davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2018, I contacted Bank of America on their XXXX number regarding our automobile loan, as I wanted to report that our mail had been stolen, inquire about whether we needed to change the account number, and to see if we had a payment due. 

I spoke with XXXX XXXX who informed me that our account was past due and that it had been reported to the credit bureau. I had not received any telephone calls letting me know the account was past due nor any written notices stating that a payment was due or late. 

I made a payment of {$3300.00} ( Confirmation Number XXXX ) and another payment for XX/XX/2018 ( Confirmation Number XXXX ). Due to the mail theft, she reversed the late fees and stated that I needed to wait for the payment to clear and to call back today to have the negative mark on our credit history removed. 

I called XX/XX/2018 and spoke with an agent XXXX, who then transferred me to a Supervisor named XXXX XXXX out of XXXX Florida. XXXX XXXX indicated that I needed to fax in a request to have the negative mark removed from our credit history. We often pay this account in advance, and there are months where no payment is due, which is why we did not automatically know to send a payment. The moment I realized our mail was stolen ( XX/XX/XXXX ), I called in order to find out if payments were due and to get the account number changed if the account was compromised. We are currently looking at buying a house, so the negative mark is adversely affecting us greatly. 

When I was making the payments, I was informed that Bank of America had been calling a phone number that was twenty years old and it was a number we had never provided to them. In addition, the other phone number they were using was disconnected, despite the fact that our phone number is public, they had called us on the correct number in the past, and was listed on the documents and credit reports. 

Today, on XX/XX/2018, we received a form letter from Bank of America telling us that they were leaving the delinquent note on our credit report with explanation. The form letter did not include anyone to whom we could speak with and only included a XXXX number. We have contacted the XXXX number provided and no one can tell us how to appeal this decision or who we may speak with. They were exceptionally rude and told us it was our fault that the account was reported and that there is no one in Bank of America who can speak with us and that we needed to dispute this with the credit bureau. 

We are respectfully requesting that the Consumer Financial Protection Bureau contact Bank of America and assist us in removing the negative report to the credit bureau due to the mail theft. Please do not hesitate to contact me at ( XXXX ) XXXX if you have any questions or if you need any further information. 

XXXX XXXX XXXX
Consumer complaint received 2019-07-12
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. (FL)

In XX/XX/2019 I was looking to purchase a truck and I got a preapproval from XXXX  XXXX - the truck that I wanted was at XXXX but they would not accept XXXX XXXX ' approval and stated that they would give me a better interest rate so my credit report was hit with 15 inquiries. Got an approval and financed it through XXXX. I was having to many issues with the descrepancy of my name and the interest rates that was agreed upon and trying to get the vehicle registered because XXXX had someone else 's name on the registration and it took them almost 4 months to straighten that out.I decided to go ahead and pay off the vehicle in XX/XX/2019 in the amount of {$28000.00}. On XX/XX/2019 I received a letter from XXXX XXXX XXXX XXXX stating that there was force auto insurance put on from XX/XX/2019 - XX/XX/2019. On top of that XXXX then sends me payoff notification on XX/XX/2019 that I still owe a balance of {$170.00} which I paid immediately on XX/XX/2019 with confirmation # XXXX. 

Despite the nightmare I went through with purchasing this vehicle I am in the process of purchasing a home and my credit report is showing a 60 day late payment status with a 3 credit bureaus for XX/XX/2019. 

