davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-02
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AR)

I am member of USAA. On XXXX XXXX, 2016, I was searching to purchasing a vehicle through the USAA car buying service as USAA offers a rate discount if the car is purchased through their service and the financing is secured through them. The rate discount promise was incentive enough for me pursue purchasing the car and seeking financing through USAA. I ended up being approved for the car loan at a normal 3.85 % rate and a .50 % rate further discount for using the USAA service. I then sought a car, which found and purchased through the USAA car buying service and made arrangements to go to the dealership to take delivery of the car on XXXX/XXXX/2016. I went to check on the loan on XXXX with USAA and noticed the rate discount was not applied yet. I contacted a representative that day and that representative told me my rate would take up to 14 days to apply. Then on XXXX/XXXX/2016 I checked for the rate discount on USAA.com and noticed it was not applied. I then inquired about this. After much discussion with a USAA representative on their chat service, USAA said I was not eligible for the rate as they did not have record that I purchased the car through their service. There are clear indications that I did seek the car through the service and secured financing through them. The car I purchased is saved to my profile on the car buying services and USAA has agreed that the dealership is a part of the car buying service. They claim I did not print out a certificate and that disqualifies me from the rate discount, but no one told me I needed a certificate and the dealership did not ask for XXXX. The dealership, XXXX XXXX XXXX, is a USAA dealer and I should get the discount. USAA led me into securing the loan through them with the promise of the rate discount that never happened. I have excellent credit and I lost out on opportunities to seek better financing terms. USAA baited me into the loan under the promise of a lower rate..
Consumer complaint received 2016-10-07
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: ENCORE CAPITAL GROUP INC. (GA)

Midland Funding LLC keeps reporting on a debt thats 8 yrs old and threatens to take me to court to sue me for that debt. The statue of limitations has passed, I 've disputed the debt, it was removed and then they reported it again and now it 's back on my credit reports.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (DE)

Hello I looked on my credit report and I found some mistakes on it. These companies are not mine and can you check them to make sure they aren't mine and remove them. They are : 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 These are not my accounts can you prove that they are mine and If not then delete them.
Consumer complaint received 2022-02-09
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. (FL)

I spoke with Citi via chat about my options for reducing or eliminating the annual fee on my Citi Premier Card. After unsuccessfully getting a customer retention offer, I closed the chat. However, the Citi agent continued and closed out my account without my confirmation or permission. This unauthorized closure jeopardizes points that have a cash out value of {$570.00}. 

The following is the chat history with the Citi agent : XXXX at XXXX, XX/XX/XXXX : Do you want to permanently close your account? 
You at XXXX, XX/XX/XXXX : Not particularly, but are you telling me that's my only option? 
XXXX at XXXX, XX/XX/XXXX : Yes correct [ at this point, I disconnected the chat ] BY CLOSING YOUR ACCOUNT, YOU WILL HAVE XXXX DAYS TO REDEEM YOUR REMAINING XXXX POINTS. 

IF YOU EARN XXXX POINTS FROM MORE THAN XXXX ACCOUNT, PLEASE WAIT XXXX HOURS BEFORE REDEEMING TO ENSURE ANY POINTS FROM THIS ACCOUNT ARE REDEEMED FIRST. 

YOU WILL LOSE ONLINE ACCESS TO YOUR THANKYOU ACCOUNT UNLESS YOU HAVE COMBINED IT WITH ANOTHER OPEN THANKYOU ACCOUNT. SOME REDEMPTION OPTIONS MAY BE LIMITED OR INELIGIBLE. 

