davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

At this juncture i will like this report to be forwarded to the FTC against PORTFOLIO RECOVERY ASSOCIATES for abusive practices, and numerous violations of FDCPA rules. In a previous complaint number XXXX that has been closed, the company removed the false reporting from the credit bureaus but continued to send me notices and i responded to their notices the same way i have in the past, and again i check my credit reports today XX/XX/2020 and see they have AGAIN resisted andplaced this collection item back on my credit report after the removal It seems that PRA only removed the item to have the original complaint closed only to relist it again on my credit report. The LAST LETTER i received from PRA was DATED XX/XX/2020 and not even 3 weeks later they are again reporting this false item on my report without even waiting 30 days for a response yet again another violation from this agency. 


I have no debt with THIS collection agency. I have not agreed to the " assignment '' of the debt in writing or verbally. I have not received goods or services ( consideration ) from this collection agency. Your agency has sent a letter deeming this matter closed as your agency removed the account from my report and to date I find it relisted on XX/XX/2020, I will be taking more aggressive action against your agency, If your ( PRA ) agency fails to immediately remove fraudulent reporting on my credit reports which will result in a suit for monetary damages. 

I request that you and your agency provide me with the following good and valid evidence that is provable in a court of law : 1 ) a valid copy of the original SIGNED contract with the original creditor or an original written confirmation of evidencing the transaction resulting in the indebtness to the original creditor. Computer documents or a bill or electronic evidence created after default on the indebtedness shall not qualify as such documentation. 

2 ) a valid copy of the original statements from the original creditor showing the balance amount of the debt owing ; 3 ) A letter/contract of assignment attached with proof from the original creditor to PORTFOLIO RECOVERY ASSOCIATES, LLC that grants PORTFOLIO RECOVERY ASSOCIATES, LLC the authority to legally collect on the debt ; I have not agreed to the " assignment '' of the debt in writing or verbally. 

4 ) Proper and complete written notice concerning the debt ; 5 ) Valid proof from the original creditor of my clear consent to disclose my personal and business information to your agency a third party.
Consumer complaint received 2018-05-19
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: HYUNDAI CAPITAL AMERICA (IN)

On XX/XX/2014, I leased a 2014 XXXX XXXX. My payment date was the XXXX of every month and that worked just fine for the first XXXXwo years of the lease but then my financial situation changed. I am retired from my full-time position and try to work part-time to supplement my Social Security and pension. I live alone and have no family so I have to be self sufficient. My situation changed and I needed to start making my payments on the XXXX of the month when I received my pension. I called XXXX XXXX XXXX and asked if they could change the due date so I wouldn't accrue late fees. They said they couldn't do it but the dealer could. I called the dealer and was told that the lease was generated by XXXX so the change had to come from them After that I called XXXX every month to ask them to work with me. I got hung up on twice and they always refused to work with me. I asked for a supervisor and was told they didn't have supervisors. As a result, I finally quit calling and just continued to pay my lease on the first every month ( paid it online ) and they continued to ding me with late fees. I never missed a payment. 

When my lease ended I considered buying the XXXX but also looked at XXXX 's. I called XXXX to get the payoff and told them I was trying to decide between buying the XXXX or leasing a XXXX. When the payoff came out to be {$2700.00} MORE than the car appraised for, I went with the XXXX. One month later I got a bill from XXXX for {$840.00} -- -- - {$400.00} for a disposition fee and {$400.00} late fees plus {$47.00} tax on the disposition fee. I was completely unaware of a disposition fee as was the dealer. There was nothing on any of the lease end reminders and the lady I talked to about the payoff said nothing when she learned I might be leasing a XXXX. ( The disposition fee is charged if the customer chooses to not stay with XXXX ). 

