davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XXXX XXXX XXXX XXXX XXXX XXXX, CA. XXXX ( XXXX ) XXXX XXXX XX/XX/2020 To whom it may concern : Consumer Financial Protection Bureau On XX/XX/2020 I received an email from Capital One informing me that my credit card account ending in ( XXXX ) was past due and that I had incurred a {$28.00} late fee over a {$1.00} difference in my minimum payment ; meaning that in XXXX I paid a {$27.00} minimum and for some reason it changed in XXXX to {$28.00}? 

I paid {$27.00} as I did last month ( this will be added to the complaint ) but the amount changed for some reason? During these trying times they couldnt contact me or email me or waive a {$1.00}? 

I just dont buy the excuses that I have gotten from speaking to several supervisors and agents who honestly did not offer to help me at all and in fact took my {$1.00} payment over the phone on XX/XX/2020. 

This was a shock considering I paid both payments on my Capital One cards on XX/XX/2020 with my debit card ending in ( XXXX ). I am attaching my bank statement with the payments to Capital One on XX/XX/2020. I am also attaching the email that was sent to me today on XX/XX/2020 as well as the statement showing a {$1.00} amount. 

According to Capital One I still owe them {$1.00} yes thats right {$1.00} I am being charged a late fee of {$28.00} because of {$1.00} that was not paid. The minimum amount changes monthly from one month to the next. The reason for this change is due to the card being used according to Capital One but I have not used the card in a few months because I have been trying to get my card in good financial standing. So this constant changing of amounts is concerning to me for several reasons. The first is the late fee and my credit score going down 9 points this month ; which I am also attaching to this complaint. 

With everything thats going on and I am XXXX with XXXX I could have used that money to buy facemasks this month or other medical related items that I need but I paid my credit card company early and they could not contact me over the phone, or email me or simply waive a {$1.00} fee? Really? Capital One? Really? Is this legal? 

I did in fact pay the {$1.00} as of XX/XX/2020 when I was made aware of the situation. I have been paying all of the late fees on both of these cards but this situation is wrong ; its just not right. 

I want the late fee removed from my account and I want my credit score fixed by Capital One and I also want to know why? They are not reporting early payments to the credit reporting agencies? When I make them early? If we report the negative we need to report the positive too! 

In my opinion Capital One took advantage of the situation and was trying to obtain late fees and thats why they keep changing the amount on the minimum due each month. 

Thank you XXXX XXXX
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2020-04-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (CA)

Midland Funding LLC apparently is a junk buyer of allegedly old or uncollected debt purchased from different creditors. They have been sending me bills periodically through the mail claiming that I owe the debt to them, even though I don't know who they are. They claim that they bought an old credit card account from XXXX XXXX XXXX  with whom I once had a credit card account. I did not receive any notification from XXXX 's that my account had been sold, nor did I receive a letter from Midland with the appropriate written legal proof that the rights to collect on this debt, was now theirs. I have called Midland Funding LLC who refers me to another company called Midland Credit Management ( supposedly in XXXX XXXX ) who tell me that the only documentation they have is a few copies of my old credit card bills with XXXX 's XXXX. In my phone calls to Midland Credit I've asked for a copy of the assignment of XXXX 's rights to this credit card, over to Midland Funding LLC or Midland Credit Management. Their response to me is that all they have are documents ( copies of old bills dating back in 2013 ) showing up on their website under my name, and that should be enough proof. Clearly, that is not enough or adequate proof showing that they have any legal rights to collect money from me for this old XXXX 's credit card account. I have had several identify theft problems over the past several years and am getting tired of trying to rectify problems resulting from the identity theft problems. I've asked them to send me a letter stating that they will delete this entire derogatory credit line from all 3 credit bureaus against my name/social security #, but they want me to pay them first even though they refuse or can not provide proof that they have the right to collect on this XXXX 's acct. Today, via a phone call I asked to speak to one of their attorneys. They put me on hold at XXXX my time, and no one ever picked up again. The Midland Credit Mgmt and Midland Funding have a corporate address in XXXX XXXX, CA. I am in the same time zone as XXXX XXXX. The woman who put me on hold, told me that she thought that office had already left for the day and I wouldn't be able to speak to their attorney. I asked her if they normally work to XXXX, to which she answered " yes ''. I reminded her that it was only XXXX and they should still be at the office. That's when she said she would transfer me to their XXXX XXXX office, then she put me on hold. Before doing that, I asked for the corporate phone # in their XXXX XXXX office, and she told me that they don't have a direct phone #. I have also called XXXX 's XXXX  and they say they have no record of the account nor to whom it was sold, if at all.
Consumer complaint received 2023-08-20
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: ALLY FINANCIAL INC. (FL)

15 U.S.C. Sec. 1681i ( a ) I heard that if you cant provide proof, these accounts must be deleted. Well i want these accounts deleted if they are not percent right and correct.
Consumer complaint received 2024-08-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2023-08-09
Product: Credit card or prepaid 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: BARCLAYS BANK DELAWARE (MO)

received my statement from barcleys upromise account and was charged over XXXX dollars from XXXX XXXX called company and customer said they would refund the amount and send me a new card aprox the first week of XXXX pulled up my new account and more charges were added to the new card so I called customer service again and was told the first person was wrong and they couldnt stop XXXX from charging me to get ahold of XXXX which I did and they said I didnt have an account with them called customer service back and explained to them I didnt have an account with them and they said there is nothing they could in the mean time XXXX charged my new account over XXXX dollars my only solution was cancel the card which I did
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

To whom it may concern : When I made the decision to use my rights under FCRA, it was with an eye on challenging any information found in credit reports that are not accurate. By fighting back against this injustice, I am ensuring that the information on my credit report is accurate and reliable. I have every right to challenge any inaccuracies in a manner compliant with federal law when they are negatively affecting me financially because of their accuracy or completeness. This is just an allegation. There's no proof that I'm delinquent or derogatory, so how can you report this? With all due respect, the claims within my report are wrong! You have to follow proper procedures if these claims are in your system and to be used in my credit reports! I challenge the accuracy and fairness of your findings by demanding evidence before you make any claims and take such drastic measures against my reputation. I know that you cant just decide which rules apply to your organization, so I won't let anyone report any false claims. it's important to make sure all of your claims are accurate and reported in the correct format- this is required by law ( FCRA ) as well as Metro 2 standards. For any negative account I demand documentation / proof proving why your company considers it delinquent or derogatory. You have yet to provide me records documenting how your company verified and validated these accounts/ claims. Your proof of each negative claim you placed on my credit report should also include proof of a permissible purpose for any inquiry into the account. It's time for me to get my life back! I need you to send over some physical proof of what has been done and an updated credit report. Either confirm that this matter has been reported correctly or remove it from the report immediately. I am giving you 30 days to investigate. These allegations are without merit. Please provide accurate and verified information for each claim. If any of these claims are not true, please delete them immediately so I can restore my good name.
Consumer complaint received 2023-08-22
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. (NJ)

I was a victim of Identity theft and after checking over my credit report with all 3 bureaus I have noticed inquiries that I am not familiar with. I have submitted letters to XXXX, XXXX, and Experian, as well as to each of the creditors to try and get the inquiries removed because I did not authorize my reports to be pulled. I believe they may be a result of my identity being used by someone else. I have placed fraud alerts on my reports. I am now in the process of cleaning up my reports and taking the proper actions to try and get everything resolved. These are the inquiries I do not recognize. 

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 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

This company has violated my right to privacy and has unlawfully reported inaccurate information to the credit reporting agencies. When a creditor forgives or writes off a debt of {$600.00} or more, they are required to report this amount to the IRS using Form 1099-C ( Cancellation of Debt ), and they must also provide a copy of this form to the debtor. The debtor is then required to include this amount as income when filing their tax return. In which I have not received a copy of.

26 U.S.C. 61 ( a ) : This section defines " gross income '' as " all income from whatever source derived, '' which includes income from the discharge of indebtedness ( i.e., when a debt is forgiven or canceled. Income can not be reported on a credit report.

o Section 602 ( a ) of the FCRA ( 15 U.S.C. 1681 ) prohibits furnishing inaccurate information to consumer reporting agencies o Section 604 ( a ) of the FCRA ( 15 U.S.C. 1681b ) states that a consumer reporting agency can not furnish information about an account without the consumers written instructions o According to 15 U.S.C. 1692c, a debt collector may not communicate with any person other than the consumer ( or their attorney ) regarding a debt without prior consent from the consumer or express permission from a court o Under 15 U.S.C. 1692g ( b ), if a consumer disputes a debt in writing within 30 days of the initial communication, the debt collector must cease all collection activities until they obtain verification of the debt and provide it to the consumer. 

