davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TOYOTA MOTOR CREDIT CORPORATION (AR)

I have disputed with Toyota Motor Credit every 45 days about the X unknown statues on my credit reports from XXXX, XXXX and experian for the month and year of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX the dates listed were paid on time. The also reported several incorrect late payments I have disputed with no resolution.
Consumer complaint received 2024-07-31
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc. (FL)

Dear NCB MANAGEMENT SERVICE, I am writing in reference to my previous communication dated XX/XX/year>, in which I formally requested validation of the debt you claim I owe. To date, I have not received the requested validation and documentation as required by the Fair Debt Collection Practices Act ( FDCPA ). Without the proper validation of this debt, your continued attempts to collect, including reporting to credit bureaus, are in violation of the FDCPA. The details of the alleged debt are as follows : Account Number:XXXX Original Creditor : XXXX XXXX  XXXX XXXX Amount : {$1900.00} Since you have not provided the necessary validation, I hereby demand that you cease all collection activities related to this account, including but not limited to, reporting this debt to any credit reporting agencies, contacting me by phone or mail, or initiating any legal action. Failure to comply with this request will leave me no choice but to file a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office. I also reserve the right to pursue legal action for any violations of my rights under the FDCPA. Please confirm in writing that you have ceased all collection activities on this account. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX
Consumer complaint received 2024-07-31
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

5/3 BANK I HAVE MADE FEW TRANSACTION ON XX/XX/XXXX AT A STORES WITH MY DEBIT CARD AND ALSO XXXX ON THE SAME DAY {$100.00} TO COVER ALL EXPENSE WITCH MADE MY ACCOUNT POSITIVE .FEW DAY LATER XXXX I AM HIT WITH UNFAIR OVERDRAFT FEES OF {$140.00} I CALL TO EXPLAIN THE TRASNACTION WAS ALL MADE THE SAME DAY TO COVER PURCHASES AND THE REP TOLD ME THAT THAT THEY WAS ALL DONE ON THE SAME DAY JUST DIFFERENT TIME, I HAVE NEVE HERD OF XXXX WHO SAID ITS SAME AS CASH PENDING FOR 2 DAYS TO COVER ANYTHING EVEN THO THEY MADE MY ACCOUNT POSITIVE AT SAME TIME I ZELLE IT BUT TURN AROUN 3 DAYS LATER AND STILL XXXX OVERDRAFTED FEES I FEE XXXX BANK IS UNLAWFULLY CHARGING OVERDRAFTED FEES AND IF YOU DONT PAY THEM THEY CHARGES MORE EVERY WEEK XXXX AND CORRUPTED
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (AR)

In accordance with the FCRA, ( XXXX, XXXX, XXXX, ) have violated my federally protected consumer rights to Privacy and confidentiality under 1681. According to 15 U.S.C 1681b ( a ) ( 2 ) I DID NOT give Anyone written permission to furnish these accounts to my credit profile. I have the list of Accounts that I will post here! ( XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX ) I amAttaching identity and proof of address. Also, there are inaccuracies reporting to these accounts.
Consumer complaint received 2024-07-31
Product: Credit card — Store credit 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. (AZ)

I purchased this XXXX XXXX  XXXX XXXX XXXXXX/XX/year> from Home Depot , XXXX XXXX XXXX XXXX XXXX XXXX using both a {$350.00} gift card and the balance {$500.00} on my Home Depot credit card through Citibank services XXXX After months of calls to the XXXX consumer advocate, and several XXXX techs servicing the appliance, it was returned due to a chip in the cooktop presenting an electrical or fire hazard. XXXX XXXX in XXXX AZ picked the defective range up on XX/XX/year>. I was given the option of having a refund check mailed to me which I elected for. On XX/XX/year> i went to the store to confirm my refund and was given a customer refund receipt and told the check would be mailed in 7 to 10 days. It is NOW 31 days and still no check, and the charge is still on my credit card. In fact, I have paid on the appliance even though I do NOT have it. I have reported this to the credit card company Citibank, have disputed it, and am told it is Home Depot who is responsibile. Home Depot has a catch XXXX XXXX- the consumer is constantly referred back to a " care team '' unable to do anything- I called the corporate store in Georgia, only to be sent to the care Team- again no one is able to get a decision maker. Where is my money!
Consumer complaint received 2019-08-01
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. (TX)

Got this letter XX/XX/XXXX SO how could date open be XX/XX/XXXX, OK ( 1 ) that's the first MISTAKE XXXX and Experian so what to admit this is a mistake, ( 2 ) Looking at document Annual Percentage Rate ( The cost of your yearly credit ) o, ( 3 ) Finance Charge 0, ( 4 ) Amount Finance {$380.00} and yet the credit report states {$340.00} then it states a payment was made of {$25.00} ( I have never made a payment as I was paid with direct deposit XXXX and that check was taken to cover the Balance. ) BUT let me stay on base, Then the high credit was {$380.00} BUT they state I was never LATE/ Written OFF XX/XX/XXXX. Then they state pass due NOW in XX/XX/XXXX {$1900.00}. Ok once I open and did a dispute an that got mad and added all the different amounts, That's no LEGAL they have to report nothing BUT the truth and XXXX XXXX XXXX XXXX have failed to do so, AND furthermore they lie and have been as when an investigation is open they provide FALSE information to the Credit companies knowing they haven't proved or can provide any corrected information. SO what are you going to do.
Consumer complaint received 2024-07-31
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Chime Financial Inc (CO)

Open the chime credit builder account along with my checking account. The credit builder account had no limit but was reliant on funds applied to the account to use the account, so there was never a extension of credit it was actually money that I had put into the account. 
The card number that I had was mysteriously not showing on my account online and inquiring about it I was informed that that card was deactivated due to fraudulent activity in an attempt to log in via two devices and that was against chime terms and policy. 
Never carrying a balance over from month to month chime was reporting me late on the on payments. They mentioned that the security count was accessible to me which it is not and therefore automatically funds the credit builder account. 
Chime subsequently close the account and report it to the credit bureaus that it was closed and still late. I requested that they validate this information to make it correct and they refused to do so saying that they've they have researched and it remains valid. 
This is caused a problem as my credit reports are showing a 30-day delinquent at a time
in which I'm trying to process an auto loan. The difference in interest that I'm potentially going to be charged is over XXXX over the life of the loan. I made my request to chime quite simple either delete the 30-day notice and leave the account closed or delete the entire trade line completely as in it's impacting me negatively they refused today XX/XX/year> I spoke to a supervisor who would only go by the name of XXXX I asked for further information to validate who he was and he refused he ultimately said he could not help me any further and said their policy stands and that was it. 
I believe this is violation and abuse of a customer and I do believe that there are other people who have recently had the same complaints with chime they are not holding up their obligations they're not informing customers of how the process works and they are taking money and they're not making it available to the customer via the credit builder or direct
Consumer complaint received 2024-07-31
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (NV)

My AMEX account username is XXXX, with an XXXX  ending in XXXX. In XXXX, I applied for a Platinum Card from American Express, which had a welcome bonus offer of XXXX Membership Rewards points. I did not notice any disclaimer on the application webpage indicating that I was ineligible for the welcome bonus offer. After spending {$8000.00}, the welcome bonus points were not credited to my account. I received conflicting information from customer service representatives ; one mentioned that my offer was declined because I had opened two cards this year, while another cited a misuse history, despite my record of timely payments. The cards I previously opened, the Hilton XXXX and XXXX XXXX, are distinct from the Platinum Card, and I am not aware of any rule stating that opening two credit cards in one year disqualifies me from receiving a third welcome bonus offer.
Consumer complaint received 2016-04-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (FL)

