davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-02
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

Capital One blocked my credit card because I redeemed miles on the account. To verify the account they demand ID, front and back, Social security card front and back and a utility bill. I consider these demands for verification onerous and absurd. They will " unblock the account '' after 72 hours! No other bank engages in such demands.
Consumer complaint received 2019-12-06
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: VW Credit, Inc (VA)

Leased a vehicle at an Audi Dealer in XXXX, VA ( XXXX County ) with Audi Financial Services ( AFS ). At the end of the lease ( XX/XX/2019 ) the car was returned with no damage and significantly under the lease mileage. Dealer accepted the return and told us there was no other charges, our lease is over and the vehicle was accepted. Six weeks later we received a {$350.00} lease termination fee from AFS, which was in the contract but we assumed was waived. The bill was marked as a lease termination. We paid the {$350.00}. Over 6 months after lease end ( XXXX ) we received a bill from Audi Financial Services for {$320.00} marked personal property tax ( attached ). After several calls we got through to someone who could answer a question about the charge. The AFS agent told us that it was a bill for 12 months of personal property tax ( all of 2019 ), despite the fact that Audi had the car since XX/XX/2019. He said that they may be able to prorate it if we wired them the money ; however, they would not provide a revised invoice or detailed explanation for the {$320.00}. Per the agent they are passing on the amount of full 2019 personal property tax bill to us. Personal property tax was billed by XXXX County to AFS as the vehicle owner. They explained we could get " money back '' from XXXX County and asked us to contact XXXX County, despite the fact that we didn't own the vehicle nor get tax bills from XXXX. Our AFS account no longer showed our detailed payment history since our account " was closed '' at the end of the lease per the agent. We requested additional detailed payment history ( attached, but not very detailed ). We escalated the call to a manager and they refused to provide a new invoice nor waive the fee. They threatened to send us to collections instead of sending us an invoice for the prorated personal property tax fee. We checked our historical records and determined we payed AFS for prior 3 years of personal property during the lease ; however, this {$320.00} was for the entire 4th year. AFS appears to be systematically overcharging XXXX County Residents by passing through taxes without proration. We contacted Audi XXXX support and over the course of several weeks they attempted to get resolution via the dealer network. Audi XXXX was unable to waive the charge, claiming Audi is different company from AFS. Audi didn't stand behind their lease.
Consumer complaint received 2016-11-22
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I filed my chapter XXXX petition bankruptcy on XXXX/XXXX/16 and XXXX, collecting for a capital one credit card bill that was included in my BK filing, reported a collection account on the same exact debt on XXXX/XXXX/16, one month after filing. i called XXXX to tell them of the filing and spoke to XXXX supervisors who basically told me " too bad '' and they are not inclined to help me.
Consumer complaint received 2022-11-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NH)

I had to file a series of disputes with Venmo for transfers that were done, taking money out of my Venmo account and transferring them to debit cards that were attached to accounts that were not mine. Venmo ended up, not wanting to deal with handling the dispute so they decided to shut down my Venmo account. I explained to them that they still had to allow me to file my dispute and reimburse me the funds for anything that was deemed to be unauthorized. They are telling me now that I am no longer a Venmo customer. They say I have no right to dispute transactions from my account that was just recently closed a couple of days ago. Apparently Venmo thinks that if an account is closed, fraudulent transactions dont need to be addressed. They just want to wash their hands of it and move on. But unfortunately, like most Americans, I live paycheck to paycheck. I can not just move on from the money that was taken from me. Those transfers should not have been allowed. I would like my disputes treated just the same as if they were a dispute coming from any other customer whose account was still open. That is my right. Not doing so, is discriminatory.
Consumer complaint received 2021-12-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates (IL)

On XX/XX/21, I pulled a copy of my credit report. I noticed there was collection on there from LJ Ross Associates. It's a collection for a XXXX XXXX bill, which I never opened or gave permission to use my personal credentials. The collection was reported XX/XX/21 without any notification. The amount is for {$410.00}. I'm asking that this account be removed immediately as this is fraudulent!
Consumer complaint received 2016-08-09
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

XXXX XXXX called and spoke to my husband on XXXX XXXX 2016. They disclosed all the information about my debt with him. I have never given XXXX XXXX permission to disclose information to my husband. My husband also does not have a power of attorney. For them to do this it is a violation of the law.
Consumer complaint received 2022-11-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CT)

