davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

I have been getting phone calls since XX/XX/XXXX and they have also been calling my family members. I called them today on XX/XX/year> and was prepared to pay it. It was allegedly from a XXXX XXXX, I don't know how many years ago. 

When I talked to them, they said that my amount owed was roughly twice the amount that was originally owed. This is due to a court case that was filed and won by them and so they are charging court and attorney 's fees. I actually told them that I would pay it and I set a planned payment dat to be completed by XX/XX/XXXX. So I have the address, envelope, and money order ready to pay the debt in whole. 

I just asked them to send me a bill of the amount and then I will send it but they said that they would not be able to mail it to me and only be able to email it. I told them that I would only reveal my name, phone number, and address but would not give them any other information. In response they said that they would send me a copy of my promise to pay the amount. 

When I looked them up online though, I noticed some suspicious posts/blogs that warned about this business Portfolio Recovery Associates LLC XXXX They wanted me to send the amount of {$2100.00} to XXXX XXXX XXXX, XXXX XXXX  XXXX. 

An additional thing that leads me to believe that this is a scam is that they are very aggresive and threaten to come after me and that this case has already been decided against me. I never recieved notice of the lawsuit and this debt or the original XXXX debt that I had are on my credit report Thank you
Consumer complaint received 2024-09-16
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (RI)

I believe I have been wrongfully charged {$2100.00} ( to date ) in interest on a credit card and would like to request an investigation that will hopfully result in Alphaon Credit issuing a refund for the interest charge. As context, I signed up for a 12 months deferred interest payment loan with Alphaeon Credit on XX/XX/XXXX for a total amount of {$10000.00}. On XX/XX/XXXX I made the first payment for {$850.00} and also set up auto pay for XXXX equal monthly payments of {$840.00}. The first auto-payment was scheduled to be pulled on XX/XX/XXXX and subsequently, on the XXXX of every month. I did this with clear intent to repay the loan in full by XX/XX/XXXX ( coinciding with the end of the deferment period ) so that I would not accrue the 29 % interest charge. To my surprise, I received a bill with a statement closing date of XX/XX/XXXX and due on XX/XX/XXXX showing that I not only owed a balance on the account but that they added a {$2100.00} interest charge. After 6 phone calls with agents from both Alphaeon Credit customer service and agents at Comenity Bank ( which owns Alphaeon ), I discovered that the reason my account was not paid in full by XX/XX/XXXX is because they did not pull the auto-payment that was set up for XX/XX/XXXX, unbeknownst to me. Because they neglected to pull that payment, by XX/XX/XXXX their records showed that I had only made XXXX payments and since my account was not paid in full per their records, they assessed the interest charge. After pleading with several agents and supervisors and even telling them that I am currently unemployed, I was told that despite the fact that I set everything up correctly, there was nothing they could do and that they would not waive or refund the interest charge. Because I want to avoid any further interest charges, I will have to take a personal loan to pay this credit card interest charge. However, I do not feel it is valid ( given they did not pull the funds ) and I feel that it is an intentional way to make interest off of unassuming customers. I'd like to humbly request that CFPB investigates this issue with the aim of getting Alphaeon to issue a refund for the {$2100.00} that I'll be paying in interest on this account. Thank you.
Consumer complaint received 2020-06-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (TX)

I am the owner and manager of a rental single family house. I had to quickly repair a water leak in the wall that caused the two bathrooms unusable. My mortgage company, BSI Financial Services, is holding over {$11000.00} paid by my insurance company. I filled out all required forms providing proof of payment to my plumber and contractor. 
The company promised to send my insurance money to reimburse me, but never follows through. This has been on going since early this year. One of their issues deals with an inspection, which can not be done due to an elderly tenant who is very susceptible to contracting Covid-19. The inspector told me that he would not enter the house due to potential liability. 

The last time I called their Property Loss Department I was told that the department was moved and requested that I fill out all forms again. 
Please help me
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

i have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact XXXX, XXXX and Equifax through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation
Consumer complaint received 2021-06-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (AZ)

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2022-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NV)

I have been trying to get this removed from my credit report. i never received a loan deposit from XXXX in XX/XX/2021. I have tried to call to have it removed and they have not removed it. i have attached bank statement
Consumer complaint received 2019-03-18
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CA)

In XXXX, my wife and I went to a Realtor named XXXX XXXX in XXXX Ca., they told us we were getting a loan agreement with a fixed interest rate, it ended up being an ARM, it is still going up today, this was and is a XXXX  loan through XXXX XXXX {$1500.00} to {$2600.00} today. 
My wife died in XXXX and then the recession hit in XXXX. I need a new loan with fixed interest rate. 
Ocwen has my loan now. 
Additionally there is a balloon payment of {$94000.00} due on XXXX.
Consumer complaint received 2019-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SANTANDER BANK, NATIONAL ASSOCIATION (DE)

