davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-08
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (GA)

I am a XXXX XXXX and only get paid 10 months a year. We reached out to our mortgage company for help. We just needed temporary help because once my regular salary returned, we would be okay. We made three phone calls. The first call, they said they could do an extension where they add the payment to the end of the loan. But I needed to call back when I was officially past the due date. I called back after the due date and they said there was nothing they could do to help, and they couldn't do an extension. I was furious. I said that this was a VA loan and there was something they should be able to do. Again, they didn't offer any options. My husband called and they also told him they couldn't do anything. My husband had to search online on the website to find out about their mortgage assistance program. We didn't learn about it from them. We did everything we were supposed to and that took so much work. Every time we submitted the requested documents, we would get a notice they needed more. It took probably 2 months just to get all of the documents in. Then I get a notice that there was a negative hit on my credit report. The 30 day overdue payment had been reported. I thought it was an error because their website said the underwriting is paused while you are applying and they are reviewing your application. I had not received a notice that the mortgage assistance application had been denied. So I decided I would wait a few days and call and get it worked out. Then I got what they called a certified letter in the mail five days later ( and it definitely wasn't certified because certified requires a signature ). The letter said we owed them the payments we missed. The same day we received the notice that our application for mortgage assistance was denied. So instead of them reaching out and informing us that the mortgage assistance was denied, explaining why, and giving us the opportunity to make a payment ; they sent a letter to attempt to collect the debt, reported the missed payment to the credit reporting agencies, and then notified us that the application was denied. To top it off, I was like, I don't want to lose our home over a couple of months of temporary challenge so I went to make a payment. I had just applied for mortgage assistance and they were requiring me to make two months worth of payments. That is over half of my monthly salary. And although I have a partner, because I make more money than him, I pay the mortgage. And for us, that works. That lacked compassion and understanding. And lastly, today my husband got a debt collection message from them. Our entire experience has been horrible. We have received misinformation and they have done some unethical things that have been financially detrimental to us. On a personal note, this is the second time a company has hurt my credit score because of something they did.
Consumer complaint received 2022-08-01
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. (NY)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX Balance {$0.00} XXXX  XXXX XXXX Balance {$490.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX  XXXX Balance {$11000.00} XXXX XXXX  XXXX Balance {$1100.00} XXXX XXXX XX/XX/2020
Consumer complaint received 2022-05-04
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: U.S. BANCORP (OH)

US Bank is abusing my checking account and wrongfully withdrew {$490.00} from my checking account. 


I reached out to US Bank in XX/XX/XXXX in regards to a transaction in which the merchant promised me a refund in the amount of {$490.00} in the event that I did not pass the exams. This purchase was made in XX/XX/XXXX. 

I reached out to the merchant numerous times with no success. 

When I was on the phone with US Bank in XX/XX/XXXX, they agreed to issue me a provisional credit and the only request was to send back a faxed form confirming the purchase. 

There were no mention of anything else. Again, nothing else. 

Then on XX/XX/XXXX, I received a letter in the mail stating that " you were to notify us no later than 60 days after the transmittal of the statement in which the disputed item appeared and the 60 day period has passed ''. 


On XX/XX/XXXX, XXXX US Bank withdrew {$490.00} from my bank account without authorization or without telling me in writing or on the telephone while creating the dispute in the first place that my window of provisional credit or refund has passed. 

Therefore, due to their own error, again they wrongfully took {$490.00} out of my checking account and they need to replace it immediately as this is fraud on the bank behalf for " bait and switch '' as it is their responsibility to notify the consumer in advance that such deadline has passed and they did not mention anything in writing or on the telephone when the dispute was filed. 

They just randomly took {$490.00} out of my bank account when I followed their instructions and faxed the form back
Consumer complaint received 2021-11-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (LA)

On XXXX XXXX I went to Nissan of XXXX in seek of a vehicle where I was approached by a salesman who ran my credit to see if they were any vehicles available for my credit since i have had a reporting repo session, I also provided a down payment that I as the consumer and natural person had to provide in exchange for property for personal use. This company has failed to fully disclose information related to my retail installment contract ; the finance charge is the sum of all charges 15 USC 1605 and included down payment, this company has taken {$1700.00} cash legal notes and have provided the credit of {$1700.00} on the consumer credit transaction which is deceptive and misleading practices. XXXX Nissan have not to mention have run my credit with multiple banks and have used various addresses on multiple applications to find a lender in extending credit on my behalf. This had led to the reporting of inaccurate information to the credit reporting agencies I have never been a XXXX or XXXX resident which are reporting the same dates as me opening the retail installment contract which is fraud on my behalf unauthorized use of credit card defined by Congress states is identify theft. This is criminal and unlawful fraud practices I have been initially affected by this.buyer was not clearly and conspicuously informed of Sellers true intent.
Consumer complaint received 2021-10-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: U.S. BANCORP (NY)

I received a letter from US Bank to my home address to alert me that the Platinum Credit Card application can not be processed due to a credit freeze on my credit file. I did not apply for this card and assume that this is identity theft. I called US Bank and spoke with the Fraud Dept who said they would put a note on my application for fraud and advised that I file a police report ( which I plan to do ). The application would not be processed.
Consumer complaint received 2021-12-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (FL)

A validation letter was sent to Chase in regards to alleged debt. In that letter i, the consumer, was requesting validation of this debt which is provided as exhibit A. The response i received from chase to validate alleged debt was a copy of billing statements which is provided as Exhibit B. 15 USC 1692g states ( a ) Notice of debt ; contents Within XXXX days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within XXXX days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 

The billing statement that was provided contained 15 usc 1692g ( 1 ) and 15 USC 1692g ( 2 ) but did not contain any of the other requirements that need to be provided to validate a debt. They are in violation of 15 USC 1692g ( 3 ), 15 USC 1692g ( 4 ) and 15 USC 1692g ( 5 ). 

In exhibit B, the billing statement show that Chase is currently in violation of 15 usc 1692e ( 2 ) ( a ) which states A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt ; After reviewing the billing statements you can see the balance is a positive balance. If there is a debt owed the account should show as a negative balance as a consumer can not pay on a positive balance. This is a false representation of the amount of alleged debt and chase is currently in violation. 

Due to the amount of violations and inability to validate the alleged debt i demand that account balance be XXXX 'd out, removed from all credit reporting agencies and attached invoice paid
Consumer complaint received 2021-10-30
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: UMPQUA HOLDINGS CORPORATION (CA)

In XXXX of XXXX, i have purchased an existing business where we needed new equipment, we applied for equipment loan we got approved for XXXX but we only purchased for XXXX, the company who leased and or financed the equipment they drafted a lease based on XXXX but we never completed the purchase of equipment equivalent to XXXX but only for XXXX since then we asked them to revise the lease and correct and amend they never did today they tell us that my loan is XXXX and i signed the lease for that amount they did not revise amend from day one we start getting threats, harassments non stop calls, i can't seem to get these fraudulent act resolved and when i researched about them seems like almost every customer is facing the same fraudulent act
Consumer complaint received 2021-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XXXX, I was approved for a line of credit for XXXX XXXX XXXX. XXXX XXXX XXXX failed to clearly disclose my finance charge in the transaction, which is required pursuant to 15 USC 1605. XXXX XXXX XXXX is also ignoring my right to rescind the fraudulent contract they provided me. A credit application or statement is not verification of debt! Verification is disclosing who the original creditor is and Im the original creditor. This is my 2nd attempt to resolve this situation. XX/XX/2021, I order a cease and desist and sent a letter to verify who is the original creditor, but XXXX XXXX XXXX defaulted on the letter. I am the original creditor and consumer. No code in Federal law states that a consumer must pay a monthly statement or bill. XXXX XXXX XXXX is in violation of 15 USC 1692e for the use of false, deceptive, and misleading information to collect a debt from me the that I dont owe. Monthly statements sent to me from XXXX XXXX XXXX contain positive balances which is false and deceptive. 15 USC 1692b ( 2 ) states that you can not state a consumer owes any debt. Im a consumer and the original creditor who extended the credit to XXXX XXXX XXXX with my credit card in exchange for credit. Also, my card is froze and unauthorized information has been added to my credit report. 15 U.S.C. 1681b ( 2 ) states that consumer reporting agencies shall not report any information unless the consumer gives written instruction to do so. I haven't given any written consent to report anything positive or negative on my consumer report and DEMAND it to be REMOVED IMMEDIATELY.
Consumer complaint received 2021-10-30
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (FL)

