davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

I had applied for a mortgage and found out th at Portfolio Recovery Associates wa s reporting a collection account for a  XXXX   XXXX  credit card debt. I have NEVER had an account with  XXXX   XXXX  ever. I have told all  XXXX  credit bureaus this as well as Portfolio multiple times. I have sent certified letters asking for proof of this alleged debt and all they have sent me was a couple of  XXXX   XXXX  statements not showing anything that was actually purchased. The balances on the statements they sent me do NOT match what they are reporting to the credit bureaus either. This is my last effort to resolve this erroneous account before i send this to my consumer protection attorney to sue them for FCRA, FCBA, FACTA and FDCPA violations.
Consumer complaint received 2017-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Ste
p 2 : What type of problem are you having? Deletion of bankruptcy with Transunion Step 3 : What happened? I spoke with a lady in the special handling department at transunion and I asked her how she got the information about a bankruptcy with my name under it. She told me that they have a 3rd party that looks into these things and places them on your credit I sai  d how did you get my social security number. She told me that the courts gave it to the company (   XXXX   ). I called the courts ( spoke to a lady named  XXXX  ) and she said we do not and can not give out someones full social security number. When I told transunion that, she told me well what do you want me to do about that? I told her take it off my credit report and she told me no and gave me consumer financials information if I had a problem Step 4 : What co  mpany is this complaint about? transunion Step 5 : W
ho are the people involved?
Myse  lf  (   XXXX   XXXX  ) and Transunion
Consumer complaint received 2017-05-25
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Bread Financial Holdings, Inc. (MI)

PayPal has no idea how their system operates : I have a {$2200.00} line of credit with PayPal but have been unable to use it. Paypal 's security system continuously denies my charges regardless if amount is {$100.00} or {$1500.00}.   I have called numerous times, spending hours on the phone over the last few weeks and NO-ONE at  paypal  is able too provide or understand why I have been unable to use my line of credit. Paypal is in direct violation of our agreement  ( contr act ) and has provided false information soliciting me to obtain credit through them. They have also damaged my credit reports by making an inquiry and adding a new account, which I am unable to use. I have literally tried everything. During these phone calls, Paypal reps have advised me to attempt different methods. I have with no success. I have even attempted with a rep on the phone who claims to have tried forcing my transaction through. There is no identity issue with me as I have always called from my phone and have passed numerous identity questions and test. Paypal simply has a security system they do NOT understand and are unable to adjust or get around. Basically Paypal 's system controls everything, and does not allow a human wether it be a PayPal rep, supervisor or someone from the risk department. to adjust. This is INSANE and then public should be aware. If you research Paypal complaints, there are literally tens of thousands, most about the same issue. I have never seen a company with more complaints. Additionally, this has hurt my business relations with others. When I purchase something and promise to send funds and this funds are denied, people tend to be wary of doing further business with you.
Consumer complaint received 2017-05-25
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Good morning, On  XXXX   XXXX   2016 I o rdered  XXXX  pills off of a page on  XXXX . It said I only haf to pay for shipping and handling.   I got a text from my Bank to authorize the transaction. It was  XXXX  amount s :  XX/XX/XXXX   -  XXXX  - {$4.00} ( Declined ) ;  XX/XX/XXXX  -  XXXX  - {$1.00} ( Approved ) ;  XXXX  -  XXXX  - {$4.00} ( Approve d )  The total was {$11.00}.   I accepted that.     A few days later I got the wrong product. It also contained gelatin, which I 'm  XXXX  to.   I sent them an email telling them I received the wrong product, I was told to call customer service.   Being that it was a   XXXX   XXXX  , my mom said to forget about it. She would take the pills.   I thought that would be the end of it.   A few days later I was checking my bank statement and saw to transactions that I had not made.  XXXX  of them for {$79.00} and another  XXXX  for {$69.00}. I was waiting for them to be posted so I could contact the bank ( they were still pending ).   When I called the ban k ( B ank of America ) I was told to call them, the scammers, and ask for a returner address and return the product being that it was never opened and to close my account. When I called the scammers on  XXXX   XXXX  they said there was nothing they could to about it, they do n't accept returns and I was outside of the two week trial. I did n't even know there was a two week trial. That said that when I signed up for it I was accepting to be billed every month. I would have never signed up for it if I had known, I would have paid a few extra dollars and ordered it off of  XXXX .   I was offered a 50 % refund, I kept on fighting over the phone, then a 75 % refund and that was all that could be done. I kept on telling him how it was all wrong, etc. They are scamming people, ripping them off and that 's just not right. I asked them to close any account I did not open with them so that I would never be charged again.   I called my bank back and the person who attended me said that I should just take it, being that there was fine print that they probably would n't be able to do anything about it and I would n't get anything back.   Now I 'm waiting to get my {$110.00} refund.   I still want the other {$37.00} + shipping. I never even received the proper product.   I work very hard for my money, it 's not right for people to just take it away like that.     Thanks.
Consumer complaint received 2024-09-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I was fraud for XXXX  thru my debit, my bank stopped 1 charge but didnt not stop others and trying to get Bank Of America to reverse the charges and they wont how can a bank say they have zero liability for their customers on fraud charges and wont work with me the reasons Im getting are they didnt drain my account, I had to have authorized them. Ive filed reports with both the FBI and FTC online in XXXX and still waiting to hear back. I also had a fraud for XXXX and XXXX trying to purchase a XXXX vacation. I believe both were related to each other. Please I need help. Im supposed to be taking the XXXX to XXXX XXXX on XX/XX/XXXX but looks like I have to cancel since the bank wont work with me.
Consumer complaint received 2017-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

