davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

I served on the company a demand for validation of the debt they are reporting that I owe them ; company failed or refused to validate the debt and/or failed to investigate and the company continues to falsely/fraudulently report to the credit bureaus negative comments and/or remarks that injure me and drastically affect my credit score even after failing to validate the debt pursuant to law ( see demand for debt validation letter ( s ) included ), whereas the company is in default and their false reporting must be deleted from my credit report ; this company also violated the law when they canceled the associated credit card ( s ) without lawful authority and absent my consent. This/these lines of credit must be restored forthwith.
Consumer complaint received 2020-10-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (MA)

I see multiple XXXX days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2022-07-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc (GA)

When checking out for an order on XXXX I elected to use Affirm via XXXX XXXX ( a XXXX company ) for a purchase of roughly {$400.00}. When they first payment went to be processed my card was declined, which I was not notified about until 31 days past ( day 31 is today ). Upon my trying to rectify the situation by manually processing a payment on their website, XXXX  XXXX, and XXXX XXXX  all allowed me to input additional payment information but payments continued to fail. After calling their customer service and speaking with three separate people I was able to attempt to pay off the balance of the loan using my husband 's debit card ( they re-tried my credit card, which was not able to be validated by their system despite my account showing me available credit ). Their ( the company 's ) payment processing system was at first not able to validate my husband 's debit card to complete a payment but after some trouble-shooting from him the payment was, in fact, processed.
Consumer complaint received 2020-07-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On bank of Americas XXXX prepaid card services, in there terms and conditions it states this : Emergency Cash Transfers. You may obtain cash at a XXXX XXXX location in the United States ( Emergency Cash Transfer ). All Emergency Cash Transfer requests must be initiated through the Bank of America California XXXX XXXX Department XXXX XXXX XXXX XXXX ( the " Service Center '' ). All requests for Emergency Cash Transfers are subject to the Emergency Cash Transfer Fees stated in the Fee Disclosure. All requests for Emergency Cash Transfers are subject to XXXX XXXX guidelines which could vary by state and could include certain dollar limits, identification requirements and other restrictions. If you request an Emergency Cash Transfer, you agree that we have no liability for any losses or damages that you may suffer arising out of any action, non-action or delayed action on the part of XXXX XXXX or its agents or any other third party. 

I called the, twice on XXXX XXXX  2020. First person said my account isnt eligible for this because my card has been mailed, I hung up, the second person said they dont offer this anymore, Im waiting on my new card but also have an available balance of {$10000.00} and they are telling me this isnt available to customers any more, but yet they Still have it on there website. My name is XXXX XXXX. I tried to talk to a manager and they told me they dont have anyone higher up, or anyone else for that matter I can speak to, and theres just nothing they can do except for have a manager call me back in 72 hours! This is crazy. I needed this money now, as it is my unemployment Ive been waiting for almost 5 months for. Im so frustrated that they cant let me talk to an actual person who can make something happen. I should be able to get my money somehow, even if it was to let me go into a bank branch or they make a money transfer to my other bank account. I need to feed my kids, yet I cant because they wont let me access my money unless my new card has came.
Consumer complaint received 2023-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Consumer Portfolio Services, Inc. (NY)

On XXXX XXXX, 2023 a inquiry from this company ( s ) was pulled from my credit without my notice or authorization. I did not apply for anything with these company ( s ), I believe I was a victim of fraudulent activity. These unauthorized inquiries have negatively affected my credit score and my ability to acquire credit. I need these false items removed from my credit report as soon a possible.
Consumer complaint received 2020-08-27
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (PA)

On XX/XX/2020 we signed on our VA refinance loan with PennyMac,  and set a closing date for our paperwork on XX/XX/XXXX. Penny Mac cancelled that closing due to an error in their calculation of our taxes, and did not let us know that they cancelled. We have spent the last 24 days calling every departemnt to help us, and no one can help put in the correct numbers. 24 days since be were to close, and we are about to loose the rate we locked into for the refinance, and no one can seem to help or call us back from PennyMac.
Consumer complaint received 2020-07-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX, my Chase Sapphire Reserve was fraudulently used in a series of transactions at a handful of online vendors including XXXX ( 6 transactions for a cumulative {$450.00} ) as well as XXXX XXXX XXXX XXXX ( one transaction for {$190.00} ) and a charge with XXXX  ( {$350.00} ). Cumulative fraudulent charges were {$990.00}. Chase notified me of the fraudulent XXXX 's charge and over the phone, I identified the series of transactions that were not my own. I was issued a new card and charges were removed from my account. 

On XX/XX/XXXX, Chase mailed a letter to me indicating their fraud department investigated the charges and concluded the {$450.00} of charges at XXXX were my own responsibility and restated the charges on my account. 

Over the course of the next couple of months, I repeatedly called Chase to dispute these charges. With COVID-19, most call centers were down and I was often taken in circles. On XX/XX/XXXX, I received another letter stating Chase was maintaining their position that the charges were valid and my responsibility. Please note, no background detail was provided as to why they found these charges my responsibility. 

Finally after another series of phone calls, a representative instructed me that the reasoning for Chase to restate the charges was because I had shopped at XXXX previously. I was instructed to fax a copy of my online XXXX history as proof that I had not shopped at XXXX on XX/XX/XXXX. On XX/XX/XXXX, I faxed my online XXXX shopping history, which proved I had not purchased anything on XXXX since XX/XX/XXXX. 

On XX/XX/XXXX, they credited me {$12.00} of the total {$450.00} due to immateriality. After not hearing from Chase, I received a letter dated XX/XX/XXXX, stating that they reviewed and confirmed the fraudulent {$450.00} charges were my responsibility, would remain on my account, and the fraud claim was now closed. 

Overall, I found the lack of guidance and ability to provide personal customer service by representatives to be severely inadequate. I was never able to speak to the personnel reviewing the claim, nor was I able to receive a valid explanation as to why the fraudulent charges on my account were deemed my own responsibility. I was a victim of fraud and Chase failed to protect me as their customer. I found the entire process disheartening and devoid of rationale.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2020-07-02
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/XXXX, I received a notification that XXXX/WALMART was a new account on my consumer credit report. This account was previously deleted back in the year XXXX and I did not receive a notice from XXXX/WALMART that it will be re-inserted. Furthermore, this account does not belong to me as previously determined in XXXX. This reporting is in violation of the law where it states that I must receive written notification that the account will be re-inserted WITHIN 5 business days as per FCRA 611 ( a ) ( 5 ) ( B ). I did not get notified in writing as per the law. My credit is extremely important to me and I would like this account removed from my credit reports immediately.
Consumer complaint received 2020-07-02
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I am the XXXX XXXX  and XXXX XXXXr of a XXXX, Ohio-based XXXX XXXX, XXXX XXXX XXXX, which has been defrauded by a client of Fifth Third Bank -- XXXX XXXX XXXX XXXX, which is based in Illinois. Their 5/3 account number is : XXXX XXXX XXXX XXXX paid my company {$3000.00} on XX/XX/2020 via ACH ( from Fifth Third account to our XXXX account ). They also introduced me to XXXX XXXX, the Vice President and commercial accounts manager at 5/3 Bank in XXXX, IL : XXXX : XXXX I spoke with XXXX on the phone on XX/XX/XXXX XXXX to make sure that XXXX XXXX XXXX did indeed pay via ACH , which she confirmed they did. 

XXXX XXXX XXXX XXXX also provided us with a signed letter stating they paid us {$3000.00} and have no claims ( which I enclose ). 

