davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (AR)

I made an online payment using PayPal to a company who turned out to be a scam. I made a case with PayPal who then resolved the case in my favor. Due to me also initiating a case with XXXX because of PayPals business hours PayPal debited my PayPal account {$88.00} quoting a double refund. 

When I found out that PayPal has resolved the case, I cancelled the charge back with XXXX. Therefore, XXXX reverted the secondary refund that PayPal was referencing. I reach out to PayPal and they tell me to reach out to XXXX. However, on XXXX  end it shows the refund that PayPal submitted and the reversal of the refund that XXXX had initially provided prior to the case being closed. 

Paypal debited my PayPal account and is quoting a secondary refund that was reversed. Making it to where I am still - {$88.00} on a case that they claim to have resolved to my favor.
Consumer complaint received 2021-05-02
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (VA)

On XX/XX/XXXX I was told if I opened a XXXX credit card that I could get a XXXXmonth no finance charge promotion plan on a purchase for XXXX, so I opened the credit card. On XX/XX/XXXX I called Comenity bank and spoke to an agent and requested auto-pay for 12 payments to be paid off by the promotion expiration date. 
My XXXX statement showed the final payment for XX/XX/XXXX was never made and the accrued finance charges of XXXX and a late fee of XXXX were charged and the balance of XXXX. I called Comenity Bank to find out why the last payment was not made and why the charges were assessed. I spoke to an agent, which then escalated the call to another agent. I told the agent that the account was supposed to be set-up for 12 auto-pays by the agent on XX/XX/XXXX. She then put me on a brief hold, then returned to the call and said she would take off the finance fees and late fees and I only owed the balance of XXXX, which she then took the payment from me over the phone. 
On XX/XX/XXXX I received a credit alert that my credit score fell from XXXX to XXXX because Comenity Bank reported late payments. I made a written dispute and they said because the statements explained the promotional balance was due by XX/XX/XXXX and it was not paid by then I owe the money. I am being charged monthly finance charges on a finance charge. 
I feel this was a scam by the company. Have customer open up credit card with promo plan. Only set-up customer up for 11 equal auto-pays, not 12. So when the 12 payment is not made, they are charged the accrued XXXXmonth interest at 29.99 %. The dispute letter states they did an investigation but they are taking no responsibility for their agents actions on both phone calls I made to Comenity Bank.
Consumer complaint received 2024-02-26
Product: Credit reporting 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. (MI)

I have the following hard inquiries that I don't recognize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SN SERVICING CORPORATION (NY)

This complaint is the result of an ongoing issue with the servicer of my mortgage. After making several requests for a QWR in an attempt to get the name and contact information for the holder of the note, SN Servicing Corporation refuses to provide the information. They are in direct violation of federal law for refusing to disclose the name and contact information of the company who holds my note. They have also refused to provide the contact information for the note holders legal representation, attorney XXXX XXXX. XXXX XXXX, in his response to my previous complaint, also did not leave any contact information for either himself or the holder of the note.
Consumer complaint received 2021-05-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (TX)

XXXX XXXX XXXX in XXXX, Texas has tried to balance bill an amount not in the contract with XXXX XXXX. They have sent the bill to multiple collection agencies though the insurance has told them the collection is not in the contract and is not billable. I have had to spend time with the collection agencies and XXXX XXXX XXXX XXXX XXXX repeatedly and the hospital is still trying to collect a fraudulent debt.
Consumer complaint received 2021-02-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (NC)

Sun Trust in the forbearance process has incorrectly calculated the principal balance of my loan. I am about to sell my house so I will lose this amount from the proceeds. Sun Trust has increased what was shown as a principal of {$290000.00} to {$290000.00}. They have been unresponsive, and they have been unwilling to fix the problem.
Consumer complaint received 2021-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Concerning the mortgage loan account of XXXX and XXXX XXXX loan : XXXX For maybe over an year since our mortgage loan was Service transferred from XXXX XXXX to XXXX XXXX  XXXX, I have been going back and forth with XXXX XXXX about radical and ongoing changes that were going on with our credit bureau accounts on all four of the credit bureaus ( XXXX, Transunion, XXXX, XXXX ). Recently we discovered that the many ongoing changes were not the work or came from XXXX XXXX. And based on what we both ( Myself/XXXX XXXX ) had concluded, one of the changes were being done from the one of the credit bureaus that I previously listed. For instance, attached is a screenshot from our XXXX  XXXX XXXX mortgage account. That screenshot shows a very different account than what is at the other three bureaus. It also shows an entire credit history being removed with other changes. This was not done by XXXX XXXX. As well, the XXXX account is only showing the current payments. These are also XXXX differences between the other bureaus as well. And for the Transunion, the score does not change regardless of payments being made. This account seems to be LOCKED at a set score, and the same applies to XXXX, but has gone up XXXX point. In correspondence with XXXX XXXX, they had indicated that they had submitted to the three credit bureaus to DELETE the accounts for both my wife and I ( see attached ). The attach document contain a section of our correspondence that I asked them to send me separately it is dated for XX/XX/XXXX. Im not surprised that the changes had not happened yet, because it turns out there are so many other request they have made over the year that were not honored. On the accounts there are statements or other things that were added to the accounts that were not there when it initially transferred over. Where XXXX XXXX had been requesting to have the account corrected to show Service Transferred it has been showing Transferred to another office that plus some other changes they have submitted request for update and that I should be able to see the update after 5 days. Being hard to believe, this is factual of what has been going on with our credit reporting, where its clear the score have been suppressed and some of the statements on the accounts have been changed. And for more 12 months and the many request to update, it has not happened. So hopefully that attached statement from XXXX XXXX can get the accounts removed is what XXXX XXXX felt would be a better solution for us since its been impossible to get the accounts restored to what they were originally and updated as requested. And for the more than 15 years of being with XXXX XXXX, unlike anything weve been going through since the Service Transfer of XX/XX/XXXX, we have never had a complaint with XXXX XXXX or have ever had a credit bureau issue.
Consumer complaint received 2022-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Capital Accounts, LLC (VA)

