davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc. (OH)

To whom it may concern, I am writing to formally dispute an inaccurate, and unverifiable account on my consumer credit report being challenged : National Credit Systems INC - Account Number : XXXX. 
On XX/XX/year>, XX/XX/year>, and XX/XX/year>, I mailed successive disputes regarding the accuracy of the aforementioned account, National Credit Systems INC - Account Number : XXXX. Pursuant to the Fair Credit Reporting Act and 15 U.S.C. 1681, the data furnisher, National Credit Systems INC, received these disputes, and failed to reply each time and send requested documentation. Both statutes mandate that the data furnisher investigate and respond within thirty ( 30 ) days of each notice. 
Unfortunately, despite the receipt of each dispute and the accompanying relevant documentation sent via the United States Postal Service, National Credit Systems INC has repeatedly failed to adhere to its legal obligations under FCRA and U.S.C. 15 1681 by neglecting to respond within the specified timeframes. This consistent failure to respond constitutes a serious violation of my rights as a consumer. National Credit Systems INC has consistently failed to respond to each dispute and neglected to provide the requested documentation. In documented violations of 12 CFR 1006.34, 12 CFR 1006.30, 12 CFR 1006.34 ( b ) ( 2 ), ( c ) ( 2 ) and the FCRA. This list is not exhaustive. Under the FCRA and 15 U.S.C. 1681, both of which govern consumer credit reporting, data furnishers like National Credit Systems INC are obligated to investigate and respond to disputes within thirty ( 30 ) days of receiving notice. Each of these disputes was documented with signatures upon delivery, including those of representatives XXXX XXXX and XXXX XXXX. Despite the acknowledged receipt of these disputes, National Credit Systems INC has failed to respond or take any corrective action. 
Attached are copies of all correspondence, including the dispute letters and proof of delivery via the United States Postal Service, reaffirming the failure of National Credit Systems INC to fulfill its legal obligations under the FCRA. 
I am demanding prompt deletion of this inaccurate and unverifiable account due to the repeated failure of National Credit Systems INC of failure to adhere to conduct an investigation and send documentation as required under the FCRA and proper CDIA protocols. National Credit Systems INC, has failed to conduct an investigation into the disputed account within thirty ( 30 ) days as evidenced. THE DISPUTED INFORMATION MUST BE DELETED.
Consumer complaint received 2024-03-07
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions (TX)

I was staying at XXXX XXXX XXXX for about XXXX years. I always paid my rent & was never late. XXXX XXXX I had a friend visiting for a week, unfortunately he was kill right in front of the leasing office. I couldnt live there anymore I immediately moved in with my mother in XXXX. My mom talked to XXXX who was the XXXX at the time she explained everything was okay & she would get me approved out of my lease due to the death. My mom had me sign a paper that XXXX provided and my mom had all of my belongs moved out the same month.my rent was paid up to date & keys was left there. XXXX years later I try to move on my own again & I am being denied due to eviction. I was never evicted nor ever severed paper of eviction. I reached out to new management there are not trying to help at all. I now have a debt XXXX due to miscommunication and wrongful eviction
Consumer complaint received 2021-03-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Meridian Financial Services, Inc. (TX)

Meridian Financial Services posted 4 collection notices on my credit for something I knew nothing about. I called them to get information and they could not give specifics. All I could find out was that it was about some timeshare from 20 years ago. Then they mailed me a letter after I gave them my address to say the claim is valid because it has not been disputed. I turned this over to my attorney and he sent them a registered letter disputing the claims. 

We havent heard anything since. Clearly I did not have the opportunity to dispute before they significantly affected my credit. I am filing a formal complaint in this matter.
Consumer complaint received 2024-03-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (OH)

Dispute ID # XXXX CHIME VIOLATION OF REGULATION E REGARDING 10 DAY DISPUTE INVESTIGATION I am reaching out regarding chime investigation team process regarding a dispute where I was wrongfully charged on my chime card when I paid another way. It is passed the 10 day mark as of today, as I was informed by a rep that if they cant resolve the matter within 10 days I will be issued a refund this is also backed by banking law. I supplied the required documentation of the receipt that was emailed to me directly from XXXX because I no longer had the paper receipt unfortunately. 

