davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-06
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I ordered a Supplement thru a company called XXXX that was offering a vitamin for {$5.00} trial time. I ordered the supplement using my Capital One Card. The next month I saw a charge for XXXX on my card and hit the roof. I called Capital One and told them I did not authorize this charge. They cancelled the card and sent me another one, with a new account number. Next month I saw another charge for the same amount. I hit the roof and called and capital One again complaining. I asked how they received my new card number and charged my account without my authorization. Capital one told me " XXXX Has An Agreement With MasterCard to Allow Them To Do This '' I told them I wanted the account suspended and no more charges to be authorized on it. I was hung up and then placed on hold for 2 1/2 hours for asking to speak with a manager. After, getting even more angry. They have added another charge for the same thing this month of over XXXX. It was called a chargeback.
Consumer complaint received 2023-04-27
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: EQUIFAX, INC. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax credit bureau must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The item need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/2021 Balance : {$9400.00}
Consumer complaint received 2016-12-13
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Capital360.com bank cancelled my payment check without my consenting. 
Here 's the online banking info. I quote, " Pay From XXXX Amount {$3100.00} Send On XX/XX/2016 Withdraw On XX/XX/2016 Category CHECK DELIVER BY XX/XX/XXXX Confirmation XXXX Payment canceled XX/XX/2016. 
" I found out the payment check was cancelled 30 days late, only after my payee asked " where is the check? ' I asked Capital360 bank why my check was canceled without my consenting. 
The bank argue, they tried to call me but I did not pickup the phone. So they just go ahead cancelled the transaction, for whatever they think is necessary? is it legal at all? Do they have to officially inform me, neither before nor after, for the action could cause serious damage? 
I asked the record that shows they called and left a message. They do not have it. 
I have email, cell phone and XXXX address in my account. 
The least Capital360 can do is send me an email, a letter or follow up calls to inform me what had happened. 
I had saved a copy of the entire online chat for future reference. 
Thank you very much. 
kf
Consumer complaint received 2023-04-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The following inquiries are fraudulent and were not authorized by me. 
XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX ) XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX ) XXXX  Inquiry : XXXX XXXX, XXXX XXXX ) XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX
Consumer complaint received 2023-04-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENCORE CAPITAL GROUP INC. (OK)

Midland credit and XXXX XXXX.which is the same account. Are trying to charge me for account that is not mine. I've told them called. Disputed them multiple times. And they still say it's my account. Impossible. Me myself don't believe in nor ever had an open credit.card.and the one I did have was shut down cause I never used it.i pay cash for everything. No bank accts.no savings. None of that.these companies. Refuse to work. This.out just keep saying I owe. And I dont.midland credit. Called my phone.it seemed liked 10 times a day.ive blocked them.but yet they still harass me from other # .I 'm tired of this.they have got the wrong person.common since.
Consumer complaint received 2015-04-22
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: Accounts Management, Inc (SD)

I had a payment plan on medical bills owed starting XXXX they stated they have several other accounts linked to me for a total of little over {$3200.00}. I at that time set up payment plan on the account to pay {$150.00} every 2 weeks on Debit card which started in XXXX & continued thru XXXX in which my card had expired I then called & spoke to XXXX asked for my balance @ the time & my balance had increased to a little over {$3400.00}, I asked how it increased paying {$300.00} a months she said the intrest is 1 % per account & I have XXXX accounts with them, I advised her I did not have XXXX accounts @ that time I advised I was willing to make payment arrangements but I want a individualized billing if charging fee 1 % per account she refused I asked for manager she refused sd XXXX was not availabe asked for a mgr to call me back I never received a call back I also never received individual billing either I on XXXX received a notice that if I do not arange payment they will forward to litigation, on XX/XX/XXXX I called spoke with XXXX XXXX I asked for exact date of speaking with prior rep XXXX on the account in XXXX or XXXX she said no record of speaking to me around that XXXX & nothing for conversation she completly disregarded my questions & concerns & advised me now that my balance is {$3500.00} I again tried to advise XXXX XXXX of my concerns she refused individual billing that is not how they do things thier I advised to speak to mgr I spoke to XXXX XXXX who stated was a manager I again asked for individual billing advised her they are linking incorrect & over charging she to refused to listed to what I was trying to explain to her & said that I was cutting her off from answering my questions said they ony submit XXXX bill with a list of providers & intrest is billed per account. I again advised her willing to make payments on the account when I get a individual billing for each account they state they have in their office she refused she stated I was over talking her so she could not answer my questions she said is forwarding to littigation they cant wait forever for payment on account.I have been denied a individual billing of accounts they state they have listed in their office ( that come over individually ) even after I had been paying them {$300.00} plus a month my debt the state I owe increased not decreased
Consumer complaint received 2023-04-08
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-04-27
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION (NC)

Truist incorrectly applied late fees and reported my mortgage as late in XX/XX/2022 to the credit bureaus. After bringing the issue to the attention of Truist, I was assured in writing that the correction would be made and the fees removed. Despite continued assurances, neither has been corrected and this has been extremely damaging to my financial well being. I am happy to provide all documentation showing where Truist stated this would be corrected and where it still sits on my credit to this day. 

