davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Portfolio Recovery is stating that I owe {$2000.00} for services with XXXX XXXX from 2013. Thy  are not able to provide any documentation bearing my signature, where the balance is coming from and what exactly it is for. I have sent several certified letters demanding that they provide me with all of the documentation to support this, which they have failed to do so. The only letter I have received was a letter stating the balance was " verified ''. This is a COMPLETE violation of Defamation, Negligent Enablement of Identity Fraud, Violation of the Fait Credit Collection Act and Violation of the Fair Credit Reporting Act. This is severally hurting my credit score and I have spent hours of my time and money trying to get this resolved. I demand that this be completely deleted from my credit report with ALL 3 bureaus. My next step will be small claims court, which I have already filled out paperwork & obtained an attorney. I expect this to be taken care of within the next 30 days.
Consumer complaint received 2021-09-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AR Resources, Inc. (NJ)

I am aware that I was violate too many times. As a natural person who is federally protected. I am notifying you that your corporation has offensive activities towards me as a consumer, such unauthorized use that did not serve me any benefit. I have been violated as such : 15 USC 1692 C ILLEGAL TO COMMUNICATE, 15 USC 1692 Abusive practices of debt collections they can not invade my privacy and only I deem what is private to me and 15 USC 1692 G validation of debts you do not have permission to say I owe anything.
Consumer complaint received 2021-03-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (NY)

On XX/XX/XXXX, the office of Federal Student Aid began providing the following temporary relief on ED-owned federal student loans : suspension of loan payments, stopped collections on defaulted loans, and a 0 % interest rate, retroactive to XX/XX/XXXX as I recall. 

Despite 0 % and no payments required, I have been paying each month since then. Despite my instructions, Great Lakes Student Loans has failed to apply my extra payments to the principal balance. They claim that they can only apply payments to interest until all interest is paid. This is in direct contradiction with what I have heard from you and from them when I have called in the past. They have applied some of my extra payments ( made prior to this past year ) to prinicpal when I included the extra payment in the autopay cycle. 

I believe they are acting in bad faith and refusing to apply my extra payments to the principal as they should because they never want me to be able to pay off this loan. I took out the original loans in XXXX with DOE via XXXX, 6 loans for a total of $ XXXX. Before I even graduated those loans were sold 2x and again 2x after I graduated. This meant my interest was capitalized ( and my principal balance mushroomed ) before I was even in repayment. I fully paid off 2 of the 6 loans right away, though it appears XXXX illegally kept those loans open with {$1.00} and {$37.00} balances. XXXX I was duped into consolidating onto the PAYE play with a fraudulent and now defunct company called XXXX XXXX XXXX XXXX. 

Despite paying since XXXX, and paying well all the real principal, I still owe 120 % of what I borrowed to to shady practices of servicers like this XXXX. 

I want them to do the right thing and apply the extra payments I have made from XX/XX/XXXX to XX/XX/XXXX to my principal balance. Should they fail to do so, I will have no choice but to pursue any and all legal avenues open to me. 

Thank you
Consumer complaint received 2018-02-17
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC (GA)

This is a charge that XXXX XXXX charged me after I had cancelled my service and returned their cable equipment. This charge had already been disputed in 2015 and was removed from my credit report. This company XXXX XXXX XXXX ( ERC ) has posted this same charge again on my credit report twice this year. This has damaged my credit rating and I have been denied credit due to this collection status on my account.
Consumer complaint received 2021-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (DC)

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXXBalance {$480.00} XXXX XXXX-Balance {$6400.00} XXXX  XXXXBalance {$13000.00} XXXX XXXX-Balance {$2200.00}
Consumer complaint received 2019-11-07
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (IA)

