davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Pursuant to 15 USC 1692a ( 4 ) The term " creditor '' means any person who offers or extends credit creating a debt. The term " debt '' pursuant to 15 USC 1692a ( 5 ) means any obligation OR ALLEGED obligation of a consumer. Pursuant to 15 USC 1692a ( 3 ) the term consumer means any natural person. 

So it was I who is a COSNUMER and the original CREDITOR who in fact extended the loan through my " credit card '' which means ANY card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit pursuant to 15 USC 1602i This is all information that Capital One Auto Finance should already know being governed by the FDCPA and TILA ( Truth in lending Act ), but for some reason or another they act like they do not know this information According to the FDCPA, Capital One has violated numerous consumer laws. They have harassed me, a consumer, with numerous phone calls ( sometimes more than once a day ), to communicate with me in regards to a debt. Pursuant to 15 USCb ( 3 ) ( 5 ). 

Capital One also violated 15 USCc ( a ) ( 1 ) & ( 3 ) by communicating with me without my prior consent at any unusual time or place and at my place of employment Capital One also violated 15 USC 1692d ( 1 ) ( 2 ) & ( 5 ) by the threat of reposession of my vehicle, by constantly using the word debt which is obscene and profane language and causing the telephone to ring continuously with the intent to annoy, harass, XXXX  any person at the called number. 

Capital One has also violated 15 USC 1692e ( 4 ), ( 5 ), ( 10 ) & ( 11 ). By the representation or implication that nonpayment of ANY debt will result in the SEZUIRE, or SALE of ANY property.
Consumer complaint received 2021-09-02
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: Synovus Bank (NC)

I have spoke with XXXX  I recently checked my credit because I was one of the customer from XXXX data breached and I noticed that I had several inquiries on my XXXX  I sent it letters and proof of my address and identity also at the time of all of the inquiries I had a fraud alert on my account however I was advised by them it was on the third party to verify who I was also they didnt remove the inquiries or provide a document explanation that it was me or they completed a investigation. Then I called back I was transferred twice and hung up on by the manager I advised them I did a FTC identity report they still wouldnt removed the inquiries I just want this issue handled and I feel Im being given basically no options
Consumer complaint received 2021-09-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (DC)

I have an FHA primary mortgage with LoanCare. The loan servicing company is XXXX XXXX XXXX. On or about XX/XX/XXXX, I received an alert from XXXX XXXX informing me that LoanCare put adverse information on my credit report due to an unpaid {$750.00} fee. I communicate with LoanCare staff on a regular and recurring basis and was not informed of this fee. When I called LoanCare representatives, they stated that my mortgage loan is current and there are no fees due. My online account with LoanCare did not reflect the {$750.00} fee. However, it did reflect a {$15.00} fee for the month of XX/XX/XXXX which I paid promptly along with my mortgage on or about XX/XX/XXXX. On XX/XX/XXXX, I left a message on LoanCares customer website and requested that a manager contact me so that I could determine whether there was a {$750.00} fee and the reason for the fee. On XX/XX/XXXX, I spoke with XXXX ( Employee ID # XXXX ), a manager with LoanCares Customer Service Department, and she informed me that the {$750.00} fee was an attorney fee that LoanCare charged that is related to my Chapter XXXX bankruptcy case that I filed in DC Bankruptcy Court on XX/XX/XXXX ( Case Number XXXX ). XXXX XXXX, Bankruptcy Attorney, represented me in Case Number XXXX. In XX/XX/XXXX, Mr. XXXX voluntarily dismissed my case at my request. On XX/XX/XXXX, I sent an E-Mail message to XXXX XXXX inquiring about LoanCares fee in the amount of {$750.00} and he replied to my E-Mail message on XX/XX/XXXX stating that he was never informed of this fee by LoanCares legal representative. My mortgage loan was modified to lower my monthly payment and interest rate effective on XX/XX/XXXX. The trial payments and processing of my loan modification application began in XX/XX/XXXX and ended in XX/XX/XXXX. In XX/XX/XXXX, I was informed by LoanCare customer service representatives that if there were any fees outstanding that they would be removed during the loan modification process.
Consumer complaint received 2022-08-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