Truist continues to assess late fees every month PRIOR to the date the mortgage is considered late and then reverses the charges a few days later. This practice is deceptive and causing many errors and inaccuracies in my account, as well as hours of my time wasted. Letters are physically sent to my address daily saying that my mortgage is late when it is on time, and emails continue to be sent stating the same. If I have until the XXXX to pay my mortgage, I should not be assessed fees until the XXXX XXXX on XXXX of the month. Truist continues to be inaccurate with my account despite my payments being on time every single month. This is beyond harassment. I am happy to provide documentation and look forward to hearing back in a timely manner.
Consumer complaint received 2023-06-07
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Bridgecrest Acceptance Corporation (NV)

Bridgecrest financial has now repossessed my vehicle illegally XXXX times. The first time they had a no late payment and took it leaving me without a vehicle for over a week and reported illegally to my credit about a repossession. The second time they would not allow me to make any payments after they returned my vehicle. They did not contact me. They did not allow me to speak with any representative as well as they blocked me out of my online account to be able to process a payment. They have denied my right to pay my payments by not accepting payments after they returned my vehicle the first time. They have caused me financial and emotional distress and have caused me to lose work due to them illegally taking my vehicle multiple times. They have also stolen multiple controlled substance pills from my vehicle both times it was repossessed as well as stolen money that was in my vehicle both times.
Consumer complaint received 2023-04-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

submitted a complaint with Bank Of America. They had charged me a late fee of {$49.00} twice, once in XXXX and once in XXXX. The reason for the fee is when I paid my bill due by the due date- which was {$200.00} and I paid {$200.00} in XXXX and {$250.00} in XXXX when i paid {$250.00}. When making the payment there was not a warning that I was XXXX cents or XXXX cents short. I made the payment by the due date. So the charge was once day later as well. Upon submitting my compliant, a XXXX XXXX took weeks to respond, called me once and didn't return my call. And sent a letter stating he would not be refunding me the money. 


Bank of America should not be able to charge {$49.00} when the bill was paid on the due date. They shouldn't have a late fee for anything less than a dollar. I hop the cfpb will take action to audit this business practice.
Consumer complaint received 2016-02-12
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: LAND HOME FINANCIAL SERVICES (CA)

I started out with Landhome Financial Services about 2 months ago The agent`s name is XXXX XXXX and the complaint is about this individual. He was referred to me by the owner of the property. The owner is also the buyer and the real estate agent for this property. His name is XXXX XXXX. At the very beginning XXXX relayed to XXXX XXXX that I can only qualify for XXXX This was not relayed to me. XXXX kept dragging the situation never telling us whether we would qualify for the loan which is held at XXXX. and also never telling me that we would not qualify. Next I was suggested that I should find another job which I did but had to resign after 2 weeks as the job was not on par with my qualifications i.e. the job entailed me XXXX 5.5 hrs for 4 nights a week. I am a XXXX and our XXXX is very much restricted to at most 9 hrs per week. This coupled with a XXXX and being in XXXX I had to resign. I was grilled by XXXX and XXXX as to why I resigned when they were so close to closing. XXXX XXXX advised me to find another job and quit after securing the loan which is a fraud. I have to apply for a job in the academic market which has its own timing so I refused to look for a job and wait until the academic market opens up again. 
XXXX and XXXX also informed me that the property needed some repairs and such should be included in the loan amount which then makes it a XXXX. XXXX called his agents to make an appraisal and came up with this price. I objected to this and told XXXX that I do not want to pay a larger tax and interest and I would rather pay for the repairs out of pocket which I never received any bills for. In addition I received an email from my lawyer in XXXX that notified me of a deed as per a land sale. Under legitimate conditions the translation is done via the XXXX XXXX XXXX in XXXX XXXX via sworn translators who have the permit to operate in the US. XXXX got this translated via google translation which naturally came out as a nonsensical set of words that have no legitimacy. I was in the process accused of lying as well. 
XXXX XXXX also allowed us to stay in the property until the loan is closed as we were lead to believe that this would close. Now the interim contract is about to expire and the purchase contract which is signed is also about to expire. We are also told by XXXX that he advised XXXX to list this home after all to be sold in the market rather than selling this to us. I dismissed him from this job but now XXXX is still interfering with the process. I also have the emails from XXXX asking us to leave his property right now. This is the type of greed that collapsed the housing market in the U.S. I am not sure if the loan officers and the real estate agents are scrutinized.
Consumer complaint received 2023-04-09
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. (MT)

