davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect (WI)

I wrote a letter to Americollect on XX/XX/2018 because they have reported incorrect information into my credit bureas ( XXXX, XXXX  & XXXX ). I sent a certified letter to them to send me a validation letter so I can verify this account. The amount collecting is {$170.00}. Based on the ( FDCPA ) Fair Debt Collection Practices Act, 15 USC 1692g Sect. 809 ( 8 ) a validation is requested. Americollect have ignored the validation request and they continue to report this information illegally to the credit bureaus.
Consumer complaint received 2020-06-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (IA)

This XXXX account is NOT my account. I dont understand what you dont understand about that. I have never been approved for a XXXX account due to my low credit score obviously. How is anyone supposed to get ahead in life with this kind of dumb situations keep happening. Someone mustve used my infortmatiom because it is NOT my debt. XXXX is a known for doing this type of thing and I am so tired of it!!
Consumer complaint received 2018-01-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC (MO)

First of all, they have refused to validate the debts they claim I owe their company Per the FDCPA. Well I dont owe their company ANYTHING and thats why they cant validate these debts. 

Secondly, even after debt validation had been requested from them, they deliberately continued collection activity and have electronically verified this debt to the Credit Reporting Agencies, without having validated the dispute with me first, and have since continued to report these accounts to the bureaus. This is a direct violation of the FDCPA and is 100 % unacceptable. 

Furthermore, Im aware of the many other complaints against this company for their illegal and unethical collection activity. So this really must be addressed and resolved. My next step is to bring media attention to this issue and also to take this matter to court if I have to.
Consumer complaint received 2024-10-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CITIZENS FINANCIAL GROUP, INC. (FL)

With XXXXXXXX XXXX FEMA zone change, my property was placed into the flood zone. We then spent a lot of money and effort to have it removed by FEMA ( received LOMA ). It was sent to citizens via email, site, fax, mail on XX/XX/year>. Countless calls were made and reps assured that I should not worry about force placed and that removal action is coming. Today, XXXX, I was forced insured in flood coverage by citizens. I believe that this action is both unlawful and unacceptable. Agents keep providing future copletion date that differ from call to call. In the meantime, I am being charged over {$2000.00} when agents kept saying " do not worry and do not buy flood '' I demand immediate action. Loan # XXXX. LOMA Attached
Consumer complaint received 2019-03-27
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. (LA)

Equifax and XXXX are reporting incorrectly that I am 120 days past due on the XXXX partial account number XXXX. ( Please see page 9 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2018-01-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (CO)

On XX/XX/XXXX I submitted a case to Coinbase.com. The case ID is XXXX. 

My issue is I previously had an account with Coinbase shortly after they started doing business over 4 years ago. I have since lost access to the phone and email attached to my old account. This is not a new issue for Coinbase, as they have steps to restore access to your previous account on their website. 

I followed the help article for restoring access step by step. I created a new account, uploaded identity verification documents, and submitted a case for resolution. Since XX/XX/XXXX I have received one correspondence from Coinbase, which was a support rep giving me the link to the help article I already followed. That was on XX/XX/XXXX. I have updated information on the case multiple times since then in an attempt to gain their attention but they still have not restored access to my previous account nor merged the two. 

I understand with an influx of new users there may be a delay in handling support tickets, but two months is excessive and shows they have no sense of urgency.
Consumer complaint received 2018-01-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GLA Collection Company, Inc. (UT)

FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. GLA has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.
Consumer complaint received 2024-09-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC. (NC)

My Account Number is XXXX. 
My debit card was cancelled in error by Ally and marked as fraud. I am stationed in XXXX XXXX XXXX XXXX I called and spoke with a supervisor on XX/XX/XXXX letting them know that my card should be working. I had a XXXX XXXX due to my card being cancelled without warning. I was told a new card would ship the next day. Over the next week I was calling as I was told I would get a tracking number. I never got one. I was told the new card was ending in XXXX. I kept checking and calling, always getting different information. I was then told the card was ordered but did not ship until XX/XX/XXXX. I have been waiting an calling to check. I was told yesterday ( XX/XX/XXXX ) to wait a few more days as the card was shipped on XX/XX/XXXX and it could still arrive. 
On my Ally app today I was my card showing last 4 digits XXXX. I called again today, having a XXXX XXXXXXXX XXXX as I have been waiting over 3 weeks to receive my card. I was forced to speak to 4 different people and told my card ending in XXXX was cancelled ( without my authorization or any warning ) and a new card was shipped this morning, while it has already been over 3 weeks since my card was disabled. I am suffering XXXX XXXX XXXX XXXX XXXX due to this situation.
Consumer complaint received 2024-10-01
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: SYNCHRONY FINANCIAL (TN)

I have a hard credit inquiry from SYNCB/LOWES dated XX/XX/year> on my credit report. I've called Synchrony repeatedly only for them to tell me that they have no record of a credit card application on file for my name or SSN. They did, however, reveal that they can not lookup business card application by SSN so there is no way for them to locate the application in question. Per XXXX XXXX, I need a letter from Synchrony Bank stating that this application was fraudulent in order to get the hard inquiry removed from my credit report but Synchrony will not provide this as they have no record of the application to begin with.
Consumer complaint received 2018-01-30
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: Allied Collection Services, Inc. (Nevada) (NY)

There are three adverse reports on my credit report. They are from collection agencies with who I never entered into agreements. The collection agencies purchased debt that was written off by hospitals which provided me treatment. Having written off the debt my obligation to pay the hospitals ended.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

Dear Sir/Madam, I am writing to dispute inaccurate and damaging information that has been reported on my credit report by XXXX XXXX XXXX According to my records, a late payment was reported for my account number XXXX in XX/XX/year>. This information is incorrect and negatively affects my credit score. I have attempted to resolve this matter with both your department and the credit bureaus without success. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c, you are required to provide accurate and verified information on my credit report. To date, I have not received an adequate response or verification of this information. 

Therefore, I request that you immediately remove the reference to the XX/XX/year> late payment from my credit report. I further request that you notify the credit bureaus ( XXXX and TransUnion ) of the removal of this incorrect information. 

Please confirm in writing the removal of this information from my file within 30 days of receipt of this letter, otherwise I will be forced to consider legal action to protect my rights under the FCRA. 

I appreciate your prompt attention to this matter. 

Sincerely,
Consumer complaint received 2024-09-24
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION (KS)

I applied for a Capital One venture XXXX XXXX  days ago. I have excellent credit, which is higher than my husband 's. I am a XXXX XXXX. We share all finances. I do the booking for travel, so it made sense for me to apply for the card. They asked for XXXX consecutive bank statements for my proof of income, as well as our trust agreement that went with that account. I provided both. After waiting several weeks, I called. They informed me that was insufficient proof of income. I submitted my husband 's XXXX most recent pay stubs, which are deposited in that account which I proved I had complete joint access to. Still insufficient. Now they are saying I need a certified letter from my husband that he pays me. He was not comfortable doing that. It is not accurate. All money that come into our household is both of ours. My husband decided to apply for the same card with the exact same details. He was immediately approved. It was my understanding that regulation z was to make this illegal? 

I no longer need this credit card. I will be added to my husband 's account. Capital One strung us along for so long though, the {$250.00} advertised sign up bonus was no longer offered for my husband 's account. So, not only did they discriminate against me because I am a XXXX XXXX, but also cost us {$250.00}. 

While looking for advice on this topic, I came across several online forums on the same subject. It appears there are many XXXX XXXX XXXX XXXX that have had the exact same experience.
Consumer complaint received 2019-03-27
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. (CA)

Based on my attorney advice, I request Equifax to take my complaint serious and answer to my attached letter ( also mailed to Equifax address ) clearly. Unless Equifax removes the account ( XXXX ) from my account, by the California law I request a full description of the procedure used to determine the accuracy and completeness of the information including the business name and address of the furnisher of information contacted. 
-- -- - Based on my investigation, the collector ( XXXX XXXX XXXX or XXXX ) has improperly aged the real date of first delinquency ( which is on XX/XX/2018 ) to the service date ( on XX/XX/2018 ), and then reported to Equifax without any notice to me. My insurance claim shows that the medical center ( the creditor ) submitted the claim very late on XX/XX/2018 ( more than 3 month after the service date ), and then the creditor billed me on XX/XX/2018. 

If an account is established under what is called open-type credit ( not to be confused with an open account ), then the full amount is due when BILLED. By the law, the consumer has 180-DAYS from the day of first delinquency ( DOFD ) to pay the medical bill before the agency is allowed to report it to the credit bureaus, but XXXX reported it on XX/XX/2018. ( 1 ) XXXX did not send any collection notice to me before reporting. ( 2 ) XXXX altered the date of first delinquency. ( 3 ) XXXX reported the account before 180-days period, and Equifax did it!
Consumer complaint received 2019-03-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (NV)

When I am 15 days late on a payment I am charged a late fee. When I log into my account and pay the late fee I thought it was being paid. The late fee payment that I made was not credited to the late payment, this happened numerous times. I only find out when Ally sent a letter in the mail that the fee wasn't applied and was still being reported late, over 30 days. I have to physically call Ally and complain numerous times. When I call they tell me they will fix it so I thought that they did. Now I am being told by a mortgage company that it is still showing over 30 days late numerous times. Please see the attached file.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (FL)

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 




Affiant Facts : Affiant is aware and has proof in the attachment labeled as Exhibit B XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, WFBNA CARD ACCOUN # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681 ( d ) ( 1 ) The inaccurate reporting of both my account status and payment status by XXXX XXXX XXXX XXXX, XXXXXXXX XXXX ACCOUNT # XXXX, WFBNA CARD ACCOUN # XXXX is causing harm to my credit reputation and financial standing. 