I called XXXX and explained that I am a senior citizen on a very fixed income and I was totally unaware of such a fee. I also explained that I had tried for over a year to get them to change my due date and no one would work with me -- -- they were just rude when I called and hung up on me twice. I asked if, under the circumstances, they would waive both fees as I don't have that kind of money. They won't budge. I am sick to my stomach over it and would like some help in getting the fees waived. It will take me years to come up with that kind of money. I will NEVER have another XXXX.
Consumer complaint received 2018-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Before you attempt to read this message I want to let you know that this isnt a letter to collect debt. I am writing this letter as an affidavit and a dispute. The accounts listed in this letter is inaccurate and is an error. ERROR ACCOUNTS : XXXX, XXXX XXXX & INQUIRIES WILL BE IN THE ATTACHMENTS. I have contacted your company 90 days and you seem to be ignoring me which let me know that you are aware of every certified letter I sent to you and you have nothing with my signature bearing my signature or any documents that is attached to me. By law you must remove the items immediately and I am only allowing 24 hours for this to be resolved. I am unaware of the accounts and inquiries listed. I mentioned this in 3 previous letters 90 days ago but your intentions were all wrong and youve violated my rights as human being and Im forced to take legal actions for using my consent with out contacting me. This is a special moment for me knowing that we will be in court soon because you owe me time and damages that youve caused stress and more to my life than you ever can imagine. I  will be filing a lawsuit very soon and will be looking to be compensated an amount of {$30000.00} for all the damages.
Consumer complaint received 2020-08-03
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (VA)

I recently refinanced my residential mortgage with LoanDepot. The loan number is XXXX. The closing took place on XX/XX/2020 ( in person and socially distanced ). I was provided a hard copy of the closing documents. In the closing documents signed on XX/XX/XXXX, the loan amount was {$580000.00}. A closing balance from me, as the borrower, of {$1600.00} was required. Hence, I wired the {$1600.00} as instructed. So far so good. However, replacement closing documents were unexpectedly provided to me on XX/XX/XXXX. In those documents, the loan amount was increased to {$580000.00}. I was surprised by this, but, nevertheless, the terms were acceptable to me because a balance would be owed to me ( and, of course, my out of pocket costs would be refunded ). I signed the documents electronically. According to these replacement closing documents, I would no longer owe {$1600.00} out of pocket at closing. Instead, they showed that {$560.00} would actually be owed to me. Of course, since I already had paid the {$1600.00}, that amount would need to be refunded to me. In addition, {$560.00} would be paid to me. This totals {$2200.00}. I took screen shots of the documents that were provided to me on XXXX and signed electronically by me on that day. 
On XX/XX/XXXX, I wrote to LoanDepot to obtain their plans to pay me. I have since then made repeated requests and they have only said that they would look into this. I am now disturbed by their continual lack of attention to this matter or even to confirm that they owe me money. If this were difficult to figure out, I could understand their lack of a substantive response. However, not only is it straight forward, but all of the relevant information is in their possession. This should be routine for them.
Consumer complaint received 2018-08-06
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (AZ)

I have never been late with my minimum pmt. yet when it came time to pay in XXXX, 2018, they charged me a late fee. Raising my minimum from {$27.00} to {$32.00} " late fee ''. 

My XXXX statement shows I paid on time, yet my XXXX one shows a late fee. 

After MUCH trouble, I got a Best Buy/Citi Bank representitive who apologized and rolled my minimum correct pmt. back to the correct one. 

Although this issue was resolved, I'm afraid I'll have to do this every month as the phone number on the back of the card doesn't give one someone to discuss these matters with. Only machine telling one to press a number. 

I will attach XXXX and XXXX statements for information if needed. 

Thank you, XXXX XXXX
Consumer complaint received 2018-08-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (WA)

On review of my account after opening, I noticed a {$29.00} activation fee after the first charge was made to the account. I was not informed nor did I notice any documentation regarding this fee when signing up for the card. 

On XX/XX/2018, I requested a copy of my credit card agreement. About a week later, I received the credit card agreement and noticed that there was no disclosure of an activation fee under the " fees '' section of the agreement. 

Around XX/XX/2018, I contacted Synchrony Financial in regards to this fee and only received responses on an explanation of the fee. They did not address my concerns that this fee was never disclosed to me and is not part of my credit card agreement. Furthermore, they were unable to produce documentation showing that I agreed to such a fee, as I had requested. As such, I believe this fee was inappropriately charged to me and Synchrony Bank is refusing to refund it to me.
Consumer complaint received 2020-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (WI)

