davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-06
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

portfolio recovery associates commits FRAUD!! XXXX has charged off my account because the insurance pays it after 90 days, the fact of the matter is PORTFOLIO BOUGHT INFORMATION AND NOT A DEBT!!! if PORTFOLIO would disclose to me what they paid for the information, then it would be lawful for me to pay this amount, but im not going to pay XXXX $ for something they paid XXXX $ for, in other words, I accept payment options on CONDITION that PORTFOLIO RECOVERY ASSOCIATES give me full disclosure in writing what they paid out of pocket for alleged debt, it hasnt even been proven as a " debt '' see below memorandum, this is clearly a misrepresenation of amount and they are in VIOLATION False statements. Debt collectors may not lie when they are trying to collect a debt. For example, they may not : falsely claim that they are attorneys or government representatives ; falsely claim that you have committed a crime ; falsely represent that they operate or work for a credit reporting company ; misrepresent the amount you owe ; indicate that papers they send you are legal forms if they arent ; or indicate that papers they send to you arent legal forms if they are. <P/><P/>XXXX : XXXX The Federal Trade Commission ( FTC ), the nations consumer protection agency, enforces the Fair Debt Collection Practices Act ( FDCPA ), which prohibits debt collectors from using abusive, unfair, or deceptive practices to collect from you
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I am writing to formally dispute the accuracy of a collection item listed on my credit report. XXXX BANK XXXX Account XXXX According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, consumers have the right to dispute inaccurate information on their credit reports. The FCRA requires that credit reporting agencies investigate disputes and correct or delete any information found to be inaccurate, incomplete, or unverifiable, typically within 30 days. Furthermore, the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c, provides additional protections by restricting debt collectors from engaging in unfair or deceptive practices in the collection of debts. 

I respectfully ask that you look into this matter further and take this incorrect collection off of my credit record. Once the repair is completed, kindly provide me an updated copy of my credit report and tell me in writing of the investigation 's findings.
Consumer complaint received 2017-07-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: First Advantage LNS Inc. (MD)

I need help, there is a collection company NCAC trying to collect a debt that was included in my bankruptcy and listing on my credit file that I owe. Requesting payment and stating they will remove. They are even texting me which I never authorized to send me text messages. I feel this company is violating my rights. Please help I have disputed this and no outcome just collection text messages and false listing on my credit file. Do I need to contact a legal firm for help?
Consumer complaint received 2017-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (ID)

I have had several companies who have continued to report inaccurately on my report regarding account balances. Each account expect for Kohl 's has submitted a manual update to remedy the situation. Kohl 's credit card services refuses to submit an update and infact was hostile we I made the request. I have an audio recording of this interaction and well as my current balance and credit reports showing contradictory information and they refuse to remedy this inaccuracy. I am unable to submit the audio recording because it is over 20 minutes long making it 19 MB which is over your upload limit. It is ofcourse available on request. My images and screenshots prove that i paid my balance and that Kohl 's did in fact report in XXXX but did so inaccurately. I would like to see my balance updated on my credit report retroactively to reflect when it was paid.
Consumer complaint received 2017-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (MI)

I attended XXXX college from the summer of XXXX through the winter of XXXX to receive an XXXX XXXX. I took out a subsidized loan for XXXX and an unsubsidized loan for XXXX onXX/XX/XXXX Dusing the winter quarter. I have the copies of my paperwork and have paid off the XXXX loan. I keep good records and have no problem paying off what I actually owe. However, over the years I have made payments on loans that end up not being mine and the money has been wasted. It has been reported on all three credit agencies that I have several other college loans outstanding. I am currently paying off a XXXX loan and am one month from it being considered current - even though I have no record of taking out that loan.
I have written all three credit agencies, sent certified letters to XXXX XXXX and the dept. of education on two separate occasions over the last three years, all to no avail. Even though I ask that the debts be proven to be mine or taken off my reports, nothing happens at all. I am dillegently trying to get my credit record taken care of so that I can some day buy a house.
I am reasonably sure that I have figured out what the problem is : on XX/XX/XXXX I signed Voluntary Hardship Forbearance papers ( I have the paperwork for this action ) for the loans I had taken out onXX/XX/XXXX and this date corresponds with some of the outstanding loans. It has been reported that I " took out additional loans '' when in fact, I extended the time period before I needed to start paying my loans off.
I went to XXXX College and got a copy of my transcripts, I was not in school in XXXX so no student loans could have been extended to me at that time. These dates ca n't be a loan taken out by me. I would like help getting all student loans off my records, except what is actually owed by me.
Consumer complaint received 2017-07-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phillips & Cohen Associates, Ltd. (NY)

