davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

My credit card payment is due on the XXXX of each month. On XXXX XXXX I made a payment on my account. However I was charged a past due fee. I reached out to capital one to resolve this issue and I was told the late fee couldnt be reversed.
Consumer complaint received 2022-12-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

open checking account to help myself manage my personal expensed and small investments on coins. My last deposit of {$75000.00} was questioned me by agents of Capital One 360 checking account. 
then, I sent to a reputable company a wire of {$50000.00} to buy coins and it was returned, and got an e-mail saying that my account would be closed and the balance in this checking account {$73000.00}, would be mail to me within XXXX days ( I got this on an email notification on XX/XX/22. 
Never got the reason or reasons of why. Call them several times, and it has been a month, when I call the agent says that my account is under investigation, but never discuss what kind of investigation. 
XX/XX/22 is been a whole month about this issue, and up to today, Capital one 360 restrictions answers my call telling me that the investigation still on, but account is on restrictions and closed.??? 
where is my money {$73000.00}, if they closing the account since XX/XX/22???? 
what should I do next?
Consumer complaint received 2020-08-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$160.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/2020 and the subsequent response received on XX/XX/2020 enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- COLLECTION ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$160.00} -This is not my account.
Consumer complaint received 2022-12-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Allgate Financial, LLC (MD)

I attempted to inquire about my rights under the FDCPA, as debt charged off to a debt collector could be construed as an unwarranted search or seizure ; the debt collector did not particularly identify what type of debt it was. 

The information I got was not helpful in resolving the debt.
Consumer complaint received 2020-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (FL)

I have contacted Experian multiple times about the inability for me to obtain my Experain credit report and score. Recently I have applied for credit from 2 banks, and they have not been able to obtain my credit report.
Consumer complaint received 2020-08-17
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: LEXISNEXIS (FL)

Personal statement : checking my credit for a store card application I realize that there were accounts in my credit that are not mine. These accounts were opened without my knowledge, also back in XX/XX/2020 my debit card and my XXXX XXXX credit car account were clone and illegal charges were placed in these accounts, I called the banks and XXXX XXXX. They proceeded to cancel these cards numbers an reissued new cards. Please note these for future issues, Thank you. 









I need the removal of these accouts from my credit.
Consumer complaint received 2022-11-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: SANTANDER HOLDINGS USA, INC. (MA)

In XXXX  I took out a loan for a used vehicle with a shady dealership no longer in business that had me sign multiple blank documents stating that they needed to submit multiple offers to multiple banks. The price was changed from XXXX to XXXX without my knowledge. 
I was young, XXXX, XXXX and single mother living in public housing. 
I was a victim of predatory subprime lending. I do not believe Santander gave my information to include me in settlement. In addition to this I recently asked for a copy of my payment history and noticed every month I was charged late payment fees even though I paid full amount on auto payments monthly and biweekly through my bank. These late payment charges were also compounded by interest they were charging. Lastly when the car was totaled my insurance paid full market value of the vehicle and I was told it was settled and paid off. Santander continued to add charges and fees and are reporting balance of over XXXX despite 3yrs of payments and a lump sum insurance payment. They have also altered the first late payment by several months to keep on my report additional time.
Consumer complaint received 2022-10-31
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (PA)

Toyota Financial services holds the loan for my car. XXXX XXXX XX/XX/XXXX ) they called for collection and I couldn't speak to an agent. I called them back at XXXX XXXX on XX/XX/XXXX. I spoke to an agent and did not catch her name, however they said all calls are recorded. The agent informed me that this was an attempt to collect a debt. She proceeded to lie to me about what I owed. She said I was one payment past due when I was really two. She told me my next payment was due on XX/XX/XXXX when in truth it is due on XX/XX/XXXX. This felt like Toyota was lying in an attempt to trick me into defaulting on my loan. I called back afterwards and spoke to a supervisor at XXXX on XX/XX/XXXX. She confirmed that I was correct and that i was 2 payments overdue and my next bill was on XX/XX/XXXX. She could not tell me why the XXXXXXXX XXXX lied about how much I owed or how they would resolve the issue. They said I can expect to year back in up to XXXXXXXX XXXX. I really feel like this was a trick to get me to default on my loan. Now I can not be sure of anything toyota financial says. I would like this remedied.
Consumer complaint received 2020-08-17
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