I have repeated to XXXX that I turned all my accounts over to XXXX XXXX XXXX he just goes on to tell me he doesn't care there has ben no payment on this account since last XXXX he calls more than once a day either XXXX or XXXX my number or my husbands. Today XXXX, XXXX called my son at his job, who is a XXXX XXXX XXXX  XXXX XXXX.to ask about XXXX XXXX my husband and XXXX XXXX how to reach XXXX XXXX XXXX XXXX and independent of myself and my husband he is married and lives in another town. I don, t know how XXXX got information on XXXX whose last name is different I believe this is XXXX. 
XXXX Ph # XXXX ext.XXXX
Consumer complaint received 2019-11-07
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: FCI Lender Services Inc. (CA)

FCI is the servicer XXXX in the investor owner, was in a BK-XXXX my attorney XXXX it up, ( will complain to the state bar ) have asked FCI of payment history and ORIGINAL LOAN FILE PER RESPA am entitled to look at will go to FCI XXXX at FCI says call XXXX XXXX is the investor have been talking to, he says call XXXX at FCI?!?!?!? both pass the buck, finally my cousin received the payments history and BK PAYMENTS WERE NOT POSTED CORRECTLY PER FEDERAL BK LAW enclosed is history!!!!! Since XXXX and XXXX and XXXX at FCI dont want to comply submitting this first before paperwork being filed! WANT TO SEE ORGINAL LOAN FILE PER RESPA, have denied my modification, am dealing with a XXXX father, so my cousin is helping, but BK XXXX PAYMENTS WERE NOT POSTED CORRECTLY, and have asked why so many fees have paid other companys that had loan XXXX and were to drop balance but was sold! neither company can do right thing! WANT TO SEE ORIGINAL LOAN FILE! ( am in process of bringing current or will file PR-SE ON MY OWN!
Consumer complaint received 2019-11-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY (TX)

I XXXX XXXX, desire to settle on my remaining collection accounts, and this is my third request for at the very least an offer of settlement. I am facing a serious financial matter where bankruptcy might be my only option. However, I am requesting a very low percentage settlement as I have excessive medical bills that are bringing me to a possible bankruptcy filing. I need a setter of settlement emailed to me as quickly as possible. I also submitted a power of attorney with my collection creditors, and this person can be of service in perhaps settling all of my creditors across the board. I request an immediate settlement offer. I request the services of not only debt buyers, but also from the original creditors as well. I demand the actual costs from each credit as to what the original debt was purchased for. XXXX XXXX.
Consumer complaint received 2017-07-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NY)

On XXXX XXXX, 2017, a check for {$21000.00} ( final payment for total loan pay-off ) was received in error by the Department of Education for my private loans serviced by Navient. The address was provided by one of their representatives. I noticed the check was deposited but never allocated to my account. I called to follow up approximately one or two months later ( no communication received ) and was notified the check was sent in error and a refund was to be processed. I was told a new check would have to be mailed to the appropriate PO Box to be applied to my account. If I did not call, a refund would never have been processed and I would not even know an error existed. Interest continued to accrue on my account, even after a new check was mailed. I have called several times and representatives have told me a request to backdate the check would be submitted to remove the remaining balance. I have documentation and all representative badge numbers - The check was never backdated and interest continues to accrue on my account.
Consumer complaint received 2021-08-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Happy Money, Inc. (VA)

On XX/XX/XXXX, I applied for a debt consolidation loan through payoff.com. The loan was approved for {$22000.00} over 36 months. The loan came with a rate of 6.99 % and an origination fee of {$110.00}. A monthly payment of {$670.00} was set up for automatic deduction. I was told that manual payments were not an option. The first payment was due XX/XX/XXXX and then the due date was changed to the XXXX of each month starting in XX/XX/XXXX. Payments were deducted automatically on XX/XX/XXXX and XX/XX/XXXX. The problems began when on XX/XX/XXXX they deducted an additional payment of {$670.00} without my authorization or approval after having already deducted the scheduled payment for the month. This deduction had an impact on my bank account as it was not a scheduled or planned for expense. They were contacted and said that it was an error on their part and that they would refund the amount, which was refunded into my account on XX/XX/XXXX. Their website continued to say that my next payment date would be on XX/XX/XXXX after the date had passed and the payment had been made. I had concerns regarding their business practices and called to followup.I called on XX/XX/XXXX at XXXX and XXXX, and then received a call back at XXXX. During these calls there was discussion on the fact that I was mischarged again and that I was concerned regarding my upcoming payment as it still said the XX/XX/XXXX was my next due date. They assured me that it was an error and they were working on it and that my account was in good standing. On XX/XX/XXXX I received a text message saying that my payment was now past due despite all these conversations and my concerns that were shared. I called them on XX/XX/XXXX to discuss that I had received this alert and could not get an answer and was told I will get a call back and never hear back. Not only have they now impacted my bank account by taking unauthorized payments they are now impacting my credit history through late payments that are not late.
Consumer complaint received 2020-10-23
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: Experian Information Solutions Inc. (FL)