After numerous attempts to get the CRAs to abide by FCRA and CFPB, I am not request for XXXX, Transunion, and XXXX to permanently delete the accounts that ( has been attached to the file ) for deletion according to FCRA 611 ( a ) [ 15 U.S.C 168ii ( a ) ] and section 609. These items are that I am disputing are required to be re investigated or deleted from my credit report within 30 days. I AM NOT ASKING ANY OF THE CREDIT REPORTING AGENCIES TO VALID WITH THE CREDITORS, I AM DEMANDING THE CREDIT REPORTING AGENCIES TO VALID THE DEBT. ACCORDING TO FCRA SECTION 609, THE LAW FCRA 15 USC 1681 STATES THAT THE CREDIT AGENCIES MUST VERIFY ALL INFORMATION THAT THEY RECEIVE FROM BANKS, CREDIT CARD COMPAINES, PRIOR TO BEING PUBLISHED ONTO MY CREDIT. THIS INFORMATION IS ALSO PRINT IN THE GUIDE FOR FEDERAL CREDIT BUREAU, SO I AM DEMANDING THE XXXX, XXXX, AND TRANSUNION TO SEND ME A COPY OF THE ORIGINAL SIGNED DOCUMENT FROM WHEN I OPENED THE ACCOUNTS. IF YOU ARE CLAIMING THE INFORMATION IS VALID/VERIFY/AND OR CORRECT I AM REQUEST THE CRA 'S TO VALIDATE AND SEND ME PROOF OF CLAIM. YOU HAVE 30 DAYS PER FEDERAL CREDIT BUREAU, CFPB, AND FCRA TO PROVIDE ME WITH PROOF OF CLAIM. 
FCRA SECTION 609 ( C ) ( 2 ) ( e ) also advise if the accurate negative information in the consumer credit profile is unable to verified, the reporting agency is required to delete it.

I AM DEMANDING THAT THE CREDIT REPORTING AGENCIES " TO PROVIDE VERIFIABLE PROOF '' ORINGAL DOCUMENTS RECORDS THAT YOU MUST KEEP ON YOUR DATABASE PER FEDERAL CREDIT AGREEMENT WITH MOUs.
Consumer complaint received 2022-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

After reviewing my credit report I noticed there was several companies that were not authorized to check my credit, therefore the inquiries from these companies are considered fraudulent.
Consumer complaint received 2021-09-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc. (WI)

I received a collection notice from ONLINE Information Services for the following company that I don't have any association with. Here is the flowing information : XXXX XXXX Date of Service : XXXX XXXX Service for : XXXX XXXX XXXX XXXX Amount Owed : {$290.00} The address affiliated to this account is not mine, I have no connec6ion to this address in any way, shape or form. I want this to be resolved so it doesn't affect my credit rating. 

Thank you for you time and considerations in this matter.
Consumer complaint received 2023-04-15
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

Capital one Walmart card has fraudulently reported on statements that I owe them more than truly what I purchased. I purchased {$290.00} and paid it off today. They are trying to charge me for items returned and not on my card. This is fraud and I closed the account and will not pay them another XXXX. They have a Third World communistic country answering their phones, and they are very unprofessional to say the least and I will not deal with companies like this ever again. 

I only purchase something XX/XX/XXXX for an amount of {$63.00} Then on XX/XX/XXXX I purchased {$220.00} These are the only charges that should be applied to my account and I paid this off today. 

