davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (NJ)

In late XXXX, Santander Consumer USA AutoPay correctly deducted XXXX for my auto finance monthly charge. I went into my online account to ensure the payment processed and somehow another manual payment was processed for XXXX. I noticed this on my online bank statement several days later, as it put my checking account balance in jeopardy of being in an overdraft state. I contacted Santander customer service immediately and explained the double payment situation, for which they assured me they would refund the error of the second payment to me, so as not to disrupt my AutoPay setup. I eventually received the credit. 

Today, XXXX  XXXX, I called customer service after receiving an automated email from their system stating there was " a problem making my XXXX payment with AutoPay '' at XXXX on XXXX XXXX. I logged into my account, received a message that AutoPay was enabled, and proceeded to my account, which showed my account now past due and only an option to pay my XXXX amount by credit card or debit card ( no checking account option ) with an associated fee. Customer service advised there was nothing they could do ; it was a " system '' issue. I asked for a supervisor, who never returned my call. The representative informed me that the refunded double payment was noted as " returned ''. Customer service rep advised their actions were in no way reckless or unethical and were in strict conformance with their documentation. When I requested said documentation, I was immediately put on hold for a supervisor, and my request was ignored.
Consumer complaint received 2021-04-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (ME)

On XX/XX/2021, a check to the Internal Revenue Service in the amount of {$2400.00} cleared my checking account, as shown in the online balance. I want to print a copy of this cancelled check to ensure that I am able to demonstrate it was paid. Unfortunately, Capital One has CEASED the functionality of being able to view or print a cashed check -- a problem exacerbated by the fact that they do not provide check images on bank statements. ( This is a Capital One360 INGChecking account. ) When I first called to complain, I was told this functionality no longer existed ; later I was told it was in the process of " being fixed. '' It's been at least two weeks and it has not been fixed. 
Moreover, when I called to ask for a copy of the cancelled check, I was told it would be mailed right out. It has been a week and the copy has not been received, which makes me question whether it in fact was sent. I believe banks that do not return checks with statements are required to provide access to images ; Capital One appears to be violating that rule.
Consumer complaint received 2021-04-24
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: EQUIFAX, INC. (GA)

ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 39 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.
Consumer complaint received 2021-04-29
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 — Problem with personal statement of dispute
Company: Continental Finance Company, LLC (CA)

My complaint is about Continental Finance Corporate Office/XXXX XXXX XXXX XXXX, XXXX XXXX, MO I made my timely regular payments and established stable payment history, without delays. Last year, I have been affected by COVID-19, pandemic. During that period of time I notified as a credit cardholder of my financial hardship and unemployment.and requested the bank a forbearance and flexibility for the repayment. However, all my requests remained ignored and the bank avoided response. They never responded to my letters and inquiries, rotated in an endless runaround. This deception, fraud and unfair practices adversely affected my credit card account and imacted my credit score, resulting in a delinquent status and being charged off. My credit card # is:XXXX XXXX XXXX XXXX with the Continental Finance. Please assist me to overcome this consumer fraud as a victim since this bank is not willing to respond to my letters and repeatedly refused to address my concerns or resolve my account related negative reporting problem. I will also contact the Treasury Department and Attorney General in addition to my speech on XXXX and through the social media. I am an innocent victim of circumstances and consumer fraud.
Consumer complaint received 2021-04-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NJ)

On XX/XX/XXXX we mailed a forbearance extension request for our CARES act XXXX XXXX mortgage loan. We noted that we are still experiencing a hardship due to COVID 19 and would like to a request an additional 3-month forbearance extension. We called to follow up with Loan care on XX/XX/XXXX regarding the extension request. We were told by the representative that she entered the application for us and that we would receive an update with in 5 days via email or regular mail regarding our extension. We havent received any update. Today we called again and were transferred to XXXX in the loss mitigation department. She advised us that the request we submitted was closed on XX/XX/XXXX. We were never notified of the closure and do not know why our protected XXXX XXXX loan forbearance is not being extended under the CARES act as it should be. We are currently in an active CARES Act mortgage forbearance plan with LoanCare/XXXX XXXX and are requesting an extension to that forbearance. Our hardship has not been resolved. We have not received any communication regarding our multiple requests for extension. We would like to receive written notice of our mortgage forbearance extension under the CARES act.
Consumer complaint received 2021-04-29
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC. (FL)

They are reporting an account that I do not recognize. The Caine and Weiner # XXXX {$800.00} and XXXX XXXXXXXX # XXXX {$1400.00}
Consumer complaint received 2022-09-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right 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 2021-04-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (GA)

