davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-01
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: AmeriCash Holding LLC (NC)

I took out a at Americash on XX/XX/XXXX {$600.00} to be exact. I made my first payment and they applied a {$25.00} payment on my account just because I placed a stop payment on my account. A customer can do what they want to, they didn't know if I was changing my bank account to another or anything. All because i initiated a stop ACH payment. I missed a payment in XXXX because I had an emergency come up with owing back taxes. So they had placed a payment of {$280.00} note that was 2 payments. I called and they said they charge fees daily, however I kept paying my monthly payments. I am reading where I made a complaint to CFPB and i see the lies of what they tell them versus what they have told me. I called spoke to a Rep and she says when you late we charge a {$100.00} a week fee. Who does this. This is when I started to investigate on my own and read numerous of reviews and complaints about their services and the outrageous fees they charge and customers see no way out but to file BK or make various complaints. Reading the results sent back from CFPB after filing a complaint telling them a Rep called and said after you make your final payment in XX/XX/XXXX you will be charged another {$1000.00}, because you still accruing interest on your late charge. When I called spoke to another Rep she indicated " oh you good. '' " I don't know why she called you. '' I didn't go for that shady XXXX. I made the complaint. They told CFPB my last payment would be in XXXX which indicated that until XX/XX/XXXX. I received a text message that says important information about your loan. After logging in I was furious they got me owing another {$130.00} until XX/XX/XXXX. I called another Rep says yes the interest accrues daily on your past due balance which is now {$150.00} you until XXXX then you will accrue interest again making it another 6 months of payment. making it a total of {$2300.00} on a {$600.00} dollar loan. Man I CAN'T no way. Im XXXX with XXXX XXXX galloping to the point I'm missing work due to XXXX and XXXX XXXX XXXX XXXX XXXX XXXX. Which I know they don't care. I did inform the Rep that in the State of NC you are prohibited to charge that kind of interest rate. He stated well you cross the state line didn't you. " oh but you know it all, and he said have a good day and hung up. I sent this report to the Attorney General, Rip off and sending it to ACTION 9 because they think CFPB is a joke just like the XXXX is. Read the reviews where customers made complaints and XXXX does not enforce these longsharks.
Consumer complaint received 2024-03-01
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Paypal Holdings, Inc (CA)

PayPal Account : NXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I sent two credit card payments from PayPal to XXXX XXXX XXXXXXXX in the amounts of {$1500.00} and {$1700.00}. I requested a reversal of the payments ( The credit card paid amount is sent back to the original form of payment ). On XX/XX/2023, I was approved for the refund and XXXX XXXX XXXXXXXX sent out the refund. My credit card bill went up {$1500.00} and {$1700.00} that day. 

I did not receive any refund on the part of PayPal. I have already contacted XXXX  XXXX XXXX and they said they sent out the refunds on XX/XX/2023, and XX/XX/2023, in the form of a lump sum to one of Paypal 's intermediary banks. 

I have contacted PayPal customer service multiple times and all they say is to contact XXXX XXXX XXXXXXXX, in which they said they already sent out those amounts.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

For the past five months, I have filed disputes with Experian to change ther " On Record Until '' date on my credit report. When I contact Experian disputes, the representatives agree that the report until date, ( the date that negative information will be removed from my report ) is incorrect. Experian has the correct information noted that the last payment to XXXX was received on XX/XX/XXXX and the on record until date should be XX/XX/XXXX. It still shows XX/XX/XXXX. This is the ongoning dispurte that I have repeatably been told by Experian that they will correct this information and update it. Each time they send me the dispute results with the same error. 

Negative information should be removed from report seven years from the date of the first missed payment, which was XX/XX/XXXX. Experian has this information but refuses to update the report until date of XX/XX/XXXX, which is eight years from the first missed payment made on the account. XXXX and XXXX have already correctly removed this account from my credit report. 

