davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-03
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: JPMORGAN CHASE & CO. (CA)

Yes I have a Chase credit card that I used to have that most of the charges a fraudulent that are left on it that are unpaid also I open a new Chase bank account the credit card is stuck in XXXX and I didnt even stolen the chase bank and open here in a XXXX but due to some lack of security fraudulent charges again and I kept having to chase bank account keeps a document or a log of every device and several login to your account so I kept having people login random computers random things login they can secure my calendar and Ill didnt put no more money back and it nor pay the overdraft I was fraudulent
Consumer complaint received 2021-06-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Capital One charged the contractual annual membership fee on my XXXX credit card account on XX/XX/XXXX. I called their customer service the following week asking for options to reduce or waive that fee, since i do not use this credit card as my main card anymore but do like having it in my wallet for convenience. The only option they gave me was to close the account within 40 days after posting of that fee. Then I asked them to convert the credit card to one of their no-membership fee cards, but the agent said that even then the fee would stay as charged although the agent also confirmed that the annual membership fee that was charged in XX/XX/XXXX is for the next 12 months ( i.e. XX/XX/XXXX through XX/XX/XXXX ). 

I decided not to close the account, because the card has a much lower APR point then a new credit card that i would open today. Subsequently, I asked Capital One to convert this account to their XXXX credit card, which doesn't have a fee, and doesn't have the features as the XXXX card which warrant the fee. However, the {$95.00} fee i paid on XXXX to Capital One stayed with them, and i will not get any of the advertised benefits of the membership fee for the next 12 months for which they made me pay for. 

For reference i had this credit card since XXXX have never once been delinquent and have excellent credit in general.
Consumer complaint received 2021-06-04
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

These accounts don't belong to me. Please remove them from all 3 credit monitoring agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

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

4. Identity Theft BK OF AMER Account Number : XXXX This is not mine. 

5. Identity Theft XXXX  Account Number : XXXX This is not mine.
Consumer complaint received 2019-11-02
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. (PA)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2019-11-02
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: EQUIFAX, INC. (PA)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2021-04-09
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-01-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lendmark Financial Services (MD)

years ago i opened a loan with Lendmark. Prior to 2015 the account was charged off and placed with XXXX XXXX XXXX. I have called and documented at least 4 calls between this office and myself offering to settle the matter. I was told on multiple occasions to call back. I recently received some type of asset verification letter which i found to be offensive considering ive been trying to reach them to pay. Ive even called lendmark directly to try to resolve this issue. The attorney is non responsive and does not assist in the collection of debt.
Consumer complaint received 2020-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Service Finance Holdings, LLC (MI)

I cosigned for my Son on a loan. He got into financial trouble. He was embarrassed and did not tell me. 
I did not receive one letter or notice from the creditor. I would have made the payment to avoid the delinquency. My credit is ruined. I am trying to buy a home and my score has dropped over 150 points.
Consumer complaint received 2017-12-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (MI)

I was contacted by the debt collection company and informed that I was liable for an outstanding debt that after the accumulation of interest amounted to over {$5000.00}. I was informed that it stemmed from an outstanding unpaid bill with XXXX XXXX/JCPenney from 2008. While I made purchases from JCPenney in the past, I have no record or recollection of any such outstanding bill nor have any such bills been reported to any of the three credit reporting bureaus. I am of the opinion that this is a fraudulent debt collection attempt. 
The company identified itself as ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Nevada, XXXX
Consumer complaint received 2022-04-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair credit report act XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$990.00} XX/XX/XXXX XXXX XXXX XXXX {$2200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$960.00} XX/XX/XXXX XXXX XXXX {$530.00} XX/XX/XXXX XXXX & XXXX XXXX {$370.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX {$120.00} XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-11-03
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MI)

On XX/XX/2020, I sent a letter regarding inaccurate items on my credit report and to this day, over 60 days later I have not yet recieved a response back. I really feel as if my disputes are being ignored. Section 611 ( a ) states that, a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. it has been more than 60 days so these items should be deleted. Due to the stress that has been caused, I demand theses accounts be deleted now or i will file for litigation. My information was also impacted by the XXXX  data breach and i'm concerned it may have got into the wrong hands.
Consumer complaint received 2020-11-03
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Late or other fees
Company: CITIBANK, N.A. (NY)

I registered for a Citi Priority Package. The definition of the package was that there was a checking account and savings account linked which required a minimum balance requirement. If there was a change in the account type this package would impact eligibility for the promotion. 

After completing the promotional requirements I closed the checking account and have kept the savings account open. 
The bank is now charging me a fee for the savings account based on the account package. However their definition of package included a checking plus savings account, therefore I no longer meet their criteria for the 'package ' and therefore should not be charged the monthly fee for just the savings account alone.
Consumer complaint received 2021-04-09
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. (AL)

I demand the deletion of the fraudulent inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXXXXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX I on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2021-10-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

On XX/XX/XXXX I made a regularly scheduled payment by the due date. On XX/XX/XXXX I paid off my credit card in full except for a pending charge of {$26.00}. On the morning of XX/XX/XXXX I checked my account and it showed a balance of {$26.00}. On the evening of XX/XX/XXXX I checked my balance again to find an interest fee of {$100.00}. I promptly called capital one to remove that charge since my payment had cleared on the XXXX before the new cycle started. They refused to remove it and were simply patronizing and rude. I asked to speak to a supervisor who was more rude than the first. He explained the interest rate was based on the average daily balance and that it would take 2 months to see those fees based off of my average daily balance go down. I proffered that I would never be able to pay off my credit card based on their predatory interest practices. He then further explained I could take my business elsewhere. I have been their customer for almost 18 years and in that time I have never missed a payment or been Late with a Payment. I asked to speak with someone above him and he said that was not allowed. Capital One needs to be investigated for their predatory lending practices and exorbitant interest fees and their complete lack of customer service. Please help.
Consumer complaint received 2017-12-11
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: BB&T CORPORATION (FL)

On XXXX XXXX, XXXX, 6 days after totaling my XXXX XXXX XXXX, I went to XXXX XXXX to buy a vehicle. I met with XXXX XXXX who was my salesman, although XXXX XXXX XXXX is listed as the salesman on the contract. I explained to XXXX about the accident and that I did not have GAP Insurance on the totaled XXXX and showed him the amount that XXXX had paid on the XXXX, the check of which was issued XXXX/XXXX/XXXX. I showed him the latest bill that I had which showed a payoff of {$13000.00} on the XXXX, having been financed through XXXX XXXX XXXX. XXXX paid a total of {$6600.00}, leaving a remaining balance of {$7000.00} owed on the XXXX. He let me test drive a XXXX, but wanted me to come in the following day, at which time he had me test drive a XXXX XXXX XXXX, which had a large rebate on it, which he said would be used as payoff on the XXXX, together with my {$2200.00} down payment. There was never any question about the financing and the XXXX payoff. They said they called XXXX to get the 20-day payoff and commenced to work up the financing. I signed it all that day, but they called for me to come in the following morning to re-do the signing as the final contract. I understand that XXXX was fired. I have called repeatedly in the first few months afterward to find out why the payoff had not been received by regional. Most of the calls were met with either promising to call back, ( with never a callback ) or not answering until the receptionist finally gave me XXXX XXXX 's cell number, ( XXXX ) XXXX. He is the General Manager. When I told him that my payoff had not been paid, he said, " Oh I 'm gon na fire every one of them '', then said that he would have XXXX call me. She did n't. I called him again ; he said let me call you right back. He did n't. I called him again, ; he put me on hold, then said that the check had already been issued, and gave me the check number and the amount. I contacted XXXX with this information, and they were kind enough to put ( 2 ) payments to the back so that my credit would not be affected. No check came after several weeks and XXXX conversations. I remember it being odd that XXXX XXXX had called to verify the loan and when I told her about the pay-off of the XXXX being financed into the new loan, she said " they told you that ''?. I said yes, and it was true. I went over to XXXX around XXXX XXXX to get my tag and while I was there, talked to XXXX the Salesman, who went upstairs and talked to XXXX. He came back down and said it 's all taken care of ... .XXXX is writing a check as we speak. I was so happy! But still no payoff to date. Thursday, XXXX XXXX, XXXX I called and left a voicemail for the Finance Manager to call me. Today is Monday and no call. I now have an amount due of {$1400.00}, including late charges. I ca n't make these payments plus those on the XXXX, and late payments are showing up on my credit report. I was recently denied credit.
Consumer complaint received 2020-11-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation (OH)

On XX/XX/20, I contacted Bridgecrest ( the finance company for my auto loan ), and told them I was having trouble making my car payment which was due on XX/XX/20. I advised them I was out of work due to Co-Vid 19 and was in the process of interviewing for a new position. I asked if I could have the XXXX and XXXX payment deferred, so that I wouldn't owe anything until XXXX. I advised I'd be able to make the payments starting in XXXX. I was told they would submit the request and to call back to see if the deferment request was approved. 

