXXX XXXX XXXX XXXX, for myself and family ) online, there is a prominent OFFER which shows the amount owed will be reduced to a lower amount by a statement credit given on a new XXXX XXXX XXXX  by Chase. I clicked to ACCEPT the offer, which includes an annual fee/CONSIDERATION which in my view would form a CONTRACT. I filled out an application form, a credit check occurred which presumably impacted my credit rating negatively. I was given a {$35000.00} credit line. But then the website didn't successfully redirect back to the booking ( according to the directions given on the original offer ). When I booked the flights again, the new credit card I had been given wasn't available on the website to pay with as promised. I called Chase. They stated they could not honor the booking, or give me the new account information to book it myself, that all they could do was expedite a credit card delivery. By the time the card arrived two days later, XXXX XXXX XXXX fares had increased to where I want to book with another airline. So I was tricked into getting a card I don't want, and I was tricked out of booking flights I did want, and my credit rating has been harmed. I'm not OK with that. Are you?
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

You violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) charge error Upon conducting a recent examination of XXXX XXXX history. I discovered a substantial number of XXXX  issues under 15 U.S. Code 1666 ( b ) billing error. ( XXXX ) The cruditor 's inability to truthfully depict an obligation payment or credit that was givor to the debtor on a statement ( XXXX ) A computation error or other similar accounting error on a creditor 's statement. XXXX conducting a recent examination of my credit report, XXXX discovered a substantial amount of discrepancies Based on my understanding. the creditor failed to furnish me with a statement at least XXXX  days in advance, so precluding any occurrence of late payments an this account. I kindly request access to verifiable evidence from the creditor 's financial institution that substantiates my nonpayment and late status. which can be attributed to an evident XXXX  error. 
XXXX owed was paid the day before scheduled due date
Consumer complaint received 2024-01-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GENERAL BUSINESS RECOVERIES, INC. (CA)

A collection was placed on my credit accounts on XX/XX/2023 stating I owe {$770.00} to GENERAL BUS RECOVERIES INC due to not paying a bill to XXXX XXXX XXXX XXXX 

I am experiencing identity theft as I have never been to XXXX XXXX XXXX. This is not my medical bill. 



XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX
Consumer complaint received 2024-05-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC. (OH)

An unauthorized caller called to submit a payment for me. Simply by giving my name, year/make of my car and last 4 digits of my phone number the person was given the status of my account, past due balance, amount owed etc. I stated if a person calls from a phone number NOT on the account, the company should require ss # and d.o.b as verification before releasing information. The caller did not know my d.o.b nor last 4 of ss # but was allowed access with year, make and model and last 4 digits of phone number which is basically public information. That should have NEVER been allowed. My right to privacy was violated once my account information was accessed and provided to the caller, but Santander feels verification was acceptable and good with year, make and model and last for of telephone number. My neighbor can verify the account if that is acceptable verification. The verification process is unacceptable and needs to be changed to save people the embarrassment and ridicule of an unauthorized caller obtaining account information.
Consumer complaint received 2024-01-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (FL)

This is not a valid debt. I told the company this and they refuse to remove the account from my credit yet the original creditor deleted it as this is not my debt. Legally they had 30 days to respond with a signed application showing it was opened and all statements showing debt. they did not provide this and continue to ignore the disputes by credit bureaus
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

On XX/XX/2022 I reached out to The CRA about an address that needs to be removed and blocked on my credit report as a victim of identity theft, they stated the address was removed Today when I pulled my report the address is still there Please block and delete the following address from my report : I am not affiliated with this address and I am a victim of identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Please see my attached FTC report.