On ( XX/XX/2020 ) I wrote to XXXX and TransUnion about inaccurate accounts on my credit report and still haven't received any investigation results back. Today XX/XX/2020 makes a full 30 days and from what I know they have 30 days to do an investigation.
Consumer complaint received 2020-08-17
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On ( XX/XX/2020 ) I wrote to XXXX, TransUnion and XXXX  about inaccurate accounts on my credit report and still haven't received any investigation results back. Today XX/XX/2020 makes a full 30 days and from what I know they have 30 days to do an investigation.
Consumer complaint received 2020-06-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I'm going to start from the very beginning again with this complaint. At the end of XX/XX/XXXX I submitted a complaint about Capital one to CFPB because of a secured credit card I applied for in XX/XX/XXXX, which was approved. I gave a deposit of {$250.00}, they took the deposit and never gave me a card. I communicated with them over the phone numerous times, nothing worked. Even when they promised me a card in the mail, they still didn't keep their word. Apparently, there was an issue of me identifying myself, which I tried to do numerous times using their useless link that never worked. They never cared to resolve the matter another way anyway. They also kept my deposit and never tried to reach out to help me resolve the issue. I guess it's just easier for them to keep money that isn't theirs than to actually give good customer service. Fast forward, I realized they will never send me a card so I made this complaint and they sent me a letter denying all the important things I stated in my first complaint because and I quote " we were unable to find any calls where you were provided the information you submitted in your complaint. '' Understand that my credit is fairly unused and inaccessible even to me. Reason why I even bothered applying for a credit card with them, to establish my credit.Very recently, I accessed my credit history and found out there was a fraudulent Capital One credit card opened in my name almost a year ago, XXXX of XXXX. How Capital One was able to get ID verification for that fake account, I do not know. I wasn't able to get a credit card with them but somehow a fraudulent one was so easily approved by them. Everything is so suspicious about that account that I'm starting to think this is an internal issue within Capital One. Like how the balance on the card is more than double the limit and the past due is {$0.00} while the unpaid balance is {$610.00}. Like how the account has been paid since XXXX of XXXX, maybe for XXXX but XXXX, XXXX and even XXXX of XXXX were not paid but it shows as up to date and paid, so suspicious. I briefly mentioned the fraudulent account in my first complaint in a file that I sent them, although looks like they didn't even look at any of the picture proof I sent. I screenshot everything so they see the proof, which I will do a second time for this new complaint. Hopefully they bother to even look at them because I'm going to fight to get this fake card removed off my credit as it is completely unfair that Capital One can so easily approve fraud accounts but not real ones when the real owner request it. If any additional information is needed of me, let me know so I can send them by email. I started reporting everything and will continue to do so. I want a {$250.00} refund and the fake account in my name to be closed by Capital One.
Consumer complaint received 2020-08-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: On Q Financial (SC)

My home has been appraised by a bank appraiser that I did not get to chose, and my home is now valued at {$190000.00} while my current loan has {$150000.00} remaining. I called on XX/XX/2020 and the mortgage lender, ONQ Financial, told me I was splitting hairs and that they would not remove the mortgage insurance premium. I called back on XX/XX/2020 to discuss further as I have 20 % equity in my home and believe that is NOT splitting. I should be allowed to remove PMI from my loan. Now I am being told I will have to have another appraisal done by an appraiser of their choice. If they want to pay for the appraisal, that would be okay, however they want me to pay for a second independent appraisal. I feel I am being gouged by being forced to pay PMI that should have been removed when my loan reached 80 % of appraised value. That has been achieved and the PMI should be removed.
Consumer complaint received 2022-12-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (AZ)

On XX/XX/XXXX I made a payment with my debit card to XXXX XXXX for amount of {$940.00} XXXX per my statement. A few days later I did not recognize the payment on my online account and called the bank and stopped payment on it, so it came back into my account on XX/XX/XXXX. I then remembered what the payment was for and called the bank again to ask if I should make the payment again or what could they do. They said they would take care of it and that there was nothing more that I needed to do at this time. SO it came back out of my account per my statement on XX/XX/XXXX. ( So, at this point it has gone out, come back in, and then out again per my statement ). 

XXXX XXXX has been calling us looking for their money and when they call, we contact the Chase bank and I keep getting told that they will receive their monies. It went out on XX/XX/XXXX and it takes a bit to receive the monies since it was stopped and no again sent back out. 

Many many months of this back and forth and being transferred to numerous peeps and 2 trips into the bank, have been told there is nothing Chase can do at this time. XXXX XXXX has received their monies and nothing they XXXX XXXX that wen do. What I do not understand, is how or why? It is out of my account and I am out of {$940.00}. 

