davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-09
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio Recovery Associates is in violation of 15 USC 1692c ( c ) of the FDCPA.

It clearly states : If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except - ( 1 ) to advise the consumer that the debt collector 's further efforts are being terminated ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy Not only did Portfolio Recovery Associated contact me against my wishes via mail after I sent them a cease and desist in writing, their communication was outside of the 3 things that are allowed via the law after they receive such notification from a consumer. They are also still communicating with me INDIRECTLY through a MEDIUM ( my consumer report ) - which the CFPB states on their website is OPTIONAL.

Reference the definition of " communication '' pursuant to 15 USC 1692a : the term " communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. 

They are clearly in violation of the law ( FDCPA ). They are harrassing and oppressing me by continuing to contact me against my wishes as a protected consumer. 

Attached you will see that I sent my cease and desist on XX/XX/2021 and they contacted me on XX/XX/2021.
Consumer complaint received 2020-09-16
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 (VA)

On XX/XX/2020 at XXXX XXXX ET I received a text message Fraud Alert from XXXX XXXX ( Barclays ) informing me that a charge for {$1600.00} at XXXX XXXX XXXX was approved on my account and prompted me to verify if this charge was valid or fraud. I immediately contacted XXXX and informed them that I had not made the charge and requested that they also close the credit card account. On XX/XX/2020 a letter was issued to me from Barclays informing me that " the account has been closed due to suspicious activity and is pending an investigation. '' On XX/XX/2020 a letter was issued to me informing me that " this letter confirms that the fraud investigation has been completed ... After conducting our investigation, we have determined that you are not responsible for the reported fraudulent activity. '' On XX/XX/2020 a letter was issued to me informing me that " Our research has indicated that the transaction ( s ) is valid. The transaction ( s ) has therefore been placed back on your account. '' After receiving this letter on XX/XX/2020, I immediately called the number provided for the Fraud Investigation department ( XXXX ) and spoke to XXXX ID # XXXX She informed me that their investigation showed that the vendor was able to prove that the charge was credible, but would not tell me what exactly that meant. She went as far as to suggest that I just didn't remember making the charge. I requested to speak to a supervisor and was told by her that she would put in a request to have someone call within the next 7 to 10 days. I tried calling another phone number for Barclays customer service and was routed back to speak with the same person XXXX XXXX XXXX in the Fraud Investigation department.
Consumer complaint received 2018-07-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: AMERICAN EXPRESS COMPANY (FL)

I was a victim of hurricane Irma last year and during this time my payments on two cards fell behind and were charged off as bad debt. I contacted the company before the charge off was initiated to try and get an extension and they agreed to at the time. I noticed that the account was charged off anyway and this has company ruined my credit after I was told differently by phone.
Consumer complaint received 2021-08-09
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MONEY SOURCE, INC., THE (NJ)

I had an FHA approved forbearance from XXXX with XXXX XXXX, I resumed regular payments on XX/XX/XXXX. 
My forbearance paperwork 'Promissory Note ' was sent with incorrect information on the documents. The documents stated I am delinquent 8 payments, my forbearance was only 6. 
My loan was sold without the documents being corrected and this issue left outstanding. The new servicing company is the Money Source. They have also generated the same incorrect information as the previous company and will not make the correction. 
Furthermore, I have asked the legal department and the loss mitigation departments of the Money Source to provide the guidelines to me via email that allows them to charge me an additional 2 payments, so I may be informed. No one has provided that information. The accounting department of The Money Source shows 6 payments due. Please find out why they will not generate paperwork with the correct amount due. I am NO longer in a forbearance period and have been making monthly payments since XX/XX/XXXX. Forbearance is payment for payment. They are now threatening to report my credit if I don't sign the documents. They are telling me that my payments aren't due but I have been receiving monthly statements to make payments for 3 months. 
Please help! 
XXXX XXXX
Consumer complaint received 2018-04-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Perfection Collection (CA)

We never received any written notifications, phone calls, or messages from a company named Perfection Collections before they showed up on our credit report on Friday, XX/XX/XXXX as an outstanding debt. After some research, we found out that they are a debt collector for XXXX, a security service we used back in XX/XX/XXXX-XX/XX/XXXX, for a house we owned in XXXX XXXX, NV. We discontinued service by not signing an extended service agreement after our two-year service agreement ended and because they never responded to an intruder in the house and hired a new security company to provide services to the home. We between the years XX/XX/XXXX and XX/XX/XXXX, we have written several letters and e-mails to XXXX inquiring as to when they will clear out our account of the XXXX dollar ( {$55.00} ) security fee they charged us for what they state was something that was due to us causing the alarm to sound. However, they are responsible for providing security services and did not do that in a timely manner thus leading to another security company responding and our neighbors responding to the intruder along with the local XXXX XXXX Metro Police Department.
Consumer complaint received 2018-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (NY)

I returned a leased vehicle 2 months early with full payment for those 2 months. I was not informed that there would be an early termination fee ( which I feel shouldn't apply. since, I was not so much terminating the lease as I was completing payment obligation ). In any case, I agreed on a settlement amount ( 1/2 of fee ) and paid as requested on time. since that my credit was reported as delinquent and reduced to " bad ''. I called them and they agreed that it was an oversight of theirs that they would correct. My credit did improve after that with 2 of 3 agency 's that I monitored using XXXX XXXX as an indication. However, I was just informed by my bank while trying to apply for a refinance of a loan that XXXX still shows me as delinquent. It has been nearly 1 year since this started and I feel I have been hurt financially repeatedly over months for their inaccurate reporting. And the fact that they were informed months ago and still have not corrected, leaves me feeling bullied. I hope you can help in this matter. I can not afford this. 
XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2022-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IN)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2023-01-27
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I started with a XXXX, applied for credit card and my points dropped by XXXX. Then another XXXX points. A few days later I paid off the card and the my points dropped again by XXXX. XXXX is my current XXXX XXXX. Says Between XX/XX/2023 and XX/XX/2023, your credit card account with CAPITAL ONE was removed from your credit report. Since this account is no longer on your credit report, its details won't be factored into your XXXX XXXX. Accounts can sometimes be removed due to things like disputes and reporting errors. I never closed my account or removed it. This is an error.
Consumer complaint received 2023-01-27
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (LA)

XXXX XXXX I purchased a {$500.00} Gift Card from a local grocery store. I have the approved and authorization number showing the {$500.00} was added to the Vanilla Gift Card. After the XXXX XXXX XXXX XXXX XXXX XXXX tried to use the card and it was declined. I went to the Vanilla Gift Card website to check the balance and it kept giving me an invalid card number. I called the customer service phone number that is on the back of the card. Vanilla Gift Card customer service said someone else called concerning the account number that is on the card to be replaced. They supposedly lost the card. They gave me a case number and was informed I would receive an email from XXXX. It took 10 days for me to receive the email. I followed the directions in the email which I submitted front and back of gift card, the approved activation for {$500.00} and my drivers license. I have not heard back from them since I emailed them which has been at least 3 weeks ago. I called them today and was told it takes up to 90 days to hear back from them. Poor customer service. I just want my {$500.00}.
Consumer complaint received 2021-08-09
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: DISCOVER BANK (PA)

I was the victim of a scammer in XX/XX/2020. The scammer asked for a cash advance from my Discover card in the amount of {$10000.00}. Discover never asked me if this was legitimate and went right ahead disbursing it. I didn't find out about it right away. 
My lawyer wrote to them asking for an explanation. They did not reply. They earlier claimed they had investigated this and held me responsible. I have never, ever, asked for a cash advance from any credit card, and certainly should have been asked to approve the transaction. I am a senior citizen and this is a lot of money they expect me to pay. 
This transaction occurred on XX/XX/2020. I will be glad to answer any questions you have.
Consumer complaint received 2020-09-16
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. (NY)

I am writing to dispute fraudulent charges on my account. I am a victim of identity theft. The charges on my account were not authorized. Please block and remove these accounts from my report, that any finance and other charges related to the fraudulent amount be blocked and removed. I am also requesting that I receive an accurate statement. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Consumer complaint received 2020-08-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Jon Barry and Associates, Inc. (TN)

I received a phone call from Paragon revenue group in XX/XX/2020 stating I had a debt placed with them. I told the representative in that phone call that I didn't have such a debt and I requested validation of it as provided by law. I then prepared a written statement outlining that the debt was incorrect and false and asked for proof of such debt. The letter was mailed via USPS and signed for by Paragon Revenue indicating receipt. On XX/XX/XXXX the account was listed on my credit report and no proof of the debt has been provided. Zero proof or documentation has been provided by the collector. This fraudulent reporting has damaged my financial well being.
Consumer complaint received 2021-08-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I am not liable for this debt with XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  and I do not have a contract with PORTFOLIO RC plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$610.00}
Consumer complaint received 2021-04-25
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

This company by the name of portfolio recovery is making my life hard very hard and stressful to all the calls that I keep receiving from different numbers and fraudulent tactics that they are using, by calling me with area code from Texas, New York, XXXX, Florida etc. calling me on a Sunday morning all time of night and day. I am a 100 percent total and permanent XXXX veteran that is currently suffering with XXXX and XXXX XXXX and it is not fair for this company to keep on bothering me. It is very unfair, unjust and unconstitutional for this company to be harassing people the way that they are doing. I have no business with them and I truly want them to stop or by any means to find a way to sue them and I will contact an advocate to help me deal with this company. Please make them stop it is not fair
Consumer complaint received 2020-06-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (AR)