Dear Sir or Madam I am writing to complain regarding double taxes that I am forced to pay on my vehicle lease by Infinity Financial Services. 
On XX/XX/2021 I have signed the vehicle lease agreement for XXXX XXXX XX/XX/XXXX at the XXXX XXXX XXXX in XXXX, New Jersey. 
The lease payments were agreed and fixed at {$460.00} per month. I was making payments as agreed. 
On XX/XX/2021 I have moved from XXXX XXXX  to XXXX and when I called Infinity Financial Services to update my address they adjusted my account and my payment increased by {$32.00} per month. 
When I called their Customer Services they explained to me that this is due to the change of the address and that XXXX collecting Sales Taxes monthly where that XXXX XXXX collects them upfront. This means that I have already fulfilled my obligations in full with the Department of Revenue of the Sate of XXXX XXXX on the Sales Taxes when I obtained a vehicle. 
Therefore, I do not understand why do I have to pay taxes again on the same vehicle. 
I have called XXXX Department of Revenue and representative explained that XXXX give a credit to the taxes paid in full in another state and XXXX XXXX is included. They have also provided me with the document confirming that. 
I have faxed this document to Infiniti Financial Services with request to adjust my account to the agreed amount of {$460.00} per month. 
However Infiniti Financial Services has declined my request without explanation. 
I still don't understand on what grounds they charging me extra taxes for the same vehicle. 
They are unwilling to communicate with me regarding this issue as well as explain their decision. 
Never the less, my second vehicle lease from XXXX XXXX XXXX was adjusted without a big effort, I do not understand why Infiniti Financial Services unwilling to provide satisfactory explanations of their actions and make necessary adjustments to my lease payments.
Consumer complaint received 2021-10-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (NV)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. There is no third party involved or any Credit Repair company working on my behalf. I provided proof that this company was falsely representing itself as a creditor which was a deceptive practice and in violation of the Equal Credit Opportunity Act. The XXXX Credit Bureau chose not to investigate and chose to continue reporting fraudulent practices. That is unethical and damaging as a law-abiding consumer. Please see below the account in concern : CREDIT COLL ( Original creditor : 06 XXXX ) XXXX Balance {$630.00}
Consumer complaint received 2021-12-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Affirm Holdings, Inc (TX)

Affirm was financing, at 0 % my XXXX tread. On XX/XX/XXXX the tread was picked up by XXXX according to their recall process. On XX/XX/XXXX affirm issued a partial refund back to my bank account where payments were debited from. When I did not receive a full refund I checked their FAQs and found that any payment made greater than 180 days ago would be issued by check. It did not quote a timeframe so I tried to find a phone number to contact them with my address change, and get an eta for the check. There was no phone number and when I tried to utilize their online portal, it just kept looping to canned responses about waiting for my refund. I had to comment via social media to get their attention. I was contacted via XXXX on instagram. I had several conversations there, and since I was provided a phone number, I also contacted them to change my address. Then again to inquire about the status of my refund when I did not receive it timely. I will attach screenshots of our conversations.
Consumer complaint received 2021-10-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

