davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I am filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) against Portfolio Recovery Associates LLC due to their failure to respond to my dispute. 

On XXXX, I mailed a dispute letter to Portfolio Recovery Associates LLC via USPS with tracking number XXXX XXXX XXXX XXXX XXXX XXXX. The letter was successfully delivered on XX/XX/XXXX. However, despite the confirmation of delivery, I have not received any response from Portfolio Recovery Associates LLC regarding my dispute. 

As per the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), debt collectors such as Portfolio Recovery Associates LLC are required to investigate consumer disputes within 30 days and provide a response. Portfolio Recovery Associates LLC 's failure to respond to my dispute within the mandated timeframe constitutes a violation of both the FCRA and FDCPA.
Consumer complaint received 2024-01-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (GA)

I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.
Consumer complaint received 2021-03-26
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX, I reported suspected fraudulent activity in the form of a monthly transfer of about {$200.00} to {$300.00}, by a former roommate. The email, phone number and security question associated with the account might have been changed as well, precluding me from giving the proper responses. I have been handled and treated as if I were the fraudster. I've offered to send copies of my identification but instead was asked to contact CA EDD to obtain a benefits assessment letter ( I presume verification letter ). It took me nearly a week to get a hold of a live rep at EDD, who informed me no such thing existed and further EDD did not write letters upon request to anyone not even our financial services provider. On XX/XX/XXXX I contacted BofA a second time and was advised to contact EDD to gain access to my funds. EDD informed me that no ability to accomplish this and I would need to ask BofA. Today, XX/XX/XXXX, I phoned BofA a third time and was told I needed to contact EDD and ask them to somehow arrange the release of funds that BofA had frozen. When I asked who was the federal or state regulator of BofA the rep pretended to misunderstand the question at first. Upon being pressed she pretended not to understand the concept of a bank regulator. Eventually she offered the name, XXXX XXXX ( BofA Chairman ), as regulator. I asked repeatedly if the bank was regulated by the Office of the Comptroller of the Currency or the FDIC. I was then directed towards The Fed ( which I know is not an ngo ). I am unable to access approx {$1300.00} which I need to pay past due rent. This was the 3rd transfer ( and 45 min of holding ) and may have been the Risk Dept. After the second call the account moved from frozen to closed.
Consumer complaint received 2024-03-07
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA (DC)

On Saturday XX/XX/year>, the payment of my outstanding balance of {$3800.00} for my Apple credit card unfortunately failed to go through. On the same day I received a notification that I had an interest charge of {$86.00} on the credit card due to this event ( I never had an interest charge with them or other credit card before ). 
Immediately afterwards, I paid my outstanding balance in full, which included the latest transactions after the closing of my previous statement for a total of {$7800.00}, which was debited without any problem from my bank on XX/XX/year>. That is, it took only 2 days for me to pay in full my outstanding balance with my Apple credit card. 
If I calculate my daily APR, with the information from my credit card, I get that this would be ( XXXX ) XXXX. If I apply this daily APR to my outstanding balance of {$7800.00} for 2 days ( until my payment went through ), the charge would be {$3.00} ( instead of {$86.00} ). 
I requested an explanation to the Apple card customer service for this difference asking for how many days my APR was charged and on which amount to get to the {$86.00}, but nobody has provided that information. I indicated that it is my right as a consumer to understand why I am charged that specific amount, but without any luck so far. I honestly believe that this is basic information and that consumers should have the right to get it directly from from any credit card issuer.
Consumer complaint received 2022-08-09
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. (CA)

TransUnion Consumer Solutions, XXXX XXXX XXXX, XXXX, PA XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX XXXX 
XXXX, XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/XXXX RE : Social Security Number : XXXX To Whom It May Concern, This letter is a follow up to my original letter dated ( insert date of original letter ) regarding an inaccuracy in your credit reporting. Specifically as it relates to credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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.