The credit card was opened in XXXX of XXXX by internet. I am an identity theft victim and have identity alerts all over my credit bureau. There were to be no " NEW '' credit cards opened without calling me first! This credit card got opened without my knowledge and mailed to my old address. I moved from my old address in XXXX of XXXX to a new address. I have aggressively tried to work with XXXX of XXXX to resolve this issue and the have refused to work with me. When I finally realized this account was opened, I contacted them and reported it as fraud in XXXX of XXXX. They processed it as a blocked card and mailed me a new card which ended in XXXX. The first card ended in XXXX. They refused to fix their mistake. Since then they have sold it to a collection company. I will not be held liable for this identity theft! This bank is not willing to work with me
Consumer complaint received 2017-07-06
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (LA)

I had a loan with Ace Cash on last year and today I get a call from another company saying they are verifying my wages to file suit and they will PURPOSELY add on {$2000.00} to it. I told them I will speak with my lawyer before I agree to anything and XXXX told me MY LAWYER COULD DO NOTHING. I HAD TO PAY OR ELSE. THAT 'S HARRASMENT. I have not heard from these people in a year and now out the blue they call with scare tactics. I have the screen shot the number they left and I called back. They are RUDE and need to advice there employees that we have rights also.
Consumer complaint received 2017-07-06
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: Avant Credit Corporation (AZ)

This is the second time I am complaining about a company who has victimized me and made false statements to the Credit bureau that I have 30,60,90,120 days late on payments when I have not been late but once last year due to a medical hardship which was only one month which I made an additional payment of. The company, Avant , Inc, has abused my civil rights by constantly causing a drop in my credit score which I have worked very hard on for the past 7 months so I can buy a home. In XX/XX/XXXX I took a loan of {$1300.00} from them and continued making {$59.00} payments and they continue changing their policies and now say I owe them {$1000.00}. This has been going on for 2 years of payments and abuse from them. I am contacting the Attorney General in my state as well as a Senior Legal Firm next week. On XX/XX/XXXX I called them to make a payment and was told my account was in collections because I did not pay XX/XX/XXXX and XX/XX/XXXX payments on the XXXX of the month. My payments were made on the XXXX of the month from XX/XX/XXXX arrangements with Avant, but was refused the payments as legit and told early payments do not count. This is the kind of games they have played since the beginning of the online contract. Every time I call them, a foreigner with a XXXX accent tells me a new thing about the account and keeps me so confused I do n't know what they are doing other than victimizing me and scamming me for more money, and as far as I know they are not a payday loan company and do not advertise as one. I need help to solve this outrageous scam.
Consumer complaint received 2017-07-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (CT)

It 's become ridiculous and long to open simple account with Peoples United Bank-XXXX XXXX XXXX XXXX location. With friendly service of employees at the bank we are__ : group of XXXX from XXXX unable to open simple checking account at this bank its sims Discrimination against foreigners .We came to the bank as of group of 10 people on XX/XX/XXXX ... .Bank request several documents to ensure that status in USA is legal and after that 4 (!!! ) weeks past and account still not open without explanation ... Total Discrimination ... Thanks for help. This is a address of this branch Peoples United Bank XXXX XXXX XXXX XXXX XXXX, CT XXXX ( XXXX ) XXXX
Consumer complaint received 2017-07-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DE)

