davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HSBC NORTH AMERICA HOLDINGS INC. (CT)

Good afternoon, HSBC has mishandled my accounts in multiple ways : from telling me to fill out an application to open up a savings account ( after I had already opened up a checking account ) to suspending my mobile and online banking after depositing a government check. I and HSBC tellers have had to wait on hold often times from 20-30 minutes. I called once trying to rectify the concern and had to hang up because I had been going from department to department without resolution and my lunch time was over. 

I have had to send in documentation, I have been in front of tellers and provided documentation and there is no way that this bank should be allowed to restrict access to funds for over 2 months after being provided with i.d., social security number and other information. 

The concerns were supposed to be rectified from prior complaints ( they were not XXXX & XXXX ). This issue began in the latter part of XXXX/first part of XXXX. I was assured that the matter of being able to access my account/my funds was handled : it is not. I sent an email and called on XX/XX/XXXX. It is XX/XX/XXXX : there has been no response and I do not have access to the money. I did take most of the money out when I visited the bank. However, I want the remainder of my funds. 

I called today and had to leave a message like before. 

Please assist me in retrieving my funds, closing the account, investigating HSBC practices and holding the employees responsible accountable ( up to and including termination ). 

XXXX XXXX
Consumer complaint received 2020-04-20
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

Original Charge XX/XX/XXXX XXXX tickets {$740.00} Tickets were supposed to be XXXX championship Tickets we were purchasing. But when after hitting Pay key we double-checked the verification screen and realized we had paid for a venue of XX/XX/XXXX 23 days passed! We pulled up the shopping cart and tried to cancel. It would not cancel. 

I called the merchant XXXX but could not get through to them. I then called Capital one bank and tried to block the purchase. The Capital one representative told me it was not on the computer yet so he couldn't block it. I asked him to flag it to be blocked. He said he could not do that either. The next day I traveled to the bank personally and asked the customer rep to cancel the charge. He said he could not because it wasn't on the computer yet. 

Confirmation came 2 weeks later for the proper game at the proper venue but I had already blocked the charge and canceled the transaction, and asked for an investigation TWICE. Second investigation XX/XX/XXXX after the second so-called investigation I asked to see the paperwork they used to investigate. The ( CAPITAL ONE BANK } sent the paperwork to me showing that they investigated an EXAMPLE not the actual computer page time-stamped, I had paid. This FRUAD was accepted by Capital one bank as prove. It was not the form I paid.XXXX They sent them 14 papers, page one second from bottom line an EXAMPLE of someone's paid receipt NOT MINE! They XXXX probably destroyed the original. I spoke to XXXX face to face at the Capital Branch Branch bank in XXXX, LA also XXXX the manager. Both did what they could and filed again. I was told after calling to check, The investigators had not and would not speak to me. They did their investigation and I had no other recourse and that it did not matter what the Branch people said. ( XXXX XXXX would not give his last name. 

I then emailed the Bank CEO Mr. XXXX XXXX and explained to him how I thought his people had been snowballed by 14 pages of ( EXAMPLE ) and not an actual copy of what I had paid for. And making {$1400.00} per month had caused hardship by his bank Their improper investigation and procedure for stopping payment. NATURALLY, I did not even get an acknowledgment of my email by MR. XXXX, I guess the little guy really does not matter. 
I want my {$740.00} and I feel it was stolen from me by the Ticket Company and the incompetence of the Capital One investigators. XXXX XXXX XXXX. 
Account Number XXXX. Claim Number : XXXX
Consumer complaint received 2020-04-19
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Autovest, L.L.C. (MO)

I surrendered an automobile financed by first infesters they auctioned off car and said I still owe XXXX they then garnished my wages for wrong amount that was paid off and I didn't hear anything from them until six years later when Autovest says they bought a XXXX debt I didn't know I had and place this one my credit as a new delinquent account that I made a recent payment for XXXX on I've never talked to anyone from this company and never opened an account or paid them anything but the damage to my credit from this so called new account as cost me my first home it's showing now as three different XXXX debts with different open dates also XXXX XXXX shows open account that's delinquent also missed payments all show the impact to credit score doesn't fade first financial also shows open delinquent account under 12 first financial name this is also a fake name / company just to keep the six year old debt fresh best part is after the garnishment not one of these companies have reached out to me not once in six years of higher interest rates and denied applications inflated auto insurance all because three companies show different information a spread it out so damage continues.
Consumer complaint received 2020-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

