davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Hello, Thank you in advance for your help. My Capital One credit card was recently closed and my account was sent into collections with a third party debt collection agency during the COVID pandemic without Capital One ever sending me a bill or calling me to inform me I had payments that were owed. I only found out about this issue when I received a bill from the debt collection agency in the mail. I promptly called Capital One but they referred me directly to the third party debt collection agency. I asked the debt collection agency for more information about my bill to verify if this was in fact true and they said they could not provide a statement and I had to speak to Capital One. Capital One could also not provide a statement so given the bill was only for {$250.00} I went ahead and paid it off.

That being said my credit scorXXXX has been severely impacted as it shows an unpaid credit card bill that was sent to charge offs. I have been unable to qualify for a mortgage or auto loans because of this issue. I feel it's very unjust that Capital One can just destroy my credit score without ever even calling me or sending me a statement. The fact that this also happened during the COVID pandemic is just more insult to injury. I've tried to call Capital One for help to no avail. A few weeks ago I spoke with a supervisor at Capital One named XXXX who gave me the identification XXXX for my reference. He was not able to help me with my complaint. I told him Capital One never sent me a statement or called about the charge off and I did not have any proof I even made the payment. He had nothing to say to refute any of this. The only thing he did tell me that was useful was that the original bill was {$45.00} and all the late fees that they added, despite not calling or sending statements, led the bill to escalate to {$250.00} before they charged it off. That's frankly even more insulting. He told me Capital One would not be able to correct this issue on my credit report despite having paid the bill off.
Consumer complaint received 2022-12-13
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: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and updated from erroneous reporting in my file are listed on my credit report. 
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 2022-02-22
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: Experian Information Solutions Inc. (FL)

My name is XXXX XXXX XXXX, There is no third party involved. I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2022-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

After attempting multiple attempts to resolve these law violations the creditors and bureaus are liable for i am reaching out to cfpb to deal with this horrible mess. 

according to 15 us code 1681 eb- its the consumer reporting agencies job to ensure maximum possible accuracy when deal with a consumers information. Because they didnt this was and still is an obvious violation and fcra law states any inaccurate information found and disputed if correct should be removed from report, each bureau has failed to acknowledge my dispute letters. I demand these accounts to be removed off my credit report asap. so many inaccursies its not even funny from dates opened to the remarks which also is a violation because the consumer agencies arent holding the creditors liable for reporting false and inaccurate information, they are all responisble for these issues causing me a great deal of distress. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-13
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: Credit Corp Solutions Inc. (KY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXXXXXX account number ending in XXXX in the amount of {$990.00}, Reference number XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2022-07-08
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: Experian Information Solutions Inc. (FL)

1. Facts matter, 2. Payments made, no matter how " early '', deduct from the balance, and, eliminate a scheduled payment ; unless otherwise noted [ ie : extra principal only '', etc ], a. those early payments are also and should also be included in whatever method used by that credit reporting agency to generate or calculate their assigned " FICO Score '', b. I have three monthly accounts that I pay ( approximately {$2000.00} ) all are XXXX ( XXXX ) months in advance [ ie : by XX/XX/XXXX all had already been paid for both XXXX and XX/XX/2022 are already paid on all three ( XXXX ) accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] and have been for nearly XXXX ( XXXX ) months now, c. None of those accounts were/are accurate as it relates to my Credit Report also the payments made/received and therefor the balance due, save XXXX XXXX  has finally began generating timely accurate payment coupons { but their issues deepen }, or deliver payment demands that accurately reflect that next payment due in a Reasonable Timely Manner, 3. Therefor the Final Product { ie : an analysis of my Creditworthiness } is not and can not be accurate [ I contend the same to be true for all three Credit Reporting Agency ( s ) ] or relied upon, 4. Moreover the assertions contained within my electronic data that caused XXXX XXXX to issue a Notice of Adverse Action was now in hindsight based up not only wrong data but also simple poor math and misunderstanding what it means to be a XXXX Veteran as it relates to the Debt-to-Income ratio as most lenders know that XXXX XXXX receive more of their monthly allotment because there aren't those levy ( s ) on " earned income '' These two issues need to be addressed but most certainly the idea that the reporting entities can or have even asserted that those gathering the information " do not allow the recording of early payments ''. Maybe a better understanding of Veteran and XXXX compensation would help not only lenders but Credit Reporting Agencies facts on which they can rely as opposed to painting all " income '' with one brush.
Consumer complaint received 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CO)

XXXX Consumer Financial Protection Bureau, On Tuesday, XX/XX/2022 I sent a letter by United States Postal Service First Class Mail to Experian Credit Reporting Agency of California in regards to Experian deleting information off my Experian credit report that still appears on my credit report after seven years of opening a line of credit with the merchant. The account has closed, however the account still appear on my Experian Credit Report. Also, CFPB I sent Experian Credit Reporting Agency an email asking Experian to update my demographics in my Experian account. CFPB, as of Tuesday, XX/XX/2022 Experian Credit Reporting Agency havent responded to my letter.
Consumer complaint received 2022-07-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

On XX/XX/XXXX Capital One sent an email indicating that they were restricting my Capital One 360 accounts until they could verify recent activity and that they may contact me to confirm this activity. The email also indicated that based on the results of the review the accounts may be closed and the balance plus any interest earned would be transferred to my linked external account. On XX/XX/XXXX I called the number listed on my online account and spoke to a customer service representative who informed me that Capital One had decided to terminate my banking relationship with them and was closing the accounts but could not provide any additional information due to an investigation. She said that someone would contact me within 2 business days to provide more information. I contacted Capital One again on XX/XX/XXXX after I didnt receive a call and was automatically routed to a voice mail for Capital Ones Customer Protection Resolution Team due to the status of my accounts and I left a voice mail with the required information ( including account numbers, callback number and name ) expecting a call back within 48 hours as stated on the message. On the same day, I sent a letter to Capital One requesting that someone contact me regarding my accounts and the next steps. I have called back four more times since then and have left multiple messages requesting a callback to no avail. I have also sent another letter on XX/XX/XXXX to the address provided in the email for the Customer Protection Resolution Team with delivery confirmation and have found that the letter was automatically forwarded to another address and has yet to be delivered. At this point, the original balance on the accounts as well as funds from a wire transfer that I was unable to cancel remain frozen on the account without any further communication ( verbal or written ) from Capital One. I have had two out of the three accounts currently locked since XXXX and never had any issues so Im not sure what prompted the investigation or lack of response from the bank. Since I am unable to speak to a person ( I went to one of the branches and they told me to call the same number I have been calling all along ), I would like to file a formal complaint against Capital One.
Consumer complaint received 2022-12-13
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX Letter Dated : XX/XX/2022 ACCOUNT # : XXXX VIN : XXXX FIRST ATTEMPT Attempted to pay deficiency owed in the amount of {$3200.00} Toyota won't work with me in attempting to pay {$25.00} to {$30.00} a month until total amount is paid. 
SECOND ATTEMPT : Asked if they could provide a credit amount on a credit card as to fix my credit rating with all Credit Bureaus. It would look good on my credit file and at the same time pay them what is owed. But they won't do that either. 
I am willing to give them a second chance on the second attempt and we would both come out winners. All I need is a credit card issued by any of Toyota subsidiaries. Just enough credit on the card to pay off the deficiency and show them that I fell on hard times as I told their Collection Agency. The young lady at the Collection Agency was courteous and a professional. She understood the hard times that came due to the COVID19 pandemic. 
I would not use the card until the full balance is paid for. PROMISE
Consumer complaint received 2022-07-26
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. (GA)

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692, The only address I live at and that should be reported on my credit report is : XXXX XXXX XXXX XXXX XXXX  GA XXXX Addresses That needs to be removed : - XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX XXXX - Account Number : XXXX DEPTEDXXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX - Account Number : XXXX XXXX - Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX - Account Number XXXX XXXX DEPTEDXXXX XXXX  Account Number : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have 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 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 U.S. Code 1681 ( 4 ) 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.

I have sent numerous letters via Mail and have not had a response back yet.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies it 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.

I have provide screen shots of inaccuracies and responses from the the credit Bureaus. I was still ignored and the inaccurate information is still on my credit report I have provided my government issued Identification so the process is not delayed
Consumer complaint received 2022-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

I have asked this company several times to correct the personal information on my credit report. It has been such a struggle to get them to report the correct information. You continue to report addresses to my profile that i have not lived at. I will attach again the only and proper name, and address that should read on my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is my only employer. 
Please correct this on my credit report.
Consumer complaint received 2022-12-13
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: CAINE & WEINER COMPANY, INC. (MA)

CFPB WRITE-UP In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights.

15 USC 1681 Section 602 States | have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-02-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/2021 Capital One rejected my application for an extension of credit, which I extended to them via my open end credit plan ( Social Security Card ) this is a clear violation of my rights as the original creditor pursuant to 12 US C 1431, I responded to the denial and Capital One responded in the same fashion, with a letter that did not address the matter at hand. I then sent the another letter detailing the violations of federal laws that they ( Capital One ) has committed against me and they outright refused to address the issue pursuant to Federal Law. Their responses fail to address 15 US C 1681m violating me the original creditor pursuant to 15 US C 1602g. The evidence will be attached, which are my attempts to rectify this situation amicably.
Consumer complaint received 2022-07-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL (FL)

I reviewed my credit report and found a collections for XXXX XXXX XXXX. I disputed the account with the credit reporting agencies and XXXX XXXX sent me a letter home sending documentation that included two statements from Synchrony Bank with dates XX/XX/XXXX and XX/XX/XXXX along with a " soldletter '' dated XX/XX/XXXX. I have never recived a " soldletter '' from either XXXX XXXX nor Synchrony Bank ; and said documents do not validate this alleged debt ; additionally, I was not aware this alleged account had been allegedly " sold '', I never received a first communication letter from XXXX XXXX  for said collections of this alleged account. 

As an informed consumer and as per FTC report " The Structure and Practices of the Debt Buying Industry '' published/dated XX/XX/XXXX ; I request from XXXX XXXX the forward-flow agreement they signed with Synchrony when they purchased said alleged debt. 

I also request XXXX XXXX to provide : ( a ) the portfolio identification number; and ( b ) all information about the portfolio the Company obtained or obtained access to from the seller at the time of purchase, including the schedule of accounts and the bill of sale, and total purchase price. 

As per the FTC report, one of the findings was ... " Contracts revealed that both sellers and buyers knew that some accounts included within a portfolio might have incomplete or inaccurate data, including data on important information such as the then-current balances on accounts. '' With that in mind, how can either company continue reporting and attempting to collect debts that are incomplete? 

I demand this account to be zeroed out, and deleted from XXXX XXXX 's systems as well as Synchrony Bank, and for this alleged account to stop being reported to any/all credit reporting agencies. This negative item on my consumer credit report has caused a negative impact on the extension of my credit causing to be denied as well as high-interest rates. It has and continues to harm me directly as well as causing a monetary struggle and setback.
Consumer complaint received 2022-07-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (PA)

I currently have an outstanding balance with the company. On XX/XX/XXXX, I entered into a payment agreement with the company, agreeing to pay {$59.00} per month until the outstanding amount of {$1200.00} was resolved in full. I did this with the full intention of paying more than was necessary so as to pay down the debt quicker. After this payment plan was established, I began receiving monthly bills from the company despite my paying each month. 

On XX/XX/XXXX I received a final notice requiring me to pay the amount of {$230.00} for services provided on XX/XX/XXXX. A payment satisfying the amount was made on XX/XX/XXXX. On XX/XX/XXXX I received a second final notice requiring me to pay the amount of {$110.00} for services provided on XX/XX/XXXX. I mailed a check to the company on XX/XX/XXXX for the full amount. On the same day, I received a letter dated XX/XX/XXXX from Credit Collection Services saying that the company had transferred my debt in the amount of {$230.00} to their collections service. The debt is for services provided on XX/XX/XXXX. In spite of the fact that I paid the full balance required of me, the company transferred my debt to a collections agency and continues to send me final notices via mail, despite my continued repayment of the debt. 

I called the company on XX/XX/XXXX looking for a resolution to the issue. A company customer service representative informed me that, while they would open an investigation into my issue, they could not guarantee the collections transfer would not impact my credit score or account standing. I was given a case number and told to call the collections agency, that they would be able to address my concerns. Upon calling the agency, I was placed on hold for 45 minutes and then told that their service center had closed for the day. While the company has told me that they would communicate the error to the collections agency, I currently have no way of ensuring that is the case as the representative I spoke with stated that the company does not provide written proof of the communications or proof of payment to the customer.
Consumer complaint received 2022-09-27
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. (DE)

Recently I did an investigation on my consumer report and it caused severe XXXX upon me. According to the Fair Credit Reporting act XXXX, XXXX and EQUIFAX has violated my rights as a federally protected consumer. 
-15 USC 1681 ( a ) ( 4 ) : states that I have a right to privacy -15 USC 1681b ( 2 ) : states that a consumer reporting agency may not furnish an account without my written or oral instruction. 
-15 USC 1681 ( a ) ( 3 ) : it is an obligation that any consumer reporting agency exercise their grave responsibility with fairness, impartiality, and respect for the consumer 's right to privacy Here are the errors as follows : 1. XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX 2. XXXX XXXX XXXX  OPEN DATE : XX/XX/XXXX 3. XXXX XXXX XXXX  OPEN DATE : XX/XX/XXXX 4. XXXX XXXX OPEN DATE : XX/XX/XXXX 5. XXXX XXXX XXXX OPEN DATE : XX/XX/XXXX 6. XXXX XXXX OPEN DATE : XX/XX/XXXX 7. XXXX XXXX OPEN DATE : XX/XX/XXXX. XXXX 8. XXXX  XXXX OPEN DATE : XX/XX/XXXX. XXXX