davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-23
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK (IN)

Discover violated their arbitration clause. Discover put an arbitration clause in their contract that they did n't honor and then tries to continue the lawsuit against me after the arbitration was dismissed by  XXXX .     On  XXXX   XXXX ,  XXXX ,  XXXX   XXXX   XXXX   XXXX  on behalf of Discover Bank filed a claim in Small Claims Court against me for approximately {$3500.00}.  XXXX   XXXX   XXXX  hired local attorneys  XXXX  and  XXXX  to represent Discover Bank.      XX/XX/XXXX , I filed  a Motion to compel Arbitration.       XX/XX/XXXX , t he Court Ruled. Ru ling states, Arbitration filed with   XXXX   ( #  XXXX   ) ;  Matter continued indefinitely in order for Arbitration process to complete. Documentation attached.      XX/XX/XXXX ,  Counsel for Discover fi les a request for another hearing on the Motion to Compel Arbitration. Arbitration was ruled and agreed on  XX/XX/XXXX .     On or about  XX/XX/XXXX , I received a letter from  XXXX    XXXX    XXXX   c/o Discover st ating their client may be willing to discuss settling the matter at a reduced amount. They states arbitration is " very expensive. ''  XX/XX/XXXX ,  XXXX  closed the case. Case terminated because Discover failed to pay and participate in Arbitration.      XX/XX/XXXX , a  Motion for Joint Stipulation for  Substitution  of Counsel wa s filed.  XXXX   XXXX   XXXX  was no longer representing Discover and  XXXX   XXXX   XXXX .     Year Later,  XX/XX/XXXX ,  XXXX   XXXX   XXXX  files a motion to return case to active docket.    XXXX   XXXX   XXXX  KNOWINGLY FILES A FALSE STATEMENT WITH THE COURT.    XXXX  states, As of  XX/XX/XXXX , Defendant failed to pay required Arbitration fees, and the case was terminated by the  Arbitration Forum (   XXXX   ).      THIS IS COMPLETELY FALSE, PLEASE SEE ATTACH DOCUMENTS FROM  XXXX .   Th e Plaintiff ( Respondent ) who is Discover fai led to pay case management fee.  XXXX  sent the counsel for Discover several letters requesting payment but they failed to respond.      XX/XX/XXXX , Court dismisses case without prejudice. Judge writes the following Plaintiff admits to failing to pay arbitration fee causing closure of arbitration process. Def. requests dismissal for failure on plaintiff 's part. Court grants defendant 's request for dismissal. Parties were ordered to arbitration and that has not occurred by no fault of defendant leaving this open on her credit history is unduly prejudicial.      XX/XX/XXXX ,  XXXX   XXXX   XXXX   c/o Discover file s a motion to vacate dismissal to refile a new arbitration case since the first one cant be re-opened.      XXXX   XXXX   XXXX   c/o Discover fail ed to send me a copy of their motion to vacate dismissal, therefore, I was not able to write an opposition to their motion because I was not aware of it.
Consumer complaint received 2015-05-06
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: BARCLAYS BANK DELAWARE (FL)

I noticed a charge on my credit card that did not belong to me last XXXX 2014. I contacted Barclaycard to file a dispute. I was told they needed 30 days to investigate the charge. I received a letter 30 days later stating the charge was valid and that the merchant showed a receipt for this transaction. I contacted the merchant after receiving this receipt to question this order number. I found out that my credit card number was used on this order but was linked to someone else 's account and delivery address. I then contacted Barclaycard again and they started a new fraud investigation case and I was told to wait another 30 to 45 days and up to 120 days for an answer. I recently received another letter saying the charge was valid with the same attached receipt and was told that because I had done prior business with this merchant that this charge would never be considered as fraud. I was also told that I should never open a fraud case if I have done any business with a specific merchant before.If I wanted a refund that I would need to wait for the merchant to refund the money to Barclaycard prior for them to adjusting my account. As a XXXX XXXX I should be protected with XXXX XXXX Liability Protection and should not have to liable for the fraudulent charges that I did not make, nor should I have to constantly call and get transferred to different departments without getting any results.
Consumer complaint received 2022-08-25
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. (MI)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX  XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXXXXXX XXXX  XXXX Balance : {$4100.00} ; XXXX XXXXXXXX Balance : {$1300.00} ; XXXX XXXX XXXX Balance : {$6000.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, MI XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX BANK XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2017-05-23
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (ME)