In XX/XX/XXXX I opened a personal loan with Santander, which was due on the XXXX of every month. In XX/XX/XXXX I missed my payment due date, as I was tied up on business travel. In ealry XXXX I called to make my payment ( forXX/XX/XXXX ) and was told after the payment was made that I would not be derogatoraly reported by the agent who took my payment. In XX/XX/XXXX I received verification that Santander did indeed report me 30 days past due. Ive been fighting them ever sense.
Consumer complaint received 2022-08-17
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with overdraft — Overdraft charges
Company: Comerica (MI)

Last month I had the fraud case and got help for it with your company then the direct express card put a payment on it and didn't explain what was going on. 
Then yesterday XX/XX/2022 I got a overdraft fee of XXXX and they took my money I had left on my card XXXX and so I called them and they said that they closed the investigation that day and that's why I was charged the money. Then today I called them back to get more information about it. The lady XXXX told me that I need to pay them back for the money they put on my card and that I don't have any other choice. 
I live on a strict budget for the month I can't even live on what I get with out help I got a lot of bills I can just pay that kind of money in one go they are the ones that made the mistake on my card and now they want me to pay for it.
Consumer complaint received 2018-02-21
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: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I have provided XXXX with a hard copy of an error that Bank of America agreed to correct. The states that I do not have any XXXX late payments on my account. The XXXX late payment is reported on my XXXX account for XX/XX/XXXX. I have furnished XXXX with written proof and they refuse to correct my credit report, this is causing me to not get approved for future credit. XXXX XXXX XXXX  have corrected this error, but XXXX refuse to do so. 

XXXX XXXX Account Dispute Opened We have opened your Account Dispute The dispute for the account with BK OF AMER that starts with XXXX has been received and should be completed by XX/XX/XXXX. We will process the items that you questioned with the furnisher of the information or vendor that collected the information from a public record. Youll receive an alert when updates are available and when your full results of your dispute are ready to view. 

ALERT DETAILS Febuary XXXX Account Dispute Modified Your original Dispute was Modified The dispute for the account with BK OF AMER that starts with XXXX was modified by an XXXX Disputes XXXX. If you have provided relevant supporting documentation, you will be notified when a new dispute is opened in light of the additional information you provided. 

ALERT DETAILS XX/XX/XXXX Account Dispute Update We have an update about your Account Dispute The dispute for the account with BK OF AMER that starts with XXXX was not changed as a result of our processing of your dispute. The company that reported the information has certified to Experian that the information is accurate. We will notify you when all of your pending disputes have been completed and the full results are ready to view. Review your latest Credit Report to help ensure the information on your Report is accurate. 

XX/XX/XXXX Account Dispute Opened We have opened your Account Dispute The dispute for the account with BK OF AMER that starts with XXXX has been received and should be completed by XX/XX/XXXX. We will process the items that you questioned with the furnisher of the information or vendor that collected the information from a public record. Youll receive an alert when updates are available and when your full results of your dispute are ready to view.
Consumer complaint received 2020-01-28
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. (NY)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2018-02-21
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

Portfolio they made an agreement to settle my account yet they are still holding a balance on my credit report I've deputed the charge yet they report late charge off charges I've sent the credit bureaus copy of money order and proof of settlement payment yet it's still reported on my credit report
Consumer complaint received 2022-11-19
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. (WI)

I sent a letter on XX/XX/22 to XXXX and TransUnion to remove erroneous accounts that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) XXXX and TransUnion are required to remove any accounts or information not later than XXXX business days after the date of receipt. Ive already included this in my previous Complaint # XXXX and XXXX & I am including it again., XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$530.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$850.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$530.00} ; XXXX XXXX XXXX XXXX  XXXX  XXXX Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$380.00}
Consumer complaint received 2020-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have sent a number of letters to disput these items and Ive also asked for fraud alert to be placed on all three credit bureaus. I have filled out paperwork and sent to both the credit bureaus and the credit card companys explaining that these accounts are not mine and I cant seem to get any help with getting these accounts removed. Ive even offered to pay the accounts to be removed and no response from the credit card companies or the bureaus after 55 days from the first letters being sent. I have also asked for proof ( methods of verification ) to be sent to me after getting updates that the accounts were verified. No response to those request only one very unprofessional email from XXXX  and nothing from TransUnion or XXXX about these accounts.
Consumer complaint received 2019-03-18
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: Bliksum, LLC (AZ)

On XX/XX/2019, I inquired about a temporary personal loan of {$2000.00} through a company called XXXX XXXX. When speaking with them, it was determined that they were unable to offer me the loan without vehicle collateral, but they offered to transfer me to a partner of theirs, LoanMe, who offers non-collateral loans. I agreed, and was transferred to LoanMe. 

