davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-27
Product: Credit card or prepaid 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. (PA)

On XX/XX/2022 I made a payment of {$3100.00} to my Citi bank credit card to payoff the balance of a balance transfer offer that was expiring on XX/XX/2022. At around the same time I agreed to an offer from the same company on a flex loan for {$10000.00} for the purchase of a major item. Instead of the payment for {$3100.00} being applied to the balance transfer offer that was expiring, they applied it to the flex loan of {$10000.00} I just received. At the time of payment, I assumed the flex loan was completely different than the remaining balance, as it was showing up on the statement as a loan. 

Wednesday XX/XX/2022 I contacted Citi bank about the issue. I spoke to 2 customer service representatives about this issue and was unsuccessful. I was offered a few subpar offers to rectify the situation that would have cost me more in fees. I am not asking for any money back. All I was looking to accomplish was to have my intended payment on XX/XX/XXXX be applied to the balance of the expired balance transfer offer that is now being charged 20 %.
Consumer complaint received 2022-07-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Plastiq Inc. (MI)

I authorized plastiq to withdraw {$3000.00} from my credit card to send a money order to my apartment complex. My apartment complex never got the check and I cant get in contact with plastiq to return the money to my credit card
Consumer complaint received 2018-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (MI)

Barclay bank has reported my XXXX account as delinquent, for 30-59 days when i have made my monthly payments on time, my last payment was on XX/XX/18.
Consumer complaint received 2022-07-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (NC)

I have recently called National Credit Systems to dispute the validity of this debt that has somehow appeared on my credit without my written consent pursuant to 15 USC 1681b. They said they have contacted me multiple times by phone however, being that it was during business hours I could not have answered. I finally called them back after until them leaving me a voicemail. I have not received any written letter regarding this debt that is not mine from anyone or anybody. Being said on XX/XX/XXXX I received my most recent credit report, which had a new collection account from National Credit Systems, which I did not authorize and that violates my consumer rights according to 15 USC 1692c. National Credit Systems has failed to provide me any proof of a contract that has my wet/original signature with the said owed amount to them. I called National Credit Systems yesterday and spoke with XXXX to let them know of my actions of cease and desist, deletion of the collection account from their system, report this information of deletion to the consumer reporting agencies, and a check of {$3000.00} as settlement of violations to avoid legal action by the consumer to said debt collector. Being that if a debt collector can not prove said debt by written contract between said parties they are in violation of federal law. This is a complaint in addition to the demands made yesterday.
Consumer complaint received 2021-04-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CITIZENS FINANCIAL GROUP, INC. (MD)

Back in XXXX I contacted XXXX XXXX XXXX and told them that I needed temporary alarm system for an investment property. They told me that through them I could get this service and once my home was sold I could transfer the service to the new home owner. Today I contacted the Company and advised them that I wanted to transfer the service. They then advised me that I needed to contact Citizens Bank because Citizens Bank is going to require me to pay off the loan amount since the loan isn't transferable. I never dealt with Citizens Bank when I initially signed up for this. I also wasn't made aware that the loan wasn't transferrable and that I would be responsible for a loan on a temporary investment property. Citizens Bank was never in the picture nor was it clear to me that I was actually doing business with two different companies. This is extremely confusing to the average consumer and I want to cancel my service with both companies without being penalized for misleading and inaccurate information that was provided to me when I initially contacted XXXX to tell them what I needed in a product. Citizens loan id XXXX
Consumer complaint received 2022-03-14
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/2022 I disputed two XXXX XXXX accounts and one XXXX account for date of last activity. As shown they are re aging my account. Which is a violation of the FCRA Act and impossible as all 3 are completely different. TransUnion verified all 3 accounts as correct, which tells me they are not investigating as they say they are. I have made multiple attempts to have a 100 % accurate credit report, which they are not giving me my right as the FCRA ACT states I as a consumer should have.
Consumer complaint received 2024-05-24
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (FL)

The Southwest Airlines Rapid Rewards Card administered by Chase is practicing very deceptive policies resulting in unexpected interest charges.

If you use your credit card to make any purchases after taking advantage of a balance transfer promotion into this account, ( generally a fairly typical 3-5 % fee up front to gain 12 - 15 months of 0 % interest, ) you then will pay very high interest based on the daily avg balance starting from the moment you make the purchase. There is no longer a 30 day billing cycle grace period. 

This is not stated prominently in the balance transfer offer. It's hidden very far down in the small print and I was totally unaware it would happen. 

More disturbing is that since the interest fees are based on the remaining purchase balance from the billing period prior to the current bill, it's impossible to tell what amount must be paid in any giving credit cycle to avoid interest. In XXXX consecutive months I called Chase to complain and request an exact amount I would need to pay to not have interest charges and each time I was told " you just have to pay all your current purchase charges '' Which is not accurate at all. None of the reps were able to tell me exactly what that dollar amount would be.

Although I paid thousands more than I purchased in the prior month I was still charged interest, " on the purchase amount that wasn't paid in full from the prior billing period '' The senior customer service rep I spoke with today admitted there is no way to tell what your unpaid purchase balance is on the bill, and therefore no indication of what payment you'd need to send to avoid all interest.

