davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-09-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (TX)

An account was opened in my name without my knowledge or consent by persons unknown. I disputed the debt as fraudulent and no action was taken by collections company. I then requested the original contract with the original debtor, payment histories, documentation of balance owed, and the account number. I have received nothing from the debt collection company, not even a letter stating that my debt had been sold to them. I have received numerous phone calls from them, and requested this information be sent to my address and have received nothing. I have sent the request by mail and have received nothing. I have no documentation to provide as I did not create this account.
Consumer complaint received 2024-09-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

On XX/XX/year> I made a XXXX time principal only payment of {$9000.00} to my Capitol One Auto Loan. For some un know reason to me my payment was broken down into two seperate payments of approximately {$8500.00} and {$500.00}. The {$500.00} dollar payment had around {$60.00} of interest applied towards the payment. 

On XX/XX/XXXX or XXXX when I noticed this discrepancy I called Capitol One to get the the bottom of the issue. I was briefly given the run around and told a whole host of issues. None of which made any sense. Eventually I was told they would correct the issue. 

A week or so later I noticed that credit adjustments had been made towards my account. But the principal balance remained the same. So I had to call again. And I was told that by Capitol One that the credit had been applied towards the interest on my loan. I argued that it needs to be applied towards my principal balance. The call was ended and within a few days on XX/XX/XXXX an {$80.00} credit was applied towards principal balance. 

XX/XX/year>. My monthly reoccurring payment of {$370.00} was posted. Then on XX/XX/year>. XXXX total transactions were made to my account by the Capitol One Team reversing and reapplying the {$80.00} credit and my last payment. As well as reapplying them. Which is concerning to me very much. 

Which all brings us to the actual reason for my complaint. 

On XX/XX/year>. I made a one time principal only payment of {$2000.00}. Which, again, was subsequently broken down into two seperate payments of approximately {$1500.00} and {$500.00}. Of which roughly {$16.00} of interest was paid from the {$500.00} dollar payment. 

It is clear to me that Capitol One Auto loans are fraudulently applying extra principal only payments in order to generate more interest throughout the duration of the loan. They have done it to me twice now in a few months and my fear is that this is happening to countless others unbeknownst to them.
Consumer complaint received 2024-09-14
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (VA)

Got an alert from Truist Bank indicating that {$2400.00} was being transferred from my savings account through XXXX. I immediately responded and told them it was not me. They indicated it was still in pending and would be reversed and I would get my money back. That did not happen. Have reported to FBI, local policy and done everything told to do including having to close all checking, savings and debit cards and get automated deductions to new accounts that had to be opened and talked to fraud department several times. They are trying to say I initiated the wire. I did not and do not use XXXX and actually asked several times for it to be removed from my account and they will not do that either. I have sent letters to legal departments of Truist and getting ready to send letters to Board of Directors but, of course, no response from any of the legal departments. I feel like they are calling me a liar and will not do their part and refund my money. There was an email address shown on the XXXX  transfer with my husband 's name. He does not do XXXX or any of the banking except use his debit card at ATM. They will not investigate where the money went or the email address given. It has nothing to do with us. I reported this was not me immediately.
Consumer complaint received 2024-09-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SN SERVICING CORPORATION (MI)

I am behind about XXXX months of my mortgage. I was repaying it back as much as I could possibly can each month. XXXX month SNSC decided that that wasn't good enough ( even though I have been paying my mortgage amount plus some extra each month to make up for it ). They gave me XXXX months to pay {$200.00} extra on top of my mortgage then we could reevaluate. Now with all the late fees they have been adding on, we are at about XXXX months behind, even with my extra payments. I brought them a resonable payment plan that had that past due paid in XXXX months and they keep rejecting me. Telling me that's not enough. I understand they want the full amount but I can't give what I don't have. I literally am trying to repay them as quick as possible but they are not even attempting to work with me. They locked me out of my online account so I can't even pay anything.
Consumer complaint received 2024-09-14
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