All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Consumer complaint received 2019-03-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (PA)

In XX/XX/XXXX, I was laid off from my job and called Ditech and told them I was struggling to make my payments because I was unemployed. I talked to quite a few people and no one offered any help at that time. 

In early XX/XX/XXXX I applied for a modification now that I am back on my feet and Ditech denied me saying I was not eligible because I can not be more than 6 months behind ( If they offered help in XX/XX/XXXX I may not be ) and because the amount after modification would be to much. All they offered me is a short sale and I want to stay in my house, I don't want to have to move my young kids. 

I want Ditech to help me
Consumer complaint received 2018-01-30
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (CA)

My credit rating has been damaged by perjurious allegations made by Wells Fargo, a company that gave me negative marks for not paying the monthly service charges on an unauthorized and empty checking account. Said checking account used to be authorized, but Wells Fargo refused to shut it down when I no longer needed it or wanted it. Wells Fargo has a well-documented history of trafficking in unauthorized bank accounts.
Consumer complaint received 2024-09-21
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I did not take a cash advance. A merchant coded a regular transaction incorrectly as a cash advance. I am disputing the nature of the charge. I understand Capitalone will process based on the merchant. Merchant made an error. I asked capital one to reverse the fees and interest as they do have control over their own fees. They are unwilling to reverse these fees even though it is their own fee and I did not authorize this transaction.
Consumer complaint received 2024-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (MN)

I just logged into myequifax.com and found that it does not require XXXX. Further I understand that if someone was to have my user name, phone number and SSN that they could have the password reset sent to ANY email address. 
This site should have XXXX since they hold so much of my personal information. THe other 2 credit bureaus do require XXXX. I'm concerned about an account takeover which I'm hearing is happening to others.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc. (CA)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : Collection/Charge Off ID FOR COMPLAINT SENT TO XXXX XXXX ID FOR COMPLAINT SENT TO XXXX XXXX ID FOR XXXX SENT TO XXXX XXXX Inquiries : ID FOR XXXX SENT TO XXXX XXXX ID FOR COMPLAINT SENT TO XXXX XXXX ID FOR COMPLAINT SENT TO XXXX XXXX XXXX XXXX The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX XXXX. XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Collection XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX XXXX : XXXX. XXXX XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 


Late Payment : XXXX. XXXX XXXX XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. 



I urge you to treat this matter with the utmost urgency.
Consumer complaint received 2018-01-30
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc. (TX)

The company name is XXXX XXXX. They sent me a letter about an alleged debt. I wrote them a letter back and sent it certified mail asking them to validate the debt and mail that to me. As of XX/XX/2018, they have called my phone number 3 times ( I will not answer them, I have told them previously not to call me ). They have called both of my daughters, my husband, and my sister. Each time they are looking for me and they get upset when they tell them that the number they called is not for me. I am waiting for them to validate this alleged debt and then plan my next course of action but I will not speak to them and for them to call everyone in my family multiple times a day looking for me does not sit well with me. To me that is harrassment since they were told previous to the letter they sent me to not contact me.
Consumer complaint received 2019-02-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF THE WEST (CA)

Account shut down due to " XXXX '' the CSR 's could not elaborate. I'm looking for answers. Where's my XXXX dollar account opening bonus, what was the XXXX reasoning ( too many new accounts, negative comment ) and lastly what will you be placing on my XXXX XXXX for closing reason. I am following up with the CFPB. The manager XXXX in the XXXX branch was the one that terminated my account, but she couldn't elaborate. She gave me the runaround and told me to contact the XXXX number in which they told me to contact the branch manager ( XXXX ). My account had been open for 4 months and I completed the bonus requirements before the date of XX/XX/XXXX when they needed to be completed by. Was locked out of my account last week, and have a letter saying it'll be " fully shutdown '' buy theXX/XX/XXXX. 

I called in today the XX/XX/XXXX This can be linked to the other CFPB dispute I sent the other day. I received new information ( letter and correspondence with a manager )