davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-01
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (TX)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2018 ( XXXX & XXXX  ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.
Consumer complaint received 2020-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: REGIONS FINANCIAL CORPORATION (FL)

I have been trying to refinance my loan for a few months now, and recently I was trying with Regions bank which I have a HELOC with. While Regions mortgage pulled my credit for the refinance, my credit report shows an open balance and delinquent of {$880.00} from my HELOC. However I have never used my HELOC since the day I received it. Regions also is aware that I have never used the HELOC yet they say they do not have access to see why it is reporting a balance. This issue not only hindered my refinance with Regions mortgage, but at the same time it hindered my ability to refinance with two other lenders as well because when the other lenders pulled my credit, Regions still shows the {$880.00} balance and delinquent. I have statements to prove that I have never used any funds from my HELOC account. I have called and emailed regions about this and they do nothing to help. I have suffered a loss not only form the upfront cost to do a refinance, but also lost on a low interest rate as the rates jumped up as time passed on. I would like them to compensate me back for my appraisal fee and any other fees that I had to pay. And I would like them to honor my estimate and get me refinanced. I am a parent struggling to keep things going for his family and I am in XXXX need of real assistance. I need to keep my home.
Consumer complaint received 2021-01-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P. (FL)

The collection was deleted from my account with XXXX XXXX XXXX because it was deemed to not be mine since I have no affiliation with any of the companies involved. That company then sold the deleted item to Paramount Recovery Systems and they have put it back on my credit. I have contact the company in efforts to remove the item but they said they had no documentation of the debt in house, and I would need to wait 4-6 weeks to get the debt validated. Below is the Experian file with the deleted item. I would like this item removed fro m my credit ASAP. Thank you, XXXX
Consumer complaint received 2022-01-08
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (CA)

Problem XXXX : On XX/XX/23 I requested Moehla change my due date via phone to the XXXX of the month. We can not submit this request online. I have called every month, over an hour wait time and every month they say they have to put in a new request all over again. No changes! 
Problem XXXX : am enrolled in auto bill pay. I have been trying every month to get it to be take automatically but it does not do it and Moehla says they cant help and every month I have to do it manually despite having every number correct for auto bill bay. 
Problem XXXX : customer service is terrible, I get transferred multiple times, wont ever hear back from supervisors and they reps will hang up or transfer to automated machines for call backs. XXXX worker acted like she couldnt hear me! 
Problem XXXX : my job paid XXXXXXXX XXXX of my debt in XXXX and Moehla cashed it but wont add it to my account!
Consumer complaint received 2019-11-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One Bank was hacked this summer. Fraudulent charges began to be made on my card soon after. I called to report the fraudulent charges, close that account, and foolishly agreed to receive another " XXXX XXXX XXXX Capital One '' card. Charges continued to be made - to my old account and even the new one before I ever received it. I called again and was assured that the issue was/would be resolved, and that I would be billed only for the ONE charge I made at the beginning of the first billing period. Now, two months later, I receive a bill from Capital One for one of those contested charges, made to a XXXX XXXX XXXX  in Ohio. I live in XXXX Texas and have never been to Ohio. I called to ask why I was sent a bill for a charge I had already contested. After speaking with a couple of " representatives '' and put on hold numerous times, I finally spoke with a " Fraud representative '' XXXX who tried to tell me that Capital One had given me " two credits for one incident, '' and that the bill was correct. I asked the very simple, logical question : How could I be billed for his company 's error in charging me for a " credit '' that I never received financially or physically? How could I owe Capital One something I never got a product, service, or good from? XXXX kept telling me the same thing over and over, " We gave you two credits and now we are billing you for the credit we gave you. '' I began to get angry and told him I was not XXXX ( college degree plus ) and that I refused to pay this bill. I told him I would report him and his company, and that I would contest any further charges from Capital One with the aid of a lawyer. Thirty minutes ( or more ) after my phone call began, XXXX finally offered to give me a " goodwill '' credit to " pay my bill '' and make it a XXXX balance. My complaint with Capital One is the HASSLE of having to ( 1 ) Make this call ( 2 ) Spend so long talking about a  problem that is Capital One 's fault, not mine ( 3 ) Go to all this trouble for a simple resolution for what should have resolved by the first person I spoke to. I can not imagine how often people mindlessly pay these types of " bills '' to Capital One, and how often they argue with their " customers. '' I will never again use anything connected to Capital One. If I get another bill from them for the reported fraudulent charges I will file a lawsuit!
Consumer complaint received 2019-11-01
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. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2019-11-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (WA)

Chase offered XXXX bonus points on my Chase Sapphire card for opening a checking account with Chase and depositing {$75000.00}. 

