davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-12
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I opened a capital one/potterybarn credit card to buy some furniture in XXXX, 2023 I paid more than minimum due before the due date in XXXX. Then paid the balance in full as listed on the statement {$7500.00}, ( received before due date ) in XXXX. I received a charge for interest due XXXX, although it was paid in full. When I called to question this, they explained that this was standard procedure. 
This procedure is probably listed on the fine print somewhere, but I think it is not fair practice.
Consumer complaint received 2024-02-12
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (FL)

Hello : I am a senior and feel I have been mislead by American Express. 

2 Advertising Promotional Complaints against American Express for the Platinum Card : 1 ) Applied but did not receive the initial promotional offer. Was told that I was not entitled to it because I had a card prior. I accepted that although there was no disclosure at time of application that stated that limitation. 

2 ) The card has a membership fee of {$250.00}. Once I was approved for the card, I did not see the flight certificate available. I called and was told to pay the {$250.00} and would then receive the certificate. I paid it but am now told that I have to paid a second annual fee before I will receive the certificate so what should have been a {$250.00} companion flight certificate now costs {$500.00}. 

The only choice Im being given now is to cancel but I will only receive {$200.00} refund because it has now been over 30 days since the fee was assessed. 

I feel like both situations are deceptive. My resolution would be a refund of the full {$250.00} but also for American Express to be more clear in their promotional offer.
Consumer complaint received 2024-02-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

XX/XX/XXXX - I paid my property taxes on two of my mortgages out of my pocket. 

XX/XX/XXXX - I called the mortgage company and explained that I inadvertently paid the property taxes myself and requested not to pay my XXXX property taxes but to refund me the money instead. The agent said they would submit a ticket to request the escrow department not to pay the taxes. 

XX/XX/XXXX- I made almost four calls to confirm the property taxes were not paid and that the refund would be sent to me for the property taxes. Every agent confirmed it was being worked on. 

XX/XX/XXXX - I hadnt received my check, so I called again only to find out they had paid the property taxes. I was told to wait while they conducted their investigation. I spoke to someone in customer complaints, and she said she noted the file to get the issue resolved. That resulted in nothing being done. 

XX/XX/XXXX - I called to inquire about the status of my property tax refund and was escalated to a supervisor who assured me they would personally submit a ticket to obtain the refund because it was determined that the taxing office never accepted the payment from the servicer, given that the property taxes were already paid. 

XX/XX/XXXX - I called and spoke to another supervisor who said the prior supervisor never submitted the ticket to obtain the refund. 

XX/XX/XXXX - A new supervisor said he would personally work on it. I requested my funds be returned immediately because he also confirmed the payment never went to the taxing authority. He said he would follow up and email the tax division. 

XX/XX/XXXX - I followed up, and the supervisor said he was still working on the issue and waiting on the tax department. 

At this point, Im frustrated, unemployed, and unable to feed my family due to these lies and lack of research. The money has to be in a suspense account if the taxing authority never received the money. They continue to lie, causing me immense stress. 

They have over {$13000.00} that they can not find, which should be in my escrow account. The process and lies I have been told are unacceptable. I want my money for my taxes and compensation for my time and the interest I could have earned on my money. They need to learn to read notes from the initial call made or find a way to flag their system. I NEED MY MONEY TODAY!
Consumer complaint received 2021-07-20
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: EQUIFAX, INC. (TX)

On XX/XX/2021 I received a fraudulent withdrawal in bank account for {$1000.00} from a company called XXXX. Having never heard of this company I immediately contacted my bank and informed them of the charge. The bank informed me that someone had gained access to my bank account number and used it, since this was the second fraudulent charge on my account in just a few weeks they suggested me close the account. They also suggested I contact XXXX while they preformed their investigation. I contacted XXXX and informed them that this was not me and that I had recently had other fraudulent charges on my account as well and would be closing the account per the banks fraud departments instructions. XXXX informed me that they would also be doing an investigation and would contact me as soon as they had completed it. I never heard from XXXX again and the bank refunded my money as well as closed the account. I assumed everything was worked out. 
Yesterday, XX/XX/2021, after looking into my credit report I found that XXXX was still on my credit and was reporting a balance of {$1000.00}, a high credit of {$1000.00} with a {$130.00} passed due amount, a monthly payment of {$96.00}, and that I was 30 days late on payments as of XX/XX/2021. My credit report shows that on XXXX this loan was opened on XX/XX/2021 as for XXXX and Equifax the loan was opened on XX/XX/2021. 
I immediately contacted XXXX 's customer service. I again explained that this was a fraudulent charge which I had previously contacted them about and that the bank account used had been shut down due to fraud. After asking for my information to verify me and to look up my account with them I was told they would have to do an investigation. When I asked what resulted from the previous investigation the gentleman informed me that he did not see a previous investigation. I then asked to have the account information sent to me from when this was set up so I could see it and he then told me that I did not even have an account with them. When I asked how that was possible he said he only had limited information on his end and would need to speak with the back office who handled these situations. I asked for the number to the back office and whomever handled this to which he informed me they do not have a phone. I them proceeded to ask how that was even possible considering it is 2021 and everyone has a phone. I asked him how he contacts them and he said they have a server to which he contacts them. He then said they would contact me after they finished their investigation. I asked how that would be possible without a phone and since I had never received anything before how would I know that they would really get back to me. The gentleman then proceeded to act as if he could no longer hear me even though he would stop talking as I was speaking and then hung up on me.
Consumer complaint received 2024-02-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC. (TX)

