davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital one auto finance has indicated that I was 30 days late on a payment for the month of XX/XX/2014. I received a copy of my payments and it indicates that for the month of XX/XX/2014 I made a payment on the XX/XX/XXXX which is 21 days late and not 30 days late.

Thank you
Consumer complaint received 2023-03-18
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. (CA)

RE : You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any consumer or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance ( 3 ) INFORMATION regarding inquiriesExcept as provided in section 1681g ( a ) ( 5 ), a consumer reporting agency can not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.
Consumer complaint received 2022-07-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CHARLES SCHWAB CORPORATION, THE (MN)

On XX/XX/2022 I attempted to access my account online to check my balance. There was a message telling me that the bank needed to verify my identity and to call XXXX. I called and the man asked me several questions that would verify my identity. After about XXXX minutes of questions, he informed me that he would forward a report to the verification department and that it would take 3-5 business days to resolve. In the meantime, I then could see that I had no access to my account. I attempted to go to an atm machine, but after 3 attempts in three different bank ATM machines, I had no access. 
I returned home and called the above mentioned number, and this time spoke to a woman. I told her that this was not acceptable. I was upset, but at no time did I use any vile language, nor did I use language that was threatening. I told her that I was traveling in XXXX and that I needed access to money immediately. She suggested that I go to a branch of my bank to identify myself. I told her that I am traveling and that there is no branch of the bank here. I once again, in firm but not violent terms, told her that I could not go XXXX days without access to my money. I asked her what else she needed to identify myself. I waited for an answer, but I discovered that she had hung up on me! 
So I called back the above mentioned number, and now complained to a third person about the original problem, but also now that an agent had hung up on me. 
I want to know : 1. Is it legal for them to put a hold on my account, while they " resolve '' a problem, when I had answered all questions regarding my identity. 
2. What else could they, behind the scenes, be investigating? The very nature of their questions should indicate to them that only the person on the account could possibly answer them. 
3. What actions may I take against the bank so that this does not happen?
Consumer complaint received 2024-03-26
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (TN)

I will never see a light at the end of the tunnel with this loan and the fees and percent that is charged. Used my car as collateral, and the vehicle isnt even worth the amount of the loan.
Consumer complaint received 2019-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion is reporting an incorrect coding of the XXXX partial account number XXXX. This account is being coded as an XXXX when actually this account needs to be coded as an XXXX. ( Please see page 4 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2018-09-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (FL)

Upon reviewing my credit file to determine the status as well as cause for the status, I noticed several companies that I have no recollection of having any business nor having had/sign any contracts with one behind Convergent. As you questioned, yes Ive attempted to rectify the issue on my own by 1 ) requested validation via the credit reporting agencies directly on XX/XX/2018 ... the responses I received were verified except for XXXX who to date, has yet to respond ( I have sent them an additional follow up on XX/XX/XXXX ). I then took it upon myself to contact them ( Convergent ) directly on or about XX/XX/XXXX or XX/XX/2018 ( attached ). They responded validated because they provided me with a 5 page bill which isnt quite VALIDATINGanything. Im simply seeking assistance in getting this matter resolved.
Consumer complaint received 2018-09-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

I have submitted certified letters to each bureau and each creditor, and I have still not received documentation that backs up the claim. I am writing you as my final effort to rectify the issue. The issue is with all three bureaus as well as the following collection agencies : XXXX XXXX, XXXX, XXXX XXXX and XXXX. 

Here is a recap : I sent a validation letter to each of the following companies listed below. I requested that they validate the validity of the debt that they are currently reporting on my credit profile as negative. 
o XXXX XXXX dated, XX/XX/18 and mailed certified XX/XX/18. 
o XXXX dated, XX/XX/18 and mailed certified XX/XX/18. 
o XXXX XXXX dated, XX/XX/18 and mailed certified XX/XX/18. 
o XXXX XXXX dated, XX/XX/18 and mailed certified XX/XX/18. 
To positively prove that a debt is mine, the creditor must provide the original documentation that I filled out and signed. 
They didnt even respond, and it has been well over 30 days ; almost 4 months to be exact! 
Besides, how do I owe a company that I have NOT agreed to do business with? 
I have not signed anything with either of the companies listed above!
Consumer complaint received 2022-07-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC. (NC)

I am a victim of identity fraud and have contacted the creditor who reported an apartment rental in negative/collections to the credit bureaus and informed them that the account doesn't belong to me and is the result of identity fraud and that I will be able to furnish proof of resident history during the time period of the apt . and verify the social they used to obtain the apartment don't belong to me the only similarity was my first and last name and not my middle name the information they have is inaccurate both bureaus XXXX and XXXX have realized the inaccurate information and have removed the collection off my credit report XXXX has been the only bureau not complying.
Consumer complaint received 2019-05-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (LA)