I opened an checking account and deposited {$75000.00} there. 

In XX/XX/2019, I received an email from Chase stating that I will see the points on my next statement. 

I never got my points. 

I have called Chase probably 10 times, each time spending 20 minutes to 1 hour on the call. In addition to calling Chase, I have also called, and spoke with, the branch manager where I opened my checking account. The story they told me is as follows : ( 1 ) initially Chase mistakenly credited the points to a different credit card of mine -- a credit card that was not set up to get points. ( 2 ) then, they credited the points to an old account of the right credit card ( I had to get a new card because of fraud ). For some reason, the points were not transferred to the new card. 

Chase 's " research department '' started the " research inquiry '' process at least three times and each time erroneously closed it before talking to me and before resolving the issue. I have their phone number but they never pick up the phone and never call back.
Consumer complaint received 2018-09-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: AMERICAN EXPRESS COMPANY (FL)

I applied XX/XX/2018 through XXXX XXXX to acquire an American Express ( AMEX ) credit card. There are several false and highly misleading aspects of this process : 1 ) The number they have issued to me over the internet is not a credit card number according to the AMEX help center at XXXX. 
2 ) The AMEX web site states a credit limit of {$2000.00} which is fine ; what they did not disclose is that it can only be used for XXXX, not any other seller. This is a critical failure to fully disclose a limitation which renders the card useless to me at this time, as I intended to use it at another online vendor. 
3 ) The AMEX site states a delivery time for the actual card to be 3-5 days ; the help line above quotes 7-10 days. This is a false statement. 
4 ) The new card help line ( XXXX ) states the new card can not be delivered within the 3 day window which would have been helpful to me, and states they can not expedite the card to overnight status within the USPS. They stated if I had requested the expedited delivery while I was applying, they could have done that. Again, failure to disclose an option during the process that was refused after the fact. 

They require a {$2000.00} charge to validate an airline miles award which must be done within 90 days. It will be interesting to see if they renege on this one also. 

If the card can be overnight delivered to me, and can be used at other vendors than XXXX, my problem would go away.
Consumer complaint received 2018-09-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HSBC NORTH AMERICA HOLDINGS INC. (AZ)

I opened up a checking account on XX/XX/XXXX with HSBC bank because they promised a {$200.00} bonus. They never paid this bonus out despite repeatedly telling me it would be a matter of weeks or months. As you can see from the attached screen shots of the current same promotion they're still offering, the {$200.00} bonus should have been in my account by XX/XX/XXXX because of the 8 week time frame they give. They kept moving back the date that the funds would be available. After the 2nd time of telling me the funds would be available at a later date, I demanded they fix this issue and deposit the funds by the end of the business day. They gave me continued run around about how this department couldn't do this or that, and that they would have some people investigate the issue. I refused to buy any more of their XXXX ( lies ), so I told them to transfer all of my money in the savings account to my other much better bank. They said the transfer would happen within 3-4 business days on Saturday XX/XX/XXXX, and I still don't have the money here on Monday XX/XX/XXXX. This is consistent with their pattern of lying and not honoring deadlines they have given me for what they would do.
Consumer complaint received 2023-03-02
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (MD)

Debt was attempted to be collected by XXXX XXXX for 1 XXXX visit. The XXXX was a part of a week long series for being on an XXXX. ALL of the XXXX costs were covered by insurance, except for one ( this was filed under the wrong member ID of an old insurance card ). Attempted to contact XXXX, they were using the wrong insurance card for multiple debts owed. Attempted to call the insurance company to correct the insurance ID used but was met with a different representative everytime. This happened over months. In the end, nothing was fixed. XXXX  still used the wrong Member ID, therefore XXXX XXXX is still collecting a debt because XXXX  or XXXX XXXX had given the wrong member ID information. I have a XXXX document comprised of all the calls ( including time, date, and names of representatives spoken to at XXXX XXXX XXXX XXXX ). NOTHING was ever resolved, essentially, the same mistake was not corrected by XXXX  and I still owe the hospital money because of that
Consumer complaint received 2023-02-21
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. (NY)

I XXXX XXXX am making this complaint myself not a third party company. please do not close this complaint with out sending it to the proper places. I went to buy something on credit and noticed that there are some accounts on my report that i never signed up for so i am complaining that the credit agencies have done nothing to help me get these accounts off my credit even though i submitted a report and also a [ police report.
Consumer complaint received 2019-11-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the documentwhether it's a charge off? The balance is in fact wrong, please make sure toreverse it to XXXX or remove the item fully. Please also produce documentationto verify all the charges and credits in this supposed account that caused tothe extremely high credit figure you might have displaying on my account. Mydemand to present this records is a standard information demand in accordance withmy rights honored within the fair credit billing act. If you fail to give thesedetails per my civil rights petition, please make sure you quickly remove thisspecific wrong posting.
Consumer complaint received 2019-11-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF THE WEST (WA)

I opened a checking account with Bank of the West on XX/XX/2019 with the promotional bonus of {$250.00}. The terms of the deal required 4 consecutive months of direct deposit ( of {$250.00} or more each month ) starting the month after the account was opened. Once these requirements were met, the bank would credit my account with the {$250.00} bonus by XX/XX/2019. I have attached the terms of the promotion. 

