davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (LA)

I entered a consumer credit transaction with this organization and extended them my credit and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which constitutes fraud, the alleged interest not included in the finance charge ( sum of all charges ) Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that they claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. they have taken an unfair advantage of me as a consumer, and they should be held accountable for deceiving me and not validating the debt. They have not validated anything ; they have ruined my character and general reputation by reporting erroneous information on my consumer report and included a symbol on the contents of the envelope for the mail carrier or any person affiliated with the mail service or comes in contact with the envelope thats alleging I owe a debt. Theyve act as if they are unaware of what I am requesting or that the law does not apply to them and I've included evidence and proof, pursuant to federal law with facts that prove that the law does apply to them and that they must adhere to them. They have not provided me with any original documents, and they have disregarded the law by saying, they do not have to provide me with anything except billing statements or applications, which is not proof of validation or proof that I owe anything. They are also claiming that they must report information to the credit bureaus, however cfpb handbook 3.1.1 furnishers incentives and decentives states- reporting to credit bureaus and other consumer agencies by creditors is voluntary and historically has been. Furnishers have multiple incentives to contribute data to NCRA one of which is for borrowers to make timely repayments. Their willful non-compliance has damaged my reputation as well as my credit file.
Consumer complaint received 2020-08-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Performance Management, LLC (PA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. 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 contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2018-09-24
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: TD BANK US HOLDING COMPANY (FL)

I had a TD Business Visa card. I canceled it on Monday XX/XX/XXXX. Prior to this I received a letter in XXXX stating that they have been trying to call me to no avail. ( I have received 3 more letters like this ) I was on vacation and there was no message on my telephone upon return. I look on line to see my balance and wonder what they're calling about because I really don't use the card and was planning to cancel it. To my amazement there are charges of almost $ 50K on the card including on XX/XX/XXXX payment reversal of {$27000.00}, on XXXX {$30000.00} payment reversal XXXX payment received, XXXX payment received XXXX XXXX {$3200.00} and another charge for {$950.00}. and list goes on. I called the fraud department immediately and no one seemed to be too concerned. They said someone would get back to me in 24-48 hours. I called after 24 hours and they said 24-48 hours didn't mean days it meant business working hours 3-6 days. Then they asked me if I wanted a new card. I said no I needed to get this resolved. They said they couldn't do anything because they couldn't verify who I was and that I needed to go into a branch. They then said that they just issued 7 new cards ( This was a business account ). I went crazy and ran down to the branch. The customer service rep at the bank could not believe they sent me there and I had her call the fraud line and she couldn't believe what they were telling us. I asked that they cancel all cards and put a freeze on the account ( which they had told me they had done when I called twice before ) as long a I would get something in writing. Today I receive two letters one dated XX/XX/XXXX that said account closed and cut up card but I am still responsible for account balance and future charges. The other letter I received today ( XX/XX/XXXX ) says that I agreed to use the TD Credit card in compliance with ... Unfortunately they're revoking my charging privileges effective immediately for failure to comply.Signed by a senior vice president and then it says this is an attempt to collect a debt. Please help me. My husband and I are upstanding members of the community with a FICO of over 800. The last thing I remeber doing is requesting a credit which I received and when I wanted to cancel they mentioned that I had points and I should use them before I cancel the card. 
Another strange thing happened. I received a call from XXXX asking if I had requested a credit card be delivered to a XXXX XXXX in XXXX XXXX Florida. I said why would I do that? The person said that was why she was calling. Shocked I didn't ask for name incident number. I asked what credit card it was and she said she could not tell me and she would notify the issuer. I do not know if this was ever done, which card was it also part of the scam?
Consumer complaint received 2021-07-20
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. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2017-10-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (KY)

I applied for a modification on my mortgage almost XXXX  months ago and my mortgage company has not provided me with a decision. When I check the status on their website, it states that they have sent a letter requesting additional information, however they did not. There are no messages on their website advising what this 'additional information ' is either. I sent them everything they originally asked for. We are a single income family with small children and are struggling to keep up with the steadily increasing interest/payment on this ARM loan. They have refused to work with us on refinancing to a fixed rate. This company is a predatory lender and does not want to help it 's customers keep their homes.
Consumer complaint received 2020-10-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (CA)

Synchrony bank, the issuer of the Amazon Store Card does not make statements clear to determine the minimum payment needed to avoid interest. I called after the XXXX statement was released to ask for the amount as the statement itself does not make it clear. The service representative responded with an amount of which I paid. Checking the latest statement, I was still charged interest on a balance which I am unable to calculate with the information provided in the statement. This is the 3rd time this has occurred where I have paid off any non-promotional balances and still have been charged interest. Both times in the past I have called the customer service center and they reluctantly refunded the interest charge after a long and rude conversation from the rep with no actual explanation of how they arrived at the supposed balance to which interest was applied. It is my belief that Synchrony bank is conducting business in a manner which incorrectly charges interest to customers in the hopes that we will not want to deal with the hassle of dealing with customer service and just pay the interest. I pay any non-promotional balances every month for this card without fail and I am still being charged interest. Please advise.
Consumer complaint received 2020-10-13
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Mercedes Benz Financial Services (PA)

I leased a XXXX  XXXX from XXXX XXXX  pa Mercedes Benz the second day Im having issues I took it to the dealer for repairs 2 times Im still having the same issues. I contact Mercedes Benz customer service theres no help Im thinking of hiring a lemon law lawyer if this issue not resolved I requested from Mercedes Benz customer service to exchange the car or refund they ignored my request the car has only 500 miles on it
Consumer complaint received 2018-09-24
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (MS)

I completed a rehabilitation program with Navient and had no contact with them until XXXX or XX/XX/XXXX. I asked for a hardship and explained to the rep that I was seeking employment that would help me pay my student loan back. When I called back in XX/XX/XXXX to inquire about the hardship deferment i was told that my account was to XXXX. I asked XXXX when the account was transferred and was told XX/XX/XXXX. At this point XXXX said I am in permanent default. 

Navient did not inform me that i did not have time to get a particular job. Nor that I was facing forever default. After the rehabilitation was over I was disregarded and moved on to another piles to be financial ruin. I had contact with Naivient while XXXX says that the account was with them. Please help!
Consumer complaint received 2018-09-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (NM)

I am attaching a chat transcript of my efforts to resolve the situation. 
I signed up for XXXX XXXX American Express card in XX/XX/XXXX. The promotion offered XXXX point with the possibility of earning another XXXX points if I used the card to make qualifying purchases in a certain period of time. On XX/XX/XXXX I first inquired as to why I had not yet earned the points. I was told to check back later. In the chat session I was told that I had indeed qualified for the points. Weeks passed, still no points. I inquired again only to be told that a formal investigation had not been opened. Weeks passed again, still no points. I contacted them again on XX/XX/XXXX and got the same promise and to check back in exactly 7 days. 

This seems like a bait and switch to me. I have no balance on the card. I have paid it off every month after making purchases. I think I have waited long enough for it to be resolved.
Consumer complaint received 2020-10-23
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 (TX)

I never signed for this mortgage. I was XXXX XXXX military when the loan was done and was not present or even in the state at the signing. I did not give authorization for anyone to put me on the loan. The loan documents clearly show that I did not sign. I am not XXXX XXXX. I am XXXX XXXX XXXX. Furthermore. XXXX XXXX, the sole Mortgager, has acknowledged that she was the only XXXX on the documents and that XXXX XXXX was added months later without her acknowledgement or permission. It looks as if someone added XXXX XXXX afterwards with a different date. Its completely fraudulent.
Consumer complaint received 2020-10-23
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (OH)

XXXX I got behind on my mortgage by {$2800.00}. I asked the mortgage company, XXXX, if I could make payments, and they turned me down. I got calls from lawyer 's offering me to help me get a loan modification. I chose XXXX XXXX out of Florida. I finally sent in all of the information they requested, along with {$2800.00} and, they began to work, I think. After a few months, I received a call from XXXX stating that the loan company accepted the loan modification application. Since the loan company wasn't accepting any payments from me until the @ XXXX dollars was paid in full, months had passed. In another month or two, I received a letter from XXXX XXXX stating that the loan modification did not go through ; no phone call this time. More months had already passed. I got a notification of foreclosure and filed for Chapter XXXX bankruptcy in XXXX. I have been paying on the bankruptcy for four years, and still haven't paid off the delinquent amount, although I have paid to date {$79.00} XXXX. My bills, including the arrears of {$19000.00} were {$68000.00}. My concern is that the mortgage company, Freedom Mortgage, who obtained my contract from XXXX, has placed me on a variable rate loan. When I entered the bankruptcy, I was in a fixed rate loan. I did not authorize, or sign any paperwork changing my rate from fixed to variable. Freedom Mortgage raised my mortgage {$840.00}. My payments were {$850.00} going in, until recently, my payments were {$1600.00}. I received a letter stating that the mortgage has been reduced to {$1000.00}. Is it supposed to just change without my consent? I think once the bankruptcy is over, I will lose the house that I have tried so very hard to keep. Thank you.
Consumer complaint received 2023-03-24
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. (MS)

In accordance 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. 
XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may 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.
Consumer complaint received 2020-07-10
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. (NC)

On or about XX/XX/20 I contacted XXXX XXXX to enroll in their program to transition my balance to an installment loan. The Covid 19 pandemic made it impossible to pay the entire balance off, due to my business being temporarily closed. The agreement that was made stated that the balance would be paid over 3 years at {$440.00} per  month. This amount includes an agreed upon interest rate that is according to the fair market conditions. I specifically asked if this would be reflected in my credit report and was told that the payments and balance would reflect on my report ( s ). 
On XX/XX/20 I applied for a rental lease agreement and was denied specifically for a large collection account from XXXX XXXX. Unbeknownst to me XXXX XXXX had turned my account into a collection and not applied the two payments I had made according to the new agreement. 
XXXX XXXX is charging off my account and then accepting payments on the balance with interest, and NOT reporting this to my reports. This is fraud in my opinion. Please investigate this, I am in dire need of help. I can not rent with this on my report and my be homeless in 6 weeks. PLEASE HELP.
Consumer complaint received 2023-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : 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
Consumer complaint received 2020-07-10
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 — Investigation took more than 30 days
Company: Diversified Adjustment Service, Inc. (GA)

I am a victim of id theft, I have disputed several of my accounts with the credit bureaus, XXXX, XXXX  and XXXX, I have requested that they prove these accounts are mine, I asked for contracts with my signature on it, etc. The would simple respond that I need to contact them furnisher directly etc. They asked me to provide police report etc, First off I am a XXXX man in America. I am not going to the police to report anything, I tried to get a police report done online but my local police does not allow that. I am asking you to get involved because the credit bureaus seems to side with debt collectors. Further more I asked the credit bureaus to correct my reports due to the fact that XXXX   would delete a certain account on my file but transunion will say they verified the account. so my profile is not accurate due to the fact that they are not reporting correct information.
Consumer complaint received 2023-01-09
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: LDF Holdings, LLC (OR)

I had been in an incredibly tight situation where I applied for a loan of {$500.00}, and I received a statement stating that I would have a loan with an APR of around 39 percent. I thought that was fine because my credit is terrible, but I couldnt download the PDF, but it didnt matter because I was in a state of urgency to cover unexpected expenses. 

I saw that my total cost for the loan would be {$1000.00} and some odd change. I however, on signing, could not log into my account for two days, could not verify anything, tried to correct an incorrect payment date on the email I received and on logging back in, I saw that the loan amount was for {$3200.00} and the APR skyrocketed to 762 % I tried to correct this, I looked into them on the XXXX XXXX XXXX, and every response theyve given to anyone complaining about their experience has been about how theyre on tribal grounds and thus exempt from the surrounding laws and cant be touched. They tore XXXX XXXX XXXX from me and I cant get it back, I managed to block their payments after they were eating the entirety of my weekly paychecks as XXXX XXXX XXXX but it still got so much that I havent been able to pay rent for the past two months I want to go through and find a way to make sure they can never do this to anyone else and this complaint is one of the ways Im trying to do exactly that
Consumer complaint received 2020-10-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (TX)

i have had an account with coinbase.com since XXXX and have been a great customer without issues. on XX/XX/XXXX i tried to purchase some virtual account with my account, then i got an error that my account has been XXXX. i taught this may have been for my security but when i contacted support, i was informed that my account has been closed.

i ask the reason and they declined to give me one not even an email notice of any sort. please investigate them 1 ) the stop buy and sell orders whenever the price of virtual currencies are % 30 to the upside.

2 ) i would at least want to know why they closed my account ( i deserve to know its my account ) 3 )  They have my personal information and i want is disposed from their service.
Consumer complaint received 2021-06-28
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. (MO)

I've reported to the major credit reporting agencies that my identity was compromised and without any physical documentation in which was requested they still mis reporting these unauthorized fraudulent accounts on my credit file. I'm requesting that these accounts are removed immediately and blocked from my files. These accounts shall be removed. 

1. XXXX XXXX {$580.00} 2. XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX XXXX 7. Dept of ED/ XXXX {$3800.00} 8. Dept of ED/XXXX {$3700.00} 9. Dept of ED/ XXXX {$2200.00} 10. Dept of ED/ XXXX {$1800.00}
Consumer complaint received 2020-10-13
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (NV)

XX/XX/2020 On XX/XX/XXXX I received a phone call from Hyundia Motor Finance about billing, during the conversation I asked what is needed today to bring the account current, I also advised the customer service representative that I was very concerned about any late payment applied to my credit report. I was told if you make a payment today in the amount {$460.00} plus a processing of {$7.00} NOTHING will be reported to your credit report, she continued to say all calls are recorded as verification therefore, I agreed. A payment was made at the time of the call. ( Hyundai Motor Corp sent me a letter for payment confirmation ) Five days later I get a notice from all Reporting Agencies / Late payment ( s ) reported by Hyundai Motor Corp.

I followed up with Hyundai Motor Corp. with a letter addressing this issue, no response back, now they sent it to collections.