davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Portfolio Recovery Associates has illegally placed a debt on my credit. I have no knowledge of this debt and I do not have a contract or agreement with this company. This company did not legally provide any written contract information in regards to this debt nore did they contact me in regards to this debt. They have violated my credit rights and need to remove this account.
Consumer complaint received 2020-10-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (AK)

I had a Capital One card for years and I asked them to take off the monthly fee that I had been paying for years and they refused so I paid the entire amount of {$1400.00} off on XX/XX/2020 and closed the account. Now they are saying that I owe another {$18.00} for interest even though I paid the entire amount due. I called Capital One and spoke with two people, one told me here was XXXX, and I can't remember the first ones name, but XXXX went into a long reason why I was still paying interest. I told her that with this system I would be paying interest forever and I don't think it is legal and if it is, it shouldn't be. When something is paid in full that should be it!!!!!. Please explain to me how and why they can do this. Please publish this because I am sure the consumer is not aware that they are being charged interest even though they don't owe anything anymore.
Consumer complaint received 2021-02-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OK)

On XX/XX/XXXX I called XXXXXXXX XXXX for a different matter than what this complaint is about. I spoke to XXXX at XXXX. I found out that my XXXX account was written off to fraud in XXXX. XXXX stated that I did not owe this debt since they wrote it off. He told me to call Portfolio Recovery Associates and to have them remove the debt off of my credit reports that has been reporting since XX/XX/XXXX. I told him that as of two months ago I was still receiving notices to pay and that I owe them this debt. He stated that the debt is not owed. 

In XX/XX/XXXX Portfolio Recovery Associates attempted to sue me in my local court system. He said it was written off before then. As of the date of the write off to fraud, Portfolio Recovery Associates has continued to break the FDCPA and my rights under federal law. They have caused me great financial harm. I have contested this debt several times through the credit bureaus with no relief. Portfolio Recovery Associates continue to tell the credit bureaus this is a valid debt, which it is not. 

I never received a validation of debt letter. Under California law, a creditor/collection agency does not have to provide one. I never received one. Next, this was written off on XX/XX/XXXX by the original creditor. They never sold the debt to PFA. I do have the write-off letter to prove my case that this, as of XX/XX/XXXX, is an invalid debt and by PFA continuation of the collection is a fraud. I have requested a full transactional history of my account. XXXX from PRA said I would have it within 10 days. I have not received that, but I did get a letter dated XX/XX/XXXX asking for fraud information. If they bought this debt from XXXX XXXX why have they not done their due diligence to get to the bottom of it. They are violating my rights under the FDCPA. They are literally breaking the law by collecting on a debt that is no longer valid for the sake of trying to collect on the debt. The letter from XXXXXXXX XXXX  will be attached.
Consumer complaint received 2018-06-11
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY (AZ)

On XX/XX/XXXX, American Express sent me an email stating my payment had not arrived. I never set up for such email alerts. My payment is due on the XX/XX/XXXX and was not late. I called on XX/XX/XXXX to inquire about my payment and it was received XX/XX/XXXX. So not only was my payment received before the email was sent out, it also was not late. I requested that the email alerts be removed and he said I had to do it online. I'm on vacation and don't have time for that. So not only did I have to take time out of my vacation to call them to inquire on a payment that was received now I need to remove myself from such alerts that I never signed up for. I want American Express to stop emailing me and remove me from any email alerts they send to my email. My payment is always made on time.
Consumer complaint received 2021-05-22
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc. (PA)

Hello, I have disputed my credit acceptance account multiple times, experian has not completed my request at all. This vehicle is not my vehicle and is not on XXXX & XXXX just experian. I need this account removed. It's an truck and need it removed.
Consumer complaint received 2016-07-27
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: NAVY FEDERAL CREDIT UNION (CA)

A loan was created illegally thru NFCU, I was put off for months said would take loan off my accounts as of XX/XX/XXXX, never was, changed amounts added loan after date it was to be removed, added money into my checking account from a closed account in XX/XX/XXXX, more stories and accusations from them, I ca n't handle it anymore. I 'm tired of all the shady business and rude crude unattractive CSRs and from the XXXX XXXX and XXXX I can Handle. These attachments tell the whole story with their own paperwork I have enclosed.
Consumer complaint received 2024-04-03
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: NAVY FEDERAL CREDIT UNION (FL)

This is an official notice of SUBROGATION AND SUBSTITUTION I am invoking my right to Equitable subrogation, I have attached a power of attorney to this complaint, I have the signed and notarized copy for my records. 
also A copy of the surety report has been attached as well. 

