davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-31
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. (CA)

I booked a 3-day hotel room on Chase Travel through my Chase Sapphire credit card. ( Trip XXXX : XXXX ). I booked a one-king-bed room, but when I arrived at the hotel the front desk informed me that my reservation was for a 2-queen-bed room. So I called Chas

e Travel Support right away to confirm what happened, the customer representative told me that on Chase 's end I did book a one-king-bed room but on the hotel 's end it was a 2-queen-bed room, and it was clearly a technical issue from Chase Travel.

The Chase representative told me they needed to do some investigation on the back end. One month passed, and they called me telling me that it was a technical issue from Chase Travel and would like to offer me XXXX points ( XXXX $ ) as compensation. I declined the offer as I didn't get what I booked, so I requested a full refund because Chase was at fault. After I proposed my request, they immediately turned me down and also took away the original XXXX points offer, claiming they would close my case and complain as it is.\ I was shocked at how Chase treats their customer and how Chase doesn't address the wrong-doing caused by their technical issue.
Consumer complaint received 2023-04-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/XXXX, I contacted TransUnion regarding inaccurate information on my credit report. However, to this date, they have not responded to my request. Therefore, I am submitting this request to the Consumer Financial Protection Bureau ( CFPB ) to request your assistance in correcting the following errors on my credit report : The following account was never late XXXX  XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$53.00} ). Please correct this inaccurate information on my credit report. 
The following account was never late XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, XXXX : {$76.00} ). Please correct this inaccurate information on my credit report. 
The following account was never late XXXX XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$1000.00} ). Please correct this inaccurate information on my credit report.
Consumer complaint received 2023-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-06-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

My concern is that the Capital One Credit card site is trying to lead clients into fraud regarding false promises and XXXX offers. 

I received a notice that a payment I sent in to BJ 's Capital One Account. When I tried to talk to a person about it - I called the number on the Capital One website linked to my account. ( XXXX XXXX XXXX XXXX ) After taking down personal info, the man who answered tried to sell me a product which promised a {$100.00} check. After a few refusals on my part, he would not give up. I asked him to solve my problem. He told me that they had changed the numbers for help and he could not help. me. 

This morning I called the same number to report the problem. He connected me to the fraud department. When I explained the issue- the man hung up on me. 

I then called the number for fraud on the Capital One website ( XXXX XXXX XXXX ) and the woman offered me a XXXX  XXXX  and refused to do anything else. 

I am concerned that my personal information has been compromised by Capital One and there is no number to call to address this concern. 

Thank you, XXXX XXXX
Consumer complaint received 2023-08-18
Product: Credit reporting, credit repair services, 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. (DE)

The following inquiries are fraudulent and need to be removed from my credit report immediately, someone has been applying for credit in my name. When I contacted the companies listed below and the three credit bureaus they were unwilling to assist me with getting these fraudulent inquiries removed from my credit report. The following inquiries are fraudulent and need to be removed immediately from 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-01
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY (CA)

I had a little more than XXXX reward points. If I redeemed the points online, I would get an additional 10 %. I searched my account for access to the points, I spoke to many card service representatives, I walked into my branch, I also had my personal banker online with me, while speaking to card services. I needed help from anyone, to access my reward points. The Wells Fargo website did not show my points. Only on my card statement, is how I knew how many reward points I had. Finally, this week, I was able to log into a redeeming website, but there was a message, the site was having technical issues, and the website was down. Every conversation with card service, they would begin or end each call, telling me that I could redeem online and earn an extra 10 %. I repeatedly stated that I was unable to access my points online. I was upset reading my XX/XX/year> statement. It read that XXXX points had expired. Fear of losing all my reward points, I redeemed all the points I could, over the phone with card service. The last conversation with card services, she sympathized with me for the expired points, and me not having access to the online Wells Fargo redemption. She indicated that there was nothing she could do. I did not get the extra 10 % that was advertised repeatedly and lost XXXX points.
Consumer complaint received 2024-05-29
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (NJ)

