davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-25
Product: Credit card or prepaid card — Store credit 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 (NJ)

On XX/XX/XXXX I ordered {$900.00} worth of products from Saks Fifth Avenue to be delivered to my home where I have been working for the past year. I have been saving this amount since XX/XX/XXXX so that I could splurge and treat my ravaged complexion [ I am XXXX XXXX XXXX ] to the products I ordered. I received an email from Saks that I would receive delivery of my order on Sunday, XX/XX/XXXX at which time I was working on my laptop at the window that looks down at the street and the entrance to my house. I rent an apartment in a brownstone there are two other apartments in the main part of the building. On XX/XX/XXXX, I believe that I was the only one in the main part of the house. I am not sure whether anyone was home in the garden apartment. I looked out the window every so often to see if the XXXX delivery person was approaching the house no. When I received an email that the package was delivered, I again looked out the window and saw no delivery truck or person. Nobody rang my bell. I ran downstairs and there was no package in sight and in looking up and down the street, no delivery person or truck in sight. I immediately called the customer service line at Saks and spoke to several people about my not having received delivery. I was told that they would investigate the matter and would contact me. 

I subsequently received a letter dated XX/XX/XXXX with the Saks Fifth Avenue logo at the top left-hand side of the page and signed by Capital One Card Services, Customer Service Department stating that they would investigate the matter and let me know the results. 

I then received a letter dated XX/XX/XXXX that had the Saks Fifth Avenue logo on the top right side of the stationery and Capital One printed on the bottom left side of the page. The letter said that they determined that the package had been delivered. They enclosed with their letter the travel history of the package, a notice that no signature was required and that they therefore determined that delivery was made and that I have to pay {$900.00} with nothing to show for it. 

I subsequently called the customer service line again and spoke to a Ms. XXXX who transferred me to a Mr. XXXX who transferred me to a Ms. XXXX who transferred me to a Ms. XXXX. Ms. XXXX said that I would receive a credit and gave me a case number. To date, I have heard nothing further.
Consumer complaint received 2022-04-13
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. (GA)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.
Consumer complaint received 2022-07-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eastern Account Systems of Connecticut, Inc. (VA)

I am billed from collection agency for bill on XX/XX/16 paid by my insurance companies which was primary XXXX paid XXXX, the secondary insurance XXXX would covered XXXX any balances should have been billed to XXXX as a secondary insurance in timely billing cycle. Also medical information was provided to the collection agency I was told XXXX  XXXX why would a collection agency need to know personal information provided to them by the hospital
Consumer complaint received 2022-02-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (IL)

Summary : I was trying to sell a {$500.00} item on XXXX XXXX but was aggressively coaxed into sending total of {$2000.00} to a scammer. Payment was made through XXXX ( Chase Bank ) and I had notified both Chase and local police department about the fraud on the same night ( XXXX ). 

However, Chase representative XXXX XXXX was uncooperative to attempt to resolve the matter, even when I had presented critical clues to potentially solve the case ( perpetrator 's alleged Chase bank information ) and visited in person the next morning after the incident. 

Details : XX/XX/2022 XXXX  XXXX am : I listed a XXXX XXXX guitar for sale on XXXX XXXX for {$500.00}. 
/ XXXX am : Received a XXXX message from XXXX XXXX claiming interest in listed item and proceeded to discuss item condition/logistics. XXXX asked for personal information ( email address, phone number ) which I then provided. 
/ XXXX am : XXXX claimed to have sent the promised amount for transaction via " XXXX. '' I received an email from " XXXX '' which looked auto-generated and official from " XXXX. XXXX / XXXX pm : I sent the item to alleged address of recipient in Louisiana via XXXX, took picture of receipt to send to XXXX. 
/ XXXX pm : " XXXX '' sent me an email claiming that my account has been restricted in reference to account limit. 
/ XXXX pm : XXXX began to claim that there was an issue with my XXXX account due to its non-business nature. XXXX claimed that they will send additional {$500.00} to offset the account restriction on my end. XXXX made me promise that I will return the excess sum of money, which I agreed to. 
/ XXXX pm : I sent {$500.00} to " XXXX '' agent. 
/ XXXX pm : XXXX claimed further issues with their " XXXX '' account, claiming that they made excess payment of {$500.00}. 
/ XXXX pm : I believed XXXX and proceeded to send alleged excess amount of {$500.00} to " XXXX '' agent. 
/ XXXX pm : Received email from " XXXX '' claiming that I need to pay certificate form fee of {$1000.00} which I'd have to pay to release pending credit to my account. Paid out {$1000.00} to resolve restriction. 
/ XXXX pm : Started getting suspicious and asked for proof that XXXX actually sent money via XXXX. Asked for proof but was only given screenshots of payments out to my name. My account was still not credited.
Consumer complaint received 2022-06-09
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: Credit Control, LLC (FL)

