davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-03
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I was unemployed for nearly 3 months. I contacted all companies with which I had any financial business to make certain of my current financial problem due to unemployment, my job search plan and repayment plan once employed. I was surprised to XXXX that from XXXX XXXX, 2016 to XXXX XXXX, 2016, I received XXXX calls on my cell phone from all companies with which I have a financial business with XXXX calls being from Capital One. The issue I have with Capital One relates to a payment plan. On XXXX XXXX, 2016, I logged into my Capital One online account for the specific purpose of setting up a payment plan to help get my account back into good standing per recommendation from Capital One. First, I added a new payment account which is my new checking account with a local bank. Second, I deleted my old checking account with XXXX Bank. Lastly, I set-up a payment plan for the company to deduct {$370.00} on XXXX/XXXX/2016, XXXX/XXXX/2016 and XXXX/XXXX/2016. These were dates that Capital One website generated and I accepted. Oddly, Capital One appears to have sent the first payment deduction to my old checking account prior to sending to the new account, despite the old account being deleted prior to setting up the payment plan. I have a photo of these attempted transactions with the date. Capital One has continued to contact me, although at a much decreased rate, by email ( XXXX ) and phone ( XXXX ) in order to inform me that my payment continues to be late and that I should submit a payment to avoid being reported to debt collecting agency or credit reporting agency. This does not seem to be fair or appropriate at all. I took the steps the company recommended because I wanted to avoid being reported to debt collecting agency or credit reporting agency. I assumed that once a customer set-up a payment plan, I might get the standard reminder, but not an ongoing complaint of late payments and risk being reported to debt or credit collectors. I feel like I have held up my end of the deal and should not continue to be told that I am late and I should pay my bill. I 'm not certain what the point of the payment plan is, if Capital One continues with threatening business as usual.
Consumer complaint received 2023-04-15
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. (GA)

On XX/XX/23 I sent notification of identity theft on my credit report to experian, XXXX and XXXX. I included all accounts that were fraudulent as well as supporting documentation. Police report and my drivers license. I filed a complaint on identitytheft.gov and forwarded the information to the bureaus and the companies reporting.
Consumer complaint received 2017-01-25
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (MO)

I enrolled in graduate school this past fall, and reached out to all my loan providers to confirm deferment of my monthly payments. After a few phone calls, everything was set. I went through all of the fall semester without issue. I randomly logged into my Navient account this past XXXX to check on my account, and I noticed a payment scheduled for XXXX. Totally clueless, I called them immediately to see what was going on. I was advised more than once ( on separate phone calls ) that the issues was related to the clearinghouse that confirms full-time enrollment. Navient advised that all I needed was to provide them with an enrollment verification, and everything would be fixed. Unfortunately, I was out of the country for part of my winter break, and in conjunction with the holidays, I could not get this to them prior to returning to school on XXXX XXXX. I called Navient again, and was told for the first time that I owed them interest-only payments during in-school deferment. This was the first I had heard of this. I asked for a manager. The manager ( XXXX ) was extremely rude and unhelpful. She told me I was not charged in XXXX by mistake, and was charged in XXXX. I was not charged in XXXX. I received no payment reminder emails during the month. The manager offered zero help in the way of mutually working some plan out. She advised me I could sign up to make 15 straight monthly payments, but having not planned to be making these payments during graduate school, I told her that I did n't know how I could start coming up with that money out of nowhere. Finally, her suggested solution, if you can call it that, was that I just refinance with someone else. I feel like I was misled and disrespected.
Consumer complaint received 2017-01-08
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

I was solicited by Bank of America to transfer a balance with a a promotional 0 % on the transfer and purchases for 18 months. That is how it was presented per phone conversation XX/XX/2016. The very first purchase I made on top of the balance transfer was charged interest. When I called they said ONLY the balance t transfer was promotional. That was NOT how it was presen ted. I had a credit card with low interest rate. BOA has CSR that misrepresent. I called to make sure I asked all the right questions when I got their solicitation in mail. This is their MO. Since you NEVER know who you are talking to and where except today when I called to complain. I actually spoke to someone I could understand. Funny how that worked.
Consumer complaint received 2016-05-10
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

Complaints [ Bank of America, Home Equity Line of Credit ( HELOC ) ] : ( 1 ) Numerous software/customer interface problems. 
( 2 ) After repeated requests, unable to obtain the " loan application '' referenced in the signed " Borrower 's Certification and Authorization, item 1 ''. In the same paragraph, item 1, it states that " I certify that all of the information is true and complete. '' ( 3 ) I was also unable to obtain the " loan '' details until just before closing, in which items unknown and never discussed were verbally communicated to me. 
( 4 ) After I gave them the ultimatum that " If I did n't get a copy of the loan application I would not close '', no more of my questions were addressed and they just wanted us to sign the closing docs. We never did and I am currently going through the process with other banks. 