When speaking with the loan agent at LoanMe, he asked me a series of questions pertaining to my income, residency, and occupation, then had to transfer me to a disclosure recording ( this is not atypical for banks, so it raised no concern ). Prior to transferring me to the disclosure, the agent never confirmed or discussed the amount I was attempting to borrow. He then came back on the line after I was done with the disclosure, and informed me that he'd already ran my credit and it was denied. When I inquired about the amount he ran the loan for, XXXX informed me that he went with the minimum amount they offer in Arizona 0 {$10000.00} at a 98 % interest rate! 

I was under the impression that when I was transferred to LoanMe, they already had the amount of {$2000.00} that I was seeking. Had I been properly informed of this information, I would have NEVER authorized them to run my credit. When I informed him of this, he said simply that he understands, but the loan was declined. I asked to speak with a supervisor to see about how to get this credit inquiry off my record and XXXX simply told me that there are no supervisors. I was disconnected twice, and had to call him back directly at ( XXXX ) XXXX, where I was disconnected again. After calling back a second time, XXXX transferred me to customer service, who said I needed to speak with a loan agent.
Consumer complaint received 2020-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NJ)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorize on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.
Consumer complaint received 2018-02-21
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: EQUIFAX, INC. (MI)

This company is reporting 2 inquiries on my report that are inaccurate. These inquiries are hurting my credit score and hurting my ability to get the credit lines I should.. The Fair Credit Reporting Act indicated that all information on my report must be accurate, verified and deleted if inaccurate. The following items need to be deleted as well as my reason for the deletion. 

XXXX XXXX -- -- XXXX XXXX -- -- NO account and not a permissible purpose. 
XXXX XXXX -- -- XX/XX/XXXX -- -- I do not recognize this as an account. 

Please assist me in getting these items verified and ultimately removed!
Consumer complaint received 2022-05-02
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: EQUIFAX, INC. (TX)

XXXX, XXXX AND EQUIFAX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX XXXX : XXXX -- -> : {$6000.00} XXXX XXXX : XXXX -- -> : {$1000.00} XXXX XXXX : XXXX -- XXXX : {$4500.00} XXXX & XXXX XXXX CO : XXXX -- > {$13000.00} XXXX XXXX XXXX XXXX : XXXX -- XXXX : {$1100.00}
Consumer complaint received 2018-03-06
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. (CA)

I received a credit alert several days ago that a hard credit inquiry had been added to my account. The inquiry is from XXXX and is date XX/XX/2018. I did not authorize this credit inquiry, and I don't not currently, nor have I ever had, a XXXX account. 

I have had several other fraudulent credit checks on my account over the last month, and I have issued a fraud alert on my credit, which was put in place prior to the date of the XXXX credit inquiry. 

I have attempted to contact XXXX customer support several times to notify them of the fraudulent credit check. My concern is that someone has used my personal information to open an account with them. All of my interactions with XXXX customer support have been unproductive. I have been told each time that they are unable to remove the unauthorized credit check, and have not given me any information or different point of contact to for how to remove the inquiry.
Consumer complaint received 2021-02-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A. (PA)

On XX/XX/2020 PNC charged me an NSF fee, after illegally returning a check that cleared and posted to my account on XX/XX/2020, and further misrepresented the way their product Virtual Wallet works. 

Please see attached documents
Consumer complaint received 2021-02-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIZENS FINANCIAL GROUP, INC. (WI)

I received a statement saying that the bank citizens one did not receive my XXXX $ Monthly payment for the month of XXXX. I never even opened an account with this bank
Consumer complaint received 2019-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

filed an complaint with CFPB in XX/XX/XXXX, Complaint # XXXX against XXXX XXXX XXXX, On XX/XX/XXXX I received an response from XXXX XXXX XXXX via CFPB, stating that all three credit companies would be updated to " Paid in full '' and never late. I applied for a credit card today and learn that their is still a charge off on my credit reporting from XXXX XXXX XXXX. I had spoken to a manager with XXXX XXXX XXXX in XXXX and made them aware that the information had not been removed for my credit and was informed that it was removed. I spoke with XXXX today XX/XX/XXXX and was informed that the charge off is still reporting and an additional inquiry was added to my credit from XXXX XXXX XXXX, which they were not authorize to place an inquiry on my credit. 

I have attached a copy of the first and second response from XXXX XXXX XXXX