davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-20
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. (TX)

The following are duplicate/incorrect hard inquiries on my credit report : XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-03-20
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

I contacted this company XXXX XXXX several times in attempt to complain about sales lady I am XXXX and XXXX I believe the lady knew it and took full advantage of me. She opened a credit card with a XXXX limit then said i needed to buy more stuff without having a parent who takes care of me there I was sold into XXXX worth of merchandise including mens XXXX XXXX sunglasses perfume a wallet and gym pants. When i returned to the store to return them after I had took my medicine they would not let me return the items. I am now having and looking into bankruptcy. I was only making XXXX on XXXX XXXX a year and they qualified me for XXXX limit more than I make in a month
Consumer complaint received 2018-03-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (FL)

You closed a complaint and marked it duplicate when it was a new complaint that has not been resolved .I payed {$250.00} to principal in XX/XX/XXXX and {$240.00} additional in principal in XX/XX/XXXX I have called weekly and emailed numerous emails and still have no answers or written documentation as to where my additional money has gone -please help!!!!
Consumer complaint received 2018-03-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (NY)

Chase bank removed my money from my account. They accused me of moving my money from one account to the other, but can't tell me where the money is. It is not in either of my accounts. They continue to give me the " runaround '', switching me from agent to agent. Noone can/will tell me where my money is. I get told different things by different agents, all conflicting with what the last agent said. I just want my money. My children and I are starving! I have not had access to my money in over a week!
Consumer complaint received 2018-03-20
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. (TX)

Tried for 2 days to unfreeze my credit with Experian. Keep getting an error online and will not process request. When I call the XXXX phone number they give for customer service, you can not reach a person. You have to pay them to freeze and unfreeze credit report, which makes it worse, since you get no customer service from them.
Consumer complaint received 2018-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have been trying for months to get this company to remove it's inquire from my credit report. I did not request a credit card from them, they refuse to submit documentation of proof of an application from me, despite numerous letters sent asking for this proof so that it can be review. I have put alerts on my credit reports since the breach. I want proof from this company that an application was submitted to them, if so then I can use it as proof that my information has been compromised.
Consumer complaint received 2018-03-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (MA)

On or about XX/XX/XXXX, I received a business loan from American Express Company. The loan amount was {$15000.00} and the proceeds were transferred to a credit card in my name. Unfortunately I provided an incorrect account as the transfer resulted in a large overpayment/credit balance. 

This then triggered a return of the funds or a partial return as some of the funds were in fact used to pay off the balance that did exist on the receiving credit card account. This electronic transfer of funds back to the Payer - American Express was executed on at about XX/XX/XXXX. While American Express has confirmed receipt of the monies on or about XX/XX/XXXX, they still have not applied the monies to my " outstanding balance ''. They have contacted me on at least two occasions to apologize and reassure me that they are trying to track down the returned funds. To date this has not happened and I remain with an outstanding loan balance which is inaccurate, an inability to request a new loan and a credit score that is adversely impacted by this AND I am unable to use the funds that were originally requested, approved and issued. 

Please help!!!
Consumer complaint received 2018-03-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (TX)

I have a mortgage loan that is serviced by XXXX XXXX XXXX. XX/XX/XXXX, I contacted XXXX to inform them that I was switching home insurance carrier and that I would be paying the annual premium of XXXX. I requested a new escrow analysis to determine my new payment amount. In addition, I send them a check for {$1900.00} to reimburse them back for the payment that was made to the previous XXXX carrier. As of today, I have not received a copy of the new analysis or what my new payment would be. I contacted XXXX again on XX/XX/XXXX. I spoke the CS manager and she manually calculated the new payment to be XXXX, however I informed her that the online statement was XXXX. I requested XXXX   reimburse me back the XXXX which was authorized and I would receive the funds in 5 business days. I have grown frustrated with the XXXX due them not being transparent about what my new payment will and the more importantly, the fact that they are still taking including the XXXX in the total monthly payment, even though I paid the full annual premium. The told me that if I pay the premium amount, a new escrow analysis would be conducted and my monthly payment would be reduced and not include XXXX. I felt like they have misinformed me and haven't not very helpful or transparent in addressing my concerns.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CO)

The alleged creditor XXXX XXXX XXXX XXXX is in violation of my federally protected rights. 

