davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-25
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV INC. (GA)

I tried to pay a bill using my prepaid card, however the money was caught out in " XXXX '' and never got paid to the company. Its still pending even now. I have called the bill company and spoken to my prepaid card company all week with no resolve from the prepaid company. I have asked them to release my funds since XXXX XXXX, which is the date of the transaction and they have refused. I cant pay my bill. I need them to resolve this issue, but they have been unwilling thus far to help me. That's my money and I can't access it.
Consumer complaint received 2019-06-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Thrift Investment Corp. (NJ)

I called Thrift Investment Corp. on XX/XX/2019, and spoke with a man by the name of XXXX and explained to him the reason for my call. I told him that the contract states the cost of the loan is {$820.00} for 21 months. I told him that if you divide {$820.00} by 21 months, it should cost me roughly {$39.00} per month in interest. I spoke with another representative earlier in the day and was told I am being charged {$2.00} per day. I told him If you calculate {$2.00} per day for 30 days, that comes up to over {$60.00} per month, and if you multiply {$60.00} per month times 21 months, it will be well over {$820.00}. He said that's not how they calculate interest. He said you start off paying more in interest and then later on you will pay less as the balance of the loan goes down. 

He then told me to XXXX amortization and read about it. I told him I didn't want to XXXX anything. I wanted him to explain to me why the contract does not state that interest would be paid in higher amounts in the beginning and then reduced later on. He then said " I am not here to teach you ''. After being totally shocked at his response -- I asked him to send me a schedule showing how much interest I will be paying each month over the life of the loan so I can know where the money is going to, ( principal v. interest ). He said " I don't have that ''. I then told him I would contact Consumer Affairs and perhaps they can get the information I am seeking. He said in a very sarcastic tone " good luck with that ''. 

I believe I have the right to know the breakdown of my monthly payments over the life of the loan -- how much is going towards the principal, and how much is going towards the interest. I don't know if they take out the majority of the interest within the first few months so that if the loan is paid off early -- they will have collected the majority of their finance charge. I do feel they are obligated to provide me with the breakdown of my payments, ( principal v. interest ), over the life of the loan. Please help. Thank you.
Consumer complaint received 2019-06-20
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

After sending information to verify myself with my disputes ( XX/XX/2019 ) by means of a XXXX XXXX XXXX, Equifax has failed to respond. They have violated the FCRA, it has been more than 30-days. Please see items below ACCOUNTS XXXX XXXX XXXX   XXXX not mine
Consumer complaint received 2021-06-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: PNC Bank N.A. (PA)

I asked PNC if they had covid options for help. They said yes, asked me a few questions. They said to help me yhe must lowerer my avail credit limit to z {$6600.00} from $ XXXX. & they would lower rate to 5.9 % I told them never mind I was ok. 1 week later in mail I get lowered credit limit to {$6500.00} & they say it was a random review!!! Yea right. 1st if all, do u really think during a pandemic you should do random reviews???? Keep in mind I have not had 1 later payment w/ anyone for 73 months!!!!! XXXX!!! They lie. My # 1 gripe is reviews that then hurt people during pandemic!!! People are hurting help them dont kick them when there are down.
Consumer complaint received 2021-06-11
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. (FL)

I disputed a paid-close account ( XXXX XXXX # XXXX ) opened XXXX. My issue with the account was not resolved. I spoke with XXXX XXXX on XXXX about my account # XXXX and having it removed. The agent informed me that upon completion of payment for the account XXXX XXXX sent out a notice to have it as paid status and removed from my credit report. She also stated that I would have to contact the credit reporting agencies to inform them of this and to have the account removed from my credit report.
Consumer complaint received 2021-06-11
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: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I have asked for debt validation from Portfolio Recovery for Debt Validations since xx/xx/xxx to present. I have attached my last 2 communications requesting the same information in addition to other proof of claims that have yet to be answered thoroughly. I have certified mail receipts request with failure to follow through and return my receipt required tracking. Portfolio Recovery has not send me the following information I requested : name and address of alleged creditor, name on file of alleged debtor, date this alleged debt became payable, date of original charge or delinquency, was this debt assigned to a debt collector or purchased, amount paid if debt was purchased, commission for debt if collection efforts are successful. My request for the agreement between Portfolio and their client, signed agreement debtor has made with the debt collector or other verifiable proof Debtor has a contractual obligation to pay Debt Collector, any agreement that bears the signature of the Debtor where in agreed to pay Creditor, all statements and so on. ( request attached ). Notice that the consumer has 30 days to dispute the debt before it is assumed to be valid ; Notice that upon such written dispute, the debt collector will send the consumer a verification of the debt or a copy of any judgment ; and Notice that if, within the 30-day period, the consumer makes a written request for the name and address of the original creditor, if it is different from the current creditor, the debt collector will provide that information. They have not compiled with request per Validation of Debts 15 U.S.C. 1692g. Section 609 was also violated. I am entitled per 15 USC 1692k Monetary remedies of every violation listed within my complaint. Negative account must be removed and collection must cease per violations. Previous communication via phone with Portfolio violated section 15 USC 1962 C & D after informing them to stop harassing me, violation 15 USC 1692 f by practicing unfair practice, violation 15 USC 1681 by reporting incorrect information.
Consumer complaint received 2021-06-11
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (MA)

hi JPMCB AUTO ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX  for code of ethics violations.
Consumer complaint received 2019-06-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION (AZ)

