davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-08
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

XXXX  Capital One NA. the amount {$460.00} is appearing on my credited report. I never open up account for a card in XX/XX/2023. Never gave anyone permission to open one. They never provided any documents with my signature on it. I never Open up this account.
Consumer complaint received 2021-03-27
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: MUFG AMERICAS HOLDINGS CORPORATION (CA)

I refinanced my 9 unit building and the escrow was closed on XX/XX/XXXX. The existing lender ( XXXX XXXX, CA ) wired the principal to the previous lender ( Union Bank ). The mortgage payment was set on " AUTO PAY '' with the Union Bank and they were not to withdraw the money for the Month of XXXX. Auto Pay is due on the XXXX of the month. Union Bank withdrew the mortgage on XX/XX/XXXX. 
I called Union Bank on XX/XX/XXXX @ XXXX ; XXXX and left message to reverse the withdrawal. I also called the local Union Bank representative ( XXXX ) and left message as to what had happened and need his help to resolve the matter. XXXX returned my call and told me to see how he can help? 
SINCE THEN I HAVE NOT HEARD FROM THE UNION BANK. 
My new payment is due on XX/XX/XXXX and I am out of {$4500.00}. I need help so that I can pay my bills on time. Have the UNION Bank reverse the charges ASAP.
Consumer complaint received 2015-09-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: AFNI INC. (NY)

About three weeks ago I received a letter dated XX/XX/XXXX from AFNI debt collection. Demanding payment to XXXX. This debt had been settled through XXXX XXXX XX/XX/XXXX.So I call AFNI at XX/XX/XXXX on XX/XX/XXXX and spoke with XXXX. He said he did not want to hear anything 'just get out you credit card and pay '. He refused to give me he last name. 

After XXXX settled this debt, XXXX XXXX XXXX XXXX XXXX Demanded payment on the same debt on XXXX. I brought the matter to your attention. And XXXX XXXX, XXXX investigated and apologized. Now here comes AFNI to collect on the same debt. Please help me.
Consumer complaint received 2021-05-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (SC)

I have set up my Costco Citi Visa to take from a checking account, an auto payment of the minimum payment due if I have not paid the minimum payment by the due date. This agreement between Citi and I was made on XX/XX/XXXX after I had not received a bill in time to pay it without incurring late fees. 

Today, XX/XX/XXXX, I discovered that Citi is taking a " minimum payment due '' even though there is no minimum payment due. They told me it was what their system does when I have current charges on my account. In other words, they are taking a " minimum payment due '' from charges that are not yet due. They are taking my money when they have no right to it! 

On XX/XX/XXXX I made a payment of {$290.00} ( due XX/XX/XXXX ) leaving a balance of {$0.00}. On XX/XX/XXXX I charged {$79.00} ( due XX/XX/XXXX ) leaving a balance of {$79.00}. On XX/XX/XXXX Citi took a automatic " minimum payment due '' of {$35.00} when there was no minimum paymet due. There is no payment due until XX/XX/XXXX. 

I believe their taking {$35.00} on XX/XX/XXXX is illegal and most definitely not what I agreed to.
Consumer complaint received 2015-10-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: AFNI INC. (CO)

Hello, I have contacted AFNI ( collection company to validate a debt that is not mine, I sent this letter via certified mail in which they returned a bill from XXXX XXXX under the name XXXX XXXX, XXXX is my middle name but this debt is not mine. I requested AFNI to validate is information in which they refuse. I have disputed the information with all XXXX of the credit company 's in return they said debt has been validated. I never signed up for any XXXX account and I am being refused validation of this debt.
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Re : TransUnion Report Number # XXXX XXXX XXXX XXXX XXXX XXXX Acct # Ending XXXX I was not 30 days late in XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX ( furnisher ) Acct # ending XXXX. 

Since this account was never proven by the furnisher, please delete this late payment for inaccuracy, and update this account as paid/ never late. 

To show cause, please demand the furnisher ( XXXX XXXX XXXX  ) to show their bank statements that can prove that I was late in XX/XX/XXXX. 

Under XXXX XXXX TRANS UNION XXXX ( XXXX ). 

I look forward to your response in advance.
Consumer complaint received 2022-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Experian and XXXX show a late payment posted on XXXXXXXX XXXX. I contacted XXXXXXXX XXXX credit cards and they said I had a XXXX balance on XXXX and XXXX of XXXX. I do not understand why those two credit reporting agencies put a late payment for XXXXXXXX XXXX when I didn't even have a balance owed. 

