davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-08
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)

I sent out a letter To Verify The Accuracy On my Credit Report on XXXX. I have not had a response. Under the FCRA 15 U.S.C. 1681i, all unverified accounts MUST be promptly deleted. They were unable to provide me with a copy of the supporting documentation as proof. 

Also Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( i ) which is the term credit card means any card or plate, coupon book or other credit devices used device existing for the purpose of obtaining money, property, labor or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below.They should all be removed from my consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that you remove these Transactions from my report immediately as they are in violation of my rights as a federally protected consumer under title 15 chapter 41. I demand that they remove the following accounts and send me my updated consumer report. i am ready for court.
Consumer complaint received 2018-02-12
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: PROFICIO FINANCIAL SERVICES, LLC (WA)

I have received a couple phone calls from a company named Proficio Financial services regarding a debt of {$500.00}, plus some additional fees. I am currently out of town, and intend to request proof of the validity of this debt as I have no record of owing this amount, nor does it show on my credit report. 

Today, XX/XX/2018, I received a call from them at XXXX but was unable to answer at that time. They then called again at XXXX and the representative claimed to know my grandmother, including using her correct name, and said they would call her to see if we were related, or I could return their call. 

I sent an email through their contact us page on their website stating that I will not be taking any of their calls at this point, all contact with me must be done by email, and that I am filing a complaint regarding their actions.
Consumer complaint received 2021-02-04
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: JPMORGAN CHASE & CO. (CA)

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and JPMCB Card. The Account Opened is JPMCB Card Account Number : XXXX Date Opened : XX/XX/2019 Balance : {$38000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Consumer complaint received 2021-06-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (NJ)

On or about XX/XX/XXXX, I received a promotional offer from Citi ( Citibank ) at XXXX XXXX XXXX, XXXX, OH XXXX. It was addressed to me, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX NJ XXXX. The Promotion ID Number was XXXX. Among other options, it promised me a {$400.00} cash bonus if I created a new checking account with them and deposited {$15000.00}, and kept the money in the account in the account for a minimum of 60 days. I deposited {$15000.00} on XX/XX/XXXX, and the money remains in my account to this day, which is currently XX/XX/XXXX which is over 210 days. I spoke to someone at Citi when I opened the account in XXXX and they assured me I had done everything correctly to receive the {$400.00} cash bonus. The checking account number for the new account is XXXX. As of today they have not posted the {$400.00} to my account. I have called them numerous times and written to them once to no avail. They seem to insist I was not someone who was targeted or selected for that promotion. I have their promotional mailer from XXXX to prove otherwise. When I try to send them a copy, they ignore it, and reply that I was not on the target list, ignoring the evidence. They have also promised me they would get back to me with an address to which I can send the evidence ( promotion mailer ) but they never have gotten back. I tried to reach them again by phone today, but they kept me on hold for 20-30 minutes, then hung up on me.
Consumer complaint received 2024-03-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (IL)

I don't recall having a contractual relationship with this collection company SOUTHWEST CREDIT SYSTEMS. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection
Consumer complaint received 2022-01-13
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credence Resource Management, LLC (MA)

This happened in the middle of the pandemic when the whole world shut down i had XXXX and told them i was going to cancel my phone services because i didnt have a job, they told me dont worry we are giving time to our customers to pay because of the pandemic get 3 months or whatever them you will pay monthly when you get back to work or money coming in to you i accepted and didnt pay for 3 months them i paid one month the next month they want me to pay around XXXX in total i told them that i didnt XXXX XXXX or so because i wasnt working for the pandemic only living with the pandemic money was receiving from my gig job with XXXX XXXX XXXX i was lucky to be included because self employed dont get unemployment but because of the pandemic we did, i wasnt going to pay XXXX in total when i wasnt making money only living of unemployed how i would eat and pay rent, i told them i better shut down the service completely were then to stopped me to do so with the promise of giving customers time and then start repaying month by month at the time feeding me and my kids was more important than paying XXXX in whole, now they sent the bill to a collection agency which are harassing by calling me and telling me that if i dont pay they will send the account to collection and damage my credit no fair at all i dont gon na take the pandemic as an excuse but i was in a position of putting food on my table and pay rent with the money i was receiving from XXXX or pay arrogant XXXX in full i need help i dont want this collection agency ruin my credit that im fixing and making progress over an unfair practices of money hunger XXXX i need help please im fixing my credit this very important to me and now i have to deal with this credit agency maned CREDENCE trying to get me back with my credit progress
Consumer complaint received 2021-05-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MO)

We are refinancing our loan. The new lender, XXXX XXXX XXXX XXXX, requested a payoff statement on XX/XX/XXXX, but the current mortgage company, XXXX XXXX XXXX PHH Mortgage Services, has delayed responding. Our mortgage is in good standing and I do not understand why there should be any delay in getting this payoff statement. 
Its practically impossible to get to speak to someone in person and when we do it is never the same person. No one seems to be moving this simple, straightforward request forward. Please help.
Consumer complaint received 2024-02-11
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (GA)

Received a XXXX gift card XX/XX/XXXX. Have tried using it at all retailers I frequent including all grocers, online merchants, XXXXXXXX XXXX, XXXX XXXX, Gas stations, XXXX .... and it only worked one time at an overseas merchant ( XXXX ). They will not release my funds and the advice is to try again elsewhere, but there is nowhere else to try. Reaching a real person seems next to impossible and the automated responses do not apply and are not helpful. 

