davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-26
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 (CA)

I made a purchase through a company called XXXX. They sent me a product that wasn't as described in color or quality. I called them the same hour I received the product. They company kept asking for explanations I'd already sent and photos I'd already sent. I contacted them by e-mail, via review of the product on their website, and via text. They refused to send the return label or even provide a return address. 

I called Capital One to credit my card. Capital One removed the charge on XX/XX/2021 and then rebilled it on XX/XX/2021. I can not seem to get Capital One to explain. Nor do they have a way for you to write -- so you can skip the " He said / She said '' nonsense. 

XXXX is behaving in a fraudulent way. I had to write and call them numerous times and they refused to send me a return label. They didn't sent one until Capital One took their money. ( The shipping label with tracking number they finally sent is attached ) And then Capital One gave them back their money when the company lied and said I refused to send their wig back. 

Please find what I have in my e-mails to XXXX attached. I can also try and send screenshots from my phone texts where XXXX ALSO claimed ignorance of my multiple requests for a return label if necessary.
Consumer complaint received 2021-04-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (TX)

HI i close my account with citibank due to massive fraud i had on my account and there are more fraudulent ACH appear on my checking accounts in between XX/XX/2020 and XX/XX/2020 i would like for these payments to be disputed for discover bank and i would like them to be opened on my behalf and my account number is XXXX and my name is XXXX XXXX and i would like callback if possible thank you
Consumer complaint received 2020-09-08
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: SLM CORPORATION (VA)

The Account was given a Forbearance thru the Months of the end of XXXX due to COVID ... My Credit was hit with a late payment for XXXX ... That's incorrect if the account was already in a Forbearance ...
Consumer complaint received 2018-02-28
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. (DE)

There are several hard inquiries on my credit file that significantly impact my score that I did not authorize. Here is a list of the inquiries and dates : XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX  : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-02-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CA)

We are still waiting for the reimbursement of the two ( 2 ) {$30.00} fees and an {$18.00} fee which Freedom Mortgage charged on our loan, enriching themselves by charging us both on the statement account AND they also charged our escrow account when we recently refinanced our home at XXXX XXXX   XXXX XXXX XXXX, CA XXXX on XX/XX/2018. 

In other words, they charged three ( 3 ) SEPARATE {$30.00} FEES, TWO ON THE STATEMENT ACCOUNT AND A THIRD ON THE ESCROW ACCOUNT. They also charged two ( 2 ) separate Recording fees, once thru our escrow and another directly on our Freedom Mortgage statement. We will no longer be doing business with Freedom Mortgage and their double and triple billing only reinforced our decision to leave that company..

IN ADDITION, Freedom Mortgage charged a late fee of {$100.00}, WHY??? We were never late, how dare they take a {$100.00} fee for a non-existent late payment? AND they failed to notify our escrow company, XXXX that there was no late payment, therefore, no late fee of {$100.00} applied. They have billed the {$100.00} thru our escrow account and directly thru our Freedom statement also.

And finally, Freedom Mortgage charged us {$170.00} in ESCROW, WHY? We do not have an escrow account with them. And if they did take close to {$180.00} in ESCROW, where did they apply it exactly? They did not apply it to our XXXX County Property Tax Bill, so what did they with the {$170.00}, and why did they take it in the first place when we do not have an escrow account for us. We pay the taxes directly to the XXXX County Tax Collector on our own. 

In short, Freedom Mortgage charged three ( 3 ) separate {$30.00} fees thru escrow and directly thru their statement. Freedom Mortgage also charged two ( 2 ) {$18.00} fees, one thru escrow and another directly thru their statement. They also charged two ( 2 ) {$100.00} late fees, one thru our escrow company and a second late fee thru the statement. WE WERE NEVER LATE, and yet, they charged two ( 2 ) separate late fees of {$100.00} each. In addition, a {$17000.00} payment to ESCROW BALANCE was taken, they it is not owed.

Freedom Mortgage enriched themselves with {$510.00} of our money and we want it reimbursed.

This is unethical, bordering on criminal behavior on part of Freedom Mortgage.

Thank you. 

