davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-09
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION (NC)

I have been buying & returning from XXXX online for years and you have to pay out of pocket for shipping. I've bought hundreds this year and most items don't fit and are returned. On XX/XX/XXXX I returned 4 lbs worth of items, mainly overpriced panties. The exact amount of refund I should get is unknown because I always use coupons but if you go by the emails for what I paid I should have been refunded was {$220.00} and change. They refunded my kohls card {$46.00} and claim I have a balance of over {$1000.00} which is impossible. I attempted to chat online and wasted 15 minutes or more. I emailed the email on the packing slips and it is invalid. I have sent messages on the website and of course am told to call. I hate talking on the phone and why would I waste more of my time when I asked for a fax or correct email to send attachments of the shipping label and packing slips/emails with all the returned items circled and highlighted that I mailed with the items? Talking on the phone isn't going to let me show proof. I mailed copies of all this last week to corporate and have not gotten a response. They refuse to give me my refund and I have more items to send back and of course I can't since I know they will mess that up too. I have filed a complaint with the BBB and it is unresolved. I filed a dispute with XXXX and nothing was done/changed except a slight balance change from 2 payments. I'm about to report it to the AG and capital one who issues their credit cards. I told them to cancel my card/accounts and they have not, in fact last week they sent a nonsense email asking me to re register and sign up for e billing like I was a new customer. And they punish me further and ad insult to injury be sending a message saying they were upping my APR nearly 3 % because it wasn't fair new customers weren't getting the rate I was. Google XXXX   complaints sometime and you'll find thousands of cases of unethical if not illegal practices. https : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (NY)

I was buying a XXXX XXXX on XXXX ( do not recommend using ) and this seller said he would sell me it for XXXX XXXX but I never got it, so he ran off with the money, never responded to my chats on XXXX, and cash app support did absolutely nothing.
Consumer complaint received 2020-12-22
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. (KY)

I recently applied for vehicle financing and was denied because of a Recent Repossession. I pulled my report and could see that XXXX XXXX reported my previously financed vehicle ( XXXX XXXX XXXX, VIN : XXXX ) as repossessed in XX/XX/XXXX. That is incorrect, I traded that Vehicle in on XX/XX/XXXX to XXXX XXXX in XXXX XXXX ( supporting documents attached ). At the time of the trade in, my account with XXXX was in good standing, and the dealership paid the account in full. 
On XX/XX/XXXX I contacted XXXX to make them aware of the discrepancy, and asked to review my account. I provided all information requested. A week later, I received a letter saying they would not open an investigation because of lack of account information. On XX/XX/XXXX I spend approximately 4.5 hours on the phone with various departments within XXXX, and each one told me the same thing, I am unable to locate your old account, let me transfer you. 
This companys negligence has cost me money, time, and now the ability to finance a vehicle.
Consumer complaint received 2023-03-18
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. (IN)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2019-03-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: DISCOVER BANK (NY)

I had a Discover credit card that I was approved for approximately 18 years ago when I lived in XXXX. I moved up to XXXX XXXX 15 years ago and ran in to some financial problems a year or two later and could not pay my debt owed which at the time was around {$13000.00}. Discover did send me letters saying it was going in to collections, but soon after than all communications from them ceased. I never heard from them again until about 8-10 years later saying they took me to court and sued me for {$26000.00}. Again, after that all communications stopped. A few months ago I received a letter from the Sheriff saying that my wages were going to be garnished. I had an attorney contact Discover to make a lump sum settlement for the original amount owed, but they refused to make any kind of settlement for any amount. I know that I NEVER received any form of legal documents from them in the form of a certified letter or document and was never served at any time. I believe they violated the statute of limitations in regards to filing the lawsuit. XXXX  statute of limitations is 3 years and XXXX XXXX  is 6 years. I know they took longer than that to file the lawsuit. That in addition to never serving me or sending written notice of a lawsuit I believe makes the lawsuit illegal.
Consumer complaint received 2021-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: National Credit Systems,Inc. (MI)

I was never contacted about this debt or given a chance to respond to it. I don't believe the debt to be valid and I am currently gathering evidence to dispute it. This alledged debt was never verified and placed on my credit report without anyone ever contacting me at any point in time by any medium. 


