davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I ordered native XXXX jewlery on line, charged to my Capital One Credit Card ending # XXXX, upon arrival several items not in small box, {$790.00} total, i have disputed many times, hired an attorney XXXX XXXX who has written many letters to Capital One, I have continued to call, etc., c/c did refund the {$790.00} several times then reversed, there reasoning based in seller gave them two tracking numbers they said fron the USPostal Service , I investigated these two numbers & USP said No such tracking numbers was ever ran through their system, i have paperwork referring to my case since XXXX, XXXX, my credit score was dropped by 40 % because I refused to pay the {$790.00} I never received.Help please, I am XXXX & have worked hard to keep great credit.???? The sellers are showing a signature with initials XXXX, clearly not me, my name on the account is my maiden name, XXXX XXXX, ( married name is XXXX ). All documents to support were mailed by my attorney to Capital One, I was told on phone they received.
Consumer complaint received 2024-03-17
Product: Credit 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 (VA)

I made a purchase from XXXX  paid features. I turned off the auto-renewal feature, which should be outlawed in the first place. XXXX charged me {$590.00} via autorenewal anyway. I didn't try to contact them because their tech support was almost completely unresponsive so I decided not to waste my time trying to reach them. Instead I contested the charge with Bank of America. They denied the claim twice after many months. Their explanation was that I was using the software because I logged in the system. This makes XXXX sense because XXXX has many free features that also require logging in. I am logged in right now but not paying for any paid features. I can not understand how this response from Bank of America is fair or logical in any way. I have screen shots of the XXXX web site showing I turned off the autorenewal feature. This situation is ridiculous.
Consumer complaint received 2024-03-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (TX)

i opened a chase account, deposited money on a check, tried to send the money out because i had just opened the account and did not have the debit card, i was told i would be able to access and use the funds when the check clears. it cleared, tried to send, now im banned from chase, closed account, can never use them again, they are mailing me a check with the deposited money, no information as to why they would make me wait 10+ business days to receive a check with my funds wasting my time and causing me to be late on bills, i havent had a bank in years, this is how they treat people?
Consumer complaint received 2017-04-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: MARINER FINANCE, LLC (FL)

I am requesting the removal of this debt collection. I have never done business with this company. I take my credit very serious. I have asked for information to be proved for me for account. I have n't receive anything. I do n't think it fair they will rather report inaccurate information and not verify the information.
Consumer complaint received 2017-05-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (PA)

I have a mortgage with Wells Fargo for my property at   XXXX   XXXX   XXXX    XXXX ., PA  XXXX . The loan number is  XXXX  and was originated in  XX/XX/XXXX . It is a 15 year mortgage however I opted for an accelerated payment schedule whereby I would pay twice a month. I was told by my mortage broker that this would reduce 4 years off the length of my mortage.
<P/>
I have been paying consistently on this loan and expected that it would be satisfied in  XX/XX/XXXX I made a series of calls to verify and discovered that the loan will not be satisfied until  XX/XX/XXXX .
<P/>
At the time of the loan origination Wells Fargo had a contractual relationship with   XXXX   XXXX   to manage the accelerated payments. I was not aware of this until I called. As far as I was concerned they were one in the same.
<P/>
I have never been given a scheduled for the accelerated payments. I never signed or approved of the schedule. I would not have accepted this if it only saved one year on the length of my mortgage. Paying twice a month was a sacrifice and I would not have done it to save one year on the length of the mortgage.
<P/>
I have issued complaints to both parties
. Wells Fargo does not acknowledge any ownership in this. They believe   XXXX   XXXX    is at fault.   XXXX   XXXX   does not respond to the complaints. Wells Fargo has since severed their contractual relationship with   XXXX   XXXX   which, I believe, is integral to this complaint Both of these parties are clearly in violation of fair lending practices. I am entitled to see the payment schedule that I supposedly approved and neither entity will provide it. <P/> I will continue to file complaints until one or both of these parties provide the information that I am entitled to.
<P/>   XXXX   XXXX   XXXX
Consumer complaint received 2016-03-14
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA (CA)

