davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

URGENT : Formal Complaint Regarding Capital One 's Handling of Account Issues XX/XX/year> Dear Consumer Financial Protection Bureau, I hope this message finds you well. I am writing to formally document a series of troubling interactions with Capital One representatives regarding my account, which have prompted me to seek assistance from your bureau. 

Between XX/XX/XXXX and XX/XX/XXXX, I spoke with three Capital One supervisorsXXXX, XXXX, and XXXX revealing significant discrepancies and mishandling of my account issues. Supervisor XXXX indicated a lack of consistent processes for addressing similar client concerns, potentially leading to disparate treatment. Supervisor XXXX disclosed that since XX/XX/year>, I had been erroneously directed to an investigative team after numerous unsuccessful attempts to contact them via email. Moreover, Supervisor XXXX initially assured me I would be able to speak directly with the department who sent me emails on XX/XX/XXXX and XXXX, but subsequent supervisors and representatives contradicted this, stating it would not be possible. 

Additionally, I have evidence, including screenshots, showing that my account was locked with the message " too many attempts '' due to a representative becoming upset during a call. This representative wrongly accused me of lying about receiving emails from Capital One and escalated the issue without basis, even yelling at me. In response, Capital One informed me that representatives and supervisors do not have access or knowledge of those emails, which can only be accessed by the investigative team and department. Consequently, I was doubly punished because the representative was unaware that I did receive an email from another department, yet she falsely cited a reason for locking out the account without apparent basis in company policy. 

This lack of a streamlined process is severely detrimental to clients like myself, impacting my ability to access healthcare, manage living expenses, and maintain financial stability. 

These interactions strongly suggest that Capital One may be acting with bias and discrimination, resulting in unfair treatment and denial of access to my account. Therefore, I urgently request your intervention to either facilitate immediate resolution to regain access to my account or expedite the transfer of funds to a previously linked banking account. 

I appreciate your prompt attention to this matter and kindly request your assistance in addressing these issues swiftly and effectively. Please do not hesitate to contact me at ( XXXX ) XXXX or XXXX should you require further information or clarification. 

Thank you for your time and consideration. 

Very respectfully, XXXX XXXX
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.
Consumer complaint received 2024-06-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ADP Inc. (NV)

Tried calling both wisely support. 

Wisely said no issue and I keep trying to get it escalated to manager as supervisors are not helpful and XXXX XXXX both connected to checking account ) XXXX has not contacted me back or responded about issue at all. 

Im now going to be homeless as a result of the ineptitude.
Consumer complaint received 2024-07-02
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: CCF Intermediate Holdings LLC (AL)

I took out the loan in XXXX to cover some bills after selling my house. I was called to XXXX XXXX with the XXXX  in XXXX. I have had to borrow more money against my title just to continue to keep the loan current. It is getting to the point that I can no longer afford to continue pay against the loan and not gaining any ground due to the astronomical interest rates. I am paying over a {$1000.00} a month and have not been able to pay down any of the principal.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (MD)

On XX/XX/2024, I sent certified mail ( XXXX XXXX tracking # XXXX ) to Navy Federal requesting them to remove the inaccurate information on my consumer report and to send me my 1099C form per Federal Law 15 U.S. S-Code S 1681-s-2 Responsibilities of furnishers of information to consumer reporting agencies ( a ) Reporting information with actual knowledge of errors. Once I received the verification that Navy Federal receive the information I waited for their response and I never received an outcome, so I sent XXXX different letters to XXXX, XXXX and XXXX so that they could start their investigation to remove but Navy Federal did reply to them stating that this information has been verified and it was not removed the instead Navy Federal changed the account amount on my consumer report from {$0.00} to over {$11000.00}. By law they have to remove this account or face penalties. I would like this to be removed immediately from my consumer report.
Consumer complaint received 2024-03-27
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Discovering an error indicating a late payment on my account, despite my consistent adherence to payment deadlines, is disheartening. This oversight is generating unnecessary stress, and I urge you to promptly rectify the situation by updating my records accordingly.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

I am writing to bring to your attention a matter of great concern regarding the accuracy and completeness of the information contained in my credit report. After a thorough review, I have identified discrepancies that I believe warrant immediate investigation and correction. 

