davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: TD BANK US HOLDING COMPANY (NY)

To who it may concern at the XX/XX/2019 two days before my credit card due date i called my own credit card bank seeking for an extension of 14 days to make my payment due the government shut down but instead they help me they decided to revoke my account and closed it permanently. 
This big bank has abused their power against by closing my account with them without any valid reasons but me seek for two week extra to pay them due the government ' shutdown and totally stripped me from all points that earned from using my own hard working money. At the XX/XX/2019 i and after i made my payment of 1000 $ to them I received a letter from Td bank saying that they revoked and closed my credit card account that I had for nearly three .and I've never missed a single payment and my account always been in a good standing payment for three years .Also, they are refusing to let me used my earned points by all means please help to stand against this unfair bank who his dealt with with nothing but rudeness and unjustness every time I called them to seek for my stolen points by them and ask them for explanation why did they closed my account but they never wanted to help or answer any of my question .nevertheless, by they closing my account they hurt my credit score badly and this show the luck of fairness and professionalism. and how this big bank use us to get as much of fees and interest and after they done they just close the account but never give the fess nor the interest back to us giving the fact this credit card has charged me the last three years totally 2500 $ in fees and interest please help me the hard worker people like me to stand against them.
Consumer complaint received 2017-07-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc. (FL)

On XX/XX/XXXX, I received notice from a credit monitoring service that a collection had been added to my credit reports. I was completely unaware of the alleged debt that was originally owed to XXXX XXXX and was from a debt that is substantially past the statute of limitations in my state ( from XXXX ). The amount they claim is due is {$160.00}. I never received ANY communication from them by phone or in writing stating that I owed this debt. They just " parked '' this debt on my credit reports probably hoping I would respond. After a phone call from my husband ( I have never spoken with them in any form, and I never gave them permission to speak with my husband on my behalf, although I did hear some of the conversation, since I was in the room when he called ), they mailed me a letter ( attached ) dated XX/XX/XXXX which stated I have 30 days to dispute the debt ( a " dunning letter '' I believe ). Ironically, the dunning letter states " Your Response is Requested. '' I thought I had to be given the opportunity to respond BEFORE they report it to the credit bureaus. They also sent a " debt verification '' letter ( attached ) dated XX/XX/XXXX with a computer printout from XXXX XXXX from XXXX. Ironically their Dunning Letter states : " The records of XXXX XXXX show that your balance of {$160.00} is due in full. '' However, the debt verification printout from XXXX that they provided shows a XXXX balance ( attached ). When they spoke with my husband, he SPECIFICALLY asked them who owned this debt. They claimed XXXX owned the debt, and they were collecting on behalf of XXXX. Upon calling XXXX directly, I learned that they ( XXXX ) had sold the debt. XXXX would not give me the date ( which the do n't have to, but the debt collector is supposed to if asked ). Upon receiving their " Dunning Letter '' and " Verification Letter '', I also immediately noticed that the first name on the account was not my legal name, but a nickname. I highly doubt I ever opened an account using a nickname, which begs the question how it ended up on my credit reports at all. This company apparently has a reputation for bad business practices ( according to a number of sources ). I have SPOTLESS credit, and I do not avoid paying legitimate debts when they are presented. But parking an old debt on my credit reports while being less than truthful regarding how they acquired the debt and not giving me the opportunity to research and respond BEFORE they report it to credit bureaus is at best a bad business practice and at worst a violation of my rights under the FCRA and/or the FDCPA. I did send them a validation of debt request letter ( attached ) which they signed for onXX/XX/XXXX. They also claim on my credit reports that the debt was reported on XX/XX/XXXX. I can prove this debt was not reported to any of the credit reporting agencies as ofXX/XX/XXXX. It started reporting on XX/XX/XXXX, the day I received the credit monitoring notice.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CarMax, Inc. (AL)

These fraudulent inquiries were made without authorization, and without legitimate business purpose. Please remove these unconfirmed inquiries lacking certifiable evidence unless physically certified and verified proof is demonstrated and provided per U.S. Code 15 U.S.C. 1681 Section 604 of The Fair Credit Reporting Act. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXCarmax Auto Finance XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

This account XXXXXXXX XXXX has improper grammar it says the account is potentially negative and it says paid I'm saying that the monitoring of the account is incorrect it was paid the first XXXX years of a XXXX-year contract and a couple months was unpaid and then went into negative but the account was later paid off in the account is paid now they also settled then I paid I believe the account should say potentially settle and paid it should not say potentially negative although the town had a few months unpaid it was XXXX years pay on the same account so it's just say potentially settle and paid and if it says potentially negative and paid off it is considered incorrect grammar
Consumer complaint received 2021-10-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (CA)

I have contacted the original creditor for these accounts and explained that I have been a victim of identity theft for many years now. This has has effected my life in so many ways. i have sent in prior FTC reports showing that i was a Vitim of identity theft and these companies continue to harass via mail, by phone, and also by reporting negative and false information to the credit bureaus. I have also requested supporting documentation signed by me and there has not been any response
Consumer complaint received 2020-04-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: 21ST MORTGAGE CORP. (FL)

Good afternoon, To start I would like to summarize the issue please for clarification and so you may direct me in my goal. All we are looking for is to lower our payment to a more comfortable amount to secure our future payments. We are believing our lender gave us a predatory loan with low down payment to entrap us into a high interest mortgage XX/XX/XXXX. We received the loan from 21st. mortgage on a manufactured home. 

We have a paid off 1.47 acre plot of land in XXXX, Fl and the agreement was to use the land for the placement of the home in lieu of a larger down payment but we had to combine the land into the package!. We are looking for a way to refinance our manufactured home with FHA or lower interest 1. My current interest rate is 9 % on a {$100000.00} mortgage we are willing and able to continue but we need this debilitating interest rate to go down. 
2. I am highly convinced it was a predatory loan from the start.

3. I believe they were misleading us asking us to give our land as collateral and add it into the loan package we could get the loan for only {$500.00} down. 
( Our land value free and clear {$34000.00} at that time. ) 4 We still paid {$3500.00} ( was a hidden cost not disclosed to us until final closing days ) for the well to be completed. 
5.they made false promises to refinance and lower the interest rate after a few years. Now its 6 years 6.  They threaten to foreclose when I am 20 days late even during this Covid 19 emergency we feel is an unlawful act 7. I called and spoke with representatives behavior was belligerent, disrespectful and belittling to me. It was a great stress and left me feeling XXXX  that I may ever obtain a Humane interest rate. This leads one to believe the lender is lying in wait for you to default. 
8. I emailed them to make further arrangements and they blocked my message period. They were insisting for a call in to make a payment and again harass me ... basically.

9. I worked 30 years in XXXX, to help people. But you find little help for yourself later it seems Now  is XX/XX/XXXX and we made our XXXX payment but they are being inflexible and demanding for the XXXX mortgage by XX/XX/XXXX. 
As I felt trapped in this high interest mortgage we had no way to make an adjustment. Unless they stated " to be on time for 2 years ''. 

Any help is so appreciated Thank you
Consumer complaint received 2019-03-06
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC. (NJ)

Midland credit management this past weekend Around XXXX to XXXX contacted a third party about Me allegedly owing money to XXXX XXXX. 
The third party they contacted was never listed on the credit card or application.
Consumer complaint received 2016-11-15
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I placed a custom order with the company Excel XXXX billed on XXXX/XXXX/16 for {$260.00}. I received the items ( pins ) and they were darker than desired. I reached out to the company for a replacement/refund. I have an email/document signed from the company saying that a replacement would be sent. I opened a case with Capital One credit card to dispute the charge case XXXX. Excel XXXX sent documentation showing that I approved the order but failing to include the documentation where they agreed to process and send a replacement order.
Consumer complaint received 2024-01-27
Product: Credit reporting 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: Experian Information Solutions Inc. (OK)

I have been unable to view my current credit report since XX/XX/2023 and Ive applied for credit and the banks said theirs an error pulling the reports. Ive called experian, mailed them letters and requests disputed online and they say its not their fault and i need to contact the lenders. My other 2 reports are fine with XXXX and transaction. I dont understand the problem.
Consumer complaint received 2019-08-13
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

We received a letter dated XX/XX/2019 informing us that our mortgage servicing was transferred from Ocwen to PHH Mortgage. The letter informs us of our new method of accessing their website for information and tells us where to make our payments. The website when we try to access says it does not recognize our information. We tried to register as new users and got a message saying our information does not match any of their information and to call an 800 number. Called the number and they said they could not help us and that they would transfer us to another department, stayed on the line for 30 minutes and gave up. Called back and got the same " service '' rep and asked to be connected to a manager. She put me on hold and I waited another 45 minutes and gave up. We have received one delinquent notice, but have never received monthly billings like we did from Ocwen so we don't know the payment dates or the amounts due. 
My wife tried their telephone help line and it didn't work no matter which option she tried. Both my wife and I have worked in the banking or financial fields for over 30 years. We have never seen service like this. Close this mortgage company down and assign their mortgages to a really mortgage company.
Consumer complaint received 2020-05-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC. (CA)

I was contacted by Netcredit regarding a personal loan to help rebuild my credit. At the time I thought it was a good idea and I could handle the payments of the {$3200.00} loan. Shortly after I was laid off from my job and no longer able to make payments. I started working with a debt consolidation company and paid back about {$1500.00}. The debt consolidation company wasn't paying my bills on time so I discontinued using their service. 

Now when I look at my credit report it shows I owed over {$3000.00} and the interest is 132.99 %. I feel like this is predatory lending and they took advantage of me.
Consumer complaint received 2015-04-11
Product: Credit card — 
Issue: APR or interest rate — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I applied online for the capital one quicksilver credit card and when terms were emailed to me they were different from the website. The site stated no annual fee and 0 % interest on purchases and transfers til XXXX 2015. My card came mailed to me with NO terms with the card, that 's the first time that 's ever happened to me. I called and of course the terms were the worse terms that was emailed to me. These new terms had a {$39.00} annual fee and the 0 % apr for transfers was gone.
Consumer complaint received 2020-11-30
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: General Motors Financial Company, Inc. (TX)

On XX/XX/XXXX, I received an IRS notice XXXX for Tax Year XXXX, dated XX/XX/XXXX, that I have violated my Installment Agreement for Tax Years XXXX - XXXX, and will be charged {$210.00} for each year as penalty and terminate the Agreement. It originates from the XXXX for the amount of {$9900.00}, dated XX/XX/XXXX, provided by General Motor 's Financial/AmeriCredit Financial Services , INC, ( Same Company with two different identities ), for account # XXXX. I am complaining about all the inconsistencies beginning with the initial contract with the Financed amount of {$27000.00} on XX/XX/XXXX, the balance amount of {$28000.00} on XX/XX/XXXX, the balance amount of {$26000.00} on XX/XX/XXXX, and then the unpaid amount of {$29000.00} on XX/XX/XXXX upon being sold for {$16000.00}. I submitted a Dispute to XXXX  about the Charge Off amount, and did not received a response from either XXXX  or GM Financial. The only document I received was my copy of the XXXX for the amount of {$9900.00}, with box 6 reflecting Code G, for cancel debt, but I believe they needed to use Code C, Expired Statute of Limitation of Debt in State of Texas, due to the time frame submitted, on XX/XX/XXXX, five days to the expiration of debt. I feel the amount is not correct and done in haste. Documents provided through attachments. The numbers don't configure and to weight the outcome of the 1099-C to affect my IRS Account, would cost me dearly if the amount was not correct.
Consumer complaint received 2019-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

I recently won suit against XXXX XXXX XXXX XXXX  for Misreporting and Violating FCRA by reporting incorrect information. Account that was incorrectly reported is : XXXX Home Equity Loan # XXXX. Open : XX/XX/XXXX. I have court order that XXXX was reporting in violation of law, and that account needs to be deleted I tried to fix this issue with Experian back on XX/XX/XXXX by sending to this credit reporting agency a notice that I won the case and requested them to please BLOCK this account. I eve attached the lawsuit judgment as proof of case won. 

Please help me to block this information since its my right because I won the case and this credit bureau is still reporting this account. 

Please review the ATTACEHD LAWSUIT JUDGMENT.
Consumer complaint received 2019-08-13
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (TX)

XX/XX/XXXX moved out early and was charged {$5900.00}. After 5 years of trying to negotiate XXXX ultimately had no choice but to change the amount according to the last statement balance of {$1900.00}. 
I have been denied, charged XXXX times the deposit on various occasions. 
I asked in XXXX and XXXX to settle for $ XXXX which was denied. I had been put on hold for an hour and talked down by the receptionists. 

This was very unfair treatment. Perhaps it had to do with me being a female because a guy friend called and XXXX was willing to make a deal for $ XXXX. I declined. I am so upset at the entire situation. I had little to no choice for a good standard of living with XXXX children. Its devastating. It truly is.
Consumer complaint received 2020-10-12
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (WA)

In XXXX of XXXX, I paid a wedding videographer in full. He told me that if I paid in full, I would get a discount. He sent me an email and link to make my payment of {$1600.00} with my debit card. Shortly when the Covid hit in XXXX of XXXX, I attempted to reach out to this vendor who then beached our contract. By the name of XXXX XXXX XXXX XXXX. XXXX XXXX owner states his business is permanently closed due to bankruptcy. I have reached out more than several times to this vendor who has failed to refund me my money. I then reached out to Chase bank and filed a dispute for my debit charge in XXXX. They said it can take up to ten days to receive a response while they do a chargeback to the merchant. 

Chase bank did not notify me of the resolution and instead I called and found out that they closed the case because its 120 days past due and can no further assist me. They also told me it wouldnt be worth taking this case further such as an appeal. Chase bank said they would send me a letter in mail about my dispute resolution. I did not receive anything. 

I have called back a few times and I just get rerouted to no help. 

I want to take my case further and challenge a refund back from this merchant and I dont feel chase is helping me. All because of Covid, everything went down hill, but this money is owed back to us. 

I am not the only customer who is currently dealing with this issue.
Consumer complaint received 2023-01-11
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. (CA)

Name : XXXX XXXX XXXX XXXX. 
Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX XXXX XXXX XXXX. XXXX XXXX, Georgia XXXX SSN : XXXX Complaint : In accordance to with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX CO Account name : XXXX  XXXX CO Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX Account name XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX section XXXX A. States U have the right to privacy XXXX XXXX XXXX section XXXX A Section XXXX : It also states a Consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.