davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (MT)

I have been a customer with Capital One, specifically their Venture XXXX Rewards card which is a Visa Signature Card for several years. I chose this credit card as Visa and Capital One both promoted ( and still do as of today ) the Auto Damage Collision Waiver as a member benefit. This benefit is still included in their terms and conditions on both the Capital One and XXXXXXXX XXXX Card websites and manuals. I rented a car through XXXX on XX/XX/XXXX for a vacation in Minnesota. I was involved in a car accident that same day and filed an Auto Damage Collision Waiver claim with Card Benefits/Eclaimsline which is a third party contracted by XXXX XXXX to administered benefits. I was informed that my claim was denied as a result of the benefit not being active from XX/XX/XXXX through XX/XX/XXXX. I have contacted Capital One, XXXX XXXX, and XXXX restlessly the past 6 months. A conservative estimate is 50+ phone calls which accounted for 40+ hours of my life. Each time I attempt to find resolution from any of the aforementioned agencies they place the onus on their counterparts. Often the conversation begins with XXXX informing me to contact my issuing bank. Capital One will differ to XXXX XXXX as the Auto Damage Waiver is a benefit provided by XXXX XXXX and not Capital One. Further, XXXX XXXX can provide no explanation to the benefit in question and why it was discontinued from XXXX resulting in the subsequent denial of claim. As recently as XX/XX/XXXX they " don't have access or records '' of the benefit in question, although they confirmed I did have the benefit. XXXX XXXX XXXX finally sent my invoice to collections after there was no movement by any of the aforementioned parties. I had since remedied the situation, however it negatively affected me as a result of failure ( s ) of all companies mentioned. Of note, at no time did I receive documentation or notice from Capital One or XXXX XXXX that the benefits to my card, specifically the Auto Damage Collision Waiver has been altered, canceled, or changed in any way, thus the benefits highlighted by the terms and conditions of their benefits summary should be honored.
Consumer complaint received 2022-03-23
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. (FL)

My complaint is with J.P.Morgan Chase. Credit Card Division..This is somewhat of a follow up with previously filed complaint. On the XXXX of XXXX I made a payment to my credit card account with a {$730.00} check. They mistakenly only gave ne credit for {$700.00}. I called the bank the same day, they looked at my deposit and immediately confirmed that it was a mistake on their part. The check was clearly written, no problems with it being legible, and problem would be resolved. I SUBSEQUENTLY DID FIND OUT THE CHECK WAS ACTUALLY HONERED FOR THE FULL {$730.00}. ( I sent copy of bank statement proving this. ) I waited about a week before following up when I realized it hadn't been, It was at that point in which I am most upset about now. I have talked to no less than XXXX reps, all assuring me its being taken care of, but the few times I did reach payment/escalations Dept., it was horrible experience., Chase 's people there are rude and absolutely acted like they didnt want to be bothered., the 1st time I was told by a supervisor named XXXX, that this issue had been resolved as " CLOSED '', and there is not a thing Chase can do about it now. I was told by other reps in follow up calls that this is incorrect and they will escalate issue themselves. NEVER TO HEAR BACK FROM ANYONE!! NEVER HAVE! Today was the worst interaction of all, I called got to escalations XXXX, spoke with a rep named XXXX out of the XXXX call center and encountered the most unprofessional, rude individual I've ever dealt with. She said that investigation just started on the XXXX?????. I tried to get info but to no avail with this person. ( I will say that other reps, not in this department has been very understanding and was very surprised this was taking so long to resolve. ( Obviously its not about the {$35.00} but the terrible way Chase treats its customers. 
I have been a chase customer for 20 plus years. Average annual payments made are roughly {$100000.00} and never have been late once. I will obviously be closing this account as I already have done with two others. ChASES ability, or I should say inability to timely correct a error made by them is inexcusable. The run around and mis-information that I have had to deal with is equally inexcusable.. I have posted to countless social media sights of my experience. I am truly considering a more formal complaint and possibly legal action for this refusal from Chase to Timely corr3ect their mistake.
Consumer complaint received 2019-11-19
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 — Problem with personal statement of dispute
Company: Santander Consumer USA Holdings Inc. (NC)

I disputed Santander Consumer USA for not removing a negative account that has been reported to the Credit Bureaus. It has been seven years since our first negative payment, we admit we were late due to loss of job, but we were able to catch the account up and get it back in good standing, the account was paid in full in XX/XX/2016. We disputed it with all three credit reporting agencies and all that was done was they responded with " we've updated the account to Closed '' ... ..The account was closed in XX/XX/2016 and we are disputing them still reporting it when after XXXX years from he first negative pmt it can be removed from your report. 
We have called this company and they can not give us any information regarding this matter as the account has been closed since 2016. Santander should remove this from my credit report since it has been seven years, but they are refusing to do so, or have any contact with us to explain why they are not removing it.
Consumer complaint received 2022-03-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX {$180.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( XXXX ) In general Before the expiration of the XXXXbusiness-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 
( XXXX ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( XXXX ) and before the end of the period referred to in paragraph ( XXXX ) ( XXXX ).
Consumer complaint received 2022-03-23
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. (MI)

in accordance with the Fair Credit Reporting act, Transunion, XXXX and XXXX has violated my rights. 