When I tried to address this issue with XXXX no one seems to be able to give me an answer or rectify this issue. The 3 credit bureaus said that I had to call XXXX.
Consumer complaint received 2018-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Over the past several months I have requested that Transition provide proof of various issues i had reporting on my report. the latest report as of XX/XX/18 still states the mis-reported information as well as, a report from XX/XX/18, various mistakes in reporting are noted and pointed out and Transunion updated the information that I had found wrong and then added to the time that it will remain, then inform me that unless i send a different letter that Transunion will not look in to there mistakes. It is not fare no legal that due to there mis reporting and unable proof to provide the information i had requested for well over the allotted time needed. the accounts remain and more have been added. also various medical accounts appear as well and i know that is a HIPPA violation. I am not sure as to why nor understand the reasoning behind Transition unwillingness to admit there mistakes and remove the accounts and failed to accept my consumer complaint OR the INCORRECT ADDRESS was reported, EITHER a clear infraction of the requisite conditions of reporting which is to include ONLY TRUE, FAIR, ACCURATE, and COMPLETE COMPLIANT REPORTED DATA. In the LEAST, this item is NOT REPORTED ACCURATELY Surely it is, as such it is unlawful and mandates assert the proper resolution is to eradicate the deceptive reporting so delete today, here and now please. Wrong address was displayed therefore the reporting is DEFICIENT of legal standing to report and to retain is unlawful and a dereliction of adequate mandatory certified compliant reporting of allegations of delinquent and or derogatory consumer information, TRUE or NOT! I DO NOT DISPUTE the reality of the account reported YET XXXX refuses to REMOVE the claim I dispute it. PLEASE EXTINGUISH the " DISPUTE '' remark OR present regulatory requisites that suggests a mandate to retain a dispute statement OUTSIDE the consumer 's CLAIM of NOT DISPUTING. What gives XXXX, exactly, the RIGHT to retain despite an absence of consumer dispute or an authorization from consumer to suggest it is in dispute? CERTIFY the nature of any CURRENT DISPUTE or else eradicate. It is UNLAWFUL for any entity in credit to be deceptive or unfair. CLEARLY this is Transunion misbehaving illegally and must act to remove a claim of aimed
Consumer complaint received 2019-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (MS)

Capital One Visa Credit Card Company They promote themselves as a travel card yet I can't access my online account while I'm living abroad. Before, their online system would email me a security code to access my account. Now that feature has been removed and they must call you or text you on a US phone. I live in XXXX and have a XXXX phone number. They don't call or text international therefore I have been denied online access to review my statements, pay my bill, etc. 

This started for me on XX/XX/2019. They stated they escalated the issue and turned it over to a third party, whom they refused to reveal their name/company name. 

I've reported it to the XXXX Complaint Number:XXXX & now reporting this to you. This affects all Expats. I'm not the only one. I have friends that have been without access for 6 months. They are having to use a relatives phone number in the States and then they, in turn, call them with the texted code. CRAZY! Realize you only have so long to get the code and input onto the screen to enter your account. 

This is not a good business practice.
Consumer complaint received 2019-07-12
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Bread Financial Holdings, Inc. (FL)

On XX/XX/2019 I received a call from XXXX XXXX @ XXXX stating that she was from XXXX county to inform me of a wage garnishment. I explained that I have tried several times to dispute the debt and requested information to confirm the validity of the debt. She said to contact XXXX at XXXX to resolve and she would hold until XXXX. Called and spoke with Mr. XXXX who said the only way to stop was to pay today. He advised that the payment due was {$580.00} but would settle for half. If you call XXXX it is XXXX. 

XXXX has contacted me several times and has only sent me an settlement agreement via email on XX/XX/2019 but nothing to confirm the validity of the debt.
Consumer complaint received 2018-10-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I normally never call the bank with any issues. I had a terrible experience with my card declining and I had to leave the store. When I called I was told I would need to speak to the Account Services Department. I waited 1 hour and 20 min to speak to an agent, just to be transferred to another agent. That is unacceptable and I am reconsidering my relationship with this institution. I spoke to 4 useless agents and my debit card is still declining all my transactions. I ended up sending money via XXXX to another account I have and will ultimately change my direct deposit and close my account.
Consumer complaint received 2023-10-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Wilber and Associates, P.C. (OR)

I was called today ( XXXX ) by a debt collector saying I owed {$3900.00} for a car accident that supposedly happened sometime in XXXX of this year. I was told a XXXX XXXX XXXX was involved in the accident. I do not own a XXXX XXXX nor have I been involved in a car accident for over 5 years. I wasnt told any more information about the accident, such as location, time, other cars involved. I informed the collection company that I had not been involved in a car accident and that fraud or stolen identity may be the issue. Late last month this same company had called my father, who has the same name, who also doesnt have a XXXXr and has not been involved in a car accident.
Consumer complaint received 2018-10-26
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Midwest Recovery Systems (GA)

on XX/XX/XXXX I looked on my XXXX report and saw a collection for midwest recovery system llc so I called them to find out what this auto loan was about they told me it was a dept they are trying to collect for XXXX XXXX XXXX  I never signed a deal nor a contract with midwest recovery system llc so they should not be contacting me or going after my credit in no way cause I have no legal binding nor obligation to this company in written or verbal agreement form
Consumer complaint received 2018-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

