davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-11
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

On XX/XX/2023 I filed a dispute against Walmart with Capital One over an XXXX  car battery that I purchased at Walmart. Under the law, Walmart is required to charge a refundable battery core charge which is refunded when the customer brings in an old battery to recycle. Walmart refused to return the core charge to me at customer service - I even called their XXXX number and nobody would help me, so I reached out to Capital One to file a dispute to recover the core charge. 

Capital One denied my claim when I provided all of the documentation that I had from Walmart. The problem is that Walmart commingles the core charge in with the sales tax on the receipt. I provided Capital One with my breakdowns on the receipt with the subtotal, along with the PA state mandated sales tax of XXXX XXXX. The difference in sales tax between my calculation and Walmart 's number is exactly {$12.00}, which is the refundable battery core charge. Capital One told me my claim was denied because I needed to get a receipt from Walmart with the actual breakdown. How am I supposed to get a receipt with the sales tax breakdown when Walmart doesn't respond to me or want to work with me? Isn't that the point of having credit card protections in the first place??? I also wasted XXXX cents sending my claim in to Capital One because nothing with the claims process was done online, adding more time onto the process. 

I am asking that Capital One refund me the {$12.00} that they are supposed to as it appears they did not even bother to work with Walmart to fix this issue.
Consumer complaint received 2017-04-25
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: TRANSWORLD SYSTEMS INC (FL)

My son was in  XXXX   XXXX  working and got a ticket. The truck he was driving was in my name. I have paid the {$90.00} fine and will mail in the morning. The company is Transworld Systems Inc that has been hired to collect this balance. I am  XXXX   years old an d just retired after working 52 years. I feel I have earned the right to be talked to respectfully. I would like for the young lady to be reprimanded that was so rude and disrespectful to me when she called. I have a  credit score  of  XXXX  and pay my obligations and have my entire life. I look forward to an apology at least.   Sincerely,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Fl  XXXX  cell  XXXX
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 

Thanks, XXXX
Consumer complaint received 2017-11-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO. (CA)

My wife and I were travelling in XXXX, XXXX for our honeymoon. On XXXX XXXX, 2017 we went to the island of XXXX and rented a jeep from a small vendor that approached us off the ferry. 

The jeep rental was around {$70.00}. The jeep was a piece of XXXX. We had it for no more then 6 hours that day as Tropical Storm XXXX was coming in and we had to head back early on the ferry. 

Upon returning from our honeymoon and a couple weeks later, I noticed a charge for {$1400.00} on XX/XX/XXXX. I never charged that much so immediately called Chase Bank to report it as Fraud. They deleted the charge. 

They later said since I was in possession of the card, I approved the purchase, and it 's not Fraud. 

They then sent me to dispute the claim. The dispute people did nothing to help me dispute the claim. 

I remember the vendor saying {$1400.00} is pesos, not US dollars. I was frauded out of more then {$1300.00} dollars while in XXXX. I do n't speak XXXX. I trusted my card would be protected. That someone with a XXXX machine would be a reputable vendor. 

Chase has done nothing to help me fight this and has put the burden of proof back to me. They are too lazy to protect my rights under Regulation E. 

Please fight for my rights and help me get my money back through Chase.
Consumer complaint received 2015-08-25
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: NRA Group, LLC (NY)

I received notice of collection, I contacted them for validation of debt representative verify all my information I advise this is not me he then proceeded to state that since all my information matches this belongs to me and I have to pay without no sort of proof, them having all my information correct is more then proof as he stated.
Consumer complaint received 2017-07-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Total Recovery Services, Inc (IN)

On XXXX XXXX, 2017, I contacted the XXXX XXXX Clinic in an effort to pay a debt that was owed. The representative stated that the account was closed/charged off and that they account was turned over to a collection agency. I asked her what is their process when sending the account to the collection agency. She stated that " they buy them out. '' I have not a reason to contact the collection agency in order to pay for a debt that I do not owe to them, as the original creditor settled the account.
Consumer complaint received 2017-11-07
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (PA)

