davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-30
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Phoenix Recovery Group (TX)

XXXX Apartments XXXX XXXX XXXX XXXX XXXX, Tx XXXX ( XXXX ) I gave them notice before the first that I was moving out and my new lease did not start until XXXX XXXX. In their notes they lied and said that it was XX/XX/XXXX. Finally, the manager called back and said that I actually did call them prior to me moving out and that I did give them notice. The manager said that she could have charged for me a whole year of rent if she wanted to. This is a bullying tactic. In the state of Texas you can't double dip. If she had rented that apartment unit out for the whole year that she was threatening me for, then that is considered double dipping, which is considered fraud. The collection agency is contacting them to see if they did in fact rent the unit out immediately after I moved out, and if so then it is fraud.
Consumer complaint received 2024-01-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C. (TX)

I have sent several certified dispute letters to Trident Asset Management regarding an alleged debt they say I owe in the amount of {$520.00}. Trident Asset Management has illegally submitted a false debt to the credit reporting agencies without notifying me in writing of the debt. They have also failed to respond to letters demanding validation of the alleged debt such as providing a promissory note, contract or agreement bearing my signature which holds me legally responsible for this alleged debt. Trident Asset Management has failed to validate the alleged debt which is a violation under the FDCPA.
Consumer complaint received 2024-07-30
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: PNC Bank N.A. (AZ)

I logged into my bank and noticed one of my cards was no longer on my dashboard, i called PNC bank and they told me that they closed my card due to inactivity. I asked why no notice was given beforehand or else I would have used the card for a small purchase but they said they didnt give a notice. Only notice was sent out two days that the card was now closed. I asked them to reopen it and they said they could not.
Consumer complaint received 2023-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (HI)

My credit card with Citi Bank auto payments were scheduled on XX/XX/XXXX. I had a family emergency and the auto payment to pay statement balance was charged {$5500.00}. I was unable to adjust the amount in time due to a large unpredictable emergency. I needed some of the money back and requested an adjustment or refund of the payment and they refused saying the payment was already processed. I am unable to get my money back and pay additional bills.
Consumer complaint received 2024-07-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc (TN)

I made a purchase on XX/XX/year> for {$160.00} with the merchant XXXX. I never received the order. I have provided documentation of the purchase and the complete conversation with XXXX stating that they are trying to refund me but because Chime has a chargeback request, they would need them to cancel the chargeback and provide documentation specifically stating that the chargeback has been closed. Chime has refused to do so they just keep denying the claim therefore XXXX is not able to assist, and they have advised me that since they will not provide the necessary documentation then Chime is responsible for the refund which they have refused
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

I received a copy of my credit report and found the following items to be in error : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will re-check these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C Sec 1681i ( a ), you must complete this reinvestigation within 30 days and provide me a copy of the original creditor 's documentation file to verify this information is mine. Furthermore, FCRA Sec 609 ( a ) ( 1 ) ( A ) and Sec 611 ( a ) ( 1 ) ( A ) state that the original consumer contract must have my signature. If no proof otherwise Section 611 ( 5 ) ( A ) of the FCRA requires you to promptly delete these items. I demand these items be verified immediately. Thank you kindly.
Consumer complaint received 2024-07-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation (PA)

Traded my car in for a new loan in which the existing loan was paid off at rhe signing of new loan in XX/XX/year>. Theres no way I could possibly be late in XXXX on an old loan that was paid off before XXXX.
Consumer complaint received 2024-07-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC (CA)

Gemini placed a security hold on my account, essentially blocking me from moving my money off the exchange onto a wallet. Over multiple emails they asked me for more and more information and documents and the requests are odd to say the least, irrational even. For example, they actually asked, " Why did you open a Gemini account? '' Stunning.

No reason has been given for the security hold, though I asked for an explanation repeatedly. And I'm loathe to upload more documents to their " safe drop '' thing because recently, when I did that for a different issue, they soon informed me there was a security breach and I needed to close my bank account completely. So I no longer have confidence that the " safe drop '' is " safe. '' I need this to be resolved as quickly as possible. Thank you so much.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: National Credit Systems,Inc. (TN)

Info collected from XXXX XXXX : Acct from National Credit Systems was opened on XX/XX/XXXX. Acct remains open & " joint '' responsibility regarding XXXX XXXX XXXX. 
I have tried numerous times to contact National Credit Systems via phone & email & can not get a response back. Emails go unanswered & phone calls get " transfered '' & voice-mail left time after time & still no response. I also tried calling the apartment complex to discuss any options & was told it was completely out of their hands as they no longer have that account, that it was sent to National Credit Systems. 
There are lots of issues with the entire process. First, the dates are incorrect. Due to covid their office at XXXX was closed for weeks, I had no way of signing the lease the date that is on the lease - I was told to " back-date '' the application. A walk-through was refused b/c of civil as well. So obviously covid was a big deal as it is still referred to as a " global pandemic ''. Due to myself & my roommate ( joint acct ) losing our jobs at separate times we were unable to make the rent. I spoke w/ them about partial payments & they refused- all in full or nothing. Long story short, during covid + I just found out I was XXXX XXXX XXXX XXXX XXXX XXXX  XXXX yes old the complex still somehow still evicted us & charged late fees ontop of other fees during the months. Per the Federal Cares Act late fees between XXXX XXXX XX/XX/XXXX were prohibited + the complex was given a covid relief bailout for renters that were unable to make their rent. So between the dates being incorrect ( dated on a Sun and the complex is closed on Sundays ) on the lease + being charged prohibited late fees + Noone can seem to send me a copy of the lease as well as the bailout they received during the global pandemic & not supposed to be able to evict ppl due to covid I don't understand how this has been an ongoing issue for over 3 years. Noone will answer my calls for information and how I can get this off my report so I can find a place to rent. There are so many inaccuracies regarding this account on different levels that all this negative information on my report is prolonging the hardship that covid started. Federal and state laws were made related to evictions and past due rent etc to prevent this from happening yet it is still being allowed to happen and is very much affecting my credit score as well as my tenant screening report. 
Again, I have tried multiple times to contact National Credit Systems & although they can not contact me back - when I dispute it on XXXX XXXX they can find time to contact them. 
Dates are not correct, charges were added that were prohibited during those months- so many things were done & I need help due to the inaccuracy as well as the negative impact that a global pandemic has caused on my reports and can not find anywhere to rent due to this.
Consumer complaint received 2022-11-24
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. (CA)

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required XXXX XXXX for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with XXXX XXXX accuracy that each account is XXXX XXXX true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. I found that under section 605b ( a ) Experian and XXXX shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX XXXX XXXX after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( XXXX ) Appropriate proof of the identity of the consumer ; ( XXXX ) A copy of an identity theft report ; ( XXXX ) The identification of such information by the consumer ; and ( XXXX ) A statement by the consumer that the information is not information relating to any transaction by the consumer. 

The dispute items do not belong to me. Im attaching the required XXXX XXXX for you ( which complies with FCRA Section 603 ( q ) ( XXXX ) which states ( XXXX ) The term " identity theft report '' has the meaning given that term by rule of the XXXX, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate XXXX XXXX XXXX XXXX XXXX enforcement agency, including the XXXX XXXX XXXXXXXX XXXX XXXX, or such other government agency deemed appropriate by the XXXX ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Please remove/block the disputed items as they were opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$630.00} and XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}.
Consumer complaint received 2024-01-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (MI)

RE : You Violated The United States Code Law 15 U.S. Code 1681 ( 7 ) Description of reinvestigation procedure : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

Reinvestigation procedure was received by Experian on XX/XX/ See certified USPS tracking # XXXX Present day-no description received after 15 days. 

This a violation of my rights and I demand these accounts be deleted per consumer law 15 U.S. Code 1681 ( 7 ).
Consumer complaint received 2024-01-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FLORIDA XXXX XX/XX/XXXX Per the " Fair Credit Reporting Act '' as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal, and nonverbal per 15 U.S. Code Chapter 94 Privacy 6801 - 6809 Subchapter I - DISCLOSURE OF NONPUBLIC PERSONAL INFORMATION. Effective immediately and indefinitely.

Via PRIVACY ACT OF 1974 ( 5 U.S. Code 552a ).

Via 12 CFR Part 1016 - PART 1016PRIVACY OF CONSUMER FINANCIAL INFORMATION ( REGULATION P ).

Via 16 CFR 433.3 - Exemption of sellers taking or receiving open end consumer credit contracts before XX/XX/XXXX from requirements of 433.2 ( a ). 

Via 16 CFR Part 313 - PART 313PRIVACY OF CONSUMER FINANCIAL INFORMATION.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TN)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told XXXX, XXXX, and Equifax to reinvestigate these accounts : 1. Account Name : XXXX XXXX Account XXXX. XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account XXXX. XXXX : XXXX XXXX XXXX XXXX Creditor : XXXX XXXX  ) Account XXXX. XXXX. Account Name : XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) Account XXXX. XXXX Name : XXXX XXXX XXXX Account XXXX. XXXX XXXX : XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX ) Account XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Consumer complaint received 2024-01-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

As I am currently looking for a new home for my family and I, I wanted to make sure that the Credit Reporting Agencies have all accurate information. Upon discovery, I see inconsistencies in the information amongst the top XXXX credit reporting agencies ( XXXX, XXXX, and Experian ). As these companies know 15 USC 1681c ( 1 ) ( a ) ( 4 ) states that no accounts placed for collections shall be included in the consumer report. XXXX, XXXX and Experian has not received any written expressed consent from me, the consumer, in fact, XXXX XXXX, granting permissions for inaccurate information to be on my consumer report. I have been in dispute with the 3 credit reporting agencies for over a month with accounts coming back verified and I never verified any information which is also a stipulation under the FCRA. I have requested this information from the furnishers as well as the agencies.
Consumer complaint received 2024-07-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

My financial information has been compromised. My wallet was lost in 2016. I have received letters, & inquiries on accounts that are not mine. Even when im on vacation inquires come through. I need all credit bureaus to validate all accounts present on my report. I would like for each bureau to remove erroneous addresses and items that have past the statues of limitations.
Consumer complaint received 2023-12-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: KEYCORP (CT)

Was notified on XX/XX/ that two checks of mine where cashed twice by a former employer I let my bank know they issued a restriction on my account. That restriction was taken off shortly after then put back on again. I have spoken with them everyday to find out why. The bank allowed the checks to be deposited twice and have since froze my account cause I let them know about it. It's a system error but they froze my account for it. I have spoken to many people and nobody can give me a straight answer. Essentially they froze for fraud committed against myself for putting money in my account saying I committed fraud against me
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 23. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX XXXX XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 24. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX XXXX XXXX XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 25. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 26. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX XXXX XXXX  Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 27. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX XXXX XXXX  Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 28. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX XXXX XXXX  Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 29. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 30. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX XXXX XXXXXXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report
Consumer complaint received 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
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 — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

I want your help to remove this bankruptcy in my credit report because this is not okay and Bankruptcy should not be reported in my credit report as said by the Court and you don't even have the means to make sure that you are reporting this correctly!