Hello, I keep trying to open my dispute results and Equifax is claiming my questions do not match and that my account is now restricted and I can only use a blind web email to dispute or to request anything! This is absolutely fake and they are purposely blocking me from accessing my report because I am stern and frustrated at their lack of investigation into two fraudulent accounts. I have placed fraud alerts with XXXX and XXXX so that these fraudulent accounts are completely removed and they simply send me the same pointless email saying information was updated and account verified and now they have completely blocked me from even seeing my disputes and I am 100 % sure I am answering everything CORRECTLY! Nothing was mailed to me but the accounts are still illegally reporting on my credit monitoring. I had no issues disputing these with XXXX  or XXXX and I can not imagine why they don't want to make this right for me!!!!! 

I am blocked out of my account and I have attempted to open it for DAYS and I have used all of my conformation numbers with. nl luck! They made me answer security question 6 times only to tell me each time that I can not access it via online and must use webmail. this is horrible!
Consumer complaint received 2018-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

I have sent a certified letter dtd XX/XX/2018, to Equifax disputing a particular account on my credit report. Equifax responded on XXXX, XX/XX/2018, stating that they researched the account and verified it belonged to me. I sent another certified letter on XX/XX/2018, requesting their method of verification by ways of copies of a legally binding contractual obligation to pay this account bearing my legal and valid signature, as per the FCRA 611 ( a ) ( 7 ). On XX/XX/XXXX, I received a letter from Equifax, again stating that this account was verified, without any of the artifacts, I requested.
Consumer complaint received 2018-10-29
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. (TN)

I have contacted Equifax on several occasions about information that is incorrect on my credit report. I called on XX/XX/18 spoke with XXXX and XXXX the supervisor. I called on XX/XX/18 and spoke with XXXX. I called on XX/XX/18 and spoke with XXXX. I mailed in copies of my drivers license and social security card on XX/XX/18. on XX/XX/18 when I called I was told there were at three 3 credit files under my name. they combined all the files and the inaccurate information as well. I have several accounts on my file that do not belong to me. I requested disputes on the following dates XX/XX/18, XX/XX/18, XXXX, XX/XX/18, XXXX, XX/XX/18 and XXXXI requested an incorrect address be removed from my account. On XX/XX/18 I received notice that the address of XXXX XXXX XXXX XXXX Mi XXXX was removed from my credit file but this address remains on my file. I have mailed Equifax at least ten copies of my address and social security number and every time I call they claim they can't verify my identity. I have asked several times how did they verify an account that is inaccurate if they can't verify my identity. The last time I called they asked me ten questions to verify my identity and finally on the 11th question they asked me what was payment on a credit card account I closed over two years ago and once I could not answer the question they told me they were unable to help me. I went directly to the website requested a dispute, I was asked four questions answered them correctly and was able to obtain the information I needed after the customer service rep told me they were unable to verify my identity and told me to send in another copy of my address and social security number which is the same address and social security number I sent in just one month ago. There are accounts from XXXX XXXX XXXX XXXX on my credit file I called XXXX XXXX and they have no information with my name and social security Equifax continues to report these accounts on my credit file. There are several collection accounts on my credit file such as XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. I have contacted these collection companies they also have no information with my name and social security number. I have disputed these items and followed up my dispute with a request to verify and validate these accounts with Equifax. Equifax has failed to fulfill my request. I have received no information on these requests. My last dispute was on XX/XX/18 regarding these collections, I never received any type of verification but Equifax reports on my credit file in the comment section " consumer disputes account ''
Consumer complaint received 2018-10-29
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. (KY)

