davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Capital One is not calculating interest correctly on its XXXX credit card account. I pay my balance in full every month, except for a bill due on XX/XX/2022. Here, Capital One charged me {$82.00} in interest for an average daily balance accrued on purchases made prior to that date. These charges violate XXXX XXXX own disclosure terms, found at https : //www.capitalone.com/credit-cards/quicksilver/ According to their terms, If you paid your previous months balance in full ( or if your balance was XXXX or a credit amount ), new transactions which post to your purchase or special purchase segments are not added to the daily balances. Also, transactions subject to a grace period are not added to the daily balances. 

Because I paid my previous balance in full, interest on the subsequent charges should not begin to accrue until after the grace period, or after XX/XX/XXXX. 

Moreover, Capital One does not send daily push notifications for interest charges they assess, but they do send notifications on other purchases. ( If a notification were sent, I missed it. ) Moreover, Capital One does not permit users to dispute the interest charges on their website.
Consumer complaint received 2022-03-07
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Tesla, Inc. (TX)

After Tesla XXXX XXXX passed inspection on XX/XX/2022, I was informed to pay my invoice. The invoice amount ( {$75000.00} ) exceeded the amount in the XXXX Purchase Agreement ( {$73000.00} ) accepted just 2 days prior. I contacted Tesla by email immediately ( XX/XX/2022 ) and receive a response on XX/XX/2022 indicating they would correct the invoice. I continued to receive messages/emails asking I pay the incorrect invoice. Each time I contacted Tesla to check on the status ( via phone - on XX/XX/2022, on XX/XX/2022, on XX/XX/2022, by email again on XX/XX/2022 ) they indicated they would correct the invoice - but no correction has been forthcoming. They have since removed the ability for me to make a payment, and are now threatening me by sending the account to collections, even though the issue is ENTIRELY due to their negligence/ineptitude/error.
Consumer complaint received 2021-10-23
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Investigations taking longer tan 30 days, already a FDCPA VIOLATION, since is acquiescence. Administrative process is now complete. Companies have not validated any claims only hearsay of reporting accurately and furnishing reports without my consent or proof thereof.
Consumer complaint received 2017-03-08
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO. (TX)

car was total ins co sent ck over. Bank needs to process gap ins claim, also XXXX needs to be refunded to me on ext warranty that was cancel.. 

2. XXXX needs to be refunded as my tax return was not process tax act. 

3 XXXX XXXX refunds are to refunded from XXXX as they were return and was informed not to hip any more product. 

the last time i heard from bank was early XXXX, the above needs to be credit to my act.
Consumer complaint received 2015-05-30
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (NJ)

On XXXX XXXX, 2015 around XXXX, I went to the bank CHASE with branch in XXXX XXXX XXXX NJ, with my daughter to deposit {$200.00} dollars in cash. The bills I deposited were XXXX XXXX XXXX {$100.00} bills -each. After I deposited the money, the ATM machine malfunction and told me it was having technical difficulties, and it printed a receipt saying " that the ATM was having technical difficulties ''. After we stayed outside of the bank for XXXX minutes wishing that the money will come out, it never did and that 's when I called the claims department and they told me that this was going to take about 10 days for them to investigate the irregularity. I provided them with my email address and mailing address to receive news about my money, which I did n't receive any notification, until I called after the 10 days on XXXX XXXX, 2015. The customer service representative that I called informed me that there was nothing I could do since the claim was already closed and the investigation concluded that no money was found in the ATM. I tried opening a XXXX claim to find out what happened to the money I deposited in the ATM, but the Chase customer service representative did not allow me to, saying that there was nothing I could do anymore. I then went back to the XXXX XXXX CHASE branch on XXXX XXXX, 2015, to speak with the branch manager about my situation but he was not there, so I came back on XXXX 2015 to speak with him with the help of my daughter who was with me on the day I deposited the money and my son. The branch manager told me that he was going to follow procedure but most likely the result would be the same that my money would not be found. 
I did mentioned that it came to my attention thanks to a CHASE bank taller that the ATM machine I used on that day malfunctions constantly and the bank has not done anything to replace such machine. I am very upset that in order for CHASE to check security surveillance and other possible ways of find out the truth, they refuse to use those ways. I am hopeless to get my money as I live paycheck by paycheck and I have bills to pay, I lost XXXX XXXX dollars and CHASE is responsible.
Consumer complaint received 2023-06-13
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. (IA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2022-03-07
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. (FL)

