davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-07
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 (WI)

On XX/XX/XXXX a purchase in the amount of {$6500.00} was charged to the credit card by a company called XXXX XXXXXXXX XXXX. This purchase was for goods and services associated with a solar panel installation that never occurred and the merchant did not refund the money. 

According to the solar installation contract, the merchant was supposed to install the solar panel project to " substantial completion within 4 months '' At the end of the 4-month period, the merchant had not yet installed the installation project. 

An email between myself and XXXX XXXXXXXX XXXX on XX/XX/XXXX indicated that the merchant would need additional time for the project even though the original 'substantial completion ' date should have been XX/XX/XXXX. Another email between XXXX XXXXXXXX XXXX and myself on XX/XX/XXXX indicated that they would be extending the delivery of the goods and services an additional 2 months after XX/XX/XXXX. Another email on XX/XX/XXXX indicated that I would be contacted within XXXX weeks to provide a project status update. No status update was provided and the company stopped responding to inquiries about the project. I then immediately proceeded with an attempt to resolve the situation with the merchant by cancelling the contract and demanding a refund for the charges paid. 

According to XXXX Rules ( see XXXX XXXX Chargeback Guide Merchant Edition - XXXX XX/XX/XXXX ) page 52 " In cases involving delayed delivery of goods or services and the delivery or performance date was specified by the merchant and the LATEST anticipated delivery of performance date was specified by the merchant has passed '' that the dispute must occur 120 days after that date has passed.

The card issuer maintains that the dispute was untimely however, based on their own rules. The specified delivery date was 4 months from the date of signing of the contract. The merchant then effectively extended their specified delivery dates through email on XX/XX/XXXX and again on XX/XX/XXXX thereby resetting the 120 day window for a dispute ultimately to 120 days after XX/XX/XXXX. A dispute was mailed by certified mail to Capital one on or about XX/XX/XXXX. This is Just 20 days after the last specified performance date of the merchant. Furthermore, the card issuer won't accept a dispute until the cardholder tries to resolve the problem with the merchant which was done prior to submitting the dispute. 

The dispute was in fact timely based on the XXXX published rules because the the dispute was submitted " within 120-calendar days of the latest anticipated delivery of performance date specified by the merchant '' ( see page 52 of the chargeback guide ). The latest anticipated delivery date of the goods was XX/XX/XXXX after the merchant changed the delivery dates twice.
Consumer complaint received 2021-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (OH)

My account was current in XXXX and minimum payment was made before the XXXX XXXX due date. I made a payment for XXXX on XXXX. XXXX. Since my payment was made before my next statement was issued on XXXX. XXXX, my payment was not applied to the minimum amount due for XXXX and on XX/XX/XXXX I was charged a late fee. I have asked to have the due date and statement date set to the same day of the month but the company states that they must keep a 1 week period in between. This is creating a black-out period where my payments are only applied to my balance but not considered against the minimum payment requirements.
Consumer complaint received 2024-02-12
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Upstart Holdings, Inc. (FL)

Dear Consumer Financial Protection Bureau, I am writing to express my concern over misleading communication practices employed by Upstart in their loan approval process in partnership with XXXX Specifically, this pertains to a {$1500.00} relief loan application I submitted in the week of XX/XX/2024. 

Upon my initial application, I received a pre-approval notification for the loan. After a week, during which there were no changes in my financial status, I submitted the application for final approval. To my surprise, the final approval email stated that I was " APPROVED '', but it also mentioned that this approval was contingent on certain undisclosed disqualifiers. 

This language is problematic and misleading. An approval that is contingent on further conditions should not be termed as a definitive " approval '', but rather as a continuation of the pre-approval stage. This miscommunication gives a false impression to the consumer. 

Moreover, the stated disqualifier for my application an increase in debt since my initial application is factually incorrect. I had not incurred any additional debt during that period. 

The purpose of this complaint is to urge the CFPB to enforce more transparent and accurate language in loan approval communications. It is crucial that terms like " APPROVED '' are used appropriately and accurately to prevent misleading consumers. The current practice of indicating final approval, while still being in a conditional pre-approval stage, is deceptive and needs to be addressed. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX.
Consumer complaint received 2021-07-17
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have contacted Capital One Auto Finance due to this alleged debt they are attempting to collect in which I have disputed electronically, in writing, and orally over the phone and I a, still be told that I am the owner of this debt. In my findings with the information gathered I believe unethical and unfair practices took place with my personal credit information. So I do believe identity theft has taken place and I am to the point where my livelihood is being affected and the safety of my own human life is at risk. Attached are findings and verification of documents. 

Attached will also the alleged account of this debt they are claiming I owe which is an account that was created in fraud through identity theft according to 18 USC 1028
Consumer complaint received 2024-02-12
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TRUIST FINANCIAL CORPORATION (TX)

I was notified by my chase account that I have a {$15000.00} balance with truist bank with a credit card that was opened. I did not open this account or credit card. I spoke with someone from truist bank on the phone who told me to report this and I will go in person later to verify that I in fact did not open this account.
Consumer complaint received 2018-07-27
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: JPMORGAN CHASE & CO. (CA)

Some body run my credit with out my knowledge here is the date and company XXXX XX/XX/XXXX CHASE AUTO XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX 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 XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

Initially when this account was past due, I attempted to make payment arrangements that I was able to afford since I was not working. Capital One refused to accept any payments unless they were the full amount that they were requesting. This caused the account to go into collections. Fast forward to now, Capital One has sold my account to a collection agency who is still not accepting what I am able to afford. This account is ruining my credit and I have had no issues paying all my other debts. This one is completely keeping me from having financial freedom and I have attempted on many occasions to resolve this debt but they will not accept my payment.
Consumer complaint received 2021-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Aldous & Associates, PLLC (UT)

Aldous and Associates  is reporting a erroneous debt on my credit file. I never received a call or notice about this debt and it was until i checked my credit that i noticed this debt. I have since called and paid the debt. Like i mentioned i was not notified about this debt and that violates my 30 day right to dispute. I have requested they remove the collections from my credit file as i was not notified about the debt and they refuse. I need these collections removed from my credit file ASAP.
Consumer complaint received 2024-02-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PNC Bank N.A. (PA)

I request XXXX XXXX report and upon read this report I noticed that over XXXX transactions from my bank reporting on this report. These transactions consist of my bank account transactions history.These transactions were provided by the Banks in which I bank with. According to these bank privacy terms and conditions they stated that my information will not be shared with any third party. I am also aware that this is a violation under the privacy act. XXXX XXXX is a third party and for my banks to unlawfully give out my personal spend transactions without my written consent or knowledge is a complete violation of my rights as a consumer. XXXX XXXX XXXX XXXX has reported XXXX of my banking transactions, PNC bank has reported XXXX of my banking transactions, XXXX XXXX is reporting XXXX of my banking transactions and XXXX XXXX XXXX  is reporting XXXX of my banking transactions all together, along with two other banks that I have not currently list. I have provided documents of each transaction.
Consumer complaint received 2022-04-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (TX)

sent in final payment to Mr Cooper mortgage company. I had about XXXX dollars still to pay on my loan. I sent in XXXX which was my normal amount and figured they would refund the extra money. The check cleared on XX/XX/XXXX. I finally contacted them on XXXX XXXX after nearly 4 days of trying to get through. At that time explain to them what I was after l told d OK they would br back in touch. I waited for a week then called back and the lady I spoke to told me to send in a disagreement form to an email address. I sent the form and all the information that I had and that was requested. I received a letter from them dated XX/XX/2022 telling mt they would be back to me in 15 days with the information. 15 days goes by with no calls or letters. I call the number they offered me to use and explained the issue again and she told me she would check on it and call me back. Never happened so I tried again and got the same lip from them. 
My loan waws sold to this company with 1 payment left on it, the first company was XXXX XXXX
Consumer complaint received 2020-06-04
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Bureaus, Inc. (TX)

In the later part of XX/XX/2020, I pulled my credit report from all three credit bureaus. 
After reviewing my report, I noticed The Bureaus INC was reporting, negative and erroneous items to the credit bureaus. The Bureaus INC actions have negatively impacted my personal credit report. 

On XX/XX/2020 I sent a Validation letter to The Bureaus INC ( Letter Attached ) On XX/XX/2020 by certified mail the letter was delivered to The Bureaus INC Tracking # XXXX ( Tracking Information Attached ) In XX/XX/XXXX I received a response letter from The Bureaus INC. 

In the Validation Letter that was sent to The Bureaus INC, I stated that this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed, and validation is requested. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

Please provide me with the following : Prove the Statute of Limitations has not expired on this account : Show me that you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : After reviewing The Bureaus INC response letter, I noticed that The Bureaus INC didnt provide their Bond or License. These are required in Texas and is a clear violation of Texas State Laws. 

Section 392.101 of the Texas Finance Code : Prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. 

So, I went to the Texas Secretary of State website and entered The Bureaus INC name and address. 

I also went to Collection Agency Licensing website, to see if a collection agency had to be bonded and licensed to collect debt in Texas. ( Screenshot attached ) Im very concerned with the tactics that The Bureaus INC has displayed, and the misleading afforded to collect in a state where they are not bonded nor licensed. This is a clear State violation, FDCPA and FCRA violations. 

FDCPA Section 1692e 807. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. We can clearly see that The Bureaus INC had violated FDCPA, FCRA, Texas Secretary of State Section 392.101 of the Texas Finance Code and me the consumer.
Consumer complaint received 2021-05-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (GA)

XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX, Georgia XXXX I.C. System XXXX. XXXX XXXX XXXX XXXX, MN XXXX I am writing in response to collection, XXXX. # XXXX, XXXX  XXXX XXXX XXXX, in the amount of : 1. {$1400.00} 2. {$85.00} 3. {$930.00} I.C SYSYTEM, nor XXXX  XXXX XXXX XXXX, have produced a contractual agreement upon which I entered and agreed to establish a relationship. 

I am victim of identity theft and would like I.C. System to provide proper validation, above verification, of any relationship established. I am exhausting all efforts to quiet this claim, and aware of legal remedies, that could be costly, to have I.C. System, Inc., prove in a court of law that this debt is valid. I.C. SYSTEM, INC. continues to harm my credit file with negative reporting and not properly validating alleged claims and shall remove this immediately! 

If I do not receive proper validation within 45 days or less, you are obligated to have this negative reporting removed from my credit file permanently. This letter is in accordance with FDCPA, 15 U.S. Code 1692g. ; FCRA, 15 U.S.C. 1681-1681x. 


XXXX XXXX
Consumer complaint received 2024-02-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TOYOTA MOTOR CREDIT CORPORATION (ID)

Car payments for {$7500.00} via XXXX from XXXX XXXX XXXX XXXX to Toyota via their https : //www.toyotafinancial.comXXXX  using my XXXX XXXXXXXX XXXX as well as their XXXX XXXX are being accepted and then reversed resulting in interest accruing. 

First payment XX/XX/XXXX accepted then reversed, tried again on XX/XX/XXXX after talking to Toyota Financial and XXXX XXXX. Payment accepted, remaining balance adjusted then on XX/XX/XXXX website says payment failed and balanced readjusted back to prior to payment. 

There is no problem on XXXX XXXX end, I've made many eft payments using their routing and my account # s for sums much larger than XXXX. Researching online I find than there are other customers in the same time frame having same problem.

In addition their website notes ... '' As we are updating our website and payment experience, you may be asked to add your bank account information again. Once you add and save this information, you can access it for future use '' This problem needs to be acknowledged, fixed and all interest accrued because of the failure refunded to me and other customers.
Consumer complaint received 2024-02-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (IL)

PSLF paperwork completed and sent XX/XX/XXXX. I follow the prompts for calls and/or texting, and no one ever responds. I have been attempting for more than 1 year. My loans should have been forgiven by the end of XXXX. I'm still paying on them, and it's now XXXX. Customer service has been horrendous!
Consumer complaint received 2020-09-08
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

I received a letter from XXXX XXXX XXXX on XX/XX/2020 attempting to collect payment on a debt it identified as Fifth Third Credit. I sent a letter ( attached ) asking XXXX to provide certain documents and to validate the debt. In the letter, I ask that the materials be provided before I engage in further discussions about the debt According to the return receipt ( attached XXXX, XXXX received the letter on XX/XX/2020. I have not received any of the requested materials since sending the letter. However, on XX/XX/2020, I received a call from XXXX and the gentleman advised that he was a debt collector and this was an attempt to collect a debt. I advised him that I sent a validation letter and had not yet received the requested materials. He simply kept replying " What letter? What kind of letter? '' At which point I ended the call. 

The Fair Debt Collection Practices Act provides that if I dispute the debt within 30 days of receiving the initial letter, and I did, that the collector stop collection efforts unless and until they provide documents validating the debt. XXXX violated the FDCP in this instance and should be dealt with accordingly.
Consumer complaint received 2020-10-30
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: ERC (TX)

Hello, My name is XXXX XXXX and the reason I reaching out is to complain on XXXX and how they have been lacking of reaching out or reporting to me on any updates. They have exceeded the 30 days multiple times and yet I have not seen no change or any movement on my account. They are reporting accounts that are not mine and I need to get this resolved as soon as possible. I already have mailed multiple letters through certified mailed, which are dated, and listed everything listed as detail as I could be. I have included everything they required and I still have not seen nothing change. 

The following are some of the dates of the letters I have mailed out : XX/XX/2020 XX/XX/2020 XX/XX/2020 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.
Consumer complaint received 2022-04-28
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: DISCOVER BANK (GA)

In accordance with the fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting can not furnish a account without my written instructions.

15 USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-07-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (NY)

I have a legitimate Coinbase & Coinbase wallet account, both are linked to my bank accounts. Coince base is a seller of cyrpto currency. About 3 months ago Coinbase disabled access to my account and I've been locked out ever since. I've been emailing them, trying to re-open a case, I've tried tweeting to them on their twitter account & direct messaging them on their coinbase support twitter account & all I ever received are automated messages that have the exact same writing & phrasing in every response. I haven't been able to access my money or account for 3 months. I recently contacted Coinbase to try and get my money back & close my account & still no response from them. My money is held hostage by coinbase.I put in a complaint with the XXXX XXXX XXXX over 1 month ago so that they may respond & still nothing. Also, when I checked their XXXX account, there were several hundred people who stated Coinbase did the same thing to their account, some people have been locked out of their accounts cein 2019 & there's no response from Coinbase at all. I tried to look up their employees on XXXX, it states there are over 1000 employees so I'm not sure why no one is getting back to us. There is also no physical address or phone number for Coinbase. they're definitely running some type of scam, as i have no access to my money, i don't know how much is in there as I purchased multiple cryptocurrency. I'm about to close that bank account & need to get my money back from them ASAP. XXXX is no longer hosting personal accounts in the USA, so I need to close that account ASAP but i can't do that while my money is stuck in Coinbase. I have several emails to correspond with my complaint, please advise and help!
Consumer complaint received 2021-07-17
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. (MO)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2021-07-17
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. (TX)

Mixed file. My credit report is showing mixed with my brothers credit report. It is making huge impact on both of our credits. Can not purchase a home or get an auto due to this reason. Extremely frustrating. Transunion has done nothing to fix the issue.