davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-10
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I opened my Capital One 360 Performance Savings Account ( hereafter called " my account '' ) on XX/XX/2020 and had successfully transferred {$20000.00} into my account by XX/XX/2020. When opening my account, I used the active promotion " SCORE500 '' to receive a {$200.00} bonus after keeping at least {$20000.00} in my account for at least 90 days straight. Despite having at least {$20000.00} in my account for 90 days straight ( and counting, as it is all still in the account to this day ), which was supposed to automatically grant me the {$200.00} bonus that Capital One promoted, Capital One has not yet paid me the bonus. It has now been 165 days and counting, and they have not told me when I will receive the {$200.00} bonus despite my calling them several times since opening the account ( and since the 90-day period ended ). 

For more context : After around 120 days of the account being open ( 30 days more than I should have had to wait ), I called Capital One again to ask them where my bonus was, and they said that everything looked fine in my account and that I should receive the {$200.00} bonus no later than XX/XX/2020 ( well after I was supposed to receive it by ). I told them that I should not have to wait this long, but they assured me that I would definitely receive it BY XX/XX/2020, and quite possibly sooner than that. On XX/XX/2020, I still did not have the {$200.00} bonus posted in my account, so I called Capital One again and they said that, again, everything looked fine and I should be able to receive the bonus, but they need to file an internal report and it will take up to an additional 20 calendar days for me to hear back from them. Given that this is the third delay, I have lost all patience. No consumer should not have to wait this long from any financial institution to live up to their promises, and until I actually receive the bonus that was promised to me, I unfortunately do not trust that I will ever receive it ( despite them telling me that I will receive it ; after all, they already lied about the date by which I would receive the bonus, so how can I trust them to actually pay me the bonus in the end? ). I feel that Capital One is engaging in predatory business practices to keep my money as long as they possibly can. I expect to receive my {$200.00} bonus immediately, and I can only hope that Capital One is not systematically delaying the bonuses that it had promised others as well in an effort to not pay out as much interest on that bonus money.
Consumer complaint received 2016-07-06
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

I was looking for car to purchase in XXXX at XXXX NISSAN I was put under a lot of pressure by XXXX XXXX and his used car manager. I suffered a XXXX, they took advantage of me by selling me XXXX different cars, checking my credit three times and lowed my credit rating. Also gave me a 10 % interest rate. XXXX XXXX XXXX XXXX wanted to pay my loan off and give me a lower rate but they said that the dealership committed fraud on my loan and the XXXX MAXIMA was over priced, XXXX times its value. The car is worth {$20000.00} and I paid {$60000.00}. I have told NISSAN CONSUMER AFFAIRS about this for XXXX years nothing has been done. I continue to make double payments on a fixed income. I am a XXXX Veteran with various health problems. Your cooperation in this matter will be gladly appreciated. This is disgrace to be treated this way. THANKS
Consumer complaint received 2023-03-15
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. (TX)

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00}
Consumer complaint received 2023-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX : {$8800.00} XXXX XXXX XXXX : {$19000.00}
Consumer complaint received 2020-11-10
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

I have summarized the timeline from the police report and the phone calls Ive made regarding this issue. 

Approximately at XXXX on XX/XX/2020 my wife and I arrived at the XXXX XXXX restaurant. We sat at the bar to visit and later order dinner. 
Based on XXXX XXXX surveillance video : XXXX Suspects entered XXXX XXXX and put their names down with the hostess. 
XXXX Suspects were viewed standing right behind XXXX XXXX XXXX XXXX XXXX Suspects are seen leaving the restaurant. 
XXXX XXXX receives a text from Bank of America regarding three charges at XXXX XXXX across the parking lot for two charges of {$3500.00} and one charge of {$3700.00} which I promptly responded NO. 
Based on XXXX XXXX surveillance video : Same suspects are seen using XXXX XXXX Bank of America credit card which they had removed out of XXXX XXXX zipped purse by stealing her wallet. 
They purchased gift cards and phone cards. 
XXXX Suspects are seen leaving XXXX XXXX. 
Sunday morning between XXXX and XXXX : I call XXXX Police department to report the theft of XXXX XXXX wallet from her purse. They gave me report number XXXX and I talked to Officer XXXX giving him details of what had happened and what was missing. I promptly called Bank of America and was told fraud department was open business hours Monday though Friday. I gave them the police department case number and they issued new cards. Monday, XX/XX/2020 I called Bank of America again to follow through and make sure they had all the information necessary. 

I received a letter dated XX/XX/2020 from Bank of America denying the fraud claim. The letter stated I allowed the suspects to use the card and PIN number which they couldnt of had access to. On XX/XX/2020 I promptly called the phone number on the denial letter and talked to XXXX, I was on hold for over 20 minutes. I stated my position and demanded somebody from Bank of America, that could resolve this issue to call me back. I also requested a transcript of our conversation. XXXX stated that somebody would call in two to three days. I have yet to receive the call or any other correspondence. 

