davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southern Management Systems Inc. (FL)

Southern Managament third party for ( XXXX XXXX/ XXXX XXXX ) attempted to claim their is a balance due for {$9100.00} for a apartment I rented in XXXX XXXX Florida XXXX I moved out of the apartment for job relocation. I provied them all information they needed include written letter i was leaving. date included. I forefitted all security deposit as well as i paid the rent for the time the apartment was not rented which was two months. 

Their claiming their were damages of this amount for the apartment. The apartment complex never notified me of this owned amount. I received harrassing calls begining 12 months after leaving stating this debt was owned. I communicated several attempts with this collection agency to provide the proof of information that would validate the debt. They flat out refused- any settlement offers i have made during that time of XXXX-XX/XX/XXXX they refused. Even offered settlement when they could not prove the debt or the details of damages. I contacted the property manager myself and went to property in which they no longer had any information or record of me living there and could not provide information either. 

I submited a dispute with XXXX  in XX/XX/XXXX via online dispute stated the dispute was closed- however I did not realize this was stated the dispute was already closed when it goes into collection. I was attempting to resolve this and have it removed was the purpose so i choose the wrong tactic on website. The company is called Souther Management Company. 

I have been attempting to resolve this debt for over 7 years. This company in the beginning called and harrassed and threaten to damage credit report, hold funds, hold tax returns, contact banking center i bank with and withdrawl money. I have not been in contact with them because of their bullying tactics. 
They have never sent information to me concerning this debt- or the detailed report i have asked for several times. I receive one email from them stating that the debt was valid but no other information.
Consumer complaint received 2018-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Prosper Marketplace, Inc. (CO)

On XX/XX/XXXX, After i had fallen behind on my load payments due to a hardship suffered in my family. I tried make arrangements with Prosper Marketplace concerning my account but they were unable to help me.on XX/XX/XXXX, I sent Prosper Marketplace a letter that the information that they listed on my account was disputed. Nothing was received back from them. 
I enlisted XXXX XXXX XXXX to help me settle my account. They were able to negotiate a settlement for my account and after 12 successful payments to Prosper Marketplace thru XXXX XXXX XXXX the account was settled/resolved and paid off on XX/XX/XXXX.
Consumer complaint received 2018-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (WI)

I have a car loan with Chase Bank. They have not reported the on time, full payments I have made to them for over two years. They have also marked my account derogatory to the credit bureaus AFTER I submitted requests to have accurate information reported. I have never missed a payment and I have never submitted a payment late. I have been trying to get this resolved over the phone and in person with three different bank managers and none will give me any assistance. They have also stopped sending me any kind of paperwork/emails about my account and payments made.
Consumer complaint received 2018-06-03
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. (MI)

Included in my 39 page complaint. Equifax re ages alleged XXXX Charge Off account. XXXX  report attached. I have a XXXX credit score with XXXX and Equifax violation of laws is intentional causing DOCUMENTED emotional and financial hardship. Loss of credit and ability to obtain credit. Equifax has deleted Charge off XXXX account 5 times and re places on my credit report without notification or notification of re insertion. No XXXX  UCC11 SHOWS my name under no debt owed. Certified copy from the state of Michigan shall be available within two weeks. I have Equifax on 5 FEDERAL VILOATIONS OF THE FCRA act, Attorney General of XXXX   has been notified 3 times now of Equifax 's violations. Will be taking further action if not removed permanently.
Consumer complaint received 2018-06-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (AR)

I was contacted by a Man through text message and by phone saying he was with a Loan Company by the name of 1Main Financial .... He told me I was approved of this Loan But I needed to purchase Insurance, In Case I wasn't able to pay out the Loan .. He requested I purchase a {$200.00} XXXX XXXX Card .... That was going to be used for Insurance ... I Have Reciept of that purchase ... After talking to this Man, 15 mins he stated I needed to pay Taxes on this Loan Money ... .. I Then knew it had to be a Scam .... He stated he lived in a Tax Free State .... Haha ... I have a phone recording of him saying he will be taking money out of my account! I NEVER received any Money ... .. What can I do?
Consumer complaint received 2018-06-03
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

On XX/XX/XXXX, five purchases were made at five different XXXX XXXX  stores in XXXX and XXXX in amounts ranging from {$420.00} to {$740.00} on my Bank of America Visa. I live in XXXX   and all of my previous XXXX XXXX purchased have occurred at the same XXXX store or on-line. On the same day, BofA notified me via text that an unauthorized purchase had occurred on my card and asked whether I approved the purchase. I responded that it was not authorized. The next day I spoke with BofA. They issued me a new card and said the five transactions would remain pending while under reviewed for fraud. 

