davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-02
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I communicated with my credit card company on numerous occasions to resolve a claim and implement the recovery for {$2500.00}. I provided them with answers to every question they had, they simply refuse to help me, and I am at my wits end here. I have told them the assets were taken under false pretense and misleading sales tactics and marketing, I have advised them that this charge is fraudulent in it 's original intents, yet still nothing. I have constantly advised them that XXXX XXXX did not provide the services that were anticipated, which is why I 'm eligible for my refund. I can not afford to give away any more of my money. Please speak to them on my behalf. They have not considered the matter at all.
Consumer complaint received 2020-10-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MD)

I ordered a XXXX XXXX XXXX via internet on XX/XX/2020 at XXXX XXXX   XXXXXXXX XXXX XXXX  for {$61.00}, order # XXXX, and paid through Pay Pal. The company advertises that it is XXXX Owned and Operated and facilitates shipping from NY and LA. On XX/XX/2020 my package arrived tracking service : XXXX XXXX XXXX XXXX   XXXX NOT from the USA as advertised, but from XXXX XXXX I was supposed to receive a XXXX, steel drum measuring 40cm x 40cm x 18cm, wrapped in hand-woven rattan as pictured and including all accessories listed. Instead, I received a tiny steel drum that measured 15.24 cm x 15.24 cm x 10.16 cm, NOT wrapped in hand-woven rattan, and missing accessories. I opened a dispute with Pay Pal on XX/XX/2020, Case ID : XXXX Transaction ID : XXXX. I explained I did not receive the item I purchased. They contacted the seller ( now using the name XXXX  ) and the seller said that if I returned the wrong item to XXXX, they would offer a refund. I complained to Pay Pal that XXXX XXXX did not send me what I ordered and the seller needed to send me a pre-paid return label so that I may return their wrong item back to them. Pay Pal said that even though it was that companys error, I had to pay for return shipping and return it to : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. I went to the post office to get an estimate and was told it would cost {$58.00} to return the package. I contacted Pay Pal back and reiterated again that I did not make the error and could not afford a return shipping cost of {$58.00} for an item I did not order. They told me that if I didnt return it, they would close my case and deny my dispute. Today, XX/XX/2020 they closed my case and denied my dispute. 
XXXX is clearly a fraudulent company. They are falsely advertising that they are a USA Owned and Operated company. They purposely send out low value items, in place of the original purchased XXXX. Then, duped customers must spend huge sums to return these unordered items. Pay Pal is facilitating this scam through their unfair return policies.
Consumer complaint received 2023-04-02
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: Bread Financial Holdings, Inc. (MI)

I was enticed to sign up for the XXXX XXXX because their website advertises that if approved, you can use the card same day either online or in store and get a 25 % discount on your purchase. 25 % off your first card purchase at XXXX today is at the top of list of benefits. So I applied and was approved instantly and given a {$4000.00} credit limit. A temporary digital card was added to my online wallet, and the website automatically set it as my default payment type. However, their system will not allow me to complete my purchase. It throws an error code that something is wrong with the card. After many multiple calls, online chat and even a store visit, a supervisor at the bank provider for XXXX credit card told me that the temporary card can not be used on the brand of product I am trying to buy. They told me to wait for the physical card. I went back and read the full disclaimer on the website ( https : //www.sephora.com/creditcard ) and there is nothing stating that the instant credit/temporary card would not be able to be used on certain brands, or otherwise. 

I feel that I have been misled by XXXX and baited to apply for their credit card under misleading pretenses. I could have purchased the product I want from multiple other stores, but I purposely close XXXX because of this credit card claim. Now I have to wait for the physical card to come in the mailthis was not stated on their website and had I known, I would have not applied for the card. I would have purchased the product elsewhere. 