On XX/XX/2022, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) - reporting inquiries without my permission. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Consumer complaint received 2017-01-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Nelnet, Inc. (TX)

While I was in school, I believe my student loan servicer, NelNet, recommended that I put my account into forbearance. I contacted NelNet to provide the dates when my student loans were in forbearance but I received communication stating they could not provide this information. I need assistance to obtain this information, as I think I was wrongly told to put my account into forbearance when I was in school.
Consumer complaint received 2022-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I've been trying to remove the inaccurate addresses off my report that are not mine and are sibling addresses and the credit bureaus haven't removed instead they added my current address in the previous addresses which is incorrect they should have my address as my previous address. 

They need to my correct address to current and remove all the others that aren't mine. 

I called XXXX, XXXX and TransUnion and I sent out letter XX/XX/2022 and nothing still hasn't be corrected.
Consumer complaint received 2022-03-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (TX)

Hello, Chase had closed my account and held my balance in suspension due to a third party check. Chase said they will release my funds and mail it to me after ; I go to a branch with the person who signed over the check. I did what they said and that person provided 2 forms of ID also. The person at Chase said that everything is cleared and I should get a check in 15 days. I went in XX/XX/2022 and it's almost a month later and I still haven't received the balance of my account.
Consumer complaint received 2018-05-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

There is a fraud hold on my checking account due to a claim against me. I called and explain the situation on XX/XX/2018. They need 10 business days to resolve it. But I need access to pay my bill and rent for living. This is a financial hardship I am experiencing.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

Please be advised. I have disputed and requested the correction of my personal information numerous times over the past 2 years and each time even more inaccurate information is listed. There are several Non Mailable Address and Several No Contact phone numbers that do not belong to me. There are Employers that are not accurate. 

The following needs to happen. 1 Name with id number 1 current address, no email address. 1 phone number. 

Again I have asked for this several times. it is taken off and then put back on again. I need this correction to be permanent moving forward.
Consumer complaint received 2020-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (MS)

Experian credit reporting, for 5 years I have disputed a collection on my credit report from XXXX  XXXX XXXX, I moved in the apartments in XXXX, I paid my rent on time and never late. The apartment manager and I disagreed on what was normal wear and tear after living in the apartments for 5 years. I purchased a home and moved out in XXXX. the next time I heard from the apartments is when I received a past due amount for {$290.00} for failure to clean out the apartment when I moved, one of the apartments inspectors view the apartment and said it ok. all total I have dealt with these apartments since XXXX and the collection agency since XXXX. I have contacted the credit agency to no avail. This action has affected my credit score and cause me to pay a higher interest rate no to mention the mental anguish is causing me! The collection agency is " XXXX XXXX XXXX XXXX/ XXXX  XXXX XXXX  ''
Consumer complaint received 2019-03-28
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SELECT PORTFOLIO SERVICING, INC. (MO)

SPS states they will refund money accumulated in my escrow accounts. I will actually pay them this debt I do not owe when they refund over {$600000.00} that seems to have gone into my escrow account as it was not applied anywhere else. I suggest they get it from the XXXX XXXX XXXX XXXX or one of the three companies that appear to have been paid off twice or from XXXX XXXX who colllected AND foreclosed on my other property after it was paid in full to -apparently- another company. 
I dont know what is going on but I want it fixed. I want a refund of the money I have over paid and I want my house on which they have no ligitamate claim. I want my duplex back from XXXX XXXX
Consumer complaint received 2018-12-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc. (MS)