According to the FCRA act " When a creditor writes off your debt following nonpayment, this is known as a charge-off. Charge-offs remain on your credit report for up to seven years from the date of the first missed payment. '' I would appreciate any further assistance with this dispute as I seems Esperian refuses to resolve this issue that continues to harm my credit as negative information while not being removed on the correct date, which is this XX/XX/XXXXXXXX XXXX
Consumer complaint received 2020-05-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A. (NJ)

My Citibank Credit Card has {$960.00} to be refund to me for over payment and there is more than 10 business days waiting for my refund and I have not receive it yet.
Consumer complaint received 2024-05-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Pressler & Pressler, LLP (NJ)

I paid a debt to XXXXXXXX XXXX XXXX  They sold they debt and never told me. So when i went on the website to pay it they never said it was sold to Pressler , Felt & Warshaw , LLP. So XXXX felt sued me for the debt that was already paid its not my fault they dont communicate. XXXX XXXX XXXX told them i paid it and they still garnished my pay. I have proof its been paid off for a year and showed them and still nothing. They wont return my calls or emails and neither company is returning money. Pressler , Felt & Warshaw , LLP XXXX XXXXXXXX XXXX XXXX  XXXX of them have to give me my money back. They literally are stealing from my pay.
Consumer complaint received 2024-05-03
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: Bread Financial Holdings, Inc. (NJ)

XXXX  : we initiated a dispute last fall about a purchase made on a comentity bank credit card where we never received the merchandise. We have provided supported documentation and spoken with several representatives who were not able to do anything. We were told to rely on the secure message portal for all communication. Well, they ignored all of the provided documentation and now tell me it is beyond the timeline to submit a disupute. 

XXXX  : as a result of initiating a dispute, they apparently turnd off my auto pay of full statement balance and have charged me interestt on the balance that would have otherwise been paid. I was told that they will not waive the charge. ( our payments were always made in full and we have never been late ) In summary, they ignored all documentaation regarding the fraud claim only to now tell me " it's too late to file a claim '' AND in the process, cancelled auto pay without telling me and charged me interest on a balance that should have been paid. 

This feels like deceptive practices to me and I would appreciate you investigting this. 

Thanks!
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

My chief complaint is that I am experiencing difficulties with the credit bureaus complying to my request to a ). delete inaccurate information from my credit report, and b ). furnace proof of their investigations into the inaccuracies. To date, there has been no resolution and these companies are in direct violation of my consumer rights. I have submitted a previous complaints over the course of the last 9months and counting, via regular mail, and through the online dispute portals. I have also furnished proof of the multiple inconsistencies reported across my credit reports, yet the credit reporting agencies are affirming that it is verified an accurate ( see attachments ). How is this possible? I have a firm reason to believe they are not doing a thorough job in their investigations, nor are they providing me with evidence of their investigation, which I have requested on multiple occasions. All of these accounts ( XXXX-as reported to XXXX and XXXX ; XXXX and XXXXreported to Experian, XXXX, XXXX ) listed in my documentation are reporting inaccurate information to the three credit bureaus which is detrimental to my financial health. 
Previously I have submitted disputes but I am encountering the same results with each bureau either reporting it as verified or unchanged. However, I challenge that as incorrect/not legitimate as it only takes a quick look at the reports, to see that something is amiss. They have a responsibility to report verified, fair and accurate information and they are not doing so. I also reached out to the creditors and they are unable to provide assistance. I did receive correspondence from the bureaus and I will attach it in the attachments section of this complaint form.
Consumer complaint received 2022-08-14
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. (NJ)

XXXX XXXX XXXX XXXX is being reported to my consumer report which is violation of the fair credit reporting act. Transunion violated my right to privacy pursuant to15 USC 1681 section 602. Transunion also violated 15 USC 1681 section 604 A section 2, which states a consumer reporting agency can not furnish an account without my written consent/instructions. Transunion also violated the XXXX XXXX XXXX XXXX, pursuant to SEC. 501. of 15 USC 6801, Transunion should make it an obligation to respect the privacy of the consumer and confidentiality of my non public information. 

