davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NC)

Citi -Sears XXXX , will not issue my refund to my credit card. The item was returned to Sender-Merchant on XX/XX/2022 who is XXXX. XXXX issued the refund which is confirmed by their " Email Confirmation '' but Citi Bank is keeping my refund which is illegal and will not give the credit back to me. I provided the USPS Tracking Number to them which Citi Bank -Sears can see the XXXX item was returned back on XX/XX/2022. 

On XX/XX/2022 Statement attached, according to my Citi Sears Statement, this XXXX item is back on my statement twice as {$130.00} as recharge when the item had returned and refunded by the Merchant months ago. This is not right, plus I am double charged for a item I don't have and was refunded by the Merchant. 

Then on XX/XX/2022, Sears sent me a letter ( attached ) stating I have to unfairly pay for the XXXX Item that was returned to the Merchant UNOPENED since XX/XX/2022. 

This is not right and not justice. I feel like I am being SCAMMED by Citi Bank XXXX to keep my refund and to double charge me with interest for a item I properly returned months ago.
Consumer complaint received 2021-04-25
Product: Credit card or prepaid 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: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I had purchased a set of parts for my boat from a company located in XXXX. When the parts arrived I attempted to installed them as designed. The parts did not function and I engaged the company customer support for possible solution. The customer and tech support lacked the ability to fix or address the issue in appropriate matter. I asked for replacement or refund of the cost and the company disregarded the request. After numerous attempts to resolve this issue I contacted my Credit Card company to force a refund. I sent chat and e-mail logs regarding this issue. Detailed description with dates and times. The credit card company waited for over 4 months to come to a resolution ( even though the policy was 90 day turn around ) and has now refused the claim based on grounds that are not related to my claim.
Consumer complaint received 2021-04-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc. (CA)

My complaint is with Binance.US. I believe what theyre doing to me and other customers are criminal. They are holding my funds hostage and disabled my with drawl, trading, and deposits so literally no way to regain functions. Worst part is my money has been stuck in doge coin constantly going up and down and have lost over 100 thousand dollars due to these limitations also recorded me trying to withdraw and not being able too. Over the past 2 weeks Ive lost XXXX and issued many support tickets and never get a reply and one time I did and it was not related to my complaint I told them and then never heard back. On XXXX 2021 Binance.US sold two orders with no permission one for {$10000.00} and another for XXXX . I need this funding for a XXXX for XXXX and this is a urgent matter.
Consumer complaint received 2023-06-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (OR)

Dear PayPal Support Team, I hope this message finds you well. My name is XXXX XXXX XXXX, and I am writing to you regarding a pressing issue concerning my PayPal account associated with the email address XXXX. Recently, I have been informed of a permanent limitation placed on my account, which I firmly believe may be a result of an error. 

I am deeply concerned about this development as it has significantly affected my ability to carry out transactions, hindering both my personal and business engagements. Since I am confident that I have not violated any of the terms and conditions stipulated in the PayPal User Agreement, the limitations placed seem unwarranted and I kindly request an immediate review of this situation. 

Over the course of my account 's lifespan, I have always ensured compliance with PayPal 's policies and rules, maintaining the highest level of integrity in all my transactions. I am therefore genuinely perplexed by this unexpected restriction on my account and would appreciate a comprehensive re-examination of my account activities leading up to this decision. 

In light of the above, I earnestly appeal for the restoration of my account 's full functionality. I trust that upon a thorough review, you will find no breaches of policy on my part, and the restrictions will be lifted. 

I am eager to resolve this issue at the earliest convenience and would be grateful if this matter is escalated to the appropriate department for a swift resolution. I am ready to cooperate fully and provide any additional information required for the investigation. 

Thank you for your prompt attention to this matter, and I am hopeful for a favorable response. 

Best Regards, [ XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-25
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Home Loan Center, Inc. (CA)

On XX/XX/2021 submitted a requested to compare auto loan rates on Lending Tree with the promise it would not effect my credit or credit score. After this I received email alerts showing a hard pull on my credit from XXXX of XXXX. I also received calls and emails from said dealership. I contacted XXXX of XXXX and asked why they ran my credit. They told me Lending Tree provided the permission to run my credit and that multiple dealerships have been given permission as well. I called Lending Tree, they said they could do this even though their website promised not to. They stated that the information was in the fine print at the bottom of the " submit '' page. What both of these companies did was immoral and illegal, I gave no one express permission to run hard inquiry on my credit. Lending Tree 's website is extremely misleading and untruthful. 

