davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-13
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: Experian Information Solutions Inc. (MD)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX # XXXX and XXXX - XXXX XXXXl XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX has violated my rights. 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting can not furnish a account without my written instructions.
Consumer complaint received 2023-07-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

On XX/XX/2023 I applied for XXXX balance transfer requests. The first request was balance transfer from XXXX Bank in the amount of {$750.00} to XXXX XXXX XXXXe Bank. The second was for {$320.00} from XXXX XXXX to XXXXXXXX XXXX XXXX Bank. 

On XX/XX/2023 both balance transfer amounts showed up on my XXXX XXXX ( XXXX ) so I assumed both transfers were complete. 
On Friday XX/XX/2023, I received a check in the US mail that was for XXXX Bank in the amount of {$320.00} however it used my address as their place of business ( see attached check ). At yhat point I checked my balances at XXXX and XXXX which both indicated a transfer had not occurred and I still owed them the balance transfer amounts. 
I then called XXXX and spoke to a representative and explained my confusion on receiving an invalid check and my concern for being charged on my XXXX account for transfers that they had not yet paid resulting in me now owing Mercury, XXXX, and XXXX for the same charges. She understood my concerns but stated there was nothing she could do to personally fix the problem and would have to send my concerns to the fraud section. I expressed that wasn't acceptable to me and asked to speak to her supervisor. She transferred me to XXXX, employee # XXXX. I explained the scenario and she offered a resolution that was not acceptable at first. She then cancelled the balance transfer for the check amount and said that would show up on my XXXX account XXXX to 5 days which I accepted. However, I was still concerned about the other transfer.. To the poinXXXX I do not believe it is legal or ethical to charge for XXXX to bill for a transfer that has not been completed, which has happened in both XXXX and XXXX scenarios above. The credit for check has not shown up on my account to date and I still owe XXXX, XXXX and XXXX for the charges.
Consumer complaint received 2019-10-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

I have disputed Portfolio with the credit bureaus XXXX of XXXX stating account number XXXX its not my account. Credit bureau said that account was verified as mines by Portfolio Recovery. I sent Portfolio recovery a certified letter XX/XX/XXXX that this is not my account and please validated the account as being mines. I have not received anything I sent out another letter XX/XX/XXXX and again nothing. How can they update status on the credit report without validating the account with me. Status update on my credit report XX/XX/XXXX and that this information is to stay on record until XX/XX/XXXX. I should not have to wait for this to fall off my report XXXX when this is not my account. Please have this company validate the account as I have asked several times.
Consumer complaint received 2018-11-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (CA)

I had an account with Citi AAdvantage for over 18 years. I recently contacted them to let them know I i was making a name change to my business and needed the card to reflect that change. when I called I was advised that I will get a form in the mail with several questions to mail back. I was also told by a representative that my account number and everything else would stay the same. To my surprise, my account was closed with no notification from Citi AAdvantage, and I am outraged. I use this card daily, have a high available balance. pay my bills on time. I contacted customer service immediately when my card was declined when trying to order food. I was told I closed the account, which was incorrect. I was also told that a supervisor would contact me. no one bothered to contact or send any letter about closing this account. I contacted customer service and was transferred to the executive response unit that promised this should be an easy fix got back to me after 5 days and said that this account can not be opened and that I can apply for a new card. I am outraged and need to know what I should do next. the account was closed in err of CitiAadavtage and they should take the responsibility of fixing this issue.
Consumer complaint received 2018-11-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: American Credit Acceptance, LLC (CA)

American Credit Acceptance : Failed to process payments and then charged interest on the principal. 
Charges processing fees for payments that were not disclosed at the onset of loan. 
Calls 4-5 days regarding payments while failing to address previous noted issues. 
Lost checks, and does not provide statements. 

At this point the company has " lost '' {$5200.00} in funds that were sent to them and has not reconciled any of these issues. 

Continues to call and has not addressed any charges or fees. 

This Loan was through XXXX which also failed to disclose the company 's practices.
Consumer complaint received 2023-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (IL)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2018-11-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (VA)

I live in Virginia and applied for a online loan. I have come across information that XXXX is not legal in Virginia. XXXX keeps taking funds from my checkings and causing overdraft fees. I am more than willing to pay them what I owe. But, at 149.81 % it is impossible to do so. I borrowed {$1200.00} from XXXX and my payment was supposed to be {$79.00} a month. XXXX is taking that amount from my checkings sometimes, 2 to 4 payments in one month. I have been late one time and XXXX  has made me pay dearly. I have contacted XXXX  about the matter and they refuse to work with me.
Consumer complaint received 2018-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

I need my credit report to be accurate and up to date. I found a few things that are not correct on my file. My name is XXXX XXXX XXXX please remove any other variation of my name. My current and only employer is XXXX please remove all others. My current and only address is XXXX XXXX XXXX, XXXX, PA XXXX the following addresses are not mine please delete them they are not accurate. 

