davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-19
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. (IL)

Experian has sent a refusal to investigate my credit file claiming a Suspicious Request which is a FCRA violation. XXXX and XXXX have started investigations based on the exact same request, I sent required information i.e. their internal file number. Additionally, Experians delays add up to more than 30 days which also violates FCRA rules. I plan to take legal action but I want to create a paper trail. 

The items in question are as follows : ACCOUNTS XXXX XXXX not mine XXXX XXXX   XXXX not mine XXXX XXXX not mine XXXX XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX   XXXX not mine INQUIRIES XXXX XX/XX/2017 unauthorized XXXX XXXX XXXXXX/XX/2017 unauthorized XXXX XXXX XXXX XX/XX/2017 unauthorized XXXX XXXX XXXX XX/XX/2017 unauthorized XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX not mine
Consumer complaint received 2019-08-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MD)

I submitted my first set of paperwork for verification of loan payments in XX/XX/XXXX. At this point my loan servicer was changed from XXXX ( had been others ) to FedLoans. As of XX/XX/XXXX Fedloans has still not been able to verify any of my SIX years of loan payments. I have called innumerable times and every time I call they tell me that they don't know when they will be able to verify my past six years of payments. I have made every payment on time and by the book so it is extremely troubling and anxiety provoking that after 2 years of being with Fedloans they are still giving me the run around and can not verify these payments.
Consumer complaint received 2018-11-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION (NC)

on XX/XX/2018 I authorized a deposit for a transmission rebuild for {$700.00}. {$100.00} cash was given and {$600.00} was taken from my Navy Federal Checking Account. I was told i needed to do so by the repair shop so I would not be charged for towing. I did so reluctantly as a XXXX Vet on a fixed income I had applied for a grant and was awaiting a decision. I was told by XXXX XXXX once he got the check for the invoiced amount of {$1400.00}, I could reverse the deposit charge of {$600.00} and he would give me the {$100.00} when the check cleared. The grant was granted about a week and a half later at which time the car was delivered not only was the work not done but other parts of my car had been damaged from towing to intake and other engine components. The car literally malfunction 30 minutes after delivery and has not been working properly since with the check engine light on at delivery of vehicle. the 2 months it stayed at XXXX my car was damaged repeadtedly. SO when I filed the charge with Navy Federal for overpayment and work not done ; they did not document or take my evidence into consideration properly. 2 1/2 weeks ago the repair shop filed a dispute with their bank and had the {$600.00} reversed. Navy federal immediately reversed the charge stating I did not provide evidence. This is the second incident of Navy Federal claiming documents were not received an in both cases continues to leave me responsible for payment. As well they took this money out of my account that my VA XXXX is deposited which is also illegal. Last year I was also told I was now responsible for another persons account that I co-signed for after I had returned paperwork to b removed form account. They refused to move me from account and continue to hold me fully responsible. So when the dispute was challenged Navy Federal requested several documents and turned in all and then they said it was not information to turn into VISA so they were going to let a thief keep {$600.00}. I spoke to the rep XXXX today in the Dispute Department she over talked me and was very arrogant and rude with her explanation and refused to take into consideration the error that has been made by Navy Federal
Consumer complaint received 2018-11-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/XXXX. 2018, I realized I lost my CapitalOne Quicksilver credit card while in XXXX, XXXX. I reported the loss to CapitalOne. On XX/XX/XXXX, fraudulent charges ( 10 amounting to {$350.00} ) appeared on my online statement. I reported this to CapitalOne, which subsequently credited back {$430.00}. ( I called back to report discrepancy, but I was told it will be reconciled after investigation ). On XX/XX/2018, I got a call from CapitalOne informing me the case was resolved and no further action is needed from me. However I found out that the same 10 fraudulent items totaling {$350.00} reappeared as XX/XX/2018 entries plus {$6.00} as interest charge. I made several calls to CapitalOne between XX/XX/XXXX and XXXX to resolve issue. Each time I called, a different representative answered and asked the same questions. In short, I am given the run-around.
Consumer complaint received 2018-07-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (TX)

I have several accounts with Navy Federal Credit Union - personal checking and savings, business checking and savings, and credit card. 

I am 10 days late on my credit card payment - TEN days, not 30, 60 or 90 - with a longstanding good history with this bank. 

