davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Every month, for the past five years, third party collections agency company, XXXX XXXX XXXX collections continues to fraudulently report two closed and paid in full accounts. Since XXXX both Capital One Bank and XXXX XXXXXXXX XXXX have been paid in full on both accounts. This reporting has been disputed numerous times with documentation to the three major bureaus that continue to report the fraud, citing FCRA compliance. These fraudulent and deceptive practices continue to adversely effect the consumer in question, XXXX XXXX XXXX. We are moving to sanction XXXX XXXX XXXX collections creditor ( and the original creditor ) for reporting fraudulent, incorrect, baseless information that are posing negligence and injury resulting in current adverse actions from other creditors at the same time causing XXXX XXXX, instability, mental health relapses, breaks in case management treatment concerning her finances and support. She continues to experience undue financial hardship concerning affordable housing as she has been homeless since XXXX due to these adverse actions. XXXX XXXX also requested correspondence of a paid in full letter from original creditor Capital One Bank in which they agreed to send in XX/XX/XXXX on a recorded call. Capital One Bank has confirmed that this account was discharged in bankruptcy and should not be reported by a third party debt buyer. This creditor is violating federal law, namely section 524 of Title 11 of the United States Code. 5 years of negligence, personal injury, private data breach, and false reporting on the consumer 's credit report. Capital One Bank is in violation of the decision made in the creditor 's meeting by the Trustee of Maryland District Bankruptcy Court proceeding in XXXX -- discharge order ( a copy was sent to Capital One Bank from the US Trustee ) and disregarded by the Bank because reporting via collections resumed in XXXX and hasn't stopped since the stay order and discharge ( according to all three consumer credit bureaus ). This year, we have claimed {$900.00} XXXX in damages via federal settlement proceedings which will have XXXX XXXX reopening her Bankruptcy filing to sanction this third party debt buyer and the original creditors. This is the XXXX, XXXX, and XXXX report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( FCRA ) ; >PLACED FOR COLLECTION< XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following accounts are reported with no adverse information. AccountName XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAPITAL ONE BANK USA N A 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 2020-03-07
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 (NC)

In XX/XX/XXXX my XXXX account was used fraudulently to make dozens of purchases online. I was XXXX overseas so I wasn't able to call Capital One to dispute the charges so the account remained with a high balance and missed payments piling up When I returned I immediately called Capital One and they removed the fraudulent charges and sent me a new card. They said they'd remove the 4 late payments since it was directly caused by fraud but it was never removed. I've sent Capital One multiple letters to remove the inaccurate late payments for XXXX, XXXX, XXXX and XX/XX/XXXX but they only tell me the information is correct.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Act, The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

Accounts as follows 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  have violated my rights. 

15 U.S.C. 1681 Section 602 A states that I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 also states that 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 items of information, other than records of convictions of crimes which antedates the report 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 2020-03-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TN)

Midland Credit Management has placed a collection on my credit profile claiming that I owe {$490.00} to XXXX XXXX. I've never had an account with them nor do I owe any amount to that company. On XX/XX/XXXX, Midland Credit Management claimed that they notified the credit bureaus to cease reflecting the collection tradeline on my consumer credit files. Midland Credit Management lied about that. This frivolous collection still remains on my XXXX  credit report.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (PA)

bureau reported infortmation as late months after loan was paid off also furnished the information without my consent.

I received a copy of my credit report and I have found that in accordance with the FCRA you violated my rights under : 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUTOUT MY WRITTEN INSTRUCTIONS. 
Pursuant to 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 any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
XXXX XXXX XXXX, Account Number XXXX XX/XX/2023 I NEVER gave you, OR the above-listed creditors any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. Credit Reporting Agency has caused severe stress and XXXX  due to the abusive and unfair practices. 
You should be ashamed of yourself for ASSUMING this role and position to constantly commit fraud and cause harm to consumers! These accounts are listed with late or missed payments and that is incorrect. The ABOVE listed ACCOUNTS were NEVER late and should be listed as PAYS or PAID AS AGREED By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report, and I demand that you provide me with concrete evidence and all documentation proving that I am or have been late. It is my understanding that you will recheck these items with the creditor who has posted them. 
Please remove any information that the creditor can not verify. I understand that under 15 U.S.C.

Sec. 1681 ( a ), you must complete this investigation within 30 days of receipt of this letter. Please send an updated copy of my credit report reflecting the requested changes. 
Best Regards, XXXX XXXX
Consumer complaint received 2023-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

TRANSUNION IS REPORTING INACCURATE INFORMATION, MY ACCOUNT ( XXXXXXXX XXXX XXXX WAS OPEN IN GOOD STANDING, TRANSUNION CLOSED AND REMOVED THIS ACCOUNT FROM MY REPORT, AND HAS RE-INSERTED THIS ACCOUNT ON MY REPORT WITH A 90 DAY PAST DUE LATE PAYMENT, AND A REOPENED STATUS.
Consumer complaint received 2018-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION (AL)

On XX/XX/XXXX I deposited my paycheck via an ATM. The ATM took my check but failed to offer a receipt, leaving me in doubt as to whether the amount was credited to my account. We had severe winter weather for the next 4 days, and most businesses were closed. On Wed XX/XX/XXXX I called the bank 's customer service line to ask why the deposit had not been credited. The agent confirmed that the ATM " did n't register '' my transaction. He started a " disputes process '' that he said would lead to my deposit being credited. I was surprised to learn that this would not involve any non-routine action by the bank. Instead I must wait until their next routine reconciliation of ATM deposits, which happens every 10 days. He was unable to tell me when the reconciliation would occur. I have waited and checked my account balance each day, hoping my deposit will be credited before bills come due. My wife and I called again today, and after many dead ends on voicemail, spoke to an agent in an undisclosed remote location who had nothing new to report. I finally received a call back from the local branch, in response to an earlier call. ( The bank 's customer service line does not allow contacting the local branch, and XXXX local numbers are not published. I would not have known how to contact them if my wife had not saved a business card. ) I learned that the local branch has means to retrieve the check and " manually deposit '' it without waiting for the routine reconciliation process. The branch employee acted promptly to find the check and deposit it. I still have not seen the deposit credited but am hopeful that it will happen within 12 hours. I was dismayed to learn that the routine ATM check may have happened 3 days ago but there was apparently no action taken about my dispute.
Consumer complaint received 2020-03-07
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRUIST FINANCIAL CORPORATION (NY)

Disputed : XXXX/XXXX/XXXX CFPB : SunTrust Bank/Light Stram & XXXX XXXX XXXX XXXX Account : XXXX In XX/XX/XXXX I contracted the services of XXXX XXXX XXXX, XXXX a debt consolidation company to assist me with the consolidation of debts that were causing me great financial hardship due to a decline in my income due to a reduction of hours worked for health reason. The program I committed to enabled the payoff of debts to ( 7 ) creditors, one of which is : SunTrust Bank with an original debt of {$6300.00}. 
I have just completed my accounting for tax purposes and found that I have paid {$600.00} to the creditor via the consolidation program and my balance now due is {$5700.00}. 
I have continually made my payments on time to this company and paid more than the agreed monthly payment amount and I have never received an update statement requested each month outlining my balance although I have contacted the company over the last ( 6 ) months and have not been able to receive a response to any of my communication. 
On XX/XX/XXXX I wrote to the creditor and offered my promissory note and payment arrangement which was sovereign certified because it had come to light that the consolidation company is no longer trading and is under investigation for Fraud and Deception by the FTC and it has also come to light that my payments made to the creditor via this company were never applied to my debt which now has negatively impacted the balance owed. 
My direct offer to the creditor on XX/XX/XXXX to pay off a remaining balance of {$6300.00} was declined by the creditor of which I am grateful as my financial accounts highlights that balance as being incorrect and if it were accepted at that time, I would be liable for paying far more that what is actually owed and I request that the amount owed be corrected to reflect the payment made of {$600.00} via the consolidation company and report the actual correct balance of {$5700.00}. 
Please see attached signed Agreement page for debt consolidation program and the date of the agreement.
Consumer complaint received 2018-01-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (IL)

Since my Citi AAdvantage account was open, it was set up on auto pay. I would always make the payment before the auto pay was scheduled which then would override the auto pay. Auto pay was set up as a safety valve. On the XX/XX/XXXX statement the due date was XX/XX/XXXX. When I logged into my account on XX/XX/XXXX to confirm the payment was through, I noticed it did not. So I manually made the payment. I then called Citi Bank to find out why the auto pay did not take place and they told me it was removed. I explained I am the only user of this card and I did not removed auto pay. The rep did n't care, what I was telling them. I also stated the late fee of {$27.00} should be removed because of a defect in their system. The call was then transferred to another rep and they were suppose to have a manager call me back, which never happened. This is a unfair practiced. Being a loyal and long time customer means nothing to them.
Consumer complaint received 2020-03-07
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Student Account Management Services, LLC (AZ)

I made payment agreement with collection agency to resolve my defaulted student loans, recieved the written confirmation with amount and letter stating that " This payment must be recieved by XX/XX/XXXX''. I mailed my payment via USPS, over night with tracking and recieved confirmation that the payment was delievered on XX/XX/XXXX When I followed up to ensure that my account was updated and now free of default I was told that I was in default of the payment agreement because payment was not processed and posted by the due date and that I would need to submit all my proof that the payment was delivered on time. ( I forwarded the tracking information with delivery confirmation, that the certified funds were able to be cashed on due date, and the letter indicating that payment must be recieved by ). I was then instructed to contact the department of education as they handle the payments who informed me that since I was in collections I could only speak with the collection agency. I then was only given run around answers when a letter date forXX/XX/XXXXwas issued to my employer to garnish my wages forcing me into another payment agreement. I again paid the settlement in full and used certified tracking for my deliverery with proof onXX/XX/XXXX and am unable to have any response as to my payment being recieved, processed or posted. I have been harrased into paying additional sums and faulse information being given about due dates and expectations
Consumer complaint received 2020-03-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (PA)

My payment amount on my XX/XX/2020 statement increased by over {$200.00} without any notice or reason from Fed Loan Servicing. I paid my usual amount and emailed Fed Loan. No response. I email them again and finally get a response which included a threat about reporting me to a credit agency for late payment of the balance of {$210.00}. Incredible! I paid my usual amount while waiting for an explanation that never came until I emailed again and they threaten me!? I have an excellent payment history on this loan and all of my other debts. This is insulting and infuriating. These people are the worst. I paid the {$210.00} just to stop them from fraudulently reporting me to a credit agency.
Consumer complaint received 2020-03-07
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: EQUIFAX, INC. (MA)

I've been trying to get information from Equifax for the last 3 weeks since XX/XX/XXXX regarding an inaccurate reporting on my credit. The account they are reporting dropped my credit score by 112 points. I have plenty of documentation from XXXX proving that what is being reported by Equifax is inaccurate and XXXX has sent and resent the information to Equifax multiple times. I have letters, bank receipts, confirmation numbers, reference numbers and everything from XXXX and Equifax refuses to give me any information regarding a dispute. Equifax is reporting I have a {$170.00} collections bill that still has an open remaining balance of {$170.00}. This account was closed and PAID IN FULL with a {$0.00} balance directly to XXXX. I had even made a payment on XX/XX/XXXX to XXXX XXXX XXXX and this account says it started on XX/XX/XXXX. How is it possible to be paying a company and have Equifax report a collections account?!?! I have filed disputes with all 3 credit bureaus. XXXX  and XXXX  resolved the issue immediately ( removed from a credit report with a fully restored credit score in the 700s ), however, Equifax refuses to provide me with ANY information. Every time I call the company, I get someone who doesn't speak any English reading from a literal script. I've been hung up on twice for no reason. When I ask to speak to a supervisor, they either hang up on me or tell me one is not available. I am forced to provide my entire Social Security Number and information that neither of the other two Credit Bureaus ever asked for. My security is at such a high risk with this company. I just want one simple account to be removed from my credit report just like the other two companies did. I can't even access Equifax 's website to do anything because it doesn't work properly. My credit score is 700+ on both XXXX  and XXXX  but remains at XXXX in Equifax . It's ruining my life dealing with this company.
Consumer complaint received 2020-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HEARTLAND PAYMENT SYSTEMS INC (CA)

XXXX is reporting this company on my credit report as a collections account : US DEPT OF EDUCATION XXXX # : XXXX XXXX XXXX  XXXX XXXX , XXXX XXXX XXXX , PA XXXX ( XXXX ) XXXX Date Opened : XX/XX/2010 Balance {$700.00} I filed a dispute in XXXX   because this company does not own the loan, this loan was transferred to another lender. 

XXXX replied that I account was verified as mine they never read my dispute.
Consumer complaint received 2020-03-07
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: TMX Finance LLC (CA)

Loan Debt was fully paid but the company still stole/repossessed my car. When I contacted them they told me that they had already sold it and if I wanted to get a lawyer good luck with that, ( XX/XX/XXXX ). Then I continued to receive notices from the Department of Motor Vehicles as if the car was still in my name. Then most recently I received a notice from the California Highway Patrol that the car ( still in my name ) had been repossessed ( less than a month ago in XX/XX/XXXX ). After speaking with an employee of the CHP they said that there was no hold on the car and I could go get it from the tow yard it was being held at. I called the tow yard and they demanded " X '' amount for the car. The company Title-Max has been paid twice for one loan, didn't transfer the car as required by law appropriately, and I still am without vehicle as of XX/XX/XXXX.
Consumer complaint received 2023-06-09
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. (FL)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX FL XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX, XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$2500.00}, XXXX XXXXXXXX Balance : {$760.00}, XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$1300.00}, XXXX XXXX Balance : {$3200.00XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2020-03-07
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. (HI)

I call and sent Experian proof about inquiries XXXX XXXX XXXX XXXX XX/XX/2019 XXXX/XXXX XXXX
Consumer complaint received 2020-03-05
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. (OH)

After reviewing my credit report I found inaccurate items that have not been verified according to the FCRA guidelines 623,611 please remove the following account they are not accurate : 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 I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed are not deleted immediately.