I've included an attachment of the denial letter from BoA, the police report and a copy of the text messages denying the charges
Consumer complaint received 2019-10-09
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. (CA)

Student loan servicer, NAVIENT, is misapplying student loan payments and failed to conduct an investigation. 

1 ) Auto-payments are not being properly distributed among the loans. I have 3 Direct loans and 2 Direct Grad Plus loans serviced by Navient. I am on the regular repayment program using auto-pay to automatically deduct my fixed monthly payment from my bank account. My auto-payment is {$1400.00} per month. Of this amount, {$400.00} is a fixed amount that should be applied to the highest interest rate loan. On at least two occasions ( the XXXX and XX/XX/2019 autopayments ) Navient applied less than the fixed amount to the highest interest rate loan and shifted payment to the lower interest rate loans. In XX/XX/2019, no principle whatsoever was paid on the highest interest rate loan by the auto-payment. 

2 ) Navient failed to conduct an investigation or respond to my concerns. On XX/XX/2019, I called Navient and spoke to a representative regarding payments. I was told that an investigation would be opened and I would be emailed written report detailing how auto-payments and overpayments to the highest interest rate loan were applied. I was told that the report would be emailed within two to three business days. I did not receive any emailed or written report. 

On XX/XX/2019, I called Navient and spoke to a different representative. I was told that the first investigation was concluded, no report was emailed or mailed to me, and that no changes had been made to my account. Again, I requested Navient investigate why the auto-pay was not applying the correct amounts to the highest interest rate loan and instead paying principle on lower interest rate loans. I again requested Navient investigate that all payments were properly applied over the life of the loan. I was told there would be an investigation and that I can expect a written report delivered by XX/XX/2019. 

Because Navient 1 ) failed to properly apply payments, and 2 ) failed to investigate and report on misapplied payments, I am filing this complaint. As a consequence of this failure by Navient I may be forced to overpay by thousands of dollars over the life of the loan.
Consumer complaint received 2020-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Hi. I made a large purchase of personal computing hardware and software from a couple different retailers. Approaching $ XXXX in total from the end of XXXX into XX/XX/XXXX. The three credit reporting agencies all dropped my excellent credit score by a significant amount based on these purchases. This complaint is specific to TransUnion. 

I have excellent payment history with all of my credit cards and credit lines going back 15+ years. I have automatic payments set up from my bank account paying in full whatever statement balance there is every month. I never carry a balance on my credit cards. My payment behavior with my other creditors is similar going back at least 15 years - always on time, always in full except for one piece of property and one car which were financed for a few years, though, both of them are now paid off ( and those payments were always made on time ). 

I called TransUnion about this and was basically blown off. The representative wouldn't discuss the issue with me except to recite that the credit score is based on their system. I couldn't get them to acknowledge what my problem even was.
Consumer complaint received 2020-11-10
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: BARCLAYS BANK DELAWARE (SC)

