davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-07
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$14000.00}, {$330.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$330.00} -This is not my account.
Consumer complaint received 2022-11-18
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: Experian Information Solutions Inc. (AZ)

I viewed my credit report and saw there was a XXXX  loan that did not pertain to me and I tried to dispute I was working when they applied for the federal loan. Im a single mom of XXXX small children in all honesty I couldnt work and go to school.
Consumer complaint received 2024-09-13
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

The beginning balance of XXXX statement ( period XX/XX/204 - XX/XX/2024 ) indicates {$260.00} and I paid {$440.00} So There are no balance subjects to Interest rate but In XXXX statement stated that it is {$2000.00} and interest charge is {$51.00}. 
Therefore, I asked to waive the interest charge. I called over 5 times. and all agents who connected with me denied removing interest charge. And they push me to trust their system without thinking.
Consumer complaint received 2020-09-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

My employment was affected by Covid 19. I informed Capital One and they have assistance but I was charged late fees and I was credited the fees except for one that is {$25.00}. I called in XXXX and was told it would be credited. I then called in XXXX and told the same thing. But when I called in XXXX I was told they would not credit the {$25.00} fee cause it was from XXXX. That's not what I was told therefore I it should be removed.
Consumer complaint received 2020-08-24
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CNG FINANCIAL CORPORATION (WI)

First they contacted me as XXXX XXXX XXXX on XX/XX/2020. They stated that I owed a debt of {$4400.00} but that the outstanding debt they wished to collect right now was {$890.00}. They informed me that they were going to A. put a hold on my Social Security number, B. charge me for violation of Federal Banking regulations, collateral check fraud, and theft by deception C. contact my employer directly. 
I informed them that these actions were against the FDC section 805 and 806 and that I requested to no longer be contacted in ANYWAY  through a response to their email. They stated to respond to them but gave no phone number. When I called XXXX XXXX XXXX to find out what was going on, they told me they had no such account. 

I received 1 phone call after this from Check N ' Go. 

Then I received ANOTHER email from Credit Repair Groups on XX/XX/2020 with the same threats however the outstanding amount was {$1200.00} and the settlement amount would be {$890.00}. They also added that they will report me to the FDC and to my bank establishment. They stated that I must respond to them in 72 hours but gave no phone number to do so. I emailed again to inform them that I was not to be contacted and that I was going to report them. 

I received 2 more phone calls from Check N ' Go. 

On XX/XX/2020, I received ANOTHER email from XXXX XXXX XXXX. They gave me a case file number and stated that they will now be garnishing my wages. This time the amount was {$1300.00} outstanding and the settlement amount was {$930.00}. I was going to end up paying {$2400.00} because of the amount I owed and fees. They stated that they will now contact my employer to garnish my wages. I informed them that they did not provide any phone number to contact and settle nor did they provide the company in which I had this " contract '' with. I also informed them that the company they were supposedly trying to collect from had no record of my debt. 

They sent a new email informing me that the company trying to collect my debt was XXXX XXXX online or XXXX XXXX XXXX and that they were a parental payday advance company. They gave me a list of names of their affiliates, subsidiaries, and family companies. Check N ' Go was on that list. 

When I checked on the " court case '' number they provided, I found it was linked to multiple OTHER false court cases that didn't actually exist and were worded EXACTLY how my email was. So they're threatening me with a non-existent court case. 

This makes 4 threatening emails and a total of 3 calls.
Consumer complaint received 2020-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/2020 I contacted Capital One to let them know that XXXX was showing that negative mark on one of my Capital One accounts. XXXX would not give me details about this negative mark and asked me to contact Capital One. I told Capital One this did not make sense since I did not have a balance with them nor have I made a late payment. In fact, I have not had any balance with Capital One for many many months. I told them this negative mark by Capital One was causing a significantly lower credit score ( by 30 points at least ) on my credit report. The Capital One representative could not tell me what they negative mark was and told me to write to Capital One. I have written to Capital One ask them what negative mark they put on my credit report.
Consumer complaint received 2024-12-13
Product: Mortgage — Manufactured home loan
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (OR)

Shellpoint force placed insurance in XXXX that was inappropriate due to i already had insurance. I paid my insurance until XXXX of XXXX. Shellpoint paid the forced insurance out if my escrow accout of more than {$2200.00}. They have yet to refund my escrow account of that {$2200.00} since my insurance was already paid? I have attached all the correspondents, documentation and the times that I have sent to them my homeowners insurance.
Consumer complaint received 2022-01-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC (WA)