I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX
Consumer complaint received 2024-03-07
Product: Credit 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: CITIBANK, N.A. (MI)

On my XXXX XXXX Citi card statement there where XXXX charges for {$1000.00} and XXXX charges for {$2000.00} that I did not authorize. XXXX statement attached. I disputed these charges and they were subtracted from my XXXX statement. XXXX statement attached. 
XXXX of these charges were added back on my XXXX statement. I disputed these charges again but this time Citi card said they have received evidence that they chares were ligament. I once again disputed these charges. All I received from Citi card were the XXXX letters ( attached ) claiming " The merchant provided documentation confirming this is a valid charge. '' However, there was no detailed documentation provided. I once again disputed these charges. It has been approximately a month with no reply from Citi Card regarding these charges and they are still on my monthly statement plus interest because I have not paid these specific amounts. It just doesn't make since that all the other similar amounts were found to be fraudulent and these were not.
Consumer complaint received 2021-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OneMain Finance Corporation (MS)

I took out a Personal loan installment loan with a fixed interest rate from One Main Financial. I borrowed an amount that allowed me to pay it off with monthly payments over a scheduled period of time. I paid the money off early to avoid added interest. I was informed that there would be no penalty for paying the account off early. 

My problems and why I feel I am being penalized for paying my account off early. On XX/XX/2021 i received notification via XXXX XXXX and XXXX  app that I had a closed account. When I checked the notification it had One Main Financial as the account that was closed. It also showed where this action dropped my credit lower or made my credit score go down. This is not right. it should have been reported as a Paid loan account. It does not even say Paid and closed. It just says closed. I called the local One Main Branch Office and reported this and they claim they can not do anything about my credit score going down. I was never late on a payment and I paid the account off before the scheduled date. I should get points added to my credit not taken away. I am requesting that this practice be looked into. I feel that I am being discriminated against or retaliated against because I paid this account off early. I should not get a reduced score on my credit report for paying every month on time and paying off an account early.
Consumer complaint received 2024-03-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (MO)

I have yet to receive an interest subsidy for my interest still accruing on my SAVE plan. Nelnet hasnt provided any insight as to when this will happen just that it will happen retroactively. I need to know a date or timeframe that isnt so obscure. I also need to know how often and how regularly this subsidy will be applied as my interest continues to grow on my account.
Consumer complaint received 2022-06-09
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: EQUIFAX, INC. (MS)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  Account # 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 agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-01-25
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I recently pulled my credit report and discovered a number of inaccurate items. Over 60 days later I haven't heard anything back from each bureau. I feel like Im being taking advantage of. These items are causing me a great deal of grief because they are harming my score. During this difficult time for my family I don't need anything hindering me financially. I also made the bureaus aware I was affected by the XX/XX/XXXX data breach which Im just now finding out about and Im afraid my information has got into the wrong hands.
Consumer complaint received 2024-03-07
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (MI)

As of XXXX i had a XXXXXXXX XXXX in which I was charged almost XXXX dollars the engine caught on got repoed once it was towed they sold the sell which made me responsible for remainder of balance the car was a lemon from jump the car barely made it a year I didnt understand what I was signing when I purchased the car I put down XXXX and the note was XXXX a month now Im being garnished for the rest of my life
Consumer complaint received 2015-10-27
Product: Prepaid card — Payroll card
Issue: Fraud or scam — 
Company: Empowerment Ventures, LLC (FL)

I have been unable to have access to my funds for about two weeks. the online banking statement is stating that i have a negative balance of {$1400.00}. How is this even possible and it is a prepaid card. Rushcard is a very crooked company. I have called for two weeks and the phone continuously hangs up on me.
Consumer complaint received 2017-01-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (RI)

My mortgage company, Caliber Home Loans , Inc., has given me a difficult time about paying my local fire district taxes even though a portion of my mortgage payment is collected by them to pay those taxes. I 've had to spend considerable time to get these taxes paid XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The taxes are due on XXXX XXXX. In XXXX XXXX, I received a phone call from Caliber informing me that they would pay my taxes. Today, XX/XX/XXXX, I received a letter from the fire district indicating that the taxes have not been paid and that the account would soon be going to a collection agency. Caliber has been collecting money from me under false pretenses and is going to ruin my credit. This company needs to be held accountable for their actions.
Consumer complaint received 2024-03-07
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Brock & Scott, PLLC (FL)

Brock & Scott PLLC, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, FL XXXX, has failed to serve me in the foreclosure case and I have had to go to evidence just get records that show.my name bc they refuse. 