I want my free annual credit report and or a complimentary credit report from all three credit bureaus. the reason for this request is updated info and victim of three scams online including fraudulent charges and identity theft.
Consumer complaint received 2020-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

i submitted dispute with XXXX  transunion, and XXXX  regarding collection on account XXXX XXXX XXXX XXXX XX/XX/18 and current results were that account was accurate how can it be if it wasn't fully investigated. I provided factual documentation to support reason to why the charges are inaccurate and that i am not responsible for debt today results for XXXX was completed and online but it would not let me dispute error on website unless there is something wrong with their system this needs to updated and deleted from credit report immeditely. i need adequate proof this is owed i want to know what XXXX XXXX XXXX  is providing you to say this debt is accurate have you contacted XXXX XXXX original creditor regarding this account..did you get documentation from XXXX XXXX XXXX  beside a lease and ledger car like they provided me. need answers how are you conducting your investigation do you have a team work on this or is this all generated automated .. did you even look through the lease and compare ledger does it align with the contract did you request additional supporting documents. did you request early termination addendum its no way you can say these amounts are accurate and correct to the best of your knowledge when i provided proof of a 60 day notice to management who agreed to let me out of lease she stamped and signed which doesnt hold me liable for amount requested. thank you please review documents
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

am exercising my right under the FCRA ( 15 U.S.C. 1692c ( c ) ) to request that TransUnion cease and desist from communicating with any non-affiliated third-parties regarding my credit information. This cease and desist order is effective immediately upon receipt of this notice. 

Additionally, in accordance with the XXXX XXXX XXXX XXXX XXXX XXXX, I am providing the following XXXX XXXX Compliance Codes to assist with the removal of the disputed accounts : Account Status Code : [ XXXX XXXX Account Status Code ] { 88 } Payment Rating : [ XXXX XXXX Payment Rating ] { 89 } Special Comment Code : [ XXXX XXXX Special Comment Code ] I expect TransUnion and XXXX also XXXX! to comply with the FCRA and take appropriate action to correct these inaccuracies promptly. Failure to do so may result in legal action and penalties as outlined in the FCRA, including but not limited to statutory damages. 
am writing to express my deep concerns regarding the credit report provided by TransUnion, which contains false and inaccurate information. This information violates the Fair Credit Reporting Act ( FCRA ), and I request a thorough reinvestigation of these matters. I would like to highlight that TransUnion did not provide any method of verification when this information was initially reported. 

Specifically, the following accounts on my credit report are disputed due to being false and inaccurate : Account Name : [ XXXX XXXX XXXX XXXX ] Account Number : [ XXXX  ] Inaccurate Information : [ XXXX XXXX XXXX XXXX, Number of Times its Listed as Collection and Shows as Charged off ] [ XXXX XXXX, Account Number XXXX  ] INACCURATE INFORMATION : [ Shows as a Collection XXXX Months, Collection amount and Dates I believe that the reporting of this information by TransUnion has violated the FCRA in the following ways : Failure to Provide a Method of Verification : Pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), TransUnion or XXXX and XXXX did not provide a method of verification for these disputed accounts when initially reporting them. 
False and Inaccurate Information : The information reported is false and inaccurate, which is a violation of 15 U.S.C. 1681e ( b ) that requires credit reporting agencies to ensure the maximum possible accuracy of the information contained in consumers ' credit reports.
Consumer complaint received 2020-08-01
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: Bread Financial Holdings, Inc. (NJ)

I have a loan with XXXX XXXX XXXX, Comenitybank/XXXX, and XXXX  XXXX XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX  and XXXX XXXX XXXX, Comenitybank/XXXX, and XXXX XXXX XXXX XXXX with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-08-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Debt Mediation, Inc. (TX)

On XX/XX/2020 I sent a certified letter to Professional Debt Mediation for debt validation. I mention in my validation letter to please provide me with competent evidence that I had any legal obligation to pay them. i mention to please reply back within 30 days with proper documentation. If the office fails to respond to my validation request within 30 days from the date of receipt, all references to the account must be deleted and completely removed from credit file and a copy of such deletion request shall be sent to me immediately .On XX/XX/2020 a negative was still reported on my credit reports but still I never received a response to my validation letter with the requested information i asked from the professional Debt Mediation. I provided a four page validation letter package for the company to complete but they never responded.
Consumer complaint received 2020-08-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (WI)

