davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-22
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: CITIBANK, N.A. (OH)

I have written dispute letters to XXXX, XXXX and XXXX and the creditor in regards to derogatory and negative closed accounts that are on my credit report. All letters were notarized and sent via certified mail starting in XX/XX/2018 and 30 days after each letter was received by the credit reporting companies in XX/XX/2018 and XX/XX/2018 and to the creditor on XX/XX/2018. The credit reporting agencies are saying they have verified the items but are not able to provide me with original documentations ( consumer contract with my signature ) showing that these accounts were indeed open by me. Nor are they responding to my request to state who verified these items and the method used for verification as required under Section 611 ( a ) ( 7 ) FCRA states that credit reporting companies must have a copy of the original creditors documentation ( a consumer contract with my signature ) on file to verify that this information is mine and is correct as required by Section 611 ( 5 ) ( A ) of the FCRA.

All creditors have sent me letters they do not have any original documentation. But have not removed accounts from my credit reports
Consumer complaint received 2018-08-21
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (OH)

Citibank initiated funds transfer upon account closure ( acct # XXXX ) to XXXX saving account # XXXX on XX/XX/2018 ( Item # XXXX ). However, this account was closed on XX/XX/2018. Hence, per XXXX, the incoming funds were rejected and sent to XXXX XXXX XXXX who acts as a clearing bank for CitiBank 's bill pay service on XX/XX/2018 using tracing # XXXX Upon contacting XXXX XXXX XXXX, they have not been able to locate the funds and requests Citibank to issue a recall notice. 

Please do not close this complaint till I get my funds back.These funds are my only savings and is causing me lot of stress and agony. 

Attached is the letter of XXXX bank and the proof of transmittal
Consumer complaint received 2018-08-21
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AmeriCollect (PA)

Hi, I have spoke to and disputed this bill 3 times now.I received three separate bills for the same day of service and one visit to my XXXX.Three different charges of XXXX broken down to three different accounts again for the same visit. I informed them that insurance has an agreement with these organization to accept a smaller amount or a settled amount for services so they are able to accept that particular insurance. I disputed the fact that I never signed anything that said I would owe a particular Dr. by the name of XXXX XXXX separately for the same services.I asked for a copy of were I signed and it said that. Despite the fact that I had full insurance and an account at work that would cover any differences.I never received an answer from them on what service it was and a signed contract that says I would pay Dr XXXX separately from my insurance. I just spoke to them and ask them why they would make it look like three separate accounts for one day of service at the credit bureau.It shows up as 3 collections on all three credit bureaus.Ido n't believe I should of been billed at all unless I knew I was going to billed twice.I am still waiting for the contract I signed that says I would pay that way.Never came.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I am disappointed because I have tried so many times to reach out to the companies to do something about the inaccuracies in my items but I am constantly ignored. Attached is my FTC for you to review all the inaccuracies reporting on my credit.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions 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. 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 2018-02-11
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: WELLS FARGO & COMPANY (IL)

Alright so back on XX/XX/2017, i made a car purchased and the dealer sent out inquiries to alot of lenders, i need help getting this disputed from my credit report, if you guys can help me that would be awesome. Please and thank you.
Consumer complaint received 2018-03-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (VA)

I co-signed a loan in the amount of {$27000.00} on XX/XX/XXXX in order for my stepdaughter to attend a program of study at XXXX in XXXX, VA. The school made promises of lifetime career counseling and job placement services as a benefit of enrolling in the program. The " school '' abruptly closed in XX/XX/XXXX, leaving many people completely out of luck and apparently, out of money. 

