davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-02
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: EQUIFAX, INC. (FL)

HELLO MY NAME IS XXXX XXXX I WRITE THIS COMPLAINT BECAUSE SOMEONE ELSE IS TRYING TO OPEN ACCOUNTS ON MY BEHALF, DOING MANY CREDIT INQUIRIES IN A FRAUDULENT WAY WITHOUT MY AUTHORIZATION.
Consumer complaint received 2017-03-12
Product: Credit card — 
Issue: Transaction issue — 
Company: Paypal Holdings, Inc (CA)

I used a credit card for one single transaction on PayPal and they subsequently attached this credit card to XXXX other transactions over a seven-week period as a " backup payment source '' for each of these transactions. I never authorized this card to be used for this purpose and repeated calls to PayPal brought only their response that nothing could be done to correct it.
Consumer complaint received 2016-12-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (NY)

I am being billed by XXXX recurrently for a line of service and phone that I did not sign up for or own. I was also told by a bank that my address submitted to them, via a credit card application, did not match the address within the credit bureaus. I am concerned about identity theft and fraud. Thank you.
Consumer complaint received 2024-05-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (MD)

I filed a complaint against a vendor ( XXXX XXXX XXXX ) whom I have done business with in the past.. In the past, I paid them to file my tax return.. I had no reason to distrust this company at this time, because I paid for a service, and received the service.. This vendor also stated that they provided a credit repair service, in which the total service charge for what I needed was XXXX That is what this complaint is about.. 

On XX/XX/2023, I sent the first installment of XXXX The second installment, ( XX/XX/2023 ), I sent XXXX And on XX/XX/2023, I sent the last installment of XXXX These transactions were made with my CHIME DEBIT CARD via XXXX 

On or around XX/XX/2023, when I no longer received any correspondence or communication from XXXX XXXX XXXX, I filed a complaint with XXXX and with Chime, stating that I was a victim of fraud, by XXXX XXXX XXXX I paid for a service, and this time I never heard from them again! I was told by both entities that an investigation would ensue.. On XX/XX/2023, I spoke with a rep from XXXX, who informed me that they had sent the money back to my Chime Debit Card.. I asked the rep to send me an email stating this.. They sent it, and I have it.. In turn, I reached out to Chime asking them where was my money, and how XXXX provided an email to me stating they sent the {$1200.00} back to my card.. Their response was they would do an investigation, and while the investigation was being done, I would receive a temporary credit to my debit card while the investigation was going on.. I was told the investigation could take up to XXXX  days.. The next day or so, I received an email or notification in the Chime app that the investigation was completed and my claim was denied for " no error found '' .. No money had ever been credited back to my Chime debit card.. I filed at least XXXX to XXXX or more rebuttals for my claim to be reopened with Chime.. I provided a police report, the vendor 's contact information ( including phone number ( s ) and email address ), links to their social media pages where they are displaying their business services, screenshots of texts between me and the vendor making arrangements for the services I paid for, screenshots of the vendor 's XXXX XXXX XXXX page.. The only response I ever received from Chime was " no error found ''! Each rebuttal I filed, was shut down by the next day, showing me that they had no care in the world to do an " investigation ''!
Consumer complaint received 2017-02-10
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: Mountain Land Collections, Inc. (UT)

The collection company only gave me 10 days to respond to the court regarding the attorney 's lawsuit against me and my wife. In addition, the last two days of the 'answer to the court ' landed on a weekend. The court is closed on the weekend. Therefore, I actually only had 8 days to respond.They are suing my wife as well, even though I am the person that signed for the medical financial document. I called the collections company to work out a reasonable payment plan and they refused to negotiate, and proceeded to get a judgement through the court against me almost immediately, after I spoke with them.
Consumer complaint received 2020-11-02
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I file a dispute about incorrect items on my credit report. it been well over 30 days and i have not received any information about the investigation results.
Consumer complaint received 2024-05-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (TX)

My debit card was used in XXXX XXXX XXXX ATM withdrawals. Also used at XXXX XXXX XXXX I filed a fraud claim they gave me credits for XXXX XXXX XXXX XXXX but they denied the ATM transactions stating card and pin was used. I explained to the customer service representative my card was stolen. I never wrote down the pin nor gave it to anyone. And how can you approve those charges in my favor and not the other charges. I stay in Texas I was XXXX XXXX XXXX XXXX XXXX XXXX  from XX/XX/year> and didn't get released until XX/XX/year>. So it was impossible for me to be in XXXX I also sent in police report. I am going to XXXX and I been saving this money. I faxed over the documents they asked for. 