XXXX XXXX XXXX XXXX and its agents have been garnishing my wages and have not updated the balance thereby negatively affecting my credit score and causing me direct financial and mental issues. 
For example, the aforementioned company is reporting I have a balance of over {$5000.00} as can be seen in the photo from Experian Ive included in this complaint. 

XXXX XXXX XXXX XXXX has garnished my wages as such : AMOUNT-DATE XXXX XXXX XXXX XXXX XXXX XXXX XXXX As is plainly evident, XXXX XXXX XXXX XXXXXXXX, has had many opportunities to update my balance and they have not XXXX It was done purposely and willfully to harm my ability to obtain credit. 

According to : 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( a ) In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; Therefore, I am seeking monetary relief in damages for each individual instance of negligence equaling the amount of {$7000.00}. 
In addition, XXXX XXXX XXXX XXXX, should cease and desist from reporting anything on my credit as they are not following the statues regarding credit reporting in the FCRA.
Consumer complaint received 2024-09-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

This is a continuation of my previous [ first ] complaint against Capital One Bank [ case # XXXX dated XX/XX/XXXX. Capital Ones [ CO ] response dated XX/XX/XXXX said nothing at all, and therefore was totally unresponsive to the new issue raised in my complaint. Capital One simply responded that it had previously advised [ me ]... that XXXX XXXX communicated... that there were no funds available to return. That is true. However, CO completely ignored the substance of my allegations against Capital One itself, which are summarized below : The facts are clear that on Saturday, XX/XX/XXXX I contacted Capital Ones Customer Support office by telephone, and I told a representative to advise that I suspected fraud in connection with my authorization the previous day XXXX XXXX to wire {$24000.00} to an account at XXXX XXXX. The representative told me that You need to call back on the next business day [ that is, Monday, XXXX days later ] because there is no one at Capital One on a Saturday who can take action with regard to a wire transfer. 

On Monday, XXXX XXXX at approximately XXXX a.m. XXXX I again telephoned Capital One and reported the fraud to someone at their Account XXXX dept. Apparently action was taken and I was later advised that COs fraud recall request [ also referred to as a Hold Request or LOI ] was sent to XXXX XXXX at XXXX XXXX XXXX XXXX on that same day. 

Other evidence shows that on XX/XX/XXXX the fraudsters XXXX XXXX account received a wire of {$47000.00} from XXXX Bank [ from Victim # XXXX ] and also my wire of {$24000.00} from Capital One ; and that XXXX Bank [ on behalf of Victim # XXXX ] also sent a wire recall request to XXXX XXXX on XXXX XXXX. On XXXX XXXX XXXX closed the fraudsters account, and returned the full amount of that {$47000.00} wire to XXXX ; and XXXX returned nothing to CO in connection with my wire, because no funds remained in the [ fraudsters ] account. 

It seems clear that if Capital One had taken action immediately on XXXX XXXX when I first contacted it to report the fraud, and had sent its Hold Request to Wells on that day, there would have been a very different outcome : COs return request [ LOI ] for my wired funds would have been received substantially before a similar request was received from XXXX on XX/XX/XXXX. Then pursuant to WFs so-called first- come, first-served procedure, there clearly would have been sufficient funds in its customers account for XXXX to return the full amount of {$24000.00} to Capital One for my benefit. 

Capital One did not in any way address or explain or justify its actions summarized above. Therefore Capital One completely failed to respond to my complaint in a responsible manner, and it must now be held accountable.
Consumer complaint received 2024-09-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NY)

I was looking to purchase concert tickets and was provided with an email address to send money via PayPal. Originally, I thought I provided PayPal with the wrong email address but it was correct. 