I opened account in XX/XX/XXXX with XXXX XXXX XXXX for a used SUV. On XX/XX/XXXX I moved across the state and ended up defaulting on the loan as a result of an incident involving XXXX XXXX from an ex boyfriend. Sometime near the middle of XX/XX/XXXX, a guy showed up at my residence and hooked up his vehicle to my SUV associated with the account from XXXX XXXX XXXX, said he works with XXXX XXXX XXXX and took off with my SUV. I never received any communication from XXXX XXXX XXXX as to the repossession of the vehicle. Nothing. Then I notice sometime later on my TransUnion credit report the account with XXXX had been reported on as current ; paid or paying as agreed and listed under " satisfactory. '' The account was never reported as " repossessed. '' But I noticed a second account from XXXX XXXX XXXX was opened in the middle of XX/XX/XXXX, after I had moved across the state and there being no communication whatsoever with BSF. It stated the " last payment made '' was in XX/XX/XXXX. I knew absolutely nothing about this account let alone having made ona single payment on this account! I noticed this second account was stemming from the initial account I opened with XXXX  XXXX XXXX XXXX took the vehicle..had the vehicle in their possession yet fraudulently opened a second account in my name and expected payment on a vehicle they repossessed! After several years, the initial account was closed then XXXX sold the fraudulent account to a debt collection agency, XXXX XXXX, as seen on my TransUnion credit report. In true fashion, as with XXXX I never received any form of communication whatsoever from XXXX XXXX as to the account they acquired from XXXX XXXX XXXX. Then on my credit report, it shows the total owed to these two companies is more than {$12000.00}! To me trying to comprehend what the heck is going on, it appears I now owe more than {$12000.00} to two different places for a vehicle that XXXX took back possession of. I refuse to take responsibility for these 2 accounts because first and foremost, I do not have the vehicle anymore, essentially it was involuntarily given it back. And second, I didn't open a second account with XXXX XXXX XXXX to sell to a debt buyer. As far as TransUnion goes, I can't seem to get anymore to update my correct information including my current name.
Consumer complaint received 2023-05-20
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. (LA)

I am writing to request the immediate deletion of certain information that is being reported on my credit file, which is in violation of the Metro 2 Credit Reporting Guidelines. The inaccurately reported information is causing significant harm to my credit standing and financial well-being. I kindly request your prompt attention to this matter. 

*Accounts not verified, Dates Reported inaccurate, Dates of last activity inaccurate, accounts shows a balance owed on a charged off account.dispute status inaccurate
Consumer complaint received 2021-02-04
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: EQUIFAX, INC. (IL)

Filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. 

Initial dispute XX/XX/XXXX 30 day demand XX/XX/XXXX
Consumer complaint received 2023-04-08
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NV)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data XXXX  and may have got into the hands of the wrong person.
Consumer complaint received 2023-04-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CITIBANK, N.A. (MD)

A person sent me 2 fraudulent checks of XXXX dollars and they scammed me. This girl first dmed me on XXXX and said she wanted to paint a picture of me and in return I would get some money for it, and she said her client would send me a check to deposit. This person sends me the check on XX/XX/XXXX, and tells me that I dont get to keep all of it and will have to send some of it back. I send it back, which was the XXXX but as a result I got scammed and this person wouldnt stop spamming me and they were threatening me and harassing me to send their money back or they would hurt me and my family, so I just wanted to give their money back, and as a result my account is now XXXX dollars and I am only XXXX. I was crying so much because I didnt know what this person was capable of or doing which is why I just wanted to send them back their money but it was a scam and I shouldve known.
Consumer complaint received 2023-04-27
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: SYNCHRONY FINANCIAL (WA)

I bank with XXXX and use online banking and their credit reporting page to monitor my credit. I received two alerts through XXXX about credit inquiries that happened on XX/XX/2023. 
The inquiries came from : " XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Services '' I called XXXX and opened up a complaint through them letting them know I did not recognize these and had not tried to open any new lines of credit. 
They were able to shut down the XXXX card services one since that was with XXXX, but they advised me to call XXXX to start the complaint process for the other. 
I called XXXX on XXXX, and they have started a complaint for me to delete the other inquiry. They put an alert on the three credit bureaus as well. I intend to upload this complaint to the XXXX site, and call Synchrony to dispute the XXXX XXXX XXXX XXXX and make sure that there is no account open with them.
Consumer complaint received 2023-04-27
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. (NY)

I was looking through my credit reports from XXXX XXXX and TransUnion and I noticed my information was on the XXXX XXXX accounts I never applied for some one using my identity XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-08
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: Tesla, Inc. (FL)

I bought a car on XX/XX/2022, on the very same date the car price dropped by XXXX $ as I have the cashier check the dealer said once the check has been cashed they will mail me a check of XXXX $ but it's been 4 months I haven't got any money from them went to the dealer 3 times every time they will come up with a new excuse and they will make me wait in lobby for hours without any proper response. 

As I took XXXX loan I am paying interest for this XXXX $ dollars and it's been 4 months