davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX Attorney General and FTC
Consumer complaint received 2016-01-16
Product: Prepaid card — ID prepaid card
Issue: Managing, opening, or closing account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

On or about XXXX XXXX, XXXX I contacted Capital One and informed them of a suspected fraudulent charge. The credit card was closed and another issued. On XXXX XXXX, XXXX the fraudulent charge was corrected by company that took money. As of this date I have been attempting to have Capital One correct, adjust the reimburse and credit my card account the amount returned by company and they will not. They say they are investigating, there is nothing to investigate since the money was returned close to two weeks ago. I am unable to use the card or obtain any form of my money. Also, they keep requiring that I provide my social security number and too many entities have the SSN 's of Americans. The SSN was supposed to be a unique identifier, with few privy to that knowledge however, with every body and their brother from XXXX XXXX to the Ice Cream man on the truck with access to this number, how can it be a secret and kept secure?
Consumer complaint received 2016-07-09
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I sent the following message to Capital One on XXXX/XXXX/16 : My name is XXXX XXXX at XXXX, New York, XXXX. My contact number is XXXX. You may reach me by this address or phone number regarding any business matters with you. Under the Fair Debt Collection Practices Act, I will consider any further contact at my place of employment or by others means inconvenient and harassment. 
On XXXX/XXXX/16, I contacted Capital One with the following message : On XXXX/XXXX/16, I contacted your business with the following message : My name is XXXX XXXX at XXXX, New York, XXXX. My contact number is XXXX. You may reach me by this address or phone number regarding any business matters with you. Under the Fair Debt Collection Practices Act, I will consider any further contact at my place of employment or by others means inconvenient and harassment. On XXXX/XXXX/16, I was contacted by XXXX XXXX a representative of Capital One who ensure I would only be contacted at the means listed above. 

On XXXX/XXXX/16, I was contacted at my place of employment by Capital One by XXXX a representative of your company. Due to continued contact at my place of employment, I will be filing complaints with New York 's Attorney General 's office, the Federal Trade Commission, and the Consumer Financial Protection Bureau. 

I am seeking assistance from your organization to stop harassing phone calls at my place of employment and only contacted by the means I specifically specified.
Consumer complaint received 2015-08-11
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I had a personel account with Capital One Bank and An XXXX Corporate Account with the same bank. the bank manager closed my account and removed all funds from my personal account and deposited the funds into my corporate account without any permission and without advising me of the transaction. when I went to the branch they stated that there was two cashiers check mailed to me, which I never received they failed to tell me that they deposited my personal funds into the corporate account. its been now 30 days since that happened and the accounts are still open. I never authorized any of the transactions.
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (VA)

I am writing to dispute and request the removal of inaccurate and fraudulent information from my credit report in accordance with Section 605 ( b ) of the Fair Credit Reporting Act ( FCRA ). 
XXXX. Fraudulent Address : The following address is listed fraudulently on my credit report and must be removed : XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX This address was added without my authorization and is not connected to me. Please remove it from my credit report immediately, as it is a clear case of fraud. 
2. Negative Accounts Related to Fraud : I also dispute the accuracy of the following accounts, which appear to be related to fraudulent activity. I request that they be removed from my credit file under Section 605 ( b ) : Account Name : XXXX XXXX XXXX XXXX Loan Account Number : XXXX Reason for Dispute : This account was opened without my knowledge or consent as part of identity theft. 
Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Reason for Dispute : This account was opened without my knowledge or consent as part of identity theft. 
Account Name : XXXX XXXXXXXX Account Number : XXXX Reason for Dispute : This account was opened without my knowledge or consent as part of identity theft. 
Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Reason for Dispute : This account was opened without my knowledge or consent as part of identity theft. 
Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Reason for Dispute : This account was opened without my knowledge or consent as part of identity theft. 

