davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

Today XX/XX/2022, I, XXXX XXXX, was denied an extension of credit by Capital One Bank. I applied for the SavorOne Rewards for Students credit card. 
As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). Capital One Bank has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 Since the letter being sent of the denial is both a proof and evidence that I have been discriminated against, you are also criminally liable. Capital One Bank should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. 
Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations. 

BEST, XXXX : XXXX Without prejudice, all natural inalienable rights reserved
Consumer complaint received 2024-10-15
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Capital Accounts, LLC (TX)

Good afternoon documented message for XXXX XXXX. My name is XXXX XXXX. I'm contacting you from isg processing. I'm actually trying to get in touch with you in regards to an address verification. I have here on a certified document delivery. This is actually scheduled to be taking place this Thursday, XX/XX/XXXX. We have to the XXXX XXXX XXXX XXXX, and they are attempting the XXXX XXXX XXXX XXXX now with this delivery. You do need to be present with the form of photo ID to sign. It is not something that can just be left at the front door or even at your mailbox. I do also show the paperwork being sent out to the place of employment this morning with that delivery that one directly to the HR department and payroll, so you did not need to be present for that part. If you're looking for like an emergency reschedule or any additional information. Please contact myself at XXXX. Or you can also contact the filing party. They can actually be reached at the number of XXXX there is no lawsuit or debt. I called back and they said I would be arrested if I dont pay
Consumer complaint received 2022-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Convergent Resources, Inc. (GA)

As of XX/XX/XXXX the account with the creditor I.C. XXXX XXXX was deleted off of my credit report. On XX/XX/XXXX I received mail from a creditor Convergent/XXXX  stating this is an attempt to collect a debt. Thing is what debt do I owe them? I never signed any agreement with Convergent/XXXX  . I then sent them a Validation of Debt and a Cease and Desist letter certified and requires a confirmation signature which I yet to receive or any documentation that validates that I owe them anything. On XX/XX/XXXX I received a email alert that there's been a change to my XXXX credit report. I log in and see my score had decrease and a Collection account has been added to my report. First by law XXXX was suppose to inform me that something was about to go on my credit in written form. Never received that. Second Convergent/ XXXX has yet to validate this debt but XXXX allow them to place a Collection account on my credit reporting report. XXXX failed to follow the law as a Consumer I have rights 15 U.S.C 1681i ( b ) ( i ). Because they failed to do this I request that this account be deleted back off my credit report and update my file. This has caused me a great amount stress because I am working really hard to stay the course and these credit bureau to feel like they have the right to add something on your report without Validation is crazy and unprofessional because they are aware of the laws and the rights as consumer and I have already dealt with this creditor and the account was removed.
Consumer complaint received 2016-09-12
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (FL)

I am writing about a wire transfer fraud issue that occurred to me several months ago. I am reporting it now because the fraud was with my accounts at Wells Fargo and it is clear that Wells Fargo has several internal issues. The fraud was characterized by first a small " testing '' wire transfer followed a few days later by a large wire transfer of several XXXX dollars. I notified Wells Fargo of this fraud upon my realization ( a few weeks after it occurred ) and they immediately addressed the situation though the process included opening new accounts and closing the old ones over a period of a few months. The closing of the compromised accounts was done very slowly with WF telling me they could only accomplish the closures at the beginning of the next month. I was shocked that a wire transfer fraud could occur! It was clear to me that this was an " inside job ''. I had, a few months earlier, wired money from my account to complete the closing of a large mortgage for a home purchase. It was clear that the information from my mortgage had been used to commit the fraud. There was a name ( no doubt another fake account ) on the wire transfer. The whole process took quite some time to resolve. I believe that other than the massive inconvenience and the time that I had to dedicate to resolve the issue I did not have any additional financial costs. Again, I am writing this because it is further evidence of significant internal problems at WF. Wire Fraud is not simply " opening new accounts to meet a sales goal ''.
Consumer complaint received 2023-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IL)

Ordered a PC from XXXX XXXX XXXX Order # XXXX. 

They applied with XXXX with partial of the cost to their " payment system '' to pay off over time. While I put some upfront, the rest I applied for credit for. 

Upon having issues with XXXX filing several complaints and dealing with fraud on their side since I didn't receive the item I purchased. Rather I receive a fraudulent computer with removed serial numbers. Which is against the law. I called up XXXX to let them know that the item was counterfeit. They couldn't find any account information, only that it was attached to my social security number. 

EVERY XXXX attempt I made to get it changed for my personal information, I would have to talk to some XXXX who can't speak english and then deal with their nonsense of NOT UNDERSTANDING ANYTHING. I am saying. Then told me they couldn't access or " Prove '' who I was. When I was literally sending them multiple ID 's. 

I finally reached a manager at one point and sent over the information of the missing parts and PC with the FTC complaint and the PC being junk. The XXXX company also claimed that they wouldn't give me the serial numbers and " didn't have them ''. 

