davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MO)

My loans through Navient were disbursed on XX/XX/2007 with loan 1 original principal of {$12000.00} and loan 2 original principal of {$10000.00}, both with an interest rate of 6.65 %. As of today my principal on loan 1 is {$22000.00} and loan 2 is {$13000.00}. When I looked at how my payments were being applied, I realized that nearly 100 % of my payments were being applied to interest. Of the {$7300.00} I have paid toward these loans, only {$710.00} has been applied to the principal. The Capitalized Interest has added {$13000.00} to the principal since there is practically no reduction in principal each year. My current balance is {$36000.00}.
Consumer complaint received 2019-05-24
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (CA)

I wanted to get some help for I am being defrauded. 
I've been defrauded by a women who I dated for couple of months, I leased the car worth {$23000.00} 2019 XXXX XXXX under my name on XX/XX/2019 for her to commute because she has no credit to buy or lease the car on her own and her existing car has serious problems and so she can no longer drive that car. 

Right next day after she took the car from a dealer in XXXX, she discontinued and blocked our conversation over text and voice as well ( she did not respond nor answer my text ) and 5 days later she said she wanted to end the relationship out of nowhere. 

I asked her why didn't she tell me sooner and took 5 days without any communication or stop leasing the car when she knew that she was going to end the relationship the right next day? 
and she said she never asked for it but the fact is we've been shopping for a car over a week and I even shopped at the dealer while she was at work and sent cars information back and forth over text messages and we already discussed on the car issue quite some time and now she is trying to get away with the situation when I am left with {$23000.00} car for nothing. 

I already have two cars of my own and no other cars needed for me and I really don't know what to do with this terrible situation.

I asked the dealer if I could return the car but they said it is done deal and they won't accept it back She was there when we leased the car the whole time, she saw I signed the contract, a sales person is my witness and she was the one who drove off from a dealership and after she ran over 100 miles during the last 5 days and she left me a debt for {$23000.00} I can't sleep nor eat because I feel so sick and stressed out in this situation and needed to get help from consumer advocate like you I believe fraud is a serious crime and I firmly believe that she must take the responsibility on this matter. 
I have all the evidence such as text message conversation and witnesses. 
She resides in XXXX, California Please advise me what I can do to get out of this situation.
Consumer complaint received 2019-05-24
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: TIDEWATER FINANCE COMPANY, INC. (PA)

I purchased furniture from XXXX XXXX in XXXX. It was financed for Tidewater Financial Services. It is interest free for one year. I am re-financing my home with an FHA loan and I have to close all my accounts that involve credit. I called Tidewater with someone from the mortgage company and Tidewater said that they are not permitted to close the account unless it is paid. the mortgage count has said this is very unusual. I then contacted Tidewater via a web chat and was told the same thing. Tidewater is one of the companies that will be paid off with the loan. They will not close it for me. I have read some reviews about the company and I see that a great deal of people have had similar problems. This is causing a hold up of my loan and will make
Consumer complaint received 2019-05-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

One theft stole my credit card to purchase almost {$700.00} products in store. I reported these fraud activities to Bank of American fraud dept which has refused to dispute these charges. The reason of this decline is that Bank of American found the theft used this chip card to make these purchases. According to them, it is impossible to duplicate my credit card with Chip. I have reported this to XXXX XXXX Police Dept, the detective has found the camera footage which can identify the female theft who had used my credit card to make these fraud purchases. I did send all police reports to Bank of American fraud department 2 weeks ago. Bank of America sent me a reject letter again yesterday and stated that they rejected my dispute request based on their research. I called fraud department again yesterday who claimed that they still didn't receive my police report. Bank of America is a company you can't trust, the people worked there didn't care about their customer and keep telling me there was no record. They refused to give me any further information until they received my police report. So I faxed my police report to their fraud department today. I will keep appealing until they dispute these fraud charges.
Consumer complaint received 2019-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (WA)

Chase closed my AARP Chase credit card without my consent. Although I can understand closing an account for abuses or non-payment, it does not seem right that a card company can simply close an account because they are not satisfied with how much I am using their card. When a credit card company decides to take this action they are potentially having a negative impact on a consumer 's credit as the total amount of available credit is reduced and the average age of open accounts may decrease. This kind of tactic should not be allowed to take place and I hope you will thoroughly investigate this issue.
Consumer complaint received 2019-05-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (CT)

Last year was a very difficult year for me, I lost my full-time job, I barely had one part time and when they needed me, in my need for a job I put my resume in some job agencies like XXXX, In XXXX of this year, through her, I was contacted by a company that is dedicated to market research with " secret shopper '' ; After investigating about the subject I agreed, I received a money order of {$1000.00} ; I went to my bank ( People 's United Banck ) made the deposit, and it became effective. The money was in it for 24 hours, but I did what was required for the work, and I bought the gift cards, I took the photos and sent them together with the report they requested, this process lasted about three weeks, at this time I received Three more money orders, I did the same with these, and deposit them. One hour after the deposit someone called me from the bank and told me that the checks were bad, that it was a fraud, and there my nightmare began, I was treated as a criminal, the agency head was too aggressive and complacent, in this bank my account I was active 5 years, and still I was treated in a very offensive way, maybe because I still can not communicate verbally in English correctly, because I am XXXX. 
I put the complaints in the police the same day of the bank incident ; in the following weeks someone from the bank called me menacingly and told me that if I did not pay the money they made in my account I would send them to a collection company, and I was treated again as a criminal, I never said that I would not be held responsible for my responsibility for my mistake made because of my need for work. Shortly after this in the cooperative where I had opened an account they called me and told me that the bank had contacted them and they closed the account of the cooperative. As a result of this incident with the cooperative, I went to the bank 's offices in XXXX, CT, and spoke with Ms. XXXX, who helped me with a better spirit, and during the conversation she mentioned that these documents are detected 24 hours a day. your deposit and this is reported to the branch where the deposit was made, she made the management so that the bank would help me to open an account again to pay the money that I was cheated, but with the condition that she signed some documents which were not they wanted to send me to read them, because I wanted to be sure that I am about to sign, however they did not give me these by any means, it is more the Miss XXXX told me that because I do not go there and read them, I insist my English is not even strong enough to be able to understand certain things clearly. My desire to fix this situation is paramount because I have never had problems of this kind before. I am an honest and principled person and I am very scared with all this.
Consumer complaint received 2019-05-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (NH)

My mom was my payee, she called to make a payment ( I was there ) the man she was talking to Said I wasnt in there system. We repeatedly told him my name and kept saying I was not in the system. My mother says well if shes not in the system then who are we sending the money too? He said he did not know. Them mom said then I guess we not pay u because shes not in your system. And that was it. I was NOT in there system as they kept saying.
Consumer complaint received 2019-03-13
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Commercial Recovery Systems (KY)

I spoke with a relative of mine ( I'm domiciled at her address ) and she explained that someone called her looking for me about a warrant. She gave me the phone number ( XXXX ). I called and spoke to an alleged " XXXX XXXX '' who asked me for a case number. I explained none was given. I asked for the name of the company. He stated XXXX XXXX XXXX, XXXX and said that he could not do anything without the case number. I explained there was no case number. While doing so, I looked up the company and it appeared to be a collection company. I asked if he could cross reference other information. I gave him the number he that they called my relative on. I stated that they were a collection company. He said it was not. Then he said he will just have the court documents served and then hung up. I believe he was impersonation an attorney or court officer and should be held to FDCPA to answer for his and his companies tactics.
Consumer complaint received 2019-03-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/XXXX, {$3100.00} was charged on my Capital one Credit Card. It was rent for an apartment for the month of XX/XX/XXXX. The Real Estate Agent refused to allow me to see a copy of the Lease before making the application and deposit. I relied on Capital One to return my deposit in the event the Real Estate Agent did not deliver the apartment as agreed. The Real Estate Agent did not deliver as agreed because she submitted to me a Lease that had different terms and conditions than what she promised. I immediately asked for my deposit back and she refused. I asked Capital One to cancel the transaction. Capital One initially credited my account, but reneged stating that I did not show them proof that the owner did not approve the Lease. I spent more then 2 hours with Capital One on the telephone during several calls trying to get them to re-credit my account. I explained to them the following : The merchant lied in their response to Capital One in saying that the application and deposit states there will be no refund. The deposit application clearly states '' the down payment is refundable to the applicant in the event the application is rejected by the apartment owner '' The merchants response contains a second lie when it claims the client canceled at the last minute. The request for the refund was made within 24 hours of delivery of the Lease with different terms and conditions then was agreed upon. The merchants delivery of a Lease inconsistent with what was promised is in fact a rejection of a application and a counter offer to Lease on different terms and conditions. Therefore, under the terms of the application, the deposit should be refunded. I never received the apartment even though I paid in full for it and there was never a Lease signed. The merchant refused to present the Lease with the application and then later presented a Lease with different terms and conditions which was never signed. Capital One needs to re-credit my account in the sum of {$3100.00}.
Consumer complaint received 2019-03-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (NH)

My mortgage payment with Freedom Mortgage was set up on an autopay for the monthly mortgage payment and the XXXX payment was increased by {$73.00} due to escrow analysis the previous month. My partner called and they said to just send in the difference on the next payment which is what I did. Then I received a notification that my credit score had dropped XXXX points due to a mortgage late of 30 days. I called and they refused to help in any way and said that they would not change.
Consumer complaint received 2019-05-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Strategic Alliances, Inc. (GA)

Aforementioned collection agency, attempting to collect an alleged debt, has failed to acknowledge that the debt is disputed, even after being sent multiple letters and evidence showing the debt was indeed disputed. 

On or about XX/XX/2019, Complainant received a call from a representative who identified herself as a collection agent for First Financial Asset Management. I advised her, as per my rights under the FDCPA, that she and her company was not to call this Complainant after this call was finished. The representative also advised me that the alleged debt was for XXXX XXXX XXXX XXXX. I advised her that as per my aforementioned rights the debt was disputed within the thirty ( 30 ) day period of first communication and that I wanted an address to write a formal letter of dispute. She provided it and an account number. I sent a letter of dispute, via certified mail, which was indeed received by the First Financial Asset Management office, which replied with a verification of debt, which I stated in the first letter of dispute that I did not need, as I was aware of what the alleged debt was about. 

I sent three more letters, on the XXXX of XXXX, the XXXX of XXXX, which contained evidence of my dispute, and a final letter on XX/XX/XXXX, demanding a letter from First Financial Asset Management,  stating the matter was in dispute. ( All of these letters were sent certified mail and were received by the FFAM office in XXXX XXXX, Georgia. ) They have failed to acknowledge the letters and have basically placed me in a state of limbo, so to speak, on the status of this matter. A complaint was filed with the Georgia Attorney General 's XXXX, but they deferred this complaint and advised me to file one with your office.
Consumer complaint received 2020-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bonneville Billing and Collections (UT)

Bonneville Collections # XXXX is reporting a collection to my credit with a balance that was paid off in 2016. There is no reason this should still be reporting a balance and I would like it removed off of my credit report immediately.
Consumer complaint received 2024-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX : XXXX XXXX : XXXX To Whom It May Concern, I am submitting this complaint to the CFPB to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, as the credit reporting agency , block any information on my consumer credit report resulting from identity theft and fraud within four business days of receiving this complaint. 

The fraudulent and inaccurate information includes the following accounts, which I do not recognize and did not authorize : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$860.00} XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$480.00} XXXX XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} These accounts have resulted in multiple fraudulent collections on my FICO credit report. All of these accounts and collections were neither opened nor initiated by me ; they are a direct result of identity theft and fraud. 