SANTANDER COMPLAINT ON XX/XX/XXXX, THE VEHICLE WAS REPOSSED. XXXX MONTHS LATER I CALLED SANTANDER TO DISPUTE THE CHARGES AND REQUEST A COPY OF THE ORIGINAL LOAN AGREEMENT WHICH I NEVER RECEIVED. I DID RECEIVE A COPY OF DEBT COLLECTION LETTER WITH A LISTING OF PAYMENTS FROM THE XXXX  PAYMENT ON XX/XX/XXXX THRU THE LAST PAYMENT RECEIVED ON XX/XX/XXXX. THE INITIAL PRICE OF THE VEHICLE WAS {$20000.00}, HOWEVER AFTER XXXX OF PAYMENTS TO A TOTAL VALUE OF {$22000.00} WERE PAID AND AT THE TIME OF REPOSSESSION THE BALANCE DUE WAS STILL {$15000.00}. AS I LOOK AT THE STATEMENT I FOUND THAT MOST OF MOST OF MY PRINCIPAL PAYMENTS WERE APPLIED TO THE INTEREST KEEPING THE NOTE AND PRINCIPAL BALANCE HIGH. ON SEVERAL MONTHS I MADE MORE THAN XXXX PAYMENT IN AN EFFORT TO REDUCE THE PRINCIPAL BALANCE AND INSTEAD OF APPLYING THAT XXXX  PAYMENT TO THE PRINCIPAL BALANCE THE MAJORITY AMOUNTS WERE APPLIED TO THE INTEREST. 
THIS IS A DISGUSTING PRACTICE AND IT IS EVEN MORE AGREGIOUS WHEN THIS IS A COMMON PRACTICE BY A COMPANY TO INDIVIDUALS WHO ARE ALREADY BEING FINANCED AT A HIGH INTEREST RATE AND ATTEMPTING TO TRY TO REPAIR OR ESTABLISH A GOOD CREDIT HISTORY/RATING.

THIS PRACTICE IS IN EFFECT CONSPIRATORIAL, FRAUDULOUS, AND IN VIOLATION OF THE TRUTH IN LENDING ACT.

I INTEND TO PROCEED WITH LEGAL FILINGS IF I AM NOT PUNITIVELY REWARDED AS WELL AT THE REMOVAL OF THESE UNMATCHING VALUES OF THE AMOUNTS REPORTED THAT I OWE. THIS ACCOUNT HAS BEEN DISCRIMINATORY FROM ITS INCEPTION. THROUGH THE UNAVAILABILITY OF BETTER FUNDING I TOOK THIS CONTRACT IN GOOD FAITH, BUT WAS INTRODUCED TO THE FACT THAT THERE WAS NO GOOD FAITH IN THIS LENDING.

ALSO THERE WAS NO ACCOUNTING GIVEN TO ME OF THE {$4000.00} DOWN PAYMENT AT THE TIME OF PURCHASE, WHICH AGAIN IS WHY I REQUESTED THE ORIGINAL LOAN AGREEMENT BECAUSE I HAVE NO WAS TO COMPLETE MY ACCOUNTING ON THIS ACCOUNT TO VERIFY THE TRUE VALUE DUE.
Consumer complaint received 2024-02-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2024 at XXXXXXXX XXXX I make a payment on my credit card ending on XXXX at an ATM with cash in the amount of {$1000.00}. The payment did not go through and I received a receipt that stated " It looks like there was a problem completing your payment. Call us at XXXX for personal credit cards or XXXX for business credit cards. 
I did and at first they credited me the amount but on XX/XX/2024 that credit was revoked for whatever reason. They did not give me any proof they just said the credit was made in error. Why then do I have the receipt for the payment? Did they even check the camera at the ATM? I have the sequence # XXXX on the receipt and the XXXX XXXX XXXX at the XXXX XXXX XXXX, XXXX XXXX CA. the XXXX ID : XXXX
Consumer complaint received 2024-02-14
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE (FL)

