davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: National Credit Systems,Inc. (AZ)

This is in reference to a balance due on a eviction from XXXX XXXX XXXX on XXXX AZ. 

XX/XX/2015 I spoke with a XXXX XXXX a Debt collector at National Credit Systems Inc. I advised her that XXXX XXXX signed my XXXX lease 12 month lease and was not on any subsequent leases. I was the only person that signed the lease that was terminated in XXXX 2015. I advised her that any contact or threats of reporting to her credit report would be unlawful and I would seek legal remedy. 

XX/XX/2015 XXXX XXXX contacted XXXX XXXX via telephone and advised her that collections has proceeded against her and pending bad mark on credit report. This is a debt that is MINE ALONE which the property management is aware. XXXX XXXX completely disregarded our phone conversation on XX/XX/2015. XXXX XXXX advised her that was not on my lease ( 2015 ) and not to contact her again regarding her son 's personal business. She terminated the call. 

XXXX XXXX and National Credit Systems Inc has violated the FDCPA restrictions on 3rd party disclosure. I feel that these tatics are unlawful and violations of Unfair, Deceptive or Abusive Acts and Practices and this has prompted me to file another complaint.
Consumer complaint received 2022-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

On XX/XX/2022 CITIBANK NAXXXX, XXXX XXXX XXXX ran a hard inquiry into my credit without my permission/approval. And on XX/XX/2022 CAPITAL ONE BANK USA99 Ran a hard inquiry into my credit without my permission/approval. This was in fact run because some fraudster tried to obtain something from those banks. I contacted both banks and I was transferred over to several people and no one was able to help me or tell me what happened. The hard inquiry is now on my credit history without my permission. And it is in fact complete fraud and I wish for it to be removed from my credit history. I called XXXX and they could not remove it as they said it needs to be removed by the two companies.
Consumer complaint received 2018-01-10
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (MI)

I opened the accounts with Chase Bank in XX/XX/XXXX, in Arizona. I used the accounts regularly until XX/XX/XXXX, when my access to the account was denied. There was a list of phone numbers to call for assistance. I was told they had placed a freeze on the accounts, someone with a foreign instrument had tried to access the accounts, but they were OK, they had been trying to get the account numbers. Two days later after having to get a new E-mail address and password I was able a access my account. The last transaction I made was two deposits {$400.00} and {$130.00} online, they do n't have any branches it Hawaii where I was vacationing at my sons home. 
As I looked at my accounts I saw my deposits XX/XX/XXXX. The balance on the savings account was {$23000.00} the checking account {$2200.00}. 
Then there were 8 transfers from my savings to other accounts ; none of them were mine. 
3 to other Chase accounts, 4 to XXXX XXXX accounts, 1 to  XXXX XXXX account {$22000.00} had been transferred. My new savings balance was {$470.00}. When telling the Chase rep. the account went blank on my computer, they froze the accounts again. 
XX/XX/XXXX, They issued a check {$2600.00}, XX/XX/XXXX a check {$18000.00}, XX/XX/XXXX a check {$2100.00}, XX/XX/XXXX a check {$0.00}. That is {$23000.00}. {$25000.00} was missing. I 'm still short {$1700.00}. XX/XX/XXXX. I was told by a Chase claims Rep.that account was settled. I 've been since XX/XX/XXXX to get a printed statement. They say to go to my local Chase branch and get one. That is a 10 hr. round trip airline fare. I think they could do better than that. With the last check they sent a closing summary for checking and savings, dated XX/XX/XXXX to XX/XX/XXXX. I need XX/XX/XXXX to XX/XX/XXXX.
Consumer complaint received 2022-02-02
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. (GA)

I have sent disputes to Equifax, XXXX, and XXXX and I have not received any dispute notifications or mail saying a dispute was done or that there are some results for me to review. I need for CFPB to look into this situation. I am under the assumption that if they do not respond or take longer than 30 days that is automatic cause for deletion of derogatory accounts that was disputed.
Consumer complaint received 2021-03-24
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (WI)

Hello please read the chat attachment that I had with XXXX XXXX the supervisor. I was told that if I made the payment within the 30 days I would be reimbursed by TWO of his CSRs. I was not able to make a payment before the promotion expired because their system showed my promotion paid when honoring my 1st expired one. But then when the next billing cycle issued it retracted all the payments and I was charged interest for the {$410.00} promotion then I was told conflicting information by the supervisor that it was a one time credit. This supervisor was condescending and unprofessional. I want to make it known how this was handled. The XXXX site for Care Credit logs you off if it shows no activity, but I always clicked yes when it would ask are you still there, but it cut me off without notice. Not once did this supervisor call me back even though he had my cell phone number. I tried to rechat again and the chat stated the chat service was down. I can not call as I am working and the chat feature is the only option that is feasible for me during work. So I emailed the message center twice. They all assured me I could make the payment, but when chatting today with the supervisor he gave me the runaround and was just a rude XXXX. He did not want to help me. There is A LOT of financial hardship that I am going through at the moment with COVID19 and I thought CARE CREDIT actually gave a XXXX about their customers. I actually had to BORROW money from my MOM to pay this, but when I saw that the system allocated the payment to it. I thought all was well until I checked my account a day after it closed. Then I saw they had taken all the payments back as I was not aware that is how their system works and not once did they tell me about this, but I had the money to pay both in full since I borrowed the rest from my mother. I was not treated fairly and it is not acceptable. I am truly disgusted and angry. I want this escalated to their corporate. Please see the full chat logs and messages.
Consumer complaint received 2018-01-11
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HEARTLAND PAYMENT SYSTEMS INC (DC)

I received a Perkins Loan from XXXX University in Spring XX/XX/XXXX. I graduated in XX/XX/XXXX and believed that I completed all of my student loan exit interviews. I subsequently started making payments on Federal Student loans in XX/XX/XXXX. I did not refinance my student loans. I believed that I was making payments on ALL of my student loans ( income based repayment via monthly auto-payment ), but apparently this was only for my subsidized, unsubsidized, and grad plus loans. I was unaware of a separate company through which the Perkins loan was being managed. Four days ago, I received an alert from my credit monitoring service notifying me of a " 30 days past due '' bill from " XXXX University '' which was reported to XXXX AND XXXX. I graduated from XXXX in XX/XX/XXXX. The amount in the alert was almost identical to the Perkins loan amount I had accepted two years earlier ( plus {$100.00} of late fees ). I called XXXX University Student Account Services, and they stated that I did not owe money to the school, but rather, that this was an issue with Financial Aid and my student loans. I called the Financial Aid office and reached a recording which instructed me to call XXXX XXXX for issues of late payments on student loans. This was my first encounter with this company. I called Heartland and spoke with a representative who verified the following information ; name, telephone number, last four digits of my SSN, school/university attended, and mailing address. Each identifier was correctly recorded in the Heartland system, except for my address. I have n't lived at that address since XX/XX/XXXX. The correct address was on file at XXXX University during the time that I applied for the Perkins loan in XX/XX/XXXX.  I explained this to the Heartland representative. He stated that my repayment requirements began in XX/XX/XXXX and that I was past due on this payment by 30 days AND past due for the XX/XX/XXXX payment. Heartland had not yet reported this additional late bill to the credit bureaus. I asked the representative why I had not been contacted initially in XX/XX/XXXX ( or at any other point in XX/XX/XXXX ), at least by phone ( since the mailing address was incorrect ), and he stated that an agreement between XXXX University and Heartland stated that the Heartland company would not contact XXXX loan recipients until their accounts were 90 days past due. This was because of a fee which would be charged to XXXX by Heartland for contacting loan recipients within that 90 day window. 
But, Heartland was able to notify TWO credit bureaus within 30 days. 
I set up an online account today with Heartland, paid the amount which was owed, and created a monthly auto-payment to prevent future issues, but I still have the missed payment reflected on my credit report. The Heartland representative said that he could not assist me in filing a correction with the credit bureaus.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX sent me a letter back on XX/XX/2024 threatening to repossess the vehicle. Meanwhile XXXX XXXX XXXX can not Validate the debt at this time according to XXXX XXXX XXXX. A Cease and desist was placed on the account. XXXX XXXX XXXX are still adding fees, falsely stating that a confirmation number given to me is my previous account number when it is not, and also making negative remarks on my credit report. Meanwhile, XXXX XXXX XXXX can not provide Validation at this time. It's been more than 30-45 days now. Send Validation of debt and the correct account number. Until then, since a cease and desist is in place by XXXX XXXX XXXX, no remarks or inaccurate reports should be placed on my credit report.
Consumer complaint received 2023-01-26
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: Experian Information Solutions Inc. (CA)

In accordace with the Fair Credit reporting act. The List of accounts below has violated my federally protected consumber rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX Account number:XXXX Account name : XXXX XXXX XXXX XXXX  Account number:XXXX  Account name : XXXXXXXX Account number:XXXX Account name : XXXX Account number:XXXX Account name : XXXX XXXX XXXX  Account number:XXXX Account name : XXXX XXXX XXXX Account numberXXXX 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 a account without my written instruction 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.

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.
Consumer complaint received 2018-01-11
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Commonwealth Financial Systems, Inc. (TX)

Complaint filed on XX/XX/XXXX with original company - they continue to send me collection letters from different credit companies. The original debt was {$280.00}. You do not pay more for debt when you purchase it. Being in the default industry you buy debt for pennies on the dollar. This company is stating I owe them 5x times the amount of the original amount. The original creditor was XXXX XXXX XXXX. The collection agency assigned to this debt was XXXX XXXX XXXX ( XXXX ) account # XXXX. XXXX sold this collection account on XX/XX/XXXX (  approximately ) to XXXX XXXX XXXX XXXX, XXXX ( account number XXXX XXXX ) and the amount of {$1500.00}. I am confused. Former complaint number : XXXX. Now this debt which is passed the statute of limitations in the state of Texas is sold to this company who is now harassing regarding this debt and has placed it on my credit reports for all 3 bureaus. 

Texas Surety bond information as required by Sec. 392.101 -  my original signature on the application from the creditor - my original signature on an application with your office consenting to any service. Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ). 

Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ) Regards
Consumer complaint received 2023-01-09
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. (GA)

The accounts identified in the attached file are a result of identity theft and do not relate to any transactions made by me. The identified accounts also contain information solely as to transactions or experiences that should be excluded from any consumer report.
Consumer complaint received 2021-02-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

The issue is the annual escrow account disclosure statement dated XX/XX/XXXX. The letter states our mortgage will go up to {$1500.00} effective on XX/XX/XXXX. This is an increase of {$250.00} a month, which equates to {$3000.00} a year. The statement lists an escrow shortage of {$2200.00}. This is despite the fact our taxes went down {$130.00} as compared to XXXX. During our phone calls, no one, including supervisors, could explain why our mortgage payment would go up while our taxes went down. Clearly there is an error. We have continued to pay our previous amount of {$1300.00} based on the conversation we had on XX/XX/XXXX. I've attempted to contact LoanCare/XXXX  many times and did receive a letter from them. However, the attachments weren't there and the question ( s ) weren't answered. I've tried to call the number listed for direct contact but the message just say " unavailable '' and there is no option to leave a message. I've been working on this for 4 months now and they are charging late fees in spite of the fact one supervisor said to continue with my existing payment until escrow does their review. My question boils down to this : if I've been paying my mortage on time and in full for the last several years, why do I have an increase of {$250.00} a month XXXX $ XXXX XXXX when my taxes went down? They continue to site a " shortage '' but fail to tell me where the shortage is from and how it was calculated. 

Please help! 
XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX
Consumer complaint received 2022-01-06
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. (CA)

I have sent letters to XXXX, Experian and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. They were inquiries showing on my report and these report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

There are fraudulent account on my credit report ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX there are also fraudulent inquires from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) I sent in a police report showing this is fraud and Identity Theft report from the FTC. They have refused to provide me with any proof how this was verified or refused to delete the accounts. As for the inquiries they refuse to remove them even though I provided a police report and a Identity Theft report from the FTC. TransUnion representative, stated its not there job to remove inaccuracy accounts or inquiries from my credit report regardless if I provide proof that there fraud. That its up to the creditor to remove it, if the creditor states do not remove it from the credit report they will not. Unless TransUnion receives a letter from the creditor nothing will be removed regardless if the accounts are not verifiable.
Consumer complaint received 2018-01-11
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. (FL)

I have contacted the credit company by certified letter asking them to take it off and that it did not belong to me about 6 months ago. They refused and had no prof it is my account. The company reporting is XXXX XXXX for a XXXX account alleged for on X/X/2015. I was never with XXXX I was with another company. I have even asked the credit bureaus and they have denied me my legal right as well. Please help.
Consumer complaint received 2017-12-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (FL)

Coinbase, the crypto currency wallet/exchange company, due to security reasons disabled my account and told me it would take 4 business days for them to verify the cause and give me an answer. Its been more than 8 business days and i still have n't heard back from them. Customer support stopped answering phone calls due to high volume of traffic. And when they did, about 3 days ago, they could access the account but werent able to give you any information. I spoke with at least 5 representatives and all they said was that i just needed to wait for someone to contact me by email. My funds are frozen and i cant access my account, I looked online to see if more people were having the same problem and found out there is thousands of complaints of people blocked out and accounts disabled for months. I currently have XXXX dollars and seems like i 'm going to loose my money. I thought this was a serious company since its based in XXXX XXXX and its the biggest crypto currency wallet in the world. 
Please do something!!!