For verification, I have attached a copy of the FTC Identity Theft Criminal Complaint # ( XXXX ) issued by the U.S. Federal Trade Commission, confirming that the aforementioned accounts and collections are fraudulent. Please delete fraudulent accounts as soon as possible. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-03-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Nelnet, Inc. (MI)

I was called from a number XXXX by an XXXX XXXX claiming to be able to help me with loan forgiveness. I called back and was speaking with a different woman ( she said her direct line was XXXX ) and asked me questions to get into my FAS ID account. I wasn't able to catch it until later, but she reset my password while asking me questions to " verify '' my information. I am unsure now about what of my information is stolen or what they found out. I have since reset my password. They wanted 4 or 5 months of {$170.00} to be entered into the loan forgiveness program and I am not entirely sure this is legit or legal. I wanted someone to be aware of this if it is a scam.
Consumer complaint received 2019-03-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Law Offices of Mitchell D. Bluhm & Associates (FL)

I received a letter from in XXXX of 2019 alleging a balance owed to in the amount of {$910.00}. I subsequently responded by disputing ownership and requesting verification as well as validation of the debt. On XX/XX/2019, I receive a letter dated XX/XX/2019 enclosed with an alleged verification of the debt obtained from the alleged current creditor, XXXX XXXX XXXX. 

The Statement of Account provided, which I have attached for additional reference, provides NO information as to who the current creditor is, has no letterhead or company information, what their contact information is, what agreement I made to pay their offices, what services I allegedly received, when the original notice to pay was provided to me, etc. 

On XX/XX/2019, a collection account owed to XXXX XXXX XXXX XXXX XXXX in the amount of {$910.00} was reported to the credit reporting agencies. 

At no time have I EVER received a bill or statement from any company named XXXX XXXX XXXX XXXX, nor have I received a bill statement or intent to collect any balances owed from XXXX XXXX, XXXX. Further, the response to my demand for verification and validation showed NO proof that XXXX XXXX XXXX XXXX XXXX owns the debt or that they have been assigned the debt by the original creditor. The letter shows NO verification that I owe the debt, nor does it include the valid documentation from original creditor. It is a violation to simply send a printout of the amount owed. 

Please remove the account from my credit reports immediately, provide original proof of notices provided to me from the original creditor, notices that the original creditor intended to send my alleged account to collection, notices from the current owner of the account providing me with the opportunity to dispute the alleged debt and all original contracts between the creditors and myself showing agreement to pay for any services rendered.
Consumer complaint received 2019-03-13
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

XXXX the dates is this inquire is XX/XX/XXXX.

The next inquire is XXXX again XX/XX/XXXX.

The next inquire is XXXX on XX/XX/XXXX The next inquire is XXXX XX/XX/XXXX.

The next inquire is XXXX XX/XX/XXXX.

The next inquire is XXXX XXXX dated XX/XX/XXXX The next inquire is XXXX and that date is XX/XX/XXXX That next inquire is XXXX and the date is XX/XX/XXXX The next inquire is XXXX Ca ans the date is XX/XX/XXXX The next inquire is Capital one and that date is XX/XX/XXXX The next inquire is Capital Ome and the date is XX/XX/XXXX The next inquire os Capital one and the date is XX/XX/XXXX.
Consumer complaint received 2020-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (FL)

Tried to request my free credit report from all 3 agency using the XXXX XXXX XXXX  website but after entering the requested details none of them are working. Either errors out or asking me ti send information via regular mail. Trying to get the report in the past week multiple times, the site never worked. It's either redirect to the agency site where I have enter additional info and then errors out, or simply doesn't work at all.
Consumer complaint received 2020-06-22
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: MARINER FINANCE, LLC (TN)

I was served to make an appearance in court regarding the loan. I contacted Mariner finance regarding the matter and they referred me to XXXX XXXX XXXX who would be handling the case. I spoke with XXXX at XXXX XXXX XXXX and I was told i would not have to make an appearance in court under the terms of the agreement that I would make my regular monthly payments directly through XXXX XXXX XXXX, Mariner finance, or my bank bank account. Today I called Mariner finance regarding a payment I made on XX/XX/20 in the amount of {$540.00} through my bank account which was the remaining balance on the account, because on my online account it is showing the payment amount only reflecting {$130.00}. I spoke with XXXX she told me that the payment had been split up to cover court cost and attorney fees without my knowledge because from my understanding I thought I was paying off the balance of the account. She also informed me that a judgement that had been made against me although I was told I did not have to make an appearance in court. There was still a court hearing without my knowledge and I was not informed of this otherwise I would have made the appearance to defend myself. Now instead of the account being paid in full there is a remaining balance of {$390.00}.