Bank Credit Card opened XX/XX/XXXX. This is XXXX of XXXX cards but I don't recognize the acct. #. Opened fraudulently. Minimum of $ XXXX is paid monthly and always current. Last paid XX/XX/XXXX. Balance {$190.00}. Not my card. I pay my bills in full every month - never a minimum. Requested credit report from all XXXX companies because I will be applying for a mortgage and found this odd card. 
On XX/XX/XXXX in the early evening, I called the bank in question. The gentleman told me he only saw XXXX account and NOT the one I was disputing. So I disputed online with XXXX XXXX on XXXX but today XX/XX/XXXX XXXX told me to dispute as a fraudulent account.
Consumer complaint received 2024-02-13
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

I have been battling an a previous apartment collection from over 3+ years ago. I am here because I don't know what else to do. I have family whose primary source of income is working on peoples credit for them take look into this issue for me. After multiple rounds of Disputes it was removed and I have the points boost to photo to prove it. Lo and Behold I am in the process of moving and had someone look at my credit report and sure enough this account is not closed. Also the Debt collection company updated the account stating that I lived there in XXXX which is absolutely not true and can be proven. I have lived in my current apt XXXX XXXX XXXX XXXX XXXX XXXX for two years and the previous apartment which was called ( XXXX XXXX ). I know for a a fact when this was because I was laid off from my XXXX around this time due to the closing of a lot of businesses over XXXX procedure so this was no later than XXXX making there timeline incorrect again. I have photos of them emailing me so many years ago and then ceasing to do so because the account was disputed and supposed to be removed... the large gap in between emails serves as irrefutable proof that it Indeed was charged off and here we are again.
Consumer complaint received 2020-05-26
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)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Not only did I find out that my name and social security were being used to open accounts, but also while i was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown accounts from my report as soon as possible. XXXX XXXX {$12000.00} XXXX XXXXXXXX {$1400.00} XXXX  XXXX {$10000.00} XXXX XXXXXXXX {$470.00}
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Sterling Infosystems Inc. (SC)

I accepted an offer of employment on XX/XX/24. I gave consent to a background check by providing the last four digits of my social security number along with agreeing to all terms during the application process, well before accepting an offer of employment. On XX/XX/24 I provided my full social security number and verified my information to confirm my identity. I was hired and started the job training on XX/XX/24. My offer of employment was placed on hold on XX/XX/24 due to a delay in the return of my background check. I was asked by the company to not return back to work until the background check has returned. The background check was performed through Sterling. Sterling is very unprofessional by failing to complete employment background checks in a timely manner. From my understanding it has been fourteen days. Companies can not delay employment offers due to Sterling 's inability to perform its duties in a timely manner. Sterling has stalled the background process for no apparent reason. Sterling promote a turn around time of 3-5 business days with most backgrounds completed within 48 hours. I am disappointed with this company along with any state entities and/or employers that has contributed to the delay of my background. I did not receive an update until I requested an update.
Consumer complaint received 2024-02-10
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Exeter Finance, LLC. (TX)

Title 31 USC 3123 Payment of obligations and interest on the public debt. The faith of the United States Government is pledged to pay, in legal tender, principal and interest on the obligations of the Government issued under this chapter.

* lenders have denied their services to me extend my own credit to myself using them as a fiduciary too make the transaction based off my public credit report in violation of 15 U.S. Code 1611 : - Criminal liability for willful and knowing -Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both. 
( Pub. L. 90321, title I, 112, XXXX XXXX XXXX  82 Stat. 151 ; Pub. L. 111203, title X, 1100A ( 2 ), XXXX XXXX XXXX, 124 Stat. 2107. ) I would appreciate meeting of the minds and full disclosure, so i can access my account and use the god given creditworthiness as it's intention. Please contact me if you have an issues, i am fully competent to handle any and all business moving forward. 

By : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (FL)

I am writing to formally address and rectify inaccuracies in my credit file as reported by your agency. It has come to my attention that there are discrepancies in the information provided by XXXX, XXXX, and XXXX regarding my revolving accounts, specifically pertaining to my XXXX XXXX account. 

