davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO. (NJ)

I have been a customer of JPMorgan for over 15 years as I have leased or bought vehicles thru this company. This was not my choice but what was offered by dealer at the time. The vehicle was returned on time and in great condition. The gentleman from the dealer picked the vehicle up at my work and drove over an hour and a half to the dealership. Next thing I know months later, Im starting to get phone calls that my lease is overdue. I had no idea why they were sending me this. I called many times and requested proof, a bill something to reference this {$350.00} charge. My credit score decreased severely because of this situation and I still had no bill or no idea what they were referring to. Finally, in XXXX, I received a picture of a tire with what looks to be a XXXX in it. I have no idea where when how the XXXX couldve got in there and theyre trying to pin it on me and ruin my credit, a good 15 year long customer they continue to harass my office my cell phone various times a day and night for {$350.00}. There is absolutely no way to know where the XXXX came from and when and theyre trying to pin it on me. The way JP Morgan and their employees harassed me is unacceptable. There is no proof this happened in my ownership.
Consumer complaint received 2016-09-12
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

We have XXXX Capital One Credit cards. On the same day I made XXXX large payments approx XXXX XXXX dollars total. 
XXXX released the funds but Capital One has locked both cards for one week. I paid XXXX card off in full and I feel like I am being punished for doing so. Now we have no money for this entire week and they refuse to work with us. 
My bank assures me the money was released and the items were paid. 
The worker at Capital One was XXXX XXXX He claimed he was the manager of finance and there was no one above his head to speak to, there was no complaint form nothing that I could do until Friday one week after I paid.
Consumer complaint received 2024-10-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Earnest Inc. (KS)

The student loan servicer, Navient incorrectly reported a missed payment on my credit report when I actually paid. They have placed my account on forbearance without notice and I am still accruing interest. They have been inaccurately reporting my account and I have been paying and I owe more than I initially borrowed. I took my bank information off my account on there website and they have gone into my bank account and taken money out without consent. I have called them for this several times I was steered into forbearance instead of an income-driven repayment plan, some payments have been misallocated. I received no notice that my account was put into forbearance.
Consumer complaint received 2023-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (TN)

I along with our attorney have tried to resolve a matter on ur credit report. We have sent letters to Macy 's & Citi Bank and keep getting the run around for a balance that's reported as a charge off for {$1400.00}. Every time we call each department transfers to someone working in another country and you can not get any information. The last letter we received from Macy 's stated they can not discuss this matter. We have also received a letter stating they are not collecting on the said amount. They said this account is past the statute of limitations. Of this debt is reporting why can we not get something official and they fully remove this account? We haven't been able to make any progress or get any accountability which isn't fair to continually be able to report something on our credit that we can not get a legal response to our attorney from them.
Consumer complaint received 2016-02-17
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NY)

On XXXX XXXX, 2016, I initiated a " Send Money '' payment for {$770.00} from my checking account with USAA. The transfer vehicle for this payment was XXXX. The {$770.00} was debited from my account on XXXX XXXX, 2016, but never entered the XXXX system, and was not received by the recipient. Since then, I have contacted USAA multiple times to resolve this issue, and have been met with a refusal to provide any restitution. Additionally, USAA has continually referred me to XXXX to rectify this issue. USAA supplied me with a XXXX transaction ID with which to locate this payment. XXXX has no record of this transaction ID, and has no record of any transactions from my account for that amount using my checking account information. On XXXX XXXX, 2016, I spoke with a member of USAA 's Executive Resolution Team named XXXX, who, after talking directly with XXXX, informed me that USAA would be crediting my account for the entire {$770.00} within XXXX business days. After 8 business days, my account has not been credited. I spoke at length again with XXXX members of USAA 's Executive Resolution Team ( XXXX and XXXX ) on XXXX XXXX, 2016 to try to ascertain the whereabouts of my credit. These individuals informed me that USAA would not be crediting my account ( as previously promised ) and that I would have to take up the issue with XXXX. Although I informed USAA representatives repeatedly that since the transaction does not exist with XXXX there is nothing XXXX can do, they refused to offer me any restitution.
Consumer complaint received 2016-03-02
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital one 360 shut down my savings account and credit card accounts without giving me a reason. I had alot of points on my credit card that I had not used, they even ran my credit which now shows on my credit report. They are not giving me a reason as to why they have closed all my accounts
Consumer complaint received 2024-10-07
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: XOOM CORPORATION ()

I am writing to formally lodge a complaint against Xoom regarding an unresolved transaction I initiated on XX/XX/XXXX. 

I made a payment with my card for a transaction ( ID : XXXX ) that has yet to be received by the recipient. Since the transaction date, I have not received any confirmation of the payments status, nor has Xoom refunded the amount. I have repeatedly reached out to their customer support, and the responses I receive are consistently vague and unhelpful. 

