davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ERC (LA)

This debt buyer PARKED a collection on my credit reports without my knowledge and in doing so, they are in violation the FDCPA 809 ( a ) Collection Practice of placing a collection account on my credit reports without sending a dunning letter to me. XXXX XXXX XXXX also failed to follow FDCPA 809 ( a ) by not sending a letter giving the consumer time to dispute or validate the alleged debt within the allowed 30-day time frame that is allowed by law. 

Upon reading my credit reports a collection for this alleged debt has already been added, and removed by another debt buyer ( Enhanced Recovery ) and by them! The collections were removed by XXXX on XXXX XXXX, XXXX and was removed by ( ERC ) on XXXX XXXX, XXXX, reinserted and then removed again on XXXX XXXX XXXX. 

I request that they verify the following information. 
XXXX. Registration/License Number that allows them to collect in the state of Louisiana! 
1. Full original Account Number 2. Date original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of the first delinquency 6. Dates and times of any phone calls made and to what number in attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law.
Consumer complaint received 2016-10-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (FL)

For the last 12 months XXXX has been selling this account to various collection agencies. XXXX of them to be exact. I do not owe XXXX anything. I had service with them and I paid my bill then closed my account. I then had service with another company. XXXX came and picked up the equipment and gave me a receipt. First XXXX claimed that I owed the amount for the equipment then I produced the the receipt. For the past 12 months they claim its for service. I produced the bill for the new cable company with the installation date on it. With each collection agency they change the XXXX account number but the amount is the same {$1400.00}. The last agency added XXXX cents. It has been added to my credit report at least 5-7 times. This harassment has to stop. I ended my service with XXXX XX/XX/2014. No early termination fees. No last bill. My balance was {$0.00} before I disconnected my service.
Consumer complaint received 2017-03-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (NH)

In XX/XX/2014 my fiance called XXXX to cancel my service as she was switching me to her XXXX account. I was not aware of this action and working at the time. My service was stopped. I called XXXX and told them i needed my phone restored immediately as i used it for work ( XXXX ) and that i did not authorize the termination. I was informed that would be taken care of as soon as possible. The following day I still did not have service. I needed a phone so I went to XXXX as they claimed to have my number ported to them. I was set up by XXXX. About three days later, XXXX ported my number back to them shutting down my XXXX phone. I went back to XXXX and they apologized saying that XXXX should not have been able to do that. Ported me back once again and my service has been working ever since. My issue is that XXXX charged me TWO early termination fee 's and continued my monthly charges amounting to a bill of {$800.00}. I have argued via phone and spoken with a local XXXX dealer to no avail. It is a bill i strongly believe I do not owe and have not paid. It is on my credit report and effecting my credit. I do not believe this is fair at all.
Consumer complaint received 2015-12-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.C. System, Inc. (MA)

A few years ago XX/XX/XXXX, ( unfortunately I ca n't remember the date ), I ordered XXXX. The service tech came, installed the product. Within a matter of days XXXX XXXX would n't work. At the cost of {$50.00} a tech came and fiddled around with the system got it working and stated that I will never get good reception because of the trees on my property. A couple of days later I called XXXX again because of no reception. Again, at the fee of {$50.00}, the tech stated I would need to have my trees removed to get good reception. I called XXXX XXXX and asked that they come and remove their system from my home. I called my previous carrier who showed up that very day to reinstall my XXXX XXXX. 
XXXX sent me a shipping box to send them back their product. I paid my remaining bill and felt assured they were now a part of my past. Since that time XXXX XXXX has been trying to collect {$410.00} from me. XXXX states that when I requested their service it was " understood '' that I was in a 2 year contract with them! I NEVER agreed to such a contract. They stated because I broke the contract, I owe them this money!!! 
I feel they owe ME money!! I never received the service from them that I paid for. I had it for less than a month and it was never explained to me that I was in a 2 year commitment with them. I recently received a debt collection notice from a collection agency. I called them, stated this information again and they stated they will notify XXXX of my dispute and I should hear back in 60 days. I have had this conversation over and over and over again with XXXX XXXX. From my last conversation with XXXX, I " understood '' they were closing this case and I did n't owe them. I was very surprised to receive a debt collection notice from a collection agency. 
I need your help to get them to STOP trying to collect money I DO NOT OWE THEM.
Consumer complaint received 2015-08-22
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: Paypal Holdings, Inc (MI)