On XX/XX/XXXX I sent {$350.00} to XXXX XXXX at XXXX via PayPal. The XXXX ID is XXXX. The tickets should have appeared in my XXXX account within XXXX hours. When they did not show, I contacted XXXX XXXX and I was immediately blocked. I then contacted PayPal on XX/XX/XXXX via their dispute center ( Case ID : XXXX ). I informed them that the site indicated the following " The recipient has not yet received the money. Your recipient should have the money by XX/XX/XXXX. '' Therefore I told them, I need to cancel this before XX/XX/XXXX as it was only XX/XX/XXXX and I was not given any option to cancel myself. They did not do this. I gave them further information on other dates. On XX/XX/XXXX they said " This case was closed in the seller 's favor. '' I was not given any option to dispute their decision even though they tell you on their site that you can. I notified my bank on XX/XX/XXXX to not allow any payments to go through to PayPal. I will attach all the documentation I have with PayPal. 

My account did not allow the payment to go through on XX/XX/XXXX and now PayPal says I owe them {$350.00}. {$350.00} plus {$4.00} for PayPal 's fee. They then had a collection agency call me to which I explained all of the above. They have not called back but I do not want this to effect my excellent credit rating. 

It appears PayPal has a lot of unsavory practices, even on your site. I hope that you can help me.
Consumer complaint received 2024-09-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (CT)

after financial trouble I settled for an amount on my chase credit card -- the final payment they claimed was returned on XXXX. On XXXX I called in and gave authorization to make the payment and was told they don't process same day payments. After some back and forth on a recorded line I authorized a payment for the XXXX since they couldn't process the XXXX. I asked would they be taking the funds out right away or would it take days to process. I was told it would be taken out right away but the payment doesn't show processed on their end when i am almost positive the payment showed pending in my checking account also from chase bank. I called to ask about the payment and why it would not show processed and got a rude impatient woman who just wanted to schedule another payment -- I asked why the XXXX  XXXX was and she claimed which is a lie that she has no notes or info from the call or the payment.
Consumer complaint received 2024-09-23
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: TomoCredit Inc. (OR)

This company is a XXXX  credit card company therefore you pay upfront and then spend the money after you pay. Ive asked to be refunded the money I have remaining and close my account. Ive been able unable to reach anyone over the phone or by email. Ive asked for a replacement card which Ive been unable to receive. Its been over a year. Ive contacted the XXXX XXXX XXXX  as well. You can not get a person on the phone. This company is impossible to work with. They owe me {$230.00} and I have no way of getting in contact with them or getting replacement card. I want my refund and I want my account closed.
Consumer complaint received 2024-09-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (FL)

This complaint is against PayPal and what happened is as follows : on XX/XX/XXXX. while checking my PayPal account I discovered some unusual transactions that PayPal performed but I had not authorized. On these dates XX/XX/XXXX and XXXX a total of XXXX transactions were performed for the amount of {$20.00} each. These funds were used to buy XXXX. This same matter happened again in XXXX on the XXXX of the month for the same amount. I have contacted PayPal on both occasions explaining to them that I did not authorize these XXXX transactions and I requested a refund of the monies taken from my PayPal account. PayPal responded by saying that these transactions were done using my bank debit card ending with these last XXXX numbers XXXX. This debit card is from XXXX XXXX and had been closed earlier. PayPal claims that since a bank debit card was used I have to contact my bank to get a refund. I told PayPal that the XXXX XXXX account had been closed and my funds were not being held by the bank. PayPal was holding my funds and PayPal performed an unauthorized transaction by releasing my funds to an unauthorized transaction. PayPal refuses to refund my money. The amount totals {$120.00}. PayPal did refund XXXX which was the fees paid in XXXX and that's all they have refunded to me. I have been in contact with them several times about this matter. This matter is not the first time that PayPal has refused the respond to an unauthorize transaction.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Cascade CISS Holdings, LLC (TX)