Note : I have detailed information and content on all correspondence with the following contacts. 

Contacts ( telecons, emails, and CCs ) : - XXXX XXXX ( XXXX XXXX ), Mortgage Loan Officer ( evaded my email questions and always wanted to hand me to others ) - XXXX XXXX (? ), Chairman and CEO ( CCs triggered many responses and moved the process time from 6-8 wks. to 4 ) - XXXX XXXX (? ), XXXX XXXX 's manager ( no responses ) - XXXX XXXX ( XXXX ), VP, Fulfillment Team Leader - Consumer Lending Client Experience ( seemed very responsive, but stopped communicating after item ( 4 ) above ) - XXXX XXXX (? ), Site Operations manager ( I left a return call message, no response, and he later claimed voice mail issues ) - XXXX XXXX (? ), Home Services Specialist ( responded well, expedited process, good performance ) - XXXX XXXX ( XXXX ), Inbound Specialist ( the best customer experience that I received, actually seemed concerned and answered all of my questions ) - XXXX XXXX (? ), XXXX XXXX 's manager and Call Center Supervisor ( after discussing my loan app concern and ultimatum in items ( 2 ) and ( 4 ) above, she said she would get back to me with a resolution in two days, and she never did )
Consumer complaint received 2015-10-23
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

multiple threatening calls from an agent named XXXX, who was rude and disrespectful to me on the phone. She also threatened to sue me and take away my property if i did not pay. She called me abusive and condescending names, and refused to provide me with a manager when requested. She then attempted to illegally withdraw funds from my bank account after I advised that I did not authorize it. She somehow found out my banking information and made multiple attempts to withdraw funds. Its now been over 8 years, and the debt is beyond the statue of limitations, and thus has been removed from my credit reports as of XXXX 2015. It can not be placed back on it, and they can not attempt to threaten me to do so.
Consumer complaint received 2017-02-07
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (NJ)

My last Citi credit card statement included a late fee of {$20.00}. When I called the company for an explanation, they told me it was for a late XX/XX/XXXX payment ; going on to explain that my payment is due to Citi on XX/XX/XXXX and THEIR records show that the payment was not received until XX/XX/XXXX. 

This puzzled and disturbed me because I had previously set up the payment electronically through my checking account to arrive on time. So, I did some investigating and as you can see from my attached XXXX Bank statement, the funds were electronically transferred to Citi on XX/XX/XXXX with an expected delivery date of XX/XX/XXXX 

Even if, for the sake of argument, the payment did not arrive on XX/XX/XXXX as expected, there is ABSOLUTELY NO WAY AN " ELECTRONIC PAYMENT '' TOOK XXXX DAYS to get to Citi! The company may have refused to recognize it but they did receive it in advance of the due date. I am writing to you because I need your help. Citi has denied my request for a refund both on the phone and in a written letter. And I believe that this is unacceptable! A prime example of a big company taking advantage of the little consumer. Please help me because I NEED my {$20.00}. In this challenging economy, my husband and I are finding it very difficult to make ends meet. Therefore, I must pursue this matter as I can not afford to ignore it. 

Lastly, I would like the company invested to see how many other consumers electronic payments are being " ignored '' so that Citi can charge a {$20.00} " late '' fee. 

Thank you for your assistance, XXXX XXXX XXXX, NJ XXXX Work # : XXXX
Consumer complaint received 2015-09-06
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (WA)

I attempted to request a copy of my credit report through Equifax about a month ago. They got all my information and my older brother mixed where all of his and my stuff are showing up together eventhough the name, social security, and date of birth are all different. I spent over an hour on the phone with a manager by the name of XXXX, who promised to get it all corrected and will call me back in 24 hours. I never heard back and got busy with work. Today I get a notification that a negative trade line that belong to my brother got updated on my credit report. When i called again to attempt to get this resolved and almost an hour on the phone, i get told there was nothing they can do and i have to write to their dispute department. I am not an expert at the FCRA, but from my basic elementary understaning there are multiple violations that have been commited by the CRA and there has to be something that needs to be done. This is creating so much damages, emotional and material and preventing me to accomplish what i need. This is completely aheme that an organization as big as Equifax, specializing in accurately reporting information, ca n't seem to comply with simple basic law requirement. How many other people i wonder are having similar issues and simply dont know what to do or where to turn.
Consumer complaint received 2016-12-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (IL)

