davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : Bank Name : XXXX XXXX XXXX XXXX XXXX Routing # : XXXX Account # : XXXX Open Date : XXXX Bank Name : XXXXXXXX XXXX XXXX XXXX XXXX  Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Bank Name : XXXX XXXX XXXX XXXX Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Bank Name : XXXX XXXX XXXX XXXX Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Bank Name : XXXX XXXX XXXX XXXX Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Bank Name : XXXX XXXX XXXX. 
Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Bank Name : XXXX XXXX XXXX  Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Bank Name : XXXX XXXX XXXX Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX
Consumer complaint received 2024-09-09
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: NOVA Financial Holding Company, LLC (AZ)

XXXX XX/XX/year>, I received a letter stating that an escrow analysis was conducted and there was an {$97.00} shortage, which I decided to pay as a separate amount to not make my monthly payment increase. I paid the complete total amount for the shortage. 

For the my upcoming XXXX and XXXX statement my monthly mortgage payment had increased {$7.00} dollar per month, from {$2100.00} to {$2100.00}. I called my bank support and to my surprise I was informed they ran a second escrow analysis without informing me, as I hadn't received any letter regarding that second escrow analysis. I told the bank support technician that I had received that letter I would have paid it separate instead of making my mortgage monthly payment increase. As you know, my monthly payment is already high with a 6.7 % interest rate, I would never want to make my monthly payment increase. 

I can provide of statement, and receipts, if requested.
Consumer complaint received 2024-09-10
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (TX)

I received a credit card from Comenity Bank partnered with XXXX XXXX. The last charge that I charged to the XXXX Comenity bank credit card was on XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX  in the amount of {$58.00}. Comenity chared me a MINIMUM INTEREST CHARGE '' of {$2.00} ON XX/XX/XXXX. On XX/XX/XXXX I submitted a payment of {$60.00}. They charged me a late fee of {$37.00} for being 1 day late. Which I am fine with. What I am not okay with is the fact that I have not made a single charge to my XXXX XXXX XXXX credit card since XX/XX/XXXX and XXXX continues to charge me a " LATE FEE '' for their own " FEES '' they are accruing. I have since accrued XXXX {$37.00} late fees for a total of {$110.00} and I did not borrow a single dime to accrue these fees. I would like these fees credited back the the XXXX XXXX, zeroed out so I have a {$0.00} balance and close/ TERMINATE this card so I do not accrue another FEE FOR A FEE which is absolutely absurd and ILLEGAL! The amount XXXX  is allowed to charge is regulated by the law.The law states they are not allowed to charge more than how much is actually borrowed. In this case, I have paid all my debts to Comenity bank and I have borrowed {$0.00} additional dollars from Comenity Bank. The balance on the card is from Comenity Bank illegally collected fees on money I HAVE NOT BORROWED. I would like to receive a response within XXXX  days from Comenity Bank. If a response is not received on how this problem will be rectified, I will reach out to my XXXX  state attorney general On top of it all, XXXX has been charging me a " Minimum MINIMUM INTEREST CHARGE '' of {$2.00} monthly since XX/XX/XXXX to current XX/XX/XXXX. I don't even know what this charge is for or why it was applied to my credit card
Consumer complaint received 2024-09-12
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK (NJ)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 

DISCOVER FIN SVCS LLC XXXX
Consumer complaint received 2024-09-09
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AR)

VALIDATION AND CEASE AND DESIST Collection agency name : Portfolio Recovery Associates , LLC Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account number : XXXX Your NAME : Your address : Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter
Consumer complaint received 2024-08-06
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL (CA)

Buisness : Ashley Furniture Date : XX/XX/year> Location : XXXXXXXX XXXX  Store employee started discussing a purchase with possible total prices and potential monthly payment but with no finalized numbers yet. The employee suggested to do a prequalification before we finish looking through the rest of the store. We were under the impression that it was just a prequalification but after the intial information was placed the employee clicked through the screens without stopping to explain what was going on. The next thing we know a recipt is being printed that says you have been approved and a credit care will come in 7-10 days. 

I stopped the employee at this time and tried to verify that we didnt just get signed up for a credit card. Informed him we would be very upset if that was the case. The employee assured us that there was nothing to worry about, things were not even finalized yet, and it could still be cancelled. 

We sat down to go over some numbers. Said we would think about it. And asked one final time, " we want to make sure that we did not get a credit card ''. The employee acted XXXX and said " no of course not, you have not purchased anything ''. I asked him if he understands you can get a credit card without buying anything and he appeared very confused. I asked to see the manager at that point. 

The employee started to walk us to the center of the store before telling us to wait. He then walked up to the manager ( within earshot and still in close visual proximity ). The employee explained to the manager a little bit of what was going but changed the story to fit his narrative ; I explained to them what was happening, they know what was going on, i am just doing my job, i don't know why they are so upset, etc. The manager then came over. I asked if there is now a credit card in my name and he said yes. I started to explain to the manager what happened but the employee constantly interupted and talked over my wife and I. 

