davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group (TX)

CKS and Velocity Asset Management have been so difficult to get this fraudulent account out of my credit. I called the phone number listed on this collection report Velicity gave me a phone number saying my account was being managed by some other company. I called the company they told me to call another company at this number who they claim is managing my account. I called XXXX per CKS and velicities request. I have been in 8 different phone calls today on the XXXX of XXXX with both entities. They record phone calls Im sure they can hear every conversation. They told me they dont have any accounts under my name social or anything of that sort. I called CKS back and they kept telling me to call back that company. I called them back they told me no account here sir. I NEED CKS to stop being scams and frauds. I didnt open this account this account is fraudulent. I never opened this account and Im providing with a police report here as well so they can view the scams that they are. DID CKS USE MY INFO? Cause who else did? This is not my debt and I wont stop until the person who did this is being held accountable. The credit card they even mentioned I have never even heard of such credit card in my life. Besides I have out of the country since 2021 most the time cause I was touring in XXXX. I sing for XXXX XXXX and I got millions of streams. I have been public figure for 10 years of my life but never thought anything like this could ever happen to me. 

I do not own this account and I need this account removed. I wont get any resolution speaking to them directly. Im in a huge state of XXXX cause of this. Im under so much stress cause of this I cant even type properly. Why would they do this to someone like me?
Consumer complaint received 2022-08-08
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (NC)

I re-titled the car from Florida to North Carolina. When I did I had to pay {$56.00} in charges to North Carolina that were Chase 's responsibility. I contacted them for months to get the money back. They finally sent me a check which was returned. I was charged {$15.00} by my bank for a bad check charge and I have called Chase multiple times about this. I was told last Monday by a Chase supervisor that I am apparently not the only one. There are a large number of these " bad '' checks.
Consumer complaint received 2015-06-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I went into forclosure in XXXX with bank of america and received a loan modification in XXXX. I paid on it for almost XXXX years on time and correct amount. Bank of america did not apply the funds correctly to my account even though they had the correct loan number address and my phone number and lawyers number. They sent my payment back to me in XXXX XXXX claiming i had not been paying the full amount on the contract when I did follow their contract they wrote.. They put me again in forclosure. I got another lawyer and bank of america forced me under duress of losing my house into another modify with terms unlivable. They also charged me {$28000.00} in interest penalties late charges etc. I found out that they resended the XXXX modify because they claim they were not the investors in the XXXX modify. I have a hard time believing that because I have payed my mortgage to them since XXXX. I need help they are ripping me off.
Consumer complaint received 2024-03-07
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CCF Intermediate Holdings LLC (CA)

On XX/XX/2024 I advised titlemax that they need to stop there harassment and threatening tactics in collect a debt owed on an auto loan. I advised I was unable to pay and on a recorded line I was told that I had no right to stop communication from them and they would call as much as they wanted and as frequently as they want with absolutely no consequence. And they were going to make me pay this debt back. This has to be illegal and highly unprofessional at least a violation of my consumer rights
Consumer complaint received 2023-08-05
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: BARCLAYS BANK DELAWARE (FL)

XXXX a charge was made on my carnival Barclay card from XXXX XXXX for {$1100.00}. This was for XXXX XXXX luggage. I received a box and didnt open the box because from what I was supposed to get was luggage double the size of the box. I emailed the company XXXX asking for an address to return the package. Im the email I got it was missing a zip code. I emailed for months trying to get this information and no one would reply to I just returned the package to shipper then notified the guy. I then got a response but it was too late. I called XXXX to find out if they still had the package so I could change the address since the return to shipper address was different but XXXX said since I refused the package I could no longer receive the package back or make any changes since I was not the shipper. I emailed XXXX letting him know & I forwarded the email I received from XXXX. He still said I needed to retrieve the package even after the email said since I refused the package the shipper would have to notify XXXX. I then disputed the charge with Barclay which was my credit card company. I said I am not paying for something I didnt receive. Barclay said they would investigate. I then got a letter XXXX stating I am responsible to pay the charge since the return happened outside of the return date. Which was not my fault that the shipper didnt get back in touch with me with his zip code. I then stopped paying my credit card. XXXX they tried getting in touch with me through email to make a payment plan. I replied as long as they will removed that charge I will pay & I want in writing that they will remove that charge & remove I was delinquent in my payments. They said they couldnt do that so I said Im not paying since either way it will affect my credit. Now I am trying to get a government job and they ran my financial background and I didnt get the job because of this. I tried working with Barclay but they didnt want to do anything for me. How can I pay them if I cant work.
Consumer complaint received 2015-05-20
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (CA)

