davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-13
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: M&T BANK CORPORATION (NC)

I have an FHA loan with M & T Bank that my husband and I used to purchase our home in XXXX. We paid as agreed for 5 years until my husband suddenly passed away in XXXX. He was the sole breadwinner in our home, and I am in dire straits as M & T Bank is moving to foreclose on me. My daughter lives in the home with me along with XXXX granddaughters and she does contribute towards the bills, but not enough that I am able to keep up with the mortgage payment. I have applied for XXXX and survivor benefits and have a hearing coming up soon, but will not receive any benefits until AFTER the hearing. I have tried to explain this to M & T but they have been very heartless. Their agents have called me wondering where the payment is, and threatening me with foreclosure and eviction. I then applied for help through the government FHA programs but M & T has not willing to work with me or consider me for any options. 

I have been told that M & T should be offering some type of " grievance forbearance '' due to the death in the family, where no payments are due for a few months in order to get my family affairs in order. However, M & T has not offered this option. I also know there are other types of programs including modification, partial claim and special forbearance, or even " suspended payments '' that could assist me during this difficult time. Once again, M & T Bank has not been willing to give me any help or any consideration for assistance. I assure you, once I have the XXXX hearing and benefits are awarded I will be able to resume making payments. I ca n't believe that M & T is moving so aggressively to foreclose on me instead of giving me a grace period or some consideration for my situation. I ca n't believe that this is allowed. I am sure this situation has happened before, I know they need to get paid on their loan but would expect some consideration and a fair negotiation.
Consumer complaint received 2019-06-04
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MO)

On XX/XX/2019, I received a letter from Portfolio Recovery Associates, stating that my account was sold to them. I sent them a letter asking for validation, and they replied with copies of my monthly billing statements. 

On XX/XX/XXXX, I sent out another letter to them, via certified mail, asking them to specifically validate the debt. 

As per this consent decree of XX/XX/2015 brought by the Consumer Financial Protection Bureau against Portfolio Recovery Associates I requested that they produce affidavits from the original creditor that show a complete and accurate accounting of the amount alleged owed. 

I advised them that this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that their claim is disputed and validation is requested. This is NOT a request for validation or proof of my mailing address, but a request for Validation made pursuant to the above named Title and Section. I am hereby requesting that their office provide me with competent evidence that I have any legal obligation to pay them. I asked Portfolio to immediately provide me with the following : *What the money you say I owe is for ; *Explain how you calculated what you say I owe : *Provide me with copies of any papers that show I agreed to pay what you say I owe ; *Provide a verification or copy of any judgment if applicable ; *Identify the original creditor ; *Prove the Statute of Limitations has not expired on this account ; *Show me that you are licensed to collect in my State ; and *Provide me with your license numbers and Registered Agent.

Portfolio replied back saying that they are considering my dispute concluded since I did not provide any new information. However, it is up to them to validate this debt and provide me with the requested information. Otherwise all acts of collection must be ceased.
Consumer complaint received 2019-06-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

Back in XX/XX/2019 there was a unauthorized charge from XXXX XXXX that came from my bank account through Fifth Third Bank I got in contact with the bank on several occasions was able to get a representative from XXXX and the bank on the phone together and have the funds reverse to my account coming up now onto XX/XX/2019 the bank took away a credit and said that the situation was not correct it between them and XXXX XXXX   closed this Feud and charge me a XXXX XXXX XXXX this put me negative and I have been stuck with nothing but excuses from the bank telling me they had to reopen their investigation extremely rude to me demanding paperwork that I do not have because this was an unauthorized charge Fifth Third kept telling me they need it prove I paid the bill and on several occasions I explained to him that there was no bill due to pay I can not provide you proof they told me to take 30 days to get this straightened out we are nearing a 30-day Mark with no resolution in my account now is double the amount it was negative the first time around and I keep constantly playing catch-up with no response from the bank and no help whatsoever
Consumer complaint received 2015-05-08
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

