davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-19
Product: Credit card — Store credit 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 (MI)

XX/XX/XXXX - {$1600.00} XX/XX/XXXX - {$2700.00} XX/XX/XXXX - {$4300.00} XX/XX/XXXX - {$6200.00} We purchased furniture through Pottery Barn and the Capital One Program. Pottery Barn delivered damaged and missing furniture, as well as damaged our yard and walls with their truck on delivery. We have photos and videos showing the damage, they way the employees treated our items as well as the lack of correspondence from Pottery Barn and Capital One. 

We have received denial letters from Pottery Barns 3rd party associates in which we did not hire, denying they damage to our yard, wall and making multiple claims in which photos and documentation can be proved false. 

Upon making a request to share these documents with Capital One we have been declined to do so. So much that we had to record the call in order to prove that they were not allowing our documentation to be seen or heard. 

During the last phone call they let us know we were being recorded, we let them know they were as well. They said we are not allowed to record them, thus we asked that they did not record us and they stated that wasn't an option. We have requested the ability to upload documentation multiple times for the claim and have been denied. 

After spending thousands of dollars, broken furniture, missing furniture and damage to our home we are being treated no better by Capital One than Pottery Barn did.
Consumer complaint received 2024-02-19
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC. (TX)

On XX/XX/XXXX I completed a stock shoot with XXXX XXXX XXXX XXXX in which I received a {$500.00} check as payment. In an effort to diversify my savings accounts, I opened a high yield savings account with Ally Bank to deposit the check. I submitted the check via mobile deposit. 

After logging in a few times, my account was locked. I called Ally Bank and they claimed the check I submitted was fraud and that they closed my bank account. They notified me that the funds would be sent to me via check to the address attached to my account. Although I knew the check was not fraudulent, I knew there was nothing I could do to get my account reinstated. Months passed and I never received any correspondence from Ally nor a check in the mail. 

On XXXX XXXX, XXXX XXXX, the owner of XXXX XXXX XXXX XXXX, notified me that the check was, in fact, posted ( see attachments ) on XX/XX/XXXX. I immediately called Ally Bank to see where the {$500.00} deposit went to which they claimed that the funds were never deposited and the check was never accepted. I asked for a claim number and follow up. They gave me the claim number XXXX. 

A week later, after receiving no word of my dispute, I called to follow up yet again. I was notified that the check was never posted and that the account was closed. I never received details about the investigation or an answer as to why the check was showing as posted from XXXX XXXX XXXX XXXX 's when Ally Bank claimed the check was never posted.
Consumer complaint received 2024-02-20
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Credit denial
Company: Mercedes Benz Financial Services (FL)

On XX/XX/XXXX, Ive received correspondence from Mercedes Benz Financial, ( see attachment below ). Notice of Violations I am claiming violations of 15 U.S.Code Subchapter IV 1691 EQUAL CREDIT OPPORTUNITY 1691 ( a ) scope of prohibition and what Im entitled to per my rights via discrimination 1691e ( civil liability ) for taking adverse action with my as said application. 15 U.S.Code Chapter 41 Consumer Credit Protection Penalties to Mercedes & Bureau Of Consumer Protection 1691 ( a ) rules of construction 1691 ( d ) consumer Report Exclusions subject to 1681 s-3 Nondisclosures WiTHOUT MY CONSENT Ive applied in good faith, which I have the full faith and credit by the United States . Please reverse the denial and refusal to provide full extension of credit requested. These are all violations of Public Law 73, Privacy Act of 1974. 

On XX/XX/XXXX CFPB responded to complaint # XXXX expressing to reach to you directly regarding these violations. 

Potential fraud STATUS Company responded there may be potential fraud involved on XX/XX/XXXX We reviewed the complaint you submitted and sent it to the company for a response. The company responded that you may have been a victim of fraud.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (NV)

