davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-07
Product: Credit 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 (FL)

Capital One business credit card offers payments to vendors on their website through a partnership they have with XXXX. 

Capital one is the largest stakeholder and investor in XXXX. 

We've made some payments through this system. But the vendors never received the payments. Now we are trying to get refunds for the payments and the processing fee, but they will not refund us. 

I even got an email from XXXX stating that if we released the dispute, they will release our funds... It's doesn't even seem legal? 

Every time I call capital one, they tell me to call XXXX even though the service is offered through capital one, And capital one is the largest stakeholder and investor in XXXX. 

I don't see how they can keep the processing fee of a transaction That was never completed... And I don't see how they can offer us to give us the money back if we cancel the disputes??
Consumer complaint received 2024-06-07
Product: Credit 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 (CO)

We purchased sixty ( XXXX ) XXXX controllers from XXXX on XX/XX/year>. Order ID : XXXX The total amount charged to our Capital One Business CC was {$790.00} XXXX chose to refund us only {$630.00}, shorting XXXX {$150.00}. XXXX also chose to refund us in 8 small amounts, rather than one single amount. Making this process all the more difficult. 

The order was stopped at XXXX and returned directly to XXXX ' warehouse. We never even received our order and tracking confirms that. Additionally, XXXX emailed us stating that our order encountered " unexpected delays, '' while in transit and stated that we could go ahead and apply for a full refund. They also stated that if any of the items were to arrive, that we didn't need to return them. Out of the five packages sent by XXXX, four of them were returned to XXXX by XXXX. Only one package actually made it through. 

We have attached screenshots of the email sent to us by XXXX showing the corresponding Order ID and their statement in full. Additionally, we have attached screenshots of all 8 ( eight ) small Refunds that they granted proving that they shorted us {$150.00}. 

After speaking with XXXX Customer Service on two separate occasions they told me I'd have to wait another 3-5 business days for them to contact me. Eventually we were contacted by one of XXXX ' " Specialists. '' The specialist told me that I needed to open a return to get my money back... we already did that ... that is exactly why they had you ( the specialist ) contact us. And that's exactly what I told him. I got no response from the " specialist, '' from that point forward. I tried contacting him again through his email a couple days later and still got no response. At that point, I told them I'd be contacting my CC company and placing a stop payment. Still no reply from the specialist. So we did exactly what we said we would and filed a chargeback. 

XXXX disputed it and Capital One immediately gave them our money back. Capital One has the tracking numbers for all five packages that XXXX sent, so they know for a fact that I didn't receive the order. When I asked Capital One why they chose to give them my money back, their response was " The merchant provided the following information to support the transaction : Notification that goods were as described and received in good condition '' That was also included in the response letter that Capital One sent to me. Screenshots of that letter have been attached for reference. 

XXXX explicitly guarantees " Delivery in 30 Days or Your Money Back. '' XXXX stole {$150.00} from my me/my company. Capital One knows that they did and they allowed it, even after indisputable proof was provided to Capital One at their request.
Consumer complaint received 2024-06-24
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Navient Solutions, LLC. (MI)

They did not reply with the specific information I requested pertaining to the amounts and credits for the terms of the original arrangements and agreement of the loan from XXXX  that I made with them. They simply showed me an example of how much money that they would forgive, such as {$2900.00} ; etc. from the principal balance that I still owe, but they did not subtract it yet from my current balance yet. Furthermore, they said that my application for XXXX has now ended, which leaves me more confused now about the terms of the loan balance I have with them because I applied for an XXXX plan which they approved, so this either did not even apply to me or I never heard or knew that this applied to my situation in the first place so this is irrelevant to my current situation. Hence, I will not XXXX these loans again ( as they recommend ) and the XXXX  years of consecutive payments should qualify towards the original terms of the loan which was for XXXX  years ( XXXX months ), regardless of the current XXXX new student loan forgiveness plan. They should already have forgiven XXXX years of repayment for me, since I already made XXXX years of payments to them and still have XXXX years remaining. If I had reconsolidated these loans again, then the new terms would be for another XXXX  years for the same amount and I would have to start all over again so the whole process for which I am complaining to this agency is proven to be a scam if after making XXXX  years of payments my loan is not XXXX.
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (TX)

My account with JPMCB CARD was never late! I have had exceptional payment history with JPMCB CARD and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/XXXX to XX/XX/XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

JPMCB CARD Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-06-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (HI)

On XXXX I reached out to Capital One to let them know that a XXXX XXXX was not received by the XXXX I am working with ( XXXX XXXX ). I had set up the XXXX XXXX in in XXXX of XXXX and made XXXX successful payments to this XXXX. However, I found out the last XXXX payments made totaling XXXX were not received by the merchant. 

