davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-22
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: JPMORGAN CHASE & CO. (IN)

I booked my stay at the XXXX XXXX XXXX in XXXX XXXX using award nights, so my stay should have been free. However, I was asked to provide a credit card for any incidentals at checkin. I was incorrectly charged on that credit card, which was my Chase credit card. The purchase was made on XX/XX/2022 in the amount of {$120.00} I have contacted the hotel to get a refund but they were dragging their feet and referring me around with no solution, so I disputed the charge with Chase. 

Chase only contacts me about the dispute via snail mail dispute my attempts to make contact via Chase 's secure message services ( because I am in XXXX for work for the time being ). I was asked to submit evidence for the dispute and I uploaded the documents to Chase 's document center, then I asked for confirmation that they were received via secure message, a request that was ignored. Then I just received a decision in the mail that said the decision " remained the same '', in reference to the fact that I almost missed the deadline for uploading proof due to Chase 's insistence on using snail mail which I can not check. 

So I am not even sure Chase considered the evidence I submitted, which should have been sufficient to prove that no purchase should have been made and there was an error that needed to be rectified. The burden of proof that a legitimate purchase was made should rest on the hotel, as I doubt they will be able to produce the documentation to show that any transaction occurred.
Consumer complaint received 2022-07-11
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Law Offices of Mitchell D. Bluhm & Associates (FL)

I feel as if my personal information is being sold or passed around in order to collect a debt that was paid by my insurance. It started with XXXX XXXX then XXXX XXXX which was disputed and removed now it's Law Offices MBA which states it's a medical debt correct me if I'm wrong should not be showing up on my XXXX report due to new regulations as of XX/XX/XXXX. The HIPA law also protects my medical information from being shared. I feel I'm being targeted and harassed. Please find it in your heart to stop this on going pursuit to prevent me from excelling in life. Thank you
Consumer complaint received 2024-07-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (AZ)

My autopay due date is the XXXX of each month. Both my autopay agreement and the Edfinancial website state that payments that fall on a Saturday, Sunday or XXXX will instead be drafted the NEXT business day. 

My payment date this month falls on Sunday the XXXX, yet the draft hit my bank account on Saturday the XXXX instead of Monday the XXXX which is earlier than both the companies policy AND my scheduled autopay date.
Consumer complaint received 2022-07-11
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2021-12-23
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Exeter Finance, LLC. (FL)

To whom it may concern, I am writing in regard to the below referenced accounts and transactions. 

Account:XXXX  This vehicle was repossessed by Exeter Finance LLC in the State of Florida on or about, XX/XX/XXXX, and resold on or about XX/XX/XXXX. 
Under the laws of the State of Florida UCC XXXX and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 
Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. 

If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. 
In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC 9 remedies.

Best Regards,
Consumer complaint received 2021-10-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (CA)

Recognizing that I am the consumer and the original creditor, I noticed some issues with XXXX and the alleged debt. This is not my debt, and I have been violated by XXXX regarding this alleged debt in a list of ways. 

According to 15 USC 1692 b ( 1 ) of the Fair Debt Collections Practices Act, they should not have stated that I need to pay on a debt, via Credit Collection Services. This is a violation. 

According to 15 USC 1692 b ( 5 ) of the Fair Debt Collections Practices Act, they should not have used any language or symbol on any envelope orin the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. This infringes on my right to privacy. This is a violation. 
According to 15 USC 1692 d ( 2 ) of the Fair Debt Collections Practices Act, they should not have executed the use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. Telling me to remit payment was interpreted as obscene to me. This is a violation. 
According to 15 USC 1605 ( c ) of the Truth in Lending Act, property damage and liability insurance premiums are to be included in finance charges of consumer credit transactions. This would include my auto loan for the car tied to the XXXX insurance alleged debt. It was not included, technically making my contract null and void, because fraud trumps any solemn contract. This is a violation. 
I never gave permission to Credit Collection Services ( who is acting for XXXX ) to have my information. No consent by definition is Identity Theft. 
These violations overall all have also caused distress to my life. The derogatory mark from XXXX on my credit report has negatively affected me being able to get financing, caused issues with hiring, and has brought about physical stress to my life, due to extra work and strenuous effort.
Consumer complaint received 2022-06-22
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A. (FL)

I have had my Bank wire money to an account in XXXX it was never received, and now I was told that that money is not guaranteed to get back to me. I have done many wires in the past not sure if this is because of amount??
Consumer complaint received 2021-05-25
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: CAPITAL ONE FINANCIAL CORPORATION (CT)

Account should have been closed 4 years ago. The company has refused to resolve the matter. The account was said to be closed back then at the same time I closed XXXX upon finding out about the identity fraud on my account. I recently received an email that I am going to receive a replacement card for # XXXX that was said to be closed back then on or before XX/XX/XXXX. 
This is nonsense to me as I have at exhaustion disputed not only the technical issues ( not having access to the website ) and the fact that the account is connected to a phone number I lost access to years ago XXXX. I have documentation from then with XXXX and XXXX XXXX XXXX about this matter. 
I also put a freeze on my accounts with the FTC after my father passed away in XX/XX/2019 and they were demanding large payments that I paid that never touched the balance. Regardless of trying to communicate with them to have an arrangement ( payment plan ) they have ignored it. I've even spoke with members of the Capital One resolution, fraud and accounts team attempting to resolve this issue. I had updated my phone number everytime I spoke with them and somehow the account still reflects the XXXX number. 
I have also seen that more than one device is connected on the account and capital one ignores my need for resolution. 
Upon receiving an email again about another card being sent out for a closed out, I immediately called again and had the girl transfer me to fraud and I reported it to the man. She had told me the account was open but she put it as closed once again and that I was going to receive a letter in the mail confirming as such. The guy from the fraud department did not act at all sensitive to my concerns.
Consumer complaint received 2022-06-22
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: BMW Financial Services NA, LLC (MT)

I have a new car lease on a 2021 BMW with BMW Financial services. BMW Financial Services will not speak to me about my lease when I call and instead transfer my call to BMW of North America customer service. I can not manage my lease, speak to anyone, etc. about this new vehicle lease.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. 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. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2021-10-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NV)

A payment I made was never applied to my mortgage. 

In XX/XX/XXXX, my loan was transferred from XXXX XXXX to Shellpoint. I didn't receive communication about this transfer so my automated payments were still going to XXXX XXXX. 

I sent payments to XXXX on XXXX and XXXX each in the amount of {$2800.00}. I obtained proof from XXXX that they forwarded this to Shellpoint on XX/XX/XXXX and XX/XX/XXXX, respectively. I have XXXX tracking numbers for each and screenshots of the tracking that both were received by Shellpoint. Shellpoint acknowledged to me on the phone that they received the XXXX payment but not the XXXX payment. 

I have reached out to Shellpoint twice where they told me they would to investigate this, but have never followed up with either investigation into the missing XXXX payment Separately, my loan was transferred to XXXX in XXXX where I've needed to cover the missing XXXX payment to avoid defaults and so on. 

I've attached the following documents : - proof of my XXXX payment leaving my XXXX  account - proof of my XXXX payment leaving my XXXX account - proof from XXXX that they sent these payments to Shellpoint with tracking numbers- XXXX screenshot of the tracking number for the XXXX payment received by Shellpoint - XXXX screenshot of the tracking number for the XXXX payment received by Shellpoint
Consumer complaint received 2022-06-22
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. (SC)

In accordance with the Fair Credit Reporting Act XXXX 1. XXXX XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

2. XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

4. XXXX XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

5. XXXX XXXX XXXX Account # XXXX has violated my rights. 

6. XXXX XXXX Account # XXXX has violated my rights. 

7. XXXX XXXX XXXX Account # XXXX has violated my rights. 

8. XXXX XXXX XXXX XXXX  Account # XXXX has violated my rights. 

9. XXXX XXXX XXXX / XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C. 1681 section 604 A. Section 2 also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-12-12
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: MARINER FINANCE, LLC (TN)

XXXX n accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-06-22
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. (SC)

In accordance with the fair credit reporting act, ( XXXX XXXX Account Number XXXX ) has violated my rights. 

15 USC 1681 Section 602 A states : I have the right to privacy.

15 USC 1681 Section 604 A section 2 states : It also states that a consumer reporting agency can not furnish an account without my written instructions. 


In accordance with the fair credit reporting act, ( XXXX XXXX Account Number XXXX ) has violated my rights. 

15 USC 1681 Section 602 A states : I have the right to privacy.

15 USC 1681 Section 604 A section 2 states : It also states that a consumer reporting agency can not furnish an account without my written instructions. 


In accordance with the fair credit reporting act, ( XXXX XXXX XXXX Account Number XXXX ) has violated my rights. 

