davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CT)

I have an unverified account from PORTFOLIO RC. I had previously disputed this account. I have never done business with PORTFOLIO RC pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that PORTFOLIO RC Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that PORTFOLIO RC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Consumer complaint received 2016-08-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WI)

This business was contacting me regarding an old debt from XXXX XXXX. I had communication with them in XXXX regarding the account and was told it was perged and would not be reporting. I think got XXXX XXXX to delete it. Now in XXXX they reported to all three credit bureaus and have prevented me from getting a mortgage I worked the last year and a half for. I 've tried to contact them but every employee tells me something different. They call my work, my parents house ... It is basically ruining my life.
Consumer complaint received 2017-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Equifax is incorrectly reporting a paid collection account as open. This account was paid over a year ago and although payment status has been updated to paid, the account is still reporting as open. This account has been disputed with Equifax in previous months,  XXXX ,  2017 ,  XXXX   XXXX  and again,  XXXX   XXXX  and they are not changing anything.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Spring Oaks Capital, LLC (MD)

[ Account Name : Spring Oaks Capital LLC and Acc # : XXXX ] - [ ] Has violated my rights. 
Late Payments - 15 U.S. Code 1681a ( 2Xi ) - 12 CFR 1026.13 ( Billing Error Resolution ) - 15 U.S. Code 1666 ( b ) - 15 U.S. Code 1637 ( a ) - [ ] 15 U.S.C 1681 section 602 A states I have the right to privacy Collections- 15 U.S. Code 1692c - 15 U.S. Code 1692g - [ ] 15 U.S.C 1681 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions - Charge-Offs - 15 U.S. Code 1635 - 15 U.S. Code 1692g - 15 U.S. Code 1681 ( c ) ( 2 ) 8. Hard Inquiries - 15 U.S. Code 1681 ( n )
Consumer complaint received 2024-10-10
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (MA)

Comenity bank claims I did not make a payment of {$41.00} on XXXX despite the fact it was processed through my bank, XXXX XXXX XXXXXXXX and paid to them. I have sent a copy of the check XXXX sent as well as a print out of the on line transaction showing the {$41.00} deleted from my account to pay XXXX XXXX credit card. I paid the bill on line through my XXXX XXXX XXXX account. I have called multiple times over these months and have had no resolution. I even went to the bank and did a three way phone call on XXXX with XXXX and Comenity to no avail. I dont understand what else I can do. They continue to send me letters and bills with ever increasing late fees. I feel I am being harassed.
Consumer complaint received 2016-08-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

In XXXX 2016 I was departing the country fro two months and paid my XXXX and XXXX mortgage in advance and asked for auto pay to be removed. In XXXX the Bank of America attempted to collect the XXXX payment an increased rate of {$2600.00}, as the fund were not available I was charged overdraft fee. 
The mortgage department then blocked me from paying the mortgage, because of a late payment. There was no late payment as it was a attempt to collect the mortgage two month in advance. 

On Friday the XXXX of XXXX I received the letter saying they refused the payment of XXXX mortgage by direct transfer. I had to pay by certified check. 
I explained that I had just come out of hospital and could not drive, the bank employees said they would not make a change so that I could pay on line nor could I pay in cash even if I went to the bank. 
I have been discriminated against and not given fair and equal access to my account both the mortgage account and current account are in my name and the Mortgage department blocked payments. 
In desperation I called my daughter who drove me to the bank to make the transfer. 

When I called the mortgage department back they said they may return the payment. 
The supervisors failed to call me back failed to put me in touch with the resolutions department. Failed to provide their names, threatened to foreclose on my house. 
This was extreme discrimination against an elderly XXXX person, I fully informed them of the XXXX and still was forced to travel XXXX miles to the nearest branch to resolve the issue. This was XXXX. 

