davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-22
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN HONDA FINANCE CORP (VA)

I am currently in my 3rd lease from Acura since XXXX. Since turning in my previous XXXX XXXX, this will mark the most terrible experience I have ever had with Acura/Honda vehicle purchase or leases. ( owned 3 XXXX XXXX XXXX as well ) Where do I start with this mess? 

American Honda Financial reported my credit report 30 days late, trying to collect an incorrect balance, that I believed to be taken care of during early-lease turn-in at their dealership. At first they reported a {$5000.00} payment owed and due XX/XX/XXXX, and marked my credit 30 days late ( I have never been 30 days late on any of my Acura leases ) immediately without hesitation! American Honda Financial did not apply a payment of {$2200.00}, received on XX/XX/XXXX, when I turned in the XXXX leased vehicle. The American Honda Financial REP ADMITTED fault while CORRECTING the balance to reflect the missing payment, but refused to admit fault or remove the negative remark from credit file. It seems America Honda would rather penalize my credit illegally for some ODD reason. I will never buy another Acura/Honda again if this is what " loyalty '' gets you. This has resulted in numerous calls back and forth to the Acura  dealership and America Honda Financial, while NOTHING is being done. Instead I get a simple generic response via online correspondence, instead of a phone call that I've request multiple time to discuss this IMPORTANT matter. WHERE ARE THE CORPORATE OFFICIALS? N-E-V-E-R A-G-A-I-N.
Consumer complaint received 2024-10-23
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (VA)

The reason for my complaint is that although buried in the terms for opting to use the Pay Over Time option for a large purchase is the fact that all payments over and above the calculated Interest Savings Balance are first credited against the Pay Over Time Account, this is a deceptive practice. The math for calculating the Interest Savings Balance is the following : Monthly Payment = Monthly Purchases - Pay Over Time Balance + Monthly Pay Over Time Payment. In my case I had expected a payment of approximately {$3500.00}. However, when I received my statement, my payment was approximately {$6000.00}. After studying my statement I determined the following : XXXX. I purchase a refundable XXXX ticket for {$2500.00}. 
XXXX. I could not fly as scheduled so I cancelled my flight and received a refund from XXXX in the amount of {$2500.00}. 
Chase did the following ; My Monthly Purchase included the {$2500.00} XXXX ticket. The Pay Over Time Balance was reduced by {$2500.00}, thus increasing my payment by {$2500.00}. As you can see, I purchased nothing and Chase paid out nothing, yet Chase ends up with an additional {$2500.00} this month, and the value of the Pay Over Time option was negated. 

Chase told me I should have arranged with XXXX to have the refund paid to me in some other form to avoid having my Pay Over Time balance reduced.

I was able to use other funds to pay this unexpected amount, but I am sure many people are not. This deceptive practice essentially enables Chase to move customers from the advantageous Pay Over Time option into paying the huge current interest amounts of 19.49 % on monthly outstanding credit card balances.

I see all cards now pushing this Pay Over Time concept. The reason is obvious, the card companies understand that they can use this concept to move people into paying high interest rates on outstanding balances. CFPB should move to prevent this deceptive practice and put the Pay Over Time balance onto a level playing field for customers.
Consumer complaint received 2024-10-24
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Hillcrest Davidson & Associates (AL)

XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX Hillcrest Davidson & Associates XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX RE : Account # XXXX To whom this may concern, I am writing in response to your response on [ XX/XX/XXXX ], regarding my dispute of the above-referenced account. It has now been over 30 days since my initial dispute, and I have yet to receive any documentation that verifies this debt, specifically a copy of any contractual agreement signed by me, which proves that I am legally obligated to pay this debt. 
Under 15 U.S. Code 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request and receive proper validation of this debt. Validation requires you to provide a copy of the original contract or other evidence showing my responsibility for the debt. Your failure to provide such documentation within the 30-day timeframe required by law constitutes a violation of my rights under the FDCPA.

