davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I was going through my credit file and I was surprised to find that there are several past late payments on my credit report from my capital one accounts. I've also attempted to resolved with them several them and I yet to get a response from them or even get it updated from 3 major credit bureaus. Also all 3 major credit bureaus are reporting different information about the same account from my Capital ONE. 

LATE PAYMENTS THAT NEEDS ATTENTION : CAPITALONE : Account # XXXX XX/XX/XXXX to XX/XX/XXXX Also CAPITALONE : Account # XXXX XX/XX/XXXX-XX/XX/XXXX I understand mistakes happen, but I received a copy of my credit report and found the following items to be in error. 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.
Consumer complaint received 2018-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

ISSUE : Beware of automated payments from Bank of America 's phone system. I input my checking routing and checking account numbers from the bottom of my check. The system somehow tried to use the routing number and the debit card number rather than the checking number to access my {$200.00} payment. The account was closed without my knowing it. I called when I realized the payment hadn't cleared the bank and made a {$200.00} payment with my debit card over the phone with a live Bank of America agent. She took the payment and it cleared my bank. I was also notified that the account had been closed. I feel that the bank should have called to clarify the problem before closing the card. Especially since the payment didn't clear I feel due to a glitch in their automated payment. 

I feel that they penalized me for the error in the phone system. They said that I input the routing number and debit card number. I don't know how I could have done that when I held the check in my hand and used the numbers from the bottom of the check. So the automated payment system tried three times with the incorrect information. Each time the payment money was in my bank. I am trying to get out of credit card debt and not use the cards, so in a way, since this card is now closed, I am motivated to pay it off, another {$370.00} and be done with it and never do business with Bank of America again.
Consumer complaint received 2018-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (KY)

XXXX XXXX XXXX XXXX will not remove a paid collection from my credit report. The balance owed was {$130.00}, which was paid in full in XX/XX/XXXX. I filed a dispute with XXXX  in XX/XX/XXXX and XXXX XXXX XXXX reported I still owed the amount. I called XXXX XXXX XXXX XXXX in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and each time I was told the account had been paid off and the collection would be removed from my credit report. It is still listed as a collection and should be removed.
Consumer complaint received 2018-05-31
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. (TX)

In XX/XX/XXXX, I notified the 3 credit bureaus of fraudulent activities on my credit report and have been ignored. I've complied with what they asked of me. I consulted an Attorney that advised me, if I find a discrepancy and the credit bureaus willfully ignores your request to delete the error, you can recover the greater of your damages or {$2500.00}. My next step in filing for damages.
Consumer complaint received 2018-05-30
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Atlantic Credit & Finance, Inc. (TX)

Atlantic Credit and Finance has called repeatedly from a blocked number ( No Caller ID ) without leaving messages. They have called and spoken with my family members multiple times, though it is illegal to call more than once. They are harassing myself and my family members and to date I have received nothing in the mail alerting me to this debt collection. They call multiple times a day, mostly during the work day when calls can not be answered, with No Caller ID and leave no message with contact information to return the call. I only know it is them because my brother was able to answer the call from No Caller ID and they immediately told him who they were with ( eluding to the my owing of the alleged debt ). The first time they called, he asked them not to call again, but they did. To date, I am not even sure what the original debt is.
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 XXXX, XXXX, AND XXXX 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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!
Consumer complaint received 2018-05-30
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (IL)