This company refuses to validate any information requested. I recently reported this company they responded informing me that they sold my information to another company. Therefore I am demanding that Immediate Deletion of this account from all consumer reporting agencies and the Cessation of Any Negative Reporting related to this account, including the removal of any adverse information that has been reported.
Consumer complaint received 2023-08-09
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. (MD)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-11-03
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Continental Credit Control (CA)

On XXXX XXXX I checked my credit with XXXX, XXXX and XXXX and collection company placed a collection on Medical Billing in which my XXXX XXXX covers my health insurance. 

I am Retired, XXXX Lifetime and XXXX XXXX Honorable Military Veteran. 
I am on a fixed XXXX Retirement income and can not be paying debts that I don't owed. 
My Health insurance should pay the {$450.00} debt on Medical billing. 

I wasn't notified of any debt.
Consumer complaint received 2018-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXXXXXX XXXX is illegally reporting the following accounts on my credit report : Account # XXXX ... XXXX Account # XXXX ... XXXX Account # XXXX ... XXXX I have disputed these accounts several times requesting XXXXXXXX XXXX to provide physical verification in XXXX, XXXX, & XX/XX/2018. Per my rights, I requested a copy of the original contract with my signature that says I agreed to pay for this debt. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through physical verification of the original signed consumer contract for any and all accounts you post on a credit report within 30 days. XXXXXXXX XXXX refuses to provide me a copy of a legal agreement/contract with my signature ; therefore, they must REMOVE all 3 accounts from my credit report. 

XXXXXXXX XXXX has responded by sending me generic system-generated letters from their computer system with the codes XXXX & XXXX. They refuse to do a proper investigation and continue to ignore my request of providing me with a copy of the original contract with my signature. The generic pre-written letters are not sufficient in verifying debt. I have attached copies of the system-generated letters I received from XXXX XXXX. The law states you must provide a copy of the legal contract with my signature. XXXX XXXX   continues to violate my rights according to the FCRA. 

XXXX XXXX sent me letters stating to contact the debt collection agencies instead. Listed below are the actions I have taken regarding the referenced accounts : Account # XXXX ... XXXX was charged off and sold to XXXX XXXX XXXX, XXXX. I contacted XXXX XXXX and asked for verification. They could not provide me with verification and responded by letter they will be deleting the collection from my report. I have attached the letter from XXXX XXXX for your review. 

Account # XXXX ... XXXX was charged off and sold to XXXX XXXX XXXX XXXX. 
I disputed XXXX XXXX XXXX and requested verification. The collection was deleted from my credit report because they were not able to provide verification of debt. 

Account # XXXX ... XXXX was charged off and sold to XXXX XXXX, XXXX. I contacted XXXX XXXX and requested verification of debt. They have not provided me with a copy of the original contract with my signature. 

XXXX XXXX is the original creditor. They continue to report derogatory account information on my credit report illegally without providing me verification of debt according to my rights under the FCRA.
Consumer complaint received 2018-11-03
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: EQUIFAX, INC. (OH)

I disputed with Equifax because a company did not report monthly to update my account balance. I received my updated credit dispute results dated XX/XX/18 indicating there is still a balance on the stated account. I contacted the company to let them know that for some strange reason they continue to report the balance despite my screen shot of the account demonstrating a {$0.00} balance, and documented payment ( hoping for their cooperation in accurate reporting ). I'm waiting to hear back from them, but they already said to dispute, which I already did. In XXXX, my Equifax showed a {$0.00} balance so I thought the dispute was resolved by then but somehow on XX/XX/18 the dispute was finalized and updated with a balance of over {$530.00}. I have multiple forms of documentation indicating a XXXX balance, yet Equifax continues to report a balance. Further, XXXX XXXX took my documentation and reflected the balance to be XXXX which is accurate.
Consumer complaint received 2023-08-09
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. (TX)

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XX/XX/2021
Consumer complaint received 2023-08-09
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: EQUIFAX, INC. (NJ)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-09
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: EQUIFAX, INC. (MD)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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