My husband and I refinanced our mortgage XXXX of last year wot NewRez Mortgage services. Our old mortgage was with NewRez and new mortgage is with them. So this should have been a rather seamless refinance. XXXX was our first payment with the new account. Since our payment was auto-draft, we inadvertently paid our XXXX mortgage to the old account. Well, every since that has happened I have been trying to reconcile the mortgage with NewRez. I've been calling them every month because they continue to show that my mortgage is behind a month and I have been incurring late fees. When I call and speak to one of the representatives, they say that they see where we paid the XXXX mortgage to the wrong account but they can't move the payment over to the new account. Every month that I've called since this has been happening, they say they will mail the XXXX check to me so that I can apply it to my mortgage and solve the issue. The check is never mailed to me and now my credit score is declining as a result of the late fees month-over-month.
Consumer complaint received 2021-04-29
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: JPMORGAN CHASE & CO. (NY)

This issue began in XX/XX/2020 with a credit card charge related to the purchase of what I thought was a set of cordless power tools online on XX/XX/2020. I had ordered 2 sets of tools with a total of XXXX. The tools were to be shipped within approximately 3 weeks. 

After about a month, I called the Chase customer service number on the back of my credit card to explain my situation, and explained the I never received the tools. I had also ordered an additional 3 sets of XXXX tools the next day that were advertised on a website I was on, and I never received those either. The total for that purchase came to {$290.00}. I called on those tools as well, and did receive credit from Chase for that transaction. At that time, I spoke with a customer service representative of Chase and she submitted a dispute claim and credited my card back and told me that Chase fraud department would investigate it and that I would receive a letter with their findings. 

A day or so after I disputed the transaction, I received a small package via US mail. I opened it up and it was nothing I had ordered, nor did I even know what it was. I kept the item and the shipping packaging with the information. A week or so later I got another small item, what appeared to be a card holder of some sort that you would stick to the back of a cell phone. I saved that packaging and item as well. I also took screen shots ( with my cell phone ) of the items I purchased and am including those photos along with photos of the two items ( and the packaging ) that was shipped - as proof that I did not get what I thought I purchased. 

I followed up in XX/XX/2020 related to the {$170.00} charge and was told that the time allowance of investigation had expired, and that Chase was closing the matter and would not be reimbursing me for the charge. 

My complaint is related to Chases lack of response or follow-up to my issue. I made countless phone calls, waiting on hold for extended periods of time, and followed up with an additional submission of documentation. I made all of the effort to resolve the matter and they never followed through, and then simply said that my time had expired on the complaint and they were closing the matter. I spent time and money ( approximately {$30.00} ) mailing ( by registered mail ) the documentation related to my issue. I did this not once, but twice. I put forth all of the effort and expense and they did not honor their commitment to me as a customer. 

The CFPB is my last form of action.
Consumer complaint received 2021-04-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX is falsely reporting an account that does not belong to me and they have not removed it. They haven't sent me any information regarding why they continue to leave it on there. 
TransUnion is falsely reporting an account that does not belong to me and they have not removed it. They haven't sent me any information regarding why they continue to leave it on there.
Consumer complaint received 2021-04-29
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (NJ)

Two transactions totaling {$1100.00} I process the card payment for customer. Then my account is blocked and I am told they will no longer do business with me I can no longer access my account and it is impossible to reach anybody I talk to one person on the phone finally and they said to me that somebody would get in touch with me the email and I have sent many many emails since then nobody has contacted me back
Consumer complaint received 2021-04-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (CA)

On or about XX/XX/2021 Convergent Outsourcing, Inc contacted me via dunning letter attempting to collect a debt, by assuming I owe a debt to XXXX XXXX XXXX ( Exhibit A attached ). On XX/XX/2021 I mailed a letter request that they validated the debt ( Exhibit B attached ). On or around the last week of XX/XX/2021 I received a package from Convergent Outsourcing, Inc with countless document associated with my credit file/report which I never gave them authorization to obtain. Convergent Outsourcing, Inc is in Violation 15 USC 1681q, 15 USC 1611 ( 1 ), 15 USC 1692b ( 2 ), 15 USC 1692b ( 5 ), 15 USC 1692c, 15 USC 1692c ( 1 ), 15 USC 1692c ( 3 ), 15 USC 1692d ( 2 ), 15 USC 1692e ( 14 ), 15 USC 1692f ( 1 ), 15 USC 1692g and 15 USC 1692j ( a ).
Consumer complaint received 2021-04-29
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: EQUIFAX, INC. (SC)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 70 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-04-29
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I called Trans Union on Thursday XX/XX/2021 to dispute inquires that are on my credit report. I was informed that I was not able to dispute inquires with Trans Union and that I would have to contact the companies to get a deletion letter from them and then send it back to Trans Union. I asked to speak to a supervisor and was connected to one. The supervisor told me the same thing. I then called the Consumer Financial Protection Bureau who told me that what I was told was incorrect. If the information is on my credit report then it is able to be disputed and investigated. I then called back to Trans Union and informed the agent of what the CFPB told me. He then told me the same thing that the other agents said. When connected to another supervisor I was told the same thing as well. I was not able to get my items disputed.
Consumer complaint received 2021-04-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This statement serves as a request to remove the listed accounts and inquiries from my credit report because they do not belong to me. Im preparing for a purchase and while reviewing my credit report, I noticed several discrepancies. These items need to be removed from my credit report : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. There are also several inquiries on my credit report that need to be removed : XXXX XXXX XXXX XXXX XXXX/XXXX  US SM BUS ADMIN ODA XXXX/XXXX XXXX 

