davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-17
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

Sent a letter to PRA about a fraudulent collections acct opened in my name & they refused to delete it from my credit report & harassed me with calls. I sent a certified letter to Portfolio Recovery Associates ( PRA ) on XXXX/XXXX/17 regarding a fraudulent credit card account that had been opened in my name and then sold to PRA as a collections account. I explained that I had my identity stolen on XXXX seperate occasions in the last 6 years and I 've even had to be issued a pin every year for my taxes as the criminals who stole my identity also tried to file fraudulent tax returns in my name. I offered to settle the debt at 50 % of the amount owed even though I acknowledged that it was not my doing to begin with. I offered this because I 'm trying to finally have this account as well as others related to the identity theft removed from my credit report. I also asked that PRA not contact me via phone at all regarding the matter. PRA sent me a letter with copies of the credit card statement alledging that I did indeed open the account with no response to my offer to settle the account by paying {$520.00} in exchange for it being deleted from my credit report. In addition, I started receiving harrasing phone calls from PRA starting on XXXX at XXXX XXXX and again on XXXX at XXXX XXXX, despite my explicit request to be contacted by mail, which is a clear violation of the Fair Debt Collection Practices Act ( FDCPA ).
Consumer complaint received 2016-06-07
Product: Credit card — 
Issue: Balance transfer — 
Company: CITIBANK, N.A. (OH)

I took a {$4000.00} balance transfer from Citi Card. This cost me {$120.00} for 0 % interest for 15 months. I continues to make my regular charges to my Citi Card. I made my monthly payment, on time, paying off all my purchases and a little additional. I was charged interest because I did not pay off the full balance of my credit card statement which includes the {$4000.00} I borrowed at 0 % interest. They charges interest on my purchases even though I paid off my purchases in full and on time.
Consumer complaint received 2015-08-25
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Several years ago, I opened an eBanking account with Bank of America. I was told that the account did not have a monthly fee if I conducted all of my transactions on-line or by ATM. I noticed a $ 12 monthly charge on my last bank statement and I called the Bank to inquire about the charge. Bank of America told me that my account was changed because it got rid of the eBanking account. I did not receive any notice of this change or the charges. I think it is unfair that the Bank can change the type of account without providing notice of the change ; potential charges ; and time for the consumer to either switch banks or bring the account in compliance with the new account requirements.
Consumer complaint received 2015-06-06
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

My card was used fraudulently. I was able to get the vendor to credit the account within a short time but not in the same payment period. But Bankamericard charged me late fees and interest and has now closed my account. Do n't they have some responsibility for fraudulent charges? I do n't care about the closed account but they have no doubt reported me to the credit bureaus. They should credit my account XXXX for the late fees and interest and wipe credit history clean.
Consumer complaint received 2017-01-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (KY)

I had a total of XXXX loans ( approximately XXXX left to pay on ) through Navient that are all separated but under the same account. From the start I have signed up for automatic debit to receive the discount interest rate that they provide when doing so. To pay off my loans faster I typically make a large payment on the loan with the highest interest rate the week after the auto debit. When doing so, it prompts me with a question of " do you want to advance your payoff date '' or " would you like to make your next scheduled payment ''. I always select to make my next scheduled payment so I can pay it off as soon as possible. However, when my next auto debit comes out they the payment for the loan may be {$20.00} or {$140.00} but they will only put a few cents to a couple dollars towards it instead of putting the original payment towards it like i selected. The remaining amount is split between the rest of my loans ( got ta remember, I 'm paying the highest interest rate loans so they are putting my payment towards lower interest rate loans ). When I questioned them regarding this, they stated that my loans are in a group and the only way to fix it would be for me to cancel my auto debit. Now how does that make sense? Remove my auto debit so that they can continue my normal payment that I stated clearly that I would like to continue. Why ask me if they are n't going to continue my normal payment anyways? This happens every month since the inception. Cancelling my auto debit would increase my interest rate for all of my loans by a .5 %. That 's the dumbest thing I 've ever heard. I 'll take the hit of misallocating instead of a hike in my interest rate for {$30000.00} in loans. Get real Navient. 

I also had issues with their old site where they did n't have the functionality to select a specific loan to pay extra on. I could only make an extra payment and request that it go to a specific loan. Then I would hope that they would see the request and allocate it properly. It was n't until a few months into making these payments that I realized they were n't doing it. I would have to call and explain to the representative what happened and request that they fix it. They told me the only way I could do this is by calling in. So I started calling in my extra payment every month and requesting it go towards the highest interest rate loan. Some of the people would understand while others would simply spread the payment across the board. Countless calls and sometimes they would fix it and others they would n't be able to. The new website rolls out and I think finally they can stop messing up and I do n't have to call in anymore. Yet they simply find another way to have a quirk to XXXX the allocation process. 