I contacted chime customer support regarding a charge of {$500.00} at my local XXXX. I expressed to the customer support team that I did visit this XXXX location & I did pay {$500.00} but in CASH. I expressed to them that I shouldve never been charged on my card when I paid that amount in cash, to where they asked me to submit supporting documentation ( my receipt ) for proof to help get my money refunded. I submitted a copy of receipt that I received from XXXX corporate because I contacted them as well and theyre well aware of what has transpired, the receipt shows clear as day my way of paying for the transaction was in CASH. I have contacted chime support asking what is the hold up I showed proof that I paid in cash, and basically I havent received any answers as to the lack of urgency chime investigation team has shown to my concerns. 

I will also attach proof of receipt within this email. Hopefully to be refunded the amount of money I was wrongfully charged on my card. Please and thank you. 

I am wanting to get this matter resolved rather than taking legal alternatives but if legal alternatives is the only option for my concerns to be resolved, I will take that route. This is my umpteenth time attempting to contact CHIME with no response or explanation which is very derogatory. Which is why I am filing this complaint with the CFPB.
Consumer complaint received 2020-05-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX   XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2015-06-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (AZ)

Creditor : XXXX ( i canceled service XXXX XXXX : customer service says disregard {$55.00} bill, wait for final. 2months, no final, convergent outsourcing XXXX collections XXXX contacts by phone, i say send the bill, they do, meanwhile i pay {$55.00} bill to XXXX to see if that resolves, then convergent sends {$230.00} bill, i pay that, then convergent sends bill additional for {$180.00}, i will not pay, this is fraud. Please respond. Thank you.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

I recently received a copy of my credit report from one of the credit agencies. XXXX, Equifax or XXXX. Upon reviewing it I noticed some discrepancies that I would like to address. There seems to be a record of payments and inaccurate accounts associated with my profile specifically concerning the account under ( XXXX XXXX ). I want to clarify that I have never been late in making payments for this account. Kindly provide documentation supporting any alleged payments so that we can rectify this error. If you are unable to provide evidence, I request that these inaccuracies, be promptly removed from my credit report as per 15 USC 1681b. It appears that there may have been a misunderstanding or oversight on your end regarding the reporting of information related to my account. According to the law outlined in 15 USC 1681b concerning purposes of consumer reports it is crucial to adhere to guidelines when furnishing consumer reports. As per the statute mentioned above consumer reporting agencies are only permitted to furnish consumer reports based on written instructions from the individual. Therefore, I urge you to verify whether I explicitly authorized the inclusion of this information in my credit report. Thank you for your attention and cooperation, in resolving this matter efficiently. Additionally, the FAIR CREDIT REPORTING ACT, under section 15 USC 1681 ( XXXX ) ( a ) ( i ) specifies exclusions regarding information in consumer credit reports. ( XXXX ) EXCLUSIONS. With the exception outlined in paragraph ( XXXX ) a " consumer report '' does not encompass Within the provisions of section XXXX XXXX of this title any ( i ) report that solely contains details about interactions or transactions between the consumer and the reporting entity. Kindly remove the payments from my consumer report as it violates 15 USC 1681. Failure to adequately respond by deleting the specified account from my report and providing a complimentary copy post adjustments will lead to action against your organization. I intend to seek {$1000.00} per violation for. XXXX. Defamation of Character XXXX. Negligent Enablement of XXXX XXXX XXXX. Violations under XXXX XXXX Collections Practices XXXX specified in 15 USC 1692g XXXX. Willful noncompliance with Fair Credit Reporting Act outlined in 15 USC 1681. Liability, for noncompliance [ XXXX XXXX. XXXX In ] XXXX year payment history is erroneous and incomplete with all three credit agencies. XXXX : 30 days late XX/XX/2023 & XXXX XXXX XXXX days late. 
XXXX : XXXX days late XX/XX/2023 and XXXX XXXX XXXX days late. 
Equifax : XXXX XXXX XXXX  days late and XXXX XXXX XXXX days late, XXXX XXXX XXXX days Late and XXXX XXXX XXXX days late.
Consumer complaint received 2017-03-10
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (CA)

I received a legitimate-looking letter in the mail from debt collector Convergent Outsourcing , Inc . It claims that I have an account with XXXX, with a past due balance of {$190.00}. It claims to offer me a reduced balance of {$96.00}, as a one-time-only offer. 
I do not have an account with XXXX, nor do I live, or have ever lived, in a state in which XXXX offers services. I called XXXX to make sure this is not a case of identity theft, and they confirmed that I do NOT have an account with them. 
This is a case of fraud, but I am not sure if the company Convergent Outsourcing , Inc., itself is the perpetrator, or if there is another party posing as Convergent Outsourcing , Inc., to carry out this fraud.
Consumer complaint received 2024-05-04
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (MD)

JP Morgan Chase engaged in deceptive marketing to get me to apply for the Chase Slate Edge credit card.

