davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-04
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC (IL)

Dear Sir or Madam, on XX/XX/2021 I was notified by my credit monitoring agency of a negative declaration on my XXXX  credit site. This was generated by Sequium Asset Solution XXXX XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX. I informed their representative the amount in question was an error. Nothing they could do as their client XXXX had turned this matter over. I have attempted numerous times to have XXXX correct their error. Nothing was done at XXXX due to their lack of coordination in establishing and maintaining accurate customer records. XXXX, XXXX, XXXX /XXXX does not have the ability to verify information with their own subsidiary companies nor share or view billing information on their customers. I decided to start a consumer complaint with the Illinois attorney general 's office. The attorney generals site recommended contacting XXXX, which I did on XX/XX/2021. Speaking with XXXX at XXXX they could not find an issue with my account, after determining the correct account number I was transferred to XXXX XXXX and continued the process of reconciliation, I was then transferred to XXXX at XXXX XXXX XXXX, once again my account could not be reconciled I was then transferred to XXXX in XXXX  XXXX  and informed they cound not see the separate charges for XXXX, XXXX, OR XXXX XXXX XXXX. I was told they can only see records for a certain period of time. From the initial phone solicitation from XXXX I have been mislead by poorly trained representatives who make promises of services ( XXXX XXXX  ) that XXXX can not deliver. Slower speeds of internet are then crammed to the customer. XXXX  takes no responsibility for their representatives misinformation, lack of coordination of customer records and the sends false amounts to a collection agency potentially damaging credit score. XXXX  should resolve this issue, correct the credit report and remove any and all erroneously placed information by their company or subsidiaries.
Consumer complaint received 2019-06-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (IL)

I have been making payments thru the Navient website and the money comes out of my bank account but it does not show on my Navient account. Navient sends me emails saying thank you for your payment and your payment has been received but again the money is never posted on my account. In order to talk to a live person you have to sit on hold for 30min.
Consumer complaint received 2020-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CT)

I am so upset that I have sent in TWO letters on XX/XX/20 and XX/XX/20 with no responses. I know that by law the bureaus are supposed to send me my investigation results and I have not received any responses.
Consumer complaint received 2020-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TN)

Accounts XXXX and XXXX continue to report on my credit file after the 7 year limit and needs to be removed ASAP I have contacted the credit bureau multiple times but no removals have been made
Consumer complaint received 2023-01-09
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. (MS)

Equifax is reporting inaccurate and unverified information on my credit report to defame my character and this is affecting my ability to obtain credit.
Consumer complaint received 2020-09-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I have a loan with Capital One Bank Usa. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting all 3 bureaus and Capital One Bank Usa with no successful resolution. ( Bureau ) only reporting me late. There was definitely an error on their part. I was never late.
Consumer complaint received 2019-06-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (WA)

I checked my statement for XX/XX/XXXX on XX/XX/XXXX. At that time, I noticed that the bill amount was {$42.00}. That was not the same amount on my credit card receipt, where I was charged {$42.00}. Since I only used the card on XX/XX/XXXX during the recent billing cycle, I thought the restaurant where I used the card might have mistakenly charged me. However, when I carefully scrutinized the online statement, I discovered that Citibank had charged an additional {$0.00} for Payment Safeguard, a program which I never enrolled in. Alarmed, I checked all my monthly statements as many as possible. The oldest statement I could obtain online was the XX/XX/XXXX statement. During the two-year period, I discovered that Citibank charged the Payment Safeguard fee five ( 5 ) times, totaling {$5.00}. 

Before I called Citibank, I reviewed my cardmember agreement, including one on the Citibank website, but found no mention of the fee in question. Then, I researched the Payment Safeguard fee on the Internet, and discovered that Citibank has had issues with charging customers this particular fee. Customers have complained in the past that they were unaware of the existence of this fee, only to be told that they had, in fact, signed up for a protection program which allowed the bank to charge the fee. 

I became aware of this fee on XX/XX/XXXX, after careful scrutiny of my recent charges. I did not request enrollment in the program. I have no idea how I became enrolled in the program. On XX/XX/XXXX, I contacted Citibank and explained the situation to them, only to be confronted by an incredulous sounding operator who commented, You did not know that?, concerning my enrollment in the program. I found the comment offensive, as it suggested that I was oblivious as to how I handled my credit card. I requested immediate cancellation of this Payment Safeguard protection, as well as a refund of the money I paid under the usual payment process ( unaware that part of my statement payment was going towards the protection program ). 