In the month of XX/XX/XXXX I opened a 0 % credit card with Bank of America. All went exceptionally well leading up to XX/XX/XXXX when the bank closed my account based upon errors on their end, my end and XXXXXXXX XXXX who is my personal banking company. My balance on the card was about {$2800.00} out of an available balance of {$6700.00} shortly before the time it was closed. This was nothing out of the ordinary being that I have spent upwards of {$34000.00} on that card since opening it and have paid it all back and payments being early at that. Here is the bulk of what happened. I went to make a payment on my phone which was my statement balance of {$710.00}. I proceeded to make the payment and did not receive any confirmation. In fear of it not going through, I made it a second time in which I then received confirmation. I come to find out the next day that both payments went through. I was not prepared to make a {$1400.00} payment so I contacted my bank to see if they could reverse one of the payments so they receive {$710.00}. That did not happen as planned. XXXX refunded them both payments and now BOA was saying I did not make a payment and my payment was overdue. In a hurry I made a minimum payment on my app, and shortly after called the bank to tell them it was an error reversing both payments and Id like to make the {$710.00} payment I originally had planned for. The customer service agent gladly did that and prorated the second charge since I already paid {$92.00} to make them both total {$710.00}. At this point I am assuming all is well. I go to use the card and it doesnt work. I contact customer service and they basically say there is nothing they can do about it. I think find an email the next day saying we closed your account which in the terms of the next agent describes as a business decision. What kind of business cancels a loyal client that has never missed a payment?
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRUIST FINANCIAL CORPORATION (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last XXXX XXXX XXXX Truist Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear Truist, I am writing to dispute inaccurate information on my credit report as provided by your agency. According to the Fair Credit Reporting Act ( FCRA ), Section 611, I am entitled to dispute any information on my credit report that I believe is incorrect or incomplete. 

The item I am disputing is as follows : - **Account Name/Number** : [ XXXX XXXX ] - **Creditor** : [ XXXX ] - **Type of Discrepancy** : Late Payment Reported for [ XX/XX/XXXX ] I have reviewed my records and have confirmed that the reported late payment on this account is incorrect. As per the FCRA, all data furnishers are required to provide accurate information to credit reporting agencies. This includes ensuring that all reported late payments are correct and verifiable. I request that you investigate this matter and correct the information on my credit report as soon as possible. 

Under the FCRA, you are required to investigate my dispute and provide a response within 30 days of receiving this letter. Please conduct a thorough investigation and delete or correct the inaccurate information on my credit report. Additionally, I request that you send me a confirmation once the correction has been made. 

Please find my personal information below for reference : - **Full Name** : XXXX XXXX - XXXX of XXXX : XX/XX/XXXX - **Social Security Number** : XXXX - **Address** : XXXXXXXX XXXX XXXX Thank you for your prompt attention to this matter. If you need any additional information, please do not hesitate to contact me. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NY)

I got the arbitrary charge {$1200.00} on my Chase account from XXXX  on XX/XX/year>. Chase temporarily refunded the amount when I disputed on XX/XX/year>. But the refund credit got reversed because XXXX  rebutted the claim saying that they already issued back my credit on XX/XX/year>. XXXX  confirms that they had already sent the credit to the original payment on XX/XX/year> ( Written proof with the case # available XXXX  Case # : XXXX ) But a month had gone, still theres no refund. XXXX XXXX, the assistant VP/the private client banker of Chase located XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX  ID : XXXX ) says they can not give me the credit that XXXXXXXX XXXX allegedly refunded me , but she said shed report it to the escalation department.
Consumer complaint received 2024-09-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

We XXXX XXXX XXXX and XXXX XXXX XXXX both account holders are requesting documents from USAA Federal Savings Bank of their investigation of the the disputed ( see attached ) and fraudulent ATM/Debit Card charges/transactions on our checking account. 

As per the letter received USAA offered to provide us the documents and they are not complying with providing the documents or a resolution to our dispute. 

On the investigation they conducted they claim the they relied on to make us responsible for unauthorized charges on our checking account and after several attempts they are not providing the documents that we have right to receive. 

