davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX Balance Owed : {$520.00} XXXX XX/XX/year> XXXX XXXX XX/XX/year>
Consumer complaint received 2017-06-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (MD)

In  XX/XX/XXXX , my husband and I applied for a loan with One Main Financial located in  XXXX   XXXX , MD. Since having the loan, we have made a numerous amount of payments on time and when my husband was laid off, we requested to have our loan deferred . One  way or another, since having this loan, as of  XX/XX/XXXX   , only {$1000.00} has been applied to the principal and the representative said that if we paid in full today, our total balance due would be {$13000.00}. We borrowed {$15000.00} a few years ago and have made payments totaling over {$7000.00} since having this loan. Our balance should be significantly lower especially since we have paid a significant amount during the tenure of this loan. In speaking with several r eps at One Main, they were unable to explain why an enormous amount was going solely to interest EVERY month. We are in the process of pursuing a civil lawsuit against One Main if the funds that we have already paid is not applied promptly. This issue has been brought up previously and have remained unaddressed by One Main.
Consumer complaint received 2017-06-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (KS)

We were making extra payments in XX/XX/XXXX for what we thought was for our escrow because they were only having us pay XXXX XXXX a month for taxes ( INSANE ). Well that whole time that money was going to our principal instead. We did not catch this till the beginning of XX/XX/XXXX and they are telling us they ca n't do anything about XX/XX/XXXX extra payments to our principal and so we now went from a {$1000.00} mortgage payment to a {$1700.00} mortgage payment when it should n't be that way because they had a couple thousand dollars that was supposed to be used to be pay for the escrow when they finally figured it out but instead that went to our principal. We have called at least 10 times and asked to speak to a supervisor and not once have we ever gotten a phone call back. We just want the money transferred from XX/XX/XXXX that went to our principal to our escrow. It is OUR money and instead of just doing it they are putting it off hoping we will forget/telling us they ca n't do it, which is a lie
Consumer complaint received 2017-05-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First National Collection Bureau, Inc. (OH)

My father and I have the same name. I am a "  XXXX  '' and the collection agency was trying to collect a debt from me that was not mine, rather my father 's. I have called the collection agency as well as the credito r (   XXXX   XXXX   ).  They called the situation " skip tracing ''. This was never my debt, but is effecting my  credit score. I just want it all to vanish to raise my score back up.      Thank You
Consumer complaint received 2017-06-05
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Levy & Associates, LLC (NC)

Law firm sent out notice about collecting a debt. I went on there website and submitted an email to see if we can setup payment arrangement. I ask if they can stop sending notices to home address and call my cell phone they did n't respond and they keep sending out notices to home address
Consumer complaint received 2017-06-05
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: Ditech Financial LLC (IN)

DITECH, MORTGAGE FAILED TO PROCESS THE HARP REFINANCE LAST MONTH, BECAUSE THEY ARE NOT REPORTINH ON  XXXX .
Consumer complaint received 2017-06-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (TX)

The aforementioned credit collection agency representing  XXXX  violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files :  XXXX ,  XXXX  and  XXXX .   The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If  Southwest Credit Systems, L.P. Inc. do es not have any documentation, they need to retract this from my credit file immediately.
Consumer complaint received 2017-06-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Google Compare Credit Cards Inc. (IL)

I am having issues with Google I have a balance of  XXXX  on my account for purchasing  Google play  cards in the last week I have had my account closed are I purchased these and redeemed them upon doing so I made a new account and had the money switched to another account in which they closed it as well I have been on and off the phone trying to get my money refunded back and I 'm being told they wo n't give it back I was stolen from to begin with which is why they say they closed it initially I understand that but I made a new account and they still closed my account and are unwilling to return my money back to me I feel this is illegal for them to keep purples money like this I should not be penalized for someone having my account
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

XXXX XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2017-06-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LJ Ross Associates (MI)

