davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-30
Product: Credit card — Store credit 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: Bread Financial Holdings, Inc. (MA)

I had an order totaling {$120.00}. I made a partial return totaling {$75.00} on XX/XX/23. There is a {$9.00} return fee so I should have received a credit of {$65.00} on my card. I paid the remainder of the bill and waited for my {$65.00} credit. On XX/XX/23 I received an email stating they received my return and were processing it. About XXXX week later I called and had to leave a message. Someone called back the following day, and I asked where my credit was on my card. They told me it takes XXXX business days and so I should wait another XXXX days. On XX/XX/23 I received a bill for {$66.00} ( {$65.00} plus interest ). I tried calling several times. When asking for customer service I am transferred to a medic alert promotion. I emailed and received a response to email more information, which I did. After that no one has gotten back to me. I am frustrated and closed my NY & Company card. I just want my card credited for {$65.00}. I returned some merchandise and they acknowledged that but are now trying to charge me for it plus interest.
Consumer complaint received 2023-12-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (TX)

I sold only XXXX things on pay pal and had gotten a complaint so they held my money once I worked things out with the customer and they were happy and the customer dropped the complaint I then called PayPal and they released my money I then thought everything was ok a week went bye and i was trying to make other sales and it said my pay pal account has been terminated after a review of my account and they were holding the remaining XXXX XXXX I have left in my account for XXXX  days I called the lady said there's nothing they could do I asked for a supervisor and they said the supervisor couldn't help me neather and only would tell me they terminated my account after reviewing it and never a real reason this is not right when my customer them selves contacted PayPal and dropped the complaint so no PayPal has a right to steal my money for XXXX I don't agree
Consumer complaint received 2023-12-30
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: CCF Intermediate Holdings LLC (TX)

Someone took out a loan online in my name from Speedy Cash. I never applied nor visited this place. Now I have {$720.00} taken out of my bank account from a loan I never applied to
Consumer complaint received 2017-12-14
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EOS Holdings, Inc. (NJ)

I have told this Company 's my bill should not be with you. The State of New Jersey do not have this Company 's is not listed with New Jersey Banking and Insurance so they can not collected a payment from me. Need your help please.
Consumer complaint received 2023-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I requested Experian to update my personal information on my credit report to remove all address, phone numbers, and employers on XX/XX/2023. Experian received my request via certified mail on XX/XX/2023. As a result, the information remains on my credit report. Therefore, they are in violation of the Fair Credit reporting Act. I would like for all information to be update.
Consumer complaint received 2023-12-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: U.S. BANCORP (FL)

XX/XX/XXXX to XX/XX/XXXX US Bank has secretly worked with property insurance carrier to cancel property insurance- see attachments.-Retaliation # 2 Retaliation # 1 - US Bank gives XXXX XXXX in XX/XX/XXXX, then cancels it for no reason at all in XX/XX/XXXX CFPB COMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX History : XX/XX/XXXX - Judge kicked US Bank and I out of Court after I reported to a third party regulatory agency and filed material proof in Court showing that counsel for US Bank had used false documents to get a default judgment against me in XX/XX/XXXX in a foreclosure action. Then counsel used court personnel to remove those material documents from the case after I reported that to another Court and Attorney. 

Once kicked out of Court, US Bank used other counsel to " cohearse '' me into signing a modification agreement-trying to maintain their hold onto obtaining money from me-which at this point is voluntary. 

The foreclosure case became a " null and void. '' Summary : The default judgment from XX/XX/XXXX is invalid and the modification they cohearsed me into signing while knowing I was on XXXX-not working is also invalid. 
Any money I pay them is a voluntary contribution. 
They are not satisfied still. 

They insist on using " harassive '' means trying to squeeze blood from a turnip or illegally take property that they have no standing to do. 