At this point I feel like it's fraudulent of the credit card company to take the money and then refuse to allow us to use the money.
Consumer complaint received 2018-02-12
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Specialized Loan Servicing Holdings LLC (MI)

On XX/XX/2007 my ex-husband and I took out a small second mortgage on our home. The loan amount was somewhere around {$8000.00} with payments at {$110.00} per month. This was done with XXXX XXXX in XXXX, MI. During our divorce, my husband became responsible for the payments and this loan is currently reflecting as past due on my credit report, showing that {$4500.00} is still owed on the account. Based upon my calculations, 10 years and 6 months later we have paid out almost {$15000.00} for the loan. I feel we over paid dramatically and to still have an amount owing is ridiculous. I can not find the original loan paperwork, I have called XXXX XXXX to try to obtain the old loan information to no avail. I want this amount discharged completely and removed from my credit report.
Consumer complaint received 2021-11-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (NY)

I have been an active coinbase user for years. This past year I have made many transactions using XXXX XXXX, XXXX, XXXX XXXX all on XXXX account. On XXXX XXXX. made a small bitcoin transaction for {$50.00} ( my balance was XXXX ), and the day after the rest of my bitcoin was taken out of my account. In my transaction logs, it says this transaction is for " XXXX XXXX XXXX I did not receive any notification or email or text that this would happen, it just did, without notice. After contacting coinbase support multiple times, they gave me the same answer : XXXX XXXX happened when funds haven't been touched in XXXX years. I don't understand how this can be allowed when I have been ACTIVELY using my account, and the day before I made a XXXX transaction. I know this is a system error, but coinbase support has offered my no help. HUNDREDS of other people on reddit have this same issue, where Coinbase is draining their accounts, on the basis that the funds havent been touched in years, when in reality most of these cases involve active traders. This is seemingly a large issue but coinbase is trying to hide it, they are not giving any update about this issue, and they stole my money.
Consumer complaint received 2021-05-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Alliance Collection Agencies, Inc. (IL)

Account number XXXX {$1600.00} HIPAA VIOLATION XX/XX/XXXX - received collection letter, including a statement from the hospital XX/XX/XXXX - sent a validation letter to collection agency XX/XX/XXXX - received another letter from collection agency, including an account summary, listing visit details ( HIPAA violation ) XX/XX/XXXX - sent letter stating HIPAA violation and requested that this debt is removed from my credit report. 
XX/XX/XXXX - debts were updated on my XXXX report Account number XXXX {$170.00} DID NOT VALIDATE DEBT XX/XX/XXXX - received collection letter, including a statement from the hospital XX/XX/XXXX - sent a validation letter to collection agency XX/XX/XXXX - debts were updated on my XXXX  report
Consumer complaint received 2018-02-09
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NM)

I sent {$520.00} to a friend in XXXX via Money gram. I stated I wanted the money sent in US dollars when she asked if I wanted US dollars or Euros. When my friend went to pick up the money it was in Euros and he had the added hassle and expence of having to convert it back to US currency. The receipt was folded up and stapled together with only the recipient 's name and reference number highlighted and visible. When I found out he got the money in Euros rather than US dollars I removed the staple and found that Money Gram gets extra money when it converts my US dollars into foreign currency. Doing so benefits Money Gram financially but is counter to my request for sending US dollars only. I'm sure it is company policy to maximize their profits by ignoring the customer 's request and it was no mistake they sent my money the most profitable way for the company.
Consumer complaint received 2022-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (KY)

I have sent AMEX multiple Cease & Desist letters to stop them from contacting me about an alleged debt. The Cease & DesisXXXX also requires them to stop reporting to my credit file. It is against my right to privacy. The alleged debt do not belong to me, I am a victim of identity theft. I asked the company to provide me copies of my wet ink signature opening the alleged debt but I have yet to receive it. They are still contacting me about the alleged debt and reporting to my credit file which damage my general reputation.
Consumer complaint received 2022-01-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mnet Financial Inc (AZ)

In XXXX and XXXX of XXXX, I was a patient of XXXX  XXXX and XXXX. I had office visits and infusions both times. In XXXX two employees advised me via email and telephone that the Prolia Co-Pay program would pay the bill that was owed beyond what XXXX XXXX and I paid. In late XXXX of XXXX, I received a bill from aforementioned provider for {$1900.00}. I sent XXXX certified letters in XXXX and XXXX indicating that I was advised that the bill was satisfied. On XX/XX/XXXX a woman named XXXX called me at the billing managers direction responding to my certified mail and stated that I do not owe the bill. In XXXX, XXXX, I was contacted by mail and telephone that this had been referred to a collection agency and they were attempting to collect. I was not notified this was being referred to collection. On the contrary, I was told that I did not owe it. In fact, I discovered that they did not attempt to submit it to the co-pay program at all. My credit has been impeached and the providers practice will not provide me with a letter stating that the collection was in error. I paid this practice {$1500.00} for the bill that three employees said I did not owe. I was sending certified mail trying to determine status and they send it to collections. I now have a ding on my previously perfect credit report. I want it off there.
Consumer complaint received 2018-02-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect (FL)

This company, which I hold no contract with nor have received services from reported a collection account against my SSN in the amount of {$460.00} with XXXX and XXXX credit reporting agencies. I requested verification of the debt and account through U.S. mail on XX/XX/2018. However the business failed to provide adequate proof. Considering the business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
Consumer complaint received 2018-12-19
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nelnet, Inc. (FL)

Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This 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. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Consumer complaint received 2020-01-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Asset Recovery Solutions, LLC (MD)

I received a letter from Asset Recovery Solutions , LLC dated XX/XX/19. They said that XXXX XXXX XXXX XXXX XXXX XXXX XXXX has purchased an account ending in XXXX from XXXX XXXX Bank and they will be helping to collect the debt. I had within 30 days to dispute it. I never received a letter from XXXX XXXX or XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I responded to Asset Recovery Solutions , LLC with a certified dispute letter dated XX/XX/19. The receipt number is XXXX XXXX XXXX XXXX XXXX. They received it on XX/XX/19 at XXXX. I waited a month for a respond. They ignored my dispute letter and sent another letter dated on XX/XX/19 offering to settle the debt for 79 % of the balance.
Consumer complaint received 2018-02-12
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

On XX/XX/XXXX, I filed another fraud and complaint to Equifax about violating my rights. I spoke to a supervisor on said date and advised them of my filing with the CFPB. Little to my findings, Equifax supervisor illegal changed my last name and email address to avoid actions from CFPB reference # XXXX. I found on XX/XX/XXXX by their helpdesk that my email was changed and also, my credit report was updated to reflect the continuing fraud activity of XXXX XXXX XXXX on XX/XX/XXXX and Equifax failed to notify me because, they illegally changed my name and email address to scam the CFPB and the Federal Trade Commission to advise that I never filed a complaint but the complaint reference with Equifax is Confirmation Number : XXXX filed on XX/XX/XXXX and to prove that they illegal changed my name here is the other confirmation numbers which they have ignored : Confirmation Number : XXXX on XX/XX/XXXX, and Confirmation Number : XXXX filed on XX/XX/XXXX. Today- I called Equifax approx. XXXX XXXX central standard time : Spoke to XXXX in the fraud department -- She Confirmed someone changed my information on XX/XX/XXXX at a time that no recorded information was obtained to support the changes not only, she said, " The complaint date was also changed to XX/XX/XXXX instead of the confirmed email dated XX/XX/XXXX after I made the contact complaint. -- Attached are the supporting documents of the unauthorized changes that was made to my Credit Report ...
Consumer complaint received 2024-03-25
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: CITIBANK, N.A. (NC)

I bought 3 XXXX passes from XXXX XXXX on XX/XX/2023. A few hours later I called XXXX XXXX, they never connected me so I used a XXXX online chat and cancelled all three passes. They were {$490.00} each. 
Then I got a bill from Citibank on my credit card for one pass, {$490.00}. I first tried to contact XXXX but they had closed their telephone number and their online chat was down. Later I found out they had closed that and required all communication to go through XXXX. Next I called Citibank and asked to dispute the charge. They took all my information. At this point I did not know which pass did not get cancelled. I had received no emails from XXXX unless they went to junk. Citibank told me everything was fine and I should here back from them. About a month later I called again explained everything again and checked to make sure all the information I gave them was in the notes in the computer system. 
Some weeks later I received a form email telling me I was required to pay for the one pass. I called again and this time was told that I should have reported everything in writing the first two times and it was really too late to appeal. NO ONE EVER TOLD ME TO SEND IT WRITING BEFORE THIS. i got on XXXX contacted XXXX and they told me which pass was not cancelled and which were. The pass not cancelled was form my wife who is XXXX and XXXX. She never travels alone. I pointed this out in a response to consequent letter from Citibank. Oh and that letter required a response several days BEFORE I ever received the letter. I sent them additional information but again received a form letter telling me I had to pay for the pass. My main complaint is that I was never told I HAD to put the information in writing until it was too late and that Master Card needed that information in writing to make a decision.