I feel XXXX should be held accountable for misleading marketing about the ability to use the card immediately. It is not true in some scenarios, and they are baiting consumers.
Consumer complaint received 2022-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

In XXXX, 2019 I established an account with XXXX XXXX XXXX XXXX because I was unable to pay the full amounts due on my credit cards. My payments to them started in XXXX, 2019. I have made payments to them as agreed. I have not missed a payment since my account was set up. I have monthly statements from XXXX XXXX XXXX showing dates, payment amounts, and reference numbers for each payment to every creditor. My credit reports from XXXX, Equifax, and XXXX XXXX indicate that I have been 30, 60, 90, and 120 days late on some payments. This information is extremely inaccurate! My creditors give me credit for payments they received in later months for the exact amount they received in the earlier months when my account originated with XXXX XXXX XXXX I sent copies of my statements to XXXX, Equifax, and XXXX XXXX. I have asked them to delete the inaccurate information from my records. I have not received a reply as yet. This inaccurate information has caused me to suffer extreme financial hardship. I have been denied the ability to refinance my mortgage. I have received very low credit limits and very high interest rates on my new credit cards because of these inaccuracies. Please instruct XXXX, Equifax, and XXXX XXXX to immediately delete the inaccurate information from my records! 
Thank you,
Consumer complaint received 2020-11-26
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. (OH)

Looking over my credit report and notice there were fraudulent accounts that does not belong to me and never authorized any contracts and business with these companies. The following accounts are listed below : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-04-16
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio Recovery Associates is engaging in illegal and flagrant violations of the Fair Credit Reporting Act by reinserting previously deleted information on my credit report in an a flagrant and intentionally attempt to make the debt appear to be more recent that it really is. Portfolio Recovery Associates had previously deleted a collections account from my credit report however in retaliation for filing a prior complaint against Portfolio Recovery Associates with the California Attorney General 's office, they reinserted a previously deleted account into my credit report as a collections account in order to intentionally punish me which is not what the intent of the FCRA or FDCPA is intended to do. Portfolio Recovery Associates is engaging in illegal and flagrant violations of the FCRA and FDCPA.
Consumer complaint received 2022-02-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (CA)

My cash app debit card was access by a scammer for {$1200.00} dollars on XX/XX/2022 cash app. Said they would look into they was aware of their system was compromised and they completely ignored my complaint they never contacted me as they said they would after investigating ( i stop payment ... reported scam 5 minutes soon as i seen a lower balance they was rude. And carless
Consumer complaint received 2022-08-15
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. (FL)

Dear identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.
Consumer complaint received 2016-10-13
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NJ)

I closed my checking account with Santander bank USA. I had automated bill pay associated with that account. After couple of months, Santander bank sent the checks to payees where I had set up automated payments from my closed account. Those checks are bounced and vendors charged for bounced checks. When I called Santander bank, bank said this automated bill pay is outsourceed to XXXX and it is not Santander bank 's responsibility and Santander bank ca n't stop sending check even if the account is closed. When I called XXXX, XXXX said they ca n't do anything because information comes from Santander and that bank has to stop sending information. So XXXX will keep sending checks even if account is closed. Santander bank never disclosed all this information during account opening and did n't inform during account closing.
Consumer complaint received 2016-03-09
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC. (GA)

When I was in college I moved around alot. My identity was stolen using cards and other information that came in the mail. I had opened an account with Suntrust and they sent my card to one of the old addresses. Someone tried to use my card and Suntrust then placed a fraud alert on my account. I contacted them and told them what happened and they would not remove it. They will not even send me a letter or anything telling me if I owe them or not. This is causing me a lot of pain and suffering. I have not been able to open an account anywhere! They will not even allow me to dispute it. I have went through XXXX XXXX XXXX and they are still no help.
Consumer complaint received 2022-02-07
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: FCI Lender Services Inc. (IL)

I got an interest-only mortgage through XXXX XXXX XXXXXXXX for {$100000.00} for my property at XXXX XXXX XXXXXXXX XXXX, XXXX, IL XXXX. The property did not have a mortgage on it at that time. They also had me put my property located at XXXX XXXX XXXX XXXX up for collateral. The loan was supposed to be used to rehab the building. {$55000.00} of the loan went towards fees, taxes, insurance, and the water bill. I received about {$10000.00} at closing. They held {$40000.00} and was supposed to give it to me as I worked on the completion of the rehab. It was my understanding that I would get four {$10000.00} draws before XX/XX/XXXX, because that was when the payments of {$1100.00} per month would start. 
I received the first two draws of {$10000.00} but they started refusing to give me my money. It took a few weeks to receive {$5000.00} more. They wont give me anything now, but they take {$1100.00} per month directly from my checking account. This has caused so many problems for me. They are making it nearly impossible to complete the rehab and pay the loan back.