On Saturday XX/XX/XXXX, I received a notification from XXXX that my credit score had changed. I pulled my XX/XX/XXXXand XX/XX/XXXX credit scores and found that I had a complaint against me from a company called national credit systems. This was for another company called XXXX XXXX. I called them both on Monday XX/XX/XXXX and it turned out that XXXX XXXX received a claim from an old apartment that I used to live at called XXXX house apartments. 

On Monday the manger of XXXX house apartments informed me that XXXX house apartments decided to replace the carpet after 7 years. I had lived there XXXX of the time. They charged me XXXX of the cost of a new carpet. I'd asked why they never informed me of this, she claimed to have sent a letter to an old address of mine on XX/XX/XXXX. I'd never received this letter despite living there at the time and having mail forwarding for this address until XXXX or XXXX. They also had my phone number and email address and never bothered to message me on those mediums either. 

My last contact with XXXX house apartments was with the XXXX who had told me that due to covid ( in XX/XX/XXXX XXXX that they wouldn't do a formal walkthrough with me. She'd told me that I was XXXX, and there were no observed damages. 

Apparently. sometime last year they made the decision to replace the carpet on my dime, despite there being no clause in the lease allowing that. As replacing normal wear and tear isn't something covered by the lease. They sent it to sure deposit as a claim. 

Then sure deposit says they don't actually attempt to contact people. They sent it on to national credit systems for collections. National credit systems claim to have sent a bill in XX/XX/XXXX to XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXMi. Which I had moved out of in XXXX of XXXX. My mail forwarding from that address lasted 3 months from XXXX of XXXX to XXXX of XXXX. 

If they actually sent a notice to the wrong address 6 months after I moved out, I would have no way of actually getting said letter. They also never called or emailed me, despite sure deposit a subsidiary having a copy of it. The representative I spoke to claimed that they called my number, but was unable to produce any logs of the calls. They also reported the wrong phone number as mine on my TransUnion credit report. I believe they called the wrong number. 

I actually rented an industrial rug washer from the hardware store and washed/cleaned the carpet before turning the keys over on XX/XX/XXXX into a dropbox because of covid the office at XXXXXX/XX/XXXX apartments would not meet me in person.
Consumer complaint received 2023-03-18
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 — Investigation took more than 30 days
Company: Loqbox US Inc (TX)

Its been over 30 days and the creditor ( LOQBOX ) has not updated the information nor has provided proof or documentation in regards to a late payment. 
They have not supplied this information and they must delete the alleged late payment on my credit report. 
Under federal law they had 30 days to complete the investigation, and by failing to do so, the item must be deleted from the report as soon as possible.
Consumer complaint received 2015-05-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Diversified Consultants, Inc. (CA)

I paid the debt in full. I was never sent a letter in order to validate the debt prior of payment. I was forced to pay at the time in order for me to get my apartment rental contract or I would be stuck without a place to live. They are collecting on behalf of XXXX. I never received letters from the debt collector. My apartment manager told me " you have an unpaid collection and it must be paid in full prior to move in ''. I was not aware of any collections on my credit report. They are reporting on all three.
Consumer complaint received 2023-03-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (FL)

I have been with Chase for over 20 years, and I have never experienced the arrogance and disrespect of such a bad as them. When I was in XXXX the country. My debit cards were stolen and were charged almost {$1000.00} from the ATM. They claimed the money was taking out with a correct pin number, but I have no idea how the criminals were able to pick the correct pin number and steal the money. But having said that, Chase refused to pay my money back, the transactions had happened on XX/XX/XXXX and XXXX of XXXX. These transactions were done XXXX after the other as much as seven or eight and I dont understand why Chase did not notify me of peculiar activity or at least send me an email asking if that was me in the transactions especially from a country like XXXX XXXX
Consumer complaint received 2020-12-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc ()

Dear Sir / Madame, I have had the most horrible experience with Paypal in the past months.I opened an account recently to make a funding to a forex broker thinking this would be a more efficient method than making a wire.I opened and set my account to EUR  as primary currency. I linked my debit card and proceeded to make the transaction on XX/XX/XXXX, XXXX 

All went smoothly without a hitch. I did not see anything out of the ordinary until I got my bank statement. To my horror the transaction to my debit card / bank was in CHF which triggered a conversion with my bank that cost me 4 %. Then that CHF was itself converted by Paypal to EUR to make the payment of XXXX EUR to the broker which itselfcost me another XXXX EUR  ( close to 5 % of the total ) .I asked why I was not warned or prompted in any way. I got multiple responses with a number of blatant lies. 

