davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-20
Product: Debt collection — Auto
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WA)

Had XXXX financed in XXXX XXXX, lost job and defaulted in XXXX XXXX. XXXX never sent documents for auto auction as required by state law, and never sent statement of charges after auto auctioned. I requested those statements as they sent in a letter to request, but they misrepresented the repo when I wanted to do a voluntary repo, so they knew I was going to dispute the charges. Also, they auctioned the car at wholesale and not retail, which was the contract I signed with XXXX XXXX at the time. 

They never billed me after auction, It was turned over to collection in XXXX XXXX have letters XXXX. Eventually, Portfolio recovery took over the debt, and kept calling without verification. They admitted the documents were missing, and through XXXX, the state of Washington allowed the debt to be invalidated, and the original creditor sued. Every call claimed to be with the legal department, but they sounded like a script, and they never said my last name correctly. 

They did not listen to my complaints, and that I wished to dispute the debt. They sent forms out for disputing for fraud. They never sent validation documents as requested, they said the settlement letters they sent was their method of validation. I lived in XXXX until XXXX XXXX, and had different phone numbers. When I moved to XXXX, I changed all my numbers, including cell phone. 

The original creditors never had this cell phone number I have now. The statue of limitations was up on this debt in XXXX XXXX. I successfully disputed the debt on my transunion report, and the repo was removed from the credit file. I did n't bother with any more disputes, the collection and original debt fell off the report, and by Washington state law, I do not owe this debt due to illegal repo practices in XXXX. 

I have told portfolio I do not wish to speak with them on the new cell phone number. They found it by continually soft pulling my credit reports ( they used to hard pull every month, but about 2.5 years ago, this changed to soft pulls ). They keep changing their phone numbers, I save them all under XXXX ids on my phone. They do this because people block the numbers. They also have every states area code, and are still doing auto dialing via this method. The phone rings XXXX and hangs up. You can only call back. 

It is against the law to auto dial after permission has been revoked. They insist on breaking the law to try and get money they are not owed. It is not my fault they bought the debt. They keep trying to get me to make payments, and reset the statue of limitations. They insist I write a letter to stop the calls. But they do n't have a legal purpose to call the new cell phone number. Skip tracing is harassment. I need them to leave me alone, I will never pay this debt.
Consumer complaint received 2015-05-20
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Nelson and Kennard (CA)

I was contacted by mail on XX/XX/XXXX by the law firm of Nelson and Kennard. In the letter it was stated that they had obtained a judgment against me on behalf of their client XXXX XXXX XXXX XXXX. They then stated that I had an outstanding judgement balance of {$10000.00}. 

I have never received any paperwork notifying me of a lawsuit and in fact the original debt was by my records charged off in XX/XX/XXXX. 

I had moved on XXXX XXXX of XXXX and on XXXX XXXX of XXXX so if they had served the paperwork to an old address it was n't to me. 

Furthermore I just received a phone call from one of their representatives at work. 

I think it will go a long way if the Bureau of Consumer Financial Protection contacts Nelson and Kennard and just ask some simple questions. Like " When did you supposedly sue this person? Do you have court document showing proof of service? Who signed the proof of delivery? Show us documentation proving you have the right to collect this debt? " Please help as I do n't know who else to contact and really need a help from your organization to help with this dispute.
Consumer complaint received 2015-05-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: SYNCHRONY FINANCIAL (TX)

I was told by Original Creditor - SYNCB/Amazon that XXXX XXXX XXXX ( XXXX ) is the servicer of this old charged off Amazon store card account. They provided me with this phone # XXXX to contact to pay this account in an effort to have it removed from my credit report. However, this company has never contacted me, nor sent me anything with regard to this to dispute it nor anything else and when I call - which I have done NUMEROUS times they have a recorded message that will have you wait on hold for a moment then will say they are not able to take your call and to call back or leave a message. I have tried emailing them and faxing them to no avail. I CAN NOT get ahold of this company in any form or fashion and we are purchasing a home and must get this account Paid/Settled. Can you please look into this matter and contact me back regarding this matter. I can be reached via email at XXXXXXXXXXXX or via phone at XXXX or via mail at XXXX XXXX XXXX # XXXX XXXX, TX XXXX. 

