davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Continental Services Group, Inc. d/b/a ConServe (FL)

I am writing to report an action of a company. The company Conserve they are handling a debt I owe. I 'm writing this because I was treated unfairly. I was never given a notice. Which in this notice states I has the right to challenge or make a payment arrangement. Some how they sent the notice to wrong address I have n't lived in in years. I contacted the original debtor. I told me they did have my correct address. I informed the company Conserve sent the notice to my old address. I said they had the new address for awhile. The biggest problem is when I informed Conserve. That i never got the notice. I was meet with attitude and bad business ethics. Conserve said it was my fault they had the wrong address and not their in a very angry and discomfort way they told me. As if they was saying we do n't care what we did. The confusing is Conserve some how had my current employer address correct. But had my current address wrong. I started working for this company while after I moved. It seems to be Conserve did this so I could n't fight the claim. I would n't had thought this if someone would had said sorry we had the wrong address. But instead they made it seem like it was my fault trying to be little me or bully me into saying nothing. I felt a lot of discomfort. I felt I like I just got bullied into something and had not control. Cause I was never given my right to settle or make a payment arrangement. I told Conserve they they do n't show up on my credit report. They informed me that they would n't show up. This is what scarred me an outside party is collecting something and there is no paperwork on my credit report of them. I felt like i was be even more bullied. And that the none notice was intentional to collect on a debt before I could stop it. I filled out all their requirements to have the debt lifted. I was told I could fax it in so I did. They said they sent it off to the original debtor to go over to see if the debt can be lifted. I was told I could send in extra information. I sent in extra info later. So I called and was informed they they do n't know if the extra info would be used. They just told me that it would be. So I ask is it a way I can check on it. They told me no. That they do not know who is handling the debt. They just sent it off and wait. I have no clue if they really sent it off or not. They had my address wrong and something do n't seem right. I do n't trust them. They said it can take two months to hear something. I do n't feel it really takes that long or they just stalling. I just feel helpless and looking for some help.
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2016-12-02
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

In XX/XX/2016 I noticed a charge to XXXX in the amount of {$390.00}. Immediately I called Capital One customer service to report I did not purchase a ticket on XXXX. The customer service representative cancelled my credit card and issued me a new card. I received multiple letters stating I would not be held responsible as I reported the claim as fraud on my credit card. Last month in XXXX, I received a phone message to call XXXX in fraud protection at Capital One. I spoke with her over the phone and I told her numerous times, this CHARGE to XXXX was NOT MINE. After that conversation I received 2 letters on the same day. One letter stating the issue was resolved and I would not be charged for the fraud charge. The second letter stated I am responsible for the charge because Capital One has me on voice recording stating I made the charge. I called and spoke with 3 managers explaining I would never have said the charge was mine, because it was not. They refused to give me a transcript of the taped phone call. I have written a complaint letter to Capital One and I am waiting to hear from them. I ca n't believe I am going through this with Capital One. I have been a customer for over 15 years. I always paid my bill on time every month and I was fortunate I have not had fraud on my credit card until now. I can not believe they would treat a customer with an outstanding credit score, like mine in this way. I am asking for your help to resolve this issue. All I want is for Capital One to honor their initial decision to remove the fraudulent charge from my credit card. The charge of {$390.00} is currently due on XX/XX/2016 and it is not fair I have to pay for a charge which is not mine. Thank you!
Consumer complaint received 2015-03-25
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: General Motors Financial Company, Inc. (DC)

in XXXX XXXX my co-signer assisted me with a loan from GM Finanicial. in XXXX XXXX she was declared XXXX in the XXXX XXXX probate court and issued a guardian the guardian wants her off the loan .GM finanicial refuses to release her from the contract. she did not make any payments on this loan, I have been the sole party responsible for the payments and I will continue to make the payments. she is a ward of the state now and should be released from this contract.
Consumer complaint received 2016-07-19
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

In 2012 I got a divorce. Bank of America was giving me the run around about how to get my name off the title and the loan, since it was under my ex husbands VA loan. Finally after 3 years I was able to talk to the VA and I was able to do a quitclaim Deed. Once I sent that into BOA I was informed that all of the BOA information would be taken off my credit. This is still reflecting on all XXXX of my credit reports, and killing me. I have called BOA multiple time and no one can tell me why it 's still on my credit because my name is off the loan completely. Between getting ready to XXXX from the XXXX and trying to buy a new house do to expanding my family this procedure has been a nightmare. Please help me in this matter. My ex-husband has continually been late on the mortgage.
Consumer complaint received 2015-09-25
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: General Motors Financial Company, Inc. (MO)