On XX/XX/2021, I was contacted by someone claiming to be someone who can help me financially. As someone who When I reluctantly accepted, they sent me a check for {$4500.00} which I deposited into my bank. On the next day, however, they began threatening to report me for theft to the authorities and demanded the money back. Over the next two days, I sent back two payments of {$1500.00} because that is the max allowed for me to send each day on XXXX ( via Huntington Bank ). But this morning ( XX/XX/2021 ), when I went to make the final payment to the individual, I saw that on top of the {$3000.00} I already sent, an additional {$4500.00} was withdrawn from my account; leaving me a balance heavily in the negatives. I immediately contacted my bank ( Huntington Bank ) and was told that there is pretty much nothing I can do besides paying back the negative balance despite having already paid two thirds of the balance. So unless I get some help, I am in the hole for the foreseeable future. Never trust people who claim to be generous and giving. They're all scammers.
Consumer complaint received 2021-10-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please be advised, Im a victim of identity theft. Someone used my information to get medical care. XXXX XXXX XXXX was deleted from my account was removed from my account on XX/XX/XXXX. Due to it being fraudulent. It was with XXXX XXXX. Now it has reappeared with XXXX, This account is fraudulent. XXXX or XXXX XXXX Didnt give me a 5 day written notice, which is a violation of the FCRA. These accounts are fraudulent, Ive never done business with this company or entered into a signed contract with these companies 1. XXXX XXXX {$500.00} 2. XXXX XXXX {$500.00} 3. XXXX XXXX {$810.00} ( XXXX XXXX XXXX ) Which was deleted already!! 

The following inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX credit XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX The following names XXXX XXXX XXXX, XXXX XXXX The following employers XXXX XXXX The following addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX All items listed are a result of fraudulent acts. None of this stuff belongs to me.
Consumer complaint received 2021-10-30
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NY)

In XX/XX/XXXX I contacted XXXX Credit Card owned by Comenity asking what my entire balance due was to pay off the credit card. They responded on XX/XX/XXXX that my balance due was XXXX and that they would close my account at my request. On XX/XX/XXXX I paid them XXXX ONLINE. The next month I got a bill for XXXX which was two late fees. 
I contacted the XXXX and they got no response from Comenity and closed my case last month. I contacted Comenity in XXXX and again in XXXX. They refused to remove the charges saying that my payments was late in XXXX, and then they added XXXX 's fees because I didnt pay in XXXX either. I argued, and sent proof that they sent me a letter stating what I owed and that I paid it. They still refused to remove the charges. 
Today, XX/XX/XXXX I got a bill for {$200.00}. So since XXXX I have been billed an additional XXXX on a paid off account. 
I cant retrieve any messages that i did not download because they delete messages after 120 days
Consumer complaint received 2021-10-30
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. (GA)

Im a victim of identity theft. The information listed below which appears on my credit report doesnt relate to any transactions that i have made. The following items are fraudulent 1. XXXXXXXX XXXX XXXX Acct # XXXX {$350.00} 2. XXXX XXXX Acct # XXXX {$1500.00} 3. XXXX XXXX XXXX XXXX Acct # XXXX {$1800.00} Ive sent multiple request to both XXXX & Experian they both continue to ignore me and refuse to do a proper investigation. Please see attached FTC report
Consumer complaint received 2021-10-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Allied Collection Services, Inc. (Nevada) (NV)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. There is no third party involved or any XXXX XXXX company working on my behalf. I believe I am a victim of identity theft. Due to the XXXX we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I decided to look at my credit reports and found that this ALLIED COLL ( Original creditor : XXXX XXXX XXXX ) was reporting to be negative on XXXX and XXXX. I have disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Here is the account being in question : XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$4900.00}
Consumer complaint received 2022-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX accordance with the fair credit reporting act XXXX XXXX XXXX XXXX  account # XXXX has violated my rights 15 usc 1681 section 602a states I have the right to privacy 15 usc 1681 section 604a section 2 it also states a consumer. Reporting agency can not furnish a account without my written instructions