davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (NY)

This customer complaint is related to trip cancellation/interruption claim with Chase XXXX XXXX XXXX I filed a benefit claim number " XXXX '' on XX/XX/2023 on XXXX. The benefit examiner claim that sufficient information were provided for the return flight and asked for support from XXXX XXXX for the departure flight. I promptly called back and explained such document was not available after I contacted the airline. The customer service representative documented such and asked the examiner to decide on the return trip claim as well as reaching out to XXXX XXXX for additional document if needed. The examiners has not done anything on such for only four weeks, despite that the response period for such is one week. 
I called back weekly for follow up ( all documented via customer services ) with no responses. The customer representative tried to contact the examiner to speak to me but no one pick up the phone. One representative left an escalation note to the examiner 's supervisor, under which the supervisor was expected to call me back in two business days. Nobody called back. 
ChaseXXXX clearly has not properly monitor the vendor 's performance related to trip cancellation processing related to Service level agreement.
Consumer complaint received 2023-07-26
Product: Credit card or prepaid 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: SYNCHRONY FINANCIAL (NJ)

Back in beginning of XXXX ( Covid Days ), I used XXXXXXXX XXXX to make a small purchase of {$20.00}. At that time, I had PayPal as my only payment method to pay for any XXXX purchases. To my surprise, without any agreed-on arrangement, without my knowledge and six months later they started sending me a statement from unknown bank by the name of Synchrony Bank ! 

I reached out to both XXXX and Synchrony Bank to inform them that the payment was made on my PayPal card. They acted like they understood and well aware of my sole payment method on my account. 

Both XXXX and Synchrony Bank customer services tried to act like someone used my account without my knowledge and they want to list it as a Fraud, even know I told them that the purchase is valid and legit. 

After multiple monthly conversations with multiple customer service representatives after receiving a false statement, I was not giving any option, other than to transfer to Fraud Hot Line! to report this. 

Going through this non-sense scam and unethical practice just to inform me that they canceled a credit card, that was never sent to me and promising me that this issue is closed and there is nothing for me to worry about. 

But fast forward 2 months later they kept sending me new statement that grow about {$30.00} a month and here we are in XXXX with outstanding balance of about {$600.00}. 

The last statement received shows that amount as transfer from a fake credit card to another fake credit card that I know nothing about!, but the amount is growing by the day. 

What I see here is two companies trying to scram consumers to recover from slow Covid days lost revenues. 

I need to report this as a complete Scam by these two companies and also make consumer aware of such a lousy ploy to generate revenues. 

I am not sure what to do here! Do I need to hire a Lawyer or contact the XXXX XXXX XXXX
Consumer complaint received 2016-12-14
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

A collection agency, XXXX XXXX XXXX, for Capital One claims I owe {$31000.00} for a Credit Card number ending in # XXXX. 
The credit card had a {$2000.00} limit. 

This was a Credit Card i got through the XXXX. Postal Service and the XXXX and XXXX. 

This was a NO-INTEREST credit card, now they are charging me interest.
Consumer complaint received 2016-02-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc. (PA)

This is for an XXXX visit. My insurance sent me notices that the hospital overcharged and to not pay over a particular amount. I have an EOB that says the hospital was paid in full. I have continued to get phone calls from this credit collection agency and now it has hit my credit too.
Consumer complaint received 2023-08-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NV)

I bank with XXXX so I rely on brick and mortar banks to withdraw cash. On XX/XX/2023 around XXXX, I withdrew money from the Wells Fargo XXXX ATM located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I selected {$250.00} to withdraw but only received {$200.00} with no receipt. 

I drove my car around to the front and parked. I first opened my XXXX account to confirm the amount withdrawn. It said {$250.00} ( the {$250.00} + {$3.00} ATM fee ). Then I went inside to report what happened to a human. 

I waited in line for XXXX minutes, then spoke to a teller and his colleague who asked me a few questions then provided me a business card. I was told ATMs are handled by a third party, so there is nothing anybody in the bank could do to help, and that I need to report it to that number. 

At XXXX, I went to my car and called the number on the card. I was told that I need to dispute this with my own bank as they couldn't do anything to help me since I'm not a Wells Fargo customer. At XXXX, I called XXXX and opened a dispute claim. 

On Wednesday, XX/XX/XXXX, I was notified that the investigation was completed and denied. Wells Fargo provided a paper copy of their records that the correct amount was distributed. 

I called XXXX at XXXX to follow-up, asking if they are able to ask for video evidence, as that would prove the full amount was not dispensed. I was told I need to talk to Wells Fargo as XXXX will not re-open the case without additional evidence. 

I called Wells Fargo at XXXX. I was told again and again that they can not help me unless I am either ( a ) a Wells Fargo customer; or ( b ) the bank. I was told I need to talk to my own bank for any further action. 

I called XXXX again at XXXX and explained that Wells Fargo is not willing to work with me since I'm not a customer, but would work with the bank. I asked if they are able to ask Wells Fargo for the video, as I have the exact date, time, and location of the ATM withdrawal. The XXXX agent told me again that the case will not re-open without additional evidence from myself. 

