davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

To Whom this may concern, While reviewing my credit report on XX/XX/2020, I noticed an incorrect and fraudulent collection account from PORTFOLIO RECOVERY. I have no knowledge of this account nor have I done any business with this. I do not have a signed and dated agreement from PORTFOLIO RECOVERY. I am requesting you to provide validation for this debt. In addition, under the FDCPA, you are also to cease and desist from contacting me regarding this matter unless it is by the United States Mail. Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), stating your claim is disputed and validation is requested. This Agency has called my phone numerous times harassing me for an account that I do not owe. I advised supervisor I do not agree to debt and will be filing complaint due to harassment and the lack of professionalism. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 

At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XX/XX/XXXX, XX/XX/XXXX or XX/XX/XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the FCRA Violation of the FDCPA Defamation of Character
Consumer complaint received 2021-02-04
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)

Equifax credit bureau has been reporting 1 fraud account and 1 inaccurate account both derogatory on my credit report. I have sent numerous documents through the mail and online through fax and on the phone for hours. I have been told to bad figure it out myself as they report false inaccurate information that has had my score crazy low for years.. I have over 20 hard inquires all of 17 that are unknown by me. I asked several times for them to validate properly and explain now when i call in i get hung up on and do not get a call back. This information that is not correct has impaired my ability to get a car, loans, credit which is needed in everyday life by a single father of XXXX kids. I was part of the data breach as well and i truly believe this is my whole issue. This company could care less about the consumer that is for sure. I pay them to monitor my report as well which obviously needs to end now. XXXX  and XXXX found all the same accounts and hard inquires to be identity theft and fraud and has taken serious action on removing all and my scores are on the rise. Equifax needs to be audited on there practices sertiously p [ lease help
Consumer complaint received 2015-12-20
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL (ID)

Synchrony bank account number XXXX. I bought a washer and dryer from lowes in XX/XX/XXXX, interest free. I received a few statements but in XX/XX/XXXX the statements stopped coming. I went to Lowes to check on my account and they did not have any record of the account. I thought the account was paid in full. 
I recently filed a complaint with the CFPB on another synchrony account, and then I received a notice from XXXX XXXX XXXX. on this account for XXXX. The original line of credit was for XXXX.
Consumer complaint received 2021-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

On XX/XX/2020, I sent a letter to the credit bureaus because they had ignored my previous dispute in XXXX. I understand that COVID has caused a delay but the credit bureaus are still working so it really isn't an excuse. I havent gotten any communication that a dispute has started or any results. I know for sure that if a credit bureau must conduct an investigation in 30 days and if they do not they have to automatically delete the accounts that were disputed. This is the law and it must be followed. So with that being said the following accounts need to be deleted from my credit reports immediately : XXXX XXXX XXXX XXXX The credit bureaus have been ignoring me on purpose and this isn't fair. I am prepared to go to litigation because this entire process has caused a lot of stress in my life. I was also a victim of the Equifax data breach so I don't know who could have my information. 
Delete these accounts.
Consumer complaint received 2016-08-28
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (IL)

The credit reporting agency did not forward proper investigations about this medical debt. 
Remove this from my credit report immediately. This report requires provisions from HEPA laws and Fair Credit Reporting. Experian refused to validate and verify a debt that is listed on my credit report according to law under the Federal Servicer Act, which is a part of the Real Estate Settlement Procedures Act, 12 U.S.C. 2605 ( e ), Fair Credit Reporting Act 15 U.S.C. 168, and Foreign Corrupt Practices Act. This office refused to provide competent evidence that I had any legal obligation to pay the listed company above and had the authorization under 12 U.S.C. 2605 ( e ), 15 USC 1692 ( e ), and 15 USC 1692 ( f ) in this alleged matter. 
Please provide me with the information you received from this company. I have a right to know who, what, and how a company is reporting on my credit. Is this company in violation of HEPA laws.
Consumer complaint received 2016-03-23
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC (GA)

I built my house in 1992 and refinanced a 6.78 to a 4.3 with Quicken Loans I did not take any money out just wanted to get a better interest rate. I explained that I had 10 years on my current note and did not want to do another new loan and I had a conventional. When I received my paperwork after the closing they had transferred my conventional into an FHA and I was charged with PMI ..I never had to pay PMI on my first loan and they did not appraise my home for the proper size and rooms. I was told they DO NOT consider basements as part of the home but my basement is open and has a full bath, bedroom TV room and weight room. Quicken Loans told me I would have to wait until the 5 years of PMI was paid before I could do anything and now it is complete but I am still locked into a new 30 year loan which means I will be paying on my home for 60 years. This is atrocious in so many ways and I was told by the my loan director director that I could appeal after the 1st year but he quit and I could not get anyone to talk to me about what they had done I should have been notified before closing that my loan was being taken from the conventional to the FHA they just transferred without my knowledge. I was told also that I would be refunded on my credit card the {$500.00} that I had to put down but that never happened either. I am filing this complaint because I was deceived and now I am stuck in another 30 year loan on a home I built in 1992. My house is XXXX square feet and they only appraised XXXX square ft. and that is why they charged me with the PMI I have never been late on my house note and they had no right to transfer my loan and charge me with 5 years of PMI on a house that was 20 years old. Quicken Loans should be liable for what they have done on my loan and I am asking for your help in having my note re-written as I would have had only 5 more years to pay on my home. Regards XXXX
Consumer complaint received 2020-07-12
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2020, I sent a letter to Transunion to verify 5 of my accounts. 
I requested original documentation ( A contract with my signature on it. ) I received a letter by Transunion on XX/XX/2020, 37 days later, stating once again that my accounts have been " verified ''. this is my 5th letter that i have sent the credit bureau, all of my letters I send via certified mail. I have dates and copy 's off all the letters that i have sent them. this is the second time they have replied to me past the 30 days mark, with none of the documentation that I have asked of them.
Consumer complaint received 2017-10-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CO)

I have contacted Portfolio Recovery Associates LLC about a debt from XXXX XXXXXXXX XXXX about a merchant debt that they say I owe to XXXX. It appears that this company Portfolio has purchased the debt but I have entered into no legal binding contractual agreement with them and they are harassing for {$XXXX} and I DO NOT OWE Them this. 
I have asked them several times to supply me the written SIGNED contractual agreement with them and XXXX showing my signature on any agreement and they WILL not or CAN NOT supply me with that. They simply send me copies of bills or statements and this does not constitute any kind of validation of this debt being mine. Statements and Bills do not show proof of ownership. They recently sent me a letter stating that I do not have a right to challenge their stance and that any written letter to them will be ignored and considered answered already. The burden of proof is on them to show that I am the legal owner of this account that they purchased. Unfortunately they are a 3rd part collection agency that purchase the debt from XXXX but that does not legally give them the right to try to collect from me as I HAVE NO CONTRACT with them. I am DEMANDING proof of ownership, and the only way to show that is to show my signature on an agreement between me and XXXX. SIMPLY sending me copies of bills or statements does not prove your position that the account is mine and that I owe this debt.
Consumer complaint received 2018-05-29
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Premier Student Loan Center (CA)

XXXX is the company and i did get accepted for a lower -payment option setup. But, the problem I have is that going through a Student Loan Foregiveness program from this website - XXXX XXXX   XXXX - this was determined from this information about XXXX being a bad group to have do loans and repayment options correctly. This Relief Program is from a company called Premier Student Loan Center and stated to me about my loans getting to a point from where the lower payment option i agreed upon would be paying pretty close to double the amount to Navient when i'm all paid off. They gave me numbers that seemed reasonable, but i'm unsure if they aren't a scam or if they are a legit company but i thought i'd bring it up to you guys since they are using information that seems to be the same kind of information that you guys provide for people going through these hardships of loan repayment situations. They also stated that they would need {$20.00} fee annually for this process of agreement plus 5 months of {$230.00} for getting this allowance approved. Lastly the amount determined for my repayment plan was {$100.00} for 235 months - I'm just more confused if what they told me was something that is even allowed for a company to deal with from XXXX and i thought XXXX was worth trusting, but i'm unsure now after being told from this Forgiveness Program. I'd just like to know what's my best option and who i need to trust.
Consumer complaint received 2022-09-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (FL)