Additionally, under 15 U.S. Code 1681b ( a ) ( 2 ) of the Fair Credit Reporting Act ( FCRA ), my personal information can not be shared or used without my explicit consent. I was not made aware of any opt-in or opt-out processes that would allow my personal information to be sold or distributed to third-party entities. As such, I demand that this account be immediately removed from all consumer reporting agencies. 
Since no valid contractual agreement has been provided, I request that this account be deleted from all credit reports associated with my name. Failure to comply will result in my filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office. 
Per my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I expect this matter to be resolved promptly and this account to be removed from all credit reports. Please provide written confirmation within 15 days that the account has been deleted. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-03-23
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: EQUIFAX, INC. (NV)

I sent a letter multiple times to XXXX, XXXX, and Equifax. Here are my tracking numbers : USPS XXXX XXXX, USPS XXXX XXXX, USPS XXXX XXXX, USPS XXXX XXXX, USPS XXXX XXXX, and USPS XXXX XXXX. However, it has been more than 30 days and I have not received a response regarding my investigation. The status date on my credit report has not changed, which means they are clearly not investigating the accounts. 

I am aware of my consumer rights and demand that all accounts that are negatively affecting my credit rating and violating my consumer rights be removed or blocked from my credit report. I will pursue damages for each account that is in violation if not updated.
Consumer complaint received 2020-10-19
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: EQUIFAX, INC. (MO)

I've call the credit bureaus in the past about my credit score. I have NO collections, NO late pays, NO charge offs, No negative credit lines in my report. Yet my scores are in the mid 500s. I dont understand how this can be fair to me. I work hard to make sure I pay all my Bill 's on time. During this pandemic, I've used my available resources to get by to make sure I dont miss any payments. I've been turned down for loans and had to use financial services with high interest rate. Please fix my credit score.
Consumer complaint received 2024-10-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (TX)

Uploaded documents onto XXXX and now Mohelo is servicing XXXX  loans as of XX/XX/year>. All my documents/application did not transfer to Mohelo and now have to reset the clock with Mohelo. Different customer reps give me different timelines. 
THEre is no rhyme of reason as to where my documents from XXXX  went to and now no estimated timeline now that the clock has reset with Mohelo.
Consumer complaint received 2024-10-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XXXX, XXXX, XXXX my phone and wallet were robbed from me in XXXX XXXX and my Capital One debit card had unauthorized use at an ATM and a store. The ATM withdrawal amounts totaled, {$900.00}, {$1000.00}, and {$100.00}. Another {$1000.00} was used at a XXXX XXXX XXXX. I was left helpless without a phone and wallet and I filed XXXX fraud claims with capital one, for the ATM withdrawals and the store purchase as soon as possible. Originally I was credited the amount and not asked for anything else. On XX/XX/XXXX I received an email that both my claims were denied and I called filed a dispute and was told to provide a police report which I did. I have not heard the action of that dispute.
Consumer complaint received 2024-10-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (TX)

when opening account i set a pin for my ATM card that has not changed since the account has been opened. i tried to enter my pin and kept saying its incorrect/invalid. got onto the website into my account to try to change the ATM pin and says can not that they will send a number within 5-7 business days or go into a branch to change it. issue is 1. going into branch is usually a wait and i am not going to wait 5-7 business days to receive a pin in the mail. i contacted chase and asked why this is that i can not just change it online once logged into my account. they claim its for security reasons which is ridiculous when other banks have this option. all chase appears to be doing is making it more difficult for their customers to do business. i work and a single parent and can not waste time going into a branch. the rep got rude with me when i suggested they need to change this policy and make it easier for customers. she said would relay my complaint but i could tell she wasnt going any further with it. this is very unprofessional and ridiculous way to do business when we cant even change our ATM card pins online as able to do with other financial institutions.
Consumer complaint received 2023-03-18
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

