davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-27
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 (NV)

Capital One Bank has been 3 months on changing my payment date and every time I call since XXXX it's been one run around after run around with request of payment change of date. Capital One Bank every time I call they claim that the request was just put in. Change my request in XXXX every time it's the same old story as it's games with capital one bank.
Consumer complaint received 2019-09-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/2019 an ATM at my local XXXX, Florida branch jammed 2 of  the checks I was depositing. I informed the branch teller who said they would taken out later that day and credited to my account. As multiple deposits were made I need to know the amounts of the checks and who they were from as this machine usually provides a copy. It has now been almost 2 weeks and the bank will not tell me any information except they are working on it. When I call the branch they no longer answer the phone and when you call the general service number you get transfered from person to person and they just tell you to be patient. I would think they should have some accountability. They have the check and they should tell me how much it was for and who it was from so I can credit the proper tenant who gave it to me. Chase bank seems to have no concern about the customer.
Consumer complaint received 2019-09-20
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: DISCOVER BANK (OH)

I sent a letter to discover financial services about an account that they are reporting on my credit report that I have no recollection of on XX/XX/2019 i had an affidavit signed and mailed to discover financial about the account ending in # XXXX on XX/XX/2019. I still have not got a response from discover financial only update i seen on my credit report was that the account was charged off instead of being deleted I will attach proof of the date my affidavit was created and also that the account was charged off instead of deleted from my credit report.
Consumer complaint received 2019-09-20
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: EQUIFAX, INC. (CA)

EQUIFAX has failed to complete an investigation begun by Equifax in response to CFPB COMPLAINT XXXX regarding XXXX XXXX XXXX, account # XXXX. 
By function of credit law and procedure this fraudulent account should have been removed from this bureau 's report as it was done on XXXX and XXXX, long ago. 
THE EQUIFAX REPORT AS ATTACHED SHOWS THIS ACCOUNT '' UNDER INVESTIGATION '' YESTERDAY AFTER CLOSURE OF THE 30 DAY DISPUTE PERIOD begun by the response to the noted CFPB complaint above.EQUIFAX IS NOT HANDLEING THEIR WORKLOAD AND VIOLATES THE FCRA, to my detriment.
Consumer complaint received 2019-09-20
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: BMW Financial Services NA, LLC (CA)

at end of lease, turned vehicle in at XXXX XXXX, XXXX calfornia. car was in perfect condition. 

Dealer claimed vehicle to be in " great condition '' subsequenlty, BMW financial services charged me {$400.00} for undescribed " excess wear '' Tried to contact BMW financial, no success. 

at beginning of lease, had purchased policy to cover " excess wear ''
Consumer complaint received 2019-09-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CT)

On XX/XX/XXXX I received a notice from PayPal that I had authorized a payment to XXXX XXXX in the amount of {$59.00}. I immediately disputed this charge as unauthorized, as on XX/XX/XXXX I had filed a claim for the same amount ( {$59.00} ) for the same merchant. As I had previously filed a claim against this merchant, It was my reasonable understanding no further charges or reoccurring billing would be allowed by this merchant. I did not receive any products or services from XXXX XXXX within the last two years, and in XX/XX/XXXX the merchant did not respond to myself or PayPal for resolution to the XX/XX/XXXX case. I do not understand why I was automatically charged {$59.00} exactly 1 year later and that there was not an administrative or technical control in place to prevent the automated transfer of funds from my debit card to XXXX XXXX when I had previously proved to PayPal I was not in receipt for any products or services offered by XXXX XXXX. I initiated a claim in PayPal resolution center for unauthorized charge on XX/XX/XXXX at XXXX EDT. I received an email that my claim was denied and closed on XX/XX/XXXX at XXXX EDT ( exactly 4 hours later ). At XXXX XXXX EDT I attempted to logon to PayPal and begin another claim. I was not able to proceed, as PayPal blocked this action, informing me I had 'already filed a claim for this purchase '. Additionally, the claims history in PayPal did not contain the historical information for my claim I had issued on XX/XX/XXXX which caused me to have to login to my email server and retrieve the historical documentation of the previous claim to the same merchant, placing the burden of proof on myself.
Consumer complaint received 2023-04-04
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. (NY)

To Whom It May Concern : This notice is to inform you that you unlawfully reported an unauthorized account on my consumer report. I have not given you written permission to put anything on my credit profile. You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 



I am writing this letter to dispute the following accounts : XXXX XXXX - XXXX -IDENTITY THEFT - PLEASE REMOVE FROM MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX -IDENTITY THEFT - PLEASE REMOVE FROM MY CREDIT REPORT XXXX XXXX- XXXX -IDENTITY THEFT - PLEASE REMOVE FROM MY CREDIT REPORT XXXX XXXX XXXX- XXXX -IDENTITY THEFT - PLEASE REMOVE FROM MY CREDIT REPORT XXXX  - XXXX -IDENTITY THEFT - PLEASE REMOVE FROM MY CREDIT REPORT XXXX XXXX XXXX - XXXX - IDENTITY THEFT - PLEASE REMOVE FROM MY CREDIT REPORT XXXX XXXX XXXX - XXXX - UNAUTHORIZED - PLEASE REMOVE FROM MY CREDIT REPORT The following names aren't mine or correct- PLEASE R This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Thank you, XXXX XXXX
Consumer complaint received 2019-09-20
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: Bread Financial Holdings, Inc. (FL)