However, on XX/XX/XXXX, XXXX XXXX XXXX was able to completely reverse the ACH payment -- all {$3000.00} of our money, from our bank account at XXXX. This is bank fraud, pure and simple. I pointed out in my complaint to XXXX XXXX that ACH reversals are only allowed if there was either a mistake in the amount or a mistake in the recipient, neither of which were the case as easily proven. Despite that, somehow the internal controls of Fifth Third Bank failed, and this fraud was allowed to happen. I thought that at least by bringing this to the attention of Ms. XXXX she would be able to correct the mistake and prevent Fifth Third from being part of this fraud by XXXX XXXX XXXX, however, unfortunately, she simply washed her hands and said this is a dispute between XXXX XXXX XXXX XXXX and XXXX XXXX XXXX -- total nonsense considering we are talking about a bank transaction, a fraudulent payment reversal that was somehow allowed by the XXXX branch of Fifth Third Bank. 

I have filed a complaint with the Federal Motor Carrier Safety Administration ( FMCSA ) of the U.S. Department of Transportation, and have also filed complaints with the U.S. military since it was their shipment that we transported on behalf of XXXX XXXX XXXX ( who acted as a broker ). I will be continually escalating this on all avenues, especially the U.S. government and on social media, so that everyone knows what kind of a company XXXX XXXX XXXX is.
Consumer complaint received 2022-03-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (CA)

Amazon 's Credit Card- through Syncrony : Initially set up an autopayment for the minimum due, in case I missed making the payment I wouldn't get dinged for missing with fee 's and a 30 day late- which all banks want to do to you to raise the costs to you. That autopayment unbenounced to me wasn't going because I was already making payments during the month to pay down the card. I was confused when I calculated the amounts over the last 6 months that should have been made as to why the cards balance was still so high. It was because NONE of the autopayments had gone. I then adjusted the autopay to be {$50.00} which was higher than the minimum due by far. This over 6 months would have paid off the balance ( along with the extra payments that were made ). Instead it goes additional months- with interest - that's not acceptable. Synchrony will tell you that it's to avoid double payments and avoid NSF 's, I can see that use case as well. But, for me it's about paying the debt off as quickly as possible. Why do I want to pay interest if I don't have to? 
The letter today was - ( attached ) your autopayment is {$0.00}. The online system tells you that you are paying {$50.00}, that's another issue. This is screwing the customer for additional interest and that's not acceptable. 

If I have an amount in my autopay- it should get paid. They can't chose for me. This adds additional interest to my account.
Consumer complaint received 2020-07-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Capital One and Capital One XXXX charges my credit card for a hotel reservations made for XX/XX/XXXX. 
When I arrived at the hotel there was a sign on the door stating it was closed due to the XXXX XXXX issues. 
I was unable to stay at the hotel and Capital One travel still charged my card for XXXX nights. 
I have tried numerous times and explained that I could not stay at the hotel because it was closed upon my arrival due to the Pandemic.

They have refused to reimburse the charges and even after I sent documentation from the hotel stating that it was closed and I could not stay there, they still refused to reimburse the {$270.00} in charges that their company charged on my card. 
I have provided all the documents they have requested to show this and to this day they still refuse to reimburse those charges.
Consumer complaint received 2023-03-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Oliver Adjustment Co. (WI)

This is the second time within two months that I have received notices from a collection agency for medical bills for XXXX  XXXX XXXX. In both cases I was never billed by XXXX  XXXX XXXX  for their services. I replied to the first notice and paid the amount owed. In my reply I suggested that XXXX  XXXX XXXX  amend their billing process to ensure the customer was billed and provide a second notice before submitting to a collection agency. 

My advice was ignored and I have now received a second bill with the same circumstances. The practice by XXXX  XXXX XXXX  of failing to bill the customer and sending the bill to a collection agency is unfair. I am now very concerned that my credit rating may be adversely affected for a bill I never received. 

This practice by XXXX  XXXX XXXX  must be stopped. It is not only unfair but a complete waste of time and resources by both parties.
Consumer complaint received 2020-07-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (LA)

On XX/XX/2020 ; I sent a letter certified to the collection agency informing them that I was requesting Validation and Proof id Claim for an account that was being reported on my credit reports. I received the certified card back on XX/XX/2020 with a signature that my letter had been received. On XX/XX/2020 ; I received my XXXX  credit report and the account had been deleted yet it still remains on my XXXX  and XXXX   credit reports. I am again requesting this collection agency send documentation to have this account deleted from my XXXX  and XXXX  credit reports ASAP and also provide me with the documentation that this has been done.
Consumer complaint received 2020-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Colony Brands, Inc. (KY)

XXXX XXXX - is not showing an account number plus it has already been paid of and closed i need to know why it is reporting derogatory on my credit report. 