Based on their inspectors, who conducted four inspections, at {$120.00} per inspection, I have completed 99.79 % of the items listed in the Statement of Work. They want me to rewrite the Statement of Work now.

They took money from my checking account on the following dates : XX/XX/XXXX - {$1.00}, XXXX XX/XX/XXXX - {$1.00}, XXXX XX/XX/XXXX - {$1100.00}
Consumer complaint received 2017-09-26
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (CA)

I have two credit cards that have fallen past due through Comenity Bank. One for XXXX and the other for XXXX. They repeatedly call from blocked number, admitted to doing so and refuse to stop. I 'd tried to work out a payment arrangement before getting three months behind, and they refused that as well. 

They continue to call despite my earlier request that they stop, and communicate only through mail. Which they have not done. I had 6 phone calls from them via blocked numbers before XXXX this morning alone. I counted 9 yesterday, with one as late as XXXX. I want this to stop. I am already in the starting process of bankruptcy, and this harassment does n't do anything.
Consumer complaint received 2015-08-07
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (NC)

American Education Services has changed how payments are applied without clear notice - advancing due dates, due to prepayment, without my consent ). It has failed to adequately respond to issues with their direct debit payment system including notifications of processing errors solely due to their own internal issues. They have also failed to uphold the direct debit agreement, changing the payment amounts without my explicit consent or notification as I pay off my loans.
Consumer complaint received 2022-02-07
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: EQUIFAX, INC. (TX)

I sent letters to all 3 credit bureaus on XX/XX/2021, reporting inaccurate, unverifiable and fraudulent items on my credit report. I have yet to hear anything back from them, it has been well over 30 days. I have not received any a response from any of them. This is a violation of my rights due to not providing a notice of the disputes and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so. 

I demand these items I disputed in my letters to be blocked. removed and deleted from my consumer report immediately. I am trying to obtain credit and need the bureaus to respond. Please intervene and assist me with this request.
Consumer complaint received 2015-08-14
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Law Office of Michael J. Scott, PC (TX)

I have contacted this company three times. They continue to call and send letters stating the debt is mines. I have told them debt is not mines. But they continue to send a computer generated bill from the actual creditor. They are also contacting me claiming to be an attorneys office which is against the law.
Consumer complaint received 2015-09-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: FIRST CITIZENS BANCSHARES, INC. (SC)

I had a mortgage with First Citizens and made a payment of XXXX and came to find out that they had foreclosed on my house. I called the bank and was told that I would get that money back because they could n't accept a payment when it was foreclosed on. I have waited for 6 months and have n't gotten anything back from them and I want my money back. I do n't understand how they could take my money and it being in foreclosed on.
Consumer complaint received 2016-09-21
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Law Office of Michael J. Scott, PC (TX)

In XXXX of 1997 the Law Office of Michael J. Scott, P.C. filed an Abstract of Judgment against me for a XXXX XXXX credit card account debt that is not mine. I am currently a XXXX XXXX customer in 'good standing '. XXXX XXXX has n't informed me of this allegiant past debt and I have never had a XXXX XXXX account with a of {$2100.00} balance. The Law Office of Michael J. Scott P.C. in XXXX, Texas failed to accurately identify the person who owes this debt.
Consumer complaint received 2016-07-25
Product: Debt collection — Medical
Issue: False statements or representation — Indicated committed crime not paying
Company: TENET HEALTHCARE CORPORATION (TX)

I was contacted by Central Financial Control about a medical bill, I explained I needed proof of the charges, I was told if I did n't pay the bill in full it would be reported to my credit. I paid it in full but they still put it on all XXXX credit companies. I have explained to them that I never visited XXXX XXXX XXXX but they insisted I pay {$300.00} or risk hurting my credit. I have disputed this claim with them and they refuse to correct my credit. I was told it was a crime to have services preformed and that I was refusing to pay my debt. they made me feel like a dead beat, I paid the {$300.00} to avoid issues.
Consumer complaint received 2024-02-25
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (OH)

