davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-07
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: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Back in XXXX to XXXX I had adverse financial difficulties and I was not able to pay off my obligation to two debts those debts were adquired by another and anothe and posibly another company that bought those debs Now I need to refinance a car I purchased and they pay no attention to how I have been paying my debts for the pass 5 years instead they look only to those unpaid debts of years pass I believe that's an unfair practice that this financial institutions look at 8 years pass and not at how a person is financially performing at present and in the pass 5 years.
Consumer complaint received 2020-08-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (GA)

On XX/XX/2020 i checked my credit report and found a collection agency trying to collect a debt that i have no knowledge of I C system is trying to collect over XXXX $ that i do not owe them i dont know who this company is nor have i signed any agreement or contract with them nor any of there affiliates
Consumer complaint received 2020-08-07
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: CCS Financial Services, Inc. (MD)

I have a loan with CREDIT COLL ( Original Creditor : XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and CREDIT COLL ( Original Creditor : XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-08-07
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: PENTAGON FEDERAL CREDIT UNION (MO)

I have noticed that PENTAGON FEDERAL XXXX have placed an inquiry on my XXXX credit file dated XX/XX/2020. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. I requested both PENTAGON FEDERAL XXXX and XXXX to verify these inquiries. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681b ) for an entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to inquire as to their alleged purpose, for doing so since I did not apply for employment with their organization nor did I request credit from their organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a )  ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure are { { {$1000.00} } }, whichever is greater ; ''
Consumer complaint received 2022-11-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Carter-Young, Inc. (CO)

I saw a collections account on my XXXX XXXX XXXX that showed a recent open collections from Carter Young. I never received written mail, email, text or verbal call voicemail letting me know there was an account going into collections on a bill that i never received in the mail or digitally in email. 

I have called then 3x times this morning and been hung-up on 3 times. I have reached out via online chat just to have it ended early with out any help or direction to take care of this.

I just want to get this taken care of but Carter Young is putting up roadblocks/ not aiding in getting this fixed. I have read reviews that they have been reported to the XXXX before so I hope something is being done or looked into about this companies and their managers practices. 

My credit score has been negatively impacted due to their tactics, lack of transparency and blatant lack of following consumer laws. 

At this point I don't know how to go about getting this fixed because they hang up before you are able to get your debt issues figured out and fixed.
Consumer complaint received 2020-08-07
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. (VA)

In XXXX of this year ( XXXX ), my income was temporarily affected by the COVID-19 pandemic. I immediately contacted ( by phone ) all of my creditors, including XXXX XXXX. XXXX XXXX like the others gave me an additional period of time to recovery ( 60 days ), and ensured me that no negative references would be reported to the credit bureaus. I missed two payments in XXXX and XXXX ( as I did with all my other creditors ) and they reported me ( none of my other creditors reported me late, with the exception of XXXX XXXX ) and my score dropped 100 points. I immediately wrote them to protest their action, but to no effect. They deny their promise to me that was made and refuse to delete the negative reference on my credit report. 

I have not gone over 30 days on a payment to a creditor since XXXX. I have three mortgages and seven credit cards and take personal credit rating very seriously. Specifically with XXXX XXXX, i have had the account since XXXX, have a credit limit f {$20000.00} and and never gone over 30 days. 

When the COVID-19 pandemic first began and I contacted them, I was assured over the phone by one of their representatives that this would not happen and it did. 
I respectfully ask for your assistance to make an inquiry to XXXX XXXX on my behalf.
Consumer complaint received 2020-08-07
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2020-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

In XXXX of this year ( XXXX ), my income was temporarily affected by the COVID-19 pandemic. I immediately contacted ( by phone ) all of my creditors, including Capital One. Capital One like the others gave me an additional period of time to recovery ( 60 days ), and ensured me that no negative references  would be reported to the credit bureaus. I missed two payments in XXXX and XXXX ( as I did with all my other creditors ) and they reported me ( none of  my other creditors reported me late, with the exception of Capital One ) and my  score dropped 100 points. I immediately wrote them to protest their action, but to no effect. They deny their promise to me that was made and refuse to delete the negative reference on my credit report. 

