davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/2024 I the first payment in the amount of {$850.00} that was returned insufficient funds. I then scheduled a payment to process on XX/XX/2024 for the minimum amount due of {$25.00}. On that same day I received my paycheck which was more than anticipated and the {$25.00} payment had started being processed and could not be cancelled. Subsequently, I made an additional payment of {$200.00} to drop the balance down because I had exhausted the full amount of credit extended. It was none of Capital One 's business why I needed to rent a vehicle but nevertheless I had also received my income tax. 


I had initially given {$600.00} to extend her rental but she was unable to. My daughter sent me back the {$600.00} I sent her to make an additional payment to Capital One in the amount of {$600.00} so that we could rent a vehicle. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and it is essential that the children get to XXXX  and XXXX  each day and it was easier doing with a vehicle than catching the bus so that was the reason for the additional payment in the amount of {$600.00} ( to rent a vehicle ). 

I rented from the airport which I did not know charges an additional {$100.00} for the deposit so I had to hold back an additional day of rental. Instead of renting through Monday to ren

t using the available credit I only rented through Sunday. Capital One 's fraud department called me to confirm the car rental transaction. I told Capital One that I did in fact make the transaction. I then proceeded to tell the representative that I needed to extend my rental and what would be the quickest way to make a payment on the account to gave the credit available. The representative told me I could not do a debit card
payment on the Quicksilver credit card. Therefore I made an additional payment on XX/XX/2024 hoping the payment would post and I could extend the vehicle to ensure my grandchildren got to their XXXX  and XXXX  appointments on Monday. Instead Capital One froze the card and in doing so has not applied the payment I made on XX/XX/2024 to the card nor has returned my payment. Instead they locked me out of even viewing the account asking for a picture of my driver license, ss card, proof of residency and bank statements showing the transactions. I complied and when I called customer service the representative told me whenever the validation department finishes they will call me. This is the cause because I am a hardworking individual and because they locked the account I wasn't able to extend the rental and by that being my last money left me without money to take an XXXX or XXXX to work to take or have my daughter take my grandchildren to XXXX  and XXXX. 

This has caused an adverse affect on myself and family. I gave attached the email from Capital One requesting documents along with copies of what I sent to Capital One.
Consumer complaint received 2017-12-27
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. ()

I made two transfers to my Coinbase account on the XXXX of XXXX. The first one for XXXX ( XXXX GMT ) and the second one two hours later for XXXX. The second one was credited on my account within a couple of hours, the first one has still not been credited. I have sent them about 10 emails regarding the issue with no response at all. These were sent from a XXXX bank account, but were sent as an international ( SEPA ) transfer to their bank in XXXX. I did at one stage see on their main page that they were experiencing some delaying in crediting payments in those days but everything pending would be settled by the XXXX of XXXX - which it clearly has n't. I have no way of getting through to them other than the unanswered emails. Called my bank ( XXXX ) today and they said the money was received - the company is apparently registered in the XXXX. 

Uploaded bank statement shows the two international transfers on the XXXX XXXX number for deposit XXXX Thanks!
Consumer complaint received 2024-04-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (IL)

on XX/XX/21 starting at XXXX XXXX I was a victim of identity theft. I was making a claim with my insurance company and my app was not working properly and said there was a issue with my XXXX id and to contact XXXX support. I clicked on the XXXX support icon on my XXXX and a individual claiming to be XXXX  support asked me to provide permission for them to see my screen so they could trouble shoot the issue. I was instructed to retrieve my backup password and able to update my XXXX account. I was then told that he needed to do some trouble shooting to find out where the malware was that created the problem. He prompted me to verify my my identity in 3 different ways. I then got a phone call at XXXX XXXX that interrupted the support. It was my Credit Union asking me to verify 5 recent transactions XXXX to cashapp, XXXX XXXX XXXX wire transfer, XXXX XXXX as they seemed suspicious. There were several involving XXXX XXXX wire transfer. I immediately selected the " not authorized '', but then i hear my own voice say yes they are mine. I told the XXXX support fella that someone is stealing from my account and i had to hang up. I then see cash app on my banking app and logged into cash app and see that the money i had XXXX in my cash app account was transferred to a individual with a XXXX  debit card ending XXXX and that XXXX XXXX accepted my money.then cashapp stopped another XXXX then immediatly was taken from my checking account and then transferred over to this man, then he took all of my money and somehow used my identity to make transactions they state he bought and sold BTC and even at one point cash app denied a transaction then allowed it to go through. I called my credit union, the police and made a report. I contacted cash app next explained to them what had happened and the gentleman stated that he would email me information that i would have to provide and then they would investigate. I answered all the questions and got a response back stating that there is nothing they can do and are closing my case. IT WAS ALL I HAD!!! I provided the police report, fraud report from my credit union and they sent me a letter with the transactions and case closed. I was told that i could talk to them as much as i wanted to, but from my answers they believe the transactions to be legitimate. I had detailed information as to last 4 of a debit card and person i am not affiliated with, time stamps. I have no history in crypto Exchange in any way. They will not help me. I continue to get calls from this person and he emailed me using a XXXX logo, but the email address went to a XXXX XXXX. The app he used to gain access to my XXXX, XXXX and XXXX watch is called XXXX XXXX XXXX.
Consumer complaint received 2023-01-28
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance {$9200.00} ; XXXX XXXX Date opened : XX/XX/XXXX Balance {$2600.00} ; XXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance {$1000.00} ; XXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance {$24000.00}.
Consumer complaint received 2017-11-01
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PHH Mortgage Services Corporation (CA)

Hello. In XXXX XXXX my property was refinanced and appraised for {$130000.00}. Mortgage company XXXX XXXX Mortgage XXXX. 

