davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-11
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 (PA)

Charges on CapitalOne : ( First contact with CapitalOne XX/XX/2022 ) dispute # 1 XX/XX/2022 ... ... XXXX ... ... ... {$190.00} XX/XX/2022 ... ... XXXX ... ... .. {$60.00} Tracking # XXXX Tracking number is showing delivered to XXXX, XXXX  ( not my address this is item returned to Bio*Lyfe ) Requested tracking # of goods shipped and received at XXXX XXXX XXXX, XXXX track # __________________________________ # 2 XX/XX/2022 ... XXXX XXXX ... XXXX .... {$190.00} Requested tracking number for this hipment Tracking # ____________________________________ ************************************************************************************************ I have refused to pay for the above XXXX charges due to the fact that no merchandise has ever been received by me or anyone else at my address XXXX XXXX XXXX, XXXX, XXXX  XXXX ( shipping and billing address the same XXXX XX/XX/2022 First XXXX with CapitalOne on this matter spoke with XXXX ... ... ..XXXX XXXX XXXX XXXXXX/XX/2022 CapitalOne provided paperwork from XXXX XXXX. 
Page 2, Page 3, Page 13 ... Delivery Results tracking # XXXX ... XXXX item has been delivered to the original sender at XXXX on XX/XX/2022 in XXXX, XXXX Please XXXX tracking # for reshipment_______________________________ I have requested this information thru CapitalOne asking vendor to supply this information. If tracking number can not be provided, provide information when credit was issued. 

Or provide credit issued information______________________________________ Dispute # 2 ( charge from XX/XX/2022 ) Recurring subscripition charge ... ... XXXX please provide tracking number for this shipment Dispute # 2 tracking_______________________________________ ************************************************************************************************ I have been trying since XX/XX/2022 to resolve this matter with Bio*Lyfe, and I contacted CapitalOne XXXX XX/XX/2022. I informed XXXX at CapitalOne that I never received anything communication/paperwork at all from XXXX, IF PAPERWORK WAS SENT THIS MUST HAVE GONE TO SPAM MAIL AND WAS DELETED. 
I do not understamd why this paperwork can not be provided by XXXX 
XXXX requested by CapitalOne *Sales Invoice or purchase agreement *Date and proof of cancellation *return policy from vendor *refund voucher from vendor I am very frustrated due to the fact that I have called, written over 5 times and attached all necessary proof of never receiving and CapitalOne is still siding with vendor. 

continue of complaint # XXXX
Consumer complaint received 2022-01-08
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. (MD)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-29
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: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$800.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received XXXX XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$800.00} -This is not my account.
Consumer complaint received 2020-11-29
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL (IL)

This complaint is against paypal credit and PayPal Mastercard. I explained i was affected by covid. The said I used my 3 months of help. Unfortunately it is still going on. They call 20x a day texts messages and call from different numbers. I told them I can not pay they said they are reporting it to credit bureaus and I asked for them to stop calling and after my mortgage is paid and my XXXX year old eats I will pay something if I can. They continue to call
Consumer complaint received 2019-08-10
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (PA)

I received a mail solicitation from Chase Bank with the coupon offering {$300.00} Bonus for opening Checking account and {$200.00} for opening Savings account or {$600.00} for opening both Checking and Savings account. I went to the Chase Branch, located at XXXX XXXX XXXX XXXX XXXX, XXXX, Fl XXXX and XXXX XXXX, Chase Private Client XXXX helped me to open Chase Total Checking account # ending inXXXX and Chase Savings # ending in XXXX. While he was opening these accounts, he entered the promotion code printed on the coupon and the system has advised him that I may not qualified for the bonus because of two year rule, i.e. one bonus is awarded every two years. I immediately advised XXXX XXXX that I am not interesting in opening accounts if I do not get the promised bonus solely because of a very significant amount, {$15000.00}, required to deposit and keep for over 90 days with Chase Bank in order to qualify for the bonus. I explained to XXXX XXXX that keeping more that {$15000.00} on the account practically interest free for over three months would cause an economic loss to me if I dont get the {$600.00} bonus. XXXX XXXX assured me that if the bonus wont be paid he will approve crediting it on the branch level, at the branch expense, beingthe second in charge at his branch. Only after receiving XXXX XXXX assurances that I will be paid combined bonus of {$600.00}, I agreed to open both accounts and keep over {$15000.00} for the next 90 days. On XX/XX/19or more then 90 days after account opening, I received a {$100.00} bonus. I immediately contacted XXXX XXXX seeking the remaining portion of {$500.00} that has never been paid. XXXX XXXX asked me to provide him with the copy of the coupon so he would request a credit on the branch level as he promised at the time of the account opening. His bonus request was denied and he escalated this case to his superiors. In early XX/XX/XXXXof this year, I received a phone call from XXXX, a Chase representative who refused to provide his last name and who told me that Chase is not going to honor XXXX XXXX promise made on behalf of the Chase Bank and pay the promised {$600.00} bonus. XXXX has shown no compassion or understanding of my situation. I would not have opened accounts with Chase and kept over {$15000.00} practically interest free for over 100 days, but not for solely XXXX XXXX promise to pay me {$600.00} opening bonus.
Consumer complaint received 2018-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MD)