XXXXXXXX XXXX : balance {$0.00} XXXXXXXX XXXX : balance {$0.00}
Consumer complaint received 2018-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

back in XX/XX/2014, there was a discrepancy with my BOA account. At the time I was XXXX, and not fully aware of what happened. The bank never explained to me initially what happened all they said was that I owed them about $ 200/300. They had closed my account. They said if I paid them out in full then I could just open my account again, of course, THEY LIED! it was never explained to me what XXXX was. I actually did not even know until I tried to open up another account and was denied. I was furious. They said to get my credit report talk to the XXXX   people they can remove if I did a claim, they gave me the runaround and honestly, It frustrates me writing about this 4 years later and I still can not open up any type of account. Even places that don't use XXXX. I'm not sure what type of hold they have on my SSN, but it's going to cause me to be homeless ( I'm already carless now ). It's just one more year until it's off. But I need this to be lifted immediately, I paid them in full literally as soon as this happened and no one wants to help me, I've cried, screamed, yelled, I've even just not talked at all about it, this is by FAR the most emotional thing I have ever been through it's so sad that I am trying to build my credit and there is nothing I can do, I can't get approved for anything at all. Please I just want it fixed This is my final cry for help before a breakdown
Consumer complaint received 2015-06-08
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Real Time Group, Inc. (CA)

This debt is from 2011, a loan from a check cashing company. I became permanently XXXX in 2011 and was laid off not too long after that, When I went into the XXXX, was informed they would not accept cash but illegally debited my bank account and had not given them access for EFT, I was turned over to this same agency and filed a complaint with the FTC and the case against the agency was won and the amount was supposed to been forgiven. Friday I received a phone call on my home phone asking for me, as soon as I answere yes I was told it is a attempt to collect a debt at no time did they identify themselves, when I argued with the girl on line I was transferred to a muscle guy who demanded I pay " or Else '' threatened me with legal action, when I informed him I was XXXX he said that they could seize my bank account, social security XXXX, and all my assets by that time it had escalated into a shouting match, I have received XXXX calls this morning in a row between my cellphone and home phone which was not anywhere on the original debt.
Consumer complaint received 2024-05-01
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: Exeter Finance, LLC. (OK)

i am spouse to XXXX XXXX problem with XXXX XXXX, EXETER AND XXXX XXXX XXXX  FAILING TGO HONOR THE 150 % GAP TOTAL LOSS CLAIM, CONTRACT XXXX XXXX. YOU HAVE 10 DAYS TO RESOLVE MATTER OR FACE LAWSUIT.
Consumer complaint received 2018-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (CO)

XX/XX/2018 I am complaining about Experian. This company sold me a credit reporting service promising I could cancel at any time. Well the only way to cancel is by telephone. When you call the required number they do not answer the phone. They put you on hold for 2 and 1/2 hours. Then when the promised time comes up, the phone gets disconnected so you have no way to cancel. 
Because of this I cancelled the credit card they had on file. Then Experian used there credit monitoring service to get payment from a completely different card that was not authorized to be used. Is that not illegal? To use their credit monitoring service to access a persons credit report. Use a credit card number that they are not authorized for payment and then take money!!!! This company is a a predator.
Consumer complaint received 2015-05-18
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: MRS BPO, LLC (CA)

I received my degree from University XXXX XXXX, applied for Federal Loans and worked full time. My wife was a stay at home mom and the University sold me on Private Loans that they said worked like Federal loans to supplement my income. I ended up with over XXXX in Private Loans the school should have never presented and an economy that will never return to pay them off.
Consumer complaint received 2015-12-28
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: TENET HEALTHCARE CORPORATION (TX)

I have received several letters and phone calls in the past, but they were never able to verify the debt belonged to me. I recently pulled up a copy of my credit report and it still remains on my report. If there is no verification and the information that they asked in the past does n't match, then this line item from my credit report needs to be removed promptly Central Finl Control
Consumer complaint received 2015-07-27
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Risecredit, LLC (AL)