Paypal closed my Paypal account XXXXXXXXXXXX on XXXX/XXXX/15 without any warning or reason. There are more than {$8000.00} in my account. They refused to return the money and said they will grab the fund for 6 months without any reasonable ground. 
That means that I can not access my own all legitimate money for 6 months, which causes enormous financial stress and loss. 
I was given no valid reason when calling the representative.
Consumer complaint received 2017-01-26
Product: Credit card — 
Issue: Transaction issue — 
Company: Paypal Holdings, Inc (MO)

The customer bought an item from me and then did a charge back claiming he did not get the item. Now I am out the item PLUS my fee! He paid through paypal and they sided with him even though he did not send back my merchandise nor did he or XXXX adhere to our return policy! XXXX said he sent back the item but all he sent back was the original invoice copy! This man is running ascam to buy other items, claim he did not receive them, then send back a copy of an invoice and claim a return was made! No one checks inside the envelope which has nothing! I have the original envelope and invoice sent from him to prove this!
Consumer complaint received 2016-11-01
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.C. System, Inc. (NJ)

Received a phone call today from IC System, one of many, apparently XXXX to be exact. Rep asked for XXXX XXXX. Told him that there was no one here by that name and that I have received at least XXXX calls from them and they do n't even have the correct number. His response was " I do n't think so and I have shown that it was only XXXX times logged. 
How can they be allowed to harass when it 's not even the correct number???
Consumer complaint received 2015-05-21
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Paypal Holdings, Inc (FL)

I used to sell my family 's older XXXX on eBay, and insist on using Paypal as a payment method. In XXXX of 2013, I sold XXXX such device to a user in XXXX. I 've successfully sold across the globe with no issues. After almost a month this particular user however, decided to initiate a damaged device claim against me via Paypal. In accordance with Paypal 's rules, I instructed the buyer to return the device, at which time I would refund his amount. The buyer, who turned out to be a scammer, sent a box to an address XXXX zip codes from mine with an incoherent recepient ( XXXX instead of XXXX ). The Post Office would not release the box to me as my neither name nor address was on the ship to address. I contacted Paypal, who explained that they had already released the funds to this scammer ( in violation of their own terms, ) and insisted that I pay the negative balance of {$370.00} in my account. I explained to them their mistake, as I had not received the unit and this was a clear violation of their terms. I spoke to XXXX representatives of the company over XXXX month, at which time they closed the dispute. I was then instructed that I needed to pay the amount ( {$370.00} + approx {$50.00} for shipping ) or I would be sent to collections. Seeing no choice as my credit rating was being held hostage. I complied. I did not know this Bureau existed or I would have immediately opened a claim/case then.
Consumer complaint received 2016-08-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: I.C. System, Inc. (FL)

I got a phone call from XXXX XXXX for a past due amount on my internet bill. I promptly paid them and have a transaction number of # XXXX for the total amount of the payment.
Consumer complaint received 2017-02-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A. (OR)

PNC bank purchased the servicing of my mortgage. They started off by giving me the wrong account number and my payments were held in a suspense account. They knew they had received them but did not correct it until they told me I was past due. At this point they then said it was my obligation to tell them how to apply the payments no that 's why they left them in the suspense account rather than applying them to my account. Now I assume I am on some sort of deadbeat list because they call me at home telling me my current payment is past due on the 3rd of the month. I use bill pay to send my payments automatically on the 1st of each month. It is not past due until the 15th. Needless to say, this is not only annoying but also creates much stress when my wife receives the call. I have XXXX mortgages that I send on the first of the month but only PNC aggressively calls me on the XXXX
Consumer complaint received 2015-08-20
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: PNC Bank N.A. (FL)

