davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Adjustments Inc (NV)

I receive calls every day from XXXX along with messages stating they are calling me about a debt. I have never received a notice in the mail stating I owe money to anyone. When I researched the telephone number online I found that they call to collect a student loan. Our student loan payment comes out of our checking account religiously every month so there should be no reason for a student loan collector to be contacting me. Also, as I have already stated, I have never received any paper notice in the mail and I check my mail every day. So I believe this is a scam.
Consumer complaint received 2017-11-29
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Aqua Finance, Inc. (FL)

This is not a vehicle it is a commercial trailer loan with a company called Aqua Finance, which i do already have a existing open loan since XXXX XXXX. Yesterday XXXX/XXXX/XXXX I applied for a additional loan through the funding company Rock Solid Funding that goes through Aqua Finance ( which again I have a open loan already with them on a trailer I purchased XXXX ) I got a email from the XXXX XXXX XXXX  that Aqua Finance denied me. I called Aqua finance today XXXX/XXXX/XXXX at XXXX ( eastern time ) I was on the phone for 41 minutes and got no where.I spoke to the lady who answered to find out why I was denied she said my account is past due, I explained to her it is not according to all the invoices/receipts she spoke to a supervisor and came back on the line and said due to that they denied me, I asked to speak to a supervisor ( XXXX ) I explained I am current according to all my bills since XXXX she transferred me over to billing, I spoke to XXXX she said she has a 3rd party billing and they always mess up and explained I had a payment due today which I was aware of and was to pay today ( which I did ) I asked XXXX so I am not past due she said No. I asked to be transferred back to ( XXXX ) the supervisor she then said the same things I said I need to talk to your Supervisor she got me on the phone with XXXX I explained the whole situation that I should not be denied for past due balance cause I am not, I told her that I have all emails, receipts, their invoices showing no past due etc.. She then stated we are not financing you due to late payments, I then got upset mentioned to her that I will contact FTC and who ever I need to since I feel this is a " false statement about the ability to offer a loan '' since I do not have a deliquent/past due. XXXX then changed why i got denied and said we are not approving you due to having to pay off exsisting loan which I then got angry with her and said oh now XXXX you are changing why I got denied after you and everyone else stated before I was denied for past/late charges which is incorrect!! She then had nothing further I told her I will forward all this proof over that I am not late/past due she then didnt want to speak to me further. 
I am so upset with how this is handled and how i am being falsely denied of this loan which is affecting y business.
Consumer complaint received 2017-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

credit bureau is consistently reporting the wrong personal information. I have faxed over ss card, ID, bills, etc to get information corrected nonetheless they are continuing to report incorrect information. The incorrect reporting is hindering me from obtaining credit.
Consumer complaint received 2017-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

credit bureau is consistently reporting the wrong personal information. I have faxed over ss card, ID, bills, etc to get information corrected nonetheless they are continuing to report incorrect information. The incorrect reporting is hindering me from obtaining credit.
Consumer complaint received 2017-11-29
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: AMCOL Systems, Inc. (TN)

The company is Amcol Systems collecting on some medical bills of my XXXX husband. In XXXX of this year I set up a payment plan of {$25.00} a month which is hard to pay most months being a single mother. At the beginning of XXXX I called the company and told them I needed to miss that months payment due to not having the money and the man I spoke with told me if I did n't pay the payment they would garnish my wages and take anything they could take to make the payment, so I just borrowed the money and payed the payment. On XX/XX/XXXX I called and told the lady that answered that the payment may be a few days late and she stated that If the payment was n't made by XX/XX/XXXX that I would forfeit my payments agreement with them and would then be liable for the whole amount of the bill in one payment.
Consumer complaint received 2017-11-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (KS)

XX/XX/XXXX was told by Service Rep at Citibank Credit Card that I was eligible for the XXXX XXXX XXXX bonus miles if I was approved for the new platinum card and after charging $ XXXX within 3 months. In fact, he tried to upsell to a more expensive card with XXXX miles I was eligible for. Online, I applied for and was approved for the card almost immediately. When the card arrived I activated it XX/XX/XXXX I noticed in tiny print on the back side of the Welcome letter that I was not eligible for the bonus offer due to recent opening or closing a Citi Card ( s ). I called and and was told by a Service Rep that  Citibank had cancelled a Citibank card in XX/XX/XXXX due to lack of use and that was within the 24 month period, outside of which the bonus miles would be awarded. Spoke to a supervisor, XXXX, who said the same thing had happened to him by CitiCards ( which seemed a bit unbelievable ) and he offered the solution to apply for a XXXX XXXX card not needing the 24 month period, and for which I would get points to use for hotels, airlines, etc. I told him that unless I continue to use a credit card associated with XXXX XXXX, and of which the card he suggested was not, I would lose the XXXX miles I have acquired on XXXX. I asked if they could close the new credit card and show it not opened, I would wait until XX/XX/XXXX for any new offers. Impossible, he said. After I asked for his supervisor, named XXXX, I was told he would call in 24 - 48 hours. 
XX/XX/XXXX Have not heard from Supervisor XXXX. I called Cust. Service, spoke to XXXX and then her supervisor, XXXX who acknowledged from the record I should have received a call back but no one did. She explained that my issue is a 'gaming rule ' and that NO ONE could cancel the account and show it not opened so I was now in a going forward 24 month period of not being eligible for any bonus offers, including the present one. 
XX/XX/XXXX filed complaint with CitiBank Ethics Hotline. Am advised by email I will not hear the outcome of the complaint. 

In the 20 years of being a Citibank customer, I have never registered a complaint of any kind but I can not accept this deceit of being told I was eligible and then in the tiny print, finding out I was not. Citibank customer reps seemed more interested in selling me additional products for commission than resolving my problem.
Consumer complaint received 2017-11-28
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: LEXISNEXIS (CA)

On XXXX XXXX, 2017 I went in person to the XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) branch to add my engagement ring onto my existing renters insurance policy. I had been told previously over the phone to bring the ring for pictures as well as a recent appraisal. Once I was seated with a representative she asked her manager to take the photos and collect my information. I was moved to another cubicle with the manager and she explained that I would receive a bill in the mail pro-rated for the rest of the 2017 year. A week later I received a letter from XXXX that was a Fair Credit Reporting Act Notice ( auto ) that stated I was being denied auto insurance based on a consumer report from XXXX XXXX XXXX XXXX XXXX.  I never discussed auto insurance with XXXX, nor do I have any interest in obtaining a quote from them. I never gave consent for them to pull my consumer report in any way. I have contacted XXXX and spoken with several representatives and managers and no one has an answer for me in regards to why this was pulled or how I dispute it.
Consumer complaint received 2017-11-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (CA)

My complaint has to do with Synchrony Bank under their " Care Credit '' program. This program is used by medical patients under terms and conditions that if the account is paid within six months, there are no interest charges ; however, if the account is not paid entirely in six months interest is charged at XXXX XXXX 

My original bill was approximately {$1100.00} with a current balance of {$950.00}. Full payment is expected on the balance by XXXX/XXXX/XXXX or interest will be added. 

When I called Synchrony today to find out what the interest charges would be if the balance were not paid off by XXXX, I was told that it would be {$140.00}. When asked how they arrived at that number, Synchrony 's representative told me to find an explanation of their computations on their website -- but I could not find such explanation. By my calculations, it appears that back charges of interest will be made on ALL THE AMOUNT OF PRINCIPAL, REGARDLESS IF THE PRINCIPAL WAS PAID DOWN OR NOT. If this is the case, it seems outlandish and possibly in violation of U.S. and California law. I should not have to pay interest on the principal amount I have paid down. 

I believe Synchrony 's practice is deceptive. Certainly, their practices are not clearly and easily spelled out on their website. See : https : //www.mysynchrony.com/ Thank you for looking into this matter.
Consumer complaint received 2017-11-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Choice Recovery, Inc. (OH)

I found a Collection company called XXXX XXXX XXXX XXXX on XX/XX/XXXX on my credit report stating that I owed a bill from a XXXX from 7 years prior. I have never been contacted by the XXXX about a bill being owed previous to XX/XX/XXXX.of any kind, so the next day when I got to work, I called the collection company, Choice Recovery and asked them about  the bill. They had a wrong address, wrong phone number, personal and work and had duplicated the bill twice on their records, which she said she removed one of the bills ... both were for the same date and amount. I begged her to take this off of my credit report since I had been working for a year to build my report up, but she said there was nothing she could do and I needed to just pay the bill. I paid the bill immediately just to get rid of it, hoping that my credit report could recover. That was on XX/XX/XXXX, and the bill is still on my credit report, which I have called them back and called XXXX and XXXX XXXX, but to no avail. HELP!! XXXX said they had asked for verification from the collection company but had gotten no response as of XX/XX/XXXX.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

My account with Experian was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Experian Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them
Consumer complaint received 2016-12-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ORG GC GP BUYER, LLC (ID)

I owe XXXX nothing. My account is current. I called XXXX and they said I own then nothing. GC keeps reintroducing this into my report to EXTORT {$160.00} from me.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (WA)

My account with EXPERIAN was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Consumer complaint received 2017-11-29
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: WELLS FARGO & COMPANY (GA)

The company has been reporting me a running late for 6x times and they have done it in to me in XX/XX/XXXX. I learned that they have switched products and increased to my payment to XXXX from XXXX, which I have been paying for years. I am recently divorced and my husband was paying the bill on line. So, all notices that are on line which Wells Fargo have always pushed me to go online because I could not talk to a person for a year because I did not know my pass word. I open the line in XX/XX/XXXX. I ask them to produce the document that says they could switch my product and all this extra money that have been given needs to go towards her my late fees. The customer service rep said they told me in XX/XX/XXXX. They could not reproduce any paper that said my payment changed, they sent me a note that does not indicate. I want them to remove the late immediately and give me the opportunity to know what products I am in what to expect.
Consumer complaint received 2017-11-15
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I acquired a pre-paid secured credit card with a deposit of {$400.00} with bank of America in 2008. Currently this card is paid off with XXXX balance and this account has been closed for 7 years, but they keep reporting it to the credit bureaus. I want this account to be removed from my credit report. I believe that Bank of America is not suppose to provide information to credit bureaus for pre-paid credit cards and Washington State statute of limitations also restricts the time period to six years, if any. 

I would appreciate any help or advice on how to stop Bank of America from reporting this account to credit bureaus.
Consumer complaint received 2017-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (MN)

My information was compromised due to the Equifax negligence. I contacted Equifax about this information. Equifax has granted the TrustedID program and waiving the freeze fee by Equifax. However, there are other agencies where my information is at risk due to what Equifax has done. I have to put a freeze on my account with those agencies as well. Those freezes cost money. Equifax should cover the fees of putting these freezes on my account with other agencies because without the negligence from Equifax I would not have to put these freezes on my account.
Consumer complaint received 2017-11-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

A ) supplemental payments incorrectly applied t B ) late fees compiles illegally C ) never reconciled and fraud occurred stating electronically submitted D ) interest rate and monthly payments changed without my consent E ) repetitive corrections over years to default back to error F ) just learn that it was not consolidated to a Federal Direct Loan Program where my years Public Service is not eligible for Loan Forgiveness with the U.S. Department of Education.
Consumer complaint received 2017-11-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (NY)

I have called Navient on numerous occasions, when I first graduated and received the loans I tried to get a lower payment. I was denied on several attempts. Then I enrolled back in school and continuously had to call. I am very unhappy with the constant denial and lack of support from this organization. I am displeased with the customer service.
Consumer complaint received 2017-11-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (CT)

TO WHOM IT MAY CONCERN - I HAVE BEEN TRYING TO RESOLVE A DEBT SHOWING ON MY CREDIT REPORT FROM XXXX AND XXXX. I HAVE DISPUTED THIS ISSUE NUMEROUS TIMES WITH COMPANY AND STILL HAVING NO LUCK. I HAVE SENT A CERTIFIED DEBT VALIDATION LETTER ON XXXX WITH NO RESPONSE FROM THIS COMPANY. I AM REQUESTING YOUR SUPPORT IN GETTING THIS ITEM REMOVED FROM MY CREDIT REPORT PER THE FCRA. THANK YOU IN ADVANCED FOR YOUR ATTENTION IN THIS MATTER.
Consumer complaint received 2017-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I had XXXX cell phone service and switched to XXXX when they where offering to pay off last bills to switch to them, XXXX failed to send payment to XXXX, XXXX sold account to XXXX a collection agency I paid them and requested that it be removed from all 3 credit bureau XXXX and XXXX  agreed to remove, XXXX and Experian are refusing my dispute to have it removed. XXXX has removed but XXXX and Experian have not even though the actual debtor is requesting for it to be removed!! Also i have made 4 request in the past XXXX to get my final bill from XXXX and i have yet to receive anything from them other than verbal confirmations of we are sending them to you.