davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: P&B Capital Group, LLC (GA)

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to bring to your attention a collection agency called PBCAPIGRP that has been engaging in questionable practices that may violate several laws meant to protect consumers. XX/XX/XXXX  XXXX. Fair Debt Collection Practices Act ( FDCPA ) : PBCAPIGRP may be violating this law by engaging in harassing or abusive behavior towards consumers. They may be using aggressive tactics, such as repeated phone calls, threats of legal action, or using offensive language. 
XXXX. Fair Credit Reporting Act ( FCRA ) : PBCAPIGRP must accurately report information to credit bureaus. If they are providing inaccurate or outdated information to credit reporting agencies, they may be in violation of this law.

3. Truth in Lending Act ( TILA ) : PBCAPIGRP must provide consumers with clear and accurate information about their debts, including interest rates, fees, and payment terms. If they are not transparent about these details, they may be in violation of TILA. 

XXXX. Consumer Financial Protection Act ( CFPA ) : PBCAPIGRP must act fairly and transparently in their dealings with consumers. If they are engaging in deceptive practices or withholding important information, they may be violating this law. I urge the CFPB to investigate PBCAPIGRP 's practices and take appropriate action to ensure that consumers are protected from any unfair or unlawful behavior. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, Georgia
Consumer complaint received 2024-03-01
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Stein Law, P.C. (OR)

Ive made multiple attempts to lower the garnishment amount with the company. None of which were successful. Ive sent them all the proof they needed to show I was experiencing financial hardship and my garnishment amount should be lowered. Even my w2 as requested. They mad their own judgement, failed to look at the documents sent to them and continued to take 20 %. After filing multiple complaints with the state and federal bureaus I was contacted by XXXX XXXX asking what amount would work for me, that she would reduce it only if I agreed to cancel my complaints. I asked for 10 %, signed documents she sent me and still 3 weeks later they are taking 20 % from me.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: MARINER FINANCE, LLC (TX)

I am writing in reference to the response received regarding Complaint XXXX. In your response, it is stated that I, XXXX XXXX, entered into a loan agreement on XX/XX/year>, agreeing to make 26 payments of {$67.00}. However, I want to reiterate that I have never entered into any agreement with Mariner Finance. Despite my requests, the company has failed to provide the original contract bearing my signature, a fundamental piece of evidence to substantiate such a claim. Moreover, I have explicitly asked for copies of my identification on file, including my ID and Social Security card, which are typically required for any legitimate financial transaction. To date, Mariner Finance has not presented any such documentation, further raising concerns about the legitimacy of this alleged debt. Despite my efforts to seek resolution and clarity, Mariner Finance continues to report this disputed debt to the credit reporting agencies. This ongoing disregard for my rights as a consumer and the lack of transparency in providing essential documentation are clear violations of the FCRA and potentially involve illegal and deceptive practices. Given the circumstances and the lack of cooperation in providing necessary documentation, I feel compelled to inform you that I will be proceeding with legal action against Mariner Finance to address these violations. I have diligently documented our interactions, and this letter serves as a formal notice of my intent to seek legal remedies. I urge Mariner Finance to reconsider its stance on this matter, provide the requested documentation promptly, and cease reporting the disputed debt to credit reporting agencies. I believe in fair and ethical business practices, and I trust that a resolution can be reached before escalating this matter further.
Consumer complaint received 2024-03-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (TX)

I lived in some apartments XXXX years ago that were very disorganized and dishonest practices, as well as the electric company. For example in a XXXX sq ft apartment we would get a bill around {$400.00} just for normal electric use. Having to deal with them constantly and complain, we ended up just paying it. Left there around XXXX to a different city with a different electric company and have not dealt with them since. Just now in XX/XX/XXXX, a collection on my credit for {$500.00} appeared from collection agency " IC System '' from XXXX energy. I called IC system and they are unwilling to remove it from my collections and tell me to contact XXXX energy. When I call XXXX energy, they tell me they can't do anything other than deal with the collections agency. I also can't get any of my records from the apartment complex which has changed hands multiple times who are now " XXXX XXXX ''. I feel like my hands are tied at every direction I try to take. This charge that isn't even mine from an account that I used XXXX  years ago caused my credit score to go down XXXX points.
Consumer complaint received 2024-03-01
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Healthcare Finance Direct LLC. (IL)

Hello, I was using the service of teeth aligners from the company XXXX. Out of nowhere, they stopped answering emails in XX/XX/2023 and if you looked them up online you could see all over the news they declared Bankruptcy in XX/XX/2023 but would still require the monthly payments from their clients ( even if you never got to finish the treatment which is my case ). 