Equifax repeatedly lowers my Credit score the same day I report misinformation and dispute an error with them. They refuse to give me the information of who they spoke with or dates of conversations. They have now locked me out of their website and refuse to unlock my account. I have provided them with everything they asked in terms of what is on my credit report and they still will not reset my password and let me access my account on my.equifax.com.The last question they asked was what my monthly minimum payment was on a credit card that I am an authorized user on I asked them to hold while I verified this info and was then refused access to my account at my.equifax.com.This is not on my credit report and it is not anything that would be used by any other credit reporting agency to verify my identity. There are two accounts on my credit file that have incorrect information. These accounts need to be corrected and I wish to know the names of who they spoke with to verify the information and dates of all conversations.
Consumer complaint received 2020-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Santander Consumer USA Holdings Inc. (MI)

To whom this may concern I am a co-signer on a vehicle with Chrysler Financial. the primary borrower was late on a payment and did not inform me or I would have resolved this matter myself. Furthermore, Chrysler Finacial did not let me know that this was happening either. When I spoke to customer service on approxXX/XX/2020, it was discovered that Chrysler financial did nor have my correct information on file as they claimed that they attempted to reach out to me to inform me of this delinquincy. 
I have had multiple conversations with the customer service team at Chrysler Financial and there answer is that they hold no accountability for reaching out to me to let me know that the account I was a co-signor on was delinquent. 

The results of their dereliction of duty towards me as a customer is a decrease to my credit score and a derogatory mark that will last 7 years. 
I am asking that Chrysler remove this late payment from all credit agencies immediately and create new guidelines to treat and communicate with co-signors in the same manner they communicate with primary borrowers. 
on XX/XX/2020, I spoke with Mr XXXX XXXX from the Exec office/Office of the president and he advised me to reach out by mail to the Chrysler Capital credit Bureau Dispute office and initiate/follow up on this dispute with them. Mr XXXX also requested that I email him this information as well. I have advised Mr XXXX of my reaching out to the CFPB regarding this matter as well.
Consumer complaint received 2020-04-20
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: Experian Information Solutions Inc. (FL)

There are several accounts that were accessed with my information without my consent or knowledge. These accounts are a result of identity theft and I want to get this issue handled in an expedited manner. There is someone still using that XXXX account and paying it as it was me and another one they are not. this is destroying my credit. Also there are other accounts that I do not recognize ever having or applying or doing business with. Please help me get this resolved.
Consumer complaint received 2019-03-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Credit card, Capital One, hiked interest rates beyond my possibilities because I may have missed a payment ; same with XXXX credit card that finance my home air conditioner.gap insurance reneged payment and capital one is after me for payment.
Consumer complaint received 2020-04-20
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY (VA)

I have an american express bluebird prepaid card that I have part of my paycheck deposited and use for ordering specifically online. I have called repeatedly since Saturday XX/XX/2020 regarding an unauthorized charge of {$45.00} Transaction ID XXXX - " store purchase XXXX New Mem # XXXX XXXX {$45.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX 
I didn't make this charge. i have an existing membership with XXXX 's that is not due until end of the summer and my fee is {$100.00} for the plus account. THIS WAS NOT MADE BY ME AND I WANT MY MONEY BACK, PLEASE!! 
when you call the XXXX it immediately disconnects after this announcement OR it will tell you to hold to be transferred then says " you have reached a non working number '' then disconnects. I called the NY office and was advised by the receptionist that there was a long hold for the customer service number they had been having trouble. i told her it wasnt a long hold time, it just disconnected, she advised there was no one to speak to or a working number. I need my account fixed. I am afraid to go online and cancel the card due to i want my refund for the {$45.00} purchase that i didn't make. can you help me? XXXX XXXX
Consumer complaint received 2020-04-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (FL)

I lost my job on XX/XX/2020. Last week I requested to defer payments for my car loan and was approved to defer the next payment to XX/XX/2020. The lender send me an email confirming this on XX/XX/2020. This morning XX/XX/2020 the lender submitted a debit against my checking account for the payment that was scheduled for XX/XX/2020. I contacted the lending institution to inquire and they advised that while I was approved for an extension of the due date the auto pay function in their system had not been disabled and had to be requested separately. On XX/XX/2020 I requested to have the auto bill pay functionality turned off. The lending institution advised I would have to dispute with my bank. Note : When the request for an extension of due date was made verbally the lending institution did not advise that the auto bill pay function had to be requested to be disabled separately and the email received confirming approval of change in due date did not advise that the auto bill pay functionality had to be disabled. On XX/XX/2020 I contacted my bank to initiate a dispute and also put a hold to decline any future transactions from the auto lender ( which I will have to have removed when am able to resume payments ). My bank also advised this hold may or may not  stop the current payment and if does not will have to wait 3 to 5 business days before disputing. I have no concerns with the handling by my bank. IMPACT TO ME : Currently I have XXXX XXXX  available in my bank account. While I have filed for unemployment and am actively looking for work I have no idea when or how soon I will get any income. FEEDBACK TO LENDER - when an approval is made to extend payments your system should be able to recognize this regardless of if the consumer is enrolled in auto pay. You as a lender have an obligation to either 1. Ensure the auto pay function honors the new due date, 2. cancel auto pay without requiring consumer to request, and/or 3. Advise the consumer they must request to cancel auto pay.
Consumer complaint received 2020-04-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (NY)

My husband and I owned joint account at Chase Bank for the past 6 years. On the beginning of XX/XX/2020 my husband received the letter from the bank stating that Chase wish to terminate relationship with my husband and therefore the account was under the consideration of being closed. immediately after I as a primary owner of the account contacted chase customer service with an attempt to resolve the issue. the account manager which i spoke to directed me to bring the issue to one of the closest branches and remove my husband from the account to terminate his relations with the bank. Important detail to mention, the account manager looked up my information and stated that there is no actions from the Chase side towards my name, which means I myself continue to be a loyal Chase customer. To mention that at no point through this whole situation I received any messages or notifications from Chase. As well nowhere in my mobile app account or anywhere else i saw any indications that I and my chase checking account was at any jeopardy. Only to learn that on XX/XX/XXXX in such devastated time in our country and around the globe chase bank did not accept direct deposit from IRS with so much needed stimulus money from the government. On XX/XX/XXXX I contacted Chase customer service again and was notified that my account pending closing, furthermore I was not given any explanation or timeframe how does this effect my existing funds on my account, or when I will be given my money back with some explanations and resolutions. Important thing to mention as of right now I am denied access to my funds and yet not given any explanations or guidelines how to proceed with an issue. As well worth mentioning that denying IRS governmental stimulus deposit in the time when my family in such financial distress and my husband out of work was illegal and against federal policies of putting everything on hold to relieve financial burden caused by COVID-19 virus.
Consumer complaint received 2020-04-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SinglePoint GI (TX)

THE SCHOOL XXXX  XXXX UNIVERSITY IS TRYING TO DESTROY MY PERSONAL CREDIT AFTER I WAS A TOP A STUDENT THERE. I HAD TO WITHDRAW DUE TO PERSONAL REASONS, AND I ASKED THE DISENROLLMENT COUNSELORS IF THERE WAS GOING TO BE ANYTHING ANY FINANCIAL IMPACT. I WAS TOLD NO AND THAT MY STUDENT LOANS HAD ALREADY BEEN PAID AND COVERED MY TUITION AND EXPENSES. I ACTUALLY CURRENTLY PAY ON THOSE STUDENT LOANS NOW. I RECEIVED A BILL FROM THE SCHOOL FOR ANOTHER {$10000.00} OUTSIDE OF MY STUDENT LOANS. THIS IS FRAUDULENT PRACTICES. HOW CAN THEY COLLECT FROM THE GOVERNMENT TO COVER MY COSTS, THEN ALSO BILL FOR A PORTION ON THE BACKEND WHICH WILL IMPACT MY PERSONAL CREDIT MORE THAN THE STUDENT LOANS. THIS IS UNFAIR BUSINESS PRACTICES.
Consumer complaint received 2020-04-20
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Compass Recovery Group, LLC (TX)

I'm a XXXX  XXXX  and live on a very limited income ( mainly XXXX ). Most of my bills are medical related and are typically paid in small chunks or by my health insurance. Compass Recovery Group has been harassing me for months and now my aging mother about a debt that I dont owe. They say I owe one .... and when I tell them my situation and that I can not pay, they have threatened to take legal actions against me. When my mother has spoken to these people, they refused to give her any information about the matter or the company. Fortunately, she didn't give them any information about me except that she would pass the message along to me.
Consumer complaint received 2020-04-20
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: Experian Information Solutions Inc. (GA)

