davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

I had a XXXX XXXX XXXX XXXX from Capital One, which was opened in XX/XX/XXXX. Capital One closed my account after having one delinquent payment in late summer of XX/XX/XXXX, which was paid only a few days late. The Bank did not close the account until approximately two months later and did not provide me with a written correspondence either USPS nor email. I learned of the closure by attempting to use my account. Before the closure of the account, I had responded to a GM/Capital One email advertisement that I did not want to receive promotional advertisements from XXXX XXXX XXXX in XXXX, LA because the dealer had been caught rolling back the odometers on used vehicles and I would never purchase anything from that dealership. I telephoned customer service inquiring the problems making a purchase and that was when I was notified the account had been closed. According to the XXXX XXXX XXXX allowed 5 % of all purchases to be credited to a rewards account in dollars to be used towards the purchase of a XXXX vehicle or service. Upon closure of the account, the consumer has up to 90 days to use the accumulated rewards at a XXXX vendor ; otherwise, the reward amount collected is forfeited. Keep in mind that the account was closed in good condition and current status. During the customer service phone call, I complained that since Capital One had closed the account without any formal notification and without cause since it was in current status along with my other three Capital Once accounts, Capital One was basically attempting to force me in to the purchase a new GM vehicle or lose the accumulated reward dollars that was just over {$290.00} & change. I demanded to speak with Executive Level Management because I was not in any financial position to purchase a new GM vehicle and since Capital One closed my account without proper legal notification, I demanded that the accumulated reward dollars be sent to me in the form of a check or credited to the balance of the account. My name and number was taken by the representative and informed me that I would be receiving a telephone call from an Executive Member within 48 hours ; however, that call never came and I have since stopped paying on the account because Capital One had committed consumer fraud and theft of a the accumulated reward dollars, as far as I was concerned. Since then, my financial status has fallen on extremely hard times and I am in the process of filing for bankruptcy still with an unsettled claim for XXXX XXXX XXXX Rewards paid to me. As far as I am concerned, Capital One has intentionally stolen my Rewards of just over {$290.00}.
Consumer complaint received 2022-04-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Law Offices of Mitchell D. Bluhm & Associates (MI)

The debt was paid to the orginally creditor in total on XX/XX/XXXX. 

Since around the end of XXXX I have received phone calls from XXXX XXXX XXXX  and the debt is showing up on my credit. It has been re-aged and even after having it removed by the credit bureau after showing proof of payment from XXXX, it has been put back on my credit again.
Consumer complaint received 2022-01-10
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Fidelity National Financial, Inc (CA)

Hello My name is XXXX XXXX we are trying to get a lien satisfaction letter from XXXX XXXX XXXX on our property at XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX we have the title but the deed keeps coming up with a lien on for XXXX XXXX XXXX XXXXXXXX is the trustee but they say they dont keep records which I thought by CA law trustees were liable to keep records, very little communication from XXXX XXXX XXXX  XXXX The info for XXXXXXXX XXXX is XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX. Their phone # XXXX and XXXX our condo is siting in escrow with them going on 2 months now, escrow officer is XXXX XXXX. The date recorded was XXXX XXXX Doc # XXXX we are confident the lien has been satisfied or the property would of been put into foreclosure, thats why we feel the trustee XXXX XXXX  should have the records and should be responsible and they are no help at all thats why I find it important to file a complaint for some help, we have a buyer we are trying to keep.please dont hesitate to let me know if you need more info I would be glad to supply if I have it.
Consumer complaint received 2021-08-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (NY)