I found this item on my credit report and I did not recognize this company and have never done business with this company. I disputed this account with them directly and I have not heard from or received any proof that the item belong too me. I want this item removed immediately because its damaging my credit and my credit score. I am stressed from this situation. This company is violating my rights under the FDCPA section 809 ( b ).
Consumer complaint received 2022-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

ALL THREE CREDIT BUREAUS ] XXXX, XXXX AND EXPERIAN HAVE DIFFERENT INFORMATION ACCORDING TO THE FAIR CREDIT REPORTING ACT 12 U.S.C. CH 16 ; 1830-1831 ALL THREE CREDIT BUREAUS ARE TO HAVE ALL THE SAME INFORMATION AT THE SAME TIME. 

[ XXXX APPEARS TO HAVE THE MOST ACCURATE INFORMATION ] Old information remains on my credit reports and does not go away. Old addresses, phone numbers and employment. [ My updated student loan information is only shown on XXXX and not XXXX AND EXPERIAN ] XXXX AND EXPERIAN NEVER HAVE A REPRESENTATIVE AVAILABLE TO DISCUSS ANY ISSUES PERTAINING TO CREDIT THE INFORMATION REMAINING ON MY CREDIT REPORT MAKES IT DIFFICULT FOR ME TO GET GOOD CREDIT WITHOUT PAYING PHENOMINAL FEES.
Consumer complaint received 2022-03-07
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. (MD)

ALL THREE CREDIT BUREAUS ] XXXX, TRANSUNION AND XXXX HAVE DIFFERENT INFORMATION ACCORDING TO THE FAIR CREDIT REPORTING ACT 12 U.S.C. CH 16 ; 1830-1831 ALL THREE CREDIT BUREAUS ARE TO HAVE ALL THE SAME INFORMATION AT THE SAME TIME. 

[ XXXX APPEARS TO HAVE THE MOST ACCURATE INFORMATION ] Old information remains on my credit reports and does not go away. Old addresses, phone numbers and employment. [ My updated student loan information is only shown on XXXX and not TRANSUNION AND XXXX ] TRANSUNION AND XXXX NEVER HAVE A REPRESENTATIVE AVAILABLE TO DISCUSS ANY ISSUES PERTAINING TO CREDIT THE INFORMATION REMAINING ON MY CREDIT REPORT MAKES IT DIFFICULT FOR ME TO GET GOOD CREDIT WITHOUT PAYING PHENOMINAL FEES.
Consumer complaint received 2018-05-21
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. (DC)

I have contacted Transunion, XXXX, and XXXX several times via phone and certified mail on multipe occasions in regards to inquiries that I did not authorize or was not familiar with. It makes it look like I'm begging for credit, and that is not the case. I am trying to qualify for a home loan, and it makes it difficult when they're checking credit and I have inquiries from places that I didn't inquire credit from. I have disputed and reached out to bureaus several times and they say the same thing repeatedly. The companies either need to send proof of validation or it needs to be removed. The following inquiries that were not authorized are as follows : XXXX XXXX XXXX XXXX XXXX 'XXXX XXXX XXXX
Consumer complaint received 2018-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I have mailed 611 letters to all 3 credit bureaus twice. Both times were certified. I've called in several times and waited on hold to speak with a representative. I have only seen results with one bureau.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

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 Account Number:XXXX Account Name : XXXX XXXXXXXX  Account Number:XXXX  Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 2022-06-20
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. (CA)

I was XXXX  and in the XXXX  with XXXX for XXXX months and almost XXXX. I recently paid a large payment to XXXX XXXX XXXX and XXXX XXXX XXXX card. I asked them to remove the late payments due to my situation they refused. 

so now i am reporting a violation of the FCRA 15 U.S.C. sec. 602 a I have the right to privacy 15 U.S.C. sec 604 a sec 2 states a consumer reporting agency can not report anything without my written instructions.

these two laws were violated.