They sent daily promotional emails advertising 0 % APR on purchases & balance transfers for 18 months to illicit me to take action.

I applied through the Respond Now link and was approved for {$8500.00} credit limit with 28.24 % APR on all new purchases & balance transfers.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC (GA)

Dear Jefferson Capital Systems LLC, I hope this communication finds you well. I am writing to address serious concerns regarding potential security fraud associated with my investment with Jefferson Capital Systems LLC and the actions taken by XXXX XXXX XXXX, a third-party debt collector. As an investor, I provided Jefferson Capital Systems LLC with an asset-backed security, aligning with the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 16815-2. Jefferson Capital Systems LLC, as the original creditor, is obligated to furnish accurate information to credit reporting agencies. The absence of a system to verify billing statements with investors, as outlined in 15 U.S.C. 1666 ( b ), raises significant questions about the permissible purpose for reporting such information without explicit written consent or a court order. Jefferson Capital Systems LLC, a third-party debt collector, I want to emphasize UCC Article 9 - Secured Transactions ( 9-609 ). This section mandates that a secured party must conduct enforcement in a commercially reasonable manner.

The discrepancies in my billing statements suggest a potential violation of UCC Article 9 ( 9-609 ) guidelines by Jefferson Capital Systems LLC . Moreover, a critical issue in the billing statements has come to my attention.

A billing error is present, portraying my dividend check inaccurately as an amount I am required to pay.

This misrepresentation is a serious concern and constitutes security fraud, distorting the nature of my financial obligations.

I request a thorough investigation into both the security fraud concerns and the billing statement error.

This investigation should include a comprehensive review of my account, along with a XXXX XXXX, to ensure transparency and validate the financial details associated with my investment. I must also highlight that Jefferson Capital Systems LLC is attempting to collect a debt I never owed. 

My primary objective is to resolve these matters amicably. A comprehensive and timely correction of my credit report, addressing the billing statement error, and halting unwarranted debt collection are crucial steps for the best interest of all parties involved. I kindly request the immediate Deletion of this account in my credit report, aligning with federal laws, particularly the FCRA, and UCC Article 9 ( 9-609, 9-625 ) requirements.
Consumer complaint received 2021-10-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (CA)

I was locked out of my PayPal account by an ex partner and PayPal knows this as they approved already some dispute claims I filed. But then I filed for another dispute that I noticed and I filed on XX/XX/XXXX and was denied over night by the morning they had reviewed my case, investigated and then proceeded to deny my claim and then close my account. I hardly believe that PayPal thoroughly investigated. In a few hours. I was my money back and a proper investigation. Dispute case : XXXX.
Consumer complaint received 2024-05-04
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (FL)

I asked the company to view the police report that I sent to them. I informed them that the account was a product of fraudulent activity. I asked them to remove any negative information on my credit report.
Consumer complaint received 2024-05-04
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Westlake Services, LLC (OH)

I gave back a car that did not run properly and had multiple issues and recalls from XXXX XXXX XXXX. This vehicle should have never been sold to me, the car lot where I bought it had been closed down and is under investigation for fraud! 
I in return could not even trade in this vehicle because of the recalls! So therefore I gave it back to the finance company.
Consumer complaint received 2024-05-04
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIZENS FINANCIAL GROUP, INC. (DE)

This complain is closely related to the previous two complaints under # # XXXX and XXXX. In the last one officer of the bank indicated that I could fax the required documents again or call their fraud line. Since I have hearing problems and do not use phone to discuss important issues, I fax the requested document again on XX/XX/2024. Until today, XX/XX/2024 the reward amount was not transferred to our account!!!
Consumer complaint received 2024-04-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

According 15 U.S.C 1692c c ) If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with consumer with respect to such debt.
Consumer complaint received 2017-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Pinnacle Credit Services, LLC (CA)

XXXX XXXX XXXX STILL HAS {$49.00} THAT I PAID TO CLOSE MY ACCOUNT WITH THE CREDIT UNION XXXX XXXX XXXX XXXX XXXX HAS {$460.00} THAT I CLOSED 10 YEARS AGO IS STILL ON MY CREDIT REPORT
Consumer complaint received 2024-03-06
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Fay Servicing, LLC (PA)

