davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I used BofA bill pay to pay from my checking account XXXX my XXXX XXXX mortgage loan number ending in XXXX. Payments are auto scheduled for the XXXX of the month and due by the XXXX. XXXX 's payment cleared on XX/XX/XXXX. XXXX payment was " sent '' by BofA, but not cleared by XX/XX/XXXX so I called BofA and XXXX XXXX to make sure the check had not cleared or been received by XXXX XXXX. XXXX XXXX confirmed on the XXXX they had not received the check, so I authorized an XXXX debit submitted by XXXX XXXX to BofA to pay my mortgage and avoid late fees. I also asked XXXX XXXX if they received the check late not to process the check against my account. I called BofA and they place a stop payment on the billpay check. On XX/XX/year> I noticed both items showed up as being presented and processing. I called BofA and they let me know that the XXXX would be paid and the check would be returned. 

On XX/XX/year> I checked and both items the check and the authorized XXXX debit had been returned. I called BofA and the customer service rep told me this was a known issue/problem they had not corrected when a stop payment was placed on a bill pay item if the same amount was submitted as an XXXX debit and it was processed for the same vendor it would also be blocked. I asked BofA to fix the problem, send the payment and contact XXXX XXXX to resolve any issues with late fees and returned item charges. They said they could not send the payment unless I wanted to submit my own wire for same day and they would not call XXXX XXXX. By the time I figure this out XXXX XXXX was closed. So I called them on XX/XX/year>. 

On XX/XX/year> I called XXXX XXXX and had them process a new XXXX debit to pay my XXXX XXXX mortgage from my same BofA account. They had not yet seen the returned items, which now would be XXXX returned items and informed me that when the returned items were received they would reverse my payments charge me return item fees and assess a late fee. 

My complaint is about both XXXX XXXX and BofA. I'm using services fit for purpose for bill payment and both parties business practices both breach the merchantability and fit for purpose requirements for financial services resulting in assessment of fees. My sense is XXXX XXXX has established a practice of not setting up XXXX payments from billpay to delay the processing of a payment for customers in good standing so that the payment is not applied early and they can continue to earn interest until they " process the payment '' I have had XXXX different issues with XXXX XXXX not processing my payments on time and have had to authorize XXXX debits at least twice.
Consumer complaint received 2018-07-04
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. (FL)

Good Morning to whom it may concern I am submitting an Complaint that I have with Transunion and XXXX   regarding XXXX XXXX account balance {$2300.00} this company is trying to collect a debt that I have disputed time and time again with them and the bureaus, along with the original furnisher of debt XXXX XXXX. However it always came back as verified with XXXX saying they would no longer investigate since there is no additional info. I then sent debt validation letters to XXXX XXXX and XXXX XXXX and all that was sent was an account summaries. This is not a accurate or acceptable means of justiying debt per the Fair Credit Reporting act. And with them not providing any instruments of indebtedness, ie original forms of signature, electronic signature or voice recordings. They have to delete. Please hold them accountable and have them delete this off of my credit profile thank you
Consumer complaint received 2018-07-04
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

Good Morning to whom it may concern Im writing regarding an Complaint that I have with Experian. I asked them to delete XXXX XXXX XXXX. Amount is {$680.00} from my credit file as this does not belong to me. I have sent in 609 dispute letters to both parties and it comes back verified. I question this as I have asked for signed documentation or instruments of indebtedness, neither of which have they been able to supply. XXXX charged off this balance and collected insurance on it. But they are still updating the account and reporting that is an violation of my consumer rights and in violation of the Fair Credit Reporting act I asked that this is please deleted off of my credit report.
Consumer complaint received 2018-04-19
Product: Vehicle loan or lease — Lease
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: BMW Financial Services NA, LLC (NJ)

