davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

My husband and I opened new joint checking and savings accounts with Capital One between XX/XX/XXXX and XXXX XXXX. Over the next month, we began transferring our funds from our other banks ( XXXX, XXXX, XXXX ) to Capital One ; the sum of those transfers was appx. {$15000.00}. 

After our wedding in early XXXX, we virtually deposited multiple checks we received as wedding gifts totaling ~ $ XXXX without issue. Over the next few days, we received email confirmation that the checks had been successfully processed. 

On XX/XX/2023, we received an email stating " We're restricting your Capital One 360 account ( s ) until we can verify your recent account activity ... Based on the results of our review, your account ( s ) may be closed and your balanceplus all interest earnedwill be transferred to your externally linked checking account. If you don't have an externally linked checking account or if the account linked is no longer open, a check will be mailed within 7-10 business days to the address on file. '' We spoke with a customer service representative that day ( XX/XX/XXXX ) who told us our account had already been closed but we were not told why. Over the next month we called multiple times and left at least 2 voicemails at the number sent via email email but did not receive callbacks. We received a letter from Capital One around XX/XX/XXXX stating that one of the checks we attempted to deposit was flagged as " altered or fictitious '' so we assumed this was why our account was closed. ( We did not alter the check and have the original check still, which appears to us as normal. We also contacted the person who gave us the check who said it was flagged by their bank as well and they were unsure why. ) However, we have still not received further communication or our money back from Capital One. 

Today ( XX/XX/XXXX ), we messaged Capital One customer service at XXXX and got ahold of a representative who gave us a direct service line. The person we spoke to told us that our account had been closed but did not state a reason but that we would not get access to our money until our account had been investigated. She told us that an investigator had not yet been assigned to our case. She was not able to give us any information about when we would be able to access our funds or information about when an investigator would be assigned or when the investigation would be complete. It has now been more than 3 weeks since our account was closed and we have no idea when or if we will be able to access our money and no specific contact point within Capital One to track this process.
Consumer complaint received 2020-05-29
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. (GA)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name XXXX {$340.00} XXXX {$160.00} XXXX {$590.00} XXXX {$300.00} XXXX {$20000.00} XXXX {$500.00} XXXX {$30000.00} XXXX {$120000.00}
Consumer complaint received 2022-07-18
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: STATE EMPLOYEES CREDIT UNION (NC)

I received a vehicle loan for a XXXX XXXX XXXX from NC State employees credit Union in XX/XX/XXXX. After receiving the loan ( and vehicle ) the bank had issues with sending the title to the DMV. They told me it was lost in XX/XX/XXXX so I was never able to register the car. The original seller notified me that the bank did not send the title to the DMV but instead returned it to the seller. The DMV has returned payments to me for highway use and also the title application, which are proof they never received the documents from the bank. When I spoke with the bank they advised they wont do anything since I agreed to the loan. At this point I do not have the vehicle since the original seller was able to come with the police and retain possession as it is still in their name. I have paid over {$1000.00} towards the loan for this vehicle and I am still responsible for a remaining amount over {$10000.00}. I believe NC SECU should cancel the loan and return my loan payments as their negligence with the documentation has led to me not having the vehicle.
Consumer complaint received 2024-03-05
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: General Motors Financial Company, Inc. (IL)

I need to share my frustrating experience with our XXXX Yukon from GM. After 2 years of dealing with issues in our XXXX Yukon, GM finally replaced it with a XXXX model. Unfortunately, the replacement only lasted 123 miles before breaking down, throwing multiple error codes and triggering the dreaded check engine light. It cut off in a very harsh weather, where we had to shelter in a nearby building waiting for help. 

While GM agreed to buy back the defective XXXX Yukon, the repurchasing process has stretched, to a grueling period, since XX/XX/XXXX and we are still in the waiting game. 

To add insult to injury, GM expects us to foot the bill for a rental car since we are currently without a vehicle. They promise reimbursement, but the reality is, we're left in the lurch, paying insurance for a car parked in one of their dealership lots, all while they continue to receive their scheduled payments. 