First name :  XXXX  Last name :  XXXX  D.O.B: XX/XX/XXXX  Last  XXXX  digit of mySSN #  XXXX  Primary phone: XXXX  email :  XXXX  XXXX  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX  , NY  XXXX  My car  XXXX   XXXX   XXXX   XXXX  #  XXXX , was  financed  by  XXXX   XXXX   XXXX  LOCATED AT  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX , CONTACT: XXXX , The original  loan  of my car was {$32000.00}. Loan account number #  XXXX .   I am complaining the loan never been reported to any of the credit bureau  XXXX ,  XXXX , Transition. Unfortunately i 've tried to resolve the issue with   XXXX   XXXX   XXXX  .
Consumer complaint received 2021-01-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: The Law Offices of Daniel C. Consuegra (GA)

On XX/XX/XXXX, I made an ACH payment to Rent Debt Automated Collection, an account that was under my maiden name at the time. Since then, I have received a collection letter from XXXX XXXX XXXX, dated XX/XX/XXXX for credit card debt in which I owe {$5400.00}. I called and spoke with Mr XXXX XXXX on XX/XX/XXXX to initiate a payment plan. It was agreed and electronically signed to begin making {$270.00} monthly installments on XX/XX/XXXX. However, the payment was rejected by XXXX XXXX as a " non transaction account, '' ineligible to receive this type of payment. I continued to call the collection agency for about a month with no answer, until XX/XX/XXXX. Again, I spoke with Mr XXXX to initiate the payment plan process. Installments are suppopsed to resume on XX/XX/XXXX. My complaint is regarding the timing of receiving debt collection letters. XXXX was the payee, however XXXX XXXX XXXX must have had ownership of my account since XXXX, XXXX when I received their letter. Regardless, not realizing my account was being sold to another collection agency is where my frustration lies. In addition, I have had two more collection account letters for credit card debt under my maiden name from XXXX XXXX XXXX dated XX/XX/XXXX. This collection agency along with the original creditor, XXXX XXXX, is listed as ( 4 ) delinquent ( deragatory ) accounts on my credit file with amounts of {$11000.00} ( 2x ) and {$6200.00} ( 2x ). I began working with a local credit repair company, XXXX XXXX XXXX, in XX/XX/XXXX with no success of the removing deragotory accounts from credit file. Currently, I am working with XXXX XXXX XXXX NY ), who is assisting me with inquiry removals and credit repair. After months of not being able to reach XXXX XXXX XXXX, I finally spoke with a live person on XX/XX/XXXX. Apparantly, my account was transferred to the Law Offices of Daniel C Consegra in Tampa, FL. I spoke with XXXX the same day to initate a payment agreement and have yet to receive a response.
Consumer complaint received 2017-05-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Sent mortgage payment due on  XXXX   XXXX ,  2016  in  XXXX   2016 , received by Bank of Ameri ca ( BAC ),   XXXX   XXXX ,   XXXX  . Between time payment sent and due date Bank of America raised payment amount due because of increase in escrow. Difference sent and received by  BAC   XXXX   XXXX ,  2016 . Payments due by  XXXX   XXXX  to avoid late fee. BAC did not credit account with difference until after late fee due date so that they could charge late fee of {$69.00}. I have contacted BAC regarding this and have received no response.
Consumer complaint received 2017-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Auto Trakk, LLC (SC)

I have sen t AutoTrak sev eral letters regarding the inaccurate information they are reporting to credit bureau but they consist on continuing sending false information and they also are re-ageing this account to keep it on my credit report longer.This is really hurting me financially and mentally.   I recently disputed this account with the credit bureaus and the information was reported as verified and accurate.I 'm sure we both understand that most disputes are often conducted using software, such as  XXXX , and that mistakes can be made.   On  XXXX  -17 I sent t hem a certified letter asking them to investigate. Also to send me an explanation of the methods used, and a description/copies of records reviewed, when they conducted their investigation so I can conduct my own investigation into the accuracy of their records and verify that a reasonable investigation was completed. According to FCRA if they can not perform a reasonable investigation they have to remove this account from the credit bureau ASAP!   If not i will sue. The original creditor can be held liable for reporting inaccurate informati on (   XXXX  vs.  XXXX ,  XXXX  vs.  XXXX   XXXX   ), the FACTA l egislation passed recently allows the consumer to go directly to the original creditor and dispute information which the original creditor ( called the information furnisher ) in the FCRA, has supplied to the credit bureaus.   .
Consumer complaint received 2017-05-30
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: ProCollect, Inc. (IN)

Fraudulent debt collection practices  : PROCOLLECT IN  C  XX/XX/XXXX  to present  XX/XX/XXXX .      I previously filed a dispute and never received notice of outcome or request for further information with  XXXX  in  2016  once I received a letter from the aforementioned collection company informing me I owed them money on behalf of  XXXX   XXXX  in  XXXX   XXXX , IN  XXXX  ( I believe they are now run  by    XXXX    a Real Estate Company ). Th ey have changed companies many times since I lived their and were undergoing foreclosure/bankruptcy when I moved out after my lease was up.     The letter I received from PROCOLLECT stated I owed in excess of  1400.00 for  damages made to an apartment I hadnt lived in for months. I was NEVER contacted by the actual apartment complex or manager  XXXX   XXXX   ( who  I had many issues with over the course of my tenancy ). I immediately contacted the apartment complex, left messages and emailed asking to speak to the actual management company and not  XXXX   XXXX . The only call I got was from her and she refused to give me the number to contact anyone but herself ( we had some very real issues when she accepted my dog and falsified his breed on paperwork to get my deposit money and then subsequently told me he was not allowed to stay there due to his breed and I couldnt renew my lease, this was also after my neighbors dog attacked mine and he threatened me which resulted in his arrest and the removal of his dog ). That caused  XXXX   XXXX  some issues when trying to explain why she accepted my dog because of his breed. So at this point she was trying to cover herself and upset with me because I filed a report. The letter from collections stated I owe monies for damages to the apartment. I asked for proof of damages, pictures a signed copy of the move in and /move out walkthrough that they never showed up to complete upon either. I also again was never contacted by them in an attempt to collect any monies even though they had my address and phone number. They also did not list the  XXXX  pet deposit with my  XXXX  security deposit I paid. On the invoice I received from collections it wasnt listed as being deducted from the alleged damages. Neither company can provide any documentation to support these charges. I will also be filing a complaint with the better business bureau and contacting the newest management company in regard to this matter and detailing my interactions with  XXXX   XXXX . The only reason this ever went to collections is because I was never notified for a reason. Neither of these companies have any proof of debt other than  XXXX   XXXX  falsified invoice.
Consumer complaint received 2017-05-25
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Navient Solutions, LLC. (CA)

I attended school at  XXXX   XXXX     XXXX   XXXX    -  XXXX   XXXX  years ago, probably  XXXX  or so, and in order to do so I applied for FAFSA loans. Most of my loans were set up through the Department of Education.     I am a single Dad, and at the time I was offered what they called " Creative Education Loans '' which were private loans. Although I was not told this at the time. They were sold to me as the same type of loan and situation as my Department of Education Loans.     Furthermore, as a sing le Dad I qual ified for grants which I was not informed of until  my 4th  year at the school. I was only able to take advantage of these loans during that final year, when I should have been able to take advantage of the loans for all 4 years.     I feel I was preyed upon by predatory lending by the school finance department.     I began repaying my loans in  XXXX  - with {$92000.00} and {$10000.00} in accrued interest. I can not afford my loans, but earn a  XXXX  figure salary. Therefore I do not qualify for any programs which can assist me. My son is now  XXXX   years old (  he was around  XXXX   years old wh en I started back at school ). I still owe {$94000.00} ten years later - and am having trouble making the payments with my housing costs and being a single Dad.     All of this is very frustrating and I 've been searching for ways to get out of debt, to no avail. I would love some help please.
Consumer complaint received 2017-05-25
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch (CA)

I was contacted 2 days ago after receiving a slew of phone calls to my cell and work by  XXXX  separate phone  # s cl aiming that I owe a debt to this collection agency calle d Professional Bureau of c ollection of Maryland for a  Federal Family Education Loan in t he amount of {$690.00}. I do not owe this debt and it has nothing to do with me. The  XXXX  phone  # s th at called me are  XXXX  - a guy named  XXXX  and the other # is  XXXX  - a woman answered the phone when I called it back and stated the name of the company. In addition to not owing a debt for a student loan, onl y 1 le tter was sent to me ( see attachment ) with the date of  XXXX   XXXX . By law, they are supposed to give me 30 days to dispute this debt as invalid before skiptracing me and taking aggressive actions. I did not receive this letter until 2 days ago. They called my place of work and did not even call my extension after being given it. This  XXXX  person told my co-worker, who happens to be my  manager - every thing about this : the amount, " case # '', what it was for, that I had n't responded, that they would be " showing up with documents '' at my place of employment and this was all after being asked if  XXXX  wanted my extension to call me directly and leave a voicemail. He chose to provide confidential information illegally to someone else other than who the message was intended for. They continue to call me at every number at work - the direct customer service line, other extensions, etc. Each time, they threaten to come to my place of work and serve me some unknown documentation. I know my rights and I am aware that this practice is illegal. This company needs to cease and desist immediately ; they have the wrong person and besides that, to reiterate : these are illegal practices! When they call my cell phone, they leave no messages and yet want to tell my co-workers everything? How is this legal? I looked them up and there are a TON of rip-off report claims and other CFPB complaints against them! They were aggressive and demeaning.
Consumer complaint received 2017-05-30
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: WELLS FARGO & COMPANY (TX)

XXXX   XXXX   XXXX  had a no interest money back guarantee  with Wells Fargo. T he guarantee was if the  XXXX   XXXX  and product did not work properly then return the   XXXX    XXXX  for full refund. I returned the  XXXX   XXXX  because I was told by  XXXX  that my   XXXX   XXXX   were too small and could not work properly.  XXXX  agreed that the   guarantee was not met and thus they would take care of debt with Wells Fargo.
That is the last I heard of it. I do not owe Wells Fargo an  y money for   XXXX   XXXX    XXXX  in  2014 .     Further, they have and continue to violate  my HIPAA and PHI rights by communicating information protected under HIPAA to many third parties that have not right to any of my protected Medical Information. They have communicated this HIPAA vio lation while I have been on the phone and they are communicating to a third party without my authorization.      XXXX  also continues to communicate with third p a  rties and violate my HIPAA rights. Now we have our attorney working to correct and protect my PHI and HIPAA rights.
Consumer complaint received 2017-05-25
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: WELLS FARGO & COMPANY (FL)

O n  XX/XX/XXXX  I an d my husband went into  Wells Fargo B ank located at  XXXX   XXXX   XXXX .  XXXX   XXXX  Fl.  XXXX  we felt we were made a mockery and very much so Discriminated against, as we sat down at her desk i informed her of the type of loan we were inquiring about, which was a ( Unsecured Personal Line Of Credit ), which then she suggested for me to apply for only {$5000.00} Dollars and she stated that that type of loan highest limit was for only {$25000.00} Dollars, so my husband went o n Wells Fargo Bank website on his phone then showed her that the loan has a Minimal of {$3000.00} Dollars and the Maximu m was for {$100000.00} Dollars then she said oh I did n't know that, so she says how much would you like to apply for, in return i told her for {$100000.00} Dollars. So she laughed at us, so when she finished laughing at my reply for {$100000.00} Dollars, my husband ask her what was so funny about the amount my wife mentioned, she in return says I 'm not laughing at you, im laughing with you, which i nor my husband was laughing or found anything to be funny Concerning the amount I applied for. After that As she processed the loan we fouund her to be very Discouraging with certain things she was saying about how I did n't have enough money in my account at the time, and i need to try for a lower amount and that I needed to make at least {$8000.00} Dollars a month in order to be approved for this type of loan. So she submitted the loan and it was Denied Instantly. so i ask her why was i Denied and she said because of my income debt to ratio was 74 % and she told me that I would get a letter in the mail, so the next day I called the Cred it Bureau (  XXXX  ) to see w hy my income debt to ratio was so high, when she calculated a 2 % income debt to ratio when she was processing the loan application.  XXXX  informed me that my credit report was up to date with the right information and that the same credit report that i have, is what 's in there system aswell. So i call ed Wells Fargo  Bank loan Department on  XX/XX/XXXX  to ask why was i denied the day before in the branch, and they said because of my account was not old enough when I specifically inform her when she was processing the loan application that I had my account every since  XXXX . I still dont know what information she put on my application, and at this point I really dont know what or who to believe. So  Wells Fargo Loan Department informed me that they will resubmit the loan Application, and I did file a complaint with Wells Fargo Bank concerning this incident & her behavior towards us.