In 2006, I purchased a used vehicle from XXXX XXXX in XXXX XXXX Florida. I used a lender refereed by the dealership, GM Financial. 
I was told that interest would be accrued monthly. However, the interest was accrued daily. The loan was roughly {$8000.00}, and the monthly interest was outrageous. I had no choice, but to use 100 % of my student loans to pay off this loan early. I was stuck in, what I believe to be, a predatory loan for around one year. 
I 'm not sure if I can be helped due to statue of limitations. I 'm sure I have thrown away most, if not all of my literature from the loan. My hope is that this loan history might be archived online.
Consumer complaint received 2017-02-02
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

I wrote a check in the amount of XXXX, check number XXXX, on XXXX from my Capitalone 360 checking account. A deposit made on the same day in the amount of XXXX should have covered this check. However, the account was charged a finance charge on XXXX, after I wrote check and deposited it to my XXXX account. The finance charge appeared today, XXXX, in the amount of XXXX. Prior to this, a funds transfer in the amount of XXXX posted on or around XXXX, bringing account to a XXXX balance. The account was overdrawn for quite sometime and there was an overdraft line of credit in the amount of XXXX, it appears the line is now down to XXXX, according to reps spoken with today. Please note, I did not receive any notice overdraft line was closed and or brought to XXXX. The only notice I received advised me the account could not be used until its brought to a positive balance, it is currently XXXX positive. I need overdraft line reinstated and check paid with no overdraft fee to resolve this
Consumer complaint received 2016-07-26
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I made a {$500.00} payment to my daughter 's capital one credit card on XXXX XXXX, 2016. I told the rep that I wanted it to be a surprise. When my daughter saw the payment reflected on her credit card, she had it returned to sender on XXXX XXXX, 2016 because she did n't know where the payment came from! When I spoke to her again that weekend, she said she had it returned on XXXX XXXX, 2016 because she did n't know where it came from. Anyway, I called capital one on XXXX XXXX, 2016 and spoke with a rep named XXXX. He said it takes XXXX calendar days for the " wait period '' and another 3 working days for accounting to return it to me account. Therefore, my {$500.00} should have been back last XXXX XXXX, 2016. I called capital one again on XXXX XXXX, 2016 and spoke to a rep named XXXX. XXXX said she can not help me without my daughter 's permission and referred me to her supervisor, XXXX, with ID # XXXX. XXXX said she can not help me without my daughter 's permission so I gave her my daughter 's phone number. After having me wait about 30 to 45 minutes, XXXX told me that she can have my {$500.00} back to my debit card in 3 business days which is XXXX XXXX, 2016, according to XXXX. When I called on XXXX XXXX, XXXX did not give me the excuse of having to have authorization from my daughter ; and besides the {$500.00} does not belong to my daughter. All information is in the system of capital one, but XXXX and XXXX chose to give me a difficult time and the run around. Definitely POOR CUSTOMER SERVICE!!! This makes me think that capital one is trying to use MY MONEY FOR THERE ADVANTAGE because of people you put on the phone like XXXX and XXXX.
Consumer complaint received 2015-07-12
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

Credit Card was lost prior to business trip. I reported lost and then later reported charges that were not mine. They are XXXX charges, XXXX for {$130.00} from safeway, XXXX for {$10.00} from safeway, and last one from XXXX for {$13.00}. ( posted XXXX and XXXX 2015 ) Capital One did nothing to actually investigate the issue. They instead made up there minds immediately that the charges were valid. I was sitting in an airport or in another city when these charges were reportedly made. Capital One was negligent and refuses to do anything.
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (NY)

Each XXXX/Navient representative I 've dealt with had always highlighted some " error '' that the previous representative made, while I 'm the one who bares the hardships of their actions. From incorrect interest assessment, conflicting due dates, lumping accounts together but having one separate for whatever reason, assessing my income and expenditure and deciding that I can pay much more than my most reasonable suggested amount. I 'm committed to repaying all my loans but not under the duress they 've have me under for the past year.
Consumer complaint received 2016-03-13
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: SYNCHRONY FINANCIAL (TX)