XXXX XXXX XXXX and XXXX XXXX
Consumer complaint received 2022-02-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

An account was fraudulently opened in my name and SSN with XXXX XXXX XXXX XXXX I did not apply for this credit. I reported to the company and they reported to the credit bureaus but TansUnion refused to remove it. I submitted a dispute directly with TransUnion and they apparently verified the account was accurate. Which is impossible.
Consumer complaint received 2021-05-26
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2021-07-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

On XX/XX/XXXX, I saw an ad for a set of wheels for a car on XXXX account XXXX XXXX XXXX. Contacted the account owner through XXXX messages and asked for the price of the wheels plus shipping. Was given a price of {$500.00}, {$400.00} for wheel plus {$100.00} shipping. Sent {$500.00} thru XXXX from my Capital One Checking account to XXXX XXXX thru his email contact XXXX. On XX/XX/XXXX, Seller sent message stating that was getting ready to ship the wheels, but then requested another {$300.00} for shipping insurance. Told seller that I paid the price I was told for shipping, which was {$100.00}. Asked for a refund and seller stated they did not give refunds. Only gave refund for items that did not meet the buyers needs. I tried to request money back through XXXX, I got a message that there was a problem with the recipient 's zelle account. Also the XX/XX/XXXX page post have been removed.
Consumer complaint received 2021-04-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am submitting my dispute and or complain to CFPB once again regarding accounts that are on my credit report that I have previously disputed as Identity Fraud. The accounts that are fraudulent on my credit reports are as follows : XXXX XXXX Acct # XXXX - {$8100.00}, XXXX XXXX  Acct # XXXX - {$8300.00}, XXXX XXXX Acct # XXXX - {$3600.00}, XXXX XXXX Acct # XXXX - {$880.00}. And also a collection account- XXXX XXXX XXXX Acct # XXXX - {$2900.00}. Some of these accounts I disputed as ID Theft fraudulent a few times and they were removed from my credit report and now the accounts have all been re entered to my account. Again, I ask of you to please remove the accounts as Identity fraud and I have once again attached my police reports which all the credit bureaus have on file and all the FTC Affidavits that I have also previously sent before. Please as this is done accordingly please send me a corrected credit report with all five of these items removed. Also, there are addresses on my credit report that doesn't belong to me : XXXX XXXX XXXX XXXX, NJ XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX. These do not belong to me so please remove them. Also, my name is XXXX XXXX XXXX and not XXXX XXXX XXXX please remove that name. 

This is affecting me negatively and is costing me alot with these issues. Please remove them. Also, I have been blocked from being able to look at my Transunion report and also XXXX  credit report online. I am also continuously not able to get in touch with a representative because I was told that a special group is handling my credit report and they work selected. I should be able to look at my report any time that I want. Please fix this please I am asking again.
Consumer complaint received 2021-07-06
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Santander Consumer USA Holdings Inc. (MO)

I have a auto loan I made every payment on since getting the car in XXXX. The dealership did somethings which has me needing a new car without wasting your time. Chrysler pre approved me for a new loan. I shopped around for a vehicle, and put {$23000.00} down. They approved the loan and gave a list of stipulations I complied with. After doing so they keep coming back each week asking me to do more things they didnt ask for at first when approving me. Today they wanted a phone interview even though I never applied for a job. I have had 3 car loans from Chrysler and they have never asked for a phone interview. They are doing This to prevent me from getting a better interest rate and a car that is not defected. I tried purchasing a new vehicle instead of complaining but Chrysler leaves no options. Spoke with XXXX XXXX and did a phone interview at XXXX her employeee id was XXXX she said that the deal would be funded. Then at XXXX they said I didnt do a interview. They lying
Consumer complaint received 2022-08-10
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. (TX)

I have submitted disputes to you and I did not get a response within 30 days and you are required by law to do so. Please investigate my disputes, please. Thank you.
Consumer complaint received 2021-04-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc. (CA)

My BINANCE.US account has been locked disabled for more than a month and that is a long time with no explanation or response from a real person. No chat available and no phone listed. Just automated bots. I am still able to deposit funds for trading but I can not trade. I can not withdraw funds I can not sell positions.
Consumer complaint received 2018-02-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NC)

Navient informed me on XX/XX/18 that my student loans were getting ready to be in default. I have been making monthly payments of the set amount agreed upon. I have not missed a payment. They informed me that my interest rate had gone up ( something which I was unaware of as I have not received a phone call or statement in the mail ). This increase has made my monthly payment increase and as a result, I am now past due ( which I was also unaware of as they have not phoned me or sent me mail ). I asked for my co signer to be taken off the loan and they told me that I have to make a year of payments on time before I can qualify for this. I have made a year of payments on time but was unaware of my interest increase so now I don't qualify for that. This is unacceptable.
Consumer complaint received 2018-02-28
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc. (WA)

Hello, I would like to file a complaint against Diversified Consultants. They have called and spoken to my husband and myself multiple times per day this week ( at least 5 ).

They called last night and lied to my husband saying that they had already spoken to me ( which they did not ).

They called me today and said that my husband agreed to pay last night but they needed to talk to me for payment ( he never agreed to pay, nor did I ). She also got very belligerent, yelling at me and continued to lie to me about their conversation last night ( which I Was present for ).

I told her that they need to stop calling me and my husband and they need to talk to my attorney, she hung up on me then promptly called my husband to attempt to collect from him again.
Consumer complaint received 2019-08-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.Q. DATA INTERNATIONAL, INC. (CT)

XX/XX/2016:
•	XXXX XXXX  (Tenant) emailed XXXX XXXX  (Property Manager) and cc’d XXXX XXXX  (Leasing Agent), XXXX XXXX  (Property Manager), XXXX XXXX XXXX, esq. (Attorney for Landlord; XXXX XXXX)
o	RE: XXXX XXXX  (Property Manager) request for XXXX XXXX  and XXXX XXXX  (Tenants) to provide written acknowledgment of Oral Agreement with regards to Intent to Vacate Tenancy

XX/XX/2016:
•	XXXX XXXX  (Tenant) emailed XXXX XXXX  (Property Manager) regarding service of the ‘Writ”; Summons, Complaint for Non-Payment, and Notice to Quit.
•	XXXX XXXX  (Property Manager) emailed XXXX XXXX  (Tenant) advising that she had, “entered the move out date in the computer and notified XXXX XXXX, Attorney.” XXXX  further stated, “He will not be going forward with the eviction and has not filed anything further with the court. If anything changes please let me know.”

XX/XX/2016:
•	XXXX XXXX  and XXXX XXXX  (Tenants) entered in to written lease agreement for the premises located at: XXXX XXXX XXXX XXXX, CT XXXX
o	Note: A copy of this lease has been provided to the Collection Agency to support our claim that our tenancy had terminated

XX/XX/2016:
•	XXXX XXXX  (Tenant) emailed XXXX XXXX  (Property Manager) and cc’d XXXX XXXX  (Attorney for XXXX XXXX)
o	RE: Tenancy terminating effective XX/XX/2016following a completed walk-through of dwelling unit
XX/XX/2016:
•	XXXX XXXX  (Tenant) received a Notice of Collection via USPS and immediately contacted the Collection Agency via phone
•	Collection Agency Representative instructed XXXX XXXX  (Tenant) to email ‘XXXX  and attach the written agreement between us, (Tenants, and the Original Creditor (XXXX XXXX)
•	XXXX XXXX  (Tenant) emailed ‘XXXX  and attached the written agreement (Intent to Vacate)
o	Note: Written agreement shows that the debt was settled and account was closed “in good standing”
Consumer complaint received 2021-05-26
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: FinCo Services Inc DBA Current (FL)

I USE A FDIC, VISA- DEBIT BANK CARD THROUGH AN APP CALLED " CURRENT ''. YESTERDAY AT XXXX XXXX I RECIEVED A CALL FROM CURRENT, SAYING THAT THERE WAS A PENDING TRANSACTION FROM A XXXX  IN TEXAS, FOR THE AMOUNT OF {$72.00} AND THEY NEEDED TO CONFIRM IT WAS ME OR NOT. I DID NOT GIVE OUT ANY ACCOUNT INFORMATION, ONLY VERIFIED THAT MY PHONE NUMBER WAS ATTACHED TO THAT ACCOUNT THROUGH A VERIFICATION CODE. NEXT THING I KNOW, MY ENTIRE SAVINGS ACCOUNT WAS DRAINED ( {$3200.00} ) AND SENT TO ANOTHER CURRENT ACCOUNT TO A WOMAN NAMED " XXXX XXXX '' ( WHICH IM PRETTY SURE IS A FAKE NAME/ACCOUNT ). THE RECIEPT NUMBER FOR THAT TRANSACTION IS : " XXXX " I IMMIEDIATLY TRIED TO CONTACT THE COMPANY CURRENT ABOUT THIS FRAUD- WHICH ONLY ALLOWS YOU TO CONTACT THEM THROUGH THERE APP XXXX XXXX- AND EMAIL. I DID EACH OF THOSE TWICE, AND WAS SENT BACK {$1000.00} BUT I WAS TOLD THEY MADE THEIR DECISION AND CAN NOT HELP ME. I DONT UNDERSTAND WHY THEY SEND ME SOME, BUT NOT ALL OF WHAT WAS TAKEN FROM ME. I CONTINUE TO EMAIL THEM PLEADING TO INVESTIGATE IT WITH NO AVAIL. I HAVE FILED A POLICE REPORT WITH THE TOWN OF XXXX XXXX XXXX  ( WHERE I LIVE ) WITH AN OFFICER XXXX. 

( POLICE REPORT NUMBER IS : # XXXX ) I HAVE CONTACTED XXXX XXXX XXXX XXXX, ( THE BANK THAT CURRENT HANDLES TRANSACTIONS THROUGH ) AND THEY TELL ME THEY CAN NOT HELP ME BECAUSE ITS A 3RD PARTY COMPANY- AND TO CONTACT THEM ABOUT IT. I HAVE TRIED OVER AND OVER AGAIN TO GET CURRENT TO HELP ME- BUT THEY REFUSE. 

TO SOME PEOPLE {$3200.00} IS NOT ALOT OF MONEY, BUT TO ME IT IS. I WORKED HARD FOR THAT MONEY AND I AM SICK OVER THIS. PLEASE PLEASE HELP ME. MANY THANKS AND PLEASE LET ME KNOW. THANK YOU.. 

-XXXX  XXXX
Consumer complaint received 2018-02-28
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (VA)

I submitted a letter of validation to Equifax XX/XX/XXXX asking them to validate the debt from XXXX XXXX XXXX   XXXX and between XX/XX/XXXX and XX/XX/XXXX it was removed from my credit report. I recently checked my reports to see if a status was updated for my credit card and I noticed that XXXX XXXX XXXX XXXX  was back on my report. I did not receive anything from anyone stating that pertains to an update and I know that it is a violation the FCRA 623 ( a ) ( 8 ) ( D ) that I should have been notified in writing.
Consumer complaint received 2020-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

To Whom It May Concern, I recently submitted an application to rent an apartment and my reports says I was evicted back in 2015. During that time, I was living with my mother and I was on her lease, we were never evicted from the house ( we went to court for clerical errors ). Please advice on how I can remove this mistake from my report. The company is XXXX, XXXX
Consumer complaint received 2019-08-20
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Financial Business and Consumer Solutions. (SC)

I received correspondence from FBCS Inc., a collection company, for an old debt and they said that they were collecting for XXXX XXXX XXXX XXXX. The amount is $XXXX, which is ridiculous, for XXXX XXXX. They say that the settlement amount is $XXXX and now this is reporting on my credit report TWICE! 

I want FBCS (XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX) and XXXX XXXX XXXX XXXX   sanctioned and I want this item REMOVED from my credit report. 

They are using debt collection actions that run afoul of the debt collection rules and regulations and this is a very old account and it should not be reporting TWICE!
Consumer complaint received 2021-01-08
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I filed a complaint on XX/XX/XXXX I just now received my balance of {$6300.00} on XX/XX/XXXX. Thank you for that by the way, but I have not received my additional money taken from me by Bank of America. In my first complaint I mentioned they owed me my balance above, but they also owe me additional money, which they did not return. When I first filed my claim with Bank of America they gave me temporary credit in the amount of {$2000.00}, as I mentioned in my previous complaint that with all of the money being stolen from my card, I immediately took it off. I had thought everything was done, and I got my money back, but then on XX/XX/XXXX they took that money back, which put my account in the negatives. I guess they came up with the conclusion that I was a fraud, so it's understandable that they would take it back. Since my bank account was in the negative they froze my account, which meant I could not use or withdraw money from the account, and from then on every time I received money from EDD they took it until it was all paid back. They gave me back my initial complaint balance which included the temporary credit, but they have not given me back the additional money that Unemployment gave to me. From XX/XX/XXXX to XX/XX/XXXX, they took my unemployment money, that was supposed to be because I committed fraud. On XX/XX/XXXX {$210.00} and {$300.00} a total of {$510.00} was deposited, on XX/XX/XXXX {$300.00} was deposited, on XX/XX/XXXX {$210.00} was deposited, on XX/XX/XXXX {$210.00} was deposited, on XX/XX/XXXX {$210.00} was deposited, and finally on XX/XX/XXXX {$210.00} was deposited in which I believe only {$2.00} was taken from it. All of this money was deposited by EDD/Unemployment, but I had no access to use because Bank of America took it, this is all additional money that was taken. It would have not been taken if Bank of America would have not deemed me as a fraud, as you see I am not because they returned my money and found no evidence. The amount of money they owe me is {$1400.00}. It's unfortunate I had to file another complaint in order to get the additional money they took, and neglected to return even though I mentioned it in my previous complaint.