In XXXX I paid off a XXXX smart option loan in the amount of {$1100.00} to a closed school. The school has been closed since XXXX/XXXX/XXXX. XXXX XXXX I told Navient that I would be able to settle my second private loan that is {$5600.00} in the XX/XX/XXXX. Navient reneged and sent me to XXXX. I agreed to settle for {$2500.00} with XXXX. XXXX bank felt as though that the transaction to XXXX XXXX was fraud and froze my account until XXXX XXXX. XXXX XXXX asked if I can get a third party involved to make payment. My third partys bank is XXXX. When he was getting ready to make the transfer XXXX XXXX acted like they did not want to give him their routing number. In order to do a wire transfer here in the USA you need a routing number for the bank. Two weeks went by and XXXX XXXX contacted my third party again about payment. XXXX broke the law by contacting hmi without my consent. I spoke to XXXX XXXX manager XXXX XXXX and he said he would write a letter to settle the account for a {$0.00} balance.I waited two months contacting XXXX XXXX with no resolution they were ignoring my calls. I contacted NAvient in XXXX XXXX abou this issue. Their escalation deprtment admitted that have had problems with XXXX and I asked them why did they send me to them if they knew that. All year XXXX the escalation deprtment has done nothing to resolve this issue. I contacted the Consumer Advocate group this past fall. They keep saying that the School I still open and that they need a letter from the XXXX. I gave them a letter from the XXXX XXXX XXXX XXXX XXXX, email from XXXX office, XXXX email, and email from XXXX other federal student aid agents. would like a refund for the private loan I paid for to the closed school to be settlement for my second private loan with Navient. Navient refuses stating that the school is open. It is not. I keep uploading pictures, documents to no avail. Even though Ive been in contact with Navient they told me in XXXX that my loan was coming back to them so we can resolve the issue. That was a lie They sent my loa to another collection agency in XXXX with the amount owed of {$7000.00}. That is not right
Consumer complaint received 2016-05-31
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

capital one is hitting me with a 30 day late on my credit report. 

between XX/XX/XXXX-XX/XX/XXXX i had setup automatic payments via their website. the payments were supposed to come out of my account on the XXXX of every month. for some reason capital one never withdrew the money from my account. 

Capital one didnt contact me via phone until i was 36 days late. i immediately paid the balance owed. 

now i have a 30 day late on my credit report if capital one system would hav eworked correctly or they had contacted me prior to the 30 days, this would not be an issue i dont think my credit should be stained because capital one system didnt work properly. 

at this point capital one has told me there is nothing they can do. i know this to be false. 

i havent been late on this or any other card in the last 7 years.
Consumer complaint received 2016-08-03
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

WAS TOLD BY CAPITAL ONE THAT IN 2002 THERE WAS A CHARGE OFF IN THE AMOUNT OF {$2100.00} IN MY NAME OWE TO THEM. HOWEVER I WAS NEVER NOTIFIED OF ANY SUCH CHARGE OFFS OR EVEN SEEN THIS ON MY CREDIT REPORTS. I ALSO WAS NOT MADE AWARE OF THIS WHEN I HAVE SINCE OPEN XXXX ACCOUNTS WITH CAPITAL ONE IN MY NAME SOCIAL SECURITY NUMBER AND DOB.
Consumer complaint received 2016-05-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (FL)

I am the author and owner of all communications within this complaint. I do not agree to allow this complaint to be managed outside of the portal. 

My Credit report currently has " XXXX '' reporting inaccurately, and in an incorrect manner. 

I dispute the validity of this account/Tradeline. 

1. The " Type of Account '' says NA, and should be " Revolving/Option '' 2. There is no Payment History in this account - and there should be as this account was opened for over 13 years 3. There is no Balance History in this account - and there should be as this account was opened for over 13 years 4. Because this account has no Payment History, please verify its Status/Major Delinquency date 5. Because this account has no Balance History, please verify its Status/Major Delinquency date 6. This account has no Activity Designator, and should as this account is Closed 7. FCRA states that this account must have a balance of XXXX, and this field is blank, please correct this information. 
There are no Terms in this account, and it was Monthly - please correct this information. 

Please validate this Tradeline, and resolve the errors - or Delete this account. 

Please provide a printed report, when resolved.
Consumer complaint received 2016-02-09
Product: Credit card — 
Issue: Payoff process — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I called Capital One on XXXX/XXXX/XXXX to try to resolve an old charged off account for {$900.00} payment today. The account has a balance of {$1700.00} and I spoke with a representative that says that the account is uncollectable and that they can not accept any payment because I had been issued a XXXX for this debt in XXXX. I would like to resolve this account for a paid in full {$0.00} balance to be reported to the credit bureaus. I have the ability to pay, but Capital One says that this debt is now uncollectable and forgiven. Please help.
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (IL)

I have loans with Navient/XXXX and I have been affected by their illegal and unethical business practices. I have had payments incorrectly allocated to my loans, been put on forbearance without requesting it, was not allowed to apply for an income-based repayment plan or any other plan to help lower my monthly payments, and I was sent multiple generic emails that ended up being very important documents.
Consumer complaint received 2016-05-17
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (ID)

Bank of America bought out my mortgage from countrywide. While XXXX to XXXX I got behind and bank of America allowed me to do a 5 year loan modification program at 3 % and stated as long as I made all payments and stayed up on my payments at the end of 5 years I could then do another loan modifaction/refinance at a similar rate. At the end of 5 years and not missing any payments and fulfilling all obligations bank of America refused to refinance and assigned my loan a 9.5 % interest rate. Sometime during the 5 years bank of America quit doing loans on my type of home which is partially a manufactured home with additional wood construction. I was not given any options or choice, bank of America refuses to refinance leaving me stuck with an obscene interest rate. So even though I was told that if I full fill all of my obligations in the terms of the 5 year refinance I would be able to refinance at a competitive rate. This refusal was not because of anything I did but because bank of America decided they no longer finance this type of home. I have made numerous phone calls to bank of America and every time I am told there is nothing they can do.
Consumer complaint received 2015-09-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

There are XXXX hard inquiries XXXX dated XX/XX/XXXX and XX/XX/XXXX and neither are mine as I do not have an account nor have I ever used or applied fro XXXX service. I have reported to XXXX and EQUIFAX and they removed XXXX previous hard inquiries but these XXXX remain on my credit file. Also there are XXXX from EQUIFAX MORTGAGE dated XX/XX/XXXX and XX/XX/XXXX and I reported to them and they still have not removed although via phone they acknowledged they were not mine. I never requested any mortgage from EQUIFAX Mortgage, they say it is XXXX but I do not have a relationship nor have I requested mortgage through XXXX. I have reported to XXXX and still nothing resolved.
Consumer complaint received 2015-08-04
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

i acquired the debt in a divorce and filed bankruptcy chapter XXXX.the debt is from 2009 and in the state of Louisiana statue of limitations is 3 years which makes this a time-barred debt.XXXX did n't send in a claim to the u.s. bankruptcy courts and has filed a suite against my ex.i have read up on certain laws and found that they have violated the fdcpa by attempting to sue for a time-barred debt as well as not complying to the Louisiana statue of limitations and have put them selves in contempt of court as pursuant to the u.s. bankruptcy automatic stay.
Consumer complaint received 2020-05-27
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated (CA)

I lost my EPPICard where I receive my child support payments, I've been trying to call costumer service for multiple times for the past 2 weeks nobody answers, I get put in hold by an automated answering machine and after waiting for 15 to 30 min it hangs out. I tried contacting the Child support agency a couple of times but they tell me that there's nothing they can do, they tell me to call costumer service. I'm currently depending on the money I have in the card, for food and bills. I haven't been successful in contacting or getting information about the issuer 's of the master card that I lost
Consumer complaint received 2017-03-08
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

My name is XXXX and I reporting BANK OF AMERICA XXXX, TX XXXX do to false credit report. I called the customer service on XX/XX/XXXX requesting to remove the incorrect information in my credit report from dates XX/XX/XXXX and XX/XX/XXXX by XXXX of over of credit limit the representative responsed that was n't possible to remove it in which I believed is unfair since my credit score decrease by a XXXX points. I will like this agency to take matter since, I consider that many other people like myself are in the same situation. If you need any further information please contact me at my e-mail XXXX or my mobil XXXX. Thank you Sincerely, XXXX