I get paid Friday - but today, they withdrew my entire checking account balance without my knowledge, to apply it to the credit card.
Consumer complaint received 2022-07-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Kikoff Inc. (CA)

Kickoff Lending LLC, appears on my credit report with a limit of {$500.00}, I never applied for credit through them, I have never receive correspondence from them in my name, I disputed this with XXXX, now they have reported a late payment. The phone number they have on file is a recording.
Consumer complaint received 2018-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NY)

I have disputed a record with XXXX XXXX XXXX on multiple occasions regarding an record they are reporting from USAA. On multiple occasions I have disputed parts of this record and request for its removal for varying degrees of incorrect/unverifiable information being reported, and yet they continue to report it. I spoke with them today and the representative told me that even though the date of birth is incorrect, it is such a low value of information that it still allows them to report the record.
Consumer complaint received 2018-11-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (MD)

I have received calls from many different agencies regarding a debt to JCPenny, and a previous complaint was filed regarding this back in XXXX ( XXXX-XXXX, XXXX-XXXX ). Family members and I began receiving calls again last week, including one on  XX/XX/XXXX from XXXX that stated there were two pending charges. When I called back, I was told this was from the JCPenny account that was already paid, and when I told them it had already been paid, and I have a letter stating such, they said that if I was refusing to pay them, it would go to court. I told them I desired to take this to court, so we could get it dismissed for good.
Consumer complaint received 2018-12-04
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I sent in a personal check to pay the remaining balance of my loan. I sent it with the following conditions : Cashing this check, you agree to the following : 1 ) Show Paid in Full 2 ) Removing Negative Items from Credit Reports 3 ) Cease collections They cashed the check on XX/XX/18 & failed to report according to our agreement.
Consumer complaint received 2022-07-03
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act US Dept of EDXXXX Account # XXXX and XXXX XXXX  Account # XXXX, had violated my rights.

15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2018-11-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP (NY)

On XX/XX/XXXX I purchased a XXXX XXXX XXXX from XXXX XXXX in XXXX, New York for the retail price of {$20000.00}. Upon the initial purchase, I placed a {$1000.00} deposit and signed a financing agreement for sixty months at the cost of {$310.00} per month to the accumulated amount of {$18000.00}. I preceded to sign-up with Hondas autopay program shortly after receiving the vehicle using my XXXX XXXX savings account and prior to the first pay date. Payments of {$310.00} were made each month, in full, without incident, with the final payment posted on XX/XX/XXXX. 

On XX/XX/XXXX I received a notice in the mail from Honda Financial Services regarding a late payment of {$1000.00}. The notice did not specify the date of the alleged late payment. After contacting Honda Financial Services on XX/XX/XXXX, I was told that my first payment dating back to XXXX of XXXX was not posted until XXXX of XXXX. The representative said that in this five-year time frame I was contacted both by phone and through email about the late payment of {$310.00} from XX/XX/XXXX, which has since compiled interest, bringing the total amount to {$1000.00}. 

After retrieving the last email Honda Financial Services sent to me which was XX/XX/XXXX the contents of the email did not specify a late payment. Since that email, I have received two separate emails from XXXX XXXX one from XX/XX/XXXX and another from XX/XX/XXXX regarding their upgrade program, stating that they examined my account and I was eligible for an upgrade. I also received an upgrade notice, by mail, from XXXX XXXX on XX/XX/XXXX with the notice saying my account status is Paid Off. The phone calls I did receive from Honda Financial Services were generic, automated messages that did not specify a late or overdue payment. To the best of my knowledge I did not receive a phone call from an Agent until XX/XX/XXXX. 

I have since had XXXX  XXXX pull up my savings account statements from XXXX of XXXX through XXXX of XXXX, and after reviewing noticed Honda Financial Services did not start withdrawing payments until XX/XX/XXXX. After reviewing my credit report - through XXXX  The missing payment from XXXX of XXXX was not posted late until XXXX of XXXX, and Honda Financial Services did not report the late claim to XXXX until XX/XX/XXXX. On further review, all automated, monthly payments from Honda Financial Services show C for current until XXXX of XXXX, with XX/XX/XXXX showing NR for not reported, then C for XXXX of XXXX. This is confusing because XXXX XXXX, Honda Financial Services and XXXX show the XX/XX/XXXX amount being posted on time. 

