davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-07
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 — Problem with personal statement of dispute
Company: National Credit Systems,Inc. (FL)

XX/XX/2021 National Credit Systems on behalf of my former landlord, XXXX XXXX, XXXX, placed collection on my credit report for {$21000.00}. 
NCS acct XXXX Prior to this I submitted a dispute to NCS for the amount charged and being collected with explanation. NCS stated the information was insufficient to validate, dispute or revise their records. The dispute included Federal, XXXX and local statutes, executive orders which were in place that prohibited any eviction. My response also stated that we vacated the property, at the XXXXXXXX XXXX XXXX  XXXX XXXX listed a named individual and referencing email ) on XX/XX/2021 and that the charges listed by the landlord were billed through XX/XX/2021. This also is evidenced on the eviction order. 
A dispute and response was filed with the district court within 1 day of notice and stamped by the clerk. No hearing was held, no state, local or federal statute was followed whereby a hearing should take place under my rights, nor has the landlord, its lawyers, or NCS provided me with the required tennet information in writing, outlining the protections that were and remain in place for tennents on the same day the eviction was filed. This is a XXXX law. 
Te landlord charges list late fees which are also banned under the Federal, Executive Order by Florida XXXX and CDC moratorium which are invalid. 
A XXXX hardship form had been supplied to the landlord months in advance of eviction filing and is on record. 
Gate passes were charged as not being returned when maintenance staff were told where they were in the unit in the main entry table. 
The XXXX and Eviction Moratorium also states that misleading statements about this order used to collect a debt or rent is a breach of Federal law. 
No charges should have accrued past XX/XX/2021 yet they are listed and charged through XX/XX/2021. 
No itemized water, sewer or cable charges have been supplied to me. Any rate could be listed and the calculations remain unseen to validate them. 
The landlord stated that they never intended for eviction to occur as they were seeking funds from XXXX XXXX Cares which were approved and due to be disbursed on XX/XX/2021, per XXXX XXXXXXXX XXXX. This is evidenced in emails from XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX who had to withdraw the funding as it had already been allocated and was being sent to XXXX. XXXX has not shown any evidence that they did or did not receive funds from XXXX XXXX XXXX or their correspondence to such.
Consumer complaint received 2017-12-21
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (IL)

I purchase a sofa set in XXXX I looked at a sectional an set on I order sofa love seat got it when I set on it I sinks so low that I am setting on the frame I called and called final after XXXX weeks of waiting on a call I went explain they sent some one to the house .he offer me more pillows saying that it sink and that it is far back an he will go into the office do a report. since XXXX XXXX I been waiting calling and no reply they let me inquire about a new couch but I am still waiting I understood I have seven days but I called an had to wait to go there I am making my payments for a sofa I do not set on I ask for an exchange in I upgraded still waiting. I went to value city purchase XXXX received it XXXX XXXX called XXXX XXXX waiting on call went in supervisor in meeting XXXX hr called a XXXX called me I went in XXXX XXXX explain they decided I have to wait till inspector come out he did I made inquire still waiting as of XXXX XXXX
Consumer complaint received 2021-04-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I reviewed a copy of my credit report and I see that there is collection item listed that I am not aware of. I attempted to contact the collection company and request verification and received nothing back. I understand that this is a violation of FDCPA and need to have account deleted.
Consumer complaint received 2022-11-16
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: CMRE Financial Services, Inc. (CA)

I am a victim of ID Theft. I have shown substantial amount of proof that I am a victim and I have never opened accounts with XXXX XXXX XXXXXXXX and CMRE. They will not block these fraudulent accounts. Also all three reporting agencies ( XXXX XXXXXXXX, XXXX ) will not block these fraudulent accounts.
Consumer complaint received 2022-04-28
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: JPMORGAN CHASE & CO. (MA)

On XX/XX/XXXX, ( This was an early payment for XX/XX/XXXX payment ) I made a mortgage payment to XXXX XXXX. The payment was for {$3400.00}. However, I was notified at the last minute that my mortgage was going to transfer to Chase Mortgage. I contacted XXXX XXXX about this matter, and they told me that they were going to send the XXXX mortgage payment to Chase automatically. So, given I was instructed this, I left the situation alone. In XXXX, I get a notice that my payment was not received. I called Chase, and I was told that I was protected for 60 days as sometime mortgage companies are late with the transfer of payments. This past XXXX, I get a phone call from Chase that they reported me to Credit due to lack of payment. I asked them why, and they said that they never got the payment back in XXXX from XXXX XXXX 

Instantly, I contacted XXXX XXXX and they said they never got my XXXX 's payment. I called my bank and located the electronic payment, and it showed that I made the payment, and they received in on XX/XX/XXXX. In addition, I also have emails from XXXX XXXX indicating they received my payment. 

I have sent Chase various statements, pictures and documents showing proof that I made the payment on time, and XXXX XXXX did not due their part in the transfer. This has been going on for about a month, and despite all of the poof I have shown, Chase still will not remove the negative reporting on my credit. 