Syncb/Care Credit, I have tried 3 times to fix this on my credit report. I have never received confirmations of this debt. I was told it was transferred and or sold to another debt collector. I was told to call other phone numbers that I cant leave messages at or talk to representatives about. Nowthey have submitted a Charge-off as bad debt comment in my credit reports.
Consumer complaint received 2015-12-09
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

See attached letter of XXXX/XXXX/15 from me to Bank of America for more detail. On XXXX/XXXX/15 I answered an internet ad for a sample of a product that was advertised as free except for a shipping charge of {$5.00}. I provided my XXXX card number for this charge ; but, when I received the credit card monthly statement there were charges for not only {$5.00} but another charge for {$1.00}, also supposed " shipping '' as well as XXXX products charged at {$89.00} and {$85.00}, totaling {$170.00}, which total later somehow became {$230.00}. I immediately telephoned XXXX card member services, and the agent said these charges would be placed in dispute and credited to my account. The next billing statement still showed the disputed charges as {$180.00}. I called XXXX again on XXXX and was told that this amount would be credited and a check would be issued to me for {$53.00}, supposedly for an additional credit, and that the account balance was then XXXX. However, I then received a letter from Bank of America dated XXXX saying that the vendor did not agree to this and requested " documentation '' from me such as a " date you canceled with merchant, '' " their response, '' " proof, '' " date merchandise returned, '' etc. Bank also required me to sign and return their letter if I still disputed these charges, and I did so. Bank 's letter and my response were faxed to them on XXXX/XXXX/15. Then in a letter with postal date of XXXX/XXXX/15 Bank of America said that the vendor of the second item disputed the credit to my account and requested the same type of information and return of Bank 's letter by XXXX/XXXX/15 indicating whether I still disputed the second charge. I intend to do so and continue to dispute the charges, providing the same response that I provided on XXXX/XXXX/15. I have complied with XXXX/Bank of America 's requests in addition to contacting the so-called merchants about these disputed charges. Today I tried to research the merchant and could not reach their XXXX XXXX office by telephone. The person answering the number I telephoned merely transferred me to a line that provided for only a recorded message. It 's apparent to me that the so-called merchant ( s ) are merely fraudulent scam artists and that Bank of America is aiding and abetting their scam. This constitutes harassment, and I request your help to stop it.
Consumer complaint received 2015-03-24
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BARCLAYS BANK DELAWARE (CA)

I have been a XXXX XXXX XXXX for 4.5 years and my identity was stolen last year. The thieves obtained a credit card from Barclay which they used to rent and steal cars XXXX miles away in XXXX California. I have provided tips to law enforcement, leading to seizures of some of the thieves ' equipment, and the police have video surveillance and XXXX suspects in custody, caught in a stolen vehicle with many fraudulent IDs, including some for me. I have provided this information and the police report to Barclay and XXXX in multiple disputes since XXXX. I recently mailed a dispute to Barclay and requested all documents relating to this account, including a list of all charges and payments made, all investigative findings, when they contacted the law enforcement contacts I provided, and how and when they verified any and all information, as is my right under the FCRA. However, they have refused to provide me this information and are thus in willful noncompliance with the FCRA.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Accounts on my credit report have been linked to identity theft without my proper authorization, including a signature. I've already discussed this matter with your organization, and I'm formally requesting the swift removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue isn't resolved appropriately, I'm ready to take legal action to protect my rights and seek a resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as buying a home and providing for my family.
Consumer complaint received 2016-04-18
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (CT)

XXXX XXXX, XXXX Consumer Financial Protection Bureau ( CFPB ) Dear Sir or Madam : Please see attached for the full details along with previous case/complaint number XXXX. 
As indicated in the initial dispute filed against XXXX in XXXX XXXX and in the subsequent letter in XXXX XXXX, this XXXX/XXXX account was requested to be closed in XXXX XXXX and a final bill was never issued although repeated attempts to obtain final bill were made. XXXX has been contacted via the telephone and in writing numerous times. XXXX/XXXX continues to be uncooperative. 
XXXX/XXXX admitted to sending personal, private, financial information to the wrong address and some unknown email address for over nine months. They also admit to allowing someone to gain access to this private account information online for over nine months. XXXX refused to provide the incorrect address or the incorrect email address without a court order ; however, their collection agency, XXXX, XXXX, and XXXX, XXXX provided the incorrect address. This incorrect address is now appearing on the customer 's credit report with all XXXX credit bureau agencies. While the incorrect email address is still unknown, the incorrect address is : XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX refuses to issues invoices to the correct address and refuses to accept responsibility for their actions. They reported incorrect information to XXXX different credit reporting agencies which is still in the process of being resolved well over a year later. They have caused a lot of unnecessary delays and issues. They continue to harass us with various collection agencies, including the latest agency, XXXX XXXX XXXX. 
First, this account should not be in a collection status. Any and all issues are XXXX 's fault not ours. Secondly, we have called XXXX - many different departments within their organization - to no avail. We 're not calling them anymore. At this point, everything needs to be in writing.
Consumer complaint received 2015-11-11
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (TN)