I thought all had been resolved. I also received a letter dated XX/XX/XXXX, BofA sent me a letter stating, " You reported one or more charges or cash transactions that were attempted, but the unauthorized attempts were unsuccessful. '' But then, on XX/XX/XXXX, BofA reversed only two of the five charges. The three remaining transactions were for {$420.00}, {$530.00} and {$680.00}. 

I spoke to customer service again, and they stated that I am responsible for three of the charges since they were " chip authorized. '' My card was never out of my possession, which means the chip used for these transactions was on a forged card. They suggested that I contact each of the XXXX XXXX in question and ask the managers to review their transaction that day to see what was purchased as well as review the security camera footage to see who made the purchase. I could also call my local police department to file a fraud report. 

When I requested copies of the sales slips so that I would be better informed when calling these XXXX XXXX and the police department, I received this computer-generated response for all three : " We're unable to request a copy of the {$680.00} [ {$530.00} ] [ {$420.00} ] sales draft from XXXX XXXX XXXX. Our records indicate that this transaction has already been placed into dispute. '' I was then told that it was up to XXXX to release that information, and it could take at least 30 days for them to consider releasing the information. This all seemed like a process my credit card company should be doing on my behalf. They have basically wiped their hands of it and said good luck. 

I am now in the process of reaching out to my local police department so they can coordinate claims with three different police departments in XXXX and calling XXXX XXXX and XXXX corporate to make them aware of the use of fraudulent chip-enabled cards circulating in that area. Such a fabulous use of my time when we were all promised that the new chips would reduce fraud!
Consumer complaint received 2018-06-03
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: National Commercial Services, Inc (MA)

NCS debt collection violates FCRA by furnishing outdated account information and misleading the credit reporting agencies which in turn continue to report derogatory consumer information. 
NCS falsifies the information to re-age the account to continue to report it as negative while it well passed the seven years a timeframe allowed for such reporting. 
NCS failed to validate the account details and fraudulently changing the dates. 

Specifically, the account in dispute, which was put to collection in XX/XX/XXXX after a short sale ( aka " charge off '' ), continues to appear in credit history NOW, 11 ( eleven!! ) years after as negative and derogatory record despite seven ( 7 ) years allowed by FCRA. 

In response to consumer 's request for investigation NCS intentionally failed to properly validate this debt DATES but intentionally furnished CRA with false information about dates of last payment from XX/XX/XXXX to make it appear 'NEW '. Due to such illegal purposeful manipulation this debt renewed and set to disappear from the cred report in XX/XX/XXXX - that is 12 ( twelve ) years from the original collection. 

Such misleading and fraudulent practices on behalf of NCS is a direct violation of Fair Consumer Reporting Act. This practice of reporting an outdated negative information must be promptly investigated and stopped immediately.
Consumer complaint received 2018-06-03
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: Early Warning Services, LLC (FL)

This situation has been going on for since XX/XX/XXXX we are now in XX/XX/XXXX. I have told XXXX XXXX time and time again that someone used my information to apply for a student loan with XXXX XXXX and I found out about it this year XX/XX/XXXX after opening my account with XXXX XXXX. Apparently, because the person who used my identity in applying for a loan also fraudulently used someone elses information as a co-signer, they put a negative record on my Early Warnings Services Report. ( I will attach the letter ) The loan application number appears as an account number but when I contact XXXX XXXX they tell me it is the student loan application which is XXXX. I have filed a report at identitytheft.gov and provided them with the the report and case number XXXX ( I will upload that as well ).  XXXX XXXX is telling me that that is not enough and i need file a police report with my local police department. Mind you this application was done online so that would be of no help at all. I have disputed with early warnings twice and XXXX XXXX seems to keep deeming the information accurate so now I am contacting you guys CFPB to Ask XXXX XXXX to either provide proof that this was me that applied for the student loan fraudulently or remove the negative record from my early warnings report immediately as I am being held accountable illegally. I will be taking further action against XXXX XXXX if I am refused a response.
Consumer complaint received 2018-06-03
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: Bread Financial Holdings, Inc. (MA)

On XX/XX/XXXX I filed a dispute of a charge by XXXX XXXX. On XX/XX/XXXX, I had purchased two XXXX XXXX shoes and a vintage coat for a total of {$490.00} using paypal credit. When I received the first pair of shoes, as all items shipped separately, they were obvious fakes, so I returned them on XX/XX/XXXX, out of pocket and return receipt requested because the company states they do not accept returns. The company continued to try to ship both shoes to me and I refused all following deliveries with XXXX from the company. I received notice from the company that the coat was no longer available, and they would refund me for this item. 

I have sent paypal a copy of the receipt from the post office. I've tried to forward the emails from the company about the coat, and confirmation that the shoes could not be delivered, but paypal does not accept .doc files. I tried copy and pasting all this info into their message center, but their message center does not work properly. I have contacted paypal numerous times about this issue. On XX/XX/XXXX, paypal closed my case, stating they had decided in the vendors favor. 

I appealed the case the same day, talked to a XXXX from the resolution center, who helped me upload the receipt for the return again. Paypal is aware that I have none of the items purchased in my possession. I've just on XX/XX/XXXX received notice from the by email that they have closed my case again, per my instructions. I have never instructed them to close the case.

Paypal has stone walled me at every point about this dispute and it is clear that contacting them again will be fruitless.
Consumer complaint received 2018-06-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Commonwealth Financial Systems, Inc. (OH)

Have contact both party 's involved numerous times still no resolution. The problem is that it's a medical bill that was discharged in bankruptcy in XX/XX/2014. Appears on my XXXX credit report as in collections with Common wealth Financial ( XXXX XXXX ) Head supervisor XXXX extension XXXX. It has been dismissed through Common Wealth Financial I  currently have no open accounts with them. Bankruptcy was final in XX/XX/2014. XXXX will not remove it off of my credit report I have contacted them give them the number of the XXXX person in charge at Commonwealth where the he said he would talk to them personally and have them remove it they would not contact him. I've been dealing with this for two months now on my credit report I have called a gazillion times I have documentation of every time I have contacted both. The account is in the amount of {$250.00}. Bankruptcy was closed XX/XX/2014 I've given them both parties all the documentation Commonwealth has no open accounts. Supervisor that I contacted from XXXX was XXXX who would not take care of it he said it was out of his hands. At this point I have no idea what else to do where else to turn. Hopefully I can get some satisfaction through you.
Consumer complaint received 2018-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

After reviewing my credit report I noticed a late payment status dated 3.5 years ago on my XXXX XXXX XXXX XXXX. This is NOT correct. I have never been late on my payments ever.
Consumer complaint received 2017-06-15
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. (SC)

I HAVE SENT  XXXX XXXX SEVERAL CERTIFIED LETTERS. THE LAST ONE I SENT WHICH WAS X/XX/17(2  MOTHS AGO) I SPECIFICALLY STATED TO PROVIDE ME WITH THE RECORDS AND DOCUMENTATION THEY USED TO VERIFY THE NEGATIVE AND BOGUS INFORMATION AS ACCURATE UNDER THE DISPUTE MADE WITH THE CREDIT BUREAUS. I ALSO WENT INTO THE BRANCH WHERE OBTAINED THE LOAN AND THEY DIDNT HAVE ANY RECORDS/STATEMENTS TO GIVE ME!!!! I NEEDED TO SEE MY CONTRACT FOR THE TERMS AND CONDITION,LENGTH OF THE LOAN ETC ALSO MY PAY HISTORY BUT OF COURSE NEITHER HEADQUARTERS OR BRANCH COULDNT PROVIDE ME ANYTHING BUT STILL REPORTING FALSE INFO TO THESE CREDIT BUREAUS WHICH IS HURTING ME MENTALLY, PHYISCALLY AND FINANCIALLY!!!
I HAVE ATTACHED THE CREDIT REPORT FROM XXXX AND XXXX. XXXX XXXX STATED THAT MY REMAINING BALANCE IS $XXXX. IF I PAID $XXXX ON TIME FOR XXXX & XXXX THE BALANCE IS ABOUT $XXXX. I NEED THIS ACCOUNT INVESTIGATED ALONG WITH MY CONTRACT, PAY HISTORY AND TERMS ASAP!!!! PLEASE DO NOT SEND ME ANY FALSE INFORMATION!!!
THIS IS THE LAST TIME I WILL BE ASKING TO HAVE THIS ACCOUNT REMOVE
FROM ALL 3 CREDIT BUREAUS . MY NEXT STEP IS SUING ACCORDING TO FCRA!!!!
Consumer complaint received 2018-06-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

BANK OF AMERICA is reporting a claim on my credit report which is showing as a closed derogatory charge-off with {$600.00} balance, which I believe is inaccurate. 