Since my first bout of unemployment and XXXX XXXX XXXXXXXX, US Bank has repeatedly not followed any guidelines or regulations outlined for mortgage service carriers/lenders ( not sure who they consider themselves to be ) to harass me incessantly using third parties of XXXX XXXX who are attached to this property in some way, causing me XXXX- I was diagnosed in XX/XX/XXXX, went to therapy for XXXX weeks, and now Im on medication for this condition that I did not bring on myself. 
( Diagnosed right after they starting harassing me again using Court Process in XX/XX/XXXX ). 

I have not been treated like a homeowner by US Bank. 
I have been hunted and preyed upon like an animal at the hands of US Bank for 7 years now.
Consumer complaint received 2023-12-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PENTAGON FEDERAL CREDIT UNION (TX)

I opened a Penfed checking account online in XX/XX/XXXX 2023. I provided all the necessary documentation that was asked of me at that time. In first week of XX/XX/XXXX2023, I found out that my account was locked. I did not receive any communication and I only got to know this because my online access was locked. I contacted the customer care on XX/XX/XXXX23  and they told me that my account had been flagged by the fraud services team and I needed to submit documents online to unblock my account. I submitted the my social security card, drivers license and utility bills as asked by the Penfed customer service. I called customer again on XXXXXXXX23and  this time I was told that while they can confirm that they received all the documents I uploaded, they cant unlock the account since only fraud services team can do it. They refused to transfer my call to the fraud service team. I called again the same day and I was told by another agent that the online document upload would not work as I have to respond to a letter sent to me by mail. I told them I never received a letter. They refused to give me any further information and told me that the account would remain blocked. I As of the date of writing this complaint ( XX/XX/XXXX23 ), my account is still blocked. I have not received any letter from Penfed or any other communication regarding my account. It is outrageous that I am not able to use my account despite providing all documentation they have requested of me.
Consumer complaint received 2024-01-02
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXX i received a refund check from my college in the mail, and i went to deposit it to my bank ( chase ) on XX/XX/XXXX. they told me the funds would be released on XX/XX/XXXX. then my account was held because they couldnt verify the phone numbers that was on the check & the customer service number due to it not showing in their system. i reached out to the bank that sent me the check and they said those are the only XXXX numbers that can be used to verify the check, weeks go by and still chase couldnt verify the check. They closed my account and said that since they couldnt verify the check, that the funds would be held in the treasury for XXXX  years and it would be sent back to the maker.
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: DISCOVER BANK (FL)

I contacted discover to tell them the account opened is not mine. They have now updated my credit report with some XXXX cell phone number that is not mine. The only phone number that should be to my name is XXXX with the name XXXX XXXX XXXX. Nothing else. 
And the address should only be XXXX XXXX XXXX XXXX 
All others are fraudulent and my information has been stolen. 
Why would I report accounts I owe nothing on!!! Think about it!!! Its fraud, please update the 2 accounts I flagged that are not mine and the phone number.
Consumer complaint received 2024-01-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc (NC)

Bull City Financial Solutions XXXX XX/XX/2023 not aware of this debt. 
XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2023 not giving information for this collection XXXX XXXX XXXX XXXX XX/XX/2023 not aware of this collection
Consumer complaint received 2024-01-02
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (MD)

I closed my account, however, I DO NOT HAVE A WAY TO DOWNLOAD MY TRANSACTIONS FOR MY TAXES. This is my data, I should still have access to my downloads. I have no statements because they were all electronic.
Consumer complaint received 2024-01-02
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: Bread Financial Holdings, Inc. (WA)

Hard inquiries were made to the following Credit bureau agencies including XXXX and XXXX. 
XXXX ) On XX/XX/XXXXXXXX XXXX made a hard inquiry accoridng to the XXXX report. Their address is XXXX XXXX XXXX, XXXX, OH XXXX. 
XXXX ) On XX/XX/XXXXXXXX XXXX  made a hard inqury according to the XXXX credit report. Their address is XXXX XXXX  XXXX, XXXX, OH XXXX. 
XXXX ) On XX/XX/XXXX, XXXX made a hard inquiry according to the XXXX credit report recently XXXX Their address is XXXX XXXX  XXXX, XXXX, OH XXXX. 