Given I have shown proven that I have made the payment, this is now no longer my issue. This is clearly between XXXX XXXX and Chase. Despite this, they still say the same thing to me every week " we are investigating about the matter ''.
Consumer complaint received 2024-03-26
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. (MD)

On XX/XX/24, I paid the full balance shown on my monthly statement, total of {$26000.00}. This my normal practice, I pay the full balance each month. Not sure if it was my error or the bank 's, but the full amount was paid XXXX, so that a second payment of {$26000.00} was also processed on the same date. I called my payor bank and the credit card ( both Citibank ) on XX/XX/24 to try to stop the payment, but the said they could not stop it on a weekend. On XX/XX/24, I called the credit card ( Citibank ) and requested a refund of XXXX of the XXXX payments. Citibank said it would take XXXX business days. I asked for expedited payment ; they said they would try and get back to me. One XX/XX/24, a Citibank representative called and said the refund would be processed in XXXX business days. On XX/XX/24, I called Citibank again because the refund had not processed. A supervisor named XXXX told me it would still be XXXX business days. I told them that I would be filing a complaint with CFPB if the money was not refunded by XX/XX/24. As of today, I have not received any refund and I have heard nothing more from Citibank. Because Citibank failed to provide a refund, I was unable to pay the full monthly balance on another card ( XXXX XXXX  ) and incurred {$330.00} in interest.
Consumer complaint received 2019-10-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (GA)

My home was broken into and the personal information of myself and my spouse was stolen. After we reported the incident, a few months later we receive a collection letter in the mail for an amount of XXXX. We went to the originating company and advised them that it was fraud and they were not willing to help us and stated that they already sent the file to the credit collection company and we would have to deal with them. We have reached out to the credit agencies and provided police reports showing that it is fraud and they are un willing to help, even when the first thing their recording says when you call to speak to them, " We are only collecting a debt that you owe '' and I do not owe the debt because it is fraud.
Consumer complaint received 2021-04-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (NY)

On XX/XX/26 around XXXX XXXX my coinbase account was hacked. The hacker attempted to sign in multiple times requesting multiple codes and the company allowed them to request up to 15 until finally they were able to XXXX  my account by adding their own phone number and secondary authentication. I woke up at XXXX XXXX  to the 15 text messages of the codes and immediately signed into coinbase changed my password, added a second factor code, and locked my account to any future sign ins. I tried to delete my bank account and the new phone numbers but was not allowed to because the verification codes were being sent to the new numbers. I immediately emailed the company about my issues. Although the company told me the account was locked, hackers were able to complete 3 withdraws from my XXXX account one for {$200.00}, one for {$500.00}, and XXXX for {$250.00}. They also sent all of my XXXX, {$950.00} to other accounts while my account was supposed to be locked. I have been emailing the company and only receive robot responses. I am not locked out of my account completely and have no way to sign in.
Consumer complaint received 2020-09-08
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)

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The accounts listed below are not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

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 XXXX XXXX  XXXX  XXXX
Consumer complaint received 2021-07-15
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Outsource Group, Inc (NC)

This is in reference to case # XXXX they provided documents that are not my bearing my signature. I have uploaded my actual signature. Which is leading us into a legal a hippa law violation and also false misrepresentation with the false signature. I will be seeking legal actions if they can't provide a contact myself and Medicredit. I am going to suit the company. This is the last complaint will be submitting and I next will be seeking a lawsuit. Please compare the signature below. 


This was their response : Medicredit has received the complaint filed by XXXX XXXX XXXX and has conducted a thorough investigation. Account number ending in XXXX was placed with our office on XX/XX/2021 by our client, XXXX XXXX XXXX XXXX XXXX. On XX/XX/2021, a notice was mailed to the address provided by the consumer to our client at the time of service. Account number ending in XXXX was placed with our office on XX/XX/2021 by our client, XXXX XXXX XXXX XXXX XXXX. On XX/XX/2021, a notice was mailed to the address provided by the consumer to our client at the time of service. In an attempt to answer any additional questions regarding the validity of the debt, we have attached, to this complaint, a copy of the itemized bill and signed consent provided by the consumer at the time of service.
Consumer complaint received 2024-03-19
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (NV)

Credit Acceptance Corporation makes predatory loans to millions of financially vulnerable consumers trying to buy a used vehicle. CACs loans carry exorbitant interest rates, are loaded with expensive add-on products, and saddle borrowers with debts that even CAC believes the borrowers often can not afford to repay in full. CAC aggressively markets itself as an alternative for consumers with limited credit options and touts its loans as a way for consumers to build their credit and gain financial freedom. 

I'm affected by Credit Acceptance Corporation shady tactics. In 2018, my car was totaled due to an accident. Credit Acceptance sent me a settle for less offer on the remaining balance. They gave me a date that the payment was due, just to send my balance to collections before the payment date. This caused my credit to drop XXXX. The multiple times i called, each representative told me that there's nothing they can do since its now on my credit report. I just learned of the class action lawsuit filed in New York against this company. This is the reason for my formal complaint.
Consumer complaint received 2022-04-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (NY)

Someone was able to log into my bank account, steal my identity, and issue a {$49000.00} wire transfer emptying my savings account. I received an email confirming the transaction, and I immediately realized to be the victim of fraudulent activity. I called the bank within 2 minutes, but unfortunately, due to slow customer service and heavy calls volume, I could only speak to a fraud specialist XXXX later. The fraud department told me that, unfortunately, the funds were already gone and helped me to start a claim and submit an affidavit. ( This happened within the first 2 hours from the time of the fraud on XX/XX/2022 ). On a recorded line, the Fraud specialist also assured me that I would receive a provisional credit pending investigation. The bank later refused to credit me for the amount bringing up company policy and other excuses regarding wire transfer fraud protocols.
Consumer complaint received 2022-04-07
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: EQUIFAX, INC. (SC)

I need these reports to go to all three credit bureaus. Equifax, XXXX, and XXXX. The credit bureau stated my account was properly investigated but how is that possible if the open date is inaccurate. The date last active is inaccurate and date last reported is not accurate. This is grounds for removal also violated my rights under 1581.

15 USC 1581 Section 694 A It so states the right to privacy.

15 USC 1581 Section 604 A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-09-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

spoken to several of the credit card companies and collection agencies, with multiple representatives over a 1 year period and have yet to receive help or feedback. Alot of the times this has something i can deal with in a timely manner however with covid 19 i am struggling and find it hard to survive with bad credit and can ; t get approve for any emergency loans to assist my living arrangements and with the countless letters i have mailed out and reach out this is hard.
Consumer complaint received 2022-04-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am filing his complaint because the bureaus have refused to remove the disputed accounts from my account and they have been very stern despite my numerous attempts to contact them to have the negative accounts dispute. I am seeking your help regarding this and I would appreicate it if can talk it out with them to remove the Bankruptcies and under negative accounts that are wrongly placed in my credit report.
Consumer complaint received 2024-03-19
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (MI)

I received a cat loan from credit acceptance in XX/XX/XXXX on a XXXX XXXX XXXXXXXX my loan amount XXXX in XXXX they came and repossessed my car they never sent any letters or anything
Consumer complaint received 2022-04-28
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: EQUIFAX, INC. (PA)

In accordance with the fair credit Reporting act XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2021-05-07
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: Phoenix Financial Services LLC (NJ)

This Cfpb complaint is a request to help me remove the account does not supposed to be in my credit report. A collection company is still continuously reporting this account in my credit report. Please be informed that this case is considered as debt parking because the same original company and balance has been on and off my credit report. The original creditor of the account I am disputing is from XXXX XXXX XXXX XXXX XXXX for the balance of {$550.00} this was reported before in collection company XXXX XXXX XXXX on XX/XX/XXXX. During that time I disputed this account directly to XXXX XXXXXXXX XXXX and 3 credit bureaus. I even requested validation of debt because I am even familiar I am sure that I do not owe them anything. And after few months of disputing this account this was eventually removed XX/XX/XXXX. I believe that because they lack information and validation to prove that I owe this was removed. However, as review all of the accounts reporting in my credit report on the same XX/XX/XXXX report this is now reporting in other collection company PHOENIX FINANCIAL SERVICE. I confirm that this is he same account because of the balance and the original creditor. This is plain and clear debt parking concern. This debt from XXXX XXXX XXXX XXXX XXXX is on and off my credit report and being reporting in different companies. This is negative information that should not be in my credit file ever since. If XXXX XXXX XXXX give up and removed this account in my credit file due to lack substantial evidence then I need PHOENIX FINANCIAL SERVICE to remove this account as well in my credit report. This account has been affecting my credit score. All the credit bureaus has been reporting this account without making the collections company responsible with the accuracy of their report. It is almost a year that I am suffering for this inaccurate report. Please completely cease the reporting of this account in my credit report.
Consumer complaint received 2021-05-07
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: EQUIFAX, INC. (TN)

Collection Account : XXXX and XXXX Account # XXXX Balance : {$1100.00} Date Opened : XX/XX/2020 This is a formal complaint against Equifax. I have been disputing this account since XX/XX/2020 with Equifax because of erroneous and inconsistent reporting of this account to my credit report. This account has been deleted by the other two bureaus, XXXX and XXXX but for some reason, I see this account still reported in Equifax. There is only one source of information, which is the original creditor of this alleged account. How can the other credit bureaus delete it but not in one bureau?
Consumer complaint received 2021-05-07
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had a Bank of America prepaid card where my unemployment benefits were deposited. On XX/XX/2021 my account was hacked and I lost {$3000.00} dollars. I spoke with Bank of America on several occasions and did not receive a solution. On XX/XX/2021 I was informed the money fraudulently withdrawn from my account will not be reimbursed by Bank of America. I want to know if there is anything else I can do to dispute this decision.
Consumer complaint received 2023-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

Accounts show the wrong address, phone numbers, and employment. 

Other Address XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone Number ( XXXX XXXX XXXX XXXX XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX Occupation XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-07
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. (GA)

I am trying to fix things that happen beyond my control and there was another item that was not added to my identity report. All items submitted were of question to me and, it has not been updated and investigated properly. Items being verified because of my address and any other means does not mean I open the account. I have updated the ID theft report to add XXXX XXXX.