My credit score has been dipping since XXXX of XXXX and I am at risk of repossession of my vehicle. I wanted to know what I should do to fight this late claim since Honda Financial Services did not adequately inform me about the missing payment.
Consumer complaint received 2016-08-24
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (CA)

I applied the AMEX Platinum Card when they have XXXX reward offer this XX/XX/XXXX and get approved. 
I met the spending requirement within 3 month, and then AMEX gave me the XXXX rewards at XX/XX/XXXX. 

However, they took my XXXX reward back few days ago without any info. 
I called AMEX customer service they said there is a unusually point activity flag on my account. 
But this does n't make any sense because I did n't use any point since I earn it. 
And then, the representative said he will help me to open a case to investigate that. 
However, I contact AMEX representative again today, and he told me he ca n't find out any update or further state on my case. 

It makes me feel worry about AMEX might not investigate this mistake fair and get my reward back.
Consumer complaint received 2018-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC. (KY)

I guess my problem is easy enough to fix but I don't know how to or who to call. I applied for credit at an online store and I'm sure I would have gotten it but they were informed that I had placed a credit freeze on my file. I never have!!! It says that it's Equifax credit that told them that. Can you contact them after you see it's not frozen? It's from XXXX XXXX, Phone number is XXXX and my order number is XXXX. Some things I ordered are for XXXX gifts so I'd appreciate it if you can call them to get my order started. Thanks!
Consumer complaint received 2018-11-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (NY)

I am the victim of identity theft. My TD Bank ATM/Debit card was stolen and used for unauthorized transactions on XX/XX/XXXX. I did not authorize any debit or ATM transactions on this date, and I did not authorize anyone else to use my ATM/Debit card in any way. This was a new ATM/Debit card that never arrived to my address. 

I wrote a letter as a follow up to my initial call to TD Bank Customer Service on XX/XX/XXXX, where I reported the card as stolen and disputed the unauthorized transactions over the phone within 48 hours of those transactions. 

I also placed follow up calls to TD Bank Customer Service on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to check on the investigation and inquire about the provisional credit, which pursuant to the Electronic Fund Transfer Act should have been credited to my account within 10 business days of my oral notice on XX/XX/XXXX, and is still yet to be credited. 

Pursuant to the Electronic Fund Transfer Act, and implementing Regulation E, 15 U.S.C. 1693 et seq., 12 C.F.R. 205, of my stolen ATM/Debit Card and unauthorized transactions. See especially 12 C.F.R. 205.6, 205.11. I requested that they investigate any unauthorized transactions involving this card, including but not limited to the following : XX/XX/XXXX DEBIT CARD XXXX DDA XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY - {$10.00} XX/XX/XXXX ATM DDA WITHDRAW XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY - {$640.00} XX/XX/XXXX POS DDA PURCHASE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY - {$500.00} XX/XX/XXXX POS DDA PURCHASE XXXX XXXX XXXX STORE XXXX XXXX XXXX XXXX NY - {$500.00} XX/XX/XXXX ATM DDA WITHDRAW XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX {$750.00} TD Bank is in violation of the Electronic Fund Transfer Act which requires the provisional credit post to my account within 10 business days of my dispute. 

TD Bank requested that I file a police report, I did so on XX/XX/XXXX and also filed an Identity Theft report with the FTC. TD Bank is denying my dispute based on the debit card being activated by someone with the last 4 digits of my social security number. However, I never received the debit card, I never authorized anyone to use the debit card, I never activated the debit card. I followed all of TD Bank 's guidelines and suggestions for reporting the unauthorized use of my account, and also followed all FTC, EFTA, and police guidelines for reporting the fraudulent use of my account and identity theft. 

Pursuant to the EFTA, I am appealing for TD Bank to restore funds totaling {$2400.00} that have been withdrawn from my account, to notify me in writing of the results of their investigation, and to please send me written confirmation that the funds have been restored.
Consumer complaint received 2018-11-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (CA)