On XX/XX/XXXX, I received a notification by mail from my private loan Navient regarding Interest Rate Reduction program confirmation. According to the letter I was to first complete three qualifying payment of {$30.00} beginning of XX/XX/XXXX. I made the payment of {$30.00} online on XX/XX/XXXX and called Navient the same day. However, their office was closed and I left a voicemail with my name and contact information to verify the payment was submitted. I called again the private loan to confirmed payment and enrollment in the interest rate reduction program. However, I was not given any answers instead I was informed that my message was going to be sent to the department in charge of the program. I decided to call again on XX/XX/XXXX regarding the letter I received. I was informed by customer service representative that the program does not apply to the loan I have with them. I explained that the letter includes the private loan account number I have with Navient. However, customer service representative kept on reassuring me that it did not apply to the loan. 
I was very confused with this information since the letter did include the account number and reference number. I then requested to speak with the manager regarding this matter. The customer service representative put me on hold and then mentioned that the amount of {$30.00} on the letter was a mistake. I asked to speak to the manager again regarding this matter. The manager then explained that Navient did a mistake in sending the payment to be of {$30.00}. I told the manager how it is possible that they send false information to the customers. This is not the first time it happens that they send me false information. Regardless of the mistaken from Navient, the manager was going to proceed in enrolling me in the program. The manager then told me to check in 7-10 business days for the interest rate to change on my loan. I called on XX/XX/XXXX and there was no update on the changes. Up to this date, they keep telling me they working on changing the status of my loan. I have called on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have been calling and leaving a message to the person handling my loan at Navient. That person has not returned my phone calls.
Consumer complaint received 2023-05-06
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. (GA)

You are in direct violation of the fair credit reporting act XXXX XXXX XXXXXXXX has violated several of my rights. 

15 U.S.C 1681 sec 602 A. Clearly states that I have a right to privacy.

15 U.S.C 1681 sec 602 A. Also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B. A creditor may not treat a payment on a credit card account under a open-end consumer credit plan as a late for any purpose. 

Remove these late payment and update this account immediately as you are in direct violation of several laws under the fair credit reporting act.
Consumer complaint received 2018-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AZ)

During XX/XX/2017, XXXX XXXX negotiated with XXXX - XXXX regarding my outstanding balance. An agreement was reached and I have been paying my payments monthly since XX/XX/2017 without any interruptions. However, XXXX is showing my account as a charge off even though they are currently taking and receiving payments for my account. This is causing stress and time to continually go back and forth with XXXX that I hired XXXX XXXX XXXX to help. To this date, XXXX XXXX XXXX  have not been successful either. Please resolve.
Consumer complaint received 2018-05-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (TN)

I disputed this claim from my credit report with the credit bureau. They ( collection company ) responded to the dispute and said the charge was for un-returned equipment. On XX/XX/2018 I emailed the company and provided a receipt from when i returned the equipment ( years ago ) and now they are saying its not because of equipment ( which is what they told the credit bureau ).
Consumer complaint received 2018-05-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (GA)

XXXX Care Credit is stating on my credit report that I owe them {$500.00} on behalf of Care Credit account. I had a old Care Credit account back in 2010 that was paid in full for 2 years. Payments were made on time and monthly. No balance was left and now XXXX is reporting to the credit agencies that I owe them {$500.00} which is not true. I have contact them to ask for proof three times last year and yet they have followed up or responded to any of my request to validate the debt. However, they are still report this as negative on my credit report and it causing many problems for me and affecting me being able to establish credit for an auto loan.
Consumer complaint received 2018-05-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Skopos Financial, LLC (VA)

Account:XXXX ; My car was involved in a accident on XX/XX/XXXX. I filled a claim with XXXX XXXX on XX/XX/XXXX th first time with XXXX XXXX ( claim # XXXX ). After two weeks of not hearing anything I contacted the head of claims and received contact from XXXX XXXX. I also contacted Skopos Financial LLC on XX/XX/XXXXand informed them that the car was totaled. I continued to receive calls from Skopos and each time I told them the same thing. In XX/XX/XXXX they finally transferred me to someone that deals with total loss vehicles. So in XX/XX/XXXX I guess Skopos finally contacted someone at XXXX XXXX and they came to a settlement. Within the XX/XX/XXXX I received a letter from Skopos they were selling my car. I then received a letter from XXXX XXXX ( GAP ) Program Administrator saying after XXXX XXXX settlement of {$10000.00} and after the coverage exclusion the following amount would be waved by my lender. Skopos waved {$3900.00}, not included was {$1400.00}, for missed payments, This is the amount that I am disputing, it is not my fault that Skopos allowed XXXX to take 4 months to settle this claim and because of this they feel that I should pay for their error. Plus they did an update on my credit report and instead of decreasing the amount I owe they increased the amount by $ 300+. Because of this I can not purchase another car and having problems getting a mortgage for a VA Home Mortgage. Any help you gan give me would be greatly appreciated.
Consumer complaint received 2018-05-30
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: General Motors Financial Company, Inc. (CA)

The issue is with GM Financial. 