On XX/XX/19 I opened an online account with simple.com. I deposited $ XXXX with two $ XXXX deposits. On XX/XX/19 the first of those deposits was processed. Shortly thereafter I received an email saying my account had been frozen and required verification. Despite being told it takes one day to complete the verification, it has now been over three days and I still do not have access to my money. 

If you've followed along, you will have realized they had over a week to verify the account and only decided to do so after they received the money I sent to fund the account. Once they received those funds I was almost immediately contacted and told my account was frozen for verification. The account had been open for NINE DAYS at that point. 

They refused to accept the information I sent for verification, including very personal information such as my driver 's license and social security card. Despite receiving sufficient information to verify my identity, they demanded still more information including mortgage info and more which is not even applicable to my situation. 

After being told everything should be resolved in one day, I spent much of the second day dealing with their incompetent and condescending employees. I was informed that they would not give me access to my money, or allow me to close the account in question. We're talking about XXXX XXXX DOLLARS HERE. After business hours I received an email from a XXXX XXXX saying they would not accept my calls to address the situation. The next morning I realized my phone number was blocked so that when I called I would be disconnected immediately. As of this time, I can't reach them by phone and they ignore my emails. Of course, they are still holding my XXXX XXXX DOLLARS and denying access to my funds while providing no banking services whatsoever. 

I WOULD CALL THIS A THEFT OF MY XXXX XXXX DOLLARS. I WANT MY MONEY!!!!! WHAT KIND OF COMPANY IS THIS?????
Consumer complaint received 2016-04-15
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A. (VA)

For as long as I have had a Best Buy rewards card with Citi I have NEVER received a bill. Not once, not electronically in an email, not in the postal mail, nothing. Best Buy Rewards was part of XXXX which sold to XXXX XXXX which sold to Citi ... Because I moved during one of the mergers I could not verify my own information. Fortunately I knew my card was expiring and sent a change of address notification to my old address with my new one and my " new '' Citi card was mailed to my current address. Hooray ... Once I could verify my account, I could change my address BUT I still never received a bill. Not in an email nor in the USPS system ... nothing, nada, zilch. Today, I received a set of collection phone calls saying I missed a payment. Apparently Citi upped my monthly payment without telling me and 3 months later, my account is over due without my knowledge. So, I closed the account only to be told that I can expect a final bill based on accrued intrest and check my email and post box!
Consumer complaint received 2023-05-02
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. (CA)

I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. No consent is fraud. Please see these accounts are removed from my account. They are fraudulent & are impacting my ability to gain credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-06-20
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Servatus Corporation (FL)

I file a dispute with XXXX over some debt that I am not aware about. I was called by credit solutions Corp.  and they tried to bully me about the debt. I never contacted them directly to do a dispute with them. I told the rep. Of the company that if I did a dispute thru XXXX that he is not supposed to contact me by phone. He told me is obvious that I don't know the law and he can call me when ever he wants. He rudely brush me off and told me don't worry the debt will continue to be on your credit report and hung up. Please call me XXXX
Consumer complaint received 2019-06-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (NY)

In XXXX of this year Chase withdrew money from my escrow account to pay my property taxes. However, they also withdrew money to pay for another property that I do not own or has any connection with me or my account. 

This left me in an escrow shortage and they have adjusted my monthly payment to reflect this as well. I called to explain their mistake, and they took two weeks but finally managed to remove the incorrect parcel from my account. 

However, they are not refunding the erroneous tax payment they made from my escrow account and are instead " waiting '' for the local municipality to refund the money. 

