davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

From XX/XX/XXXX to XX/XX/2023, I was in a medically induced coma due to a severe accident. During this time, unauthorized transactions occurred on my Capital One account, which I discovered upon my release from the hospital on XX/XX/XXXX. The fraudulent transactions total approximately {$32000.00}, spanning several claim IDs ( listed below ). 

Upon discovering the unauthorized charges, I promptly contacted Capital One to dispute the transactions. Despite providing substantial evidence of my medical incapacitation, including hospital records, my dispute was denied. I have made multiple attempts to resolve this issue with Capital One, including sending a formal dispute letter and a follow-up letter, but my claims continue to be denied. 

Disputed Transactions : Claim ID : XXXX - Amount : {$2200.00} Claim ID : XXXX - Amount : {$1700.00} Claim ID : XXXX - Amount : {$3500.00} Claim ID : XXXX - Amount : {$3300.00} Claim ID : XXXX - Amount : {$8400.00} Claim ID : XXXX - Amount : {$2100.00} Claim ID : XXXX - Amount : {$4200.00} Claim ID : XXXX - Amount : {$3700.00} Claim ID : XXXX - Amount : {$2500.00} Actions Taken : XX/XX/2023 : XXXX fraudulent charges and contacted Capital One to report them. 
I Sent a formal dispute letter to Capital One outlining the unauthorized transactions and my medical condition during the time they occurred. 
SECONDLY : Sent a follow-up letter reiterating my situation and requesting a reopening of my fraud claims. 
Despite these efforts, Capital One has not provided a satisfactory resolution, and my financial situation has been severely impacted by these unauthorized transactions. I seek the CFPB 's assistance in obtaining a full refund of the disputed amounts and ensuring that Capital One conducts a thorough and fair investigation into my claims. 

Thank you for your assistance in this matter.
Consumer complaint received 2024-07-16
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: DISCOVER BANK (VA)

I have been considering getting a new home equity loan, and have been exploring pricing with different lenders. I went to the Discover Website to find rates for Home Equity loans starting on this landing page : XXXX XXXX XXXX XXXXXXXX I went through the online application process to find pricing on loans, and ended up applying for a loan. I did not intend to do this - I'm not interested in a loan now, the best rate is not competitive with the XXXX XXXX I currently have a HELOC with, and I did not want to consent to a hard pull. 

Based on the user experience, it was not clear to me that I was submitting an application or that there would be a hard inquiry to all three bureaus. If I had known this, I would not have proceeded. I have worked in XXXX XXXX for XXXX  years, including designing applications for credit and pre-qualification experiences. I have significantly more sophistication than the average consumer, and I still found the process misleading. 

This is exacerbated by Discover offering a virtually identical experience online for unsecured Personal Loans that uses a pre-qualification experience that uses language like " Won't impact you credit score '' : XXXX XXXX XXXX I believe this is a clear UDAAP violation - I did not want to do, based on a deceptive experience, and suffered ( small but real ) harm.
Consumer complaint received 2024-07-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mullooly Jeffrey Rooney & Flynn (NY)

The Debt Collector Mullooly, Jeffrey, Rooney & Flynn LLP ( MJRF ) claims to be suing me on behalf of XXXX XXXX. 

I have told them repeatedly that I dispute the debt, and they respond that it's been " validated. '' I requested very specific information from them, which I believe is my right to receive : A deposition of XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. Im afraid I dont have a last name. 
Id also like the recording of the call I had with her XX/XX/year> at XXXXXXXX XXXX. 
I would like any procedures and policies of both XXXX and your firm regarding what should happen when a debt has been disputed. 
Id like a copy of any policies procedures manuals or training XXXX XXXX was subject to at the time of the call The original signed contract of the alleged credit card. 
Original alleged credit card agreement Inception to date accounting of the same account In the event the alleged credit card agreement has changed between inception and today, Id like a copy of every version in between along with when it was sent and what address and person it was sent to. Provide the mark up of what changed between agreements. 

The firm MJRF has refused to provide this on the grounds " As previously stated, if there is any information that you wish to request please do so formally pursuant to the court rules and procedures and not via email. " XXXX XXXX does not provide details on how she would like me to request this information. 

I believe I absolutely have a right to view a signed agreement of an alleged credit card, and an accounting of all payments made on that card inception to date. 

Further, from what I can see the court does not deal with discovery. I do not have a crystal ball, and if XXXX XXXX wants me to do something in particular, she needs to state what it is. 

This secrecy around debt collection is I believe illegal. 

I would not be allowed to tell MJRF that they owe me a XXXXXXXX XXXX and that I had " validated '' it without any proof. They should be required to interact with me. 

Further, XXXX XXXX, despite claiming that " all phones are working '' is hard to contact. You will see in the attached email she takes over a week to get back to me. If you call the phone numbers they go to voicemail. 

As a debt collection firm, XXXX has a duty to provide a point of contact who can promptly respond. 

I would not object to them taking 24 hours or saying they need time, but I think this is ridiculous
Consumer complaint received 2017-02-07
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: NATIONSTAR MORTGAGE LLC (IL)

I filed a previous complaint Case number : XXXX related to NationStar Mortgage posting hard copy unauthorized credit inquiries on XX/XX/XXXX that to date still have not been removed. I filed a Dispute to their letter dated XX/XX/XXXX that was very dishonest in the way it was written with a story line made for a XXXX sitcom. To date XX/XX/XXXX the unauthorized credit inquiries still remain on my wife 's and my credit report.
Consumer complaint received 2024-07-15
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BMO Bank, N.A. (WA)

Why is BMO calling me now, when I'm no longer a customer? The communication for resolution from BMO, is to remain posted with the CFPB. XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX BMO Bank N.A . stated the following : " On XX/XX/XXXX, a credit balance refund of {$27.00} was sent to you. On XX/XX/XXXX, the check was cashed. Attached is a copy of the endorsed check. '' No copy, of this refund check was attached in the CFPB response, as a refund check was never received by me. Second request, access a copy of the described refund check endorsed- can you please mail it or make it available online with this complaint notification? 

XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX BMO Bank N.A . stated the following : " Our records indicate you were assessed a {$27.00} XXXX XXXX XXXX on XX/XX/XXXX due to an automatic payment made on XX/XX/XXXX that was returned for non-sufficient funds. '' This is the first time, since discovery of the BMO erroneous credit card fee, any of the BMO representatives I spoke with, could try to conjure explanation for the mystery fee. I'm requesting a copy of these said details of the automatic payment described. 
Again, I was told many times by BMO representatives they had no reason, to charge a fee, they didn't know or couldn't find any internal BMO 'fee description ' matching it. I was told the the {$27.00}. plus my rewards funds would be refunded to me, has referenced CFPB # XXXX.
Consumer complaint received 2024-07-13
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

I am writing to formally file a complaint against Bank of America regarding an unresolved issue with a credit card account that has persisted for approximately XXXX year ago. 

I opened a credit card account with Bank of America, which I subsequently paid off in full and ceased using years ago. However, despite having settled the account, I began receiving charges on the account approximately XXXX  year ago. I promptly disputed these charges with Bank of America, yet the disputes have not been satisfactorily resolved. 

Despite my continuous efforts to resolve this matter, including multiple phone calls and written disputes, I continue to receive bills for this account. I have made payments on these charges solely to avoid any negative impact on my credit rating. It is worth noting that I do not possess the physical credit card associated with this account. 

Furthermore, I have encountered significant difficulties in reaching a live person through Bank of America 's customer service. The quality of customer service has been extremely poor, and the process of attempting to resolve this issue has been frustrating and time-consuming. 

I am seeking the Consumer Financial Protection Bureau 's assistance in resolving this matter promptly. I request that Bank of America cease all further charges to this account, investigate the legitimacy of the charges already billed, and ensure that my credit rating is not adversely affected by this ongoing issue. 

Thank you for your attention to this matter. I look forward to your assistance in resolving this issue swiftly and justly
Consumer complaint received 2023-11-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NY)

My Federal loans are being handled by MOHELA. I have received confirmation that my autopay is verified. The first month it did not work so I made my payment manually. My MOHELA account says the next payment will be deducted next week, however, I received an email for Federal Student Aid stating I missed a payment and now my credit score has decreased. I cant get anyone in the phone at Federal Student Aid or MOHELA.
Consumer complaint received 2023-05-10
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. (IN)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2019-01-16
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: Midwest Recovery Systems (IN)

Noticed a collection account from a Midwest Recovery Systems that first appeared on my credit report in XX/XX/2018 for {$480.00} I sent two certified letters demanding debt validation with return receipt. First one dated XX/XX/2018, the second XXXX XX/XX/2018. No response was received from either letter. ( Copies attached ) This account is not mine and I dispute as was outlined in the letters I sent. 

I want this information removed from my XXXX  and XXXX  credit reports immediately.
Consumer complaint received 2024-07-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: JPMORGAN CHASE & CO. (MA)

I have a XXXX ARM with Chase, beginning inXXXXThe first adjustment was made XXXX, XXXX  My rate went from 3.62 to 8 %. My understanding is the rate can only go up no more than 2 % annually. Chase says the initial adjustment can be up to XXXX points. That is not documented. My payment went up nearly {$600.00} per month.
Consumer complaint received 2024-07-13
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC. (NJ)

Santander consumer USA reporting incorrect information on my report And this error causes significant damage /harm to my report To calculate the number of days between XX/XX/XXXX and XX/XX/XXXX, we can count the days : XX/XX/2015, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX There are XXXX  days between XX/XX/XXXX and XX/XX/XXXX. 

If you're considering a XXXX late payment period, and the payment was due on XX/XX/XXXX, then the XXXX period would end on XX/XX/XXXX. 

In this case, the payment would be considered late between XX/XX/XXXX and XX/XX/XXXX ( XXXX XXXX ). 

.
Consumer complaint received 2024-07-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (CA)

I reported identity theft on card ending in XXXX months, years went by while I waited for credits. I do not shop at Macys. I am currently receiving statements from Macy 's on a card ending in XXXX which just started. I do not have a Macy 's Credit Card. At the same time I am receiving collection letters from XXXX XXXX XXXX XXXX regarding the same Macy 's Account. I have sent a Cease and Desist to XXXX. Macys is now sending me a form letter threatening to update my credit reports with this fraudulent account ending in XXXX. The Macys Identity Theft Claim on XXXX  needs to be closed properly.
Consumer complaint received 2024-07-12
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: JPMORGAN CHASE & CO. (CA)

On XX/XX/year> I was working when I realized my shared XXXX  XXXX card was being used. I thought it was the authorized user who made the purchase and when I checked with them it wasn't. I reported the card stolen to XXXX  XXXX and was issued a credit and a new card was given to me. I continued working as I could not leave and I checked my debit card to not see anything out of the ordinary at XXXX  glance. I checked outside and my car and my wallet was there or in the house. I have XXXX phones XXXX for business and XXXX for personal use. I was trying to find my XXXX  phone when I realized it wasn't there either and I logged into chase account to see that there XXXX charges on my chase sapphire credit card for XXXX XXXX XXXX XXXX XXXX XXXX and XXXX for XXXX. I called chase reported it stolen and was credited the amounts back after a XXXX. XXXX  XXXX later they are saying I made the purchases and that I never reported the card stolen and I did which is why a new card was given to me. I even offered the police report the XXXX and they said they didn't need it and today XX/XX/XXXX they are asking for it but won't refund me the total amount they are charging me.
Consumer complaint received 2024-07-12
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc. (SC)

I closed a Credit Card with Comenity Bank on XX/XX/2024. They verified via email that this account was closed with a XXXX balance. This was account they handle for XXXX XXXX. 

Comenity Bank has continued to bill me monthly for charges on this account. When I attempted to file a complaint with the XXXX of XXXX XXXX I explained my complaint and attached a .pdf copy of Comenity Banks ' correspondence from XX/XX/2024 confirming my account has been closed. I also attached a recent statement sent via email from Comenity indicating I owe them {$43.00}. I demanded that Comenity Bank stop charging me on a closed account. 

I received a response from the XXXX with the following information from Comenity Bank. " Your complaint has been reviewed and forwarded to the business. 

Please note that Comenity Bank is one of many businesses that do not share customer information with third parties, other than their direct customer. Their policy is to contact their customer ( s ) directly regarding issues about their accounts/ policies, etc., citing privacy concerns of confidential customer information. 

Comenity Bank will respond to you directly regarding your dispute issues. If you disagree with what Comenity Bank said, XXXX may be able to provide further assistance. '' Comenity Bank has not responded but instead immediately placed two records on my XXXX credit report. One indicating 60 days and one indicating 90 days late. I can only interpret this as being retaliatory for filing a complaint. 

I also sent Comentiy Bank another email following this action regarding this account along with the attachments mentioned in this report above. There has still been XXXX response. I also notified them that if this is not resolved I will be pursuing civil actions. The posting of multiple records on my credit report merely from an attempt to resolve an error is unacceptable. I am willing to pursue whatever actions are available to resolve this in court.
Consumer complaint received 2022-12-05
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. (FL)

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-07-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (DC)

XX/XX/XXXX issued a stop payment order on a check for {$3000.00} WFC advised the check had been stolen and directed i take this action On XX/XX/XXXX WFC accepted the stolen check that had been washed and deposited at a XXXX ATM. the XXXX fraudulent check was debited from my account. the check was debited XXXX week after the XX/XX/XXXX stop payment order had been filed. WFC has the records of the washed, fraudulent check and the stop payment order. 
since that time I have talked to XXXX WFC departments : Account Takeover, Online Fraud, On line tech support, everyday banking, customer service, customer advocate, compliance exec office, claims and premier banker local branch. 
latest status is WFC still investigating what happened. Customer advocate has noted that the Stop payment was not honored due to a WFC error. Claims now says received report on XX/XX/XXXX and telling me to wait for another 10 days. Claims says they are investigating why this fraudulent check was accepted. Trying to determine if WFC or XXXX made the error. Compliance exec says there would be another waiting period before crediting to my account. meanwhile i have been out the XXXX since XX/XX/XXXX.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

The existence of this account has caused me significant XXXX, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX # XXXX, has violated my rights. 

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 an account without my written instructions
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

Company is reporting inaccurate information on my credit report. I have contacted the local bankruptcy court in my country and they have no records of a bankruptcy in my name. Account number XXXX should have been removed in XXXX Please see supporting documents and remove immediately.
Consumer complaint received 2024-07-12
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: CREDIT ACCEPTANCE CORPORATION (KY)

I was contacted by this man about a car I purchased new in XXXX sold in XXXX it has been sold multiple times since I sold the car to people that I do not know and they keep XXXX me I sent him all the info I have I sold to XXXX XXXX XXXX XXXXXXXX XXXX, Please send me your story regarding the purchase of the vehicle in my letter. If you remember state when purchased, location, price. When it was sold and to who. Your contact with repo man and what happened. Thanks send to XXXX My letter should have all my contact information. 
Dear XXXX XXXX, I am contacting you directly about a letter I received in reference to a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX that I purchased new at XXXX XXXX XXXX XXXXXXXX XXXX in XXXX brand new traded in XXXX XXXX XXXX XXXX at the time I purchased the XXXX. I sold the XXXX XXXX in XXXX to XXXX XXXXXXXX in XXXX XXXX XXXX XXXX XXXX XXXX lady with XXXX did the paper work and also paid my loan off though I believe to have been XXXX at the time! 
I was contacted by XXXX XXXX from a XXXX XXXX couple or so months back because he knew who I was to make sure I hadnt repurchased this car or if I knew the new owner as I explained to him I didnt so he said he would reach out to whom he needed I do not know these men XXXX XXXX XXXX XXXX XXXX and I have had no contact with the XXXXXXXX since I sold it in XXXX! 


Thanks XXXX XXXX XXXX
Consumer complaint received 2024-07-12
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (MO)

XX/XX/year> I was sent electronic correspondence from company, letter would not open had to call customer service was told that credit limit was lowered by {$100.00} ( Never been late and never missed a payment ) This is the second time they have lowered it without reason. They are sending me the letter via US Mail but says it will take XXXX days to get it.