davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Upstart Holdings, Inc. (NY)

This is not a duplicate complaint. This is a new issue. I thought I was on the way to resolving this and I found out it is still not resolved. 
I finally had to give in and was forced to complete a hardship application which they should have informed me had to be done over two months ago when they sent me an unclear email telling me I was approved for a forbearance. I was expecting a forbearance for the months of XXXX and XXXX when I was struggling after having my salary reduced by 10 % due to the Pandemic. This was promptly reported to them by email. i have proof of it. They told me it was approved so I did not pay for two months. Then I received an email stating that I was in danger of being reported to credit bureaus for not making my payments! I was shocked. I tried to deal with them and reason with them to no avail. In spite of making two payment which should have counted for XXXX and XXXX they are still informing me that I owe {$200.00}. I should owe nothing. Not even late fees if this had been processed correctly. I should owe nothing until XXXX. Where do they get {$200.00}? It doesn't even make sense. I am paying less than {$55.00} per month for a monthly payment. I asked to skip XXXX and XXXX. Period. That is all and i just paid XXXX and XXXX. I am not dropping this. I am not paying off this loan and I warned them that if I find anything negative on my credit report I will stop paying the loan and file for long term hardship.
Consumer complaint received 2020-09-20
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capital Accounts, LLC (NY)

The collection Agency has failed multiple times to send me the requested documentation to verify the debt according to USC Section 809 of the FDCPA, USC Section 623 of the FCRA, and the Code of Federal Regulations 16 CFR Part 660. I  have requested documentation to verify the debt in XXXX of 2020  and of XX/XX/2020 in which this company is now in violation. I did a final request in this month of XXXX 2020 requesting the items below : 1. Who was the original creditor on this account, and what was the account number? 
2. What was the original amount owed? Please provide complete payment history, starting with the late charges, interest, date of payments received, date of payments posted, charges made and date of charges posted. Copies of all documents and financial instruments used to pay on this debt.

3. Please provide me documentation that indicates that I agreed to pay someone this sum of money.

4. What was the original date of delinquency for this account?

5. Agreement that grants you the authority in your local State and the State of North Carolina to collect on this alleged debt, and proof of acquisition by assignment or purchase.

6. If this debt was purchased a copy of the purchase contract from the original creditor.

7. What did you pay for this account, and how did you calculate the current amount owed?

8. Finally, please provide a detailed list of services performed that represent your alleged balance of {$300.00}.

Therefore, due to their lack of compliance of beyond 90-days without forwarding the properly requested information I'm requesting to have the item removed from my credit report or I will obtain an Attorney for legal action.
Consumer complaint received 2024-11-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (FL)

I received a check from CFPB for {$980.00}. Case number XXXX. I deposited the check in my checking account, then they closed the account because the check. I called them and they ask me for this check directly and they said thta the reason because they closed the account.
Consumer complaint received 2024-11-09
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (AZ)

I've had two credit cards with Citibank for several years. One with a XXXX limit and one that was XXXX. I was using the cards and paying them off, or making large payments during that time. I started using them more often because they both had a type of cash-back feature, so they became my primary cards. My credit score was in the low to mid XXXX 's depending on my revolving balances on these and other cards. I have an absolutely perfect payment history. 

In XXXX, I had a XXXX limit, a XXXX balance, and my payment due was XXXX. 
In XXXX, Citibank decided, with XXXX notice, to cut my limit to XXXX and double my payment to XXXX. I had just used the card for a XXXX cash advance for the very first time, so my new balance left me with a XXXX availability. They then reported to the credit bureau that I was maxed out on that card, which negatively affected my credit score. 

Meanwhile, the following month on my other Citi account, I had a XXXX limit that they dropped to XXXX, just barely above my balance because I'd paid for a vacation deposit with that card, and reported that card as maxed out. 

As soon as these balances showed maxed, XXXX XXXX jumped on the bandwagon and slashed my credit limits on four accounts, that were at a XXXX balance, in response to what Citi did. Now with my revolve balance to available credit ratio completely destroyed, my credit bureau rating has dropped by almost XXXX points. 

None of this was necessary. I have XXXX problem making my payments, I have never missed a payment, but Citi went out of their way to negatively impact my credit.
Consumer complaint received 2024-11-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Monterey Financial Services LLC (TX)

I have an account on my credit file listed as XXXX XXXX XXXX or world XXXX XXXXXXXX XXXX that I do not recognize. I have recently filed a report with the FTC for identity theft and I believe this account is related to that as I do not have any knowledge of it. Previous attempts to validate this debit from my credit profile were not successful and the debt remains reflected as a collection account through the credit bureaus.
Consumer complaint received 2024-11-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp. (TX)

An entity known as " XXXX '' says that I owe them {$780.00}. I had never heard of " XXXX '' before the threatening emails trying to collect money from me. I do not have an account with XXXX. I have never applied for an account with XXXX. I have no idea as to who XXXX may be. They are ruining my otherwise stellar credit rating over a debt that I do not owe. After receiving several absurd emails saying that I owe them a debt, I called them. Two different times ( XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> ). I called XXXX and they demanded my personal information. I refused to give my personal information to such people. They were completely uncooperative. 

