davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (CA)

I have a Chase Ink card which I haven't used for the year 2021, and I had the card put away for safe keeping. During the month of XXXX several unauthorized charges were made to my account without my permission or knowledge. I never received any notification from Chase informing me of these unusual charges, or to call and confirm if I in fact made the charges. The charges weren't noticed by my until XXXX, when I was paying my monthly bills and noticed the charges. I called Chase to report them immediately. The charges in dispute are as follows : - XX/XX/2021 for {$750.00} - XX/XX/2021 for {$1300.00} - XX/XX/2021 for {$15.00} - XX/XX/2021 for {$8000.00} - XX/XX/2021 for {$250.00} - XX/XX/2021 for {$4200.00} Chase provided me with the merchant email address, and a contact phone number. I've sent two emails to the merchant and the phone number provided goes directly to a voicemail, indicating if you leave a message they will email you back. There is no option to speak with a live person. I have also gone to the merchants website to see if there was an account under my name, and their website confirmed I have no account ( screenshots attached ). Since I am unable to get a response from the merchant, my only avenue to resolve this matter is by relying on Chase 's assistance to further dispute the charge. Chase received additional information from the merchant to support the charges, concluded their investigation and rebilled my account. 
Chase did not properly notify me, the dispute was updated, and because of that I was charged a late fee for the balance being rebilled. Additionally, I have attempted to contact Chase several times since this, i've provided additional information to support my claim, spoken to Chase and promised to be called back twice but never received the promised call back. I contacted Chase today and they disconnected the call and never called me back. 

I am worried that because Chase is not making any attempt to help me resolve the matter, and that I am unable to resolve the matter directly with the merchant that I will be responsible to paying these charges I did not make. All I am requesting is that a representative from Chase contact me, and actually try to help me resolve this matter before I am sent to collections.
Consumer complaint received 2021-11-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc. (FL)

I am writing this letter in because I checked my credit reports for accuracy as I am in the process of being pre-qualified for my very first mortgage through the First Time Homeowners Buyers program, and I saw a debt reported by NCB MANAGEMENT SERVICE for XXXX XXXX  XXXX XXXX  in the amount of {$2900.00}. 

Since I do not believe I owe this debt, I am requesting that you comply with Section 809 of the Fair Debt Collection Practices Act and send me the following information : ( 1 ) The name of the original creditor ; ( 2 ) What goods or services were purchased with the money you claim I owe ; ( 3 ) All documentation proving that I owe this debt ; and ( 4 ) A copy of your license to practice debt collection in my state. 

I am also requesting that you send a copy of this letter to the original creditor notifying them that I dispute this debt so that they can not report it as delinquent on my credit report. Likewise, if you have reported this debt to any credit bureau, I request that you also report to them that I dispute owing the debt. Please notify me when you have done so. 

If you need to contact me in the future, I insist that you do so by mail. I am not allowed to receive personal telephone calls at my place of employment. I also prefer that you not phone me at home regarding this debt. All future contact should be by mail. Thank you.
Consumer complaint received 2021-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (IL)

I have recently had an adverse reporting with my account with GM financial reporting. They have reported incorrectly with XXXX and i have already disputed once and they have not corrected it. Currently my account reports as not only " open '' but listed as a " charge off '' which it can only be one or the other. it is in fact a " charge off '' but NOT open. I have disputed and they did not update to reflect it correctly. I have yet again filed another dispute to see if we can get this resolved. Also, i had over a year ago tried to remit a payment and was told i could not do so at the time due to the status it was in. My car was confiscated by legal authorities and was in a specific status in which they would not accept my payment at that time. At no point after that conversation back in XXXX  did they ever send me a letter or ask me again to remit payment. I have not received a phone call regarding asking me for payment either. Last time i spoke with them i was advised i was on the " do not call '' status because when i called them a month ago to correct the status they had placed me on being that the account was not listed correctly on my credit report they then put me on as my notes. I should have been contacted regarding the status on my account and to ask for payment and not blindsided with the adverse reporting in which is incorrectly reported to transunion. I will be remitting my payment in full so i can correct this and i do not believe it should be reporting as an open account when in fact if it is a charge off then it should be reported as " closed '' and " charged off '' not both. I ask that they provide the documentation that evidences they sent me documentation on the remaining balance as i have not received that and should have been provided with that as well. The account number with them starts with XXXX and my balance reporting owed is {$6000.00}
Consumer complaint received 2021-11-05
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. (MD)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX-Date of inquiry XX/XX/2021 XXXX-Date of inquiry XX/XX/2021 XXXX-Date of inquiry XX/XX/2021 XXXX-Date of inquiry XX/XX/2021
Consumer complaint received 2024-12-08
Product: Credit 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: CITIBANK, N.A. (CA)

