davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-19
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc (CA)

I made a online purchase with XXXX  and upon submitting my payment information I grew suspicious after the merchant failed to submit proof of the transaction. I immediately requested a cancelation of the order but received no reply after calling and emailing the website. I then contacted Chime customer support to cancel the transaction but was told that the transaction couldn't be canceled while it was pending. After a couple of days the transaction went through and the money was deducted from my account. I then received a transaction summary from the merchant. A few days later I received a delivery notice from the merchant stating the order had been delivered. 

The purchase was for two XXXX XXXX XXXX guitar cases priced at {$90.00} each totaling {$180.00}. The transaction summary I received listed only one item in the order. The delivery notice from XXXX listed a tracking number that says 1 of 4 items was delivered at the front desk. I live in a house. There is no front desk. None of the paperwork sent to me is correct. Chime dispute investigators, however, believe the paper work to be legitimate and haver determined that because a tracking number exist the order is correct and my dispute has been denied. Twice. Every customer support representative that I talked to said that they understood the situation and that there shouldn't be any reason that I wouldn't have my money refunded top me. Chime dispute investigations department denied the claim after it was escalated by there representative whom I talked to after my claim was denied the first time.
Consumer complaint received 2016-04-14
Product: Credit card — 
Issue: Rewards — 
Company: DISCOVER BANK (AZ)

I made a purchase of {$980.00} on XXXX XXXX, 2015 using my Discover it card with XXXX XXXX. Discover was running a promotion offering XXXX % cash back on purchases made using XXXX XXXX. Discover has not paid the XXXX % cash back that was promised.
Consumer complaint received 2016-06-27
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: WLCC (PA)

I have an installment loan with XXXX. I have been having trouble paying lately and repeatedly asked them to stop a I to debuting my bank account as I had no money to pay them. They continued to auto debit my account after I asked them to stop. They also caused me to overdraw my bank account.
Consumer complaint received 2022-10-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (OH)

After several attempts and at least two emails, I have never received the products a refund, or even been contacted by the seller on this dispute. It seems to me this was a fraudulent transaction where XXXX has done nothing to provide me a refund. 

XXXX XXXX XXXX XXXX, XX/XX/2022 We have finished reviewing your dispute We have completed a review of the money transfer you sent on XX/XX/2022. Below are details for this transaction. We have now closed the dispute. 

If you have any questions about this transaction, email us at XXXX or call us at XXXX. 

Transaction Details Transaction Date XX/XX/2022 Payment Amount {$81.00} USD Recipient XXXX Transaction ID XXXX
Consumer complaint received 2021-10-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (LA)

I CONTACTED PAYPAL VIA THERE CHAT SERVICE ON XX/XX/XXXX AND SPOKE W AGENT XXXX AND ADVISED HIM THAT THIS LETTER I GOT IN THE MAIL DOES NOT BELONG TO ME. I UPLOADED THE LETTER IN THE CHAT SO HE COULD SEE IT AND HE ASKED IF THE EMAIL ADDRESS OF XXXX WAS MY EMAIL ADDRESS AND I SAID NO. I SAID I USE MY WORK EMAIL ADDRESS OF XXXX AS MY USER ID FOR PAYPAL. HE SAID HE WOULD SEND THE REQUEST THRU TO PAYPAL 'S UPPER MGMT AND THAT I WOULD GET A CALL AND TO THIS DAY XX/XX/2021 STILL HAVE NOT RECEIVED ANY KIND OF INFORMATION OR CALL FROM PAYPAL.
Consumer complaint received 2015-11-17
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Northland Group Inc (NC)