Now I am filing a complaint with CFPB against Wells Fargo.
Consumer complaint received 2023-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (TN)

After filing my original complaint with the company about the two issues I had the man who called me argued with me to try and do his job for him, he asked me specific dates regarding the calls where they wouldn't take my payments and the call where the company told me because I was XXXX I can do a repayment plan and they would fix the credit report which never happend again and again.. This man basically told me he needed specific dates from years ago to review the calls and said he would need proof and more information regarding my XXXX.. to my knowledge you already accepted my repayment plan in the beginning and YOUR company told me something your company now refuses to honor.., its his job to go and review those calls not myself and it was over 4 years ago how can i give you a specific date from 4 year ago i gave you a date range why don't you go do YOUR job and review those call periods?? .. he told me " no he wouldn't be doing that ''?? it's a simple request and he refused on all grounds and told me it wasn't his problem that the company they sold my loan too didn't have the forbearance documentation from covid.. well whos fault is it mine?? I never even signed a forbearance plan YOU just said I'm on it and i don't need to make payments.. So after you refused to take my payments and when you did sell the loan you just happen to forget to mention the most important part of the loan? I don't believe that was a mistake at all ... and I was forced to pay a Lump sum to the XXXXXXXX XXXX XXXX  to keep my house which I also found out was not true from this website where is says you have to offer payment plans.. i was never offered anything like that, I was told pay or good-bye house..
Consumer complaint received 2015-11-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called outside of 8am-9pm
Company: Diversified Consultants, Inc. (GA)

This phone bill was canceled, I instructed the phone carrier to cut the phone off because it would not be in use anymore, the rep said that they could close it out as long as the bill was paid or had XXXX balance. It was never closed, so the next month bill accumulated.
Consumer complaint received 2023-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (SC)

The Barclays MasterCard markets a XXXX college savings plan. It's a cash back rewards program that offers 1-2 % cashback to be used for college savings for a child. I had accumulated over {$2000.00} in my XXXX account. I authorized a transfer of funds to my XXXX savings plan. According to the XXXX website, the transfer was successful on XX/XX/2023. The funds were never actually transferred to my XXXX account. They do not have a customer service number. I have made numerous attempts to resolve the issues using their email customer service system, but they never respond. They have effectively stolen over {$2000.00} from my children.
Consumer complaint received 2023-08-16
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: HYUNDAI CAPITAL AMERICA (FL)

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 2022-08-04
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)

Improper reporting. Reporting a collections account XXXX XXXX that is not accurate and I never consent to furnish or create report. 

Incorrect reporting XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2016-08-07
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MI)

A guy was offering a service for a game. It turned out to be a scam after he had a buddy and myself send him money on paypal thru the friends and family way. But once he received the payment he stopped communications but has contacted others during this time. Have all the proof from the conversation and also have my buddies from them talking at the same time as he was avoiding me.
Consumer complaint received 2022-06-21
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: Experian Information Solutions Inc. (MD)

N accordnace with the fair credit reporting act XXXX  Account # XXXX, has violated my rights 15 U.S.C 1681 Section 602 A. States that I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 States that a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-08-16
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: WLCC (MI)

On XX/XX/XXXX, I sent a XXXX XXXX XXXX to Initiate Electronic Funds Transactions to Explore Credit and can confirm that they received the document ( attached to this complaint ). I have resent the XXXX XXXX XXXX to Initiate Electronic Funds Transactions to Explore Credit on XX/XX/XXXX. I also filed a complaint with your department on XX/XX/XXXX, for the unauthorized debits to my bank account. The complaint ID is XXXX. Explore Credit responded that there was a system glitch, and would be refunding the payment of {$680.00} and {$50.00} After all of this, again, on XX/XX/XXXX Explore Credit has taken yet another payment of {$50.00}. This has caused a great amount of financial stress. Im not a lawyer but isnt it illegal for them to take any more payments after the XXXX XXXX XXXX to Initiate Electronic Funds Transactions has been given to them?
Consumer complaint received 2021-03-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Asset Management Outsourcing, Inc. (MA)

I owed and paid my medical bill of {$210.00} on XX/XX/2020 to my doctor, XXXX XXXX XXXX formerly XXXX  XXXX  ). On XXXX XXXX XXXX XXXX services notified me by mail that I owed this same amount and it was originated from XXXX XXXX. I supplied by mail my proof of payment 1 ) my credit card receipt with transaction number details. Now yesterday XXXX XXXX I receive a notice from another collection agency ; Nationwide recovery service that I still owe this debt. The Forwarding agency is XXXX XXXX and Nationwide recovery received this claim on XXXX. 
I am XXXX and tried patiently to speak with a representative on the phone to provide my proof of payment details. They insisted I paid the wrong Doctor but I told them the name of the practice changed hands and it is the same debt that I paid on XX/XX/2020. 
I am mailing them my credit card receipt along with my credit card statement detailing this bill was paid - BUT I have no faith this company or the prior debt collector will follow through and investigate that I did in fact pay my bill. Both companies need to communicate with each other and the original collector XXXX my doctors practice ) that in fact I paid.
Consumer complaint received 2016-08-09
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: CORELOGIC INC (GA)