I've sent two certified letters to the company. The first one was delivered on XX/XX/XXXX- with no reply, no requested documents provided, no validation of the account & did not mark the account as disputed with the credit bureaus with the legal time frame of 30 days, as stated and outlined in the FRCA. 

In my letters I requested validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. In which I requested the " validation '' ; to be competent evidence bearing my signature, showing that I have ( or ever had ) some contractual agreement with the company ( which is my legal right as a consumer ). 

I also made the company aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from their company or any company that they represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if they can not validate the account, then they must request that all credit reporting agencies delete the entry. 

The second letter was delivered XX/XX/XXXX, 30+ days after the initial letter requesting yet again proof of validation & to advise the company that this was not a refusal to pay, but a notice that the claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the account they are reporting to the bureaus. And requested proof that I am indeed the party responsible for the debt & the derogatory account that they are reporting on, and that there is some contractual obligation that is binding on me to this account. 
In addition, I made clear that the letter is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. 

As of today, the account, balance & derogatory marks are still being reported to the bureaus and no validation of the account being mine has been provided, sent, or followed up on. 

I have attached to this complaint the certified letters I sent to the company, copy of the 2 delivery confirmation receipt, & information/account status being reported by the company to XXXX, XXXX  & XXXX as of XX/XX/2018.
Consumer complaint received 2018-06-03
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: AMERICAN HONDA FINANCE CORP (CA)

XXXX XXXX XXXX  XXXX, employee XXXX XXXX ( internet sales manager ) discriminated against me based off of my credit report/score. He told me nobody called me back ( in person in front of my face/spouse and minor child ) from XXXX XXXX ( after being promised a call back in XX/XX/2018 ) because my credit was bad, stating that nobody wanted to deal with me. After calling XXXX XXXX for three days I finally got someone XXXX on the line, who I told I would report his behavior and attitude to his General Manager while speaking to him on the phone, he then began to tell me he had good news that day ... I declined the deal, actually coming in today with a spouse to co sign. Keep in mind we never signed any documents to consent for the credit check which is concerning. XXXX went on to degrading me verbally the entire evening, constantly saying that my " bad credit '' was the reason nobody in the dealership called me back. He cursed all night long, even trying to force my spouse to agree to a contract she did not agree to. He even stated that he would not forward our application to Honda Financial unless we agreed to the service contract/GAP insurance, attempting to manipulate us to agree with his terms, constantly telling us Honda will deny a deal unless the extended warranty was opted in by us. 

XXXX repeatedly talked me down in front of my spouse, telling her that the extended warranty protected her from me because based on my credit I would default payments, damaging her credit, according to XXXX. He even told me to apply elsewhere, telling me to " go to your bank maybe they will approve you since you do not want the extended warranty added. '' Pre judging the joint application as if he was a legal licensed loan department representative. I am extremely offended and concerned with this behavior displayed tonight by this employee of XXXX XXXX XXXX XXXX, California. I do not understand why me and my spouse were discouraged from proceeding with having our information submitted to Honda Financial.  Please advise.
Consumer complaint received 2018-06-03
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. (FL)

During the XXXX XXXX my tenants left without notice, I called the bank and I asked for a repayment plant for the month of XX/XX/XXXX, I was not late when I called. The suppose to give a repayment plan without affecting my credit but they lied not only that they charged me for a fee that I didnt agreed upon. I called several times XXXX I kept receiving these late fees letters and everytime I called I was told the repayment plan will take care of it that I wasnt being charged form them. I made my last payment in XX/XX/XXXX. My credit score went down 31 points thats when I found out they reported late payments. Im very disappointed, I complaint and they suppose to start an investigation but apparently that was never done. They are cheaters and liers they dont have a good customer service most of them dont know even simple math. They need to be investigated they dont even seem a serious bank. My loan was sold to them by my bank and at this point I cant even refinance with other bank because of the bad report. I havent been late with a mortgage payment in many years I believe they did this in porpoise because I threaten them with leaving the bank. Thank you