In XX/XX/2023 I was struggling with payments. Fay Servicing advised me to fill out hardship application and they would review and get back to me in 30 days. They would not accept monthly payments I was trying to make because account fell behind and they wanted XXXX payments. This is when they advised me to do hardship application. It is now XXXX and they are not responding. You can't get thru their phone lines or get anyone to answer me. They have now turned over account for legal action. And payments keep falling further and further behind because they wouldn't let me attempt to pay. I understand legal action was already taken in the past against Fay Servicing for hiding info from consumers. I need this resolved. Sounds like they are avoiding me at all costs. Tried to call their XXXX XXXXXXXX and voice box is full. XXXX XXXX message before and he never called back
Consumer complaint received 2024-03-06
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: GOLDMAN SACHS BANK USA (CA)

The Apple Card provided by Goldman Sachs and XXXX is a credit card that I have been using since it is easy to use Apple Pay anywhere. However, I have heard and experienced many issues when it comes to disputes. The Apple Card dispute team has refused to resolve many disputes not in my favor even though I have sufficient evidence. This has been going on far too long and Apple Card keeps randomly rebelling me these transactions so I have to go back and reopen the dispute since it is not my obligation. It is unethical to rebill me something from 2 years ago and this is what I want to get to the bottom of and resolve finally through this bureau. Please keep in mind this is ongoing so there are quite a few. 

Here are the following dispute transactions that the Apple Card has refused to resolve in my favor and keeps rebilling my account for : Merchant : XXXX Date : XX/XX/XXXX Amount : {$140.00} Action taken by Apple Card : Rebilled my account and forced me to reopen the dispute that they will most likely rebill again. 

Merchant : XXXX Date : XX/XX/XXXX Amount : {$90.00} Action taken by Apple Card : Rebilled my account and forced me to reopen the dispute that they will most likely rebill again. 

Merchant : XXXX XXXX  Date : XX/XX/XXXX Amount : {$110.00} Action taken by Apple Card : Rebilled my account and forced me to reopen the dispute that they will most likely rebill again. 

Merchant : XXXX Date : XX/XX/XXXX Amount : {$64.00} Action taken by Apple Card : Rebilled my account and forced me to reopen the dispute that they will most likely rebill again. 

Merchant : XXXXXXXX XXXX Date : XX/XX/XXXX Amount : {$74.00} Action taken by Apple Card : Rebilled my account and forced me to reopen the dispute that they will most likely rebill again. 

Merchant : XXXX XXXX XXXX Date : XX/XX/XXXX Amount : {$68.00} Action taken by Apple Card : Rebilled my account and forced me to reopen the dispute that they will most likely rebill again. 

Merchant : XXXX Date : XX/XX/XXXX Amount : {$25.00} Action taken by Apple Card : Rebilled my account and forced me to reopen the dispute that they will most likely rebill again. 

Merchant : XXXX XXXX Date : XX/XX/XXXX Amount : {$22.00} Action taken by Apple Card : Rebilled my account and forced me to reopen the dispute that they will most likely rebill again. 

Merchant : XXXX XXXX Date : XX/XX/XXXX Amount : {$110.00} Action taken by Apple Card : Rebilled my account and forced me to reopen the dispute that they will most likely rebill again. 

Merchant : XXXX XXXX Bar Date : XX/XX/XXXX Amount : {$19.00} Action taken by Apple Card : Rebilled my account and forced me to reopen the dispute that they will most likely rebill again. 

Merchant : XXXX XXXX Date : XX/XX/XXXX Amount : {$70.00} Action taken by Apple Card : Rebilled my account and forced me to reopen the dispute that they will most likely rebill again.
Consumer complaint received 2024-03-06
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc (CA)

I have an account with Affirm but there is someone elses email and phone number on my account where I can not login to find my information. The name that belongs to the email and phone number is : XXXX XXXX or XXXX and the past four digits of his phone number ends with XXXX so when Im trying to register/login or check on my account I cant because it either sends a message to this persons email or phone number. Ive called many of times since XX/XX/year>. Ive spoken to so many different people and Ive been told that a supervisor or team manager will get back to me or theyre working on removing this information from my account with no results and I cant see my account information and Im starting to think that its someone in there department committing fraudulent activity on my account.