Swiss Colony- is also not showing the correct information as well. it has been paid off and closed for years. Plus it doesn't show any account number on my credit report and is also showing a s a derogatory mark on all 3 credit reports. 


Ginny is another company on the same path as the other 2. It has affected my credit in a negative way and I would like all 3 removed from my credit reports.
Consumer complaint received 2020-08-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

I XXXX XXXX XXXX On XX/XX/2020. I Closed my Capital One credit card account after Captial One refused to process my credit card monthly payment of {$300.00} that was set up with my XXXX XXXX   checking account causing over {$100.00} in overdraft due to not properly processing my ACH payments to capital one. I requested that the capital one accept my final payment by money order or through XXXX to ensure that my payment is processed. And I had already closed down my capital one account due to their company 's lack of payment processing. On XX/XX/2020, I again contacted Capital One Customer service by phone explaining that I will make the payment if capital one send me a final statement that I could put a money order with and send what I owe to capital one and I would never have to deal with them and they will not have to deal with me never again. instead of helping me to find a solution to this problem Capital One instead is unwilling to help me to make the payment owed by other means other than ACH processing which I will not give them my bank information again. Since I have closed down my Captial one account, Capital one has been falsely reporting misleading information to all three major credit bureaus accusing me of not making or trying to make the final payment of {$300.00} payment weekly since I closed my capital one account on XXXX XX/XX/2020. Please help i just want to make payment and have my credit report corrected and all misleading remarks removed from my credit report that was falsely wrongfully added to all three of my credit report by Capital One. 

Thank you XXXX XXXX XXXX XXXX, Ky
Consumer complaint received 2020-07-02
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On XXXX XXXX I purchased a necklace as a wedding anniversary present for my beloved wife XXXX from the XXXX XXXX XXXX. The price was {$380.00}. I asked the XXXX XXXX XXXX for the discounted price for members of the XXXX XXXX of which I was a member at the time. The member price was {$330.00}. I asked that I received credit for the difference between the two ( 2 ) prices. 

On XXXX XXXX in reviewing my online banking statement from the Bank of America I noticed DOUBLE BILLING : the XXXX XXXX XXXX had billed my debit card twice : the {$330.00} and the {$330.00}! 

I immediately with my on-line banking had two ( 2 ) checks stopped at a bank fee of {$30.00} each! 

I then immediately called the Bank of America and spoke with XXXX. I explained over and over that my account was dangerously low because of the double billing and repeatedly asked her to delete the {$380.00} which she repeatedly stated that she would not do! 

Today XXXX XXXX XXXX I received an email from the Bank of America that my account had a NEGATIVE BALANCE OF {$75.00}! I was also notified that money was taken from my Bank of America credit card to cover the charges on my debit card! This when I had told XXXX at the Bank of America that my account was dangerously low and the double billing had to be reversed! The result of the money being transferred from my credit ward was my being charged a fee for the transfer and interest on the transfer and I can not use my credit card because it is near the maximum limit! 

So I immediately emailed Mr. XXXX XXXX a customer relations manager at the Bank of America branch in XXXX, New Jersey where my beloved wife and I live! 

I went to the branch to speak to him. He said he had gotten my email and would work on the problem. I told him that the {$380.00} had immediately to be removed as this was double billing. He did nothing! 

In short, THE BANK OF AMERICA HAS DONE NOTHING TO PROTECT MY INTERESTS EVEN THOUGH THE XXXX XXXX XXXX AS XXXX COULD PLAINLY SEE HAD DOUBLED BILLED ME AND AS MR. XXXX COULD PLAINLY SEE AS WELL!