I've made a complaint with the FTC and attached it to this. I want to resolve this as quick as I can. Thank you.
Consumer complaint received 2021-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA (PA)

On XX/XX/XXXX I applied for an Apple credit card ( which is through Goldman Sachs Bank USA XXXX to get 0 % apr on the purchase of a laptop. Despite my excellent credit score, I was declined due to a bank closing my account ( I paid off student loans ) and I contacted XXXX XXXX for an explanation, I filed a complaint with them on the XXXX and on the XXXX I was called and told that they do not manually review any applications so despite the fact that I have good credit they will not issue a card. I feel that this is a discriminatory application process. I should not be penalized for paying off student loans - I am being a responsible adult in doing so. Furthermore, I am not certain that there aren't other discriminatory lending practices going on. Someone like me is likely to pay off the credit card so that I in fact to get the 0 % apr. Individuals that do not will be subjected to interest and fees. For that reason, the bank will not make money off of me. I have an excellent record on payments.
Consumer complaint received 2021-04-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CITIZENS FINANCIAL GROUP, INC. (MO)

Back in XX/XX/XXXX I was enrolled in auto pay for the car XXXX XXXX XXXX I accidently paid online and they also took their auto pay which I understand. I caught it and to stop that from happening again I stopped auto pay and decided to start using my own bank bill pay. Then on XX/XX/XXXX they got in my bank and took a payment illegally. Then they went in on the fourth and took another payment but they refunded that one but they still illegally got into my bank account. I called on XX/XX/XXXX and was told they would send a check refund. I asked why they were in my bank account in the first place. One person said they updated their system and it was an accident, another person said I went on a third party site and made a payment. I waited for the check and called again on XX/XX/XXXX. That man said they don't send checks and that they already refunded and to call my bank. My bank said there was no refund. Then my own bank sent their auto pay and they got a third payment. I ended up with two NSF fees but my bank removed one. Citizen bank XXXX XXXX XXXX loan bank ) kept telling me they already refunded. I disputed, took screen shots and they still lied. In the meantime my principle balance keeps going down and they say I don't owe for three months so that proves right there that they kept my money. I was told yesterday XX/XX/XXXX that they refunded on the XXXX, then they changed it to the XXXX and XXXX. Then on XX/XX/XXXX I got a letter in the mail from them thanking me for my payment. I've been asking for my money back since XXXX. They keep making up new lies and this has gone all the way to the chairman office. Now they say they fed ex my check when on the XXXX of XXXX I was told they don't do refund checks. They just KEEP LYING. they have taken 3 payments this month and refunded only one and caused me to go in the negatives. If they don't have my money how come my next payment isn't due until XXXX. Also I asked why I didn't start getting statements until XX/XX/XXXX and I was told that they only send statements to people not enrolled in auto pay and as you can see, my first statement started XX/XX/XXXX when I canceled auto pay in XX/XX/XXXX. Also, when I first checked my account before my fist phone call there wasn't even a bank assigned in their system so my bank, XXXX XXXX  days they were going of the account number and routing number from the checks my bank was sending them
Consumer complaint received 2021-04-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC (CA)

XXXX of 2021 I received my credit report in an attempt to verify all debts due to unauthorized / fraudulent activity. 

I contacted Sunrise Credit Services who immediately forwarded my call to XXXX who stated I owed them {$2100.00}. I have never consented nor authorized XXXX  to open an account under my name, address, social, nor any other personal and private information for XXXX  services. 

XXXX  refused to address my dispute/claim over the phone, and refused to agree to mail me information to verify this account. 

Someone is using my personal identity to open accounts under name, address, social, and other personal information as fraud.