davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-25
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: SYNCHRONY FINANCIAL (RI)

On XX/XX/2023, I attempted to make a purchase of three Tickets on PayPal using a XXXX XXXX XXXXXXXX linked to my PayPal Account for {$2500.00} for tickets from XXXXXXXX XXXX XXXX XXXXXXXX decline the transaction, but it was put through by PayPal without my Knowledge, not knowing that said charge was made I purchase the tickets on XXXX XXXX on XX/XX/2023, for {$2100.00}. 
I only became aware of the PayPal transaction when I login to my account a month later. 
I haven't received the tickets from XXXX, so I disputed the charge with PayPal, but my dispute was denied.

Notwithstanding PayPal Policy states that if a customer didn't receive the item, it would be covered under their purchased protection policy.
Consumer complaint received 2023-09-16
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (KS)

I responded to preapproved Citibank credit card offers I received via mail. I was declined when I applied on XX/XX/XXXX [ Hard inquiry on XXXX ]. Then in early XXXX I received another preapproved offer. It was for a different card, so I thought maybe they were qualifying me for a different card??? Declined again on XX/XX/XXXX... I then realized I have a 2nd Hard Inquiry ... .but on XXXX XXXX So 2 hard inquiries and I get nowhere. On XX/XX/XXXX I finally called them because I've received 2 MORE PREAPPROVED OFFERS... they gave me the run around, said a supervisor would call me back within 2 days ... never happened. I received ANOTHER CITI Custom Cash Card Preapproval on Wed, XX/XX/XXXX, so I called again TODAY... finally got to a supervisor... they put it all as my fault when it is not. I am being victimized ( yes, I've both gone online to OPT out and called to OPT out of screenings/offers... but Citi doesn't seem to care and now that they have hurt my credit with 2 hard inquiries and I have even more preapprovals from them and they don't care that they are victimizing me and my credit score ... tell me it's my problem they didn't do anything wrong. I did my research ... and checked my 'soft inquiries ' on all 3 credity bureaus ... CITI has never done a soft pull to preapprove me ... so that eliminates that being their source. I think they are violating numerous consumer protection laws by fraudulently sending me preapprovals when they've declined me 2 times. I have to take a stand. They are obligated by the Office of the Comptroller of Currency to ensure they are utilizing valid data on any preapproved or prescreening Solicitation campaigns. They have violated my rights and, refuse to do anything. I asked that they remove my name from everything related to Citi, they remove the 2 hard inquiries, and that they further carefully reevaluate their credit card solicitations to minimize exactly what I am experiencing. They refused to do anything whatsoever, including excluding me from any solicitations from Citi. Please help.
Consumer complaint received 2020-05-11
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. (NV)

In XX/XX/2019 I gave my credit card over the phone to make a {$1000.00} deposit with XXXX XXXX  XXXX XXXX to hold a used XXXX XXXX XXXX XXXX XXXX  for me for 10 days so that I could arrange to physically inspect it and then decide to comply the purchase if the condition was as advertised on XXXX as I lived 3 states away and needed to drive 3 days to get there ( XXXX, NV to XXXX, CO ). The merchant never provided me any of his terms or policy as to forfeiture of my deposit or that it was non-refundable and I signed no forms from the merchant to this effect. Upon arrival the unit was in very poor condition so I asked for a refund. The merchant XXXX said he would need to check with the actual seller directly first, as title was in the owners name and not the merchant. The next day I was informed that the deposit would not be refunded to me. I immediately called and started the dispute process with Citi which took over 3-4 months. I was then notified that Citi resolved the matter in favor of the merchant since the merchant had the power to simply refuse my dispute. This is not acceptable to me. The merchant has acted in bad-faith and his false advertisement of the product induced me to waste my time, effort and money. My wife is a witness as she was with me throughout this transaction and unit inspection. Citi has al of my documentation in their dispute file.
Consumer complaint received 2023-05-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (FL)

I deposited $ XXXX with Citizens Bank to get access to better financing terms for my house. They will not let me withdraw the money without going into a branch, the closest of which is over XXXX hours away, despite repeated attempts to do so and no warning that this would be the case when I deposited the money. They told me I would be able to get an exception if I contacted the wire department, which then denied my request. I need access to this money and the bank is not being cooperative at all, telling me I will have to transfer it out over a period of months due to wire limit transfers.
Consumer complaint received 2020-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Army and Air Force Exchange Service (FL)

Credit disputes, I requested to have an accountdisputed throughmy XXXX  credit monitoring systemin regards to a Chapter XXXX discharge regarding my account. When AAFES responded to the dispute they automatically re-reported the same chapter XXXX discharge closedwith a new report date of XX/XX/XXXX when my Chapter XXXX was discharged and closed on XX/XX/XXXX resulting in my credit score dropping from XXXX on XXXX, XXXX to XXXX on XX/XX/XXXX the day they falsely reported the account again to the bureau. I haven't opened any new accounts, haven't ran up any charges to my credit cards, haven't bought any high end items so my report should take such a huge hit like this. The only reason my credit rating dropped vastly was because your double reporting and my account reflecting that it was closed on the XXXX of XX/XX/XXXX instead of the original court mandated date of XX/XX/XXXX. After my chapter XXXX discharge AAFES were only supposed to report once to the credit bureau. I respectfullyrequest AAFES update my credit report to update this issue and add the XXXX points back to my FICO score. I'm currently in the process of purchasinga home and AAFES has completed halted the process due to their negligentactions in falsely reporting the credit bureaus. I'm a XXXX percent XXXX XXXX Veteran and this has caused great damage to my future planningsofsecuring a XXXX  friendly home. I have attached my credit report reflecting such change. Thank you in advance for your support. 

V/r, XXXX XXXX XXXX
Consumer complaint received 2022-10-21
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

Apparently, my mortgage was sold to a new company and I was never notified or given any documents, confirming such so that I knew that it was valid. I received a note on my door one day, so I tried to call the number and it was not a valid number. Fast forward to now and I have a letter I received say they wanted to foreclose on my house and that Ive made no payments. However, I was supposed to be in XXXX forbearance all the way to XXXX due to my having XXXX and being hospitalized repeatedly I have emailed the CEO of the company I have reached out to the XXXX No one is holding up their end or working with me at all.
Consumer complaint received 2021-01-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CO)

Shellpoint Mortgage has not recognized our payments and continues to lack in response to effectively resolve our confirmed payments by XXXX XXXX. Loan recently sold to XXXX XXXX, with a forward of the outstanding payments, that were made in full and on time. XXXX has started a foreclosure process. We have full documentation and confirmation of all payment completed and cashed. We are in full support of moving forward with litigation against Shellpoint, XXXX XXXX CEO Shellpoint and team. This is completely unacceptable. STAY AWAY from Shellpoint!
Consumer complaint received 2023-07-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Aqua Finance, Inc. (SC)

A home security dealer, XXXX XXXX XXXX XXXX, tricked me into applying for this loan for a security system, however XXXX supplied me with zero equipment as I already had equipment through my previous alarm company, and I also cancelled the service with him within 30 days because I did not feel comfortable moving forward with him and his deceptive ways, however Aqua Finance is still charging me for equipment and a service I never received as they very well were likely scammed by this dealer.
Consumer complaint received 2023-07-25
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC (NV)

So I first had a wrongful repossession but I just returned the car I didn't want to deal with it anymore and was told the money I already gave them would be returned to me and now there saying there not giving it back to me after on a recorded line I was told that they would send a check that it will be to me within 20 days I waited 20 days no check called back they said that information was incorrect they would not be sending a check instead it was processed on the XXXX of XXXX to be returned to my bank card I paid within 5 days I waited 5 days now there saying that they don't owe me any money and the account is closed and everything I stated is on a recorded line thank you
Consumer complaint received 2023-07-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (NY)

