davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-02
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 — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have a bank of america creditcard and make the payments through their system. I set up a payment for the due date and from my XXXX XXXX checking account which they have on file and I have made the payments the same way for months. 

Today I tried to order an XXXX for myson and was declined. Turns out my bank of america credit card was declined. I tried to log in to my online account and it said I did not make a payment and was past due. I checked to the details of the account and said my payment was returned from my bank. 

Before I called Bank of America. I called and looked at my XXXX XXXX checking. Both by phone and by online I confirmed that I have an average daily balance of XXXX dollars and that bank of america never tried to debit any money frommy account. 

I called bank of america and they told me that if I had another account. I said I had a checking account that closed that they also had on file. But does not make sense I disabled that account and have always paid with the current account for well over a year. 

I got them to remove the late fee but they do not want to remove the late credit reporting. It was not my fault. It was there error. I never set up a payment with a closed account. In addition, they never notified me of what happened. How or why they tried to withdraw funds from an account I do not use is beyond me. I have made all my payments with the account they have on file ending in XXXX. 

They said they would investigate and send me a letter. What 's there to investigate. They know I made my payment with the active account. They had a system issue and they trying to ruin my credit by not acknowledging their error and fixing it. 

I want the late credit reporting removed. I made my payment on time its was there error not mine.
Consumer complaint received 2015-05-22
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Financial Credit Service, Inc. (GA)

ARA Inc. contacted me by phone XXXX XXXX, 2015 stating that I owed {$6000.00} to a XXXX XXXX Credit Card that I never had. XXXX XXXX XXXX XXXX stated that I would be taken to court and my wages would be garnished. I sent a certified letter on XXXX XXXX, 2015 telling ARA Inc. that the debt was not my debt and please do not contact me anymore. ARA Inc. than sent me a letter stating I now owe {$14000.00} since I did not pay the other amount stated. I against sent certified letter to ARA Inc. stating that under the Federal Fair Debt Collection Practices Act ( FDCPA ), to cease all communication with me in regard to the debt ; that is not my debt. I never had a XXXX XXXX Credit card.
Consumer complaint received 2024-03-03
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XXXX and XXXX I was charged by Capital One XXXX $ cash advance fee on each occasion, both charges originated from purchase of good transitions and Capital One failed to proper flag the transactions, I have called their customer support line and have spoken with supervisor XXXX, who informed XXXX nothing could be done to refund the improper charges but not only that, but they will consider any XXXX transaction as cash advance therefore expect a cash advance fee charge if you use XXXX. This is outrageous that Capital One is just conducting wrongful appropriation of consumer funds.
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I appreciate your assistance in recovering a portion of the data in my credit file that came about because of a FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-10-02
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (VA)

Basically this boils down to a feeling that two nave people looking to better themselves were taken advantage of by predatory lending and now continue to slide down a slope with no hope of recovery. Navient ( XXXX XXXX ) leant my wife and I an exorbitant amount of money which clearly had no opportunity to be repaid. I have lost a home in the process and continue to be handcuffed by a debt we ca n't shrink but have watched grow exorbitantly. I would like to be responsible about getting Navient reimbursed fairly. I am seeking to have all of our loans consolidated and then the interest be brought to 0 % or there about so that my wife and I can work to pay them money owed and be done with them. We have paid nothing but interest for many, many years now and the debts have basically doubled in that time. If you suggest we file bankruptcy as a result I am looking for suggestions and assistance. I have heard horror story upon horror story about people just trying to better themselves being totally taken advantage of by a predatory system of greed.
Consumer complaint received 2024-04-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (SC)

MRS ASSOCIATES obtained my XXXX consumer report on XXXX/XXXX/23. I have sent numerous letters asking why they obtained my report.They have refused and failed to respond to any of my communications. I wish to know the reason MRS ASSOCIATES obtained my XXXX consumer report on XX/XX/23.
Consumer complaint received 2021-11-29
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)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2016-01-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (CO)