I have an account with PNC Bank a/c # in XXXX FL. On XXXX/XXXX/2015 I noted a pending premature charge of {$74.00} from XXXX ( # I had authorized them to charge my account on XXXX ), however they processed it early. I called the bank to advise that the charge should not be paid, as it was early. They said there was nothing they could do until it was actually charged and to call back after the charge was posted. I called XXXX and they admitted the charge was early. ( recorded conversation as they always advise ) Today it posted and I called and on a XXXX, XXXX said they would refund the charge. The bank charged me {$36.00} for an overdraft fee which the refuse to reverse. This was not my error but the bank said their policy was not to refund OD charges ( XXXX, XXXX, XXXX, XXXX ). I spoke with a supervisor ( XXXX ) who said the same thing. XXXX claims that I authorized the premature charge but I clearly stated the policy should begin on the XXXX of XXXX. I asked for printed proof of the early authorization to charge but i was not available ) Both are unclear about who is responsible for refunding the fee. 
I am a senior citizen on Social Security and {$36.00} means a lot especially a week before my next payment. I think the bank should do the refund as I advised them in advance not to post the charge ... they did anyway plus the OD charge and no one wants to make me whole ; refund the {$36.00}. .Whoshould do it ... I think the bank should, I told them not to process the charge in advance and they did anyway I need the {$36.00} I do not need to give away money like that..I did not make an errorThank you
Consumer complaint received 2015-12-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A. (NH)

Called PNC Mortgage today in regards to terminating our PMI and the letter I received for the process. The letter states the investor requires the XXXX to be 75 %. I am at XXXX % LTV. I state that at 80 % I have a right to remove it or wait until loan date to reach XXXX % as scheduled. PNC Rep. stated the investor requirements were XXXX %. I asked how he can supersede the government? Secondly I never signed with PNC ( loan sold to PNC ) and I stated my agreement does not indicate XXXX % LTV on the documents I signed. so forth and so on. I also stated if I wrote a $ XXXX check today cut my loan in half and the new LTV was XXXX % would I have to pay PMI. She stated yes and the investor would need to review and an appraisal would need to be done at {$500.00}. I then stated the only way to eliminate the PMI with PNC would be to sell/refinance the loan to someone else. Long story short, I did not get anywhere with PNC.
Consumer complaint received 2016-08-19
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TCF NATIONAL BANK (PA)

For the past few months, I have been receiving unwanted phone calls from " XXXX '' at Gateway One Lending. If I answer the calls, there is a short pause followed by a recording by " XXXX '' stating that she must contact XXXX XXXX immediately. She leaves the following contact number : XXXX ext XXXX. I am not XXXX XXXX ; nor have I ever know a XXXX XXXX. My wife and I have now returned the call twice. The first time I was told by the representative who answered that she could not find my phone number in her system and that I should answer when the phone rings to tell XXXX ( or whoever is calling ) that I am not XXXX XXXX and request that my number be removed from the files. When I answer the calls, there is not a real person on the line, just a recording by " XXXX ''. Today, my wife returned the call only to be told again the representative answering could not access the files to delete my number. My wife then spoke to a " supervisor '' who could do no better. She did offer to leave a message for her supervisor and promised to have the problem rectified in a day or two. Frankly, I do no believe that will happen so I have decided to report this harassment. My next step will be to contact an attorney in an attempt to sue for the unwanted calls. I am on the " do not call '' registry.
Consumer complaint received 2015-11-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LD Holdings Group, LLC (HI)

Loan Servicer has changed address to send payments to without informing me causing payment processing problems, for which servicer is attempting to blame me. 
Loan servicer has improperly reported me to credit bureaus as late or delinquent when this is not the case. 
I am presently current in my payments per loan agreement, but Servicer continues to harrass me.
Consumer complaint received 2016-12-05
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL (CA)