Specifically, I dispute the notation of a late payment on my credit report, which I assert is inaccurate. To address this issue, I kindly request that you conduct a comprehensive investigation into the details of this account, ensuring that all data, including notation dates and balances, is reported accurately, regardless of whether it has been formally reported or not. The accounts in question are as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX In addition, I respectfully request proof of the alleged late payments. According to consumer protection laws, if you are unable to provide such evidence, or if proof of late payments is lacking, I insist that my payment history be updated to reflect a PAANL status ( Paid as agreed, never late ). Furthermore, I request that a corrected credit profile be supplied to any creditors who have requested a copy of my report in the last six months.

To ensure transparency and adherence to legal guidelines, I am also seeking clarification on the procedures used to determine the accuracy and completeness of the information on my credit report. I understand that, as per regulations, this information must be provided within 15 days of the completion of your reinvestigation. Additionally, I am aware that federal law grants a 30-day timeframe for the completion of your investigation.

I must emphasize the importance of validating the items in question with the XXXX  reporting creditor for accuracy. If any information can not be verified by the creditor, I request its immediate removal from my credit report. I expect this process to be completed within 30 days of your receipt of this letter, as mandated by law. 

Your prompt attention to this matter is greatly appreciated. I trust that you will conduct a thorough and fair investigation to rectify the inaccuracies in my credit report. I look forward to receiving a response within the stipulated timeframes. 

Thank you for your understanding and cooperation.
Consumer complaint received 2024-07-02
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (IL)

On Tuesday XX/XX/year>, I was contacted by the debt collection company ProCollect. They explained that I had allegedly owed a debt for an apartment I had been living in and had moved out of at the end of XXXX even though I had paid all of my rent on time and in full, in such case the debt is owned by the two roommates I had at the time. I contacted the property manager who informed me that they had not contacted ProCollect to collect the debt owed. Yes, my name is on the account for the apartment in whole, but we are charged per room and have separate leases determining what we pay for. I do not know how this company obtained my information but I have explained to them that this debt is not mine. They continue to pressure me to pay it and explained that my credit will go down because of this.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MA)

In accordance with the Fair Credit Reporting Act the list of accounts below have violated my Federally Protected Consumer Rights of privacy and confidentiality under 15 U.S.C. 1681. XXXXDepartment of Education acct . # XXXX and US Department of Education acct. # XXXX. Also, US Department of Education acct. # XXXXhave violated my rights. 15 U.S.C. 1681 section 602A States I have the right to privacy.

15 U.S.C. 1681 section 604A It also states a consumer reporting agency can not furnish an 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. 1682s-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 2023-10-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/DEPT OF ED : # XXXX, has violated my rights. 


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 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westcreek Financial (CA)

My credit file has been impacted by incorrect information that has been reported regarding multiple late payments. In XX/XX/year> I requested information from the company regarding the misinformation and did not receive a response. I also disputed with the credit bureau and online and no action was taken.
Consumer complaint received 2024-07-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (CA)

Chime was aware of documents and debit cards being stolen from my vehicle during a visit to my family in another town. Disputed claims for XXXX $ that had popped up and for XXXX $ and have been denied my dispute claims. Chime was provided documents and proof such as a police report of the occurrence and but still has denied my claim.
Consumer complaint received 2024-07-02
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (TX)

My name is XXXX XXXX I have an account with Chime and Chime has been playing some shady games with me, and is now unwilling to, and WIL NOT help me anymore. In fact since I filed a XXXX report against Chime Inc. they threatened to close my account and will no longer appropriately investigate my claims. 

I have filed multiple disputes with Chime over my account ( XXXX ) regarding merchant errors in transactions that I was overcharged for. I believe chime to be skimming my accounts. 
When I filed my disputes they gave me the line of you will have a credit WITHIN 10 business days, but then an hour after filing they would reject my dispute and not even investigate. Despite the fact I submitted multiple forms of proof. Including FBI REPORTS, letter from vice president of the company that handled my transaction CONFIRMING they accepted the dispute, etc.

One particular case I am XXXX off about is XXXX I have uploaded all necessary documents to their secure link and I have asked numerous times for the provisional credit to be released to me. 3 days ago, 2 reps lied on the phone saying I was to get the credit.

Regulation E requires ALL disputes to be issued credits within 10 business days, I am not considered a new account and it has gone well over 10 business days of course NO CREDIT ISSUED, only denial without properly explaining and showing tools used in investigations, as I have been demanded for documents of proof against my claim, so should they! 
This is among several disputes they denied inappropriately and wrongfully and multiple currently open, that I am owed a credit for. 