Purchased my home for {$160000.00} in XXXX. In XXXX, we had modified the mortgage to lower the payments from {$1400.00} to {$1000.00}. We were able to pay that amount until just this past year. We separated, but the house is still underwater for value, so I wanted to keep it. I did another loan modification. They lowered the payments to {$850.00}, but did NOT tell me about the balloon payment until the final docs were submitted. So I stopped paying my mortgage per their instructions, made 3 trial payments, then at the end, they threw a {$71000.00} balloon payment on it. While it 's in the agreement, at the beginning, I did not know about it the whole time, or I would have said No way. But, at that time, I was 3 payments behind, and had paid into the trial, and of course there 's always the money that I already put into the house, and the fact that I did n't have a place to live. This balloon payment is so much that by the time I 'm done paying for the house in XXXX, I will have paid {$390000.00}. Which is over twice as much as the house 's initial purchase price. I do believe they had me in a tight spot, and just to get $ XXXX out of someone who works for a living is horrible. They already put my " 3 missed payments '' into the principle balance, whatever could the $ XXXX be for?
Consumer complaint received 2023-05-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NC)

My debit card was charged {$1600.00} on XX/XX/2023. I am currently banking with Chase as they are not helping that much to resolve the issue. They have denied my claim and when I called him to get iy reopen I was instructed to submit evidence that what I was claiming was true. My claim is that my phone and wallet got stolen. I did not authorize this charge for {$1600.00}. They are claiming that they denied it because I have charges that posted after the date that my card was stolen, as well as someone being someone having my card pin. I have been getting the runaround through many of their associates claiming they did not receive the documents. I had them fax twice from my personal bankers. I have XXXX. They were stating that they did not receive the fax or emails that we have sent and my bankers also stated that they have proof that they did receive the paperwork because they receive Successful submission emails from the company. They are telling me to go through the merchant, which is XXXX and XXXX has told me to go through the bank. Like I stated above, I feel as if I am getting the runaround, and I am not pleased. The paperwork they want to receive was to prove that I had to get a replacement phone and to show that the charges that were posted after my phone was stolen actually charge days before. I have submitted these documents and they are still denied my claim. They are saying I cant even go to a police to get a result. All I want is my money back. {$1600.00} is a lot of money to take a loss on and I am not pleased.
Consumer complaint received 2023-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

This contract with XXXXXXXX XXXX has been rescission and should not be on my credit report. Please remove any derogatory statements from my credit report immediately. I have attached a copy of the rescission papers.
Consumer complaint received 2023-05-22
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. (MI)

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2017-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

There are 2 public records from XXXX XXXX XXXX reporting to all 3 credit reports as paid. Under the new law as of XX/XX/XXXX paid judgements, tax liens and public records are to be removed. Docket # XXXX was paid in XX/XX/XXXX. Docket # XXXX was paid in XX/XX/XXXX. I disputed with XXXX and Trans Union to update these items has paid. Please remove these public records from all 3 credit bureaus.
Consumer complaint received 2023-02-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: ALLY FINANCIAL INC. (MD)

I applied for an Ally credit card using my XXXX credit match on XX/XX/22. After submitting my application, I received the message, " We need more time to review ''. My XXXX XXXX was immediately decreased by XXXX points. I could see the XXXX inquiry from Ally Financial XXXX on my credit report. 

I called Ally XX/XX/XXXX at XXXX am, the rep informed me she didnt have a record of my inquiry, but to allow up to 17 days for processing, and to watch for a letter or email to determine my status. I called again XX/XX/XXXX at XXXX, another rep stated there was no record of my application, or prior phone call. I asked if there was an internal department who handles these requests- I said Ally doesn't have XXXX... they go through XXXX. I requested to speak with a manager. The manager used my SSN, full name, phone number, address to attempt locating the application, but also said there is no record of my application or phone number. She said she was launching an investigation, and to call back within XXXX business days. 