XXXX  XXXX. XXXX XXXX, XXXX, CA XXXX Experian XXXX. XXXX XXXX, XXXX, TX XXXX XXXX  XXXX. XXXX XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1300.00} XXXX {$210.00} XXXX - {$210.00} XXXX XXXX XXXX XXXX CHARGE OFF XXXX  Late Dates : XXXX, XXXX XXXX XXXX DC XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$5200.00} REV {$5200.00} - {$5200.00} XXXX XXXX XXXX XXXX CHARGE OFF XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, FCRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX  XXXX XXXX , XXXX XXXX, FL XXXX
Consumer complaint received 2021-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION (MS)

I accounts reporting accounts as open after there closed also reporting accounts that has no balance and very old but reported open reporting old accounts that was sold but I have no written agreement with whoever it was sold to and no Information on who it was sold too reporting accounts that are too old to be still active on my report
Consumer complaint received 2020-07-10
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TCF NATIONAL BANK (MN)

This complaint is for TCF, Identical complaint filed for XXXX XXXX XXXX There are two lenders involved in my complaint. I had a HELOC loan with TCF bank that sold my loan to XXXX XXXX  XXXX  back in XXXX of this year. This loan was actually converted to a long term loan many months earlier and we no longer have the ability to draw on that loan according to our agreement. Before even making our first payment with our new loan servicer they reached out to us looking for the first payment in XXXX. I explained XXXX 's payment was made with the first loan servicer and we have sent them proof of that payment. Each month we pay the same amount to them as we did our previous loan despite requests for different payment amounts each month, asking for mostly smaller amounts. We have made several attempts to provide XXXX  with documentation that this payment was made and that we were current as of the date of the loan being sold. The original servicer has provided us with the documentation but is unwilling to contact the second directly each time telling us they can't contact them anymore and to give them a new document proving we have paid. Each time I call the new servicer they humiliate me reminding me I am late and this is an attempt to collect a debt. One lender selling a loan to the next shouldn't be my problem to fix as the problem was created in the sale of the loan. I feel I'm running out of options but certainly don't want to pay another payment to them that we don't owe them. This practice can't be acceptable and I'm asking for help.
Consumer complaint received 2017-09-14
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: FIRST CITIZENS BANCSHARES, INC. (WI)

Going back to the end of XXXX beginning of XXXX XXXX XXXX based in California has been constantly harassing me about a 5 year old debt I was n't aware of. They called speaking extremely rude to me, threatening to sue me, telling me that this so called " debt '' will damage my credit score and that it will basically disrupt my finances, that they will garnish my wages, and they refuse to send me anything in writing, verifying that the debt is actually mine ( even after I have requested documentation every time they call ) and that it is n't a scam. They call non-stop and the guy XXXX XXXX was being very loud threatening and rude to me even after I told them to " do what you have to do '' telling me that I " need '' to take care of this and that other debts are n't as important and that it will mess up what I have going on in my life. They continue to call from numbers that are n't based in the US ( such as XXXX ) even though they say that they are based in California. When I asked why he lied about it.They keep threatening to take me to court and refusing to send me any information regarding the debt and that all these different horrible things will happen to me if I do n't pay them and telling me what I " have '' to do. Their number is XXXX XXXX XXXX.
Consumer complaint received 2021-09-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY ()