They are now taking credits back and denying claims, and when I ask for paperwork on it, they send me MY paperwork I SUBMITTED or just a XXXX TX number which doesnt change the fact I WAS CLEARLY OVERCHARGED and have evidence for this as well!!!! and now causing my account to go negative because of their negligence regarding these claims. 

If yall could have my credit issued to me for my open cases I would appreciate it very much. 

Please let me know what other details you may need. 
Also my number is XXXX if anyone needs to reach and speak with me. 
I appreciate you helping me get a solution in this matter.
Consumer complaint received 2024-07-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Client Services, Inc. (CT)

I was contacted by a debt collector ( XXXX XXXX XXXX ) for a debt with XXXX XXXX. On XX/XX/XXXX, XXXX XXXX acknowledged receipt of my dispute regarding an automatic renewal that is sent to me by email rather than by postal mail. The dispute was investigated and determined on XX/XX/XXXX. The Result was that I owed {$280.00}. and not the amount of further charges adding up to {$630.00} I sent that amount to XXXX XXXX and I have the cancelled check dated XX/XX/XXXX and deposited by XXXX XXXX on XX/XX/XXXX. I am now receiving a debt collection from a different debt collector ( Client services ) for the same disputed charge claiming I owe the difference ( {$340.00} ). 
Also when I checked my credit score, the past due payments are still on record. My original dispute was sent to Credit Bureau Dispute Verification and XXXX to XXXX XXXX XXXX and XXXX XXXX XXXX. 
Please advise.
Consumer complaint received 2024-07-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OUT TECH, INC. (CO)

This is about the debt collector Bureau of Account Management in Pennsylvania. In the XXXX  of 2023 I received XXXX XXXX XXXX from XXXX XXXX XXXX in XXXX, Colorado. I inquired multiple times about my co-pay amount -- in office and over the phone to their corporate office. They had my up-to-date insurance information and on at least three occasions I was told I had XXXX co-pay. In reliance on that information, I scheduled XXXX XXXX XXXX XXXX per my XXXX XXXX XXXX If I had a copay, I would not have scheduled as many sessions ( and truth be told, I wish I could have continued services, but after a few months I began receiving bills for a copay ). 

Despite XXXX 's intentional and/or negligent misrepresentations and breaches of contract ( our contract only covered " estimates '', which this was not, I was repeatedly told there was XXXX co-pay and I would be charged XXXX dollars for their services ), XXXX has attempted to collect {$400.00} from me. The current dispute is over a {$160.00} bill, but there will be a subsequent one for {$240.00}. 

I have repeatedly attempted to settle this dispute with XXXX, and was again told there should be no co-pay and the billing was a mistake. Then I was later sent multiple bills and sent to collections. I notified both XXXX and the collector, Bureau of Account Management ( BAM ) in Pennsylvania, of ongoing legal disputes regarding these bills. 

However, BAM has now sent me a letter stating that they have determined the debt is valid. My understanding is this is incorrect under Colorado law, because there are outstanding tort and contract disputes between me and XXXX. BAM is now threatening my credit score without a legal judgment. Please help. 

I can provide any documents you'd like, although all communications regarding the dispute were via internal systems at XXXX or via the phone. I do not have a copy of the contract with XXXX  ( as far as I know ), but I reviewed it previously and it states only that estimates may be inaccurate. However, again, this was not an " estimate. ''
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: M&T BANK CORPORATION (MD)

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX. Whos studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2024-03-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC. (MS)

Yes Midland Credit Management, is attempting to get me to pay an account that was sold to them by XXXX XXXX  unlawfully and I did not consent, which is against my rights and privacy. And also makes the debt a certificate of indebtness. Yet this is still in my credit report and they are still harasss me by mail. The account is CHARGEDOFF Which is certificate of indebtedness- which is a payment so why is my account still negative. [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX ] XXXX XXXX
Consumer complaint received 2017-06-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (PA)

Midland funding is on my credit report, I have no knowledge of this company or debit they are attempting to collect. I have disputed with the credit bureaus 2 times and requested a signed copy of the contract with midland funding and they have never provided proof. They have called me numerous times and have called my parents house as well. I want this deleted from my record.