I went into CHASE bank at XXXX XXXX XXXX XXXX NY on XX/XX/2021 to open a BUSINESS account. I was approved on the spot and I GAVE THEM {$2500.00} CASH to fund the account. I received a letter dated XX/XX/XXXX saying that CHASE has decided to close the account no further explanation, Thats all fine - I just need my money {$2500.00}. I was told in letter to call the number inthe letter which is XXXX I called twice I was informed the 1st time I would have to go into a bank branch which I did then the branch tells me no one can help me I would need to make an appointment I then called the different branches for a week unable to make any appointments. Then I call the XXXX number back and told them they would have to arrange an appointment at which time they did then casually tell me that I would have to bring in all this information that they didnt need to open the account then proceeded to tell me that it would still take 3-4 WEEKS to HOPEFULLY receive my funds by mail. 3 problems : firstly, I gave them cash so this should not be an issue- 2nd its not fair that they are making money with my money and I can NOT, 3rd I was APPROVED for a BUSINESS account with XXXX no problem but now they are threatening to CLOSE my business account because I have not made the initial deposit which has to be made within the week! Please help me there should be no way these people can legally hold my money like this - I should be able to move on as they have.
Consumer complaint received 2021-11-09
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (IL)

Experian failed to investigate my disputes properly just updated failed to have there customer / creditor provide them proof after documentation was sent showing debt was owed Failed to work in my favor to correct the problem Lowered my credit scores to hurt me because I disputed the information
Consumer complaint received 2018-02-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Advantage LNS Inc. (FL)

Back in Mid XX/XX/2014 I lived at XXXX XXXX XXXX. I ended up breaking my lease with the apartment and i moved out the country to live with my younger siblings because our mother suddenly XXXX. ( XXXX from XXXX suddenly ) I spoke with the apartment complex about my situation and they told me once they can get someone to move in my apartment when i move out everything would be fine, and someone did move into my apartment ... .so i shouldn't be penalize for breaking my lease ... .I was unaware of these chargers, I was only made aware of these charges 4 years later now that im trying to fix my credit score. I reached out to the collectors and they dont ever answer thephone nor return my calls ... ..I did get in touch with someone and they was rude and unhelpful. They are saying that the amount i owe is {$2200.00}, I dont how they came up with that number but thats not possible.
Consumer complaint received 2018-02-09
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Diverse Financial Enterprises (CO)

This company calls me 10-15 times a day. Also, they know that even though my number is registered in California, I live in Colorado because I have told them this repeatedly and they have my address. They continue to ignore this and call me early morning and after XXXX XXXX. It is bordering on harassment
Consumer complaint received 2019-03-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc. (CA)

On XX/XX/2019 ; I made a payment online to Santander Consumer, USA ; My CAR loan finance company ; I choose to make a payment of {$100.00} towards the principal ; They will not apply my payment, and want to it to apply to interest. 

When I called to confirm my payment was applied towards the principal loan balance ; Santander refused to apply my payment to the principal ; even when my payment is not due till XX/XX/2019 ; They are very unethical and pricing gouging customers. 

This Company charges me 26 % and has applied less than 10 % towards the principal and has priced gouged the interest rate and have taken advantage of charging 26 % interest rate. 

This is unethical business practices, and they fraudulent represents themselves ; indicating interest is due daily and due daily is NOT what my contract indicates ; I am charged monthly ; denying my right to make a payment towards the principal balance of this CAR LOAN is breach of contract, and misleading representation.
Consumer complaint received 2023-01-12
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. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated : 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 XXXXXXXX
Consumer complaint received 2022-04-29
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: CAPITAL ONE FINANCIAL CORPORATION (SC)

In accordance with the fair credit reporting act Capital One, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 a Section 2 : It also states a consumer reporting agency can not furnish a account without my instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit card plan as late for purpose.
Consumer complaint received 2019-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Credit Karma (VA)