XXXX XXXX XXXX
Consumer complaint received 2023-01-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I've been a CapitalOne customer for XXXX  year and a half. And a really good one. 
At first, I've obtained a Secured Credit Card with them with the limit of {$800.00} depositing {$600.00}, which I used during this time, and had a great use of it. 
I've always paid it fully and on time. I didn't have a XXXX XXXX and because of my good use, my score went up. 

After that I even got a XXXX Credit Card with Capital One, limit {$1500.00}. 
Which again, I've been using it and pay fully and on time. 

Since my credit card score only kept rising. I even got a nice credit card limit on XXXX, {$3000.00} on XXXX credit and {$800.00} on XXXX XXXX XXXX. 

Everytime I've paid for my statements, I used to deposit money in my CapitalOne bank account, and then paid through there, and it worked fine all the times. 

Recently, I had the terrible idea of paying through another bank, which is an option provided by CapitalOne app. I added my XXXX checkings account at CapitalOne app, I've validated this account at the app. And then I've made the payment of both my statements ( Secured Credit Card and QuickSilver ) through the XXXX checkings account. 

Statements : Secured Credit Card : {$80000.00} XXXX : {$76000.00} As shown in the screenshots, I had a XXXX XXXX enough to pay both statements at the time I've made the Payment. 

Days later, CapitalOne locked both my accounts saying that there was not funds. 
I called them and told them I tried to pay through XXXX checkings account. They told me that XXXX isn't allowed to make payments at CapitalOne like that, and because of that, both payments were rejected. 

I explained everything, and proved that the rejections wasn't me acting in bad faith, but the XXXX XXXX  XXXX, and that it wasn't my fault. And I even transferred the money from XXXX to CapitalOne right after and paid the balances as I should. They said that They would analyze. Many days have passed and now They closed both my credit cards. 

I definately don't think this is fair. I've been a great costumer, I explained everything and proved how everything happened. And even then, They just ignored and closed my credit cards. 
The very first reason I was using CapitalOne was to build score, and that's a thing I've been doing well for more than a year.
Consumer complaint received 2021-04-25
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mortgage Research Center, LLC (IL)

From XX/XX/XXXX until currently I pay no property taxes in Illinois since I am a 20 year retired veteran and 100 % XXXX and have an exemption from IL. I used to pay {$1700.00} until XX/XX/XXXX when XXXX XXXX mortgage started charging me {$1900.00} a month. I was told the increase of {$200.00} was for property taxes in an escrow account they just initiated in XX/XX/XXXX. I have called so many agents at XXXX XXXX XXXX and no one can remedy this problem. This is causing my husband and I great stress as we are both XXXX military veterans.
Consumer complaint received 2022-09-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act XXXX, XXXX, and TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) has violated my rights. 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Dear Sir/Madam, I am writing to formally dispute an entry on my credit report that I find completely unrecognizable. 
Item Description : * Creditor : Portfolio Recovery Associates This item appears to be inaccurate, and I demand immediate verification under the Fair Credit Reporting Act ( FCRA ). Should you fail to provide satisfactory proof of this entrys legitimacy, I insist that it be removed from my credit report without delay. 
I expect prompt action on this matter and a written response detailing the results of your investigation. 
Thank you for your immediate attention to this issue.
Consumer complaint received 2022-09-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Auto Now Financial Services, Inc., Phoenix, AZ Branch (AZ)

I have tried several times to work with my loan company in regards to my payments. They are unwilling to work with me. I lost my job due to being in a XXXX XXXX relationship. I explained this to them, but they do not care. My payments are due every 2 weeks in the amount of {$290.00}. I have been making payments of {$260.00}. Today I was told that my car payment is {$480.00} past due and the collateral is {$240.00} past due. I was told by the call center floor manager, that if I can not pay the collateral, I should not be driving their car. 
Also, DMV sent my plates to me. The call center manager stated that I still owe them {$98.00} for the plates and I will need to pay for that. He said there was a glitch with DMV that is why I received my plates. I paid for the plates with my down payment in the beginning in the amount of {$120.00}. That is what my loan papers state. XXXX, the manager, is very rude, very unprofessional and is requesting/demanding payment. Told me to borrow the money, which is what I already did to make this payment. 
I am not asking for a handout, I am asking them to be sympathetic to my situation.
Consumer complaint received 2022-06-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I sent a letter off on XX/XX/2022, to remove my personal information that I don't want on my credit profile. According to the Fair Credit Reporting Act 12 USC 1681, states I have the right to privacy. Also according to 15 USC 6802, NO Financial institution have any right to share mu information to a third party. Based on these inaccurate and personal information that has been furnished on my credit profile is a direct violation of my federally protected Consumer Credit Act. 

