davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-05
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I paid a {$200.00} ( {$200.00} including fee ) deposit with a tattoo artist on XX/XX/XXXX which I ended up cancelling all appointments before any services were rendered. I then proceeded to call capital one to dispute the transaction and was given a temporary credit while they disputed with the vendor. In late XXXX I received a letter from capital one stating that the vendor had replied and that I needed to provide further documentation to support my claim, at this time the charge was also reapplied to my credit card. On XX/XX/XXXX I uploaded the requested documents to capital one 's website ( signed letter giving my statement and emails from when services were cancelled ). Per the letter I was to received a response in 10 business days but it is XX/XX/XXXX and I still can not get an answer. I've called on at least 7 separate occasions and have been placed on 15 + minutes holds to speak with a supervisor or the agents that I've talked to seem to be fumbling around and can not give me a concrete answer. I've also had the call be disconnected about 3 times and have even tried their chat support only to be told that the " secure connection was lost ''. I've been a long time customer with capital one and have never had an issue, I charge upwards of 25k on this credit card in a year and don't feel appreciated as a customer when a simple {$200.00} charge can't be refunded. I plan on taking this matter to the XXXX next if capital one does not sort this matter out.
Consumer complaint received 2020-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My complaint is against Transunion, XXXX, and XXXX  for incorrect information on my credit report. I had a debt with U.S. Department. of Veterans Affairs that was never put in collection that was paid in full. I contacted U.S. Department of Veterans Affairs on  XXXX XXXX, 2020, and asked why did they report a charge off on my credit report with Transunion, XXXX, and XXXX U.S. Dept. of Vets Affairs said they only reported paid in full they never told Transunion to enter a charge off on your credit report, in fact they  never say charge off only paid in full. Transunion, XXXX, and XXXX  how many Veterans have you done this to without the permission of U.S. Dept. of Vets Affairs it seem we have an big problem here. What I need for Transunion, XXXX, and XXXX  to do is remove the charge off from my credit report and put my credit score where it supposed to be expeditiously or I will be force to legal  action against Transunion, XXXX, and XXXX.
Consumer complaint received 2019-02-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (VA)

My name is XXXX XXXX and I had a small business account at TD Bank at XXXX XXXX XXXX XXXX, XXXX, VA XXXX. The name on the account was XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 

Three months ago I noticed a deposit of {$4000.00}. I had no idea who made the deposit and I went directly to my bank to see what was going on. It seems someone made 4 {$1000.00} deposits to the bank and I notified XXXX XXXX a financial services representative of the bank that this was a fraud. She then froze my account and I was locked out and I could not even get a to see my account online. 

In three days they found out that as I told them the checks were no good and the bank still keep my account frozen and charged me 4 {$20.00} fees and a charge for being overdrawn. I was not allowed to make any deposits into my account from the moment it was frozen.

The bank made me fill out an affidavit of fraud for each check and they sent me a copy of the check for me to review. All four check where never signed by issuing party and the signature on the back of the checks was not mine.

I have made 9 trips to the bank and I was informed that someone sent in another check for around {$9800.00} while the account was frozen and they accepted it but they have never shown me a copy of the check and this one also bounced and once again the charged me {$20.00} for a return check and {$35.00} for a service charge. 

I received a call from the fraud department and I made them call the head teller to verify that this person worked for the bank. After I talked to this individual he informed me that he was looking into the matter and would get back to me. I have never heard from this person since that call. 

I have been working with the head teller, assistant manager and two financial reps and I was informed that the bank was working on it and I had no worries and they were not going to do anything until the end of XXXX. 

At the end of XXXX, they closed my account and turned it over to a third party to collect the fees the bank charged for the bad checks, even though my account was frozen part of the time and they were warned that the checks were a fraud.
Consumer complaint received 2021-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I made a duplicate payment on my monthly credit card bill to Capital One in error. The amount was {$3700.00} and I notified them immediately. They acknowledged the duplicate payment and agreed to return the money by check in 14 days. I can wire transfer money to them but they can't wire to my bank cumon!!! Why do I have to wait 14 days. When I asked to speak to a manager or someone with more responsibility I was advised that there was no one available. If I am 14 days late on my payment I'm required to make late payments and interest fees. This is an absolute abuse of the consumer. In addition my duplicate payment was made XXXX and it is now XX/XX/21 and I still have not received my money. Furthermore I had to pay a {$15.00} fee because my account went under the minimum as a result of the payment.
Consumer complaint received 2019-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. IT HAS BECAME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. PLEASE KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2019-02-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NV)

Mortgage company Shellpoint mortgage continues to refuse to send out monthly billing statements. On several occasions I have called and requested a statement and have not received one. Additionally, they do not show up to date information on previous payments, and I have noticed that principle payments that were made along with the finance charge were not displayed. When statements were sent they are mailed to me so late that by the time I sent the payment in they called me saying it was late. I told them that they send out the statements too late and to send them in a timely manner, they refused to help with this problem. As of XX/XX/XXXX I have yet to receive a statement from them, when I go on line the information for my statements is unavailable. I do not know that the principle payments that I have made for XX/XX/XXXX and XX/XX/XXXX are accurate. Therefore I am requesting a detailed report of all the principle payments I have made for XX/XX/XXXX and XX/XX/XXXX.  I further request that statements be mailed out to me in a timely manner.
Consumer complaint received 2019-02-05
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Alliance Group & Associates LLC (AL)