I was told that they would handle it with their fraud team. I was called from their fraud team a few weeks later. We settled the issue, as I thought. Because I dictated to them the penal codes and XXXX  XXXX that was going on. They claimed the issues was resolved. Here I am several months later seeing that it wasn't. AGAIN, calling their XXXX office up to deal with the same XXXX. Only to get the same runaround. They can't prove who I am. 

SO OBVIOUSLY. It's not my debt, if they have no idea who I am and someone used my Social Security number to make the account. If I can't pay the XXXX bill or am allowed to discuss it. THEN ITS FRAUD. The company supported the fraud and is continuously supporting it by not allowing me to do anything with it. Catch 22 fraud.
Consumer complaint received 2022-02-01
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. (GA)

I have reached out to the major credit bureaus about inaccurate information being reported on my credit file. I requested my recent credit file report I have noticed several inaccuracies on my file other names, addresses including a bankruptcy public report. I have no knowledge I attached a letter from XXXX XXXX whom the credit bureaus stated the information was retrieved from. XXXX XXXX have deleted the information out their system from their file. I would like this information to be deleted from the three major credit bureaus I have sent all documents from my local city bankruptcy court and XXXX  XXXX. The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq states accurate information must be reported Please delete this bankruptcy from my report
Consumer complaint received 2022-02-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

On XX/XX/22 I noticed {$1000.00} of unauthorized charges on my checking account that XXXX negligently did not notify me or stop. Called Fraud Department on XX/XX/22 representative Didnt get all charges and only issued a new card and has the nerve to ask me if I want to pay XXXX $ to have it expedited after this account has basically just been cleared out. I Went to a branch on XX/XX/22 to check for an update and get answers no remorse or answer as to me on why they allowed {$54.00} to go threw XXXX times! And I was told I must wait XXXX Buisiness days to get a provisional credit This is completely unacceptable! And they claim state of the art fraud alerts thats bull. And now I still have not gotten my money back as of XX/XX/22 I called again and was told there is nothing that can be done I have to wait XXXX more days until I see the credit. I will Be closing all my accounts and never use XXXX again. They are XXXX years behind in features dont care about account security and let Fraud happen. Rude agents on the phone and employees at the branchs dont care and have bad attitudes most of the time if you have to call them for any reason expect to be on hold for at least a half hour on a good day just to be told you have to be transferred and you will get a outsourced person the first time that speaks broken English. GIVE ME BACK MY MONEY YOU LET ME STOLEN FROM ME! I have bills to pay!! I can not buy food for me XXXX and XXXX and now will be late on my rent and have to pay fees for the banks negligence! I will also be contacting a lawyer.
Consumer complaint received 2022-02-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Home Point Financial Corporation (GA)

To whom it may concern, My old mortgage company, Home Point Financial, sold my mortgage to another company ( XX/XX/2021 ), XXXX Mortgage, and the change was reflected on my credit report with a XXXX points deduction ( XX/XX/2021 ). 

My understanding is that such behavior should have not impacted my credit. 

XXXX.
Consumer complaint received 2022-02-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

This morning around XXXX XX/XX/2022 a man calling himself XXXX XXXX saying he was calling from XXXX  XXXX XXXX my electricity company. He provided a badge number and sounded convincing. He said he was going to shut our electricity if he we did not pay our account. He said our account was red flagged and we owed money or they would shut our electricity immediately today. First, he said we owed XXXX XXXX He said we couldnt pay via mail or credit card in time to make sure the electricity stays turned on. He said the only way for an immediate transaction to keep the electricity on was to use XXXX  payments. Then after that payment he said you need to make a deposit and it will be returned to you right away due to an issue with the software. Then he said you need to make a deposit so that the account will go through {$480.00}. So, we gave him that. Then he said the last is a deactivation code but it will not be deposited for XXXX XXXX We were concerned and didn't want our electricity to be shut off. His phone number was XXXX. He said his name was XXXX XXXX and his badge number is XXXX. He told us to send to an official sounding XXXX  account : XXXX XXXX XXXX XXXX Name : XXXX. To this account we sent two payments {$390.00} and {$610.00}. Then to a XXXX XXXX account phone XXXX XXXX XXXX we sent {$480.00}. We thought it was suspicious afterward and called XXXX XXXX, they said this was a fraud. Then we called CHASE bank to file a claim with claim ID : XXXX. They said they would interact with XXXX. I thought of also filing a claim with XXXX, but XXXX does not allow that if you performed XXXX throught you bank. We also called the police and spoke with them about this incident. The man called again and we recorded him. He has been calling all day. We are scared and not sure what to do. As soon as we were suspicious we called XXXX XXXX and realized it was a scam and then called the bank right away. This is within 30 minutes of ending the phone call with the suspicious man. I saw online that if someone tricks you into paying a scam you are protected by the Electronic Fund Transfers ( Regulation E ). Please help me, I am just a student trying to helping my mom out with some bills. This was almost all of the funds in my bank account.
Consumer complaint received 2016-02-20
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Who it may concern, My company sales through the phone computer and services. My Merchant Account Manager is Bank of America. On XXXX, XXXX 2016 ; I received a request from Senior Procurement Manager of XXXX a quote for XXXX Laptops. After some basic verification, I send a quote for XXXX laptops. This quote was sent because the Senior Procurement Manager of XXXX XXXX told me by phone send only XXXX laptops to Alabama and the next will be send to other office. This Senior Procurement Manager of XXXX told me that company will paid with a credit card, which I accepted because we have merchant account services with Bank of America. Before to process the credit card I called at Bank of America several times, as is show in the report of my phone records. I called to verify the credit card information and the good standing of that credit card to process. 
XXXX XXXX ( XXXX ) XXXX Outbound PST 3 Minutes Bank Of America XXXX XXXX ( XXXX XXXX XXXX Outbound PST 22 Minutes Bank Of America XXXX XXXX ( XXXX XXXX XXXX Outbound PST 8 Minutes Bank Of America XXXX XXXX ( XXXX XXXX XXXX Outbound PST 4 Minutes Bank Of America XXXX XXXX ( XXXX XXXX XXXX Outbound PST 1 Minutes Bank Of America In all those calls the Bank of America representative told that those credit card was in good standing to process. So Bank of America always state " the credit card is ok and do n't worry about that, and your money will transfer to your business account XXXX hours after the transaction was made. '' I order my distributor to ship XXXX Laptops. The laptops were ship to Alabama. XXXX shipped the laptop on Saturday XXXX, 2016. Until that day Bank of America never call me. AFTER 5 DAYS, On Monday XXXX XXXX, 2016. A Bank of America representative call me ; he identifies himself as XXXX XXXX. This called happen in the morning around XXXX XXXX. I miss the first called, so I return the called and spoke with him. In that call he ask me for the invoice for that transaction. I sent the invoice and credit card authorization form that Senior Procurement Manager of XXXX XXXX sent to XXXX. 
Around hour later XXXX XXXX called me again to tell me that that transaction was a fraudulent transaction. That this credit card was report stolen. I explain him that I called Bank America representative to verify the good standing of that credit card, and he told whoever answer the call never verify the information of that credit card. He apologized for that and hung me up. I called one more time to customer service and open a complaint with a supervisor. This supervisor told that someone from Bank America will call me in the next two or three business days. After a week I called again but the representative told me that this is not a Bank America problem. 
After that I called one more time and I spoke with a supervisor who identify himself as XXXX and he state that his employee ID is XXXX. He refused to give a case number for this complaint.
Consumer complaint received 2022-02-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TRUIST FINANCIAL CORPORATION (FL)

Suntrust ( as they love to say " Now Truist! " ), has been making me wait almost an entire month to make a single payment. They have shown double charges and reversals, telling me that they have indeed received everything correctly, only for it to go back to how it was. Eventually the Bank decided to send me a letter through snailmail letting me know there is a specific number I can call to try sorting this issue. Calling the number however, only induces more frustration as they inform me there's nothing " they '' can do until the payments that will- not go through, " finalizes '' and then they can start working with me. 

To be extra clear, I attempted two payments through the app. The first one I set up and saw no form of acknowledgement or confirmation, thinking maybe it didn't go through, I made another payment which also didn't show. Two day 's later I see them post to my account but eventually they reverse, for some unknown reason. I tried again through the app with no luck. It is after these events I receive a letter and make the call. The payment confirmations that are being sent to me ( over the phone payments with an associate ) state they are coming from a suntrust bank ( I do not have a checking account with them, and also they confirmed over the phone the Correct bank ) so I'm not sure what's wrong with their system, but, something is and they are making me pay for it with my time. 

This entire time however they've had no issue reporting my apparent balance to the Credit Bureau 's, that my card is at whatever % of usage, even though I've been attempting payment. 

Truist is going to make me wait to solve their issue, I've had previous, non credit card related issue 's for months, and they're making ME report to the credit bureau 's that there is incorrect info.

I've had multiple over the phone associates either speak softly, with terrible quality, or flat out rudeness. I have also had them hang up on me, in different circumstances. I've been put on hold for 10 minutes to have them hang up, I've also been told " okay wait while we transfer you '' and had them hang up. 
That's another game they like to play, no one seems to know which specific department to send you to so prepare to go round n ' round if you need to call them.
Consumer complaint received 2022-02-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc. (MA)

Hi EOS CCA ; XXXX XXXX; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the XXXX major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2022-02-01
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. (PA)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2022-02-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Pressler & Pressler, LLP (NJ)

I received a notice around the beginning of XXXX from a lawyer saying I was being sued for a debt unknown to me. During that time I was suffering from XXXX and was in the process of burying my XXXX Once I spoke with them I just complied because I was told Im being sued and I was scared. There were claims of them trying to contact me which I replied I received this XXXX so why wouldnt I have received the previous contacts. It was a very scary moment this was almost XXXX time Im not working. I asked if the debt could be resolved for a lower balance and was told no. This was a lot to process especially during such a trying time. I was told the debt was {$1000.00} and the lowest payment amount I could make was {$90.00}. This is a lot for a stay at home mom with no income, I wasnt given any other options or explanations. Ive paid on the debt with the understanding that this negative item would be removed yet it is still listed on my credit report.