davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

Capital One violated my rights by closing my two accounts under the Uniform Commercial Code ( UCC ) adopted in every state. This is " colorable law '', used in all of the courts of the nation. By closing my accounts Capital One as violated numerous statues UCC 3-104, 3-603, 3-419, 1-308 and HJR 192. 
Since 1933 when the government went bankrupt " Every provision contained in or made with respect to any obligation which purports to give the oblige a right to require payment in gold or a particular kind of coin or currency, or in any amount of money of the United States measured thereby, is declared to be against public policy, and no such provision shall be contained in or made with respect to any obligation hereafter incurred. Every obligation, heretofore or hereafter incurred, whether or not any such provisions is contained therein or made with respect thereto, shall be discharged upon payment, dollar for dollar, in any such coin or currency which at the time of payment is legal tender for public and private debts. '' Since there is no lawful money, the government gave me the benefits to discharge debt. Under UCC 1-308, I reserve my rights, without prejudice. My prepaid coupon presentment is a negotiable instrument.
Consumer complaint received 2020-01-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (AL)

I XXXX XXXX applied for a modification package a year and a half ago and PHH mortgage services is tell me I no longer qualify for modification because they found a title issue. I talked to several ppl from over seas and couldn't find out what was the issue was until 3 days before XXXX. I went to the state department several times trying to figure out whats was going on. I finally found out from one of PHh representatives that USDA had a hold on that was never turned in to XXXX county but there was no liens or 2nd mortgage on the property. PHh sent me a package and asked me to reapply which I did and now the are threading to foreclose on my property or pay PHh XXXX dollars when the set my payments at the trial for XXXX dollars and every time I called PHH the would tell me they are merging and just continue making payments. I never heard from my case manager XXXX XXXX until last Friday and he stated that he has over 100 cases and he cant talk to everybody and his phone line is not working. PHH is a fraud and they are trying to take a lot of people homes. Please go on PHH reviews and you will see the are a fraud. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (OR)

The company holding my mortgage is Select Portfolio Servicing , inc . 

My mortgage payment amount will be increased in XXXX due to increases in property taxes and homeowner insurance. Hence, there will be a future shortage in my Escrow account for XXXX. 

I want to make the additional payment for the shortage for the upcoming year, but the company refused to give me that option. They are going to increase my Escrow payment instead of giving me an option to pay for the difference. 

I tried to call them, but they kept telling me no and that I could not pay for the difference. Other mortgage companies always give me the option to either pay or add to my mortgage, but this is the first company that never gives me the option. I want to keep my mortgage the same by paying the difference instead of adding on the mortgage.
Consumer complaint received 2021-09-02
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. (OH)

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Some unknown person open up accounts in my name without my permission.. such as XXXX XXXX XXXX XXXX/CHARGEOFF AND XXXX  and the XXXX  XXXX. Please block and remove this information from my credit report, according to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. A copy of my Identity Theft Report and proof of my identity. A copy of section 605B of the Fair Credit Reporting Act requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter and await your reply. Sincerely, XXXX XXXX
Consumer complaint received 2022-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is not a 3rd party! Under the Health Insurance Portability and Accountability Act of 1996 ( HIPAA ). I reserve the right to protect the privacy of my personal information and medical records from all third party reporting agencies. Please review attachments!

In fact, this account Date of Activity is different on all 3 consumer reporting agencies. So, not only is this account a violation but its also inaccurate.
Consumer complaint received 2022-09-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

These errors where sent on numerous of times and nothing has been done. I have sent letters to each company as well and nothing was even responded to. I have to seek and go the legal right I will. I have been reaching out for 6 months now. Also I sent a complaint through here On XX/XX/2022.
Consumer complaint received 2022-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES TRANSUNION, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS XXXX XXXX, XXXX XXXX XXXX AND XXXX XXXX XXXXXXXXON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form SSA-89 from XXXX, XXXXXXXX XXXX XXXX XXXX XXXX WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT WHDEN AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL XXXX!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.
Consumer complaint received 2021-03-02
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: JPMORGAN CHASE & CO. (CA)

Chase Bank is running a credit card scam in which they offer a promotion, in this case XXXX bonus points worth {$750.00}, if a business applies for their credit card in this case a Chase XXXX XXXX XXXX credit card. 

After the customer applies for the card, Chase sets the limit below the amount required to qualify for the promotion, making it difficult or impossible to get the promotion. 

It is a fraudulent scam by Chase. If 1 million people apply for this promo this represents up to a {$750.00} XXXX fraud.
Consumer complaint received 2018-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (NY)

Last fall, following the widely publicized Equifax data breach, I checked the social security numbers for myself and four dependents ( spouse + XXXX children ) and submitted applications after the Equifax check tool confirmed we had been exposed. On XX/XX/XXXX, I received five emails with links and immediately set up five TrustedID  accounts for the purpose of monitoring our credit for the ensuing 12 ( maybe 24? ) month period, as promised and mandated. Or so I thought. After roughly six months of hearing nothing, for anyone, I became concerned as several credit card accounts have been opened ( and some closed ) during this period, and we should have been notified of the same if we were in fact being monitored. I must have spoken with 5 or 6 different representatives from Equifax at this point ( including an unsuccessful attempt to speak with XXXX who called on XX/XX/XXXX following very poor survey feedback that I sent in after being requested to do so, and the last of which was a supervisor named XXXX XXXX, and then an extremely rude floor supervisor named XXXX/employee #  XXXX, would not give full name ), none of whom were helpful or had a solution ... or cared, really. They claimed that none of the accounts were in fact set up, and stated that the TrustedID program is no longer in effect ( not sure how the former could be the case based on the emails, which were also sent to them, and how the latter could be true as the monitoring was to continue for at least 1 year and the program did not begin until last fall at the earliest ). They said I could " purchase '' identity protection with one of their other programs, or put a credit freeze on the accounts neither of which was the purpose for which I was calling, to exercise the right to the service to which we were wholly entitled. So, having exhausted my options with Equifax, I have now made a formal appeal to you on our collective behalf in an effort to help resolve this long-running issue with Equifax. I am sure we are not the only ones in this situation. Thank you in advance for your consideration and assistance.
Consumer complaint received 2020-07-18
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. (GA)

I contacted XXXX XXXX XXXX in XX/XX/2020 as a result of the COVID-19 pandemic. I was granted an extension for the installment dates of XXXX, XXXX, XX/XX/2020 after answering qualifying questions for the COVID-19 payment assistance program. At the time the extension was granted disclosures were read by the XXXX representative explaining the account would not accrue any additional interest as a result of the deferment, and I verbally agreed to this change. 

As of XX/XX/2020 my credit report reflects the following, Collateral - Deferred to XXXX Remarks - payment deferred Payment History - XXXX 2020 - NR Date of last payment XX/XX/2020 As a result of his verbiage on my bureau, on XX/XX/2020 I received notification from another creditor XXXXXXXX XXXX XXXX that due to a drop in my credit score my line of credit has been reduced from {$6000.00} to {$4500.00}. After escalating my concern to the DIrector of Credit at  XXXX, I now understand my credit line was dropped due to this indicator, not due to a reduction in my credit score. Additionally the utilization rate on this card now reflects higher, resulting in a decrease to my credit score. 

XXXX XXXX XXXX granted this extension and disclosed everything except the fact that these remarks would reflect on my credit report. They did not disclose to me that this would reflect as a risk indicator on my credit report to other creditors that I was experiencing a financial hardship. My loan is currently paid up to date. The XX/XX/2020 installment was paid prior to the due date. I am currently not in a hardship. XXXX did not explain or disclose to me that there would be potential adverse activity to my credit as a result of granting this extension. It was supposed to allow me time to defer my loan payments without penalty. I have been penalized by utilizing this remedy offered by XXXX that was supposed to prevent a negative report on my credit for these months. XXXX did not give me the opportunity to decide if I wanted to accept the deferment provided this would cause adverse activity to my credit. I would have resumed payments without a 90 day deferment provided XXXX given me full disclosure how this would effect my credit report. This is not a fair or accurate record of my credit with XXXX XXXX XXXX and is a violation of the FCRA. 

I have reached out to Chase Auto Finance and called the Credit Dispute Processing Department XXXX and my request to adjust the verbiage on my bureau was denied by the representative I spoke to. He refused to give me the name of a party to escalate my concern to and advised I needed to speak to XXXX XXXX XXXX.
Consumer complaint received 2018-06-25
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: Experian Information Solutions Inc. (FL)

My XXXX student loans has never been late. They are currently in deferment but they are being report late. I contacted all three credit bureaus on XX/XX/XXXX to dispute the information. It was updated on XX/XX/XXXX but still reflecting late payments. I called XXXX on XX/XX/XXXX and they referred me back to the credit bureaus. I sent out 609 letters on XX/XX/XXXX. I need this corrected ASAP as I am applying for an apartment on XX/XX/XXXX.
Consumer complaint received 2018-06-25
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc. (NY)

I lost my job in XX/XX/2016 there I tried to lower my loan. I then discover that the loan was a simple interest. Because after paying XXXX my amount never went down. The car was repo in XXXX and sold and two this date it is appearing as if I have the car and my payments are late. Please help.
Consumer complaint received 2018-02-25
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AES/PHEAA (PA)

I have reason to believe that AES/PHEAA is not allocating payments fairly with respect to current legislation for Student Loan lender laws either Federally or by State. AES/PHEAA is growing to be an increasing problem for many borrowers. While they maintain they are just following protocol, they are engaging in illegal practices by only applying small figures of a total Payment to loans in their favor. Should they disagree with this analysis, I am challenging AES/PHEAA to send a copy of all financial transactions in the last 6 months for where any partial part of a total payment was applied. For historical accuracy, AES/PHEAA should provide a detailed breakdown of what exact amounts were applied to what Loan account.
Consumer complaint received 2022-09-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (IL)

