davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (KS)

I have tried my best to fit my multiple problems into one listed category but it isn't really very exact.

I buy a large number of items online. Because of this I have had problems over the years with being defrauded. Sometimes I will never get products. Sometimes I get products that are very different or damaged. Capital one has a XXXX fraud liability policy that they are supposed to refund money in these cases. At first they were very good about it. After a while, they stopped refunding most of my money. They went from refunding it within XXXX days without giving any more info that what they took in the first interview process, to taking months. They also started asking for more and more information in order to process the case. Id give them all the info they asked for. Then theyd wait months before theyd ask for more, wait more months, then ask for even more! We Sometimes they claim that they never got my response which I sent and then closed my case. Sometimes they ask for ridiculous things that were impossible to provide and when I provided proof of fraud, it wasnt enough because I didnt jump through the crazy hoops. They were clearly trying to avoid paying me back for the fraud. It got so bad that I finally told them that if they didnt honor their policy, I was going to report them. Their response was to close my account and refuse to honor our agreements. This created great difficulty for me because several things that I had put in place to pay I was unable to. I was also unable to pay rent because that was the only bank account I had with checks. I need your help holding Capital One accountable. 

I first started by filing with the Better Business Bureau. I heard nothing back from Capital One but they responded with further closing my three credit cards that have been in good standing for over XXXX years. This hurts my credit score by lowering my credit, they were closed unfairly with prejudice and discrimination, simply because I filed a complaint. It is my legal right to be able to do so, without having this kind of retaliation from them. 

These are the amounts I asked them to refund on various cases their agreements says they cover, and have covered in the past. 

{$170.00} dispute on merchandise not received {$64.00} dispute on double charge {$13.00} dispute on merchandise unusable/bad {$10.00} bonus redeemed but never given through advertisement link {$18.00} sent different merchandise unwanted and of much lesser value/not as described {$8.00} merchandise not received Total : {$280.00}
Consumer complaint received 2019-12-16
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANCO POPULAR DE PUERTO RICO (PR)

I was pre-approved for the loan with " No Conditions '' by Banco Popular then after paying the Non-Refundable Deposit to the seller ; the Bank Loan Agent ( XXXX XXXX XXXX ) forced me against your will to make a payment to a third party ( not related to the loan ). They asked that I showed them I had been in dispute with them for over a year and to give all supporting documentations, I did so and sent them dozens of pages via email. 

The Bank ( XXXX ) then told me I was cleared to get the loan without having to pay this debt. However, only a few days after I paid the non-refundable deposit to the owner of the property, I was told if I didn't pay the debt in dispute I would lose the deposit, AND they would deny the Loan ( after being pre-approved with no conditions prior ). 

The underwriting team and XXXX told me that I was approved and would not have to pay this debt, I had no intention of paying a debt that had been in dispute, that was not mine, it was for a company I once owned and should have been agains the entity, but The Bank further stated if I did not pay the $ 18K+ debt immediately, the Bank would deny the loan and I would lose my $ XXXX deposit that already paid to the owner due to the time constraints in the purchase agreement of the home. I was very clear in emails and calls to the bank that I would not pay this $ XXXX deposit to the owner of the home unless I was sure I would be approved WITHOUT having to pay this non-related debt in dispute, they assured me several times that with my great credit score and income I would have no issue, they approved the loan with no conditions, then after paying the $ XXXX Deposit The Bank extorted me into paying a debt unrelated to the transaction. I would have NEVER paid a disputed debt unrelated to my personal finances if the Bank did not extort me to do so. It's apparent the loan officer was merely trying to close this deal, sold me on something untrue, and earned my trust to only put my back against the wall as she knew I had NO choice but to be forced to pay it or I would lose the home and the $ XXXX deposit to the owner. 
Furthermore, I have tried to fight this with my bank that is stateside, they have denied me many times, I am in Puerto Rico, I am working on filing a police report, and the police department also here made me feel like the harasser and would not allow me to file after a visit to my home and after I visited the police department they refused to allow me to file a police report so that I could at minimum receive temporary credit while I continue to dispute the transaction. XXXX XXXX by law is required to give a temporary credit and they have also refused to do so, I can not afford to get an attorney for this, I sincerely need some help please! 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: NAVY FEDERAL CREDIT UNION (NC)