It's disheartening to see a company not only struggle with producing reliable vehicles but also fail to streamline their processes and retain loyal customers. 

I share this story as a complaint, and as a cautionary tale. I wouldn't want anyone else to endure the frustration and inconvenience we've faced. We want GM takes note and works towards improving their vehicles quality and customer experience. 

Thank you,
Consumer complaint received 2023-04-05
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: ALLY FINANCIAL INC. (NC)

Contacted XXXX XXXX XXXX XXXX, Ally financial auto, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX on XX/XX/XXXX & XX/XX/2023 I was told it has been a mistake on pulling my credit and I do not have any accounts with them at this time. I asked if they can remove my inquiries as well do me being unaware of these companies pullings my credit without my permission.
Consumer complaint received 2023-04-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: DISCOVER BANK (AZ)

I am disappointed as a current Discover card customer with regard to their response to dispute XXXX. It is as if the representatives I had contacted through their chat and via the dispute page did not even read my dispute thoroughly or misunderstood the reason for my dispute. My most recent interaction was today XX/XX/XXXX. My prior chat interaction before that was on XX/XX/XXXX. The dispute was opened on XX/XX/XXXX. The last representative I contacted with Discover misunderstood the dispute as me needing to be charged an additional {$260.00}, but I was in fact disputing due to being overcharged {$260.00} from using the card as the remaining cash down payment funding for my XXXX XXXX motorcycle purchase from XXXX XXXX XXXXXXXX. They misunderstood that I was already refunded fully and made whole from the {$1000.00} credit that the store did issue for one of the charges made there ( which is explained further below ). I was left without resolution due to incompetence along with my case being closed despite attaching all the clear evidence I had including the bill of sale indicating the remaining down payment was for {$730.00}. The store charged my card {$1000.00} two times as the sales representative indicated their system was not working properly at the time and I was given assurance I would be refunded if I was overcharged ( this did happen ). The store did refund me one of the {$1000.00} charges, but the remaining {$260.00} that was owed to me is still outstanding.
Consumer complaint received 2024-03-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

I paid my credit card account {$9200.00} in full on XX/XX/2024. The payment was completed manually as I transferred money from my checking account to BOA My credit card balance was {$0.00}. Yesterday, on XX/XX/2024, BOA withdrew another full payment for the account in the amount of {$9200.00} once again by automatic payment. 
In essence, I paid twice for the same credit card bill. I called BOA to complain and asked for an immediate refund of the {$9200.00} that is owed to me. The bank refused a immediate refund and stated I would need to wait 10 days for them to refund the money that BOA withdrew from my checking account. This is BOAs fault and they dont need to hold my refund for 10 days.
Consumer complaint received 2024-03-05
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC (DE)

On XX/XX/XXXX, I sent a letter to verify and validate 2 accounts that are under this company on my credit report. There is one account that says XXXX XXXX XXXX assigned and reported on my credit reports XX/XX/year>, in the amount of {$5400.00}. The other is for XXXX XXXX in the amount of {$350.00} that was assigned and reported on my credit reports on XX/XX/year>. I did not receive any letters in reference to either of these debts before they were reported on my credit reports. I have not received a response so I will be sending new letters today via certified mail.
Consumer complaint received 2024-03-06
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (MA)

I received an AMEX gift card for XXXX. I have never successfully used this card anywhere, even though it remains active. This is a physical card, and it is declined both online and in brick-and-mortar stores, at restaurants and grocery stores, or XXXX wallet - no one will take this card. I call AMEX customer service and they can not offer me any resolution. They can not tell me where I can use the card ( their site claims you can use them anywhere that accepts AMEX ). They can not transfer my balance for my unusable cards to a virtual card. They can not offer me a refund. They do not allow you to use the cards for partial payments, nor do they allow you to charge too close to the total card balance. This system seems designed to skim a few dollars from American consumers. They hold our legal tender hostage and tell us there is nothing they can do about it. They falsely advertise that their gift cards can be used anywhere that accepts American Express cards. This is simply not the case. I can not resolve with AMEX customer service nor can the original purchaser. My money is inaccessible. All I want is the total balance on my cards in cash/check.
Consumer complaint received 2024-03-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