Claim # XXXX Claim date XX/XX/year> Claim # XXXX Claim date XX/XX/year> We have contacted the USAA Bank Federal Savings Bank requestiedUSAA to reopen the dispute because we are alledging that we did not made the unauthorized charges.
Consumer complaint received 2018-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Thinking to close this account because I want to pay off the balance which is about {$100.00} but the company is holding back some of the charges making me have to pay in small amounts instead of the entire balance. There was a recent lump charge of {$100.00} made but the charge is showing up partial so I can't pay the whole lump off in one payment. I looked for info on their site on how to close account and it said : Sign in to your account, select More Account Services and follow the directions under Close Account. 

But there us NO 'More Account Services ' link in my account. There is NO email option in my account to contact them that way either. I keep getting error messages when trying to submit feedback to their help page. I am busy and don't have time to wait on the phone to close this account when I'm ready. I need an online or email option.
Consumer complaint received 2018-10-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Brock & Scott, PLLC (GA)

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, Ga XXXX To Whom It May Concern : I am writing for help about a credit debt that Bock & Scott had  sheriff delivered to me around 2010. I have went on their website saw where it said I owe {$12000.00}. I have contract them via telephone and mail ; asking about this matter but no response. I would like to know how they come up with this dollar amount with the list of the breakdown. Also I need a something showing me with my name of the account number that you have listed on the letter that I received. 

Thank you. 

XXXX XXXX
Consumer complaint received 2024-09-18
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Chime Financial Inc (VA)

On XX/XX/year> at XXXX pm, I, XXXX XXXX XXXX XXXX, attempted to withdraw {$220.00} from the atm owned by XXXX Bank, using my credit account through Chime. I inserted my card and entered my pin number, the machine made a cycling through sound, but I did not receive the {$220.00}. Instead it printed only printed a receipt for a deduction of {$220.00} from my account. I immediately notified the wawa employee next to me, who advised me to contact Chime and notify them of the atm dispensing error. I immediately called Chime and opened a dispute, which was dispute number XXXX. I explained the situation to the Chime representative, provided the location of the XXXX atm, XXXX XXXX XXXX XXXX, XXXX, VA XXXX, and the atm number, XXXX. I called immediately, after finding out that my claim had been denied just a few days later, and submitted additional documentation for an appeal. I then received an email a day or XXXX later, with another denial from Chime. I tried reaching out to the owner of the atm as well XXXX Bank, and asked them to do an atm audit, to prove that the atm would be {$220.00} out of balance, but the XXXX Bank representative stated that I had to contact Chime to get my cash. At this point I am not certain what other course of action to take.
Consumer complaint received 2024-09-14
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Experian Information Solutions Inc. (FL)

The XXXX credit Bureau is reporting XXXX different credit scores on my accounts. This is due to misinformation of the XXXX credit Bureau. 

XXXX XXXX has threaten to sue me twice. We went to court and the judge dismissed the case, yet they are still calling me. 

All other accounts have been paid but still reflecting negative. 
All of my XXXX  loans were forgiven but XXXX credit bureaus reporting it negative.
Consumer complaint received 2024-09-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

Today, XX/XX/year>, Fifth Third negativity withdrew {$490000.00} from a closed account supposedly due to fraudulent transactions on a canceled card and a closed account. They reopened the account due to disputes, so they say, and placed a negative {$490000.00} balance on my account. After having trouble with this bank and several forced transactions on a canceled card, I had to fight to receive over {$900.00} back and that's just the recent disputes I've had. I tried for a long time to close the account but they kept taking out fraudulent amounts on a canceled debit card. My child support would then fill the negative amount causing for shut offs, late or not being able to pay bills. I was finally able to close the account, or so I thought and then this morning I received an alert of a negative withdrawal of {$490000.00} after the account was supposed to be closed. I tried to sign in closed account it would not let me. I called the bank and they said they reopened it because of " disputes '' and took a withdrawal of {$490000.00} out.
Consumer complaint received 2024-09-14
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I was one day late on the following cards because I have been moving from one city to another. The fees exceed the {$8.00} dollar amount for being late that I should be paying. They have called my phone over 500 times being not even a month late. 

XXXX XXXX XXXXXX/XX/year> LATE FEE {$29.00} XXXX XXXX XXXXXX/XX/year> LATE FEE {$29.00} -- -- -- -- -- -- -- -- -- -- -- -- {$58.00} dollars in fee just a single day late. 