On Sunday XX/XX/XXXX, I applied for a Chase Sapphire Preferred credit card. This card in particular stood out due to the XXXX point bonus when you spend {$4000.00} or more in three months AS WELL AS a 0 % intro rate for 12 billing cycles. There after it would be 17.99-29.99 % variable. I decided that this was a wonderful option & took the offer. I signed in to my online banking & noticed it stated the apr was 17.99. I was so confused so I called the Chase credit card department. They stated they had no such offer. I told him to go to the website, creditcards.chase.com & the promo would be there. He said it wasn't & to go to the branch to fix the problem. Today, XX/XX/XXXX, I walked into my nearest Chase on XXXX XXXX XXXX in XXXX, CA. She saw the offer I saw & applied for. She immediately got on the phone & tried to correct this for me. The representative she spoke to also said the same thing. They could not see the offer. The branch employee sided with me but said there was nothing in her power to correct this glitch. I am so careful on running my credit. I want the offer I applied for & not this one that was given to me. I feel so mislead & I keep getting the run around. It's not fair that their false advertising that's published is not given to me even though it's on their website.
Consumer complaint received 2018-11-19
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (NJ)

On XX/XX/2016, we made a purchase with XXXX XXXX in the amount of {$1700.00}, which included a {$150.00} fee to be eligible for a 24 month, 0 % interest, equal payment plan on the purchase. The monthly amount due was {$76.00}, more than enough to satisfy the purchase within the 24 months. 
This month, when we went to pay our bill online ( we do not receive paper statements ), we discovered that promotion is ending, but instead of owing {$76.00} or less, we owe more than {$180.00} on the purchase! 
When we looked at our online statements, that's when we realized XXXX XXXX XXXX has been applying our payments to subsequent purchases at amounts which now makes it appear we haven't been paying enough on the original purchase ( when we have ). When I called to find out why they were applying our payments in this way, both representatives argued with me. First, XXXX told me that's just how they apply payments. When I asked to be transferred to a manager, XXXX gave me 2 lies -- the first being that we aren't incurring any interest ( ignoring the fact that we will begin to accrue interest when the balance isn't satisfied in full on XX/XX/XXXX, despite having paid {$150.00} to have equal payments to avoid the threat of interest ), and the second that the {$150.00} fee wasn't included in the {$1700.00}. 
Now, our option is to pay the {$130.00} minimum payment ( which includes subsequent purchases subject to the same terms with an additional {$150.00} fee ) and incur interest on the outstanding balance owed for the first purchase OR pay {$130.00} PLUS the {$180.00} which means the {$150.00} fee was a lie because XXXX XXXX XXXX didn't do as promised and calculate 24 equal payments for us to avoid having to incur or pay interest.
Consumer complaint received 2018-11-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ABR Recovery Services LLC. (TX)

Company reported a debt I do not owe to the Credit Reporting Agency. I contacted them and notified this was not my debt. They notified me that ABR Recovery " verified '' the debt. I notified them that it was a fraudulent account because I don't owe this yet it has effected my credit score. I  received a letter from them today for the first time they have ever contacted me. Not mine. The letter seemed to be copied on an old fax type machine, the envelope was scotch tape sealed ... very suspicious. I checked them on line and found that they have had complaints before. The letter was threatening and accusatory and made legal threats they can not engage in in Texas.
Consumer complaint received 2018-11-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (IL)

A credit card was opened in my name fraudulently and I am having a difficult time to get Best Buy/Citi to close the case. In the meantime I have asked 3 times for a copy of the signed application with no luck. They have told me that the individual that applied for the card did so in-person, so there is a paper copy of the application with a signature.
Consumer complaint received 2016-08-25
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: ALLY FINANCIAL INC. (CA)

paid off loan to car with XXXX checks. They cashed a XXXX check and a XXXX check almost 2 months ago. 
they said XXXX check was sent back ( however, no check received and bank statement shows they cashed check ) they kept XXXX check. 
they are now saying I own 3 months car payments and will repo vehicle despite them having almost XXXX they cashed to buy out vehicale and can not account for the money. 
I 've called 30 times, promised a call back and never given one. Told different story every time.
Consumer complaint received 2018-03-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC (IA)

I do not know who this company is or why they are contacting me about a XXXX XXXX XXXX. I called and they can not provide a validation of my account or any information but placed it on my credit report. I was told they tried to call in XX/XX/2017 and couldnt reach me at a number I had never heard of. I further asked if I was ever contacted via mail and they said they are not required to mail anything as a phone call is sufficient. This appeared on my report out of no where and I want it deleted immediately! I was told by their rep they are not required to know the FCRA rules cause its a third party collection agency and they purchased the debt and thats good enough for them to say its mine.