I called back on XX/XX/XXXX at XXXX. The rep stated there was no record I had ever called- thus no investigation. She located an account with my name from XXXX I informed her I've never used or applied for anything associated with Ally. I am highly upset and concerned as this has significantly impacted my score, and no cares enough to follow-up, or merely document my call. I will NEVER apply for anything associated with Ally, again.
Consumer complaint received 2015-04-15
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My wife and I were victims of tax fraud. When we discovered this, we immediately did credit freezes on our credit files for all XXXX credit bureaus. We were charged for XXXX credit freezes. Per Texas law, if a credit freeze is initiated due to identity theft, the credit freezes should be free. I did not want to wait a week or more to generate a police report, get a copy and then send it in to the credit bureaus for a free report. Instead, I did the credit freezes immediately. I then requested refunds from the credit bureaus due to identity theft. XXXX issues refunds immediately. XXXX refunds are in process. Transunion, on the other hand, had refused, saying that the only way you can get a free credit freeze is by submitting a police report at the time you have requested the credit freeze. First of all, when you have become a victim of identity theft, you want to deal with it right away, and deal with the refunds later. Second, it would take up to a week to process the police report and get it to them to do the credit freeze. During that week, how many times might your credit report be used without your permission since someone now has your social security number? I believe, and will always believe, that we are due a refund. I will attempt to dispute the charge with my credit card but am not optimistic.
Consumer complaint received 2015-10-26
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Empowerment Ventures, LLC (CA)

Company : XXXX XXXX rush cards. XXXX of customers of prepaid debit cards backed by hip-hop mogul XXXX XXXX remain without access to their money more than a week after technical problems first began plaguing the cards. This has been going on for years. Back in 2012 it was income tax time, payday, and bonus check time for us. They withheld our money and froze our account. We lost access to funds. Rush Cards Stating that we had too much income coming in all at once. It was unfrozen a week or so later.
Consumer complaint received 2016-05-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: APEX Asset Management, LLC (PA)

I requested that Apex Asset management LLC provide me with proof that I requested service from XXXX XXXX the debtor they are collecting for. XX/XX/2016 I requested " A signature '' " A contract '' something so I may see my handwriting or proof of some sort that this belongs to me. The first reply I got from them was nothing more than a print out with my name, the amount owed and pretty much the info that 's on my credit report. I replied XX/XX/2016 that this is insufficient, I need a signature or something proving this is mine. 
The next reply I get from them is a list of programming from start to finish which once again does not prove to me that I ordered this service only that it 's been ordered and my name is attached to it. 
This is going over 60 days, 2 letters and 2 replied in which I requested validation and still I have none. I have requested they remove this debt from my credit reports if they can not comply with my request, it still remains on my credit reports and I still have no valid proof that I ordered this service.
Consumer complaint received 2015-10-28
Product: Prepaid card — ID prepaid card
Issue: Adding money — 
Company: Empowerment Ventures, LLC (OH)

I was paid by my employer on XX/XX/XXXX, but never rec'vd my funds to my account. After ten ( 10 ) days Rush Card has still yet to release the funds as they are ... and i quote, " trying to locate my account in order to post my funds. I 've had the same deposit information on file with my employer for Rush Card for XXXX months now as well as I 've had the same account since XX/XX/XXXX ... how is my account invalid. I have an eviction, disconnect on utilities, phone bill, storage fees, cancellation of my car insurance which I have to carry XXXX. I NEED HELP!
Consumer complaint received 2017-11-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: MID-ISLAND MORTGAGE CORP. (NY)

I have recently made a XXXX payment to mid-island mortgage to bring my loan current. There is evidence to make me believe someone at the company is trying to rewrite my loan to get paid commission. I have a property inspection fee on my most recent invoice and have just received paperwork to modify the loan. Repeated calls to the company have resulted in hours on time on their automated phone system. I have no intentions of modifying the loan. Mid island mortgage is illegally trying to modify my loan and committing fraud.
Consumer complaint received 2017-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (AL)

Equifax report shows a hard hit from XXXX telephone services located 750 miles from where I live on Sunday XXXX I have called XXXX in XXXX XXXX Florida multiple times and they will not tell me if someone fraudulently used my info. to obtain services and or goods. I live in XXXX  XXXX Alabama 750 miles from XXXX. They also offer no help in removing the hard inquiry from my credit. Equifax also refuses to remove it even though they admit they do not believe someone who lives XXXX miles from a location would be attempting to get services in that location. Someone is using my info. or they searched the wrong # by error. I do not know which but neither company will help me. XXXX you understand does not offer services anywhere near where I live. And I certainly have made no trips or calls to this company. Please help..
Consumer complaint received 2016-10-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

1.Trans Union had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries be removed : XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX is reporting XXXX XXXX mortgage payment as late, this payment was made on XXXX XXXX XXXX
Consumer complaint received 2017-07-30
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. (TX)

This complaint is a part of and continues the matter of controversy under CFPB Complaint Nos.  XXXX and XXXX. Equifaxs response is incomplete and insufficient as it fails to answer the threshold question : 1. Whether their purported verification included validation of the fact that I had debt cancellation insurance coverage on the credit card accounts in question during the periods in question that, upon the filing and payment of my insurance claim resolved any alleged delinquency, retroactive to the date of the alleged delinquencies, and therefore there were no delinquencies upon said credit card accounts.
Consumer complaint received 2017-11-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I was hired to XXXX a XXXX job and deposited the customer 's check into my account on XXXX XXXX, XXXX and as of XXXX XXXX, XXXX three holds have been placed on the check. The issuing bank stated that the check was paid on their end and there was no problem with the check. I have a {$35.00} dollar fee for an insufficient check in the amount of {$500.00} when funds are being held in the amount of {$6800.00} that was already released to XXXX XXXX XXXXXXXX from XXXX XXXX XXXX. I also had a {$100.00} hotel deposit from XXXX XXXX XXXX that was released back into my account that disappeared on last week. What happen to my {$100.00} dollars? I feel that Bank of America is in violation and need to be investigated!
Consumer complaint received 2020-04-22
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I am simply requesting the removal of ( XXXX XXXX XXXX XXXX ) from my Experian credit report because the date last updated was on XX/XX/XXXX even though this account was disputed in XX/XX/XXXX and in XXXX of XXXX This is a fcra a violation for not following through with a sufficient reinvestigation. 

Please see attachment
Consumer complaint received 2015-04-23
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

I have a Veteran Loan backing with PennyMac Loan Services , LLC. 
PennyMac has in escrow my money to pay my property insurance. 
PennyMac did not pay my property insurance when due. MyProperty insurance had expired & PennyMac will not pay the inpoundmoney for the property insurance.
Consumer complaint received 2017-11-07
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (CA)

In XXXX XXXX, I purchased a {$1200.00} vacuum from XXXX XXXX in XXXX. XXXX XXXX XXXXXXXX, Home Design Division financed it with a 24 -month zero interest promotion and gave me a monthly payment of {$25.00} which I assumed was the correct amount needed for pay off. However, the monthly payment to get zero interest promotion was {$49.00}. which, of course, we could have paid. 

I 'm a senior and I do all banking and payments online, so I was never late. Synchrony failed to inform me by email that the promotion was expiring, as PayPal does. Suddenly in XXXX XXXX, {$790.00} in interest was added to my balance. So, for a {$1200.00} item I now owe {$1100.00}! The interest abuse comes in two forms. Usually, when a promotion ends, you start paying interest at that time on the next statement. They added two years of back interest onto my bill. Secondly, the interest rate is 29 %, so my now $ XXXX  monthly payment has {$30.00} in interest charged. The statements on their website can only be viewed. No link to download them. 

Once I realized this had happened, I contacted XXXX XXXX three times speaking not only to customer overseas service reps but also to U.S. based managers. No one would help me. I called XXXX at XXXX XXXX who was appalled. She gave me her merchant telephone number, but it was the same one I had. I tried to file a " concern '' at the bank website, but the concern field always was always " invalid. '' There is no number for a corporate customer relations representative at Synchrony headquarters in Utah. I hope you can help me. I dont know where else to turn.