15 USC 1692 ( B ) ( 5 ) 15 USC 1681 ( A ) ( 4 ) FCRA 623 ( A ) ( 6 ) ( B ) 15 USC 1681 ( A ) ( 2 ) FCRA 623 ( A ) ( 2 ) 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) - ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block .According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it and address used to open account ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


XXXX XXXX XXXX XXXX REPORT NUMBER : XXXX
Consumer complaint received 2022-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (WI)

This is a follow-up complaint to case # XXXX. This case is UNRESOLVED! Comenity has either reversed the credits or re-charged the account. 

I recently filed a complaint with your organization against Comenity Credit Card due to incorrect charges, including applied interest. In late XXXX and again in XXXX, Comenity responded to the complaint indicating that they investigated the situation and applied a credit to my account for the charge in dispute. After receiving the notice from Comenity indicating they applied a credit to my account, I logged into the Comenity online system to check my balance. At that time, I had a credit of XXXX XXXX  and some odd cents, and the account was closed so I was due a refund of that amount. I thought, finally, this nightmare is over. Today, XX/XX/XXXX, I received an email reminding me that I have a balance of {$780.00} on the account and I have a minimum {$30.00} payment coming up soon. I immediately called Comenity and spoke to XXXX different customer service representatives that could not tell me how I went from having a credit on this closed account to owing a balance of {$780.00}. I do NOT owe Comenity anything. It is frustrating that Comenity can continue to XXXX me with inaccurate charges and impact my credit if I don't pay. Any help you can provide is greatly appreciated. 

FYI, I have attached the notice I received from Comenity identifying the credit ( that was {$4.00} short of the actual charge ).
Consumer complaint received 2022-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I am not legally responsible for this account, the creditor offered Covid assistance as part of the CARES ACT 2020. The creditor told me they would offer a repayment plan, and instead sent the account to collections. This is negatively affecting my credit report and needs to be removed immediately.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX XXXX # XXXX - IDENTITY THEFT UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-05-16
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I requested an investigation in to the reporting of my credit on XX/XX/2022. I requested that Transunion look in to my credit report and fix the inaccurate reporting that I listed. On XX/XX/2022 I sent out a follow up letter demanding the company comply with the initial letter I sent out. After thirty ( 30 ) days of not receiving any feedback from the company, I began to contact the Consumer Financial Protection Bureau ( CFPB ). I never received a response from the company until the CFPB was involved. Which was nore than 30 days after i sent my initial letter. Please note that " you have 30 days to complete an investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation. ''
Consumer complaint received 2022-03-23
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP (MN)

I deposited a cash fund from my main bank XXXX Bank at US bank on XX/XX/22. After 2 days I did the international wire transfer {$15000.00} at US Bank on XX/XX/22. But they kept it until XX/XX/22 with out informed me the reason of why they didnt transfer. I contacted the person who was processed the wire & told me the the fund youre sending is suspicious. I asked him why did you Guys told me until now. He said I dont know that is the back office responsibility. 
I told him not to send the money.I will send from my other Bank. 
After 2 days I transferred back the fund from US bank to XXXX bank through XXXX with daily limits {$3500.00}. After 2 times transfer the branch manager XXXX XXXX closed my checking and Saving accounts and sent me the XXXX checks.
Consumer complaint received 2022-05-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CLGF Holdco 1, LLC (OH)

We received a letter in the mail saying we missed a payment and we owe {$530.00}. we called Genesis FS Card services and told them we did not have a credit card with Destiny XXXX. we do not have any XXXX. they told us to go to this site and fill out a conplaint.
Consumer complaint received 2022-03-23
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (IL)

I was left out of the 2022 CFPB & ( Mr. Cooper ) Nationstar Mortgage even though I had been complaining about their unfair addition of a {$170000.00} penalties fee to my mortgage after it was transferred from Aurora Loan Services when they went out of business.
Consumer complaint received 2022-03-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FMA Alliance, Ltd. (CA)