According to the XXXX credit report the following hard inquires were made reently. 
XXXX ) XXXX XXXX XXXX made a hard inquiry on XX/XX/XXXX. Thier address is XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX. 
XXXX ) XXXX XXXX made a hard inquiry on XX/XX/XXXX. Their address is XXXX XXXX XXXX Wilminton DE, XXXX. 
XXXX ) XXXX XXXX made XXXX hard inqury on XX/XX/XXXX. Their address is XXXX XXXX XXXX, XXXX OH XXXX.
Consumer complaint received 2023-12-30
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: CREDIT ACCEPTANCE CORPORATION (NM)

I tried volunteering surrender the XXXX  3 times. I called Credit Acceptance Corp and spoke with an agent and told them I was going to surrender the XXXX. I gave location where the XXXX was parked and was told it was going to be pick up. This was back in XXXX, Credit Acceptance Corp hold off on the repossession for the account to grow interest on the account. Now the XXXX value has down because of years passed. If it was pick up in XXXX, the value of the XXXX would be more then today value and it would have paid into the balance in XXXX. The left over balance would be less. Now the account pick up more interest and late fee. Also I finance the XXXX for {$22000.00} and Im told I have to pay {$33000.00} which the company has already added the finance charge for payoff. I thought the finance charge was only added each month has passed. The account would have been settle XXXX years ago if you only pick up the XXXX the XXXX times I called.
Consumer complaint received 2024-04-15
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. (UT)

In my view, the absence of documentary evidence on compliance reporting standards and relevant consumer law is a cause for concern. It is of great concern to me that this omission has not been made. I'd like to ask you to rectify this erroneous and incorrect report as soon as possible. Failure to do so may lead to legal recourse due to a failure to comply with the necessary legal obligations in those areas. In order to avoid any future problems, it is important to understand the precise nature of documentation which must be addressed. In the future, a lack of accurate and complete information could lead to unnecessary difficulties. In order to mitigate any potential adverse effects, it is therefore essential that we address this issue with a sense of urgency. I have recently obtained copies of my personal consumer credit report ( s ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( s ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( s ) following its earlier removal from reporting, without issuing the requisite XXXX day notice to me as mandated by reporting regulations that you MUST comply with. 
LIST OF ACCOUNTS BEING CHALLENGED ; ITEMS IN DISPUTE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$10000.00} XXXX XXXX - XXXX {$7000.00} XXXX XXXX - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-08-31
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late. I strongly request that you update my account to accurately reflect my payment history.
Consumer complaint received 2024-04-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2023-12-29
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC (GA)

I financed my vehicle through US AUTO SALES of XXXX, XXXX. I paid off my loan in its entirety XX/XX/XXXX and was told I would receive my title in the mail. My title never came and every time I tried to call I would be put on hold for hours and then when I finally reached a live person they would say they've already received my " request '' and hang up. This back and forth continued through the pandemic until US AUTO SALES closed their doors abruptly early in XXXX for unlawful business practices. My car remains in their name according to my tag office. I can't sell or trade in my XXXX XXXX without my title. I paid over {$300.00} a month for XXXX  months and paid off my loan. The title is rightfully and legally mine. Now that they are closed I have no way to retrieve it. Please help me. I know there is an existing federal lawsuit against them for double charging customers so I would like to add to the case against them.
Consumer complaint received 2024-01-02
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (MO)

My mother XXXX XXXX  this last XXXX. I appear as XXXX on the title to her XXXX. Kia Motors Finance is also shown on the title. The loan was paid off in XXXX XXXX XXXX after my father XXXX. I am not able to keep the XXXX due to financial circumstances. Personal Property tax, licensing fees, inspection/emissions, insurance, etc. etc. I want to sell the vehicle but I am not able to do so without a clean title. I can't get a clean title without the lien waiver from Kia Motors Finance.