Thank you, XXXX XXXX
Consumer complaint received 2015-05-20
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Genesis Lending (CA)

Hello, I was student at XXXX college and school was closed before I got to grauduate. I applied for loan discharge with XXXX and those loans are supposed to be forgiven soon but I still have a balance with genesis lending about XXXX $ and I was told that I am responsible for this loan even if my school closed on me. I think this is unfair, I suffered enough already, waisted 2 years of my life and now I have to start all over again and have to repay closed school balance. Genesis lending loans have to be forgiven too.
Consumer complaint received 2015-05-20
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I have a Capital One credit card that I rarely use. XXXX made an unauthorized charge to this account on XX/XX/2015 in the amount of {$38.00}. I do not receive paper statements and I was n't aware this charge was made due to the fact that I do n't use this credit card much. I was called XX/XX/2015 and was left a voicemail on my home phone from Capital One. I went online to see if I could understand what they were calling about. I immediately saw that my card was showing past due and I called Capital One to see what I should do. They said that I should work it out with XXXX XXXX XXXX first before filing a dispute with Capital One. I called XXXX XXXX XXXX about the unauthorized charge. They apologized for the charge and agreed to refund the full amount back to my card. They refunded the full {$38.00} on XX/XX/2015. I called Capital One back and they said they would take care of the late charges and interest. They also said I would n't be reported late to the credit bureau. I happened to notice my credit score dropped around XXXX points. Capital One did report me for being XXXX days late for an unauthorized charge made to my account. I called Capital One again and they said I would have to file a dispute to correct this and that they could n't do anything to help me. I asked to be transferred to the Credit Reporting Department, and I was put on hold for XXXX minutes just to be told that I could n't be transferred to that department. I was originally informed from Capital One from XXXX different employees that I would n't be reported late. This incident really leaves me with little respect for Capital One. Bottom line, I am being penalized as the consumer that was originally considered to have excellent credit to poor credit after a circumstance happened that was outside my control.
Consumer complaint received 2015-05-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Altisource Portfolio Solutions, S.à r.l. (TX)

I was told by Original Creditor - XXXX that Nationwide Credit Inc. ( NCI ) is the servicer of this old charged off XXXX store card account. They provided me with this phone # XXXX to contact to pay this account in an effort to have it removed from my credit report. However, this company has never contacted me, nor sent me anything with regard to this to dispute it nor anything else and when I call - which I have done NUMEROUS times they have a recorded message that will have you wait on hold for a moment then will say they are not able to take your call and to call back or leave a message. I have tried emailing them and faxing them to no avail. I CAN NOT get ahold of this company in any form or fashion and we are purchasing a home and must get this account Paid/Settled. Can you please look into this matter and contact me back regarding this matter. I can be reached via email at XXXXXXXXXXXX or via phone at XXXX or via mail at XXXX XXXX XXXX # XXXX XXXX, TX XXXX. 

Thank you, XXXX XXXX
Consumer complaint received 2015-05-20
Product: Credit card — 
Issue: Other — 
Company: Paypal Holdings, Inc (WI)

I was attempting to use my PayPal Account to pay for an electronic fax on the website XXXX. When I clicked on the pay with PayPal tab, I was prompted for personal information to confirm my identity in order to check out. The payment process was misleading, as the consumer is led to believe they are simply confirming it is them who is attempting to use the account. In reality I was signed up for a PayPal credit account, that I never wanted. There was nothing that clearly identified the fact that I was signing up for a credit account. It will now show as an inquiry on my credit report, and it will show that I had this account and closed it. I immediately called to close the account, and did not have any problems with the company in that aspect of this issue.
Consumer complaint received 2015-05-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Paypal Holdings, Inc (GA)

PayPal reported lack of payment to credit collection company XXXX XXXX XXXX. I did not open this account, and even the email used to open should raise suspicion. When I researched online, it appears this regularly happens with PayPal and XXXX.
Consumer complaint received 2015-05-20
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (IL)

Your site is not working correctly. It accepted my information and then offered the credit score for XXXX, which is not free. Your site would not allow me to go back to the prevue screen because I am not paying your company anything. I will be reporting this to the Illinois Attorney General 's Office Monday morning. The option to get the report online never appeared. I had to close the site to get it to do anything. Your security letters request was also malfunctioning. When I went to email your company, it rejected sending the email stating there were errors. There were no errors.
Consumer complaint received 2016-02-08
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CREDIT ACCEPTANCE CORPORATION (CA)

I have contacted Credit Acceptance 3 times by certified mail as well as disputed the fraudulent account with all XXXX credit bureaus and they allege the account belong to me. I have a police report on file in this regard and I have supplied a copy of the police report to them. The last time I contacted them by mail was on XXXX XXXX, XXXX has been two months and they still ignore me but yet and still they continue to report the account. Account Number XXXX
Consumer complaint received 2015-05-20
Product: Credit card — 
Issue: Advertising and marketing — 
Company: U.S. BANCORP (IL)

I signed up for the US Bank XXXX XXXX visa credit card, with a key benefit being the inclusion of a free night on award stays : " a bonus award night every time you redeem for XXXX award nights or more, the last night is complimentary ''. This was a key benefit for the card ( which carries an annual fee of {$75.00} ). I signed up for this card due to its benefits, which were clearly stated on the website when I applied and was accepted for the card. A week after receiving my welcome material, it was announced that this benefit would be removed beginning XXXX XXXX, 2015. I called US Bank to request that this benefit continue for my card, as I had applied specifically for this product benefit, but they told me the benefit would be going away for all cardholders. I find it incredibly deceptive to offer a card with certain benefits and then once I have the card and have paid the annual fee, the most valuable benefit then gets removed with no compensation for this loss.
Consumer complaint received 2015-05-20
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Focus Holding Company (TN)

I do not know what the calls are about as they will not give me information about their call without requiring me to disclose personal information that I am unwilling to give. I receive XXXX5 calls a day from this company. I am on the " XXXX, but they just keep calling. When we ask who they are, they refuse to tell us. When we ask why they are calling, they require personal information to disclose why they are calling. So, they just call again two hours later. They secretary of our company spends hours each day dealing with this! Please make them stop these unscrupulous tactics. This has been going on for months! They call from Focus Receivables Management in XXXX, GA from the number XXXX.
Consumer complaint received 2015-05-20
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BB&T CORPORATION (VA)

I am being charged overdrafts fees for transactions that I should n't be. I should only be charged for XXXX overdraft fee and that is when I withdrew {$80.00} from the atm because I have also been having issues trying to get a debit card sent to me. When I withdrew {$80.00} I had money in my account but it was n't enough so that is the only time I should get the fee. Well BB & T decides to process my transactions in the order they want so I occur more fees instead of the order I used my card. So as of XXXX overdraft fees were {$100.00} when I called the customer service line she was supposed to credit XXXX and have a supervisor call. Well today XXXX XXXX 2015 I see I have another overdraft fee for {$72.00} because they charged me {$2.00} for calling them. I called back and was told XXXX thing from customer service and when I called the Branch in XXXX VA off of XXXX XXXX, XXXX told me something different. She also told me a Manager could not help me. I want this taken care of before I get my job to direct deposit my check. I should n't be charged almost {$200.00} for nothing. The only time I used my debit card to overdraft was XXXX time only and that was the last time I used it. If I did n't do that last withdrawal none of this would be happening. Its sad banks manipulate the way they post transactions to occur more fees for their clients.
Consumer complaint received 2015-07-14
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation (PA)

We sold our old house on XXXX XXXX, 2015, and dropped our home owner 's insurance from XXXX XXXX. We also have auto and home owner 's police through state farm on our new house. The underwriter removed the multi policy discount on all of our policies. On XXXX XXXX, 2015 XXXX XXXX billed our mortgage for {$1300.00} when our policy premium should have been XXXX. According to our mortgage company, they claim they sent us a statement showing and increase in escrow dated XXXX XXXX, 2015 ( we never received ). They debited our bank account on XXXX XXXX, 2015 for {$1000.00}. The authorized debt amount is {$700.00}. They debited our account for an unauthorized amount of {$380.00}. Our insurance company is in the process of refunding us the amount of overpayment. Federal law requires a 60 day notice of any escrow changes before the account can be debited. ERA mortgage debited our account on XXXX XXXX, 2015, less than the 60 day claimed notice.
Consumer complaint received 2015-07-14
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: NAVY FEDERAL CREDIT UNION (DC)

On XXXX XXXX, 2015 I received a letter addressed to me stating that my Navy Federal Credit Union ( NFCU ) account was restricted due to transaction activity conducted on my personal account and that the activity conducted does not fall in line with NFCU 's underlying acceptance of risk. The letter instructed me to proceed to the nearest branch to withdraw all funds and close the accounts. 
I in turn went to a local NFCU branch in XXXX, VA on Thursday, XXXX XXXX to withdrawl all funds and close my accounts. However, upon arriving and speaking with a representative, I was told that my account was locked and even she could not withdraw the funds due to my account being under investigation. The branch had me speak to a security specialist, whom directed me to call her back the following Friday, XXXX XXXX to check the status of my account. 
I in turn called the security specialist on Friday, XXXX XXXX. She told me that there was a letter in the mail to me and to await the receipt of the letter. 
On Monday, XXXX XXXX, I received a XXXX letter from NFCU dated XXXX XXXX, 2015. This letter stated that after NFCU reviewed their records, it has been determined that the activity conducted on my personal account does not fall within their underlying acceptance of risk and for that reason, my personal account will remain restricted from use indefinitely and that I am to visit my nearest branch to withdraw all funds and close the accounts. 
On Monday, XXXX XXXX, I again visited a local branch in XXXX, XXXX After waiting for over an hour with my wife and newborn child, I was again told by the branch representative that the account was still locked and she was unable to withdraw the funds and close my account until the account was unlocked. She in turn called the security specialist whom was unaware of the signed letter sent to me dated XXXX XXXX, instructing me to visit the branch and withdraw my funds and close out my account. The security specialist then told the branch representative to fax her a copy of XXXX the letters I received, in addition to a letter written by me requesting to withdraw all funds and to close my account. The latter was not a requirement of either letters I received, but I sat there and did as I was requested and hand wrote the letter, signing and dating it. 
All in all, I have no issue with NFCU wishing to close my account, but I do take issue with the fact that they have sent me not XXXX, but XXXX signed letters from their Senior Vice President of Security Department, instructing me to visit my local branch to withdraw all of my funds and to close my account. I have wasted too much time with this matter and have done what has been asked of me. They are withholding funds that are legally mine which they 've instructed to permit me to withdraw. 
I do not know what to do, but this institution clearly does not know what it is doing.
Consumer complaint received 2015-07-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion has illegally refused to investigate the false information on my credit report. I have previously asked them to investigate the false information from XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. I have told them those accounts are reporting false information on my credit report however they have refused to investigate which is a flagrant violation of the Fair Credit Reporting Act. Transunion is illegally refusing to investigate the false information on my credit report which is impacting me greatly.
Consumer complaint received 2024-08-31
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. (TX)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : 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
Consumer complaint received 2015-07-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (MD)

In XXXX my mother in law died she had no living relatives to bury her. She had XXXX insurance policies signed over to the Funeral home XXXX/ XXXX XXXX . They took every penny. The funeral was priced at around XXXX. Being a widow I did n't not receive one dime of the proceeds. I took the budget funeral pkg. I do n't know what happened to the money, but I went to XXXX for the arrangements because they had received XXXX in a pre burial arrangement prior to XXXX XXXX demise. The next thing I found out was XXXX XXXX has transferred the arrangements to XXXX. There was always something shady about XXXX. I tried numerous times to contact him to no avail. Whatever transpired between the XXXX funeral homes is not my responsibility. The problem lies in the accounting and bookkeeping with them. I owed nothing before or after she was buried, well over {$20000.00} dollars went somewhere. The burial plot, cemetery fees etc were all paid for. I guess XXXX XXXX is the collection agency. This is true information no scam. Thank you