This complaint relates to a totaled XXXX XXXX XXXX. The car was towed to BMW Account # XXXX XXXX XXXX XXXX, XXXX, NJ XXXX. The car stayed there about a week when I was told by the service manager XXXX XXXX to come get my belongings out of the car because it had been totaled out by XXXX XXXX XXXX. And was being towed away. I received a refund check for the state taxes I had previously paid for the car from XXXX and everything seemed to be fine. On my way out XXXX the salesman came to talk to me and stated that since my old car was totaled I should purchase a new car. I told him I was not interested in paying this much again. His manager came out and showed me their loaner cars and said that's what his family drove brand new with just a few miles on them. I paid them {$3000.00} on the spot. I also paid my car payment and had recently paid my car which was totaled on XX/XX/XXXX which was {$530.00}. A week later I receive notification that XXXX had not added a sports package to the assessment and that the car was NOT totaled so I needed to pay them again. I explained I could not pay for 2 cars since they had assured me that the car was totaled. They tricked me into believing that it was paid for. I have been with them since XXXX with no late payments and I am asking that this late payment be removed this is a dispute between them and XXXX. BMW financial is saying they have no control over what their lots do and are not affiliated with them personally. I explained to them they have the same name, the same logo and this is where I purchased my last 3 cars and no one told me otherwise. I even called BMW for a tow service they refused and this led to the car being ruined. Had they come when I asked the vehicle would have never been flooded. For a car over 50k they should have made an effort to get it themselves rather than making a claim. BMW is ruining my credit I called them at least 6 times requesting they work this out with XXXX because they were made aware that XXXX was reassessing the damage. I want this mark removed from my credit. I have not had a late payment on my credit. This is taking it down to fair status when previously it was good and as we know these marks last for upwards of 7 to 10 years.
Consumer complaint received 2018-10-15
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. (TX)

I have sent the attached information to all three credit bureaus and nothing has changed. 

The report states the original charge off was {$5000.00} and High Balance {$1000.00}. 
When actually it was {$10000.00} initial loan.The credit report further shows that no payment was received after XX/XX/XXXX, my attachments clearly disprove that. 

I took out a loan with XXXX XXXX for {$10000.00} on XX/XX/XXXX. I paid it every month at the bank until I went into the bank XX/XX/XXXX and was informed that I didn't have a loan. The teller said it was not in her system, I called Mississippi to the corporate office as I was told. Finally, I was called back and told don't worry about it we will just take your collateral ; I explained I didn't put up any collateral I had good credit. I was referred to XXXX XXXX in Louisiana and he set up a payment plan of {$300.00} a month XX/XX/XXXX which was paid through XX/XX/XXXX until I received a XXXX Cancellation of Debt. The credit reports. reflects no payment was made after XX/XX/XXXX. On XX/XX/XXXX a process server put a citation of service in my Mothers door. XXXX XXXX was suing me for {$3500.00}, I hired an attorney XXXX XXXX, the claim was settled for {$3000.00} ( check copy attached ) Section 2 of settlement documents states it was paid in full. On the credit reports it still reflects incorrect information. I have disputed multiple times and sent copies of my documentation. It is still reflected as an adverse account.
Consumer complaint received 2018-10-15
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I recently used a Capital one Credit card to rent a car. Because I understood that money had to be in the account before a car could be rented ; I religiously added the appropriate funds and monitored my account. When the relationship was over, the charges were more than I had deposited ; although, Capital One posted and has continuously pursued me to pay an amount that does not include deductions of the deposits I made. Therefore ; I have no idea where $ XXXX-XXXX of monies I deposited to secure my interaction was distributed. And my credit is affected. Discussions with the Company produced no clear understanding and the amount of money displayed as owed " Only the Auto payments '' are shown as if this is the reason for my increased debt. My Limit is {$500.00} and I do not believe Capital One paid this ( {$910.00} ) without my deposits. Thus, I have concerns that the neglect will cost me more than what my limit is base on their actions and their huge request for payment. If so, I do not believe this is illegal, an unjust effort to secure money not owed.
Consumer complaint received 2018-10-15
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: ENCORE CAPITAL GROUP INC. (IL)

I obtained a copy of my credit report from all 3 bureaus on XX/XX/2018 and the company XXXX XXXX XXXX XXXX XXXX reported that I owe them {$400.00}. I did not recognize the company XXXX XXXX XXXX and knew I didn't owe them any money, so I sent them a request to validate this debt to me on XX/XX/2018 via USPS certified mail # XXXX XXXX XXXX XXXX XXXX. I requested they send me a signed contract, a description of what the money was for, how did they calculate that amount, and I also asked them to show me that they were licensed to collect in my state. They responded on XX/XX/2018, asking me to supply the name of my attorney who may act on my behalf. They followed up a day or two later with a letter making me aware of their credit reporting policy. This letter was undated. On XX/XX/2018, they sent me a letter telling me that they reviewed the information provided by the previous creditor and found that the information was accurate. They did not send me any proof of the information they reviewed by the previous creditor, only that it was correct. They attached a letter sent to me by XXXX XXXX XXXX XXXX XXXX telling me that my account was sold to them, but still no proof of the debt. On XX/XX/2018, I sent another letter to them letting them know that they did not supply the necessary information to validate my debt. I gave them 15 days to respond, they waited until XX/XX/2018, they sent me a duplicate of their original letter in response. They are currently still reporting to all 3 credit bureaus. I have contacted all 3 bureaus letting them know they are reporting unvalidated incorrect information and they refuse to remove the false information.
Consumer complaint received 2018-04-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