I contacted the company listed in this dispute about an unauthorized inquiries reflected on my credit reports. I advised that the credit inquiry by their company is damaging my credit rating. I requested full documentation and supporting information regarding the circumstances resulting in the review and placement of either a hard/soft inquiry on either my XXXX, XXXX, and/or XXXX credit file showing pursuant to the permissible purpose provisions of the Fair Credit Reporting Act. Since I did not authorized the review of my credit file by this company, I kindly requested the inquiry be removed. However, the company has not granted my request nor provided any supporting information resulting in permission and/or granted permission by me, the consumer, to have my credit file reviewed. Please view the company 's response. 
Therefore, I am seeking your assistance in this matter.
Consumer complaint received 2023-08-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Klarna AB (NV)

I made a purchase through Klarna but cancelled the item right after placing the order, die to buyers remorse. No Klarna is saying that I still owe the interest and fees associated with the order Cancelled the same day. I tried to contact Klarna directly to resolve the issue with the {$2.00} fee but they refused to help me. They put me on hold for over an hour then hung up. I tried to call back a second time and the same thing happened again.
Consumer complaint received 2021-08-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

capital one na on XX/XX/2021 text me with confirming venture card will arrive XX/XX/XXXX. I had security freezes and a fraud alert on all 3 bureaus and management on phone fraud Id theft verified they were blocked retrieving from XXXX, which verified admitting the ID theft fraud freeze filed with ftc and XXXX NJ pd affirming fraud existed. They have not removed any information on cra 's such as inquires and zero investigation information they required has been processed since XX/XX/XXXX immediately calling after 4 days since their reports of inquiries. No contact has been received yet fcra in at least 3 sections according to XXXX XXXX XXXX XXXX XXXX provided to represent which is investigating practices. This was fraud and need information on cras updated
Consumer complaint received 2016-12-13
Product: Debt collection — Payday loan
Issue: Communication tactics — Called after sent written cease of comm
Company: Federal Cash Advance, LLC of Oklahoma (TX)

I TOLD THE LENDER I COULD NOT PAY UNTIL A CERTAIN DATE AND TOLD THEM TO PLEASE STOP CONTACTING MY FRIENDS AND MY EMPLOYER. THEY THEN TOLD ME THEY COULD CALL AND HARRASS ME UNTIL I PAID. I INFORMED THEM THAT I COULD GET FIRED FOR THEIR ATTEMPTS TO CONTACT ME AND I INFORMED THEM TO CEASE AND DESIST AND THEY HAVE YET TO QUIT CALLING. I AM SCARED OF LOSING MY JOB. PLEASE HELP
Consumer complaint received 2023-08-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (IL)

Venmo suspended and froze my account with no explanation at all, other than to say user agreement was violated. I called them twice and spoke with two different representatives who refused to state why my account was frozen. I also emailed them twice. I finally received an email back from them and all they would say is my account was frozen for violating user agreement and they could no longer service me. They have not told me what user agreement I violated and I do not believe I did violate the user agreement. My money is still pending being put in my bank account. They appear to be a very sneaky and non customer friendly business.
Consumer complaint received 2021-03-24
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (NY)

I owe a debt on my Care Credit Card which is a credit card used to pay for healthcare. I do not have the money to pay the debt and I have verbally stated this to them via phone call. The debt collection agency is through Synchrony Bank. 

I have received 3-7 letters over the past two weeks and 7 calls a day for the past two week regarding this same issue despite having detailed my issue.

This is harassment. I have already stated I can not pay, i have acknowledged that I was notified of the debt and yet they continue to call me 7 or more times a day from XXXX XX/XX/XXXX- XXXX XX/XX/XXXX.
Consumer complaint received 2017-01-03
Product: Credit card — 
Issue: Billing disputes — 
Company: Bread Financial Holdings, Inc. (OH)

I applied for a Zales credit card, financed through XXXX, which gave me 0 % interest for 18 months, then 28.99 % there after. I set up automatic payments to pay off the balance before the end of the promotional offer. Comenity Bank then bought out my line of credit with XXXX without my knowledge, and the automatic payments stopped, making that payment late. Since I was inadvertently pushed past the promotional period, Comenity Bank is trying to charge an even higher interest rate not to the current balance of {$790.00}, but they 're trying to charge the interest rate to the balance that was over 20 months ago, which was almost {$5000.00}. The interest rate that they 're trying to charge is almost double that of the actual balance, {$1300.00}. I contacted Comenity Bank and offered to pay off they entire balance if they corrected the interest rate and charge it to the correct balance ; they declined.
Consumer complaint received 2023-07-26
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. (TX)

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. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 section 2 : It also. states a consumer reporting agency can not furnish an 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 2023-08-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (TX)

I XXXX XXXX had my bank account closed and my withheld because of a deposit I made was suspect of fraud. In the month of XXXX of 2023 the bank withheld {$4900.00} of my personal money.