davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NM)

In XXXX I payed my statement balance on XXXX which was normal and no problems at that time then on XXXX I payed the balance again because I was going out of town and wanted to stay ahead of the game. Later on in the month of XX/XX/XXXX my card was declined so I call Capitol One to inquire as to why the charges would not go through well after an hour of XXXX about fraud they said my card payment was past due so I explained how I had payed the balance twice in XX/XX/XXXX and that it was a 30 day revolving card. Well come to find out my statement had not cycled until XX/XX/XXXX and there were a total changes of XXXX that had come through on the XX/XX/XXXX so my account was past due. I have been a customer for 17 years and have always payed my bill on time. They charged me XXXX in intrest on XXXX and the account should have never been classified as past due! This is hwy robbery and poor business practice at the very least all attempts to resolve have failed the people I talked to have such heavy accents they were very difficult to understand as well. I will be shutting down my card as soon as i can use my XXXX points. 
Given the fact this Bank is responsible for the largest data breach ever it is apparent that they are crooks as well.It is time large banks such as Capitol One be held responsible for there poor business practices and I hope this complaint starts the process. This is totally unbelievable. Thank You XXXX XXXX
Consumer complaint received 2020-04-27
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. (TX)

ftc violations attached The FTC says that University XXXX XXXX used a multi-media ad ... of one of my final classes for my XXXX, which is a violation to say the least. ... I don't owe money directly to the school though I owe it to XXXX as I'm sure ...
Consumer complaint received 2019-09-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (SD)

Earlier this year I requested a replacement card as mine was worn and coming apart. Capital One sent a replacement card, but it was identical to my current card ( account number, expiration, cvv ) and active while in the mail. The card even had a sticker that stated the card is active and you do not need to do anything. Although convenient this is very lax in security to mail an active card out. A few weeks ago I logged onto the mobile app and when I touched the button to go into the account it said my card was activated. After digging a little deeper I see that a new card was sent for the one I requested earlier this year as it is expiring. I sent an email to the CEO advising that I was not happy with their security measures as with the data breach that occurred, mailing active cards in the mail to customers and now the mobile app activating cards I have not received as the button is overlaid on the account when you login that they should review. I also called on XX/XX/2019 and spoke to XXXX to see when the new card was mailed and told it went out on XX/XX/2019. After waiting a few days and not receiving I called on XXXX and spoke with XXXX and was told the card was " processed '' on XX/XX/2019. It was unclear what " processed '' meant. After the call I received an automated email from Capital One stating my card is going to expire and a new card was sent to replace it that I would receive by XX/XX/2019. It would appear that the agents on the phone do not have a clue what is going on. On XX/XX/2019 I received a call from the Presidential/Executive Correspondence group in relation to my email and spoke with XXXX. The agent was very rude and had a horrible attitude. I was basically told that the reason the button to activate the card was overlaid on the account button was because of the display settings of my phone. Which is XXXX as I am very tech savvy and have used this app forever and never changed anything on the app or my phone. After calling the agent on her attitude she said she would respond in writing. Maybe that response will be attitude free. I did not ask them for anything ( compensation or otherwise ). I simply advised them that as a customer I am very displeased with their focus on customer account security. Also maybe they should find better representatives for the Presidential units. Given that I work for a large financial institution in compliance and have for 20 years I know what good customer service looks like and what security should look like. Capital One has exhibited neither. I also understand that the Presidential/Executive Correspondence Groups in the bank are set up to respond to inquires made to top executives and from regulators, but are made up of low level staff that have little or no authority to really do anything other than respond.
Consumer complaint received 2019-07-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FirstPoint Collection Resources (NC)

XX/XX/2019 I received a letter from First Point Collection saying I owed a debt in the amount of {$590.00}. I responded a week later asking them to validate the debt in form of original bill or detailed statement of procedures. In response they wrote back and said the debt was valid without providing me the documents for validation. XX/XX/XXXX it was added to my credit report.
Consumer complaint received 2019-09-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC (TX)

Phoenix Financial sent a letter on a debt this is a Medical debt that is dated XX/XX/XXXX. This debt was paid. I requested a debt validation and a copy of the bill and HIPPA Release form that gives Phoenix Financial the right to my Medical Billing information. They refuse to supply HIPPA information but sent the bill. The problem is their are multiple dates on this bill. A service date of XX/XX/XXXX and a bill date of XX/XX/XXXX this is not correct. This bill shows a current Patient Responsibility of ( XXXX ). It also, states in bill the amount you Owe is ( XXXX ). This Bill was paid. If you look at the bill it says charges of XXXX. Payments or Adjustment XXXX and amount owed XXXX. Even when you look at the bottom of the bill it say Pay XXXX. Phoenix is trying to collect on a debt that is paid. In Addition, Phoenix is not following the FCRA or FDCPA by re-aging this bill to extend the reporting time to the credit bureaus. I sent in a copy of my XXXX XXXX stating this bill will report until XX/XX/XXXX. If this was a valid Debt is should report starting from the delinquency date. Not the date they place on my credit report. I contacted the XXXX XXXX XXXX and they stayed there is NO DEBT Owed for a Service in my name. This entry is damaging our credit report. Please investigate me and my husband are retired on a fixed income. We don't have the money to pay for a debt that is paid. Thank you sincerely retired and need help
Consumer complaint received 2019-07-24
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: FIRST CITIZENS BANCSHARES, INC. (GA)

For over a decade, my husband and I have been trying to eliminate a predatory HELOC. This predatory HELOC is an adjustable-rate, interest only loan, and over the years payments due have varied from about {$200.00} to over {$700.00} each month. The monthly amount demanded by the current loan servicer, First Citizens Bank, is currently {$590.00} on a balance of about {$31000.00}. 
Since the monthly amount due varies ( increases ), it is difficult to budget for this loan and even more difficult to continue making payments. 
After falling behind on payments, we appealed to First Citizens Bank for a loan modification. We also tried to enlist the services of a homeowner advocate agency to act on our behalf. First Citizens Bank refused to work with that advocacy agency. 
Once we submitted a hardship letter, and over 50 pages of personal financial data, First Citizens Bank made the following offer : A payment of {$590.00} due XX/XX/2019, with payments of {$1000.00} due each month for the next six months. 
The terms offered by First Citizens Bank do not help our situation and will actually make our situation worse! 
First Citizens Bank argues that because the monthly payment they demand is a relatively small percentage of our household income, we do not qualify for relief from this predatory loan. While our income may be higher than that of some Americans, we, like many Americans, struggle with debt. Although we are nearly XXXX years old, we are still repaying student loan debt. We have several thousand dollars of credit card and personal loan debt. And of course the added debt of this interest-only adjustable-rate HELOC. These debts were NOT incurred through travel or luxury. They are the result of home repairs, car repairs, medical bills, and vet bills. Regarding our home and our standard of living. Our home is falling into disrepair and we have been unable to afford a little getaway type vacation in well over ten years.

In truth, this predatory loan has been for us, a decade-plus nightmare comparable to having a XXXX XXXX. We are simply seeking the peace of mind that we will be able to stay in our home. 
Our home is, by far, our single biggest financial asset.
Consumer complaint received 2019-07-24
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: SYNCHRONY FINANCIAL (GA)

On XX/XX/2019, I received several credit alerts that a company by the name of SyncB had pulled my credit report. I immediately knew it was synchrony bank due to this same issue last year. I was told that the credit bureaus are reporting inaccurate information, contact them. I asked to be transferred and was disconnected. The credit bureaus are advising to contact synchrony in an ongoing life circle. This is the third unauthorized or warranted inquiry that's been placed on my report in the past 12 months from synchrony that I can't get removed. After numerous dead end attempts, I want all of them gone asap.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LCI Acquisition Inc. (OH)

LCI Consumer Center XXXX XXXX XXXX XXXX, CA XXXX RE : Your agency Violated my rights to privacy. The law you are violating is here. The civil liability law under which I will sue is here. 15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) Attn : LCI Manager ; ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. Failure to Comply or delete these items 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter concerning any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 U.S. Code 1681o Civil liability for negligent noncompliance- ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter concerning any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure ; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

XXXX XXXX Bankruptcy : Case Number : XXXX Date Filed/Reported : XX/XX/year>XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/year> The bankruptcy information in my credit file is a result of the unauthorized use of my social security number and other personal details. These accounts do not relate to anything I authorized or participated in. The Federal Trade Commission ( FTC ) is currently investigating the matter. Additionally, the information on my report does not comply with Metro 2 credit reporting standards. I have evidence to support my case. Again, I did not consent to the sharing of my non-public information and the reporting of these items is neither fair nor equitable to me as a consumer. The following legal provisions outline my rights as a consumer : 15 USC 1681 Section 602 A : Establishes my right to privacy. 15 USC 1681 Section 604 A Section 2 : Prohibits a consumer reporting agency from furnishing an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) : States that no consumer reporting agency may include any adverse information that is outdated. 15 U.S.C. 1681s- 2 ( A ) ( 1 ) : Prohibits furnishing information known to be inaccurate.
Consumer complaint received 2019-07-24
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. (CA)

They added a XXXX card with XXXX debt on it to bring my score down 40 points. I disputed the card, they agreed it was a mistake, took it off, now my score dipped again. 

I have XXXX credit card debt, a positive bank account. No late payments in a decade this is their mistake causing my credit to dip which is negatively affecting my ability to buy a home
Consumer complaint received 2024-09-28
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: Bread Financial Holdings, Inc. (PR)

i was a victim of identity theft 2 years ago and everything still on my report. i went to the police and police report is made, identity theft is made now im procedding with the cfpb report i really need to get all these account removed from my bureu. 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 2019-09-26
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IN)

In early XXXX, XX/XX/XXXX and on XX/XX/XXXX. I have sent in three FTC/Identity Theft reports, along with the Account Name, Account Numbers and Inquiries that do not belong to me. TransUnion is allowing a XXXX XXXX XXXX ( {$300.00} )  and XXXX XXXX ( {$500.00} ) to continue reporting on my credit file. I do not know where they originated from and I DO NOT possess an inquiry for either account. I have submitted these accounts as fraudulent, sending in the proper documentation and XXXX and Equifax are refusing to remove them. XXXX  is the ONLY bureau that fixed the problem, immediately. Prior to this situation, my credit was stellar and now, both accounts are reporting as late payments and my credit is being ruined. I need this fixed, as soon as possible. 

I did recently move into another apartment, I am not sure if some of my information was stolen. In the past.
Consumer complaint received 2019-09-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I was charged a late fee on my credit card for having been less than one day late. I paid my bill the morning following the midnight cut off period. Due to Bank of America 's computer system not working at the time, I was unable to make the payment on the Saturday XX/XX/XXXX deadline. Therefore, I had to make the payment the following day ( XX/XX/XXXX ) and thus I was charged a late fee of {$28.00}. I called the company ask that it be removed. They refused to do anything about the late fee. I spoke with XXXX XXXX in the XXXX call center on XX/XX/XXXX after I noticed there was a late charge. She refused to do anything about the fee and refused to waive it. I have been a loyal customer for Bank of American since XXXX. I am filing a complaint to have the {$28.00} late fee removed because there was an error in the online computer system of Bank of America that did not allow me to make the payment on the date/time that I attempted to. I would like the {$28.00} late fee waived or reversed.
Consumer complaint received 2019-04-30
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

In XXXX of 2018 my loan was sold to XXXX XXXX by CapitalOne. The notification did not reach me and I only found out after I called CapitalOne to find out why I could not log into their account to make sure my payment had been applied since my bank was not showing it as completed. They stated that the account was closed and the new servicer would be getting in touch with me with payment information and I would just pay the XXXX payment to XXXX XXXX. It was not until a few months later when I got a credit alert that my score was affected by a late mortage payment. I tried contacting XXXX XXXX to fix the error and they do not provide a way to do this. I tried disputing with the credit reporting agency XXXX and nothing ever happend. I am in the process of trying to qualify for a refinance and this is causing my score to be sub-par. I believe that this should not have been reported as late as the mortage was sold and I was not given the opportunity to pay the XX/XX/2018 payment to the company reporting the late payment. I would like this late payment removed from my credit file at all agencies. Thank you.
Consumer complaint received 2019-07-25
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX had a computer glitch, I was trying to pay my mortgage on XX/XX/XXXX. I did not receive a confirmation number. I was worried my payment had not gone through and would be late. I checked the next day, XX/XX/XXXX, and there was no account of my payment. I made another payment and received a confirmation on that one right away. I checked my bank account statement after a few days and two charges had been processed. I contacted my bank and XXXX  XXXX to notify them of the double charge. Somewhere along the road both my bank and XXXX  XXXX reversed a payment- even though I obviously was only trying to get one reversed! Why would I pay twice and then purposefully remove both payments? It doesnt make any logical sense. I got a notice that both the XXXX mortgage had been reversed and that it had now been marked as a late mortgage payment. Exactly what I am trying to avoid! Due to this mixup, we are being offered much worse rates on our next mortgage. Its unfair punishment on my part to receive a serious ding on my credit report for an obvious misunderstanding that began with an error on the XXXX XXXX payment page. I want this mark on my credit removed- its not a reasonable way to conduct business at all!
Consumer complaint received 2019-07-24
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: J J Marshall & Associates, Inc (MI)

I paid off JJ Marshall Company on XXXX. I contacted XXXX and XXXX for the collection account to come off of my credit report. It did not come off and is showing closed on XXXX. This is not true. This is wrong information. I called JJ Marshall Company and spoke to XXXX XXXX, in which he was rude and blamed the wrong information on XXXX. I requested this to be taken off my credit report and they would not do it, nor would they correct it. I am requesting that this be taken off my report. It is wrong information and is bringing my credit score down. Please help.
Consumer complaint received 2019-07-24
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: American Credit Acceptance, LLC (CA)

On XX/XX/XXXX I sent a letter to American Credit Acceptance to provide proof of validation, requesting a copy of the application/form with my wet signature authorizing American Credit Acceptance to pull my credit on XX/XX/XXXX, if no physical proof is provided to myself within 30 days to please remove this inquiry from my credit report immediately. 

They were unwilling to to provide a response to my request for physical proof such as a contract or authorization form or removed such item from reporting to XXXX, XXXX  & XXXX  as of XX/XX/XXXX.
Consumer complaint received 2019-09-26
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (PA)

Macy 's XX/XX/2019 Payment Due Date New Balance XXXX which included a carryover balance from the previous month of {$1.00} plus {$2.00} minimum interest charge. 

I paid {$3.00} on XX/XX/XXXX. 

XX/XX/2019 Payment Due Date New Balance XXXX which is the minimum interest charge I don't understand how they can charge me an minimum interest charge when I paid my balance in full. It seems like its a never ending cycle. 

I called and the representative said if you pay your bills on time you won't be charged fees. I pay my bills on time and always make more than the minimum payment. I have perfect credit and a great score. I think they are trying to gouge the consumer and to me something is wrong here. How can the minimum interest be more than the balance for one? And why would I be charged the minimum interest if I don't even have a balance.
Consumer complaint received 2019-09-26
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I have dispute the accuracy of an account with Transunion multiple times. The date below are dates that I have submitted a dispute with Transunion for the 30-60 day late payment on my account with XXXX. 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Each time I get a notification that my dispute is complete and has changes, yet it does not have changes. My XXXX account was marked late XX/XX/XXXX, 30-60 days late. Which it was not, a payment was made on the XXXX day. I have contacted XXXX numerous times regarding it around XX/XX/XXXX, and was told they would remove it, which they did not so I resulted in disputing it with Transunion. 

This is not the first time this has happened with Transunion. It appears as if they do not even collect or contact the creditor for information regarding what is being disputed.