By closing the account you will get the annual fees refunded Shall I close your account? 
XXXX? 
I have successfully closed your account And your annual fees would be adjusted on your next statement Be assured about it I really appreciate your time and patience. 
It was a pleasure messaging with you today! 
Feel free to rate your experience by clicking the End button to complete a survey. You can rate our service from XXXX to XXXX, with XXXX being the highest. 
Thank you for choosing Citi. 
Take care and Stay safe!
Consumer complaint received 2015-04-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Patient Accounting Service Center (CA)

In XXXX, I took my Daughter to XXXX Hospital XXXX XXXX. I did not receive a bill for her visit until XXXX. I called and disputed that the amount had not been properly reduced per my agreed insurance plan- XXXX XXXX I was told the amount was correct for XXXX, but XXXX told me it was incorrect and should be XXXX. Mercy told me to dispute with XXXX. i did and thankfully XXXX was able to help me and I later received a bill form XXXX in the amount of XXXX. I asked to set up a payment plan and was told i could do so, but never received the paperwork. In XXXX I received a debt collection notice from ARSTRAT. I contacted ARSTRAT and they refused to provided validation of the debt. All they woulod tell me was that it was XXXX XXXX. They claimed that the debt was valid because they sent it. They would not provide any information or a contact at XXXX to verify the debt. ARSTRAT also misrepresented the amount I owe. They told me on the phone that it was XXXX. This is not the amount XXXX was seeking. They told me that XXXX sent this amount to ARSTRAT and that is the amount I owe. They then proceeded to give me a fake XXXX Phone Number. I spoke with XXXX and XXXX, out of the XXXX ARSTRAT office.
Consumer complaint received 2016-03-09
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I get a chargeback on my account on XXXX/XXXX/16. I contact my bank Capital one and fax the documents on XXXX/XXXX/16 as request by the bank. I received a notification on XXXX/XXXX/16 that my dispute was denial due to documents received after the date line. I called the credit card company with prove of documents faxed on time and they still applied that he was received after the date specified in the letter. The company did n't give me the regular time frame and did n't follow with me about this issue.
Consumer complaint received 2016-04-22
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I have a credit card with capital one they restrict my account because they think it 's a fraud issue. Have so many problems because I sent my personal information more than 5 times even if speak with some one to make sure they receive it. After confirming 3 days after manager who handle my case transfer out to another department and I have to resend my I formation again. No one in customer service can resolve the problem because every time they have someone different and I have to star over the process.
Consumer complaint received 2021-09-03
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: Exeter Finance, LLC. (NY)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all XXXX credit reporting agencies : 1. Identity Theft EXETER FIN Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2016-03-08
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Dear BCFP, On XXXX XXXX, 2015 my sister and I filed our first request to access our mother 's " 360 account '' with Capital One Bank. XXXX. On XXXX XXXX, 2015, we submitted XXXX required documents : our power of attorney document and the required document for power of attorney that is specific to Capital One. We have been told at every turn that these are the only documents needed. 

Since XXXX XXXX, 2015, we have re-submitted those documents multiple times ; we have called many times ; we have done everything by the book and by Capital One 's rules. They still wo n't give us access. I ca n't get any tax information from them. Meanwhile, as we try to take on a major bank, our mother has literally weeks to live. Can you please help look into this act of wanton stonewalling and ineptitude so that our and similar cases will not reoccur? 

Thank you!
Consumer complaint received 2015-09-30
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XXXX XXXX XXXX XXXX XXXX issue correspondence ( verbal/written ) to collect a credit card debt from Capital One ( Acct **************** ) when I informed them I do not have a Capital One credit card issued to me, nor activated by me. The Credit Report Agencies have been notified that I failed to pay on a debt " which is in default. '' This action is in violation of PL XXXX.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSWORLD SYSTEMS INC (WI)

Transworld mgt. 
Account # : XXXX XXXX XXXX XXXX Account # : XXXX These Company is violating my rights According to the FCRA laws. I Request documents in my dispute. I didnt ask for the account to be verified I tried to Request multiple times to get documents so I can verify if the debt is mines. XXXX failed to send Documents following their Investigation. It is a violation of the FCRA laws ( u.s.c 15 1681s-2 ( A ) ( 1 ) ( A ) And ( B ) to report inaccurate information on my credit report. Delete/Remove Accounts immediately.
Consumer complaint received 2022-08-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