Durung the past several years I have had numerous complaint on enforced insurance when I held insurance. Overcharging of insurance when they enforced insurance, failure to return funds. The mortgage rate is charged at 6.25 % the bank refuse to change this due to dramatic changes in circumstances, I am being forced to sell the house due to the XXXX, overcharging and general harassment by the Bank of America Mortgage and Insurance department.
Consumer complaint received 2024-10-08
Product: Credit reporting 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. (CA)

On XX/XX/XXXX I contacted Experian who denied they had any affiliation with Experian Connect. I paid {$19.00} to share what I disclosed and advertised as my Experian credit report. This is misleading information as there is no disclaimer that the score is not Experian credit score But XXXX credit score another company from what Experian representative have stated.On the Experian XXXX Score Model Is says Experian Credit Score! I also paid XXXX {$35.00} to share my Experian Credit Report who uses Experian XXXX score model. XXXX is using my Experian credit report and sharing misleading credit scores through out their shared accounts. Both XXXX uses Experian XXXX and Experian Connect uses Experian XXXX. When I spoke with Experian Headquarters they claim not to be affiliated with these accounts! Although my credit card company where I paid to share my credit report said Experian XXXX XXXX where Experian Headquarters is located!
Consumer complaint received 2016-08-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

I have an unverified account from CAPITAL ONE BANK. I had previously disputed this account. I have never done business with CAPITAL ONE BANK. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that CAPITAL ONE BANK Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CAPITAL ONE BANK Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Consumer complaint received 2018-04-27
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. (TX)

Transunion/XXXX have done two investigation with the XXXX child support division and come back with the incorrect information both times, when I am able to call during any business hours and get the correct information from the first person I speak to. Transunion/XXXX   has my obligation starting before it was ordered to start, as well as missed payments when I have not missed one payment.
Consumer complaint received 2016-08-22
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

When financing our vehicle we took a loan from Fifth Third Bank. On our Simple Interest Note and Security Agreement we paid XXXX dollars to Public Officials and XXXX dollars for Title Examination. Once we satisfied our lien in full we received a letter from Fifth Third Bank stating that in order to receive our title we must go to The Ohio XXXX and PURCHASE the title due to the fact that Ohio is a state which produces electronic titles. 
Ironically, one week before receiving Fifth Third 's letter we had just satisfied our lien on another car that we financed through XXXX XXXX. XXXX XXXX thanked us for our business, thanked us for satisfying our lien and ALSO sent us a PAPER Title. 
I spent over an hour on the phone with Fifth Third 's loan officer going round and round about how Ohio is a electronic title state and Fifth Third owes us no paper title. I spent another hour with a loan officer at a local Fifth Third branch going round and round about how Fifth Third owes us nothing since Ohio is an a electronic title state. No one could explain why I received a paper title from XXXX XXXX and not from Fifth Third. I was given a handful of excuses as to what the fees of XXXX dollars to Public Officials and XXXX dollars for Title Examination on our Simple Interest Note and Security Agreement really were. 
We will never consider Fifth Third again for any of our financial needs and urge other to be aware of their " roundabout '' ways of cheating their customers.
Consumer complaint received 2016-08-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Mullooly Jeffrey Rooney & Flynn (NY)

My employer received a fake subpoena from Mullooly, Jeffrey, Rooney, & Flynn XXXX issued supposedly by the XXXX New York XXXX XXXX XXXX, disclosing my personal information, the creditor 's name and amount that is owed to the creditor. I do not find it fair that this notification came to my place of work. Many things could have happened like losing my job and embarrassment with my co-workers when they find out of this fake subpoena.
Consumer complaint received 2024-10-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I just recently learned that there's a judgment on me since XX/XX/XXXX from MBNA in the amount of {$16000.00}. Which now carried over to a debt collector and the amount now exceeds XXXX XXXX 
I NEVER opened an account with MBNA and it seems it's an account that was opened by my ex-wife XXXX XXXX XXXX without my knowledge. 
She probably had used my information since she didn't have much credit back then and I strongly believe I am a victim of an identity theft. 
The debt collector started to put levy on my checking account for the debt I had nothing to do with and it is strongly affecting feeding my 4 kids. 
The account is on hold for certain amount until XX/XX/XXXX at the moment and the hold amount keep on increasing as more money is getting deposited.
Consumer complaint received 2024-10-02
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (GA)

I contracted with XXXX XXXX in XXXX for a purchase with a monthly payment of {$59.00}, consisting of {$46.00} and {$13.00} for XXXX XXXX, due on the XXXX of each month. 