Truist Bank charged a duplicative NSF fee based on charges that were already included in the prior balance. On XX/XX/XXXX, my grocery account balance was {$210.00}. On XX/XX/XXXX, the balance was - {$2.00}, which included a " pending '' XXXX charge ( {$33.00} ) and two actual debited charges from XXXX ( {$52.00} ) and XXXX ( {$120.00} ). My account was charged a {$36.00} NSF, understandably so. On XX/XX/XXXX, I deposited {$100.00} in the account, and the XXXX charge was then actually debited ( {$33.00} ). However, Truist charged an additional {$36.00} for the XXXX charge ( {$33.00} ). When I called the bank to inquire about being charged twice for a single debit, I was advised that I was charged once for XXXX and once XXXX. When I asked how is that possible when the pending charge from XXXX was included in the balance that was previously charged the NSF fee? I was told that it didn't matter that the pending XXXX charge was already included in the balance. Once the charge is actualized, I will still be charged. My complaint is that, if this pending charge is what caused my account balance to be too low for the XXXX and XXXX charges, then why would I be charged again when the charge actualizes? It would make sense to me if the pending charge was not included in the prior balance, but because it was included, Truist can get around charging me twice by saying that the first NSF fee was tied to the XXXX charge rather than the XXXX charge b/c it was only pending at the time. However, were it not for this pending charge being included in the ACTUAL balance, this never would have occurred. Truist refused to refund the 2nd NSF fee, which is why I am filing this complaint. I believe that this is an unfair practice for consumers, and I can't be the only person this has happened to. If a pending charge is included in the prior balance which incurs an NSF fee, then once the charge actualizes, they shouldn't be able to charge consumers a second time.
Consumer complaint received 2022-11-06
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: Experian Information Solutions Inc. (NC)

in accordance with the Fair Credit Reporting act XXXX XXXX Account. # XXXX XXXX XXXX Account. # XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # 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
Consumer complaint received 2024-03-12
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE (TX)

I had a {$31000.00} credit limit with Barclays for a long time, I was traveling and without warning or a heads up, they lowered my credit limit to closely match with the existing balance, essentially reducing my availability from over {$12000.00} to less than {$200.00}. I was fortunate to have carried another credit card as well with me on the trip and thus was not severely impacted by this action. I called and escalated with them but they provided no resolutions and stated that they have the right to lower or close the card out as they see fit as per the agreement. The problem is the common courtesy and professionalism which they displayed none during process. While not required, credit card companies should inform their customer if adversed actions will be taken against them as they may be in the middle of a trip or an emergency that they need to be able to plan ahead for contingencies.
Consumer complaint received 2019-10-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect (FL)

I am making this complaint in an effort to remove inaccurate information from my credit report. The following information you have placed on my file has seriously affected my credit profile. Please be reminded that it is important that credit maintain accurate information per the Fair Credit Reporting Act. I do not have a contract with this company. I am not responsible for this debt. please validate the debt and provide my signature in which I signed stating obligation to pay said debt.
Consumer complaint received 2017-12-26
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: BlueChip Financial (GA)

I borrowed XXXX which cost me three times as much. Didnt really realized made 5 payments at XXXX still owe them. Cant pay because trying to get my social security I am XXXX years old and live with my mother. Not working and they are harassing my XXXX year mother 4 or 5 times a Day.
Consumer complaint received 2016-11-14
Product: Consumer Loan — Title loan
Issue: Charged fees or interest I didn't expect — 
Company: BTH Management (VA)

I went to check my credit report and notice that Plaza services has put something on my report. I do not know what this is. I have not receive anything from this company saying that I owe anything. They should have sent me a letter letting me know who the creditor is so that I could have taken actions before it went on my report. They gave me no notice to get this resolved.
Consumer complaint received 2021-02-03
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SELECT PORTFOLIO SERVICING, INC. (PA)

REQUESTED PROOF OF VALIDATION OF ACCOUNT, REQUESTED VERFICATION OF DEBT LETTER, REUESTED PROOF OF ASSIGNMENT OF ACCOUNT, REQUESTED BREAK DOWN OF ALL FEES OWED, REQUEST NOTICE IN WRITING ABOUT REFUND FOR {$24000.00} DUE TO ME FOR OVERPAYMENT, REQUESTED FOR ACCOUNT TO BE DELETED UNTIL AMOUNT DUE IF VALIDATED PER THE FCRA AND FCDPA BUT COMPANY IGNORED MY REQUEST
Consumer complaint received 2019-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TCF NATIONAL BANK (PA)

As of XX/XX/2019 the account in question is reported as a derogatory account. It is also reported as a paid Charge off account. When in fact this account has been paid on time from my bank account directly to the lender for over 2 years. This activity and history are shown in the history of this account. I have a copy of the history of this account and it can be shown that the account was not discharged or dismissed. This account has not been paid from a bankruptcy plan and should not be in that status.
Consumer complaint received 2017-12-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

criminal stole debit card and pin #. took out around 4 to 5k from account. 
XXXX XXXX XXXX says we took all the money our selves, and there was no criminal taking money out of our account. 
The bank never contacted us of unusual charges on debit card. 

They are protecting their own money, and XXXX us. 

we have all proof of the debit card theft.
Consumer complaint received 2017-08-09
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (CA)

I placed an order via Paypay and I never received the order. This order was back in XXXX XXXX 2017. I made a complaint with paypal and they did not help me with my situation. The individual who took money from me never gave me a refund.
Consumer complaint received 2017-10-03
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NY)

XXXX XXXX claims I am behind on a payment, specifically for XXXX XXXX, when clearly I sent XXXX XXXX of XXXX XXXX, images of each and every payment I have made since the inception of my lease in XXXX XXXX through and including XXXX XXXX. I have paid each month well in advance of the due date. I have also emailed XXXX XXXX images of these checks and electronic payments, all of which have cleared, yet she and XXXX are adamant that I am behind in a month 's payment, and proceeded to hit with penalty fees. I can submit this supporting documents, which my banking representative at XXXX XXXX, XXXX has provided me with. In fact, that representative at XXXX, spent well over XXXX hour on XXXX/XXXX/XXXX on the line, holding for over XXXX minutes, to be hung up by another representative, before ultimately being connected to a XXXX, XXXX XXXX XXXX, who requested the banking images and scans of e-payments. I submitted these to her on XXXX/XXXX/XXXX, yet never heard from her since.
Consumer complaint received 2024-03-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC (IN)

On XX/XX/XXXX of 2023, Roundpoint Mortgage added insurance on to my mortgage without my knowledge. In XXXX my payment was changed to reflect the fact that the cost of insurance had been added to my escrow account. I noticed the change in payment and contacted Roundpoint. I indicated to the customer service representative that I carried my own insurance and I pay my policy in full near the beginning of every year. She said that the issue would be corrected. The insurance raised my mortgage payment by nearly {$800.00} a month. I have made each payment and this month will be the XXXX  month that this issue has not been corrected. I have provided copies of my insurance policies from XXXX XXXX XXXX multiple times at this point and each policy indicates that it was paid in full at the beginning of the policy period and that I have carried insurance full the full duration that Roundpoint has been servicing the loan. I highlight that because there is no possibility that my insurance was cancelled for any reason during that period. Each month they say it's going to be handled and yet there is nothing that has been done. Even as I'm on the phone with the company at this very moment the representative is telling me the same thing that I have been told for approximately the last XXXX  months.
Consumer complaint received 2022-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: JPMORGAN CHASE & CO. (PA)

I was added as an authorized user on a credit card, without being made aware. With that being said this credit card is grossly over used and has a very high balance. The card companies name is JPMCB Card Services, with this credit card and its high balance, my credit score is being affected negatively.