They have not provided me any documentation proof my direct written consent.
Consumer complaint received 2024-05-02
Product: Vehicle loan or lease — Lease
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: Auto Trakk, LLC (PA)

I leased the vehicle in XX/XX/XXXX, the vehicle started breaking down with check engine, transmission and battery lights on. I took the vehicle back to XXXX XXXX XXXX on XXXX XXXX twice to be fixed but continued to have the same problems, the third time I called about the same issue XXXX XXXX blocked me from calling them and never followed up with promise to come to my house to put a reader on the car to figure out the problem. I paid {$700.00} to get the car running again. I left my job in XX/XX/XXXX because I hadnt received a paycheck for XXXX  days and missed XXXX car payments. I immediately contacted XXXX to set up a payment arrangement or to see what options I had. I explained my situation and They stated I had no options except to pay the full balance. I kept paying what I could and once I got a new job I contacted XXXX again to report the new employment and attempted to make a payment arrangement. They advised I still had No options and needed to make a full payment or they would repossess the vehicle. I received a text from someone in the company who told me the vehicle would not be recovered after our conversation but the car was taken the very next day. The guy who towed the car advised XXXX doesnt make payment arrangements until the car is recovered. I called back and was told I needed to pay the entire balance plus storage and recovery fees. I received a paycheck into my bank account and planned to pay the entire amount to get the car back however my wallet was In the car when it was recovered and I have no way to get the wallet to make the payment. The tow yard is only open from XXXX XXXX XXXX I work XXXX XXXX XXXX. I made every attempt to pay but XXXX made it impossible. I asked that my property be mailed to me they said no.
Consumer complaint received 2021-11-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (MA)

Coinbase closed my account and They are not responding to my emails. I have over XXXX dollars and I cant access my account. Last time I contaccted them, they did sent a few emails to verify the account however I can not open those emails.Also I asked for someone to call me or aomething but nothing.
Consumer complaint received 2022-08-14
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX has violated my rights 15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-05-02
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc (LA)

I XXXX XXXX XXXX, was contacted by Hunter Warfield on XX/XX/year>, on a collection of an alleged debt which I didnt consist of and they lied and said I did, The alleged debt stopped being a debt when the original creditor charged it off, sold it and took the tax deduction for the loss. It became an INVESTMENT when it was first sold and that 3rd party had knowledge it was A alleged BAD DEBT. No UCC 11 liens to prove alleged debt. Request books of accounts of credit pursuant to IRS 583 to verify and validate.

NEVER SIGNED AN AGREEMENT WITH THIS CREDITOR. THIS IS NOT THE ORIGINAL CREDITOR. THESE OR DUPLICATE ACCOUNTS. US CODE 1692e False and Misleading Representations US code Notes/ A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. 
Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. ( 2 ) The false representation of- ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. 
1. The false representation or implication that any individual is an attorney or that any communication is from an attorney. 

I demand that you delete these false reporting off my consumer reports XXXX, XXXX, and XXXX, immediately or I will sue you in a federal venue with trail by jury And I further cease and desist any communication attempts and reporting from you on my consumer report ucc 1-202 upon this notice you have been notified
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc. (FL)

I took out a Self Lead Credit Builder Account in 2020. XXXX took my job. This was a secured loan paid by the security of XXXX Today this company re aged it and stated on my credit specifically XXXX that I was late XXXX, XXXX this year. Causing a XXXX point drop. 

Called Self you only get a loop recording no human. XXXX refuses to acknowledge it, argued with me, made me for 46 minutes upload my drivers license that never worked. 

So Frustrating to be ripped off then sent through systems of utter buffoonery with no one held accountable. 