Now, I 'm going to sell the property and find out the property is worth $ XXXX. The property values in the area went up / remained steady since XXXX. I think the appraisal was inflated to get the refinance through. 

What recourse do I have?
Consumer complaint received 2022-09-08
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. (NJ)

I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1. Account Name : XXXX XXXX XXXX  Account Number : XXXX 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 Delete this account immediately, unless you want to be held {$1000.00} per violation 2. Account Name : XXXX  Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S. C1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation 3. Account Name : XXXX  Account Number : XXXX 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 Delete this account immediately, unless you want to be held {$1000.00} per violation Sincerely, XXXX XXXX
Consumer complaint received 2024-04-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Companies have failed to do 6801. Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. 

( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards- ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. 

Financial institutions covered by the XXXX XXXX must tell their customers about their information-sharing practices and explain to customers their right to " opt out '' if they don't want their information shared with certain third parties. I have no prior notice written or verbal notification from XXXX Transunion XXXX that information was being placed on my file. I was not given notice. If so, Please provide every notice and agreement immediately. You did not make legitimate attempt to notify me of debts be fore place them on my credit reports. 
( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Please provide with in 15 days of the information and documentation and process that was used to valid this information.
Consumer complaint received 2018-02-01
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc. (FL)

Due to working away from home and also moving to a new home, I do not have all of the exact dates and documentation. I also thought the matter had been resolved.

When I went to the register to purchase my items at XXXX XXXX sometime XX/XX/XXXX, the cashier asked if I would like to earn points for future purchases. She explained the promotion, however, never mentioned that I was applying for a credit card. I entered some information on the XXXX XXXX and also presented my XXXX XXXX XXXX. When I walked out of the store I thought the purchase was charged to my XXXX XXXX XXXX.

When I went to the next store to pay for my items, I could not find my XXXX XXXX XXXX While looking for my card, I found the receipt from XXXX and then noticed the recent purchase was not charged to my XXXX XXXX XXXX. I immediately went back to XXXX   and asked them to return my XXXX XXXX XXXX ( which they did ). I also asked them to remove the recent transaction from their card and add it to my XXXX XXXX XXXX. XXXX refused to do it. I then called XXXX ( credit card company ) to cancel the card and they said they could not do it.

When I returned home from work in XX/XX/XXXX, I received a bill from XXXX/XXXX. I called XXXX to pay the bill with my XXXX XXXX XXXX. They refused to accept it, and said I must send them a check ( which I did-see attached ). They said they would waiver the late fee after I explained the events that occurred at XXXX  and that I was out of town. However, further statements came with some fees that did not make sense. I NEVER made any new purchase and I asked them to CANCEL the card several times in the past 2 years.

I made numerous calls to XXXX  and was always assured a XXXX  balance each time. Because of my physical move, the only documented conversation I have with XXXX is with XXXX, Confirmation # XXXX,XX/XX/XXXX. The XX/XX/XXXX balance was {$55.00} ( see attachment ). The latest XX/XX/XXXX bill balance is {$17.00}. No new purchases have been made. They removed portion of the fee???

This has hurt my EXCELLENT credit rating.
Consumer complaint received 2024-04-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: DISCOVER BANK (CA)

My Discover Bank savings account was recently hacked and the hacker initiated 2 ACH transfers ( ACH Deposits ) of {$50000.00} and {$30000.00} from my linked XXXX XXXX XXXX Bank accounts on XX/XX/2024. I noticed these unauthorized transactions and contacted Discover bank to cancel these transactions and return the {$50000.00} and {$30000.00} to my XXXX accounts. Both funds were later returned on XX/XX/2024 as " Misc Debit - Unauthorized Transactions ''. However, on XX/XX/2024 XXXX more transactions of same amounts ( {$50000.00} and {$30000.00} ) debited my same savings account under " Reverse ACH Deposit ''. I never received there funds in my XXXX XXXX  accounts. I have tried to directly work with Discover Bank many times to request credits for these XXXX debits since XX/XX/2024. Discover Bank customer service, including their Dispute and Investigation Team, not only refused to credit the {$50000.00} and {$30000.00} to my savings account but also refused to give me any explanation regarding these total of {$80000.00} that was debited to my account. During these time, they have given me false and/or vague promises such as " we will credit your account in the next XXXX hours '' or " we have our back office look into these and will have them solve this for you within XXXX business days ''. As of today, XX/XX/2024, I have not received credits nor explanation of the additional {$80000.00} that was taken from my account.
Consumer complaint received 2018-02-01
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

OnXX/XX/XXXX I contacted XXXX XXXX and informed them of my mothers XXXX and requested them to transfer funds in the account XXXX to me mothers estate account, my name is on the XXXX   account but they requested I close out the account which would take less than 9 days. I emailed them her death certificate, Affidavit of Domicile and Letter of Authorization for wire transfer. On XX/XX/XXXX I verified that they received all the documents they required and was promised that this would be all that was required and the would transfer the funds within the next 9 days. On XX/XX/XXXX I contacted them again as they had not transfered the funds and was told that I needed to complete 3 items and 2 of the items were complete and the third item was a sales pitch for me to put my name on the account and keep it with them, I told them that the estate was to be divided to several people. Still nothing had been done and no one had contacted me so I called them on XX/XX/XXXX and told them they needed to act on this that day and again they promised to return my call that day but never did. I have been dealing with : XXXX XXXX  Relationship Consultant XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Il XXXX  phone XXXX XXXX XXXX   sXXXX XXXX
Consumer complaint received 2020-10-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (VA)

I have tried for months to obtain the mortgage payoff amount from Select portfolio Servicing ( SPS ) and despite my numerous explanation that the correct amount need to be calculated and provided the company keep providing me the same quote. This company is a collection agency and just started purchasing mortgages from other companies without having proper staff and knowledge on how to handle mortgages. The staff do not have knowledge and there is no loan officer we can talk to directly. Every question takes 30 days to be responded to and there is no one I can talk to explain my problem with their responses. 
They have purchased my mortgage from XXXX XXXX 2 years ago and since then I have filed numerous complaints and have filed lawsuit against them which they settled with me outside of court. 
I have tried to explain to them that during first 5-10 years of 30-yr loan consumer pays the most interest on the loan which is more than interest that they should pay and eventually the interest goes down and more of the payment goes toward principal. For example, during last 3 years 70 percent of my mortgage payment has gone toward interest and only 30 percent has been applied toward principal. Now that I plan to payoff my mortgage all the extra interests that I have paid during last 3 years should be calculated and deducted from the payoff amount. However, this company does not understand the concept of loan and keeps quoting me the same principal amount without any further calculation. They have wasted 3 months of my time trying to go back and forth and there is not a single person that I can talk to that has enough knowledge of the loan process.
Consumer complaint received 2020-08-19
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. (AR)

I pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX {$18000.00} XXXX   XXXX {$580.00} XXXX XXXX  XXXX {$760.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}
Consumer complaint received 2022-01-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio (CA)

Vance and Huffman is falsely reporting a collection item on my XXXX, XXXX and XXXX credit reports that I do not owe. I disputed the account and Vance & Huffman LLC falsely updated it as " valid ''. The account falsely claims owe XXXX XXXX XXXX and amount of {$310.00}, which I do not. Account number XXXX. 

I do not owe this amount, I have never taken out a loan with XXXX XXXX XXXX or Vance & Huffman. Nor have I ever done business with either. 

The erroneous collection must be removed from my XXXX and XXXX reports as Vance and Huffman has never contacted me and has not sent me anything substantiating this alleged debt. It is not mine and is negatively affecting my credit. I am an XXXX and this irresponsible and false reporting can adversely affect my employment. 

This company needs to do its due diligence to verify debt ownership before reporting ( and continuously updating with no investigation ) false information on consumer reports.
Consumer complaint received 2020-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO. (NY)

I disputed charges to my credit card in XX/XX/2020. The dispute department at Chase is not functioning I assume due to the work from home aspect. Over two months I was forced to submit the details of my dispute on four different occasions, two of which after a dispute representative confirmed they were received and were being reviewed. I was informed by Chase in XX/XX/202 that the dispute was settled in my favor as the merchant did not respond to their requests for information. I then received another bill for the charges two weeks later and called in and was told my evidence was never received. After trying to elevate, I was told that a letter to re-open the case needed to be faxed. I went to the local branch and had them fax/e-mail the letter to the dispute department and the executive offices. XXXX, a manager at the branch proactively called me and confirmed he read the issue and was going to take care of the problem, it was ridiculous and he would have it taken care of through a " branch resolution '' confirming not to worry about it anymore it was settled. In XXXX I received another letter requesting evidence for the dispute ... I called the executive office representative 6 times and left messages that were never returned. I elevated to executive CS manager who called me on XXXX took all information, confirmed call back number three times as they had the incorrect number and committed to investigating and getting back to me asap, I have not heard back from them to date. Today we received a bill for the charges plus penalties and interest. After we were told by the branch manager it was resolved we discarded our file and now have no way to pursue the merchant as our bank refused to complete any form of investigation or honor their commitments. My wives income disappeared with the complications of Covid and we could really use your help.