I bank with bank of America and this month they really missed my account up and I might get kicked out of my home for what they did with my rent check!! My landlord deposited my rent check in her account on XXXX XXXX, 2017 and it hit my back that evening. Well I get my check on the XXXX ( XXXX ) of the month in the amount of {$2500.00}. Bank of America bounced my rent check on the XX/XX/XXXX and when my deposit it the bank that morning I was over drawn for that rent check of {$1900.00} and some other things. Bank of America took over XXXX dollars out of my checking account to cover all the over drafts. So I ASSUMED after that they the bank PAID my rent check?? WHY ELSE WOULD THE Bank of America take the funds from my account? So now on the XX/XX/XXXX I check my checking account and to my surprise BANK OF AMERICA DEPOSITED THE XXXX FUNDS BACK INTO MY ACCOUNT???? My rent check bounced and I had to call my landlord. I went and got a XXXX dollar money order and sent it to my landlord. I called the bank and they have no answer for me.. Now that check and every other bill I have going thru this account will be over drawn. I 'm so sick of the way Bank of America has done what ever they please with you funds. They move yours funds around to make sure you over draw and those fees add up fast. I live on a fixed income. That 's how the banks get you. The banks know you have no funds to cover any of their fees until the next check.. Very disrespectful. XXXX XXXX email : XXXXXXXXXXXX address XXXX XXXX XXXX, XXXX, De. XXXX Phone : XXXX
Consumer complaint received 2017-07-06
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. (MA)

XXXX has incorrect hard inquiries on my Experian credit report. They are showing inquiries from X/XX/17. Inquiries that I did not authorize I do not know what XXXX is nor did I apply for anything from them. A fraud alert has been placed on my account since the discovery of these inquiries I have spoken to them via phone and sent countless letters and they refuse to remove these inquiries from my Experian credit report. The inquiry date is X/XX/17. I would like this inquiry removed immediately as I did not authorize it.
Consumer complaint received 2017-07-06
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (GA)

XXXX XXXX XXXX XXXX Comenity Bank XXXX charges excessive fees on customers accounts. I feel as if they are predatory lenders  with high interest rates and excessive fees and they should be investigate promptly. I recently opened an XXXX account and I limit my use on this account. I only charge under 100 dollars. I had balance of XXXX for my XXXX bill. I made a payment of XXXX leaving a balance at XXXX. This is where the issue began. I made a payment of XXXX on XXXX/XXXX/XXXX leaving a balance of XXXX cents. XXXX/Commenity Bank charged me a fee of XXXX for XXXX cents on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX there was an additional payment made for XXXX before the bill was due. I did not look at my bill at the time but the XXXX payment should have left a balance in my favor of XXXX but I was still charged fees on the account. <P/>The excessive fees based on their new addendums added to almost every statement and their predatory interest rates this company should be investigated. The last credit score I pulled was at a XXXX. A XXXX is considered good credit, but comenity bankXXXX interest rate is at 25.47 percent. That is predatory lending no matter if a person accepts it or not. <P/>A bank who targets teens should not be allowed to legally give children an interest rate over 25 percent. I will be closing my account as I only opened it in XXXX of this year for a promotional discount they were running but imagine all of the people they are doing this too on a daily basis. I have done business with them in the past and it is the same trickery in their billing. If you owe XXXX cents after paying XXXX why are they allowed to charge you 93 % FEE on your account for XXXX cents. It does not matter the timing or the rules for not paying the full balance. Even the minimum balance due is always a percentage of the total amount not the total amount due. They charge excessive fees, excessive interest rates and are predatory lenders. <P/>They are scammers and someone should investigate them. I will no longer do business with XXXX. No one should do business with this company at all. Any credit cards associated with Comenity Bank should be avoided.
Consumer complaint received 2017-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

All 3 credit report agencies would not allow me access to my credit report ( XXXX XXXX ) on XXXX XXXX 2017 because I could not match the " correct '' response to the credit lines opened under my SSN because they are fraudulent. I called the support agencies of all 3 companies and have not option for an actual human agent, and have to cycle through long drawn out automated systems that do not answer my concerns appropriately and place a burden on me that it not realistic in-terms of time and lost wages in opportunity cost. I would like this resolved as soon as possible with an actual person or written steps that will actually solve this issue in a reasonable amount of time. I am not sure why the burden is on the consumer who did nothing wrong.
Consumer complaint received 2018-04-15
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: CITIBANK, N.A. (NY)

I am a victim of identity theft. My office was broken into and several identity documents were stolen. The following inquiry showed up on my credit report and was not authorized by me and was made without my knowledge or consent. I have attached a copy of the police report. 

XXXX XXXX Date : XX/XX/2016
Consumer complaint received 2017-07-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

On XX/XX/XXXX, we paid the city of XXXX {$2400.00} for our quarterly real estate taxes using our account at Citizen 's bank. For some reason it was charged again on the XX/XX/XXXX, rejected due to insufficient funds, charged a bank fee, reversed on the XX/XX/XXXX, and then processed again on the XX/XX/XXXX when a deposit increased the balance to cover it. As soon as I discovered this I went into the local branch. The banker there filed a claim ( his idea ), and a credit was received XX/XX/XXXX.He also told us the {$39.00} fee would be waived, which never happened. On XX/XX/XXXX XXXX returned the second payment, and additionally there was a dda debit for the same amount. By the end of this there were 7 transactions in the amount of {$2400.00}. Four were debits, three were credits. Each of these transactions changed our balance, so at the end we are minus {$2400.00} plus the {$39.00}. XXXX, the company that apparently runs the online system for Ctitizen 's, claims we owe them a payment in that amount. I went in to the branch again and went over evrything and the banker agreed with me but refused to speak with XXXX. There is ( was? ) a note on our file with Citizen 's saying we are correct, but then they switched and said we owe XXXX, who has now turned this over to a debt collector. Please help
Consumer complaint received 2018-04-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Flagstar Bank, National Association (FL)

Problem with New York Community Bank bill pay. Checking account opened XX/XX/XXXX to use online bill pay for bimonthly donations to my XXXX. I made 11 on line payments of {$140.00} ; the first 8 payment checks were mailed to and received by my XXXX  on the designated dates. The XX/XX/XXXX check was never received by the XXXX & my bank indicated check was issued & mailed. I assumed there was a mail problem. 3 subsequent payment ( XX/XX/XXXX thru XX/XX/XXXX ) were mailed & received. However payment # 12 for {$290.00} due XX/XX/XXXX was never received by the XXXX. I inquired about check with the bank as my account listed the payment as an " ACH '' not the normal " Check Paid ''. I was told this payment was not in the form of the normal check but issued as " corporate check '' because the amount was larger. The check has not been received by the XXXX even though money was withdrawn from my account. Bank can not tell me why check was not received on designated date, or what dollar amount threshold required a " corporate '' check. That's a 15 % error rate on payments. The XXXX  regularly receives checks from other banking institutions without a problem.This is not a mail issue.. Today is  XX/XX/XXXX the bank is still holding my money and unable to give me adequate explanations.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (CA)

To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  Subject : Request for Reporting Loan Transactions in Compliance with Metro 2 Format for Consumer Report of XXXX XXXX Dear XXXX Team, I am writing to formally request the inclusion of loan transaction data on the consumer report for XXXX XXXX, whose details are listed below. The loan in question is being reported in compliance with Metro 2 formatting standards and aligns with your policies for reporting closed-end, unsecured loans with collateral. Please ensure that this data is correctly reflected in the consumer 's credit file.

Borrower Details : Full Name : XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( if applicable ) : XXXX Loan Details : Account Number : XXXX Loan Amount : {$10000.00} Interest Rate : 0 % Loan Type : Closed-End, Installment Loan Payment Schedule : Three monthly installments of {$3300.00} First Payment Date : XX/XX/XXXX Loan Status : Active as of XX/XX/XXXX ( Partial Release of Collateral ) Collateral Information : XXXX XXXX XXXX XXXX, Serial No. : XXXX XXXX XXXX XXXX Smart TV, XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX : XXXX, License Plate : XXXX Payment History : First Payment Date : XX/XX/XXXX - {$3300.00} ( Cash ) Status : Paid in Full, resulting in partial release of XXXX XXXX XXXX XXXX as collateral. 



Please report the loan status and payment history in accordance with Metro 2 guidelines using the following parameters : 1. Account Status Code ( 17 ) : Open, performing 2. Payment Rating ( 19 ) : 0 ( Current ) 3. Special Comment Code ( 26 ) : Loan secured by collateral 4. Account Type ( 17A ) : 01 ( Installment Loan ) 5. Payment History Profile ( DLA Segment ) : Reflect current, timely payments.

6. Date of First Delinquency ( DOFD, if applicable ) : N/A, account is current.

This data reflects accurate reporting for XXXX XXXX and is based on documented loan agreements, security interests, and payment records already filed with the State of California ( XXXX XXXX XXXX ). Please update the credit file for XXXX XXXX accordingly. 

Thank you for your attention to this matter. Please confirm once the data has been added to the consumer report, and feel free to reach out if any further documentation is needed to facilitate this request.

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone : ( XXXX ) XXXX Email : XXXX XXXX