I have balance transfers with several other cards, all of which are active for purchases. None of them charge interest during the first 30 days grace period and all of them also clearly indicate an " interest saving payment '' amount for the current bill. Not Chase however.

Very deceitful and unreasonable. Chase refused to do anything about it.
Consumer complaint received 2020-06-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (WI)

On XX/XX/XXXX, my PayPal account was hacked and dozens of transaction totaling approximately {$15000.00} was stolen from other peoples credit cards, put in my account, and taken out on a debit card that was not my own. I was informed of this by one of the people whose cards was hacked ( NOT PayPay ). I contacted them on XX/XX/XXXX when I became aware of this. They recognized the problem, my password was reset and the fraudulent debit cards and accounts removed. They told me they would put an agent on the case and get the transactions removed. I called back a week later after nothing whatsoever had been cleared up and got the same story - that someone was working on it. 

I called again on XXXX and their customer service phone line was down, and message center had a multiple hour wait. I opted for the message center but it reset after a while and my place was lost. This is insane, they have acknowledged fraud, but are unreachable, and have done nothing to remedy the situation. Please help! I get calls daily by those affected asking where there money is even though I did not take it. I am at my wits end with PayPal, they have been absolutely abysmal in helping with this issue.
Consumer complaint received 2022-07-08
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. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX : XX/XX/1982 SS : XXXX I have several addresses on my file that I never lived at these address, they belong to my EX-girlfriend I have nothing to do with any of these addresses. I am a victim of fraud so I am trying to protect the integrity of my credit file the best I can. I have filed a police report in XXXX XXXX and XXXX XXXX. I found several accounts on my credit that are fraudulent and not accurate. 
XXXX XXXX XXXX XXXX XXXX PA, XXXX XXXX XXXX XXXX PA,XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX PA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA, XXXX XXXX XXXX XXXX XXXX XXXXXXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA, XXXX XXXX XXXX XXXX XXXX RI, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX PA, XXXX XXXX XXXX XXXX XXXX XXXX PA, XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX PA, XXXX XXXX XXXX XXXX # XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX # XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX PA, XXXX
Consumer complaint received 2024-05-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (CO)

Chase won't allow me to login to my account. 
I put in the account information and the card number and called and they haven't allowed me to view my account. 

I have a checking account and an investment account. 
An old credit card also. 

I was attempting to open a new account. 
It says I have an old account, but I called Chase and haven't heard anything. 

My old account was closed with a XXXX balance. 
I would like to apply to the {$300.00} direct deposit bonus. 

Account XXXX
Consumer complaint received 2022-02-17
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)

This consumer reporting agency has the audacity to profit from my personal information. But not correct it after Ive repeatedly sent letters and copies of my ID and proof of mailing address to correct it. 
For the last time, my name is XXXX XXXX XXXX. Not XXXX XXXX XXXX. Please correct my personal information before I I sue you for defamation of character.
Consumer complaint received 2019-09-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Risecredit, LLC (CA)

I have paid my loan on time every month and made the full payment as described in my contract for over a year now. Periodically, Rise Credit says they review accounts for possible refinancing without a credit check or any impact to your credit. I assume it's very similar to a credit card increase.Their criteria for being eligible states per their website ; " make at least the minimum payment due every month and on time '' and they will notify you once you're eligible. It has taken me over a year for me to become eligible to refinance and on XX/XX/2019, I finally got a notification that I can refinance. Once I logged into my account, I was met with a pop up notification saying that I can now refinance and that my new loan amount is now {$3500.00} which will add {$1300.00} to my loan which would be deposited into my checking account. I read through all their notices and consents which I agreed to. I got to the last page where it had me sign, date and submit only for the website to bring me to a page that says I'm denied. So I was approved initially when I was offered refinancing and now denied 5 minutes later after I signed my documents? Why would I be denied when there is supposedly no credit check? I got an email from Rise saying that XXXX   consumer reporting, a part of XXXX, helped them come to this decision. I called Rise to ask about this and they said I need to call XXXX. The Rise rep also said if something was inaccurate with XXXX, that I would have to wait again for Rise to flag my account as eligible again to refinance which could take another year. This is extremely false advertising and just a bad business practice by Rise plain and simple.
Consumer complaint received 2024-05-23
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: CL Holdings LLC (CA)

Received a text on XX/XX/year> from XXXX saying I owed a debt for a XXXX account. Said they were from " XXXX XXXX, a debt collector for XXXX. '' Told me to call XXXX or click a link for a portal ( I did not click it ). I reported the number as XXXX. 
Then received a text on XX/XX/year> from the same number telling me I still had a debt of {$1500.00} for XXXX, " for which the creditor is JEFFERSON CAPITAL SYSTEMS LLC. '' Told me to call the number above or also click a link ( I still did not click ). Responded that I do not owe for any XXXX account and to provide the account number associated, as well as their XXXX XXXX Nothing was provided.
Consumer complaint received 2019-01-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: I.C. System, Inc. (PA)

I received a letter dated XX/XX/XXXX from IC System alleging that I owe them {$220.00}. I have never done business with this company nor have I ever heard of them until I received this notice. I sent a letter to IC System requesting debt validation as per the FCRA. IC System responded to my request on XX/XX/XXXX by sending photo copies of a cable bill, with nothing bearing my signature, and placed this account on my credit report. 

On XX/XX/XXXX I sent another letter to IC System informing them that according to the FTC opinion letter from Attorney XXXX XXXX XXXX, photo copies of an old bill does not constitute verification. This letter was signed for by XXXX XXXX at IC System on XX/XX/XXXX. 

As of today, XX/XX/XXXX I have yet to receive any type of communication from IC System. This alleged account still remains on my credit report and is being reported by XXXX, XXXX, and XXXX. IC System is in violation of the FCRA & FDCPA. 

I am requesting that this account be immediately deleted from my credit report because it is causing damage to my credit file.
Consumer complaint received 2019-09-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CITIZENS FINANCIAL GROUP, INC. (FL)

XX/XX/2019, Citizens Bank took out for auto payments for {$730.00} two times, I called them to resolve the problem, was told they would mail me out a check on XX/XX/XXXX of {$730.00} because they have no way of putting the money back in my account. Here it is XX/XX/2019 still no check. I have called them every week about this, was told it takes 10 to 14 business days to receive. Just called them on XX/XX/XXXX no check, we are going to mail out another check, give it 7 to 10 business days now. I want this resolved asap. Thanks
Consumer complaint received 2024-05-23
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: CAPITAL ONE FINANCIAL CORPORATION (CO)

On XX/XX/year> I used my Capital One card to make a purchase on XXXX  website in the amount of {$94.00}. It was scheduled for same day delivery. However, the delivery was made to the wrong address and the items were never received. I contacted XXXX  who told me I needed to file a chargeback with my credit card company which I did. Since then the dispute has been denied several times. I have supplied supporting evidence that this merchandise was never received but Capital One refuses to reverse the charge.
Consumer complaint received 2019-01-13
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I made a withdrawal from my savings account. Upon looking at my ATM receipt I noticed that my balance stated {$390.00} instead of {$400.00}. Prior to the withdrawal, I had a balance of {$600.00}. I withdrew {$200.00}. My balance should have been {$400.00}. I noticed a charge of {$8.00} service fee. I had this savings account for years. I had never had any kind of fees for having this account. This account was a savings account. I then went to my car and contacted the bank. I was informed by the bank that my savings account had been changed to a checking account and that I the fee charged was a service fee for having that account. I stated to them that I had not authorized capital one to change any of my accounts or requested a new account. I was instructed that because I had made several transactions that my account was automatically changed. I have never heard of such. A few of the transactions made was my moving money from my checking account to savings and vice versa. This is the normal behavior of many who have a checking and savings account. I then requested to speak with a manager. The manager got on the phone refunded me the {$8.00} fee. I stated that you refunded the fee now but now I have to continue to address a fee problem from this point on when I had not had to before. I was told that I would need to now keep a specific amount in my account or be charged. I requested for the account to be changed back to the savings account. I was told that they could not do so. If I wanted a savings account, I would need to request a new savings account and close this account. I informed them that this is fraud and that the bank had no business changing my account and not first informing me. I found out about this by seeing the charge. This is another way for banks to make money by forcing their existing customers to take on new accounts and charging them for having them. I, the customer have not signed or provided authorization for this change. I informed them that I was recording the call and both individuals were ok with the recording. The manager stated that this information is written. The manager stated that if it was his account, he would be upset as well. I informed him that this situation is similar to the XXXX XXXX situation where the bank opened up many accounts in their customers names without permission. I want to send a strong message that this kind of behavior will not be tolerated. This has not been the first time to which I have made transactions, moving money from one account to the next or making a withdrawal. I was told because of my transactions and withdrawals that the account was changed to a checking account. I already have a checking account. I do not need another one. My bank is Capital One. The savings account is XXXX.
Consumer complaint received 2019-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I reported a account name " XXXX XXXX Account XXXX '' as listed on Experian website and my credit report. I have no recollection of what this account is. When I submitted a dispute to Experian to look into this, they reported results as being accurate. What is accurate? What is this account? Is there a signature I provided for this account? If so, that signature or contract needs to be sent to me to verify. I received ZERO proof that this account is mine or what it even is. The Fair Credit Reporting Act states that if an account can not be proven as accurate, it must be deleted. I am asking for deletion of this account from my credit report since I have been provided ZERO proof that this account is mine. Thank you.
Consumer complaint received 2022-07-27
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. (IL)

I wrote the bureaus a letter stating that they have improperly listed information about my bankruptcy. I requested proof of where they obtained the information regarding my XXXX and they responded by informing me that they received this information from the courts. I wrote the courts to confirm whether they furnish this type of information and their response was that they do not. The information listed on my report about my bankruptcy was inaccurately obtained, and inaccurately displayed on my credit report.