I have sent 3 checks to American Express Card from XXXX Check Sent XXXX Amount {$1500.00} Cleared on XXXX Check Sent XXXX Amount {$1500.00} Cleared on XXXX Check Sent XXXX Amount {$1500.00} Cleared on XXXX All Checks sent to pay American Express Card ending in XXXX XXXX has sent me Proof Of Payment, and I have sent it to American Express American Express says they can not find/identify my payments.
Consumer complaint received 2021-09-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

I have a debt from XXXX XXXX XXXX  about a credit card that I never opened. The debt collection agency directed me to this website. The account was opened without my consent. I split up with my ex wife in XXXX of XXXX the account was opened sometime in XXXX using that address where I was living with her. I have never opened anything with XXXX XXXX XXXX  until XX/XX/XXXX when I went for a car loan and dealership checked if XXXX XXXX would offer me a loan. I was denied the loan because they said I have deliquent accounts with them but I never had any account with them. Next thing I notice on my credit report is Portfolio Recovery in debt collections.
Consumer complaint received 2020-11-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (NY)

During COVID-19, I was granted forbearance period for 6 months which was agreed upon from both sides stating I would not be affected negatively. I ended the forbearance period early and immediately was current on my payments. I worked extra hard during the pandemic to make extra payments to have PRIVATE MORTGAGE INSURANCE removed. In mid XXXX, to loan to value ratio was 78 %, under the 80 % mark to be qualified to have PMI removed and was current on my payments. I reached out to the PMI department via email and they got back to me on XX/XX/2020 stating although my loan to value ratio was 78 % and was current on my payments, PMI will not be removed since I was late on XXXX payments. After contacting customer service and speaking to XXXX and XXXX and from forbearance department XXXX for an hour, they could not see the late payments on my record. XXXX spoke to the supervisors and concluded that it was indeed the forbearance period which was AGREED upon, which was negatively impacting me and I would have to continue paying PMI for 24 months in order for it to be removed. I find this unacceptable as there were no late payments but agreement was made which I abided by. 
To hold a forbearance agreement, because my mother was infected while global pandemic was going on, against me negatively is not just insensitive but plain wrong.
Consumer complaint received 2021-02-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I am very disappointed and concern about this issue. There is a late remark on XX/XX/XXXX on my Capital One account. I've been always on time in my payments but there was this situation that I could not control. 

I was in XXXX for work. I was was stuck due to pandemic. I Was out of the country and I was not able to use the app. I was not able to access the Capital One site from outside of US. Also emails from Capital One kept on going to XXXX. I finally was able to get phone service in mid XXXX ( around XXXX XX/XX/XXXX ) to be able to talk to Capital One. 

Again, this was a situation that I could not control. It was not a money issue. I had enough founds to make the payment but I was out of the XXXX with a lot of restrictions. I ams asking an adjustment to this late remark that is killing my financial life. I have also suffered emotional stress. I need a fair solution asap. 

All I am asking is this late remark to be removed or this month to be reported as " no data ''. 

Thank you.
Consumer complaint received 2022-03-29
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: BARCLAYS BANK DELAWARE (FL)

On XXXX XXXX, 2021, a fraudulent transaction was made with my credit card in the amount of {$2100.00} in XXXX XXXX. I reported it to the issuing bank as soon as I saw it on my statement. But after repeated calls and explanations they will not accept that the transaction was fraudulent. I made a legitimate transaction at a store in XXXX XXXX for {$61.00}, but while they had my credit card in their possession they processed a second transaction for {$2100.00} that was fraudulent. Since both transactions were made with a chip reading device my credit card bank believes that and only that proves the transaction was not fraudulent. I have asked to see a receipt I would have signed for the {$2100.00} purchase and to know what the charge was for, but the bank can not provide that. The inability of the bank to produce a signed receipt for a transaction of this size should be enough to substantiate the fraud. Here we are 6 months later and that fraudulent transaction is still on my account.