davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

It has come to my attention that PORTFOLIO RECOVERY ASSOCIATES, a debt collection company is reporting tradelines on my credit reports that are inaccurate. The effects of the alleged accounts are damaging my reputation while they also violate the FCRA and FDCPA. I was not given the opportunity to dispute the alleged debts, nor did I receive any documents in the mail form the collection company. I, XXXX XXXX, am aware that PORTFOLIO RECOVERY ASSOCIATES LLC are " Debt Buyers ''. They are notorious for abusive behavior towards consumers judging by their track records of being sued by debt collectors and the stipulations and consent orders that were brought against them by the CONSUMER FINANCIAL PROTECTION BUREAU. There are currently traces of violations regarding the account information PORTFOLIO RECOVERY LLC has furnished on my consumer reports. I am sure that PORTFOLIO RECOVERY ASSOCIATES LLC is aware that even the smallest violation of the FDCPA and FCRA is considered abusive, deceptive, harassing, and damaging to my reputation. This in turn makes them liable to both me the CONSUMER and regulatory authorities such as the FTC and CFPB under the FDCPA per 15 USC 1692K. I, XXXX XXXX, have discovered the following violations and inaccuracies upon reviewing my consumer reports : Inaccurate account balance amount ( The amount you are trying to collect is {$640.00} while XXXX XXXX claims I owe {$640.00}. ), excessive collection " C '' notations ( misleading and does not align with fairness and accuracy of credit reporting. This is damaging to my character and reputation ), No Data in the payment history " ND '' ( Signifies incomplete account information. ) ( Please do not blame this on the CRAs, you are a furnisher of information so you will be held accountable. ), XXXX of the same accounts being reported by both XXXX XXXX who is currently under fire and PORTFOLIO RECOVERY ASSOCIATES LLC. ( XXXX sold those accounts but both companies are reporting which is in fact misleading and fraudulent. This a potential criminal offense. ) These findings violate the following statutes : FCRA 15 USC 1681s-2 ( a ) ( 1 ) ( a ), 15 USC 1681 ( a ), FDCPA 15 USC 1692d ( 1 ), 15 USC 1692d ( 3 ), 15 USC 1692e ( 2 ) ( a ), 15 USC 1692e ( 10 ), 18 USC 1001, ( Privacy Act of 1974 ) 5 USC 552a , FDCPA 15 USC 1692g , ( Debt Collection Rule ) 12 CFR 1006.34C. Based on these codes and supporting documents that will be added to this complaint, my rights have violated. PORTFOLIO RECOVERY ASSOCIATES LLC is in violation of my privacy rights. There is no original contractual agreement bearing my signature proving that I owe PORTFOLIO RECOVERY ASSOCIATES LLC legally. They do not have my legal consent.
Consumer complaint received 2024-03-09
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc. (CA)

I called Ultas commenity bank service on early XXXX of 2023. I called because I was a day late on my payment and did not want them to flag my account or my credit score. I had already paid the account completely by then. Customer representative was in polite and only told me that it will not be flagged as a delinquent account. I asked them why would it be flagged as a delinquent account when the account is paid in hole? He replied there is nothing we can do so I told him to please close my account and I dont want any more services or credit behind this company. Within a week My account was closed. Then starting this year, not only they reopen my account under nobodys contract, consents or negotiations, and charged me some fees they keep piling up till this day. It has also hurt my credit score. Please close this account.
Consumer complaint received 2024-03-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PENTAGON FEDERAL CREDIT UNION (VA)

This complaint involves Pentagon Federal Credit Union. Beginning in XX/XX/year>, we began noticing our checking account balance would always be showing far lower than expected even though there had been no changes to deposits or monthly bills, but we couldn't pinpoint any obvious issues. We did have a large number of recurring small payments on purchases financed through services such as XXXX, XXXX, and XXXX and some appeared on our statement to be possibly duplicate charges, but we couldn't tell for sure. In XX/XX/year>, we noticed a duplicate withdrawal for our water bill paid to XXXX XXXX. The water utility said they only did a single debit from our account that we had approved. We went to the XXXX branch of Pentagon Federal Credit Union to see what was going on. The bank manager did concede there had been an attempt to debit our account XXXX  for the water bill but that XXXX charge had been reversed. We asked about the other abnormalities in our account and the bank manager accused us of not properly managing our finances. We subsequently changed banks and since then have not had any problems with our balance being unexpectedly low. We now suspect that a Pentagon Federal Credit Union employee was taking money from our account by disguising the debits to be in the same amount as other authorized debits but then diverting the money elsewhere, and this was going on from XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I have requested the following items from Portfolio Recovery 4 times in the past 6 months and all I have received is the billing statements which is not what I requested. 
XXXX. The Purchase Agreement that Portfolio Recovery has with the alleged original creditors. 
XXXX. The full contract agreement I allegedly signed with my full wet verifiable physical signature from said original creditors. 
XXXX. Documentation demonstrating how Portfolio Recovery acquired the debts, how much it was purchased for in a dollar amount by Portfolio Recovery, and how they accessed my personal information including emailing me when I never gave anyone my private email address. 
XXXX. The agreement and contract with Portfolio Recovery with my full wet verifiable physical signature stating that I owed a debt to their company and allegedly agreed to pay it. 
XXXX. The business license for Portfolio Recovery to collect on alleged debts in the state of Texas. 
XXXX. Copy of the chain of custody to collect the alleged debt from original creditors to Portfolio Recovery. 
None of these things were sent and they continued to repeatedly call me and they clearly can not verify any of these alleged debts and I am requesting the alleged debts, along with my personal information, be removed from their systems and erased from my credit report. 
All of these alleged debts have been reported as closed and charged-off accounts and according to XXXX XXXX XXXX XXXX XXXX the FDCPA they are not to be put on my credit reports and this company has failed repeatedly to validate the alleged debts as well. I read them all through the CFPB Database of Agreements and not one of the credit agreements states anything about the alleged debts being sold to a third party to be collected in my name and making me responsible for them. Portfolio Recovery pays XXXX cents on the dollar for these debts as well and demands consumers pay the full amount that was already charged off by the original creditors and reported on their taxes for tax breaks. 
I appreciate your help in this matter. Thank You.
Consumer complaint received 2021-06-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc. (DE)

I applied for two mortgages with Better Mortgage Corporation. When I received the privacy policy, I notified them that I would like to opt-out of selling my information for marketing purposes and any other ways they would share my information. After closing on both loans, I started receiving marketing material from different companies who claimed they got my information from Better Mortgage Corporation. As a result, it appears they started selling my information after I opted out of allowing them to sell my personal information.
Consumer complaint received 2020-06-01
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: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$15000.00}, {$12000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX with ACCTXX/XX/XXXX XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

2. XXXX XX/XX/XXXX with ACCT XX/XX/XXXX XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account.
Consumer complaint received 2024-03-09
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sentry Credit, Inc. (GA)

In XXXX i seen sentry credit on my account i tried calling them no answer so i mailed them. Contacted XXXX and tried disputing it but sentry credit said account was accurate. Tried mailing and contacting sentry credit since XXXX and the same w XXXX.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: RFNA, LP (TX)

Republic Finance is in violation of 15 USC 6802- I have asked the creditor in a letter to Opt-Out of this information that is on my credit report and that it be removed from my credit file immediately. If this was not done, I will file a small claims legal action against this creditor, should this matter not be resolved by XX/XX/XXXX. 

They are in further violation of 15 USC 1681 & 15 USC 6802-6805.

I am exercising my right to opt OPT-OUT having this reported on my credit file and also dispute that it even exists, as the amount was charged off.

This creditor is now in violation of my consumer rights according to 15USC 6802 and is also in violation of the Privacy act of 1974. 

The amounts are incorrect on all 3 bureaus and was charged off.
Consumer complaint received 2024-03-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IN)

I don't recall having a contractual relationship with this collection company PORTFOLIO RECOVERY ASSOCIATES. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2021-04-28
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. (NC)

I recently sent a dispute letter to XXXX XXXX, and Experian on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond. earlier to comply with these Federal Regulations by credit reporting agencies are investigated by the Federal Trade Commission.
Consumer complaint received 2024-03-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Selene Holdings LLC (NE)

I'm paid up through XXXX of 2024 and have never been late on payments they blame there billing depth. And report me to the credit agencies as always being late which is false and they've hurt my credit report! They charge fees that are not in the contract they haven't paid my taxes and insurance through my escrow account and have caused my home owners insurance to be dropped and sent to collections!
Consumer complaint received 2020-05-31
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: United Collection Service, Inc (FL) (PA)

This is regarding 2 collection account that are on my credit report. United WE Collect Inc, original creditor XXXX XXXX for {$60.00} & {$220.00}. I have contacted United WE Collect numerous times, most recently XX/XX/2020 to resolve this debt. The supervisor XXXX refused to send the details of the transactions nor settle the debt.
Consumer complaint received 2024-03-08
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: PNC Bank N.A. (MD)

PNC Bank on XX/XX/XXXX offered us a credit card where if we spent {$1000.00} in 3 months we would receive a reward of {$100.00}. We opened this account ; we were given the reward as a deposit into our checking account on XX/XX/XXXX. PNC did not inform us that they believed the reward was taxable, although PNC now claims it was in the fine print. 

In XX/XX/XXXX, PNC sent me a Form 1099 XXXX  showing interest on my checking account of {$1.00} and premium fulfill of {$100.00} for a total interest of {$100.00}. We complained to the branch staff who escalated the issue to Headquarters. We also sent a certified letter to the Chairman of the Board ( copy of letter attached ). We also complained to the Office of the Controller of the Currency. Based on articles in XXXX XXXX and XXXX XXXX and XXXX XXXX as well as the IRS regulations, we believe this reward is not taxable. 