In one of their recent communications, Xoom stated that they are experiencing delays and that it may take an additional 23 business days for the transaction to be processed. However, this has not been the case, and they continue to extend the timeframe without any clear resolution. 

I also discovered numerous complaints on their social media platforms, indicating that I am not alone in facing such issues. Many customers report similar experiences of being left stranded without their funds and without proper support from Xoom. 

I kindly request your assistance in resolving this matter. I believe that customers should not be left in the dark regarding their financial transactions and deserve timely updates and resolutions. 

Thank you for your attention to this matter. I look forward to your prompt response.
Consumer complaint received 2024-10-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: BlockFi Inc (CA)

Block and XXXX XXXX XXXX XXXX, have engaged in pretexting, negligent and false misrepresentation under false pretenses. On XX/XX/year>, at XXXX, I received a text message from CXXXX XXXX XXXXhat someone sent me {$50.00}, that further action was required to accept this cash and that I should click on XXXX XXXX XXXX XXXX XXXX XXXX 

After clicking the link I could not access the cash. I immediately called XXXX XXXX XXXXXXXX, who told me to access the cash, I had to submit to facial recognition and scan a copy of my driver 's license to verify my identity, then the cash would be released ( when XXXX XXXX knew in advance the funds were not in that XXXX XXXX Account ). After submitting to XXXX XXXX CSR intrusion/pretexting under false terms to steal my personal governmental information with intent to sell or use for its illegal purposes, XXXX XXXX  CSR notified me that the {$50.00} was not under that XXXX XXXX Account. I asked the CSR to speak to XXXX XXXX 's supervisor because I had been hoodwinked. The XXXX XXXX Supervisor I spoke to tried forcing me to undergo the same process of pretexting ( securing personal info. under false pretenses ). 
XXXX XXXX has my personal facial biometrics and driver 's license in their possession, and after several urgent pleas in writing ( verified by XXXX  ), XXXX XXXX refuses to discard my personal biometric and driver 's license and to send me an email verifying the same. XXXX XXXX coerced me to close my account before they would delete all my personal information from their files/system/database. After I submitted to XXXX XXXX 's request, they reneged on their word under false pretense, misrepresentation and guidelines to delete ALL my personal /biometric information from their files/system/database. I have copies of the transactions between XXXX XXXX and myself.
Consumer complaint received 2016-05-02
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NV)

I contacted XXXX a few months ago regarding a XXXX XXXX XXXX card that was opened by my ex-husband using my information. The account was opened while he was XXXX and I was XXXX. XXXX closed the account since it was opened without my authorization. XXXX noted that I had not activated a single card for this account and I was not aware of this account since I had never received a card in the mail. My ex-husband had access to my personal information from previous income tax returns that were filed. I did not authorize my information to be used for this account in writing, online, or over the phone. I have submitted a notarized identity theft affidavit to XXXX and all XXXX credit bureaus, but have not received any resolution nor has my name/information been removed from this account.
Consumer complaint received 2023-01-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A. (MD)

Transactions totaling {$2100.00} from my checking account from XX/XX/2022 thru XX/XX/2022 from a dispute for a fraudulent transaction from a company caught in a scam. 

Services were purchased that were NEVER received. The bank, instead of correcting the issue and crediting the funds back to my account, are aiding in the scam and approving of the fraudulent activity for which their customers fall victim due to NO FAULT of their own. 

If banks are not for the customers, it's clear to see that PNC doesn't really care about their customers financial safety and correcting situations when THEY are wrong. 

If this were a purchase on XXXX or from XXXX XXXX for an actual product that needed to be assembled ( with both companies partnering with individual contractors to assist their customers with assembling the product ), and the product was delivered with the contractors never showing up to assemble the product, the funds would have been refunded. XXXX or XXXX XXXX receive their payment for the product, and the contractor is also paid to schedule and come out to assemble the product.

However, if the contractor does not show up and provide the services paid for, the funds should be refunded/the transaction reversed because no services were received after being paid for. Of course the transaction was authorized because the customer was paying for a service that was to be rendered ( which it never was ).

In a day and age of social media ruining companies profiles and customer retention ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), one viral video could become a marketing and PR departments nightmare, especially when several customers have experienced the same issue and have the receipts, emails, and recorded phone conversations on how their trusted bank aids in supporting the companies that scam their customers over their customers hard earned funds on transactions they have the authority to reverse ( as I've had credits back to my account on a couple occasions when a service WAS NOT received and the bank REVERSED the transaction WITH NO PROBLEM ). 