I WAS A VICTIM OF IDENTITY THEFT AND THESE LISTED BELOW ARE FRUADULENT UNAUTHORIZED AND UNRECOGNIZED INQUIRIES ON MY CREDIT REPORT. I WOULD LIKE THEM REMOVED IMMEDIATELY. LISTED AS FOLLOW ( S ) 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 2024-09-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I have a credit card with Huntington Bank. On XX/XX/XXXX the online banking portal showed a payment due of XXXX for XXXX. I paid the payment. It posted to the account on XX/XX/XXXX and debited my bank account XX/XX/XXXX. A few weeks later I received a notice saying I didn't pay my bill. I have spoken with approximately XXXX different representatives all who have provided me with different answers. XXXX said mistake disregard letter, XXXX said oh it was a glitch, XXXX told me I need to make a payment once every XXXX  days or it won't credit properly. XXXX told me they would submit a research request. The last contact I spoke with a supervisor who informed me there were no record of previous calls and that she would submit a request to the underwriting to have the payment credited for XXXX. I spoke to her On XXXX XXXXXX/XX/XXXX to which she assured me she would follow up with me on XXXX It is now XX/XX/XXXX and no response. I contacted again and was told no one could help me and that the XXXX would reach out to me. XXXX credited the payment to a previous billing cycle even though online showed a new billing cycle and payment and is now showing my bill as late. I'm being penalized for making my payments too early. I need assistance with having my XXXX payment credited for XXXX as it should be.
Consumer complaint received 2018-03-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/XXXX, my wife and I rented a car with XXXX/XXXX  at XXXX. XXXX XXXX in XXXX XXXX. It was for 9 days. After nine days, on XX/XX/XXXX, we returned the car and flew to XXXX. When we returned the car, we filled out a complaint form with regard to an item we rented with the car ( a wireless modem ) and handed in our paperwork and were told a revised final receipt would be sent to us by email ( it wasn't ). 
When we got our credit card bill ( Bank of America ), we saw we were charged for 12 days instead of 9.  We contacted XXXX/XXXX  to get the invoice, and disputed the charge with Bank of America ; included with that dispute were copies of airline tickets showing we were flying on XX/XX/XXXX ). Bank of America will not take our side in the dispute since we had no final receipt saying when we turned in the car ( and now say we are " timed out '' for disputing further ). We continue trying to get XXXX/XXXX to respond to our dispute. 

XXXX/XXXX supplied Bank of America ( and I ) a revised reciept showing the rental for 12 days. This was never authorized and is what I dispute.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I have automatic payments to my Bank of America credit card. The amount of payment ( {$75.00} ) more than covered the minimum. When I changed the monthly payment to {$270.00} it did not change. The new minimum amount increased but the {$75.00} was still being debited. This caused a 30 day late because it didn't cover the entire amount, I was told by a customer service agent that this change could take up to 60 days to go into effect. I did not know this. 

I have been refunded the late charges but told the agent that my concern was not the late fees but the serious ding to my credit report. They told me that it was nothing they would do. 

Bank of America has refused to change the 30 day late. I do consider that this is a lack of good faith to a customer that has an excellent payment record. I did not know that it would take 60 days to change my payment amount, which is unbelievable. 

This issue has caused me extreme stress. My credit score went from XXXX to XXXX. I am asking Bank of America to remove the 30 day late and restore my credit line. 

My case # XXXX. I response was that there was not an error on their part so they were not removing. The error was me not knowing it take 60 days to change a payment amount.
Consumer complaint received 2016-12-07
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (TX)

I submitted a form requesting from all XXXX major credit bureaus a copy of my free annual credit report. I received a response from Experian telling me that I have already received my free annual credit report. They are trying to count a free credit report as one in which you are decline for credit and request it as the annual free credit report.
Consumer complaint received 2018-03-20
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Bronstein & Weiss Arbitration (MD)

This was not a loan I took out but someone did in my name. I paid it off b/c I was being threatened with lawsuits and arrest. They knew too much information and I work in a position where I couldn't have someone just show up - so decided it was best to pay it off and then figure it out from there. 
I am still getting calls from this number XXXX, from a XXXX XXXX, saying they will be at my place of residence or work tomorrow, XX/XX/18 between the hours of 2-4 and if I can't be found would look for my ford focus. They are claiming to be from XXXX XXXX County Courts and it's part of state statue. I called over to the XXXX XXXX County PD and XXXX XXXX County court and no one with that name works there.