davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

On XX/XX/2022, I mailed a check for XXXX XXXX Dollars from the XXXX Government by certified mail for deposit into my Capital One checking account. The check was delivered XX/XX/2022. Capital One acknowledged receipt. 

Unfortunately, after more than XXXX months the funds still have not been deposited into my account. I have made multiple inquiries over the past XXXX months. Customer service staff reported that the delay is because the XXXX XXXX Department did not get a response from the payor ( XXXX XXXX XXXX, the equivalent of the IRS ). Customer Service staff could not tell me the nature of the information requested or the process for resolving the problem. Despite requests for more information about how Capital One would resolve the problem, I have received no additional information and the check has still not been deposited. 

On XX/XX/2022 I mailed complaint letters to Capital One 's Main Office and to the XXXX XXXX XXXX. No response.
Consumer complaint received 2022-03-31
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: Experian Information Solutions Inc. (MI)

Im accordance with the fair credit reporting act XXXX XXXX account # XXXX XXXX  XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX/dept of Ed account # XXXXXXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have the right to privacy 15 U.S.C 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2020-08-29
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Syncapay, Inc (NC)

On XX/XX/2020, I purchased a {$200.00} virtual visa gift card via XXXX app. On XX/XX/2020, I tried to use it for the full amount of {$200.00} but the transaction was declined, the payment DID NOT go through. However, when I checked the gift card balance, I found that it has XXXX balance. The transaction was pre-authorization, this hold always falls off in 2-3 business days and the funds go back to the card. In my case, this didn't happen. Prepaid Digital Solutions, the issuer of XXXX app virtual visa gift cards, never re-deposited the {$200.00} back into the visa gift card. 

I followed the instructions listed on XXXX app to resolve this issue and filed a dispute with the Prepaid Digital Solutions on XX/XX/2020, I mailed in my dispute documents to Chargeback Services XXXX XXXX XXXX XXXX, FL XXXX USA, USPS tracking number : XXXX, delivered on XX/XX/2020. I never heard back from them and they never deposited the {$200.00} back into the visa gift card. On XX/XX/2020, I called Prepaid Digital Solutions at ( XXXX ) XXXX at XXXX XXXX ET on a recorded line to inquire about the status of my dispute, the agent wasnt able to find my dispute documents and he got a supervisor involved. The agent then unapologetically advised me to dispute what I paid for this gift card directly with my Bank as their dispute process takes 100 days to resolve. 

Ever since I've been trying to solve this dispute with XXXX without success.
Consumer complaint received 2021-06-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (TX)

Received repeated phone calls and letters attempting to collect debt. Agent XXXX XXXX contacted me in XXXX and at that time I requested further communication via regular mail and to confirm the original creditor. Agent became belligerent regarding his prior attempts to collect the debt and also proceeded to collect by offering a settlement prior to confirmation of debt and original creditor. I sent a letter to agent certified with return receipt requesting confirmation of original credit and debt in XXXX. I have yet to receive any written confirmation from agent as of today.
Consumer complaint received 2019-10-10
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc. (FL)

In XX/XX/2019, my vehicle was declared a total loss. On XX/XX/2019, XXXX sent out a total loss statement. On XX/XX/2019, XXXX reported that check had cleared for {$6.00}, XXXX. However, Santander USA Consumer reported that they had no knowledge of check being received. I, XXXX XXXX, had taken it upon myself to three way call Santander USA representative along with XXXX agent and finally, Santander stated that they had received the check but could not process it for 10 days. 


XXXX, asked what was the reason for them to hold check, cash and not process until a week later, Santander responded that they had procedures to follow. XXXX ask Santander where they in receipt of Gap payment from XXXX XXXX, XXXX? 


Santander representative acknowledge payment, however, again they were unable to apply payment. 


For the next couple of weeks, XXXX, attempted to contact Santander regarding payment ; however ; Santander stated to XXXX that in order to apply payment, that Santander would need to take two of XXXX, past payments of XXXX and XXXX, delete them ( although funds where deducted out of XXXX bank account previously. 


Santander USA Consumer stated that this was required in order for payments of XXXX and XXXX XXXX to be paid. 


About a week later, XXXX received a letter from Santander stating that loan was under default for missing two payments. XXXX contacted Santander and ask how would loan be under default when over {$12000.00} was received. The agent research and stated it was an error and that the reason was because payments were deleted in order for insurance payments to be processed but for XXXX to ignore issue. 


On XX/XX/2019, XXXX was notified by credit monitoring agency that two payments were missed for XXXX and XX/XX/2019? When XXXX contacted Santander and asked for an explanation, agent and manager stated that it was incorrect. 


XXXX explained to Santander that there closing for a home is less than 30 days and the false credit reporting is jeopardizing XXXX future home. 


The manager at Santander stated that in order to remove report, that XXXX would need to dispute claim. XXXX did not know why it was required since no payments were missed and large insurance funds received. 


When XXXX replied of obtaining an attorney, Santander Manager stated that there Executive Manager would contact me within 24 hours.
Consumer complaint received 2020-08-29
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: BARCLAYS BANK DELAWARE (MS)

I used my Barclaycard to purchase something online. Immediately, after doing the transaction I knew something was wrong and called them. They told me not to worry that it would not charge my account twice and voiced my concerns that I thought something was wrong. Still they said not to worry. I waited for the product to arrive it never did. I tried to call them multiple times, but due to Covid could not get through. I even tried to dispute on their full website and it would not go through. Finally, I called and got through I explained everything to the representative and she filed a dispute. A month or so later a man from Barclay called me and said they were reversing the refund they had given me. Again I tried to explain to him what happened. I asked for this claim to be reviewed by a supervisor. I was told no that they had confirmation of delivery. I again tried to tell him that this was fraud. And he proceeded to tell me that I needed to be more careful when using my credit card. I told him I was careful and called Barclay immediately to report. The person that called me was named XXXX. I asked XXXX what his last name was, and he told me that he would not disclose his last name. I want my XXXX back. This is not the first time this company has done this to me, and I have had my card with them for many years.
Consumer complaint received 2019-10-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION (CA)

When attempting to use my BBVA debit card to access available funds, through cash withdrawals or point of sale purchases, BBVA is arbitrarily blocking and denying payment. 

At the end of XX/XX/XXXX on or about the XX/XX/XXXX I went to a XXXX XXXX grocery store, money center to XXXX XXXX cash to my family who was visiting XXXX XXXX. I attempted a point of sale purchase to receive cash back to pay my move in deposit in XXXX Oregon. 

BBVA blocked each attempt I made. I tried once and it didn't go through so I tried again with a lower amount which also didn't go through. I contacted the bank and after a lengthy hold was informed that the transaction was blocked due to potential fraud. 

I verified my identity sufficiently and was told that my card was unblocked. I went back into the store and again attempted the transaction. My wife and XXXX children have been waiting at XXXX XXXX in a foreign country this whole time not knowing why the funds were unavailable. 

Again the transactions were denied so I called back. After waiting 45 minutes to speak to a representative she informed me that they had again locked my card due to possible fraud. 

So I asked her to remain on the line while I attempted the transaction and it was successful. After a mere 1 hour and 45 minutes the single transaction was complete. 

On XX/XX/XXXX first I contacted BBVA support letting them know that I would be making a large transaction in the next couple of days. I was informed that there wouldn't be any problem. On the XX/XX/XXXX I attempted a point of sale transaction at XXXX XXXX in XXXX Oregon to pay my rent. 

It was blocked ... I contacted support who denied blocking the transaction until I asked for a supervisor then finally acknowledged that they had blocked it. I called the branch where I opened the account and was informed that because they didn't have any locations in Oregon that they couldn't help me. 

I tried performing a transfer to another bank where I have an account and BBVA blocked that transaction as well. 

At this point I have spent numerous hours in contact or attempting to contact BBVA to  resolve this matter. I have been embarrassed at each location and this has damaged professional and personal relationships. This was caused by negligence or possibly even intentionally.
Consumer complaint received 2020-08-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Millco Management (NC)

Amerifinancial Solutions ( Original Creditor WakeMed Physicians ) I've tried to call XXXX XXXX XXXX for the first year I received the debt. They billed it incorrectly despite me telling them at the hospital that XXXX XXXX XXXX XXXX was my primary insurance. Instead they billed Medicare has primary instead of secondary. I attempted to call numerous times to resolve but could never get through. Once I found it on my credit, I called Amerifinancial 3 times, each hold time was over 23 minutes. They said they would resubmit to XXXX XXXX but its still on my credit. 

Finally I tried to dispute it with XXXX, XXXX and XXXX   providing a copy of both insurance cards to prove that I don't owe the debt, that I have insurance that covers it 100 %, that I attempted to resolve with the original creditor and collection agency and for them take it off my credit. XXXX stated that the dispute was resolve within 2 days and that I owe the debt. Not sure how they were able to verify and come to this conclusion with the insurance cards in that short amount of time. They didn't even have time to send to the creditor to submit correctly to the insurance company. 

I have a XXXX XXXX XXXX with XXXX XXXX XXXX. It is very hard for me to keep calling and sending messages for a debt that I don't owe. This has been going on for over a year and a half. All they have to do is submit the bill to the insurance company and they will pay. I've already contacted both insurance companies and they were the ones who stated that XXXX XXXX submitted incorrectly and that's why they rejected the claim.
Consumer complaint received 2020-08-26
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Vericred Solutions LLC (TX)

I Filed a complaint against vericred solutions with CFPB on XX/XX/2020 requesting 7 documents.Vericred did not send the following 5 documents. 
1.proof that they own this debt. 
2.proof that they have the right to collect this debt in my state. 
3.proof that they carry a bond. 
4.proof have they access the outstanding debt. 
5.payment history from the original creditor. 
Under the fair debt collections practice act I am allowed to request verification from third party collections agencies.
Consumer complaint received 2022-10-13
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. (MO)

I am submitting this CFPB complaint as a follow up XXXX the previous CFPB Complaint I submitted on XX/XX/XXXX. This is my fourth endeavor to inform the XXXX XXXX XXXX that I am a victim of identity theft and I complain to question specific records in my document coming about because of the crime. Under the Fair Credit Reporting Act section 605b, the Credit Reporting Agencies are required to remove the disputed accounts and information that are reporting on my Credit file. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. Pleas have the following items deleted completely from my Credit File : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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
Consumer complaint received 2020-09-03
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: HYUNDAI CAPITAL AMERICA (VA)

This complaint is a continuation from previous CFPB complaint XXXX and escalation as KIA has taken more egregious actions without every providing a response and resolution for their initial illegal payment application and collection actions. 

KIA has continued to apply our auto debited payments that are required to be applied to the payment illegally, and have applied to them to the annual tax advance. In consequence, their system has flagged us as delinquent, now by 79 days. This is after we had made a payment previously to KIA and filed a complaint for the same said activity, to which they provided no excuse or even response to that said portion of the complaint. 

KIA has now moved into theft of our personal property as part of their illegal collection and recovery activities. On late as XX/XX/XXXX, they auto debited a payment from our account that should have been applied to the monthly payments as per contract and legal requirements. However, they continued to apply these payments incorrectly and then made the decision to repo the vehicle less than a month later on XXXX. 

Again, they have now illegally applied payments incorrectly and repo 'd a vehicle within a month of the last payment from customers who have been with KIA for 5+ years and had our account on auto draft for payments. 

This has caused significant mental anguish, pain and suffering and if KMF does not take the appropriate actions, we have now started the process to retain legal council to start a suit against KMF.
Consumer complaint received 2020-11-03
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.
Consumer complaint received 2022-12-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.
Consumer complaint received 2019-10-03
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX credit card. 
I have not used my credit card in well over 18 months. 
It does not even work. I reported this issue to them. Furthermore, there were fraudulently charges made in or around XX/XX/XXXX of this year for about {$30.00}. I had no idea there was any activity on the account. The credit card company issued about {$120.00} in charges related to this single charge not being paid. When I became aware of this around XX/XX/XXXX, I brought the fraud to the company 's attention. I also, to protect my credit, paid by check by phone over {$140.00} ( XX/XX/XXXX ) to pay off the balance while they investigated. This was to prevent the right hand not speaking to the left and a charge off occurring. This is because I have a XXXX credit score to protect. I am in the middle of a refinance. I also have business credit cards that rely on my personal credit history. All got harmed because of XXXX XXXX being incompetent and unhelpful. 
Yesterday, I was on the phone with them for over 2 hours reviewing XX/XX/XXXX - the money I paid -- where did it go? On XX/XX/XXXX, from XXXX XXXX, I paid online another {$47.00}. Where did this payment go? Why is the current balance on XXXX XXXX showing {$140.00}. They have violated my rights under the Fair Credit Act. The account should be XXXX balance or even negative. They need to restore the credit card to good standing. I do not want to close the account. And they need to update the credit bureaus to reflect that this was their error and they improperly reported. I have identification numbers on the employees I spoke with. XXXX '' XXXX '' XX/XX/XXXX -- he could not locate where my two payments went. He transferred me to escalations. I spoke with XXXX. I spoke with XXXX. {$100.00} are bank fees. {$13.00} are interest charges. They need to remove these. My account ends with XXXX The credit card has an expiration of XX/XX/XXXX. I have been a client of their since XX/XX/XXXX. I have called them over 6 times since XX/XX/XXXX and they are not helpful. They keep saying this is en effort to collect a debt .... And then they ask me to start over again. I ask them what do the notes say? Why am I having to repeat myself.
Consumer complaint received 2021-02-20
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. (CA)

I contact Equifax with a letter XXXX of XXXX and never had a response. I called to disputed 1st week of XXXX XXXX and took info over phone. I received their response within 30 days and said the item was reported correctly. I called them again 2nd week of XXXX XXXX land told them again of the circumstances and am not responsible for this report being derogative as it wasn't my fault and if they had researched it and spoke to XXXX they would have learned that I wasn't responsible.After receiving bill I called XXXX and they said it was paid. I continued to receive bill periodically and then followed up with XXXX and they said not paid. After going back and forth I learned from XXXX that it was billed in to parts. 1 from the the XXXX dept. that showed paid and XXXX other from reading of the XXXX that was returned by XXXX to make correction to name and resubmit for payment. XXXX never did and XXXX never paid. In XXXX. of XXXX I spoke to a supervisor of the XXXX reading dept. and she looked into it and said they would notify XXXX  and stop the collection but they couldn't remove it from my credit reporting agency but could notify them to notate it was an error.. I checked with Equifax the later part of XXXX and learned it was still showing as a derogative. I contacted Equifax XXXX of XXXX XXXX regarding this matter and again explained to them that this is not my fault. I have ins. I pay and they would have paid it as I had already met my deductible. It is the fault of the billing company. They advised me to file with FTC..I need this matter corrected and reasoned from credit reporting agency as it is the only item against my credit
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

The accounts appearing on my credit report have not been properly verified by the reporting agencies or the creditors. Under the Fair Credit Reporting Act, I have requested proof that these accounts are valid, but they remain unverified. Without sufficient verification, these accounts should be removed from my credit report.