davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-05
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commercial Credit Counseling Services Inc. (AZ)

I attempted to resolve & negotiate credit debts thru Corporate Turnaround back in XXXX of XXXX. I provided all amounts owed with contacts including phone numbers, account numbers & balance owed. At that point they started deducting {$1600.00} a month, as the months went by I started receiving collection notes, then it went on to more aggressive means as I started getting served by the courts for creditors that had been provided to CT when they started receiving funds. I sent all summons & letters to CT believing they are handling my accounts for me. I started questioning what is going on & why did it get to the point of me getting served by the courts when CT has been deducting funds to negotiate & pay my creditors for many months ( about a year almost ). I asked for reports for many months from XXXX XXXX in which I would never get anything sent as to what the progress was. I requested many times for report as to what was paid to creditors. I finally received a report XX/XX/XXXX from XXXX who stated he was the new account rep, I immediately explained to him my concerns & wanted an explanation of where my funds have gone. XXXX sent report reflecting {$18000.00} that CT had deducted from our account. The report reflects CT is holding on to almost 50 % of the funds due to inactive debt which XXXX explained these are accounts that closed with no effort to reach out to my creditor. I took it upon myself to call all creditors & they said no one from CT has ever reached out to them to negotiate, they had no idea any company was involved to negotiate debt or work out a payment. The only ones who did get a call was XXXX, XXXX XXXX XXXX out of 8 creditors that where submitted. I have requested to date from CT to provide me with what exactly was paid & to which creditor it was paid to. I am still waiting for the report. It makes no sense for me to get served more than 3 times by the court when CT should have been handling all the creditors from the get go. Now as a result of CT negligence the balances & fees with these companies are much higher than when I submitted, they have caused more issues & made the debt worse then it was before I started out. They did not provide the services they advertise for debt relief, they made my situation worse. I need CT to take accountability & resolve the debts with the {$18000.00} they have received so far & provide proof they have resolved my debt with a feasible debt solution.
Consumer complaint received 2020-05-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eastern Account Systems of Connecticut, Inc. (CT)

Eastern Account System Inc. is reporting a collection account in my credit report that was paid on-time to XXXX XXXX XXXX the original owner. The account was paid with a XXXX  XXXX XXXX check # XXXX. This check was sent to XXXX  XXXX XXXX on XX/XX/2019. They cashed the check with a XXXX XXXX  account XXXX. I have made several dispute with XXXX  and the account was get updated as paid, however this account doesn't belong to me since it was paid on-time to the original owner. I have sent letters to Eastern Account System Inc. demanding that they remove the inaccurate from XXXX credit report but nothing has been done. They have remove the inaccurate reporting on XXXX  and XXXX, but not on XXXX.
Consumer complaint received 2020-05-05
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IL)

Hello, I am writing in regard to {$8000.00} which is currently missing from my bank account. I will try my best to provide a timeline as followed : XX/XX/XXXX I sent {$8000.00} to XXXX XXXX from Chase bank. The money was not immediately received and so I had to open a claim with Chase. They provided me with temporary credit. Afterwards, the credit was reversed. On XX/XX/XXXX, {$8000.00} was deposited into my XXXX XXXX account. On XX/XX/XXXX, the {$8000.00} was reversed back to Chase. This is all the information I that I have access to according to my bank statements. 

I am beyond upset at the lack of help and understanding that I have gotten from Chase. Each time I have called, I had to explain my case to a different person and while some tried to help some were very dismissive. I am told that XXXX XXXX has my money now but they claim that they do not have it. 

I do not want to pursue legal action but I also do not know what else I can do at this point. 

Thank you
Consumer complaint received 2020-05-06
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: Experian Information Solutions Inc. (OH)

To Whom It May Concern, The reason for my dispute is XXXX XXXX XXXX XXXX XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX   XXXX XXXX failed to give me my " Mini- Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under S i 807 ( 1 ) XXXX XXXX  XXXX XXXX XXXX ( 1 ) XXXX XXXX   XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX XXXX XXXX XXXX- is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where ABILITY RECOVERY SERVICES is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.XXXX XXXX XXXX XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Consumer complaint received 2020-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

Improper use on credit report and its dropping my credit I just want it removed it wasnt me at all. Whoever these banks and finance companies are improperly using my credit
Consumer complaint received 2023-04-26
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. (TX)

First there is no record of my original complaint, so this is the second one to report. I have disputed my old accounts with all three credit bureaus recently. XXXX and XXXX have cleared my accounts as they were 7 years old in Texas. I can not get Equifax to do the same. I sent them the same information and documentation for the accounts that are aging. They will not delete the accounts as they say they were verified and updated. I have an old credit report stating the accounts are to be removed XX/XX/2023 and XX/XX/2023 but they come up with a date of XXXX or XX/XX/2023. I have just sent letters to XXXX XXXX XXXX and XXXX XXXX XXXX to validate the accounts.
Consumer complaint received 2020-05-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: N26 Inc. (CA)

N26 bank has frozen my account with about {$17000.00} on it. Nobody in the bank can provide any information or timeline, it has been 3 weeks and this is causing severe consequences as this is a significant portion of my funds. 