The charge on the XXXX billing of XX/XX/XXXX for {$220.00} is fraud and Capital One is reporting a charge that was returned and the reporting the wrong amount.
Consumer complaint received 2021-09-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have previously disputed this account with the credit bureaus and each time the investigation came back as 'verified '. I decided to go directly to the creditor reporting and dispute with them. The creditor was not able to provide any form of documentation to verify this specific account with me. If they are not able to verify this account with me - the alleged account holder - there is no way you were able to verify this! I'm invoking my rights as a consumer under Federal Law and they are choosing to blatantly just ignore me. That's why I am filing this complaint
Consumer complaint received 2021-09-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: OneMain Finance Corporation (CA)

This is a loan with OneMain Financial account number XXXX I have had poor communication with local office. 
I call they transfer my information to a central location, however I can not get my request resolved. 

The breach of contract is that they have not reported on a monthly bases any of my payments to this binding contract Causing material & causing hardship financial damage over the last 9 months to my credit XXXX  XXXX  & XXXX. In the last nine months they repeatedly month after failed to report.
Consumer complaint received 2022-08-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (AZ)

I saw unauthorized wire transfers pending on my account, immediately called Chase fraud to report these were NOT mine. Then went into Chase bank branch in XXXX XXXX AZ, they advised me to proceed with having the account comprised and opened new account. I asked them at the time if they could notify the bank where the funds were going and alert them that the transactions so they could freeze the funds and alert the bank these were illegal transactions They told me no got on the phone with the fraud claim department to alert them and then I was supposed to receive forgery packet in the mail. I asked at that time if i should file a police report they said NO I just needed to wait for the packet in the mail. I then went to a different branch and spoke with a branch mgr XXXX XXXX who got on the phone again with the fraud dept. they said yes file a police report and I immediately contact dept and filed report with XXXX XXXX XXXX I got the police report, identy theft report and brought into XXXX XXXX branch to fax to fraud dept. Didnt receive anything in the mail from Chase and while there banker helped me to get form needed to file the fraudulent wire transfers. Banker faxed the forms necessary and signed faxed to fraud claims. 
I received zero communication from the fraud department at Chase. 
I then filed a complaint with CFPB against the receiving bank on the fraudulent wire transfers. I received a response form the banks senior vice president saying they received no recall from Chase. This has been a horrific experience and very stressful. Have had to contact XXXX XXXX  because I have been XXXX XXXX XXXX. I have been put on XXXX, but Chase fraud and their investigators have done NOTHING to help retrieve the stolen funds. After receiving the response from XXXX XXXX XXXX that received nothing from Chase on the recall of funds I went into Chase branch again to have them fax the letter from receiving bank to the fraud department. This has been complete negligence on Chase and I will be seeking legal counsel to retrieve my stolen money. I can't believe how they have just swept this under the rug but I guess they do NOT care about their customers nor illegal activity. DISAPPONTED completely on Chase fraud claims system and their investigators and this process. 
-On XXXX XXXX unauthorized illegal wire transfers were made XXXX and XXXX Chase could have alerted the receiving bank and froze the accounts they were going to/ Chase has done NOTHING as far as I can tell. My account was credited for XXXX today from XXXXXXXX XXXX but waiting for the XXXX other wire transfer to be returned. Truly disappointed thought my money was safe with Chase but obviously NOT
Consumer complaint received 2021-09-02
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: EQUIFAX, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2021 XXXX XXXX XXXX XXXX or XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX CONTACT # : XXXX Dear Sir or Madam : As of XXXX. XXXX. XXXX  Equifax Credit Report still displays a fraudulent account and is the only credit bureau that has this alleged account underneath my name. I am writing to dispute the following information in my credit report file. I have attached serval documents to prove the fraudulent allegation put upon me. This is unfair the items I disputed on the attached copy of the report I received.The information on XXXX XXXX XXXX XXXX or KNOW AS XXXX XXXX XXXX with a balance of {$110.00} is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately. 
Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate. 
This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
This rule is effective XX/XX/2021. Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX, Thank you
Consumer complaint received 2022-06-14
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. (TX)

The bankruptcy needs to be removed from my report. The bankruptcy case was filed in error. The case never entered judgement. The case was closed by the Judge. The trustee was cancelled. No money allocated. Judge order signed XX/XX/2018. Case # XXXX Experian says they been getting data from XXXX XXXX who is reporting I went through a bankruptcy. This is false. There was never any judgement. The judge closed the case XX/XX/2018. 
XXXX XXXX has been reporting false info. for years. I would like to sue them.
Consumer complaint received 2022-08-23
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX # 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 2022-08-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE (MI)

I opened a checking/savings account with Huntington approximately a month ago. 