In the Capital One app, I only have a list of XXXX XXXX. I can easily select this XXXX and send the payment. When sending the payment, there are no details listed- it only lists the most recent payment made. Because I made no change to the XXXX and the most recent payment reflected a payment I recognized, I continued to make payments to this XXXX 

However, unbeknownst to me, Capital One changed the XXXX starting in XXXX of XXXX. They did not inform me of this change or the fact that the payment was converted from a mailed check to an electronic payment. I reached out to Capital One to let them know of this issue. 
XXXX. Capital One insisted that the payment was electronic XXXX. I insisted that there was no electronic account to send the payment to so I could not understand how it could be electronic XXXX. Cap One said the payment was sent as requested XXXX. I insisted that the change in the instructions needed to be investigated as I could not comprehend how it would have been sent out electronically when it was by paper for years Capital One deliberately did not hear my objections to how they articulated the dispute. They could only say " we will look to see if the payment was executed as requested. '' Multiple times I said " It looks like you changed the instructions, please investigate how the XXXX I have paid since XXXX was changed without my knowledge. '' When rejecting this dispute, apparently, the payment went to a company called XXXX. In looking XXXX up, they streamline payments by managing paper checks and converting checks to electronic payments. 

It appears that in working with this company, XXXX, Capital One converted my payment to the wrong XXXX. Instead of sending the payment to XXXX in XXXX, they sent it to XXXX XXXX XXXX XXXXXXXX in XXXX. Thus, while the instructions were executed as " requested, '' those were not my instructions. My instructions were to send the payment to XXXX ( in XXXX ) and I had not changed those instructions since my first payment in XXXX.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I know its legal but is it ethical? 
How does the cfpb allow a credit card company to purposely punish a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX like this? I had to retire in XXXX due to my XXXX I still managed to continue to pay ON TIME until I ran out of possibilities in XXXX. They charged my accounts off in XXXX. They are reporting charge off in XXXX that's inaccurate reaging. The worst of it is after they sued. I have no taxable income. The worse part of all of this is I just got turned down for a HELOC. the reason? Recent charge offs. I haven't been late on a single bill for over XXXX  years. I have no recent charge offs and Capital One has already written the expense off to the IRS. This reporting off my charge offs monthly and as new should be illegal. It is false reporting and not accurate. XXXX for example, reported the charge off once in XXXX. its there, but doesn't show as recent, which is accurate. Capital One is purposely damaging my credit, why? To make me suffer more for going thru a hard time.
Consumer complaint received 2022-12-05
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. (DC)

On XXXX XXXX I submitted complaint to XXXX XXXX, Experian And XXXX to make sure all of my accounts were properly investigated and to make sure everything was 100 % correct on my account. The credit bureaus stated XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX XXXX Original Creditor : OXXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX and XXXX XXXX was properly investigated but how is that possible if the open date is inaccurate, the date last activity is inaccurate, date last reported is inaccurate, account numbers are inaccurate, account type is inaccurate, balance is inaccurate , comment section is inaccurate , high credit limits are inaccurate, number of months ( terms ) is inaccurate and two year payment history is inaccurate. This is grounds for removal. They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 

I haven't given these accounts written permission to furnish these accounts on my credit credit as well.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: National Credit Adjusters, LLC (CA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit
reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2023-11-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TransferWise Ltd (FL)

We hereby file a complaint against WISE for their actions. 
The facts : We opened a multi-currency bank account for our company with WISE in XXXX 
WISE closed our company 's accounts, which would have been lawful if they had acted in a professional manner, respecting their client 's rights and business, i.e. all the legal rules incumbent on financial intermediaries. 

In fact, this closure was carried out suddenly, without any reason, without any notification, and without any notice period, disrupting the business activity of our company. 