On XX/XX/XXXX i received an email reminder of results. I was able to obtain online results of that item and saw another result submitted. When printing out the results the page printed all black over the correspondence. I went back into the system using another confirmation number I saw that was completed with no email notification and was block out their system. Equifax identity questions did not pertain to me claiming I opened a mortgage and who 's the bank. I wrote Equifax over the last 90 days to refrain from sending email notification to a particular email address. All request were ignored. 

One XX/XX/XXXX I received another email claiming it was a reminder email about completed results. Equifax did not allow me to view the results on Equifax.com claiming information submitted did not match. No information was provided but confirmation number, name, social security number, DOB, and address
Consumer complaint received 2021-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Hello, I do not know the reason why I dont receive an answer from the different Bureaus, there is a lot of information on my report that is incorrect and Im trying to correct that, Ive been doing this for months now and havent receive and answer, I know the Law and they are supposed to send me some correspondence.
Consumer complaint received 2021-09-11
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. (CA)

XXXX is the worst company I've experienced as far as fraudulent reporting, incorrect information and refusal to fix it. There are many inaccuracies from this acct and it's reporting. 

They stated assistance for covid affected individuals was available in the form of deferred balances of missed or late payments and would not report the corresponding payments and balances as late or anything else negatively effecting credit, this did not happen. I have multiple lates reported ( some of which where the original ppayments supposedly forgiven for covid were still made on time and with full payment ) that are incorrect, I have a much higher balance reporting than correct, they have materially hurt my abilities to qualify as a mortgage loan originator because of the massive negative effect this has had on my credit. 

Not only is XXXX leaving out my positive payment history for all of XXXX and XXXX, through opening of the loan in XXXX of XXXX all the way through XX/XX/XXXX are not reported despite on time payments. This is also clear from balance reporting. The balance is VERY incorrect, somehow I've made almost 36 payments and my balance had not gone down, the dispute lowered the balance but not nearly by as much as has been paid down. 

XXXX has a few options to resolve this to avoid further action including but not limited to legal action for incorrect reporting, fraudulent balance reporting, incorrectly reporting late data, and once notified of desire to refinance removing multiple on time payments from history as well as increasing the balance on the report clearly intentionally getting in the way of refi or anything I could do they will, lower the balance to the correct amount and include a portion for the damages real and emotional that resulted in inability to refi car loan to a lower more manageable rate, the neg effect on my report preventing me from making more money at my job because of licensing, and the neg effect of not being able to open a credit acct during emergencies where I had suffered with no food and to remove all late payments and CORRECTLY show no missed/late payments throughout the whole loan not just refusing to even show data as they have done during XXXX while all payments were made ( which I'm sure is part of the balance issue ) so lowering the balance by a min of $ XXXX as it should be reported anyhow and a credit of $ XXXX on the balance. 

Option 2, send a credit in the form of a wire or eft to bank acct of my choice which I will inform of after review is complete and XXXX decides which option to go with. 

Option 3, forgive the whole balance and correct the late payments. 

Any of these options is considered acceptable for myself.
Consumer complaint received 2022-08-12
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. (NY)

This is my various 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. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2017-09-16
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: General Motors Financial Company, Inc. (FL)

Auto was repossessed on XX/XX/XXXX after contacting after GM Financial they would work with me as I communicated I could pay my normal payment but had no residual income for arrears. I was told not to worry they will work with me.
Consumer complaint received 2021-09-11
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: Santander Consumer USA Holdings Inc. (CA)

Santander is the worst company I've experienced as far as fraudulent reporting, incorrect information and refusal to fix it. There are many inaccuracies from this acct and it's reporting. 

They stated assistance for covid affected individuals was available in the form of deferred balances of missed or late payments and would not report the corresponding payments and balances as late or anything else negatively effecting credit, this did not happen. I have multiple lates reported ( some of which where the original ppayments supposedly forgiven for covid were still made on time and with full payment ) that are incorrect, I have a much higher balance reporting than correct, they have materially hurt my abilities to qualify as a mortgage loan originator because of the massive negative effect this has had on my credit. 

Not only is Santander leaving out my positive payment history for all of XXXX and XXXX, through opening of the loan in XXXX of XXXX all the way through XX/XX/XXXX are not reported despite on time payments. This is also clear from balance reporting. The balance is VERY incorrect, somehow I've made almost 36 payments and my balance had not gone down, the dispute lowered the balance but not nearly by as much as has been paid down. 

