davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC (IA)

On XX/XX/2021 I sent a letter to ABILITY RECOVERY SERVICES. requesting information on an alleged debt they say I owe them and I have not received any correspondence back in regards to that matter. Please help me resolve this issue.
Consumer complaint received 2021-10-05
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: Paypal Holdings, Inc (TX)

PayPal is withholding {$190.00} that were meant to be used as payment for a service. PayPal has not transferred the funds to the owed party and is withholding the funds. PayPal is NOT owed any funds or money from this transaction. PayPal is NOT entitled to any money from the transaction and should release the funds IMMEDIATELY.

The Amount owed by PayPal is {$190.00}.

The Amount pulled from my Credit Card is {$190.00}.

When contacted, PayPal stated " They can not provide a refund for the funds ''
Consumer complaint received 2017-11-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I have attempted for several months to obtain validation of a debt reported on my credit report by XXXX XXXX  XXXX, including several certified mail validation requests, disputes to the credit reporting agencies, and utilizing a credit dispute company. In reference to account number XXXX in the amount of {$4100.00}, my complaint is two-fold. First, XXXX XXXX XXXX has failed to, after numerous requests, provide adequate debt validation, including my signature on any documents pertaining to this debt. Secondly, XXXX XXXX XXXX is not legally authorized to collect debt in the state of Georgia. Therefore, I am requesting both proof of this debt belonging to me, including documents that contain my written signature, and also physical proof that XXXX XXXX XXXX is legally authorized to pursue and collect debt in the state of Georgia.
Consumer complaint received 2021-07-12
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: Kikoff Inc. (MA)

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
Consumer complaint received 2017-11-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (IL)

I disputed this loan in XX/XX/XXXX and again XX/XX/XXXX. I requested documents showing that I signed up for a loan.The program I was in was a free program and for some reason, I received a bill. In my disputed, I asked for some proof and all that was submitted to me was my grade school transcripts. My XX/XX/XXXX dispute all they submitted was a typed out letter from someplace I have never heard of. The school closed while I was attending and this is why I 'm disputing this loan. I would have disputed this loan prior to XX/XX/XXXX but, I did not know I could.
Consumer complaint received 2016-02-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

I have contacted experian, but they refuse to help me. I have a XXXX home loan on my credit that belongs to a family member. That same family members personal information ( name, address ) is also listed on my credit report, as well as their paid off car loan, and some past due bills. This is something that is stopping me from bettering my credit, and buying my own home. I do n't understand how it is legal for experian to put incorrect information on someone 's credit report and on top of that refuse to fix the situation! And something as big as a home loan should be taken extremely seriously when it 's placed on the wrong person credit, but experian does n't not care, they think that the name is close enough so they put it on your credit, or the social security number is ALMOST correct so they put it on the person 's credit. This is ridiculous and should be unacceptable! I want it fixed!
Consumer complaint received 2017-10-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (OR)

On XXXX/XXXX/XXXX I mailed a letter to LoanCare ( attached ) requesting a statement from LoanCare starting with the first month that they began servicing this loan all the way to the current monththat shows the monthly detail of the application of my monthly payment, ie, how much goes to principal, interest, escrow ; and the balance of each. 

I received no reply. 

On XXXX/XXXX/XXXX I called and spoke to XXXX who verified that they had received the letter and that they had not responded. After several excuses as to why that was, XXXX agreed to see to it that the information I was requesting would be mailed to me immediately. I confirmed that it would be mailed to me at my XXXX XXXX XXXX address, the same as they send me the monthly bill. 

Today is XXXX/XXXX/XXXX ... ... ... ..I have received nothing. No statement, no letter, no phone call. Nothing. Apparently they do not respond to information requests from their clients.
Consumer complaint received 2017-11-20
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: Performant Financial Corporation (GA)

Fraud Account My identity was stolen in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and twice XX/XX/XXXX I sent over police reports and court order, no response. 
When I call to verify they explain someone will call back. 
Also I received a letter to garnish. When I called to check status I was told they will call me back.
Consumer complaint received 2015-12-05
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

On XXXX XXXX, 2015 Capital One XXXX branch representative opened a business spark checking acct for me. I showed him a promotional offer {$250.00} at acct opening in branch. The offer says open a acct with XXXX and make a XXXX bill pay within 30 days, then {$250.00} cash bonus will be credit back within 6-8 weeks after promotion ends. I made deposit of {$5800.00} at acct opening, and made XXXX bill pay {$830.00} on XXXX XXXX, 2015. However I never received {$250.00} bonus, also the bill pay was stopped which caused me extra fee {$70.00} from the payee. I never asked the bank to put stop payment. On XXXX XXXX 2015 when bank rep called me several times I asked them to release the payment. I am asking 1. {$250.00} promotional bonus back plus {$70.00} fee caused by the bank. Or 2. bank can issue a letter to payee to waive this {$70.00} extra fees. But {$250.00} promotional bonus must be credit back.
Consumer complaint received 2015-06-22
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