Capital One PAST DUE FEE Fee ... XXXX {$25.00} PAST DUE FEE Fee ... XXXX {$25.00} PAST DUE FEE Fee ... XXXX {$28.00} -- -- -- -- -- -- -- -- -- -- -- -- - {$78.00} dollars in late fees from Capital One ( A single day late. ) XXXXXXXX XXXX XXXX  XX/XX/year> LATE FEE Fee {$29.00} Milestone XX/XX/year> PREVIOUS CYCLE LATE FEE Adjustment {$29.00} XXXX  XX/XX/year> PREVIOUS CYCLE LATE FEE Adjustment {$29.00} -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX - {$87.00} dollars in late fees not even a month late Total in Late Fees : {$220.00} - Not even 30 days late.
Consumer complaint received 2018-10-04
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: BBVA FINANCIAL CORPORATION (FL)

On XX/XX/2018 I opened and account with BBVA compass bank because I received an offer and I used to have this bank in the past in PR wihtout any problems. 
Apparently this bank dont have people receving email and responding on time. Everyone speaks XXXX and they always are appologizing fo rthe delay of responsees for weeks to months. 

I had a payday loan coming over to be paid and since the first time this bank incurred me on overdraft that today are over {$520.00} and they do not want to refund the money. this bank is playing with all electronic debts of the clients charging you {$38.00} in advance of the electronic transaction not once they do it twice without the client I am paying noticing and they have not telling them. They are arranging the system to overdraft you in advance of the transation. I have had several transactions and having the money, they only overdraft me, after that overdraft, the transactions entrer and then I incurr in more than one overdraft for them and also for the companies and as well they also make you a second overdraft. 

There was a transaction coming over for XXXX to verify the account and I had money on the account and the overdrafted me for several cents I had to argue on the phone for them to reverse me my money which was twice and after that since then, everytime there is an electronic transaction they overdraft you in advance making you to get in more overdrafts when your money is already there. BEsides that I incurred in over fee payments with the payday agency due to their overdraft. 

I am only receving unemployment benefits and this bank is getting all my money. I moved to Florida and they do not have any branch in my zip code or near it ( XXXX ) it is imposible to make a deposit online either and I used to have the option but they were taking almost a month to make the deposit availble and continuing with the overdrafts. Today I am in need of making a deposit and they do not have my option availble so i could not make any mobile deposit. I also tried to registered several times for the supposed BBVA Compass rewards points which I have not had the benefit and I can not  becuase I do not have the option either so I do not get back or I do not participate in rewards everytime I use the card for gas, nothing is availble, they do not want to reverse the charges and they tomorrow I have another transaction which I was counting on becuase the moeny was there and they overdrafted the account again. Supposedly I have the overdraft protection which they dont even pay the amount. I have been trying for months to resolve the issues with them and nothing. The emails I receive from them is to contact them on the phone and when I call is never the right department and they continue transfering the call. There has been a lot of emails to them form my part and they do not respond on time and only appologize for late response, do not help with anything.
Consumer complaint received 2016-06-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: AES/PHEAA (CO)

I have loans being serviced by Myfedloan. I am in an Income based repayment plan and have outstanding interest, which according to the IBR does not capitalize unless I no longer qualify or change plans. This year when I renewed my IBR, Myfedloan first claimed I no longer qualified, and then later that same day approved my IBR renewal. I happened to catch this because I was watching my loan closely. When they denied my renewal the interest capitalized and did not go back to interest with the subsequent approval. This seems like a very sneaky way of forcing interest to capitalize and, while this could have been a one off mistake, if it is being done systematically it needs to stop.
Consumer complaint received 2018-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio Recovery A : Reporting that I opened an account with them on XX/XX/XXXX but the last active was XX/XX/XXXX. I neither opened account or have an account open with them this account was closed placed in bankruptcy and discharged in XX/XX/XXXX. The reporting is wrong because its backwards. It was XXXX XXXX XXXX during that time and if it's not that account then it will be fraud I never opened an account in XX/XX/XXXX nor XX/XX/XXXX with anyone for the amount of {$870.00}. If its fraud it will have my signature and I would like to see what they say I recently opened. There is supporting documentation.