I am in possession of a mortgage statement provided by JP Morgan Chase, from XXXX, 2006. I am also in possession of escrow statements from JP Morgan Chase, for the life of the loan. I am curious to how requests for statements prior to XXXX, 2006, are unavailable. The statement sent to me, by JP Morgan Chase, came from an internal system. The internet address is at the bottom of the statement page, but not the escrow statements. I have attached documents, in support of evidence.
Consumer complaint received 2017-05-23
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Total Card, Inc. (FL)

They 've called multiple times. I 've advised them that they are calling my work phone and need to call my cell phone. I 've provided my cell phone number, but they continue to contact me at work. I can not have personal calls at work.   They 've been calling from private/restricted numbers, but today the information came up on the caller id : Total Card (  XXXX  )
Consumer complaint received 2023-07-23
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. (FL)

the information that is being furnished by the credit bureaus are against the law per 16 usc 1681b and 1666b. 
the items were dure to identity fraud and theft.
Consumer complaint received 2016-11-03
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC (CA)

On XXXX. I took out a payday loan of {$1000.00} thru Castle Payday. They approved my loan i have paid them a total of {$2800.00}, that is 286.90 % interest. I have been receving calls from a coolection company stating that i will be served with court papers. i feel i dont owe them anything they got {$1800.00} in intrest.
Consumer complaint received 2017-05-23
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. (FL)

I have disputed  XXXX   XXXX   XXXX  numerous of times on my credit report with Experian and  XXXX . It is showing as an repo on my credit. I have asked for debt validation from both CB 's and orginal creditor. I have asked for an copy of the orginal contract. I have called the creditor and was informed that they have no trace of the contract that an agent will request to see if the warehouse has it. That was on  X/XX/17   . On  X/XX/17    I called back and the agent told me she doesnt know why but there isnt a contract on file. This is creating an hardship and I will proceed to sue if this error isnt corrected. Experian and  XXXX  is going against the FCRA by not looking into my disputes.
Consumer complaint received 2017-03-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ERC (TX)

i had a XXXX Cell Phone account and they were unable to keep the services working that i was paying them for, after multiple Communications with the service department and Store managers and trying a Mini Cell tower in my home the services still were not working Half the time. i communicated my request for them to fix the service or give me credit Both requests went on def ears. 
i was left with no other choices after being told the problem was their towers but to switch providers as i did over to XXXX. 
i was a long time customer and the last 1 year and a half was like paying for nothing. 
This left them claiming i owed them {$2100.00} for services that they could not get to work From XX/XX/XXXX to XX/XX/XXXX. 
i feel this account should be removed for my report at once and XXXX should take responsibility in this matter.
Consumer complaint received 2021-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE (CA)

THEY REFUSED TO EBILL ME CLOSED ACCOUNT AT XXXX/XXXX XXXX XXXX CC XXXX XXXX, XXXX XXXX XXXX, CA XXXX. 
THEY SAY ITS COMPANY PLOICY NOT TO PROVIDE EBILL FOR CLOSED ACCOUNTS! 
ACCOUNT HOLDER XXXX XXXX LAST 4 DIGIT XXXX
Consumer complaint received 2015-08-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC (CA)

We were charged over {$100.00} by XXXX XXXX XXXX for some unknown reason and when we called the customer care to find out what it was about, they did not give us any proper response and they said it was some technical error from their side. After 4 months we get a call from Enhanced Recovery stating that they are coming to collect the bill amount and although we did not know what it was for, we paid duly. Its been over a year and now we notice that they had filed a delinquency report against us. Our credit score has been hit by XXXX points and there is no one coming forward to help us with it. We did not notice this statement until recently when we went to the bank to get a loan to purchase a house. We have proof that we have paid the company, can they still hold this against us?
Consumer complaint received 2020-06-20
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (MN)