I have not gone over 30 days on a payment to a creditor since XXXX. I have three mortgages and seven credit cards and take personal credit rating very seriously. Specifically with Capital One, i have had the account since XXXX, have a credit limit f {$20000.00} and and never gone over 30 days. 

When the COVID-19 pandemic first began and I contacted them, I was assured over the phone by one of their representatives that this would not happen and it did. 
I respectfully ask for your assistance to make an inquiry to Capital One on my behalf.
Consumer complaint received 2020-09-28
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4900.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- OPEN ACCOUNT -- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4900.00} -This is not my account. 


-- XXXX ACCOUNT -- 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} XXXX -This is not my account.
Consumer complaint received 2020-08-07
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: Experian Information Solutions Inc. (CA)

This is my third time complaint they keep responding that the complaint does not apper to be from me. This is an ongoing problem with Experian so I am sending the same request again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Experian XXXX. XXXX   XXXX XXXX, TX XXXX XX/XX/XXXX To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. XXXX XXXX & XXXX XXXX ) 2. ( XXXX XXXX, XXXX & XXXX XXXX XXXX 3. ( XXXX XXXX & XXXX XXXX ) 4. XXXX XXXX XXXX XXXX  XXXX  & XXXX XXXX ) I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
Consumer complaint received 2020-08-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Mobiloans, LLC (CA)

I took out a loan with mobiloans when I encountered some financial hardships. They present the loan as a line of credit but what was not made clear, and was very deceptive, is that the charge a very high fixed fee every two weeks, which means that out of your biweekly payment, only a few dollars actually goes towards your principal balance. Mobiloans also told me that there are no prepayment penalties, but when I tried to pay down some of the principal balance, they instead applied it to the following fixed fee scheduled. 

I emailed mobiloans and explained what happened, and that I want to make a payment toward the principal balance. The reply to my email was that I need to call customer service if I wanted to complete that action. When I called customer service, they said I can not do that because the fixed fees are fixed, and you have to pay them every two weeks. 

This is fraudulent and predatory practices and trap consumers into an endless cycle of fixed fees that equate to over 400 % interest rate.
Consumer complaint received 2020-06-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (NJ)

I applied for a loan Modification and was offered a balloon mortgage where my lender added 21 years to my mortgage and only lowered my mortgage payment by {$400.00}. They are refusing to revisit this and now I am being force to sign off on a balloon mortgage Modification deal.
Consumer complaint received 2020-08-07
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital one erroneously reported a 30 day late to my credit report for a business credit card that was in forbearance because of a hardship occurred during the COVID-19 Pandemic shutdown. I spoke to someone at capital one and they assured me that the erroneous mark would be taken off when I write the credit report department and provide that department with a copy of report that has the error circled. Well I did just that and now Capital One has a different story of the mark being there. No investigation, it didnt matter if account was in forbearance and sorry that they know how important my credit is. When the pandemic first happened the FCRA gave guidelines as to how and when furnishers should report. Capital one is not recognizing accounts in forbearance. They did not investigate what was said to me on the phone as well. They sent me a 1 page letter with a brief message. The person I spoke to knew my Mother died alone with no one there. They knew the business had a hardship and when it got to Capital Ones credit department nothing mattered.
Consumer complaint received 2020-08-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Equifax. 


1. Company Name : XXXX XXXX XXXX  XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft
Consumer complaint received 2020-08-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (MI)

I am trying to link my checking account with PNC to a website but got the message below : PNC has made a change that prevents you from being able to link your accounts. 

I should be able to utilize my account in anyway I choose. Unfortunately, this problem prevented me from taking advantage of a great opportunity.
Consumer complaint received 2020-08-07
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (WI)

I bought some electronics at bestbuy using my bestbuy store credit card with 18 months interest free financing. I set up recurring payments to pay the minimum with the intention of paying off the loan in a lump sum at the appropriate time. In the past when I have done this, I have been able to log into my account easily to see when the promotion was ending to make the full payment. This time, it looks like bestbuy transferred the credit card management site to Citi bank and even though they claim you can log in with your bestbuy account information, I couldn't log in when redirected to the site. I wasn't able to call in time to have this login issues resolved. And because I setup automatic recurring payments, I thought I had ample time. To my surprise, I saw an email with a balance much higher than the amount left to be paid off ( {$4300.00} instead of {$2800.00} ). Between Citi bank and/or bestbuy, it looks like they pile up all the interest accrued for the 18 months of the promotion period and apply all that at the end ( XX/XX/XXXX for me ) for you to pay, which is an unexpected and crazy amount to begin with. I have not seen any interest charge on my other credit cards applied in this deceitful way. 

Being a loyal customer for over 10 years now, I have tried working with them to get these unreasonable interests off but they have been very inflexible to work with and it really seems like they don't care, even with the hard times we are in, given the pandemic and are just happy to stick me with the interest of {$720.00} and {$920.00} for 2 consecutive months. 
I spoke with a representative about their covid relief plan, which allows an extra 2 months extension of the promotion and she said she will be able to apply that for me so I pay off the loan, which I paid off right there with my emergency stash funds. The extension was to allow me till XX/XX/XXXX and I paid the full balance off XX/XX/XXXX. However, I still see the second interest of {$720.00} after 2 days and when I called in again just today ( XX/XX/XXXX ), they are telling me they can only take off one interest charge within a calendar year so there is nothing they can do. They are now saying that i requested the assistance after they had charged the interest so it doesn't apply to me. 
I honestly do not know what to do and don't have the funds for this charge, which I strongly feel is not a fair charge to begin with. This does not seem fair at all being at the hands of such big companies charging me this crazy amount in these crazy times and basically sticking me with a severely unfair debt in my opinion. To make it even more painful, the customer service representatives only say they completely understand me but there is nothing at all they can do. I have never felt so helpless before. 
I am asking that you please step in here and help me out of this predicament. I am happy to answer any additional questions via phone.
Consumer complaint received 2022-11-04
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: American First Finance, Inc. (TX)

I got appliances on a rent to own agreement. I was told I could cancel the agreement anytime after initial lease term which was two months. I have been paying {$120.00} a week auto payments for 8 months and was told I still owe over $ XXXX for appliances that cost {$3500.00}. I called the company and they told me I can't terminate lease I can only donate appliances to charity for tax write off and still owe balance. I have never heard of this before. I want to either have company come and get appliances or credit money I have paid for appliances to balance which would pay off items.This was supposed to be a lease to own meaning I can cancel items without purchase. 
If we can't come to agreement I have spoken to an attorney and will be joining a class action lawsuit that I found out was filed against this company for doing similar tactics against other people.
Consumer complaint received 2020-09-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sent in a letter to transunion on a bankruptcy that they have showing in my credit file. I requested an investigation in which it came back verified in XX/XX/XXXX. I sent out a letter to request their description of procedure on XX/XX/XXXX and I still have not received any information from this company, required under section 611 ( a ) ( 6 ) ( B ( iii ). I spoke to a rep at transunion and he notified me that they do not have to provide me with this information nor would he tell how it was verified. What he said was it was the federal courts who verified this information. Their website states XXXX XXXX  was the third party vendor for cases before  XXXX. Currently they are using XXXX to verify XXXX and later. I wrote a letter to the courts and also called them to clarify. They state that they do not verify or report information to credit bureaus. It is pulled from public records. This company knowingly gave false information to relieve themselves of their obligated duties to conduct an independent investigation into this matter. They also failed to provide me with their description of procedure and documentation that was provided to them that helped to verify this alleged bankruptcy showing in my file. I spoke with a rep over the phone on XX/XX/XXXX and disputed information again. No less than 24 hours the investigation was " complete '' with no results. The item still remains on the report so I am unaware of what happened in this supposed investigation. This company has a bad reputation of not properly handling disputed and incorrect information. ( Ref. Cushman vs. Transunion 1997 ). This company is very non compliant when it comes to upholding the laws.
Consumer complaint received 2020-08-07
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: JPMORGAN CHASE & CO. (GA)

I have a loan with XXXX, JPMCB CARD and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and XXXX  and XXXX, JPMCB CARD and XXXX with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2024-02-27
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. (AR)

Under 25 U.S.C. 1666b this is a billing error, ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. - XXXX XXXX # XXXX - XXXX XXXXXXXX # XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX # XXXX