davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First Credit Services Inc. (PA)

I had a gym membership with XXXX in XXXX, PA. I then attempted to cancel the membership and was told I needed to stop in and not over the phone. I then stopped in and due to the manager not being there I was unable to cancel. I was told I could n't leave a letter, fax a letter, or email a letter. I was also told that I needed to speak with the manager as they were the only person who can cancel the membership. I found this unfair due to the manager being there at certain times. 

I did file a complaint with the XXXX who resolved the issue and I just needed to pay the last month that I owed, which was XXXX. I did make this payment, however the company still billed me. I was told it would take 1-2 billing cycles for their billing company to receive the update. In addition the company responded that they would waive the late charge in good faith. 

I have now received a collection letter from First Credit Services , Inc for the amount of XXXX.
Consumer complaint received 2015-11-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (IL)

I requested a deletion XXXX XXXX record from my credit files due to the statute of limitation for the reporting. it is been 7 years since the first delinquency on this account XX/XX/XXXX. The 120 days delinquency was reported on XX/XX/XXXX. I have a printed record of this. After my request of investigation the Equifax has deleted the initial delinquency history information and entered rejuvenated information so the first delinquency reads as of XX/XX/XXXX now. it is a violation of the FCRA. 1. 2. There are inconsistency in reporting of balance and date of opening of this account is the previous version that I received from Equifax and Rejuvenated report. The date of opening reported early was XX/XX/XXXX. and now they stated it was XX/XX/XXXX. the balance was reported {$850.00} and in the doctored report {$750.00}. I never recognized this account anyway. The Equifax has violated FCRA 3 times. The Equifax has never verified the information i asked to remove, instead they just reintered fouls information the received from the XXXX. They should Delete this unverified information immediately and pay fines for vialating FCRA and my rights.
Consumer complaint received 2021-11-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (MS)

Alleged Original Creditor : XXXX XXXX XXXX XXXX Alleged Original Creditor Account Number : XXXX Debt Collectors Account Number : XXXX Alleged Debt Amount or Balance : {$640.00} I never received this service from XXXX and the phone service was never activated. XXXX XXXX sent a sim card to use for phone number XXXX. I never activated the sim card / phone and called XXXX XX/XX/2020. On XX/XX/2020 the service was officially cancelled since the service plan was not activated. On XX/XX/2020 I received a credit of {$30.00} from XXXX of a pro rated bill they created since the service was never activated and the account was closed.
Consumer complaint received 2017-02-10
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: LD Holdings Group, LLC (CO)

I refinanced my home in XXXX XXXX with Loan Depot, in early XXXX they sold the loan to another vender. Recently I went to get a HELOC and when the title search was done it was noted that Loan Depot had filed multiple Close End Deed Trust against my home ( see Attached ) when they should of only filed XXXX. I have contacted my current lender and they said Loan Depot had to clear these, I contacted Loan Depot several times with extensive conversations and they have tried to refer me to everyone else. I finally went to the county and they said Loan Depot has to clear these. Again I contacted Loan Depot only to be told now they can do nothing for me since I do n't have a loan with them. I need to have them clear the Liens against my home which they falsely filed. I have spent upwards of 100 hours doing the foot work to get this resolved and Loan Depot has been unhelpful at every turn.
Consumer complaint received 2017-05-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Seattle Service Bureau, Inc (TX)

On  XXXX   XXXX  I logged into  XXXX   XXXX  and it showed I had an account in collections. It showed   XXXX     XXXX   XXXX   XXXX  sent my account to a collection company with a total owed of {$140.00}. I never ever received a bill or other written notice about money owed to them. On  XXXX   XXXX , I sent an email to  XXXX  XXXX  XXXX  telling them I never received a bill for services rendered and demanded that my account be removed from collections. I still have not received a response from them. It seems that they " parked '' my debt on my credit report because they did not want to pursue this matter in an ethical way.
Consumer complaint received 2016-05-31
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Union Adjustment Company, Inc. (CA)