I have been continuously getting the run around from  XXXX   XXXX   XXXX   XXXX  and LJ Ross Associates regarding my medical bills- patient responsibility amounts. I called  XXXX   XXXX   XXXX   XXXX  in  XX/XX/XXXX  to make a payment arrangement on ALL outstanding bills as the statement I received in the mail stated. It stated that if I was unable to pay that I could call and setup a payment arrangement. I called  XXXX   XXXX   XXXX   XXXX  and was setup on a payment arrangement and paid the balance in full  XX/XX/XXXX   . Then the very next day  I g ot a letter from LJ Ross Associates which is a debt collection agency for a balance I thought I just paid through the payment arrangement.  XXXX   XXXX   XXXX  uses, LJ Ross Associates as a debt collector and the few bills that I was under the impression I was paying off were not included in the payment arrangement only facility fees. I called  XXXX   XXXX   XXXX  after talking to a representative a t LJ  Ross and the  XXXX   XXXX   XXXX  billing representative "  XXXX  '' told me that, that bill was not included in the payment arrangement. I do not understand how they could have been left them out when I asked for " ALL '' outstanding bills to be setup on a payment arrangement bills. I am in the process of obtaining a mortgage and this is hurting  my credit score. This  is super frustrating and this is not the first time  XXXX   XXXX   XXXX  has billed me incorrectly. In the past they have not billed my insurance timely and then when they finally do bill my insurance and my insurance pays their portion I get sent my co-pay or patient responsibility to a debt collector instead of giving me the opportunity to pay first.  XXXX   XXXX   XXXX  facility has gone through various changes through the past 10 years and I really think that they have cut corners to clear accounts before new owners have taken over. Fortunately, I have gotten those past issue off my credit report by disputes through the  XXXX  credit bureaus, but this is getting very frustrating and I need this to stop. I 'm sure I am not the only that this issue has happen too.  XXXX   XXXX   XXXX  billing practices ne ed to be investigated. And currently the bills I have been responsible for that were sent to LJ Ross for  collection were paid an d LJ Ross list ed them as a charge off on my credit report when that is not accurate. I understand that may be a separate issue but both companies practices should be investigated.
Consumer complaint received 2017-05-24
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: RevCrest, Inc. (CA)

XXXX  from  REVCREST Inc e xplained to me that i could not lower my payments as the young lady before told me that after  XXXX  garnishments  ( whic h are creating a big hardship as it is  XXXX  put of my check a month and my bills are behind due to this ) I could lower my payment, she then asked for a financial statement over the phone,. I gave her the information and now i am being told different, that i would have to continue the garnishment and i would have to make payments as well.       is this legal? if so I will be homeless soon!     every time i ask for a hearing which is my RIGHT, I have been denied ... IT IS MY RIGHT!
Consumer complaint received 2024-08-02
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. (IL)

I recently received a copy of my 3 Bureaus consumer report and I noticed inaccurate information posted on my consumer report : XXXX XXXX XXXXXXXX Balance {$0.00}
Consumer complaint received 2017-06-05
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: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I  XXXX   XXXX  believe in the credit reporting system, but there are several issues that need to be addressed by the Federal Trade Commis sion ( FTC ) and the C onsumer Financial Protection Bureau ( CFPB ) to correct the debt collection process, and the abuses that can harm a persons credit ratings without legal standing. A debt collection agency known a s Portfolio Recovery Associates, LLC ( PR  A )  has posted several items of collection against me personally that can no longer be enforced by lawsuit within the state of New York. The creditors themselves deleted the original items from my credit reports since their existence became obsolete based upon the Fair Credit Reporting Act ( FCRA ) 7-year rule applying to outdated deb ts. Portfolio Recovery Associates ( PRA ) has  no standing to attempt to collect on debts that are no longer enforceable within my state of residence, not reportable on credit by FCRA guidelines.   PRA has posted and continues to post on my credit bureaus collections for the following outdated accounts :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  ( ORIGINAL HOLDERS OF   XXXX    XXXX  BANK ACCOUNTS ) This means th at PRA is posting the same accounts twice Attachments of all of these collections are attached. PRA showed  no physical proof of attachment that they were in possession of purchasing these debts, or approval from  XXXX   XXXX  that they had permission to collect on said debts. PRA collection the information on these accounts through a debt-pooling arrangement that should be deemed illegal at some point by the FTC.  <P/> PRA has no other recourse but to delete all references on all collections with each credit reporting agency, and to send a letter on each case that the information has been purged. I will submit an additional complaint with the Office of Attorney General, state of New York to investigate illegal collection practices such as those procured by PRA against New York residents.  <P/> THESE ITEMS MUST BE DELETED IMMEDIATELY & PERMANENTLY!!
Consumer complaint received 2017-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (UT)

Repeated denials for  XXXX    XXXX   cash checking account. The reason are stating Chex systems has something blocking an approval for their checking account. Chex systems customer service has stated their is no derogatory information and that I have a clear report.  XXXX   XXXX  stated to apply again and denied again for the same reason Chex systems. My risk from  XXXX  to  XXXX  is  XXXX , nearly a perfect score?! So something does n't make since in this.
Consumer complaint received 2017-05-25
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NH)

I applied for a loan online thru Ace Cash Express. I received an email from  XXXX   XXXX  letting me know that I was approved for a loan for {$5000.00}. Email included a letter from  XXXX   XXXX  along with the loan agreement. It said to call  XXXX  to finish the process. I spoke w/  XXXX  on  X/XX/17    who told me that in order to get this loan, they were going to deposit $ into my checking acct, & I needed to send back. He said I needed to do this because my credit was n't that good ( which it is n't ). They were going to deposit  XXXX  into my checking acct, & I needed to go to Walmart & send  XXXX  to  XXXX   XXXX  -  XXXX   XXXX  IL via  a Moneygram. Moneygram w as sent, & I paid  XXXX  ( incl  XXXX  fee ). I called  XXXX  to let him know th at Moneygram wa s sent, & he said to send him a copy of the receipt to his email, which I did. He, then, called me back letting me know that the {$5000.00} could not go thru, & it may be because my credit was low. He was going to try it again by depositing {$980.00} this time & to send back {$960.00} to  XXXX   XXXX   XXXX  IL via Moneygram, which I di d ( incl   XXXX  fee ). I called him again letting him know $ was sent, & he then told me again to send him a copy of the receipt, which I did. This went on for  XXXX  more times on  X/XX/17    ... deposited  XXXX , sent  XXXX  ( incl  XXXX  fee ) to  XXXX   XXXX  via  XXXX   XXXX  ; deposited  XXXX , sent  XXXX   XXXX   XXXX   XXXX  fee ) to  XXXX   XXXX  again via  XXXX   XXXX  ; deposited  XXXX , sent  XXXX   ( in  cl   XXXX  fee ) to  XXXX   XXXX  -  XXXX   XXXX  IL via  XXXX   XXXX . All of the receipts for these transactions were also sent to  XXXX  's email. We spoke again on Friday night,  X/XX/17   , & he said that everything looked good now on their end, & $ would go into my acct w /i 15 min s or on Monday. I sent him an email & text on Saturday to check on status & also left him a message as well ... .no response. When I checked my checking acct on Monday, I was negative  XXXX . The  1st  deposit of  XXXX  was taken out. I immediately called  XXXX  to find out what was going on because I was also unable to use our debit card or check acct on my cell phone, & they explained that my acct was locked & looks like all the deposits will probably be taken out,  & I may ha ve been scammed. I am now negative  XXXX . I spoke to both  XXXX  &  XXXX   ( w ho I think are the same person  ) s everal times on Monday & Tuesday, & they both told me that they would look into it & get back to me. I called again on Tuesday night & was told by  XXXX  that he could send me {$5700.00} via    XXXX   XXXX    if I paid {$500.00} fees. I told him I was not going to give them anymor e ,  & I wanted my $ back & was going to report them the authorities.
Consumer complaint received 2017-05-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (MA)

Hello ... .My name is  XXXX   XXXX   .  I live at  XXXX   XXXX   XXXX   XXXX  Ma.  XXXX . I have a complaint regarding th e Sears branch of Citibank credit  card. The bank has been holding back checks that have been sent to them for payment that have been well within the due date and thus the next bill has late fees and fines. This happens continuously so that the consumer never has a chance to " catch up '' the fees just continue and the balance actually grows. I have always been a good customer of Sears for the las t thirty years  and had never encountered a problem like this until recently. I thought it may be an isolated issue but after speaking with my husband who has his own credit card account with them have come to find that he has been having the same problem. I did some online research and found hundreds of very similar complaints from other customers. Because of this behavior on their part, I am paying off the entire balance in full via certified letter so that I will have proof that they received the last payment well within the due date. My request of you is that someone in your office please do some research regarding the aforementioned complaint and any other complaints that you may have received about Sears credit card. What they are doing maybe legal but in no way is it ethical. I do n't think it should be allowed as I may be lucky enough to have the monetary resources to rid myself of them but others without the financial ability to do so are basically enslaved by them in a " company store '' manner. This type of a financial con game is completely and utterly unacceptable in this day and age.     Sincerely,  XXXX   XXXX
Consumer complaint received 2017-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

There are  XXXX  accounts on my credit report that are reporting late payments when I was in fact never late.      XXXX   XXXX   XXXX   XXXX  -  XXXX  ( 30 days past due  XXXX ,  XXXX ,  XXXX  )  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  ( 30 days past due  XXXX  )  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  ( 30 days past due as of  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX  to  XXXX   XXXX   )  I was never late on these accounts and should not have any late paymetns.
Consumer complaint received 2017-06-05
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: CORELOGIC INC (OK)

On  XX/XX/XXXX , I purchased a new vehicle from  XXXX   XXXX   XXXX  in  XXXX , Oklahoma. I had secured financing through my own bank for the transaction. I told the dealership that my bank had ran my credit for my approval and they should NOT run my credit. They said, no problem.  <P/> On  XX/XX/XXXX , I was contacted by the dealer requesting I complete a credit authorization form. The dealer stated my credit union required the form to be signed in order to complete the file. The dealer then sent the form to me on  XX/XX/XXXX  for my signature. Once again stating that the form had to be signed in order to fund my loan through my bank. I have a voicemail and emails to confirm this.  <P/> I noticed the evening of  XX/XX/XXXX , a credit pull showed up on my credit report from CredCo. I called CredCo to confirm that in fact the dealer had pulled my credit report.  <P/> Based on my research : Under the Fair Credit Reporting Act, a car dealer may pull your credit -- if you consent by filling out and signing a loan application. However, when paying with cash or prearranged financing, a dealer has no right to coerce you to agree to a credit check by invoking t he USA Patriot Act, the  XX/XX/XXXX  federal  anti-terrorism law.
Consumer complaint received 2017-05-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

Sent Trans Union a n otarized affidavit signed by the bank. Requesting to be provided proof I consented to the inquiries via FCRA sect ion 609 and 605 as well as the accuracy of this inquiry via FCRA section 623 .  If you have no proof immediately of any or one, I would like it removed immediately. Trans Union has refused to provide the proof under the FCRA section 609, 605 as well as the accuracy via FCRA section 623.
Consumer complaint received 2017-06-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: PNC Bank N.A. (NC)

A check was written to pay for day care services for {$600.00} I signed the check the same way I sign every check. The check was returned due to an invalid signature. The signature is the same signature as other checks that paid recently and the same day. No one reached out to me to ask if it was valid. Spoke to client esacalations and played phone tag with rep. Called back and got a different rep and he said there was nothing he could do to cover the {$25.00} charge that I am being assessed by the payee. This is  PNC 's fault. PNC needs to pay the charge.
Consumer complaint received 2017-06-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CO)

As of today,  XXXX   XXXX ,    2017, we are still being called by a collection agency called Portfolio Recovery.  They were collecting on an old credit card debt. My husband, in  XXXX  of this year, made an agreement with them to pay them {$250.00} total and the debt would be paid off. Our complaint is that they are still calling us for collection!
Consumer complaint received 2017-06-05
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: Experian Information Solutions Inc. (IL)

I have sent all proper documentation required by all the credit bureas to remove the fraudulent information from my account. They have removed some of the accounts but not all. The ones that remain are   XXXX   XXXX   opened  XX/XX/XXXX  with a balance of {$1000.00},  XXXX  opened  XX/XX/XXXX  with a balance of {$480.00}, &  (   XXXX  )  XXXX   XXXX   XXXX  accounts   XXXX   opened  XX/XX/XXXX  with a balance of {$40.00} each.