I sent an Affidavit of Truth and an Invoice to Credit Control LLC, here is the tracking # XXXX. I also sent an Affidavit and an Invoice to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  They have not paid out the invoices and had the negative items deleted from my credit report. These companies have violated 15 USC 1692. ( C ) ( A ). 15 USC 1692K, 15 USC 1692. ( B ) ( 2 )., 15 USC 1692. ( B ) ( 5 )., 15 USC 1692 ( D ) ( 2 )., 15 USC 1692 G ( A ), 15 USC 1692 ( B ) ( 4 ), 15 USC 1692 C ( 1 ), 15 USC 1692 ( E ) ( 1 ), 15 USC 1692 ( F ) ( 8 ) ( 8 ) 15 USC 1692 ( D ) ( 5 ). Based on these laws I can collect these damgages15 USC 1692K. Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of, any actual damage sustained by such person as a result of such failure : in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}.

Theses companies have reserves multiple invoices under the same tracking numbers.
Consumer complaint received 2022-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on this account because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. These are unquestionably billing concerns, and I demand to see specific bank account documentation showing that I failed to pay and was subsequently labelled past due. Below is a list of the disputed account. 
XXXX XXXX XXXX : {$1500.00}
Consumer complaint received 2022-01-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (DC)

I am in the process of applying for a mortgage and needed an official document saying what my monthly payments would be under an IDR plan because I am currently in school and so payment is showing as {$0.00}. I contacted my loan servicer, FedLoan, on XXXX to ask them how to get this. On XXXX, I submitted a request for IDR through studentloan.gov because I was advised by someone else that this would be sufficient for this process. The automatic email response that I received said Thank you for submitting an Income-Driven Repayment plan request. You may receive additional emails regarding the status of this request. At any time you can view real time status updates, make a payment and more through your online account at MyFedLoan.org/signin. Once your request has been processed, we will send a communication advising of the outcome. I did not provide paystubs or anything to verify my income, and I indicated in the application that my salary had decreased since last year, which means my tax information for last year should not be used. 

I did not check on the status immediately, but the first time that I did it said that they would review my request and I would receive a follow up email by XXXX. An entire month seems like a long time for what should be a very standard request and process for a student loan servicer, but I made sure to do this early to account for delays. The next time I checked the automated system, it said I would receive a response by XXXX. Not ideal, but still reasonable. The next time I checked on XXXX, it said XXXX. 

On XXXX, I submitted another inquiry through the online system saying that I expected a response by the first date I saw, XXXX. On XXXX, I received a response to my original inquiry through the online system a month earlier that said A request has been submitted to have the requested document sent to the email address on file. Please allow 5-10 business days to receive this requested information. We received your request for an XXXXncome-Driven Repayment ( IDR ) plan on XXXX XXXX. Once your request is processed, we will send you a notice with the results. I responded that I have not provided income documentation that would allow them to calculate income based repayments and have not received a response. I have checked the online system each day since, and each day their deadline for responding has been extended by one day. I am unable to get in touch with anyone on the phone because their automated system just tells me I will receive a response by this ever changing deadline. 

I am currently stuck in purgatory because of FedLoans failure to perform a basic service and can not proceed with the mortgage process. I do not even have a reasonable date for when I will be able to because FedLoans deadline keeps changing with every day they fail to respond.
Consumer complaint received 2022-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently checked my credit report and discovered a lot of billing errors. Under U.S. Code 1666 ( b ), the creditor 's failure to properly reflect a statement, the debtor 's payments, or a credit extended to the debtor is a violation. A creditor 's computation error or other accounting error on a statement There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor didn't send me a statement 21 days beforehand. I demand to see specific documentation from the creditor 's bank accounts proving that I failed to pay and was considered past due because these are obviously billing errors. Below are the list of the disputed accounts. 
XXXX XXXX XXXX Balance Owed : {$1900.00} XXXX XXXX XXXX Balance Owed : {$170.00} XXXX XXXX Balance Owed : {$550.00} XXXX XXXX XXXX Balance Owed : {$100.00} XXXX XXXX XXXX Balance Owed : {$19000.00}
Consumer complaint received 2023-07-11
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: DISCOVER BANK (OH)

We opened an account with Discover Bank in XXXX of this year with {$25000.00}. During this time period Discover bank was running a promotion of crediting savings accounts opened with an additional {$200.00} if the balance deposited was {$25000.00} or greater. After initialing opening the account, I didn't see any confirmation of the {$200.00} credit. I contacted customer service who told me a code needed inputted to receive the credit. They assured me that the code had been applied and I should receive the {$200.00} in our account within the next two months. 

