davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-11
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I applied for a credit card from Capital One XXXX the Capital One XXXX XXXX online on XXXX/XXXX/15 and was instantly approved. On XXXX/XXXX/15 I received XXXX a letter in the mail ( dated XXXX ) saying that I had been approved for the card and, in a separate letter, the card. 

I called into activate the card and was then told that my card had been closed because of " fraud ''. They would not tell me what the reason is or give me any more details and after spending hours trying to find an answer was finally told by a supervisor that their fraud team had spoken to someone on XXXX/XXXX/15, and that the person told them he/she had not applied for the card. They would not give me any more details, such as who they allegedly contacted or why they called that person when I had n't even received or activated my card yet. Of course I was never contacted by Capital One, only gave my contact information in the application and did apply for the card. There was no fraud involved in my application and if they claim there is I believe I should be informed of the circumstances. Applying for the card affected my credit score and negatively impacts my ability to get credit generally. I applied for a card, was told I was approved for it ( and indeed received it ) and then had my account shut down without any explanation before I could even activate it. I feel misled as a consumer and am extremely upset by the lack of transparency by Capital One, especially in a potential fraud situation.
Consumer complaint received 2024-04-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/year> I PERSONALLY PURCHASED PRODUCTS FROM XXXXXXXX XXXX XXXX XXXX  XXXX, I USED MY DEBIT CARD TO MAKE THE PURCHASE, THE PRODUCTS WERE TO SHIPPED TO XXXX  XXXX XX/XX/year> I DECIDED TO CANCEL THE ORDER, BUT UNABLE TO SO BECAUSE THE STORE WAS CLOSE.RETURNED TO XXXX XXXX ON XXXX CALLING THE STORE NO RESPOND.I DECIDED TO SEND AN EMAIL REQUESTING THAT THE PRODUCT SHOULD NOT BE SHIPPED AND I AM CANCELING THE ORDER.STILL NO RESPOND.THEY SHIPPED THE ORDER TO XXXX, I NEVER RECIEVED THE ORDER AS OF TODAYS DATE.THE ORDER WAS DELIVERED BUT NOT IN MY POSSESSION THE PACKAGE WAS IN XXXX XXXX, NOT SURE HOW IT GOT THERE.I HAVE TRIED SEVERAL TIME WITH MY FINANCIAL INSITUTION AND WAS DENIED MY REFUND, I GAVE PROPER NOTIFICATION ON CANCALLATION, WHY I AM UNABLE TO RECIEVE MY REFUND FOR {$4700.00} .I HAVE NO PRODUCTS AND THEY HAVE MY FUNDS.THIS IS VERY UNFAIR.EVERY ONE HAS THE RIGHT TO CHANGE THEIR MIND AND I SHOULD NOT BE PUNISHED FOR FOR MY ACTION.COMPANY HAS THE PRODUCTS
Consumer complaint received 2022-01-20
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: United PanAm Financial Corp. (NY)

This correspondence is in regard to the application submitted by XXXX XXXX XXXX  and decisioned on XX/XX/2021 by UNITED AUTO CREDIT which an adverse action letter was received on XX/XX/2021. My social security card is a credit card and use of it without benefit to me is a violation. UNITED AUTO CREDIT is dangerously close to malfeasance. The adverse action offer is here by rejected, credit application is a financial asset ( 12 CFR 360.6 ( 2 ) ) as well as self-liquidating paper ( 17 CFR 260.11b-6 ) ). Said adverse action is in violation of the following : 15 U.S.C. 78j, 15 U.S.C 78ff, 15 U.S.C 1691 ( a ) ( 3 ), 18 U.S.C. 241, 18 U.S.C. 242. It is FACT, this complaint will serve as notice to correct all records regarding XXXX XXXX XXXX. It is FACT that UNITED AUTO CREDIT is engaged in trust actions and has fiduciary duties to uphold. I am willing to overlook the error if ALL records are corrected. Every contract, combination in the form of trust or otherwise, or conspiracy, in restraint of trade or commerce among the several States, or with foreign nations, is declared to be illegal.
Consumer complaint received 2015-03-26
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

This collection agency is trying to collect a debit from XX/XX/XXXX. I was a XXXX in college and did not get my first credit card until XX/XX/XXXX. It would have been very easy for a roommate or anyone else to get this info. I did n't keep it hidden I did n't think I needed to. Now they are trying to bill me for over XXXX that I never had the chance to use
Consumer complaint received 2021-03-26
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO. (ID)