There is no third party involved in this situation
Consumer complaint received 2021-07-16
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: Experian Information Solutions Inc. (MA)

On multiple occasions I have disputed an account with Experian, XXXX, and XXXX. The original reason for the disputes was an account was showing twice. Same account, same info, listed twice and harming my credit twice. As of my most recent dispute, XX/XX/2021, the accounts have extended beyond the FCRA 's 7 year statue of limitation for reporting. The account, or both accounts rather, by FCRA rules, regulations, standards and or laws are required to be deleted. However, as of yet Experian and XXXX  refuse to delete the accounts. A dispute with XXXX  put in on the XXXX of XX/XX/2021, was approved and deleted within 20 minutes. The disputes put in with Experian and XXXX  on the XXXX of XX/XX/2021 we're denied and the accounts remain. The duplicate account has already killed my credit and the longer these companies ignore the laws and rules they are supposed to follow, the longer it negatively affects myself and people in this situation. These companies should have to compensate the people they XXXX over due to their automated systems.
Consumer complaint received 2022-05-13
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. (PA)

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. 
Here are a list of those accounts that have violated my rights. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MA XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, MA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX ) XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX ) XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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  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 2023-07-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Block, Inc. (PA)

I made a purchase for bitcoin and the withdraw has not reflected on my account. I called many times spoke to many people with no resolution. I am bothered that they are not answering me by online support nor by telephone. Cash app keeps blocking every transactions I make and it's becoming an issue. Now they are completly ignoring my concern by not answering me. Please help me resolve this issue. There was a transaction for the amount of XXXX $ and another for XXXX XXXX Cash app is not professional with handling concerns. This transaction was made on Sunday XX/XX/2023 today is Tuesday XX/XX/XXXX and still no resolution.. It should had not taken this long especially when it says the transaction has been successful, but its not reflecting on my Bitcoin. Please help me get my money that cash app is holding or blocking my transaction. I honestly feel unconfortable this is a form of harrasment and abuse of power. I don't appreciate this kind of business with cashapp. This is complain is for both sender and recipient for these transactions.
Consumer complaint received 2022-07-30
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. (MS)

This is my XXXX attempt to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any items in my credit report that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported XX/XX/XXXX XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX 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 2023-07-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (CA)

In XXXX I attempted to make a payment on my account which was refused by the bank. I attempted to resolve the problem with the bank but was stonewalled and not allowed to make any progress. All efforts to correct the situation were met with redirection to departments that couldn't help, resulting in more redirection. All attempts to make payment on the account were refused, putting the account into Foreclosure. XXXX XXXX I was granted the XXXX Forbearance and although it was confirmed by the bank, none of the benefits were ever applied to my account. All statements advised of pending Foreclosure during it. 
In XXXX I contacted the CEO of the bank to request assistance and he sold my mortgage to a shady mortgage company that has been forcing me to pay beyond my means and is randomly adding unexplained charges to my account. After making payments for a year and a half, my balance hasn't decreased, it's increased by {$30000.00} and they are not reporting any of my payments to the Credit Bureaus. 

I have sought out Attorneys, Real Estate agents, Mortgage Companies, Financial Institutions and HUD. None of them have been able to help. It's been 5 years of fighting this battle, so I am coming to you for help.
Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (VA)

I have had a mortgage since XX/XX/XXXX initially with XXXX  XXXX XXXX who acquired the loan from a predatory lender. I was with XXXX  XXXX XXXX from XXXX until XXXX at that time XXXX sold the loan to XXXX XXXX ( XXXX ) ; my credit report has been absent of any payments made on this account since it was transferred to XXXX XXXX XXXX. Therefore, if I try to obtain any mortgage refinance or looking to obtain credit for paying my mortgage on-time, this information is not noted.