Some of the lies were " your bank reported your card as a CHF  card '', or ( even worse ) " you set it to CHF ''. I checked with my bank and they denied they had anything to do with this nor that they were asked for any info, and I know I certainly can not specify the card currency as I double checked by adding a new card and there was no way to specify currency. When I confronted paypal staff with this they then admitted Paypal set this to CHF  just because I live in XXXX. Now that is fine but the problem is Paypal does not notify me when they did that nor was their any warning when initiating or completing the transaction that was invoiced in EUR. There was no warning about conversion rate or cost or anything of the sort.Essentially I wound up with close to XXXX EUR cost in just this one transaction just because Paypal does not bother to warn of this.Even worse now I'm being told that I have to withdraw the EUR in my account ( which was returned by the broker ) as CHF - essentially triggering another 10 % cost of withdrawal.The absurdity of this situation bears no mention and I won't stand for it.I am asking for some sort of abatement / adjustment as none of this was my fault yet I wound up paying for this.I also need some sort of solution for returning my money to my bank in kind. I hold a EUR account and not CHF. And I will not accept another 10 % being taken from my money.I await your response on these 2 matters.
Consumer complaint received 2019-04-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (CA)

Our property was damaged due to flooding on XX/XX/19. We filed an insurance claim, obtained county permits, and did all the work according to county standards. When we received the insurance check and our mortgage company ( Flagstar Bank ) was listed as a payee, we promptly contacted our mortgage company on XX/XX/19, opened a claim, and endorsed our insurance check and sent it to them. We promptly completed all necessary paperwork for the mortgage company, and were told that they needed to complete their own inspection before our money would be released. I was told by phone on XX/XX/XXXX that once the request was processed ( two days ), an inspector would contact us within three business days. When that window passed and I emailed the company to inquire, I was was told in writing on XX/XX/XXXX that the window was not three business days, but 5-7 business days. 

Today is XX/XX/XXXX and we still have not been contacted by an inspector. I have called our mortgage company multiple times and have been given various reasons why the inspector has not contacted us yet. They will not give us the number for the inspector or release any funds to us until the inspection has taken place and their report is submitted. They have stopped responding to emails and every time I call I have to wait on hold for a long time to be connected to a supervisor, as they have told me they have no direct number. In the meantime, this is causing extreme financial hardship for us because we paid out of pocket to complete all repairs in a timely manner.
Consumer complaint received 2023-03-18
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: TRUIST FINANCIAL CORPORATION (MD)

I opened a credit card with SunTrust bank at the time of that event. I set up the auto pay feature to make monthly payments on time withdrawn from my checking account. However, SunTrust was purchased by Truist bank at the time of the bank purchase transfer. I was never informed that the auto pay feature that I set up with SunTrust bank would stop instead, I made the assumption that they will continue to deduct monthly payments from my account as the previous bank whom they purchased on XX/XX/2023, I was hit for a late payment by Truist bank for not making the payment on time upon contacting Truist bank, they acknowledge the error, and they promise to correct the issue by deleting the late payment, which they never did I was forced to file complains and disputes with the credit agencies, and as usual, the credit agencies reaffirmed the late payment without taking the time to investigate properly. At this point I have no one to turn to as I am trying to purchase, a home which the mortgage company declined because the reduction of my credit score I am looking for help from this agency to correct the grave mistake that Truist bank has committed. When a bank is purchased by another bank my understanding is that the purchasing bank will continue the practice of the bank which was bought in this case SunTrust. This information was conveyed to me by a representative of Truist bank. To this date Truist bank continues to show the payment as late, even though I took extra steps to go into their portal and set up a new auto pay, which was cumbersome to say the least. I feel that their unethical practice caused me hardship, and the decline of my credit score, which caused me the denial of my mortgage to purchase a house
Consumer complaint received 2023-03-18
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: BARCLAYS BANK DELAWARE (MD)