Under Section 605 ( b ), fraudulent or inaccurate accounts must be removed from my credit report. I request an immediate investigation into these items and their removal from my credit file. 
I have enclosed copies of my identity theft affidavit, my government-issued ID, and a utility bill as proof of my identity, along with any relevant documentation related to the fraud.
Consumer complaint received 2017-03-27
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have been contacted by a credit card issuer that I have had a card in good standing since XX/XX/2005. They are asking what I feel are personal questions such as " Are you a US citizen? ". This question as with the others questions were answered when opening the account and I feel they are intrusive and unnecessary for me to continue using the card. They write " Please respond right away. Otherwise, we may be required to restrict or close your account. '' Is this legal?
Consumer complaint received 2015-12-09
Product: Credit card — 
Issue: APR or interest rate — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

I 've had XXXX accounts with capital one since roughly XXXX. I had XXXX of the same product for a long time. Yesterday, XXXX XXXX XXXX I was chatting with a representative where I was informed I qualified to be upgraded to a venture card where I get XXXX miles for every dollar spent. I thought this was great and decided to close my other XXXX accounts and transfer the credit lines to my new venture card. Well it turns out that that the venture card is a subprime card where I only get XXXX miles for every dollar spent and my interest rate is 24.99 % variable. They gave me an offer for 7 months to lower rate to 20 % variable. Prior to combining the accounts I had XXXX XXXX XXXX accounts and XXXX of them had a 14.99 % rate variable however, since it was the lowest rate out of the XXXX they charged me a {$79.00} dollar annual fee which they refused to waive. Now I closed that account and moved the credit line due to missinformation and I was clearly missled here. I have a XXXX card with a super high interest rate, poor rewards and I no longer have the card with the 14.99 % interest rate. If I would have known the venture card does not earn XXXX miles for every dollar I would not have closed the other accounts and moved the lines over. I feel missled as a consumer specially since they were charging me an annual on XXXX card and not charging it on the other XXXX cards even though they were the exact same product. If you do it in XXXX card you should do it to all the same products and in my case they were the exact same cards. They just did not want to waive the annual fee because my interest was 14.99 %. I am extremely upset.
Consumer complaint received 2016-10-16
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

They failed to verify the debt and did not provide the information that i requested from them, to verify that i actually owe what they say i owe. 

I clearly requested how the amount was calculated, a contract that i signed, copies of the billing statements from the original creditor, documentation that they own the alleged debt, or verification such as a contract between them and the original creditor that gives them authorization to collect the debt, a copy of there collection license and/or authority to collect in my state. 

All of the letters they sent me do not include any credible information and they are clearly ignoring my verification letters. They are sending me the same letter every time that does not state anything of value and is irrelevant to my letter. 

Copies of all letters sent and received are available upon request.
Consumer complaint received 2016-03-23
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: American First Finance, Inc. (IL)

When my account got behind I made a payment agreement with them using my debit card. I had already paid off more than twice the amount of money I borrowed yet because of their insanely high interest rate they still claim I owe them as much as the day I borrowed from them. Anyway using a debit card ever with them is a BIG mistake. HUGE mistake. once I had used my debit card for what was supposed to be a single transaction when I got behind again they started debiting my account with that card on a daily basis. When I called they said that legally they were allowed to do so until my contract was up to date. My contract says nothing of the sort! Do not ever authorize a one time debit payment with this company because until you cancel everything with your bank they will bleed your account dry and not even bother with the contract arbitration that they have you sign. You are better off to use rent a center or aarons than these people. This company is predatory lending at its finest, ripping people off draining their bank accounts and socking bank charges on top of their own charges and fees.
Consumer complaint received 2015-05-11
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Selene Finance LP (NC)

I can not get my mortgage company to send me a bill. They are mailing it to the wrong address and told me I need to correct it. I never asked them to send it there so I do not understand why I ca n't get a bill mailed to the home on file ( the property address for the mortgage ). I am unable to pay my bill, so my credit is being affected.
Consumer complaint received 2015-09-15
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc. (WA)

A " XXXX '' phones and asks for XXXX XXXX, my fiance 's son, who does not live here. She wo n't give me the name of the company or a phone number or discuss what she wants and hangs up when questioned about anything. I have nothing to do with this and consider it harassment. I XXXX the phone call and am put on a repeating hold message with no company name given.
Consumer complaint received 2015-11-17
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Designed Receivable Solutions, Inc. (CA)

Designed Receivables is reporting debt that were discharged in Bankruptcy. Also, I paid XXXX bills, and they said that they would Keep reporting them as unpaid until ALL the bills were paid. And I do n't even know if I truly owe them. I have great insurance through XXXX XXXX, and I do n't believe that I owe them so many bills. They are single-handedly ruining my credit.
Consumer complaint received 2015-12-30
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CMRE Financial Services, Inc. (CA)

