davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-10
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/XXXX I went to XXXX to purchase a used vehicle XXXX XXXX XXXX, Capital One came back with best interest rate however the sells rep advised me to check with my insurance for GAP Insurance before purchasing it through loan and that I had 7 days to do so. XXXX XXXX did not offer GAP on my vehicle because it was outside of the 3 year window. I was not informed by XXXX I would have to return an repurchase the car. On XX/XX/XXXX, I returned the vehicle and purchased it again now causing the problem that Capital One changed the interest rate without any changes to the loan ( nothing changed ). XXXX and lenders have an agreement to honor the original interest rate for 30 days. The manager contacted Capital One who stated they would not honor the interest rate and I had to accept the current offer. Management explained they would keep working on this and for me to accept the current rate so I could at least be in the vehicle. On XX/XX/XXXX, I was contacted to return and purchase the vehicle again with the correct interest rate from Capital One ; management had the approval in hand so yet again I returned and to purchased the car. After 30 days Capital One sent a letter stating they would not honor the loan and had choose not fund it resulting in me returning and purchasing the car again having to select another lender ( ( XXXX ) with a higher interest because now I have 7 inquires for each time my credit was ran on the same vehicle, same car lot, and same lender. My fico score has dropped almost 30 points in 2 months. 

XXXX attempted to problem solve the issue. Management worked with Capital One countless times, received the hard copy approval, comp future repairs, and etc. However XXXX system is who ran my credit each time I had to purchase the car creating my credit nightmare. 

Capital One breached it contract with XXXX by not honoring the original agreement and then after stating they would denied me anyway. 

I can't help by feel discriminated against as nothing to the loan term change. Each and every time Capital One contacted me I replied with any information requested, submitted documents and etc. At one point I was even accused of using a false address as I explained I current reside with a family member who travels and ask me to stay and watch her home during her absence therefore I had no bills in my name. I asked if she was to write a notarized letter or create a lease or even supply her bills would that help. Nothing I suggested met the qualifications and shortly after I was denied the loan. 

As of today my fico score dropped another 16 points. I am asking for a correction to my credit score, payment for hardship of having to return/purchase the car 3 times, compensation for my time and my pain/sufferings ( 2 times I had just had XXXX XXXX and had to sit in XXXX for over 4 hours to resolve these issues with no meds and no food ). 

Management and Staff of XXXX - XXXX, XXXX, XXXX ( XXXX ), XXXX, XXXX, and XXXX ( Sales )
Consumer complaint received 2021-10-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

XXXX XXXX without my authorization charged my Bank of America Master Card. I notified the Bank of America which then cancelled the said card and issued me a new one with a different credit card number! 

But the Bank of America repeatedly has refused to delete the unauthorized said charges of XXXX XXXX! 

The Bank of America by law must do so! 

XXXX XXXX XXXX, XXXX XXXX 
XXXX  XXXX XXXX XXXX XXXX XXXX pro se
Consumer complaint received 2021-10-10
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. (TN)

Im not sure whats happening but Transunion removed the collections account from my profile, then it was re-added. Nothing has changed. I have not re-acquired this debt. It just popped right back up after TU removed it. Now TU refuses to remove it despite me filing a dispute and explaining that it was already removed. Not sure how its legal for already-settled matters to randomly pop back up. These reporting bureaus just take the agencys side regardless of whats actually going on.
Consumer complaint received 2021-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO. (MO)

Company was notified with notarized documents pertaining to the information that is was incorrect and to be removed under 15 usc 1692b ( 3 ) The term creditor is defined under 15 usc 1692a as any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another.

Defamation is defined under 28 U.S. Code 4101 ( 1 ) : The term defamation means any action or other proceeding for defamation, libel, slander, or similar claim alleging that forms of speech are false, have caused damage to reputation or emotional distress, have presented any person in a false light, or have resulted in criticism, dishonor, or condemnation of any person. 

15 U.S. Code 1692d ( 1 ) : A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.

Chase bank received an affidavit and is in default of charges as they have failed to rebut the affidavit line by line as required by law.

The third maxim of Commercial Law states in commerce, truth is sovereign.

The fourth maxim of Commercial Law states truth is expressed in the form of an affidavit The fifth maxim of Commercial Law states that an unrebutted affidavit stands as truth The sixth maxim of Commercial Law states that an unrebutted affidavit becomes judgment in commerce. 

The tenth maxim of Commercial Law states that a lien or claim can be satisfied only through ( a ) rebuttal by counteraffidavit point by point ; ( b ) resolution by a jury; or ( c ) payment or performance of the claim. 