In their response to complaint XXXX, Springleaf Financial made several statements which I proved to be false with documentation from XXXX Mortgage. 
I signed statements with every complaint that all information I am giving is true, and I believe that it is a criminal offense to knowingly give false information. 
Springleaf gave false information regarding to speaking with XXXX XXXX about the status of my loan with XXXX XXXX XXXX stated in writing, which I submitted to the CFPB, that they had NO communication with Springleaf. ). Springleaf had to know this information was false when they responded. 
There are other instances ( how payoff was obtained ; faxed to MY attaention at Springleaf 's fax number, etc ) which also call many legalities into question, but the first instance is already documented.
Consumer complaint received 2017-01-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CITIBANK, N.A. (TX)

THIS AMT OWED {$8800.00} WAS TO BE PAID UNDER XXXX INSURANCE, WHICH I PURCHASED AND WAS PAYING FOR, AT THE TIME I REQUESTED THE LOAN. XX/XX/XXXX, I WENT OUT ON PERMANENT XXXX AND HAVE BEEN RECEIVING BENEFITS FROM SOCIAL SECURITY SINCE XX/XX/XXXX. THE LOAN COMPANY WAS NOTIFIED OF MY XXXX AND THEY WERE SUPPOSED TO SUBMIT A CLAIM FOR THEIR MONIES.
Consumer complaint received 2016-12-08
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (MA)

I had a loan with OneMain Financial that automatic payments were taken out every month, it was always paid on time then the XXXX to last payment they stopped automotic pay on there own. I called and set up the last XXXX payments. XXXX payment was taken out and apparently the other payment never got taken out. Several months went by and I called them on XXXX XXXX after looking at a statement I received showing a payment do. It stated to call or mail payment to them by XXXX XXXX. I called and they are refusing to take my payment because the have sold the debt and wo n't take the payment for 30 days. I am trying to get a loan and no longer can get the loan because I ca n't show proof I have paid it off because they are refusing payment. Can they refuse payment for 30 days?
Consumer complaint received 2016-08-16
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (MI)

Background : In 2012 I received XXXX, from Chase, in the amounts of {$2900.00} and {$4600.00}. I claimed the amounts on my taxes as income. The XXXX says the " lender has discharged ( cancelled or forgiven ) a debt you owed ''. Chase continues to report the account : * as having a balance of {$5900.00} and {$3900.00} Problems : 1. The balances are inconsistent with the amounts on the XXXX 2. It is painting a picture that the debt is still owed. I have paid taxes on it and Chase has claimed it as a write off for tax benefits. 
3. As a result, I have had to pay increased interest charges. 
4. I have been turned down for credit as a result of this reporting. 
If I received a tax form indicating that the amount was " cancelled '', I paid taxes on the amount, and Chase received a write off for it, it is unfair that it is not reporting a {$0.00} balance. If I paid off the account, then I would be paying more than what was owed because I paid the amount, plus the income taxes on it.
Consumer complaint received 2016-01-04
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (CO)

Without Notice Citicard expired {$300000.00} worth of " Thank You '' points on my credit card account. I have paid my bill in full for over 20 years. 2012 I had over XXXX points and then come XXXX XXXX without notice they started expiring them. Since 2012 I continued to earn points racking up another {$200000.00} worth of points. I learned this pas Sunday that instead of the over XXXX points they owed me I had only XXXX points because that had expired XXXX points. Never on any credit card statement was I given notice the points were going to expire. Never was I sent a letter that the points were going to expire. Up to XXXX 2012 they never expired. But then they started taking them away. I have waited to reach enough points to take my family to XXXX and now that dream has been dashed by Citibank 's fraudulent methods. These were called " Thank You '' points. After being a customer over 20 years this is XXXX away to say Thank you.