In XX/XX/XXXX, I made a payment of {$90.00} on XX/XX/XXXX, to cover the regular monthly payment of {$59.00} and an additional {$30.00} to account for a late fee that had been charged on XX/XX/XXXX. To avoid any further late payments, I also set up automatic monthly payments of {$60.00} through my bank starting in XX/XX/XXXX. 

However, I was recently made aware that the {$90.00} payment made on XX/XX/XXXX was applied entirely to my account balance, leaving the late fee of {$29.00} posted on XX/XX/XXXX unpaid. As a result, my account was considered in default, leading to additional late fees in subsequent months due to my {$60.00} automatic payment being insufficient to cover the outstanding charges. I did not become aware of this issue until XX/XX/XXXX.
Consumer complaint received 2016-08-22
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL (FL)

I have a Walmart store card and the bank is Synchrony Bank. Before synchrony the bank was called GE capital XXXX then it became synchrony. I do n't know if GE capital XXXX was owned by synchrony and they just renamed their business or what. GE capital XXXX was ripping off consumers left and right now synchrony is doing the exact same thing. My Walmart card number is XXXX. The name on the Walmart card says XXXX XXXX XXXX. That is me and when I started realizing synchrony was charging me late charges I stopped using the card. I pay my Walmart store card early around the 1st week of every month early and the due date is the XXXX of every month. If I do n't pay my bill a couple days before the XXXX synchrony charges me another late fee. They want a double payment every month or they will charge {$35.00} late fee all the time. For a bank/financial institution they should know that the payment I sent in $ XXXX- {$45.00} IS FOR THE XXXX. I know they are thieves. If you type in a search engine complaints about synchrony bank or complaints on care credit that is XXXX of the cards synchrony has you will see all of the complaints against this bank. If you type in a search engine complaints about GE capital XXXX you will see all of the complaints. I am not paying any late charges. I want to close this account after I pay {$79.00} that is all I owe. Synchrony bank has many cards.
Consumer complaint received 2016-08-22
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Cottonwood Financial Ltd. (WI)

I was and still unemployed on XXXX/XXXX/2016 with unemployment income. Took out a loan with the Cash Store in XXXX, WI on XXXX/XXXX/2016 in the amount of {$290.00} with an interest rate of 519.98 % {$540.00} in finance charges.They have been blowing my phone up at least 2 or 3 times a week 3 times in a row. I have not attempted to pay back due to the ridiculous high finance interest rate and I ran out of unemployment income before the loan contract ends what can I do.
Consumer complaint received 2016-08-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: ACS Education Services (AL)

ACS Education Services is refusing to release my loans to another borrower that is consolidating my loans. After contacting ACS numerous times about them sending the info they continue to say the same thing " We 're done with XXXX of your XXXX packets '' and I 've heard this for about 2 months. They had the request to send the info so they could be paid off in XXXX 2016 and after speaking to the new lender today ( XXXX/XXXX/16 ) I was just advised they send information that my loans were paid off already. In the mean time ACS has my loans in default, sent it to a collection agency, and put it on my credit report. I 've NEVER defaulted on my loans and was even struggling to pay them $ XXXX/month but still did it. If anyone looks online they will see the many horror stories about ACS Education Service and I almost feel I 've paid my money to a company that has scammed me the whole time and concerned about the payments that I did make. I 've found a company that is authorized by the Dept of Ed to help with consolidation, lower my payments for all my loans dramatically, and actually give me a length of how long I will have to pay them. I am now in the process of faxing them my bills to prove that I still own ACS and they will help me resolve the issue and hopefully get the funds to them to pay them off. 