I leased a vehicle in XXXX XXXX ( Hyundai Sonata ) and traded it in for a different brand car lease ( Mercedes Benz ) in XXXX XXXX. We received the payoff amount of XXXX XXXX and change, which new car dealer confirmed and paid it off. In XXXX XXXX I received a call from the new dealer that the Hyundai is asking for more money to release the title of the vehicle. I provided the new dealer with several monthly statements that I had stating XXXX balance. A few weeks after providing the new dealer with the statements, I received a default notice that asked me for the payment of XXXX XXXX and change. I have made several attempts to call Hyundai 's default department and no one seems to know what is going on until I spoke to someone high ranking on XXXX/XXXX/XXXX at XXXX hrs who made no sense and stated that payoff amount that we quote is not an actual payoff. 
I have never had such a bad experience with a car company before. " Payoff '' to laymen folks mean " payoff '' and I believe that these people are delaying the process just to send the file to collections. 
Dear Sir/Madam, I really need your help in resolving this matter and can not really afford to be ripped off as a consumer and a law abiding citizen. Please help me deal with this unfair and greedy corporation.
Consumer complaint received 2022-09-06
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. (PA)

In accordance with the Fair Credit Reporting act XXXX  Account ( 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 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 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 XXXX  XXXX ) ( XXXX # XXXX ) has violated my rights. 

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-03-17
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (TX)

XXXX re-opened Best Buy credit card to purchase 2 appliances - purchase total {$1800.00}. I did not receive a new card in the mail. 
XXXX received 3 calls from Best Buy Fraud Dept asking if I had authorized new charges on the card. Explained I did not have a card yet and NO - I did not make any additional charges. The 3rd call from Best Buy Fraud Dept was for an electronics dept charge of {$740.00} - I said I did NOT make this purchase. I also cancelled the original appliance purchase of {$1800.00}. No proof of cancellation was sent to me. 
XXXX contacted Best Buy Fraud Dept to open a fraud case to investigate {$740.00} fraud charge. Cancelled the credit card - Fraud Dept said it would take 60-90 days to investigate - case # XXXX. I was told I would receive a letter confirming the " investigation ''. No letter was received. 
XXXX follow up to Best Buy Fraud Dept. no action - no correspondence. 
XXXX follow up to Best Buy Fraud Dept. no action - no correspondence. 
XXXX received statement from Citi Bank Card Services- past due charges {$300.00} + XXXX contacted XXXX XXXX ( TX Law Firm ) - they sent certified letters to Best Buy & Citi Card Svs no response. They were told they can not work with 3rd parties to claims. 
XXXX XXXX XXXX sent certified letters to Credit Reporting Agencies explaining the Best Buy Fraud I'm XXXX years old and had an excellent credit rating of XXXX - now my score is below XXXX & all my lines of credit have been reduced. My auto insurance ( based on credit score ) has increased & I am unable to qualify for " best rate '' from my lender to purchase a new car.
Consumer complaint received 2016-09-30
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (FL)

On XX/XX/2016 I contacted Equifax credit bureau. Spoke with a representative concerning why my credit score as to why I had lost XXXX points on my score. After I reviewed it from XXXX XXXX the night before. The representative could not answer why and basically just said that XXXX XXXX is n't always correct. In which I informed her that Credit Karma gets the information from the credit bureaus, because I seen an inquiry from XXXX XXXX on my Equifax report dated XX/XX/2016. She could not tell me why my credit score was XXXX points less than it was 2 weeks ago. Although I have paid off a student loan recently. So I asked to speak with a supervisor an she could not explain to me why my credit score had dropped XXXX points as well. I asked her to fix my score, Inwhich, her reply was she could not. I said to her but you took XXXX points from my credit score and you do n't know why and you ca n't fix it. Than she proceeded to say that it was because of a dispute with my mortgage company in which that never occurred. I have no dispute because I 'm paying my mortgage on time and I know that does not bring down a score. I asked her to send me the credit report that shows there is a dispute from me on it concerning my Mortgage company.
Consumer complaint received 2016-06-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (TX)

I previously disputed the status of a credit card XXXX that i had in XXXX that was included in my CHXXXXBK and discharged on XXXX/XXXX/XXXX. I disputed this 2X 's with Equifax and then again with CFPB. I was advised in my CFPB Complaint that this account is showing included in CHXXXXdischarge and the information provided to me was incorrect. 