I had originally established a repayment plan of which I had paid all but the last payment. The bank account I used to pay the account ( XXXX, had a security breach and cancelled a large percent of their customers cards due to the breach ). Because of this I had to resubmit the payment method to pay the last payment and complete the agreement, which I did. Then Northland Group then did not withdraw the amount for the last payment on the agreed date. Upon realizing that the final payment was not made, I answered a collection call and spoke with a representative on XX/XX/XXXX. I explained the situation, she said that I could pay the last payment and it would be done. I was at work and did not have my debit card with me and took down her name, number and extension and told her I would contact her with the info from the card to complete the transaction. Upon calling the number I found that I could not reach her and was not able to complete the transaction. I then received a letter around the end of the following week stating that the agreement was cancelled and I now owed {$480.00} in place of the final {$48.00} payment. I contacted the number listed and was told there was nothing I could do, despite the previous efforts and attempts to pay my final payment and the company not following through on the agreed upon plan. I have tried to handle this issue with the Northland group and their inability to honor the agreement appears predatory and dishonest. They have had the new card information on file since I called it in, they had it when I was told I would have to resubmit it and they have not made any effort to mitigate their mistake of not charging the card on the agreed date before. I feel that due to their lack of responsible business practices that my debt should be considered " paid in full '' and utilize this case as an opportunity to better their employees or leadership actions to ensure that another person is n't subjected to several interruption incidences that create unneeded stress on someone who obviously is already under financial stress and trying to repay their debts.
Consumer complaint received 2015-05-22
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Paypal Holdings, Inc (IN)

I have used Pay Pal for XXXX or XXXX years. In the past year, I was notified by Pay Pal that I needed to sign up for an account. I was confused, thinking I already had an account. I thought maybe they wanted me to update my information. I signed up for the account. Then after a purchase, I received a bill in the mail from PayPal Credit for the purchases I had made. I did not understand what had happened, as in the past I had used PayPal and they items I had bought were charged to a MasterCard. I showed this to my husband and he realized that PayPal had somehow set me up for a credit card. He tried to cancel the account. I used PayPal again after that, and they put the item on PayPal Credit. I then was charged a late fee, although I had never received a bill in the mail, and did not know I still was using PayPal Credit!!!!! I am very, very unhappy with PayPal!!!!
Consumer complaint received 2015-09-30
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: Flagstar Bank, N.A. (MI)

Earlier this year, I contacted my bank and requested a RETURN and/or STOP PAYMENT on any payments presented that would cause an OVERDRAFT of my checking account. I was informed that the bank would return any payments presented that would cause my account to OVERDRAFT. On XXXX XXXX, 2015, FLAGSTAR bank attempted a " RETRY PYMT '' in the amount of {$120.00} against an available balance of {$3.00}. The bank subsequently presented another " RETRY PYMT '' in the amount of {$18.00}. As a result of this activity, my account which previously had a positive balance of {$3.00} was negative {$68.00} in bank fees. The items presented were NOT paid and returned.
Consumer complaint received 2016-11-22
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Paypal Holdings, Inc (IL)

I have a PayPal account and was recently advised that my acct has been permanently suspended. I have ~ {$400.00} in the acct, but they are advising that I can not obtain these funds for 180 days! Seems unreasonable that I should have to wait for 6 months to recover MY funds. Thank you.
Consumer complaint received 2016-04-07
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Rocket Mortgage, LLC (PA)

My loan application at Quicken Loans was denied. I have great credit ( XXXX credit score of XXXX ), had plenty of liquid funds on hand to close on the loan, and my DTI ratio was well below the standard for sound underwriting. 

While I was loan shopping, I asked Quicken to provide me with a Cost Estimate so that I could do a comparison of closing costs/rates for various lenders. They had sent me a mailer that stated that if they were unable to match the lowest rate that I found, that they would give me {$2500.00}. When I asked for the Cost Estimate, I was told that they could n't provide me XXXX unless they got something ( I forget what that something is, but it was captured in the chat communication ). I advised the loan officer that according to the CFPB, I only needed to provide the XXXX key pieces of information which I had already supplied. The Loan Estimate was provided on XXXX at XXXX and my loan was subsequently denied at XXXX. The reason provided for denying my loan application was " due to too many inquiries ''. However, a quick check of my credit would have revealed that the inquiries were all related to me starting the mortgage shopping process. 