Upon thorough examination of the provided breakdown, it is evident that there are inconsistencies in the reporting of crucial details such as account status, payment history, and derogatory remarks. The discrepancies are outlined below : XXXX XXXX Account Information : Account Number : XXXX High Balance : {$880.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$880.00} Closed Date : XX/XX/XXXX Account Rating : Derogatory Account Description : Individual Dispute Status : Account not disputed Creditor Type : Bank Credit Cards Account Status : Closed Payment Status : Collection/Chargeoff Creditor Remarks : Charged off as bad debt ; Dispute resolved; reported by grantor Payment Amount : {$0.00} Last Payment : XX/XX/XXXX Term Length : -- Past Due Amount : {$880.00} Account Type : Credit Card Payment Frequency : -- Credit Limit : {$600.00} XXXX : The account is incorrectly listed as derogatory and charged off, with discrepancies in the payment status and creditor remarks. 
XXXX : No information is provided regarding this account. 
XXXX : The account is incorrectly listed as derogatory and charged off, with discrepancies in the closed date and payment status. 
Payment History : XXXX and XXXX do not report any payment history, while XXXX erroneously lists numerous consecutive months as CO ( Chargeoff ) without providing a comprehensive explanation. 
Days Late - XXXX Year History : There are discrepancies in the number of days late reported by each bureau, indicating inconsistencies in the reporting of payment delinquencies.

These inaccuracies are profoundly concerning as they significantly impact my creditworthiness and financial reputation. I demand immediate action to rectify these errors and ensure that my credit report accurately reflects my financial standing.

I hereby request that you : Conduct a thorough investigation into the discrepancies outlined above.

Correct the inaccuracies in my credit report promptly.

Provide written confirmation once the corrections have been made.

Take necessary measures to prevent similar errors from occurring in the future.

Please note that failure to address these concerns in a timely and satisfactory manner may result in further escalation of this matter, including legal action.

I expect a prompt response within [ state a reasonable timeframe, e.g., XXXX  days ] from the date of this letter. You may reach me at the contact information provided above.

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-02-08
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (FL)

I filed for arbitration. The judged granted motion for arbitration and to stay the case while we arbitrate.. 
Synchrony is harassing/intimidating me by sending an order for summary judgment and a list of witnesses against me. What am i supposed to do if I am electing arbitration. 

Also, I requested for them to pay for the expensive arbitration deposit fee but they are not following up with me
Consumer complaint received 2024-02-12
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

Opened a Capital One Savor One credit card XX/XX/2023. I received the card and days later two unauthorized transactions were recorded on the account. I reported the transactions while they were pending and Capital One was able to stop the transfer of funds. ( XXXX, {$420.00}, and XXXX, {$71.00}, these transactions were previously reported through this website ). Capital One cancelled the card and mailed out a new card. I activated the card and ordered a XXXX XXXX XXXX through XXXX  for {$23.00}. Apparently, the seller/shipper failed to ship the item and XXXX refunded the transaction amount to the card, however, in the exchange of confusion, Capital One closed and/or restricted the account. 

Capital One issued no letter or statement regarding any reason for the denial of credit. I am requesting an investigation because I believe an unidentified person has accessed the account using my social security numbers.
Consumer complaint received 2024-02-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENTAGON FEDERAL CREDIT UNION (NC)

XXXXenfed Credit Union XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Re : Error Resolution Notice under 12 C.F.R. 1024.35 I am writing to request correction of the escrow error described below in regard to the mortgage on my property. 

I have been notified by taxing authority that PenFeld failed to pay the following expenses from my escrow account : Property taxes : o Tax Year : XXXX o Taxes due XX/XX/XXXX : {$3000.00} o New total due ( with interest ) : {$3100.00} It is now 5 months late! 

Under 12 C.F.R. 1024.35, I am entitled to coverage of the interest and cost of any penalties imposed due to the late disbursement of tax funds. As of XX/XX/XXXX, this totals {$83.00} in interest, with interest continuing to accrue on the first day of the month. 

Under federal law, you must acknowledge receipt of the notice of error within XXXX business days. ( 12 C.F.R. 1024.35 ). You must also correct the error within XXXX business days or 45 days if you notify me of the extension and the reason for the delay before the end of the initial XXXX period. ( XXXX C.F.R. XXXX ). However, your prompt attention is appreciated as I have been notified that the delinquent real estate tax will be advertised in the newspaper if payment in full is not received by the Tax XXXX office by XXXX pm on XX/XX/XXXX. 

When I contacted PenFeld on XX/XX/XXXX, they were not able to let me know why my tax payment wasn't dispersed on time, nor when it will be paid.