From my perspective, Chase, without my immediate knowledge or permission has misappropriated funds from my escrow account and now I am stuck footing the bill until they get the money back.
Consumer complaint received 2022-09-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

PORTFOLIO RECOVERY XXXX {$1900.00} - - - Account Information Address XXXX XXXX XXXX, XXXX XXXX XXXX XXXX VA XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Open Account Loan Type FACTORING COMPANY ACCOUNT Date Updated XX/XX/XXXX High Balance {$2000.00} Original Creditor XXXX XXXX Past Due {$1900.00} Pay Status >Collection< Estimated month and year this item will be removed XX/XX/XXXX Remarks >PLACED FOR XXXX
Consumer complaint received 2016-10-26
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (WA)

I purchased a pair of boots from Macy 's in XX/XX/XXXX. The statement closed on XX/XX/XXXX. I received the boots on that day and did n't care for them. I returned them on XX/XX/XXXX for a full refund. No interest had been charged on the card. This came to a XXXX balance. On XX/XX/XXXX I ordered a jar and another pair of boots which means those should go on my XX/XX/XXXX statement and be due in XX/XX/XXXX. Instead Macy 's is n't considering my return of the boots a " valid payment '' for my XX/XX/XXXX statement and what I charged after statement close is now due on XXXX which is when the minimum payment was due for the boots I returned. I talked to a supervisor who told me this was legitimate and valid because returning the boots for a full refund and making my account a XXXX balance is NOT THE SAME as making an actual payment so I did n't " satisfy '' my payment requirement due on XX/XX/XXXX. So apparently even if I had n't charged the new pair of boots and jar on XXXX they were still expecting money from me on boots I NO LONGER HAVE IN MY POSSESSION because I would n't have met their minimum payment requirement by just returning the boots. I have NEVER, EVER, EVER had a credit card company do this. When I return an item after statement close they credit my account and it ALSO goes toward the payment that 's due. I should not have to pay for what I charged on XX/XX/XXXX until after my statement close on XX/XX/XXXX. Instead they are making it due XX/XX/XXXX even though what was due on XX/XX/XXXX came from my statement close on XX/XX/XXXX and was an item I returned for full refund on XX/XX/XXXX. I feel this to be illegal business activity.
Consumer complaint received 2019-06-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: AMERICAN EXPRESS COMPANY (TX)

XXXX and XXXX is trying to collect a debt I have with American Express. They claimed to have sent several letters. I received one. I attempt settlement. They asked for a large lump sum when I said I couldnt they offered a large monthly payment. They said they would sue me, take my home, garnish my wages, call my employer and seize my accounts. They told me to sell my things and clear my bank to pay them. I was told they would ruin my credit if o didnt come up with the funds. 
I have been working with a settlement company who told me they would help. XXXX will not speak or deal with them. I have had horrible stress and illness due to their tactics. 
I was served papers on XX/XX/2019. I responded XX/XX/XXXX. 
XX/XX/XXXX notice of submission was sent. 
I have a court date on or after XX/XX/XXXX. I have yet to receive anything for my review as I can not access my accounts.
Consumer complaint received 2019-10-09
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. (VA)

XXXX has reported my name in error conjunction with a collection account. This reporting has been on my credit file since 2014 and has cost me financially due to incorrect information being reported and maintained by XXXX.
Consumer complaint received 2021-06-11
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. (DC)

Last year when the pandemic start I was going through some financial issues job related but I still kept my payments up to date. Months later I received a notice from the credit bureau saying that I was 30 days late on my credit card payment which I found impossible at the time. I tried to contact XXXX XXXX  without any success and still this 30-day late notice is a huge negative placement on my record.

Although the reporting is current and positive at this time, the issue is that I never gave anyone permission to furnish or report anything to a credit bureau or consumer reporting agency. Since reporting to credit bureaus and other consumer reporting agencies by creditors is voluntary and based on 15 U.S.C. 1681b ( a ) ( 2 ) any consumer reporting the agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I have never given any credit bureau or consumer reporting agency my written permission to report to them. I sent out letters back in XXXX to XXXX XXXX, and Experian requesting that they delete the accounts in their system as well as phone calls to all of the agencies since I did not authorize their reporting services. As of today, I have not received a response nor have the account been removed as requested.
Consumer complaint received 2020-09-25
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

I received two alerts from Experian on XX/XX/2020. 

1. Credit Rating Decrease - You credit rating has changed from Exceptional to Very Good. 

2. Score Decrease - Your XXXX  Score has decreased by XXXX points. 

My " XXXX '' credit score decreased to " XXXX '' for no apparent reason. There is no derogatory information on my credit report, therefore, I can't dispute this online, and Experian employees don't answer calls to the telephone numbers that are provided online to consumers. This is Catch-22.
Consumer complaint received 2019-06-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HANCOCK WHITNEY BANK (FL)

Hancock Whitney is falsely advertising a banking promotion at the following url, https :  //www.hancockwhitney.com/XXXX-XXXX   and in the email they sent to me. They claim that both the checking and money market accounts need to be opened in order to receive the {$500.00} bonus on the phone and in person, yet the website and email leads one to believe that only the checking account needs to be opened in addition to the direct deposit and time requirements to receive the {$500.00}. I opened an account on XX/XX/19 to get this {$500.00} bonus only to be told that the terms are different than advertised.