The company name, XXXX XXXX XXXX its a robocall whom of which i have no idea what there calling for. They call almost everyday and its very inconvenient. And sometimes very disruptive. I believe they are calling for someone whom is deceased, and i can not help them with what they are calling for. I need them to please stop and lose my number, they are calling. Private home phone and being very disruptive. I personally dont do any business with chase,
Consumer complaint received 2024-05-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2023, Chase Bank closed my joint account with my boyfriend. At the time of closure, the total remaining balance across joint accounts was {$6400.00}. However, as of today, 170 days after the account closures, I still have {$2800.00} that haven't been returned yet. Despite numerous inquiries, Chase has not provided a clear reason for the closure or the prolonged withholding of the funds. The only response I have consistently received is that they are " investigating '' the situation. This delay and lack of communication are concerning, especially since I have not engaged in any activities that would breach the terms of the account or justify such an investigation. The prolonged investigation and the bank 's failure to provide updates or reasons for the hold on my funds lead me to suspect that the bank might be using my funds for purposes other than a simple investigation. I am seeking an immediate explanation for the account closures, a detailed update on the ongoing investigation, and the prompt return of the remaining balance of {$2800.00}
Consumer complaint received 2021-02-25
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. (OH)

Onor aroundXXXX I was applying for an apartment and discovered a few unknown accounts and inquiries on all3 credit reports ( TRANS UNION, XXXX XXXX ) these are all fraudulent accounts XXXX XXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX AUTOALLOFTHESE ARE FRAUDULENT. I have addresses showing on my credit XXXX XXXX XXXX XXXX, XXXX, OHXXXX.
Consumer complaint received 2015-05-13
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (OK)

On XXXX/XXXX/2015 on my Amazon Store had promotional balance pay off of XXXX. However the month prior had a promotional balance pay off of {$390.00}. but I paid XXXX a difference of {$90.00}. My regular purchase amount on this statement was {$200.00} which is being paid only if there is anything left over after the promotional balance. I had {$150.00} worth of promotion balance due for pay off on XXXX/XXXX/2015. Since I had the {$90.00} credit I paid {$70.00} on XXXX/XXXX/2015. Which left {$9.00} to be credited to anything upcoming promotional balances. On XXXX/XXXX/2015 I called in because there were errors on my account and I was credited a total of {$19.00}. My statement closes on the XXXX of every month and therefore the {$19.00} was not reflected on my XXXX/XXXX/2015 statement. And the {$9.00} was not applied to my account. Today I called in and asked for an explanation of why my payments are being missed applied. I was told that when I make a payment over the promotional pay off amount. The extra amount is applied throughout my account and not to the next expiring promotional balance. I have been told by the Supervisor XXXX that if I want my payment applied to my promotional balance I would have to call in every month and instruct them to do so. Of which I have not had to do in the past. Since Amazon is stating that my promotional of XXXX expired on XXXX/XXXX/2015 because I only made a {$70.00} payment on XXXX/XXXX/2015, but I had a credit of {$90.00} prior to the {$84.00} due on XXXX/XXXX/2015. Amazon is applying my payment as they please. Instead of paying off the next promotional balance they apply only minimum amounts to each open balance.
Consumer complaint received 2022-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

On my credit reports from all 3 main agencies Experian, XXXX, and XXXX shows incorrect addresses, incorrect name, along with inquiries on my credit that i did not authorize. I will provide the information that is true and correct and should be visible on my credit report all other information should be deleted immediately as this is causing me harm due to these items having a direct affect on my credit score.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/XXXX XXXX XXXX Balance : {$260.00} XXXX XXXX Balance : {$9.00} XXXX XXXX XXXXXXXX Balance : {$53.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$250.00} XXXX XXXX XXXXXXXX Balance : {$16000.00} XXXX XXXX Balance XXXX {$39.00} XXXX XXXX Balance : {$11.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$250.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX Balance : {$16000.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$720.00} XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-22
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 (NJ)

I had 2 purchases of a product using XXXX which was supported and paid for on my Capital One Credit Card. The items I purchased purportedly from a US company turned out to be from a XXXX company. The product was a cheap replica of the advertised merchanidise and no where near the what the advertisement claimed it was. When I complained to the merchant, they were very precise in their wording, stating that they shipped the product as instructed, that although it was exactly what was advertised it was very close and still offered some of the advertised benefits and that they offered to allow me to keep the product and give me a 50 % refund. 

I accepted on the smaller order but refused on the larger order as you will see in my uploads and stated that they needed to provide me with an RMA and prepaid return mail and 100 % of my money back. Capital One stated its VISA 's policy that there is nothing they can do becuase I was offered a partial refund and refused it. 