CMRE Finance. XXXX XXXX. {$290.00} Request : Deleted permanently from my credit report. 
Status : Inaccurate account information. 
To the best of my knowledge, I was not aware of this medical collection until a refinance inquiry.
Consumer complaint received 2015-05-04
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Southern Fidelity Mortgage (NV)

I had tried to secure a mortgage loan from southern Fidelity Mortgage. I found a house that I liked and we proceeded with the loan approval process. I told them that my credit was n't very good and I told them I had collections. She told me they would either just deny the loan or ask me to pay the collections. Well later they told me the loan was approved but that I needed to pay off the collections. Well I told her I would have a tough time raising the down payment money and closing cost if they needed that paid off. Well they told me that if I backed out now I would lose my earnest money because the loan was approved. Not the original loan but the one they came up with all these conditions.
Consumer complaint received 2021-08-23
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: GSF MORTGAGE CORP (FL)

On XX/XX/2021 I received a letter from XXXXXXXX XXXX notifying me of a service transfer to another mortgage company, XXXX XXXX XXXX. This was to take effect on XX/XX/2021. I sent a check to XXXX XXXX and it was processed on XX/XX/XXXX. The check was in the amount of {$830.00}. However, XXXX XXXX  also withdrew {$830.00} from my account for the XX/XX/XXXX payment. I mailed all the documents to XXXX XXXX advising them that they should return {$830.00} because in essence I paid the mortgage twice for the month of XXXX, XXXX They did not reply or attempt to resolve the issue. I attempted to call XXXXXXXX XXXX  on the phone. They did not answer but I did leave a voicemail, but they never returned the call. 

Copies of this complaint are forwarded to : Florida Office of Financial Regulation, Consumer Finance Protection Bureau, and XXXX XXXX
Consumer complaint received 2015-08-23
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL (NJ)

I brought a bed from Sleepys on credit. The credit was provided by Synchrony Bank. The amount of the purchase was {$400.00}. As soon as I bought the bed, I scheduled online monthly payments from my bank account on monthly basis on the XXXX of every month adding up to {$400.00} within the time period I was responsible to make the entire payment without an charges. However, now that I go and check I am charged late fees. I contacted the bank on XXXX/XXXX/15 and I was being told that I am charged for prepayment because the system does not recognize the prepayment and instead of applying against the amount due for {$400.00}, it has been applied against the minimum monthly amount due. I am being charged {$120.00}. I think that I am being cheated despite the fact that I have made total amount due.
Consumer complaint received 2016-01-12
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: SYNCHRONY FINANCIAL (GA)

hello i applied for XXXX card with this bank and there rep told me about all the other cards they have and said that if i apply to them within 30 days they will use my report on file well i did but now i have XXXX inquiry on my report the last XXXX of my ss are XXXX
Consumer complaint received 2015-11-16
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Seattle Service Bureau, Inc (GA)

Message Body : I dispute all bills from XXXX XXXX XXXX, in due the fact I 'm under XXXX XXXX ASSISTANCE PLAN CODE XXXX. 
Please remove my name from all Collect Agencies XXXX 

Thanks!
Consumer complaint received 2015-09-03
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL (GA)

The monthly payment on my credit card is usually due for payment on XXXX of each month and I make my payments electronically through my bank, regularly on the XXXX or the first working day of each month. When I checked my statement online today, I found that my account has been accessed a late fee of {$38.00}. I further checked my previous statements, only to find that the company started accessing my account late fee as far back as XX/XX/XXXX. I spoke with one of the company 's associates on the phone. She indicated that I have been paying my monthly due amount too early than their billing circle. She agreed to remove only the late fee accessed for XX/XX/XXXX, without removing those accessed from XX/XX/XXXX-XX/XX/XXXX, nor the interests charged on the late fees. It is sad, rather for the company to praise my efforts at making payment ahead of time, I am being charged late fee. I think this is another form of fraudulent credit card charges, when someone is penalized for meeting ones obligation ahead of time.
Consumer complaint received 2015-06-19
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (NY)