I was making my payments on time, I used to make payments in person, one day I went they had close the building And I went online and the website was close, I had no way of communicating with them, after 3 years I started getting phone calls, I already had lost my job but I could n't contact with Famsa I checked every way to contact them they all showed that they violated and had to close all XXXX in California.
Consumer complaint received 2022-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Collection Receivables, Inc. (GA)

I dispute this debt. This account was placed on my credit report without giving me the opportunity to pay the debt. I have reached out to the collection agency to resolve the matter and was told that if I agree to pay the debt that they will delete the account from all three credit bureaus ( XXXX, XXXX, and XXXX ). Which I have in writing from XXXX XXXX XXXX, at Collection Receivables. However as of today, I have paid for the account to be deleted on on XX/XX/2021 and two months later, the negative account remains on my credit reports. I would like this matter to be resolved by having the negative account, Collection Receivables/ XXXX XXXX, removed of my XXXX, XXXX, and XXXX report.
Consumer complaint received 2024-05-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

Tuesday XXXX XXXX around XXXX i was approached by a man who came up to me as in going to the bank and asked me to help him out with something. After he came up to me he proceeded to verbally threaten me with physical harm and has read my address to me which at first i got worried then thought it was a joke and didn't think it was serious. As i entered the atm room i proceeded with my cash deposit. He then came up to me and told me to let him do what he has to do snd he will be gone. When i first seen him i didnt know how to react and was worried .He instructed me to Input my pin and he went infront of me to make a deposit of a fraudulent check. He then tells me to put the pin again so he can withdraw whatever funds were released. Which were two withdrawals of {$480.00} and {$100.00} which have been disputed with chase. He plays everything off and once he finished he tells me he is gone and i wont see him. Called the bank directly after incident and camera footage will show himself make his way infront of me to do what he needed. I told him i barely have money and he proceeded anyway. 
Claim with bank has been filed and denied Police was contacted over 8 times and upon first contact they said they are unable to complete s police report without footage from the atm. 
Bank employee tells them they need a subpoena to access footage. 
Make another complaint over the phone with no luck. 
Went back to the police station to file a report, then the officers tell me in order to make a report i would need a affidavit from the bank so they can start a report. 
I scheduled another meeting with a bank manager and asked if i can get an affidavit so i can complete my report and complete this dispute snd they tell me they do not have them nor do they give them out for my situation Police report can not be made at all and i am receiving no help from both the bank and the precinct. 
No matter what i bring and say they will not make a police report without this affidavit or footage which i am unable to get a hold of any. 
This leaves me at a loss of {$580.00} which i can not afford whatsoever as it will take me over 2 weeks just to break even not including my bills.
Consumer complaint received 2021-04-21
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: TOYOTA MOTOR CREDIT CORPORATION (RI)

i have filed a dispute in regards to the incorrect items on my credit report, it has been over 30 days and I haven't received any investigation results
Consumer complaint received 2016-06-04
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Commonwealth Financial Systems, Inc. (CA)

This so called debt was first issued to me in XX/XX/XXXX - stating that I did not have insurance. and I have had insurance since XX/XX/XXXX. I do not recall even getting medical treatment in XX/XX/XXXX. I have tried to contact Commonwealth when they issued a collection debt and it showed up on my credit reports. I also sent a letter to your company to forward to Commonwealth, I have yet to receive any kind of response. I believe that a family member may have used my name during this time. I do not have knowledge of this debt
Consumer complaint received 2016-02-01
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: M&T BANK CORPORATION (NV)

I had a mortgage on property in moundhouse Nevada the mortgage was sold to M & T bank, XXXX XXXX XXXX XXXX Maryland from XXXX XXXX XXXX number XXXX On XXXX XXXX th I called and asked for a payoff total on this loan, I was told the amount was {$72000.00} I then wired this amount on the same day from my bank. They told my Daughter several days later that they would not post this payment until XXXX and We owed another {$350.00}, I sent the money, is this legal they would not post the transfer money until they could charge another months interest. Thanks for your help..XXXXXXXXXXXX
Consumer complaint received 2020-10-18
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: Experian Information Solutions Inc. (FL)

My personal information was stolen and used to open multiple fraudulent accounts. I did not authorize the opening of these accounts I have previously submitted and FTC affidavit and a Police report supporting my dispute with Experian. When I first submitted my claim back in XXXX of 2020 these fraudulent accounts were removed from my credit report. In XXXX of 2020 more than 30 days later these fraudulent accounts were put back on my report. I have disputed these accounts ( XXXX  XXXX XXXX, XXXX XXXX, XXXX and XXXX XXXX XXXX ) on several occasions. I was told on XX/XX/2020 by the specialized fraud department of Experian that my dispute will not done because the company has verified that they belong to me. I have contacted these companies and when asked for verifying information the information did not match what was within their systems. I was also told that when a company can respond after 30 day. According to the FTC According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed. If they do not, they are in violation of the FCRA. Experian is refusing to remove these fraudulent accounts past the 30 day time frame.
Consumer complaint received 2016-06-12
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: VW Credit, Inc (CA)

In XXXX of 2007 I left the United States on a religious trip and before I left I called VW credit to explain that I would be leaving and not be in the US to make my car payment, they were helpful over the phone and suggested I use the one time offer of putting that month on the end of my loan. The representative was polite and explained I would fill out a form of which I did and I was very happy with the out come of my call. When I returned the following month to my surprise I had been sent a late payment notice and I was charged a fee and had a negative mark put on my credit. I attempted for many years for them to remove this error of theirs to no avail. I even paid a company to assist me in handling it which they were not able to do.
Consumer complaint received 2015-10-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Metro Collection Service Inc. (CO)

This is a landlord/tenant dispute. The landlord is claiming damages that we are not responsible for. We have submitted a letter to the landlord and collection agency that states this is disputed debt. Therefore can not be collected upon until dispute between landlord and tenant is resolved. We have received a summons to appear in court demanding payment on these disputed charges from the collection agency.
Consumer complaint received 2024-03-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (FL)

Coinbase allowed a criminal to withdraw {$1100.00} from my account on XXXX XXXX I found out via email XXXX hours after the transaction. They said they can't do anything evwn though the transaction number of the withdrawal is present. I believe Coinbase is hiding information and it was an inside job. Coinbase is a criminal enterprise and they owe me {$1100.00}
Consumer complaint received 2022-02-11
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. (LA)

As of XX/XX/XXXX XXXX has placed a late payment on my account after being found guilty in court of being negligent. The settlement, announced XXXX XXXX, comes after allegations that XXXX used predatory and deceptive lending practices dating back to XXXX. The company was accused of pushing struggling borrowers further into debt by steering them into long-term forbearance programs that actually added more in interest to the overall loan balance ; and for claims that it lent predatory subprime loans to students attending for-profit and low-graduation-rate colleges where it knew these borrowers could likely not repay the loans. XXXX repeatedly and deliberately put profits ahead of its borrowersit engaged in deceptive and abusive practices, targeted students who it knew would struggle to pay loans back and placed an unfair burden on people trying to improve their lives through education.
Consumer complaint received 2019-05-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (UNITED STATES MINOR OUTLYING ISLANDS)

I had a checking account with Bank of America that was canceled on XXXX XXXX without notice. I visited the XXXX XXXX XXXX branch in XXXX XXXX Fl that morning to check on my SS. and left the bank with {$5900.00} in my checking account. Later that afternoon I attempted to charge my credit card and it was declined along with a notice to contact consumer service. I tried to access my account online but was denied access, No such account, I called XXXX and was told that they did not have a record of my account number or my SS number or my name. I was transfered to the fraud dept and put on hold for two hours. I went to the local bank the next morning and the branch manager was locked out of the account. She eventually got a notice that I was to call XXXX. I called and was informed that due to " suspicious activity '' my account had been canceled. A team would be assigned to review the account and an email would be sent informing me of the status of the account. A certified check would be mailed to me if it was determined that I had funds due. I have not heard from the bank and have not received my funds.
Consumer complaint received 2016-06-13
Product: Credit card — 
Issue: Balance transfer — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I applied for a 0 % XXXX transfer credit card with Capital One, I was planing on using it to transfer a credit card balance of XXXX. I was approved for XXXX. I called them once I got the card to make the transfer, I was told I had to wait XXXX days. When I called after 10 days I was told there was no balance transfer offer approved for me, this was news to me! I called back and spoke to a different person who told me I did have the transfer offer on my account, so I just made the minimum payment on my other XXXX. When I called back to initiate the transfer I was told again there was no such offer for my account. have a credit score in the neighborhood of XXXX, besides my mortgage this would be my only debt. I have a networth of of over XXXX, so not a highrisk customer. 
Because of there missrepresantation I ended up having to pay interest on my othercard which I could have avoided if Capital one had honored the offer I was approved for.
Consumer complaint received 2021-01-12
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. Which is affecting me in various way and making it difficult for me to get a property. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2016-03-03
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (NJ)

I did file a complaint in XXXX with your office. It was registered as XXXX number : XXXX. The response from the bank was not satisfactory, but life is too short to fight for one 's right. I paid for the late payment charges on my credit cards due to account closure and took necessary steps to be able to pay future bills. If Chase wanted to close our account, even on erroneous pretext, so be it. There are many other banks in the US and in the world. But after over 40 years of having our account, our mortgage they erased our account history which was now electronic. They stated in their response to you that they were sending the past five years by USPS. Another twist of thr truth. Three months later it has not arrived and USPS tracking says : " Tracking Number : XXXX Not FOUND ''. How do I find the data to file my taxes? 
This is just to set the record straight.
Consumer complaint received 2016-01-06
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Healthcare Financial Services, LLC (AL)

I contacted Health Care Financial Services in XXXX regarding an account that did not belong to me. I was told if I paid {$500.00} they would remove the account from my Equifax. I felt like i was being bullied by the agent so she could collect salary and the agency so could make money. The representative was very rude and aggressive. 
I have never received any services at the XXXX Medical Center in XXXX, Mississippi. The hospital has no record of any treatment under my name or social security number. I spoke with XXXX XXXX XXXX and she suggested that I filed a complaint against the agency and file a dispute. The alleged patient had a date of birth of 1966 and i was not even born in 1966. 
I feel that is unfair for these agents to wrongfully collect monies against innocent people who do not know their rights. 
The address was not my address either. 
After I did not pay this ladies salary when she gave me a deadline later they started reporting negative information that affected my credit score. My score dropped by XXXX points on XXXX occasions due to these bully 's. Later they added it to another reporting agency. 
As i started to fight them back I noticed that they started passing my information on to other collection agencies to report negative items as well. 
Consumers should not be bullied or spoken to in very aggressive and nasty ways by such agency representatives.
Consumer complaint received 2017-03-01
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

This company made inquiries to my credit report. I did not authorized the dealership to contact this company for credit approval. in many cases the dealership was told in writing not to do so. 

These companies were sent letters disputing the inquiries and told me to contact dealer. I disputed with credit reporting company and they told me to contact the credit company who requested my credit report. 

Either way this company should not have pulled my credit report and have over XXXX inquires on all XXXX credit reports. 

I want their inquires removed. 

XXXX : : XXXX DOB : XX/XX/XXXX
Consumer complaint received 2016-06-08
Product: Credit card — 
Issue: Late fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One Credit only accepts payments up until XXXX EST to be credited for the same business day or face a late fee. If you live on the west coast you have 3 hours less to pay and may be subject to a late payment as a result. Not everyone lives on the East Coast. It seems plainly unfair that people living in one part of the country should be given an advantage over others, just based on where they choose to live.
Consumer complaint received 2015-09-01
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Creditor makes repeated calls to my cell phone number without my consent to contact me at cell phone number ( Telephone Consumer Protection Act ). These calls are made repeatedly, XXXX attempts in a row and have occurred past XXXX. 

I never gave consent to the creditor or affiliates to use my cell phone number to contact me for marketing, servicing or collections calls. 

I believe they are using an Auto-dialer because there is a menu when call is answered.
Consumer complaint received 2024-03-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NY)

I recently checked my Equifax credit report and noticed some incorrect information on my credit report. I noticed XXXX inquiries thats incorrect on Equifax credit report I believe someone used my personal information to apply for credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX