davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Shortly after I received the card I had problems accessing my account to make payments. For the first 2 months I didn't have any problems and was able to make the payments on time. Then all of a sudden my account was restricted and has not changed since. I can't log into my account via the Capital One app or the website. I called several times and spoke with representatives that could not help. I was told they would have a supervisor try to figure it out and get back to me. That never happened. They were only able to get me to regain access to log into my account which was only temporary. I was able to attempt making a payment but it was rejected due to account restrictions and was not completed. I tried with a debit card, another credit card, sending money order, as well as cash at the Capitol One ATM and all were rejected. I kept getting a message to contact support to resolve the issue. Due to this account problem, the monthly bill and interest kept adding up. The bill went from {$25.00} a month to over {$300.00} now. I am currently more than double over my credit limit and approaching charge off in less than 30 days. Eventhough I have had this problem for 6 months and spoke to customer support several times, they still keep reporting missed payments to the credit bureaus and my score has decreased dramatically. I have received email offers and phone calls from Capitol One to make lower payments and I accepted the offer to which the payment would be {$50.00} a month for 2 months to bring my account back to current status. This was set up by a representative over the phone. When I had tried to make the {$50.00} payment it to was rejected and prompted me to make a minimum payment of {$230.00}. I keep getting calls from them asking for payments and threatening charge off but they will not accept any payment I have tried to make. I was also told that they can see there is an error on my account but can not fix it over the phone and I would need to go to a branch and sit with a manager that could help me. I live in XXXX  and the nearest branch is in XXXX XXXX. That's ridiculous. Still to this day my account has been restricted and I am unable to make any payments. It seems like they are not doing anything at all to fix this problem. Being a Capitol One customer has completely ruined my credit and I am not being treated fairly.
Consumer complaint received 2022-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

last week i applied for a capitol one savor card application number XXXX because they kept sending me preapprovals. they deined me because i had a credit alert on my XXXX account confirmation number XXXX which is now been fixed and my contact phone number is on my alert now. i have sent them documentation, i have sent letters to the ceo 's office, i have sent 2 complaints to the XXXX in va and they still kept turning me down because they want me to reapply and do another credit check on me. i am not doing that because they should be able to still see my credit report from last week and i am not pulling down my credit scores.
Consumer complaint received 2024-02-20
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. (GA)

In accordance to the fair credit report Act : this creditor has violated my rights under 15 USC1681 section ( a ) ( 4 ) which states : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] states : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 2. In accordance with the written instructions of the consumer to whom it relates.
Consumer complaint received 2019-03-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

A Debt Collector is trying to collect debt over a charge off account. They are saying they bought the debt. I wonder how came they bought a account with a XXXX dollar balance on it. They also failed to provide me any paper work/ contract to validate the debt to me. They only send me a old credit card bill. They are also reporting this {$500.00} to all credit bureaus. Which hurting my credit and I am financialy suffering. 

Therefore, please help me to stop this inaccurate reporting to all credit bureaus and also help me to stop all short of collection activity about this account. 

The Collecter name is, PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Tel : XXXX ( XXXX ) XXXX
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
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.

Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 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. 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 2020-12-07
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2017-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I had gotten my  XXXX   XXXX  debit card stolen on  X/XX/17    and called it in the following day. I was told my card was canceled as they caught a fraud attempt of a cash withdrawal of {$130.00} at a  XXXX  gas station in  XXXX , IL. I was not asked about any previous transactions to verify no other fraud was made and I understood that the {$130.00} attempt was the on ly one. I  have an installment loan with  XXXX  and a payment of {$46.00} is taken automatically from my checking account every  XXXX  of the month, however,  XX/XX/XXXX 's payment was not paid due to my account having insufficient funds. I opened my monthly statement and see that a purchase at  XXXX  's was made for $ 30+ and caused my funds to drop. That purchase was not made by me and was fraudulent and was not verified by me through  XXXX  when canceling my card and caused the payment for  XX/XX/XXXX  to be overdue. I attempted to pay my past due balance in person at a branch in  XXXX , IL and was advised to wait until my next payment day of  X/XX/17    to avoid being double charged. I listened and come   X/XX/17   I received a phone call from  XXXX  's credit reporting office and was informed my payment was 30 days overdue and was now going to be reported to the credit bureau and was misinformed on the double charge statement. I paid the overdue payment in addition to  XX/XX/XXXX  's payment that totaled out to {$100.00} and then the next day was in fact double charged for   XX/XX/XXXX 's over due payment which put me at insufficient funds once again.  XXXX  has reversed fees but still said it was going to be reported to the bureau and refused to retract it since I took the proper steps to make the payment but was misinformed.
Consumer complaint received 2021-05-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (MD)

I have been working with Select Portfolio on a short sale of my property. My attorney and I have called numerous times and been told they are working on it. The relationship manager for my account is never available. I think that the lender is intentionally delaying the review and acting in bad faith. 

Please help me.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I hope this letter finds you well. I am writing to follow up on the dispute I submitted on XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in White v. XXXX XXXX XXXX, 993 F. Supp. 2d 1154 - Dist. Court, ( CD California 2014 ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts. I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt. I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.
Consumer complaint received 2022-01-17
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: DISCOVER BANK (NJ)

I was charged {$900.00} by XXXX XXXX XXXX. It turns out the items delivered and the offer did not correspond to the presentation made and the follow up session. I asked for my money back. XXXX refused. I contacted the credit card company discover. They provided a temporary credit. XXXX failed to respond in any way to Discover. I asked Discover to credit my account. Although XXXX as not responded Discover has again charged my card and reversed the temporary credit. I have asked them to recredit my account. If? XXXX refuses to respond then I want them to permanently credit my account.
Consumer complaint received 2019-03-06
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY (IL)

I am filing a complaint about the XXXX XXXX XXXX service. This fall, in XXXX, the company changed the way they notify customers of payments due. In the past, they sent emails containing the amount due on the card, which I would then pay using secure bill payment with my XXXX app. Please see screenshots of emails below. I included one from before the change and two from after the change, which offered no reason for me to think I had a past due payment. I missed a payment due to this change, which I was never notified about. I paid the principle as soon as I realized it was due, but did not realize I had an outstanding late fee, which continued to accrue fees over the next two months. When I received a letter from XXXX in the mail asking for payment, I was shocked and made the payment as soon as I could. However, this 90-day-late payment has now caused my credit score to go down 90 points, and will not leave my credit report for 7 years. As a medical student in my mid-twenties, this is a major problem. I need to have a good credit score in order to qualify for loans. I have taken this matter up with XXXX, and while they were able to reduce my late fee, they refused to do anything to help me get this delinquent payment off my credit report, which is the far more critical and pressing issue.
Consumer complaint received 2021-04-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Elevate Recoveries, LLC (FL)

This debt had previously been removed by another company. I received a notice from elevate stating I owed a debt for a bill that was previously disputed and removed with another company. Letter stated I had 30 days to dispute the transaction. I sent elevate the following by certified mail in USPS. 


" XXXX XXXX XXXX, FL XX/XX/XXXX Elevate Recoveries , LLC XXXX XXXX XXXX Re : XXXX Dear Elevate Recoveries LLC, I am responding to your contact about collecting a debt. You contacted me by mail, on XX/XX/XXXX and identified a debt. 
I do not have any responsibility for the debt youre trying to collect and has previously been reported to Consumer Financial Protection Bureau. 

If you have good reason to believe that I am responsible for this debt, send me debt verification via mail with the documents that make you believe that. Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you have reported it to a credit bureau report that the debt is disputed. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX " Elevate failed to provide information to verify this date and did not respond but instead reported negative collection agency. I disputed the collection on my XXXX report however elevate state it was a valid debt.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).

1. The inquiry was unauthorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please delete it from my credit report. 

2. The inquiry was unauthorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please delete it from my credit report. 

3. The inquiry was unauthorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please delete it from my credit report. 

Close Paid as agreed on time I was never late and this is inaccurate and an FCRA violation.

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this accounts listed below is in violation not reporting 100 % accurate.

1. XXXX Account Number : XXXX Validate Prove it with a wet signature that this account belongs to me. 

2. I was never late and this is inaccurate and an FCRA violation. 
XXXX Account Number : XXXX Update this account to paid on time. 

3. Delete this unverified and inaccurate account. 
XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Validate Prove it with a wet signature that this account belongs to me. 

4. Delete this unverified and inaccurate account. 
XXXX XXXX Account Number : XXXX Validate Prove it with a wet signature that this account belongs to me. 

5. Delete this unverified and inaccurate account. 
XXXX Account Number : XXXX Validate Prove it with a wet signature that this account belongs to me. 

6. Delete this unverified and inaccurate account. 
XXXX Account Number : XXXX Validate Prove it with a wet signature that this account belongs to me. 

7. Delete this unverified and inaccurate account. 
XXXX  XXXX Account Number : XXXX Validate Prove it with a wet signature that this account belongs to me. 

8. Delete this unverified and inaccurate account. 
XXXX Account Number : XXXX Validate Prove it with a wet signature that this account belongs to me. 

9. Delete this unverified and inaccurate account. 
XXXX XXXX XXXX Account Number : XXXX Validate Prove it with a wet signature that this account belongs to me. 

XXXX. Delete this unverified and inaccurate account. 
XXXX Account Number : XXXX Validate Prove it with a wet signature that this account belongs to me. 

11. Delete this unverified and inaccurate account. 
XXXX  XXXX Account Number : XXXX Validate Prove it with a wet signature that this account belongs to me. 

12. Delete this unverified and inaccurate account. 
XXXX  Account Number : XXXX Validate Prove it with a wet signature that this account belongs to me.
Consumer complaint received 2022-03-29
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 (PA)

I made a purchase on XXXX  on or before XX/XX/22. In the amount of {$320.00} for a dinning table set from their 3rd party vendor. I item wasnt as described on the website and when I received the item it wasnt in a box and the item was very very small. I called Walmart to inform them and to return this item I was told that they had to email The vendor and give them time to respond. The vendor then emailed me asking for pictures of the table in which I sent to them several times. I asked over and over for a return label and a full refund and nothing. I called my credit card company and they still charged me {$320.00}. I have emailed saved with the communication between me and the seller.
Consumer complaint received 2020-11-25
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: Accounts Receivable Inc. (WA)

On XXXX XXXX, 2020, ACCOUNTS RECEIVABLE add a derogatory mark on my credit report per XXXX  and XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA ACCOUNTS RECEIVABLE has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2022-01-17
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)

I have disputed with the credit bureaus that inaccurate information reporting on my credit report. I have not heard anything regarding the status of the investigation from the credit bureaus. There is inaccurate reporting on my credit report from the same creditor and I'm unsure why there will be so much inaccuracy from the same creditor.
Consumer complaint received 2022-01-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: J J Marshall & Associates, Inc (MI)

XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) wrongfully billed me for {$250.00} for a procedure on XX/XX/2019. As per attached EOB, the " Patient Responsibility is {$0.00} ''. I rejected the bill as such and attached. XXXX then turned over this false bill to the debt collector " JJ Marshall Associate ''. Subsequently, JJ Marshall eventually reported this false claim to the XXXX credit bureaus ( XXXX, XXXX XXXX XXXX ). I was able to " win '' my dispute with XXXX and XXXX and kept my XXXX credit score intact but XXXX did not see it in my favor. I believe the reason is that as far as JJ Marshall Associate is concerned their client turned over a valid debt and their responsibility is to the client and they have no interest in understanding the actual " root cause '' i.e. the debt is false as per my health insurance provider. My request is that JJ Marshall Associate removes this collection from my " account '' and from all credit monitoring agencies. 
JJ Marshall Associate address : XXXX XXXX XXXX, XXXX MI XXXX, phone : XXXX.