Chase bank has failed to meet the requirements to a legal claim of a debt owed as well as to rebut the affidavit.
Consumer complaint received 2021-10-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (MD)

I opened an online BestBuy.com account and made my first payment. I did not see the payment post to my online account for the " Order or Contract ID : XXXX '' - instead of placing a formal request for investigation through the Consumer Financial Protection Bureau , I created a " PissedConsumer.com '' account and placed communication / correspondence through that online orgainzation.
Consumer complaint received 2021-06-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

Hello, I accidentally transferred money to the wrong account for my rent payment in the amount of {$1200.00}. Once my property management company informed me that they had not received I contacted the bank to dispute and was told that there was no error and my request was denied. The account was from XXXX to a private owner I rented from and have sense moved in XXXX of XXXX. The transfer was made on XX/XX/XXXX and was another USAA account.
Consumer complaint received 2021-10-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC. (KS)

Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, the date of the alleged medical service, the name of the patient, and proof that there is some contractual obligation which is binding on me to pay this debt. 

Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC.13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY.

The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. 

Please note the enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XXXX, XXXX, XXXX. 

Please also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account, a copy of any HIPAA authorization. 

Please be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of ; or verifying of this account on my credit reports. 

I require compliance with the terms and conditions of this letter within 30 days, or a complete withdrawal, in writing, of any claim. 

In the event of noncompliance, I reserve the right to file charges and/or complaints with the OCR on your HIPAA violations and appropriate County, State, & Federal authorities, the CFPB, XXXX  and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as in violation of Kansas medical privacy rules XXXX 

I also hereby reserve my right to take private civil action against you to recover damages.
Consumer complaint received 2021-10-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Berlin-Wheeler, Inc. (Kansas) (KS)

This is not a refusal to pay, but a notice that your claim is disputed. 

Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, the date of the alleged medical service, the name of the patient, and proof that there is some contractual obligation which is binding on me to pay this debt. 

Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC.13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. 

The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. 

Please note the enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XXXX, XXXX, XXXX. 

Please also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account, a copy of any HIPAA authorization. 

Please be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of ; or verifying of this account on my credit reports. 

I require compliance with the terms and conditions of this letter within 30 days, or a complete withdrawal, in writing, of any claim. 

In the event of noncompliance, I reserve the right to file charges and/or complaints with the OCR on your HIPAA violations and appropriate County, State, & Federal authorities, the CFPB, BBB and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as in violation of Kansas medical privacy rules XXXX 

I also hereby reserve my right to take private civil action against you to recover damages
Consumer complaint received 2021-10-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Account Recovery Specialists, Inc. (KS)

This is not a refusal to pay, but a notice that your claim is disputed. 

Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, the date of the alleged medical service, the name of the patient, and proof that there is some contractual obligation which is binding on me to pay this debt. 

Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC.13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. 

The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. 

Please note the enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XXXX, XXXX, XXXX. 

Please also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account, a copy of any HIPAA authorization. 

Please be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of ; or verifying of this account on my credit reports. 

I require compliance with the terms and conditions of this letter within 30 days, or a complete withdrawal, in writing, of any claim. 

In the event of noncompliance, I reserve the right to file charges and/or complaints with the XXXX on XXXX HIPAA violations and XXXX XXXX, State, XXXX Federal authorities, the CFPB, BBB and XXXX Bar XXXX for violations of the FDCPA, FCRA, and Federal and XXXX XXXX XXXX illegal collection activities on any account that XXXX be time-barred as well as in violation of Kansas XXXX privacy rules XXXX 

I also hereby reserve my right to take private civil action against you to recover damages.
Consumer complaint received 2021-10-10
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: OneMain Finance Corporation (WI)

ive already contacted XXXX to initiate a dispute and noticed their not quick at there turn around process. so i did what could to reach out to the company 's on my end ike XXXX rep told me to do. i call one main local office and dealt with the office manger and district managers and also someone from the corporate fraud team. that didn't get me anywhere. so im filing this complaint because im mad at transunion and onemain. i am trying to get something removed from my credit report as a result of fraud and identity theft and if it doesn't get removed with in 60 days i'll start a civil lawsuit. last chance. i shouldn't have to live like i do with these scammers and stealing my identity and harassing me emery and no one 's doing anything about it not locally not statewide not federally. hope you can since that im a bit irritated,
Consumer complaint received 2021-10-10
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: Paypal Holdings, Inc (AL)