On XX/XX/XXXX I purchased a XXXX XXXX XXXX and financed it with Navy Federal for {$56000.00}. On XX/XX/XXXX at approximately XXXXXXXX XXXX, I reached out to Navy Federal in regards to my protection plan on my auto loan and was made aware I did not qualify for GAP insurance until my loan reached 84 months. I was never informed of this policy until it was too late. The late afternoon on XX/XX/XXXX I was involved in a total loss accident which was deemed that I was not the at fault party. Due to no XXXX being attached to the financing in the amount of {$390.00}, I have been deemed responsible for {$27000.00} in debt with Navy Federal. Im a single XXXX mother of XXXX who attempted to pay this company $ XXXX {$450.00} a month but they are requesting almost {$700.00} a month for a loan that no longer has a vehicle attached and I keep being denied for the loan to be transferred to a personal loan or any other type. My personal insurance company applied {$28000.00} to the loan balance on XX/XX/XXXX. Im unable to pay the amount discussed above and its unfair practice on Navy Federal for not informing me of XXXX coverage not being applied to the auto loan.
Consumer complaint received 2024-07-18
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (IL)

CFPB XXXX AS shown the CFPB closed the investigation on XXXX and failed to have Synchrony provide the SIGNED CONTRACT. All synchrony produced were statements and their written explanation. AFTER Synchrony was deciding how they wanted to charge my account and have accounting fights over their accounting fees and application of payments misapplied to which I had to call in because the charges were invalid and they removed them. Right now they still have the account open and the balance is up to the original purchase amount in fees as when I purchased originally because they say I agreed to the terms that I don't have the signed contract stating. I said send me the signed contract. Your office bailed after they sent me an accounting overview for the second time which wasn't the original main part of the complaint, it was the fact of the terms agreed to as/ I don't have a copy of the signed contract showing the original signed terms. I only have what they put on my statements after they decided to use the NEW PROMOTION that no one ever heard of before. So they charge me what they want because your office didn't listen to the fact of how I said " I need a copy of the signed contract. ''
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to follow up on my previous dispute letters, which were submitted on [ dates of previous disputes ]. According to the Fair Credit Reporting Act ( FCRA ) Section 605, you are required to investigate and respond to disputes regarding inaccurate information in my credit report within 30 days. 

As of today, I have not received a response to my disputes. I kindly request that you address these inaccuracies immediately and provide me with the results of your investigation. If the disputed information can not be verified, please ensure that it is promptly removed from my credit report. 

Thank you for your attention to this matter. I look forward to your prompt response.
Consumer complaint received 2024-08-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Spring Oaks Capital, LLC (LA)

Dispute Letter to Collection Agency [ XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX ] Dear [ SPRING OAKS CAPITAL LLC ] , I am writing to dispute the accuracy of an account listed on my credit report by your agency. The account number is [ XXXX ] XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX You have failed to provide me with validation information as required by 12 CFR 1006.34 ( b ) ( 5 ). 
You have not allowed me to dispute the account as required by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). 
You have furnished information to consumer reporting agencies without required disclosures as required by 12 CFR 1006.34 ( d ) and 15 USC 1681s ( 2 ) ( A ). 
Your actions constitute false, misleading, or deceptive practices, potentially violating 15 USC 1681a ( 6 ) and its subparagraphs. 
The purchase agreement between Them and the Original creditor requestin proof that they are licensed and Bonded also pursuant to Rule 1002 original application I do not want no copies none Spring Oaks Capital Im disputing owing any and all debts, Im revoking all rights of communicating with me through email/text/calls and Requesting validation of debt. Pursuant Rule 1002 I request that you investigate this matter and remove the account from my credit report. I have attached copies of the relevant laws and regulations for your reference. Also Im aware that in accordance with Article 9 the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S.C. 1692e ( 12 ) I look forward to your prompt response. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX
Consumer complaint received 2024-07-22
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. (IL)