I am currently in a financial hardship and I ca n't afford the bi-weekly payments. Even though they are getting paid, it is putting me in the negative and causing overdraft fees on my bank account. I asked to speak with someone about changing my payments. XXXX, the CSR, said, let me see what we can do. Then asked me what I was wanting. I asked him to change the payment from bi-weekly to monthly or to make the payment more manageable. My income has been reduced by {$570.00} a month. Therefore every two weeks I am going in the negative. XXXX said they ca n't change my payment from every two weeks to monthly. He said all they can do is extendd my payment due day up to 7 days. That just charges more interest. The end result is to not go in default of the loan and to have more manageable payments until my situation clears up. However, if they refuse to work with me, then I will have no choice but to default on the loan. I have been a customer of Rise since XXXX/XXXX/2014, I have had XXXX refi 's, and have paid a total of {$6000.00} in interest already from XXXX/XXXX/2014 to present day on a {$5000.00} installment loan. All I ask is for the company to work with me. It can be a win win situation if they allow it to be. Unexpected life events happen unfortunately and I have no control over that. Also, if I would of known at the beginning that the payments goes towards the interest first and then the principle, I would of never agreed to the loan.
Consumer complaint received 2024-05-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

On XX/XX/scrub> 2024 I tried to open a business checking account for my company. I received a denial for reason of security freeze by XXXX XXXX. Called XXXX XXXX to get an explanation and was told and sent a non freeze letter by the company. I have attempted XXXX times as of today and all denied even today.
Consumer complaint received 2015-10-26
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC (GA)

I was supposed to get paid on XXXX XXXX. Today is XXXX XXXX and I still have not received my direct deposit. My car was scheduled to be towed, rent never paid and several other bills due including daycare. I had to stay home from work. Rush card then cancelled my check and sent it back to my company two days before notifying me, which then took an additional five days to be mailed. Therefore I am still not paid
Consumer complaint received 2018-03-15
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: DISCOVER BANK (AR)

I WAS CONTACTED BY THIS COMPANY THAT THEY HAD A BUYER FOR MY TIMESHARE BUT I HAD TO PAY XXXX FOR THE CLOSING COST AND THEN AFTER THAT I WOULD MAKE THAT MONEY BACK PLUS MORE. I SAID OK AND TRUSTED THIS SAID COMPANY CALLED XXXX XXXX XXXX ON XX/XX/13 SO I PAID THEM WITH MY DISCOVER CARD. AFTER PAYMENT WENT THROUGH I NEVER HEARD FROM THEM AGAIN. I TRIED TO CALL THE NUMBER THAT WAS GIVIN BUT NO ANSWER AND I LOOKED THEM UP ON THE INTERNET AND THERE ARE MANY REVIEWS THAT THEY ARE A SCAM FRAUD COMPANY. I CONTACTED DISCOVER CARD SINCE I USED MY CREDIT CARD THROUGH THEM AND LET THEM KNOW ABOUT THIS CHARGE AND THEY GAVE ME THE CREDIT AND THEN TOOK IT BACK AND CALLED ME AND SAID SINCE I DID TALK TO THIS SAID COMPANY AND I DID DO BUSINESS WITH THEM THEY CANT GIVE ME MY MONEY BACK. TOLD THE CREDIT CARD REP THAT THEY ARE A FRAUD COMPANY AND THEY SCAMMED ME OUT OF MY MONEY I AM YOUR CLIENT THROUGH DISCOVER AND YOUR NOT GOING TO BACK ME. DISCOVER REP TOLD ME TO CONTACT THE SAID COMPANY I TOLD THEM I TRIED BUT THERE WAS NEVER NO SUCH COMPANY. SO I AM NOW FILING WITH YOU AGAINST DISCOVER.
Consumer complaint received 2015-03-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (MD)

Hello, mortgage : XXXX XXXX in dispute : XXXX XXXX report # XXXX XX/XX/XXXX, I contacted Experian to dispute a delinquent payment on my credit report. I was advised the mortgage company had to correct the late pay and resubmit to the credit bureau. I sent my mortgage company a copy of my XXXX postal tracking # It was mailed as a 2 day priority. 
As of today, this is STILL showing delinquent on the credit reports. Per Experian, they closed my dispute in XXXX hours, referred me to my mortgage company and to date, have not corrected or removed my late payment as an error or acknowledged as such. 
EACH late pay cost me XXXX points on my credit report. For them to force a lower score on me is questionable and unethical. It appears that they use " late pays '' as a means to force people to purchase their credit products. 
Today, XX/XX/XXXX I contacted my mortgage company yet Again and was advised the XX/XX/XXXX is showing current in their system. 
Please advise. Thank you for your time. 
*******************IF you choose to publish this, PLEASE REMOVE MY CREDIT REPORT NUMBER! THANK YOU! **************************************************************
Consumer complaint received 2021-02-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (CA)

As a loyalty customer, I used Amex card for long years. But I am very disappointed for their service. I got a promotion from Amex it said I can get 25000 points if I upgrade my everyday credit card to a preferred version which I have to pay annual fee instead of the no annual fee version. So I got their 25000 points since I finished their minimum spend requirement and paid for the annual fee. At this XXXX I got another year annual fee Charge. I already paid other credit card annual fee and used most transaction on the other card. So I decide to downgrade my everyday card to a no annual fee version. But at this XXXX I realized my 25000 points has been taken back from Amex . I called them have been told I have to keep 12 months for this card. What? This is very ridicules. When I downgrade. No one told me I have to keep 12 months for this card. I do received their 12 months term after I have been taken back the 25000 points. If anyone remind me I won't need to downgrade this card. I think I earned this points. The points belong to me. And their customer service is very rude. I need my points back.
Consumer complaint received 2015-12-07
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Suburban Credit Corporation (VA)

Medical bills for my daughter from XXXX hospital claims have been submitted to my insurance. My insurance company has paid all claims. Suburban Credit Corporation continues to call and berate me regarding this bill. The representative called and yelled at me about this bill today. I spoke with my insurance company and this has been paid.
Consumer complaint received 2015-09-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: ORG GC GP BUYER, LLC (CA)

I was contacted by GC Services, I asked them when my account was scheduled to report they said it is pending. I asked what that means they would only repeat that it was pending. I advised that either it has reported or it has not, and it is pending that means that it has not reported to my credit. They rep said confirmed that this was correct. So I asked again when is it scheduled to report to my credit since it is not on my credit now. She said its pending so I said your being very confusing and misleading by not giving me the correct info when I 'm asking. There is a date/time period which a credit reporting account is scheduled to report she said its pending. Then she hung up on me as I was talking.
Consumer complaint received 2021-04-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (FL)

PHH Mortgage has deceptive practices that prevent customers from paying their bills in advance. Here are the facts : I recently refinanced my mortgage, in which my loan was sold from XXXX Loans to PHH Mortgage ( hXXXX XXXX XXXX ) in XXXX. As I am vigilant about paying my bills, and often pay my mortgage in advance, I was concerned when after making my first payment with PHH through their mobile app, I was no longer able to pay my mortgage in advance through the app, as I received an error message stating " You are not eligible to make a payment at this time '' and prompting me to call XXXX. I immediately called the company and they informed me that the error would go away as it was only there because I just made a payment and it was still processing. A few weeks went by and the error message did not go away and it did not allow me to pay my mortgage in advance, which is a major red flag as I never had this issue ( preventing me from paying the mortgage ) with any other mortgage company that I have had ( XXXX  XXXX XXXX and XXXX Loans ). I called them back again and this time the rep told me that I could not make electronic payments in the app until I signed an amendment, which he would mail to me, a detail that was not provided to me when I initially called a few weeks earlier when I first saw the error message. I also asked for the amendment to be emailed so I could get an electronic copy of the amendment, which he said he would do. Fast forward a week later, no email, no amendment in the mail and I am now getting closer to the due date for the mortgage. I called PHH again on XXXX. XXXX, and this time, after stating that I never received the amendment, the rep said to give it more time for it to arrive in the mail. I then noted that I got other promotional emails from PHH but none that included the digital copy of the amendment they would be mailing. When I asked for them to email me a copy of what they allegedly mailed to me, they told me they did not have a copy in their system. Another red flag as I would imagine all customer communications need to be documented especially for an amendment which they make appear to be a standard requirement for all customers to sign. As of XXXX there is still no resolution, which is why I am filing a formal complaint as I am concerned PHH Mortgage is executing deceptive practices with its customers in order to prevent them from paying their mortgage in advance and currently putting me at risk for not paying my bills on time. I also just discovered that as of XX/XX/2021, this company has a class action lawsuit against them in connection with unauthorized servicing fees, seems like this is another deceptive practice that should be investigated.
Consumer complaint received 2015-08-03
Product: Money transfers — Domestic (US) money transfer
Issue: Incorrect/missing disclosures or info — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (MA)

I transferred money via MoneyGram at a XXXX store to my daughter in the United States.  My complaint is that there was no indication of fees until the end of the transaction and never any indication of the basis of the fee.  I couldn't tell if I could save money by sending more or less.  I couldn't tell if the fee was based on the amount I was sending or just a transaction fee.
Consumer complaint received 2021-03-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (IL)

XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, FL XXXX ) has been reporting on my credit report as a collection notice in the amount of ( {$320.00} ). This collection has been reported as a unpaid balance in collections. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. Collections is not from original creditor. I do not owe Enhanced Recovery Co L ( account # XXXX ) for the amount of {$320.00} I never heard of ( Enhanced Recovery Co L. ) I never did a contract with them.