My husband and I financed a car with Credit Acceptance Corp and we believe that we were lead into a misleading loan. We are paying 22.99 % percent, {$390.00} a month for a used XXXX XXXX XXXX that at the time had XXXX miles. When we brought it at the dealership we remember it saying {$9900.00}. We put down {$1000.00} and we still have to pay {$390.00} for 51 payments. After reading complaint after complaint regarding Credit Acceptance from its consumers as well as seeing that they have been sued by Mississippi and had to pay for their deceptive practices and also with New York Attorney General and CFPB for misleading consumers into loans they could not afford by practicing churning and deceptive loans. We also believe that we were wronged. Our loan is 51 months, and the interest has made the car over {$4600.00} dollars more than the value of the car {$4400.00}. We have already paid {$11000.00} which is more than the cost of the price on the car {$9900.00}. We feel misled putting down {$1000.00} still having to pay {$20000.00} for 51 payments. And how a car that is {$4400.00} blue book value ended up being financed with a total cost {$21000.00} and We are stuck with this loan for a long time. I always thought this loan was confusing and complex with contracts hidden inside of the contract with a financed charge for each contract XXXX XXXX which is a warranty contract for {$1600.00} with a term of 24 months and XXXX XXXX {$1100.00} for 51 months are two contracts hidden within a contract which makes this a complex contract that can not be understood by the common consumer. It took us years to understand our contract along and we still dont fully understand it but we know we have been misled. But it seems like my Loan has barely gone down even we have paid {$11000.00} almost 3 times the actual value of the car. I reached out to the New York Attorneys office who is currently suing Credit Acceptance Corporation along with the Consumer Financial Protection Bureau. I have complained several times without a real resolution and fear that Credit Acceptance Corporation will not really investigate our case but just throw out what we are saying just like they have dismissed us in the past. We would like someone else to reevaluate this loan. Credit Acceptance Corporation has destroyed our credit and we are currently unable to get a home for our family because of it.
Consumer complaint received 2022-04-25
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HEARTLAND PAYMENT SYSTEMS INC (FL)

I was repeated called to collect the debt and made several statements about Deferment via Covid-19 Emergency Relief and Federal Student Aid. Their callers expressed no knowledge of deferment. When I contacted XXXX XXXX XXXX about deferment they said that they have directed ECIS to conduct deferments. When I called again and expressed that I talked to XXXX XXXX finally an agent admitted they do have a process for deferment. I received an email and then filed deferment with them. Soon after I found out that my debt has gone to collections. I have no notice of deferment and have no idea whether it was processed or not.
Consumer complaint received 2024-10-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Control, LLC (NV)

I am writing to formally submit a complaint Against XXXX XXXX XXXX XXXX XXXX XXXX regarding their failure to verify a debt and their subsequent sale of the debt to Credit Control LLC Details of the complaint : On XX/XX/XXXX I sent a certified debt verification letter to XXXX XXXX  XXXX XXXX XXXX XXXX .

On XX/XX/XXXX, I received a letter from XXXX XXXX XXXX saying they had initiated an inquiry with XXXX XXXX XXXX the current servicer of the debt being reported for {$230.00}. 
On XX/XX/XXXX, after filing a complaint with CFPB, I received the second response from XXXX XXXX XXXX on the account that included only a letter and some statements. 
On XXXX XXXX, XXXX I received a third letter from Credit Control LLC trying to collect on the same debt that XXXX has failed to properly verify since the initial dispute was sent more than 90 days ago In fact, only after filling a complaint on XXXX XX/XX/XXXX did I receive another response from XXXX XXXX XXXX XXXX XXXX compliance department in which he included some statements on the account. This failed the 30 day rule and also proper debt verification process ( by sending just statements on XX/XX/XXXX ) In addition to that XXXX XXXX XXXX failed to notify me of the debt sale within 5 days of their initial contact and my rights to dispute the debt back on or after XXXX XXXX when XXXX XXXX XXXX initially acquired the account as stated by XXXX from XXXX XXXX XXXX Issues : Failure to provide verification of the debt upon request, which is a requirement if the consumer disputes the debt Engaging in practices that are deceptive or misleading in the collection of the debt Reporting inaccurate information to credit bureaus if they can not verify the debt before reporting it Failing to provide information on the debt when requested Not notifying me of the debt sale/ assignments within 5 days and my rights to dispute the debt and also illegal debt sales ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and more recently Credit Control LLC ) I am requesting that CFPB investigate this matter and take appropriate action against XXXX XXXX XXXX for these violations Thank you for your attention to this matter. I look forward to your response
Consumer complaint received 2022-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MI)

XX/XX/XXXX I pulled my credit report and I noticed a bunch of inquiries that are unauthorized and Im very unaware of Ive had no idea whatsoever Ive also filed a identity theft report. 


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 XXXXXXXX
Consumer complaint received 2020-10-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

Yesterday, XX/XX/XXXX, I made a payment in the amount of {$200.00} to my credit card. My credit card has a limit of {$250.00}. I used an external account, which is an account that is not in the bank where the credit card is associated. I have made my payments on time for more than two years. I have not had any returned or bounced payments. I have used two external accounts to make payments for this credit card for over two years. Today, XX/XX/XXXX, I checked online to ensure that my balance reflected the payment I made yesterday and it did not. My balance still showed the same amount as before and there was a statement under my account stating that " available credit will update on XX/XX/XXXX ''. I pride myself on keeping my credit usage below 30 % so every month before my statement is released and before the bank reports to the credit bureau, I ensure that my balance is paid to at least 30 %. It is extremely disappointing that I have shown loyalty to a financial institution that is treating me like this. I feel like I'm being punished for using my credit card and paying it off every month. I was told by one representative, XXXX, that it could be due to me making irregular payments ( {$50.00}, {$170.00}, {$200.00}, etc ) that my account was flagged and my funds were placed on hold. I escalated  the call and spoke with a supervisor XXXX who told me that it was likely that my payment was being verified and that my payment of {$200.00} in contrast to the balance on the account at the time of {$240.00}, caused the account to be flagged and the {$200.00} placed on hold. Again, I have used this external account for over two years so I'm not sure why it was flagged. It's extremely frustrating, stressful, and disappointing. I expect more from USAA and right now I'm not getting more. I'm getting stress, headache, and sadness. If my credit score is lowered because my credit utilization is high from USAA not applying my payment, I will be extremely upset I worked really hard to increase my credit score and maintain good credit over the years. Even if that's not the case, even if the payment is applied but the monies are just not  available to me that is still an issue. USAA is not being reliable right now and not showing support to me, who has been a loyal customer in banking, investments, and insurance over the years. I'm really hurt by this.
Consumer complaint received 2020-10-19
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MA)

How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't XXXX  student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: OneMain Finance Corporation (VA)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Virginia XXXX XX/XX/year> OneMain XXXX XXXX XXXX XXXX, Maryland XXXX Re : Cease and Desist Notice Regarding Alleged Debt Account # XXXX Amount {$3800.00} To Whom It May Concern, I am writing to request that you and your company desist all collection activities related to the alleged debt referenced above, which is purportedly owed to your company. This request is made under the provisions of the Fair Debt Collection Practices Act ( FDCPA ) and the requirements of 15 USC 1602 regarding the provision of a 1099-C form in cases of charge-offs and write-offs.

Based on the absence of a 1099-C form and the lack of validation of the debt in accordance with the FDCPA, I have serious concerns regarding the legal validity and necessity of continued collection efforts by your company. Without the proper documentation and compliance with the provisions of 15 USC 1602, I request that all collection activities cease immediately. 

Therefore, according to my rights under the FDCPA and the legal requirements outlined in 15 USC 1602, I formally request that you and your company : Cease all communication with me and any third parties regarding the alleged debt, including but not limited to phone calls, letters, and any other form of contact Cease all collection activities, including reporting the alleged debt to credit bureaus or pursuing any legal action.

Refrain from any further assertion of the alleged debt until adequate documentation and compliance with 15 USC 1602 are provided to me.

I remind you that failure to comply with this request will be considered a violation of the FDCPA and may result in legal action. Please take this notice seriously and provide confirmation in writing that collection activities have ceased. 

Please consider this letter as a formal demand for the cessation of all collection activities related to the alleged debt in question. No further communication or collection attempts should be made concerning this debt until the requested documentation and compliance with 15 USC 1602 are provided and the debt is validated under the FDCPA. 
Sincerely, XXXX XXXX