I have been on the phone with XXXX XXXX again numerous times and for many hours as well, and they say once the monies has been denied like it is and was, proof will be attached, that they did not receive the monies, because there is no authorization code and they have not received it either. So, my monies is in lalala land and I am out {$940.00} XXXX. They show that they received the 1st payment of {$940.00} and then the returned {$940.00}, but nothing on the actual third payment of {$940.00}, which I was told by Chase that they received on XX/XX/XXXX, which they have not received it. 

All I want and need to know, is where my monies is and why it is not back in my account where it belongs or why XXXX XXXX has not received it. ( Have paid the car off now in total as of XX/XX/XXXX, which included the {$940.00} payment in full again, since they did not receive the payment in XXXX and was charged all the late fees as well. 

I have done everything that everyone has asked of me and yet neither one ( Chase nor XXXX XXXX ) will speak to one another to figure this out or talk the verbiage that everyone is using to get this issue resolved. I am tired of fighting over this and need a resolution as soon as possible please and thanks in advance.
Consumer complaint received 2020-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION (TN)

I contacted Fifth Third Bank in XXXX to request additional payment assistance as a result of being impacted by Covid-19 and the economic shutdown. I was informed that I could get on a hardship payment plan that was to include reduced payments of {$31.00} per month and 6 months of 0 % APR and that there would be no negative credit reporting. 

I agreed to these terms and I was told that I was enrolled and the plan. I made my first {$31.00} payment on the same day. 

It now appears that even though I made my {$31.00} payment as agreed, I was never enrolled in any sort of hardship program, my minimum payments have not been adjusted, and this account is reporting to the credit bureaus as delinquent.
Consumer complaint received 2020-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I applied for a AAA visa credit issued by bank of america in XX/XX/2020. I never received a decline letter from them. I was called by representative to provide further information and that they would get back to me. They never gave a reason as to why I was not approved. Furthermore, three other family attempted to apply for the same credit card and they were all given denials without a reason. I feel as if bank of america is unfairly denying myself and family members from the same household without a reason. 

I would like a fair reason as to why I am getting denied from this product. 

application number : XXXX
Consumer complaint received 2020-06-16
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: Experian Information Solutions Inc. (GA)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. 

Initial dispute sent XX/XX/2020 30 Day demand to comply sent XX/XX/2020
Consumer complaint received 2022-11-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TN)

I signed up for a new home insurance policy for the internal structure of my town home. XXXX XXXX  stated the payments could come out of my monthly mortgage payments. I increased my monthly mortgage rate and XXXX XXXX sent the statements to Wells Fargo. Wells Fargo didn't make any of the payments resulting in the cancellation of policy # XXXX. Since the policy cancelled and it wasn't my fault I submitted a complaint to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX XXXX responded to the complaint XXXX XXXX. He stated the issue was caused by Wells Fargo and they should pay the outstanding {$290.00} to XXXX XXXX due to their failure to pay the request that were sent. The record shows the mortgage payments were increased during the time of the intended insurance dates and wasn't reduced until the policy was cancelled due to failed payment.
Consumer complaint received 2020-08-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (IN)

I had to file a previous complaint to get Freedom Mortgage to address a previous payment issue. When addressing that issue they created another issue. They now say I owe a late fee of {$27.00}. If anyone is owed a late fee it is me. They refused to apply a payment made for at least 4 months. I have no idea why they now say I owe a late fee. I have called several times and no one understands what is going on. They say the manager will call back, but they never do.
Consumer complaint received 2024-04-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ALLY FINANCIAL INC. (TX)

This is a copy of the letter I sent CFPB on XX/XX/2024, to the address I was told to send it when I called on or about the above-referenced date. 

Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attention : Consumer Guide XXXX XXXX : Ally Bank Account Number : XXXX Debit Card : XXXX Fraudulent Charge Dear Sir/Madam : I have been trying to resolve a Fraudulent Charge mode on my Debit Card with Ally Bank XXXX I send a letter to Federal Reserve Consumer Help On XX/XX/2024 and received a email fro them on XX/XX/2024. I wrongly believed that they had forwarded the information to you. 

On XX/XX/2024, I called the CFPB to inquiry about the status of the complaint and spoke to XXXX XXXX XXXX who questioned why they had not forward it to you. 

Therefore, I am sending to you the package I sent to The Federal Reserve Consumer Help. 
The Following items are enclosed : 1. The Dispute Investigation Completed Letter. 
2. A copy of the Certified Mail Receipt for the letter to XXXX XXXX ( The tracking number shows that the letter was delivered on Friday, XXXX XXXX XXXX XXXX XXXX, and left with the individual ). 
3. Letter to XXXX XXXX XXXX. Copy of the U.S. Postal Service Certified Mail receipt.

If you need further information, please get in touch with me. 
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