davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-30
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc (CA)

Paypal offers a purchase protection. I purchased a new ultrasonic cleaner on eBay and paid with Paypal. The item was dead on arrival. I contacted eBay and they told me I am covered under Paypal 's purchase protection. I checked the policy and I saw that I qualify for protectin under their policy. I called them and they filed a claim. However, they denied my claim. When I called back, they said they need the proof that the item was broken when it arrived. I told them I have the dead item and could send any proof they need ( e.g. the item if they want, a video, etc ). They said they will file a appeal and will tell me what proof to send. However, they have denied it again without specifying what kind of proof they need. It seems like Paypal 's Purchase Protectin is a scam. They keep filing and denying you for no good reason until you give up. In this case, have a dead item that I paid full price for trusting I was covered if things go wrong and now have no recourse. Paypal are not standing behind their promise. 
I expect Paypal to stand behind their Buyer 's Purchase Protection. It states they 'll reimburse for the full purchase price plus any original shipping costs. This is a seller that they have certified and if they are fraudulent they need to deal with directly. I placed this order based on the fact that I would be covered if things go wrong.
Consumer complaint received 2024-05-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (AZ)

I deposited a {$5000.00} check with Chase on XX/XX/24. The account was flagged by Chase and subsequently closed with a Debit DDA - Check Charge made on the account for {$5000.00} on XX/XX/24. I still havent received my {$5000.00} check back from Chase and theyve held on to my money for over a month now. Every time I call, the goalpost keeps getting pushed further out. Today is already XX/XX/24 and a representative I just got off the phone with asked me to wait another 4 days! Will I get reimbursed for the time value of money?
Consumer complaint received 2023-09-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: PNC Bank N.A. (OH)

This concerning by prior complaint with PNC, during my research I found that there was no XX/XX/2023 statement thus my {$200.00} payment from XXXX didn't post causing the Late fees. I have attached documents proving that possible fraud!!! XXXX the PNC has been no help at all!!!! My PNC expedited case number is XXXX.
Consumer complaint received 2023-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION (GA)

XXXX XXXX XXXX-debt buyer XXXX-DEBT BUYER {$2200.00} XXXX XXXX XXXX XXXX $ XXXX-collection NAVY FEDERAL CREDIT UNIONXXXX XXXX, XXXX XXXX sold alleged debt US DEPARTMENT OF EDUCATION-no contract {$70000.00} , {$36000.00} Identity Theft : FRAUD- NO CONTRACT NO LAW 15 USC1681 ( b ) XXXX What Species of Money did either of these companies provide? What Species of money you are demanding?
Consumer complaint received 2024-04-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Lockhart, Morris & Montgomery Inc. (MI)

I paid a bill on XX/XX/XXXX to a medical company. 
I received a statement to an old address for the same amount from this collections agency on XX/XX/XXXX. 
I called the agency to dispute the debt and the only way to resolve is to send via paper mail proof of my payment. Keep in mind this was 2 years ago. 
I called the medical company and they have my account closed out and paid. They also do not recognize this collections agency at all as they use another company. This looks like it is a scam.
Consumer complaint received 2023-07-10
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (PA)

In XX/XX/XXXX I took out a personal loan for {$10000.00} with Discover. I made the final payment for this personal loan on XX/XX/XXXX, in the amount of {$730.00}. This payment settled my account in full, completely paying all interest/principal that was due. Discover has not reported this payoff to the credit bureaus, and this personal loan account still shows as open on my XXXX credit report with a balance due.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (GA)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

" In light of recent investigations brought upon Equifax, I find that my consumer file is beingXXXX, XXXX irresponsibly tampered with. Over the past **4 years* | have made several attempts to remind you of your duty pursuant 15 USC 1681 . It appears you're intentionally and willfully being neglectful in remedying my affairs. 15 USC 1681e ( b ) assures that I am due, promised accuracy in my report based on federal law. I am making this call as another attempt to have these errors corrected on my consumer report. 15 USC 1681 ( A.5 ) says that after the reinvestigations. all of the unverified information must promptly be removed. You can see in32 vour system that this account was previously disputed without being thoroughly investigated XXXX not be vaifelor validated. ''
Consumer complaint received 2024-04-30
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A. (TX)