The operator told me that a cancellation form would be mailed to my home within 30 business days, but there was no guarantee for a refund of money paid for a service that I did not request. When I mentioned that my research into the program revealed previous incidents where customers reported being unaware of their enrollment in such a program and that the bank was ordered to refund customers payments, the operator replied such reports were unfounded and erroneous. How can this be when my situation sounds so similar to other customer complaints I discovered during my research?
Consumer complaint received 2020-09-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I have a recast mortgage via BofA and paid a higher percent for this type mortgage so I could pay down the mortgage after the sale of another property. I want to recast the loan by putting an additional 20 % down to eliminate the PMI. The mortgage was sold soon after the loan was originated, yet the BofA Is still servicing the account. 
I have called multiple times and left messages for the person who should be assisting with recasting the loan, XXXX XXXX. I have left voice mails him as noted below and then tried to get assistance from the service DEPT. often I have held for +2 hours. 
XX/XX/XXXXadvised by rep unable to assist because of system upgrade. 
XX/XX/2020 multiple calls and transfers to other depts XX/XX/2020 multiple calls and transfers to other depts XX/XX/2020 multiple calls and transfers to other depts XX/XX/2020 multiple calls and transfers to other Yesterday, Saturday XXXX XXXX I receive a letter from BofA stating we have received a request to cancel your PMI and the loan is not eligible due to the LTV ratio. 

This is not what I requested. I requested the loan be recast by me adding an additional 20 % towards the principle. 
Obviously there is a communication disconnect at BofA as they do not realize what type of mortgage this is and loan can be recast without refinancing.
Consumer complaint received 2020-09-13
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. (TX)

I contacted Equifax for they show a XXXX XXXX XXXX account charged against me and it is not mine. And they investigate and then put it back. It is not me. Never dealt with XXXX XXXX XXXX and have never been to XXXX, Missouri
Consumer complaint received 2021-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

XXXX and Transunion should not be reporting me as an authorized user on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have contacted the bureaus to fix this however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.
Consumer complaint received 2021-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I am writing to dispute the following information that XXXX XXXX supplied to Experian, XXXX, and XXXX. 

This item in question is a XXXX XXXX account that was opened XX/XX/2017 with a credit limit of {$1300.00} is inaccurate because it was reported late and charged off. I have proof of the payments made in the months in question. I am requesting that XXXX XXXX have the items removed and adjusted. I was about to get copies of my past banking statement from months in question, showing the payments were made on this account to XXXX XXXX. Payments are highlighted on my statements. 

Enclosed are copies of banking statement supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete and correct the disputed items as soon as possible. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-02-04
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: ALLY FINANCIAL INC. (NC)

I am writing to ALLY FINANCIAL ( Opened XXXX XXXX, 2014 ) agency because I am having difficulties with buying a house and applying for new credit cards. I paid the charge-off and do not owe anything, but the mark in my credit reports prevents me from achieving the desired results. I am kindly requesting ALLY FINANCIAL agency to remove this charge-off from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Consumer complaint received 2021-11-10
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MN)

On XX/XX/XXXX XXXX I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation reports. This creditor has reported a late payment o my report which is incorrect, and I am asking this be deleted immediately. This are the creditors that were reporting late payments XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2021-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Over the past 12 months I have contacted Experiean and told them that the information that they have that I have lived at apartment XXXX in XXXX XXXX Nevada is false and that I neve lived in an Apartment in addition the same company that keeps telling Experian that I lived in this apartment is XXXX  who inadittion says that I last made a payment to them in 2019. Well not only did I never live in an apartment that had an a unit number of XXXX but I never made any payments to XXXX no do I have a loan with XXXX, In addition XXXX keeps telling Experian that I own property in XXXX XXXX and that they have a mortgage on it. I do not own any property in XXXX XXXX. 5 times experian has asked XXXX to provide proof that I own property in XXXX XXXX and XXXX that I ever lived in an apartment that had a unit number of XXXX In addition I asked Experian 5 times to get proof from XXXX  that I sent them any payments especially proof that the last payment I sent XXXX  was in 2019. Today XXXX has sent no proof to Experian, and this was verified by experian to me that XXXX has not sent any proof to Experian that I ever lived in XXXX XXXX at an apartment listed with a unit number of XXXX, proof of any payments I ever sent to XXXX, proof the last payment XXXX  recived from me was in 2019, Proof of that 2019 payment, and Proof from XXXX  that I own any property in XXXX XXXX. ; 5 time already I request experian get this information from XXXX  and 5 times Experian says they tried to obtain this information from XXXX  and it was not provided. YET its EXPERIAN who refuses to delete this information from my credit report and has cause my XXXX score to be 150 points lower than XXXX XXXX XXXX score. Its is Experian who is responsible and liable if XXXX has not provided Experian the proof and EXPERIAN has not sent me the proof from XXXX XXXX XXXX XXXX XXXX ) then by law, XXXX must remove the XXXX  derogatory harming information from my cfredit report
Consumer complaint received 2019-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

on XX/XX/2018 i made my XXXX payment to XXXX XXXX  XXXX. i called and asked them when will my account be considered 30 days late i was informed that the 30th was the last day ( whisch was recorded ). So on that day i went online to make my payment ( where i always make my payments ) & for some reason when i go on line its not showing that a payment was made on that day for some odd reason i beleived it was removed. at that time i was using my XXXX account to make payments. Prior to making this payment i was in PuertoRico. On XX/XX/XXXX i tried to use my XXXX card and was notified by XXXX that my account was being used somewhere else when i contacted XXXX i was told that all of my funds have been taking out of my account and that they will have to send me another card. so i immediately signed into my online banking and seen that XXXX has not yet taken out the payment so immediately contacted XXXX i spoke with a representative and explained my situation to her i asked her was i going to receive a missed payment she stated that i wasnt because my statement hasnt came out yet i asked her multiple times and still received the same response. A week later i was notified by the credit bureaus ( XXXX, Experian & XXXX ) that i received a missed payment from XXXX. I immediately contacted XXXX and requested that i speak with a supervisor when i spoke with the supervisor she said that she will request that the call be reviewed by the executive team and that i will receive a call within 72 hours if in fact i was told that i wont be receiving a missed payment then my late payment will be reversed ( which was also recorded ). So i called back in 72hours and spoke with a representative named XXXX XXXX i spoke with him about my situation and he put me on hold for 20 minutes just to tell me that he did listen to the call and he know that i was told that i wouldnt receive a missed payment but that was inaccurate so he basically told me that theres nothing that they'll be able to do. I have been with XXXX  for the last 3 years and never had a missed payment or a repossession on my account. please assist me with this i have exhausted all of my options. I will like to get the missed payment reversed the account is now in an active status and has always been.
Consumer complaint received 2019-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (IA)

Target Red card has made several mistakes and has been grossly incompetent in handling my account. I have entered a settlement agreement and the 1st once was cancelled because late fees were not credited. The 2nd one was cancelled because the agent did not enter my bank information correctly, even though I read it back to the agent twice. Upon calling to set up a 3rd settlement, the agent informed me that making one would charge off the account, something the other agents did not disclose to me. So today XX/XX/19 I called back again and reached an agent who was anything but helpful. Come to find out I had a " cease and desist '' on my account, something that would have prevented further paperwork from being sent, and also she stated having this makes it " harder for them to help me ''. She also stated that " I should have known I had a cease and desist '' and it is " not our job to tell you this '' and None of the 3 agents I spoke to informed me I had this on my account. When I informed her about not knowing that a settlement would charge off my account, she blamed me for " not knowing this '' as if it were common knowledge. When I told her any bank, credit card company or other financial institution would inform a consumer that their action would result in a negative credit action, she told me I am " wrong '' despite having dealt with this in the past. She informed me she would contact the " head of the department '', but snarkily told me " it probably won't change anything '' even though she admitted what this department has done was " a very large mess ''. After informing her that I would be contacting other organizations about this, she told me " I bid you goodnight '' and hung up on me. While I was at Target tonight doing some shopping, I informed a manager about my issues and he said he has been " receiving a large amount of complaints from guests '' on how " idiotically Target Red Card handles guests accounts ''. So it appears I am far from alone in this matter.
Consumer complaint received 2019-06-07
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Regarding Account ending in XXXX Capital One Case : XXXX Previous CFPB No : XXXX Capital One references a XX/XX/2018 three-way telephone conversation with a representative from XXXX XXXX, stating the return in dispute was pursuant to the merchants policy. This is a false statement. The agent was unable to provide a reason for the return to be denied. Additionally, XXXX XXXX stated in writing the item was returnable provided with a valid proof of purchase. This document was provided to Capital One. The merchant verified I would be able to return this item after I purchased it to convince into making a purchase for a more expensive model. I was told I could buy the more expensive unit and just return the one purchased on my Capital One Card. However, the merchant failed to accept this return for this item only. After this return was denied the merchant accepted returns or exchanges on other items without incident. Their claim the purchase disputed was denied in adherence to their return policy is invalid. The item was verified returnable prior to purchase, post-purchase, and post-return denial. 

I routinely contacted Capital One to determine the status of this ongoing dispute which Capital One agents confirmed my response to the merchant 's initial response was never submitted to the merchant. Multiple Capital One agents further acknowledged on recorded phone conversations the second dispute opened with additional information and documents was sent to the merchant. However, the merchant failed to reply to this dispute. 

I repeatedly called in to check the status of the dispute as it was the only charge on my card and as it was in dispute not required to be paid for. Capital One agents repeatedly informed me the dispute was still ongoing. Despite being informed multiple times on recorded phone conversations by multiple agents the dispute was still ongoing Capital One began charging interest and late fees on the balance which was in dispute entirely. Shortly thereafter Capital One began reporting my account to the CRA as delinquent and late despite still informing me multiple time the charge in question was in dispute on recorded phone conversations. Requests to be contacted by a Capital One employee capable of correcting this illegal adverse action and negative reporting the CRA 's was not received for months, while Capital One agents realizing the acknowledging the disputed charge was still being investigated refunded the interest and late fees assessed in error. 

By failing to comply with billing error regulations
Consumer complaint received 2022-02-19
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: Resurgent Capital Services L.P. (MO)

I need to report LVNVFUNDING LLC for violating the Fair Credit Reporting Act ( FCRA ). Theyre claiming I was late 120 DAYS and not show in the payment history their records are incorrect. Ive contact the company & requested verifiable proof and they have failed to provide with any verifiable documents. They have failed to comply with FCRA section 611 & are willful noncomplying which is a violation of sections 616 & 617