davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (FL)

The car was a total loss, the loan was paid off and it had XXXX. I received a refund check for XXXX dated XX/XX/XXXX. This check was made payable to myself and XXXX XXXX ( other borrower ). The check was signed by both of us and placed into my XXXX account via Remote deposit on XXXX XXXX. XXXX took out the funds from my account on XX/XX/XXXX and said the check was unpaid by Ally for " Refer to XXXX ''. I contacted Ally on XX/XX/XXXX and asked that a stop payment be placed & a new check issued. I called back on XX/XX/XXXX and was told by the agent the check was cashed and paid to XXXX. I explained I have the letter from XXXX telling me it was not. She asked I fax it in. I faxed to XXXX on the XXXX. I called again on XX/XX/XXXX and was told the fax was not found. I asked to escalate & the agent said she would open a request for a call back. I submitted a XXXX XXXX Report on XX/XX/XXXX. I got a call back on XX/XX/XXXX & was told the fax was found & it will be handled by their payment area. I should hear back in a week to 10 days. I heard nothing. I called the escalation area at XXXX on XX/XX/XXXX and XX/XX/XXXX and left a message. To date I have heard nothing.
Consumer complaint received 2023-10-24
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: MECHANICS BANK (CA)

I have a XXXX XXXX XXXX XXXX that I bought in XXXX the interest rate is too high I tried to get it Lowered but the company would not lower the interest rate for me. I still have two more years at $ XXXX. to pay on it. The last month I've spent {$5000.00} on the car for suspension and tires now the transmission went out and I still have two years to pay at {$560.00} a month can I please get some help.
Consumer complaint received 2023-10-10
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

On my Capital One Platinum Credit card ( closed as of XXXX ) I am enrolled in a hardship plan. 

Things are very difficult right now economically as I'm sure you are well aware. I'm trying my best and making a good faith effort, but it's tough. 

I entered into a 3 month payment plan ( see attached image ) with a monthly payment of {$120.00} On XX/XX/XXXX I made that automatic payment and was immediately charged a {$40.00} Past Due fee. ( see attached image ).

I was confused and realized it had to be some mistake, as I have entered into the payment plan. I acknowledge that interest fees still apply. But I WAS NOT LATE with my payment. 

I contacted support and they informed me that even though I am on a payment play IT IS NOT THE MINIMUM PAYMENT! 

That I would be charged a {$40.00} fee for PAYING THE 'HARDSHIP PLAN ' amount and NOT ADDING IN THE EXTRA. 

So that even though I'm enrolled in the plan, at the amount that they offered, they will charge me {$40.00} a billing cycle because it is NOT THE MINIMUM PAYMENT. Effectively keeping me trapped and charging me more and more I ask how is this not some type of fraud and deceptive behavior? How is this predatory behavior allowed to exist? 

This needs to be fixed and I need some resolution and help here because this is NOT RIGHT. 

I acknowledge that my credit situation is less than optimal ( medical reasons ). And I am attempting to get the ship righted. 

But how can ANYONE, with such obvious deception and predatory tactics, hope to get financially 'out-of-the-hole ' when Capital One is using 'bait and switch ' behavior on those trying to do the right thing? 

I need a resolution to this so that my agreed upon amount isn't being hit with 'late fees '.
Consumer complaint received 2023-10-10
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I am attempting to change my address, which they have on file for XXXX credit cards but not for this one ( Platinum ) in particular, for some strange reason. 

My issue is the bill and the payment notification WITH ACCOUNT information is being mailed to the previous address I lived at and compromising my privacy. Allowing the new people living there to access to my financial/credit card information. 

I attempted to change the address online but was informed due to my account being restrictive that I was unable to make the address change unless I called customer support. 

On XX/XX/2023 at XXXX I contacted Capital One at XXXX and spoke with representative " XXXX ''. 

I told her that I would just like to change my address. She asked me for my phone number for 'verification ', which I provided, then she told me that that number, which is my number for many years was not able to be used. 

She informed me that she could not change the old address to the new address, which mind you, is already on file with XXXX other Capital One accounts, without me 'verifying ' myself by uploading my ID to them. 

XXXX  ' also acknowledged when I asked her about this, that without that information the people who lived at the new address would still receive my bill and credit card info, as 'policy ' told her that she could not change my id without 'verification '. 

At this point I informed her to close the account. 

Which ... that's right. 

Did NOT REQUIRE ANY VERIFICATION. She closed my account without verifying it was me, or asking me for any information. 

I asked her if she realized how hypocritical and consumer hostile that was. Whereas she could cancel the account without any XXXX ', Phone # etc... but she couldn't change my address on the bill THAT IS GOING TO ANOTHER PERSON. 

She told me it was 'policy '. 

I then asked her to go paperless. Because we all know how companies bang the drum on going 'paperless '. And of course she told me .... she couldn't do that without verification. 

Unbelievable. 

Any REASONABLE person can see exactly what is going on here. I need assistance from the CFPB to protect my financial information from being mailed to an old address. Allow me to change my address. Or simply shift me to paperless billing. With out the 'fuax bs ' of needing 'verification ' to make account changes. 

If I can close my account without verification ( I could be anybody on the phone with XXXX ) I should be able to change my address, and protect my privacy and information.
Consumer complaint received 2023-10-10
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (FL)

I was approved for an American Express XXXX XXXX which is a rewards travel credit card on XX/XX/2023. The main reason I applied for the card was because of the rewards benefits which advertised that I would receive XXXX point for each dollar of regular purchases and XXXX the number of points for purchases in the travel and transit categories. After having the card for 4 months, I have noticed that I am not receiving the XXXX points for travel and transit categories that I should have earned. I reached out to the company by chat and the representative admitted that I was correct! She confirmed that I was not receiving the XXXX the number of points for the travel and transit categories which I was making purchases in. She even noticed that I was not receiving points for other purchases I made. She said she would file an investigation but the issue was never fixed and when I tried to follow up again with the company, I was not given any information or assistance. 

I feel I have been lied to and I would not have paid the {$150.00} annual fee for the card if I was not going to receive the rewards points as advertised since I intended to use them for travel benefits. 

In addition to this, I was promised a {$200.00} statement credit which I never received.
Consumer complaint received 2024-07-09
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (IL)

I attended XXXX XXXX in XXXX Illinois in XXXX and in XXXX the XXXX XXXX XXXX found XXXX operated on a culture of false promises, lies, and manipulation in order to profit off student debt. 

At the time of my attendance, it was not explained to me this would be a private loan as the first loan I received was a Federal Loan ( Has been XXXX ). 

A {$7500.00} private loan has now ballooned into over {$25000.00} even though I have made a total of {$12000.00} in payments over the past 8 years. 

I went through my Illinois Attorney General to file the complaint and complete a Navient School Misconduct Discharge application, but the application was denied by Navient ( denial letter attached ) with a very vague explanation " you do not meet the requirements for discharge based on misconduct by your school. ''
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This issue has been on going and the accounts that are reporting on my credit files do nit belong to me and were a cause from identity theft/fraud. per 15 usc 1681b this is illegal. I did not authorize anyone to furnish any of my information, let alone INCORRECT INFORMATION! I need these to be re investigated the right way. None of the companies were able to prove that these debts were mine and for that they must be removed.
Consumer complaint received 2023-10-09
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-07-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-08
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital One reported ( XXXX ) separate hard credit inquiries on each of my XXXX major credit reports ( XXXX, XXXX, and XXXX ) although I was already pre-approved for financing by Capital One prior to the dealership filing a credit application. The agreement I entered into with Capital One at the time of pre-approval confirmed that a hard inquiry would occur only if decided to open the auto loan with Capital One. I ultimately decided to open my auto loan with XXXX XXXX and though the terms of my pre-approval had already provided me the interest rate, monthly payment and down payment for the selected car, my credit was ran a total of XXXX times across XXXX different reports, none of which I authorized.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-03
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Navient Solutions, LLC. (NV)

on XX/XX/year> I sent a certified letter to Navient invoking my rights under the FTC holders rule demanding a decision through a written notice within 30days. Instead of responding as requested Navient sent a letter to contact them on XX/XX/year> and another one on XX/XX/year> with threat to litigate .Today XX/XX/year> I signed/logged in their portal to check on the loan and realized they taken down some of the information including the interest charged but most documents I have already saved
Consumer complaint received 2023-07-08
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: Experian Information Solutions Inc. (CA)

This is my 6th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX : {$0.00} ; XX/XX/XXXX ( Original Creditor : XXXXXX/XX/XXXX) XXXX Balance : {$400.00} ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-10-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: W&A Intermediate Co., LLC (IL)

XXXXy ( medical provider ) was over paid in full. Medical provider never contacted attorney who had provided medical provider with contact information. Instead, provider sold medical debt to Wakefield & Associates who endlessly called, texted and harassed. Deplorable action by XXXX and Wakefield has now jeoparized credit score, house closing, etc..
Consumer complaint received 2023-12-18
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (CA)