Good day, I called Citi 's hotline XXXX on XX/XX/XXXX to ask why my XXXX  XXXX card is still showing the {$2700.00} balance which I supposedly transferred to Citi. The first representative informed that XXXX XXXX should have received the payment since it's showing that the check has been cleared. I then called XXXX XXXX at XXXX and the agent told me they do not see any payments. I called Citi the second time and was told I entered the wrong credit card number and that I need to reach out to XXXX  XXXX and ask them to find where the payment went. I then called XXXX XXXX and was told they can't initiated an investigation since they are not the ones that did the balance transfer. I called Citi the third time and was told the same thing on my second call attempt. Called XXXX  XXXX again begging and crying for help since I kept being tossed around without any concrete resolution. Unfortunately, I was denied assistance again. Tried calling Citi again and spoke to an agent that I felt like tried to go an extra mile. She said she will start an investigation and there should be an update on XX/XX/XXXX. She told me to call XXXX XXXX again and tell them to provide information in case Citi calls them. I called XXXX XXXX and they said they can't grant that information request from a third party. I called Citi today and was told that I should have received a letter about the investigation on XX/XX/year>. I said that can't be right and I did receive a letter but it's just a confirmation of the balance transfer last month. He gave me other misinformation and finally put me on hold and told me that the investigation is still going through. I am filing a report now because I just don't feel assured that this will be resolved in a timely manner. I am now paying both credit cards with {$2700.00} each plus the interest it will incur. This is really a nightmare. I hope you can help me. Please. Thank you so much.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (NC)

There is an inquiry on my XXXX consumer report from JPMCB that I never authorized. I have no knowledge of this inquiry. I have tried to contact them at the number listed on my consumer report and the number is not in service XXXX XXXX.
Consumer complaint received 2023-04-19
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. (MO)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2023-10-27
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: Experian Information Solutions Inc. (TX)

It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.
Consumer complaint received 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Self Financial Inc. (TX)

I paid my Self account early on XX/XX/XXXX. I paid for it to be expedited out of my account. They waited till the 7th t attempt a withdrawal. They then proceeded to charge me an extra {$15.00}. This fee was never disclosed to me and I was informed that I either pay it or it will negatively affect my credit score. Which I took as a threat. So in my eyes this is now a case of extortion. Pay up or we will ruin your credit. That should be their motto.
Consumer complaint received 2023-05-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC (WV)

I have an FHA mortgage with Planet Home Lending. Loan number XXXX. 

Planet Home miscalculated the amount required for my escrow significantly, so I contacted them. They refused to lower my escrow. I figured they would just over charge me, and I would get a refund in a few months when they figured it out. This was a small hardship for me, but I could cover it. 

I paid {$1100.00} into my escrow to catch it up and went in to pay the rest today when I noticed they actually applied the {$1100.00} to my principal. I put this money into my escrow on their online web site. They did this at the same time they took my usual loan amount of {$940.00}. They moved money from my escrow to my principal. Now they still want the extra escrow and I have no faith they will apply it as such. 

I have a very low interest rate with them, and they appear to be trying to get my money before terms agreed upon. 

This is causing a hardship for me because now I have to come up with money to cover this. 

They need to apply the {$1100.00} to " catch up '' my escrow as that is why I put the money in there. The stress- I clicked on the option for this money to be put in my escrow. I did not intend for it to go into my principal. I can not afford to prepay principle right now.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

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  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Unauthorized Inquiries : XXXX XXXX XX/XX/2023 XXXX XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX XXXXXX/XX/2023 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (TN)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate.
Consumer complaint received 2024-05-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (KY)

Disputed this debt last year or 2 wasnt mine and they took it off from original and then debt took it and I disputed and it was removed and now its back on my credit when I told them this isnt my debt. XXXX no longer exists so why they keep trying make it seem like I owed them when I never had an account with them.
Consumer complaint received 2024-05-01
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MO)

Company named " Portfolio Recovery '' keeps calling me everyday. I have no idea who they are and what they want. After researching, they are known as a biggest debt collector company. As far as I know, I have no debt collection to my knowledge. Since nothing showed up on my credit report, otherwise I would know. They would call, then I would block the number. Next day, they would call me with a different number. Block new number, and repeat. If I would have something in debt collections, I would have received a physical mail about the collections and I haven't received any form of debt collection mail in years. I'm very annoyed and feel harassed by this " Portfolio Recovery '' company.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

PRA Provided statemets : Statement for XXXX XXXXXXXX XXXX shows a New Balance of {$1500.00} and {$69.00} Minimum Due. The same statement shows Available Credit ( as of XXXX XXXX ) was {$0.00} If the available credit is {$0.00} no transactions will be allowed. 

Yet, PRA second statement shows a New Balance of {$1900.00}. This statement shows a Previous Balance of {$1900.00}. This new amount contradicts the previous statement that shows that my Available Credit ( as of XXXX XXXX ) was {$0.00}.

Further, there are no transactions reported to support the {$1900.00}, as you may notice in the statements PRA submitted.

Requesting that PRA provide exact transactions that support the {$1900.00} plus {$4000.00} in fees.
Consumer complaint received 2024-04-30
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (NY)

I got a brand new Citi card in the mail and when I tried to connect it to my XXXX XXXX my account was flagged for fraud and could not verify my phone number even though its the same phone number I was calling from. They unlocked my account and told me to wait XXXX weeks for my letter in the mail Without any explanation as to why I couldnt use new card
Consumer complaint received 2024-04-30
Product: Credit 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: Bread Financial Holdings, Inc. (MD)

XXXX XXXX refunded {$2300.00} to my credit card on XX/XX/2024. I called the credit card company and was told that it would be deposited into my checking account in 3 business days. When that did not happen, I called again and was told that since I had made other charges on the card, that the deposit had been put on hold. I told the representative that I had made payments for those two charges in full, so that the {$2300.00} would not be affected. The last charge to the card was {$6.00}, which will be deducted from the credit balance. Currently, there are two credits to the account in the amount of {$53.00} and {$53.00}, for items that I returned to a merchant. I also redeemed XXXX Reward Points in the amount of {$50.00} in the form of statement credits. Now, the credit card company owes me a total of {$2500.00}. The last representative told me that the first representative gave me false information. She also said that the first representative opened a dispute file, which would further delay my receipt of my refund. I have locked the card and sent a letter, return receipt requested to the credit card company requesting to close the account immediately. I have also sent messages requesting my refund on the website. I have had this credit card for over 20 years. I may end up having to seek legal advice.
Consumer complaint received 2023-04-17
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: General Motors Financial Company, Inc. (SC)

On XX/XX/XXXX, I leased a new XXXX XXXX through GM Financial from a dealer in XXXX. At the end of the lease term in XXXX, I returned the car to another dealer in XXXX XXXX, XXXX XXXX. I had purchased and installed four Hakapolita Extreme Weather Hazard-rated tires for additional safety, and kept the original tires in storage bags for the winter season. I returned the car with the original tires in a separate vehicle, ready to be swapped in at some reasonable cost. However, the dealership advised me to sell the tires since the car was " going straight to auction '' and the condition of the existing tires was " good enough ''. 

GM Financial sent an invoice detailing excess wear and tear charges totalling {$850.00}, which I immediately accepted and paid in full. However, I disputed the charge for tire wear and tear since they refused the " like-new '' original tires. I informed them of their error via their first phone call to me, but they refused to take my word for it ( despite photographic evidence of new tires still in my possession ), they refused to investigate the issue and refused to get on a bridge call with me and the dealership to clarify the matter, stating that they were " not authorized '' to speak to that part of their organization. GM Financial refused to investigate the dispute ( citing lack of authorization ), then ruled against my claim without an investigation, and soon began to threaten me with consequences for non-payment of what appeared to me to be brazen extortion. 

On XX/XX/XXXX, GM Financial flagged my account as 90 days past due and on XX/XX/XXXX, GM Financial flagged my account as charge-off. In XXXX of XXXX, I disputed this ( now ) fictitious charge against me to the credit reporting agencies and, in retaliation, GM Financial then re-iterated the " charge-off '' against me on my credit report with the current date of my dispute, sending my credit score precipitously downward. 

At this point, I think the retaliation simply doubles down on the original extortion attempt. I believe they had unfairly ( but accurately ) profiled me as unwitting, unprepared and totally defenseless against them and therefore probably a compliant " mark '' / " patsy '' / " prey ''. And while I was cowed into grudging XXXX  of their abuse at first, their recent attempt to " pile on '' and to further brow-beat me has angered and insulted me to the point that I choose to fight back now.
Consumer complaint received 2024-04-30
Product: Credit 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: U.S. BANCORP (OH)

I ordered a scooter from XXXX. The scooter arrived, and the next day a second scooter arrived. I only ordered one scooter. I was then charged for both scooters. 

I called XXXX and they were not helpful. I took the second scooter into a XXXX store and they would not accept the return. They told me I needed to dispute it with my credit card. I have been in a dispute process with LCNB for months over this. They have denied the dispute multiple times and have sent me letters with incorrect information. I should not have to pay for an item I did not order.
Consumer complaint received 2024-04-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CrossCountry Mortgage LLC (OH)

On XX/XX/XXXX I found out my lender had paid taxes in XXXX to the wrong parcel. My property parcel was separated when I purchased it however XXXX paid property taxes from my escrow account for {$2400.00} to the original parcel in XXXX. I have called them numerous times asking for a refund and they have not contacted me one single time. Today I called them again, spoke with XXXX and she told me they have tried to get the money back but nobody is responding to them at the XXXX XXXX XXXXXXXX XXXX XXXX This is not true because my contact at the treasure 's office is XXXX and I spoke with her today and the only refund that has been sent is for the current lender and this was completed on XX/XX/XXXX only because I filled a complaint with you about them as well.
Consumer complaint received 2024-04-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (IL)

Chase is not releasing my money from a close account due to a XXXX claim that should have been completed within 35 days the claim was open on XX/XX/2024 it is now XX/XX/2024 its doesnt take until XXXX to complete a claim