I have a credit card with XXXX formerly XXXX And ShopNbc. I found out today that they said they closed my account because of non payment in six months, I told their Rep thats impossible because i have a print out not only from my bank but from their web site 's payment history which shows i 've made payments since XX/XX/XXXX to as recent as XX/XX/XXXX.The rep then said they never recivied it i said well there are comformation numbers with thoses payments.The Rep then said my account went to collections to a Co. called XXXX " I told the rep i never heard of them let alone recivied any letter 's or phone calls from them. After further probing i found out that XXXX has a misleadind and fraudulant practice of offering a payment plan on items the sell and charge the indivual consumer sperately but do n't inform them of this practice.As my monthly bill statement came in i paid it thinking the monies would go toward the bill.They ( The XXXX said it did not ) so i said had i known this i would not have accepted this or would have paid more to cover this hidden practice.I told the rep that this is a misleading practice as i never seen nor heard of such a thing as you pay but it goes to the princible only. i will seek legal action with the NEW YORK STATE ATTY GEN. As i tried to find someone to help me through their company i was given the ole consumer shuffle transfere here transfere there no solution in sight This is my last resort. Had i look online earlier i would have seen all the compliants about this company. See why the changed their name so often. Then the Rep said i owe for something i told him i never recivied. They also told me that because they closed my account that they erased all transactions? Sound very shifty to me glad i printed out my payment history from their web site.
Consumer complaint received 2015-09-25
Product: Credit card — 
Issue: Rewards — 
Company: BARCLAYS BANK DELAWARE (IN)

Barclay 's Bank closed my Barclay XXXX Card on XXXX XXXX, 2015 without notice and for no apparent reason. They simply sent me a letter indicating that " We have recently conducted a review of our accounts. Following this review, we regret to advise you that we are unable to maintain an account with you because of your history of account usage. Your account has been closed in accordance with the terms and conditions of the Cardmember Agreement ''. At the time of closure, I had accumulated XXXX miles on my Barclay XXXX Card, but I can no longer access those miles due to the sudden closure of my account. It is a deceptive business practice to tell me that I can earn and redeem miles, but then just close my account out of the blue without compensating me for the value of the rewards that I earned. Barclay 's website states that you can " redeem your miles for travel statement credits, and earn 10 % miles back to use toward your next redemption ''. Therefore, the value of XXXX miles would be {$1300.00}, with 10 % of the miles ( XXXX ) being returned to my account after redemption, which could then be used for another redemption of {$130.00}, etc. The total value of those miles after just XXXX redemptions is worth {$1400.00}. It appears very deceptive that Barclays Bank would encourage customers to earn these miles and then close an account without notice or reasonable cause. I have been an excellent customer. My XXXX score has ranged between XXXX to XXXX over the past year, according to Barclaycard itself. I have never made a late payment, nor had a bounced payment. I have typically paid early because Barclays Bank sends out emails, stating " Why wait? Make a payment now '', encouraging early payments before the due date. Not only have I used this card for a significant amount of my spending, but I 've also responded to their promotional enticements. For example, Barclays Bank encourages the purchase of gift cards, such as offering XXXX extra points per dollar spent by buying XXXX XXXX XXXX XXXX through their Barclays XXXX XXXX online shopping portal ( See attachment ). I have done that and I have been deliberately trying to earn miles because Barclays Bank claims repeatedly that " there 's no limit to how many miles you can earn '' ( See attachment ). It is deceptive for this bank to entice people like me to use this card, accumulate a significant amount of rewards, and then suddenly remove those rewards from me without any notice or warning. I will consider this matter satisfactorily settled if my account is credited for {$1400.00}, the minimum amount that my earned miles are worth if redeemed for travel statement credits.
Consumer complaint received 2015-06-25
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Flagstar Bank, N.A. (RI)

Became over 30 days past due on my mortgage loan. Wanted to make a payment online through the bank 's internet portal, which does not carry a fee - but was restricted from doing so due to the past due status. Called in to make the missed payment and was assessed a {$15.00} fee for doing so. Blocking delinquent customers from free payment options and forcing a {$15.00} fee on them for essentially the same service with an agent - with no other free electronic payment options - strikes me as the imposition of an additional late charge beyond what the contract allowed for. 

Additionally, the bank offered a payment plan to allow me to cure the debt over time, which I appreciate. However, each installment under this plan will also be charged a {$15.00} processing fee, which seems again like the imposition of additional fees for customers experiencing hardship. I have agreed to these terms because I want to cure the delinquency.