At one point my wife said " this is fraud, this is a bait and switch '' and the manager shook his head yes. The employee said he can call Syncrony and cancel it and it's not a problem and there is nothing to be upset about. We then asked that manager if that is realistic and how long it would take. The manager aknowledged that it doesn't work that way and I would have to be the one to call and try to get things sorted out. The managers take away is that it is done and there is nothing they can do about it now. The employee continued to point out that a purchase was not made so I am pretty sure he still doesn't know how credit works.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IN)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2024-09-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: U.S. BANCORP (CA)

Hello, so the situation is a check that I wrote to pay our landlord. XXXX XXXX XXXX XXXX. The check was/is from XX/XX/year>. The amount is {$5000.00}. The check was never received by the landlord and the company that manages the property we rent from. We have been in our location for 5 + years, and we have NEVER experienced an issue like this. The bank that the check was cashed is from US bank and its been two years now me having to go to the bank, give fingerprints, open a case and the case NEVER gets resolved. its just alot of running around and back and forth, and the case never reached the person that is suppose to. and the case gets dismissed. I have gone to the bank several times to do this process. They fraud department recommended me to complain here. I am coming up on two years now with my {$5000.00} just missing and the bank has done nothing to replace or figure who cashed the check. 

Please if there is any way I can be advised what else I can do to replace my money? The bank has my fingerprints and I've been dealing with this for two years. I don't know what else to do and the bank has not done much at all.
Consumer complaint received 2024-09-09
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AR)

VALIDATION AND CEASE AND DESIST Collection agency name : Portfolio Recovery Associates , LLC Address : XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX Account number : XXXX Your NAME : Your address : Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would Like for all listed accounts to be blocked and deleted company information EXPERIAN. Please delete the following accounts. XXXX XXXX XXXX XXXX. {$340.00}, XXXX XXXXXXXX {$100.00}, XXXX XXXX XXXXXXXX
Consumer complaint received 2024-09-10
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: CULLEN/FROST BANKERS, INC. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2024-09-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC (FL)

On XX/XX/year> a collections account appeared on my credit report from FXXXX XXXX XXXX XXXX XXXX XXXX and being collected by Credit Management Company. 

- I have never been to the clinic in question, and or, any hospital in the past several years. 
- This company is a known scammer, it looks like they purchase SSNs and then file false collection accounts against them.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hello. 

I still have issues accessing my credit report for TransUnion via their company portal, XXXX.transunion.com, or XXXX. I thought this was rectified from my last complaint, however, the problem is still prevalent.
Consumer complaint received 2024-09-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (TX)

To : XXXX Wed, XX/XX/2023 at XXXXXXXX XXXX RE : Account # XXXX DEBT VALIDATION LETTER To whom it may concern, This letter is being sent to you in response to a listing on my Credit Report.

Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 

If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My XXXX XXXX XXXX XXXX XXXX to my deceased grandmothers bofa checking account thats been closed for at least two years. Neither the bank or school is saying they can do anything and the situation is quite frustrating.
Consumer complaint received 2024-09-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PROVIDENT FINANCIAL SERVICES, INC. (NJ)

Had account with XXXX XXXX  the bank was sold to provident bank had online banking with my business account now cant login in and provident bank tells me they cant find my account have no access to online banking or information on my account
Consumer complaint received 2024-09-12
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (VA)

This is the second credit card that Synchrony Bank closed of mine. I have never been 30 days delinquent and they closed by Sams Club Account ending in XXXX. Synchrony did not send me any letter nor email notifications regarding why they closed my Sams Club Account on XX/XX/year>.
Consumer complaint received 2024-09-11
Product: Credit 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: CAPITAL ONE FINANCIAL CORPORATION (TN)

I made a purchase for a stock footage film subscription, for what I thought was roughly {$5.00} on a european website, but was actually a {$5200.00} charge. The website omitted the cents portion of the cost on their website which made the price confusing. I then disputed the charge with my credit card company, to which every time I submitted documents about the case, they keep giving vague responses and avoiding direct answers to my dispute about the cost. I've gotten nowhere with them, and I get the impression that they are just trying to avoid resolving the dispute. 

To add insult to injury, this purchase was used to support a cancer donation video, which raised far less than the {$5200.00} I was charged.
Consumer complaint received 2024-09-09
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: A&D Mortgage LLC (CA)

Interest Addendum to Note was all that was provided with no details of the formula pertaining to the amount specified on the Payoff Demand for Default Interest. 
I am questioning that this note was also not listed properly in the loan disclosure documents signed prior to the loan documents and would like A & D Mortgage to provide this signed disclosure.