My car was repossessed by XXXX XXXX XXXX on XX/XX/2019. I was behind 3 payments of {$110.00} to be paid bi-weekly, totaling {$340.00}. After they picked up the car they said I now owed {$930.00} to be able to get the car back. They stated they would hold the car for 10 days and that I had to pay at least {$400.00} by XX/XX/2019 in order for them to continue to hold the car and not completely take the vehicle. If I needed to go beyond the 10 day holding period the car would then begin to be charged a {$20.00} storage fee for each day it is held. I paid the {$400.00} to them on XX/XX/2019. They continued to hold the car and it then started to incur a {$20.00} storage fee each day after XX/XX/19. I called on XX/XX/2019 to inquire about the remaining balance owed to get the car back. The total on that day was {$830.00} which included the storage fees and XX/XX/XXXX payment which if paid in full would bring the account current and they would release my car back to me. I made the full payment of {$830.00} on XX/XX/2019, which brung the account current with my next payment being due on XX/XX/19,  and they released my car back to me. On XX/XX/XXXX I  received a notification from XXXX XXXX stating that there was a change reported to my credit report. I took a look at the credit report and XXXX XXXX XXXX had changed the status to the account to involuntary repossession and that the account is closed. I called XXXX XXXX XXXX on Friday morning when I was off work to discuss this matter because the account is in fact open and the status is current and has been since XX/XX/2019. They stated I would have to file a dispute with the credit bureau. Them stating that the account has been involuntarily repossessed and that the account is closed has damaged my credit score by  decreasing my score by 55 points. This information is not correct and I would like it to be removed from my credit report and the score fixed accordingly.
Consumer complaint received 2019-03-15
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (GA)

I placed an order online with XXXX using my XXXX card. The card was declined. I opened online chat session with XXXXSynchrony and asked what was going on and was told that my account was closed. I had never received any notification that my account was being closed. I asked why ... and who closed the account. I was told XXXX/Synchrony closed the card. They told me that they made a " business decision '' to close my card due to my XXXX credit report. I have had this card for about 4 years. When I received the card I had about {$1700.00} limit, never charged the card to the limit, they then lowered the limit again and again with no reason as ALL payments were being made on time ( except maybe 2 were a day or two late ). Eventually they lowered the limit to {$170.00}. Always paid on time, never the minimum payment, and the account had a -XXXX-  balance. They just up and closed the account from what I can see from my credit report in XX/XX/XXXX. By them closing the account XXXX/Synchrony drove down my credit rating for NO reason to them. I might be able to understand their decision if my account had been in arrears, but that is/was not the case. They have caused my credit rating to fall 40 points and it also looks very bad on my report that the " creditor '' closed the account. From what I can see online I am not the only person who has had this same problem with them. It seems to be a pattern with many other former customers. All whom have said they will never purchase anything from XXXX again!!
Consumer complaint received 2022-01-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (VA)

I am a man/natural person and this is not a credit repair company. On XX/XX/XXXX, I was discriminated against as I exercised my right as the consumer/benificiary in a consumer credit transaction when I applied for a credit card with DISCOVER which is a violation of the Equal Credit Opportunity Act. My personal information was used on the application as well as my location information to submit application. From my understanding, banks do not lend money or extend credit as we have been bankrupt since XXXX. 12 usc 83 - No national bank shall make any loan or discount on the security of the shares of its own capital stock. DISCOVER became trustee to my social security trust as this is a trust action. They deprived me of my rights to extend credit which is a violation of 18 usc 242. They have committed trust fraud, bank fraud, and securities fraud. Each holding a fine from {>= $1,000,000} to {>= $1,000,000} Pursuant to 15 USC 1, 15 USC 2, 15 USC 78ff. I received no benefit which is unauthorized use of my credit card 15 USC 1602 ( p ). In order to clarify that there has not been any false claims of securities, illegal securitizations, trades, hypothecating, interest, and proceeds fraud entry misapplied in my name, as benificiary of the account Pursuant to 15 USC 44 Im asserting my rights to acquire documentary evidence for the books of account as defined in IRS 583. Id like to access record keeping of both journal and ledger credits of the account, as well as ledger and debits of the account, in order to verify the current accounting and taxes related to this account. This will allow me to reaffirm my status as the benificiary and you in fact have been loaned the amount in question. This will also confirm aggravated identity theft as you are conspiring to profit without my knowledge or benefit when you are trustee to my trust. Failure to produce said documents will be deprivation of rights as described before and {$10000.00} and/or 5yrs in prison for any. You have committed theft by deception and embezzlement both federal crimes. 18 usc 656- theft by embezzlement by bank officer or employee shall be fined {>= $1,000,000} or imprisoned not more than 30yrs. I would like this published for the public to see how corporations defraud consumers by the millions.
Consumer complaint received 2018-02-07
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Overton, Russell, Doerr and Donovan, LLP (NC)

