davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

To whom it may concern, I was recently notified by XXXX XXXX that my credit score had dropped due to a late payment. After investigating it was a capital one member fee of {$39.00} charged to my card on XX/XX/XXXX then i was charged a past due amount of {$25.00} on XX/XX/XXXX without once ever receiving a phone call, email or text stating I am late on my payment. If I never received the notification on my XXXX XXXX app I would not have even known I was this past due. I have not held a balance on this card in years and always pay my statement amount and to have this affect my credit score the way it did without once receiving a phone call, text or email to resolve this issue is unacceptable. I paid the balance of {$79.00} on the XXXX after speaking with Capital One they weren't very accommodating in helping remove the delinquent payment off my report. I have had my XXXX credit score drop by over XXXX points for something I would have paid immediately had they notified me. Please help. Thank you.
Consumer complaint received 2021-12-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

I received a text that the pin and password was changed to my cell phone account and within minutes I lost cell service. My PayPal account and Venmo were hacked and they made large purchases on XXXX and transferred balance on my Venmo to an unauthorized bank. I couldnt reach customer service at either because I dont have cell phone service
Consumer complaint received 2019-08-06
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Monterey Financial Services LLC (CA)

I spoke with representatives from Monterey Collections on XX/XX/XXXX who are charging me outrageous interest and fees on a sold account from XXXX XXXX XXXX XXXX ( XXXX ). Rep XXXX and another employee threatened that the account would be referred back to XXXX in order for legal action to be taken against me. I then requested the contact information for that legal department in order to assure that legal action would be filed seeing as it has been a difficult process working with this company and XXXX. I was denied the information of said threat. On XX/XX/XXXX I contacted both original debtor ( XXXX  ) and finance company ( XXXX XXXX ) who both stated the status of account was Servicing transferred ( sold ), the original amount {$4600.00} received a payment of {$110.00} as of XXXX XXXX ( last payment ) of which was a result of a loan modification on which XXXX defaulted on, and the maintenance was stopped/forefeited on XX/XX/XXXX. This company is consistently in violation of FDCPA rules/guidelines. They are reporting erroneously on my credit report falsified information and have threatened to take legal action of which speaking with rep XXXX from XXXX and XXXX XXXX XXXX there is no such legal dept that Monterey Collections is able to continue threatening me with.
Consumer complaint received 2024-05-27
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I have XXXX ( XXXX ) XXXX XXXX credit cards that show on my credit Report. XXXX ( XXXX ) are current and are in good standing. However XXXX ( XXXX ) are old from XXXX and actually exceed the XXXX ( XXXX ) year XXXX of XXXX  in the XXXX of XXXX XXXXnd these accounts should actually be deleted from my credit reports. 

The XXXX ( XXXX ) older accounts are owned by Portfolio Recovery Associates. I have contacted them, attaching a copy of their own documents proving the dates of last activity on each of the accounts being more than 7 years ago ( XX/XX/XXXX ). 

Therefore, it is time that these accounts be removed from my credit report.
Consumer complaint received 2021-12-10
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Nelnet, Inc. (TN)

1.I have never had XXXX  LOANS, REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) STUDENT LOANS, the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 
XXXX.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Consumer complaint received 2021-12-10
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Eastpoint Recovery Group, Inc (FL)

Calling family members and leaving voicemails with personal information. 
Calling wife 's work phone. 
Never sent written information about alleged debt. 
Leaving false claims in voicemails. 
Calling repeatedly. 
Threatening to take adverse action.
Consumer complaint received 2022-03-26
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: Experian Information Solutions Inc. (WI)

In accordance with the Fair Credit Reporting act XXXX Account Name, U S DEPT OF ED/XXXX Account XXXX XXXX, Account Name, U S DEPT OF EDXXXX Account # XXXX Account Name XXXX DEPT OF ED/NELNET Account # 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
Consumer complaint received 2021-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XXXX XXXX XXXX acct # XXXX - disputed multiple times came back verified, I am not now nor have i ever been a customer of this company, the credit bureau has failed to provide an original signed copy of any agreement as required and are therefore reporting information that is not 100 % accurate XXXX has already removed this account due to error
Consumer complaint received 2021-12-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (FL)

I submitted a dispute ( note the below Complaint ID below ) 3 weeks ago regarding XXXX XXXX XXXX and XXXX that said I owed over XXXX for a card that I never applied for nor used. They said the XXXX was due to origination fees and late fee 's. Your company helped me resolve their errant reporting. But they also sold the debt to a debt collection company ( NCA that is Reporting still ). This is linked to the above account and should be removed as well. Please see their information. 



Original Complaint Filed COMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX PRODUCT Credit card or prepaid card ISSUE Getting a credit card Please see the company ( Debt Collection Company Below hired by XXXX XXXX ) NCA Last reported XX/XX/XXXX {$430.00} Open balance XXXX XXXX XXXX XXXX AND XXXX XXXX  Original creditor XXXX  Opened XX/XX/XXXX ( 1 yrs, 3 mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name XXXX XXXX XXXXXXXX XXXX  AND XXXXXXXX XXXX Report info
Consumer complaint received 2021-12-10
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. (LA)

XXXX XXXX acct # XXXX - disputed multiple times came back verified, I am not now nor have i ever been a customer of this company, the credit bureau has failed to provide an original signed copy of any agreement as required and are therefore reporting information that is not 100 % accurate
Consumer complaint received 2024-03-07
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. (TX)

XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 section 6 0 4 a section 2 ) ( It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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.
Consumer complaint received 2021-12-10
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I stayed in XXXX XXXX XXXX. Upon checking into the first room we noticed there were Hairs on the floor and the tub did not work. My XXXX  went down to the front desk and they offered to move us. We moved the next day as the new room was not ready until XXXX ( XX/XX/2021 ). Upon checking into that room we walked in the the cabinet door was falling off we were traveling with our XXXX yrs XXXX so it was a big safety concern. We contacted once again the front desk and they stated they would send someone up ASAP, that never happened. The engineer stated on the phone it was a cabinet guy issue and he was got for the day then the engineer stated is not his job, this was on the phone only they never came to the room. Later the night I attempted to take a bath and the tub was backing up into the shower. I called and they once again said they would send someone to fix it, that never happened the whole time we were in that new room you could not use the hot tub. Upon check out the front desk XXXX stated we would not be charged for the room. We arrived home in XXXX and noticed they in fact charged my credit card which I never signed nor authorized was charged. The room was always under my XXXX XXXX name. I gave them my card to move to the new room just for a hold not to charge me, I also questioned it upon check out and was told it would drop off, it did drop off and I locked my Capital One card but Capital one still allowed a charge to post a few days later. I contacted Capital one immediately and disputed the charge. They received a rebuttal from XXXX showing the invoice which does not have my signature on it. Capitol One required I supply several documents which I did and still will not refund my money. I have spoken to several supervisors at Capital One the last one I spoke to was Operator XXXX who stated to contact XXXX and deal with them. I have attempted on several occasions to rectify this issue with XXXX and Capital One with no success. I am requesting this be investigated and a full refund.
Consumer complaint received 2021-12-10
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. (GA)

XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX - these accounts have been disputed multiple times and came back verified, I supplied proof to each bureau that the creditor was not reporting 100 % accurate information and they allowed it to be reported incorrectly for XXXX seriously affecting my credit worthiness to other creditors and affecting my interest rates based on unverified/incorrect information.. 

this account should be removed immediately due to errors, and the credit bureau cited for failure to report in accordance with FCRA for XXXX XXXX has already removed both of these accounts due to serious errors in reporting
Consumer complaint received 2018-07-07
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 (FL)

on XX/XX/XXXX capitol one credit card collection agency-XXXX settled the debit owed by me along with my lawyer to {$12000.00}. see attached settlement letter. 
Since then I have regularly paid the said amount to the debit collector. later this debit collection was taken over by XXXX XXXX XXXX firm. The payments were made to this debit collector. The final payment was made on XX/XX/XXXX. a total amount of {$12.00}, XXXX was paid to the debit collector ( see attached bill payment statement from XXXX XXXX XXXX ). I have paid an excess of {$80.00}. since XX/XX/XXXX after the final payment was made i called XXXX office many times and requested a XXXX balance letter, refund of my excess payamnet, and report to credit bureaus as fully paid. NONE OF THIS HAPPENED FOR THE PAST MONTHS. I have called XXXX debit collector and emailed them several times more than 20 times with the attached settlement agreement sent by XXXX and the total amount of payment made to the new debit collector. 

Experian sent me a credit report which states that there is one negative report on my report. I disputed it with experian. but they came back with the same resolution that I still owe {$3700.00} as of XX/XX/XXXX. THIS IS INCORRECT. CAPITOL ONE CC IS ROGUISH FINANCIAL COMPANY THAT PREYS ON POOR PEOPLE AND MAKE UP FRADULENT CHARGES. THEY MUST BE TAKEN TO TASK AND MADE TO PAYBACK MY EXCESS PAYMENT, and fix my credit report immediately. 

I am applying for a home mortgage to refinance my home which is going under foreclosure. but this negative report and dishonest loan balance reported by capitol one is severely affecting my mortgage loan application.

I humbly request the CFPB staff to take immediate action and order capitol one to remove the inaccurate credit reporting.

see attached files from experian report on capitol one CC and supporting evidence that I have paid the loan as per settlement agreement.

Capitol one must report as XXXX balance. 

thank you for your help and prompt action. I am very grateful that our government has created agencies like you to help citizens from predators. 

thankyou XXXX XXXX
Consumer complaint received 2021-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hello! My name is XXXX XXXX. My current address is at XXXX XXXX XXXX XXXX XXXX CA XXXX. 
I have sent out numerous disputes trying to remove inaccurate names, addresses, and accounts from my credit profile. 
Below are the dates, account ( s ) and account number ( s ) .This request has been denied and I would like these inaccurate information to be removed. 



IN TRANSUNION XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN TRANSUNION AND XXXX XXXX XXXX  XXXX XXXX XXXX XXXX IN XXXX ONLY XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX ONLY XXXX XXXX  XXXX XXXX  IN TRANSUNION AND XXXX ONLY XXXX I would also like these inaccurate information to be updated . 



IN TRANSUNION XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXN TRANSUNION AND XXXX XXXX XXXX XXXX XXXX NC XXXX IN TRANSUNION XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX ONLY XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-06
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

Called Capital One Bank around the first of XXXX, XXXX to learn what happened to my money in my savings account with ING DIRECT which a summary of my account with ING dated XXXX showed a balance of {$50.00}. The person answering the phone at Capital One discovered that ING DIRECT which had been bought out by Capital One, had deducted {$25.00} as a dormant charge on or around XX/XX/XXXX and subsequently in XX/XX/XXXX sent the balance of my account to the State of Oregons unclaimed property department. I did not know of any dormant charge policy by ING DIRECT and had they sent me a notice to my address which they had on file, of money from my account going to unclaimed property in OR, I would have taken care of the situation. Now I have to go through the hassle of filing forms and getting OR to send me the money they owe me. 
I was told by Capital One customer service folks that if I open an account with them, they would refund me the {$25.00} dormant charge. On XXXX, I spent 1/2 hour on the phone with 4 different persons putting me on hold and transferring me to different departments to try and get me some help. The last person I spoke with said there was nothing he could do to help me recover my {$25.00} and would not transfer me to someone who had the authority to do so. Even after I read him an email from an employee there ( XXXX ) who said if I open an account with Capital One, they would refund me the {$25.00}. The 1st 3 persons I was hooked up with did not seem to understand about ING DIRECT being bought out by Capital One and did not understand what a savings account was.
Consumer complaint received 2021-12-10
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. (GA)

XXXX XXXX acct # XXXX - disputed multiple times came back verified, I supplied proof to each bureau that creditor was not reporting 100 % accurate information and they allowed it to be reported incorrectly for 2yrs seriously affecting my credit worthiness to other creditors and affecting my interest rates based on unverified/incorrect information..

this account should be removed immediately due to errors, and the credit bureau cited for failure to report in accordance with FCRA for 2yrs XXXX has already removed this account due to serious errors in reporting
Consumer complaint received 2021-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX acct # XXXX - disputed multiple times came back verified, I supplied proof to each bureau that creditor was not reporting 100 % accurate information and they allowed it to be reported incorrectly for 2yrs seriously affecting my credit worthiness to other creditors and affecting my interest rates based on unverified/incorrect information..

this account should be removed immediately due to errors, and the credit bureau cited for failure to report in accordance with FCRA for 2yrs this account has already been deleted by XXXX due to obvious errors in reporting
Consumer complaint received 2021-12-10
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. (GA)

XXXX XXXX acct # XXXX - disputed multiple times came back verified, I supplied proof to each bureau that creditor was not reporting 100 % accurate information and they allowed it to be reported incorrectly for 2yrs seriously affecting my credit worthiness to other creditors and affecting my interest rates based on unverified/incorrect information..

this account should be removed immediately due to errors, and the credit bureau cited for failure to report in accordance with FCRA for 2yrs
Consumer complaint received 2021-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX acct # XXXX - disputed multiple times came back verified, I supplied proof to each bureau that creditor was not reporting 100 % accurate information and they allowed it to be reported incorrectly for 2yrs seriously affecting my credit worthiness to other creditors and affecting my interest rates based on unverified/incorrect information..

this account should be removed immediately due to errors, and the credit bureau cited for failure to report in accordance with FCRA for 2yrs