davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-22
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Long time Capital One Customer. XXXX credit on my personal venture card. Opened a new Spark card with XXXX credit. Before the Spark card arrived Cap One froze my accounts, both of them. Capital One was now requiring some documents for ID and income verification. No Problem ... ... One item they required was your social security card copy. I don't have it with me as I am traveling abroad. It is in a storage center in XXXX XXXX. 

I requested a replacement card from Social Security the day the notice arrived but that takes XXXX weeks ( on a good day ). So I searched the Social Security site and they say you do not need an actual card to prove your number. There are a variety of acceptable documents including a XXXX or XXXX from a bank. 

So I sent along with the other documents a copy of one of my XXXX statement from 2023 that showed my complete SS #. 

They will not accept anything except the blue and red card. XXXX or XXXX conversations with everyone from customer service that could not even see my account since it was fraud frozen to the fraud depart and XXXX different managers on XXXX different calls. They all said the same thing. Its the blue and red card or nothing. 

So the spark card can not be used, but my personal Venture card works just fine, except I can not log into my account via the web or app. I think that Capital One is being unreasonable in their in flexibility to not accept proof by alternate accepted documents. 

For a customer that has been with Cap One for a long time with a high credit limit and a perfect credit record, I feel like I am being treated as worthless or like someone that is trying to scam the system. 

Hoping for some help with this matter.
Consumer complaint received 2024-04-17
Product: Credit reporting 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. (CA)

I have been locked out suddenly out of Experian for XXXX months when I had no issues getting in before. Experian refuses to help me get in, but more importantly, it is a violation of consumer rights because : XXXX. Nobody answers their phone number no matter what extension you choose - you eventually just get disconnected XXXX. It is a security risk to me that I suddenly can not get into my account when I've faithfully logged in every month for years - clearly somebody has hacked my account or Experian just randomly locked me out XXXX. I filed a XXXX complaint and they pretended to help me but did nothing whatsoever to help and I am still locked out XXXX months later
Consumer complaint received 2022-07-05
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: EQUIFAX, INC. (NY)

I've never even tried to apply for any credit cards and they pulled my credit for no reason. Also apparently they ran my credit at a dealership when I was never even trying to buy a car. 

These are the account names : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I've never even tried to apply for any credit cards and they pulled my credit for no reason. Also apparently they ran my credit at a dealership when I was never even trying to buy a car. 

These are the account names : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX
Consumer complaint received 2020-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MA)

Please investigate and remove fraud accounts.I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible. 

XXXX opened XX/XX/2017 account number XXXX XXXX XXXX account number XXXX
Consumer complaint received 2024-06-06
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

On XX/XX/XXXX, a 360 performance savings account at Capital One was opened with a deposit of {$100000.00} ( received on XX/XX/XXXX ). The funds were withdrawn on XX/XX/XXXX, after being maintained in the account for over three months. Under the promotional code XXXX, a {$1500.00} bonus was expected for keeping the {$100000.00} for three months. However, upon contacting the bank last week, it was clarified that the {$100000.00} had to be maintained during the initial 15-day funding period as well to qualify for the bonus. This requirement was not initially understood as the term " funding period '' seemed to imply only the time needed to deposit the funds. This misunderstanding has led to confusion about the bonus eligibility criteria.
Consumer complaint received 2024-06-06
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: CITIBANK, N.A. (IL)

Citi card ending in XXXX was paid on XX/XX/year> and had a XXXX balance on purchases before XX/XX/year>. A number of fraudulent charges were made on this card begining on XXXX {$1600.00}. The company has resolved {$540.00} of these fraudulent charges and claims the issue has been resolved, leaving {$1300.00} of fraudulent charges on the replacement credit card ending in XXXX. 

I have not activated the replacement card ending in XXXX. There have been no charges by me on any Citi card after XX/XX/year>.
Consumer complaint received 2024-05-26
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: Spring Oaks Capital, LLC (TX)

SPRING OAK CAP Stated they have a right to report this debt and that is not true. They were not a party to the original agreement and have no authority to try and extort money from me because they made a decision to purchase the contract. Furthermore the contract acts as a security and I can enforce my rights as the true holder in due course. This is my last warning to Spring Oak Capital to remove this information from my credit report and stay out of my private affairs before you are sued for securities fraud and extortion.
Consumer complaint received 2023-06-27
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

I inherited the family home last year when my XXXX passed. I was in process for a XXXX home safe reverse mortgage to pay off his old reverse mortgage, but when the XXXX  changed the rates the company said they couldn't do it now. Then I applied for the home for all state-sponsored reverse mortgage and they said they were declining me because PHH mortgage  stated the borrower is deceased and they don't recognize me as the successor. I provided them with the documentation from the family trust naming me as the successor trustee. I believe that this is them attempting to steal the house out from under me and get three times the money that they're entitled to rather than simply taking the payment from the state program so that I can stay in my home, I do not want to sell I am staying here.
Consumer complaint received 2022-03-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (VA)

I was sent a Chase ( Sapphire ) credit card without applying for it or requesting it. When I opened my Chase App on my phone ( I have a Chase Amazon credit card ) I saw a second account for The Sapphire credit card and a {$95.00} annual fee. 

I messaged them immediately to remove the fee and close the account as I did not authorize it. They closed the account but the fee still shows on the card. They said it would be 1 to 2 billing cycles before it dropped off. 

I wanted to report this unauthorized practice and request that the company be penalized for it. It caused me anxiety and cost me time I dont have to deal with this nonsense.
Consumer complaint received 2024-05-21
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: ENCORE CAPITAL GROUP INC. (VA)

Midland credit took over two of my credit cards that I tried to tell them the amount was wrong. They were going to take me to court even though they knew Im on XXXX. I worked out a payment plan and even though I had already had my first payment taken out they still went to court and got a judgment against me. After all of that Ive had two months payments taken out and on my report theyre saying no payments made. They want me to email them abd say I do drop the dispute. Then they will help me but only after I put it writing to them.
Consumer complaint received 2021-12-12
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: EQUIFAX, INC. (MA)

I disputed the account because I noticed it was on my credit report and I did not authorize this account. To dispute this account, I mailed a dispute letter, a copy of my FTC report for identity theft, a copy of my police report for fraud/impersonation/identity theft, 3 forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the account was listed, in an envelope sent to the creditor of the account and I also put copies of the same documents in envelopes sent to all three credit bureaus ( XXXX, Equifax, and XXXX XXXX via USPS certified mail with return receipt, this was more than 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their 30-day allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the account, and thus the account must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this account on my credit report because the account was not validated within the required 30-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this account from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. 

The account was already charged off as well so the creditor does not even have the right to report information about this account since they charged off the account to a collections company. 

The information for this account listed on my credit report is : CREDITOR : XXXX XXXX, ACCOUNT XXXX, OPENED XX/XX/2019, BALANCE OF {$4100.00}
Consumer complaint received 2021-12-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION (TN)

I was charged an overdraft fee on a checking account which I setup not to accept charges when money was not there. The XXXX bank funded XXXX charges it should not have them accepted a third and then decided to charge me an overdraft fee. XXXX of the charges were not supposed to have happened and I still got charged the XXXX fee. I was the fees returned to me and the stupid account setup to reject any transactions which could cause it to become overdrawn.
Consumer complaint received 2021-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mesa Auto Finance, LLC (MI)

my rights have been violated according to the FDCPA, 15 usc 1692. As the original creditor and natural person i did not give this company permission to report any of my personal information to any consumer reporting agencies. According to 15 usc 1692d ( a ) ( 2 ), a company can not report anything negative to my consumer report that will ruin my reputation. The FCRA, 15 usc 1681, states our consumer reports represent us. Also, according to 15 usc 1692e this alleged debt is false and misleading.
Consumer complaint received 2021-12-12
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: AMERICAN EXPRESS COMPANY (MA)

I disputed the account because I noticed it was on my credit report and I did not authorize this account. To dispute this account, I mailed a dispute letter, a copy of my FTC report for identity theft, a copy of my police report for fraud/impersonation/identity theft, 3 forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the account was listed, in an envelope sent to the creditor of the account and I also put copies of the same documents in envelopes sent to all three credit bureaus ( XXXX, XXXX, and XXXX XXXX via USPS certified mail with return receipt, this was more than 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their 30-day allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the account, and thus the account must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this account on my credit report because the account was not validated within the required 30-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this account from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. 

The account was already charged off as well so the creditor does not even have the right to report information about this account since they charged off the account to a collections company. 

The information for this account listed on my credit report is : CREDITOR : XXXX, ACCOUNT XXXX, OPENED XX/XX/2019, BALANCE OF {$0.00}
Consumer complaint received 2021-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MS)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : Accounts : XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$190.00} XXXX XXXX Balance : {$34.00} Inquiries not tied up to positive accounts : XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX
Consumer complaint received 2023-06-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (TX)

Shellpoint is acting in bad faith. They are just playing time clock games. 

In complaint, XXXX I asked for an affirmation agreement. 

On XX/XX/2023, Shellpoint got a request for reaffirmation. They failed to acknowledge it. After I filed a complaint, Shellpoint, on XX/XX/2023, Shellpoint claimed that the email was mishandled. 

Now, Shellpoint claims they are working on the affirmation agreement. This is an attempt to run out clock without reaffirming. It gives them time to put in unconscionable terms and and not file a reasonable affirmation in a timely manner. 