On XX/XX/2023 I went to purchase an item from Harrods for roughly {$1000.00}, the transaction would not go through even though I completed an online purchase verification 4 times with the texted code I had received. I called an agent who verified my identity through text verification and he assured me it would work. It didn't. I went to XXXX 's and was trying to make a purchase of about {$1000.00}, the card got denied I got on with an agent and he said to verify that he would need to call me back ... ..he never called back, in the meantime I called Citi again XXXX and was able to get an agent who stayed on the phone and she verified my identity by keeping me on hold and calling me back on a different line, I was able to complete the purchase and she assured me that everything was going to be ok and that she would put a note that I would be doing individual purchases up to {$4000.00}. When I got home I did see an alert in my email from Citi Fraud department, I called and they said no issue it probably came over earlier. I tried to make another purchase from XXXX for roughly {$2000.00} and the card was denied. I called Citi and she said she would have to verify my identity by sending a letter that would be received in 5 to 7 business days. Are you kidding me, this is the same company that Fraudulently signed me up for a promotional program that requires spending {$10000.00} instead of {$7000.00} over 3 months which I was really upset about but now that I am well on my way to meeting the requirements of that promotion and I sent a complaint about that which was closed out all of a sudden my card doesn't work even though my identification has been verified 3 times. So basically I will be without the use of my card for a week during peak buying season for XXXX, all of those purchases that would have went towards my {$10000.00} promotional requirement can't be done. I find it hard to believe that none of this is connected. I have had many credit cards over my lifetime I have never seen anything like this. One of the agents before the last one told me that I could also go into a branch to clear all of this up and when I told this to the last agent she said that was no longer an option. I have absolutely had it with Citi, I transferred the money I had in my checking and savings accounts and now I this which makes no sense that I can't even go into a Citi bank and verify my identity. Why is my card still not working after talking with 5 representatives and my identification being verified 3 times. What's next I get the letter give them the code and this whole thing starts over again as I HAVE ALREADY VERIFIED MY IDENTITY 3 TIMES!!!!! They are not only the worst bank, customer service, credit card service they are the worst business I have ever dealt with!!!
Consumer complaint received 2024-05-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Patient Accounting Service Center (MT)

XXXX XXXX at ARstrat collection agency ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX TX XXXX ph XXXX ) has been calling me about a medical debt of {$140.00} ref # XXXX with XXXX XXXX XXXX. I have been receiving repeated phone calls and letters from this collection agency about this supposed debt. I contacted XXXX XXXX XXXX and they have told me that all of my medical bills were paid. XXXX XXXX does not show that I have a balance due on any account and they are telling me that they did not submit a balance into collections for me. 
I passed this information on to XXXX and advised her that I am disputing the validity of this debt and the creditor is telling me there is no balance owed. I am a XXXX person on medicare and all my debts are paid through my insurance. I never received a past due balance from XXXX XXXX for anything.
Consumer complaint received 2023-10-08
Product: Prepaid card — General-purpose prepaid card
Issue: Advertising — Changes in terms from what was offered or advertised
Company: AMERICAN EXPRESS COMPANY (MI)

I've been using American Express prepaid gift cards for years, and as of XXXX  American Express is blocking transactions at all major retailers. AmEx has admitted to me that they block online transactions at XXXX, XXXX, XXXX XXXX, XXXX, XXXX, etc so it's making the card close to useless. I can't get the card to add to XXXX XXXX about 95 % of the time, and when I do get it added it just fails when trying to use it at stores like XXXX XXXX and XXXX. Again, I'm very experience with these cards and I've been using them for at least 10 years, and as of XXXX  they are nearly useless. I can only get them to work when I physically swipe at some merchants, so this severely limits how I can use it. They say it should work at online retailers but it does not, and it is AmEx that is blocking it's use.
Consumer complaint received 2023-10-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: REGIONS FINANCIAL CORPORATION (NC)

Around XX/XX/XXXX, I mailed a check by placing it in the collection box at a US Postal Service facility in XXXX, NC. The check was made out to the City of XXXX in the amount of {$150.00}, On the evening of XX/XX/XXXX, I decided to check my XXXX XXXX account, and I quickly noticed that the balance was {$0.00}, and upon further investigation, I saw that the check I had written to the City of XXXX had been altered by the person " whiting out '' City of XXXX, replacing it with his name, XXXX XXXX, and changing the amount to {$10000.00}. XXXX XXXX then made a mobile deposit into Regions Bank. My XXXX XXXX branch filed a claim with their corporate office on XX/XX/XXXX, and I immediately contacted XXXX Police Department and filed an incident report. I also filed a report with the US Postal Service. Unfortunately, despite numerous phone calls by me to speak with a XXXX XXXX investigator, no one ever called, except to state that numerous attempts were made to contact me and my phone just rang and rang. Please note that my cell phone never showed any missed calls or voice mail messages. Misinformation was provided to the detective by XXXX XXXX regarding the bank that received the deposit, delaying time. I found out on XX/XX/XXXX that the receiving bank was Regions Bank. NC Attorney General 's Office has informed that Regions Bank is a state-charted bank out of XXXX. XXXX XXXX has informed me that there is nothing I can do if Regions bank does not return my {$10000.00}. I just want to be made whole. I feel as if there is nothing I did to become a victim of this crime, except to mail a utility bill through the USPS. One can easily see that my check was altered. Regions Bank apparently accepted that check, despite the obvious changes that had been made to it. I am hoping that Regions Bank does the right thing by quickly returning my money to XXXX XXXX so that I can continue to pay my bills. I strongly believe that the loss of {$10000.00} would be significant for the average person. I would greatly appreciate any assistance you can provide. Thank you.