I applied for a new XXXXXXXX XXXX XXXX XXXX online in XXXX. While I was out of the country, someone intercepted the card and/or the card information, activated the card, and made fraudulent charges ON XX/XX/year>. After many hours on the phone with XXXX, I was able to cancel the card. I received two letters from the XXXX fraud department saying they closed the card due to fraudulent charges, but they still continue to report that I am late on the 'payment '. Letters dated XX/XX/year> and XX/XX/year>.
Consumer complaint received 2024-07-24
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (PA)

On XX/XX/XXXX, I became aware that my monthly payment to Synchrony Bank was not automatically paid by my XXXX account as it was in the past due to a glitch. I immediately called Synchrony Bank and explained that there was some sort of glitch when my bank tried to make the automated payment and it did not go through. It was not clear to me whether the glitch was on my banks end or Synchrony banks end. I spoke to XXXX at Synchrony. I said to prevent this from happening in the future, Id like to pay the account in full. He said that was fine I did receive a confirmation number and believed my account was paid in full. Also I told XXXX I was concerned about getting a late payment because I was one day late but explained it was not my fault but due to the bank glitch. XXXX said not to worry I would not encourage a late payment. 
Today I noticed an email amongst a lot of spam alerting me that my account was late again. I called synchrony to understand what the late payment was for as I was under the impression my account was paid in full on XX/XX/XXXX. I had a {$41.00} charge late fee and a {$3.00} charge for a paper statement fee and interest on that paper statement fee. Im not supposed to get any interest on this promotional credit card. I purchased XXXX violins from XXXXXXXX XXXX XXXXXXXX on a promotion that if I paid it in full by XX/XX/XXXX no interest. I explain this to XXXX at synchrony bank and she said that they cant waive the paper statement and interest charge. I was so upset during the call I completely forgot that I dont receive paper statements from them. XXXX told me there was no way to stop receiving the paper statement fee unless I go online and switch it to paperless. Another person by the name of XXXX then came on the phone and said the same thing as XXXX. I told him to cancel my account and he said I would still get paper statements and bills for the paper statements unless I go online and cancel the statements. Ive been locked out of my account and cant get online. This is a scam and I would like it stopped. I would like you to investigate it. I verbally told them to cancel my account. I told him I would mail in a {$3.00} check to pay this paper statement fee and they agreed to waive the {$41.00} late fee. I do not think this is right. I should not have to pay a statement fee. Ive already paid the account in full, I dont receive paper statements, and I was told by XXXX no other fees. 

Thanks
Consumer complaint received 2019-12-16
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. (PR)

A complaint is presented to Transunion about the unauthorized inquiry of the XXXX to investigate our credit report for the date of XX/XX/XXXX. We informed you that this investigation was not known and was made with the XXXX car dealer without due authorization. We urge you to immediately eliminate this undue inquiry as it affects an empirical one. We look forward to your quick intervention.Thank you.XXXX XXXX XXXX XXXX Birth day XX/XX/XXXXXXXX XXXX XXXX XXXX Birth day XX/XX/XXXX
Consumer complaint received 2024-05-13
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: Experian Information Solutions Inc. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-29
Product: Credit reporting 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. (MI)

Upon reviewing my credit report, I noticed several inaccuracies that immediately raised concern. There were a few ( XXXX ) inquiries listed that I didn't recognize, indicating potential unauthorized checks into my credit history, I contacted the credit bureau to dispute the inaccuracies. Not authorized to share XXXX being infringed upon 15 USC 1681 ( a ) ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX CFR part XXXX REGULATION V XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Transunion XX/XX/XXXX
Consumer complaint received 2024-08-15
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: WEBSTER BANK, NATIONAL ASSOCIATION (CT)

My mom passed away on XX/XX/2024. I managed to sell her home, pay off some remaining bills and, currently, I am attempting to close her last remaining bank account with Webster Bank in XXXX The account has approximately {$17000.00} in it. I want to close it but Webster Bank has denied the closing and the release of the funds in it. All of my mom 's XXXX XXXX and XXXX so I thought, were notified of her death the day after she passed. However, the XXXX fund did not close her account as I requested and approximately {$500.00} was direct-deposited into her account for, I believe, XXXX, XXXX, XXXX and probably XXXX. As a result of this error by the pension fund, XXXX, Webster Bank will not release any of her money in the account due to the pension fund 's error of not ending the payments which I will gladly return to them. The pension fund, XXXX has stopped responding to the emails I have sent them asking, more like begging, them to take my mom 's pension money back. This has gone on for a now ridiculous XXXX months. I will state again that it is my FULL intention to reimburse the XXXX Pension Fund the monies they direct-deposited into my mom 's account via its error. 
Thanking you in advance for whatever assistance you can provide.
Consumer complaint received 2024-08-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

My card was compromised with {$14000.00} of charges i did not make. My typical monthly charges on this card ( BJs-Capital One ) are between $ XXXX. I received a statement with over {$14000.00} of charges. Capital One never notified me that the charges were high. I had to call them and stop the card usage. They told me that i approved another user which was in error. With my help we identified the fraudulent charges... ..unfortunately, Capital One sent a letter to my home address with the persons name that fraudulently used my card. I again had to call and get that corrected. That is a huge quality error on capital ones part. I am a XXXX XXXX  and they treated me with disrespect and inappropriately. This error made me feel like my information XXXX have gone to someone else in error.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AVANTE (NC)

I have attempted to identify an account that has been recently added to my credit report as of XX/XX/year>. The disputes I have filed through XXXX and XXXX XXXX show this as a medical debt but I have no knowledge of owing a medical debt to this company. The amount is showing as {$500.00} and is appearing as a collections account that has lowered my credit score by an immediate XXXX points which has affected my ability to obtain sustainable housing. I was told there are laws surrounding medical debt and how it appears or reports on credit reports and the amount of {$500.00} seems to be a significant amount related to that.
Consumer complaint received 2024-08-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: SLM CORPORATION (MD)

On XX/XX/year> Sallie Mae confirmed that the student loan for which I cosigned for my son, no longer qualified for the in-school enrollment plan. At that the time the Sallie Mae representative stated that an alternative option our loan was eligible for was the Term and rate reduction program. I agreed to enroll in this program in XXXX. Three monthly autopay payments in the amount of {$800.00} were required to qualify. Thereby making XX/XX/XXXX the official enrollment date of the program. 
Today is XX/XX/XXXX, and when I called in to Sallie Mae the representative was unaware that I was enrolled in this program. Furthermore, he initially told me I had a past due balance and asked if I was calling to pay the past due amount! This is problematic and frustrating because I don't have a past due amount -otherwise I wouldn't qualify for the Term and rate reduction program. Secondly, every month I've had a similar conversation with every Sallie Mae representative since enrolling in the Term and rate Reduction Program. Not one representative knew the details of my account and payment program until I provided names, dates and payments made. My complaint is that Sallie Mae representatives are uninformed regarding customer accounts. Had I not been aware of the details of the program, I would've thought my Sallie Mae student loan account was delinquent and required additional payment to bring it current. Why do I have to educate a Sallie Mae representative on every call over the past 3 months that I am enrolled in this payment program, which a fellow Sallie Mae representative enrolled us into? Why are Sallie Mae representatives not knowledgeable of the amount and due date for my loans? Why have I enrolled in autopay as part of this program and during that time ( each month ) Sallie Mae has sent letters, phone calls and emails stating my cosigned student loans are past due? Today the Sallie Mae representative recommended I upload my bank statement because the XXXX deduction was not showing in the system as the Sallie Mae system showed my payment due on XX/XX/XXXX. So, how is my Sallie Mae payment late as per today 's phone call or the letter dated XX/XX/XXXX? It's frustrating and stressful to say the least dealing with Sallie Mae and its student loan products to pay for a student loan I cosigned for.
Consumer complaint received 2019-12-14
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. (PR)

They made our credit record with Equifax, and first it was not authorized by us, second does not have who is the " REQUEST ORIGINATOR '' and third the phone number that is presented ( XXXX ) does not connect to any entity commercial of XXXX / XXXX  to file the complaint. Therefore, we request the elimination of said inquiry from our credit record as it falls under the category of " hard inquiry '' and affects our empiric. 

The credit record that has been affected is mine and that of my wife. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX