davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-23
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Monterey Financial Services LLC (GA)

On XX/XX/2021 I pulled my credit and noticed a debt owed to Monterey Financial Services, with a high credit of {$5200.00} and a current balance of {$9200.00}, for original creditor XXXX XXXX. On XX/XX/2021 I mailed Monterey Financial Services a debt validation letter, the letter was not a refusal to pay, however, I requested all documents related to the debt, including all documents pertaining to my balance and any related fees. On XX/XX/2021, I received a response letter in which Monterey Financial Services did not provide the documentation I requested, instead, they provided me with a letter stating my account is past due and a copy of my original contract from XXXX XXXX. 

Being that the documents I received did not explain why there is a difference of {$3900.00} between the high credit and the current balance, I called Monterey Financial on XX/XX/2021 and spoke to a XXXX XXXX at exXXXX. XXXX. XXXX explained the difference in balance amounts is due to interest, in the amount of 2.74 %, which is being charged daily, and annually at 18.99 %. XXXX stated per my original contract with XXXX XXXX, interest will accrue daily, therefore Monterey Financial Services is allowed to charge daily interest, which has caused my balance to increase to the current amount due. 

Upon forwarding my original contract with XXXX XXXX to my attorney for review, it has been determined my contract does not state I would be charged daily interest in the amount of 2.74 % or annually at 18.99 %. In addition to charging unauthorized and excessive interest to my account, Monterey Financial Services failed to disclose any interest and fees they have assessed toward my debt per my debt validation request. 

Monterey Financial Services has violated the FDCPA by not disclosing the amount of interest they have assed to my account, as well as, charging interest that is not disclosed in my original contract with XXXX XXXX. I have attached a copy of my original contract from XXXX XXXX as well as all documents I have received from Monterey Financial Services for your review.
Consumer complaint received 2019-06-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (NJ)

I'm in the process of cleaning my credit and came across this account in my file. Please validation is need as I am unaware of this account. As per the fair credit reporting act please provide : 1. Copy of original contract with signature 2. Original bill with breakdowns 3. Notarized copy of the purchase of the debt 4. Copy of bond and license to collect in my state.
Consumer complaint received 2021-11-30
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 (NJ)

I went to pay for a meal the restaurant said my card was declined, but capital one said that the charge went through. I couldnt pay for my meal had to wait XXXX business days for it to clear capital one did nothing to help me as the customer so I closed all my accounts and it ruined my credit over this because I closed XXXX accounts they are supposed to support their clients
Consumer complaint received 2021-11-09
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. (MD)

My credit card company reported my balance as {$0.00}, which was correct, to experian. And then a few days later they reported my balance as {$210.00} which was false. I made a payment of {$210.00} before my closing date so that my balance would be {$0.00} on the closing date and report as such. It caused my experian fico to decrease 13 points
Consumer complaint received 2022-01-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/XXXX I received an email offer from Capital One for a 10 % rebate on XXXX purchases. On XX/XX/XXXX I made a purchase at XXXX for {$1500.00}, and the transaction posted on XX/XX/XXXX. I then subsequently paid my bill in full when my XXXX statement came. 

On XX/XX/XXXX I received an email from Capital One stating that the purchase qualifies, and I will receive the 10 % credit within 3 billing cycles ( I can provide a copy of this email ). 

I waited a few months and called on XX/XX/XXXX and was told the credit would post on XX/XX/XXXX or XX/XX/XXXX. The credit did not post so I called again today XX/XX/XXXX. After talking to a supervisor, I was transferred to a special unit that handles promotional offers. The representative then told me the credit would only be given AFTER I have taken the trip using XXXX. The trip is scheduled for XX/XX/XXXX to XXXX. She claimed this was in the small print " terms and conditions. '' However, I explained to her that I have an email from Capital One stating the 10 % statement credit would be given after 3 billing cycles from the purchase date of XX/XX/XXXX. Note on the attached documentation that no mention of having to wait until after the trip is included in the email confirmation. 

This is clearly a bait and switch promotional offer. And had I known I would be waiting for the credit until after the trip I probably would not have made the purchase in XXXX and would have waited until closer to my travel date.
Consumer complaint received 2020-06-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (NC)

Fifth Third Bank denied me to make my loan current. Made me reorganization and increased my mortgage over 30 more years. They also broke into my home at least 3 times.

There is more attached They have escalated the interest 4=5 percent. Second I was denied to make my loan current They increased my loan has been increased to be a 62 year mortgage. I believe the XXXX. employees violated truth and lending practicing I am very upset they allow people break into my home and damage my property, I should have been allowed to keep my FHA loan. I would have matured this loan in 2022. 
I believe and my feelings Truth and Lending practices have been violated. I am also concerned this broke the laws like extortion, fraud, breaking and entering. etc I wonder how many payments that Fifth third has denied excessive payments and sending checks to me that have never been cashed. It is ridiculous. 
There is no way I should still have to pay them for 34 more years. I haven't even able to pay my loan and haven't even paid 50 % loan after 28 years. 
I also believe these employees and goals were to force me to change my mortgage from the FHA XXXX XXXX XXXX XXXX  was paid 2 {$800.00} payments and they never applied to my mortgage and their Manger was absolutely RUDE Second I already made payments. The bank does a horrible job accounting. They should never break into my home and demand be paid a second time {$2400.00} or they will foreclosure my property. So my payments should be probably 4-5 payments in advance I am also very concerned that their craigslist employees will try and break into my home and they will find myself in a life threatening situation Please see the attached documents I the consumer Financial Protection believes Fifth Third Bank should be sued I will be more then willing to help. 
Please only email me : XXXX or telephone Number ( XXXX XXXX XXXX. I do not want any snail mail. I was recently in the hospital for XXXX weeks and the XXXX   for four times and had XXXX XXXX XXXX. When healthy I am single and travel for business and do not want sail mail I also believe the employees names addresses city state zip and emplyee ID 's given to me
Consumer complaint received 2021-11-09
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: EQUIFAX, INC. (PA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the Original Signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
Consumer complaint received 2023-03-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (CO)

Include dates, amounts, and actions that were taken by you or the company. 

On XX/XX/XXXX, I made purchase number ORDER # XXXX at XXXX XXXX I used my Chase Credit card points to do so. I then canceled the order later that day. 

I have yet to receive my points back. The total points I am missing amount to : XXXX and on for some bizarre reason, XXXX pts. on XX/XX/XXXX. 

I spoke to both parties at least 5x each, and each blames the other. First, XXXX said refunds could take 3-5 business days. Then, when that didn't happen XXXX said wait for the billing cycle to end. Of course, THAT did not happen. So XXXX said of wait another month ( 2 months in total???? ). By now, it's been nearly three months! Meanwhile, I was also on the horn with Chase trying to resolve. Chase said I need to tell XXXX to send them back, and XXXX says Chase needs to ask for them back! 

A claims they never asked for payment bc it was canceled, so they can't give me back what they did not receive, and Chase said they sent the points immediately and as per their own policy re points, and hey did not wait for shipment like they do when they preauthorize credit. 

I have never received either the product or my points refund. 

Thank you VERY much
Consumer complaint received 2022-05-01
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

THE BURDEN OF PROOF HAS NOT BEEN ESTABLISHED YET TRANSUNION CRASHED MY SCORE FROM XXXX To XXXX ...... 
Fraudulent Account From " RISE Credit '' And It's Deragotory Reporting Has Not Been Accurately Investigated. 
I Am Already Under A " Fraud Alert. '' Precautionary Measure To Prove The Validity Of This RISE Account Has Not Been Established. 
" RISE '' CAN NOT Provide Proof Of The PREVIOUS PAYMENTS Made Starting In XXXX, XXXX, Nor Can It Provide WHICH ACCOUNT WAS USED TO MAKE THE PAYMENTS, ALONG WITH THE GIVEN DATES. 
MORE IMPORTANTLY, TRANSUNION CAN NOT PRESENT DOCUMENTATION. 
The Account Was Allegedly Opened In XXXX, XXXX. In XXXX, XXXX, This Same Account Was Reported " 30 Days '' LATE, And Even More Damaging IS NOW Being REPORTED AS A, " CHARGE OFF!!! 
A Thorough Investigation By TransUnion Would Have PREVENTED This Harmful Information From My Credit File. 
TransUnion Has A RESPONSIBILITY TO ENSURE ACCURACY, AND ABIDE BY DUE PROCESS. 
Meanwhile, I AM BEING DAMAGED BY RISE 'S FALSE REPORTING, AND TransUnion 's ACTION TO CONVEY IT.
Consumer complaint received 2022-05-01
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: Experian Information Solutions Inc. ()

n accordance with the Fair Credit Reporting act XXXX Account XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

I called Experian several times to have them update my mobile phone. On my report it always gets back to an XXXX  XXXX number ( not US ) which I had a long time ago. As the known phone kept on record is often used to cross-check identities by XXXX XXXX XXXX a wrong data may be a cause of adverse response when subscribing to online products or new card.
Consumer complaint received 2022-05-01
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: Experian Information Solutions Inc. (MT)

I contacted all three credit bureaus and notified them of false information on my credit reports. They all three have not changed this info. I have not inquired any inquiries nor have I gave any permission to run a credit check. I've called all three credit bureaus as well as wrote multiple letters with proof of identity and still not removed. I've listed below all inquiries that need to be removed. This is fraudulent inquiries. 

XXXX : XXXX XXXX XX/XX/XXXX, XXXX XX/XX/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 EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2022-04-29
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: EQUIFAX, INC. (OH)

I have an unverified account from XXXX XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX XXXX provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, XXXX XXXX XXXX XXXX and Desist all further communications and collection actives and provide the verification of the purported debt.
Consumer complaint received 2021-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (UT)

I have been locked out of Equifax for over 4-weeks. I have called and spoken with multiple equifax representatives who have been unable to unlock my account. I have gone through their ridiculous verification process countless times.
Consumer complaint received 2021-10-25
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: World Omni Financial Corp. (FL)

After hours on the phone with Southeast Toyota Finance, a company who I leased a XXXX  from regarding how to settle a debt they suggested I needed to pay, I still am years later getting calls. 