Get your stuff together Navient. Ca n't wait to get rid of you. Hopefully I 'll have my {$65000.00} paid off this year and I hope they have enjoyed being a thorn in my side and wallet.
Consumer complaint received 2015-08-26
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (CA)

I purchased a new vehicle from XXXX XXXX XXXX XXXX, California on XXXX XXXX, 2015. The car was a 2015 XXXX XXXX XXXX and decided to do the 0 % financing and put {$5000.00} down @ XXXX mos. My credit score was over XXXX! After XXXX months of calls from Chrysler Capital financing, a " XXXX '' requesting excessive documentation, personal bank statements, " how 's the money coming in '' ( really should n't matter where 's it coming from ) other than my net worth well exceeds the value of the vehicle. With the assistance of my financial institution XXXX XXXX XXXX XXXX company could not believe what Chrysler Capital financing was putting me through and the inconsitencies with requests!! Examples : XXXX XXXX - tried calling XXXX at the number that you gave me, nothing but a busy signal. XXXX the number to make sure I had it right, still busy. 
XXXX XXXX - tried the number numerous times during the day, still busy. 
XXXX XXXX - XXXX called in and we spoke. She was looking for employment info, which I told her I could not provideXXXX XXXX - XXXX called ( acting like it was the first time we had spoken ) and requested statements. I sent her the statements per my conversation with you. 
XXXX XXXX - received a message from XXXX, again acting as though she had never contacted me before, asking the I send the statements. I resent the statements and emailed XXXX XXXX XXXX - Spoke with XXXX at XXXX XXXX dealership and sent him the statement once again. 
In closing, I could of out right purchased this vehicle cash, but choose to do the financing. Having said that, if I was treated so poorly I would of never gone through this ordeal. On Sunday, XXXX XXXX I received a call from the Finance Manager, XXXX at XXXX XXXX apologizing for how I was being treated and that the loan had finally gone through. Returning home from vacation on Friday, XXXX XXXX to find a note taped to my front door from Chrysler Capital - " Urgent Notification - Account Default '' Really completely blown away!! XXXX weeks after getting a call from XXXX ... now my thoughts are what the XXXX is going on?? Called Chrysler Capital on Monday, XXXX XXXX and spoke to a XXXX, Manager in Servicing and I immediately asked her where is the statements, coupons reflecting what 's owed. She could not give me an answer and said that NO documentation had been sent to me even when I explained that the loan had been finally funded. Lack of complete communication ... I did n't know what to think other than, a real poor way of handling customer 's and NO XXXX people know what the XXXX is going on!!
Consumer complaint received 2016-09-27
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NC)

Navient has repeatedly applied payments to the wrong loan, even when the payment amount and loan number are indicated on the payment slip. The company then charges late fees on the loans for which they did not apply the correct payment amount. Telephone representatives are unable to correct these errors.
Consumer complaint received 2017-03-14
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (NM)

Contacted Midland credit several times, I asked what the debt was and was told they do n't know as they bought the debt from another company. I explained I divorced in 2006 and asked if this could be my exwife 's debt. They did not know. I asked if they could send me any paperwork as I had zero debt. They said they only thing they could send me was a copy of the debt they bought, but nothing with my signature or proof of ownership. I asked them to remove it from my credit report and they said they could if I would send them a little money. This is very clear extorsion!
Consumer complaint received 2015-05-14
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (NY)

On Friday XXXX XXXX I signed on to the online banking to check my account when I noticed that my savings balance and available balance were XXXX different figures. I called the bank immediately and was told there was a court restraint on my account. I asked what this meant and I was given a collection agency to call XXXX to get assistance. I called the collection agency and was told they had a judgment against me from XX/XX/XXXX in my maiden name. I asked for some kind of information about this so I could check into it. The name is my maiden name and my address was wrong. All I was provided was the account was opened in XX/XX/XXXX and that the court awarded them a judgement in XX/XX/XXXX. This was the XXXX time I heard of this, I even asked if she was sure it was me and not my ex husband. She asked if I had an attorney to speak to which I did n't. They had put a hold on my savings account in the amount of {$1900.00} but the judgment I finally got a copy of shows the amount of {$1700.00} and there is actually due {$1300.00} but I was n't given anything to back up this claim. The agent explained that she will send a form to the bank for me to sign which will allow the bank to send them the money and release the hold on my account. She insisted I do this quickly because the hold will stay on my account and I wo n't be able to use my bank. I was so scared I went ahead and went to the bank to sign this form. I am curious though why the judgment had XXXX amounts on it and they took even more money. I have enclosed all the forms I have. 
Thank you
Consumer complaint received 2015-10-01
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

A garnishment was erroneously placed on my bank account XXXX legal fees were assessed for the order by the bank. The garnishment was lifted and all associated fees reversed aside from the legal order fees. Due to the erroneous nature of the garnishment, I want my fees reversed.
Consumer complaint received 2017-02-14
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