This companyPortofolio recovery asscXXXX vaCalls on old debts credit card that have been charged-off by original creditor and even been mailed a XXXX. These debts are old, though this co has bought them and has cleed at home on my cell-phone at all hours. They call and leave no messsage at home on cell. They call from several numbers likeXXXX XXXX XXXX XXXX XXXXto name a few. I fell harassed by this company for these old debts.
Consumer complaint received 2022-09-14
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO. (MO)

I am submitting this complaint to you and your company for a goodwill request. I have kept a good paying history with you. I noticed a late payment on my credit report AND IM NEVER LATE. I typically have my account on automatic but misunderstood how the online system worked. Im asking as a long-time customer to please remove the late payment. My family and I have been through a lot since one of my family member got sick and we are finally getting back on our feet and this late payment is bringing us back down : JPMCB AUTO XXXX Balance Owed : {$0.00}
Consumer complaint received 2020-07-21
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: I.C. System, Inc. (MI)

The IC systems company has taken longer than 30 to resolve or respond to a dispute on my credit report causing me to look as if I am not responsible. This debt is from XXXX  which is past the statute of limitation to report. I have been fixing my credit for 8 months and this company come and puts this information on my report as an open account. That is a false statement and a violation of the FCRA. IC systems and XXXX are playing the blame game with saying that they reported it to the bureaus to take it off and the informaation would be sent back to the original creditor. Well that never happened. I had plans to get a vehicle for the summer and got denied credit due to this erroneous informaation being reported and now I have lost points and credibility. My integrity and my character has been blemished due to the negligence of this company. I spoke to XXXX on Friday XXXX XXXX and he stated that there will be a letter sent to XXXX  to update the information and the account should be removed. It has not been done til this XXXX day of XXXX. There were 2 accounts that were charged off and were reported as open accounts. 
This has caused me grief during the pandemic crisis. I have worked so hard to get my credit in good standings and for this company decides to put erroneous information on my report and now my rates are shooting out the roof with high interest rates. I am paying more my mortgage than I have to due to my credit score being lower than it suppose to be. I lost total of XXXX points for the negligence of this company, I want this company and XXXX  to pay for the damages for my pain and suffering. I spoke to XXXX and they stated that they never recieved notification to remove this account. At this point I have lost time that I can not get back.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

I WAS IN A NIGHTCLUB WHERE MY PURSE WAS STOLEN IN XXXX, I WAS ADVISED TO START MONITOR MY ACCOUNTS. I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS I HAVE NO KNOWLEDGE OF OR AFFILIATION WITH. THESE ARE NOT MY ACCOUNTS. 
I CONTACTED XXXX, EQUIFAX, AND XXXX ADVISING OF THE INCIDENT AND REQUESTING VERIFICATION. 

I HAVE THE RIGHT TO PRIVACY AND I HAVE NOT GIVEN ANY WRITTEN CONSENT FOR THIS INFORMATION TO BE REPORTED TO MY CREDIT REPORT WHICH IS IN VIOLATION OF 15 USC 1681B ALSO FURNISHING ACCOUNTS TO REPORT DUE TO IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 I ALSO REQUESTED THAT ADDRESSES THAT ARE NOT MINE ARE REMOVED TO PREVENT LINKING ME TO ANY OTHER FRAUDULENT ACCOUNTS
Consumer complaint received 2019-06-03
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 (CA)

*XX/XX/2019 someone fraudulently tried to open an account with ( XXXX XXXX/ XXXX XXXX ) *XX/XX/2019 someone fraudulently tried to open account ( capital one bank USA ) *XX/XX/2019  someone fraudulently tried to open an account ( XXXX XXXX, XXXX XXXX ) *XX/XX/2019 someone fraudulently tried to open an account ( XXXX XXXX, XXXXr ) XXXXXX/XX/2019 someone fraudulently tried to open an account ( XXXX XXXX, XXXX )
Consumer complaint received 2018-06-29
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CORELOGIC INC (CA)

I have been receiving several mail items to my home regarding a seemingly fishy company called XXXX XXXX XXXX XXXX XXXX, which they claim is linked to the legitimate company ( CoreLogic ) claiming that they paid my property taxes for me, and are seeking reimbursement. 