I recently checked my credit report and found several accounts that were not mine. I am not sure if my information was stolen but I reached out to the credit bureaus and even the companies that were not mine but with no luck. I wrote letters and submitted documents to prove the accounts were not mine but the accounts are remaining. I also filed a complaint with the Federal Trade Commission but I am getting no resolution. I am listing the accounts below Account : Dates : Amount : Account : Dates : Amount : Account : Dates : Amount : Account : XXXX XXXX Dates:XXXX Amount : {$720.00} Account : XXXX   Dates:XX/XX/XXXX Amount : {$1500.00} Account : XXXX XXXX   Dates:XX/XX/XXXX Amount : {$8700.00} Account : XXXX XXXX Dates:XX/XX/XXXX Amount : {$100.00} Account : XXXX   Dates:XX/XX/XXXXAmount : {$30000.00} Account : XXXX XXXX Dates:XX/XX/XXXX Amount XXXX {$29000.00} Account : XXXX XXXX   Dates:XX/XX/XXXX Amount : {$40000.00} Account:XXXX XXXX XXXX XXXX   Dates:XX/XX/XXXXAmount : {$1500.00} Account:XXXX XXXX   XXXX XXXX XXXX XXXX  Dates:XX/XX/XXXX Amount : {$12000.00} Account : Dates XXXX Amount :
Consumer complaint received 2020-04-15
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Guild Holdings Company (MA)

Facing Extreme hardship, made difficult to get a job, and difficult to stay in my house in a large scheme of domestic XXXX. 
Guild Mortgage have participated in at least 4 ways : 1-processing a XX/XX/XXXX payment about 7 days later, sequenced in a way to cause insufficient payment. 
2-Not record some payments in its early calculation of what was due.

3-At the end of XXXX conduct a loan modification at the same time as a scheduled foreclosure sale leading me to exhaust all my possibilities of avoiding foreclosure. 
4- Associate my ownership with an unknown second person who is the apparent beneficiary of the collective action of XXXX on me.
Consumer complaint received 2020-04-20
Product: Credit card or prepaid 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 ()

Dear Sirs. I return on my claim No. XXXX against the company Capital One, which has not given a satisfactory response to my request. 
As a reminder, they blocked my access to my online account and my credit cards, without prior notice. The excuse was that I had to verify my identity ( I have been a customer for 18 years ). 
After my complaint, I have been contacted by an official from Capital One ( Mr. XXXX - Ph XXXX XXXX XXXX XXXX - Ext. XXXX ), who kindly tried to give me a solution to the problem, but to date, he has not been able to. 
I detail the steps I did at Mr. XXXX 's direction, from Capital One : 1 - He sent me an email with the option to send a photo of my passport. ( See screenshot photo No. 1 ). After doing the procedure indicated by the system, I took the passport photo and clicked on the send option. This option did not work in at least 10 or 12 attempts ( see photo of screenshot No. 2 and No. 4, marked in red indicating that a system problem could not be performed ).

2 - Given this problem and after talking with XXXX several times, I tried to send a copy of the passport by fax, as indicated by the Capital One system ( See photo of screenshot No. 3 ). After doing so, he informs me that Capital One does not accept sending by fax, contradicting what they sent me as an alternative (?????? ).

3 - Given this, I continued to insist on the original delivery system, taking the passport photo and sending it, which in the end, I did on Saturday XX/XX/XXXX, after several attempts. ( See photo of screenshot No. 5 ).

4 - After that, it is assumed that the system would be enabled, which did not happen. Given this, I proceeded to call him twice to the agent of Capital One ( Mr. XXXX ), who did not answer me, so I had to leave messages in his mail box. I received no response I require the immediate unlocking of my online account and my credit cards.
Consumer complaint received 2020-04-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (AL)

Hello, My name is XXXX XXXX and I have disputed a collection account with the credit bureaus and the collection company ( LVNV Funding LLC ) on several occasions now. I disputed with XXXX, XXXX, and XXXX  on the following dates. ( XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - and XX/XX/XXXX ). They never validated the debt. They only sent response letters stating verified without providing me with the proper proof of verification based on the law. After my third round of disputes, I was asked to provide two for of identification, but i had been attaching my Valid State ID and Social Security ID since letter one.The amount is for {$410.00}. I sent all mail certified and notarized. I recently seen that XXXX  has deleted the collection. However, XXXX  and XXXX  has not. If XXXX  couldnt validate the debt, how can they? This is not my account and I need it removed ASAP.