On XX/XX/XXXX, XX/XX/XXXX and XX/XX/2024 I saw 7 hard inquiries on my credit I didnt authorize. I was scammed by XXXX XXXX also known as XXXXXXXX XXXX XXXX on XXXX XXXX XXXX XXXX, Ohio XXXX. I met a man name XXXX on XXXX that said he worked for the XXXX XXXX XXXX dealership. I told him I was going through XXXXXXXX XXXX my bank and he told me he wanted to just see what amount I would get pre approved for without running my credit. He said I would get a call from someone to verify I took my fraud alert off. He said it would just be a soft inquiry, so I remove the fraud alert temporarily to find out he misused and took advantage of me and ran my name with multiple people I didnt agree to. The car place XXXX XXXX XXXX said its not they problem take it up with XXXX but they appear on my credit illegally as well and I told them I never spoke to them to authorize this.
Consumer complaint received 2024-02-21
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (FL)

After I paid off my entire Balance, not just the statement balance, but the entire balance, Chase still charged me interest saying I owed it on previous purchases. I had no understanding that this was how this worked at all. They are refusing to help me at all resolve this. I made my payment early, and paid off the entire credit card, down to zero. 

In the past Chase has happily refunded me any interest charged after I had paid my balance to zero. The representative also lied to me and said they never refund, when they have in the past. In the past it was also never explained to me that this charge was this daily interest that Chase must charge their customers on their credit cards. I have actually never even seen this happen before outside of Chase. It is extremely deceptive practices.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (OK)

XXXX XXXX XXXX XXXX XXXX. I was a joint applicant on this account. They sent a debt settlement to my daughter ( primary account holder ) in the amount of {$1000.00} dollars and stated that they would accept the amount in 6 installments, and once the amount was paid they would delete the account from her credit report and my credit report, 30 days after the last payment was made. They did not do what they stated and they reported the account late for for 6 months and then reported as a charge off and XXXXXXXX XXXX and states the amount owed is {$1300.00}. This improper reporting has stopped me and my husband from receiving a new mortgage loan. My daughter and I have both spoke with agent from XXXX XXXX and they continue to refuse to delete from our credit report. 

Capital One keeps reporting a late payment in XX/XX/2023 and during that time I was returning to work after having XXXX. They refuse to remove the 1 late payment. 

The same thing with XXXXXXXX XXXX, they continue to report a late payment in XX/XX/2023 and at that time I was out with XXXX. I spoke with an agent and they stated that they would remove the late payments, but they have yet to remove them XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oklahoma XXXX XXXX last 4 of SSN-XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX Last 4 of SSN- XXXX
Consumer complaint received 2020-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (TX)

I sent the dispute through the credit agencies. XXXX changed it but the others have not. JPMorgan Chase private student loan was charged off. Then they forgave the entire amount sent me a 1099M for XXXX and I claimed it on my Taxes in XXXX of XXXX. 

Its still currently showing up on my credit report as charged off in XXXX.
Consumer complaint received 2024-02-21
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC (TN)

This is as old as XXXX and it was settled after my son was XXXX and everything was returned to them. JEFFERSON CAPITAL SYSTEM XXXX {$2600.00} - - -No Data Account Information Address XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Open Account Loan Type FACTORING COMPANY ACCOUNT Date Updated XX/XX/XXXX High Balance {$2600.00} Original Creditor XXXX Past Due {$2600.00} Pay Status >Collection< Estimated month and year this item will be removed XX/XX/XXXX
Consumer complaint received 2024-02-20
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Credit denial
Company: Mercedes Benz Financial Services (FL)

Notice of Dispute : Adverse Action I demand your company reconsiders this matter which complies with Federal Law, please open the account which I have extended credit and correct any adverse action taken upon my credit report, l take my consumer reporting matters seriously and would appreciate this matter being resolved promptly. Failure to address this dispute improperly may lead to further legal action Thank you for the immediate access to this matter, I expect a timely response and resolution. 

Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-16
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/year> I had a payment set up to payoff the balance of my credit card in full in the amount of {$1000.00}. I have autopay setup on this account to make the {$25.00} minimum payment as a safeguard against late fees should I happen to forget XXXX month. Therefore, this payment was to be the minimum auto payment of {$25.00} plus {$1000.00} to complete the full payment. Somehow, my {$25.00} auto pay was cancelled which resulted in the full balance payoff being short {$25.00}. I dont know how it got cancelled as I was always select the full statement balance when paying online which prompts the customer to either cancel the minimum payment or pay it in addition to the full balance. Typically, Ill cancel as to not overpay. I wouldve had to manually type in the {$1000.00} on my end to make this payment, so I highly doubt this was my error. Regardless, this resulted in an interest charge of {$6.00} on my next statement. I called to explain the situation, but was told theres nothing that can be done. While I wasnt pleased, I accepted the {$6.00} and moved on. 
The following month on XX/XX/XXXX, I one again paid my balance in full and this time did NOT cancel my {$25.00} auto pay just as a precaution given what happened the previous month. This resulted in me overpaying by {$25.00}. My statement balance was {$920.00} and I wound up paying {$940.00}. When I received my new statement I was shocked to see yet another interest charge of now {$14.00}. 
I called to explain the situation which I had to do a few times, but the customer service representative was unwilling to help and would not let me talk to a supervisor. Simply put there was nothing they were willing to help and I believe never fully understood the issue, a truly frustrating experience. Bottom line because my XXXX payment was incorrectly {$25.00} short, Ive now been charge a total of {$20.00} in interest the past XXXX months which is absolutely ridiculous.
Consumer complaint received 2024-02-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Medical Data Systems, Inc. (IN)

My name is XXXX XXXX, and I am writing to bring to your attention a matter of utmost importance regarding my credit report. I recently discovered a collection account on my report allegedly associated with MEDICAL DATA SYSTEMS INC, which they claim to have acquired from XXXX XXXX. 

Firstly, let me express my appreciation for the critical role your agency plays in maintaining the accuracy of consumer credit reports. I understand the complexity of the task at hand and commend your efforts in navigating the intricate landscape of credit reporting. 

Now, let 's dive into the heart of the matter. It has come to my attention that there exists a collection account on my report with MEDICAL DATA SYSTEMS INC. I must vehemently assert that I have never entered into any contractual agreement with MEDICAL DATA SYSTEMS INC, and to the best of my knowledge, no such relationship has ever existed. 

This raises a flag concerning the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( b ), which requires a debt collector to provide validation of the debt and the existence of any agreement. As of now, no such validation has been presented, highlighting a potential violation of the FDCPA.

In addition, I'd like to draw your attention to the relevant legal provisions : Truth in Lending Act ( TILA ) - Section 1026.18 : The alleged debt 's creation and transfer without my knowledge may contravene TILA, which mandates transparent disclosure of credit terms.

Fair Credit Reporting Act ( FCRA ) - Section 1681s-2 ( b ) : The inclusion of inaccurate information on my credit report could be a violation of FCRA, emphasizing the need for accurate reporting.

Fair Debt Collection Practices Act ( FDCPA ) - Section 809 ( b ) : As previously mentioned, the absence of a contractual relationship raises concerns under FDCPA.

Uniform Commercial Code ( UCC ) - Section 3-406 : Unauthorized transactions, as suggested by the absence of a valid contract, may be subject to UCC provisions XXXX 

In light of these legal considerations, I kindly request a comprehensive investigation into this matter. Furthermore, I urge the removal of the fraudulent collection account from my credit report, as it stands in stark contradiction to the legal and ethical standards set forth by the aforementioned Acts. 

I appreciate your attention to this dispute and look forward to a prompt resolution. Your commitment to fairness and accuracy in credit reporting is crucial, and I am confident that your thorough investigation will rectify this discrepancy. 

Thank you for your time and consideration.
Consumer complaint received 2024-02-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have repeatedly requested a forbearance from Bank of America, and they have made multiple mistakes on my mortgage loan and forbearance process. On the first occasion they entered the wrong date, which had to be corrected after my complaints because the date error made me ineligible for forbearance. The second occasion the sent me the wrong paperwork. On the third occasion, they sent me the wrong paperwork again, and when I called them about it today, they were still entering the wrong program for my mortgage revision even after Ive contacted them multiple times to correct this. I fear that Bank of Americas repeated errors are going to cause my home to go into foreclosure. Every interaction Ive had with Bank of America during this process has revealed errors and incompetence in resolving my issue. I feel that I need protection from being forced or tricked into a foreclosure.
Consumer complaint received 2024-02-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Patient Accounting Service Center (AZ)

ARstrat LLC, has obtained my nonpublic personal information as a result of material misrepresentation, fraud and identity theft pursuant to 15 USC 1681a ( q ) ( 3 ) and Ariz. Rev. Stat 13-2008 ( A ). ARstrat LLC, is in unlawful possession of the consumers private financial information and have used and shared it with third parties which include but may not be limited to consumer reporting agencies without authorization.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy to 15 USC 1681b 2. Company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 4
Consumer complaint received 2024-02-15
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: U.S. BANCORP (FL)

