davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-17
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (FL)

This is a follow-up complaint to National Credit Systems ( NCS ) response to my original CFPB complaint # XXXX. 

NCS XX/XX/XXXX response fails to provide any reasoning, legal or otherwise, to substantiate their claim that I owe XXXX XXXX {$2600.00}. NCS provided two file uploads : ( 1 ) a resident ledger account and ( 2 ) an abbreviated form of the lease agreement, which, without explanation, they state proves that I owe this amount. 

Neither of these two files proves any legitimate claim to {$2600.00} for the following reasons. ( 1 ) The resident ledger - property manager XXXX XXXX typing a line item on a piece of paper that I owe rent responsible, or cleaning, or anything else is not in-and-of-itself proof of anything at all. ( 2 ) The abbreviated lease agreement does not contain any provision to substantiate withholding my security deposit for any so-called cleaning costs - and typically Landlords can not charge for normal cleaning attributable to normal wear-and-tear. Furthermore, no Lease provision substantiates the former Landlord charging for any so-called rent responsibility.

The Collection Agent ( NCS ) has a duty to investigate and provide, at a minimum, a basic reasoning to substantiate their claim for {$2600.00} - which they have failed to do. And they have failed to do it, BECAUSE THERE EXISTS NO LEGITIMATE CLAIM FOR THESE FUNDS. 

Out of an abundance of cooperation, I have provided to NCS, in XX/XX/XXXX, relevant sections of the Florida Residential Landlord Tenant Law, which I have again provided here, to demonstrate XXXX obligations under that law, that they have failed to comply with. Specifically, Section 83.595 ( 2 ), by failing to exercise good faith in attempting to re-rent my unit.
Consumer complaint received 2024-05-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC. (DC)

On XX/XX/year>, Robinhood froze my account that had been open with them for around 5 years. I am unable to access the {$3100.00} in the account after I tried to transfer XXXX out of the account. Even though I had had other cryptocurrencies in this account, on this day it was frozen. They then requested that I submit a form of ID, a picture of myself with an ID, and bank statements from other accounts besides Robinhood. I asked that they close my account and send me the balance. This had not been done.
Consumer complaint received 2023-11-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RMS-Recovery Management Services, Inc. (NY)

XXXX XXXX XXXX got in touch with me regarding a debt from XXXX XXXX XXXX  for an emergency loan. On XX/XX/2001, the balance stood at {$7000.00}, but XXXX XXXX agreed to settle the debt for XXXX XXXX XXXX loan for {$4000.00}. I made the payment through their website, with confirmation number XXXX. Later, RMS - Recovery Management Services Inc. contacted me regarding the same emergency loan from XXXX XXXX XXXX  that I had previously settled with XXXX XXXX XXXX. According to RMS, the debt amounted to {$3000.00}, including fees of {$850.00}. I tried to explain to the RMS representative that this debt was already settled as per my agreement with XXXX XXXX XXXX, but she was confrontational and insisted it was a different loan. Despite my efforts, she disregarded my statement and warned me about the potential credit damage if I didn't pay. She hung up the phone without any further explanation as mandated by the law. XXXX XXXX XXXX  considers this loan settled.
Consumer complaint received 2024-05-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

Dear Portfolio Recovery Agencies and it's original creditors ; I demand that this be deleted from my credit report effective today as I do not recognized this account, no knowledge and no prior contractual obligations with this company. You violated my rights rights under 15 USC codes sections 1692 d, e f g of FCRA/FDCPA. Remove from my credit report. You violated 1692d of the FDCPA by engaging in conduct that the natural consequences of which was to harass, oppress, and abuse client in connection with the collection of an alleged debt and the collection letter you sent me which contains veiled and empty threats of legal action ; You violated 1692e of the FDCPA by its use of any false, deceptive, or misleading representation or means in connection with the collection of any debt when you engaged in, at least, the following discrete violations of 1692e ; You violated 1692e ( 2 ) ( A ) of the FDCPA with its false representation of the character, amount, or legal status of any debt and the collection letter you sent me which contains veiled threats of legal action against me, the client ; You violated 1692e ( 5 ) of the FDCPA by its threat to take any action that can not legally be taken or that is not intended to be taken when you sent me the collection letter contains veiled threats of legal action against me, the client ; You violated 1692g ( b ) of the FDCPA by engaging in collection activities that overshadowed or was inconsistent with the disclosure of the consumers right to dispute the debt with the language it used in the Collection Letter ; and You violated 1692f of the FDCPA by its use of unfair or unconscionable means to collect or attempt to collect any debt when you engaged in all of the misconduct alleged herein.
Consumer complaint received 2024-05-17
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: Mr. Cooper Group Inc. (WA)

My complaint is against Mr Cooper Mortgage Company. 

I have been working with Mr Cooper on a VA loan modification for a long long time now & they keep rejecting me. 

Currently they have offered me an improper mortgage modification because they raised the interest rate by 3+ points at the same terms that were left on the old loan of 14 years and the monthly payment was {$2700.00}! 

I am a XXXX veteran and these unreasonable NEW terms they have offered for this modification massively increases my financial hardship and the purpose of this loan was to decrease or eliminate my hardship. Mr. Cooper believes the best thing is to increase my financial and emotional hardship with that kind of a new loan payment of {$2700.00} and a new interest rate raised by 3+ points. 

I can not afford that because it's an illegal and extremely improper loan modification offer that they want me to accept by XX/XX/XXXX. 

They are not responding because they are using illegal strong-arm tactics trying to make me accept or reject their illegal loan offer by XX/XX/XXXX but I have not received a legal and proper loan agreement to accept and they need to help me not hurt me more. 

I have been talking with the VA loan department for assistance and help. 

I am still waiting for a proper and legal modification recommendation from Mr Cooper of at least 30 years, & we even asked for 40 yr. Loan and they just refuse to respond. 

It should be a NEW 30-year conventional loan or we have asked for a 40 yr. but they won't respond. 

Please help! 

XXXX
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 2024-05-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: State Collection Service, Inc. (PA)

On XX/XX/2021 I was admitted to XXXXXXXX XXXX XXXXXXXX XXXX for some XXXX XXXX XXXX XXXX XXXX  for 24 hrs. I was XXXX on the next day being the XXXX. The issue I'm having with this bill is that I'm on state medicaid. After a thorough investigation and speaking with over 6 different departments including XXXXXXXX XXXX billing department no one can really explain why I was actually billed. I have NO financial responsibility to this bill being on medicaid. My insurance company ( XXXX XXXX XXXX has explained twice to me that this bill was requested to be fixed and there was no response by the XXXX to correct it. It was explained to me that the code for billing was entered wrong and I have no involvement in this matter. Because this bill is over 3 years old by law it shouldn't have been placed on my credit report to collect a debt where the state holds the financial responsibility ( XXXX statement ). As of date XXXX XXXX has no record of a open debt and has resolved all financial issues with XXXX XXXX. After I spoke with there billing department they also confirmed I have no outstanding balances for XXXX XXXX XXXX XXXX  since my insurance has already paid. Doing this 3 years later when all they had to do was submit a new bill to my insurance back in XXXX is absolutely ridiculous. I feel like I'm being taken advantage of in this situation. No one has answers and no one can fix a problem that no can see or find. It's the word of state collections agency against mine. I have no way to defend myself in this and they are ruining my credit. I am in XXXX XXXX and this is just devastating. I have NEVER had a bill from any state for care at a hospital when on medicaid. I don't understand why they would wait this long to submit a bill then throw the bill at me. I have no responsibility to pay a bill that is covered fully by my insurance company. I want this to be removed from my credit report. This is adding additional hardships to my life in a very trying time for me. I'm asking that someone advocates for me because I've run out of options. Especially since I can't get a straight answer from anyone on why I was put into collections after all this time. XXXX XXXX has followed up with any correspondence with any bill should be with them not me. Please help to remove this account from my credit.
Consumer complaint received 2024-05-17
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: Amsher Collection Services, Inc. (MN)

XXXX has currently put a bill into collections, they say I owe for a monthly bill. I did not even activate the service and had no use of the service at any time. I took it back 14 days or the grace period of unopened products and decided to send this to Amsher collectors which they say I owed. I had said that is not my bill and I do not owe anything on this bill. They call everyday since XXXX. The amount owed is XXXX dollars
Consumer complaint received 2022-11-22
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)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-17
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Onity Group Inc. (TX)

I purchased the house in XXXX XXXX year mortgage, from XXXX XXXX XXXX, approximately XXXX PHH mortgage company took over the lease out of XXXX XXXX XXXX Florida, so the house should have been paid off in XXXX but I wasnt thinking about it until I recently found my deed, so I called them and told them and now they are saying that I refinanced the house and I know I didnt Iam XXXX old and I know they are trying to get over on me, so I requested them to send me papers showing when it was refinanced who refinanced it and how much did they get and they wont send it I need help
Consumer complaint received 2024-05-17
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

Actions taken by company - Fill out and submit a Fraud Claim to Capital One Auto Finance ( COAF ) Risk Management. 

Auto loan taken out with - Capital One Auto Finance XXXX XXXX XXXX XXXX, TX XXXX XXXX For additional information : XXXX, option XXXX, extension XXXX Car Loan taken without my knowledge for a XXXX XXXX XXXX, color unknown. 
License plate - Unknown. XXXX XXXX XXXXXXXX. 
Loan Open Date : XX/XX/XXXX. Account Number : XXXX Original Loan Amount : {$32000.00}. Loan Term : 72 months. 
Monthly Payments : {$720.00}. Original APR : 17.75 % Application ID : XXXX Total Principal Paid : {$21000.00} Total Interest Paid : XXXX I did not take out this loan. 
My residence when loan was taken : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX York NY XXXX Currently reside in XXXX, XXXX XXXX, SC XXXX
Consumer complaint received 2024-05-17
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (NY)

i have funds in my both savings accounts [ ... XXXX and ... XXXX ] and both accounts linked to Raisin [ XXXX insured banks & credit unions ] account for a year or so.Every time i need i had transfer funds to and from my XXXX accounts to XXXX, since XXXX want me move funds back from closed CD account to XXXX and then open another one from XXXX.Never had problems until XX/XX/year> when XXXX locked my accounts to " research '' .They made me call to XXXX 4 times but finally it was unlocked and i asked XXXX. XXXX to put in remarks '' XXXX is my account and never lock it again '' XXXX XXXX i had transfer funds from ... XXXX account to XXXX but it shows '' reversal '' status and my both accounts locked again.I tried chat with XXXX XXXX was told to call.Spent a hour yesterday on a phone, was moved from one XXXX rep to another and the last one was supervisor XXXX who said '' my phone [ XXXX ] is portal, when i asked what it is, he said when number moved from XXXX XXXX XXXX XXXX so they could not send to me text to verify it is me.They had sent it to me XXXX times before but not now.When i told him, my phone number is with XXXX XXXX years and never was from XXXX XXXX he said i must wait till they call to me to verify.Meanwhile i am loosing $ $ on interest.And why they would call but not text to my number i never change, why wait a week? This bank ove to me! % on interest i am loosing daily and XXXX i have with them.I am a XXXX person and have plenty to worry about than XXXX bank, s employees.Please help
Consumer complaint received 2024-05-15
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (AR)

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 XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.
Consumer complaint received 2023-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

DEPT OF EDUCATION/XXXX  Date opened XX/XX/XXXX Balance {$3800.00} Status Open/Never late. 
DEPT OF EDUCATION/XXXX  Date opened XX/XX/XXXX Balance {$4900.00} Status Open/Never late. 
DEPT OF EDUCATION/XXXX  Date opened XX/XX/XXXX Balance {$6000.00} Status Open/Never late. 
DEPT OF EDUCATION/XXXX  Date opened XX/XX/XXXX Balance {$8300.00} Status Open/Never late. 
DEPT OF EDUCATION/XXXX  Date opened XX/XX/XXXX Balance {$5900.00} Status Open/Never late. 
DEPT OF EDUCATION/XXXX  Date opened XX/XX/XXXX Balance {$2200.00} Status Open/Never late. 
DEPT OF EDUCATION/XXXX  Date opened XX/XX/XXXX Balance {$5600.00} Status Open/Never late. 
US DEPT OF ED/XXXX Date opened XX/XX/XXXX Balance - Status Transferred, closed/Never late. 

These items are incorrect WRONG ADDRESS and personal information. Please reinvestigate this matter and contact the nationwide credit bureaus to have them delete. 

Please remove this account immediately in its entirely from my credit file. DEPT OF EDUCATIONXXXX Please remove it from my credit report.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy, and appropriateness. In lieu of sending the information, you can reopen the dispute and ensure a proper investigation is performed.

After you remove these items, please send me an updated copy of my credit report via mail.
Consumer complaint received 2024-05-17
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

Pennymac Mortgage was overcharging me on my monthly payment and collecting more in escrow than was required for the principal, interest, taxes and insurance and their escrow reserve in XXXX and XXXX and now XXXX. An escrow amortization analysis was performed on XX/XX/XXXX by Pennymac and Pennymac admitted they messed up and refunded {$3500.00} but never sent me the check, it shows a debit to the account total dropping it from {$9500.00} to {$6000.00}. On XX/XX/XXXX payment activity shows Pennymac then charged back the XXXX escrow refund they owed me back as a debit and then refunded it again, going from a balance of {$3700.00} to an increase with their debit of my {$3500.00} refund they owed me as a plus or positive to my escrow account increasing the balance to {$7200.00}. On the same day on XX/XX/XXXX Pennymac does another refund in my account for the {$3500.00} overage they owe me reducing the escrow balance from {$7200.00} to now {$3700.00}. I have never received any of these refunds from Pennymac they owe me. I have updated my XXXX disbursement account, but did ask them to mail me a check. They have refused. This is civil theft by Pennymac for over three years now. If CFPB does not assist me my next call will be to filing a police report for civil theft against Pennymac and I am entitled to interest on the money that Pennymac has wrongfully withheld from me since loan inception for overcollecting more escrows and fraudulently accounting for it. Additionally, Pennymac is refusing to remove and waive escrows even though I meet all requirements to waive escrows to be able to pay taxes and insurance on my own, presumably because Pennymac wants control over my escrow account to be able to continue to steal and siphon money from my account. I demand in investigation into their business practices because this in unfair and deceptive trade practices, fraud and civil theft from a VA borrower on their part.
Consumer complaint received 2024-05-17
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble getting information about the card
Company: Incomm Holdings Inc. (NJ)

I received a {$50.00} Vanilla Visa gift card on XX/XX/XXXX. When I tried to use it I was told it was already used on XX/XX/XXXX. I wrote to the company and filed a dispute and they said it has been used through a XXXX account. I do have a copy of the XXXX  summery on the date & time it was used and a name of a company that does not exist. There is nothing else they can do. I am getting nowhere with this information.
Consumer complaint received 2024-05-17
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (GA)

I just received my credit card today and activated it. When I tried to add it to XXXX XXXX, it required me to verify it over the phone. When I tried, I answered my security question and provided my card details and was connected to a representative. They required an ADDITIONAL phone number, despite me calling from the number listed on my account. I couldn't initially provide XXXX but then provided them a work phone number, but that " didn't meet their standards '' so they couldn't use it. They said there was no additional way to verify my account if I couldn't provide another phone number, and they triggered a fraud alert on my account without even telling me, and now I can not even use my card until I received a letter via snail mail in XXXX days.
Consumer complaint received 2024-05-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (GA)

I have an account with Chime bank XX/XX/XXXX : XXXX XXXX XXXX remove {$300.00} from my checking with out my authorization XX/XX/XXXX : XXXX XXXX XXXX charge my access 4 times totaling in {$150.00}
Consumer complaint received 2023-04-28
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)

On XX/XX/XXXX, I submitted a request to block the accounts on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 

Please remove the following accounts : XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$0.00}