On XX/XX/2019 at XXXX, I received a phone call from XXXX, XXXX NC a lady by the name of XXXX ( I'm guessing spelling ) asking me to confirm my personal information. I refused to do so and ask again what her name was and company. She stated Alliance Group and Associates. At least I think that is what she said. When I refused to confirm SSN she asked to confirm birthday. I asked again what was the matter and she very rudely denied to state the matter until I confirmed personal information. I informed her I have reported identity thief and I refuse to give any personal information over the phone and she is more then welcome to mail me any information. She accused me of being non-responsive to mail. She proceeded to make accusatory remarks to me such as " who ya hiding from ''. When I informed her AGAIN I am not providing nor confirming any personal information. She then threatened to proceed with legal actions and reporting my SSN to someone, I couldn't understand her. I stated to her to do what ever she felt she needed to do, I am not giving any information over the phone. She proceeded in a threatening manner to say " Oh I am going to '' and rudely hung up. I suspect this is a scam.
Consumer complaint received 2020-02-04
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: CITIZENS FINANCIAL GROUP, INC. (MI)

XXXX XXXX  Advertised a 5 % cash back on everything offer until XXXX. After I made purchases, they cancelled the account, and stole all of the rewards I had earned and refuse to pay the 5 % they advertised.
Consumer complaint received 2022-08-29
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 is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2019-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NJ)

The following agencies made hard inquiries that unfairly impacted my credit score : XXXX XXXX on XX/XX/2017 XXXX XXXX XXXX-XX/XX/2017 XXXX XXXX- XX/XX/2017 XXXX XXXX XXXX- XX/XX/2017 XXXX XXXX- XX/XX/2017 XXXX XXXX XXXX- XX/XX/2017 XXXX/XXXX XXXX- XX/XX/2017 XXXX/XXXX-XX/XX/2017 XXXX/XXXX XXXX XXXX- XX/XX/2017 I have never obtained or used funds from these companies.
Consumer complaint received 2019-02-05
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: CHARLES SCHWAB CORPORATION, THE (CA)

ACCT ending in XXXX Around XX/XX/XXXX I had claimed fraudulent transactions on my old Schwab account that was no longer being maintaind actively by me. Schwab falsely concluded that the transactions were not fraudulent and reported " account abuse '' through XXXX without any explanation as to how they concluded the investigation. " XXXX '' from your Schwab Bank customer service line called me on XX/XX/XXXX and after a 68 minute phone call the conclusion was " You have to call XXXX XXXX to report the account as fraudulent ( even though it was XXXX year ago and has since been closed ) and you owe Schwab as the charges are not fraudulent. '' The conclusion was incoherent and did not corroborate with the " account abuse '' remark on my XXXX report. 

XXXX was disputed back in XXXX and concluded as valid by Schwab. Again, I submitted multiple pieces of documentation proving that the transactions taking place in the account were fraudulent.

I have been an excellent customer of Schwab since XXXX and this type of treatment during a time of identity theft is unwarranted.
Consumer complaint received 2022-09-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: CNG FINANCIAL CORPORATION (SC)

On XX/XX/XXXX @ XXXX pm- Called the store and asked what kind of options I have as I have found myself unable to make upcoming payments. Lady ( I think I spoke with XXXX XXXX said there were no grace periods and she didn't know what to suggest. I told her I would try to figure it out. 
On XXXX XXXX I missed their call at XXXX, but called them back at XXXX. My payment was due on this day. Again told the lady there was no way I could make the payment, told her I had one more option I was going to try with hopes of finding out that evening, which I couldn't. I told the lady not to draft my account as it was already in the negative so they didn't need to run any drafts and cause me more unnecessary fees. 

My account is set up for me to manually make my payments, not to draft. 

Monday morning ( XX/XX/XXXX ) I got an alert that my acct had been drafted and upon logging on, I noticed the payment from Check n Go. 

I have no intentions of letting this loan go completely, but I have expressed more than once that I am unable to pay right now. They were told more than once during the phone conversation on XX/XX/XXXX NOT to draft my acct.
Consumer complaint received 2022-09-01
Product: Credit card or prepaid 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: CITIBANK, N.A. (NY)

I made a complaint to Citibank about unauthorized transactions using my card information ( XX/XX/XXXX ). The original complaint included the amount of times I had contacted the company about the unauthorized transactions ( 12 times ) and nothing was done. On XX/XX/XXXX I received a letter from Citibank and the complaint had not been fully resolved in my favor due to the representative leaving important details out. Citibank had declined my request to credit me for the 8 unauthorized charges from XXXX XXXX XXXX totaling {$230.00} because it was from the same mobile wallet used in previous transactions. I had told the representative that during that time I had lost my phone as well as my wallet while I was out. I don't know if the representative heard me but had left out important details about my phone being stolen causing my mobile wallet to be at risk. I managed to call every other card company to fix my issues but Citibank was the only company giving me a hard time. I had not attended any event at XXXX XXXX during that time. I recently have gotten a new phone as my old phone is either lost or stolen. I did not authorize ANY purchases using any phone during that time. As I mentioned in my previous complained I called Citibank to fix this issue and nothing was done for almost an entire month. I do not want to pay for ANY of these unauthorized transactions. 