This is starting to look a lot like extortion. Ruin someone's credit rating if they refuse to pay an amount they do not owe. I plan to file a complaint with any governmental authorities needed.
Consumer complaint received 2024-11-09
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (MA)

Citibank Master Card offered a promotion of XXXX XXXX XXXX XXXX if certain spending occured in a certain periosd of time. This was achieved. When I did not recieve the miles for the promotion, they are now saying that I dont qualify due to having the card in the previous 48 mos. At that point, asked them to refund my annual fee ( {$590.00} ) and they are refusing. They are telling me I should have read the fine print on the offer, however this was nnever explained to me and I have no value from this card now, however they have my annual fee payment and refuse to reimburse me.This money is a lot to lose for my family and I Also, this is deceptive and I would like to recieve immediate assistance. 

Thank you, XXXX
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FC HoldCo LLC (VA)

am disputing XXXX hard credit marks on my credit report. I did not remember me giving any permission to any agencies to perform a hard credit on my report. 
XXXX XXXX flagship XXXX XXXX XXXX XXXXXXXX am asking that these information be remove from my report. 
thanks, XXXX XXXX
Consumer complaint received 2024-11-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PENTAGON FEDERAL CREDIT UNION (CA)

Im a victim of identity theft. I filed for a POLICE REPORT, FTC report and complained to the better business bureau as well as CFPB. I sent my documents to XXXX XXXX XXXX and they have not responded. 

I will be taking legal action
Consumer complaint received 2024-11-12
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION (MD)

From XXXX I have been charged for overdraft fees after Navy Federal Credit Union ( NFCU ) has waited to post all of my pending transactions all at once, days after the purchase had been made, causing my account to overdraft. This incurs a fee that I would not have to pay if NFCU posted my transactions sooner or actually showed what is in my bank account for me to use. My account rarely accurately reflects what I am able to use.
Consumer complaint received 2024-11-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates (FL)

I am writing in regard to the alleged debt you are attempting to collect. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g Sec. 809 ( 8 ), I dispute the validity of this debt in its entirety and request that you provide me with full validation of the same.

Please provide the following information : **Proof that I am responsible for the debt** : Documents demonstrating that I owe this debt.

**Details of the debt** : A detailed explanation of the amount owed, including a breakdown of all charges and payments applied.

**Name and address of the original creditor** : If this debt has been sold or transferred, I need to know the name and address of the original creditor.

**Proof of your authority to collect this debt** : Documents showing that your agency has the legal authority to collect this debt on behalf of the original creditor.
Consumer complaint received 2024-11-07
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: LCS FINANCIAL SERVICES CORPORATION (VA)

VALIDATION AND CEASE AND DESIST Collection agency name : Address : Account number : Your NAME : Your address : Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this Please supply me with a copy of any contract or agreement signed with your company or the original creditor In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, pleas inform them of my dispute regarding the validity of this debi Thank you for your prompt attention to this matter.
Consumer complaint received 2024-11-07
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TrueAccord Corp. (VA)

VALIDATION AND CEASE AND DESIST Collection agency name : Address : Account number : Your NAME : Your address : Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this Please supply me with a copy of any contract or agreement signed with your company or the original creditor In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, pleas inform them of my dispute regarding the validity of this XXXX Thank you for your prompt attention to this matter. 
assets.XXXXwith.me
Consumer complaint received 2016-03-25
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Financial Credit Service, Inc. (MI)

Received this letter XXXX/XXXX/XXXX, ARA Inc. XXXX XXXX XXXX XXXX, XXXX XXXX.Oringinal Creditor : XXXX XXXX XXXX Bank Account # XXXX XXXX Current Balance : {$24000.00} This letter is to inform you that ARA Inc. has recently obtained and now is the legal owner of your XXXX XXXX XXXX XXXX Account . All obligations regarding this debt and any applicable interest and or fees have been fully transferred to this office. As of today, you owe {$24000.00}, which is now due in full. Please remit a check for the amount of {$24000.00} payable to ARA Inc.along with the the payment slip above in the self addressed envelope provided. Within 30 days of full payment, you will receive a paid in full letter for your permanent records. If you are unable to pay the entire balance in full, please call XXXX XXXX at ext # XXXX XXXX XXXX -XXXX central to discuss acceptable payment arrangements and answer any questions you may have. Please retain the balance of this letter for you records. Sincerely, XXXX XXXX XXXX XXXX XXXX so I am his XXXX, XXXX XXXX, and I called to find out what this was about. We have n't seen this on his credit record or anything and was shocked. I talked to a lady and she gave me some info and then I called back after letting XXXX know what she said. I called back and talked to a XXXX XXXX ext. XXXX and told her XXXX XXXX ca n't talk on the phone. She said this was from a visa credit card that was open in XXXX and had payments paid on it till XXXX. Balance then was {$7900.00} and now with interest and fees {$24000.00}, She asked if he could pay it in full and I said we only have XXXX and live month to month with nothing extra. She said she had to do her due dillengence and wanted to know if she could set up a payment of {$50.00}. I said no and she said how about {$2500.00}. I told her we did n't have anything extra and she said if I did n't set up a payment then they would take it to court and put a lien on his bank account. I said all we get is XXXX and she said they do n't care where the money came from they would just take the money in the account. I asked her where the card was used and she said she do n't have that info but she gave a couple address 's and XXXX was a XXXX XXXX XXXX knew and XXXX address was XXXX XXXX, XXXX , FL . We looked up that address and it was a trailer that XXXX never remembered. She gave the last XXXX digits of his S.S, # and said he was a police XXXX. I told her XXXX said he never had a credit card from XXXX XXXX and she said someone made payments on it for 9 years so it was his debt. I told her I would pass this info onto XXXX.
Consumer complaint received 2024-11-06
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: LAKEVIEW LOAN SERVICING, LLC (IL)

I was offered a loan modification that I signed and sent back promptly upon receiving in the first and second weeks of XXXX. After the first set of docs were sent, they said they did not receive all the documents. They sent another set, which again I signed and sent back. They said this set also failed and put me into active foreclosure, serving myself and all my family members. This is the EXACT same thing that happened when I was in forbearance and it took over a YEAR of back and forth documents being sent and the state of Illinois ended up paying the missed payments. This company is INCAPABLE of processing a simple loan modification agreement, and now I am in active foreclosure and at risk of losing my home because of their incompetence. I am filing a lawsuit.
Consumer complaint received 2024-11-06
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CREDIT ACCEPTANCE CORPORATION (NC)

I got a loan thru credit Credit acceptance to get a vehicle but it turned out the the location ( car lot ) was doing fraudulent activities and was just trying to get someone in a vehicle. I find it strange that I have to pay for a car that was returned and it did not run for no longer than 1 week and stayed in the shop for almost 4 months with no progression. I honestly feel like that debt should be off my credit or figure out a lower balance I can pay
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (PA)

I received a notice from experian that a hard inquiry was submitted by XXXXCBNA in South Dakota on XX/XX/XXXX. I did not request or authorize this..
Consumer complaint received 2024-11-06
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: Radius Global Solutions LLC (TN)

I have been trying to get the collection off of my credit report for months. I have sent in disputes and nothing has changed. I have sent in proof that i myself am the one submitting the request to have this removed. I have filled for a full file disclosure and never received it.
Consumer complaint received 2024-11-09
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (WA)

I applied and was approved in the morning of XX/XX/XXXX for the Citi XXXX XXXX card. I chose this because I have a trip coming up for medical purposes. They locked the credit card on the XXXX before I even received the physical card in the mail or did anything aside from log in to my own account. After they locked my account before I even received the credit card, without reason and without my permission, they refuse to use the phone number or email on the application ( which they approved ) to " verify '' my identity. They claim government ID is also not verification and me receiving the physical credit card on XX/XX/XXXX is also not verification, but a worthless piece of paper in the mail to waste weeks of my time is. They lied to my by sending me an email after I had the credit card in hand and verified it on XX/XX/XXXX. They insist there was fraud when there were ZERO purchase attempts and my credit card had not even arrived yet. 
I called the Citi XXXX XXXX unit but they claim they can take weeks to do anything. The damage is in the time I have lost, they are burning weeks of time for me to earn the bonus points through spending ( which is the reason I chose this credit card ) and could jeopardize my medical travel. 

This is beyond disgusting and illegal. Refusing my phone number, email, government ID after putting an inquire on my credit record AND having the physical credit card in hand is fraud. This is being done out of spite and is completely open to fraud and damage to an individual, not against it.
Consumer complaint received 2024-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: SYNCHRONY FINANCIAL (MO)

To Whom it may Concern, Hello I am XXXX XXXX XXXX, for the last almost XXXX years i have dealt and continue to deal with identity problems. Being denied any and every access to certain help, assistance, and funds. In XXXX i was at XXXX based XXXX for recovery or in my own words a reformation camp, ( XXXX XXXXXXXX XXXX XXXX  Since then, medical records have been accessed, never received information on any of the funds or money " invested, '' and also denied certain accessibility to funds/assistance. I am one of many that did not conform to their ways, politics, and quite frankly their religion. I was told that i had XXXX tendencies and was placed in different sitting at church and also not allowed a roommate. My mother who is now deceased was not allowed to come to the door because she was not a full believer of their faith. This is just one of many associated things I have gone through. I am now receiving letters for the XXXX year of medical records being accessed. Also most recently received a letter from XXXXXXXX XXXX that they can not verify my Identity.
Consumer complaint received 2024-11-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (AZ)

The mortgage company, Newrez, claims that it has paid my property taxes with my escrow payments but my taxes were not paid by the company as claimed hence I am seeking a refund for my escrow payments totaling XXXX XXXX dollars.