Services paid for that are not received automatically void out a transaction as being approved/authorized and the funds are to be refunded back to the customer ( regardless if the transaction is a credit card payment OR a debit card/checking account transaction ).
Consumer complaint received 2023-01-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Palm Beach Credit Adjustors, Inc (FL)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, and abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2017-01-02
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL (FL)

My credit report shows a new Sync/Care Credit account, which I did not open. I have tried to contact the phone number listed for Synchrony Bank six times. They are typically only open to receive new applications. They have transferred me to their fraud department three times. Twice I was disconnected. Today, I spoke to a representative for over 10 minutes. He then proceeded to tell me he could not find an account for me with JC Penney. I explained, for the third time during our conversation, that I was calling about a Care Credit account with Synchrony Bank. He said he would have to transfer me, and then disconnected me. 
I will be attempting to file a police report today, which I know wo n't be easy. I have setup a credit monitoring service, which is unfair that I have to pay for, to prevent crime being perpetrated against me.
Consumer complaint received 2023-01-19
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. (CA)

I reviewed my Consumer Reports and noticed that I had late payments on some accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : XXXX OF XXXX XXXX .... Balance : {$3700.00} XXXX XXXX XXXX XXXX .... Balance : {$6900.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-01-19
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2015-04-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (CA)

I was a customer of XXXX and I think I was a victim of XXXX cramming charges. It was verified and validated through their website. This account is currently with Midland Credit and I believe the debt is inaccurate due to cramming charges.
Consumer complaint received 2023-01-19
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)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX .... Balance : {$2400.00} XXXXXXXX XXXX XXXXXXXX XXXX .... Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXX .... Balance XXXX {$510.00} XXXX XXXX XXXX XXXX XXXX .... Balance XXXX {$570.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of request XXXX XXXX XXXX XXXXXXXX Date of request XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2400.00} XXXXXXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXX XXXXXXXX Balance : {$510.00} XXXXXXXX XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX XXXX ( Original Creditor Name XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$100.00} XXXX XXXX XXXX ( Original Creditor Name XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$520.00} XXXX XXXX XXXX XXXX Original Creditor Name XXXXXXXX XXXX XXXX XXXX ) # # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$150.00} XXXX XXXX XXXX ( Original Creditor Name XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$190.00} XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance {$2400.00} XXXX XXXX XXXX Balance {$1200.00} XXXX XXXX XXXX Balance {$570.00} XXXX XXXX XXXX Balance {$510.00} XXXX ( Original creditor XXXX XXXX XXXX XXXX ) XXXX Balance {$98.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2015-06-13
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

For the past XXXX months, XXXX, XXXX and XXXX of XX/XX/XXXX bank of america 's fraud department has continuously flagged my account and prevented me from making purchases at any automated fuel pumps. On each occasion I 've had to call and verify that I am in fact the person making the transaction. I 've also called to have my account unrestricted but, the problem still was not resolved. After speaking with a supervisor on my XXXX consecutive call I was told that it was because they had a wrong address in the system. However the problem still persist today. I 've had this account since XX/XX/XXXX and have been a loyal customer for years I find it extremely disappointing not to mention concerning that I can not count on my financial institution.
Consumer complaint received 2016-03-06
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Commonwealth Financial Systems, Inc. (GA)

Company did not give me the opportunity to dispute the debt they hold in my name. They placed the debt on my credit report 14 days after I received thier letter. I wrote them and told them I will be dealing only with the original creditor and that they need not contact me anymore unless they are taking legal action. I sent the letter certified and will provide the information if needed. I also said I dispute the amount and that was why I will only deal with the original creditor, which is my right, by law as I do not have a contract with Northeast, I also do not have one with the original creditor.
Consumer complaint received 2024-10-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Hillcrest Davidson & Associates (TX)

I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2017-01-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (CA)

I refinanced my home mortgage last year ( XXXX ). As part of the process, I was told that flood insurance is now required to be collected by the mortgage company in an escrow account. Previously, I had a flood insurance policy and paid for it yearly. The flood policy never lapsed, since I purchased my home in XXXX, but due to this new requirement, I am paying nearly 25 % more to the escrow account for the same flood policy. In addition, I received a letter yesterday stating that they are collecting for my homeowners insurance, and I have a past due amount of {$600.00} owed to the escrow account. I pay my own homeowners insurance, and again, this has never lapsed since I purchased the home. I have not authorized them to pay my insurance, and I do not want them to, because it will likely end up costing me more as with the flood insurance. This is also the second time my mortgage company has attempted to collect money for my homeowners insurance. 
Is there a way to put my flood insurance back in my control? Also, can you please look into why this company continues to attempt to collect money they are not entitled to? This appears to be fraud.