A separate company called healthcare finance direct has been collecting the monthly payments and threatens to send you to collections if you do not pay. I was making my monthly payments until I disputed the payments of XXXX and XXXX with my bank. I received a letter from the bank saying the dispute was closed but the healthcare finance direct company called me saying I still owed those months too, if not paid I would be sent to collections. 

I have stopped receiving my aligners for more than 5 months now and am still expected to pay my full debt. 

I have already tried to complain with healthcare finance direct but they have told me they can not do anything until XXXX releases information on what they will do with clients.
Consumer complaint received 2024-03-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Central Portfolio Control Inc. (AZ)

I keep having a debt collection added to my credit, which has been removed TWICE because it is inaccurate. They have called me every day for years and I keep telling them I don't owe anything and it has been removed but now it's been added for a THIRD time. PLEASE PLEASE help.
Consumer complaint received 2020-07-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX  did not delete inaccurate reporting by XXXX XXXX XXXX of a charge off in the amount if {$1.00}. This charge off was reversed and the account was reopened.
Consumer complaint received 2024-03-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (PA)

On XX/XX/XXXX I received a letter from Nelnet informing me that I was approved for the SAVE program and my account was switched from my previous IDR to SAVE. On XX/XX/XXXX I received a letter from Nelnet informing me that my account was placed into administrative forbearance for 12 months, through XXXX of XXXX. On XX/XX/XXXX I received a letter from Nelnet saying that I must reapply for the SAVE program due to not providing requested documents and proof of income. I spoke to a Nelnet representative today XX/XX/XXXX. Her name is XXXX, she confirmed that my entire application with a payment stub was in my file and she reviewed it during our call. She acknowledged I was informed that I was enrolled in the SAVE program and placed in administrative forbearance for 1 year. She then confirmed that my application is now labeled as " abandoned '' due to lack of providing proof of income. XXXX put me on hold while she attempted to call the enrollment department. She came back saying they aren't answering the phone. I explained that I was on hold for over 45 minutes while the previous representative was trying to get a hold of XXXX and I would be very content to hold until she could reach someone in the enrollment department. I explained that I arranged my workday to have plenty of time today to wait on hold and to get this issue resolved. XXXX explained that it is Nelnet policy to not continue to try to contact the enrollment department while clients wait on hold. She insisted that she will continue to contact them on my behalf over the next week and she will get back to me. I believe I have been blown off and that I will never hear from XXXX again and that I am currently not enrolled in any program due to Nelnet altering my status and kicking me out of the SAVE program after putting me on administrative forbearance until XX/XX/XXXX. Nelnet is changing the rules of the game and not giving me a fair chance to play legitimately. If I was approved and given administrative forbearance, how can they legally kick me out of the SAVE program and then refuse to let me stay on hold while I set aside time to try to resolve the problem ( have them correct their error? )
Consumer complaint received 2024-03-01
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: SYNCHRONY FINANCIAL (OH)

My HYS account was restricted all of sudden. I talked to them about the issue. They told it would be solved. After 2 days a person calls me while I was busy working at XXXX. I said I was busy and called back later. The person was saying she was from synchrony bank and started asking sensitive information. I was suspicious about the call and thought someone was trying to scam me. By the way the person was very rude on phone. I didnt give them sensitive information due to that suspicion. Later I came to know after talking on XXXX  in mobile app that the person calling was real. But after 3-4 days of restricting the account they even restricted me from signing in into the account in mobile app. I have been calling them multiple times they say they will unrestrict account in 2-3 days but it has already been 10 days. Nobody lets me know what is the problem. I never had these kind of problems with other banks. I am in acute need of money that is in my HYS account.
Consumer complaint received 2024-03-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ADP Inc. (VA)

I work for a company that uses ADP payroll services and ADP manages their XXXX plan. In XXXX we were paid on the XXXX and the XXXX. As of today, XX/XX/24, my contribution of & XXXX has not posted to my XXXX. If they do this to all participants, it is millions of dollars that they can draw interest on to keep for themselves! I have called ADP but they do not have representatives sufficient for their call traffic.
Consumer complaint received 2017-02-01
Product: Credit card — 
Issue: Billing statement — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

XXXX is reporting a charged-off account with a balance of {$1000.00} with a high balance of {$1400.00} on my credit report. I do not understand how they came to this balance considering that this was a {$500.00} secured credit card. A card on which I put down a {$500.00} deposit which I never received back. Please have XXXX provide me statements for the account corroborating the balance that they are reporting on this account as well as the high balance. How could I charge up {$1400.00} on a {$500.00} credit card? I am requesting this information based on 623 - 15 U.S.C. 1681s-2 ( C ) ( i ) " included on or with any notice of default, any billing statement, or any other materials provided to the customer ''.
Consumer complaint received 2022-08-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (VA)

I received this email this morning. I believe it is a scam. 
I can't copy the note, except for this portion : XXXXXXXX XXXX XXXX To : XXXX XXXX : XXXX The claim is that I have subscribed to their service and they are deducting {$330.00} from my account. 
Thank you! 
XXXX
Consumer complaint received 2024-03-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NJ)

Someone created a USAA account under my name, email & ssn. They then tried to send a message as USAA to my " usaa '' inbox that had a number to call ( XXXX XXXX XXXX ). I called their fraud department and she had filled out some fraud form and was told USAA will contact me later.
Consumer complaint received 2024-03-01
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC (FL)

Per the FCRA as a federal protected consumer I am now opting out of any and all authorizations, I the consumer, may have given you written/unwritten, verbal/non-verbal, per 15-USC 6802.
Consumer complaint received 2020-05-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TekCollect Inc. (NE)

In XX/XX/2020, I have pulled my annual credit report and Tek Collect is reporting still after I have requested numerous times to receive proof of debt. 

I am requesting proof of service and any and everything associated with my personal information.
Consumer complaint received 2024-03-01
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NC)

I have tried to use this card several different times at different places. This complaint is about the card being denied online at XXXX. Amex states this card can be used where Amex is accepted. I often pay for groceries online at XXXX with an Amex. I was not able to with a gift card
Consumer complaint received 2020-07-02
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: EQUIFAX, INC. (FL)

After XXXX XXXX submitted an improper code to the three credit bureaus that indicated my mortgage loan was in a current loan modification status, causing severe and detrimental decreases to my credit scores, they updated late payments from XXXX, XXXX, XXXX that EQUIFAX, XXXX AND XXXX, further decreased my scores. Why the XXXX would these reporting agencies not know that if I had late payments back in XXXX, XXXX, XXXX that they would have already been accounted for in my credit score back when they were late? Instead EQUIFAX and XXXX decreased my scores in XX/XX/XXXX for late payments back in XXXX, XXXX, XXXX. 

I have included a letter from XXXX XXXX  that plainly shows that when they updated the information to try to fix the mess they made when they submitted a code to update a remark, these are not newly added late payments yet Equifax score dropped back down to 690 and XXXX took additional 21 points or so from me. XXXX showed Current/Never late and they took their opportunity to add these XXXX, XXXX, XXXX late payments onto my account. XXXX is a XXXX company that has done everything in their power to destroy what I have worked so hard to build.
Consumer complaint received 2024-03-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: U.S. BANCORP (NY)

We were given a boat loan through USBank with the XXXX where we purchased our boat in XXXX of XXXX. The original boat loan was in the amount of {$82000.00}. In XXXX of XXXX I called US bank and inquired why I didnt not see a normal reduction in our loan amount despite making regular monthly payments and additional payments towards the principal. I was also told that we are billed daily interest rates on the original amount. Which means some months the interest rates are higher based on the number of days in a month and when our payment was received by them regardless if the due date fell on a day they were not open ( weekends ). I was told that ; XXXX. The interest rate does not decrease even if the amount of the loan is reduced. I was told that we will continue to interest rates based on the original loan despite the balance. XXXX. I was told that extra payments are not applied to the principal unless the payment is made with the original scheduled loan payment. Starting XXXX of XXXX I was making a lump payment of {$600.00} per month. An additional $ XXXX dollars a month to be applied to principal only. This is not happening. Since the start of our loan of {$82000.00} we have only paid off {$7400.00}. We current still have a balance of XXXX despite making total payments in the amount of XXXX. Something is not right. This feels totally corrupt.
Consumer complaint received 2024-03-01
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NC)

I tried to use this card at XXXX. XXXX has a relationship with Amex so there is no reason this card should not work there. I often use Amex at this vendor and I should be able to here. I have tried it twice and it will not work online. I chose Amex cards vs other types of cards because I wanted to pay for things in XXXX and I am not able to.

I am requesting the full amount of this gift card to be returned to me in a check.
Consumer complaint received 2020-07-02
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio Recovery Associates has repeatedly attempted to collect the wrong amount of accounts prior with XXXX XXXX. I have no contract with PRA. These were secured accounts and deposit adjustments are not being reported. Furthermore, these accounts are not active revolving credit accounts.
Consumer complaint received 2023-07-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (MD)

On XX/XX/2023 a cash withdrawal of {$400.00} and a withdrawal of {$510.00} was taken from my account by using an atm machine. It was a deposit of my wages earned from my employer. I disputed the transactions they were denied. I also with to the local authorities about the transactions. This number XXXX claim to be a representative of the company. I also appealed the denial request and they denied it again. I am out of money in which were for my bills.
Consumer complaint received 2020-07-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions (GA)

This company keeps saying I did not attend my move out inspection and I did. On XXXX XXXX 2019. The last time I made a complaint I added pictures as proof that management was there with me and they said they would reinvestigate and I never heard anything back from them. I will post the pictures again because these statements are inaccurate and I do plan on elevating this further in the system after trying to resolve this on multiple occasions. This company has no proof of anything they're stating in these responses. I have had it removed from 1 of the credit bureaus and I will not stop until it is removed from all 3.
Consumer complaint received 2024-03-01
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Synter Resource Group, LLC. (MN)

This complaint is with XXXX and SynterResource, a collection agency regarding harassing me over a disputed charge. In 2022, XXXX charged {$5900.00} to my credit card which XXXX had on file as a requirement for me to open a account with them. The correct amount that should have been charged was roughly XXXX XXXX.after dozens of attempts to resolve the issue, I was told by a XXXX account Rep a credit would be given on my account for the difference. XXXX has not honored this credit and is attempting to collect an additional {$1200.00}. XXXX has continually passed the matter from one department to another and never actually responded to my attempts to reconcile the overcharge and has send the additional amount to a collection agency. I immediately contacted the collection agent and informed them that I dispute the charges and supplied them with all the supporting documents. 3 times over 4 weeks since this notice of my dispute of the charges, the collection agent has continued to ignore my notice of dispute and continues to send collection demand letters and daily emails to me harassing me to pay them the disputed amount. The frustrating part is they never respond to the my attempts to contact them regarding the initial effort on their part. This seems like a billing scam.
Consumer complaint received 2018-01-11
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: SYNCHRONY FINANCIAL (CA)

There have been a multitude of credit inquiries under my name that I did not authorize or commit myself. I noticed inquiries from XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, etc. Someone has been using my information to apply for credit. Since I noticed all these inquiries, I have placed a credit freeze on all of my credit reporting agencies. Furthermore, I have contacted most if not all the accounts and requested they be closed under fraud.
Consumer complaint received 2023-08-31
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (NC)

I received notification that a debt was owed from a rental company. The email was received XX/XX/2023 and I receive additional documentation on XX/XX/2023. The statement of balance owed reflects an amount of {$1800.00}. I contacted Hunter Warfield and advised that I had a security deposit of {$1200.00} that is not showing as applied to current balance. The statement of a balance owed goes from the date of XXXX. I requested that the deposit be applied to the balance and this be revised to reflect the correct amount owed. Today XX/XX/2023 I receive a call stating I originally owed {$3900.00} and that the security deposit was subtracted already so the balance of {$1800.00} is correct. This is fraudulent because why isnt this shown anywhere on the statement of balance owed to begin with. I want this company investigated. Along with the company XXXX XXXX XXXX.