My card details were stolen and used fraudulently on XXXX XXXX & XXXX XXXX. I called, we jointly identified 3 fraudulent transactions and a case was opened. 
On XX/XX/XXXX I called the credit card co bc several legitimate transactions had been charged back for a period of several months. They assured me these would be corrected. 
On XX/XX/XXXX I called again to let them know 2 chargebacks had not been corrected. I paid these bills with the companies concerned for a second time - one was XXXX and I did not want to be without coverage and the other was a medical bill I did not want sent to collections. 
On XX/XX/XXXX I was told by the credit card company that the chargebacks were being corrected and there was possibly a delay with funds being sent from Mastercard which could take up to 2 billing cycles to arrive. I was refunded {$25.00} to my account to cover a chargeback fee applied by the medical billing company. 
In XXXX, XXXX received the reimbursement and sent me a check for the duplicate payment. This left only the medical bill to be resolved. On XX/XX/XXXX I received a letter from Barclays stating that my case was now with a dispute specialist, and that a temporary credit would be placed on my account while it was in dispute. I have never received the temporary credit. 
On XX/XX/XXXX Barclays wrote again stating that they had contacted the medical company and were awaiting a response. They again said a provisional credit was placed on my account. I still have not seen the credit. 
On XX/XX/XXXX I wrote again to Barclays, confirming that I had not received the credit and also reiterating that the original bill was not in dispute. They billed, I paid, Barclays incorrectly charged back, they did not reimburse, I was rebilled, I paid, I have not been reimbursed. As of XX/XX/XXXX, the medical company has not received a correction to the chargeback. I have provided Barclays with the medical bills, and a statement covering the period in question. This incident is now over one year old. Phone calls get me absolutely nowhere.
Consumer complaint received 2022-04-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/XXXX, I requested an escrow analysis for my mortgage with customer service for Chase XXXX XXXX. They told me that I had a surplus of over {$6000.00} that would be refunded to me in approximately a week. On XX/XX/XXXX, I called back and was told that, due to the high amount, it was being checked again and it would be a couple more days. On XX/XX/XXXX, I called again and was told the amount had changed due to a change in my property taxes. The amount they quoted me was incorrect. I gave them the correct amount on that same call. I was told that in a few days I would have the money. On XX/XX/XXXX, I called again having still received no money nor communication. I was told that I should have received the money and they were sorry, but due to their error with the property taxes, they were doing more analysis and would do an electronic funds transfer. On XX/XX/XXXX, I called again and they had no explanation for the delay. I was placed on hold for twenty minutes with my operator as she waited with me to try and reach someone in the company to help. No one answered her and I asked her to call me with an update later in the day. She called back toward the end of that day and said she was told that an electronic funds transfer of approximately {$5500.00} ( their revised amount ) was going to be sent soon. Please note that I not have the mortgage with chase, but am a chase banking customer and pay my mortgage from my chase checking account electronically every month. They have complete and total control of the transfer process from end to end in the same company. Today, on XX/XX/XXXX, having still not received my money, I called again and they escalated my complaint to a supervisor. She had no explanation of the delay and apologized. I informed her that, according to the CFPB and CFR 1024.17 of the Real Estate Settlement Procedures Act they had 30 calendar days from the analysis to give me any surplus over {$50.00} and if I didnt receive the money that day they would be in violation of federal law and I would file a complaint with the CFPB. As of the close of business, I have not received any money or subsequent communication from the company. As it has been 30 days they have violated these rules as I understand them. Furthermore, the size of the surplus is especially troubling given that the mortgage is 8 months old and it was a refinance of my prior loan for which I provided all necessary documentation of property taxes and home owners insurance. The surplus represents more than 50 % of my annual property taxes in total. This means I was either asked for too much money at the closing and/or my payment has been artificially too high since the inception of the loan.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 1681. 

Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number XXXX XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-15
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 checked my credit report and found that some of the data wereincorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX and XXXX  XXXX XXXX ran Hard Inquires without my permission. I did not provided them with my SSN. I provided them with my business EIN number for my company " XXXX XXXX XXXX XXXX '' and they ran my SSN without my permission. Other credit card companies have not done this egregious act when I provided my EIN to them. These hard inquires need to be removed ASAP! 
I attached documents to verify my identity
Consumer complaint received 2020-11-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (TX)

Around XX/XX/XXXX I opened a credit card account with XXXX XXXX to purchase leads for my company. The parent company abruptly closed in XX/XX/XXXX. I owed an amount of {$2100.00} on the balance. The debt was eventually placed with Asset Acceptance and then turned over to Midland Credit Management. I have apparently been sued for this debt because I just received a copy of a judgment order from XX/XX/XXXX saying I need to inform them of what possessions I own. I have never been served with an order to appear in court, and this debt is 13 years old AND it doesn't even appear on any of my credit reports. I think this is way for them to get me to pay an old debt they obviously bought. I also think this debt is time barred. I don't know what to do, I'm XXXX due to XXXX XXXX XXXX and have no money to pay. The debt is now {$3000.00}.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I submitted a credit repair request to a company, but they still failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2022-10-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (FL)

Hello- I am relatively happy XXXX XXXX XXXX client. They have a 'Plan It ' promotion for any larger charges ( I think $ XXXX ), where an individual can have the charge spread out over a number months with a small monthly fee. Once the balance of the 'Plan It ' charge is paid off ( even if earlier than the selected plan is completed ) the fees stop. All of this is very reasonable and I have happily used this service in the past. However, I planned to use this service for eight charges on my AmEx during the month of XX/XX/XXXX. The total fees for the month were relatively nominal ( {$21.00} ). However, I never used the service, as I ended up having enough cash to pay the entirety of my outstanding balance by the due date for the cycle ( which was XX/XX/XXXX ) - - this includes all of the charges I selected as XXXXPlan It " charges. However, since I never carried a balance past the due date for the month 's charges, including the eight I selected the XXXXPlan It " program to be used for, the charges were all paid within the standard grace period of the billing cycle, meaning I never used the XXXXPlan It ' function/product/service. However, even though I never used it, I was still charged the monthly fees for all of them ( i.e., the {$21.00} ). I connected with AmEx, expressed essentially everything above and suggested that this was a predatory approach. They did issue me a one-time credit in the amount of {$10.00}. Candidly, it's not the money- it's the slimy practice. I always want to pay what I owe, for the things I use, but being charged something for something one doesn't use and saying it's a standard 'practice/policy ' seems unjust and not right, so I wanted to alert this Bureau to this practice.