This account is still showing in the revolving status, please see attachment stating Equifax Credit Report XXXX. Equifax also provided false information to not only me but also to CFPB please see attachment stating '' XXXX Credit Card CFPB Complaint '' stating that they closed this account and they did not. 

I 've disputed this matter countless times, this is affecting my credit which is directly affecting my life. These are not the only inaccuracies i continue to face with this reporting company, this matter needs to be dealt with the up-most priority as this is a constant agitation to me as well as to my family.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

TRANSUNION is reporting a bankruptcy that isn't mine nor accurate on my credit report. They deleted the public record and then put it back on my report without giving me a 5-day notice. This is a violation of my consumer rights.

Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4. 
I have not supplied proof under the doctoring of the estoppel by XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX. I presume that no proof of the alleged debt nor therefore any such debt in fact exists
Consumer complaint received 2021-01-27
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: STERLING JEWELERS, INC. (FL)

XX/XX/15 I have an account that was opened in my name and i sent a letter to the creditor as well as XXXX. XXXX  allowed these accounts to be opened without getting the proper id and now these accounts are having a negative impact on my credit. I want them to send me idenification and solid proof that I opened this account not papers and activities that happen on the account because that's not helpful .... 

Jared XX/XX/15 Kays XX/XX/15
Consumer complaint received 2016-03-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: NCC Business Services, Inc. (TX)

I am going to be hones I due owe my old apartment complex. I have tried to get the collection agency and apartment complex to either mail me or email me a VOD i have proof that i requested for the collection agency to email me a verification of debt and validation of debt i have the emails with the time stamp as proof to back me up. The balance is extremely to high from the paperwork that I was giving showing my outstanding balance if someone could please contact me on my phone at XXXX or via email XXXXXXXXXXXX please I really want to resolve this issue. Thank you.
Consumer complaint received 2015-09-24
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC. (GA)

We purchased a home in XXXX and were underwater by XXXX ; received a modification which took months, but eventually had to list the home for sale in XXXX. The process with SunTrust Mortgage took over a year and a half to resolve with them asking for {$120000.00} to close. We said we did n't have that so then they asked for {$60000.00} ; we could n't do that, but the bank said we would need to sign a promissory note at closing. We felt stuck and did not want to disappoint the buyers, so we agreed. Currently, we are ages XXXX and XXXX and still paying from our pensions on a house we had to short sale in XXXX XXXX. We need some advise and assistance. Thanks.
Consumer complaint received 2024-03-26
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Upstart Holdings, Inc. (CA)

I was tricked into signing a lease at XXXX which is illegal in California. not knowing what I was even doing. Over the first year of payments only XXXX has gone to the principal I really need help. Cant afford this truck while Im trying to raise XXXX XXXX
Consumer complaint received 2020-10-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Waypoint Resource Group, LLC (TX)

Waypoint Resource Group is falsely reporting a balance of {$190.00}  from XXXX that I do not owe. I asked the representative with Waypoint Resource group if they owned they debt and she said that  they do not. I have a {$0.00} balance with XXXX XXXX, therefore, Waypoint Resource Group should not be reporting anything.
Consumer complaint received 2016-08-21
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Dynamic Recovery Solutions, LLC (AZ)

