davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC (WA)

I have received a few texts from someone impersonating Spring Oaks LLC, allegedly a real debt collection agency, about how to set up a payment plan for 2 payments of {$130.00}. The most recent text I received was XX/XX/2024 from a ( XXXX ) XXXX, and I received two text messages from the same number on XX/XX/2024 and XX/XX/2024 ( which I replied to in an effort to get information from them ). I have ZERO debt on my credit report, and the only debt I have in general is student loans which are being paid. 
Included in the text message is a customer service number which does NOT match the one provided on Spring Oak 's website, and a link ( XXXX ). I followed the link to compare it to the real Spring Oak 's identity verification form, and the fake one requires either a DOB or SSN ( conveniently the DOB field doesn't work, and I wasn't about to provide my SSN ), while the real identity verification form on Spring Oak 's website can also accept a reference number. 
In an attempt to get information about this alleged debt, they refused to give me any information about the creditor without me first providing, over text, my SSN. They also refused to give me a reference number for the debt, or a name of whoever they were looking for. 
I figure if they can give me a monthly debt amount that I allegedly owe, they can also, in the same breath, provide any information at all about the creditor, the debtor they're trying to find, etc. But they refuse without knowing my SSN. Which is funny, because I've had debt collector calls for other people and they provide the name of the person they're looking for and the name of the creditor that they owe. It's how I found out my moms friend owed a XXXX ton of money to a car dealership. Guess what? They left me alone after finding out I wasn't who they were looking for and didn't communicate in any way with their person of interest. And these guys are allergic to providing information without getting my SSN first? goofy. 
So, here we are. 

( PS in reference to one of my attached screenshots, my favorite line is " I assure you we are a legitimate business '' like oh ok buddy I can take that to the bank LOL )
Consumer complaint received 2024-01-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: TRUIST FINANCIAL CORPORATION (FL)

On XX/XX/23 I opened a claim with Truist against XXXX XXXX XXXX for unlawful repossession of my vehicle in the amount of {$6000.00}. After thoroughly explained and submitted proper documentations to Truist regarding the act committed by XXXX XXXX XXXX was surely unlawful, Truist refuses to take action and therefore continued to deny the claim and offered no resolution or assistance. After all, I did not received the service as intended from XXXX XXXX XXXX, since my vehicle was unlawfully taken away outside of a delinquent payment. Therefore, by Florida laws, and statues and I'm eligible to dispute the transactions as service not rendered.
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NY)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights ot privacy and confidentiality under 15 USC 1681. 
1. Open Sky CC, XXXX 15 U.S.C 1681 section 602 A. States Ihave the right to privacy. 
15 U.S.C 1681 Section 604 ASection 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation 2. XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States Ihave the right ot 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. 
Delete this account immediately, unless you want to be held {$1000.00} per violation 3XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States Ihave 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. 
Delete this account immediately, unless you want to be held {$1000.00} per violation 4XXXX & XXXX BXXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States Ihave 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. 
Please delete late payments immediately, unless you want to be held {$1000.00} per violation
Consumer complaint received 2024-01-23
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On or about XX/XX/ the IRS made a deposit of XXXX in my savings account ending in XXXX. I was out of the county starting from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. On or about XXXX XXXX XXXX I received notification through email and text message to my mobile phone about some irregular transactions with my checking account and savings account with Capital One Bank. I waited until I returned home to make contact with Capital One around XX/XX/. After getting in touch with the bank it had come to my acknowledgement that Capital One had to upon themselves to close all of my accounts and never notified me by email, phone, or even the 3 times I went to branch. At no point in time did Capital One give me notice or even gave me an option to withdraw my funds or make a transfer or no other means to be able to redeem the funds in my account. Every time I would call which up until this point it has been around 10 times in the last month and 4 branch visits and over 30 days has passed. Not 1 member of Capital One has made any type of effort to help me recover my lost funds or account or even discuss with me about the remaining funds in my account or even if I want to close my account and open new ones. CAPITAL ONE AT NO TIME MADE ANY EFFORT TO RESOLVE THE SITUATION. Me and my son have been surviving with the little God gives us and we do ok. Today is XX/XX/ that i am writing this statement praying that maybe Capital One would do the right thing and actually review my account with me and iron this. Up until today I have only received a {$330.00} dollar check from Capital One out of the {$2200.00} deposited on XXXX XXXX XXXX  I have been barred from the Capital One branches due to me being angry about my accounts. As I keep calling every couple of days for progress of course im now getting a different story everytime about where my money from my accounts and also whatever happened to my accounts. Just a few weeks ago when right before XXXX I call Capital One again asking about my accounts. So at this time they then said to me my new accounts had been closed and that they had mailed paperchecks. Well in still waiting on my papercheck from my saving account. So it has gotten to the fact the fact that someone on Capital Ones side has literally altered my transaction history in all of my Capital One accounts. I personally have back dated copies digital and hard copy. Isnt that fraud and unfair and deceptive trade practicing, and like a few other things. This action performed by Capital One was life threating because I was unable to buy food and water and properly house not only myself but also my XXXX XXXX XXXXXXXX XXXX I have given up on the fact that Capital One is going to be in honor. The last time i spoke with Capital One they told me the never issued any closing out checks and that they transfered my funds back into one of my closed accounts.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I am resubmitting this complaint to CAPITAL ONE regarding the presence of fraudulent accounts on my credit report. Despite previously filing an FTC report with the identity theft report number XXXX, I have observed that this fraudulent account persist on my credit report. I had hoped to rely on CAPITAL ONE to safeguard my information and to report accurate credit reports. Unfortunately, my credit report continues to contain multiple inaccuracies, including erroneous balances, dates of late payments, payment statuses, dates of last payments, and violations under FCRA policy and CFPB rules, particularly concerning on this account. To support my case, I have once again attached the FTC report along with a detailed letter of explanation outlining the reasons this account should be rectified or removed from my files. I appreciate your prompt attention to this matter and trust that CAPITAL ONE will take the necessary steps to address and rectify these inaccuracies promptly.
Consumer complaint received 2023-04-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (GA)

My sons SSXXXXI has been deposited into my Chime account every month for a year. Last month I had my 2022 taxes through turbo tax deposited into my account and two additional deposits from a casino website. After I received my Sons SSXXXXI this month Chime closed my account and told me my account violated their deposit agreement. Told me to provide identity proof by sending my drivers license, SS card and proof of residency. I sent all. To which they said due to security they couldnt discuss my account with me. I called and they wanted proof of the DD into my account asking for screenshots to which I provided all documentation. They have told me they will not issue a refund for my sons SSXXXXI and have stopped communicating all together with me.
Consumer complaint received 2024-04-06
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. (UT)

I am writing in response to a letter dated XX/XX/XXXX from XXXX regarding my account ending in XXXX. 

I received form 1099C from XXXX in XX/XX/XXXX for my XXXX tax season/refund. I went ahead and reported it to the IRS as income since the form clearly states in box 2 that {$1500.00} is an amount of debt discharged. 

It's therefore very deceiving that XXXX is indicated in their letter that the debt was not discharged and being reported to the credit bureaus accurately. 

Per the IRS website concerning form 199C, it states as follows : File Form 1099-C for each debtor for whom you canceled {$600.00} or more of a debt owed to you if : You are an applicable financial entity.

An identifiable event has occurred.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 
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
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

Subject : Notice of Egregious Violations of Federal Law - 15 U.S.C. 1666 ( b ), 15 U.S.C. 1611 ( 1 ), 15 U.S. Code 1681n, and 15 U.S. Code 1681s-2 Dear Capital One Customer Service , I trust this letter finds you well, although it is with great concern that I bring to your attention severe and deliberate violations of federal law codes, specifically 15 U.S.C. 1666 ( b ), 15 U.S.C. 1611 ( 1 ), 15 U.S. Code 1681n, and 15 U.S. Code 1681s-2.

Upon meticulous examination, it is abundantly clear that Capital One is in blatant violation of 15 U.S.C. 1666 ( b ) by failing to adopt reasonable procedures for verifying the receipt of billing statements by consumers. The absence of a robust system to confirm whether I, as the consumer, am physically receiving paper statements or accessing electronic statements constitutes a direct infringement of this federal law.

This egregious violation not only questions Capital One 's commitment to compliance with 15 U.S.C. 1666 ( b ) but also undermines the very essence of the law, which mandates creditors to adopt reasonable measures to prevent the erroneous treatment of payments as late for any purpose. 