On or around XXXX XXXX, XXXX I received an alert ( XXXX ) from XXXX in the form of account change. Log on to each bureau and notice it was multiple late payments appearing that was n't the prior to XXXX XXXX in which I only had XXXX 30 day late from SantanderXX/XX/XXXX. Previous I had XXXX 30 day late payments of XXXX and XXXX, which I had received XXXX 2 month deferrments XX/XX/XXXX and XX/XX/XXXX XXXX. I disputed the XXXX XXXX late and it was removed, later I disputed the XXXX late payment in XXXX of XXXX and received a late for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as a result of disputed a XXXX of XXXX. I do have documents if needed.
Consumer complaint received 2021-03-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (CA)

JP Morgan Chase continue to charge annual fee for multiple years while the credit card was not longer used and inactive for multiple years. I requested the refund of the annual fee for the last two years and was denied. Typically credit card was suspended automatically due to inactivity. But Chase kept the credit card active on my account for the sole purpose of charging annual fee while my other inactive card were cancelled automatically. This is a predatory business practice solely for the financial gains of Chase. I wonder how many consumers were defrauded by chase with similar criminal practices. 

I need full refund of annual fees for the last few years.
Consumer complaint received 2020-09-09
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: Experian Information Solutions Inc. (CA)

This is my second complaint against the credit bureaus. Now they are asking for proof of who I am so I am sending it. I feel they are stalling and trying to by time I have attached my lease agreement and SSN card that should be proof enough.
Consumer complaint received 2021-04-28
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CMG MORTGAGE, INC (AL)

CMG Financial makes repeated false claims about the ability to change the due dates in order to bring our account current. The most recent event, on XX/XX/2021 at XXXX EST, we spoke with CMG financial regarding a past due payment of {$1100.00} and late fee of {$41.00} we incurred for being past due on XX/XX/2021. The male agent we spoke with explicitly told us CMG Financial would move our due date up to the XXXX of every month in order to line up with our pay cycles only after we paid the late fee and brought current the past due balance for {$1200.00}. We honored our side of this arrangement and paid the {$1200.00} to bring the account current so they could execute the due date change. This billing cycle we were hit with a late fee again as a result of our due date never actually being changed despite bringing our account current. We reached back out to CMG Financial on XX/XX/XXXX at XXXX EST and were told by a different agent that no such change was made and that such a request, changing our due date, is not even possible even though the agent we spoke with on XX/XX/2021 at XXXX EST not only told us it was was possible but explicitly recommended it as a solution to our pay cycle due date alignment issue. Ultimately this has resulted in late fees being incurred on our account as a result of CMG Financial deceitfully promising a due date change that never occurred.
Consumer complaint received 2015-06-22
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (NJ)

I have made principal payments to Chase which they did not apply to principal. Rather, they said they considered it " advance payments. '' I need these payments applied to principal retroactively. I have spoken to the executive branch there, have been promised return calls but have heard nothing. I need the proper principal amount as I have an ARM and my monthly payment now is being calculated on a higher principal amount.
Consumer complaint received 2021-03-26
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: Resurgent Capital Services L.P. (CA)

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 2021-03-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

PORTFOLIO RECOVERY - XXXX XXXX  Account Ending in XXXX was paid in full through negotiations with a Federal Debt Relief Program, the amount of {$3000.00} is being erroneously reported on my credit report which is keeping me from purchasing a home. The amount should be zero. I am attaching a letter in good standing with the Federal Debt Relief Program. This account is paid in full. Balance was subject to a 1099.
Consumer complaint received 2022-08-09
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. (WA)

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Consumer complaint received 2021-03-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: REGIONS FINANCIAL CORPORATION (VA)