This leads me to believe that Quicken did n't want to stand by the {$2500.00} offer that they had provided in the mailer. I prefer believing in that than over the alternative, which is that I was denied the loan because of my race which is pretty obvious by my name.
Consumer complaint received 2016-05-09
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: I.C. System, Inc. (TX)

I have asked IC System Inc to validate a collection they are reporting on my credit reports on XXXX/XXXX/16, XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Consumer complaint received 2017-02-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc. (TX)

I had 11 missed called from them in just 1 DAY.. not including emails. The calls come from different numbers every time I receive a call. When I answer and inform that I will not make a payment until I get paid I start getting harassed about paying my bill before my actual due date.
Consumer complaint received 2018-12-01
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: EQUIFAX, INC. (FL)

I sent a letter to Equifax specifically asking them to VALIDATE a collection agency on my credit report-XXXX. They replyed with a letter stating they Validated the information and did not give me any of the information as to who did the process, etc. like I requested.I sent my request in a certified letter ( i have attached a copy ). They are in violation of FDCPA, section 809 ( B ), AND fcra 611 ( A ). IF they will not comply I will take them to small claims court. I have attached supporting documents.
Consumer complaint received 2015-05-04
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE (VT)

I have an LL Bean Visa Card issued by Barclaycard. I pay more then my monthly balance each month. This month I receive my statement and it shows a past due amount for XXXX and a late fee. I paid XXXX 's payment on XXXX XXXX. When I called the company to inquire about this, I was told that I paid my XXXX 's payment too early, so now it is late. I now owe XXXX 's payment and XXXX 's payment. I think this is an unfair business practice and I believe I should have been notified that if I paid a payment too early ( even though we are in a whole new month ) then it would be considered late.
Consumer complaint received 2015-03-26
Product: Credit card — 
Issue: Credit determination — 
Company: SYNCHRONY FINANCIAL (CA)

I applied for the Paypal Extras Mastercard and was told by Sychrony bank I was approved for 300.00 on the Mastercard. What I got was a paypal account that can only be used with paypal vendors. I did n't not apply for a Paypal smart connect account but this is what I received. I did n't authorize them to run my credit for the smart account. I only authorized my credit to be ran for the mastercard account. Now I have a hard inquiry on my credit and a closed Paypal smart account which now will affect my credit score.
Consumer complaint received 2020-04-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (CA)

Citibank I am having trouble paying my bills with my debit card last night. ( I HAVE A CHECKING ACCOUNT ) have than enough money in my account to cover bills ( I already had enough money on my account, and made more deposits last night ). 

Why does my debit card continue to decline? Ive already called 5 times. 

Customer service rep 1 : Everythings ok, your card shouldnt of been declined I tried paying my bill. Same issue. Declined. I called back 10 mins later. 

Customer service rep # 2 : it seems fine, but I cant do anything our system is down. Try calling us at XXXX your time. 

Tried paying my bill again. Same thing happened. 

Called back 10 mins later. 

Customer Service # 3 : hangs up on me without even opening my mouth. 

Call 4 and 5. Been on hold for more thank 30 mins. 

Please help. Ive already written to them on BOTH your XXXX accounts ( Citi and Citibank US ), I sent a PRIVATE MESSAGE to Citibank US on XXXX, and I left a COMMENT on your XXXX  Account @ citi, and sent a PRIVATE MESSAGE on XXXX @ Citi with the same message. I also emailed them. 

They finally respond back on XXXX, telling me to call their Fraud department which I did. The Fraud department doesnt know whats going on, and is convinced that its not them. I straight up sat with the Fraud department and tried 3 different retailers : XXXX to pay my insurance XXXX XXXX 3 different retailers are telling me its CITIBANK, and not them. Fraud Department leaves me hanging, and transferring me over to customer service. I was place on hold with customer yet again for the 8th time now ... someone picks up and hangs up on me
Consumer complaint received 2016-03-24
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (UT)

XXXX XXXX Bank issued a new disclosure they would be dramatically increasing my rate, on a credit report rating based upon information received from equifax. Under XXXX disclosure Under Federal Law, you have the right to obtain a copy of your credit report without charge for 60 days after you received this notice ( notice date XXXX XXXX, 2016. To obtain your free report, contact Equifax. on the web : Visit equifax.com. Equifax site required signing up for their service, with the option of canceling at any time. This was done today and Equifax would not refund The {$19.00} saying I used their service. Their website did not give an option of free credit reporting.
Consumer complaint received 2016-10-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (IL)