These companies broke the law and violated 15 USC 1681 ( a ) ( 1 ) & 15 USC 1681 ( e ) maximum accuracy compliance and procedure they hired XXXX, XXXX, and XXXX who are furnishing inaccurate and unverified information on my consumer report. Proof of inaccuracies is attached XXXX XXXX XXXX Last reported XX/XX/2023 {$320.00} Open balance XXXX XXXX Original creditor CAINE & WEINER XXXX XXXX XXXX XXXX XXXX {$250.00} Open balance XXXX XXXX Original creditor This is making me lose confidence in the banking system due to these violations. I the consumer does not grant XXXX, XXXX, or XXXX the permission to furnish these inaccurate reports I demand that they delete this account from my consumer report. in accordance with the fair credit reporting act XXXX XXXX XXXX, and XXXX has violated my rights. 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-05-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER HOLDINGS USA, INC. (MA)

I have a XXXX XXXX account with XXXX XXXX that was linked to my Santander Bank account. I deposited a check given to me by a client in to this checking account, the check was bounced and as a result Santander put the account '' on Hold '' for 5 days. When it did it they never advised me of this-I did get a letter 5 days later advising me of this ; the same day the hold was lifted. In the meantime, not being aware that the account was on hold, I went in to XXXX XXXX, like I do every day, to buy coffee and a paper for {$5.00} for two days. These charges were approved in the store but subsequently rejected by the bank. When that happened, XXXX XXXX sent the two charges to a collection agency who in turn sent me two collection notices for {$40.00} each ( {$35.00} fee and the {$5.00} ). I tried to get the fees waived by the collection agency ( XXXX, XXXX, KY ) but they flat out rejected my effort. I then called Santander and was told that since they did not assess the 2 {$35.00} fees they would not refund them even though I pointed out that had they notified me when the account went on hold I never would made the two {$5.00} charges. When I appealed to a " Supervisor '' he also flat out rejected my request. While I am filing a complaint against Santander I do not think the collection agency or XXXX XXXX were exacttly consumer friendly.
Consumer complaint received 2023-07-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (TX)

I have dispute this account with all three credit bureaus several times. Most recently on XX/XX/2023. I asked for a contract and proof of debt. I have not received anything from the company validating or verifying this debt. I am not aware of the original creditor nor the debt collector, therefore I need validation to verify that this is indeed my debt. 

In accordance with 15 U.S. Code 1692G, I have already requested verification of this debt. The company has not responded well past the 30 days allowed for providing a response. Since this debt was disputed pursuant to the Fair Debt Collection Practices Act, the company is required to cease all collection of this alleged debt which includes reporting to my consumer report with XXXX, XXXX and XXXX.
Consumer complaint received 2022-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Dear Consumer Financial Protection Bureau, Both Experian Credit Agency and XXXX XXXX keeps reporting incorrect information to appear as new. First, there's been no new account charges on the XXXX account in more than 3 years. For the last few years, I've only made monthly payments on XXXX account ( and no new charges ). XXXX reported account delinquent to Experian XX/XX/XXXX. In addition to that, XXXX keeps reportng account closed by grantor multiple times XX/XX/XXXX. However the account was first closed XX/XX/XXXX. XXXX keeps reporting 2 - 3 times per month account closed in fraudulent manner. This is not a new account closure. I reported this information to Experian. Experian keeps allowing XXXX to make repetitive account closed postings to my credit report. Experian refused to remove inaccurate data. 

Furthermore, I provided to Experian proof of bank transactions showing account payments to XXXX. In addition to bank account payments, I provided XXXX 's account statement showing the same payment history. I've only made payments and no account charges. How can this account be delinquent when monthly payments made consistently? 

Next, XXXX posted account as delinquent XX/XX/XXXX with a past due balance. How can there be a past due balance on an already closed account with no account activity in years? There was no PRIOR past due balance. How can XXXX be allowed to make up a past due balance that's never existed? Again, I've only made consistent monthly payments on this closed account. XXXX is not applying payments to the account balance. 

Finally, I provided payment documentation to Experian and Experian keeps reporting inaccurate information provided by XXXX.
Consumer complaint received 2022-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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, Account name : XXXX  XXXX # XXXX, Account name : XXXX XXXX XXXX Georgia # XXXX, Account name : XXXX XXXX # XXXX, Account name : 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 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 2017-05-02
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

This is in reference to two complaint file with the CFPB ( Please see attached, I try to submit the notes below via " feedback '' however I kept getting the error message that the page was not found.   Complaints #  XXXX  and   XXXX   Both companies alleged to have sent the results summary was sent to of you for review On    XXXX   XXXX     2017,  However as of toda y   XXXX    2017 I h  ave never received anything from   XXXX   o r Capital. The y have validated the debt with  XXXX  without providing any supporting documents. As listed on the complaint files, my mailing addresss is :   XXXX ,  XXXX     XXXX   XXXX   XXXX     XXXX , CA  XXXX
Consumer complaint received 2022-11-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: UNIVERSAL COLLECTION SYSTEMS, INC (GA)

I called the Debt Collections Company after filing a dispute on my credit report for the collection of an improperly filed medical bill.

The Debt Collections Company insisted on taking personal sensitive information, and could not offer any information on the debt other than the institution who sold the debt to them. They could not provide contact information or further information on this debt.

I attempted to contact the Medical Institution regarding the improperly handled medical bill, with no response. They improperly filed the bill and were more than compensated by insurance already. They filed this debt improperly afterward, without any regard to notifying myself of said debt.

This information was also improperly filed on my credit report, causing me further trouble.
Consumer complaint received 2023-07-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Law Offices of Mitchell D. Bluhm & Associates (GA)

I received a letter from The Law Offices of Mitchell D. Bluhm & Associates , LLC Attorneys at Law about an alleged unpaid balance from XXXX XXXX XXXX XXXX. I disputed the amount owed outside my co-payment and what was paid through my employer. I since then never received any other communication from the XXXX XXXX XXXX about owing any balance. I sent two letters detailing to this attorney 's office that I dispute the amount owed and that I don't owe this amount, but in good faith asked for an itemized bill to show what their accusing me of owing, which I never received. A letter date XX/XX/2023 stated that the account was sold to XXXX XXXX XXXX, and that they're attempting to collect the debt on there behalf. I never had any correspondence with XXXX XXXX XXXX about them purchasing a debt in which I'm responsible for. The bill from the hospital shows a balance of {$0.00}, but a typed letter without a letter head was attached with my name an alleged balance. I do not owe the hospital or anyone any money and I wish to stop being harrassed by this The Law Offices of Mitchell D. Bluhm & Associates , LLC on behalf of XXXX XXXX XXXX.
Consumer complaint received 2022-11-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Received a call from a local number XXXX stating they were trying to serve me legal documents as I was being sued and needed to arrange a time for service. While on the phone I searched the XXXX XXXX XXXX 's website and found no lawsuit. This person gave me the case number XXXX and said I would need to call XXXX. I called this number and they advised they were with the XXXX XXXX XXXX XXXX XXXX in California and were calling because they were going to sue me for a Bank of America Credit Card debt from 2007 and that if I did not pay they were going to put a lien on my home. I advised that in Florida the debt is too old to file a lawsuit to collect that no lien could be placed on my home. He proceeded to yell that I wasn't paying my debts and called me a rat. While the representative 's demeanor and name calling is inappropriate the company is blatantly using shady tactics to make the consumer believe this is a real lawsuit being filed by calling from a local company and pretending to want to serve the lawsuit papers.
Consumer complaint received 2023-06-14
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.