Equifax refuses to remove an invalid judgment on my file. I have gone to the courthouse, and they have no docket on file under my name, and they said they would not have been able to verify a judgement with a credit reporting agency, as their is NO DOCKET on file, or recorded judgement for my name. The judgement is not on any other agency report, only Equifax. I have disputed this twice with Equifax. I have asked them their method of verification. They refuse to remove it, and have offered no method of verification. This needs to be removed from my credit report.
Consumer complaint received 2021-10-04
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. (FL)

XXXX PULLED MY CREDIT REPORTONXX/XX/XXXX, AFTER CALLING SAYS IT WAS IN REGARDS TO A CLOSED CARD DATEDXX/XX/XXXX, THE INFORMATION WAS GIVEN TO XXXX XXXX XXXX XXXX XXXX S.CarolinaXXXX , no phone number was supplied.
Consumer complaint received 2017-12-26
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I keep receiving phone calls from Portfolio Recovery, even though I keep telling them that they are calling my cell-phone, and that I want them to stop calling me at this number. The most recent call was from ( XXXX ) XXXX, and the caller stated that her name was " XXXX XXXX. '' I informed her that I have repeatedly told Portfolio that they are not permitted to call me on this number, and they refuse to comply.
Consumer complaint received 2024-03-02
Product: Credit 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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I hired mover in XXXX of 2023 to load items from my apartment into a XXXX storage unit. The XXXX came with XXXX furniture pads for protection of the customer 's items. I hired XXXX XXXX  in Arizona which I found through XXXX recommended moving labor services. When the items arrived to my new home in Arizona most of my items were damaged because they had been piled on top of each other without pads placed in between. Only XXXX of the XXXX furniture pads were used and some of the plastic bundles of pads had not even been opened by the mover. I reached out to the mover and he did not respond. I have filed a claim for the damaged items. I contacted Capital One and provided them all of the documentation I am providing to you. They gave me a temporary credit of the XXXX. A few days ago they reversed the credit and told me that the vendor had responded and I was to provide proof of my communications with him to resolve the matter. I have already done this! I have been a customer of Capital One for XXXX years and this is perhaps only my second dispute. I have already filed a claim for the damaged items but I want credit for the moving services that were not provided as advertised.
Consumer complaint received 2017-12-26
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: CITIBANK, N.A. (CA)

I incorrectly paid the wrong credit card company and they have not refunded the payment. They agree they owe me the money, but have not set any kind of a deadline or firm process for the refund. Citibank owes me {XXXX}. The payment was sent by XXXX XXXX on XX/XX/XXXX, I called Citibank on XX/XX/XXXX when I realized the error and they said the funds would be returned quickly, once it posted. I was called on XXXX by the customer service person who had taken my call the day before and she told me the payment had posted. She said a manager would review the issue and the refund would take 2-3 days. A manager did n't review for several days, but approved the refund. When funds did n't show up in my checking account, I called and was then told there had to be " an investigation '' that could take several weeks and once the " investigation '' was completed, it would take 2-3 days to refund the money.  Citibank does n't appear to have a serious intent to promptly return the funds. 
The credit card was paid from an account with XXXX XXXX and they opened case # XXXX on XX/XX/XXXX. They have not obtained any information to this point either. I do not wish to have this dispute drag on when Citibank has admitted they owe the refund.
Consumer complaint received 2016-05-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I FILED A SERIOUS COMPLAINT AGAINST XXXX FOR SELLING DEFECTIVE COMFORTER TWICE TO ME AND REFUSING TO EXCEPT IT ON RETURN. I WANT TO KNOW IF ANYTHING IS BEING DONE? AS THEY PUT A LIE ON MY CREDIT REPORT OF {$140.00}. I OWE THEM THIS IS A RIGHT OUT BLAT EN LIE, I DO NOT OWE THEM FOR SELLING ME A DEFECTIVE COMFORTER
Consumer complaint received 2019-10-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I enrolled in autopay on my account and selected " amount due, '' assuming this would lead to full payment of my statement balance. The option directly below " amount due '' is " minimum amount due, '' which implies the minimum payment required not to encounter a late fee. Unlike XXXX or XXXX, Bank of America has both " Amount Due '' and " Account Balance '' in their drop down, and it's unclear what the difference between the two is. Further, they list " Amount Due '' as the first option, followed by " Minimum Amount Due '' and " Account Balance. '' When I told the rep that this is confusing for customers, she agreed and mentioned that many others call in with my same confusion. Nonetheless, she was only able to waive one out of two interest charges added to my account. BofA should take a lesson from XXXX and XXXX and simplify their autopay dropdox. When a consumer sees " amount due '' and " minimum amount due '' back to back, the latter suggests minimum payment required not to pay a late fee, whereas the former implies FULL payment. It's not intuitive that a user would need to select the THIRD option on the list ( " Account Balance '' ) to pay off their statement, when " Amount Due '' has the same connotation. This is entirely deceptive.
Consumer complaint received 2017-10-02
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. (WA)