I would like a ledger investigation for each transaction and the accounting for the securities, from the open date of any and all accounts associated with my social security number, cusips and otherwise. 

I am XXXX XXXX XXXX I would like 80 % of all of my securities transferred to my brokerage account XXXXXXXX XXXX XXXX information listed below
Consumer complaint received 2022-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

My complaint is about my personal information. I have contacted the credit bureaus several times about updating my personal information. Putting the correct address as Current and removing all other addresses that doesn't contain to me. 

They are not my addresses and I do not want to mix and merge my files or want the wrong information being sent to those addresses they have on file which I do not want no one to have any of my information because of all the scam and Fruad stuff that's going on. 

Please update my correct address on file and remove all others which they are not mine and never lived at those addresses. 

I also contacted the company by phone XX/XX/2022 as well as writing a letter like they told me and still haven't fixed the issue.
Consumer complaint received 2019-05-13
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: Experian Information Solutions Inc. (NY)

I had put in a letter here about how there was 2 fraud hard inquiries that were not authorized by me made on XX/XX/2019 for XXXX XXXX and XXXX XXXX. I got a letter back saying some ip address I am unaware of. This ip address was used on both applications. I have made several attempts speaking to XXXX XXXX and XXXX just keep getting the run around. It's been over 30 days and I feel that under the fair credit act this should be reversed since I have no idea with all due respect how this happened and clearly was not made by me. In the letter it stated there was attempts to call me but I never got any said calls. If someone can please finally help me with this nightmare.
Consumer complaint received 2018-06-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/2018 I was charged XXXX dollars overdraft fee because my account was overdrawn by XXXXXXXX XXXX. I noticed the fee but I didn't call until XX/XX/2018 when my checking account was hacked and had an unknown charge so I also complainted about my overdraft charge.

I spoke with a manager named XXXX who told me that the charges couldn't be removed. I told him that I have 3 other accounts in Fl banks and I have never seen this happened. Particular one of the banks told me the couldn't charge a customer for less than a dollar. XXXX   told me that there was not law that prohibited him to charge the account if it was not covering the full balance and that my charge was staying on the account.

I have proved of the bank statement as well as a picture of the mobile site and the account was only XXXX XXXX under. I am not sure if this a case that can be investigated, but in my opinion this is an abuse to a customer. I attaching a picture for your review. 

Please help!
Consumer complaint received 2017-12-08
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. (VA)

After multiple phone calls, letter and online disputes fraudulent inquires still are showing on my Credit Report and they need to be removed. See below for the items in reference. 

Equifax : XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX  Inquiry from XXXX XXXX, XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX  Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry from  XXXX XXXX, XXXX
Consumer complaint received 2019-05-13
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (MD)

I applied for an equity loan with Chase and was declined because of a low credit score with XXXX. My XXXX score is XXXX and the representative said it was XXXX. I feel Im being discriminated against after I said I am XXXX XXXX. When I asked how do I appeal he gave me the wrong email. When I asked a second time he gave me the correct email and his demeanor changed when I told him I was registering a complaint. I want to purchase my parents home by paying off my siblings for XXXX. The house is paid for so I would increase my net worth. Some people just dont want to help others succeed even though they have been in good standing with the bank for many years.
Consumer complaint received 2019-05-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I had put in a letter here about how there was 2 fraud hard inquiries that were not authorized by me made on XX/XX/2019 for XXXX XXXX and XXXX XXXX. I got a letter back saying some ip address I am unaware of. This ip address was used on both applications. I have made several attempts speaking to XXXX XXXX and Transunion just keep getting the run around. It's been over 30 days and I feel that under the fair credit act this should be reversed since I have no idea with all due respect how this happened and clearly was not made by me. In the letter it stated there was attempts to call me but I never got any said calls. If someone can please finally help me with this nightmare.
Consumer complaint received 2017-12-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (TX)

Been trying to Transfer information from JPMORGAN CHASE XXXX TO CHASE BANK. BEEN IN CONTACT WITH THE BRANCH. JPMORGAN XXXX XXXX XXXX WITH CODE AND INFORMATION ABOUT THIS SITUATION WITH CHASE XXXX TX. 
. OPEN ED A ACCOUNT WITH MONEY OR DER WITH IT TOO A COUPLE DAYS AGO. CLEARED FOR MY FUNDS, BUT PRIVATE BANK EMPLOYEE DE NED THE RE FUNDS TO PAY FOR THE A ACCOUNT PLUS CANCEL LED MY ACCOUNT WITH OUT AUTHORIZATION FROM ME. I RECIEVEED THE CODE OF CONDUCT WHITE IS NOT HONORED AND I FIL. TODAY I WENT BY TO TALK AND COLLECT MY FUNDS SPOKE WITH FINANCIAL SERVICES -WAS RUDE NO COMMUNCATION OR CUSTOMER SERVICE SPOKE WITH PRIVATE CLIENT EMPLOYEE -RUDE DE NED MY REFUND FROM JPMORGAN CHASE AND CANCEL LED MY ACCOUNT WITH OUT AUTHORIZATION FROM ME SOMETHING NEEDS TO BE DO NE ABOUT THE SITUATION. THE NEED TO IN DER THAT I - WE ARE UNITED STATES CITIZEN. SO I RETURN TO THE BRANCH AND THE WALKED A WAY. CODE OF CONDUCT HAS TO MFAN SOMETHING??
Consumer complaint received 2019-05-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Choice Recovery, Inc. (NV)

I received a credit alert that I had a new collection attempt on my credit report. The alert shows Choice Recovery Inc is attempting to collect a dental bill. I have no knowledge of this. I also did not receive any documentation related to the collection attempt. 

Choice Recovery Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX I have contacted Choice Recovery and have not heard back.
Consumer complaint received 2017-11-30
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Social Finance, Inc. (OH)

Some background : I graduated in XXXX XXXX and 6 months after, in XXXX XXXX, I was expected to start repaying my loans. In attached documents you will see the principal amount, interest rate, and monthly payment amount. The job market has been tough, so I have been working several part time jobs, XXXX XXXX to make ends meet and have been trying to find salaried work for about a year and half. No luck, so I plan to obtain a XXXX certificate and become a XXXX in the coming year to two years. 

Since I have been expected to start making monthly payments, I think I have been able to make a total of 4 or 5 payments. SoFi has worked with a little bit, they granted me two 3 month long Economic Hardship Forbearances and these have helped immensely. However, there is a limit to how many of these you can be granted throughout the lifetime of the loan. ( As a side note, none of the representatives I ever talked to informed me the there was a limit on the amount months you could be in Economic Hardship Forbearance. Luckily, I read this in the fine print randomly on their website. ) I have used 6 of the 12 months allotted for my loan lifetime and am weary of using the other 6 when the lifetime of the loan is so long. I ca n't guarantee that I wo n't be in a similar financial hardship in the next 20 years, so you can understand why I want to avoid burning through this forbearance allowance in the first year. 

For XXXX XXXX, I have been unable to make the monthly payment. I was doing fine until we hit the slow season at work ( XXXX XXXX during the holidays is hit or miss, for my job unfortunately it has turned out to be a huge miss ). So I called SoFi today  ( XXXX XXXX, XXXX ) to inquire about ways to lower my monthly payment. They forwarded me to XXXX, the company that works with them to process all payments. I spoke to XXXX who said my only options are to either 1 ) refinance or 2 ) apply for an economic hardship forbearance ( the  forbearance I described above ). I explained to him that neither of those options are reasonable because one, refinancing requires a hard inquiry on your credit ( which isnt worth doing when nothing drastic about my financial status has changed since the original financing of the loan ) and two, for the reasons mentioned above, I do n't want to use more months of the economic hardship forbearance. 

I then inquired about an income driven repayment plan to help adjust my payments to the income I 'm making. He reminded me these types of plans are only for federal loans, not private ones and basically said, sorry, youre out of luck. He told me to have a good evening and the phone call ended. This conversation unfortunately mirrored past conversations with SoFiXXXX where I left feeling hopeless and even more stressed out about the looming monthly bill.
Consumer complaint received 2016-08-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation (IL)

On XXXX XXXX, I closed a checking account at a bank with the intent of opening a new account with a credit union. As soon as I had opened the new account, I began changing information relating to automatic withdrawls of bill payments. I started with a phone call to the mortgage servicer, Phh Mortgage. I explained to the represenative that I had closed my old checking account, and wished to change the automatic withdrawl information to that of my new checking account. I had tried to do this online, but some strange problem with trying to set up a new password forced me to the phone. The rep informed me this could not be done by phone, that I would have to fill out a form and mail it back. I asked for the form and she said it would be sent out. She informed me that it was already too late to change the information in time for the XXXX XXXX payment, and provided me with a payment mailing address. I mailed a payment which was received and processed on time. On XXXX XXXX, PHH attempted to process the automatic withdrawl using information for the closed account. The payment was naturally refused, and PHH applied a {$25.00} NSF charge to my account. I received a letter to this effect on XXXX XXXX. I called them, and explained what had happened. The representative I spoke to, XXXX, stated that there was no information on thr account regarding the closing of the old checking account. I asked to have the NSF charge reversed. His supervisor denied the request. I should not have to pay for the incompetence of a PHH representative, and I want this charge removed, and an apology from PHH management for the performance of the representative, and the attitude of the supervisor.
Consumer complaint received 2021-02-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Certified Solutions, Inc (NJ)

During XX/XX/XXXX I was involved in auto accident and admitted to the XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, NJ from roughly XXXX XXXX. I only spent that morning in the hospital before being released later on that afternoon. I had came to the ER department as instructed by the physician for 3 more checkups following that day. As I reported the incident to my auto insurance company XXXX XXXX during that Thursday, my PIP coverage was fully able to cover my hospital expenses. Within the timeframe of the year, XXXX Billing Department sent this so called outstanding bill to debt collectors. Even while they got paid as stated by a billing specialist. This fabricated unpaid debt has affected my credit score with delinquencies reported monthly during the year of XXXX til now.
Consumer complaint received 2019-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I sent a certified letter to XXXX XXXX XXXX ( XXXX ) on XX/XX/XXXX that was signed for on XX/XX/XXXX. The letter was a formal notice of dispute. I received a reply from XXXX dated XX/XX/XXXX stating that their investigation was complete and stated the account was being reported correctly. I waited 37 days to verify XXXX violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the required disclosure, notice of dispute, within the required 30-day period. I sent a certified letter to Trans Union stating that XXXX did not notify Trans Union about my dispute along with a copy of my initial dispute letter to XXXX, proof of delivery, credit report dated XX/XX/XXXX, and a credit report dated XX/XX/XXXX to show that the notice of dispute statement was not reported. Trans Union has disregarded my proof of XXXX XXXX XXXX  's violation of the law and refuses to remove this trade-line.
Consumer complaint received 2020-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/19 My credit was run twice, once through XXXX XXXX ( My lender on my car loan ) and once by the dealership ( XXXX XXXX ) I called XXXX XXXX and they were not properly able to explain why the dealership had run my credit even though they were not my lender. This dealership also completely manipulated the buying process for me in which I will be creating a separate complaint.
Consumer complaint received 2019-10-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (CA)

IC SYSTEM ( 11 XXXX XXXX  XXXX  ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$450.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2019 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2019-05-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: CommonBond, Inc. (CA)

During a refinance process, I received confusing communication regarding my loan balance and as a result of this miscommunication, my account was reported as late and adversely affected my credit score unfairly. I now have to spend a ton of time disputing my credit with the bureaus as a result of their faulty operations. This has been a total nightmare.