Santander has a few options to resolve this to avoid further action including but not limited to legal action for incorrect reporting, fraudulent balance reporting, incorrectly reporting late data, and once notified of desire to refinance removing multiple on time payments from history as well as increasing the balance on the report clearly intentionally getting in the way of refi or anything I could do they will, lower the balance to the correct amount and include a portion for the damages real and emotional that resulted in inability to refi car loan to a lower more manageable rate, the neg effect on my report preventing me from making more money at my job because of licensing, and the neg effect of not being able to open a credit acct during emergencies where I had suffered with no food and to remove all late payments and CORRECTLY show no missed/late payments throughout the whole loan not just refusing to even show data as they have done during XXXX while all payments were made ( which I'm sure is part of the balance issue ) so lowering the balance by a min of $ XXXX as it should be reported anyhow and a credit of $ XXXX on the balance. 

Option 2, send a credit in the form of a wire or eft to bank acct of my choice which I will inform of after review is complete and Santander decides which option to go with. 

Option 3, forgive the whole balance and correct the late payments. 

Any of these options is considered acceptable for myself.
Consumer complaint received 2020-11-29
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: TRUIST FINANCIAL CORPORATION (MN)

This vehicle amount I was quoted was {$260.00} and a {$1200.00} trade in. I was told by the dealer that I could return this vehicle with no issue. Then I received voicemail attempting to intimidate me to agree to new terms and conditions. This went on for weeks. I asked repeatedly to end the deal and return my trade in the vehicle. I was threatened that the dealership has means to force the deal with a higher monthly amount and lower trade in value. I emailed the dealer and sent emails to the XXXX. The car went into collection.
Consumer complaint received 2017-09-16
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (IL)

In the most recent complaint and response, the company gave an explanation of debt and attached several documents to include a lease and a disposition of security deposit statement. My complaint revolved around an unsubstantiated charge for parts, which was listed under the name XXXX. The company 's response was that " XXXX '' was for utility charges ; out of all the documents that was submitted in their complaint response, their was no billing statement with regards to the claimed utility charge. Every month each tenant was given a billing statement of charges before any amount was asked to be paid. My request is that this company produce that statement to justify the claimed utility charge.
Consumer complaint received 2019-03-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TCF FINANCIAL CORPORATION (MI)

On Thursday XX/XX/2019 I went to a branch of Chemical Bank to pay off the existing balance of my home mortgage. Instead of charging me the existing balance, they added a {$30.00} " registration fee '' that was no where described in their truth in lending disclosure or complete terms of the mortgage. This is clearly just an arbitrary fee Chemical Bank has added to the process of closing out a mortgage with no basis other than an opportunistic way to add profit to themselves.
Consumer complaint received 2018-09-23
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 (VA)

My Bank of America credit card BankAmericard Visa Platinum Plus - XXXX was stolen. Somebody went on a shopping spree in XXXX. Once I discovered the fraud, I immediately started calling Bank of America every day, sometimes 2-3 times a day. naturally, every time I called, I got different answers to the same question. Finally, after a giant amount of wasted time, Bank of America filed fraud for some of the transactions and willfully failed to exclude some additional transactions, all happening in XXXX while I was in the US. Walking to a banking center proved useless, as employees said they could not help with a credit card dispute. Bank of America is so " big to fail and even bigger to jail '', that their " customer service '' does not know how to handle fraud claims and the different departments handling fraud, have no idea of customer service. My same card was previously compromised several times, even during transit, when I had not yet received their replacement. In a nutshell, dealing with Bank of America is extremely time consuming and beyond frustrating. Additionally, average wait times vary between 15 & 45 minutes, of course with the usual slim excuse : " Your business is important to us, please continue to hold ... '' On top of that, I spent easily 50 hours online, trying unsuccessfully to file fraud claims myself for all the charges, resulting from my stolen card, and naturally, I was not able to. I have told them at least 20 times that all transactions from XX/XX/2018 onward should be marked as fraud, and so far, I have not been successful. I am attaching a statement from their web site for your reference, thanks!
Consumer complaint received 2017-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I have several issues with not only the information being provided to the credit bureaus by XXXX XXXX, but the accuracy of that info as well.
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To summarize the issues I 'd like to see resolved : 1. There are multiple trade lines XXXX XXXX is reporting to the credit bureaus : one states is was opened on XX/XX/XXXX and the other opened onXX/XX/XXXX. XXXX have the balnce of {$2000.00} ( see attached screenshots ).
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2. XXXX of these closed trade lines are reporting incorrect payment history as well. Showing that I was more than 149 days past due, I have never been 149 days past due in my payments on this account.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am writing to address a matter of significant concern regarding XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX that is appearing on my credit report. Despite my best efforts, I have been unable to verify why this account is reflecting on my report. This situation has not only caused me undue stress but has also resulted in denials and questioning of my credibility by lenders. It is imperative that this issue be rectified immediately. I demand a thorough investigation into the legitimacy of these accounts and request solid proof that they indeed belong to me or were initiated by me. Without such evidence, I insist that these accounts be removed from my credit report without delay.