On XX/XX/20, I called back and was told the request needed to be resubmitted. For some reason the first request wasn't submitted, but the information was there. I told the rep I needed to defer my XXXX and XXXX payment. I was then told to call back once the XXXX payment was due and request a deferment for both XXXX and XXXX because I couldn't request a deferment for a payment that wasn't due, and if I requested the deferment for XXXX, it would automatically reject a second deferment request for XXXX. I asked if I would be at risk for repossession or anything, and I was told no. 

On Friday XX/XX/20, I noticed my credit report reflected the incorrect amount owed for my auto loan. I checked the payoff amount on Bridgecrest 's website, and it reflected {$15000.00}. That amount didn't make sense since I'd purchased the vehicle XX/XX/20 for {$15000.00}. I put an {$1100.00} downpayment on the vehicle that day, and I've been paying {$420.00} every 2nd day of the month up until XXXX. 

I asked why my loan reflected this balance as if I hadn't been making any payments at all. They told me it was due to the daily interest which accrued from XX/XX/20 until XX/XX/20. I was advised that amount included {$600.00} additional added to my loan. I told him that it still didn't make sense due to how much was already paid into my loan. I wanted to know where the rest of my payments had gone. 

The representative told me something didn't look right with my loan and told me he'd allow me to speak with a manager. He then put another gentleman on the phone who said he was the manager. He tried to explain to me why the balance on my loan was so high. The calculations still didn't add up or make sense. He then told me he wasn't a manager. He'd actually been pretending to be one. 

I feel this company has engaged in illicit and dishonest behavior to inflate the amount owed on my loan and take advantage of the Co-Vid 19 situation we're having. I shouldn't be accruing exorbitant daily interest amounts, especially when I'm dealing with a financial crisis and already made attempts to have the payment deferred. Also, the amount owed on my loan shouldn't 've suddenly inflated to an amount that completely cancels out all of the payments I've made since purchasing the vehicle.
Consumer complaint received 2020-11-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (PA)

Hello, my name is XXXX XXXX. I have a reliacard through US Bank. I was never able to activate the card because the bank requested that I send in proof of my identity. I've done that with confirmation on my end as well as US bank 's representatives. This has been going on for one month 's time that I haven't had any access to MY money. When I call they say they don't have an answer as to why my card is still in restriction status. I need help contacting this establishment
Consumer complaint received 2020-11-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (TX)

I have two complaints : 1. On XX/XX/20 Dovenmuehle took {$470.00} out of my escrow account, I called and requested an explanation and an audit of the account to understand why. I spoke to XXXX on XX/XX/20 and she said that was a task for the research department and that I would here back from them in 7-14 business days. I have not received a written response or an explanation of the withdrawal. I have reached out in several emails with no response and have tried to get them on the phone. 

2. Dovenmuehle assumed my loan on XX/XX/20 and the hazard insurance was due to be paid on XX/XX/20 - I called on XX/XX/20 after I received notice from the insurance company that the bill was past due. As of XX/XX/20 no payment has been made for the insurance. 


The escrow account is in good standing and has plenty of funds available.
Consumer complaint received 2017-12-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

I had a credit card with Capital One in XX/XX/XXXX-XX/XX/XXXX, due to the many outrageous charges from the bank, I disputed it. Then the bank charged it off and bought by collection companies. It has been resold to four different collection agencies, XXXX XXXX, XXXX, XXXX, and now back to XXXX XXXX again. XXXX XXXX says it will stay on my credit report until XX/XX/XXXX. That is over 14 years when it should have come off in XX/XX/XXXX. This has been resold several times. It is illegal. It has destroyed my credit and continues to do so everyday.
Consumer complaint received 2021-06-04
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. (IL)

I have requested numerous method of verifications and advised I have no contract with an account called XXXX XXXX. Equifax removed it off my credit and then added it back a few days later. They still have not sent me the information I have requested. All they ever say account is verified. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that they disclose to me all the documents that they have recorded and retained in your file at the time of this request concerning the accounts that they are reporting in my credit report. If they are unable to provide me with a copy of the verifiable proof that they have on file for each of the accounts listed below within 30 days of receipt of the letter then they must remove these accounts from my credit report. This is about my 4th complaint with you all and now I have went to the attorney general as well.