Ive had to ask CFPB for assistance with JP Morgan Chase before. Im going through a very volatile divorce. On XX/XX/2019 my ex husband stole my wallet and my phone. He made a purchase of {$510.00} on the XX/XX/XXXX. On XX/XX/XXXX he made purchases of {$29.00}, {$30.00}, and withdrew {$1000.00} from my bank account. Chase refunded the {$510.00}. However they are refusing to reverse the rest of the charges stating that the signiture looks similar and he used my debit card. They even we so far as to say they dont know who should let him withdraw money with a XXXX id. I dont know either but it was not me and I need my money back. They insisted they sent me letter. I received a secured message a week after they told me they denied my request and they are refusing to allow me to appeal the decision.
Consumer complaint received 2019-05-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: DISCOVER BANK (GA)

On XX/XX/2019 I received an email from Discover Bank stating if I didn't contact them by XXXX ET that {$4000.00} would be wire transferred out of my savings account. Thinking it was a scam I didn't call the phone number on the email, instead I looked up their number on the Discover Bank website. 

I was informed at that time ( before XXXX ET ) that there was indeed a {$4000.00} wire transfer request. After several security questions Discover realized I was in fact the owner of the savings account. They stated that they would stop the wire transfer. I was given a new Savings account number and my savings balance was transferred to the new account. Apparently, around the same time, the scammer was also on a call to Discover, I guess verifying the transfer. 

I took action and put a security freeze and fraud alert on all the credit agencies. 

On XX/XX/XXXX, I found out the transfer was made when I checked the Discover Bank website and noticed my account was missing {$4000.00} ( {$30.00} transfer fee ). I talked to the Discover Bank fraud department ( " XXXX '' ) on XX/XX/XXXX. I was told by someone at Discover that the {$4000.00} would be back in my account within 7 to 10 days. 

I reviewed a new credit report and the scammer 's address was now on my credit report. 

I emailed, called-left a message, and emailed again the XXXX XXXX Police Department. No response as yet. 

During this time ( XX/XX/XXXX - XX/XX/XXXX ) I've received several emails and phone calls from Discover only to realize the scammer is still in contact with Discover and the scammer has been able to change passwords and change security answers. She was also able to change my new verbal password! No one was supposed to get through if they were unable to provide the verbal password and the scammer was able to change it!!!! 

I checked my savings account online everyday. When the time had passed I called again and they said it just takes time. 

Kept checking my account, no changes, called back several more times. On or about XX/XX/XXXX the Discover rep said it takes time, they are waiting for a response from the bank recipient. While the representative wasn't exactly rude, his tone and things he said made me feel that I may never get the money back. 

I talked to the Discover Bank fraud department rep " XXXX '' today ( XX/XX/2019 ) and was told that the {$4000.00} wire transfer was not covered, basically telling me I may never see that money again. 

I called XXXX XXXX 's consumer team and they referred me to the State Banking Authority and a message referred me to Consumer Finance. 

While not mentioned above, I will also be filing a complaint against Discover Card as my credit account was also compromised. 

Thank you.
Consumer complaint received 2023-03-18
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. (AZ)

Upon checking my consumer report I notice inquiries in my account that I am not liable for. Please validate and remove them as they are not mine. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-09-08
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: Experian Information Solutions Inc. (PA)

Experian complaint # XXXX response back on XX/XX/XXXX is that Experian is opt me out of marketing and promotional in fact I was already opt out since XX/XX/XXXX and have proof to where Experian responded back to the CFPB about the issue of opt out. So now Experian says I'm on opt out I never stop. I also got all these companies tracing back to pay day loans that they claim is Experian. I also file a complaint and supplied the letter from Experian I'm opt out as proof. I'm not going to play the games and XXXX by Experian and lies. I been opt out for 2 years and update by letter to being opt out. it seems like fraud so we let the US attorney office look into the issue. I also see other people have filed on Experian as well to the issue at hand. It's nothing but words botch and lies to the fact of the matter that as of XX/XX/XXXX I'm opt out of something I was already done and now Experian twist it in another matter. See you in court
Consumer complaint received 2018-09-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc. (FL)

One XX/XX/2018 I sent a letter to XXXX XXXX XXXX requesting that they validate the debt for the accounts they are posting on my credit report. I have asked for the original contract as I do not recall having any accounts with them, neither have I authorized it. 

They have responded on XX/XX/2018 with generic information from all three accounts stating that at the time of the sale, the Seller provided an electronic file of its business records concerning the account. This tells me nothing about the original transaction. They don't have any of the information I asked for. They haven't provided me with the contract mentioned before, verification procedures of how my identity was confirmed prior to opening these accounts. They have been providing other information, however not the most important ones. 

PRA doesn't have the right to continuously report and hurt my credit without being able to properly verify these items they are reporting on my account.
Consumer complaint received 2018-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

I been a victim of identity theft I have 2 collections accounts on my report one XXXX  and the other XXXX that were open fraudulently in XX/XX/2017 I also have a bankruptcy thats reporting that was not done by me I have submitted all necessary documentation and also a police report these 3 items are effecting me tremendously Im trying close on a home and this is stopping me from achieving my goal. By law a dismissed bankruptcy do not have to remain on a credit report Although it is your policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''. 
Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent. 
Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, you must delete this information from my credit report and send me an updated copy when this action is completed. 
Considering that this does not require an investigation, I would appreciate your response within 14 calendar days from receipt of this letter.
Consumer complaint received 2018-08-22
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC (NC)

Already made one complaint about this company, to provide me with proof of the debt, that the debt is mine, and the collection agency XXXX XXXX XXXX indeed bought the debt. They have provided that, but this debt wasnt paid since XXXX. I have never got any letters about payment or lawsuit form XXXX XXXX XXXX. What I read about the lawsuit agreement between the consumer financial protection nurse and XXXX XXXX XXXX, they arent supposed to be able to, attempt to collect from debt that has passed the statute of limitations, and or post negatively on peoples credit it they dont either have the appropriate paperwork, or if the debt is uncollectable due to the statute of limitations. The statute of limitations on private student loan debt is 3 years in North Carolina. Again this hasnt been paid upon since XXXX. I understand that this debt will be placed in charge off status, and still be seen on my credit report. I am trying to start over and become a homeowner again, and cant due to this negative posted collection for XXXX $ that is past statute of limitations for collecting and a lawsuit. I am asking for XXXX XXXX XXXX to charge off this uncollectable debt, and stop posting negatively upon my credit report as agreed upon by XXXX XXXX XXXX vs the consumer financial protection bureau.. thank you for your time with this. I have not made XXXX XXXX of new debt since XXXX, and have either paid off or charged off a total of XXXX $ in student loans and credit cards. Thank you for assisting me to be a homeowner again.
Consumer complaint received 2019-05-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (CA)

Many issues with Flagstar Bank : 1. We purchased a home with the builder of our home and closed on XXXX XXXX. 
2. The loan service was XXXX XXXX. 
3. We paid our mortgage ON TIME. First loan payment was XX/XX/XXXX. Second payment was onXX/XX/XXXX. 
4. WITHOUT BEING TOLD ( we did not receive a letter from XXXX XXXX ), they " sold '' our loan to Flagstar. First time we were notified wasXX/XX/XXXX by Flagstar Bank that they had our loan. The letter stated we owed them for XXXX AND XX/XX/XXXX payment. 
5. I immediately called XXXX XXXX and Flagstar Bank. Both had a descrepancy on the " loan sell '' date. XXXX stated XX/XX/XXXX, therefore they keep my XX/XX/XXXXpayment, and Flagstar stated it was XX/XX/XXXX, therefore they keep my XX/XX/XXXX payment. 
6. Flagstar then proceeded to tell me to " double pay '' my mortgage. And that way they will " reimburse me '' when it gets settled. I told them I am NOT interested in paying a double mortgage, when the FAULT IS THE INSTITUTIONS. Not mine. 
7. I have several documents showing the exchange, my payments, etc. 
8. I then receive a confirmation email by XXXX XXXX by Flagstar Bank on XX/XX/XXXX stating that she received an email from XXXX stating that they will receive the payment and she was " sorry it took so long to resolve the issue ''. 
9. They still have not fixed the account. I have been paying the mortgage every month and writing them a confirmation # that the mortgage I am paying is for the on-time month payment, since they have NOT fixed my account. 
10. This has affected my credit.

11. Additionally, they are saying that I owe them money now for home owners insurance and property taxes WHICH HAVE BEEN PAID and I have sent them documentation of proof. Additionally, I have a PMI wrapped into my mortgage payment and they are saying I never paid that and that they were taking it out of my escrow. Which is FALSE. My mortgage payment is with the PMI of {$320.00} built in for a total of $ XXXX/month that I pay. Now they want me to pay them an additional {$3100.00} because they said I never paid them. 
12. I am on the phone with them at the moment, and they said that their internal departments DON'T SPEAK TO EACH OTHER and therefore they have no proof of payment nor email exchanges, nor that there was a previous lender. 
13. THIS FEELS VERY PREDATORY.

14. I pay all my bills on time. I am very responsible. I work very hard to provide for my family and my community as a XXXX. I have now spent over 80 hours of my time in the last 3 months to resolve their institutional problems that is AFFECTING MY CREDIT AND MY BANK ACCOUNT.

15. Please help. This is just unacceptable.
Consumer complaint received 2018-09-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (IL)

I keep contacting Chase about my Checking account and spoke to about 35 different Chase employees all contradicting one another. Chase employees have blamed me for actions that took place on the Chase online banking platform. I have clearly been a victim of identity theft. Chase also has made insinuations that maybe my boyfriend or family member has done this to me. On top of all the fraud on my credit and checking account. Chase has the nerve to send countless letters to my home that further contradict what I've either have been told via phone. I don't have online banking so I can onky go by what Chase employees inform me of. I'm putting this complaint just for not being treated respectfully or fairly. I just want answers and I can't seem to get a clear answer regarding when my {$3700.00} will be returned to be that has been stolen from my checking account via Chase online banking, just the trouble I've dealt with from Chase employees deems reason enough to get my money returned not to mention it was Chase online banking platform where the stealing happened. This is identity theft as well as a financial crime because someone besides me accessed my account and stole {$3700.00} of my money.