I was just recently released from the XXXX XXXX XXXX XXXXXXXX. XXXX  number XXXX. in XX/XX/XXXX upon being XXXX  I went to my Chase Bank which the last I was able to access was XXXX XXXX XXXX my last known knowledge of the account was it was good and good standings and there was a deposit for XXXX pending as well as an incoming deposit of {$1000.00} and an ACH transfer for XXXX pending. I was also involved in an incident where my wallet and debit card was stolen a couple of months prior to that and someone walked into Chase Bank and withdrew {$12000.00} from my account. This should have been a huge red flag but they allowed it and II was also involved in a incident where my wallet and debit card were stolen a couple of months prior to that and someone walked into Chase Bank and withdrew {$12000.00} from my account. This should have been a huge red flag but they allowed it, and I still dont know who that person was, when I was released, I went to them with this information and immediately was informed that my account was XXXX something XXXX XXXX. I disputed this because my account was illegally hacked by my ex-wife, and all my funds were stolen. I provided Chase with all the proper documentation, as well as, whatever else they required was open and I was told in order for the {$12000.00} issue to be addressed. I needed to fix this first course of investigation was granted provisional credit amount {$1700.00} {$1100.00} {$1000.00} {$650.00} {$650.00} {$75.00} {$5.00}. The check numbers that were supposedly mailed were XXXX. XXXX. XXXX XXXX XXXX XXXX they were supposedly mailed on XX/XX/XXXX and sixth upon checking I can see that some of the credit funds were used to pay off the charge off account which I feel is illegal. I should not be liable to pay for the fees that acquired from a criminals shopping spree. the Chase bank officials have been nothing but rude and assisting me with attributing my funds to the proper place which is with me. I have just gotten home from XXXX and I would not risk anything especially alive or attempting to fraud in order to go back I am doing my best to get back on my feet and be the great father that I know I could. I sent so much documentation to these people. I dont understand how they could mess this up upon checking further with him I was informed that the account was closed and all the disputed amounts are denied which is weird because the reason the account is closed with a positive balance is because they took funds from the provisional credit I was afforded. No one has any recollection of these checks, even though there are numbers provided.
Consumer complaint received 2024-03-06
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (PA)

This account was opened fraudulently and they can not provide any binding documents stating that the account is belonging to me. 

I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXXXXXX ( mo ) XXXX XXXX XXXX presume that no proof of there alleged debt, nor therefore any such debt, in fact therefore exists
Consumer complaint received 2022-07-18
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. (NJ)

Hello, I have three Items that do not belong to me on all three of my Credit Reports ( XXXX, Transunion, and XXXX ). For the past 2 years I have been fighting to have these items removed. Several of my letters have requested that they send me proof that the debt belongs to me. The bureaus are returning messages stating that the debt has been verified. They have said they verified the debt with the actual Creditor, But how has this debit been verified? no one has sent me any signature ID or anything that would confirm that I indeed have an account with the creditor. Over a month ago I sent certified letters to all three bureaus ( XXXX, Transunion, and XXXX ), requesting an investigation of the the items on my report that were incorrect. 1. XXXX  XXXX XXXX xxxxxxxxxxxx XXXX ( XXXX, XXXX ) 2. XXXX XXXX xxxxxxxxxxxx XXXX ( XXXX, Transunion, XXXX ) 3. XXXX XXXX xxxxxxxxxxxxxxxx XXXX ( XXXX, Transunion, XXXX ) 4. XXXX xxxxxxxxxxxx XXXX ( XXXX ) Not to Mention there are address that do not belong to me appearing on all three reports in which I've already sent in proof of address. These address should not appear as it does not belong to me. Where are they furnishing these addresses from, once agile im being told its from the Creditor, however if these accounts are not mine how can the Creditor verify an incorrect address? XXXX XXXX XXXX XXXX XXXX NJ, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX I received responses from XXXX XXXX XXXX and XXXX. All of which have either an incorrect address. They also have no proof that the account belongs to me. No ID no proof of signature. They are Falsely Reporting items on my report that have hindered me from getting a mortgage to purchase a home and purchase a vehicle. Also XXXX took me to court and as of XX/XX/2022 the case was dismissed with no Prejudice. XXXX XXXX submitted an application for said loan however, it does not have my signature it has an Initial and it also doesn't contain where someone witnessed me signing for this load with their signature. I will attach the Documents that were sent to me including a FTC report I filed and sent to the Bureaus in XX/XX/2022. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED. THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT. XXXX XXXX XXXX violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code {$1600.00} ( A ) ( 2 ), 15 usc 1692j ( a ). and 15 usc 1681e ( b ).
Consumer complaint received 2020-10-22
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. (MI)