We received a phone call from a debt collector which purchased an old debt that was paid and settle for the less then the full amount back in XX/XX/XXXX which was XXXX years ago NY stipulation is 6 years this debt was paid and settle XXXX XXXX has contunued to harass me after I have noted several times to stop it has now become harassment
Consumer complaint received 2018-03-19
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. (OH)

My loan was transferred to XXXX XXXX in XX/XX/XXXXfrom XXXX. on XX/XX/XXXX, XXXX XXXX reported to the credit bureaus that my loans " ACCOUNT PAID IN FULL '' with a {$0.00} balance ... But continued to report a COL code on the loan following it being paid in full. Now they have transferred this same loan to a new company and are giving me the run around, even though I have provided copies of my credit reports showing where THEY reported the loan PAID IN FULL and closed as of XX/XX/XXXX. They have continued to take money from me, both from my pay checks AND my Federal taxes. NO one will listen and this needs to be taken care of and the money taken after the paid in full date of XX/XX/XXXX needs to be returned!
Consumer complaint received 2018-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX continues to report the incorrect amount to equifax they have my loan amount listed {$1700.00} more than what I owe and more than what is showing on my statement, they keep reporting this inaccurate amount of {$15000.00}. The accurate amount that should be reporting to equifax is {$14000.00} which is the amount that is on the statement from XX/XX/2018! XXXX is violating the FCRA federal law they keep updating my equifax report with this inaccurate balance which keeps hurting my credit score. I will contact a lawyer if XXXX does not update the account with equifax to the correct amount!
Consumer complaint received 2018-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MI)

XXXX contacted me that a card applied for can not be approved because Equifax does not have my SSN on file. I contacted Equifax who said I should send my SSN card. When I did they rejected it because it has can only work with XXXX  authorization they refused to use it to add this to my file even when this card was issued to me as a XXXX. 
I need my file to be corrected.
Consumer complaint received 2018-05-04
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Continental Services Group, Inc. d/b/a ConServe (GA)

Received Federal student loan from the University XXXX XXXX XXXX XXXX for the Fall of XX/XX/XXXX.  I had some issues that affected my ability to successfully complete the classes as I normally would. As such, I contacted the financial aid department to inquire about the financial consequences before making a decision regarding dropping the class. The representative informed me that I would not need to return funds if I was not receiving Pell Grant. I asked the same question four times and received the same answer each time. As such, I proceeded to drop the classes. On XX/XX/XXXX, I received an e-mail from the university stating that I needed to return funds. I contacted the university and spoke with the head of the financial aid department. After explaining the situation she instructed me to file a formal grievance. I filed the grievance, and during the grievance process the university proceeded to send my account to the aforementioned collections agency. After receiving correspondence from this agency, I contacted them by phone and sent letters via certified mail and first class mail. I explained the situation that caused my account to have a balance.On XX/XX/XXXX, I received a letter from said agency stating that it didn't have sufficient time to investigate my account. On XX/XX/XXXX, I received another letter stating that the account is accurate. I contacted the agency via phone and was told by a " supervisor " that the amount in dispute was from XX/XX/XXXX.  I tried to tell him that the amount in dispute was not added to my account in XX/XX/XXXX, that I was notified of the charges on XX/XX/XXXX. I also informed him that I didn't drop the last class until XX/XX/XXXX, so it was impossible to have incurred these charges in XX/XX/XXXX. However, he concluded that the charges were added in XX/XX/XXXX, and that is false. 