This case was disputed and the results are the same. I sent the original debt collector a notice to show validation of the debt pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ). The notice was sent by certified letter, copies of which were sent to the credit reporting agencies, Transunion, XXXX and XXXX. The validation of the debt was never sent to me which the credit reporting agencies were informed of this by the credit reporting agencies. ; however they never removed the debt Account # XXXX, for the debtor failure to validate the debt. Instead the credit reporting agencies continue to allow the debtor XXXX collection to put this debt on my credit reports with out validating the debt out the guidelines on validating a debt. Their means of validating the debt is simply responding electronically that I owe the debt. The issue with my initial complain was the address listed on the credit report XXXX TN XXXX the notices were returned, the address is not a correct address where the collection account can be reached. This error along with the debt collector not validating the debt should be gounds for it to be removed.
Consumer complaint received 2017-10-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Pinnacle Credit Services, LLC (LA)

I sent a certified letter to XXXX and the Collection Agency to verify/validate the debt by sending proof of verification that I owe this debt, it is not enough for the Collection Agency to simply send me a print out of an amount allegedly owed. 

If they are unable to verify this debt, they are not allowed to continue listing this debt on my credit report. I have made a dispute with the credit bureaus as well and they still are reporting this on my report without having verified this debt belongs to me. 

Please assist me with having this company remove the listing from my credit report. Thanks.
Consumer complaint received 2017-05-23
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. (FL)

My Experian Credit Report has halted all credit reporting activity from my creditors. My last active report was done on  XXXX   XXXX  ,2017. All o ther Exper ian Credit Reports have been ok. All of the sudden my whole credit history is gone and Experian is not reporting or the credit ors are not reporting to them since that date. I would like to know what happen.     My first action was to contact Experian, however the only simple resolution was to call all my creditors to report to them, but that will be a taunting task to do all myself. I have uploaded my most recent Experian Credit Report belo w. Two repres entatives tried to assist me but only came with  XXXX  recent closed  XXXX   XXXX  card since  2017   . They  XXXX  soft credit pulls. They do have a service called Experian  Credit Works and  also there regular consumer Experian website.     In addition I will also include the most current credit report that has nothing of my credit report information, just my personal information.     On a side note :  XXXX  and   XXXX   are reporting accurately
Consumer complaint received 2023-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

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Consumer complaint received 2017-03-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ORG GC GP BUYER, LLC (TX)

Pursuant to 15 USC 1692g Sec 809 ( b ) of the FDCPA. I sent a Certified Collection Validation Letter to GC Services Limited Partnership on XX/XX/XXXX. As of XX/XX/XXXX They did not reply to my request therefore this account should be removed from all 3 credit bureaus. According to XXXX they did not reply to my letter with the proof of debt. Instead, they filed the response under cease and desists all communication on XX/XX/XXXX. This information was put in by XXXX. However, the letter states " that no further telephone contact be made by your offices to my home or to my place of employment '' It does not state cease and desist written communication. I was told that GSC never forwarded my information to the original creditor XXXX. As a result and against 15 USC 1692g Sec 809 ( b ) of the FDCPA this account has been reported to all 3-credit bureaus.
Consumer complaint received 2019-02-24
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. (SC)

I became aware of ( 2 ) XXXX accounts that were taken fraudulently in my name in XXXX of XXXX. I notified XXXX directly followed by sending them an identity theft affidavit generated with the FTC. I was unable to get XXXX to correct the error. I then followed back up on XX/XX/XXXX and XX/XX/XXXX through certified service, proof of service attached separately. I once again formally disputed the ( 2 ) accounts, requesting them to adhere to both FDCPA and FCRA. Both times they failed to adhere to FDCPA and FCRA regulations by not responding. I then notified all ( 3 ) credit bureaus, XXXX, XXXX, and Transunion of my efforts and started the formal process with them. 

I had informed them of the following as a result, " I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind you that you may be liable for your willful non-compliance, as per FDCPA 807. False or misleading representations [ 15 USC 1962e ] As you have now violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or in-action ) on your behalf will result in a small claims action against your company. 
I will be seeking {$5000.00} in damages for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act I'm also aware that, " All accounts did not meet the XXXX XXXX compliance requirements for reporting accurate data. I included the FTC Advisory Opinion to XXXX ( XXXX ). In sum, it is our view that a CRA that always scrambles or truncates account ( or social security ) numbers does not technically comply with Section 609 because it does not provide accurate ( and perhaps not clear ) disclosure of all information in the file. They basically state that by not reporting the entire account number, they are not reporting 100 % accurate information as required by section 609 of the Fair Credit Reporting Act.
Consumer complaint received 2015-06-12
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ENCORE CAPITAL GROUP INC. (HI)

I have put in XXXX disbute requests with Midland Credit Management a number of times and have not heard anything from them. The credit card they are trying to collect debt from, is from imagine mastercard in which I never applied for. My mother, whom I was living with at the time, put a number of credit card account and other accounts in my name using her contact information. I have been fighting this battle for a while now, I have had luck from XXXX other companies and they have removed the debt. This company has made no attempt to provide me any information. The original Credit Card company, XXXX XXXX, has also been considered, a closed down company due to fraud themselves.