On the day I opened my accounts, my pin number was set up and I was informed to expect the debit card in the mail. 

A couple of days after opening my account, I received an alert that {$9000.00} was taken out of my savings account. I called my local Huntington bank and a staff member informed me that a person was in " training, '' and it was an accident. I opened accounts at this branch because I'm currently dealing with identity theft regarding a different bank and am working with the Michigan State Police. 

It's not acceptable that it was an " accident. '' People in training should not be using consumer accounts to train. I can only imagine what would have happened if I had not caught the error. 

I called Huntington and was informed a debit card was never ordered so I again had to order a debit card. I was on the phone over THIRTY MINUTES just to order a debit card. 

Yesterday, I went to XXXX XXXX and paid with a check and the payment was declined. I used my ATM card and it was approved. THESE ARE THE SAME ACCOUNT!! 

I called the toll-free Huntington number and explained the situation. The representative said the check was approved and I told him it was not and read him the declined narrative. I told him my debit card approved the transaction. He said, " I'm confused, '' and told me to call back tomorrow. 

I'm really disgusted with all of the problems I've had with this bank especially given the short time frame I've had accounts. 

I would like compensation for all of the difficulties regarding error of which, NONE were made by myself. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2022-06-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I was scammed by Crypto scammers through a company called XXXX XXXX. I wired a total of XXXX in increments of XXXX to a Bank of America account under the name of XXXX XXXX XXXX The funds were successfully sent on XXXX, and XX/XX/XXXX. I filed an initial recall with my bank, XXXX, on XX/XX/XXXX. When I heard nothing back, I reported it again on XXXX XXXX. On XX/XX/XXXX, I received feedback that Bank of America could not reach the account holder, and I should contact authorities. Bank of America is fully aware of the suspicious activities of the account as I have presented contracts to them as proof. However, they are not willing to do anything to help me recover my funds.
Consumer complaint received 2022-08-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO. (FL)

This is in response to the results of my complaint from ( XXXX ) in your response you state that I entered an agreement with XXXX, so if did not have a clear and conspicuous agreement with you than this account should be deleted from my credit file. Further more no federal law states a contract in a consumer transaction is validation for an obligation therefor chase sending me the contract is not proof of obligation of debt or that I should be forced to pay this debt I am not obligated too. This contract you claim proves I owe something in fact is just proof that I initiated this consumer tractions with my credit card. Also in the additional terms and condtions section part 44 of the contract SECURITY INTERESTyou grant us an irrevocable security interest in the following to secure performance of your obligation under the lease : ( a ) in a payment under any insurance policy or from any other party in payment for loss or damage to the vehicle ; ( b ) in the proceeds of any mechanical breakdown protection contract, service contract, or other optional product or service purchased as a part of this lease ; ( c ) any refunds of unearned premiums or charges for any of the forgoing. You authorize us to apply any amount we receive to your obligation under this lease this means you have already secured payment for any obligation involved with this transaction. 
Also I was never given the opportunity to opt out of having my nonpublic personal information shared with 3rd parties in accordance with Gramm-Leach-Bliley Act 15 USC 6802 ( b ). This is a violation and an invasion of my privacy. P.S if I did owe an obligation why is the balance in the account positive?
Consumer complaint received 2022-08-23
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: SYNCHRONY FINANCIAL (DE)

XXXX XXXX / XXXX 2022 XXXX XXXXXXXX/ XXXX 2022 XXXX XXXX XXXX/ XXXX 2022 XXXX XXXX XXXX XXXX 2022 This are all hard inquiries I did not give permission to look into my account nor check my credit I want it remove from my credit history I did not authorize no company nor 3rd party nor gave consent