I am homeowner WHO NEED TO SAVE HIS HOME XXXX XXXX XXXX, XXXX A. IS ORIGINAL BANK and i recived UNIFORM FINAL JUDGMENT OF FORECLOSURE AND SALE DATE ON XXXX/XXXX/2016 I beg you to help with canceling foreclosure sale on XXXX/XXXX/2016, i am willing to do any loan modification, mediation, loss mitigatin, please help me and our family to save our home.Bank XXXX sold loan to XXXX end i just find out that XXXX sold this loan to Nationstar loan # XXXX i wasnt notified, i need to do loan modification ASAP and Nationstar only intersted to foreclose, they dont give a chance to do loan modificatin, i just got statement where they charge me for legal fee XXXX, property inspection XXXX $ title lien search XXXX XXXX prior lender expense XXXX XXXX escrow XXXX $ they just purchased this loan from XXXX and now FRAUDULENLY Creating chages out of knowere and want to sell my house.MY family beg to stop this FRAUD.WE willing to do loan modi need to keep roof over heads As homeowner in danger of Foreclosure sale on XXXX/XXXX/2016 my mortgage bank was XXXX XXXX XXXX, i was late on payments, So bank XXXX XXXX was trying to foreclose on me, But i didnt got no Mediaton hearin no loan modification, so later i realized that loan was transfered to XXXX and just now XXXX transfered this loan to Nationstar, but Because Of Bank XXXX XXXX was my bank I am covered by National Mortgage Setlement, Nationstar doesnt give me option to do loan modification and only proceeding towards Foreclosure sale which violates National Mortgage Setlement Agreement, Fraudulently under Consumer Financial Protection Bureau CFPB Rules for Servicing Loans in Default, Nationstar violated almost all rules in book and like loanshark they interest only in getting house and going in foreclosure sale. Government through you gave us last chance, last hope ... Please Help us to save HOME Open to all loan modification willing to work any- ANY possible scenario.this bank chargeXXXX,XXXXlega As homeowner in danger of Foreclosure sale on XXXX/XXXX/2016 my mortgage bank was Bank XXXX XXXX XXXX i was late on payments, So bank XXXX XXXX was trying to foreclose on me, But i didnt got no Mediaton hearin no loan modification, so later i realized that loan was transfered to XXXX and just now XXXX transfered this loan to Nationstar, but Because Of Bank XXXX XXXX was my bank I am covered by National Mortgage Setlement, Nationstar doesnt give me option to do loan modification and only proceeding towards Foreclosure sale which violates National Mortgage Setlement Agreement, Fraudulently under Consumer Financial Protection Bureau CFPB Rules for Servicing Loans in Default, Nationstar violated almost all rules in book and like loanshark they interest only in getting house and going in foreclosure sale. Government through you gave us last chance, last hope ... Please Help us to save HOME Open to all loan modification willing to work any- ANY possible scenario.this bank chargeXXXX,XXXXlega
Consumer complaint received 2023-03-16
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: Westlake Services, LLC (TX)

It's been over 30 days and the creditor has NOT corrected the false information that they have been reporting to the credit bureaus. They are reporting that I was 11 times late to the bureaus, YET when I had you to reach out to them months ago they sent you a letter stating that I was late only 2 times which is correct. This letter was mailed to me by your rep XXXX. 

Under Federal law they had 30 days to complete the investigation and by failing to do so, these items must be deleted from my credit report ASAP
Consumer complaint received 2024-07-31
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

The Capital One Auto Finance company has been harassing me for over 12 years for a debt that is no longer mine. The amount of the debt is {$7300.00} which they are saying i owe. This debt was charged off and I am no longer responsible. This company has violated 15 USC 1692-c and they need to stop and cease all communication. They also need to remove this information from my credit report for all XXXX bureaus ( XXXX, XXXX and XXXX.
Consumer complaint received 2024-07-31
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC. (OH)

sofi bank dispute filed on XX/XX/year> for unauthorized debit card transaction. Customer service rep incorrectly filed my dispute as credit not received. its over XXXX calendar days and no resolution has been provide by the bank.
Consumer complaint received 2023-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 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.
Consumer complaint received 2024-07-31
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. ()

Dear XXXX It was the XXXX XX/XX/year> when I made the payment ( USD XXXX ) to what I was aware was my supplier of fiber optic for my business when I realized that I was being hacked. 
After getting the confirmation on the order of my purchase, someone hacked the email address sending the fake documents for payment, the reason I write to you is because I am confident to say that the bank JPMorgan Chase opened a fraudulent bank account under fake information, and they just confirmed me that the money is still on hold, but they are afraid that the account holder will claim the money back ; I believe that the person will never show up since it is a criminal and I am sure JPMorgan is also aware of this, the real account where I should have sent the money is as follow : XXXX XXXX XXXX XXXX po box XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX account XXXXXXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX BIC : XXXX Account Location : XXXX While by following the instruction on what I trusted as real supplier was : It is impossible that the address of the beneficiary is the same like the real supplier I am aware of my terrible mistake but it was the XXXX  time payment to this supplier and I was thinking I had to follow their instruction As today I have engaged a lawyer in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX NY XXXX Ph. XXXX ) and he has already written few letters to JPMorgan, but they insist on the fact that the money belong to the criminal even if on hold they never mention anything about their internal investigation which will definitely prove my reasons. 
All I need is a jurisdictional entity that inform JPMorgan on this case so that my lawyer will be able to act and return the money to me. 
I have already a reference document number with JPMorgan BY EMAIL ( XXXX ) Chase XXXX XXXX ( Mail XXXX XXXX ) XXXX XXXX XXXX XXXX, OH XXXX Re : Case No. XXXX -- Ample Sun Trading Limited -- Refund of Proceeds of Fraudulent Wire Transfer For any further information I will be happy to share, my email address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Thank you for your great job
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bridgecrest Acceptance Corporation (MI)

I am unaware of this debt I did not have the opportunity to dispute this debt correctly, I did not receive proper notification, if indeed you believe i have received proper notification of this debt, please provide copy of the certified mail receipt with my signature on there saying i received it.
Consumer complaint received 2024-07-31
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Fees charged
Company: Data Mortgage Inc. (FL)

XXXXXXXX XXXX  sold my mortgage to Essex and never let me know, I was receiving several bills to pay mortgages from several companies so I assumed it was a scam. I called Essex who had sent me a bill and they had no information in the system. It wasnt until after XX/XX/XXXX that my portal was available and I finally called the direct number to essex and my info was in the automated system. The lady told me dont worry I had until XXXX before any late fees would be assessed. At this time i paid {$3000.00} because that is what i was told to pay at closing that is what i received a bill for and I was told that my first and second mortgage were included in one payment. Mind you I have no separate payment stubs in my paperwork for to pay my second mortgage separately. I additionally asked them this at closing and they assured me it was included all in one payment. They showed me the payment stub and said see this is what you send in. I sent it in just like that to XXXX they never check their XXXX XXXX so it just sat there for weeks, so ireceived a final notice via email from essex and thats when i called and found out XXXX  sold my mortgage, so i cancelled the check and paid on the online portal the XXXX not knowing they sent over the payment info wrong and Essex separated it and did not tell me also my insurance was almost cancelled because essex deliberately took to long to get my account setup all the while they are telling me dont worry i have until XXXX there would be no fees so dont worry We have plenty of time to correct this.
Consumer complaint received 2024-07-31
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Spring Oaks Capital, LLC (NJ)

I am filing a complaint against Spring Oaks Capital LLC for their repeated failure to provide proper validation of a debt they are attempting to collect, and for reporting inaccurate information to the credit bureaus. 

Details of the Issue : Lack of Proper Licensing : Spring Oaks Capital LLC does not possess the necessary license to collect debts in the state of New Jersey. According to New Jersey state law, debt collectors must be licensed to operate within the state. Spring Oaks Capital LLC 's lack of licensing renders their collection activities illegal and invalid. 

Failure to Provide Adequate Validation : Despite multiple requests for validation, Spring Oaks Capital LLC has failed to provide proper documentation as required by the Fair Debt Collection Practices Act ( FDCPA ). They have only provided a standard account summary, which does not meet the legal requirements for debt validation. Specifically, they have not provided : The original signed contract with the original creditor. 

A complete payment history. 

Proof of assignment or ownership of the debt by Spring Oaks Capital LLC. 
Instead, Spring Oaks Capital LLC has repeatedly provided the same insufficient form that does not constitute valid proof of debt. This form does not address my request for proper validation and fails to meet the standards set by the FDCPA. 

Continued Reporting of Disputed Debt : Spring Oaks Capital LLC has continued to verify the debt with the credit bureaus without providing proper validation. This is a direct violation of the FDCPA, 15 U.S. Code 1692g, which requires debt collectors to cease collection activities until the debt is validated.

Impact : The actions of Spring Oaks Capital LLC have caused significant stress and financial hardship by negatively impacting my credit score with inaccurate information.