XXXX data was breached. It has been more than 30 business days since XXXX made a public announcement of the breach. I have not heard of any plans to issue individual written notice of the breach nor have I seen any documented account of individuals recieving such notice from XXXX
I have experienced other mass data breaches, including one via OPM. Notice of the breach was served in writting via the mail in a timely manner. However, options offered for securing my data at the 40+ credit agencies are time consuming, costly, and ineffective, making it impractical for me to implement. The recourse for credit alerts, freezes, and monitoring services are cumbersome and do nothing to prevent or reduce recurrence of the problem. 

These widespread identity breaches have demonstrated a government failing with serious negative implications for our econmoic and national security. I want better regulation, oversight, and control over the collection and use of my consumer data. It is incumbent upon the government to protect citizen privacy. The CFPB must be properly empowered and funded to deal with this cybersecurity threat. The size and visibility of my digital footprint should be within my control. Default opt out functions should be invoked to eliminate involuntary data sharing and access features.
Consumer complaint received 2016-09-22
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (IA)

On XX/XX/2016, I disputed the SYNCB/JC PENNEYS account on the Equifax credit bureau, account number XXXX. I was but am no longer an authorized user and I want this account deleted. Equifax responds by reporting this account as a " reinvestigation '' which is not accurate as this was the first investigation. I called Equifax about this and they said there is nothing that they can do and refused to help me delete this authorized user account or change the dispute wording.
Consumer complaint received 2021-08-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NVR INC. (SC)

I paid {$33000.00} down payment for a mortgage on a townhome in XXXX to NVR mortgage. My fiance purchased a unit two doors down. Last week after closing. I was told that me and my fiance were living in the same building and they wanted to make sure I wasn't going to rent out my townhome and delayed my closing. They assumed I was going to this even though we told them that this was going to be my primary residence. NVR mortgage wanted me to sign a motivation document that said I was not going to rent out the property because of this. I asked where other people told to sign this paper or was my fiance told to sign this paper. The answer was no. I did not sign the paper because it wasn't a required document. I have not been approved or denied my mortgage for the townhome that I tried to get as of today. My home today on XX/XX/XXXX was listed on XXXX as up for sale. I have still not been approved or denied from the lender. If I was denied I should have the right to go find other lenders as NVR was the preferred lender. I assume the lender told XXXX XXXX that I was not going to get the property and they could put it up for sale on XXXX. I feel like I have been discriminated against due to my marital status and black balled from getting the property due to the connection NVR and XXXX XXXX have.
Consumer complaint received 2017-10-02
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 — Problem with personal statement of dispute
Company: TOYOTA MOTOR CREDIT CORPORATION (FL)

To Whom It May Concern : A system error has resulted in a negative credit report that I hope to get amended. 
I leased my car in XX/XX/XXXX and was making timely payments through XXXX ' own online auto-pay function. All payments were credited on time with no issue. An internal error resulted in two payments being pulled for XX/XX/XXXX.  Subsequently, I suspended the XX/XX/XXXX payment. A second internal error cancelled the auto-payment function with NO notification. As you can imagine after 2+ years of automatic payments, I did not check. There was absolutely no email, phone or written contact by XXXX. 