Initially they said I owed a full amount after returning the leased car because of wear and tear. I had to spend hours proving I paid extra a month to cover that. 

It was explained that it didn't include all of it. Also that they did not get a key fob that I mailed in to the XXXX dealership. 

I had to call over and over to get a letter on their letterhead stating they DID get the fob, which they had. I could not email anyone about this of course at Southeast Toyota Finance. 

I am still getting phone calls from XXXX after they suggested a reduced payment to {$500.00} and I paid {$100.00} and processed the key fob request which should be another {$400.00}. I've spent months hearing from them. They do not have an email and the woman I discussed settling this with did not do what she said. 

I am still getting phone calls from XXXX after talking for hours with XXXX and the XXXX dealership, which faxed them information regarding the key fobs being replaced which should take down the payment {$400.00}. They had offered a cash out for {$500.00} and I payed {$100.00}. They continue to call me and they are unethical and incompetent. 

They keep calling and reporting I owe them {$270.00} but based on everything I've spent hours and hours they should be paid off. They are still trying to take advantage of me. At one point I got a letter saying they still want me to want me to send them a letter on XXXXXXXX XXXX letter head. This is fraud. They need to be investigated. Mostly though they make it impossible to really communicate and they don't follow through after you are on hold for hours.
Consumer complaint received 2020-01-27
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: EQUIFAX, INC. (AR)

I was informed by my banker ( for 20 years ) that I was not approved for a home equity loan because of derogatory items on my credit. After I pulled my credit report for myself, I noticed unknown, suspicious accounts. Please remove these fraudulent accounts. XXXX XXXX {$190000.00} XXXX XXXX XXXX XXXX {$28000.00} XXXX XXXX XXXX  XXXX {$21000.00} XXXX XXXX XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX XXXX  XXXX {$170.00} XXXX XXXX XXXX XXXX {$780.00} XXXX XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX XXXX XXXX {$1700.00} Please remove these fraudulent inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-06
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: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I obtain a copy of my Consumer Report and notice that there is some inaccurate information on my report. Pursuant to section 15 USC 1681 ( a ) under the exclusion section number ( b ) states that anything that is extended or authorize from a credit card should be excluded from the consumer report. According to definition Section 15 USC 1602 ( i ), the term of a credit card means, any card plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on a credit.

This is meaning that a credit card from a bank is not allowed on my report, and that not what I mean by a credit card and they are illegally reporting to my consumer report. According to 15 USC 1681 ( a ) section ( e ) such information shall not include specific factual information on a consumer 's credit record obtai
ned directly from a creditor of the Consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

I have been hurt being that I am being falsely accused for an account that is inaccurate on my report, I am a XXXX XXXX trying to get a house and car for my daughter and family and this is weighting very heavy on my future as of now and I'm begging and pleading for help from someone that can help my daughter and I so I can be successful and living comfortably.
Consumer complaint received 2022-01-14
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P. (SC)

LVNV Funding has a XXXX XXXX account they are contacting me about. I previously had a payment arrangement set up with them, but have since stopped it. When I made contact with LVNV Funding on/around XX/XX/21, I asked them to cease telephone contact with me. Instead, they placed it with another company called XXXX XXXX and they continue to harass me via phone contact. Due to violations of the FDCPA and the abusive practices LVNV has taken to collect this debt, I request this account be removed from my credit report immediately. I plan to contact XXXX XXXX should we not reach this resolution.
Consumer complaint received 2021-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (CA)

I had received a called from Chase Credit Card department regarding my two credit cards, that my payment was due back in XX/XX/2020. The employee took my payment over the phone and she told me that she will enroll me in auto pay. 

In XX/XX/2020 I get another phone call, and my wife assisted me with the call, she told them that I had been in enrolled in auto pay and why they were calling to collect the payment. When the employee check, she said that he was not enrolled in auto payment and she took the payment over the phone and she also offer to enroll him in auto pay. 

My wife told him that we will do it ourselves instead and we did. I called Chase XX/XX/2020 and requested for the late payment to be removed from my remove from my credit bureau. They transferred to 3 different persons and they wouldn't help me. I'm reaching out to you since they are not willing to help.
Consumer complaint received 2021-06-23
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: U.S. BANCORP (CA)

I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2022-05-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MT)

I contacted all three credit bureaus and notified them of false information on my credit reports. They all three have not changed this info. I have not inquired any inquiries nor have I gave any permission to run a credit check. I've called all three credit bureaus as well as wrote multiple letters with proof of identity and still not removed. I've listed below all inquiries that need to be removed. This is fraudulent inquiries. 

TransUnion : XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XX/XX/XXXX XXXX : XXXX XXXXXXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX bank XX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX