davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

Capital one has a quick silver credit card promotion-offer for all whom qualify for the card and spend {$500.00} in the first three months. 

The only terms are, get approved for the card and spend {$500.00} in the first 3 months and recieve a {$200.00} rewards credit. 

I spent over {$500.00} within the firdt 3 months and capital One only gave me {$150.00}. 

I called and filed a complaint # XXXX And it was reviewed on XX/XX/2021. 

I called to follow up on XX/XX/2021 at XXXX XXXX To the super isor of customer care XXXX ID XXXX women named XXXX XXXX told me I recieved {$150.00} credit instead of the advertised {$200.00} because " you did. Ot meet the criteria for the {$200.00} dollars. '' I asked her what criteria she was refering to and she responded by saying " our criteria is internal and we do not give that information to our customers '' She also refused to give me and documentation of my report and why I was denied the advertised promotion.
Consumer complaint received 2021-05-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc. (MO)

I have purchased cryptocurrency from Binance.US and also transferred cryptocurrency from other wallets to my Binance.US wallet. I have been unable to access any of those funds, withdraw any of the cash I've had ( XXXX ), or even withdraw any of the cryptocurrency for at least 3 weeks. The last time I was able to successfully withdraw funds was XX/XX/2021. 

I have reached out to Binance.US NUMEROUS times, including about this issue. I issued my first ticket to them when I had trading disabled in XXXX, and I still have not received a response even to that inquiry, despite having submitted something in response to an automated message that purported to allow me to " escalate '' my issue. 
I have tried every form of communication they have for contacting them and have received nothing in response. At this point, I have {$5200.00} of assets and can not withdraw any of them. I can sell cryptocurrency ( albeit at a worse exchange rate than the market since " trading '' has been disabled for me since XXXX XXXX, but I can not withdraw the USD after doing so. I am still able to deposit from the bank accounts to which I sought to withdraw funds. So they allow me to put money or coins into my wallets with Binance.US, but I can not take anything out. I have tried various currencies and various amounts, and I keep getting the automated message " withdrawals suspended due to risk management. '' Researching this issue online provides a number of possible reasons for this message, but none of them apply to me. 

I do have two cryptocurrency purchases that are still within a 10-day hold period, so I understand that I would not be able to completely liquidate my account, but I was unable to withdraw cash prior to making these purchases, and I have tried withdrawing assets that have been in the account since early XXXX and get the same message. Those would not be subject to any sort of hold. In any event, I am extremely alarmed because I can not access any of these assets and can not get ANY response from them about anything and haven't been able to do so for months. I would like to be able to withdraw everything and cancel my account, but there is not even a way for me to do that. 

I have threatened them with legal action if they did not respond by Friday, XX/XX/2021, but they did not respond. I wanted to seek CFPB 's help before filing a lawsuit because of the costs associated with filing suit. 

I did have a few failed deposits in the past, and one chargeback, but those were some time ago, and were for small sums under {$300.00}, and I immediately replenished the account, so certainly that does not justify a complete lockdown of my account and in particular an inability to withdraw assets that I didn't even purchase through Binance.US. Those were mistakes due to me using the wrong account in the app, which is somewhat difficult to navigate. Certainly, it is not excuse for essentially converting over {$5000.00} in assets.
Consumer complaint received 2021-05-26
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO. (CA)

OnXX/XX/XXXX I opened a Chase XXXX Rewards Visa Prepaid card. My prepaid card was closed a few days later by Chase Bank. Chase supposedly issued me a refund check for a {$100.00} my initial deposit. I never received this refund check. I was suppose to get it by XX/XX/XXXX. 

I have called several times and went to the local Chase bank to resolve this issue with the banker that opened my checking account onXX/XX/XXXX. Which was also closed a few days later by chase. I was able to get my money back from the checking account. Not the prepaid XXXX reward card. 

I'm getting the run around. Calling or going inside the bank is a waste of time. I just want my refund check reissued to me again since I didn't get the first check issued.
Consumer complaint received 2023-06-30
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. (VA)

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 2021-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

XXXX - XXXX XXXX reported me for being late on my mortgage payment for XX/XX/2021 in the amount of XXXX. During the pandemic I am struggling to keep afloat and pay them within every month. My mortgage payment is XXXX. If I am current in XXXX & XXXX How can I be delinquent XXXX in XXXX? This is incorrect reporting. I might not pay on the first but I never pay after 30 days. This not fair to people that work hard to make ends meet. You have people that are on forbearances because of COVID19 that can afford to pay. I have been affected by COVID19, and I am making ends meet but this is how they treat me. Report inaccurate information on my credit report and call me daily. I requested a Life of Loan payment history, and Escrow Analysis. I still have not received that. They are sending me letters requesting foreclosure fees paid, when the loan was modified and foreclose fees are included in the MOD balance as capitalized interest. This company is doing illegal things. I would like a copy of the lifetime of the loan payment history and escrow. So, I can look at the capitalized interest. this is a new servicer, and they are like a debit collector. You cant collect on fees that are included in the balance when the loan were modified.
Consumer complaint received 2018-06-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (AL)

I continue to make an additional loan payment each month. I direct the payment to be applied to my smallest balance loan but Navient continues to post the payment to both loans XXXX which are consolidated ) which in turn applies more of my extra payment to interest. Due date is the XXXX of each month. 
XX/XX/18 extra pmt of {$80.00}. Applied correctly {$77.00} principal and {$2.00} interest. 
XX/XX/18 extra pmt of {$80.00}. Applied incorrectly {$48.00} principal and {$31.00} interest. 
XX/XX/18 Contacted Navient by phone. They stated they would correct the payment posting. It appears they re-applied {$10.00} to the principal but this isn't correct. Now {$59.00} principal and {$20.00} interest. Daily interest is {$1.00}. XXXX days of interest would be {$4.00} not {$20.00}. 
XX/XX/18 extra pmt of {$80.00}. Applied incorrectly again. {$48.00} principal and {$31.00} interest. 
XX/XX/18 I emailed Navient requesting they re-apply both payments correctly. 

I would like to make extra payments each month and have them applied as directed without having to call and wait on hold for an extended period of time trying to get the payment posted correctly, to no avail.
Consumer complaint received 2017-04-07
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO. (CA)

The lease company Mazda capital services ( through Chase ) makes you set up automatic payments from your checking bank account to pay for lease. My lease ended on XX/XX/2017, but the automatic payments continued to be withdrawn. I noticed it in XX/XX/XXXX and called Mazda capital services. They said they can not refund my payment now, they will give it back in the next 10 weeks! I am without my money for 10 weeks, and feel they were taken fraudulently from me, as the lease ended, but the company continued withdrawing payments. If they do it, they have to pay interest on the money that they take from customers this way!
Consumer complaint received 2023-02-20
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This has been an issue for several years. I hand-wrote a letter to TransUnion because TransUnion states they are continually verifying an erroneous bankruptcy on my credit file, yet they have not and will not provide the process by which they verified the information. 

They state is was verified by the USBK COURT NORTHERN GEORGIA, yet I have letters stating from the bankruptcy courts they do not provide information to credit reporting agencies nor do they validate or confirm public records due to the FAIR CREDIT REPORTING AGENCY PRIVACY LAW. Per the Federal Credit Reporting Act section 609 ( a ) ( 1 ) ( a ) it states that you are required through federal law to verify through " Physical Verification '' of the original signed consumer contract and or judgments, all accounts and public information you post on anyone 's credit report. I asked TransUnion for verifiable proof and to provide me with : 1. All documents associated with this public record account bearing either a Court order to place this information on my credit report, or my authorization of release bearing my signature 2. All documentation as to how this was investigated 3. The name of the person in the county recorders of deeds office that they spoke to and the date they validated 4. The name of the person in the bankruptcy, court in XXXX, XXXX  that they spoke to and the date they validated in Person 5. The phone numbers to both individuals that TransUnion spoke to that validated the said public record at XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX  XXXX as they stated they did in their letter to me 6. The name of the person from Transunion that supposedly validated the erroneous public record Also, I have been informed that XXXX has removed the erroneous bankruptcy from my credit file and sent information to TransUnion, XXXX, and XXXX to also remove the erroneous public record from my credit file. As of today, XX/XX/2023 TransUnion is the only reporting agency that has yet to remove this from my credit report. 

Based on Metro 2 Compliance and The 5 Points of Compliance is said that if an account is " modified '' or " deleted '', carbon copies are sent to each CRA with whom the DF has a reporting relationship. They are required to send carbon copies to ALL places they have reporting relationships with that they have shared that reporting. This doesn't mean just for that one bureau, or for just the main 3 bureaus, but ANY data furnisher they do business with in regards to this client. 

TransUnion is deliberately breaking the law! They continuously send fabricated letters stating things have been validated but never provide a process, how they validate or even follow the metro 2 standard that they claim they adhere to.
Consumer complaint received 2021-05-26
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
I have wrong addresses that do not belong to me. 
There are late payments and other accounts that are reported late and charged off that are not true. 
I see an account that does not belong to me.
Consumer complaint received 2021-05-26
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: WHEELS FINANCIAL GROUP, LLC. (CA)

I was a XXXX XXXX Customer. I received a title loan on my car and I paid that loan off since the interest rate is extremely high. Again I was contacted by loanmart to get another XXXX XXXX on my vehicle. They were charging me an entirely High rate for {$2500.00}. They have charged me over {$10000.00} in fees. XXXX Stole my car from my driveway and sold it and took all the money which was way above {$2500.00}. They should be on The Blacklist 4 charging customers High interest rates for title loans in selling their car without their knowledge. Now for the past three years they are damaging my credit report and I'm not able to buy a vehicle. Basically I have to take the bus because of XXXX. I am forwarding this complaint to the XXXX XXXX XXXX and XXXX XXXX XXXX so they do not Target any more customers like me and be the victim of their High interest rate and selling their car without their knowledge and also destroying their credit. find me XXXX year old XXXX woman, which XXXX is fully aware of and my husband passed away in 2018 from XXXX and at this moment I only have food stamps and I'm waiting for my XXXX approval and I can not get housing or apply for anything because of XXXX. They charged {$10000.00} for {$2500.00} plus sold my car
Consumer complaint received 2021-05-26
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Rausch Sturm LLP (NJ)

This company calls my landline several time per day about what I do not know. I have put their number on a blocking list and have spam blockers on my system, but the number still gets through. I have stellar credit, have no consumer or any other kind of dept, and pay my bills. I have no idea what they are calling about and will not respond to their harrassment. Please lodge my complaint and forbid them to contact me by telephone.
Consumer complaint received 2021-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Mr. Cooper Group Inc. (FL)

I sent in my check for my mortgage payment inXX/XX/XXXX There was an issue reading the check numbers written and Mr. Cooper was unable to process full payment. Mr. Cooper never notified me of the problem till the following month. Once I was notified of error I resubmitted payment. They waived the charge of the late fee because they never contacted me on issue. A few months later my credit score went down and I found out Mr. Cooper reported me as a late charge which was incorrect. I called Mr. Cooper and they told me to send and email and they would undue the hit on credit score. I have emailed them 3 times and no response. Manager at Mr. Cooper said it has to go through email and nothing they can do.
Consumer complaint received 2021-05-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (IL)

XX/XX/XXXX - Noticed collection on XXXX report XX/XX/XXXX - sent a letter asking to validate the debt via USPS certified mail XX/XX/XXXX - received a letter from collection agency XX/XX/XXXX - sent a letter to collection agency stating that I did not received the information requested XX/XX/XXXX - debt was updated on my XXXX report
Consumer complaint received 2021-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