Brock & Scott PLLC,, has had their attorneys repeatedly lie to the courts, etc. Their attorneys also repeatedly make excuses, provide no information and/or in-accurate information for their own benefit. 

They did not even inform the mortgage company bankruptcy department I was back in bankruptcy court and not foreclosure court currently.
Consumer complaint received 2022-08-09
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. (FL)

There is information that on my consumer report that is a result of Identity theft. I did not provide written permission or instructions for that identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made based on a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX inquiry : XX/XX/XXXX XXXX XXXX inquiry : XX/XX/XXXX You required to do what I am asking and block these transactions from being reported to my consumer report within 4 Days from the date of the receipt of this notice. I look forward to your response. 
Thank you Sincerely, XXXX XXXX
Consumer complaint received 2024-03-07
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Shellpoint Partners, LLC (IA)

Me and my ex filed for bankruptcy in XXXX then were divorced the bankruptcy was discharged including the mortgage In divorce he got home, I left with nothing, he is now passed away XXXX XXXX and last year before he passed the collection servicing agency reported to all my credit bureaus the mortgage after XXXX years later Is this legal My ex was late on his mortgage I guess due to health reasons, that was unknown to me And it was never on my credit ever when we were married and it shows up after he was late on payments and then passed away Now they are coming after me XXXX years later When he got everything in the divorce and we both filed bankrupt and it was all discharged In XXXX This has ruined my credit and cost me to loose XXXX credit revolving accounts that I had paid off in full and the creditor closed those account because That collections put that late mortgage on my credit when it was dismissed over XXXX years ago
Consumer complaint received 2024-03-07
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: MARINER FINANCE, LLC (OH)

I took out a personal loan with this company and I didn't know that this was a predatory loan. On {$1000.00} loan I will be paying back XXXX in loan with their interest rate.
Consumer complaint received 2024-03-07
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BARCLAYS BANK DELAWARE (CT)

I have been making payments to my credit card and now they just lowered my credit limit when I made a big payment. They are purposely hurting me on my credit report and personally when I have been good customer for many years. I want them to give me back my credit limit Ive had for years as Im paying down my balance.
Consumer complaint received 2020-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I HAVE A CREDIT CARD BALANCE WITH BANK OF AMERICA AT TWO DIFFERENT INTEREST RATES EACH MONTH I PAY OVER THE MINIMUM DUE PAYMENT. I THOUGHT THAT THE AMOUNT OVER THE MINIMUM WAS SUPPOSED TO GO TO THE BALANCE WITH THE HIGH INTEREST RATE. THIS DOESN'T SEEM TO BE HAPPENING WITH THIS ACCOUNT THE BALANCE WITH THE HIGHER INTEREST RATE CONTINUES TO INCREASE WHAT WAS THE XXXX CARD BILL?
Consumer complaint received 2015-10-13
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC (TX)

From XXXX XXXX to this point XXXX XXXX XXXX the system at Rushcard has been unavailable. Causing funds to be unaccessable. They said the system would be up and running by XXXX on XXXX XXXX and it is not and there has been no update from the company. Also their customer service number disconnect all calls.
Consumer complaint received 2024-03-07
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Credit Karma (OR)

My credit bureau scores were negatively affected when Credit Kharma did numerous, unauthorized.and excessive soft and hard pulls to apply for a credit card in my name, boasting a XXXX XXXX chance I'd be approved. I'd originally authorized a number of these applications under the " XXXX XXXX '' guise but eventually realized they were fraudulently advertising. I found, after looking at my credit bureaus, that Credit Kharma had continued running my credit ( @ a rate of twice a month! ) for months on end! I have not been able to get the bureaus to remove more that a few of the inquiries, and can not reach Credit Kharma through email or fax to have them removed. I am still currently struggling to clear my credit. I have moved. Three times in three years and changed my phone # over 10 times due to spamming phone calls. I was victimized a second time as a result of this, as I missed any notifications of the lawsuit against Credit Kharma re their " XXXX XXXX '' credit card ad, and it's outcome of financial payment for victims like myself.
Consumer complaint received 2022-07-19
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: Experian Information Solutions Inc. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX EMPLOYER : XXXX XXXX XXXXXXXX Inquires : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian  Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Employer : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Employer : XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX