davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Since XXXX of XXXX Portfolio Recovery Associates harassed me at all hours in attempt to collect an alleged credit card debt I owed. I asked them to verify the debt for over a year and they just sent me a print out of a statement alleging I owed {$1100.00}. As per FTC opinion letter from Attorney XXXX XXXX XXXX, creditors/collection agencies should be aware that a printout of a bill or itemized document does not constitute verification. <P/>On XXXX XXXX, I decided to pay them the money to stop the harassment and delete the negative trade line off my credit reports. Till this day they continue to report more derogatory information on my credit reports such as reporting false account numbers and 120 day Iate payments. Given that PRA was acting in bad faith, and have not complied with federal and state laws, I have filed a Small Claims lawsuit on XXXX XXXX, XXXX against PRA seeking damages for Defamation, Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ), and Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ). We are set to appear at my local court house on XXXX XXXX, XXXX.
Consumer complaint received 2017-07-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: GREAT LAKES (MO)

I briefly logged into my XXXX email after not being able to login for some time. <P/>I was given notice that my student loans were due before proceeding on to the income based repayment site to setup a new arrangement. <P/>I already had an arrangement in place, yet the following information showed up in my XXXX email, which I did not have access to, this University is presently under investigation regarding its environment and allowing it to be hostile to students and new information was sent to the Attorney Generals Office regarding their collection practices, before and after they were attempting to force collection efforts for an amount that was not factored correctly : CURRENT INFORMATION AS OF XX/XX/2017 Total Amount Due {$1400.00} Total Due By XX/XX/2017 Past Due Icon Your account is past due. Please see your billing statement for more information. This bill has 2 accounts : Stafford Loan Account with U.S. DEPARTMENT OF EDUCATION ( XXXX ) Payment Reference Number : XXXX Stafford Loan Account with U.S. DEPARTMENT OF EDUCATION ( XXXX ) Payment Reference Number : XXXX This payment, along with a {$5000.00} payment is set by the school for repayment. <P/>I recently just filed for unemployment benefits and may be working soon, as well as returning to school, however MANY efforts to force repayment have been occurring, along with efforts to force homelessness, impoverishment and inability to return to school have been gathered. <P/>I recently attempted to work with the school, and advised them, I could not speak to them regarding the debt owed while the investigation was going on as it would be a conflict of interest. They had called on a Monday and again on Friday ( Friday is when I shared this information with them ) after the two calls, I finally was able to login to my account and noticed extra charges on top of the ones that were not supposed to be added, as I never attended the Summer Session, also when I did attend the school I did not receive the services I was paying for. The reason that the services were not provided were some of the matters being brought up in the OCR and Missouri Commission on Human Rights investigation. <P/>These issues have been made aware to the Attorney General during the times when the school reached out for payment. An update to the Attorney General website is pending, as we acquired a confirmation number upon the most recent visit and will provide more updates, if no other case number has been assigned.
Consumer complaint received 2018-03-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (NY)

My account was abruptly closed on XX/XX/XXXX. I didnt find out until I tried to access my account and I had my direct deposited check from my job sent to that closed account. I called Citibank and they told me Id have to wait until the closed account is finalized on XX/XX/XXXX and my check would arrive by mail 5-10 business days later. I called back XX/XX/XXXX and they told me it will definitely arrive between XX/XX/XXXX and XX/XX/XXXX so I wait it out and I call back and tell them I still have not received it and they sent a request to have it reissued and expedited. I spoke with 7-8 different supervisors and have gotten a different answer each time. They will not tell me whats the hold up or the estimated date I can expect to receive my money. It is XX/XX/XXXX and I still have no answers.
Consumer complaint received 2018-02-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: A-1 Premium Acceptance, Inc. (WI)

They told me that my payments on a XXXX loan would be {$250.00} per month for 7 months, They email me the documents which showd the 7 payments, After they took antother payment two weeks later, I called and they said my payments were actually 14 biweekly payments of XXXX  each. Reviewing my loan documments shows that these addtiional bieweekly payments were grayed out. So i did not see them. After making three payments I sent them a letter advsing them that I would like for them to uphold what they told me. They refused to do it.

I have place a stop payment through my bank, and sent Kings Of Kask the following : XX/XX/2018 XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, WI. XXXX Kings of Kash XXXX XXXX XXXX XXXX XXXX, MO. XXXX RE : Account # XXXX Revocation of authorization for debits To Whom It May Concern : Please stop taking automatic payments from my bank account for payments to my account with your company. My account number with your company is XXXX. I am writing to inform you that I am revoking authorization for you to debit my account via electronic funds transfer and by checks : This revocation applies to any and all future debits.

If yo would like to re-create the terms of the agreement please contact me by writing.

Sincerely, XXXX XXXX
Consumer complaint received 2018-02-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (ID)

I sold some computer networking equipment on XXXX in XX/XX/2017 to a buyer. this buyer kept my equipment for a few weeks and then decided to try to get a refund. I have a strict policy on eBay for computer networking equipment of no returns, for the reason that people can buy the equipment and use it for temp purposes and then return it. The buyer opened a case with XXXX and XXXX closed his case finding that I followed proper procedure and did not need to issue a refund. The buyer kept my equipment and filed a credit card dispute with his bank and did not return the equipment to me or even attempt to. PayPal who handles transaction for XXXX immediately charged me and put my account in negative before anything was decided in this dispute from the credit card company. PayPal continues to charge me late fees and weekly emails about sending me to collections unless I pay this debt. PayPal has done nothing to protect the consumer and especially the seller in this case. I have called PayPal multiple times about the weekly emails and the case is still open but I am being held responsible for this negative balance. The policy is backwards and left the consumer and seller with a mess on their hands. As the seller I don't have the equipment that was shipped, used and still being used from the buyer and left to cover the shipping cost and the cost of the equipment. PayPal is the worst customer service organization I have ever dealt with and the protection of consumer rights is being violated.
Consumer complaint received 2018-03-26
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (PA)

Someone tried fraudulently adding themselves as a user on my Victoria Secrets credit card back in XXXX. XXXX caught it and put a hold on the account and sent me a snail mail letter about it asking for verification. I never got the letter and therefore they just CLOSED my account. I never got a phone call or e-mail either which they do have on file for me. I don't knw why they would CLOSE by account and not freeze it or something. Or TRY AGAIN to contact me. When I called XXXX asking what happened and explained it I asked well I didn't get the letter you know I have e-mail and a phone number listed her response was " oh well ... '' and I said now you affected my credit and she said " yeah well '' and so I hung up on her after she said I could REAPPLY for a card.
Consumer complaint received 2018-02-28
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Direct Recovery Services, LLC (MS)

I received a call from my son today ( XX/XX/18 ), who lives in a different state and has no ties to my finances, asking why he was receiving a phone call about an {$800.00} debt I owed! XXXX XXXX XXXX uses a taped calling program that states " if you aren't _______ then please hang up. '' But most people are curious and will go on and listen anyway. This call released information that they were trying to collect a debt of {$800.00} and then proceeded to give information on how to pay it. 
This is NOT the way debt collectors should be allowed to communicate with those who owe a debt. This is wrong in every sense. I understand I owe the debt, but I do not have a job and was in a horrific accident months ago that has rendered me unemployable at the time. I do not expect ANYONE to contact people with information that can be damaging to them. This is just wrong that this company, or any company can release information about others under the notion they are doing it legally. This is embarrassing, harmful and can have devastating effects for consumers.
Consumer complaint received 2018-02-28
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NC)

Nissan Motor has been consistently reporting my auto-loan as delinquent sine XXXX of 2017. However, I have been making my monthly payment before the due-date every month. Every month that I call in, I pay Nissan exactly what's due prior to the due-date, but they somehow can not seem to report my pay history correctly.
Consumer complaint received 2018-02-28
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Ad Astra Recovery Services Inc (NV)

Opened up a loan at XXXX XXXX # XXXX in XXXX in XXXX XXXX, NV. 

File # XXXX, {$1200.00} pay day loan from XXXX XXXX Made all my payments on time, until my hard ship trifecta. 

1 ) Fell behind on my bills due to hospitalazation with a XXXX XXXX XXXX bite on my lower left leg. 

2 ) XXXX XXXX on left knee. 
XXXX XXXX on left knee, XXXX XXXX XXXX removal left knee. 
Performed by XXXX XXXX XXXX XXXX. XXXX & XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV. XXXX XXXX ) XXXX XXXX XXXX XXXX Black exterior, Grey interior Vin # ending in XXXX, Purchased new in XXXX  from XXXX XXXX XXXX XXXX XXXX, Illinois Needed mechanical repair from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Nevada XXXX Unable to afford repair bill, my vehicle was auctioned off after 30 days no payment, @ XXXX XXXX.
Consumer complaint received 2018-02-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: PNC Bank N.A. (MI)

XX/XX/18 I was charged a {$33.00} stop payment fee that I attempted to process in my account online. I was attempting to stop a recurring preauthorized fee from coming out of my checking account by XXXX XXXX   XXXX. I was told there was an error on my behalf with attempting to do this online in my account. 

The bottom line is the stop payment did not process and the funds came out anyway. My issue is I was told by the bank though the stop payment was not done I had to pay {$33.00} for just going onto the web site within PNC. 

Who has money to give a bank to pay for something not done. 
PNC XXXX Account # XXXX
Consumer complaint received 2018-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc. (MN)

I received a letter from national credit systems inc out of XXXX, ga for a debt which I was unaware of. Its says I can resolve the matter for {$510.00} if paid by XX/XX/XXXX. Today is XX/XX/XXXX so I called. I asked the rep how fast this could be deleted from my credit report. She informed me I had to pay an additional XXXX on top of the XXXX they offered me. This violates FCRA. The rep then threatened that u wouldnt be able to move or get a job if I didnt pay. I asked for a supervisor and was hung up on. Since I was unaware of this debt I looked into my records and this was paid to XXXX XXXX XXXX years ago. They are preventing me from being able to get a house by falsely reporting this debt to my credit then trying to hold my credit XXXX by charging me an additional XXXX $ to have it removed as I dont even owe the money. Consumers should be protected from these bully tactics. My rights under FDCPA and FCRA have been violated the CFB should protect us from these types of places. I want this tradeline removed immediately before I pursue legal action. I have the recording of this call but the file is to large to attach but I can get it to you guys as proof of all this
Consumer complaint received 2018-02-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc. (NC)

On XXXX XXXX, 2018 I sent Diversified Consultants, INC a debt validation letter by certified mail asking them to provide me with the following ...

- Agreement with your client that grants you the authority to collect on this alleged debt.

- Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
- Any insurance claims been made by any creditor regarding this account. 
- Any Judgments obtained by any creditor regarding this account. 
- Name and address of alleged creditor. 
- Name on file of alleged debtor. 
- Alleged account number. 
- Address on file for alleged debtor. 
- Amount of alleged debt. 
- Date this alleged debt became payable. 
- Date of original charge off or delinquency. 
- Verification that this debt was assigned or sold to collector. 
- Complete accounting of alleged debt. 
- Commission for debt collector if collection efforts are successful. In the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : it says that one can not subrogate onto a contract that they were not originally on, did not have any interest to protect, and then claim successor in rights and interests. Thus, when an original creditor sells the debt they give up their rights to collect on the debt BUT they do not give those same rights to the collection agency. The collection agency can not act as a substitute for the original creditor.

Diversified Consultants, INC has failed to validate this debt as they only sent a copy of a bill which is not validating the debt. Under the FCRA and FDCPA it requires you to verify the validity of the debt within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of invalidated debt here as the debt was not properly validated because a billing statement does not properly validate the debt and I urge you to remove this item before I am forced to take legal action.
Consumer complaint received 2018-02-28
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: Bread Financial Holdings, Inc. (SC)

On XX/XX/XXXX a hard inquiry into my XXXX credit report was gathered from XXXX. I called XXXX and was told there was nothing they could do to dispute it and I called XXXX and let them know it was not me and they directed me to this website and make a report. 

The following day on XX/XX/XXXX a hard inquiry into my XXXX credit report was gathered from XXXX  Im not familiar with this company and I did not apply for any type of credit over the last few days so all of this was a surprise to me.
Consumer complaint received 2018-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (ID)

XXXX of 2017 there was a fraudulent activity on my account through XXXX XXXX in New York. I live in Idaho. There was a hard inquiry at a XXXX store. I called XXXX and had it noted as fraud and they sent me a letter and i copied that letter and sent it to Equifax. I followed up by phone and was told it was handled. In XXXX it was still on my account so I called Equifax who said XXXX didn't send the change. I got them BOTH ob the phone ( Equifax wont talk to them to resolve the issue directly btw ) XXXX resent the info as per Equifax request. As of XXXX it still wasnt fixed. I got them both on the phone again. Equifax says they have now received the info but it will take XXXX days to reflect on the report. It is still over 30 days and no change. I am not going to wait 90 days just to find out its screwed up again and start over. I have been waiting on purchases to not have a higher interest rate for over 6 months. Equifax has lied and pass the buck on an error that it there fault 3 times now. This is a keyboard stroke on their end to restore my great credit. XXXX literally has no more steps they can take or additional info they can provide as I have never been a XXXX customer. Equifax needs to be reviewed as a company as It is only possible to speak to call centers and not decision makers or people who can update changes. Please help with this ASAP. I have had no help from Equifax. I feel like I am being help prisoner as a problem that was verified not me I am STILL being penalized for.
Consumer complaint received 2018-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Harley Davidson Financial Services Inc (TX)

Me and my husband have a Harley Davidson financial account and it is reporting late payment for XX/XX/2017 and the payment was not late that month. I have tried to contact them on the phone and on the web site and all we get back is : Good Afternoon XXXX and XXXX : Thank you for contacting us with questions about your loan and for using XXXX. 

We have reviewed our records and determined that your account is being accurately reported to the credit reporting agencies. Accurate credit reporting is required by law ; therefore we can not remove any payment history that has been previously reported. 

If you have any questions, you can reply to this e-mail or call Rider Services at ( XXXX ) XXXX-XXXX, and one of our representatives will be happy to speak with you. 

Enjoy your ride, Rider Services Team Harley-Davidson Financial Services Which is not correct we paid in XX/XX/XXXXfor XX/XX/XXXXAND XX/XX/XXXX I have attached my bank statement for that month.
Consumer complaint received 2018-02-28
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: First Data Corporation (TX)

Received letter dated XX/XX/XXXX on XX/XX/XXXX. Called regarding and business closed on XX/XX/XXXX. XXXX   XXXX XXXX called XX/XX/XXXX and provided incorrect information on debt. They called again on XX/XX/XXXX and harassed us about payment. Informed them I need to determine the debt. Contacted original service provider on XX/XX/XXXX and he was unaware. Did a three way call with service provider and XXXX  and found out need to do research to determine if service provider was paid through Telecheck. Was informed would not be bothered by XXXX  until we had time to verify debt. Received harassing call from XXXX 2 hours later about debt. 

Original debt was with XXXX XXXX XXXX which was paid on XX/XX/XXXX. XXXX XXXX XXXX used Telecheck to process the check. Telecheck claims paid XXXX XXXX XXXX immediately. No contact from Telecheck about problem reading the electronic form of check until XX/XX/XXXX. Was informed debt was transferred to Telecheck and they are using XXXX XXXX  XXXX to obtain payment. XXXX XXXX unaware of being paid by Telecheck for this amount.
Consumer complaint received 2018-02-28
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (TX)

I have an XXXX store card and was supposed to be receiving 5 % cash back on all my purchases, I have not received any 5 % cash back promos since XX/XX/XXXX. After speaking to Synchrony I was told I do not have an XXXX XXXX, I do however have an XXXX XXXX account.
Consumer complaint received 2018-02-28
Product: Credit card or prepaid card — General-purpose credit card or charge 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: JPMORGAN CHASE & CO. (CA)

See previous complaints filed about this same matter : XXXX & XXXX. Chase Bank Credit Card has still not provided an address or phone number or an email address for me to contact regarding the disputed transaction. Chase provided me with a contact for XXXX at XXXX XXXX, but not for the " XXXX XXXX  '' app which is a separate entity and who it was that charged my card in error.