I was a wells Fargo account holder from XXXX to mid XXXX and received several overdraft fees processed on my account. I also noticed transactions were processed out of order of the transactions which often caused my bank account to stay in overdraft fees. I also had an auto loan with Wells Fargo. I was unable to get any assistance with my account. I also applied for a li e a credit while with wells Fargo and was denied.
Consumer complaint received 2023-12-07
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (MN)

I was given this card as a gift a while ago. Anytime I have attempted to use it is declined. I have attempted in stores where American Express is accepted as well as many different websites that take American Express. In my research, i found that you may need to register the card with American Express in order for the card to work. I called and registered the card. I attempted to use it again on various websites that same day with no luck. After waiting a couple of weeks, I tried again thinking it just needed time to update in their system but no luck yet again. I'm sick of spending so much time online trying to figure out how to use a measly {$50.00} gift card. It's ridiculous. Do not waste your time gifting anyone with an American Express gift card. Make it easy and hand them the cash instead. If a card is needed, I have never had any issues using the XXXX one. At this point, I just want my {$50.00} so I can use it.
Consumer complaint received 2023-09-25
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: EQUIFAX, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-26
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: U.S. BANCORP (TX)

On XXXX XXXX US Bank closed my account with a balance of {$1600.00}. Prior to.this the bank chose to.Freeze my.account leaving me in a very bad way where i.was unable to.get gas in my veichle, forcing me to leave my.at gas station where it got towed impounded and I lost it because I had no.way to pay. I won't elaborate the rest, it only got worse SMH. I elected to remove us bank as my institution for my unemployment benefits. I spent the greater part of the next year playing there hang up game as my funds were not refunded upon c! osing. 3 years later give or take and those funds are still.in there bank with my name attached.They claim for whatever reason the funds Will Not be released to me. I'm seeking relief for the way the bank handled my accoumt. How they broke the law and for the unfortunate set of circumstances that happened upon me during an already hectic time.
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TN)

Recently, I did an investigation on my credit bureau which caused emotional distress upon me and found inaccurate and questionable items on my credit report that Experian didnt make sure it was 100 % correct. I have filed numerous times and experian closing the investigation accusing me of the letter not being sent or authorized by me. I have sent over supporting documents to verify my identification such as my identification through the state and proof of address. 

In compliance with the Fair Credit Report Act, everything has to be 100 % accurate on my credit report and under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-05-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc. (FL)

I am writing to formally request a security freeze be placed on my account due to concerns about potential identity theft and unauthorized access to my personal information. 
I have recently noticed suspicious activity that suggests my personal information may have been compromised. Therefore, I believe it is necessary to take immediate action to prevent any further unauthorized access.
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

XXXX weeks ago I sent a dispute letter to XXXX and Experian disputing multiple hard inquires on my report, XXXX and Experian has failed to investigate these and sent me a letter back saying that they assume them to be accurate. I did not authorize any of the companies stated in my dispute letter to pull my credit information. XXXX and Experian need to address these false inquires as mandated BY LAW.
Consumer complaint received 2024-05-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Branch Messenger, Inc. (NC)

My account was compromised due to fraudulent activity and XXXX XXXX XXXX managed by Branch is not allowing me to deposit funds to cover the negative balance and close the account to prevent further fraud. I believe this is predatory activity meant to allow further fraudulent charges to occur on my account, and to cause me to deposit more money into the account because I intend to leave XXXX.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

in accordance with the Fair Credit Reporting act DEPTEDXXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my hand written instructions.
Consumer complaint received 2024-04-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Upon thorough examination of my credit report, I have identified hard inquiries that are unfamiliar to me. Subsequently, I have initiated contact with all three Credit Reporting Agencies, requesting either their removal or a thorough investigation into these inquiries. Enclosed herewith is an FTC report detailing the unauthorized inquiries, inclusive of those delineated in the personal XXXX section, which warrant expeditious removal from my credit profile. 

15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquires, Except as provided in section 15 USC 1681g ( a ) 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with credit or insurance transaction that is not initiated by a consumer 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 2023-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XX/XX/23. Over the past year or so, I've made multiple attempts to get in touch with Capital One to discuss this problem. They are unable to give a justification for rejecting my request for CLI access. My account card has been with me for more than six years. The most recent denial letter I received from Capital One omits a justification. Just a simple " not available upon request '' message. This is the typical justification for a protected card account ; nevertheless, the card in question is not secured and was graduated long ago. stuck with a {$500.00} limit even though other banks have given me limits of {$6000.00} and higher. When I call and inquire as to the cause, this is utterly absurd. I am unable to get any meaningful information from the representatives. This is not appropriate behavior for a financial institution ; all other banks provide justifications, such as a poor credit score, too many queries, a history of late payments, and Capital One has previously provided that justification for this account. They can no longer give a rationale and instead just say this after I have explained everything and waited. Additionally, my explanation is not included on the back of the letter, which states to look there for a denial reason.
Consumer complaint received 2024-04-22
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. (SC)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

has violated my rights. Or a list of inquiries : XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Re : Identity Theft Dispute and Failure to Acknowledge Accounts Dear Consumer Financial Protection Bureau, I XXXX XXXX am writing you to file a complaint against TransUnion and XXXX for their failure to acknowledge and address the identity theft accounts that I reported multiple times. Despite providing an Identity Theft Report and the necessary documents, the following accounts have not been acknowledged or investigated by the credit reporting agencies : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX These accounts were included in the disputes I submitted dating back as far as XXXX of this year. This puts them well outside of their XXXX threshold. I have sent the Identity Theft Report and supporting documentation multiple times, and it is deeply concerning that TransUnion and XXXX have failed to acknowledge these disputes or initiate an investigation. 

In accordance with the Fair Credit Reporting Act ( FCRA ) and 15 U.S. Code 1681i, I request that any account listed on my credit profile due to this identity theft inquiry be immediately removed while under investigation by your company. It is crucial for my financial well-being that these inaccuracies are rectified promptly.

Furthermore, I would like to bring to your attention that, as per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four days from the receipt of this affidavit to resolve this matter. I expect a thorough investigation and resolution of the identity theft accounts within this timeframe.

Enclosed with this letter are copies of all relevant documents, including : Identity Theft Report Dispute letters submitted to TransUnion and XXXX Proof of delivery and acknowledgment ( if available ) I appreciate the Consumer Financial Protection Bureau 's intervention in this matter and request that you investigate and ensure compliance with federal regulations. 

Thank you for your prompt attention to this serious issue. 

Sincerely, XXXX XXXX Please see attachments below
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In

accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-21
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (NJ)

I am writing to formally complain about a profoundly disappointing and frustrating experience I had with your customer service on XX/XX/XXXX, at XXXX XXXX ET. I contacted your team to discuss the possibility of downgrading my credit card to avoid an annual fee that had been charged to my account. Regrettably, not only was my request denied, but the handling of my call was completely unacceptable. 

I was transferred to a supervisor named XXXX, who was dismissive and uncooperative throughout our conversation. Despite my attempts to obtain more information about whom I was speaking with, XXXX provided no further details and insisted on rushing through the call. Her constant interruptions and evident disinterest in assisting me were unprofessional and disrespectful. 

Repeatedly, XXXX talked over me, repeating the same unhelpful information and refusing to consider any solutions that could assist me or preserve our customer relationship. When I requested to be transferred to her manager, hoping for a resolution, she flatly refused and continued to speak over me. Even after I politely asked her to stop interrupting and allow me to finish my sentences, she persisted. The call ended abruptly when she hung up on me as I was about to request the closure of all four of my Chase accountsa decision I was considering due to the poor service. 

I am appalled by the audacity and rudeness displayed by your customer service representative. Such behavior is not only inappropriate but also harmful to the trust and loyalty I have placed in Chase over the years. I am still shocked by the lack of courtesy and professionalism, which has led me to reconsider my relationship with your bank. 

I expect a formal apology and a reconsideration of my initial request to downgrade my card without the annual fee. Furthermore, I would like assurance that this feedback will be used to prevent similar experiences for other customers in the future. 

Thank you for your immediate attention to this matter. I look forward to your prompt response.