The original loan was with XXXX XXXX, and was taken over by Navient. Navient is who I have the issue with. My stepdaughter had the loan deferred and put in forbearance, and got a military rate reduction while her husband was XXXX -- now, in the year XX/XX/XXXX the balance on the XXXX loan is now over {$52000.00}. Circumstances have changed -- she is divorced and paying child support, has health problems and is not employed, so she isn't even able to pay child support. I had been making the Navient payments for her until the amount doubled with a rate change and I started trying to find out if it could be XXXX since the school closed. 
A Navient employee told me there was a good chance that this loan is dischargeable, but several others have given differing reasons as to why it is not. Meanwhile, I really can not afford a payment that is nearly {$500.00} a month. To avoid ruining my credit, I am trying to negotiate a lower payment with them, but I feel like the entire company has given us the run around ever since they took over servicing the loan. Exorbitant fees, different stories from different employees, no consistency in explanations, etc. Having read what others have gone through with Navient, I have no doubt that they are knowingly stealing from people for their own gain all the while covering their unfair business practices with a pseudo professionalism that's intended to try to calm the customer down so they will keep on paying.
Consumer complaint received 2018-02-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (CA)

On XX/XX/XXXX, I saw virtual currency removed from my Coinbase account. Concerned that I was hacked, I called Coinbase support team. Coinbase team explained that my bank reported insufficient funds, and that I was credited with excess virtual currency as a result. Hence, there was no hacking involved, and that money was removed by Coinbase to account for my checking bank account 's insufficient funds. However, per support team, since I called to inform that I was " hacked '', even if they agreed that I was not, they closed my account and will let their " specialist '' contact me to have it opened again and that " it is not under their hands ''. I have called the support team again multiple times, and was told repeatedly " they can not do anything '' and " wait for the specialist to call you ''. No one has reached out to me since they closed my account, and they refused to open my account for me to gain access to my own money. I am held hostage for being concerned that I was hacked, and up to this point, have no access to my own money because of their refusal to expedite the process claiming " it is out of their hands ''. I do not know what else to do as I have repeated called and emailed them to no avail. They are not giving me access for 20 days now and counting. Please help me get my access and my own money back.
Consumer complaint received 2018-03-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Reported by TransUnion XX/XX/2018, Got notified by XXXX XXXX an inquiry by XXXX was made using my identity. I am kindly contacting you because I did not personally make or authorize this inquiry. I contacted XXXX and they advised me to follow instructions on website and submit a request to have this hard inquiry deleted from my credit information. Thanks in advance
Consumer complaint received 2018-02-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (DE)

this was a result of a fraud account approved by Synchrony Bank acct # XXXX fraud balance {$740.00} this was disputed with Synchrony Ban bacl when account was Opened and deleted from credit reportsand now Synchrony bank has placed this fraud account back on my credit report this was due the XXXX Breach
Consumer complaint received 2018-02-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I was checking my credit report and discovered that Portfolio Recovery have been reporting information to the credit bureaus about a debt that they claim i owe. I send out the first letter to them which they received on XX/XX/XXXX requesting for verification and validation of the debt and a second letter which they received on XX/XX/XXXX because the response to my first letter was for me to provide them additional information about the debt. They are reporting information to the credit bureau under my social security number and they are asking me to provide them additional information about a debt that they reporting to the credit bureaus which is very frustrating. 
The last communication mail i received from them where two mails dated same date with different information which is why i believe this company is violation and in non compliance with the federal laws under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I will be attaching the return receipts for my certified mails i send to them and the letters i received from their office. 
They need to delete and cease from reporting wrong information to the credit bureaus which they can validate or verify. Thanks
Consumer complaint received 2018-02-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (GA)

this company has a XXXX bill they put on my credit report and they refuse to communicate with me about this debt. This is my Second time disputing this debt with the cfpb they sent me what they called debt verification the last time i disputed it but it wasn't sufficient ive tried emailing them i wrote them letters and ive tried calling to either verify this debt or pay it off because its hurting my credit but ive never gotten a response from any of my inquiries. im not sure what type of debt collector this is they are very poorly managed
Consumer complaint received 2018-03-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (MD)

I put my home for sale XX/XX/XXXX ... dropped the price multiple times with no buyers. In XXXX of XXXX we started the short sale process with Ditech, with a qualified buyer. Since then it has been an endless cycle of submit paperwork ( tax returns, paystubs, any revenue streams, hardship letter, etc. ), they hold it for so long ( about two weeks ) and then they want more recent info. I submit the updated info over and over, then they ask for something else but it is always the same results, like this is some sort of game. 

