davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I have had a Cabela 's credit card for 15 years and always mail my payment out on the XXXX or XXXX of the month to get there by the due date of the XXXX. 
On XX/XX/XXXX, I mailed this out along with 3 other bills that were going across country. All 3 received and posted my payments on XX/XX/XXXX or XXXX. Capital One, who just took over Cabela 's  credit cards when XXXX XXXX XXXX bought them, did not post my payment until XX/XX/XXXX and then charged me a late fee and interest the last 2 months. When I called them, they said I needed to check with the post office. The post office told me to have them provide a copy of the envelope to show the postmark date. When I asked them for this, they advised me they do not keep the envelope. They told me there is no way I can prove when they received the payment so have to go by the day they posted it ... which was late so fee and interest apply. I believe they received my payment before the due date, but waited to post it until after so they could charge me the fee and interest. This, because I always pay my balance in full and never pay any finance charge so they are not making any money from me. This problem just happened for the first time in 15 years and only after Capital One took it over. 
When I posted this on a sportsman 's forum, my response lit up from other people who have just recently experienced the same problem from Capital One and who never had a problem with Cabela 's.
Consumer complaint received 2018-09-01
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (NV)

The XXXX at XXXX XXXX has committed acts of fraud and extortion against me. The XXXX at XXXX XXXX informed me that a payment of {$1800.00} was due on XX/XX/2017. When I refused to pay the XXXX at XXXX XXXX {$1800.00}, the XXXX at XXXX XXXX received permission from a judge to evict me. I was evicted by the constable on XX/XX/2017. I am not sure if the constable or the judge knew that I was being charged {$1800.00} when I agreed to pay the XXXX at XXXX XXXX {$940.00} a month. After I was evicted, National Credit Systems put a debt of {$4300.00} on my credit report. The XXXX at XXXX XXXX kept my {$400.00} deposit. I am now in debt {$5000.00} because I refused to pay the XXXX at XXXX XXXX {$1800.00} for the month of XX/XX/2017. The XXXX at XXXX XXXX also charged me fees because the apartment was in bad shape. I would like to see pictures to substantiate this claim. 

I attempted to pay National Credit Systems {$2100.00} to resolve this debt. National Credit systems refused to accept a payment of {$300.00} over the phone after I informed them that the last {$300.00} payment would not be paid form my savings account.
Consumer complaint received 2018-09-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

Good evening. I am not happy with Equifax. I have disputed numerous of items to include inquires and I am having difficulties getting answers from Equifax. It has been more than 30 days and I have not heard anything. There website is not wotking and has not been working for quite some time. I spoke with someone whom stated that there system is down and has been for quite some time because the system is updating. It is a hassle to deal with them while there system is down. I have not been notified of any statuses on any of my disputes. I want all items disputed to be deleted. You can not trust Equifax 's records are accurate with all mishaps and breach issues. I have attempted to check status of my own disputes and keep getting an error.
Consumer complaint received 2018-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Karma (TX)

XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX We were on a 3 month Forbearance Plan Agreement of {$1400.00} all three payments were made on time. Modification paperwork started XX/XX/XXXX and went thru XX/XX/XXXX. 
doing this time no payments were required per bank rules. We received a copy of our credit report in XXXX and found that our credit showed negative credit reporting for the months of XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX, XXXX has nothing although the payment was made on time. I called and spoke to XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX all of whom work in the credit department at XXXX and all who refuse to help. This is a new way of keeping us slaves to XXXX. The modification is intended to help us make affordable payments while going through hardship instead XXXX has raised the payments higher than before. I am unable to work due to my caring for my XXXX XXXX  XXXX Veteran spouse and XXXX don't give a XXXX XXXX XXXX! Our payments are now at {$2200.00}. Because of the negative credit reporting from XXXX we can't move forward.
Consumer complaint received 2018-09-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

To Whom It May Concern : Thank you for taking the time to read this letter, and I hope your day is going well. Im writing because I noticed that my most recent credit report contains late payments for XX/XX/XXXX-XXXX XXXX, XX/XX/XXXX, & XXXX- XX/XX/XXXX my Capital One account. 

