davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-24
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I was notify by XXXX that a credit card application was being submitted under my name. Follow by a hard Inquiries that I was able to see on the XXXX credit report. I was able to call the bank and advise them that was not me. I also followed up and disputed this with XXXX. 

CapitalOne Address : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone : XXXX Inquired on XX/XX/2023
Consumer complaint received 2023-08-05
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Due to Covid 19 and other factors, my family 's financial situation became difficult, and we struggled to cope with the high interest rates on our credit cards. Eventually, we reached a point where we can no longer afford to repay the debts. However, the credit card company and collection agency are demanding large sums of money by applying compounding interest, resembling a debt trap. Over the years, they have taken interest that exceeds the principal from the credit card company, and now the collection agency is adding additional interest on top of that. We believe this is unfair, and we request that you follow proper procedures based on accurate calculations and provide realistic solutions such as debt reduction.
Consumer complaint received 2023-08-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WSFS FINANCIAL CORPORATION (LA)

This is a continuation of the last two submissions. The Court has a serious conflict of interest because its invested in the foreclosure. The BANKS have Every State Judge in the US invested in the Foreclosure of houses in the US, the Retirement funds of all state employees are mutually invested in Mortgage Backed Securities. What will clarify this statement is almost all of the Banks doing the foreclosures actually have the legal standing to do so. First of all the law says that Banks are not allowed to own property according to the Glass-Steagall act. All the Securitization of the mortgages is fraudulent because the banks are not the owners. The notes are not being held as promises, so ironically the retirement plans as far as the XXXX are concerned are worthless. Although the judges, have skin in the game to keep up the act, the banks have their families and livelihoods held hostage. This forensic report is about to world wide in many different languages in a co sponsored effort to reclaim our land and the people from the poverty/ XXXX  brought forth by the foreign oppressors. I look forward to hearing from you. I have turned in my H8 rescission form twice and its been over XXXX  days and the law firm of XXXX XXXX XXXX XXXX out of XXXX XXXX Louisiana will not respond. I have sent confirmation mail. I have told the judges assistant, but they are tied up in their retirement funds, obviously. I was never informed I could not resend the loan at the closing table because i was never given disclosures at foreclosure. Therefore it is my right to resend the mortgage. And it is my right to recoup my losses, al fees & interest ( s ) and all escrow ( s ). I am the original creditor the bank has no skin in the game, so this is not a mortgage contract. I was made third-party to a contract that I was unaware of the details that were set forth against me in the first place.. theyre in XXXX XXXX XXXX  at this point. This has destroyed my family of XXXX  years over stress my XXXX XXXX  will not have the upbringing that we have intended. It has destroyed my business and running to a reputation. I cant get back these precious moments of my life, nor can my close family or my immediate family, which has stressed my XXXX  to the hospital and now she is facing the end of her life a lot sooner than expected. And I know Im not alone.
Consumer complaint received 2023-08-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE (MI)

Huntington bank put an XXXX hold on my account. I was told that I needed to go into a branch to remove and it couldnt be done over the phone. They helped me locate a branch and gave me the hours for today. Before even looking into it, the lady says, I dont think this department is in. 

She makes a call and then says, oh the person at the new center branch who put it on is the only person that can remove it. 

Ive wasted time, energy, gas, going around with no results and no removal. XXXXm getting annoyed now.
Consumer complaint received 2023-08-05
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. (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX has been on my credit reports for months. XXXX and XXXX have removed the debt as XXXX XXXX has refused to send me a validation of debt per my letter to them. Trans Union is the only company not respecting the laws and cease and desist despite numerous attempts along with XXXX XXXX. I've attached the signed certified green card from XXXX  showing they did receive my letter AND the letter attached to Trans Union to remove it.
Consumer complaint received 2024-08-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (AR)

My student loans were discharged due to XXXX  and XXXX  XXXX on XX/XX/year>. I filed for XXXX  XXXX protection about 5 years ago due to foreclosure on home in Wisconsin. A claim was filed by the U.S. Department of Educations office of Federal Student Aid or agents acting on their behalf with the XXXX  XXXX trustee. The entity that performed this action was Aidvantage. This claim was not valid due to complete and permanent loan discharges due to complete and XXXX XXXX. The U.S. Department of Educations office of Federal Student Aid was paid {$25000.00} or more for loans that had been discharged about 5 years before the XXXX  XXXX was filed. This was not a valid debt.
Consumer complaint received 2023-03-24
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with overdraft — Overdraft charges
Company: Block, Inc. (WI)

I was injured due to me not being able to delegate my funds that were visibly pending even though accounting shows I did not have enough cash to complete the purchase ( s ). As a result, and subsequently, a partial payment was made, with no in store authorized price adjustment. My body and emotional state paid the rest of the actual or overall cost of the transaction ( s ). At the time of the injuries either Cashapp or XXXX XXXX had my cash and I did not possess access to spend any of the pending amounts for any reason. As the company says, the transaction ( s ) were not completed and were voided. Prior to them being voided. I was injured because I did not have access to cash and the release of it to any other companys possession, or peer of the investigated amounts. Those injuries are to be remedied.
Consumer complaint received 2024-08-01
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: SYNCHRONY FINANCIAL (CO)

I found out about this debt for the first time from my brother contacting me on XX/XX/year> to inform me that this company claiming to be a law firm was trying to send me court papers to sue me for a debt that is owed. so I called them back very upset because i never provided my families information to anyone and they do not have the right to say that they are going to sue me and not even notify me by mail or phone. They refused at first to give me info for their company. He told me to call back when I have a better attitude. Then on XX/XX/year> another person with a very thick XXXX accent but told me that his name is XXXX XXXX. When I told him that is not your name he replied that is his business name. So their employees are giving false information. I then asked why they did not contact me and they just kept asking me for my routing and account number when I told them absolutely not I will not be giving some random people giving fake names over the phone my back info she started to make threats that if I did not and if I hung up the phone she would me suing me and making things for me way worse. I ended up ending the call. I called back to get the name and let them know that they violated the FDCPA multiple times by not stating the mini Maranda, lying about their names, not stating who they are, refusing info, contacting my family and thats when they told me the name of the company. The company is XXXX XXXX XXXX XXXX phone XXXX when i looked them up they have been reported multiple time to the XXXX and other issues.
Consumer complaint received 2023-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (VA)

I have an active payment plan in place with JPMBC. Instead of showing paid JPMBC started reporting the account as a charge off. The amount of the balance is incorrect. I have called, the company, my lawyer, and credit monitoring company. JPMBC has not fixed the problem.
Consumer complaint received 2023-08-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Chime Financial Inc (TN)

on XX/XX/23 I recieved a transfer of {$50.00} from my son 's vemo account to my XXXX account. I then did a instant transfer from my XXXX account to my valid chime account ( account ending in XXXX and card ending in XXXX ). My {$50.00} transfer from my XXXX account never made it to my Chime account. 
I contacted XXXX and XXXX research it for me. XXXX sent me some info ( see attached docs ) and said it made it to Chime ( never did ). 
I contacted XXXX ( manager at Chime call center ) XXXX said it was venmos problem. I contacted XXXX again and they said it's Chimes problem. I will escalate to XXXX  and attorney General if I don't get my {$50.00} transfer. Someone has it and it's not me!!!!!
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX which falls under trafficking according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2023-03-24
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: Experian Information Solutions Inc. (FL)

There is false and inaccurate information being reported on my consumer report including inquiries that I did not authorize, which means that my report was obtained without permissible purpose. The Credit Reporting Agency has violated multiple consumer rights and has not verified that the information they are reporting is in fact true and correct. I feel as though they are being paid to report false accounts that is hurting me only for their financial gain.
Consumer complaint received 2024-07-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I am being contacted, via email, by Capital one over a debt not owed. A request was made to substantiate an verify the debt. However, Capital one has not responded. A request to cease contact via email was also made. However, they continue.In accordance with the fair credit reporting act this creditor has violated my rights und 15 u.s.c 1681 Section 602 states I have a right t privacy. 15 u.s.c. section 604 ( a ) section 2 also states a consumer reporting agency can not furnish an account without the account holders written instructions. 15 u.s.c. 1681 ( B ) ( 2 ), ad pursuant to 15 u.s.c.B a creditor may not treat a payment on a credit card account under an open end consumer credit pan as last for ay purpose. I demand any late payments be updated to paid in accordance to these U.S. laws ( See also 15 u.s.c 1666B ( A ) ( B ) ; 15 u.s.c. 1637 A ( a ). There will be civil liability for willful noncompliance of this request ( 15 u.s.c. 1681 ( N ).
Consumer complaint received 2023-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (NC)

I am writing this formal complaint to bring to your attention Experian 's failure to provide me with my credit reports by mail, as requested in accordance with the Fair Credit Reporting Act ( FCRA ). I believe this conduct is in direct violation of the FCRA and has caused undue inconvenience and concern.As a consumer, I have the right to access my credit reports from each of the major credit reporting agencies, including Experian, free of charge once every 12 months. In adherence to the FCRA, I made a written request for my credit reports from Experian via mail on XX/XX/2023, XX/XX/2023, using the address provided on their official website for such requests.Despite my request being made in accordance with the FCRA guidelines and providing all necessary identification information, Experian has failed to fulfill my request. As of today 's date. I received an email stating that could not adhere to my request via section 611 ( a ) ( 3 ) ( A ) of the fair credit reporting act. I am simply asking Experian to mail me my credit reports.
Consumer complaint received 2024-07-31
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: PNC Bank N.A. (IN)