I have repeatedly ignore these requests as they sound extremely scammy and because I've paid my property taxes directly with the county.
Consumer complaint received 2019-06-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Braviant Holdings, LLC (WI)

I borrowered {$2500.00} on XX/XX/18. After 11 payments of {$320.00} at a rate of 276 %, the payoff effective today is {$2400.00}. The terms of the truth in lending state it is a simple interest loan compounded daily. The term of the loan is for 30 payments. 

My concern is the company is not simple interest and is front loading all interest contrary to the truth in lending. My payoff by my calculation should be approximately {$1900.00}
Consumer complaint received 2018-06-29
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc. (GA)

My phone has been ringing off the hook the entire month of XX/XX/XXXX. I receive phone calls every day, multiple times a day from a company called " Diversified Consultants '' a debt collector, for a debt that I do not owe. 

I have repeatedly blocked the numbers calling me, and the very next day after blocking the numbers calling me, I will receive calls from a new number, but from the same company seeking a debt that I do not owe!!! Every single time they call me phone, they never ever leave a voice mail, but they continually call me day after day after day with new phone numbers. 

As of XX/XX/XXXX at XXXX XXXX E.S.T., I have been called a total of 21 times, by 13 different phone numbers, all of which belong to Diversified Consultants. 21 times in 29 days ... That is beyond excessive and absurd, and to make matters worse, I DONT OWE THEM ANY MONEY, NOR IS THIS A DEBT THAT BELONGS TO ME! This is a SCAM! 

I am contacting my attorney and filing a lawsuit for harassment, and as soon as this is published, and they are notified via XXXX XXXX XXXX XXXX, they will be also receiving a certified letter in the mail, notifying them that they are being served. I will have my peace of mind! These scammers need to be taught a lesson. 

These are the phone numbers that they use to call, and how many times they've called using these numbers so far for the month of XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They have called me on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX There is still one more day XX/XX/XXXX, and I can bet they will call me at least two more time before the month is over. 

This company must be stopped and will pay dearly in court due to their gross harassment.
Consumer complaint received 2017-03-01
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I have contacted this company that this debt is not mine. I have said this was not opened by me and should not be reported on my credit report. Portfolio Recovery continues reporting this debt as owed on my credit report. I have asked them to remove it ASAP but they have failed to do so.
Consumer complaint received 2023-01-31
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: V and H Portfolio (GA)

MY COMPLAINT IS ABOUT XXXXANCE AND HUFFMAN I DID A COMPALIN ALREADY BUT THE CFPB FAILED TO PROTECT ME BECAUSE VANCE AND HUFFMAN VIOLATE MY RIGHT AND DAMAGED MY CONSUMER REPORT
Consumer complaint received 2019-06-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: USCB Corporation (TX)

XX/XX/2019 ... I sent a dispute to the credit bureaus requesting verification of this account, also I asked for debt to remove off my credit due to no supporting documents that this my account. Also this company can not provide any documentation with my signature to verify this was my account
Consumer complaint received 2017-04-18
Product: Bank account or service — Other bank product/service
Issue: Problems caused by my funds being low — 
Company: CITIBANK, N.A. (NY)

Approximately 1 year ag o Citibank sold  me on taking their   XXXX  progr am which apparently gave me some extra services with a financiaal institution I 've been doing business with for 40 years. The requirement for keeping    XXXX   status was to maintain accounts with  a   XXXX   amount of {$50.00}, which I have done. Today I received a message fro m Citi that the cumlative amount now required has changed to {$20000.00}. It 's not so much that I trasure their gold program, It 's more that I think I 've been taken by very bad custome practices by Citi
Consumer complaint received 2020-08-22
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. (VA)