In XX/XX/XXXX, they claimed I asked for a modification ( not a short sale ), but that I was denied. I NEVER asked for that (? ), my taxes went from $ XXXX to $ XXXX in XXXX years and I knew that I couldn't afford to reside there anymore. They then admitted it had been a mistake in their system, so we began the paperwork merry go round again. 

My real estate agent suggested a lawyer may help speed the process, because by now several months had gone by again, so I hired one in XXXX. Same thing, they asked for a current P & L statement, and other information, which was already provided to them several times prior. So once again, I provided all info in a timely fashion. 

Summary : They ( Ditech ) have all the information regarding my P & Ls, from XX/XX/XXXX through XX/XX/XXXX, held it for two weeks, and now demand a quarterly statement of XX/XX/XXXX through XX/XX/XXXX. ( There is definitely a pattern here as you can see ) So another delay and change up tactic by Ditech, since they already have the pertinent information that they have requested. 

I have yet to be formally notified of the sheriff 's sale, I only know because my lawyer told me. Aren't they required to notify me by certified mail? According to my lawyer, they refuse to stop the sheriff 's sale while they consider the short sale, even though this has been held up by them since its inception in XX/XX/XXXX (? ) My Ditech account number is # XXXX. All correspondences on our end have been done via email by my realtor and or my attorney. I can take the time and get copies of those email chains if necessary.
Consumer complaint received 2018-08-22
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: CAPITAL ONE FINANCIAL CORPORATION (OH)

I have written dispute letters to XXXX, XXXX and XXXX and the creditor in regards to derogatory and negative closed accounts that are on my credit report. All letters were notarized and sent via certified mail starting in XX/XX/2018 and 30 days after each letter was received by the credit reporting companies in XX/XX/2018 and XX/XX/2018 and to the creditor on XX/XX/2018. The credit reporting agencies are saying they have verified the items but are not able to provide me with original documentations ( consumer contract with my signature ) showing that these accounts were indeed open by me. Nor are they responding to my request to state who verified these items and the method used for verification as required under Section 611 ( a ) ( 7 ) FCRA states that credit reporting companies must have a copy of the original creditors documentation ( a consumer contract with my signature ) on file to verify that this information is mine and is correct as required by Section 611 ( 5 ) ( A ) of the FCRA.

All creditors have sent me letters they do not have any original documentation. But have not removed accounts from my credit reports
Consumer complaint received 2018-02-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (TX)

Scenario # 1 On XX/XX/XXXX 3 checks went into my account in this sequence 1st - {$450.00}, 2nd {$53.00}, 3rd {$25.00} which cause me 3 {$35.00} fees. According to Wells Fargo available balance & posting order from page 21, it says, " pay to checks and preauthorized automatic ach payments from lowest to highest dollar amount '' They have done this to me for months. sometimes they do it from lowest to highest and sometimes from highest to lowest. 

Scenario # 2 On Approximately XX/XX/XXXX, I called to replace my account do to a lost check book with unknown number sequence. They mentioned to me that they couldn't replace my account at that time until a new acct representative calls me back. Customer service asked if I wanted to block all transactions or checks only, I requested ALL transactions to be blocked since I couldn't deposit into the account with high risk. Transactions still came in and was charge 4 fees. They  never put an all block hold and they said they couldn't do anything about the fees.
Consumer complaint received 2018-07-18
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CT XXXX ph : XXXX XXXX XXXX my loan no. XXXX loan was transfered to this co ON XX/XX/2018 and modified, i started making payments on time from XXXX onwards but this co has put late 180 days on my all 3 credit bureaus while i never paid them late since, now after multiple reminders and they did agree to their mistake and are still not willing to remove the late that was caused due to their incompetence. 
i want the negative late of XX/XX/2018 to be removed completely. 