I paid the bill in full to XXXX witch at the time was XXXX dollars but they then shut my cell phone off and prevented me from using my phone during XXXX this was back in XXXX  then they charged me XXXX dollars I refused to pay more than what I owed and they put it negative on my credit report and it was reported for that way it went past the Ohio state of limitations witch is now XXXX  years finally it was removed from my credit report a month ago but today XX/XX/XXXX it has returned under Jefferson capital collection company again for the same amount XXXX dollars I am being scammed for more money than I actually owe and it should not be on my XXXX credit report or XXXX or XXXX report I will not be threatened or intimidated to pay far more than I have already paid directly to XXXX the account was paid in full and should not have ended up on my credit report I call this completely fraudulent
Consumer complaint received 2023-05-23
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)

XXXX XXXX Reported a Contractual Dispute as a " Loan More than 90 day 's late '' All payments to XXXX were made via Auto Pay collect the XXXX of each month by XXXX. 
After many complaints to XXXX about lack of cell service in my areas and lack of credit where due as per contract. Nothing was ever taken care of by XXXX. I was forced to leave XXXX and went to XXXX XXXX XXXX on XXXX XXXX. 
XXXX filed nonpayment 's complaints 5 months later on into XXXXXX/XX/2023 for {$490.00} an amount subject to Arbitration '' as it is an " Contractual Dispute '' Not any type of Loan nor any type of late payment. 
XXXX failed to credit {$500.00} trade in phone amount, failed top give as agreed {$350.00} Visa Card, Failed to credit back account for the charges of a XXXX XXXX XXXX XXXX XXXX. all this were promotional items, Them also the XXXX coverage was next to none at my own home, XXXX, CA XXXX miles XXXX XXXX XXXX, CA, bad or none in XXXX XXXX CA, none in XXXX, CA, very poor in XXXX XXXX, XXXX XXXX XXXX. I was not able to continue with a company that clearly was failing to provide even the basic of service. Now they further rub salt in the wound as to file charges against me in my stellar credit reports of many excellent on time never late payments,
Consumer complaint received 2023-06-27
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (TX)

I took these private student loans out from American Education Services at the age of XXXX. I did not fully understand what type of jail sentence I was signing up for. I have paid back more than what I borrowed. The interest ; however, is killing me. I have tried to call and have my payments lowered and have been told that I have used all of my options. These student loans are private, so even though I would qualify for student loan forgiveness - that is not an option. There are no options for help with my {$750.00} payment. I am drowning. I can't even die and it be okay because I had family members that were kind enough to co-sign for me. If I die, they will be straddled by this insurmountable debt. It should be illegal to take advantage of young students like this.
Consumer complaint received 2022-08-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION (GA)

On XX/XX/22 I received three emails from Truist Bank that a personal checking account had been opened in my name. My full name was on the email with the account. I called Truist to confirm and they did confirm an account had been opened in my name. I was told that someone must have my name, address, date of birth and social security number in order to set up an account, but that the phone number doesn't have to be accurate. I called Truist and they closed the account and forwarded my issue to their fraud department. They are supposed to call me if additional information is needed, but I wasn't given more information than that.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIZENS FINANCIAL GROUP, INC. (MD)

While checking my credit report I noticed some unauthorized and unverified hard inquiries and late payments on my XXXX, XXXX and XXXX credit report, I have tried to dispute them but was asked to provide an FTC report.
Consumer complaint received 2022-02-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

i XXXX XXXX checked my credit report and i noticed some fraudulent and inaccurate accounts on my credit report. I then proceeded to reach out to the credit reporting agencies to remedy the situation but would not help correct these fraudulent and inaccurate accounts. 

XXXX. I XXXX XXXXXXXX ( original creditor : XXXX XXXX communications XXXX ) XXXX XXXX PER MNG ( original creditor XXXX XXXX ) XXXX XXXX ( XXXX x reserve at XXXX XXXX ) XXXX XXXX ( original XXXX XXXX XXXX ) XXXX
Consumer complaint received 2017-09-26
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Credence Resource Management, LLC (AZ)

Several phone calls a day from ( XXXX ) XXXX. They never leave a message and sometimes hang up after 2-3 rings. 

I looked up this company online and they are located in Texas. But, the area code is XXXX ( an Arizona area code ). 

Additionally, I have called them a few times and it seems like an overseas call center.