I recently asked a mortgage company ( regions mortgage loan XXXX ) for help because my income has been greatly reduced because of illness my wife ( XXXX XXXX ) I sent six documents, including Hardship Letter, paysub, House debt, Mortgage Assistant Application, Dr.certified Illes , Medical Bill, XXXX, ( XX/XX/XXXX ). 
But today they answerd as below Current. Modification Term. 360m. 480m Payment. {$2300.00}. {$1900.00}??? 
What is this?. 
reduce {$360.00} but 10years more pay!!! 
Is this customer assistance? 
What are they assistant? 
I do not understand Ps : I do not delinquent my mortgage but they said my mortgage is seriously delinquent? 
And threat me to foreclosure my house!!!
Consumer complaint received 2021-03-26
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: NCB Management Services Inc. (CA)

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 2024-03-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: TRUIST FINANCIAL CORPORATION (MD)

Truist Bank Legal Dept. 
XXXX XXXX XXXX XXXX, VA XXXX I am filing a complaint against two employees from two different branches for denying me enrollment in ACH and wire transfer services for a business account I had opened. On XX/XX/24 I went to your XXXX branch located at XXXX XXXX XXXX, XXXX, Md. XXXX. I met with a XXXX XXXX who told me I had to wait a 30 day period or so. 

On XX/XX/24 I went to your branch located at XXXX XXXX XXXX, XXXX, Md. XXXX. I met with a XXXX XXXX. He told me I had to speak with the back office and he would contact them to give them my information to contact me. That never happened. I have come to the conclusionTruist bank does whats called PROFILING.

I feel insulted for being turned down for enrollment, for the way I look! 

On XX/XX/24 I decided to call your customer service department and they told me all I had to do is go into a branch and provide the proper ID and I can enroll in your ACH and wire transfer services. She asked about the branches I went to and I told her I went to the XXXX branch and she called the branch to inquire about who I met with and XXXX XXXX didn't remember me. I made a deposit with her as she said I needed to do. 

XXXX XXXX XXXX XXXX XXXX acct # : XXXX
Consumer complaint received 2022-07-19
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL (NJ)

Got a loan for {$13000.00} under a 0 % interest promotion from Synchrony. The promotion was represented to us as a 24 month promotion. In XXXX, after 18 months, they said we failed to pay it off within the 18 months and charged us {$5000.00}!!! Not only were the terms misrepresented to us but they also NEVER sent us account statements and NEVER even tried to notify us about thew imminent material changes to our account. We never noticed because they " encouraged '' us to set everything up for their " e-bill '' which charges your checking account directly thus negating the consumer from thinking of the account / bill and never noticing when their misrepresentations come due early. XXXX is 40 % of the original loan. THAT is loan sharking. How is that even legal?
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

I am unaware of this debt. I did not have the opportunity to dispute this debt. If you believe this is my debt, please provide me with a copy of the certified mail letter with my signature showing that I received this debt. 

In addition, during my conversation with a customer service representative, she stated that the company purchased my debt from XXXX XXXX without my authorization. I did not give this company authorization to purchase my social security number and report negative debt to the credit bureaus. Per the FCRA, it is illegal to purchase someone's social security number and use it negatively.
Consumer complaint received 2021-03-26
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: Colony Brands, Inc. (CA)

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 2023-08-12
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: EQUIFAX, INC. (FL)

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 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 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 2018-10-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: ENOVA INTERNATIONAL, INC. (CA)

XXXX XXXX violated Section 1026.18 of Regulation Z when they provided me with an amortization schedule at origination that was not reflective of the actual terms of the loan. 

XXXX XXXX disclosed a regular amortization schedule ( attached ) while in actuality they apply payments to interest first. This is a misleading and deceptive act which violates UDAPP.
Consumer complaint received 2021-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: BBVA FINANCIAL CORPORATION (TX)

I call the BBVA fraud department to inquire about my debit card not working. After verifying my Identity, I was told my accounts are frozen. 
This action is based on a report received on XXXX XX/XX/2021. They were coping my accounts. When inquired what report was and sent to them by who, they were unable to provide this information. I call CFPD and they said I have 15 days to reply to this matter. 
But no one can tell me anything about the report and or what negative items it contains. 
I have a large sum of XXXX in Savings and about XXXX in checking. I was told by the fraud that they were closing my accounts. I work with The XXXX XXXX and, I have filed a police report concerning ID theft of my identity. That report is attached.