I have a number of inquiries that do not apply to me on my Credit Report. I reached out to all 3 Credit Bureaus with a formal letter on XXXX XXXX, 2020 and I have not received any correspondence since then about the inquiries. I also sent a letter asking them to respond as they have 30 days to do so. I have a copy of the letters I sent on XXXX XXXX, 2020.
Consumer complaint received 2024-04-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

I was told I owe old capital one card for over {$2400.00} but settle {$2000.00} to pay {$50.00} a month. But I never had account or card years before back before XXXX or any card. I told them I wanted to refuse and dispute this matter due to never used it and had it. Cause I'm on fixed income only child support, have XXXX XXXX XXXX to take care of. I can't pay a debt that I didn't create.
Consumer complaint received 2022-07-18
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting Act XXXX XXXX Account number # XXXX has violated my rights. 

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.
Consumer complaint received 2022-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Act XXXX XXXX Account number # XXXX has violated my rights. 

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.
Consumer complaint received 2018-03-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

Portfolio Recovery Associates LLC has been contacted multiple times by me ( see the attached collection account validation letters below ) in order to verify my debt that they are claiming I owe. Portfolio Recovery Associates LLC is in violation of the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character I have asked XXXX XXXX multiple times to provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : They have simply responded to me with a bill of the charges they claim that I owe ( which a copy of their responses is attached below ). Portfolio Recovery Associates LLC refusing to provide me with the required debt validation outlined above is in violation of my rights under the Fair Debt Collection Practices Act. Due to the fact that Portfolio Recovery Associates LLC continues to report this account on my credit files without providing me with the proper verification, I'm now subject to fines of {$1000.00}, plus actual damages and attorneys fees, which I may collect from Portfolio Recovery Associates LLC by filing a claim in small claims court. These collections on my credit report are causing me severe problems in trying to purchase a home and the damage could lead into the $ 1000s. I've also made Portfolio Recovery Associates LLC aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. In addition, the Fair Credit Reporting Act ( FCRA ) does not allow the inaccurate reporting of information on my credit report and under this act ; therefore, if Portfolio Recovery Associated LLC does not immediately remove this account from my credit report or provide me with all of the verifiable debt validation requirements outlined above, they are subject to another {$1000.00} fine, plus punitive damages.
Consumer complaint received 2020-10-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Upgrade, Inc. (NY)

Loan account XXXX I had a loan with Upgrade that I paid off yesterday. I was placed on a a hardship program. I have never missed a payment but I was reported to the credit agencies as missing a payment for XXXX, then XXXX and then XXXX all at separate times. I had to file disputes with the credit agencies 3 different times for 3 different months which caused me to lose a credit card and get another limit lowered. Upgrade each times admitted that is was their mistake. They just reported me again eventhough the XXXX is paid off. They were reluctant to connect me to a supervisor each of the times and XXXX returned my phone calls that I requested. My ability to do business has been crippled since XXXX because it take so long for them to update my credit reports