Consumer Finance Complaint # XXXXXXXXPlease add additional information to complaint : The mortgage loan was transferred to Countrywide Home loan from the lender I tried several time to modify my loan because the interest rate adjusted out. I was given given incorrect information on how to submit the modification by customer service., Documents was faxed to Countrywide several times but they would statethey never received them. Several large mortgage payments was also made to Countrywide per their request. 
The loan was later transferred to Bank Of America and they were difficult to workwith on the modification request. I 'm aware Bank Of America entered into a Federal Consent Order, Justice Dept. because of the mishandling of mortgage modification requests. I am a victim of those unfair practices. I 'm still residing in the propertyand I want to keep my house.
Consumer complaint received 2021-07-06
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. (TX)

For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This is a Direct Violation of Fair Credit Reporting ACT Section 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filling a compliant with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. XXXX XXXX XXXX, No. 95-6445 ( C.D.Cal. Nov. 14 1995 ), you will be liable for your willful non-compliance. Please remove all Fraudulent accounts as I have no knowledge of these accounts due to the Equifax Data Breach/ Identity theft. All is being investigated by the FTC
Consumer complaint received 2017-10-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (OR)

Citi Bank/Citi Cards website has not been working properly for two months. I am getting billed for what is probably the right amount, but when I go on line to print a copy of my statements for my two credit cards, they are not available.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CCS Financial Services, Inc. (GA)

Credit Collection I request that you please provide proof that you are licensed and bonded to collect debt in the state of Georgia. Please cease all reporting activities on this debt to all 3 credit bureaus including XXXX, XXXX, and XXXX if there is no proof of original contract with wet ink signature and no proof of legal debt collection licensing. 
Credit Collection Services is illegally attempting to collect debt. Attached is proof that Credit collection services is not licensed or bonded to collect debt in the state of Georgia. 
On XX/XX/2024 I requested proof of licensing from Credit Collection Services and they have failed to provide proof. Attachment also available. 
Credit Collection Services is reporting a debt on my credit reports and attempting to collect debt illegally. 
According to Georgia state regulations, debt collection agencies must be licensed and bonded to operate within the state. Credit Collection Services does not possess the required license or bond to engage in debt collection activities in Georgia. Therefore, the negative reporting by your company is invalid and must be removed from all 3 credit reporting agencies. 

Furthermore, I contest the validity of the debt on the grounds that there is no proof of an original contract with a wet ink signature between myself and Credit Collection Services. As such, the alleged debt lacks the necessary legal basis and should be removed from all 3 credit reporting agencies.

Failure to comply with request I will sue for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 )
Consumer complaint received 2020-01-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (CA)

This complaint submission is in regards to a collections account by CONVERGENT OUTSOURCING ( Client Services XXXX XXXX XXXX XXXX XXXX, WA XXXX ) stating I have a delinquent account with them. I have made attempts to rectify this matter with them directly as they have now been unresponsive. I do not have any revolving accounts with them what so ever. CONVERGENT OUTSOURCING is currently in violation of the Fair Debt Collections Practice Act, 15 USC 1692g. I  spoke with a Supervisor in the CUSTOMER RELATIONS DEPARTMENT by which they stated there were not able to locate my account and demanded my personal information when I had the account number present. The account number was received directly from XXXX  credit bureau to whom which CONVERGENT OUTSOURCING is reporting to. It was extremely difficult to obtain any information from them, as they became aggressively rude over the phone. I attempted to obtained their Fax and Mailing address to forward them a debt validation letter. The Supervisor stated to send everything over and they will fax all correspondents to the number provided. A fax confirmation was received on both ends and I still haven't received a response. It was confirmed through my fax machine that the Department had received the files ; however still no correspondents.I have no legal obligation to this company no will I ever in the future. I am requesting CONVERGENT OUTSOURCING to immediately remove me from their systems, and update the XXXX Credit Bureau on this action. At this point, CONVERGENT OUTSOURCING have failed to provide any competent evidence or any legal obligation. Once again, CONVERGENT OUTSOURCING is currently in violation of the Fair Credit Reporting Act, 15 USC 1681, and if this report is not updated immediately I will be taking legal actions.
Consumer complaint received 2017-03-02
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

RE : CASE # XXXX Bank of America There was identity theft and identity compromised. 
I have filed for a police report and the FTC identity theft victim affidavit report, and copies have been forwarded to this bank Fraud and Claims department. 
BANK OF AMERICA did not address this issue, and this is a claim filed per Federal Trade Commission, a file putting in complaint dispute with credit institution on debt collection and mitigating loss incur by XXXX of " XXXX '', " XXXX '', " XXXX '', XXXX ''. 
Payments were made and reversed by above mentioned company " XXXX '' USING MY IDENTITY TO XXXX TELEPHONE AUTOMATED SYSTEM. 
I ASKED Bank of America THAT THE CHARGES BE TAKEN OUT OF MY BILLING WITHIN 30 DAYS AS OF XXXX. 
PLEASE HAVE THE INSTITUTION LET ME KNOW WHEN THE CHARGES ARE REMOVED.
Consumer complaint received 2017-03-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (MA)

I was told by Navient that I was going to be part of the income-based repayment plan. I discovered today that I was not part of that plan. My student loans were never consolidated and I have still been charged interest every month. I was under the impression for the last year I was in this program and would have at least 11 months worth of qualifying payments towards the student loan forgiveness program. I did not know there were separate programs and feel like I have been lied to. I had no idea that my loans were supposed to be consolidated nor did I know the government would pay the interest for the first 3 years. I feel Navient has been misleading because I was under the impression I was in the Income Based Repayment program.
Consumer complaint received 2021-07-12
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. (MD)

This complaint involves the XXXX XXXX XXXX XXXX XXXX XXXX any other way that XXXX may be reporting on our credit reports, that on my wife credit report changes were made to the account that lowered her credit score. And the XXXX reporting on my account has been deleted entirely from from Equifax credit reporting. 

