davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-28
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Army and Air Force Exchange Service (CO)

This is a complaint against XXXX XXXX card and take it home today. The original debt that was closed in 2013 was for {$3500.00}. I called to get a settlement for this account because Im trying to buy a home and this is a federal debt that had to be paid. When I called they told me because of interest and collection fees the debt is now {$8500.00} and that they only do settlements after XX/XX/XXXX because then everyone would call with settlement land from their tax money. They only way to pay the debt was in full the first so see I spoke with stated that even if I did a monthly payment of {$90.00} to pay off the debt I wouldnt pay it off in 100 years because the monthly interest is {$81.00} I was also told that I should ask my family for money if I wanted to pay off the debt. Then I was informed by the associate that they were a federally backed debt meaning even if it took them till I received Social Security eventually they would get their money so they had no reason to settle with me. Now because of this my family is losing out on an opportunity to buy a home and after 6 years of military service once more I get a slap in the face by the US government. My account number is XXXX my phone number isXXXX
Consumer complaint received 2022-10-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: MECHANICS BANK (WY)

Late fees of {$15.00} per month on the account summary portion of the Mechanics Bank Auto statement, but on the payment coupon further down the statement shows late fees ranging from {$15.00} ( correct late payment fee ) on XX/XX/2022 statement, but each statement after XX/XX/2022 having overcharged with the highest amount being {$75.00} on the XX/XX/2022 statement. 

I've been trying to catch up on payments on my account but the varying fee amounts are making me fall further behind. On the XX/XX/XXXX payment due date coupon, it shows {$75.00} in late fees. On the XX/XX/XXXX payment due date coupon, it shows {$60.00} in late fees. Then again in XX/XX/XXXX, it shows {$60.00} in late fees as well. On XX/XX/XXXX it shows {$45.00} in late fees. XX/XX/XXXX shows {$30.00} in late fees. XX/XX/XXXX shows {$15.00} in late fees which is the only month where it seems correct. Every other month it seems like it was being duplicated two to five times what it should've been. 

From what I understand, late fees are {$15.00} per month according to the account summary on the estatements but I've been overcharged by quite a bit for the last five months. 
XXXX - {$75.00} late fees minus correct {$15.00} late fee = {$60.00} overcharged XXXX - {$60.00} late fees minus correct {$15.00} late fee = {$45.00} overcharged XXXX - {$60.00} late fees minus correct {$15.00} late fee = {$45.00} overcharged XXXX - {$45.00} late fees minus correct {$15.00} late fee = {$30.00} overcharged XXXX - {$30.00} late fees minus correct {$15.00} late fee = {$15.00} overcharged Total overcharged late fee amount = {$190.00} On the mechanics bank auto website account history it shows 5 late fee assessments of {$15.00} each, so I'm not sure why there are 5 months of 2x to 5x the amount of the original {$15.00} late fees added on to my minimum amount due.
Consumer complaint received 2021-09-20
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: JPMORGAN CHASE & CO. (TX)

A dispute was escalated with Chase Card Services due to an unauthorized/not validated Final statement of charges provided on XX/XX/2021 ; in the amount of {$2200.00}. The Final Invoice clearly states " Your signature is required '' and was never signed. Per the office staff at XXXX, not all services were completed. Incorrect and False information provided on statement of charges. It is almost impossible to communicate with employees at Chase Card Services when calling by via telephone due to the lack of staffing ( automated messages only ). Police report provided to Chase and case was still closed out without any prior communication and/or follow-up. Please See Attached, Additional detailed information available upon request.
Consumer complaint received 2020-11-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2018-02-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BBVA FINANCIAL CORPORATION (TX)

Hi there, I received an invitation from BBVA Compass to open a checking account betweenXX/XX/XXXXXX/XX/XXXX for a {$200.00} bonus after direct deposit within 60 days. I applied through the link provided by BBVA onXX/XX/XXXX, and had my first direct deposit from employer onXX/XX/XXXX. Multiple representatives from general customer care, marketing and underwriter department confirmed that I am eligible and would received the bonus beforeXX/XX/XXXX.

By today, XX/XX/XXXX, I still have not received the bonus, and the rep over the phone now found the excuse that the account was approved on XX/XX/XXXX regardless my submission on XX/XX/XXXX. The delay was due to the high volume of application and slow review process from BBVA. I was informed multiple times that as long as I submitted the application before the deadline, XX/XX/XXXX, i would be still eligible. Now BBVA tried to avoid its own obligation with this lame excuse. This is not the right way to do business. At this moment, I need to seek help from CFPB.