I am writing to file a complaint regarding Citis handling of several disputes I submitted for transactions on my credit card. Despite following all necessary steps, I have encountered the following issues : 1. I submitted additional documentation via fax to support my disputes, but Citi failed to attach my documentation to all of my dispute cases. 
2. Citis responses to my cases were inconsistent. Even though I provided the same documentation for each dispute, Citi approved some cases and declined others without clear justification. 
3. I am unable to access Citis online dispute center to review or track the status of my disputes, further complicating the resolution process. 
Given these issues, I am requesting that Citi conduct another review of the disputes that were previously declined. I believe my documentation supports the validity of my claims and that these cases should be approved.
Consumer complaint received 2023-10-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

I went to Capital one to make my credit card payment with my debit card, as the XXXX is my due date, and with a debit card payment it posts immediately so my payment is accounted for immediately on both end for the credit card company and reflects in my bank account as well. They have taken away the option for a debit card payment and they will only allow a transfer directly from a bank account. On top of it coming directly from a back account it will take 3- 5 days to post to either account. I called customer service to see if it was a system problem and they claim they notified all customers that they would be taking that option away, however I never got anything stating they would be doing this. They would not send me the notice that it was changed, nor is this acceptable as the account continues to accumulate interest, and/or it gives the consumer a late payment even though the customer would have been able to have the payment paid on time, as normal. These are deceptive practices in accruals of additional money to the company and not taking into account other peoples life styles that don't have the opportunity to have a bank account to make payments.
Consumer complaint received 2021-11-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION (FL)

Lender : Credit Acceptance Reasons For Complaint : Deceitful Practices, Improper Payment Practices, Impractical Payoff Process, Failure to provide Refund per contract, Failure to Return Over payment per contract, Misleading Costumer Service. 

This company has policies that make it impossible to pay off your car loan. They cap the amount you can pay at a Time online, and they also like to return a refund payments for no reason also there have been payments of mine that have gone missing and I believe that I had to pay this car off twice. On XX/XX/XXXX I made my final payment to pay off the payoff quote which they only allowed to be good for 24 hours thus having caused me to have to scramble within those 24 hours to make the payments on time. They claimed that I did not make the appropriate mark on the form saying that my Gap refund amount be included or not but I did however do what I was supposed to do to properly close the loan. The lady on the phone misled me into doing it again getting a different charge off quote for what was already basically paid for that didn't reflect in the system thus forcing me to have to pay it again to close off my loan that was on XX/XX/XXXX they waited the exact 20 days to release my loan my title however I have not gotten the extra payment I was forced into making or my Gap refund back and now I can't even get a hold of them on the phone or find it get any access to my payment history. They have lied to me I've been jumping through their hoops this whole time they charged me outrageous interest rates and the people on the phone lie they are rude and they still haven't given me my money but whenever I pay late which I never have I would have been charged I outrageously ridiculous amount but yet they can't pay me per their own contract my money back that they forced me into paying over.
Consumer complaint received 2021-09-07
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. (NE)

In response to the three accounts XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, and XXXX # XXXX, that were deleted from my Equifax consumer files on XX/XX/2021, multiple FCRA violations have been committed on behalf of Equifax in regards to my consumer rights and their inability to notify me of these item 's reappearance on my credit report. Such violations have caused my XXXX score to drop significantly and has hindered my ability to attain credit products. I have attached screenshots of my drop in XXXX scores along with a credit card denial letter from XXXX XXXX XXXX in which the main reason for denial was a serious delinquency, as such delinquency, which was caused by Equifax 's lack of due diligence in regards to their FCRA responsibilities. These three accounts reappeared on my Equifax report on the following dates, XX/XX/2021, XX/XX/2021 and XX/XX/2021. I have not received any communication that Equifax has received any new documentation urging them to reinsert these accounts from the original creditors. Simply saying that they have new information does not suffice, as I, the consumer, must have proof of this new documentation, which I have never received. I have only received a notice saying the three accounts were reinserted, with no true proof that an investigation was conducted nor new documentation found justifying their reinsertion. Neither did I ever authorize these reinsertion which constitutes to the following FCRA violations : 1. FCRA 611 ( 5 ) ( B ) ( i ) 2. FCRA 611 ( 5 ) ( B ) ( ii ) 3. FCRA 611 ( 5 ) ( C ). Procedures to prevent reappearance I, XXXX XXXX XXXX, have every reason to believe that Equifax has not maintained reasonable procedures to stop this account from reappearing on my credit report within these three federal statutes : As I was never made aware that correspondence was ever made between Equifax and the three listed accounts after XX/XX/2021, when the items were initially deleted and between when the items reappeared. Equifax has sent me notices via mail saying the items were verified. Yet no explanation as to how they were able to verify this information was included. I have reason to believe that Equifax has conducted no reasonable investigation into the reinsertion of these accounts. My consumer rights have been violated and I am prepared to file suit against Equifax in small claims court pursuant to FCRA 616 and FCRA 617 if these three items are not promptly deleted from my Equifax credit profile. I urge that you make Equifax aware of the amount of compensatory damages totaling {$3000.00} that I am owed as a result of their negligence and FCRA noncompliant behavior n regards to FCRA 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] FCRA 617. Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ]
Consumer complaint received 2021-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NV)

Unable to log into my account and verify. My account is XXXX I have accounts with all other credit bureaus, this is the only one giving me issues. 
Receive error : We are temporarily unable to complete this request. 
Please try again later.
Consumer complaint received 2022-03-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: McCalla Raymer Leibert Pierce, LLC (GA)

This is the second complaint about XXXX XXXX to their own admission they are acting as debt collectors so my complaint is against a collection agency about their illegal collection activity. A bar will be filed when we pinpoint ethical violation of Bar Rules and that will be against the attorneys If you look at Exhibit # 1 This is a letter from XXXX XXXX informing how to dispute the alleged debt and they gave us till XX/XX/2022 to dispute, but they started Foreclosure before the 30-day period ended.

Exhibit # 2 Will show you we have seen them the dispute and sent copies to alleged servicer XXXX, alleged investor XXXX XXXX XXXX Exhibit # 3 Will show you the response from XXXX XXXX, in their response they show records from 14 years ago they failed to produce the NOTE that the XXXXXXXX XXXX  properly acquired. there was no proof that the current servicer who initiated the Foreclose has the right to service my loan. 

Exhibit # 4 Will show a few unsigned letters from XXXX acknowledging receiving our document, we have 13 days before the foreclosure no single piece of paper to show the proper transfer of DEED and TITLE which can establish the ownership of the right NOTE holder.

In conclusion I would like to state that this dispute has been going on for years now so far, we had 7 plus servicer changes, oddly CEO some of this servicer are serving time for Fraud. There are several court cases against XXXX and class action in New York for violation of TILA RESPA and charging consumers excessive various fees. Because this complain against XXXX XXXX I brought underlying issue with their client to show XXXX XXXX knowingly aiding them to commit fraud and wrongfully Foreclose our property
Consumer complaint received 2022-10-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

In accordance with the fair credit reporting act XXXX  for account number 1.Department of Education acct XXXX XXXX XXXX XXXX  acct # XXXX XXXX acct # XXXX XXXX. XXXX acct # XXXX Has violated my rights 15 USC 1681 section 602a states I have the rights to privacy 15 USC 1681 604a section 2 consumer reporting agency can not purchase account without my written instruction.
Consumer complaint received 2021-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

TRANSUNION IS REPORTING AN ACCOUNT ON MY CONSUMER CREDIT PROFILE WHICH HAS BEEN PREVIOSULY DISPUTED AND INVALIDATED. THE FURNISHERS OF THIS INFORMATION ARE ATTEMPTING REREPORT AN INVALID DATE. PLEASE FIND ATTACHED A SCREEN. PLEASE FIND ATTACHED AS EVIDENCE A SCREEN SHOT OF THE ACCOUNT IN QUESTION ON MY CREDIT REPORT WITH THE INFORMATION THAT NEEDS TO BE DELETED HIGHLIGHTED. ALSO FIND ATTACHED MY COMPLETE CREDIT REPORT FROM TRANSUNION. ALSO FIND ATTACHED THE LETTER WRITTEN FROM XXXX TO ME WITH CONFLICTING ACCOUNT NUMBERS. this is costing me a lot of money and it is a violation of my rights under the FCRA guidelines. I HAVE NO KNOWLEDGE OF THIS ACCOUNT AND I HAVE NOT CONDUCTED ANY BUSINESS TRANSACTIONS WITH THE FURNISHERS OF THIS INFORMATION. DELETE IT IMMEDIATELTY. 

XXXX XXXX Address XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/2021 Responsibility Individual Account Account Type Open Account Loan Type COLLECTION AGENCY/ATTORNEY Balance {$55.00} Date Updated XX/XX/2021 High Balance {$55.00}
Consumer complaint received 2021-09-07
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: PENTAGON FEDERAL CREDIT UNION (VA)

I believe that Pentagon Federal Credit Union is in violation of USC 1026.53 in how they apply payments in excess of the minimum and in the last 2 months of a promotional balance transfer. They are saying that 1026.36 doesn't apply when the clear language of 1023.56 shows that it does apply. Specifically 1023.56 B1i states that when Accounts with balances subject to deferred interest or similar program are used, then " The card issuer must allocate any amount paid by the consumer in excess of the required minimum periodic payment consistent with paragraph ( a ) of this section, except that, during the two billing cycles immediately preceding expiration of the specified period, the excess amount must be allocated first to the balance subject to the deferred interest or similar program and any remaining portion allocated to any other balances consistent with paragraph ( a ) of this section ; or ''. 

Pentagon Federal is saying this rule does not apply to 0 % interest balance transfers and are refusing to apply the payment to the transfer that ends on XX/XX/2021 and are, instead, applying them as percentages of the 3 transfer amounts. This is making it IMPOSSIBLE for me to pay off the XX/XX/2021 balance transfer before it starts accruing interest. 

They only tell me their " lawyers '' say they are doing it correctly and will never address my specific question related to 1023.56 above.
Consumer complaint received 2021-09-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (TX)

On XX/XX/2021 the company MyLoanCare NMLS # XXXX should have automatically drafted a mortgage payment from my bank. My account with this lender has been on autopay since the account was created. The lender has not drafted from my account which at the time had sufficient funds. The lender refuses to pick up the phone or provide a way to contact them.
Consumer complaint received 2021-09-06
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HYUNDAI CAPITAL AMERICA (FL)

To whom it may concern : I submitted two dispute letters certified mail acting in good faith, showing delivered on XX/XX/2021 and another one on XX/XX/2021. I disputed this account and the inaccuracy of this inaccurate, invalidated, unveriable debt on my credit report. I asked KIA Motors for my verified signature and how they validated this inaccuarte account and all the corresponding information. They have not responded not once in over 45 days. Not only have they violated multiple rights they're also hurting my ability to obtain good credit. They are reporting to the consuming reporting agencies inaccurate and unverifiable information. I didnt authorize this debt to be on my report. They are reporting in error. Provide me proof of signature and proof of debt of {$720.00}. This debt is inaccurate and does not belong to me. I asked them to investigate this account and immediately delete this account or update my credit report to positive/current. It's been over 45 days with no results. I did not consent to, authorize nor benefit from the following account. Please remove or correct my credit report. They have violated multiple laws and I would like for this to be resolved immediately. Please see attached a copy of all of my supporting documents. This is very Frustrating.