Issues since my loan was sold over 10 years ago. My interest was never corrected when Navient took over my loan. In XXXX, I was some what successful with a minor correction. Though still not right. Since then they have changed my repayment terms twice without consent. I repeated asked for research to have the account reset. Last time was XX/XX/XXXX. Still nothing received. They refused to send me my full promissory note. I have asked 3 times. XX/XX/XXXX, only received XXXX pages not full note. I asked in XXXX. Still did not receive. Asked again today, as my loan was just reset again. They are beyond shady and I cant get the information I need. I have not consented to any of these changes. I cant get answers and its beyond odd that they can continuously reset my loan.
Consumer complaint received 2022-11-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (AZ)

I was approved for the Barclays AAdvantage Aviator XXXX XXXX XXXX Mastercard credit card on XX/XX/2022. At the time of approval there was a welcome offer for XXXX  bonus points after spending {$2000.00} within 90 days. The terms state " The bonus miles will be reflected on the billing statement in which you have qualified to earn the bonus. '' I met the {$2000.00} minimum spend requirement on XX/XX/2022. My billing statement closed on XX/XX/2022 and no bonus miles were awarded. I confirmed with Barclays via Secure Message on XX/XX/2022 that I met the minimum spend and I was owed XXXX bonus points. They assured me that I have met the requirements and the bonus points would be reflected " on the billing statement in which you have qualified to earn the bonus '' which was clearly not the case.
Consumer complaint received 2021-12-15
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 have reviewed my consumer report and find that XXXX funding is still reporting after a cease and desist letter was sent to them on XX/XX/2021. The letter specifies no third party communication. Not only that, the account was deleted and reinserted without notice to me the consumer in writing under 15 USC 1681i ( B ) ( ii ). They also have not given me the right to validate the alleged debt by sending an audit trail for validation.
Consumer complaint received 2016-04-20
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BMW Financial Services NA, LLC (NJ)

HI I TRADED IN A VECHILE 2 YEARS AGO TO XXXX XXXX IN XXXX NEW JERSEY. COMPANY NEVER PAID THE LOAN OFF ON THE VECHILE. IVE BEEN PAYING IT FOR A YEAR AND HALF AND UNABLE TO PAY ANYMORE. THE DEALERSHIP SOLD THE CAR TO ANOTHER PERSON AND REMOVED THE LEIN OFF THE TITLE AND MYSELF AS TITLE OWNER. I FILED A POLICE REPORT WITH THE POLICE DEPARTMENT IN NEW JERSEY. THE VECHILE WAS NEW YORK STATE TITLED WHEN I WAS LIVING IN NEW YORK. THE BANK HAD NOTIFICATION FROM THE DEALERSHIP THAT THE VECHILE WAS TRADED IN, I EVEN HAD PAPERWORK OF THE TRADE IN WHEN IT TOOK PLACE. THE DEALER I BROUGHT THE CAR FROM WAS LOCATED XXXX XXXX XXXX, SALE PERSON XXXX XXXX WHO IS UNDER INVESTIGATION FOR A XXXX DOLLARS IN LOAN FRAUD. ITS NOBODY TO CONTACT BECAUSE I WASNT THE FIRST VICTIM. I HAVE NOTHING DELINQUENT ON MY CREDIT REPORT AND LOOKING FOR A RESOLUTION. THE BANK BMW FINANCIAL SENT ME A POWER OF ATTORNEY TO GET THE TITLE BACK IN MY NAME. I ALSO ASK THEM TO HELP ME PUT OUT A REPOSSESSION ON THE CAR TO GET THE CAR BACK. THEY SAID THERE IS NOTHING THEY CAN DO. I NEED HELP BECAUSE I HAVE KIDS AND CANT GET MY CREDIT RUINED.
Consumer complaint received 2016-10-25
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (AZ)