Good day I am contacting you to report Capital One credit reporting I paid off this credit card at mid XXXX and they didn't report it till XXXX the XXXX when it was paid off I had a balance of {$14.00} now a company a merchant has wanted to my credit card account and over charge me for a purchase that I shouldn't be charged for so I'm disputing that with that merchant and with Capital One then credit report that I am over my limit which brought my score down XXXX points when they never brought my score up when I paid my credit card off and I think it's highly discriminatory and XXXX that they have not changed my score when I paid that card off their credit reporting is supposed to be over and done every XXXX of the month not on the XXXX of XXXX so now on the XXXX of XXXX they reported that I'm over my limit instead of raising my score when I paid the card off they never raised it they dropped my score even more XXXX points because of overcharge on my credit card which is not at my fault I am disputing all of this I want something done about this cuz I keep reporting I keep writing disputes with the credit bureaus and they never do nothing they say that the information is correct that they have it is not correct they never raise my score when I paid this card off when it's reported they waited until a negative charge hit my account and made my account negative again and I find that highly XXXX and discriminatory that they doing this to the poor community I have no reason to be in a negative light I'm trying to raise my score and they constantly keep knocking me down and I'm really freaking tired of it I want something done about it my score should be higher than what it is now I'm tied up the incorrect credit reporting so I want to know who is the highest power that I can get this taken care of with cuz I need to sue them and all of the credit bureaus for incorrect credit reporting that is my problem!
Consumer complaint received 2023-06-30
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: Experian Information Solutions Inc. (WI)

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 1681Collection Agency XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Collection Agency XXXX. XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Collection Agency XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Collection Agency XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights. 15 U.S.C 1681 section 602a states I have a right to privacy. 15 U.S.C 1681 section 604a 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 ) 7 ) 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 2021-05-26
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: LEXISNEXIS (VA)

Lexis Nexis is reporting an inaccurate bankruptcy on my credit report. I have reached out to the court house where the alleged bankruptcy was filed and they have assured me that they do not furnish this information. I have tried to solve the issue with lexis nexis and they only updated the information and did not provide their method of verification.
Consumer complaint received 2021-05-26
Product: Credit card or prepaid 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: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

On XX/XX/21 an online transaction was made at XXXX for {$290.00}. On XX/XX/21 another online transaction was made at XXXX for {$290.00}. On XX/XX/21 a third online transaction was made at XXXX for {$290.00}. On XX/XX/21 a fourth online transaction was made at Nordstroms for {$320.00}. The first three transactions hit my account on XX/XX/21. The fourth hit my account on XX/XX/21. 
On XX/XX/21, I received a text alert notifying me of the transactions and I immediately contacted Bank of America to dispute the charges. ( XXXX ) The credit card was canceled and a new card was issued. Initially, the charges were reversed and I was told the claim would be investigated. 
On XX/XX/21, I returned from a trip and went online to check my balance. I noticed that on XX/XX/21, the fraudulent charges had been put back on the card. I immediately contacted Bank of America and was told they would reopen the investigation. 
On XX/XX/21, I received a letter dated XX/XX/21 telling me that they could not approve my fraud claim. The reason provided : " The merchant provided documentation confirming you received the merchandise or service. '' At XXXX on XX/XX/21, I called the number provided on the letter ( XXXX ) and had a XXXX XXXX conversation with a representative. He provided the following information : ( 1 ) The purchases were all watches. ( 2 ) They were sent to a XXXX XXXX in XXXX, NY. ( 3 ) The items were received on XX/XX/21. ( 4 ) The email address given for the online purchases was a hotmail address that I won't include in the complaint and is CLOSE to my husbands, but not XXXX he has used. 
( 5 ) The fraud claim # is XXXX XXXX On XX/XX/21, I received a letter dated XX/XX/21 advising me that " we completed a re-evaluation of your credit card dispute for {$1200.00} - unfortunately, our decision to decline your fraud claim for this transaction ( s ) hasn't changed. '' " While you personally didn't make the charge ( s ), we confirmed it was made by an authorized user on the account or someone who has permission to use the card. '' My husband and I are the ONLY authorized users of the card. We did NOT give anyone permission to use the card. We have NOT purchased anything at XXXX online or in person, for many years. We do NOT know anyone named XXXX XXXX. We do NOT know anyone living in XXXX, NY, and have never even visited the town. 
It seems clear to me that Bank of America is unwilling to do a proper investigation of the claim and I see no point in contacting them again.