XX/XX/XXXX I received the first contact from XXXX that my payments were now late. Immediately the balance was cancelled and set up to date. Unfortunately, despite not receiving a call, email or letter prior to this my credit report was negatively impacted. I reached out directly to XXXX to attempt to clarify the situation but they were no help. 

Once my records are reviewed you will notice I have worked very diligently to make timely and responsible payments and maintain a clean credit report. I am aware that there are individuals that intentionally miss payments and try to manipulate the system. I would not be wasting my time or your if this were the case. Please remove this negative report from by credit score as I should not be faulted for a system error.
Consumer complaint received 2024-03-01
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

XX/XX/2023 Capital One XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing with regards per Fair Credit Reporting Act as a federally protected consumer I am now opting out of any and all authorization I, the consumer, may have given CAPITAL ONE written, unwritten, verbal, and nonverbal authorization Per 15 USC 6802.

I kindly request that you acknowledge and respect my decision to opt out of any and all authorizations, as provided for by the FCRA. Please ensure that my decision is fully implemented and that any further communications or actions taken by CAPITAL ONE with regard to my authorizations are in line with my decision to opt out.

I expect that this request be processed in a timely manner and that all further actions by CAPITAL ONE adhere to my decision to opt out of any and all authorizations, as per my rights under the FCRA.

Thank you for your prompt attention to this matter. I look forward to receiving confirmation that my request has been actioned.
Consumer complaint received 2024-03-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

These people have never sent me anything in the mail telling me they are suing me or anything else for that matter. As you know I am a victim of the XXXX XXXX XXXX and my Identity was stolen and accounts were created in my name and other cards I had paid off and closed out I found in XX/XX/23 were delinquent and I had judgements against me. There are ongoing criminal investigations and I question the legality and for sure the ethics of anyone who would sue a victim of a heinous crime like identity theft. These scoundrels are attempting to get a summary judgement on me and I have not even met any of them in court. Last I checked I had the right to face my accuser and due process. This is not my debt and they have yet to even provide me a complete account number.
Consumer complaint received 2021-02-01
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Porsche Financial Services, Inc. (CA)

This is the third time I have been forced to submit a complaint for not being able to pay my loan for the lease of my XXXX. I have constantly pleaded with XXXX to look into this matter of their system for online pay as this issue has continued. My credit has now taken another hit because their online portal is either constantly down for maintenance or it just wont simply allow you to access anything until its too late. Each time I've only been able to access my account to make payments and by then its late, but then shortly after i can not access my account again. I've also made a representative aware of the customer service number that is provided on the site to call that is literally a spam number and does not work. I've tried called XXXX XXXX and have asked to speak with a manager and have not received a call back for over a month. I've attached a screen recording shortly after a payment was made and I was unable to access my account again. I also have video of now being able to access my account and the " down for maintenance error '' messages but am not able to upload as they are too large and can provide should XXXX need more evidence. I would just like a reliable system to make my payments on time.
Consumer complaint received 2016-08-29
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Federal Adjustment Bureau, Inc. (OH)

On XXXX XXXX, 2016 @ XXXX FEDERAL ADJUSTMENT BUREAU, INC. ( FABCO ) called my cell phone which i never gave them my express consent to do. I returned XXXX XXXX call she did not read me the mini-Maranda. After i informed her of her violations she hung up the phone. A couple of days later i received a XXXX letter from FABCO, which was not in compliance with the FDCPA consumer notice requirement and a week or so later i received another XXXX letter from FABCO which was not in compliance with the FDCPA.