XXXX XXXX XXXX
Consumer complaint received 2016-09-30
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Account number : XXXX I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2015, XXXX 2015 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me or the payments were misapplied.
Consumer complaint received 2017-05-22
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: American Credit Acceptance, LLC (NC)

Hello, to whom it may concern I went to XXXX XXXX XXXX XXXX XXXX XXXX XXXX North Carolina to purchase an car, I was approval for an XXXX XXXX XXXX with 230,000 miles, I understood that the mileage was high, I was ok with that because at the time the car did n't show any sign of ware. As the months went by, I begin to notice problems with the front end and the car would roll back on hills without been in reverse. So inXX/2016 I decided after driving the car for one year and making payments on time, I tried to trade the car I for a new model with less mileage, I went to XXXX XXXX to try to trade their car for a new model with less mileage no assisted me, so I went to another car and approval forXXXX car with 17,000, and they would only give me XXXX dollar for the XXXX XXXX because they pull the XXXX and it showed that the XXXX XXXX had been in 2 reported front end accident, WHICH XXXX XXXX DID ADVISED ME OF, I was told that they are suppose to tell you about any accident which they did n't, I understand car are sold as is however they must tell you about the accident, now I understand the frond end problems this care is giving me, and why I cant get at ast a good trade in on this care, I DONT FEEL I SHOULD PAY ANOTHER DIME ON THE DAMAGE CAR, AND XXXX XXXX SHOULD SEND American credit acceptance the balance .XXXX XXXX XXXX XXXX-vin XXXX.
Consumer complaint received 2023-03-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX {$3800.00}, {$25000.00}, {$13000.00}, {$25000.00}, {$24000.00}, {$9100.00}, {$9500.00}, {$4800.00}, {$5000.00}, {$2800.00}, {$240.00}, {$2700.00}, and {$5700.00} PURCHASED MY STUDENT LOANS FROM XXXX XXXX AFTER XXXX XXXX REMOVED MY ACCOUNTS on XX/XX/XXXX. XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX SENT AN EMAIL ON XX/XX/XXXX, STATING MY STUDENT LOAN DEBT RELIEF APPLICATION HAS BEEN APPROVED
Consumer complaint received 2016-05-07
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (NC)

Hi, I signed up for the Citi Gold account and at the time of sign up used the sign up code I had been given for the XXXX XXXX XXXX promotion. I contacted Citi several times and asked them every time to confirm that I was registered with this promotion, they confirmed that I was. I have screenshots confirming this. 

When I fulfilled the requirements for the promotion, I confirmed with Citi, and they said I had done the required steps to receive the points. 

At no point did Citi tell me that I was not eligible or that the promotion was not tied to my account ( in fact, they told me the opposit ) Now, Citi is refusing to honor the points despite all this contradicting evidence. 

This problem is widespread, and it appears Citi is appearing to not honor this agreement to many people. ( See pages like this : XXXX )
Consumer complaint received 2015-09-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (CA)

I sent a written request to LoanCare via email on XXXX/XXXX/2015, requesting to have an appraisal so my PMI can be removed. I have yet to receive a response and its now XXXX/XXXX/2015. I called in XXXX different days and XXXX times requested to speak to a supervisor and the Customer Service Agent refused. I would like to have an appraisal done, due to home improvements. I know my loan to value is well under 80 %. I am wanting to go this route rather then refinancing.
Consumer complaint received 2024-05-07
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Tower Loan of Mississippi, Inc. (TX)

Today, XX/XX/XXXX, I contacted the company that input the information from a third-party lender known as XXXX XXXX XXXX  The company assist that I requested a loan online through this company and that through their terms that they were forwarded My information that allows them to put a hard inquiry within my credit for a loan possibilities. This is a problem as I do not know the company aforementioned. I also requested information how to get this inquiry removed and who to contact unfortunately, Tower finance in correspondence made it clear that they are not willing to.
Consumer complaint received 2016-09-20
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (AR)

This complaint is about Citibank/Home Depot credit card. I always pay this card on-line through my checking account. On XX/XX/XXXX ( or there abouts ) at XXXX I submitted a payment on line, only to realize I had used the wrong ( old ) bank account info, which did not have the funds to pay the check. I immediately called, the person at Citibank said they could do nothing because it was after XXXX. I traveled to the nearest Home Depot that evening, paid my payment in cash. I called again the next day, the person helping me said nothing could be done, they had no procedure to withdraw a payment. 
When the check was returned 3x and I was charged a large fee each time, I called them again and was told they would continue to submit the check, they had no way to stop any payments. I was able to put a stop payment on at the bank, so nothing further was paid. The fees I had to pay to the bank nearly equaled my monthly payment ...
Consumer complaint received 2016-08-02
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

I am having an issue with a XXXX membership cancellation. I signed up for a XXXX on XXXX and informed them that I will be moving and canceling my membership on XXXX, agreeing to pay for the XXXX sessions on the XXXX date. In the contract it requires a cancelation 30 days prior which was made on XXXX. I was then charged for an additional XXXX ( {$410.00} ) even though I informed XXXX members of my move and cancelation. I have since been charged for XXXX on XXXX and was told they will charge me again for the XXXX session. Totaling {$830.00}. I now have been charged an additional {$63.00}, {$67.00}, and {$78.00} on XXXX. XXXX knew about my cancellation yet somehow decided it will be alright to charge 2 extra month XXXX ( technically 3 ) and I was told that it was my fault and that I should lawyer up. I have a screenshot of my conversation with my trainer agreeing that he spoke with his manager about canceling my membership yet I have been charged anyways. I will dispute this with the bank as well but this needs to be resolved and should not happen to other members.
Consumer complaint received 2015-08-22
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: Aspen National Financial, Inc. (MD)

I was not working for almost XXXX years and was not able to pay my maintenance fees on a XXXX XXXX At XXXX XXXX timeshare that I completely paid - debt free. I offered to give the Timeshare to XXXX for FREE in exchange for not having the money to pay the maintenance fees. Instead, they kept billing and calling me and tacked on another year of maintenance fees. I am now getting calls on my cell phone and home phone from Aspen National Collections. XXXX is acting out of greed and are treating me like I defaulted on the mortgage! Get a clue, the mortgage is paid in full. Take the property, resell it and recoup the maintenance fees!!!
Consumer complaint received 2015-11-09
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: PNC Bank N.A. (MI)

A pre-authorized check was written by my bank from my Interest Checking account to a closed, overdrawn account from the same bank without any prior notification that the account had been closed or that a specific amount would be taken out of my active account as payment or the closed account on XXXX XXXX, 2015.
Consumer complaint received 2015-04-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC. (PA)

I forwarded one of my tax bills to SunTrust Mortgage. They only paid aportion of the bill, and I was assessed fine/cost of {$280.00}. I contactedthem about this and they told me they would refund my account for thedifference because it was their error. After several months and severalmore phone calls I have still not received a credit to my account.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (CO)

Credit company said they would set up a hardship on my account and even set up automatic withdrawals for the account with intentions of keeping account in good standing lowering apr during duration of hardship program as long as no payments were missed. I got a call from collections saying I was past due so I paid full balance then I pulled my credit report showing Im past due XXXX billings I called the company they said the person never put me on a hardship plan I asked why they said they are not sure but continued taking payments from my account with deceptive and false intent I called numerous times asking them to pull the phone calls to show me proof to fix the issue and every manager I spoke with refused to help
Consumer complaint received 2019-02-23
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. (NH)

I have been trying to get XXXX  to change my credit report accounts that are NOT mine due to identity theft and data breaches, my aliases, addresses I have never lived at, and other SSN 's that do not belong to me since XX/XX/2018. I have sent them my information on five separate occasions and because THEY are spelling my name wrong, the information ( Driver 's License, Social Security Card, Police Report, FTC Report ) NONE of this sensitive information is going into my file. It is being filed as, " There is no credit report on this person ''.

I want them to CHANGE MY NAME ON MY CREDIT REPORT AND FIX ALL FRAUDULENT ACCOUNTS
Consumer complaint received 2017-02-25
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (TX)

I was sick 2 times during the life of my current 5 year loan with Santander auto USA I deferred XXXX payments to be added to end of loan and I noticed my maturity date was XX/XX/2017 now it sit shows XX/XX/2017 with a balance of XXXX my payment is XXXX so I called and said payoff for XX/XX/2017 is not accurate I ca n't see how loan will mature in XXXX making XXXX payment on a balance of XXXX the math does not add up I said please explain I spoke to supervisor XXXX she said maturity is not accurate you have to pay after that date to pay balance I said it does not add up or make since she said you deferred I said yes that is why my maturity date is now 6 months out no help just fyi Santander is in current class action for same example I am explaining please help I have never been late in 6 years
Consumer complaint received 2016-03-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Credit Karma (OH)

XXXX and XXXX, both have errors on my credit reports. Each error is different with each agency. XXXX is listing employment places I have n't worked at for 7-10 years. I want it removed. I 've been on XXXX for 8 years. Why are they still showing up?
Consumer complaint received 2020-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

IM HAVING ISSUES WITH MY CREDIT REPORTS AND I HAVE CALLED CAPITAL ONE OVER THE PAST COUPLE OF MONTHS REGARDING THE ACCOUNTS THEY ARE REPORTING ON MY CREDIT REPORT AND WAS TOLD RECENTLY THEY ARE STILL WORKING ON IT AND ITS BEEN OVER THE 90 DAY PERIOD I WAS ORIGINALLY TOLD. ALSO WAS TOLD THAT THE TECHNICAL SUPPORT DEPARTMENT WASCCAPITAL ONE WAS SUPPOSE TO CLEAR MY RECORD IN THERE SYSTEMS AND STILL I GET THIS MESSAGE WHEN I DO PRE APPROVALS WITH THEM. I ATTACHED THAT WITH THIS COMPLAINT ALONG WITH MY CREDIT REPORT. XXXX ALSO SAID THEY WOULD GET BACK WITH ME ON THE FRAUDLENT INQUIRES AND NEVER DID WHICH IS OVER A XXXX.
Consumer complaint received 2023-03-22
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc. (NJ)

On XX/XX/23 at XXXX XXXX  I purchased a {$130.00} Vanilla Visa Gift Card with an additional {$5.00} activation fee at XXXX XXXX in XXXX, NJ. On XX/XX/23 at XXXX XXXX  I checked the balance on the card at it was {$3.00}. Apparently someone stole the gift card number and purchased {$130.00} word of merchandise at XXXX. First transaction was for {$100.00} ( XXXX  XXXX confirmation number of purchase ) and second transaction was for {$31.00} ( XXXX  XXXX confirmation of purchase ). I did not authorize either of these purchases. Got in touch with the merchant ( XXXX ) and Vanilla Visa but neither party will reimburse me for the losses. I even have a document by XXXX that states they have located the fraudulent activity and shut the account down of the individual that stole the funds.
Consumer complaint received 2024-05-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

HELLO MY NAME IS XXXX XXXX XXXX, I'VE RECENTLY NOTICED SOME UNAUTHORIZED INQUITIES ON MY REPORT & ACCORDING TO THE FCRA THIS IS A VIOLATION OF MY RIGHTS, ANAD ILL LIKE TO THE ACCOUNT REMOVED IMMEDIATELY! 

THE COMPANY HAS XXXX ACCOUNTS ON MY CREDIT REPORT THAT ARE NOT AUTHORIZED. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX I'VE NEVER STEPPED BEEN TO XXXX, XXXX IS'NT IT ALSO ILLEGAL TO BE COLLECTING/REPORTING INFORMATION FROM A DIFFERENT STATE? 

PLEASE REMOVE THESE ACCOUNTS IMMEDIATELY PLEASE AND THANK YOU!
Consumer complaint received 2019-02-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (NY)

Ive had an XXXX XXXX XXXX account since 1998. I had an interest rate of approximately 14.9 % initially that stayed that way for quite some time. Eventually, the card was merged with Citibank and it led to my interest rate being raised to 29 %. I paid this for awhile and decided to contact the card company to have my interest reduced due to financial hardship. I was denied any leeway on the payments or interest despite my long tenure with the card and asking for temporary assistance. I continued contacting Citibank to request an APR decrease but was always denied. Im still looking for a resolution to this issue so I can make my payments without further putting myself in a financial bind.
Consumer complaint received 2015-05-01
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: iQuantified Management Services, LLC (NV)

During the months of XXXX and XXXX 2015, I started receiving calls for some unknown debt that the company admits is not in mine. I do not know what this debt is, or who they are looking for. The have continued to call my personal cell phone 15-20 times during this period. I have talked with someone at their company at least eight different times letting them know my name and that they have the wrong phone number. Each time, the person apologizes and tells me they will take my phone number off their list. I have received three calls this week alone. The company is I Quantify Management Services ( IQMF ) ; their number is XXXX
Consumer complaint received 2017-02-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (CA)

I went to XXXX and told them Midland funding debt from XXXX, was not my debt. I got a letter that said they placed a hold on my account, and then they verified my social security number and Driver 's License, and re-imputed this information into their computer. Then XXXX XXXX XXXX, bank attendant told me it was not me, so it was cleared. Levy department said they would take care of it because it was not me. Then we get a new judgment from court allowing them to go after my joint account with XXXX XXXX. I believe they gave this information to Midland Funding which is a violation of my privacy, especially since they told me it was not my debt.