In XXXX / XXXX of XXXX, my identity was stolen and a bunch of credit cards were issued in my name by various lenders. I was out of the country when this probably happened and saw mails coming in from these lenders to pay the bills that weren't mine in XXXX. I reached out to the creditors, reported what had happened and asked them to close all accounts. 
Some of them were helpful enough to do that and informed me about the other steps I should take as a victim of identity fraud including XXXX XXXX, XXXX XXXX. 
XXXX XXXX however, refused to close my account when I informed them about what had happened, and asked me to go to a branch and talk to someone without giving me any details around what department to go to, or providing someone specific that might be able to help me. I did not feel comfortable going into a branch in the middle of the pandemic and kept asking for help through their customer care services. My credit score kept plummeting and the credit line on the cards I owned decreased because of that. I was in a bad mental space and did not pursue legal action. I reached out to someone in XXXX and explained them my plight. They asked me to get in writing from XXXX XXXX that my account was created without my permission and only acknowledge the fraudulent activity for my credit score to be fixed. I reached out to them and again, without any support I was shunned down and told there was nothing they could do. 
Months later, in XXXX of XXXX - I received a letter from Radius Global Solutions LLC informing me that XXXX XXXX has placed my account with them for debt collection, and offered me to settle for almost half the amount that was originally owed ( {$200.00} for {$460.00} ). 
I am amazed at the insensitivity of XXXX XXXX as one of the biggest banks and also surprised at the callousness with which they handle severe crimes like Identity Theft and the lack of support provided to such victims. My credit score was in the mid 700s and since then, it has plummeted to early 600s and is causing me all sorts of problems. Please help me get my credit score where it was before this catastrophe started.
Consumer complaint received 2022-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (OH)

My identity was stolen. The thief 's gained access to my Experian account and changed the email so I have no access to my Experian account. I have been calling Experian for 3 days trying to get ahold of someone to talk to but everything is automated. The have no email address to contact. There is no way of me getting ahold of them, meaning there is no way for me to regain access to my account, meaning I cant freeze my account and stop the thief 's from trying to open more accounts in my name. This is insane for a company this large to offer no customer service.
Consumer complaint received 2024-12-04
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: LDF Holdings, LLC (MT)

I applied for the loan for an emergency they told me funds would be in my account same day. I never received the funds now going on 3 weeks. I have been touch with them numerous times while they complete their investigation, they even confirmed by using their automated service to check my account that I never received the funds. But because I verified my account number with them and that is where they the funds went I am now responsible to pay back a {$5000.00} loan that Was initially only for {$1000.00} deposit. They have already tried to pull out a payment of {$290.00} which I stop and now they have me delinquent. Terrible lending practices!
Consumer complaint received 2020-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

My name is XXXX XXXX, and I am having some problems with inaccurate information that has been on my report for several years I have attached a copy on my ID for the correct spelling of my name. Please remove any and all variations of my name and misspelling. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX. Please delete the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX I have never had these numbers at all please delete these cellphone numbers that do not belong to me : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2022-01-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

Some time in XXXX of XXXX I received mail at an old address ( my parent 's address ) with a debit card from USAA. The card has my old name ( last name changed after getting married ). My name is very unusual and it is extremely unlikely that someone would accidentally open an account in my name, especially since it went to my parent 's address where I used to live. Early in XXXX of XXXX my parents received another letter from USAA saying the account address was being changed. We tried twice to contact USAA but end up being disconnected after waiting on hold for long periods of time bouncing between people who didn't know what to do. I am not eligible for any form of USAA account at all so it is even stranger to see one opened fraudulently in my name.
Consumer complaint received 2022-02-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (NY)

We were in a car accident XX/XX/2022. It is now XX/XX/2022 and we still have no resolution to anything. Our insurance company is XXXX. XXXX has been trying to get ahold of Ally Auto for over a week now to get the loan paid off as the car is totaled. Ally refuses to respond to them. Finally after several days of them trying to contact Ally with no response we ourselves had to do a XXXX way call to Ally with XXXX on the line to get them the information they needed to pay the loan off. Even after that, Ally said they are not going to respond to XXXX for another week. XXXX uses an electronic portal to resolve this kind of stuff with auto loan companies, and Ally does not. They wont speak to Ally over the phone, they will not call them, nor will they return calls when messages are left. Meanwhile, even though they know the car is totaled and being paid off, they refuse to do anything in a timely manner and are charging us more every day for the loan by purposely dragging it out. They will not lock in the amount due. 

XXXX have repeatedly asked for a supervisor to speak with. They refuse to give us one. They say they are in meetings all day every day. The one time they did transfer us to one, the phone rings and then just hangs up the call. XXXX been able to leave a message with one supervisor, who did not call us back, and then we were given the phone number of another, XXXX XXXX ( 501 ) 821-8120. She does not return phone calls.
Consumer complaint received 2020-11-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have already paid the debt for XXXX although they will not update balance on my credit. Paid in full on XX/XX/2020. 

Transunion will not update credit with XXXX and XXXX XXXX XXXX with correct balance. 

Transunion removed old pay off debt and reduced my credit score instead of raising the score up.
Consumer complaint received 2022-10-08
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: CITIBANK, N.A. (TX)

XXXX is the Dispute Number. 
XX/XX/2022 -- XXXX {$6100.00}. 
XXXX XXXX -- CITI IS SIDING WITH XXXX DESPITE THE MULTIPLE PROOF THAT SHOWS ITEMS WERE RETURNED AND SAFELY DELIVERED TO XXXX. 
-- -- -- -- -- -- -- -- -- -- -- I Returned a Purchase to XXXX and had to fight them for a refund, even though tracking and every possible details confirms the Item was received as well as their returns Portals. 