Someone applied for a credit card using my social security number in XXXX XXXX, CA. They put a stop on the application because I called but they would not give me the information put on the application without a subpoena. We have reason to believe we know who committed the fraud as there is a current felony case against him. The company is not pursuing any legal action against the fraudulent behavior and will not give me the information even though my social security number was used.
Consumer complaint received 2016-11-26
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL (NY)

On XXXX XXXX 2016 I was incarcerated ( I will attach documentation from XXXX XXXX Jail ) for a period of 4 months. My children were left in the care of XXXX friends of mine as my parents are deceased. I left them with over five thousand in cash to take care of my children and bills for this period of time. None of my household bills were paid, luckily I had paid my mortgage for a year ahead in payments. During this time they rifled through my room, stole my parents wedding bands, children 's savings bonds and some tools. They also located several credit cards. They proceeded to max all of these cards out and the ones they did not use ( store charge accounts without a master/visa logo ) were closed due to the damage caused to my credit score, which fell from a XXXX to a XXXX. Upon my release I took the appropriate action of filing police reports, disputes and fraud complaints. A few were resolved quickly and in a positive manner, though there was little I could do about the closed charge accounts. However after providing all the reports a few of the cards have given me problems, now 2 months after my release I am taking further action to try and obtain satisfactory results. I 've had enough after spending countless hours on the phone and dealing with collection calls for charges I did not make and that did not go to the care my children! I worked hard to build my credit and have done my best in the last 3 years to make my payments on time. This whole situation has been sickening. 
As a result of the a fore mentioned actions I had several store charge accounts that were closed, even though they had either a zero balance or a small balance. The reason given was inactivity ( due to my incarceration ) and a change in credit score due to the fraud that was committed. These accounts were backed by Synchrony bank. The only account that was resolved through them ( Synchrony ) was my Wal-mart card ( which did have a payment made on it and then the people who committed the fraud asked for a credit line increase ) and the card credit line was restored. However my XXXX XXXX Tj Maxx XXXX XXXX XXXX, Toys R Us XXXX XXXX XXXX were all closed. While incarcerated I had a small remaining balance on my XXXX and had some late charges, I paid this off in full XXXX and they still refused to open my credit line and stated I would have to reapply which would only hurt my credit score more. Since they restored my Walmart card I have used it and made my payments on time as I did before my incarceration.
Consumer complaint received 2017-01-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc. (TX)

Constantly calling me from different numbers and I have tried to set up a payment plan because I was laid off an fell behind on bills buy I 'm paying everything back asap an I have explained that to them an they supposedly make notes but with in a few minutes they start calling and harassing me
Consumer complaint received 2016-09-24
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: SYNCHRONY FINANCIAL (PA)

I have a Walmart credit card with a {$500.00} dollar limit. I have always paid my bill on time. In XX/XX/2016 they lowered my limit down to {$400.00} dollars without any notice. I thought it was fraud on my account because I did not receive a lettering in the mail, no email not even a phone call. So, I contacted Walmart that 's how i found out my limit was lowered. I ask if they can notify me if this happens again. They did it again in XX/XX/2016. lowered my limit without notice. I was in the store in line paying for my item and my card rejected. I felt so humiliated when my card declined, i had my children with me. I called Walmart and they lowered my limit again without any notice. I never gave Walmart auth. to check my credit report. My credit report has not changed since I had this card. So this is why i am confused as to why they keep lowering my limits without notice. This is also leaving a negative rating on my credit report. I have never paid late on this card. I an not understanding how this can be legal. I am trying to get a loan for starting a new business and this is negatively affecting my credit. Please help!
Consumer complaint received 2017-03-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (NY)

XXXX is reporting an inaccurate debt that was in face paid in full to the credit bureaus under my name. This company has harassed me in an attempt to collect a non legitimate debt, and then continued to call me after the debt has been paid in full. XXXX is reporting a closed account to all XXXX credit bureaus and has shown to use non legitimate information to verify the debt. I have disputed the account to no avail, and the company refuses to delete it from their record. Even though the account was paid in late XX/XX/XXXX, XXXX has continued to report this account, the latest time being XX/XX/XXXX This is an unfair representation of my financial history and should be deleted immediately.