On XX/XX/2019, I received a text message from Comenity XXXX XXXX Fraud Department about suspicious activity from XXXX/XXXX ( XXXX ) amount {$67.00} on that same day XXXX made an online purchase of a GPS from XXXX XXXX XXXX XXXX in NY ( XXXX ) amount {$120.00}. I just used my card to pay for the GPS but my information was stolen at the same moment.
Consumer complaint received 2019-05-01
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

I applied for a XXXX XXXX  position at the company XXXX XXXX on XXXX. I was contacted a few days later with a scheduled interview. It was an online interview for 30 minutes. I was supposedly selected then a few days later I was sent a check to purchase office equipment for my home. I went to my bank on XX/XX/19 and asked the teller " do you think this is legit? because I am not familiar with positions like this ''. I was told that if the check goes in my account it should be good to go. XXXX contacted me and asked if I was ready, I said no because the money isn't in my account and they said it should be there by tomorrow the latest. I checked and it was there so I thought everything was legit. My next step was to go to my bank and get a cashiers check and take that check to XXXX XXXX XXXX. I explained the situation again " does this seem secure because I am not familiar with this kind of business '' but I didn't receive any warning. I did all this by XXXX on XX/XX/19. The people were suppose to deliver the equipment to me by XXXX. Something told me to check my account. I checked, the funds from the check was gone along with that same amount from my bank account. I called my bank, they told me to go to XXXX XXXX  XXXX and stop the check. I got there at XXXX and told them to please stop the check, something is wrong with this transaction. The lady at the branch told me that it was already scanned. Now here I am. 

I have been trying to get to the bottom of this with XXXX  XXXX XXXX, they sent me a few forms to get signed by my bank ( HSBC ) but they keep telling me that they can't sign anything. I am trying to get to the next step with this issue but my bank is not assisting me so now am trying to see what I can do to resolve this issue.
Consumer complaint received 2019-09-20
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (GA)

On Thursday XX/XX/2019 XXXX I call the XXXX XXXX to try to resolve this problem because they have been harassing my XXXX XXXX XXXX aunt calling he several times a day and using abusive language on how she need to resolve this matter. I was paying the amount out of my account until I made contact with the Nissan Motor Acceptance Corporation when they advised me that they wasn't receiving any money on this account because the account has been closed. The amount owed is the amount that the gap insurance didn't pay. On this day I advised XXXX XXXX XXXX that I will no longer allow them to take money out of my account. If they send it to me in the mail with a break down of where the money that has already been paid I will pay the bill with no problem. Ms. XXXX stated that isn't the way it is going to be done. She will tell me how it is going to be done. Ms. XXXX have called me several time over and over again being rude. She has harassed my aunt almost in to a nervous break. They are calling everyday several times a day. Ms. XXXX stated it has to come directly out of my bank account.
Consumer complaint received 2019-09-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (OH)

After attempting to recoup money from the vendor, I made some chargeback requests for events I purchased that either did not happen or were cut off very early due to inclement weather. Citi was able to verify some on their own quickly, but they have closed others not in my favor or requested additional information in other instances. Being very busy, I've not been yet able to respond to all additional information requests, but I've had no issue with their resolution team until now. After processing these chargeback requests, Citi has suspiciously, and suddenly, closed all of my accounts in what I can only assume to be retaliation for my chargeback requests. They refuse to talk to me on the phone and will not state why the accounts have been closed or why they can't talk to me. The company has a duty by law to pursue chargebacks on behalf of their customers, and for them to retaliate when I ask them to exercise, on my behalf, specific rights is egregious - particularly when no one at Citi will even talk to me about the issue. I've read on forums other people have had gone through similar situations in which Citi has tried to shirk it's duty to customers by ending accounts without notice or valid reason. Citi should be held accountable and this kind of practice needs to stop. They are also conveniently trying to not pay me out on over {$100000.00} worth of cash back and TY rewards I earned on purchases that they've already been paid out for in processing fees, amounting to a huge unjust enrichment.
Consumer complaint received 2019-09-20
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. (PA)

On XX/XX/2019 I noticed that I had many fraudulent accounts on my credit report I filed a Identity theft report with my local police department and then notified the credit bureaus. I have received resistance in securing my identity with Equifax and XXXX. They are in clear violation of my rights as a consumer and I have given them all the proof and documentation that I have in regards to this matter. Had I known previously what I know now I would have made the bureaus aware sooner. I have a total of 12 collection accounts, 10 Credit Card accounts, 9 EDU accounts and 1 car loan that I am not responsible for and needs to be removed from my credit report.
Consumer complaint received 2019-09-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