P.S. The agency also tried to argue that the grievance process does not prevent collection of the funds. My question is, why would the financial aid department instruct me to file a grievance to resolve the issue knowing that it would not resolve the issue, and would only delay a resolution? This account should not be a collections agency account, because we could have worked something out before my account got to collections. To conclude, this is an unfair debt collection, and is a violation of the Fair Debt Collections Act.
Consumer complaint received 2018-03-19
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC. (MD)

On XX/XX/2017, I was injured in the job. I didn't go out of work until XXXX. I haven't been receiving an income, however still tried to make the payments with savings. However, at the moment I have no income an will need a month off or real cheap payments. I tried to do that with cashnetusa but was told I couldn't and threats about my credit. Can you please step in to help resolve.
Consumer complaint received 2018-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (PA)

I had an auto loan with Santander Consumer USA, phone no XXXX. They claim I was late throughout the duration of the loan. I was never 30 days late. My husband repeatably, when to our Credit Union which printed out all our payments for the loan. Not one was missed. However Santander kept saying we missed one. Everytime to spoke to someone in customer service the date of the late payment was always different. They did not settle for less then the amount due. Our loan was supposed to be paid in full in XX/XX/XXXX. We agreed to pay a XX/XX/XXXX to just end this battle. It had been going on for 3 years. We actually paid more, not less. They sent us the title right after that.The manager of Santander said he would remove any derogatory information off our credit report. He didn't he actually added more damage. They already have all the documentation concerning our payment history from our credit union. This was provided several different times. Also we made payment to XXXX XXXX which is a division of this company, we paid them in person. After several payments they said they had to keep forwarding them to right location could we please make our payments to Santander on line. I think that is where the problem came into play. The payment or payments never got forwarded to the right place. This is hindering us from getting a mortgage. 

Funny thing in XX/XX/XXXX my husband purchased a new car for me. Guess who was the first bank that wanted our business. Yup Santanders. I told the dealership I rather walk to work. 
These people are liars and ruin peoples 's lifes.
Consumer complaint received 2018-03-19
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (PA)

I owe a debt to XXXX. I know I owe this debt but right now I am financially strapped and do not want to talk to them. I have talked with them in the past and worked with them. We made a payment plan if I paid so much per month they would credit my account but realistically, they did not. 
So after our agreement was up, I stopped paying them. Between late charges and interest fees, I have paid them three times the amount I owe. 
So, they started calling all my relatives and friends starting late in XX/XX/XXXX. When they called my mother, I called them back and told them to stop but they have not. They have called my daughter out in Wisconsin and my son in Iowa. 
XX/XX/XXXX they began to call my sister on a cell phone she just recently purchased. She told them to stop. 
They call my house a minimum of 6 times a day starting at XXXX in the XXXX and call about every 1.5 hours up to about XXXX XXXX  and use all different numbers.

I understand I owe them money. I will pay it when I can. I plan on writing them a letter to tell them to stop calling and harassing me and my family but please something needs to be done now.
Consumer complaint received 2018-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

All three major credit bureaus, Experian, XXXX, XXXX. Have refused to erase fraudulent accounts as well as accounts 7 years prior and older on my credit report repeatedly unlawful updating, and refusal to delete after these accounts have not been verified as my accounts. Theyre refusal to identify these fraudulent accounts have brung nothing but hardship on my life after I have done everything by law to dispute these accounts. These fraudulent accounts and 7plus years accounts on my report are as followed : XXXX XXXX XXXX acct # XXXX. XXXX XXXX acct # XXXX. XXXX XXXX XXXX acct # XXXX. XXXX XXXX acct # XXXX. XXXX XXXX XXXX XXXX acct # XXXX. XXXX XXXX XXXX XXXX acct # XXXX. XXXX XXXX XXXX acct # XXXX
Consumer complaint received 2019-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

I AM VERY UPSET OVER THIS ACCOUNT!!!! I HAVE NEVER BEEN LATE ON A INSTALLMENT ACCOUNT. EVERYTHING I HAVE IS ON AUTO PAY! PLEASE DELETE XXXX XXXX XXXX  # XXXX NEVER DONE BUSINESS WITH THEM UNKNOWN ACCOUNT JUST POPPED UP OUT OF NO WHERE????
Consumer complaint received 2018-03-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I was a victim of identity theft, XX/XX/XXXX someone used my identity to apply for a XXXX XXXX credit card. I called XXXX XXXX and TransUnion and explained this was a fraudulent application but they were not willing to help me until now that XXXX XXXX realize it was in fact a fraudulent application. Please remove the hard inquiry XXXX XXXX XX/XX/2018 from my credit report or changed it to a soft inquiry. Thank you for your help! i already placed a fraud alert on my credit report, i hope this help prevent all the fraud that is going on.