I sold a kitchen set on XXXX XXXX. I received a offer to purchase it. The person asked me if they could pay me with Zelle. I said yes so the purchase price was {$320.00}. I gave them my information meaning my name and my email address which is related to my Zelle account at XXXX bank. The buyer told me to check my email to verify that I got an email from XXXX regarding the money was sent. I checked my email and I saw an email from Cell saying that {$320.00} was sent but was not able to be deposited because I needed a business account and in order to open a business Account I needed a minimum of a {$720.00} transaction. The emails said that the buyer would have to send me an additional {$400.00} to make a minimum of a {$720.00} transaction to open a business account. The buyer then messaged me again that they got the same email and were reluctant to send another XXXX because they didn't know me. They said they would be willing to send the other XXXX if I gave them their word that they would refund it to me as soon as I received it. The buyer then told me they sent the other XXXX and I should've received an email stating so. They told me to check my email again which I did and the email which appeared from XXXX told me that there was {$720.00} available for me and needed to be released from my buyer in order to open the business account and receive my money. The buyer said they also received the same email and said before they would release the money to me they wanted to make sure they got their XXXX back. So I sent them {$400.00} which they said they never received. And consequently there was never a release of the money of XXXX to my account. The XXXX was withdrawn from my account via Zelle so I know they received it. They then proceeded to send me another email from XXXX telling me that I needed to buy a license for XXXX. That is when I put the brakes on and figured that it was a scam. The money was sent via Zelle to XXXX XXXX with email address XXXX. It was noted as XXXX transaction number XXXX. This all took place on XX/XX/2022. PLEASE NOTE MY EMAIL RELATED TO MY CHASE ACCOUNT IS XXXX XXXX
Consumer complaint received 2022-09-12
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: Experian Information Solutions Inc. (NY)

Please review my attachments, this is not a 3rd party. 

XXXX XXXX XXXX  is reporting inaccurate information and in violation of several laws under the FCRA.
Consumer complaint received 2022-09-12
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. (NY)

Please review my attachments, this is not a 3rd party. 

XXXX XXXX XXXX is reporting inaccurate information and in violation of several laws under the FCRA.
Consumer complaint received 2018-06-25
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Amscot Corporation (FL)

I took out a payday loan with Amscot For {$500.00} plus XXXX in fees on XX/XX/XXXX. Because it was less than seven days until my next pay period, my due date was for XX/XX/XXXX. I called on XX/XX/XXXX and sought help for repayment of this loan. I have borrowed from this XXXX off and on over the past few years and never had a problem repaying the loan, unfortunately within the past month I had suffered some financial set backs. At the lime I requested help on the XX/XX/XXXX the only thing that was offered to me was until the XX/XX/XXXX as  they could not hold my check more than 31 days. I accepted this at face value and tried to figure out a way to come up with the funds, but was unable to. I called today one day before the loan came due tomorrow, and asked If I could please be helped with an extended payment plan. I was told no, because they had already helped me, and I didn't qualify for an extended payment plan anymore. I advised I had {$3.00} In my bank account if they deposit the check it will bounce, wasn't there something they could please do. I want to pay the loan back, I always have and never before asked for help on repayment. XXXX then told me that once the check bounced then possibly they could make some kind of arrangement with me. How is costing me {$60.00} or more dollars helping me? Plus I have never had a bounced check with this account. I am a XXXX year old female that works hard. I was not told by them at the time I asked for help In the first place that there was a 60 day grace period if credit counseling was scheduled etc. per the State of Florida, I just read about this today, as I am so desperate I just started searching for help. Why did they not inform me of this the first time I asked for help, why must I bounce a check to get help, I feel that this was deceptive on their part? I have until tomorrow before they deposit same. Could I please get some Intervention so I can remedy this without it costing me even more money, and my reputation with my bank.

Pease help.
Consumer complaint received 2022-09-12
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: MUSA Holdings, LLC (FL)

I XXXX XXXX is requesting a validation of debt. According to 15 u.s.c 1692g I have the right to know the total debt amount ; including any and all fees, and whos the original party making the claim.
Consumer complaint received 2021-03-02
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: GOLDMAN SACHS BANK USA (TX)

This is my SECOND COMPLAINT AGAINST APPLE FOR THE WAY THEY DO BUSINESS.

I had a merchant XXXX refund me on a random card, which was the Apple Card.

The original transaction never came from my Apple credit card. The amount was XXXX. 




Apple decided to TAKE - {$1.00} cash back! As if the Original transaction came from this card, And Ive been chatting, on the phone with apple go get this credit balance sent via check, Apple Cash.

They all refuse to help me. I hate this card so much and I will never ever recommend it. What a XXXX nightmare. 

SEND ME MY {$120.00}!!!!!!!!!!