I am not able to give you dates of action because I only spoke to someone one time. 
She told me I didn't need a lien waiver telling me that Kia Motors notifies the DMV and a new title is then mailed to the vehicle owner. I went to the DMV with this story and she said that is not the case in Missouri. The many many many more times I attempted to call Kia Motors I never spoke to anyone. The number will put you on hold .... for ever, then the phone will ring like it is going to put you through and then it hangs up on you. I have done this over and over and over and over. I tried to contact a KIA dealer for assistance and all he would tell me is that I have to call customer service. No help from him ..... 

What can I do to obtain this lien waiver?
Consumer complaint received 2024-01-06
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. (OH)

I have been communicating with these company for the past 6 months to remove inaccurate information on my credit report. The company has not given me proof that any of the alleged items belong to me. They are harming my personal financial life.
Consumer complaint received 2023-12-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (CA)

The Citibank XXXX XXXX and XXXX XXXX credit cards of mine were paid off and I called to have both accounts closed. XXXX for both XXXX XXXX XXXX XXXX XXXX XXXX  credit cards did not close the accounts. About 2 years later, someone committed fraud and maxed out the cards. Both XXXX XXXX and XXXX XXXX refused to provide me help. I made several calls to cancel these accounts, and after every call to cancel, I would receive yet another NEW credit card in the mail and have to call again to cancel it and ask why they keep sending me new cards when I cancel the accounts. Citibank has let thousands of dollars in interest compound into a debt far passed the cards ' legal limits. It appears they then sent the sums of debt to debt collection agencies that call non-stop.I don't know what to do. I will never shop at XXXX XXXX XXXX or XXXX XXXX again, and I refuse to ever use Citibank for anything again. Absolute crooks.
Consumer complaint received 2023-12-29
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: FIFTH THIRD FINANCIAL CORPORATION (FL)

The creditor is reporting to credit agencies that my mortgage account is closed, when it is not closed. I have disputed it through XXXX XXXX which didnt change it, and reported it directly to Fifth Third, but they did not correct the error at end of investigation. My husband is showing the account as open, by my credit report shows it as closed after several attempts to fix. Fifth third was not helpful in fixing their own reporting error and refused to help other than tell me to report it to credit bureau instead of fix. This has been shown as closed since XX/XX/2023 which has affected my credit report
Consumer complaint received 2023-08-07
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: EQUIFAX, INC. (LA)

I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2023-12-29
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BARCLAYS BANK DELAWARE (GA)

On XX/XX/2023 I submitted a balance transfer through XXXX XXXX ( card # ending XXXX ) to pay off a portion of my balance with XXXX XXXX XXXX ( XXXX XXXX ). The balance transfer was instead sent to Barclay card services with my XXXX XXXX account number - XXXX for {$2200.00}. It's unclear if I entered the wrong info or what happened, but that acct does not exist with Barclays. I contacted XXXX XXXX who submitted the balance transfer, and they said Barclays needs to do a payment inquiry and return the money. Barclays said they have no way to locate the payment and XXXX XXXX should be assisting with this. XXXX XXXX said they do not have the option to stop payment for balance transfers and my request to have it returned has been declined because there was no bank error in processing. My XXXX XXXX case number is XXXX submitted. The manager I spoke with at Barclays card services was XXXX in resolutions- XXXX.
Consumer complaint received 2023-12-29
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

Hello, I had an alarm system installed at my home via XXXX. I was informed that I had to take out a line of credit ( CitizensPay- Division of Citizens Bank ) to have the equipment installed. After being approved for the line of credit for the equipment, the system was installed. I paid off the credit for the equipment. However, after paying off the line of credit, I had returned one equipment item ( {$100.00} ). A XXXXt technician removed and the equipment was returned in XX/XX/2023. Ive been told many different things regarding the refund ( ex. Its on its way, the check is in the mail. ) When I called today, I was now told that this issue has to be researched. Ive been exceedingly patient, but I feel Ive been given misinformation about refund. As of today, the account is still active after asking for the account to be closed.