On my experian report I have debt collecter XXXX XXXX collecting for XXXX XXXX in XXXX. I have made 3 dispute claims with Equifax and XXXX and it still remains on my report. First attempt XXXX, second XX/XX/XXXX, & XX/XX/XXXX. Each complaint gets returned correct debter. That is not factual I'm telling Equifax XXXX XXXX its fraud and filed with the FTC for documentations. I spoke to XXXX ( XXXX ) whom was uncooperative to my needs to have this remove violating my rights to obtain information they deem proves the account is mine. I want this report gone just like XXXX has done as well as XXXX   and with only one dispute filed. Please give me support in mediating and exersing my Fair Credit Rights. 3 disputes and will not remove it is rediculous. Last checked with XXXX XX/XX/XXXX pending investigation.
Consumer complaint received 2018-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I have sent validation letters asking them for original signed documentation of this account belonging to me. when I call and talked to them I am told that they no longer have the documents. 

I have asked Equifax XXXX XXXX to validate as well but they fail to do so. They tell me that I have to talk to the XXXX XXXX. Equifax XXXX XXXX are suppose to have correct information to report negative items on my report. 

account number : XXXX Unverified Account
Consumer complaint received 2018-10-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (OR)

Navient has my checking account information on file. I pay monthly and have never been late. I made a payment and have never changed my account information. All prior payments have been made from this account. I paid my monthly payment on the XXXX due on the XXXX. On the XXXX I received an email stating my payment was late. I went on line and made a second payment with the same acct. information. I called Navient and was advised that they sent me a letter stating that my payment was rejected by my bank and that I should contact my bank. I contacted my bank and was advised that there was nothing rejected or received. They also verified that the routing and transit number and account number was correct from prior payments. And that I should contact Navient a request a trace number to help determine what happen to the payment. I contacted Navient and CS advised me that a letter was sent yesterday and that my payment was rejected do acct number not being found. I explained to CS that the bank advised me that there was nothing rejected, and nothing was submitted I was told there was nothing they could do. After arguing with CS, I was finally transferred to a supervisor XXXX XXXX in Indiana. XXXX informed me that it was not submitted to the bank and could not tell me why. Only that I should delete my information and resubmit my acct information and try and make another payment. I explained that I was in a loan forgiveness program that did not allow me to be late with a payment and that continuing to submit payments that were being rejected without knowledge of why they were rejected would jeopardize my agreement. He had no answer and again advised that I delete my information and try again. I advised him that this was not acceptable and that I was being penalized for an error on their companies part. He had no response. He advised me that it was the companies policies not to give out phone numbers to reach him back with acct information for their protection. I called back to the CS to attempt to change the information requested, still without any explanation of what happen or assurance that it would not happen in the future and was told that Mr. XXXX was not available. I feel this is harassment and Navient 's attempt to break their agreement for loan forgiveness by attempting to make my payment late by not fault of my own. Mr. XXXX told me that they had no way of knowing if my payment would go though and that I would have to wait another week which would put me past my 15-day grace  period. He also again could not offer any explanation for why it was not submitted to the bank.
Consumer complaint received 2019-07-12
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: NAVY FEDERAL CREDIT UNION (WA)

Navy Federal Credit Union shows the minimum payment due as {$0.00} to authorized users on credit cards regardless of what the minimum payment actually is. As a result, in situations such as a military deployment in which the primary user is away and the finances are handled by a spouse ... They trap their customers into paying fees by providing deliberately false information. I could understand if their security model simply protected this information from authorized users. However, there is no excuse for providing false information.
Consumer complaint received 2019-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (IN)

I WAS SCAMMED BY A COMPANY CALLED XXXX XXXX XXXX PHONE # XXXX. I PAID THIS COMPANY {$XXXX} 2 DIFFRENT TIMES. {$XXXX} ON XXXX-19 USING MY XXXX XXXX CARD AND {$XXXX} USING MY CHASE XXXX CARD. THIS COMPANY DID NOTHING FOR ME AND THEY WON'T RESPOND. I TRIED TO DO FRAUD ON THIS COMPANY AND UNABLE TO GET A REFUND. I REALLY NEED THIS MONEY AND NOBODY IS TRYING TO HELP RESOLVE THIS MATTER.