I gave my employer my Bank of the West account information and they set up direct deposit to my new account, and I received deposits into my account on the following dates : XX/XX/19,XX/XX/19, XX/XX/19, XX/XX/19, XX/XX/19, XX/XX/19, XX/XX/19,XX/XX/19, XX/XX/19, XX/XX/19, XX/XX/19, XX/XX/19, XX/XX/19.

I did not receive a credit to my account by XX/XX/19. I called the bank on XX/XX/19 and XX/XX/19 to inquire about the bonus and they informed me that because there  was no deposit in XXXX, I did not qualify for the bonus. I provided my employer with the new direct deposit information on XX/XX/19, but direct deposit did not start on my account until XX/XX/19 because XXXX had to verify the account, so a deposit was not made in XX/XX/XXXX. I asked the bank to honor the promotion even though I did not have a deposit in XX/XX/XXXX because it was out of my control. 

I believe the requirement to have a direct deposit in the account the month after the account opens is not enough time, especially when the account is opened at the end of a month. The terms of the promotion are unfair.
Consumer complaint received 2023-02-23
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: EQUIFAX, INC. (NC)

These accounts have been reporting inaccurately. I wanted to dispute these accounts because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled these accounts before because it were not mine. These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, these accounts are unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete these accounts from my credit report.
Consumer complaint received 2019-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (TX)

I HAVE REALLY TRIED TO WORK WITH EXPERIAN CREDIT COMPANY THEY HAVE CHARGE MY CREDIT CARD TO many times I set up my account and everything once they have charge my credit cards of the amount of XXXX I was on a trail basic until XX/XX/2019, meaning they wasn't not force to charge my credit card, not only did they lied to me a consumer, they charging my credit card before the renewal date, they are committed fraud charges on my credit card. Then they lock me out of my credit report they still charging my credit card under false pretenses
Consumer complaint received 2019-11-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2017 ( XXXX & XXXX ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.
Consumer complaint received 2020-07-25
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: Paypal Holdings, Inc (NC)

On XX/XX/2019 I ordered a product as advertised online through a seller using PayPal as the service to transact through. I captured the screenshots of the product ordered. The seller delivered something entirely different than the product I ordered. I opened a dispute with PayPal. I also contacted my Credit Card Company, XXXX XXXX  XXXX to alert them. I spent months going back and forth between the 2 companies. Finally, XXXX XXXX XXXX stated it would have to be resolved by PayPal as that's where the transaction originated. I also tried to contact the seller in order for him to send me the correct item. He refused stating what he sent was accurate which is totally false. I am including the email communication between myself and the seller. I reported it all to PayPal providing the email history between me and the seller actually proving what was sent was NOT what I ordered. 

PayPal is claiming they can not issue a refund to me because it is beyond 180 days and that I need to resolve through XXXX  XXXX XXXX. XXXX XXXX XXXX states I need to resolve through PayPal which I agree with as the seller clearly falsely advertised a product for sale. I would NEVER have purchase what was sent, ever. And I explained this to PayPal over and over again. Additionally I kept communicating with PayPal through their online messaging system to insure my dispute stayed open but they closed it anyway. 

I feel it is worth mentioning that 100 's if not 1000 's of PayPal customers are or have experienced the same issue with them. PayPal 's XXXX page is overloaded with upset customers posting complaints because they can not get the issues they are having resolved by PayPal. PayPal polices the XXXX page quickly blocking and deleting these complaints calling them " repetitive '' post when in all honesty its hard working people who only want PayPal to resolve their issue. I also have screenshots of PayPal warning me they would delete my posts and block me, which they have done. 

People need to be made aware of PayPal 's BAD business practices so they can stay far away from them. We need your help in exposing this.
Consumer complaint received 2020-10-22
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: EQUIFAX, INC. (OH)

I sent out letters on XX/XX/2020 to all three credit bureaus noting inaccurate and unknown information reporting to my credit report and have yet to receive a response to them. It has been well over 60 days and by law I should have received a response by now. I feel as though I am being taken advantage of and ignored of the disputes sent. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me.