15 USC 1681 Section 602 A states : I have the right to privacy.

15 USC 1681 Section 604 A section 2 states : It also states that a consumer reporting agency can not furnish an account without my written instructions. 


In accordance with the fair credit reporting act, ( XXXX XXXX Account Number XXXX ) has violated my rights. 

15 USC 1681 Section 602 A states : I have the right to privacy.

15 USC 1681 Section 604 A section 2 states : It also states that a consumer reporting agency can not furnish an account without my written instructions. 


In accordance with the fair credit reporting act, ( XXXX XXXX XXXX Account Number XXXX ) has violated my rights. 

15 USC 1681 Section 602 A states : I have the right to privacy.

15 USC 1681 Section 604 A section 2 states : It also states that a consumer reporting agency can not furnish an account without my written instructions. 


In accordance with the fair credit reporting act, ( XXXX XXXX XXXX  Account Number XXXX ) has violated my rights. 

15 USC 1681 Section 602 A states : I have the right to privacy.

15 USC 1681 Section 604 A section 2 states : It also states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-06-22
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: EQUIFAX, INC. (TX)

I've sent notices multiple times to the Credit Bureaus regarding Fraudulent accounts and they've yet to remove accounts. FTC Report was filed and submitted along with proof of my identity to XXXX, Equifax, & XXXX. XX/XX/22 and XX/XX/22. As a consumer I'm supposed to be protected and they have violated my rights. Due to their inability to remove items I've been denied a mortgage loan for me and my family. My next step is to file a lawsuit against the credit bureaus for 1. Defamation of character 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance-616. Civil liability for willful noncompliance 15 U.S.C. 61681n ]
Consumer complaint received 2021-12-08
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: EQUIFAX, INC. (CA)

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNT from my credit report immediately. They are a result of ID theft. Beside these items. Please remove these items which are not authorized by me as soon as possible.
Consumer complaint received 2022-06-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: GULF COAST COLLECTION BUREAU, INC. (FL)

I know I paid the amount off to XXXX XXXX XXXX XXXX but I also applied for financial aid with them due to Im on fixed income. They did not send me any more information about if I was approved for financial assistance I also have tried contacting them many times to discuss. Then their debt collection company gulf coast collection I have written them talk to them on phone many times told them I want to dispute it and all I get is multiple phone calls voicemails a day every day something has to give and they marked my credit for this
Consumer complaint received 2021-03-15
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: National Credit Systems,Inc. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2021-05-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

I entered a consumer credit transaction with CAPITAL ONE and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which my insurance was not included in the finance charge ( sum of all charges ) Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that CAPITAL ONE claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. CAPITAL ONE has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me.
Consumer complaint received 2022-06-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (CA)

Rocket Mortgage collects biweekly payments but only applies them on a monthly basis when choosing their biweekly autopay option. It waits until the due date to apply a payment even when it has collected by autopay the full payment a week or more before. 

Example : On XX/XX/XXXX Rocket deducts a biweekly payment. A second biweekly payment is collected on XX/XX/XXXX. Therefore as of XX/XX/XXXX Rocket Mortgage has a full monthly payment but instead of applying that full payment on XX/XX/XXXX, the full payment remains in an unapplied status until XX/XX/XXXX. 

This is unfair to the consumer because it costs the consumer more interest on the loan overall than if the payment was applied when it was collected from the consumer by autopay/received. 

Moreover it is false to describe to the consumer a payment as biweekly when it is only applied monthly and/or the consumer does not receive the benefit to the amortization of loan of the early full payment autopay collected by Rocket. 

It's unfair to the consumer that the Mortgage servicer holds the payment in a pending status and receives the benefit of that money for a week or more until applying it against the principal and interest. Over the life of the loan this is thousands of dollars that belong to the consumer that the mortgage company is capturing for itself by delaying the application of the payment until the due date/first of the month even when it has received the full payment a week or more before.
Consumer complaint received 2021-04-12
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. (MI)

I have disputed an authorized user, XXXX XXXX XXXX  card for several months. I disputed with Experian, XXXX, XXXX  and with XXXX XXXX. XXXX  XXXX representative " XXXX '' says there is nothing can be done. 

The problem is that I never authorized anyone to add me as an authorized user and this is FRAUD. I found out about this when I checked my credit report. I have asked that this account be removed from my credit report but none of the companies will do anything about it.