On XX/XX/XXXX, PNC 's Headquarters staff informed us that PNC believes their position is correct and that they would send us a letter to that effect. 

We believe the {$100.00} reward received is not taxable interest. According to the XXXX XXXX ( XXXX XXXX  : welcome bonuses received for opening a credit card are not taxable since customers generally have to spend a certain amount of money or make a certain number of transactions to receive the bonus.Other websites contain the same advice. For example, XXXX XXXX and XXXX XXXX  says : As long as you have to spend money to earn the reward, your points or money are not taxable. The PNC offer clearly falls within these requirements and should not be taxed.
Consumer complaint received 2024-03-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc. (TX)

On XX/XX/2024, I made a principal-only payment of {$80000.00}, as well as my regular XX/XX/XXXX payment of XXXX to my original loan servicer, XXXX XXXX XXXX  XXXX These payments reduced my unpaid principal balance from XXXX to XXXX. My loan was subsequently transferred to Nationstar/MrCooper. Nationstar/MrCooper is stating that my unpaid principal balance is {$190000.00}, and is charging me interest on this inaccurate balance. I have a payoff statement, a payment history statement, as well as personal correspondence from XXXX XXXX XXXX  XXXX XXXX office proving my unpaid principal balance of XXXX prior to the transfer. 

Nationstar/MrCooper loan # XXXX former loan number with XXXX XXXX XXXX  XXXX
Consumer complaint received 2024-03-09
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (AK)

There were illegal transactions processed on my business account that the fraud dept was already aware of and fees were also attached to these debits on XX/XX/XXXX. There is an open claim and I have a new card but I can not use it until the monies taken out are refunded to my account. 
I am recovering from a XXXX and have regular bills along with medical bills to pay. I am not able to go to the bank to get money everyday. The money to my account needs to be refunded ASAP!
Consumer complaint received 2020-05-31
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: Lendmark Financial Services (NC)

I obtained a loan ( Loan # XXXX ) from Lendmark Financial Services using my XXXX XXXX XXXX XXXX vehicle as collateral on XX/XX/XXXX. A few years later, I was made aware by Lendmark that they have a Buy-Back program where I could purchase my vehicle title back from them ; all I had to do was make an offer by sending an email to : XXXX. Per their request I took the time to submit pictures, odometer readings, and buy-back offers. Once I submitted my first offer, I never heard back from Lendmark, so I decided to follow-up. When I called them, they told me that they don't respond to offers ( which is odd because they don't provide clear instructions on how the Buy-Back program works ) ; they said that I had to call them to find out if it was approved/declined. My first offer was denied. A few months later I submitted another offer. I called 1 week after submitting the offer and was told that it was denied once again. I then waited a few months to save more money to place an offer, I called one week later and was told that it was denied for the third time. Please note that Lendmark doesn't counteroffer, so I am left in the dark as to what they are willing to accept. Once I send the email, I have to wait a few days, call them, and get pushback - it's a game. They don't provide an amount that they are willing to negotiate. A couple of years ago I went through some medical issues and fell behind on my payments, but I am caught up and pay them every month. They don't send monthly statements, nor do they have a website where I can review my monthly balances. They leave you in the dark about your loan balance, payment confirmations, and the status of your Buy-Back loan offer. It's a very backwards system that doesn't benefit the customer. They take your payment, yet have no interest in communicating with their customers. Whenever I have been able to reach someone on the phone, they've advised me to continue making Buy-Back offers, but the person who decides whether they'll accept it or not, always rejects it and doesn't communicate with me on a Buy-Back amount that they will accept. I believe that their business practices are questionable and need to improve. Their customers should be their # 1 priority and should receive the courtesy of communication, whether it be via phone or email. Not letting the customer know what they are willing or not willing to accept as a Buy-Back offer, doesn't help me. Asking the customer to submit a Buy-Back offer via email, but not responding to the email, doesn't help me either. I've complied with their requirements, sent them pictures of the vehicle, odometer readings, and my buy-back offers, yet they continue to decline my offers. I would like to know what it will take for them to accept my offers. My original loan amount was {$6300.00}, and I have paid them over {$7200.00} between interest and principal. Why offer a Buy-Back program that they don't intend to honor? It makes no sense.
Consumer complaint received 2024-03-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

Received several unauthorized bank transactions from USAA Bank ( see attached ) from XXXX. I do not even know anyone in the military nor have I even heard of this bank so the transactions were not initiated by me. Essentially $ XXXX was stolen my life savings and I can no longer pay my mortgage. 
In investigating this bank online, I found other victims of these unauthorized bank transactions & stolen money. 
A claim is submitted to my bank & they are investigating on their end.
Consumer complaint received 2024-03-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (NM)

I am unable to recover my money from Coinbase. I can not log in due to a change in address and phone number, which should be simple to resolve. The only assistance offered is an automated chat, which can not resolve my issue. Their automated phone service does not work, their support email has been XXXX. There is no way for me to contact support. After reviewing forums online, there are many like me having similar issues, with much more money they can no longer access. Stay away from Coinbase.