I disputed with CITI and they have done a very poor job. I Provided them with Proof Of Delivery PDF from XXXX website, I provided them with a Screenshot of the order details on XXXX that states " Your item has been received and Refund will be processed '', I sent them emails from XXXX XXXX confirming that the item has been returned but for some reason Refund hadn't been issued. I provided them an invoice and statement from XXXX saying they " issued a refund '' but clearly wasn't. I provided CITI with every possible Proof, pictures. screenshots, statements, everything that I could possibly send and twice they have sided with XXXX. 

The first time they sided with XXXX and I had to go on a two month drag with XXXX before they finally refunded me, however I was only refunded for one of the items. I sent the screenshot of the email sent from an XXXX XXXX saying that I would be refunded for both items, but only received a refund for one. 

I redisputed the transaction and Yet they have concluded that despite every single details I sent them, that they are going to do a XXXX poor job of ignoring the facts and siding with XXXX. 

I REFUSE TO BE LIABLE FOR AN ITEM THAT HAS BEEN RETURNED TO THE MERCHANTS. THIS IS A DISPUTE GOING ON 4-5 MONTHS NOW AND HOW THEY CAN BE SO XXXX IN THEIR DECISION MAKING DESPITE THE FACTS IS ABSOLUTELY BENEATH ME. 

I don't know if it's because I am a new customer but quite frankly once this is resolved I will be closing my card with them as they proven they are not in it for me.
Consumer complaint received 2022-04-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CO)

I made my very first payment and set up the payment along with auto pay on XX/XX/XXXX. I finished setting everything up online and questioned whether I did everything correctly or not. After I completed everything I called the company to ensure that I had set everything up correctly. I spoke to an agent named, XXXX. He looked and said everything looked good as far as my payment and the amount I wanted to pay. The amount was supposed to be {$1500.00}. The next day a grand total of {$4700.00} was drafted from my account! I immediately called back to see what could be done to correct this issue. I was promised a refund minus what I owed ( {$1500.00} ). I explained that I needed my funds as soon as possible due to the need to pay other bills! They stated that there is no way to expedite my refund and that any costs I incur as a result of this issue would be mine to bear. They also processed my refund incorrectly and only intended to refund me in the amount {$1500.00} despite being charged {$3100.00} over what I intended to pay ( {$1500.00} ). Today, I spoke to a XXXX who was not only rude, but refused me his XXXX. The response I was given was unacceptable! They said that they did not care that I was filing this complaint or about any other measures I would take for resolving this matter.
Consumer complaint received 2021-01-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO. (NC)

https : XXXX ... ... ... ... ... .. 

On or about XX/XX/XXXX I received an unsolicited debit card by mail from Chase bank. I immediately contacted them and were told that the account had been flagged by their fraud team. They instructed me to get a police report and they would send me an affidavit to the fact. I talked to the police officer and he asked me if I ever had business with chase bank? I remembered having a mortgage with them in the late XX/XX/XXXX. This where things dont add up, I have a credit freeze since XXXX breech and get alerts. With my previous account with chase bank, they would have my credit info and a credit application. I checked the credit bureaus and on XX/XX/XXXX their was an soft inquiry for a promo and no alert was issued. Also, their have been no other merchants involved or no activity on any of the bureaus. Thanks
Consumer complaint received 2023-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

My CaptialOne Savor one credit card has not yet been reported to any credit bureau 's the card was opened/activated in XX/XX/XXXX made a big purchase and paid it off in full on XX/XX/XXXX - WASNT REPORTED again in XXXX made a purchase - STILL NOT REPORTED not even when the account was activated it was not reported this is impacting my score and I would like this to be addressed.
Consumer complaint received 2022-12-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (OR)

On XX/XX/2022 I authorized Chase to pay a bill recipient XXXX via online bill pay. Chase debited my account and according to its system sent a paper check to my bill recipient. The recipient says they never received the check. Chase refuses to provide me with any information to show the recipient has actually cashed or recieved the funds from the paper check. The only documentation Chase will provide me is a proof of payment that is limited to showing that I initiated the payment and an estimated payment date. I can't get any information as to whether the check was cashed, by whom or into what account. I spent XXXX on the phone with customer service and various departments and in the branch. While the fraud department did tell me that they could see the information as to what acct cashed the check that they could not directly send me that information and sent me to customer service, who told me proof or recipes information was not available. I want to be able to direct my bill recipient to where the check might have been cashed and only Chase knows that information and they won't tell me, despite having taken the money from my account.
Consumer complaint received 2020-10-23
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. (NV)

I receive a copy of my credit report after both my husband and I received a call from a bill collector that we were not affiliated with. Upon further research we both seen that there was a lot of accounts and other personal info on our reports that neither one of us authorized or belong to us. I filed a police report, an identity theft report, and disputed with all three major bureaus. They still have not been removed and its been months.