15 U.S.C. it is against the law to report anything which is late
Consumer complaint received 2022-03-07
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: WEBSTER BANK, NATIONAL ASSOCIATION (AR)

On XX/XX/XXXX I opened a Certificate of Deposit with Brio Direct ( powered by Sterling National Bank ) online. Luckily I printed off documentation from that transaction ( see pages 1-5 ) because I never received ANY OTHER correspondence via mail from this company again until XXXX ( see attached pages 6-7 ) which is a notification that this bank has changed hands. I did not sign up for an online account therefore I did NOT choose to go " paperless ''. 

Per XXXX, a month prior to my CD maturing, I should have received a notice - apparently giving me 7 days to withdraw my funds without a penalty- I did not. Nor did I receive a 1099-INT statement from this company in XXXX- as she stated that it was sent XX/XX/XXXX. 

The representative, XXXX, whom I spoke to @ XXXX and who also called me back from XXXX was unwilling to assist me in getting the {$22.00} fee ( as of today ) waived. Her claims are that if they have not received mail returned from my address that I must have received these documents. I've requested that dated copies of both the maturity letter and the 1099-INT be emailed to me at XXXX and nothing has been received. I also requested that this issue be escalated and set a time at XXXX CST on XXXX for a return call from a supervisor above XXXX and no return call was received. 

XXXX was condescending and uncaring, insisting she IS a supervisor, yet unable to do anything to assist me. Even after I told her I would like to escalate this issue, she continued to request that I give her permission to go ahead and close this account - of course minus the {$22.00} penalty fee. I declined her insistence, knowing that if I close this account- it will be a further battle to get this fee refunded.
Consumer complaint received 2018-12-19
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (AZ)

Upon review of my credit report in XX/XX/2018 it was brought to my attention there was several accounts that reported negatively that needed my attention. A few separate accounts were owned by the same Collection Agency, XXXX XXXX XXXX. There was a total of 5 accounts in all by the same above named agency. I sent a original certified and notorized letter requesting validity on all 5 accounts on XX/XX/2018 to XXXX XXXX XXXX, and requested items be deleted per my report if validity not received in the allowed time frame. I received a response letter stating that one of the 5 inquires would be deleted. The company did so in deletion of the one account but failed to respond in regard to the other 4 accounts mentioned. I reached out to the credit bureaus at this point via certified mail on XX/XX/2018 sending them a copy of the letter provided to the collection agency, to bring the issue to attention and have this resolved and removed properly as stated in the Fair Credit Act Law. At this date and time XX/XX/2018 the Collection agency as well as the Bureau have failed to review and properly delete accounts who have not provided proper proof of validity.
Consumer complaint received 2018-05-21
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

This is the 5th time trying to correct this. Company states I owe {$710.00} from XX/XX/XXXX. I've asked repeatedly ( through CFPB, Direct Dispute, XXXX ) to get a signed copy of the account opening documents to verify that this debt is in fact not fraudulent in nature, to date I have not received this documentation but the " debt '' still exists on my credit report. The company did provide a statement showing {$710.00} in arrears on a {$300.00} credit limit ( I still do not verify I know this debt ). Based upon the data that may or may not be factual, default would have occurred in the middle of XX/XX/XXXX. None of the " facts '' can be verified, I demand signed documentation.
Consumer complaint received 2016-07-13
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (NY)

On XXXX XXXX, 2016, a Chase Mortgage Banker, XXXX XXXX deducted {$500.00}. from my account before the appraisal was done ( I never scheduled it ). On XXXX XXXX, 2016 I spoke with her and requested my application be withdrawn. She responded by saying ok and that the funds would be back in my account in a couple of days. XXXX XXXX made it 2 weeks so I visited the branch and was informed that the application was approved. That tactic was dirty and underhanded. It had n't been approved when we were sitting in front of her and made the request ; she put the paperwork through anyway disregarding the customers ' request.