Furthermore, the disregard for 15 U.S.C. 1611 ( 1 ), which unequivocally prohibits the furnishing of false or inaccurate information, is both alarming and unacceptable. The lack of a reliable verification process concerning the receipt of billing statements calls into question the accuracy of the information reported by Capital One, especially regarding late payments.

I must underscore the gravity of these violations under 15 U.S. Code 1681n, which explicitly addresses willful non-compliance with federal law. Whether Capital One was previously aware or not of its inability to report late payments, this ignorance is no excuse for the severe breaches of consumer rights.

Additionally, I draw your attention to 15 U.S. Code 1681s-2, highlighting that furnishers of information to consumer reporting agencies are obligated to provide accurate and complete information. Capital One 's failure to meet these obligations further compounds the severity of these violations.

This correspondence serves as an unequivocal notice of Capital One 's egregious violations of federal law. Immediate action is imperative to rectify these infractions, and I expect a comprehensive response detailing the steps Capital One will take to correct these issues.

Thank you for your understanding of the gravity of these issues and your commitment to rectifying these violations promptly.

Done in good faith.
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX, XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Capital One is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Capital One the financial institution and the Consumer reporting agencies XXXX, XXXX, XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX Capital One whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Capital One, Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX, XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2024-01-27
Product: Credit 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: CAPITAL ONE FINANCIAL CORPORATION (WA)

I am writing to dispute a charge of {$3100.00} to my credit card account on XX/XX/2023. The charge is fraudulent because of the following reasons : 1. After I was given the final amount, the merchant refused to provide an itemized receipt. The only bill I was allowed to see was the total amount of XXXX XXXX  hand-written on a napkin. 
2. The merchant threatened XXXX XXXX if I did not pay the full amount. 
3. After disputing the charge, the merchant provided a table receipt which only contains two bottles of wine. I have never seen this receipt before. I did not consume two bottles of wine. 
4. The merchant left the room to charge my credit card, and did not provide the credit card receipt for signature. The signature on the credit card receipt appears to have been forged. It does not match my signature as-written on paper. 
5. The place of business given on the dispute XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX was not visited by myself. 

I did not buy or consume the items indicated on XX/XX/2023, and only provided my credit card to protect myself from the threat of XXXX XXXX.
Consumer complaint received 2022-09-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ENCORE CAPITAL GROUP INC. (NM)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX RE : XXXX XXXX and XXXX Midland Credit Management I am writing to dispute the following information that appears on my XXXX, XXXX, and XXXX consumer report : Dispute : Account Number or other information to identify account : XXXX {$920.00} XXXX XXXX  XXXX XXXX XXXX XXXX, OH XXXX Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Explanation of item being disputed : On or around XX/XX/XXXX, I initiated a purchase through XXXX for a daybed. When I received the daybed, I was not able to piece it together as different parts of different sets were sent. 

The smell coming off the set was also intolerable. It smelled like dead animal. 

I phoned the company and spoke with a customer service representative about the process for returning the furniture, as I was not able to piece the bed together or decontaminate from the horrid smell. I was advised to throw away or donate the pieces. I was assured no fees would be charged to my account. ( Ultimately the whole mismatched set had to be thrown away. ) Included are photos of the different pieces that were sent. 

I dispute having any obligation for this debt. 
If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. 

According to the Fair Credit Reporting Act, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate and verifiable and you must complete this investigation within 30 days of receipt of this letter. 

I am promised accuracy in my credit report based on federal law. Under 15USC-1681 all unverified or incorrect information must be promptly removed-within 30 days of receipt of this letter. 

After you have finished my request, send me a copy of my credit report reflecting PERMANENT removal from my report. Update payment history to be paid as agreed, never late, and in good standing. 

Thank you for your assistance.
Consumer complaint received 2024-01-22
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

Capital One Bank ( USA ) N.A advertised a credit card solicitation in which I applied for a credit card. Capital One Bank N.A received an application known as a debt security which their issuer known as Capital One XXXX XXXX XXXX provides and Capital One XXXX XXXX deposits the securities to assign to the trustee to carry out fiduciary duties in the best interest of Capital One XXXX XXXX XXXX and its shareholders. Capital One and all of the other subsidiaries has failed to return my investment and any money I am due. Capital One stated to the SEC that they would pay principal and interest. How is my account being closed if you agreed to apply interest