davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-14
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 (AZ)

I have a XXXX balance on my PayPal account and no unresolved issues or business with them. I have tried three times today ( online, and phone ) to cancel my account. Customer service was unwilling/incapable of closing the accounts. 
I want to minimize my online exposure to security threats and PayPal is being uncooperative.
Consumer complaint received 2018-06-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (GA)

They have been taking double payments out of my account and even if a payment is not due they are drafting one after telling me if it is not due we want draft and the statements say the same thing and now they have promised to repay an over payment and it has been a month and no repayment nor a note of explanation.
Consumer complaint received 2016-07-07
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (CA)

I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2017-03-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Ad Astra Recovery Services Inc (TX)

AD Astra has reported a collection on all XXXX credit reporting agencies. I have sent debt verification letters to the address listed here on XX/XX/2017 and XX/XX/2017 with an improper response validating this account, but no proper validation has been received. I have requested that AD Astra verify the following information. 1. Full original Account Number 2. Date original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of the first delinquency 6. Dates and times of any phone calls made and to what number in attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law. If XXXX is unable to provide the above identifying account information, this account must be deleted from all credit reporting agencies. AD Astra also failed to follow FDCPA by not sending a letter giving the consumer time to dispute or validate the alleged debt within the allowed 30-day time frame that is allowed by law. This company has constantly called my personal phone lines and this is prohibited in the State of Texas. The numbers are as follows, but are not limited to, because I have a very extensive call log from AD Astra : ( XXXX ) XXXX XX/XX/2017 @ XXXX, XXXX, XXXX, XXXX, XXXXXXXX ( XXXX ) XXXX @ XXXX XX/XX/2017 ( XXXX ) XXXX @ XXXX XX/XX/2017 ( XXXX ) XXXX @ XXXX XX/XX/2017 @ XXXX XX/XX/2017 @ XXXX @ XXXX @ XXXX ( XXXX ) XXXX @ XXXX XX/XX/2017 ( XXXX ) XXXX @ XXXX XX/XX/2017 @ XXXX XX/XX/2017 This account is effecting negatively on all XXXX credit reporting agencies. I have already notified all XXXX credit bureaus regarding this issue. Phone calls from AD Astra needs to immediately cease and this account needs to be properly verified as requested above or removed immediately.
Consumer complaint received 2018-06-15
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I had an unsecured personal loan with Citizens Bank that I had gotten when I was in their employ. A few years went by and I no longer worked for them and the loan was paid off. 

I thought everything was great and I still had a decent image of the company, so my fiance and I decided to open a joint checking account there. Then a few months after having the account, my debit card stops working on a Friday afternoon, which was odd because I had gotten paid that day and there was ( should have been ) a few hundred dollars in the account. 

I log into my online banking to see that {$280.00} or {$380.00} ( it's been a few months ) debited from my account and all it says is " dda memo ''. I know from working for them for over 5 years that this means that the bank itself has taken money for something you owe ( an account sent to collections ). Which I'm not aware of anything that I may owe, because I had paid off the previous loan and had received no correspondence in the last 2 years since I had banked with them that anything was outstanding. Also, nothing had been reported to a credit bureau. 

Best part is, they did this right before closing on a Friday night, so I'm frantically making calls to find out what's going on, only to be told that all the departments I need to talk to are closed and don't reopen until Monday morning. I spend all weekend with no money and not being able to pay the bills that money was to go to. 

Monday morning I finally get to talk to someone after being transferred a handful of times to find out that apparently my loan had been paid off, but for some " glitch '' the system never recognized the payment and the system decided I owed that money and just pulled it from the deposit account that I had with them. Basically an " oops, sorry, the computer messed up ''. They offered to fix the issue, however the refund of my money could take up to 48 hours to be refunded to my account. So, they can take money instantaneously but make you wait to put it back. 

I ended up getting my refund, but then about a month later I got a letter in the mail showing the amount and letting me know that the loan, which I thought had been paid off years before and had been reported to the credit bureaus as closed, was now paid and closed. 

All in all, just a ridiculous situation with some shady bank practices and I closed my accounts and will never bank with them again.
Consumer complaint received 2018-09-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (NY)

XXXX XXXX is defrauding consumers by not awarding points according to a promotion 's terms. 

I have an XXXX XXXX Visa card. They run a promotion several times a year, and each promotional period they cheat me and other card holders out of hundreds of points. 
The promotion states that for 3 months, the credit card holder will receive XXXX additional points each day they use the credit card for a purchase outside the XXXX XXXX brands. 

During the most recent promotion, on 8 separate days when I USED my card ( that is, took it out and made a transaction ), I did not receive the XXXX points. My account summary shows incorrect transaction dates. I called customer service and provided details of each transaction and requested the missing XXXX points. I received a letter dated XX/XX/18 stating their points were correct and they would not be issuing me the missing points. I filed a complaint with the XXXX XXXX XXXX. In response, Synchrony sent me a letter insisting their records are correct and they were going to give me XXXX extra points as a " courtesy. '' They stated they go by " transaction date '' in rewarding points. I tried to tell XXXX XXXX in this complaint that their " transaction '' dates do not correspond with the dates I " USED '' my card ( which is the wording in their promotion ) and that I had proof. They were unwilling to look at my proof. Synchrony sent me a print-out of my activity summary, including transaction dates. I will use their own printout and my receipts to prove they are intentionally defrauding consumers. I am attaching their letter to me and two sheets they sent me showing how they awarded points based on transaction dates. Two examples : Note their records show a transaction date of XX/XX/XXXX for Lowe 's at {$5.00}. Note that my receipt shows I USED my card on XX/XX/XXXX ( NOT XX/XX/XXXX ). And Synchrony Bank 's records show they did not give me the XXXX ponts for USING my card on XX/XX/18. Another example : Their records show a {$3.00} Walmart transaction date of XX/XX/XXXX. My records prove I actually made that transaction -- aka USED my card -- on XX/XX/XXXX. So instead of giving me XXXX points for the Lowe 's transaction that actually WAS done on XX/XX/XXXX, they wrongly applied the XXXX points to the Walmart transaction and did NOT give me the XXXX points for the Walmart purchase on XX/XX/XXXX. That's called fraud. The last two times they ran this promotion, they also cheated me out of hundreds of points.
Consumer complaint received 2018-06-16
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 (NJ)

Capital One closed my credit card after a return payment was submitted to them. The payment that was submitted was submitted from an account that was opened up fraudulently. I called Capital One and told them that I did not send the payment and to please open my account up as this was a fraudulent ordeal. I told them that I would send the paperwork from the bank and from USPS Postal General. I just want my account back. I haven't heard back at all from Capital One. With this ordeal my credit balance is double its limit and I am in the process of paying the money back as we speak.
Consumer complaint received 2018-09-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I used two credit cards of Bank of America to pay for a product belonging to " XXXX   Mastermind company ''. After the payment to this company I was supposed to receive a service, which they didn't provide it ( which this company has done this to many people, they are fraud and scam, which everybody including me has filed a complaint to FTC which you can see the complaint here in this link http : XXXX ) therefore ; I contacted the BOA and asked for dispute and I provide them with plenty and needed documents. The BOA did not do anything about it and they just say that because the contract says it is " nonrefundable '' they can not do any thing about it. I used other credit cards for the same issue, like XXXX and XXXX the accepted my reason and they really worked on it and they resolved it. 
the amount is {$5200.00} on card ending in XXXX and {$5000.00} on card ending in XXXX
Consumer complaint received 2018-10-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BBVA FINANCIAL CORPORATION (CA)

XXXX XXXX  has denied to return {$99.00} to me and close my account properly after they say a transaction from XXXX placed my account in the negative. I have spoken with XXXX recently for 2 hours and they are unable to find ANY record of them charging me {$99.00} dollars to my simple bank account. But XXXX XXXX told me today they will not Reverse the fee for XXXX and will close my account after 90 days of it being negative and refer me to a credit collection company even though i have given them all the proof that they are indeed WRONG.
Consumer complaint received 2024-08-29
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (FL)

XXXX XXXX was an overall XXXX  experience. We had the city of codes deem our unit  unlivable XX/XX/XXXX. They refused to fix the unit for months. The city gave them a deadline to fix the violations ( over XXXX violations ) and they did not do so. We ended up seeking legal help to get out of our lease, and our lawyer also gave them a deadline to resolve the issues or else we were entitled to move. Due to their lack of acknowledgement, we reached an agreement in XX/XX/XXXX, we would have to vacate the property, they keep our deposit + pet deposit and we pay {$1500.00}. That was the final amount all parties agreed upon. Moving forward, we would not owe them anything and they would not ask us for more. All XXXX members living in the dwelling had signed, as well as a member of management. Their funds were dropped off in the form of money order on XX/XX/XXXX before the business day was over. We had already moved and vacated the property by XX/XX/XXXX. We have images of mold growth that affected our health. Attached are urgent care documents supporting XXXX  and XXXX XXXXXXXX  being recommended. Previously I had no XXXX XXXX XXXX XXXX that would lead to XXXX. We requested a mold team be hired. to inspect and we were denied. In addition to the agreement, I have uploaded the Code Violations as well as email exchanges to our lawyer dated from XX/XX/XXXX. There was confirmation during our reinspection in XX/XX/XXXX, only XXXX out of XXXX violations were fixed plus the confirmation of rats was an additional violation added after the fact. We have every single email exchange and bit of documentation from XX/XX/XXXX until the matter was officially resolved XX/XX/XXXX. If further evidence is requested, we would be happy to provide. On XX/XX/XXXX, of XXXX. I was notified that I had owed a debt to XXXX XXXX XXXX for an amount of {$1000.00}. When reviewing it through one of the credit bureaus, it said this credit had begun on XX/XX/XXXX of XXXX and it was Delinquent by XX/XX/XXXX. In late XX/XX/XXXX, we tried to reach out to XXXX XXXX, but all workers that were present during our lease has been ( conveniently ) let go or no longer works there. Besides, XXXX, the very man I gave the last owed money ( {$1500.00} ) as provided in the " AGREEMENT TO VACATE '', in form of a money order ( XXXX  ), on XX/XX/XXXX before XXXX. He works there and they refused to let us speak to a XXXX XXXX. The current people who work there now are XXXX, XXXX and XXXX and they provided no help. 

This Credit has begun almost 2 years after we had settled to vacate from this apartment complex, with all dues paid. These dues were agreed upon by our lawyer and their legal team and we have all the documents to support this claim.
Consumer complaint received 2016-11-15
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CREDIT BUREAU OF NAPA COUNTY, INC. (NY)

Since XXXX I 've been receiving calls from a debt collection company, Chase Receivables. 
Their number is XXXX XXXX XXXX Their website is XXXX I 've checked with my XXXX banker and they 're not affiliated with XXXX XXXX They say I have a delinquent account They wo n't ever say what the account is because they say it 's federal law that I need to verify my identity first They tell me that I have to provide my DOB or my SS # When I do n't provide it they say that they need to make a note in my file that I 'm " refusing to verify. '' When I tell them I 'm not providing any information unless I see something in writing they say that they 've sent me mail, which has been returned They call regularly and when I do n't pick up they never leave a voice mail
Consumer complaint received 2016-09-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (TX)

My home was flooded twice ( XXXX and XXXX 2016 in which I asked XXXX for their assistance. I wanted help to make my payment and to avoid any derogatory information placed on my credit report. On XXXX XXXX, I called XXXX for assistance again so I could finish paying contractors to more back into my home. XXXX told me to pay XXXX and the next payment would be due XX/XX/2016 but I only had XXXX to spare. I asked several times would it affect my credit report because hey were mainly concern about the payment and not the customer. I made another payment in this manner and XXXX did not report a derogatory credit information. The payment was n't 30 days late yet which is why I continued with making the payment arrangement. If you are past due 1 day the robocalls start and they will call 8 - 10 times a day. Now I can not get a loan to finish repairing my home. DEAL WITH XXXX AT YOUR ON RISK!
Consumer complaint received 2024-08-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (AL)

On XXXX Midland Credit Solutions deducted XXXX from my paycheck to settle a debt for a credit card balance. My information was sold to this company for a percentage without verifying to me my debt. I have tried to get this collection removed from my credit but Midland Credit refuses to remove the derogatory remarks from my file.
Consumer complaint received 2018-06-19
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (MO)

I went into Best Buy to look for a new Television. When I was helped during my purchase, I was offered a Best Buy Credit Card. This sounded great having 0 interest for so many months. I made payments, sometimes not on time, but was told that they don't need to be on time as long as the amount is paid by the end of the promotional 0 interest term. So by the time that ended, my amount had grown, it seemed I was not making a dent in my original bill. So, I contacted Best Buy and was told that I had an insurance that was being charged to my card. I asked what this was for, I had never been talked to about this nor explained what this was. The kid who helped me with my original purchase, in my mind, should not have been in charge of signing someone up for something they can't explain in full. So, basically, from what I understand, my payments were being chopped down by this " unknown charge '' for insurance and never allowed me to pay off my debt. I know that I have paid over the amount I owe for my original purchase in total. This goes against federal regulation as being unfair/deceptive business practices and I know I am one of many across the country affected by them. I last contacted BestBuy almost 2 years ago over this matter and have not heard or received anything from them in the mail since. My wife and I are in the market for a new home and when I ran my credit, we found out I have a huge ding in my score due to this Best Buy credit card! Needless to say, there are no words to the frustration we have toward this! 

links to posted complaints : 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 2018-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NY)

I Am Having a Problem with my Credit Report for some reason Equifax Place a lock on my Credit Report Trying To Use Lock & Alert and this Problem is being happening for 6 month and Equifax is not allowing me to Access My Report and i have send letter to Equifax with my Social Security Number State ID And All The Documents they Ask For I Have Send it To Equifax and Equifax has not fix my Problem that i am Having with my Credit Report and i cant log in to my Lock & Alert and Equifax wont remove the Restriction of My Credit Report Please Help me With This Problem And I Also Requested Copy On My Credit Report With Equifax and they Have Not Send it to me Please Help me Resolved this Problem
Consumer complaint received 2016-08-27
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I get between 4 and 9 calls a day from kohl 's dept store..now their caller id went from kohl 's to XXXX. ..they call from XXXX to all hrs of the evening. ... I am having serious financial problems and am in forclosure..I am doing my best to pay my bills and the constant phone calls cause alot of stress
Consumer complaint received 2018-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

On XX/XX/2018 I wrote all 3 credit bureau a letter and mailed it cerified to stating I would like the bankrupcty that is being reported by them to be VALIDATED and all I recieved back are letters or updates that state item verified. They have not stated who VALIDATED and how it was VALIDATED. I wrote a letter to the UNITED STATES BANKRUPCY COURTS who replied back with a letter that states that the courts do not VALIDATE OR REPORT any Bankrupcies or share information with any credit bureau ever .... Futhermore after careful inspection of all 3 credit reports from EXPERIAN XXXX, XXXX and writing more letters to the 3 credit bureaus I keep getting the same old answer verified and remains till 202. All 3 credit bureau EXPERIAN, XXXX, XXXX  are reporting a bankrupcy with file # XXXX.which if VALIDATED they would know its wrong missing a number and letters from the case number. I then contacted my lawyer who further stated that the number being used is incorrect and that it all 3 bureau need to delete this inaccurate information from my credit report ASAP as they are in violation of FCRA 623 ( A ) ( 5 ).
Consumer complaint received 2022-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

XXXX XXXX XXXX MY CONCERNS WERE IGNORED Date opened XX/XX/XXXX Balance Paid in full Status Transferred, closed. 
DELETE PAYMENTS SHOWN AS LATE XXXX XXXX XXXX XXXX  REPORTING INCORRECT DATES Date opened XX/XX/XXXX Balance o paid in full and written off by creditor multiple years in arrow then sold the debt to it self and other creditor Status Transferred, closed DELETE PAYMENTS SHOWN AS LATE XXXX XXXX XXXX XXXX  Reporting incorrect information Date opened XX/XX/XXXX Balance {$24000.00} is incorrect Status Open. Balloon payment of {$3100.00} due XX/XX/XXXX DELETE PAYMENTS SHOWN AS LATE XXXX No contract with creditor. Creditor has fail to provide signature contract with original debtor Date opened XX/XX/XXXX is incorrect Balance {$4500.00} incorrect Status Collection account. {$4500.00} past due as of XXXX XXXX. Incorrect. 
Verify account or delete from my record. 
Creditor has written debt off multiple years in a row since XXXX. XXXX opens closes account without written notifications. 

XXXX XXXX contract with creditor. Creditor has fail to provide signature contract with original debtor. 
Date opened XX/XX/XXXX is incorrect Balance {$3000.00} is incorrect Status is incorrect.

Collection account. {$3000.00} past due as of XXXX XXXX. This reporting is illegal and it is infringing on my consumer privacy laws. 
Verify account or delete from my record. 
Creditor has written debt off multiple years in a row since XXXX. XXXX opens closes account without written notifications.