I want you to know that I understand my financial obligations, and if it werent for due to unemployed and many financial hardships, Id have an excellent repayment record. I made a mistake in falling behind, but since then I have created and a strict budget plan and have a better paying job. 

Im planning to apply for auto loan, and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payment listed above. 

Thank you for your consideration, and I hope youll approve my request. 

Best, XXXX XXXX
Consumer complaint received 2022-07-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: VYSTAR CREDIT UNION (VA)

This can go in tandem with complaint XXXX. 
Ever since Vystar Credit Union went to their new website, I have not been able to use the XXXX service associated with Vystar. I went into two different Vystar branches to address this problem while I was visiting in Florida. One was in XXXX, FL on XX/XX/XXXX and the other in XXXX XXXX on XX/XX/XXXX. The XXXX visit resulted in no help and the XXXX XXXX visit was equally bad. The teller in XXXX XXXX said XXXX was working with Vystar and did a transaction. I said I couldn't do it and had e-mails to prove it. They were of no help. 
A payment failed on XX/XX/XXXX for {$480.00}. I thought they were still having issues with their new internet banking so I gave it a month to resolve. On XX/XX/XXXX, I tried once again to send and request money through Vystar and XXXX. Once again, the transaction failed. This time, I got the following error message : " The email or mobile number youre using with XXXX must be associated with an account. Please go to Profile Settings to choose a deposit account. '' When I went to the settings, I found out that MY legitimate e-mail and phone number associated with the account was suspended! I have NO idea why and EVERYTHING worked perfectly fine BEFORE Vystar switched to their new internet banking system. A Vystar representative did reach out to me about the other complaint. I did make known my disappointment with the new internet banking system and the process that was used to bring it online. She understood, but could not offer much help. I will call again on Monday to ask about this ongoing issue since this was the FIRST time I actually got the error message. It's unfathomable that their tellers don't know about these issues and in fact, I was told by tellers that they don't blame me and fully understand why I took the majority of my funds out of Vystar. My wife and I really loved and were loyal to this credit union and to be treated like this... to have ALL customers treated like this is totally out of character for a company with so much history in the state of Florida. I also handle my mother-in-law 's financial situation and may encourage her to drop Vystar too.
Consumer complaint received 2018-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

Portfolio Recovery changed the status of an old account from closed to open as retaliation of my dispute i XX/XX/XXXX. also the information they provided as proof of debt is not sufficient, I requested copies of any charges I made with said car, and all they have is an old letter from XX/XX/XXXX from the original creditor telling me that I am 6 and 7, months behind on the account and that it is charged off. this does not verify it is my account and the same letters are showing the account as being charge off, yet no evidence that I used this card or have knowledge of it as I currently have  accounts with XXXX XXXXXXXX. So it is reporting by portfolio as open yet on my credit file in XX/XX/XXXX and XX/XX/XXXX they reported it as closed, so now they are trying to retaliated against me as they he promised to cease all collection activities on this account thus as it is uncollectible it should be reported as closed as it was before I disputed it.
Consumer complaint received 2019-01-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (NJ)

XXXX XXXX XXXX has been harassing me and family memebers about oustanding debts they purchased but are not mine. Since they are medical bills and we all sign for treatment all I ask for is my authorization of services but they furnish nothing. They are rude and completely violate the Fair Credit Reporting Act. My next step is contacting the State Attorney General. 

Account XXXX XXXX $ XX/XX/XXXX Account XXXX XXXX $ XX/XX/XXXX Account XXXX XXXX $ XX/XX/XXXX Account XXXX XXXX $ XX/XX/XXXX Account XXXX XXXX $ XX/XX/XXXX These are not mine and they can not provide proof that they are so I request they delete these from my credit reports from the 3 XXXX  XXXX and XXXX XXXX. These false collections are severely hurting my families well being because I can not obtain credit due to XXXX and their false activities.
Consumer complaint received 2019-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

On XX/XX/XXXX I submitted letters to Credit Companies about inquiries in my report that I didnt recognize dating back to XX/XX/XXXX. They have yet to honor my request to remove the incorrect information. I submitted police reports but still no replies. 

I also show XXXX and Experian has removed a debt but XXXX XXXX still carrying it. I would also like that removed.
Consumer complaint received 2018-09-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BBVA FINANCIAL CORPORATION (CA)

I lost my check book on XX/XX/XXXX. I notified BBVA compass bank at once. They send me a secure message on XX/XX/XXXX to confirm that they have started to freeze my account ( Attachment 1 ). 

On XX/XX/XXXX. Someone tried to charge my account which incur {$32.00} NSF fee ( Attachment 2 ). From the federal laws, I know that I am not responsible for unauthorized charges and fees after I notified the bank. I had to switch to other banks and argue with their customer service about this charge. I even received a  letter from them that threatening they have marked it as charge off and will send them to collection agency.
Consumer complaint received 2018-09-01
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. (TX)

XXXX is saying that i have multiple payments missing from 30-90 days past due. My payment was not past due, I made what they call an " extension '' to change payment times. every time in my requests there representatives in the calls were always assuring about the effects of the request. never was there a mention of a late payment resulting in the process. Now im even experiencing my account payments being at there competition, while the company is still seeing to mark my account as such. even going as far as to reporting i have {$11.00} remaining to pay on my account.
Consumer complaint received 2018-09-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL (GA)

I was contacted by XXXX about a debt supposedly owed to XX/XX/XXXX.  When i asked to validate the debt, the female representative started yelling, threatening to sue me if the debt is not paid. I told her I am unemployed and a XXXX XXXX XXXX, so I am unable to pay the debt. I told her I am currently seeking a part time job, and can pay a settlement offer of {$1600.00} but only if they delete the negative trade line. I am in need of a vehicle to get to and from work, and this bad debt is making it very hard for me to get financed.
Consumer complaint received 2019-05-03
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (IL)

I cosigned for a private student loan for my son in 2006. I was in good health and working at that time.He was paying on the loan but then life gets in the way-premature baby, job changes, divorce, etc.Now, I am XXXX, retired, & had to file bankruptcy due to medical bills. Since I am the cosigner Navient continues to harass me with phone calls several times a day. Often the phone only rings once & when I answer no one responds.It starts about XXXX XXXX and ends around XXXX XXXX. I have explained my situation repeatedly but they maintain their is no way I can be removed as cosigner even though my budget is extremely tight! He has asked several times to get a reduction in payments but they recommend forbearance. Now, he has used all of his opportunities for forbearance. Their agent told him yesterday that if he could pay {$19000.00} within 3 months they would take 10 % off the total.That was their only solution!! He made a " parital '' payment but the late charges will keep mounting. I called and offered to pay enough so that partial payment would be considered a " full '' payment but they refused. The agent said I couldn't make a " partial '' payment. She could only accept a FULL payment from me! There is no recourse to eliminate or reduce this debt even though my son and I have both have had major events influencing our income.
Consumer complaint received 2018-07-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (OH)

Re : Notice of Intent to Sue / Health Insurance Portability & Accountability Act Violation Validation Letter sent to : Capio Partners To Whom It May Concern, Please be advised that I have requested validation { not verification } of an item ( or of the accounts ) reported to you by the above { XXXX XXXX XXXX XXXX }. I have received a response that clearly violates my rights according to HIPAA. { XXXX XXXX XXXX XXXX } did NOT provide me with a HIPAA Release Form, to authorize the use or disclosure of my protected health information ( PHI ). 