On another note my other lender sent the information within 2 weeks and were paid in full within 3 weeks.
Consumer complaint received 2016-08-22
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HCFS Healthcare Financial Services of TeamHealth (NJ)

I received a debt letter dated XXXX XXXX 2016 for a hospital debt of {$660.00}. I asked for the details and was sent the details on XXXX XXXX, which had my name BUT no other details matched. SO I am totally perplexed as to XXXX debt collection works. Was this debt collection notice sent to me just because the name matched? No one bothered to check anything else
Consumer complaint received 2018-04-27
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC. (TX)

I have private student loans through XXXX, and had been paying them through XXXX XXXX XXXX, until XX/XX/XXXX. My minimum amount was around $ XXXX/month, for all my loans, but I was paying {$500.00}. Around XX/XX/XXXX, I increased it it $ XXXX/month. In XX/XX/XXXX, my loans were transferred to Navient, and I was paying he same amount. On XX/XX/XXXX, I called Navient to try to reduce my payments to the minimum amount, since I couldnt figure out how to do it online. They told me that {$590.00} was the minimum! I asked to speak to someone else, and all she said was her manager came and looked at the screen and confirmed that the computer screen said {$590.00} was the minimum. I have been paying these loans since XXXX. I know that is not the minimum, because I have been paying $ XXXX/month for 8 years. Also, the easily accessible XXXX website showed me my minimum was around $ XXXX/month.
Consumer complaint received 2016-08-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Convergent Resources, Inc. (OH)

I have a a unverified account from CONVERGENT OUTSOURCING XXXX {$890.00}. I had previously disputed this account. I have never done business with CONVERGENT OUTSOURCING. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that CONVERGENT OUTSOURCING Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CONVERGENT OUTSOURCING Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Consumer complaint received 2016-08-21
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (MD)

I am a XXXX veteran for 5 years. I live in a condo which Wells Fargo is foreclosing on XXXX XXXX, 2016. I have tried explaining to them I am awaiting on a decision on my appeals with Social Security XXXX and VA ( Veterans Affairs ). All I ask is to stay in the home until a decision is is reached but Wells Fargo is going ahead with the foreclosure sale. I tried to do a short sale but again there is a wall up with Wells Fargo and they will not allow me to do any of the above suggestions I just mention. I no other place to go. I have no money. I am confused and at a l lost as to what to do when it comes to my mortgage and keeping my home.
Consumer complaint received 2016-08-21
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

I went to a Bank of America ATM to withdraw money for my daughter 's back-to-school shopping. The ATM took my debit card and did not return it or display a message. I 1. called the number on the ATM machine to report a problem. Could not do so because I did not know the number on my ATM card since it was in the machine. 
2. I called the phone number on the back of my credit card, got a human being who transferred me to an automated system where I could n't get help because I did n't know my ATMS card number. 
3. Used my mobile application to get connected to a person who also transferred my into an automated system where I could n't get help because I did n't now my ATM card number. 
4. Drove home and logged into my online account. Called the number and after several minutes was still getting offers for XXXX and some cruise line with no apparent way to get to a person. Hung up. 
5. Tried my mobile app again. Got a person who did order me a new debit card. Would not waive the expedited charge. Told him I needed to get cash today. He said he would transfer me to an emergency cash phone number ( promised a person ). Was transferred to another automated system that hung up on me when I pushed 1 for debit card questions ( the only other option was credit card questions ). 
6. I had to borrow money from a 16 year-old!
Consumer complaint received 2017-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

There are inquiries on my credit file that I did not authorize. I 've written and mailed out a letter stating to remove unauthorized inquiries on my credit files and sent this through certified mail to ensure delivery. I do not recognize nor did I authorize the inquiries listed in the letter that I sent to the credit bureaus. The bureaus received a detailed copy of my letter with identification.