The lease on my XXXX XXXX XXXX was about to expire, I had the inspection done about 3 weeks before the car was due to be handed in. The excess wear and tear items were : 1.  Damaged Car Emblem 2. Missing charger 3. Missing spare key 4. One tire with too low tread. 
Total : over {$850.00}. 

I figured I had 3 weeks to clear these up. So. 
1. Emblem was just covered in plasti dip, so I removed it. 
2. The charger was at home, the inspection was done at work. 
3. The spare key was at home, the inspection was done at work. 
4. Got the tire replaced with a used that had more tread. 

I returned the car to the dealer, who had no issues, they checked the spare key and charger, both of which I supplied to them Today, I got a letter from GM Financial, requesting the full amount. I called them and they were not interested to hear that I turned everything in, and insisted it was my job to prove it all. I don't have the car anymore, I turned it in about a month ago. 

The guy who did the inspection said that I would be fine and just make sure I return the charger and key when I give the car back. 

This is clearly a rip off. I even washed the car before giving it back.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2018-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

My name is XXXX XXXX and my issues started with a late payment that XXXX XXXX Bank ( XXXX ) has placed on my credit report. I was able to get the late payment removed, but a few weeks later the late payment was reinserted illegally without anyone notifying me within 5 days of the reinsertion. The supervisor, XXXX XXXX, at XXXX XXXX Bank ( XXXX ) insists that this couldve been a mistake with XXXX XXXX, but this was not a mistake. Ive spoken with professionals at XXXX XXXX and they said they only report from Credit Bureaus and can not edit any of the Credit Reporting information. Even after me showing documentation, he still denies that anyone from the XXXX team didnt report any late payment removing changes. I am currently in the process of filing a civil suit against XXXX & the Credit Bureaus. I will not stop fighting this even if I have to get lawyers and a civil suit going.
Consumer complaint received 2018-05-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivable Solutions, Inc. (MD)

Hello, i have this problem with ( receivable solution ) collection agency they have a bill for my wife ( XXXX XXXX XXXX ), they claiming that the amount is XXXX , however her insurance ( medicare ) said and confirmed with a fax that she is only responsible for XXXX , now this company has to correct the mentioned amount and then we gon na pay it because simply someone is incorrect and till now the insurance was able to prove that the collection agency is wrong so i am just asking to fix the amount to meet the insurance amount and we gon na pay it, otherwise i gon na take the case to the court to settle it down .. thanks
Consumer complaint received 2018-05-31
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: United Debt Holdings, LLC (MD)

I managed somehow to pay United Debt Holdings. Which I found out later on never to pay a debt collector without validating the debt first. Moving forward I have been attempting to reach someone at the United Debt Holdings  who can give proper validation of this account. I recently sent a certified notarized letter to the Chief Compliance Officer XXXX XXXX XXXX and received no feed back on validating the account which XXXX XXXXXXXX XXXX sold to them. In previous conversations I found out that United Debt Holdings outsourced the account to another debt collection company that is no longer in business. Their lack of response lets me know United Debt Holdings is unable to give proper validation.
Consumer complaint received 2018-05-30
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: USI Solutions Inc. (DC)

I have gotten several phone calls to my cell phone from a company called " USI Solutions '' calling from number XXXX and XXXX. The people that call say that they are collecting on a debt I have with XXXXXXXX XXXX XXXX  XXXX. I have no such debt that is owed and the representative treated me very rudely and started telling me about payments I allegedly made on this account back in 2009. On XX/XX/XXXX, I answered a call from XXXX from USI Solutions and told the person on the line that I didn't own the debt, and asked them to stop calling me. I used the phrase " cease and desist all contact '' and then asked to speak to a supervisor and repeated my request to " cease and desist all contact ''. Then, today, XX/XX/XXXX, I received a call from USI Solutions ( XXXX ) and I again repeated my request for them to stop calling me and told that I didn't owe the debt. The representative transferred me to several other representatives that taunted me and said that they would continue to call and that only written requests to stop calling would be honored. I requested the company 's mailing address information several times and the representative wouldn't give it to me and instead tried to convince me that I owed the debt.