I've opened an account in the beginning of XXXX following identity verification. I have received a paycheck and relocation allowance from my employer who is a large tech company. After attempting an ACH transfer to my linked external account with XXXX ( in my name ), the bank has declined this operation and has frozen my account without notice. 

I've spent countless hours on the phone offering to provide any documentation regarding transactions, but they would not request anything, not provide any timelines on when I might be able to use my money again. There is no one I can speak to regarding this issue at all.
Consumer complaint received 2020-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: I.C. System, Inc. (NJ)

I wrote written requests along with VERBAL requests to this company to cancel this policy last year. It is now that they are reporting to the credit bureaus with a balance. Unacceptable and FRAUD. 

THere is a fraud alert placed on my account and by no means did I have a policy with them that accrued a balance. I will attach a picture of my email.
Consumer complaint received 2020-05-06
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. (FL)

Someone opened services with XXXX XXXX in my name without my knowledge. I sent the paperwork to XXXX and at the time the removed it off my credit report. However now some other company is listing this as mine and I was a victim of Fraud which was already proven some time ago. This XXXX XXXX XXXX in the amount of {$110.00} IS NOT MINE
Consumer complaint received 2020-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Onity Group Inc. (MO)

When Covid-19 hit, we were unsure if payments would be made on our home mortgage, I called them and they graciously extended 90 days due to the crisis - called forbearance- noting that full payment must be made for the three months plus the month coming, which I agreed would be fine. I recently checked my credit score and noted that the forbearance was reported and it dropped my credit score by 30 points. This is cruel and unusual punishment for a person who has NEVER missed a payment, EVER. Plus, we had decided to go ahead and bring our account current by making two payments on XX/XX/XXXX, and today, I received a call from the mortgage company wanting to know what we were going to do XX/XX/XXXX. I'm upset on two fronts that calls were made in an attempt to collect a debt that was already paid current - plus, taking a credit report hit that was totally undeserved since the entire country is in a crisis ... ... .just thinking that these actions were not only uncalled for but very unfair to my personal credit and I would like to have satisfaction on this complaint by way of punitive measures against PHH or XXXX, whichever is claiming ownership at this time - maybe even a monetary penalty as well. Needless to say, I will be looking to refi with a different company asap. 

I own and operate a XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) and my personal credit drives many decisions that our vendors make regarding extending credit to my XXXX  - this negatively impacts not only me, but my XXXX  and it's 10 employees. The ripple effect is very strong in my eyes, and this action damaged myself and my XXXX.
Consumer complaint received 2020-05-05
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (RI)

I recently received an incredibly threatening letter from XXXX XXXX XXXX on behalf of Ace-Inc threatening to sue me, go into my bank accounts, etc. I believe that they called me recently, and Ace Cash Express has called me a number of times over the past couple of years. I took out a payday loan with them about 7 or more years ago and the amount they claim was not what I took out. The email they sent says that I took out {$300.00} but payday loans are usually {$250.00}. What's troubling is that they have my SS, birthdate, addresses, phone number, etc. I'm pretty certain that I included this loan in my bankruptcy around the same time. The recent document is threatening to sue me, and worse. I XXXX XXXX and it says it's a scam. Many people posted that they received the exact same template letter with the same threats. I am very concerned because they have my SS, etc. and license number. I believe that years ago ACE CASH EXPRESS had a data breach and now someone has my info. They threaten to freeze my bank account, contact the IRS, etc. The thing is that none of this is on my credit report so I believe it's a total scam!!! This also is past the statute of limitations in CA which is 4 years. The document says they are suing me for {$11000.00} for one payday loan. I have not responded and most certainly won't. How do I protect myself now that they have my identity? They are claiming that they will file a judgment against me! This is nonsense! I looked up XXXX XXXX XXXX XXXX XXXX and it looks like a credit repair company which helps consumers, not a debt collector! Something is very fishy!
Consumer complaint received 2020-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (CA)

To whom it may concern, I have a Costco Citi Credit Card, card was current and paid in full and in good standing. In XXXX and XXXX of 2019 I missed two payments back to back on my Costco Citi Credit Card. The reason why was my costco membership was automatically charged onto my credit card and I wasn't aware. As soon as I became aware I made a payment in full to bring my account current. These negative remarks are hurting my credit score from all three major credit bureau 's.
Consumer complaint received 2022-09-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (DE)

On Saturday, XX/XX/2022, I initiated an " INSTANT DEPOSIT '' from my XXXX  TO my PNC JOINT Checking account, in the amount of {$86.00}. 

Between XXXX and PNC, I'm NOT getting ANY REAL answers or satisfactory resolutions. PNC on Saturday DID acknowledge an " issue '' with " 3rd Party payment applications platforms '' ; or some convenient XXXX like that. The issue was SUPPOSED to have been " resolved '' by now, and the FUNDS CREDITED. Really? I'm seeing NOTHING to that effect AT ALL. 

So the question is, WHERE IS THAT MONEY, and WHEN will it be CREDITED to our account? 

SOMEONE SOMEWHERE has that money, I'm convinced. 

Now, our checking account is running in the NEGATIVE, and one recurring debit card bill payment was DECLINED just TODAY for " insufficient funds ''. This would NOT have happened had that money been TIMELY CREDITED to our account. So what now? We have to incur FEES for insufficient funds when this issue is clearly NOT mine nor my husband 's FAULT?! We DON'T THINK SO! 

FIND THE MONEY AND CREDIT the same, PERIOD!
Consumer complaint received 2023-11-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 2020-05-05
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. (TX)

XXXX XXXX XXXX XXXX Account : XXXX Payments XX/XX/XXXX - XX/XX/XXXX The payments on the account are reflecting that every month the payment was 30 days late due to an error in their system when they provided an extension on XX/XX/XXXX. This has caused me to be denied for a loan for my primary residence and I am upset that company fradulently has been reporting my information for over 16 payments. I attempted to correct this with the company and they requested for me to submit the request to CFPB directly to correct the issues with my account.
Consumer complaint received 2020-05-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

To Whom It May Concern, The reason for my dispute is XXXX XXXX  XXXX XXXX XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX   XXXX XXXX failed to give me my " Mini- Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under S i 807 ( 1 ) XXXX XXXX  XXXX XXXX Section807 ( 1 ) XXXX XXXX   XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX XXXX XXXX XXXX- is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where ABILITY RECOVERY SERVICES is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit reportXXXX XXXX XXXX XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Consumer complaint received 2020-05-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMERICAN ADJUSTMENT BUREAU,INC. (CT)

This complaint is based on violations of the FDCPA and FCRA by this debt collector, American Adjustment Bureau ( AAB ). 

XXXX XXXX XX/XX/XXXX, I reviewed my credit reports and saw a collection account reported by this debt collector. I was never aware of this account so I had no opportunity to dispute the debt until this point. 

XXXX XXXX XX/XX/XXXX, I disputed the debt directly with this debt collector by certified mail. I asked them to validate the debt. 

___ At no time did this debt collector respond to my letter or validate this debt. 

XXXX XXXX XX/XX/XXXX, I disputed the account with the credit bureaus. 

XXXX Over the next 30-days, I received the results of the re-investigations from the credit bureaus. This debt collector falsely verified the account on my credit reports while they never validated the debt. 

___Based on the aforementioned facts, AAB engaged in following violations of the FDCPA and FCRA. 

___ ( a ) Violation of the FDCPA 15 USC 1692g ( b ) in that they failed to cease collection of the debt by verifying the account to the credit bureaus before it was validated. Here is case law on this : Until the debt was verified, all further attempts to collect on the debt, including defendants XX/XX/XXXX letter and any subsequent reports to the credit reporting agencies, violated 1692g ( b ). Semper v. JBC Legal Group, 2005 WL 2172377, *4 ( W.D. Wash. 2005 ). 

___ ( b ) Violation of the FCRA 15 USC 1681s-2 ( b ) in that they failed to conduct a reasonable investigation of my dispute thru the credit bureaus as they did not have validation of debt to do so. Here is case law on this : A jury could also find that because [ the debt collector ] retained the right to seek account-level documentation through its agreements with [ the creditor ] [ it ] behaved unreasonably when it reported the accounts as verified without first exercising those rights. Hinkle v. Midland Credit Management , Inc., et al No. 3:2013cv00033 ( S.D. Ga. 2015 ).
Consumer complaint received 2020-05-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Credit Bureau, Inc. (FL)

Hi my XXXX XXXX XXXX XXXX with all my name XXXX last name on my passport and SOCIAL SECURITY, some people have the las name and name but with no my XXXX And some collection report to my Credit report so please I need you us held with this please on soon posible
Consumer complaint received 2020-05-05
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. (CA)

I was made aware of some suspicious accounts and inquiries that are on my credit report today XX/XX/2020 because I was turned down from getting an auto loan with XXXX XXXX. I found several accounts and inquiries on my credit report that do not belong to me ; I did not open any of the accounts listed on this report nor did I allow anyone to open these accounts in my name. I am not affiliated to any of these companies and I did not benefit anything from these accounts such as money, services, goods or anything else and I did not take part in any purchases or payments made towards these accounts. I have filed a police report and a complaint with the CFPB in regards to these accounts.
Consumer complaint received 2020-05-06
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. (MI)

XXXX I purchased moving services from XXXX XXXX XXXX company, to be performed on XXXX and XXXX. I paid an advance of {$1100.00} towards the total sum of {$4700.00} on XXXX, 4 days prior to my move, the company delayed my moving services to a month later. on XXXX, I cancelled the moving and asked for a refund since they had not delivered on the contracted service date. on XXXX submitted documents of all of the transactions - original purchase for service, and change date, to chase bank for the dispute. Throughout XXXX I called numerous times as Chase requested callbacks to verify information. Each time I was given a completely different answer as to what was needed and the status of the disputes. I provided all documents as requested of me, and Chase completely ignored the fact that XXXX XXXX XXXX has not delivered on the moving service, and is breaking the law by keeping a deposit for services not rendered.