Please reinstate both XXXX accounts to our credit reporting and then lock them from being further manipulated. The account was claosed back in XX/XX/2021 and therefore should not have been altered or deleted. And in a phone call into the company confirmed that any changes made to the two accounts would not have happened from them, because they confirmed that they do not alter or make changes to a closed account. 

Can this be fixed as I have already opened a couple of previous complaints on the same matter, but much like with ever other complaint I've filed against Equifax, nothing ever gets any attention or is corrected. So to be clear, there is no need to check with the provider because XXXX did not later the accounts nor would they from what I'm told
Consumer complaint received 2018-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Synovus Bank (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below for 2 of my XXXX XXXX  Credit card.

XX/XX/XXXX-30 days Late XX/XX/XXXX-60 days LateXX/XX/XXXX -60 days late I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2021-09-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (MA)

Original notice was given on XX/XX/2021 from Hunter Warfield regarding intent to collect on debt. 

A certified letter was sent on XX/XX/2021 to Hunter Warfield disputing the collection attempt and requesting further verification of the described debt pursuant to 808b of the Fair Debt Collection Practices Act. Return receipt indicates this letter was received on XX/XX/2021. 

From initial communication onwards there was no communication from Hunter Warfield regarding the debt or request to verify the debt. 

On XX/XX/2021 a notification was sent from XXXX  regarding a collections account reflecting on my credit report. In clear violation of the dispute process outlined in 808b, Hunter Warfield reported said debt to XXXX  and caused significant harm to my credit without providing the proper requested verification.
Consumer complaint received 2017-11-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (NC)

Received call on XXXX XXXX, 2017 at XXXX XXXX from XXXX This is a very important message for XXXX XXXX XXXX please make it a priority to return my call as soon as possible so that I may review you some important time sensitive information with you. You can reach me at my toll free number which is XXXX my direct extension is XXXX that 's XXXX at XXXX my direct extension is XXXX.
Consumer complaint received 2017-11-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO. (CT)

Just received notice ( attached ) that Chase is changing the interest rate terms on my card I have had since 2015. Changing from 7.99 % to 12.99 % APR ; a 62.5 % increase. I called Chase and they said this was happening to better align my terms with what is currently offered. I responded, if I wanted terms currently offered I would apply for a new card. 

My choice is to close this to accept the new terms or close my account. Closing my account will negatively affect my credit ; as my credit history length will be reduced ( I have has this card for 12+ years, longer than the average account on my report. 

I was given no other option, Take it or leave it
Consumer complaint received 2015-04-22
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I continue to receive calls despite the fact that I have told this company each time they call that it is not my debt and they have the wrong person. Each time they are told to remove my name and stop calling but they persist.
Consumer complaint received 2017-11-20
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NJ)

I have not used my credit card in a year since i received it. Come to find XXXX XXXX closed my XXXX XXXX account without notifying me i am very responsible with my credit. Now i have a closed account on my credit report as this will hurt my credit score as i am trying to buy a home. This is very unfair to me as a consumer. I have the right to use my credit wisely and use it when i want and if i do not want to at all for a year.I contacted XXXX XXXX and they responded well mam you can reapply again and add another inquiry plus a closed account real good for my credit. I would like this deleted from my credit reports i am getting no where with them. they are ruinig my credit and i did nothing but take an account out in 2016.They should not be allowed to do this. Thank you
Consumer complaint received 2016-07-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

As far back as XXXX 2012 I have experienced identity theft. My previous dispute was initiated because of this fraudulently opened account. I wrote to the credit bureau about the collection agent and disputed the debt reported by XXXX XXXX XXXX and the creditor XXXX XXXX and have had no response from Trans Union ; XXXX ; XXXX or have I received any assistance in clearing this inaccurate information from my credit files. I recently viewed my credit reports and find that this account is still reporting in my files and is causing a very negative effect and by non ability to acquire credit as a new business owner is causing me extreme financial hardship.
Consumer complaint received 2024-03-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CT)

I got a new XXXX and they told me I dont owe anything other than my down payment Everything else will be rolled into the monthly payments. I keep on getting bills from XXXX XXXX  and states I owe money. Now I am in collections. The XXXX dealership keeps on telling me it will be taken care of and it has not. I am going to call again tomorrow. I am getting really frustrated and dont need to go into collections I know the dealership already has been having issues with other add ons that customers dont know about or told about. It was on the news. 
XXXX XXXX dealership XXXX CT