Dynamic Recovery Solutions continues to call both private cell numbers and business numbers to collect a debt that is illegitimate and is not owed. They have been told to stop, and yet they have stepped up the calls rather than stopping them. They are looking for someone that is not at any of these numbers, and bullying the people who answer for information. They are using illegal tactics to collect this debt. They are calling late at night, they are calling on weekends, they are calling early in the morning. Everything this company does as far as debt collection is ILLEGAL.
Consumer complaint received 2023-04-15
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: EQUIFAX, INC. (PA)

Based On, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that result from an alleged identity theft. not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identi theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which vid rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

Closed Account Names : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-09-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (MI)

I am repeatedly receiving a collection notice from Transworld Systems , Inc. regarding a debt owed to XXXX # XXXX in the amount of {$61.00}. When I call XXXX, I am told that I do not have any balance due. XXXX has noted this on my account. Transworld keeps sending me these collection notices, however. When I attempt to call Transworld, I get put into a call queue, which then dumps into a voicemail, and no one ever answers or returns the call.
Consumer complaint received 2023-07-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Westlake Services, LLC (OH)

I went to XXXX for a consultation onXX/XX/2023 for laser hair removal for the buttocks, face and neck. I was informed of a payment plan. After my consultation appointment I received a call to sign paperwork. I signed the paperwork for a 36 month payment plan electronically. On Friday XX/XX/ I called XXXX to cancel any upcoming appointments and to cancel the loan. I was informed by XXXX staff they could not cancel or close any loans it would have to be done by XXXX XXXX since the loan had already accepted. I reached out to XXXX XXXX, they informed me that they were unable to close the loan out that it would have to be done by XXXX. Ive called both XXXX and XXXX XXXX on this matter every day for a week now. Nothing is being resolved. I have not paid anything nor have I had any treatments. I have been trying to close or cancel the loan two days after I signed. I no longer want services or treatments.
Consumer complaint received 2019-02-27
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: SUNTRUST BANKS, INC. (NJ)

i Contacted SunTrust about a unauthorized inquiry on my credit report and unfortunately I was told SunTrust do not have a written consent with my signature in agreement to their invasion of my privacy. 
They also stated they had permissible purpose to do so through other unknown companies that supposedly have a consenting application for credit. 

However, Suntrust have fail to display the application with a signature or electronic signature or any form of consent to allow this inquiry. 

This company records do not provide the one document to be factually sound in their previous statements.
Consumer complaint received 2016-09-08
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (CA)

I took a trip to XXXX, XXXX XX/XX/2016 and made several attempts to withdraw money from a bank ATM. I was not able to withdraw money in XXXX banks that I tried. I then logged into my online bank account to make sure my travel notification for my debit card was on. My credit cards travel notification were on, however my debit card was not so I turned it on. After turning it on, I again attempted to withdraw at another bank ATM. Again I was not able to so I gave up for the night. Later that night I logged in again to my online account to see {$410.00} was taken out of my checking account. I called Chase to report it and explained to them what happened ( only thing that could have happened : card cloning ) and they " gave me credit due to ATM dispute '' of {$410.00} and {$5.00} ATM fee. About 3 weeks later I am on another trip and I am checking my online account to find " reverse credit for ATM dispute '' of {$410.00}. I called Chase to try and figure out what happened. What they said was that they had evidence that what I had initially said was not possible. I asked them for their evidence and they basically said that it is physically impossible for someone who does not have my debit card to take money out of a ATM because it is a chip enabled card. In total I talked to XXXX representatives and they all said the same thing.
Consumer complaint received 2017-05-01
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JPMORGAN CHASE & CO. (TX)

There was a vehicle purchased  via Chase wher e I was listed as a co signer. After a few years the last payment that was to be made on the vehicle was returned ) ( I received this information from the Rep AFTER it was reported on my credit files  ). I  never received a phone call or a letter regarding the issue and the debt was just put on my credit report without me being notified whatsoever. I contacted Chase to let them know that I was unaware of the situation because no one reached out to me about the issue. The lady gave me a  XXXX   XXXX  address that was on file, which was n't my address nor have I ever lived there. I want this deleted from my credit report due to unfair collection practices and depriving me of resolving the issue before it got reported.       Thank you