XX/XX/XXXX {$52.00} XX/XX/XXXX {$16.00} XX/XX/XXXX {$23.00} XX/XX/XXXX {$23.00} XX/XX/XXXX {$54.00} XX/XX/XXXX {$15.00} XX/XX/XXXX {$20.00} XX/XX/XXXX {$24.00}
Consumer complaint received 2022-09-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (SC)

Requested refund on student loans payment through cares act. Was told 180 days for refund. Edfinancial is the only servicer saying it will take this long. 180 days is unacceptable!
Consumer complaint received 2022-09-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TRUIST FINANCIAL CORPORATION (MO)

A few weeks ago I had an notification email from XXXX saying there was a change to my credit file. I went on there site and found out there was a new account added that I did not apply for. It was from Truist Bank saying I had applied and been approved for a credit card with a {$9000.00} limit. At that time there was a XXXX balance on that account. I immediately disputed that account with them and contacted the bank. I filed a report with them and I asked if that card would be blocked to keep from getting any charges. I was told only that the report would be turned over to the correct department and I would be getting a letter from them also that my SSN had been jeopardized. I have never received anything from this bank. A few days later I was once again notified of a credit change. I went to XXXX website and right away noticed my credit score had dropped by XXXX points and there was an increase in my credit balance. I looked and the individual that got that card had charged over {$1900.00}. I contacted the XXXX and they contacted them and they sent me notification they contacted Truist Bank and that concluded there part. I was notified today that XXXX concluded the dispute and shows supposedly that the information from Truist Bank was correct. I also contacted XXXX today with identity theft concerns and was advised to file a report with the FTC.
Consumer complaint received 2020-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

Experian has ruined my reputation by illegally sharing my information and alleged accounts to affiliates and third parties. Im a federally protected consumer and my rights to privacy have been violated pursuant to 15 USC 1681 ( a ) ( 4 ). Pursuant to 15 USC 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device is considered an exclusion on a credit report. They have violated me numerous times. Theyve also violated my right to privacy pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ). Theyve reported factual information regarding my addresses, name, etc. Ive tried numerous of times to resolves these problems with no avail.
Consumer complaint received 2022-09-01
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Reliable Credit Association, Inc. (AZ)

I've been working for the last few months to join the XXXX. my vehicle was repossessed on XX/XX/XXXX, I signed my active military orders on XX/XX/XXXX. The finance company is asking me to pay half of the balance XXXX out of XXXX to reinstate the vehicle and then they will set the account up on scra. According to everything I am reading on your website the account either qualifies for scra or it doesnt, the finance company admitted it does qualify for scra but they wont treat it as scra unless XXXX dollars is paid to them first. This is abusive and unfair practices on behalf of the lienholder. I have requested that they release the vehicle back to me and set it up on XXXX and I will bring the account current and continue to make my payments but they refuse and say I still have to pay the XXXX dollars before they will treat it as scra account. Also they are saying that the vehicle can or may have already been sold at the auction. They are refusing to place a hold on the sale pending the outcome of this complaint.
Consumer complaint received 2018-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: SYNCHRONY FINANCIAL (ID)

In XX/XX/XXXX, I called XXXX XXXX XXXX XXXX to see why my balanced jumped from {$1500.00} to {$2500.00}. The customer service rep advised that my 18 month XXXX  interest was up. I informed him that I was never told that the interest from those 18 months would accrue, or else I would have never signed up for this credit card. After speaking with a supervisor, he said he would remove the {$1000.00} of interest if I paid the total that day. I told him i was driving and once i get home, i will pay it. I arrived home and called in with my credit card information. After a month ( XXXX ) gone by, i received another statement with the {$2500.00} total. I called and asked why my card wasn't charged. They accused me of not calling in. So i asked to speak to a supervisor. The customer service agent advised he would have a supervisor call me as soon as possible. Another month goes by ( XXXX ), and I am informed that my account is in collections ( which has lowered my credit score immensely and now i can apply for a car that i desperately need for work ) and I have accrued two months of late fees on top of it. I know owe hundreds more due to the lack of communication and customer service support. They are trying to continue to scam me so I can continue paying them. They are trapping me into this account. When I called today XX/XX/XXXX, the call went straight to the collections department, which i was not aware it was in collections. XXXX ( customer service agent ) advised that she attempted to transfer my call to a supervisor in customer service and they refuse to take my call, let alone talk with me. She advised that they wont help with anything and will not speak with me. What kind of customer service is that? I would like to see something done immediately. They have literally ruined my credit score ( credit from XXXX to XXXX ) so i am unable to purchase a vehicle for work. Please contact me as soon as you can. Thank you for your time.