On my credit report, I had a hard inquiry from Barclays Bank DE as of XX/XX/2023. I contacted the bank by phone and sent a letter by fax on XX/XX/2023 to notify them that I had not applied for or opened any accounts/credit cards at their bank. I told them this was fraud and identity theft. They said an application for a credit card had been submitted but they would remove the application and mark it as fraud. I have not received a letter from them confirming this. They told me I would have to work with the credit bureaus to get the hard inquiry removed from my credit report. I told them that they had to fix this error due to it being fraud. To date, I still have not received a letter from them confirming that the application was removed and that they would provide an update to the credit bureaus.
Consumer complaint received 2023-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Main Street Holdings, Inc. (SC)

I had an account with Lancaster Financial Services in XXXX South Carolina. I paid on time every month and paid the loan off XX/XX/2023. My credit report is showing my payment status has not been updated since XX/XX/2023, and is still showing I owe a balance of XXXX. I have called the company several times and ask them to please fix the problem and nothing has been done, now my credit report is showing account needs attention. Please help to get Thai issue fixed.
Consumer complaint received 2023-07-20
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: TRUIST FINANCIAL CORPORATION (NC)

In XX/XX/2023, I took out a cash advance of {$750.00} from Truist Bank through the mobile app. I tried to pay off the loan and close my accounts on XX/XX/2023, resulting in Complaint # XXXX, where they refused to close my account. The reason the account wasn't closed was they were continuing to try to take a recurring payment for a credit card account that I had also closed the the same day. At the teller window, I told them about the line of credit and asked that it be paid off and closed at the same time. They did not have access to see the line of credit, and so when I stressed that I wanted to make sure it was paid off, they assured me all my debts were paid. 

Because the line of credit was not accessible to the teller, the line was not paid off, and the interest and fees continued to accrue. In addition, they tied the line of credit to my checking account and on XX/XX/2023, they reported both the line of credit and the checking account it was tied to as delinquent to the credit bureaus. I called the customer service lines and visited the branch and it wasn't until this week, XX/XX/XXXX, that the credit line debt was revealed. I am appalled that a bank could lend money and XXXX. ) Not allow someone to pay that money back at a bank location XXXX. ) Not keep a ledger or any records accessible on the app, by Customer Service, or by the branch employees, and XXXX. ) Not tell me about the debt until it was reported to the credit bureaus, and XXXX. ) Tie the debt to my checking account so that XXXX accounts were reported delinquent instead of just the line of credit. Moreover, I tried to close accounts, was denied the ability to close the accounts, reported the issue to this bureau and should have discovered then that there was an issue then, and not XXXX months later. 

I have since paid this off and I am now seeking to have this negative mark removed from my credit record. Having XXXX delinquent accounts has prevented me from getting a loan and has negatively affected my credit rating for XXXX months. Moreover, there was no transparency in this process and no one on the corporate side or the physical branch could or would help me until I planted myself in the branch office and refused to leave until they called corporate and figured out what the issue was. Even then, it took multiple visits to the branch and multiple phones from me and the banker to even figure out what the issue was. 

I am physically and mentally exhausted from this experience and appalled at the lack of transparency and complete lack of responsibility. I have been asked to provide cards and bank statements from accounts I thought I had closed, and repeated told to read my service agreements if I had an issue with my lack of responsibility in paying this. Banks should be required to keep records of their transactions and equip their employees to handled issues by providing access to their records.
Consumer complaint received 2023-07-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC (PA)

THE COMPANY IS ATTEMPTING TO COLLECT DEBT I BELIEVE I DO NOT OWE. THEY'RE FURNISHING INFORMATION ON TO MY CONSUMER REPORT IDENTIFIED AS IDENTITY THEFT AND NOT RELATABLE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2019-09-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s )  that I have made. It is the result of identity theft.