Citi closed my credit card account during the conversation with out reading disclosures. phone was cut off so I thought my account was still active but it was closed when I checked online. I asked Citi to re-activated but they informed me that I have to apply for re-open which I did and City declined my re-open request saying I have existing Citybank card was past due. I have no delinquent on my credit report it was missed place auto pay on their website and I got charged for late fee so argument was started. I paid for late fee but it was still in grace period and not even late enough to report to credit bureau. I feel so discriminated both on the phone talking to supervisor and rejected my re-open request by Citi Bank. 
Received a letter from Citi dated XX/XX/2019 stated I have to release credit from frozen. 
I called credit bureau and unfrozen and called Citi on XX/XX/2019 notify them it's released. 
I called to check my application couple of times but never got updated. 
I sent out the letter asking what's going on with my application dated XX/XX/2019. 
After one and half month after I received a letter saying it was declined. 
Please see attached letter dated XX/XX/2019 and XX/XX/2019.
Consumer complaint received 2019-09-27
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: LoanCare, LLC (CA)

I have been working to build my credit over the last year in order to secure business funding for my growing company. I recently took out a home loan 5 months ago and had gotten my score to over 768 points with XXXX the primary bureau that business funding looks at. 

When I went to apply for the much needed business funding, I was informed that I was denied due to my Mortgage loan reporting a 30 days late in XX/XX/2019. This dropped by score below 700 which was the minimum requirement for funding ... I called the company administering the loan " LOAN CARE '' and found that my loan had been sold to their company and that they would be my new servicer of record. This was fine, but I was not past due and they admitted on a recorded line that they had made a mistake. They told me it would be resolved and updated. 

I also submitted a dispute with XXXX directly as to ensure that Loan Care would be held accountable. I was notified this morning however that Loan Care " validated the 30 days late '' and XXXX denied my dispute and will continue to report the late. 

I have since this morning re-disputed the item with the 3 major bureaus and written my 3rd email to Loan Care support with no replies. 

I have drafted a letter of complaint that I will attach outlining the facts and details of my situation, but ultimately they have reported in error and it is impacting my life dramatically. 

Please help me get this resolved! 

XXXX XXXX
Consumer complaint received 2019-09-19
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bridgecrest Acceptance Corporation (CA)

I had a auto loan with bridgecrest financial, bridgecrest without any knowledge to me sold the debt to XXXX XXXX for {$9200.00}. I was never contacted by XXXX XXXX  by phone, mail or any other means. I called bridgecrest because i totaled the car. They advised me that i needed to contact XXXX XXXX  So when i did i was told that ibowe the in excess of XXXX more that the car was every worth i ask forba brake down of the charges and was hung up on i called back for clarification asked for a manager and was told no one was available. I contacted bridgecrest against because i know i didn't owe them this amount when it was explained that they sold the the debt only for whatbwas owed XXXX not XXXX what XXXX XXXX  is trying to collect from me without explanation!
Consumer complaint received 2019-09-19
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: EQUIFAX, INC. (OH)

I have a address showing on my credit report that doesn't belong to me.. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX please remove the XXXX XXXX XXXX from my credit report. I am never lived there.
Consumer complaint received 2023-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2019-09-27
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: ALLY FINANCIAL INC. (NY)

I have sent 3 certified return-receipt letters over the past 6 months to Ally financial to dispute an item on my credit report ( one late payment that is affecting my credit score ) and have never received a reply to my dispute. They have exceeded the 30-45 day window to respond to my multiple disputes.
Consumer complaint received 2019-09-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ARVEST BANK GROUP, INC. (CA)

I was refinancing my existing Mortgage with XXXX XXXX of Arvest Central Mortgage. I was told that to lock the rate that an application needed to be completed and that I needed to have all three credit bureaus run by Arvest Central mortgage. On Wednesday XX/XX/2019 I informed XXXX XXXX that I had unlocked my third credit bureau ( XXXX ), he then informed of the current rate I would be locked at and then we discussed whether or not I would roll mortgage fees into the mortgage, come out of pocket for cash, etc., however I believed that my rate was locked for a XXXX year fixed rate mortgage at 3.375 % with no points to close ( actually a XXXX rebate point would be paid to me of a {$450.00} lender credit ). In my e-mail sent on XXXX XXXX PST I told him that I was fine with whatever mortgage balance would result in the refinance being a non-cash event for me ( no money out of pocket ). He sent me a final e-mail indicating that what I said made perfect sense on XXXX XXXX PST ( XXXX XXXX his time ) and that he would see if he could get an appraisal waiver. At this time I thought I was locked. The next morning XXXX emailed me with " today 's pricing '' which was much higher and indicated additional cost of {$1300.00} for me to get the same 3.375 % rate I was offered the previous day and believed I had locked. Please see the XXXX email strings attached that detail what I have just stated. I just want my 3.375 % fixed for XXXX years at the pricing they told me I had on Wednesday the XXXX. I did everything they asked which was fill out the application and run all XXXX credit bureaus.