Thank you very much, XXXX
Consumer complaint received 2018-02-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERICAN PACIFIC MORTGAGE (CA)

Everything started around the end of XX/XX/2017. We met XXXX at an open house where we also met the agent, who would then became our real estate agent. We were working with somebody else but the agent made us understand that would've been easier to work with somebody she knew, and that XXXX worked for a really good company and that he could help us get the loan we needed to buy the house of our dreams. Everything started few days later : we provided him with info he needed to start processing the request for our loan. Short after that, he gave us the pre-approval letter, with the loan amt we were approved at, an appealing interest rate, a down payment amt.. Everything we needed to start shopping for a home. We found a home. Everything was going OK until he sent as the final documents, I believe it was the good faith estimate : but wait, a few information were NOT what we got disclosed at the beginning.. the interest rate went from 4 % to 7 % .... When we have requested explanation on why that happened, he told us that our case was different. I asked in how come this is coming up now at the end, when she knew that case was a little bit different.. At the point our communication broke up. He started by saying that we could sign docs with that interest rate, and 6 months later he could refinance me at a much lower interest rate, and that was good for me, as he would have been a much higher tax deduction. 
From that point we had to look for a new lender and honest one. 
P.S. At the beginning of the all process, I even recommended him in to a friend of mine and guess what? she call me a few days ago and without knowing what happened to me she told me that it happened to her too. 
Sorry, But I thought I was dealing with a shark, and I do not gamble my money and my happiness..
Consumer complaint received 2021-05-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (NY)

Hi. Someone hacked my coinbase account on XX/XX/21. My bank information was linked to my coinbase account. Hacker deposit {$5000.00} of my money to my account and was trading. I lost around $ 400-600. I did not get about the Transactions. Also, hacker deposit {$5000.00} not showing on my coinbase account.I feel coinbase unsafe. Just wan na close my account when everythings fixed. 
I am not sure about the loss. 
The hacker is from XXXX. I am a US Customer amd they did not see this is wrong. 
Coinbase was not protecting my account at all.

I want my money back. Coinbase made a mistake and a I hope they take responsibility for it.

Also, I have another problem. {$5000.00} transaction was pending. I called my bank to stop this transaction. Coinbase want to pay {$5000.00} back. I paid {$3900.00} back. ( it was on my account ). I tried to add my bank to pay the rest {$1000.00}. I removed from my bank informaton before because hacker had access to my bank information. So, I tried to add my bank once again to pay the rest of the money and it did not let me. So, I wired money to coinbase. ( {$1000.00} ). It doesnt show on my coinbase account and I did not get email about they received my money. In this case I want this money back to. 
I attached pictures. I circled which transactions was unauthorized and I circled I paid {$3900.00} back. Also, I attached a picture about the wire transfer. 
I did not buy bitcoin I add that picture too. 

Thank you for your help : )
Consumer complaint received 2019-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX reported that I paid my car loan late in XX/XX/2018 which is inaccurate. XXXX XXXX XXXX offered its customers Disaster relief for the Hurricane and I was granted relief. I made my payment on the date they informed me to start paying my loan again and they incorrectly reported me for late payment to the 3 credit bureaus. I want this removed immediately.
Consumer complaint received 2018-02-05
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: United Collection Bureau, Inc. (NY)

XXXX XXXX XXXX ( UCB ) acting on behalf of XXXX contacted me between XX/XX/XXXX-XX/XX/XXXX to settle my debt of {$5400.00} ( account ending XXXX ). I was told over the phone that it would be resolved for {$900.00}, which I payed to UCB. 

My credit improved. By XX/XX/XXXX, my credit score was raised from XXXX to XXXX. 

In XX/XX/XXXX, this debt from XXXX reappeared in default, and my score suddenly plummeted to XXXX. 

Why is this being reported now? Either XXXX is mistaken or UCB has violated the FDCPA. 

THIS COMPLAINT IS A REQUEST OF PHONE RECORDS FROM UNITED COLLECTION BUREAU ( UCB ).
Consumer complaint received 2022-01-09
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Bureau of Jamestown, Inc. (NY)

I was NEVER contacted by CBJ Credit Recovery XXXX XXXX XXXX XXXX XXXX NY XXXX main phone XXXX XXXX Office phone XXXX XXXX XXXX This company without Ever contacting me CBJ directly filed a false report to XXXX and damaged my credit score without my knowledge stating I owed them a false amount of {$130.00} The company XXXX XXXX notified me my credit score will change due to this claim being filed under my social security number. The same day XX/XX/XXXX, I called the CBJ because I did not know who they were! and found out they were representing My XXXX XXXX XXXX XXXX. I spoke with XXXX who said she was the supervisor at that location XXXX XXXX XXXX and stated she did not get paid from my XXXX my insurance company for two dates of service XX/XX/XXXX and XXXX XXXX. I immediately called XXXX twice since XXXX XXXX and XXXX XXXX to follow up and this whole incident is a lie behalf Of CBJ Credit recovery. They were paid plus they should Not file a report on my stellar credit report ever! how dare they misuse their power having my information never contacted me and in addition being paid from my insurance company continue and not clearing my credit report. They should be penalized with a fine to pay for their carelessness.
Consumer complaint received 2024-02-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is so annoying & frustrating. Ive sent TRANSUNION multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Transunions responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (FL)

XXXX IS NOT ADA ACCESSIBLE. Federal Trade Commission Website CONSUMER INFORMATION. see attatched FTC ID Theft case XXXX XXXX   provided NO ACCESS. FTC You may view FTC Website on line. Question 1 ) Have you been billed for merchandise you never recieved? I ANSWERED YES. FTC explains Mail Internet Merchandise Rule & Fair Credit Billing Act YOU DON'T HAVE TO PAY FOR MERCHANDISE YOU ORDERED BUT NEVER RECIEVED. see attatched CRIMINAL INVESTIGATION. Letter dated XX/XX/XXXX USPS deliveries not made US POSTAL INSPECTION. see attatched EQUIFAX CREDIT REPORT. EQUIFAX has a duty to Consumers to VERIFY WITH WRITTEN DOCUMENTATION SIGNATURE & ACCEPTACE OF DELIVERY THESE ITEMS WERE DELIVERED INTO MY HANDS. ( XXXX REFUSES DOCUMENTATION OF ACTIVATION DATES OF THESE NEW CARDS ISSUED. endings XXXX XXXX XXXX & XXXX XX/XX/XXXX & XXXX XX/XX/XXXX & XXXX XX/XX/XXXX ALL REPORTED TIMELY BY PHONE MY ONLY OPTION WITH NO XXXX ACCESS. ) see attatched XX/XX/XXXX XXXX LETTER ALLEDGING THOUSANDS OF DOLLARS WERE DENIED NOT REPORTED TIMELY. Provide verified documentation these goods were delivered into my hands. ** XXXX illegally collected on this ID Theft and DESTROYED MY CREDIT. See attatched XX/XX/XXXX of collection XXXX   DENIED MY CLAIM ( see attatched XX/XX/XXXX Letter XXXX AND EXPECTS PAYMENT. EQUIFAX HAS DUTY TO VERIFY WHAT THIS BANK DID NOT OR REMOVE. PER FAIR CREDIT ACT PROTECT FOR CONSUMERS.
Consumer complaint received 2020-05-13
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (NM)

I called PennyMac to get at 3 months loan payment deferral. I talked to three or four or five people all of them acted like they have never heard of that and all they know about is forbearance I told him I don't want forbearance I want a loan modification payment deferral plan but they acting like that doesn't exist and they kept pushing forbearance. One guy even told me after I asked him if he's ever done a payment deferral before the virus he said yes then I said let 's do it now and he said I have to ask for forbearance before I do a payment deferral
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

I am submitting a follow-up complaint regarding an incident of identity theft. I wish to inform you that I have previously visited the FEDERAL TRADE COMMISSION website ( https : //www.ftc.gov ) and filed an identity theft report, with the FTC report XXXX XXXX. Pursuant to FCRA Section 605b, Credit Reporting Agencies are mandated to expunge any entries identified in an identity theft report. Attached are documents intended to facilitate the removal of erroneous information and fraudulent accounts that have appeared on my credit reports. Below is a list of unauthorized accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$31000.00}. In accordance with FCRA Section 605B ( a ), Credit Reporting Agencies are obligated to remove any items flagged by the consumer as stemming from suspected identity theft within four business days of receipt.
Consumer complaint received 2021-10-26
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIZENS FINANCIAL GROUP, INC. (TX)

Earlier this year we installed a security system in or home through XXXX.. We agreed to a monthly service fee and the equipment. The contract said payments would be payable to XXXX. XXXX, without notifying us, apparently sold the equipment note to Citizen 's Bank in Rhode Island. Citizens never notified me that the assumed trhe note. Citizens stared calling me about past due payments., I had no idea who Citizen 's was. After numerous calls, we finally determined what had happened. I have asked Citizen 's to provide information to show that they had assumed this loan and to provide me written proof. and the amount and interest rate. Citizen 's has thus far refused to provide me this information They claim they are a paperless institution. and that they do not provide this information. Without proof, I don not feel I should make payments to someone with whom I've never done business. If they would provide written confirmation, I would have some protection and proof is something goes wrong. They way they are handling it leaves me in libo.
Consumer complaint received 2018-02-05
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. (IL)

I have submitted numerous requests about deleting incorrect information on my credit file yet this company HAS NOT DELETED IT .... i wrote the courts in which they say THEY DO NOT SPEAK WITH CREDIT BUREAUS ... XXXX  says they verified this as mine thru the courts .. now today i receive a report saying they verified thru third party XXXX XXXX .... yet XXXX XXXX has been suppressed for over a year so how could this be an accurate..