Overnight, we were denied online access. Having received no prior notice from WISE, we estimate the closing date to be around the end of XXXX XXXX 

What's more, since our access has been totally blocked, WISE has prevented us from retrieving a summary of our financial accounts for XXXX and the year-end, so that we can take copies and print them out for our auditors. As a result, we are now unable to justify our accounts, with the corollary of unjustified requests for payment to customers and major reporting problems. 
Since this closure and despite our requests, email contacts, complaints, and formal notices, WISE has implicitly : 1/ refused to return our assets 2/ refused to provide the data they are obliged to communicate to us, i.e. the account statements requested ( for the years XXXX and XXXX  up to the date of closure of the accounts, then liquidation ). 

In the absence of a solution and fed up with their procrastination ( contacts with WISE 's COMPLAINT department have gone unanswered, WISE has twice failed to meet their own deadlines for supposedly dealing with problems- which ones? ), we are forced to lodge a complaint against WISE for misappropriation of funds and improper retention of our financial data, this type of behavior being clearly contrary to the obligations that WISE or its parent company entered into with your organization to obtain their license. 

We request your intervention as the supervisory body for this financial company, and we would like you to take the following appropriate coercive measures against WISE : - restitution of our assets with interest due, - a summons to deliver the statements of financial accounts requested, with a daily penalty of XXXX USD per day, - a disciplinary indemnity of XXXX USD in our favor for failure to comply with their financial obligations and improper retention/or breach of trust, - plus appropriate administrative sanctions for WISE 's failure to comply with their license. 

What would be a fair resolution of this issue : - restitution of our assets with interest due - deliver the requested statements of financial accounts
Consumer complaint received 2024-06-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

capital one I need you to please remove these account off my credit report as I keep letting you guys know this account was open without my concern you guys keep saying yes it was me just because my address and social and number its connected to the account as I mention before we all know for you to open an account you need those information that does not mean I was the one who open it also you guys mention about my id was send to y'all did I send it to y'all no it was not me at all as I also mention my information was stolen before as well of my phone anyone could of did this to me I'm asking one more time remove this account off my credit report I also requested prove by mail all papers proving it was me I want to see letters sign with my signature as well and yet I haven't got them neither so please once again do the search right and if you have papers with my signature on it I want to see them asap because these its XXXX me off right now
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: I.C. System, Inc. (GA)

I received notice about an alleged debt reporting as a collection on my consumer report that I am requesting be VALIDATED, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) validation of debt section, 15 USC 1692g. I am writing this letter to dispute this alleged obligation, pursuant to 15 USC 1692g ( b ). I am also refusing to pay this alleged obligation, pursuant to 15 USC 1692c ( c ) and all collection efforts shall cease. STOP CONTACTING ME ABOUT THIS OR ANY OTHER RELATED MATTER YOU HAVE. CEASE AND DESIST ASAP AND DELETE THIS ACCOUNT FROM MY CREDIT REPORTS. I only give your agency permission to communicate with me ( via U.S. Mail ) by informing me with proper validation information or informing me that you have notified the credit reporting agencies that the information will be DELETED from my consumer reports.
Consumer complaint received 2024-06-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: ROBINHOOD MARKETS INC. (FL)

My robinhood account became restricted a couple years ago while I was selling and buying stocks, the original restriction was only supposed to last around 3-6 months. After the 6 months my account was still restricted and I could not withdraw my {$810.00} I had as buying power. I tried contacting the company by email asking when my restriction would end or why it was restricted and was answered with then saying they do not know. And when I was told that they could deactivate my account which would give me my money back the person I was emailing told me that they could not give me an answer as to when exactly my account would be deactivated and my money returned. But seeing as how that was over almost 2 years ago I feel like they're just trying to hold my money and keep it from me which is not right. They also said that my funds would be transferred back to my bank account in 3-5 business days. That was in XXXX
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

On XX/XX/year> FAIR COLLECTIONS & O added a derogatory mark to my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditors did not verify this collection. Also, there was NO form of communication, contracts, or signatures for this account debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, FAIR COLLECTIONS & O violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ALLY FINANCIAL INC. (CA)

XXXX XXXX XXXX XXXX on XXXX XXXX ran my credit report ALLY Financial on XXXX XXXX ran my credit report XXXX on XXXX XXXX ran my credit report XXXX XXXX XXXX XXXX  on XXXX XXXX ran my credit report XXXX XXXX on XXXX XXXX ran my credit report I have already did my FTC Report I also sent the FTC to the credit bureau, but they came back saying that this was correct, specifically stating that I would like for this companies to send the correct and proper documents showing that I applied with them ; they have not and have failed too.