XXXX XXXX XXXX XX/XX/2019 {$8500.00}. This account has been paid in full. Ive asked for this account to be removed. because balance was -paid. XXXX XXXX has agreed but this account is still on my credit report. This account has caused me an financial set back. This company is violating my rights.
Consumer complaint received 2021-08-09
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2020-09-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (MI)

BSI Financial has charged several fees where they will not break down and itemized list of dates relevant to the fees being charged. For example uncollectable fees add up to over {$400.00}, but they won't give me specifics per each transaction.

One of the fees which has been illegally charged to me was Administrative Fees charged on. This was after a bankruptcy. I was discharged on XX/XX/XXXX. 

Note the excerpt that was sent to BSI 's attorney XXXX XXXX from the Bankruptcy Attorney 's Office, XXXX XXXX ( who represented me on XX/XX/XXXX. 

" She contacted me because there was a late fee applied on XX/XX/XXXX in the amount of {$470.00}. She tried to call and find out what this is but no one will discuss it with her. A Notice of Final Cure was filed on XX/XX/XXXX and no response was filed by your office. Please let me know what this late fee is for and why it was issued the same day as her discharge. I have attached a copy of the statement. Thank you. '' There was no response from the Attorney. In addition, I have continuously asked for an explanation from customer service on a recorded line as well as the Loss XXXX, XXXX XXXX for who I spoke with on the telephone on a recorded line on XX/XX/XXXX. When I gave him the date relevant to this fee, he indicated that his computer was locked and that he would have to get back to me. I gave this two weeks and sending him another email XX/XX/XXXX, I am still getting the round around with no explanation regarding the " administrative fees ''. 

I am very concerned that the administrative fees was an illegal act. In addition, these other fees are not balancing to what I am being charged. I am requesting an assessment of these fees ( itemized ) and the illegal administrative fees charged removed.
Consumer complaint received 2021-08-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Carter Business Service, Inc. (MA)

I received hospital care last XXXX. Part of that was a consult from XXXX XXXX XXXX XXXX XXXX. My name on the bill received was incorrect. I contacted XXXX and told them the amount was covered by my medical Insurances and I gave that information. However, I kept getting bills. I spoke to XXXX multiple times. I wrote two letters. I was told multiple times, that this will be taken care of and I would hear back. This has not happened. It was like starting over with each person I talked to- they appeared to have no knowledge of the information I had provided or my attempts to correct this error on XXXX 's part. At XXXX 's request, I called XXXX who told me the bill was paid. 

Now I have been contacted by a debt collection agency. Carter Business Associates- who states I owe this amount to XXXX XXXX , who I have never had any dealings will.
Consumer complaint received 2018-04-02
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (CA)

I am the cosigner on a loan with Nelnet. On XX/XX/17 the primary borrower made a payment to the account for the amount of {$560.00} and received confirmation from Nelnet that the payment was processed. Approximately 3 days later Nelnet informed the borrower that the payment did not go through and that he would need to re-submit, which he did. He again received a confirmation that the payment went through ( and this time showed me the confirmation, which included a confirmation number ). At the time he received the confirmation ( with the confirmation number ), the payment was still within the 90 day window before they would report a delinquency to credit agencies. 

Nelnet replied back to the borrow approximately 4-5 business days after the borrower submitted the payment letting him know that the payment was unable to be processed and that he would need to resubmit payment. What they did not communicate is that they also reported the payment as delinquent to reporting agencies, causing my credit score to plummet. What I feel is wrong about this is that the borrower was actively working with Nelnet to make the payment and received a confirmation number twice indicating the payment went through and yet they have now permanently damaged my credit score as a result. The issue is that they gave us an incomplete picture of the state of the payment ( nowhere in the confirmation image does it mention the payment is still pending and in fact it contains a button that says " print for your records '' which causes the user to think that the payment has completely gone through )
Consumer complaint received 2018-04-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (VA)

Every month Wells Fargo started charging me XXXX  XXXX or more to have a free checking account. Ive been with XXXX and XXXX XXXX for over 20 years. I never agreed to begin getting charged for this. Did not authorize this charge or overdraft fees associated with this bank.
Consumer complaint received 2021-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: CNG FINANCIAL CORPORATION (CA)

Check n go has conflicting dates as to when this account was opened one date is XX/XX/2018, according to my transunion credit report. And it reports XX/XX/2018, according to XXXX. This debt collector has re-aging inaccuracies the date of the first delinquency on a cunsumers account to a later date and duplicate reporting, particularly following transfers ect