Two months later, we still hadn't received any credit. I contacted customer service numerous times and they informed me that no code had been applied. They asked me for the code which I no longer had. I sent them a similar Discover promotion online with a code and they informed me that that code was no longer valid and they would not be able to credit me the {$200.00}. I had told them my previous conversation with customer service at the time of opening the account and if they checked their records they could see that I had been assured all was in order and that I would receive the credit. They did not even respond to this other than to say they were unable to give me the credit. It felt like a bait and switch scam. We have closed this account as we do not want to do business with an unreputable company. 

We are also contacting the Ohio XXXX Attorney General as we feel there may be a class of people that this involves and could also involve criminal activity by the bank. We are seniors and feel we were treated with little regard and taken advantage of. 

Thanks for all you do! 
XXXX and XXXX XXXX
Consumer complaint received 2019-10-28
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

They have called me several times. I spoke to a collector to try to resolve a Capital One secured credit card, a credit card I maybe only charge {$50.00} on and they took my {$300.00} as collateral, charged me a {$49.00} fee to set up and now want to charge me another {$240.00} on top of that. 

The collector at XXXX XXXX was being abusive and putting me down demanding payment. Its hard enough to try to pay things back after losing my job years ago but to have someone raise their voice, put me down, demand payment and threaten me is very demoralizing. Please help and stop these type of organizations from doing this to people. Its wrong. 

I've have massive amounts of calls regarding this debt and have more than paid for it over and over. I just can't handle the calls, threats, and continuing increasing of debt.
Consumer complaint received 2021-03-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (FL)

Have been trying to get a Payoff from XXXX for nearly a month. My parents passed, and we have the property sold, we are now missing the 2nd closing date and the buyer will walk. XXXX has led us along with stacks of paperwork requests which have fulfilled every time yet still refuse to provide a payoff statement. They add more and more reasons for not providing it every time. They have death certificates, payoff requests, copies of final probate court order, you name it yet still now payoff. The title company can't close without and we are being forced into financial hardship when its a simple payoff request and the sale closes. Horrible how that do this to innocent families during our most difficult time.
Consumer complaint received 2019-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (WA)

Experian has a portal to upload proof of documentation for your disputes. The website does not allow you to actually load anything. It freezes, reloads, freezes again, and then says that the website has timed out. I believe that this is done so that low-income people are unable to follow through with legitimate disputes on their credit reports. Sending certified mail for some, is extremely expensive. This is an access to justice AND an ADA complaint.
Consumer complaint received 2021-03-25
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. (DC)

XX/XX/XXXX REFUSES TO INVESTIGATE AND REMOVE XXXX XXXX XXXX AND XXXX XXXX FROM MY CREDIT REPORT. THIS COMPANY IS GIVING CFPB XXXX THAT I AM NOT A REAL PERSON AND REFUSIING TO ACCEPT VALID STATE ID SENT TO THEM VIA THIS COMPLAINT TO PROVE MY IDENTITY TO INVESTIGATE AND REMOVE XXXX AND XXXX. I DO NOT ACCEPT THIS COMPANIES RESPONSE.THEY DID NOT INVESTIGATE XXXX XXXX XXXX XXXX OR XXXX XXXX AT ALL AND DID NOT SEND ME AN UPDATED COPY OF MY CREDIT REPORT. IN ADDITION IM A VICTIM OF FRAUD. THIS COMPANY IS LYING AND NOT PRODUCING DOCUMENTS UNDER FCRA SECTION XXXX WITH MY SIGNATURE TO PROVE ALL THESE FRAUDULANT DEBTS, WHICH THEY ARE NOT VALID. XXXX CAN NOT PROVE THIS DEBT IS VALID AND IS VIOLATING LAWSW BY NOT INVETIGATING MY COMPLAINTS. XXXX XXXX AND XXXX ARE REMOVED FROM MY CREDIT REPORT. THEY ARE NOT VALID OR LEGAL DEBTS -THEY ARE FRAUD AND WILL BE REMOVED FROM MY CREDIT REPORT.I WILL SUE THIS COMPANY-XXXX-I HAVE REPORTED YOU TO THREE STATE ATTORNEY GENERALS FOR FRAUD AND ILLEGAL ACTIVITY, NOT FOLLOWING FCRA. IN ADDITION THIS COMPANY IS REFUSING TO ALLOW ME TO ACCESS MY CREDIT REPORT ON XXXX FOR FREE THROUGH XXXX WHICH IS ILLEGAL. REMOVE THESE ITEMS NOW OR BE SUED FOR MILLIONS OF DOLLARS AND PROSECUTED BY THREE STATE ATTORNEY GENERTALS OFFICES!! 