XXXX XXXX  XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Consumer complaint received 2019-01-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

I have sent more than 3 notices through Consumer Federal Protection Bureau complaints on Portfolio Recovery Services on multiple accounts that were reported to my credit report illegally. The have violated many Fair Credit Reporting Act and Fair Debt Collections Laws and have destroyed my credit. 
Over the last year I have requested documents required by Law and they have ignored them and said they never received them even though there are records showing this from previous complaints on record by the Consumer Federal Protection Bureau. These files show they indeed have received my disputes and complaints. 
They have exhausted more than the 30 day time frame to allowed by Federal Law to provide all required documents needed to prove this debt is valid- I dispute this debt again. I have no records of this amount they are trying to collect and neither do they. 
Portfolio Recovery has a history of forging documents and stalling saying they have never received any disputes. I have records for fake Dunning Letters and Statements they provide that does not show the full detail of the accounts and due to this they have removed 3 other accounts that I have had the same issue of them proving the debt is actually owed. I am requesting they do the same and release and remove this account from all credit reporting agencies immediately. 
I have also disputed this account with the credit bureaus and Portfolio Recovery reports this account as verified just like they did with the others but have since removed them. One of which is listed in the most recent complaint XXXX-XXXX submitted on XX/XX/2018 but this account # XXXX was not. 

Portfolio Recovery is using Harrasement and Unfair Collections to collect this debt according to the Federal Debt Collection Practices Laws. I have included the numbers and dates of previous complaints that show that my notice of DISPUTES have been dismissed by this company and the claims unfounded. 

Compaint # XXXX-XXXX Submitted to the CFPB on XX/XX/2018 Compaint # XXXX Submitted to the CFPB on XX/XX/2018 Complaint # XXXX-XXXX Submitted to the CFPB on XX/XX/2018 -Did not provide copies of any validation or verification -Continues to reply PRA has no record of a request or dispute being received in relation to its initial notification letters. 
-Never sent Dunning Letter but reported to my credit report- No proof of letter every being sent -Can not prove the amount owed is valid or owed- or accounting of amount owed
Consumer complaint received 2019-01-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: SUNTRUST BANKS, INC. (MD)

XXXX of 2015 I went to SunTrust bank To open a check account in my employer giving me a fake check that I had no idea and now I'm unable to open up another account at any other bank
Consumer complaint received 2018-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I need my credit report to be accurate and up to date. I found a few things that are not correct on my file. My name is XXXX XXXX XXXX please remove any other variation of my name. My current and only employer is XXXX please remove all others. My current and only address is XXXX XXXX XXXX, XXXX, PA XXXX the following addresses are not mine please delete them they are not accurate. 

XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Consumer complaint received 2022-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (NC)

Barclays Bank has a pattern of applying payments that were received on time after the payment due date, resulting in late payment fees and interest charges. This has happened most recently to me with my XXXX and XXXX payments, but it has also happened previously. This is not a one-off issue. It is a practice. 

This most recent case is typical : my bank says it made payment on XX/XX/XXXX. Barclays own record reveals receipt on XX/XX/XXXX, the due date. Yet the payment is not posted until XX/XX/XXXX, and late fees and interest are charged. 

I have called the company numerous times and written to it twice. Most times, after some back and forth, the charges have been reversed. I believe it repeats this practice with many other customers.
Consumer complaint received 2019-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MO)

Multiple inaccurate information is being reported on all three of my credit reports from all three credit reporting companies. Example ; Equifax reports collection amount as {$450.00} and XXXX reports the same account as {$0.00}. I have filed several disputes asking for the information to be removed that is inaccurate. Also there has been no proof of a signed contract for these collections on my credit report. No explanation of how it came back verified. I need to see original documentation from these collection agencies with signed contracts from me or they need to be removed immediately. It is the LAW.
Consumer complaint received 2018-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

I need my credit report to be accurate and up to date. I found a few things that are not correct on my file. My name is XXXX XXXX XXXX please remove any other variation of my name. My current and only employer is XXXX please remove all others. My current and only address is XXXX XXXX XXXX, XXXX, PA XXXX the following addresses are not mine please delete them they are not accurate. 

XXXX XXXX  XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Consumer complaint received 2019-09-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (FL)

I recently disputed a charge with PayPal and encountered a few issues with their process. The primary issue is they denied the claim and I take it just simply to appease the merchant since merchant business is most likely more important to them than individual accounts! The other issue ( 2 ) is they provided no explanation and I could not see the sellers response ... Third, ( 3 ), the process started a bit deceiving, I had already tried to work the issue out with the seller but they stopped responding ... I filed the claim with PayPal not expecting them to simply open that dialog back up, it was a waste of time as their position was very clear. 