Therefore, by providing you such information they are in serious violation of the HIPAA Privacy Rule. Furthermore, your agency has aided and abetted your customer by your negligence and disregard of your reporting responsibilities as a credit reporting agency, pursuant to FCRA 604 ( g ) ( 1 ) ( C ) and FCRA 605 ( a ) ( 6 ) ). I am proceeding with legal action as prescribed by law against the above named { XXXX XXXX XXXX } and will name you in the lawsuit if you do not immediately delete the listed item ( s ) due to the privacy violations.

You are also required by the FCRA to receive written certification of the information furnished to you prior to you assembling and reporting such information. If you can not provide proof that you received the original or a certified copy of a HIPAA Release Form signed by me, clearly delineating my consent to release my ( PHI ) then you must cease from reporting this unlawful entry.

I will seek every legal remedy available to me and file suit against the credit bureau for the continued aiding and abetting of your customers actions for commercial gain by the continued reporting of my protected information, preceding your receipt of this notice. You are clearly benefiting monetarily by reporting this account on behalf of your customer. I urge you to take this matter seriously, as I have documented my case without error. I encourage a response from you expeditiously in the form of an updated credit report showing that you have ceased and desisted your illegal reporting of the listed accounts, pursuant to the Fair Credit Reporting Act.
Consumer complaint received 2022-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction
Consumer complaint received 2020-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Nelnet, Inc. (NH)

My name is showing on my report incorrectly and I have made numerous attempts to rectify, unfortunately to no avail. 

Additionally, my credit report reflects serious delinquency and my payment history is 100 %. My full credit report shows late payments ( 90 days ) with my Nelnet account in XX/XX/XXXX. However, from XX/XX/XXXX thru XX/XX/XXXX my status shows as OK. My status returns to OK in XX/XX/XXXX and shows a NR status until XXXX of XXXX when it returns to OK. My student loans were placed in forbearance on several occasions from XX/XX/XXXX thru XX/XX/XXXX due to my financial hardship due to my medical condition. Once my health improved and I contacted Nelnet to resume payments I was informed of the late payments and once my case was reviewed I was told that all negative reports would be corrected. The fact my account showed ok in XX/XX/XXXX and 90 days late in XX/XX/XXXX is a clear indication of incorrect reporting from Nelnet. I have been trying to resolve this issue for YEARS and really hope this agency can facilitate a resolve.
Consumer complaint received 2018-09-01
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 (WV)

Capital One credit cards has had my account compromised 3 times in the same week and is unwilling willing to stop it. The fraud is using my ssn and dob and doesn't have my password. Capital One refuses to force the password. Worse using the XXXX   the fraud had started payments twice even a day after the first report to the fraud department. They refused to disable the XXXX   and continued to allow the fraud to continue to use it.
Consumer complaint received 2022-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AL)

I sent a letter certified mail to the credit bureaus on XX/XX/2022, telling them to do a investigation on the accounts listed below. Also, I have attached the letter with the tracking numbers for each credit bureau. 

According to the FRCA The term investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or may have knowledge concerning any such items of information. 

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate. And according to the FRCA 15 UCS 1681 everything has to be 100 % accurate. I have the credit reports to show the inaccuracies ACCOUNTS XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX, I have the credit reports to show the inaccuracies
Consumer complaint received 2023-03-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Complete Credit Solutions, Inc. (IL)

I did not know I had this alleged debt. I was never notified or given a chance to dispute and request verification of this alleged debt. I contacted complete credit solution over 30 days ago and still have not received correspondence or verification of debt. I just have the information from my credit report. Please have them remove the debt from all credit report agencies and please send letter in reference to the removal please. 

Thank you for your help.
Consumer complaint received 2018-09-01
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Navient Solutions, LLC. (NY)

They keep calling my home phone and cell phone to speak with someone who does not live here over a debt that is not mine. I have told them repeatedly over the past 5 YEARS, yes 5 years that the person they are attempting to contact does not reside at my residence.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.