FMA Alliance continues to call me for a debt for someone else. I told them I am not the person they are looking for but called again. I told them the second time not to call me. 20 minutes later they called again and hung up. I called them back and asked to not be contacted again and they hung up on me. They have called me 5 times in 3 weeks.
Consumer complaint received 2022-05-16
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (CA)

On Friday XX/XX/2022 I called Navient to Pay off a School Loan. I have XXXX Loans with Navient. # XXXX {$12000.00} and XXXX # XXXX {$28000.00}. I told the agent I want to pay off my school loan # XXXX for the amount listed. So we processed the payment ( I had already made a payment for XXXX ) and payment was completed. I looked into my account to see the loan paid off, and it shows a balance of {$220.00}! I called Navient and what the Navient Service agent is telling me does not make sense. XXXX XXXX # XXXX indicated since I have a consolidated loan they applied this to the other loan. Mind you these are XXXX separate loans. I want to be completely done with the XXXX XXXX, so I can qualify for a Loan to purchase a home. I was very clear, I never understand what these Navient Agents tell us about our schools loans, however we just take the information and hope its true. This time I believe they are adding fees without my consent or knowledge. I just want the loan paid off, so I can qualify for my purchase as soon as possible. 
Thank you so much for looking into this, i appreciate your time! 
XXXX XXXX
Consumer complaint received 2022-03-23
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (PA)

I always pay my card ( The Children 's Place ) on time. So imagine my surprise when Comenity Bank calls my phone, multiple times, not leaving any messages, and when I do reach them, they are claiming that I missed a payment. My records show that i did pay them, and I do NOT appreciate Comenity harassing me via phone and mail, nor do I not appreciate them lying to all 3 credit bureaus and reporting false information.
Consumer complaint received 2024-05-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Spring Oaks Capital, LLC (FL)

Hello CFBP, I sent the following to XXXX, and based on their result, you can tell the investigation lacked factual evidence. I followed the financial collection guidelines and requested a VOD to validate the debt. The collection agency should have provided the information or a response within 30 days. This directly violates my right to request proof and collection law. I am only submitting my complaint regarding the collection agency. I will also submit one for the credit bureau XXXX. 

Lastly, I have attached all the necessary and comprehensive proofs for your review. 
- XXXX  receipt - XXXX  letter - Request to delete receipt - Request to delete letter - Request to remove from credit report to XXXX letter file id number XXXX Dear XXXX, I am writing to dispute a credit reporting error that appears on my credit report. The details of the disputed item are as follows : Creditor Name : Spring Oaks Capital SPV , LLC Account Number : XXXX This item is incorrect or incomplete because the collection agency has not complied with my lawful request for validation of the alleged debt. Under the Fair Debt Collection Practices Act ( FDCPA ), I have a right to request validation of this debt, a right which I exercised on XX/XX/year>. Despite providing the collection agency with a reasonable amount of time to respond, I have not received any documentation or response from them validating the alleged debt. 
Per the Fair Credit Reporting Act ( FCRA ), I kindly request that XXXX investigate this matter within the statutory timeframe of 30 days. Should the collection agency fail to provide adequate validation as required by law, I request that the trade line be removed from my credit report due to non-compliance. 
Enclosed are copies of the following documents for your review and consideration : The letter requesting debt validation was sent to Spring Oaks Capital SPV , LLC dated XX/XX/year> Proof of mailing and any other correspondence that substantiates my claim : Any additional relevant information or documentation : I appreciate your attention to this matter and expect a prompt correction. Please inform me of the outcome of your investigation at your earliest convenience. 
Thank you for your time and assistance. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-23
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Esusu, Inc. (OR)

Esusu, also known as XXXX XXXX XXXX, is a business headquartered at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX New York XXXX. They are a foreign company but operating in the USA. 

Esusu is a company that reports monthly rental apartment payments to the credit bureaus, therefore affecting Consumers credit scores. They often report to the wrong Consumer 's credit report and those Consumers need to be able to reach Esusu to clear up Esusu 's mistakes.

I have tried to communicate with Esusu by phone but their phone lines disconnect after a brief message. I reached out to them by email and they replied that they do not accept phone calls. ( Please see the attached email thread and please take note that my email to them was at XXXX XX/XX/XXXX, not XXXX on the XXXX as their email thread implies ). 

There are many elderly individuals who do not have the ability to use computers and send emails. I believe Esusu is in violation of certain consumer protection laws by not being available by phone while being a company that reports to the credit bureaus. I believe they also need to have a valid phone number to hold a business license. 

I plan to also submit this complaint to other government agencies where applicable, such as the New York State XXXX