Submitted claim through CFPB with claim number XXXX. Company stated in XX/XX/2022 that they would send my file back to the original creditor and remove the collection from my credit report. However it is still on my report. I would like the company to submit the removal of this collection to all three credit bureaus ( XXXX, XXXX and XXXX ).
Consumer complaint received 2021-05-27
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. (GA)

XXXX the XXXX 2021 was the 14th time I disputed ( USBK COURT XXXX FLORIDA DOCKET # XXXX and USBK COURT XXXX FLORIDA DOCKET # XXXX ) I have asked Where did they verify this information and was told, From the court, which is either a mistake or a lie because I gave a letter from the court stating they did not verify this. I also gave a letter from XXXX who does not have record of this information any longer because they found it to be unverifiable and incorrect. Transunion is not being forthcoming and telling the truth of where they are verifying this information. FCRA VIOLATION 611 & FCRA VIOLATION 623 & 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the FCRA requires consumer reporting agencies ( or CRAs ) to conduct a reasonable reinvestigation and Delete these accounts, yet TransUnion continues to claim they verify this information or respond saying they did and conduct no real investigation. CFPB is allowing them to do nothing, many times over. Check the records and you will see I have complained many times and nothing at all was done. You are allowing them to respond here and close the complaint without looking at the facts I attach and making them do as the Law requires
Consumer complaint received 2018-02-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (AZ)

I have my minimum amount due set up on automatic bill pay. I have made no purchases on this card the last 3 months yet my minimum payment due fluctuates. I was charged a {$27.00} late fee for being short {$10.00} on my XXXX statement. 

XXXX min payment due XXXX XX/XX/279 XX/XX/276 XXXX
Consumer complaint received 2021-12-08
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. (CA)

I am XXXX XXXX and I am submitting this complaint myself. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Report : ( XXXX XXXX Inquiry Date XXXX/2020 )
Consumer complaint received 2021-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CBC Companies, Inc. (WI)

I went to innovis 's website and requested a credit report for the first time and they couldn't pull one on me but had enough info to do a fraud alert initially. I am the victim of identity theft scam and fraud and financially vulnerable. I believe I should get a exited fraud alert and a security freeze with them and copy of my credit report for free all done. I am in am also the victim of a violent assaults crime where as to there my address is confidential where as to my residence. the credit beau 's and banks and credit company 's and ssa all have to abide by that state and federal statue. and seal my residence address completely. to and redact it off any credit file or baking account.
Consumer complaint received 2023-01-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FIRSTBANK (CO)

XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX This bank charges account inactivity fees as many banks do. However, what this bank also does is disable your online access to your account when they begin charging your fees. I've now been on the phone over XXXX XXXX trying to reenable this account so I can transfer my funds out. 

This practice seems as if its goal is to ensure it is as difficult as possible for people to : XXXX. Notice that their account is getting inactivity fees XXXX. Withdrawal funds from their inactive account, ensuring the bank maintains control over the funds and can gain from the inactivity fees. 

It is predatory.
Consumer complaint received 2019-03-12
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (PA)

XXXX XXXX does not offer auto pay for its XXXX XXXX XXXX, XXXX, XXXX or XXXX credit cards and it is predatory towards new mothers and other customers who have other distractions. 