Today, XX/XX/2020, a lady came to my home to serve me with papers for a lawsuit from XXXX XXXX I, XXXX. The reason for my complaint is because she came to my home where myself, my elderly parents and my XXXX children reside. My parents both have underlying health issues and are both over age XXXX so high risk for covid 19. My youngest child age XXXX XXXX has a XXXX  XXXX XXXX  and is high risk for covid 19. I am afraid this lady may have put my family and I at an unnecessary risk during the covid 19 pandemic. She was wearing a mask but came closer than the social distancing measure of 6ft to me and I had to touch the pen and clipboard to sign for the papers. I already have had XXXX XXXX over the covid 19 pandemic and my parents being elderly and having pre-existing conditions but mostly my XXXX XXXX old daughter XXXX XXXX and her XXXX  XXXX XXXX. This could have waited until the pandemic is over.
Consumer complaint received 2021-02-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BARCLAYS BANK DELAWARE (NC)

XX/XX/2021, I as approved for a Wyndam Barclay charge card. I requested on a recorded line that the card be sent to me via XXXX  XXXX XXXX for a charge of {$15.00}. 
This was not done. Instead the card is being mailed to me. 
This causes a problem. 
I have stayed on the phone for hours and hours and have not been able to get a account specialist.
Consumer complaint received 2020-04-20
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: CARD Corporation (OH)

I called the number provided on the back of my card to obtain my balance information. When prompted to enter my social security number and zip code it told me my information did not match. I reached out to Card.com via email to try and figure out what happened on XX/XX/2020. I had to contact them this way because if you can not verify your identity via phone it will not let you through to a customer service representative. When the customer service representative replied via email I informed her of my problem and she told me she would not be able to further assist me via email and insisted I call the number back. I then reiterated my problem again via email and that my account had been hacked, she never replied again. I waited a few days fo a response and got nothing. I emailed Card.com once again on the morning of XX/XX/2020 and I still have yet to receive a response and now the balance on my account is at XXXX it has been completely wiped out. Resulting in me losing {$1500.00}
Consumer complaint received 2017-01-21
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Big Picture Loans, LLC (GA)

I borrowed XXXX. I had not been informed of the 850 % interest rate on the loan, that I was told there would be a {$260.00} finance charge, not {$4000.00} in total payments, and that I was unable to view the " Truth in Lending '' disclosure until after the loan had been processed and funds delivered to my account. This is illegal.
Consumer complaint received 2016-02-23
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Westlake Services, LLC (PA)

I gave a cash down payment and a Nissan Altima as a down payment for a BMW 525xi. Westlake Financial Services and the dealership i obtained the BMW/loan from, both falsified the loan documents by only including my cash payment apart of the deal. Essentially stealing my traded in vehicle. With the creation of the loan, the warranty was set up. After expressing 2 months after getting car that the vehicle is inoperable and about the loan, Westlake declined to assist with correction of loan documents. In XXXX XXXX, Westlake Financial even denied receiving a {$350.00} payment and is still missing. Also after I decided to stop paying the payment due to the shady payment system, repairs needed for vehicle, and falsified loan documents, Westlake then repossessed my vehicle in XXXX XXXX. After repossessing my car prematurely, it is now XXXX XXXX, my credit report still has no update on the correct number of missed payments nor have they taken the value of the car from my owed balance on the credit report. So at this time, i have had XXXX vehicles taken from me by this company. Westlake Financial Services employees has been more than rude, nasty and unprofessional and needs to be shut down. The business they do is completely unethical.
Consumer complaint received 2015-08-03
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: JPMORGAN CHASE & CO. (AL)

I do n't owe this debt. i have not lived at the address listed for over 18 years. This is the first time I have EVER heard of a Chase card or the people who have garnished my wages in regards to this matter. I am being forced into poverty as the result of these people taking a literal pen and writing in almost XXXX worth of charges. on me and throwing my finances in a downward spiral. I am losing everything I have, because of this. I can not afford a lawyer because I am penniless right now. How are they being allowed to do this? This through my bank account into overdraft because I budget for my expenses and paycheck was not enough to cover my bills. I ca n't sleep nor eat, because my utilities will be disconnected in XXXX degree heat in Alabama. How are these people being allowed to steal? I do n't know these people, I have NEVER had a Chase account Ever! Yet, these people want to steal over {$12000.00} from me. If this can help one person, then it has been worth it.
Consumer complaint received 2016-11-15
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: KEYCORP (IN)