REMOVE XXXX XXXX XXXX AND XXXX XXXX FROM MY CREDIT REPORTS, OR I WILL KEEP FILING COMPLAINTS AND LAWSUITS UNTIL YOU DO!! THESE ARE FRAUD AND XX/XX/XXXXTRANSUNION AND XX/XX/XXXX DID NOT AND CAN NOT PROVE THIS ARE LEGITIMATE DEBTS. THEY ARE ALL VIOLATING FEDERAL AND STATE LAW AND HEADED TOWARDS MILLION OF DOLLARS IN LAWSUITS BY ME. IVE REPORTED XXXX TO THE DC AND CALIFORNIA ATTORNEY EGNERAL WHERE YOU ARE HEADQUARTERED. THESE COMPANIES HATE OUR NATIONS VETERANS AND WOUNDED WARRIORS AND DISCRIMINATE AGAINST XXXX PEOPLE, XXXX PEOPLE, AND XXXX VETERANS!!! DO NOT SEND THE ATTACHED DOCUMENTS TO XXXX AND XXXX THEY ARE FOR XX/XX/XXXX IN PROVING MY IDENTITY.
Consumer complaint received 2021-04-09
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. (WI)

The account with XXXX account number beginning in # XXXX with a balance of {$8400.00} is currently showing up on my Experian Credit. I have notified both parties XXXX as wells as EXPERIAN and explain to them that i have no association with this account. When i spoke with Experian i was told that the account is connected to a name and address that i have no association with. 

My Correct name and address is listed below. : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX This inaccurate account is hindering me from employment as well as housing so I am requesting that XXXXXXXX XXXX remove this account from my experian credit report being that i have no association with it. I am also requesting that comenity bank send me documentation so that i can forward to my attorney just incase i would have to escalate this serious matter. 

Thanks, XXXX
Consumer complaint received 2022-06-09
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Bread Financial Holdings, Inc. (CA)

I contacted COMINITY CAPITAL BANK in XX/XX/2022 requiring debt validation on an alleged debt & also a cease and desist. COMINTY CAPITAL BANK responded stating the alleged debt was valid and provided no proof. I again requested that COMENITY CAPITAL BANK provide proof of debt validation for the alleged debt to which they refused. COMINITY CAPITAL BANK has continued to send monthly bills requesting payment for the alleged debt in violation of the cease and desist they have on file therefore causing extreme stress in my life because im trying to pay a debt that i do not owe. this stress is trickling down to every part of my life and causing strain on my marriage. COMENITY CAPITAL BANK has been the cause for so much stress in my life and to make matters worse they illegally reported a late payment to the credit reporting agencies & refused to remove it unless i made the minimum payment on this debt that theyve failed to prove to be mine
Consumer complaint received 2022-07-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

my mortgage is with XXXX XXXX XXXX XXXX since XXXX of 2020 I have never heard XXXX XXXX XXXX  ( please see screen shot of my TransUnion credit account attached ) Please delete this false, erroneous & harmful information from my credit profile as soon as possible as this not only incorrect but is also impacting me in a negatively as I can potentially be denied employment and or housing do this affecting and impacting my credit so profoundly. thank you
Consumer complaint received 2021-03-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc. (CA)

Hello Awa collections is trying to collect a debt that is not mine and this is not the first time this happens. 

I called the company and they told me that this is for a auto insurance policy. I don't have a car let alone a driver 's license. I have never engaged in business with this company and I have no knowledge of any insurance nor have I ever had one. 

This is affecting my ability to purchase a home I just recently move to the united states of america from abroad and have no business with insurances or collections.