I have spoken to XXXX to XXXX customer service reps from US BANK who have given me the wrong information causing a delay in programs that I should qualify for. The employees of US BANK are not on the same page. They have given me the runaround. They are making mistakes when placing notes on my XXXX loans making it difficult for other customer agents to help me. US BANK is handling my issues carelessly. My credit report states wrong information which looks bad. And now on my credit report, it states Forecloser, deed leu which I don't know what that means. I XXXX kids and trying to keep my house. Also, I have been making payments like they said and now I can't. This is an urgent matter. Please review the call long for quality insurance so you can hear what was said. today is XX/XX/2024 they say the system has issues. I need help
Consumer complaint received 2024-02-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Bank of America gave my visa debit card information to a company without my consent. In XX/XX/XXXX I subscribed to a XXXX  service. I used the service once and forgot about the service. In XXXX and XX/XX/XXXX the debit card I used to subscribed to this service was compromised and I was issued a new card. I still had forgotten about this service till today when logining into my online banking with Bank Of America I found a {$100.00} charge from this company. In my online banking account there was a link where I could click and it would take me right to the companies website. Upon checking transaction history with this company I found out this company had tried to charge my old debit card which declined but then charged my new debit card. I never updated my debit card information with the company so I contacted their customer service asking how they got my new debit card information? The company informed me that the bank gave it to them. I immediately contacted Bank Of America. I was not happy. I got really upset when Bank Of America basically passed the buck and stated they did not release my information but that visa did. But this is a visa debit card provided by Bank Of America. I requested my money back but was told in order to do that I had to dispute the charge as if the other company fraudulently used the information and a block would be put on my debit card and a new one issued. The issue was not the other company it was Bank of American releasing my debit card info to this company without my consent so I took issue with blocking and giving me a new card just to get my money back. I was very upset and frankly not nice to Bank of America customer service. I spent 45 minutes on the phone with them with no resolution. I ended up hanging up on them. I reconnected with customer service with XXXX XXXX and was informed that this was a common issue and that the bank considers it a perk for the customer. The genealogy agreed to refund my account no questions asked. I am filing this report because I take issue with Bank Of America giving a company my card information for a subscription renewal. Typically if a card is declined it should be up to the customer to give the company the updated information not the bank. Bank of America says they would not do that but I have copies of my conversation with the XXXX company and the transaction history. I have been a customer with Bank Of America since at least XXXX. {$100.00} may seem insignificant to Bank Of America but it's not for me. I no longer trust them to store my money and adequately protect my financial interests.
Consumer complaint received 2024-02-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

On XX/XX/2023 I attempted to send money to my Capital 1 account from my XXXX XXXX account. I also had my husband attempt to XXXX XXXX and even my daughter and it led to my checking account being flagged. I then called and verified all transactions in and out of the account in the last few days. My account was never unblocked they instantly closed my account and after numerous calls from the time my account was flagged they refused to give me a reason and also said they wanted to end the relationship with me but the had to hold my funds for 90 days. This is theft. They are holding my money for their benefit and i need to be compensated for this reason alone.
Consumer complaint received 2018-06-04
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: Midwest Recovery Systems (TX)

sent police report and ftc taking more than 30 days cra violations Not mine inquires XXXX XXXX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX/XXXX   XX/XX/XXXX XX/XX/XXXX Complete Department Stores XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX   XX/XX/XXXX XX/XX/XXXX Personal Loan Companies XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Personal Loan Companies XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX ( XXXX ) XXXX
Consumer complaint received 2016-08-19
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (ID)

Wells Fargo continues to discriminate against me. They have destroyed my life for 2 years and the CFPB will not help. Please keep my case open until Wells Fargo admits the truth. The CFPB needs to help me communicate to Wells Fargo so they understand the devastation they are creating. What documents do I need to submit to prove Wells Fargo is breaking the law? The CFPB needs to give me more guidance. Wells Fargo still has no email XXXX accommodation available for me to contact if I have questions, see attached letters dated XX/XX/2016 from both Wells Fargo Home Mortgage and Wells Fargo Home Equity. I am telling the truth, please help me CFPB.