I recently received a copy of my credit report, The credit report showed a credit inquiry by your company that i do not recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my credit file unless i have authorized it. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

I am making this final goodwill gesture to allow you to correct your erroneous reporting, and i am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, No. XXXX ( XXXX ), you may be liable for your willful non-compliance.
Consumer complaint received 2017-08-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BB&T CORPORATION (NC)

On the XXXX day of XXXX 2017 at approximately XXXX I arrived home and spoke with my wife. My wife stated my XXXX year old daughter whom has XXXX had stayed up after she fell asleep and purchased over 60.00 dollars on XXXX merchandise. I notified XXXX and without question was refunded. I notified XXXX whom the charges went through and was notified the transactions were already sent to the bank as there were not enough funds to cover the cost. I called the Branch Banking and Trust. I notified them there were to be 10 charges on the account which would total over 50.00. I spoke with multiple individuals and was advised to contact fraud. I contacted fraud and was told it was n't fraud. I spoke with the representatives again and was told to wait till the charges hit and they would be removed. I then sent money into that account which showed in the account today. 8 of 10 charges hit the same date the funds showed available in the account. I was assessed XXXX in overdraft fees. I returned the call to BB & T and was advised they could n't remove the fees and sent me to the fraud department. Fraud started a case number and told me to go to the bank and sign the documents. I went to BB & T and signed all the documents and returned the call to BB & T. I was advised a second department receives the faxes and it would n't be resolved today. I notified the representative of the other 2 charges that has n't posted and I needed the fees reversed to cover the additional charges that were going to post. The representative with fraud stated they could n't do anything at this time. I called customer service once again and spoke with them. I was rude this time and was told they would get a manager for me. The representative returned to the call and stated the manager said he could n't do anything. I was not able to speak with the manager at that time only accept the message the manager told the representative. This is not the first time I have received an NSF fee or multiples on the same date money entered the account. I have always be advised the charges are to be deducted but the money is still pending even though I have the right to use the money that is pending. Its funny that when the money is in the account I can use it for purchases but I 'm not allowed to use it for transactions that hit the bank. This is a complete unethical practice.
Consumer complaint received 2017-04-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (MD)

My mortgage company , Seterus , Inc  XXXX , consistently charge an amount that is n't consistent with my records, claims that I owe additional charges in excess of {$2000.00} and refuses to provide any itemization as to the additional charges. The monthly statements consistently reflect an amount in excess of what I feel is owed. The principal amount is questioned. I wrote the corporate office to advise and request the same and have not had the matter addressed to my satisfaction.
Consumer complaint received 2020-07-21
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: TD BANK US HOLDING COMPANY (MA)

I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2020-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX communicates with Experian of closed credit card account, payment never received, in fact, FICO score decreases XXXX to XXXX. 
I make complaint with CFPB plus CFPB informed my complaint will be forwarded to a bank. 

XXXX XXXX XXXX has corrected the mistakes, however, the FiCO score is increased to XXXX. 
My FICO score decreases per XXXX XXXX XXXX  error, in fact, my FICO score has not increased and should have not decreased.. 

XXXX XXXX XXXX  has corrected the mistakes reported to Experian, therefore, my FICO score needs to be at the appropriate score or increase to XXXX the emotional credit worthiness damage committed and Small Business Administration made a hard inquiry plus obtained a credit report with the negative credit worthiness of closed account, payment never received and made me look like a risky borrower. 

Experian need to increase my FICO score. 


I am extremely upset l, in fact, victim of identity theft. 

Please inform Experian to increase my FICO score to the appropriate score.
Consumer complaint received 2017-06-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: DISCOVER BANK (PA)

I have received numerous phone calls f rom Discover Student Loans. T hey keep calling from the following number  XXXX . When I do answer the call no one speaks and they just hang up. I had to block this number due to the repeated calls.