Now the situation was that had printing done, a tri-fold brochure printed and nothing more fundamental to such a thing than that the folds are correct, which they were not and not even close. I provided first the seller a picture and then PayPal and most anyone should be able to see the folds were not correct. The bottom line is a brochure is a representation of a business and you can't have something so obviously wrong with something that is representative of your business. The worst part is that it could have been easily identified if the seller was at least a little concerned with quality ... I offered that they could have the items returned to them which they refused ... It was just shoddy workmanship and consumers use services like PayPal to protect themselves against this precise situation.
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (CA)

after disputing a late credit card payment with Citi Bank they denied my claim and retaliated by reporting an increase the balanced owed sabotaging my credit score.

Efforts to several reps were futile.
Consumer complaint received 2018-11-21
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (KS)

I consolidated my loans into direct loans this summer. Then after I found out the payments from my bank were going to the wrong address I canceled the auto payments from my bank. Navient received the payments and deducted the money from my bank account via the checks that I sent them from my bank. One check of {$150.00} on XX/XX/18 and another on XX/XX/18 for the same amount. I double checked my bank account and the funds were withdrawn. Once Navient got the payments, they reversed the payments of - {$150.00} on both payments. I still have not seen the checks in the mail or the money returned in my bank account. 
I have called them 3-4 times in the last 2 months and also sent them an electronic message which they replied to on XXXX XX/XX/2018 and said their customer service is looking into it. 
I used the phone number XXXX. 
I called XX/XX/2018 at XXXX XX/XX/XXXX at XXXX, XXXX and XXXX I called again XX/XX/XXXX at  XXXX XX/XX/XXXX at XXXX Each time they told me to either wait or that someone is looking into it. 
I'm still waiting on the {$300.00} refund.
Consumer complaint received 2023-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: RFNA, LP (SC)

Company is reporting incorrect information stating 30 days late when its not. 

I make pay more on my loan that was asked. I did also pay two months in advance. I paid off one plane with them and did another under same terms Account Number : XXXX. 

Shortly after - Called to get due date changed due to job unemployment. Which they stated if cant make payment let us know. However, republic finance company did not and stated there is nothing they can do to Change the date. Ive consistently made extra payments which is either not being applied to the principal or the next month. 

I called manager who was rude to explain, However, he just kep stating that Ive been late.. As for proof of payment history and why wasnt extra money paid in previous months applied to next month or principal.. Also asked for lower Interest rate and they said no. Company does not want a payoff and consistently reporting incorrect information to my credit report
Consumer complaint received 2022-07-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC (CA)

1. XX/XX/XXXX (? ) XXXX, finished moving out with board member XXXX XXXX 's help. She took photos for me and cleaned the windows, noting the worn out but not broken by me equipment. I shampooed the carpets last. Perfectly clean, no damage. Put unwanted mattress out front exactly like move out instructions. There was no damage, and I was paid up. 
2. No bill sent to me ever. CA law demands in 1950.5g1 that the bill be sent in 21 days, let alone bill before going to collections. My first knowledge, and later confirmed their first contact, was to send it to collections without billing me. Per CA law, they had to bill me immediately so I could challenge the bill. They did not, so there is no bill per California law. Even without that law, this can't have gone straight to collections.

3. Many months later, learning that my credit was destroyed, I contacted XXXX XXXX, my renter 's insurance I maintained the entire time. Adjuster is XXXX XXXX - XXXX XXXX. She contacted XXXX XXXX and RDAC and for a bill, and they gave a loose summary, of half the original amount. She asked for a bill she can actually pay. She then asked me if XXXX should pay it, and as it would have been paid after being in collections some time and not go off my record, I told her not to so it wouldn't stay on my record as paid after months in collections. 
4. Asked by RDAC, XXXX, and whoever, the local manager refused to correct my file, on repeated contact for months ... She refuses, even though I have evidence against her. It would take thousands to go to court for {$750.00}, so she is intentionally ruining my credit and ability to move to any rental ever. {$750.00} for destroying the place keeps me from renting anywhere ever.

5. Recently finding that my credit rating is still destroyed even though I disputed this on credit reports, I disputed this and XXXX already came back saying it stays on my file. Per XXXX, you are the next agency to contact.
Consumer complaint received 2022-07-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION (FL)

Truist bank decided to close my bank account I had funds remaining in the account When I went to the bank to figure out what was going on all I was told is that truist decided to end a banking relationship with me I would like to restore this banking relationship as soon as possible As a police officer I need to bank with the closest bank thats to my house which is Truist So I would like to restore this banking relationship as soon as possible
Consumer complaint received 2023-03-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-10-07
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: Exeter Finance, LLC. (GA)

I am writing to dispute the following information in my file. My credit report showed credit inquiries that I don't recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file. Please remove this inquiry from my credit report. 
XXXX XXXX : XX/XX/2018