This was a scam by a XXXX company to sell something other than what was advertised. They even admitted it in an email and now both XXXX and Capital One Visa are telling me I am out {$290.00}. The name of the fraudulent company is XXXX XXXX and they are selling knock off XXXX XXXX ballistic helmets that are nothing more than cheap childrens plastic toys. these are supposed to be XXXX helmets - they are nothing of the sort.
Consumer complaint received 2015-04-22
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: DISCOVER BANK (NY)

Discover card lowered my credit line on or about XX/XX/XXXX without any notification, causing me to incur fees for rejection of automatic scheduled payment. On or about XX/XX/XXXX Discover had sent me an e-mail asking me for income information, which I supplied. I called Discover on XX/XX/XXXX when I learned of the credit line reduction and they claim to have mailed me a letter regarding the action, I have recived no such letter. I have had this card since XX/XX/XXXX with no late payments, missed payments, etc.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (ID)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX # XXXX UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-01-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (PA)

I see this COLLECTION on my credit ..i contact the credit and sumit a claim .XXXX XXXX delete but XXXXand XXXX not..i told before i have the same problem and i was in court they dischard and delete..because is fraud identy theft..
Consumer complaint received 2022-08-09
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. (PA)

XXXX, TransUnion and XXXX Credit bureaus are reporting false information in my credit file. More specifically several false inquiries. I have filed a report with the FTC and attached a copy hereto.
Consumer complaint received 2022-01-20
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. (VA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I am writing to express my extreme dissatisfaction and frustration with the lack of resolution regarding an ACH fraud claim filed on behalf of my business account with Bank of America. The fraudulent activity in question amounts to {$XXXX}, and despite XXXX days having passed since the initial report, there has been no progress towards resolving this matter. 

As a loyal customer of Bank of America, I expected prompt and efficient assistance in addressing this issue. However, the lack of urgency and apparent ineptitude of your customer service department have left me deeply disappointed. Despite my repeated attempts to seek updates on the status of my claim, I have received no concrete information or timeline for resolution.

Furthermore, I took the necessary step of filing a police report in connection with this fraudulent activity. However, even with this additional measure, there has been no discernible increase in urgency from Bank of America 's end.

I must emphasize that this situation is causing me significant financial and emotional distress. Not only have I been deprived of a substantial sum of money, but the apparent indifference and lack of action on the part of Bank of America have only exacerbated my frustration.
Consumer complaint received 2015-08-05
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

Per my recorded conversation with XXXX XXXX on XXXX XXXX, 2015, I accepted Citizens Bank 's offer on Case Numbers XXXX and XXXX, for a 10-year XXXX XXXX XXXX XXXX with XXXX Monitoring at no charge to me and also the offer to waive the {$620.00} processing fee on my current and only application with Citizens that I set up with XXXX XXXX, on XXXX XXXX, 2015. I followed up with a letter and email on XXXX XXXX, and have n't heard back on how to proceed. I sent a follow-up letter and email to XXXX XXXX, XXXX of XXXX on XXXX XXXX, 2015 with still no response. I 'm perplexed why XXXX has n't responded to my emails or letters and have n't honored their letter dated XXXX XXXX, 2015.
Consumer complaint received 2018-03-15
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. (IN)

I have sent two disputes to Equifax, most recent one being XX/XX/2018, regarding inaccurate name and address appearing on my credit report. I have never lived at that address nor gone by that name. I have been told that since name is attached to tradelines it can not be removed. I have contacted these tradelines and they do not have the name associated with my account so I have exhausted all avenues in regards to getting inaccurate name and address removed. The address and name does not belong to me. I have even provided a copy of my drivers license for verification and they still refuse to remove the inaccurate information. Just because it " appears '' on tradelines does not make it accurate. Below are the items that do not belong to me that they continue to report illegally : Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, IN XXXX
Consumer complaint received 2016-04-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (SC)

The CFB has concluded an investigation with XXXX XXXX XXXX XXXX XXXX which they state that their reporting is correct, which it is n't. The supporting document was taken from my credit report on XXXX/XXXX/16 which clearly shows the account to be open with a 106 % utilization ratio, which is a major determinate in XXXX scoring. I am not disputing the bankruptcy but the fact they show the account as open, which it is not.
Consumer complaint received 2016-03-09
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (SC)

Several years ago, I went to purchase a car. When the finance department tried to pull my credit from Equifax , they told me that I " had no credit. '' Upon further investigation, Equifax discovered that the last number of my Social Security ( SSN ) number was off by one digit. I sent the requested information to Equifax to have my SSN corrected and thought the problem had been resolved. I went to purchase another car recently and encountered the exact same issue with Equifax. I researched and found out that although my SSN had been corrected, my birth date was incorrect. Using the information I had sent them previously, they were able to confirm and update my birthdate. At this point, all my information should be correct. The problem is that Equifax informed me that they will not add any past credit information onto my file even though I 've had credit and a score for several years based upon XXXX and XXXX XXXX credit reports. I asked to speak to a supervisor who also informed me that there was nothing they could do to add my past credit history and that I would technically " have to start over '' with Equifax ( even though it was not my error ). I attempted to obtain the name of the supervisor I spoke with ; however, they were unable to provide me with that information. I also went to see a financial counselor at my base and she was not able to retrieve my Equifax report either.
Consumer complaint received 2024-02-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (PA)

On XX/XX/24 Mohela contacted me and told me I would be receiving a new servicer for my student loan. I transferred to another school and they then delayed the transition to the new servicer, for no reason and waited until a new loan was disbursed then sent me another letter that they refused to properly transition my account. They sent me misleading and inaccurate information.