I placed a dispute with equifax earlier in the year due to there is a second social security number on my credit report and tradelines that did not belong to me. I disputed the items, the dispute returned deletion of all information that did belong to me. as of me checking my report all information that was previously deleted from my file has been placed back on my file.
Consumer complaint received 2021-01-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

I sold an item on XXXX  and collected payment via PayPal. The buyer of the item claims the item was purchased on the account fraudulently after I had already sent the buyer the item he purchased. PayPal took the money from my account and returned it to the buyer and allowed him to keep the item. I find it highly unlikely that someone was able to fraudulently access both the buyer 's XXXX  and PayPal accounts. PayPal claims they offer seller protection but none was given in this case.
Consumer complaint received 2015-07-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (KY)

XXXX of the creditors listed on my credit report is XXXX ( filing number XXXX ), opened in XX/XX/1983, high credit limit of XXXX, curent balance of XXXX, as of XXXX XXXX. Shows a rev pament of {$28.00}, not pastdue, and no history of late payments. This account does not belong to me, and should not be on my report.
Consumer complaint received 2016-11-11
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (CA)

I sent a request for validation to XXXX XXXX on XXXX/XXXX/XXXX sent to the address on my credit report. The letter was returned as undeliverable on XXXX/XXXX/XXXX certified tracking # XXXX. 

On XXXX XXXX XXXX, I sent a letter to XXXX requesting that this inaccurate item be removed from my credit report as the company had violated my rights per the FCRA. The law requires a furnisher of data to provide an accurate address with which a consumer may contact the provider to dispute the validity of reported information. This company is using a bogus, invalid address making it impossible for a consumer to get a hold of. The FCRA states that the item must be re-investigated within 30 days or delete the inaccurate item before the end of the 30-day period. 

Reinvestigation Required ( A ) In general. Subject to subsection ( f ), if thecompleteness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the filein accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Furthermore, on XXXX XXXX, XXXX I also disputed the item with Equifax via certified mail tracking # XXXX informing you of the invalid contact address that they are providing on my file and that I had requested validation from them. It does n't matter if you have your own way to contact them to verify, they can not get away with this and I will not allow your firm to be complicit without accepting liability for the damages to me and my family. 

As a final attempt to get in contact with XXXX, On XXXX XXXX, XXXX I sent a certified letter tracking # XXXX to their corporate " registered agent '' XXXX XXXX to which I 've yet to receive a response from. Clearly they have no regard for my consumer rights and fail to follow the FCRA/FDCPA. 

It 's nearly almost a year since I 've been requesting that this inaccurate item be deleted from my credit report. It 's absurd how difficult this has been, a consumer should not have to go through so much just to get a resolution to a complaint. This company should be reprimanded for using a bogus invalid address and avoiding complaints as an attempt to not follow FCRA/FDCPA law. 

The Bureaus still reports the same address XXXX XXXX XXXX XXXX, FL XXXX to contact them at per my Equifax current report. See attached copy of my current report. 

Attached is validation request sent to XXXX, Certified Letter sent to Equifax, Certified Letter sent to XXXX Corporate Resident Agent, and current copy of my report showing the same invalid address.
Consumer complaint received 2016-04-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (MO)

I have had XXXX public records removed from both my XXXX report and also my XXXX credit report. I reported this to the Equifax company and they refuse to remove the XXXX public records as to follow suit with the other XXXX company 's that removed it do it being taken care of. Please help get it removed so that they all, show the same.
Consumer complaint received 2016-07-14
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (CA)

I got a mailer - I went in to get a pay day loan which was to be free of interest and fees. I double read the flyer and I was within the guidlines. I go in the lady goes to enter in the code says it does not work calls the district manager and he said it is for returning customers - I had been there before - they would not honor the flyer. I called their executive offices, they told me they would have someone call never did I emailed and called several times and when the payday loan was due they took all {$300.00} and did not honor the flyer. I passsed my XXXX so I do know the difference between a consumer and a customer - I was a returning customer I did business with them before they cheated me need to be stopped from XXXX over consumers. I should have paid {$250.00} instead {$300.00}