XX/XX/2015 there were 2 Capital One credit cards opened fraudulently in my name. I alerted Capital One and they removed one of the credit cards for fraud, however they left the other credit card account with a balance of XXXX dollars on my credit report. I have disputed nonstop, weekly and monthly, I have filed XXXX  complaints, filed FTC reports and Capital One refuses to do the right thing and delete this account stating it is linking me to this account by the address XXXX XXXX XXXX XXXXXXXX XXXX PA XXXX- I find this interesting as I called each of the 3 credit bureaus and they all told me I am NOT associated with the address XXXX XXXX  XXXX XXXX and that it has been deleted from all of my files for fraud. I will be attaching the letter Capital One wrote stating the account is being linked to me by that address so that you can see they are reporting wrongful and inaccurate information to my credit file. This will be the last time I try to resolve this with Capital One before I file a lawsuit as this account is causing me issues with financing and living my life because of this being on my credit.
Consumer complaint received 2016-10-10
Product: Credit card — 
Issue: APR or interest rate — 
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

I have a credit card through CapitalOne and recently found out that I am now hopelessly trying to pay off what I feel were hidden compounded interest charges. Unknown to me, they have been compounding interest on a few cash advance transactions made on my card. My monthly minimum payments were not being calculated at an appropriate rate, or applied appropriately to insure that the higher interest cash advances were repaid instead of a continually growing interest balance. I have now read through my statements, and it is true that the information I need to understand what is happening is provided on the statement, but it was not clear to me before and what they are doing just does n't seem right. They are only applying my payments to lower interest purchases, so now what was a small amount of cash advances has exploded into a ridiculous amount of money. Now the only way to get my cash advances paid off is to stop using my card, pay off the lower interest purchases, and then start paying off the cash advances which have accumulated interest at a significantly higher rate. It just seems to me completely backwards from how things should be, I feel like I 'm a victim of not reading the fine print carefully enough, I do n't feel like they have my back which at the very least is disappointing.
Consumer complaint received 2017-02-09
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: COMMERCE BANK (KS)

Commerce bank says I have an available balance of XXXX, but they say I 'm overdrawn too. My account never went below zero. They have collected a bunch of tiny transactions for stuff that I purchase everyday. Like eight four dollar lunches. This way they can charge me a fee for each one. Remember my account never went below zero. I have {$200.00} in my wallet. This wo n't help. I could deposit a million bucks at this point in and it would n't help, because for a moment in time by their crazy accounting, I was " overdrawn ''. It is n't even the one transaction for {$300.00} that triggered this that i have to pay for -- it is a bunch of tiny transactions. This way they get to charge me for each one, turning a {$20.00} overdraft fee into a {$200.00} overdraft fee.
Consumer complaint received 2017-01-10
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Last Year I was XXXX shopping for my family on XXXX, I used XXXX different credit cards. I belive I started XX/XX/2015, I purchased a lot of products, I used my XXXX card, capital One and my XXXX XXXX card. When I got my first bill it said the date then XXXX *my product and amount of the charge.I assumed this was ebays billing method. I did n't think anything of it, I 've never shopped on line before. I had a dispute with a man named XXXX XXXX, so I contacted XXXX over it, and all of a sudden I began getting threats on my XXXX. From this man Very Nasty ... .I did n't know XXXX XXXX being sent my credit card charges from XXXX. So when I desupted, the charge against this man, XXXX locked down all my charges.And I did n't know until my tee shirt man called me and asked me to release his {$180.00} I owed him ... Than I continued to get threats from this man. Thats how I found out who paypal was. I did not have an account with them. So it became a big mess. XXXX then gave this man my real name, address, phone #, business address, and phone # there as well. He threatened to come to my home and it got really bad. I saved his emails, and emailed XXXX as well and saved them in my arcives.Need less to say my computer was hacked and they disappered. I do n't beilive this is legal, and I ca n't imagine them, giving my charges to another company, yet release my personal information..Thank you for your time
Consumer complaint received 2022-09-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/2022, I booked a flight from XXXX, XXXX to XXXX, XXXX using the Capital One XXXX XXXX associated with my Capital One XXXX XXXX card. The cost of the flight was {$260.00} and my Capital One confirmation number for this reservation was XXXX. As part of this reservation, I received a benefit that if the price of the flight dropped within 10 days after my purchase, I would be refunded by Capital One for up to {$50.00} of the price drop amount. 

On XX/XX/2022, after daily review of the Capital One XXXX XXXX travel portal, I noticed that the price of my flight had dropped to {$220.00}. I took a screenshot for my records and awaited a refund of my flight as the price drop terms applied to my purchase. A copy of this screenshot is attached to this complaint. 

On XX/XX/2022, after the completion of the trip and 10 day price drop period, I reviewed my account details and noticed that no refund had been provided to my Capital One XXXX XXXX card. I proceeded to call the Capital One XXXX team for assistance. They advised that they did not have any records of the price drop and were unable to assist me.
Consumer complaint received 2016-10-17
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: SYNCHRONY FINANCIAL (FL)

The Complaint that I have is with XXXX/CARE CREDIT Over the last 5 months I have requested validation on multiple occasions for debt that is listed on my credit report. They continue to say that they have validated the debt but provide no proof. I have asked for evidence that bears my signature that shows that I have a contractual obligation with XXXX/CARE CREDIT I have not received anything that I requested and it still listed on my credit report from all XXXX of the Credit Reporting Agencies. They also to not show on my report the I dispute this account and this is all in volition of Fair Debt Collection Practices Act.
Consumer complaint received 2015-04-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Pinnacle Credit Services, LLC (ME)

PINNACLE CREDIT SERVICES, This collection company contacted me and reported to the credit reporting agencies without a collection License in the State of XXXX?? I Got on the state of XXXX web siteand they were not licensed in XXXX. Therefor I contacted the state of XXXX. I want all collections from this company removed off my credit reports.
Consumer complaint received 2022-09-03
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. (NV)

I am a single mother of 3 and currently XXXX. This mis information on my credit report is greatly hindering me from being able to rent an apartment or buy a house. The below items are fraudulent. In this current economy i am afraid i am going to end up XXXX if it is not taken care of. I have disputed all the below items already with the credit bureaus. Please help me in getting them takin off. 

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
Consumer complaint received 2022-09-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

XX/XX/XXXX I found that I was unable to make my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX payments. My debt was in collection for 1 year with XXXX XXXX XXXX. I thought that I was in a position to settle the debt with XXXX  XXXX but things didn't work out and XXXX  XXXX resold the debt to Portfolio Recovery Associates XX/XX/XXXX. When disputing this account with XXXX, XXXX and XXXX the account isn't removed because the information they provide shows that I still have another year to be punished even though it has been over 7 years.
Consumer complaint received 2017-01-11
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I had canceled and payment because i knew that i was n't going to have the money in my account but capitol one still tried to take the money out which mean it was an returned payment and they closed my account said it was closed to returned payment and could not be open and i am not able to get an account with them again. now they reported this to my credit report and said i had to pay the remaining balance and i paid the balance it was XXXX and i am not able to get anything anywhere else because they still show that it is not paid for and they wont do anything to report that they closed my account in error i tried calling and they hung up on me i call back and the first person always says they see they see what i am saying but then i always get transferred and the person they transfer me to say they cant do anything about it. but i know they can. they can at least report that they closed it in error so it wont mess up my credit. I just want to know why they would n't do anything bout it and i been calling since
Consumer complaint received 2015-12-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC. (MD)

Mortgage was refinanced with new loan provider and old lender sent a debt collection letter after the account was closed. They required verification of personal information and then claimed it was required by federal law to say that it was debt collection letter when no debt exists.
Consumer complaint received 2022-09-03
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MD)

The accounts were unknown to me. I came across this law today and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the letter was sent. Ive already included this in my previous Complaint and I am including it again. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-03
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

The accounts were unknown to me. I came across this law today and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the letter was sent. Ive already included this in my previous Complaint and I am including it again. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-03-10
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: COMMERCE BANK (KS)

I just looked at my bank account & saw that a {$2.00} transaction was submitted causing an overdraft of {$36.00} because I was {$1.00} short. I was told it was a paypale transaction. I went to the bank to complain, Commerce Bank and talked to XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, KS XXXX ( XXXX ) XXXX & got NO Where. I 'm not an OPT-IN customer. so I would rather of had the transaction rejected.