I used PayPal for a purchase from XXXX. The unit ( {$1700.00} ) did Not work I contacted XXXX, the manufacturer XXXX, & PayPal. I asked for a replacement of a refund. After a month I was told on XX/XX/XXXX by PayPal I would get a REFUND with a return. I returned it to the address in XXXX, given which cost me over {$400.00} USPS XXXX. Since, I've contacted PayPal for 2 months, I was told I was only a few days away from seeing my Refund returned to my bank account. Today I received the attached email. I would be happy to talk to someone at CFPB about my immediate options. XXXX Thank-you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL. XXXX XXXX XXXX
Consumer complaint received 2021-10-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

i found that somebody had been making charges on my debit card for approximately XXXX dollars i contacted the bank they stopped my card and started a new card out to me and started a investigation during this time they sent me a temporary funds to my account after about 2 weeks they said investigation showed that about XXXX was fraudulent but the rest was not the answer was that the online merchant which was a casino said they had my email address and name attached to the charges i asked the banck for this infor which took them roughly a month to get the ip addresses do no come back to me plus i had a black web scan done through XXXX  credit that came back with all my personal information on it i sent the info to the bank fraud department the still wont call me back this has been going on for about three months now
Consumer complaint received 2021-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

On XX/XX/2021, I disputed XXXX, XXXX account on my consumer report via Experian as inaccurate. The account showed a balance of {$680.00} and listed XXXX XXXX as the original creditor. According to CongresXXXX, once I dispute the validity of any alleged debts, I will be provided with all 5 requirements to validate the debt pursuant to federal law 15USC1692G. I never received validation. On XX/XX/2021, I contacted Experian and on XX/XX/2021 I contacted XXXX and XXXX via telephone and informed them of the invalidated and inaccurate information being reported. I asked all involved to stop communicating and reporting for all purposes in regards to me, the consumer, because I, XXXX XXXX XXXX never directed them verbally or in writing to report or communicate anything about me. On XX/XX/2021 and XX/XX/2021 I submitted a complaint via CFPB website. On XX/XX/2021 I contacted XXXX, XXXX via telephone. Representative XXXX asked for my social security number to verify my identity and I replied I did not feel comfortable with giving out my social, and asked if there was another option to verify. XXXX asked me to confirm my first and last name and address, I confirmed my name and stated XXXX had an old and bad address and that I did not currently have an address. I asked XXXX for a copy of my contract and a payoff quote to be sent to me via email. XXXX replied they were a collection agency and could not provide me with the contract but confirmed the balance on the account as {$680.00}. XXXX stated they could offer a settlement offer of 45 % which would bring the balance to {$370.00} to settle. XXXX then directed me to the website ( XXXX ) and stated everything I was asking for could be found online. XXXX confirmed my account number and information I would need to login online. I downloaded the exhibit offline from the website. As of today, XX/XX/2021, XXXX, XXXX is still being furnished on my consumer report via Experian. I, XXXX XXXX XXXX, never gave XXXX, XXXX permission to report anything to the credit reporting agency pursuant to 15USC1681b ( a ) ( 2 ).
Consumer complaint received 2021-10-10
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)

I have been disputing an inaccurate account on my credit report with XXXX, XXXX, and TransUnion, but none of the credit bureaus will fix or delete the account. They all just keep saying it's verified. The problem is with the an account from XXXX XXXX. The payment history is inaccurate on all three credit bureaus. On my XXXX report, the account shows as being paid on time during XX/XX/2017, then 90 days late the next month. This is wrong for two reasons : you can't become 90 days late in the span of XXXX month and the account was already charged off during XX/XX/2017, not 90 days late. XXXX should know this is wrong, especially after I already disputed it, but they refuse to fix it. On my XXXX report, this account show no late payments prior to XX/XX/2017, but XXXX shows it being 90 days late during that month. This is wrong for two reasons : I can't be 90 days late after making no prior late payments and this 90 day late payment does not match what XXXX is showing. The payment history on XXXX is completely inaccurate and they refuse to fix it. On TransUnion, this account shows a 30 day late payment during XX/XX/2017, then a 90 day late payment during XX/XX/2017. This is wrong for two reasons : I can't miss two payments during a 30 day timespan and it again does not match what XXXX and XXXX are showing. All three credit bureaus have different payment histories! I have disputed with all three credit bureaus about these blatant inaccuracies and they all just keep saying the information is verified. If I remember correctly, the FCRA says credit bureaus are required to remove any information they should know is inaccurate themselves. They don't even need to contact XXXX XXXX to know these payment histories are wrong, but they will not fix it.