I am finally recovering this year from financial disaster and then this. Unfair! But no one cares and you have zero ability to control your own information. I jump through hoops to prove my identity but any one on a computer with a company name can ruin you day after day.
Consumer complaint received 2024-05-07
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (FL)

They said I was denied bc they wanted my ssn and I told them no I don't have to use my ssn to open up a private trust account they said they can't so it without so thus tells me they want to use my private information to so what they wanted they have copies of my trust ein number and I don't want them using it to make money
Consumer complaint received 2024-04-26
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (MS)

My husband loss his job of 25 years in XXXX of 2023 reducing our income from two to one income. We have been managing until now. We contacted Capital One regarding a financial hardship assistance to help us get back on track after missing payments. We were told that the only assistance that was available was the 3 month spilt of the minimum payment. I called because last year in XXXX we mailed several hardship request for all of our accounts and proceeded to ask if anything was needed. We never received a response then months later while attempting to enter a debt consolidation to help us get back on track. We were denied any loans or assistance because Capital One is reporting to the credit bureaus our late and missed payments during our hardship. When calling the representative stated that they did not offer programs to assist us other than the 3 month minimum on each card which is over {$300.00} dollars due on XX/XX/XXXX. We pleaded with the representative informing her that we could not afford the amount and asked if we could have all the cards merged into one account to prevent multiple interest per card. We were denied. We have been loyal customers of the company for years and now when we need assistance the most. We were denied help.
Consumer complaint received 2024-03-19
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (VA)

I opened this account roughly 11 months ago. The credit limit was {$5400.00}. PayPal/Synchrony Bank reduced my credit limit to {$3900.00} in XX/XX/XXXX. I paid PayPal/Synchrony Bank {$1800.00} in XX/XX/XXXX. PayPal/Synchrony Bank never reported this new balance amount to the three credit reporting agencies. In XX/XX/XXXX PayPal/Synchrony Bank reduced my credit limit to {$1800.00}. 

In less than 6 months of having this account. PayPal/Synchrony Bank reduced my credit limit. They reviewed my account a second time in less than 6 months and reduced my credit limit again without reporting the new balance amount, which was favorable to me. This practice of reducing my credit limit twice in less than a year is unfair and does not allow me to build credit because my debt ratio is being hindered by PayPal/Synchrony Bank . 

The company told me that they review accounts periodically. I asked for their policy to be emailed to me but they transferred me to another department.
Consumer complaint received 2020-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EOS Holdings, Inc. (AR)

XXXX SOLD MY ACCOUNT TO 11 COLLECTION AGENCIES IN XXXX AND ARE STILL REPORTING ON MY XXXX. THESE ARE TIME BARRED AND THE SOL EXPIRED AS A RESULT XXXX  PUT A FREEZE AND WONT LIFT IT UNTIL YOU CONTACT THEM MAKE SURE YOU GET LETTERS FROMTHEM.
Consumer complaint received 2024-04-30
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (TX)

There was a purchase made to my account that does not have overdraft capability and is a debit account only on XX/XX/XXXX. I did not authorize this XXXX I disputed it with my card holder Chime and they denied the dispute. I immediately called and had it reopened and asked for them to email me with how they determined my dispute. They denied it again and never emailed the documents although i was promised XXXX different times by XXXX different customer services reps they would. 
The charge was from XXXX XXXX and just so happened to be of the same amount as a purchase I had made at the end of XXXX. 
The only info I got from talking with numerous customer service Agents was that the charge was forced by XXXX XXXX, when I kept asking how it was possible this charge was ever made without the amount available on my account and how can it be made resulting in a negative balance when I don't have XXXX XXXX on my account? XXXX XXXX is there version of overdraft capability for customers who direct deposit a regular paycheck, which I do not. I know I did not make this purchase on XX/XX/XXXX and I would like to know how they even excepted the charge to my account and now denying the dispute XXXX.
Consumer complaint received 2022-08-14
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: DISCOVER BANK (VA)

Requested a dispute through XXXX on XX/XX/22 but the creditor stated the account information was correct. There is one late payment on the account and it is reported inaccurately. Submitted a dispute but they rejected my request. I went through a financial hardship but the payment was made within 30 days and therefore should be considered late. 

In accordance with the fair credit reporting act XXXX account has violated my rights. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2020-07-05
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. (SC)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.