davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-13
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)

1 ) Capital One charged me a {$15.00} late fee on XX/XX/XXXX and a {$15.00} late fee on XX/XX/XXXX. Capital One failed to mail me a billing statement for each period and because of that, I was unaware that I had to make a payment. Please provide a credit of at {$54.00} for the late fees AND credit me for any interest accrued due to those late fees.

Please note, I did not sign up for paperless statements for those  billing periods. On XX/XX/XXXX I mailed a letter to Capital One formally requesting that they stop paperless billing and that they mail me my billing statements. I am attaching this letter to the complaint. If Capital One disagrees with my complaint, please provide proof that you mailed out the credit card statement for all the periods where I was charged a late fee for and proof that I actually received them. Such proof includes tracking information with
USPS, XXXX, XXXX, or a certified mail receipt. 2 ) In addition to this, I obtained refunds from several
companies for returning merchandise. {$29.00} refund on XX/XX/XXXX, {$380.00} refund on XX/XX/XXXX, {$29.00} refund on XX/XX/XXXX, {$480.00} refund on XX/XX/XXXX, {$5.00} refund on XX/XX/XXXX, {$5.00} refund on XX/XX/XXXX, {$5.00} refund on XX/XX/XXXX, {$270.00} refund on XX/XX/XXXX, and a {$180.00} refund on XX/XX/XXXX. Normally if I were to dispute the charges and the merchant refunds the transactions, XXXX XXXX would remove the interest charges associated with those transactions. Because I was working with the merchants to resolve my issues, XXXX XXXX would not accept a dispute as they request that the credit card holder attempt to work the issue out with the merchant before disputing the transaction.

Please provide a credit for the interest charges associated with these charges that were refunded.

Please note, I am requesting a refund for the late fees, interest charges associated with those late fees, and interest charges associated with the charges/transactions that were refunded by the merchants. Thank you.
Consumer complaint received 2020-07-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: R & B Corporation of Virginia (VA)

I sent a letter to verify the debt, as I had insurance and paid the provider so I needed to see why I was in collections. The company responded by sending me not just the amount and date but an itemized statement including medications which is a COMPLETE violation of HIPPA. To know that this company was reporting me for a debt I thought was paid was upsetting and then to find out that they have access to so much personal medical information should not be legal
Consumer complaint received 2017-09-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Avadyne Health Holdings, Inc (MI)

XX/XX/XXXX - negotiated total out of pocket expense with medical provider prior to treatment.XX/XX/XXXX - billed {$280.00} in addition to agreed upon out of pocket expense plus insurance payment. Collection agency - H & R accounts reported unpaid debt to all three credit reporting agencies. H & R Accounts agreed to stop collection efforts based on  previously filed CFPB complaint ( XXXX ). I understand they are attempting to collect what their client claims is a legitimate debt. Because of H & R Accounts deceptive and illegal collection tactics, I would like to reopen the complaint. This is not a legitimate debt. As stated I negotiated my total out of pocket expense with the medical provider - XXXX XXXX XXXX XXXX prior to the XXXX XXXX. The hospital was also reimbursed by my private insurance company. No legitimate business would attempt to bill for services already paid for, especially when the total cost was agreed upon prior to service delivery. This fraudulent collection activity must stop. I demand that H & R Accounts cease all collection efforts and remove any references to collection attempts or unpaid debt from the three credit reporting bureaus - XXXX, XXXX and XXXX
Consumer complaint received 2022-08-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivable Management Group, Inc. (GA) (FL)

On XX/XX/2022 I sent Receivable Management Group a validation letter asking them to verify my medical debt. They responded back on XX/XX/2022 with insufficient validation of the debt as I had requested they provide a copy of my signature from the provider showing my request to release information to them. On XX/XX/2022 I sent them another letter asking them to please validate once again the debt by sending me a copy of my signature. It has now been past 30 days and i still haven't received anything from them. They are in direct violation of the consumer law by not responding withing 30 days and failing to validate the debt.
Consumer complaint received 2020-11-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (IN)

I was told over the phone on XX/XX/2020 that I would receive a deletion letter after I paid the collection account. I received a letter only stating that it was paid. The collection was NOT deleted off of my reports. I disputed it with the bureaus and it is still reporting on them.
Consumer complaint received 2017-09-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TCF NATIONAL BANK (IL)

I have been disputing erroneous information on my account since XXXX. I sent the XXXX XXXX XXXX and TCF Bank all documentation including a police report that stated that I was a victim of identity theft and as a result, I can not open up a checking account. I mailed in my identification as requested. I have been patient and sent 3 correspondence letters, but to no avail. 

In XXXX XXXX, I was a victim of identify fraud and theft. A XXXX XXXX dollar check was deposited into my TCF Bank account without permission. Then a P.O. S purchased was charged to my account for a purchase for {$4000.00}. Please note, this occurred during the XXXX season when identity theft is more prevalent. TCF Bank allowed the transaction to go through without the check clearing. A police report was made. 
Please see attached copy of the police report and check. My first name was misspelled on the check and the handwriting is not mine. 
TCF Bank informed me that since I was a valuable customer for 11 years, as a courtesy, they allowed the {$4000.00} transaction to go through. However, I was left distraught and frustrated by TCF Bank. I spoke with several employees and managers at TCF Bank, but my claims fell on deaf ears. Furthermore, I am truly appalled that this continues to haunt my file. This has had a negative impact on my ability to have a basic checking account.
Consumer complaint received 2020-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC (FL)

as of XX/XX/XXXX i reviewed my XXXX credit report and noticed that a charge off from west lake financial is still on my credit report. around late/mid XXXX i contacted west lake financial and spoke to a representative and made an inquiry about the inaccurate information being listed on my credit report. once i gave the rep the account number / verified my identity he told me that he couldnt give me any information on my account because my account was sold to a company ( which is now off of my credit report ) XXXX XXXX XXXX XXXX. no one was able to assist me with my issue. around mid XXXX i received two letters in the mail from west lake financial services one dated XX/XX/XXXX and the other XX/XX/XXXX XXXX both of the letters indicated that they were properly reporting to XXXX   and that removing the account from my credit report would be falsifying information per the FCRA. also in the letters west lake financial mentioned a key factor in why i am disputing this account DOFD ( date of first delinquency ). according to west lake they are able to continue to report to XXXX because the date of first delinquency is XX/XX/XXXX. this is very contradicting on their behalf because when i originally called and spoke to the representative over the phone i was reassured that my account was sold, and that no one at west lake could give me any information, secondly the company that my account was sold to sent me a letter in XXXX when i originally disputed the debt stating that my DOFD ( date of first delinquency ) was XX/XX/XXXX. if this is true then XXXX needs to cease reporting to XXXX on an account that has officially reached the seven year statue of limitation. also west lake did not indicate only that this account is currently under dispute.
Consumer complaint received 2022-08-13
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 15 U.S.C 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 2021-10-13
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 (MA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Regardless of the multiple written requests, the unverified account KOHLS/CAPITAL ONE is still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Consumer complaint received 2020-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (PA)

After reviewing credit reports noticed an unfamiliar derogatory account from XXXX XXXX on behalf of XXXX. Made several attempts to discuss, company unreachable, pre-Covid-19.
Consumer complaint received 2017-09-23
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. (TX)

this is in regards to Equifax 's data leak from their web application reported by XXXX on XXXX XXXX 2017, and that you were listed as a potential victim
Consumer complaint received 2023-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AL)

I contacted Experian bureau and requested that there were inquiries on my credit that I wasnt aware of & they wasnt removed. The inquiries were XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and according to the FCRA unverified & unrecognized items must be removed.
Consumer complaint received 2020-11-16
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. (AZ)

Dear CFPB, i have sent multiple letters to XXXX, XXXX, Equifax over the course of a few months. I believe i was a victim of ID theft. I attatched a copy of my ID, SSN card, FTC report, and Cover letter. Last letter was sent out XX/XX/2020. There are accounts on my credit that arent mine.
Consumer complaint received 2023-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation (MD)

On XX/XX/22 Bridgecrest reported that my vehicle was repossessed. I never missed a payment on the account, and it remained in good standing. However, Bridgecrest will not remove the repossession from my credit report. 

I have reached out to XXXX, XXXX, and XXXX on dates XX/XX/22, XX/XX/22, XX/XX/22 and neither company have been able to adjust my report appropriately. Since that time, i've been unable to be approved for funding due to the incorrect nature of this situation. I have reached out to Bridgecrest 3 times in regards to the incident on XX/XX/22, XX/XX/22 and XX/XX/22 and the associates I've spoken with have denied to remove the falsely reported items on my report.
Consumer complaint received 2022-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

I sent a letter on XX/XX/2022, to remove these accounts that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. Please do immediate action regarding this matter. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2021-10-13
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: BMO Bank, N.A. (AR)

bmo harris trust dept failed to close all accounts in XXXX XXXX XXXX and XXXX XXXX and forward proceeds to executors, XXXX XXXX XXXX and XXXX XXXX XXXX, executors in fact. see attched.
Consumer complaint received 2021-10-13
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: M. G. Credit, Inc. (MD)

1 ) I am not aware of any debt or account that is open with XXXX XXXX, the original creditor of this account.

2 ) prior to receiving a collection notice on my credit report, I received no phone call or mail trying to attempt to notify me of such a debt.

3 ) phone number on account is listed under wrong person 4 ) all attempts to collect this debt were done by mail to an address I no longer live at or have access to. 

Original creditor is XXXX XXXX and collection agency is MG Credit in XXXX, FL
Consumer complaint received 2020-10-28
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: Experian Information Solutions Inc. (FL)

THE ACCOUNTS/INQURIES LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND MY PHOTO ID TO OPEN FRAUDULENT ACCOUNTS AND TO APPLY FOR ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-04-28
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

As a preferred rewards member with Bank of America, I've received numerous offers for opening a Merrill Edge brokerage account. Funding this account with {$50000.00} makes me eligible to receive {$220.00} in incentive. I spoke to XXXX, and XXXX who said this was not in the terms and conditions. They we're representatives from Maryland, call back number was from XXXX at XXXX XXXX EST  on XX/XX/2020. I wish to have the terms and conditions and my account reviewed at an executive level, as this is false advertising and predatory.
Consumer complaint received 2019-06-03
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Continental Finance Company, LLC (TX)

On XX/XX/XXXX a rep from XXXX XXXX XXXX XXXX called my job, my parents and my sister threating to come to my job and deliver some type of litigation document. Once I got them on the phone and spoke to a woman named XXXX which I now see is the name of the so-called firm. She claims I owed {$880.00} for a Master card I had back in XX/XX/XXXX or XX/XX/XXXX. Since her tone and her abrasive language and calling me a liar she told me I kept asking her how to get in touch with the creditor. She told me they were no longer in charge of the debt they were, but she insisted she was not a debt collecter but agreed to settle the debt with monthly installments. She would not give me an address or a direct number so I agreed and was sent a docu sign statement that included their address and phone number. I then sent a cease and desist letter on XX/XX/XXXX by certified mail. The ups tracing claims the letter can not be delivered. After researching online the address given XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX is a donut shop. their number is XXXX. I did my research and the CC they are referencing was charged off in XX/XX/XXXX and the account was closed.
Consumer complaint received 2020-10-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (FL)

I found on my credit report there was a payment past due for more than 30 days for the amount of $ XXXX from CITI Bank, and phone number XXXX. Was told by CITI bank that XXXX XXXX been using the credit card under my name, his phone number XXXX and address on file XXXX XXXX XXXX # XXXX XXXX, XXXX. Please look into the payments he previously made. Occurred on XX/XX/2020
Consumer complaint received 2020-10-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: JPMORGAN CHASE & CO. (FL)

I received 2 phone calls from a man Calling himself XXXX XXXX saying I owed for a Chase Credit card from 2001. I never had a Chase credit card. He even called my brother! He then starts rattling of very VAGUE threats of lawsuits and taking my business license??? I DON'T HAVE A BUSINESS LICENSE ... He is freezing my bank accounts etc.. Unless he's the Federal Gov't ... I dont think anyone can freeze your bank account over a supposed outstanding balance ... lol .... This guy is just harassing people to see who will pay him. He claims to be a paralegal.. but doesn't use 1 legal term that makes any sense .... what a scammer Please stop this scammer
Consumer complaint received 2023-07-26
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-10-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (TX)

Called my bank on XX/XX/2020 about unathorized transactions.

They gave me a credit the following day.

Total amount was {$5700.00} They also provided me with a new debit card.

After that date i had no more unathorized transactions.
Consumer complaint received 2020-10-28
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AL)

In XX/XX/2020, I filed a dispute with this credit bureau about the unverified account : XXXX XXXX  account # s XXXX, XXXX. In those 2 months I have asked numerous times for a response and I have not received anything in response from these bureaus in over 30 days for request of a complete investigation. 
So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this bureau about these three unverified collection accounts as of today. 

Thank you!