Received phone call from someone claiming to have received my information from the XXXX XXXX XXXX and wanted to offer me a better loan rate. I didnt play into that but how did he get all my info. Phone number was XXXX
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NAVY FEDERAL CREDIT UNION (MI)

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Navy Federal Credit Union without consent, knowingly and willingly wrongly furnished inaccurate information to my persons credit file to multiple enties. They have been asked to provide a document under penalty and perjury attesting to and displaying the drawer of the funds. They have been asked to provide the retail installment contract from any dealership bearing creditor as a borrower. They have been demanded to provide a power of attorney notarized bearing my wet signature. They have been asked to provide the actual document displaying the real source of the funds. They have been asked to provide proof of perfected interest and any other documents to show them as a lender of THEIR PERSONAL assets, bonds, stocks to claimant. Nothing has been received that was requested. There is no possible way a charge off exist if they stole my principal and interest in a constructive trust. The account is paid in full as reflected on the receivables. The payables are not the same. I am due what is actually reporting on the credit files. Failure to perform and no value of consideration was given. Also to purport as a lender and in actuality is a borrower is fraud and tila violations. Navy Federal Investment Servives, Navy Federal Financial group, its brokers have never instroduced themselves nor shared what they are doing with my person financial Asset. They have also been asked to immediately balance the account. They refuse. Fcra violations.
Consumer complaint received 2024-07-31
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (CO)

Her reportage Chase that I had some fraudulent charges. They close the account, the issued new debit cards and credit cards, which when you close an account due to identity that you can not issue debit credit cards because that is linked to digital wallet. I went back in closed that account had them issue me an ATM card, they moved all the fraudulent charges to the brand new account. I had a direct deposit for {$1800.00} they put into the new account which was set to go on the fraudulent account which shouldve been kicked back to my company and Im sitting at - {$1700.00} especially when I provided them my FTC affidavit, my IRS affidavit, my XXXX FBI reports my local PD identity theft JP Morgan Chase has knowingly had multiple accounts open in my name. I cant verify or get transparency of those accounts so Im not the bad guy.
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IA)

I am writing to follow up on a dispute I previously submitted concerning several inaccuracies on my credit report. Despite my earlier communication, these issues remain unresolved and continue to negatively impact my credit scores.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

I am writing to formally request your assistance in resolving an issue with inaccurate credit reporting by XXXX XXXX XXXX XXXX ( XXXX ) regarding an auto loan that has been fully paid off. Despite satisfying this loan in full, XXXX XXXX continues to report the loan as unpaid/late on my credit report, negatively impacting my credit score and financial standing. 

Credit Reporting Issue : The loan is still being reported as unpaid/late on my credit report. 

Supporting Documentation : Proof of Payment : Attached is a copy of the letter from XXXX XXXX confirming that the loan has been paid in full. 

Title : I have also attached a copy of the title to the vehicle, which further evidences that the loan has been satisfied. 

I have made several attempts to resolve this issue directly with XXXX XXXX, but unfortunately, they have not corrected the reporting error. I am requesting that the CFPB assist in ensuring that XXXX XXXX updates my credit report to reflect the accurate status of this loan as " paid in full '' with a XXXX balance. 

This inaccurate reporting violates my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that all information furnished to credit reporting agencies must be accurate and complete.
Consumer complaint received 2023-08-05
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. (VA)

The Credit bureaus stated that my account was properly investigated but how is that possible if the balance is in accurate, open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate ( please see attached credit report ). This is ground for removal they also violated my rights under. 

15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 Section 604 A section XXXX states a consumer reporting agency can not furnish an account without my written instructions. 

Also, the credit bureaus took more than 30 days to complete my investigations here is my certified mail tracking number. XXXX XXXX ; TransUnion XXXX ; XXXX XXXX.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AL)

XXXX XXXX XXXX is a collection agency that reported that I owe them {$320.00} I sent a letter requesting a copy of the original purchase agreement showing proof that they purchased the alleged debt showing my correct information. They failed to provide any information.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This CFPB complaint has been filed to request, pursuant to FCRA 605B or 15 U.S.C. 1681c-2, that you, the EQUIFAX Credit Reporting Agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. 

This fraudulent, inaccurate, and false information consists of the following : 1. Account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit reports. I have attached a list of the hard inquiries in question, as well as a copy of the consumer FICO credit report maintained, which shows the mentioned fraudulent items. 

I do not recognize the mentioned accounts, collections, or hard inquiries as reported. The mentioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by me were not opened, made, or initiated by me. All of the mentioned accounts, collections, and hard inquiries are the result of identity theft and fraud. 

I have attached a copy of FTC Identity Theft Criminal Complaint number XXXX as proof from the US Federal Trade Commission that all of the mentioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.