Whatever I request, Shellpoint does the opposite in pure bad faith. I tried to reaffirm the note, but Shellpoint likes to play games and create obstacles. In fact, XXXX XXXX spins the bull for Shellpoint.
Consumer complaint received 2021-08-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (MI)

It was not brought to my attention that Chase Bank was refunding NSF fees until XXXX of this year. It turns out, they issued a press release in XX/XX/XXXX that while they *were not stopping the practice of charging the fees* they would reverse the charges should a customer call. Since this information was brought to my attention I have called Chase repeatedly to work on getting over {$7000.00} ( XXXX XXXX Dollars ) in NSF fees reversed that have been charged to me since the beginning of the pandemic. I have explained the nature of my income loss that was Covid related and I was able to get many fees refunded. However, in my latest attempt to get XXXX  fees ( charged between XX/XX/XXXX and XX/XX/XXXX ) refunded totaling {$1100.00} Chase told me it was too late, that I should have called sooner. I couldnt have called sooner, I didnt know this was even an option. Chase did not send a letter, a message to my account from their secure message center or ANY OTHER type of correspondence that would have led me to, in a timely fashion, reach out to get my money back. Instead of issuing a press release that only people who stumble upon would read, Chase could have 1 ) Paused the charge of these {$34.00} fees during the pandemic OR 2 ) Notified their customers that they were offering refunds of these fees for Covid-19 related hardships. I have made 11 calls in the last 8 days to get this escalated. Only today after being given the run around for over a week that " you should see the reversal of fees credtied in your account in 1-2 business days '' was I told " Your request for a refund was denied and there is nothing else we can do '' What we can do is go back to these phone calls ( since they are all recorded ) to find out why I was told this was " in process '' and should be " reflected in my account any day ''
Consumer complaint received 2021-12-12
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd. (CA)

Harris & Harris, Ldt. 
Has been harassing me and calling multiple times a day, stating that they are trying to collect an alleged debt. 
On Thursday XX/XX/2021, I was contacted by an agent, at first, this agent from Harris and Harris ( which at this time, I was not aware that she was actually from Harris and Harris a third party collection agency ) stated that she was calling from XXXX XXXX, and that she was attempting to collect an alleged debt from me, I proceeded to ask if she could send me this information through mail. The Harris and Harris agent 's tone of voice became combative and obscene. The Harris and Harris agent stated that this had been done ; and that this alleged account was now in collections. I then proceeded and asked for a debt validation letter. At this point is when this agent stated that she was from Harris and Harris, a third party collection agency. This agent stated that Harris and Harris could not provide a debt validation for me that I needed to contact the XXXX hospital, that Harris and Harris did not own this bill. I, knowing this information, asked for this agent from Harris and Harris to cease and desist any and all communication with me. 

VIOLATION A Pursuant to ( 15 USC 1692 ) Harris & Harris has violated my right to privacy, as I never contracted with this company, This company has my private information without my consent, I never granted this company permission to have my private information, and medical records. I never granted permission for this company to contact me. This is an infringement upon my consumer 's right to privacy, 15USC 1692, AND HIPAA violation.

VIOLATION B Furthermore, Harris & Harris violated 15 USC 1692 ( e ) and REGULATION F ( 12 CFR 1006.18 ( b ) ( 4 ) ) using false, misleading, deceptive representation. The Harris and Harris agent stated that she was calling from XXXX XXXX which was not correct or true. Misleading me and confusing me to try to collect information and money to pay an alleged debt. I did not have a clear understanding of who I was speaking to, Harris and Harris was misleading and deceptive. 

VIOLATION C Pursuant to 15 USC 1692 ( d ) ( 5 ) and 12 CFR 1006.14 ( B ) -1, Harris and Harris abused and harassed me in an attempt to collect an alleged debt by repeatedly and continuously calling me.

VIOLATION D Harris and Harris violated 12 CFR 1006.14 ( d ) by using obscene and profane language stating that an alleged account was in collections when I simply asked this agent to send this information through mail. 

VIOLATION E I, the consumer, have the right to request validation of a debt, Pursuant to 15 USC 1692 ( g ), and Regulation F ( 12 CFR 1006.34 ( a ) ( b ) ( c ) ) Harris and Harris is not honoring my rights as a consumer.
Consumer complaint received 2021-08-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (FL)

Due to the XXXX  hack, I had been monitoring my information. I was informed of a new account via email. I contacted Wells Fargo and was told that even though the social, name, dob, and all match the account, I could not access it since I stated this account is fraudulent. I found this atrocious. This bank was just punished for fraud, and would not allow a consumer to access an account made by a fraudster in my name, with my social, my date of birth, my phone number, my address etc. they told me I needed to contact a different department in the morning. IE : they wanted to allow the fraud to perpetuate for at least 12 more hours, resulting in the fraudsters being able to change the address, and email associated with the account to intercept the information and apply for other means of credit! NOT TODAY! I called back, totally made my self to be the account owner ( since I legally was ), and had the account closed. This should have happened the first call. 
Stop Wells Fargo from allowing fraudulent accounts to be opened so easy.