This collection agency held an unpaid account in my name from a medical bill in NY that did not belong to me, in the amount of {$740.00}. After multiple unsuccessful attempts to remove the listing from my report I made arrangements with this agency to pay the entire amount of the collection account in return for removal. They told me that it might take up to 90 days for removal, which I agreed to. After 90 days the listing remained on my XXXX report so I called XXXX  and asked them to submit a dispute to Overton Russell Doerr and Donovan in regard to the agreement to remove. Within a week I was notified by XXXX that Overton Russell Doerr and Donovan is  refusing to remove the listing. I would not have paid the account if not for the guarantee of removal. This listing is causing undue harm to my consumer credit report. Further, the original debt dates back to XX/XX/XXXX and is outside of the time staute of reporting. I need for this collection agency to remove the listing as agreed to over the phone in XX/XX/XXXX.
Consumer complaint received 2022-01-10
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. (TX)

Since XXXX of XXXX, I started trying to fix this issue. There are accounts and personal information that are showing on my credit report that are not mine. Letters was sent to the 3 credit bureaus, XXXX, Equifax and XXXX on XX/XX/XXXX and nothing has been done.
Consumer complaint received 2018-02-02
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. (PA)

The are several inquires on my credit report that does not belong to me. Wrote letters to all the entities that requested my credit illegally without my written consent and permissible purpose on XXXX, XXXX, and XXXX. Advised them to provide evidence of permissle purpose and my signed written consent to me. They never responded to my three request. The inquiries in question are : XXXX XXXX XXXX via XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX,  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-01-24
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: CURO Intermediate Holdings (TX)

Speedy Cash listed the negative item on my credit report under another name ( XXXX XXXX ) ... I have contact them and advised that the previous fees paid on the account should be credited and not have the pay the full amount pay. Need the negative item removed immediately. They have also done illegal active on the account to stay on the credit report ... .stating that I paid {$1.00} on the account so it can be active. Also making changes on the account, by changing the amount due on the account several months in a row.
Consumer complaint received 2019-03-15
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY (MD)

I acquired a XXXX credit card at the store during a purchase to gain a discount on the purchase. A week or two later I received the actual credit card in the mail. I went online and activated my account. I selected the choice for " electronic statements ''. I assumed I would either receive my statements electronically each month, or notification that me statement was ready on-line. This is what happens with all other credit cards aI have. 

That is not what XXXX does. XXXX makes no notification to the consumer, at all. It is incumbent upon the consumer to remember to regularly check their on-line access to their account to get their statements and pay their bills. 

So, I forgot about the account and went months without paying my bill, no realizing I owed anything. In the mean time XXXX kept assessing late fees and penalties. Then they reported it to the credit agencies and my credit score went from the high 700 's to the low 600 's. Now its an issue because I applied for a mortgage loan for a new house. Had I not applied for the mortgage loan, I would have not found out I had this problem. 

I now called XXXX 's collection agency and they would only waive two months late fees. I ended up having to pay {$98.00} for a total of purchase that were less than {$25.00}. I think this is obviously ridiculous. It seems this is designed to extract more money from people. Now I have to wait two days and call XXXX ( they block you from contacting XXXX directly and reduce your access to your on-line account access until you pay the bill with the late fees.

I doubt XXXX will do anything to fix my credit score.
Consumer complaint received 2021-11-09
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: SYNCHRONY FINANCIAL (CA)

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 XXXX Credit Bureaus 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 the XXXX Credit Bureaus has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Remove this account completely from my credit report : SYNCB/XXXX XXXX Opened XX/XX/XXXX ; SYNCB/XXXX XXXX Opened XX/XX/XXXX