I normally pay all of my credit cards on time but since having my baby in XX/XX/2018 I have been late many times on these cards- not because of payment issues but because I simply forget and you can only schedule future payments one month out manually.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I attempted on XX/XX/XXXX to make XXXX payment Due to the incompetence of the employee I was unable to pay the entire amount because I was XXXX $ short in one account and need to split into XXXX and XXXX the XXXX was processed but the employee did not know how to take the XXXX $ so she told me to call back the next day to pay but no one would answer for the next week and I finally emailed the company to have someone call me! Eventually after XXXX I was able to get someone and they processed that payment and took an advance on the XXXX payment. I called twice in XXXX and finally determined that they had tried to debit the wrong account. But was then fixed. All of this is recorded and commented on by their employees especially XXXX and XXXX, they took off late fees and said it was all taken care off. I sent concerns to inquiry @ XXXX XXXX. They reported me late and dropped my credit score to XXXX from XXXX so I am devastated. I sent all info and asked for an investigation, they said they were justified. They couldnt have read the comments and come to that conclusion.please investigate this. I dont believe I can ever recover from this.
Consumer complaint received 2019-03-12
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

XXXX  ; Experian and XXXX are reporting me as 30 to 60 days late on the XXXX XXXX account number XXXX and XXXX. This account reflects a {$0.00} balance and {$0.00} past due. This inaccurate reporting is harming my credit score. I have disputed this directly with the three bureaus but the error has not been corrected. It is impossible to be late on payments to an account that has a {$0.00} balance and {$0.00} past due amounts.
Consumer complaint received 2019-03-12
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX ; XXXX and Transunion are reporting me as 30 to 60 days late on the XXXX XXXX account number XXXX and XXXX. This account reflects a {$0.00} balance and {$0.00} past due. This inaccurate reporting is harming my credit score. I have disputed this directly with the three bureaus but the error has not been corrected. It is impossible to be late on payments to an account that has a {$0.00} balance and {$0.00} past due amounts.
Consumer complaint received 2021-10-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (FL)

I have tried multiple times to have this collection removed from my account as it has been settled and paid with the creditor. 

Under the FCRA Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

This is inaccurate reporting and thus needs to be removed from all credit reporting agencies, XXXX, XXXX and XXXX
Consumer complaint received 2019-08-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.Q. DATA INTERNATIONAL, INC. (CA)

I moved out of the XXXX XXXX managed by XXXX XXXX in XXXX, CA on XX/XX/XXXX. On or about XX/XX/2019 I  RECEIVED a bill in the mail for amount owed for repairs. My deposit did not cover all the costs of the repairs and I owed XXXX. It said I had to pay with a cashier's check. On XX/XX/2019 I got the cashier's check and attempted to pay The XXXX but the office was closed in the middle of the day. I returned XX/XX/2019 AND PAID THE BILL. The office manager gave me a copy of the check with her signature on it when I asked for a receipt. On XX/XX/2019 I got a call from IQ Data Inc stating I was in collections for this bill and I still owed. XXXX/XXXX and IQ Data are attempting to collect money from me for a bill I already paid.
Consumer complaint received 2019-03-12
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. (GA)

Equifax has continued to refuse to block fraudulent accounts from effecting my credit score, while the bank has complied, equifax continues to fail to correct and is currently damaging my credit. At this point, I have to consider that Equifax may be doing this intentionaly due to repetition of this event.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Per the fcra as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given u written unwritten verbal and non verbal per 15 USC 6802.

Upload to cfpb have u tried to remove : yes For inquiries use 15 USC 1681 permissible purposes : 16 cfr 313 privacy of consumer information.
Consumer complaint received 2020-11-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (IL)

My mortgage loan was in a default and I received a forbearance plan due to COVID-19. I have informed them that I had contract the virus and they did suspend payment. However, I was unable to return to work and is no longer with the company which gave the opportunity to pull down my 401k money. So, on XX/XX/XXXX the funds in the amount of {$180000.00} was bank wired to account XXXX XXXX XXXX XXXX per payoff instructions. 

As, of today XX/XX/XXXX they are not showing my loan payoff of payment received. I have called daily and provided proof of wire completed on XX/XX/XXXX to research dept. In calling in on today I was told that they see I have been calling but process has not began for resolution of this issue. I am so afraid that they are scamming me. They are asking me to send information again now by email. This does make sense to me. 

I really need help in getting this issue resolve immediately. 

The mortgage company/ servicer PHH Mortgage gmla # XXXX nils # XXXX XXXX XXXX XXXX # XXXX. address XXXX XXXX XXXX XXXX , IL XXXX XXXX. XXXX cell
Consumer complaint received 2018-03-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX : Original Creditor NameXXXX  XXXX To Whom It May Concern : This letter is regarding account # XXXX XXXX, which you claim i owe you. 
This is a formal notice that your claim is disputed. I have tried contacting your company and the address provided is a incorrect address. i am attaching the return mail to prove that this is inaccurate and false reporting on my credit. please remove thin incorrect inquiry as soon as possible as this is hurting me to obtain credit. i really hope we can remedy this as soon as possible. im keeping careful records of all communication with your company. depending on your response i will file a small claim court in my local county were you will have to attend. i have proof this is an identify fraud as my identity was stolen and i filed a police report. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.

Please also be aware that any negative mark found on my credit reports ( including XXXX XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 
My contact information is as follows : XXXX XXXX XXXX