Using Key Bank 's online portal, I performed a transfer of funds on XXXX XXXX, originating an ACH debit to XXXX of my checking accounts at another bank. Key ( Originating bank ) received funds on XXXX XXXX ( effective date ), which is the same date Receiving bank removed funds from my other account, but Key Bank still has n't made the funds available to me in the target checking ( as of XXXX XXXX XXXX. This is contrary to their disclosed funds availability disclosure and is an excessive delay for an electronic transaction. The bank has had my funds for over five days and has not made them available to me ( should have been on the effective date ). The branch tried to explain this had something to do with the bank holiday on XXXX XXXX, but that does n't explain why the credit half of this transactions originated on the XXXX does n't post for a full week. Key is always quick to post the debit half when it is the other way around.
Consumer complaint received 2016-11-20
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (IL)

On Friday evening, XXXX XXXX, after XXXX ET, I made XXXX transactions to my Chase Bank Checking Account, which put into overdraft. Today, Saturday, XXXX XXXX, I was preparing to restore the balance in my account, when I discovered that I have XXXX overdraft fees. I called the bank, and they informed me that they define the closing of a day as XXXX ET, rather than the closing of the branches. This is contrary to baking regulations, which according to those I read, define the business day for a bank as the time of closing of the branches, not XXXX
Consumer complaint received 2016-05-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Selene Finance LP (FL)

I had made my third trial payment with XXXX XXXX XXXX Mortgage and called several times to find out if they would come up with a plan they said they would instead right after the 3rd trial payment I was sent a letter that my mortgage was assigned to Selene Finance and when I called Selene Finance although I had a trial payment plan they had no clue what was going on said I should continue with my trial payment plan And when ending of XXXX came so I can make my fourth payment the customer service at Selene Finance said my information wasnt in the system. I called several times but no help and they hardly pick up the phone with a live representative this company Selene Finance. When I finally threatened the agent about speaking to my lawyer, he called back with in 5 mins and stated he could take my payment when just 15 minutes before another customer service said my information wasnt on the computer system. Then after this person who is taking care of my case took my check number stated he couldnt give me a confirmation number that he didnt have which I thought was super strange all companies give a confirmation number it shows that a payment was made. After that I decided to check the reviews on Selene Finance and saw that they had XXXX complaints and not one good review I guess XXXX XXXX knew exactly how to get me and my home into more issues.
Consumer complaint received 2023-01-06
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: U.S. BANCORP (TN)

I am a consumer customer of US Bank XXXX XXXX XXXX XXXX US Bank has the highest interest bank affiliated credit cards. Consumers keep paying the cards interest as the bank sends out advertisements to trap the customers into using the cards to get money back as rewards without disclosing the trap of their high revolving interest rates. As an outstanding customer and a bank account owner I receive various advertisements for cash advance through the credit card line often. Us Bank sends out random checks to consumers enticing them to cash out advance checking loans. 
The advertisement says no interest for a year till XX/XX/ and they have different dates each time to allure the customers to quickly jump on the offer before it expires which is a scam to trap the consumers. 
What they dont say is the interest will be outrageous and immediate interest charges that are not disclosed as you start to use the money deposited in your account each time you take the money out there is a charge monthly. The checks dont have sufficient information on them because the push is No interest for a year. 
The cash advertisement is for {$15000.00} after the money was deposited into my account the representative made me to understand no charge will occur till XXXX XXXX  when the interest starts. My loan was for homeI renovations my plan was to use the money accumulate a lump-sum amount of the {$15000.00} and pay it back before the interest accrued. I realised they are taking some charge every month and when I asked the representative they said there is a monthly charge and did not explain why that information was not in the advertisement flyer attached to the check that they are asking consumers to deposit the amount needed for cash advance. 
Needless to say there is hidden catch not disclosed to the consumers and now they claim I owe {$11000.00} which is more than I owe when I count the monthly payments they have taken from my account already + the amount already paid off the remaining amounXXXX tax free should be less than what they claim I owe. The representative that I have spoken were uninformed and rude to me when I demanded answers. I called several and one had an infant crying in the background and she rushed me off the phone because she needed to attend to the baby. The other one answered while driving she cleared said she cant view the screen. One XXXX told me off the charges but could not respond to why this information is not communicating to the consumers before they commit to this disastrous endeavor.