XXXX XXXX XXXX XXXX XXXX XXXX, nj XXXX
Consumer complaint received 2018-08-21
Product: Checking or savings account — 
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

When trying to get prequalified for a loan, the mortgage person I was working with told me that there was a charged off loan on my report. I was quire surprised since I pride myself on paying all my debts and having good credit. 

After numerous calls to various representatives at Bank of America, with whom I keep a high outstanding balance in my credit account I was given a statement which showed that I took an ODP advance in XX/XX/XXXX of {$100.00} that was paid off in XX/XX/XXXX. Subsequently there was an ODP advance in XX/XX/XXXX of {$100.00} and another one for {$200.00} on XX/XX/XXXX ; The statement shows a regular payment on XX/XX/XXXX of {$75.00} and then the balance was charge off in XX/XX/XXXX for {$230.00}. 

Since I did not remember taking out the ODP loan or the overdrafts, I asked for the legal obligation which showed that I took out the loan. After five or six transfers, the representative said that I should file a credit dispute. Since it has been at least 45 days since this request was made, I am forwarding this complaint to you for your assistance. During my most recent call Bank America gave me a reference number of XXXX
Consumer complaint received 2018-08-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: LDF Holdings, LLC (NH)

Tuesday XX/XX/XXXX- I applied for a short term installment loan, approved for {$1000.00} but received the terms under which they would loan and they stated an interest rate of over 400 %!! Obviously, I did not go for the loan and they have called me no less than 5 timed since then despite my repeatedly stating that I did not want the loan and replying stop to their texts. 

I am concerned that these people are taking advantage of people who may be less equipped to understand the terms at play. 

Thank you
Consumer complaint received 2018-08-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

A COMPLAINT TO THEM AND TO THE XXXX AND TO CFPB AND THEY SAID THEY WOULD CORRECT THE PROBLEM AND DELETE ALL THE INQUIRYS. IT HAS NOT BEEN DONE TILL THIS DAY. TRANSUNION ALSO SENT A LETTER WITH THE WRONG NAME ON IT. 
I WOULD LIKE ALL THESE FALSE INQUIRYS DELETED INQUIRYS FROM THESE COMPANYS DO NOT BELONG TO ME. I HAVE CALLED AND I HAVE SENT CERTIFIED LETTER AND STILL NOTHING HAS CHANGED. 
XXXX Inquiry from XX/XX/XXXX Utilities & Fuel XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XXXX XXXX, XXXX Credit Union XXXX XXXX Inquiry from XXXX XXXX, XXXX Credit Union XXXX/XXXX Inquiry from XX/XX/XXXX Bank XXXX/XXXX Inquiry from XX/XX/XXXX Bank XXXX/XXXX   Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX/XXXX Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX Bank XXXX   Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX  XXXX Inquiry from XX/XX/XXXX Bank
Consumer complaint received 2018-02-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (FL)

On XX/XX/ I initiated a transfer from my Coinbase vault to my Coinbase wallet. The transfer is still pending I didn't worry too much about it.I had money to spend in my wallet and I have generally been very happy with the services they provide. On XX/XX/XXXX I called their customer service number. The person who answered only took information and was unable to assist me herself. She documented my problem and assured me an 'expert ' would e-mail me back. It has been over two weeks and I not received any response. The amount was XXXX which is probably about {$6000.00} today. 
I'm not real happy. I have since seen a video of someone who had this problem and it was because he didn't confirm the transfer in both emails. 
I only have one e-mail to confirm in my inbox. It is possible that if they sent me two back to back with the same title, that I deleted what I thought was a redundant copy. In either case My money doesn't show in either location. It is in limbo and I feel held hostage as I am getting no assistance in resolving this issue. Thank you for your help.