I pay all XXXX/medical issues through insurance. My grandson calls about ANY bills throughout the years if anyone had any issues collecting information for insurance. He recalls no attempt for an XXXX other than XXXX time he said he called the company and they said it 's fine because they " called the XXXX and got her insurance information there. '' Yet somehow I now have a debt collector contacting me. The XXXX company XXXX XXXX XXXX XXXX XXXX and the Credence collector bill says they have Insurance Specialists waiting to help with taking my insurance. My grandson called and found out there is a 1 year common " timely filing limit '' and it 's been since 2014 that the incident occurred. So the collections has trapped me to pay cash. I received no phone calls, my grandson said the first number they gave for my info was wrong. I am XXXX years and getting help writing this, I have n't had insurance not pay my whole life. This is not fair.
Consumer complaint received 2022-11-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (MA)

I have open an account with Citi Bank in XX/XX/2022 and funded with {$75000.00} via ACH transfer from my XXXX bank checking account in early XXXX. On XX/XX/2022, I initiated a transfer from Citi into my brokerage in the amount of {$50000.00}. The transfer was revered by Citi and the account got frozen. I contacted Citi and confirmed the activity, and my account was removed from " hold '' within XXXX XXXX. I successfully transferred out $ XXXX into another checking account. I initiated the same {$50000.00} transfer on XX/XX/XXXX. My transfer got blocked by Citi on XX/XX/XXXX again, and I lost access to my online banking. After contacting Citi fraud department on XX/XX/XXXX, I was told that my account for closed by Citi, and I may or may not receive my funds in the checking account of {$50000.00} by a check via mail. I did not receive any reason for this action, the bank did not have any explanation for the closure of my account. My funds of {$50000.00} have disappeared without any answers. Lastly, I opened a Citi account through a promotional offer and have kept my funds for 90 days, fulfilling all the requirements of promotion from Citi to receive a {$1000.00} bonus. No bonus was granted and my own funds have disappeared.
Consumer complaint received 2022-02-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

My name is XXXX XXXX and I am submitting this complaint without any influence from any third party or agency. Please see attached information it has my full complaint and proof and evidence that I have been discrinimated against.
Consumer complaint received 2016-04-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I am a victim of identity theft and some stole my identity and used my personal information to apply and open up the following unauthorized and fraudulent accounts accounts that are not my accounts : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX , XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, US Department of Education, XXXX, XXXX XXXX XXXX. I filed a police report with the XXXX XXXX Police Department. The police report case number is : XXXX
Consumer complaint received 2022-11-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Synovus Bank (AK)

First Progress repeatedly mishandled my payments, which were mailed directly from my bank to their address on the statements. They marked me as delinquent for XXXX and XX/XX/XXXX, as well as XX/XX/XXXX, even though I sent payments for all these periods and mailed in proof of these payments. This has severely hurt my credit and I want it to be fixed.
Consumer complaint received 2022-11-15
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: LEXISNEXIS (WI)

In XXXX of 2022 I started a dispute with lexus nexus to let them know they were not reporting the correct information on my credit report file regarding my bankruptcies. They reported back that the information was accurate back in XXXX. I then filed another dispute in XXXX and also included letters from the XXXX bankruptcy XXXX and also XXXX. I have since been told that my account is still under review with no updates. Only being told that someone will give me a call, or I'm placed on hold for over an hour with no help. I have letters from the companies stating that they do not give out personal information so I'm trying to figure out what's the hold up with updating my account. I know I'm past the XXXX day wait time so I'm looking for help.
Consumer complaint received 2016-09-12
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: WELLS FARGO & COMPANY (NY)

My loan was purchased by Wells Fargo from my original lender with whom I had been in good standing. Wells Fargo changed the terms of the loan, unbeknownst to me, to compound interest daily. They refused to allow me to pay any more than the minimum payment unless I opened an account with them which I flatly refused.
Consumer complaint received 2022-11-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Texas Guaranteed (TX)

When the initial federal student loan pause was commenced i continued to make voluntary payments until around XXXX of 2021 when I was made aware that i did not have to make the payments and in fact could receive a refund for the voluntary payments i had made since the pause had began. The refund amount was sent for {$1700.00}. My Loan servicer, Trellis company, sent out the refund check and it was lost in the mail. The loan servicer required 90 days to elapse before a new check can be issued. After the 90 day wait time a new check was issued however this check was intercepted and fraudulently cashed.On XX/XX/2021 I cooperated with the loan services providing an affidavit that was notarized indicating that I am willing to press charges to the fullest extent of the law against whomever fraudulently cashed my check as well that i was not involved. This process with trellis was initiated almost a year ago approximately. I spoke to Manager XXXX XXXX and his supervisor XXXX and explained my situation. XXXX advised me that i need to contact Trellis company 's bank, XXXX XXXX  for additional information. I did reach XXXX XXXX ( relationship manager at XXXX XXXX  ) I again explained the situation and was advised that now XXXX XXXX XXXX  ( where the funds were fraudulently cashed ) is causing the delay in the fraud investigation. Again it has been over a year with no response from XXXX XXXX  or XXXX XXXX XXXX I have maintained communication with both frost bank and trellis company throughout this process via email and telephone calls leaving voicemails and never hearing back. Trellis company contact number XXXX XXXX bank relationship manager XXXX XXXX XXXX XXXX I dont have information for the XXXX XXXX loss preventention department. i also further believe that my loans were rehabilitated and then due to internal errors between dept of ed and loan services was then back in default. If you review the loan history you can see a history of payments so the fact that the account was rehabilitated and then went right back into default was news to me. I believed that my loans wer not in default since the had gone through the rehab process.
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is my six attempt to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXX XXXX Date Opened : XX/XX/2019 Balance : {$11000.00}, XXXX XXXX Date Opened : XX/XX/2019 Balance : {$3700.00}, XXXX XXXX Date Opened : XX/XX/2019 Balance : {$5000.00}, XXXX XXXX Date Opened : XX/XX/2019 Balance : {$7900.00}, XXXX XXXX Date Opened XXXX XX/XX/2019 Balance : {$7600.00}, and XXXX XXXX Date Opened : XX/XX/2019 Balance : {$11000.00}. 

Again, the accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft.
Consumer complaint received 2021-12-15
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (OK)

Received a letter from a company named Jefferson Capital Systems LLC claiming that I owed just under {$150.00} for an unpaid cell phone bill from XXXX XXXX When I contacted the company to inquire about the debt, I was transferred to a call center in XXXX who gave told me that they were going to report the debt to the credit agencies if I did not pay them the debt immediately. Since I had not had any cellular service with XXXXXXXX XXXXr since XXXX, nor had the company ever attempted to contact me in any way claiming that I had an unpaid balance, I was obviously very skeptical. Knowing that this was likely a scam at this point, I then contacted XXXX XXXX directly to inquire if they had any record of any outstanding balance due on my old account. They pulled my old account data and confirmed that there was no balance due, nor did they report any debt to any collection agency. When I contacted Jefferson Capital Systems back and confirmed to them that XXXX XXXX informed me that there was no debt nor had they been hired to collect such debt, the representative became very hostile before stating that they would just " forgive '' the debt. It appears very likely that this outfit has somehow obtained a list of XXXX XXXX 's old customers and is attempting to scam them out of small amounts which would be similar to that of an XXXX so that the victim doesn't ask any questions or contact the company to verify the debt. I guess we can add this to the endless number of debt collection scams out there predating on hard-working Americans.
Consumer complaint received 2015-08-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation (VA)

I have held a mortgage with PHH Mortgage and its predecessors for the past XXXX years. I refinanced with them XXXX years ago for the same property. Since then, they have instituted aggressive collections calls when my mortgage is not even overdue. I have never paid this mortgage XXXX days late nor have I paid a late fee for being past the grace period. I do n't understand then why they call daily from their collections department every month if I do n't pay exactly on the XXXX. It usually starts with robocalls on the XXXX. And I do n't want to pay them until my tenants ' rents are paid. Their XXXX outsourced call center is incompetent as well. I told them to not call me but they said they would continue to do so. And they call cell and home multiple times. They told me they want me to sign up for automatic withdrawal or they will keep calling. Well, I do n't trust them with my checking account. They have n't proven to be trustworthy. I see no basis for calls when the bill is not overdue. I always pay by the XXXX. Usually the XXXX. I have another mortgage with the same company, and they never call me regardless of when I pay. This second XXXX was n't refinanced and is the original loan. They are both on the same servicing website XXXX It makes no sense and is very offensive. Please help until I can refinance and dump them. The actual loan rate is fine. It is just their utter disrespect and incompetence I ca n't stand. Since when does a company start collections on someone every month and insult someone who chose to keep them when they refinanced? Had I known, I would have found someone else.