We had a balance of {$660.00}. We accidentally made two payments totaling {$1000.00}, which was over the balance owed. We noticed immediately and were unable to cancel the payment online. We called and they told us they would issue the overage ( {$330.00} ) back to our bank account in 7-14 days. They next day, they charged us {$160.00}, which was our previously scheduled monthly payment ( account was paid off, we shouldn't have been charged anything after that and they said that we would not, now that our account was paid in full. ) We contacted them again and were told that they were so sorry and now they owed us {$500.00} within the next 7-14 days. ) After that time frame passed and we did not receive the funds back, we contacted them again, they apologized and said it would actually be up to 45 days and the previous reps didn't know what they were talking about. They said we would receive the {$500.00} back by XX/XX/XXXX at the latest. We confirmed - AGAIN, that no more funds would be taken out and that we would receive the funds back by XX/XX/XXXX. They assured us 100 %. In the meantime, they took out another payment of {$160.00} on XX/XX/XXXX. This brought the total owed to us from Wells Fargo to $ XXXX.We contacted them immediately and they apologized profusely and said they would " rush '' the refund on the XX/XX/XXXX payment and we would receive it in a few days. We did not. This time we waited for XX/XX/XXXX to roll around. When we did not receive anything back from Wells Fargo, we contacted them on XX/XX/XXXX. They apologized again and said that everyone else we spoke with previously was wrong and it could actually be 60 days before we would receive anything back. They did not know or have the ability to answer why they were continuing to charge us even though we had satisfied the total account balance ( + {$660.00} ). They  continue to debit money while lying about when we will receive our refund. We are now 48 days out from the original complaint and have still haven't received any refunds of the money they have taken from us after our account was satisfied and without our consent.
Consumer complaint received 2020-08-03
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: MARINER FINANCE, LLC (OH)

I was told by XXXX at Mariner Finance on XXXX XXXX, 2020 to payoff {$9000.00} before XXXX. XXXX, 2020 and there would be no interest or fees. I asked her repeatedly & she even circled the amount on my document to confirm that if I paid {$9000.00} before the 1st due date which is XXXX. XXXX, 2020 there was absolutely no interest or fees. When I called on XXXX XXXX, 2020 to confirm the payoff amount before bringing the funds into their office ( ie:1 month later & I accrued {$400.00} interest? ), they gave me a different amount of {$9400.00}. Which I tried to correct them that was incorrect from what XXXX told me & circled on my document, but they refused to listen & stated unless I paid {$9400.00} on XXXX XXXX then I would continue accruing interest before my 1st due date of XXXX. XXXX, 2020. I contacted their Branch Manager XXXX the day after, but she refused to listen to me that what I was told should be honored & that I paid before the 1st due date of XXXX. XXXX, 2020. Therefore there should be no interest or fees. Not to mention they ran my credit report for the 2nd time after I was already approved the 1st time. I also was blind-sided with them taking the title to my car for collateral, which that was not initially discussed over the phone. I would like this issue resolved with reimbursement of {$400.00}, which is the difference from the {$9000.00} that I was originally informed to pay before XXXX. XXXX, 2020.
Consumer complaint received 2020-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I was made aware of several accounts reflecting badly on my credit today XXXX when I was turned down from getting a personal loan at XXXX. I had no idea these accounts were on my credit because I did not open them and I did not allow anyone to open them on my behalf. I did not benefit anything from these accounts that were opened in my name such as money, goods, services or any other benefit nor did I take part in any payments made towards these accounts. I do not have any written/verbal contract with any of these companies and I never allowed them to access my credit information. I have filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these unauthorized accounts.
Consumer complaint received 2020-06-01
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: Experian Information Solutions Inc. (IN)

On XX/XX/XXXX, I mailed Experian a letter disputing 3 accounts such as : XXXX XXXX XXXX  XXXX XXXX, and XXXX XXXX. On XX/XX/XXXX, I received a letter from Experian in response to my dispute advising the credit items for XXXX  and XXXX  XXXX has been deleted from my report, but XXXX XXXX remains due to the company certifying the info. is accurate. So on XX/XX/XXXX, I mailed a certified letter to Experian requesting that they provide their Method of Verification, the name, address, and phone number of the person contacted regarding this alleged account, and any documents provided by the company, bearing my signature, showing that I have a legal binding contract with the company and that I am obligated to pay them the exact amount claimed in my file. To my surprise on XX/XX/XXXX, I received a response from Experian advising they will not be reinvestigating my dispute because the creditor has already verified the accuracy on this account and they are claiming the info was obtained from a public source, such as a court or government office. They are also asking me to provide additional info to support my claim and then they will reinvestigate ; I don't have any information on this account because clearly I don't recognize this creditor which is why I sent my initial dispute and which is why I would like to see the signed contract by me with this company obligating me to this account and this exact amount claimed.