davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (CA)

I had a Citibank account and back in XXXX. I received a check for my business, XXXX XXXX XXXX and deposited it into my Citibank account., however, because the check was written into my business, it raise a flag with Citi who froze my account to investigate the check upon investigating the check. They agree that the check was valid and the fines were there however, they were not able to cash the check and that they would be closing my account not just one but both of my accounts there.!! which I thought was really weird they couldve just told me that that wasnt allowed I had no idea! I accepted it as a loss and I had to wait for them to verify the check before they would close my account. They informed me that they had in fact verify the check, and that it would be mailed back to me. but upon going to the branch and asking for the rest of my funds I was only given {$77.00} and told that the check for {$6300.00} was already mailed to me. I have never received this check, and now the branch has no recollection or knowledge of its location
Consumer complaint received 2024-03-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (VA)

Coinbase does not provide transaction/tax information for closed accounts. As such, I am not able to obtain information needed to file my XXXX  taxes. I have tried to contact them via various media ( their website, phone, email, social media ), to no avail. Their automatic responses lead to calling a phone number, which is effectively out of service, as XXXX receives a message akin to 'all lines are busy please call back another day '. I believe they may be throttling non-premium accounts so as to make it impossible to communicate, without paying.
Consumer complaint received 2023-11-20
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: NEW YORK COMMUNITY BANCORP INC (WA)

I only have 7 days each month to make a principal only payment on my HELOC loan. Flagstar Loans takes my autopayment on the XXXX of the month and then they process my monthly bill on the XXXX They only allow principal only payments between the XXXX XXXX XXXX so I'm unable to pay towards my principal between the XXXX through the XXXX every month. They, however, charge daily interest on my principal balance while not allowing me to pay it down with extra payments during the month.
Consumer complaint received 2024-02-29
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I am disputing owning any and all debts. Collection agency ( Portfolio Recovery Associates ) has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) buy yet has placed a collection AND charge off on my consumer report.

I have not been given a chance to dispute this account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ).

They are violating my consumer rights by using false misleading, misrepresentation and deceptive means.

They have no authority to furnish my account to a consumer reporting agency without providing any and all disclosures required by law and are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ).

I have contacted several times to no avail. 
I am requesting that XXXX XXXX  charge off and collection be removed from my consumer report. 
I am also requesting certified mail proof of service regarding this collection account. 
Thank you.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NY)

I called equifax on XXXX to remove my dispute comments for my mortgage loan. They told me it would take XXXX hours to remove. I received a confirmation code XXXX. 
I called back on XXXX to check on everything they filed another to get the comments removed, however that one is showing complete but nothing was removed. The confirmation code for that one is XXXX. 
When I spoke with them they said everything should be removed by end of business day on XXXX and I spoke with management. However nothing is removed and its making so I cant get my mortgage. XXXX and XXXX removed theirs the same day but equifax will not remove the dispute comments. Im no longer disputing them and I need them removed.
Consumer complaint received 2018-11-25
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: Westlake Services, LLC (NC)

I received info from XXXX stating that the information on my credit report is accurate from Westlake Financial services, however when I spoke to the person who collected my last payment he made it clear to me that it will be removed, now its showing as charged off / settled for {$290.00} which us another lie because I paid {$300.00} because of this back in forth I have no other option than to sue this company.
Consumer complaint received 2023-12-02
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (FL)

I have requested multiple times from midland credit collections company detailed itemized list of the charges they are saying I owe. I am in disagreement of the amount on both as I was working with a repayment company. They have not responded and it has impacted my credit score for years, I turn, I have had to pay higher interest rates because of their false unverified reporting. 

I want the collections removed from my credit profile asap.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

I've reached out to Equifax 7 times ( the first 3 times I can't remember as it's been such a daunting and long process ) but I mailed a letter that I have proof of on XX/XX/XXXXXXXX XXXX XXXX XXXX and most recently called twice and was told it was be updated but I received a letter in the mail dated XX/XX/XXXXXXXX  with the incorrect name on it but yet my correct personal information is found on the 14th page of the " Research Request Form ''. I have not been able to pass security verification questions for over a year due to not being able to verify my information regarding updating the personal information being reported on my credit report. The last name is incorrect and does not belong to me. I've provided proof from my driver 's license, bank statement, and social security card that proves the name is indeed not mine. Yet, evertime I reach out to Equifax they came they haven't received any of my CERTIFIED letters that prove they were delivered or have yet to provide proof of their validated credit disputed investigation even though, in accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I'm required to have this information when asked.
Consumer complaint received 2023-12-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: DISCOVER BANK (MA)

I tried to open a discover online checking account and was required to submit ID verification form on XX/XX/XXXX. 

For the first ID verification form, I was notarized by one of the bankers at XXXX XXXX and sent it to discover bank via their secure link on XX/XX/XXXX. Later I called to check in my application process and was told that discover wasn't able to verify my form because the banker was on vacation and wouldn't be back until XX/XX/XXXX. 

In lieu of this, I sent out another form to discover bank on XX/XX/XXXX and called on XX/XX/XXXX to request my form be sent to notary department. On the phone call, the agent told me that she would make sure to forward it to the notary department. 

On XX/XX/XXXX, I called again to check my application status and was told by the agent that the notary department wasn't able to verify the form yet because they couldn't get hold of the banker who notarized my form, and the phone call went directly into the general customer service line. 

On XX/XX/XXXX, as of today, I called again to check on my notary verification form and was told by the agent that the second form had not yet sent to the notary department. Astonishingly, she said there were no notes or communication records had been left on her end, except the XX/XX/XXXX call. 

I am more than appalled to learn that my XX/XX/XXXX call and XX/XX/XXXX call went to moot, and two agents, who specifically told me on the phone to forward my notary form to notary department, had just done nothing with my application. This kind of bureaucratic infuriates me more than ever. 

I attached some of the phone calls I made to discover bank, which amount to one hour, yet nothing was done.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

OFFICIAL CONSUMER COMPLAINT and FORMAL DEMAND a thorough CHECK of the required CERTIFIED COMPLAINT REPORTING OF PHYSICALLY VERIFIED valid, true, accurate, complete, and timely of the reported alleged claims. Furthermore, I challenge you to provide evidence supporting these claims. As a consumer, I have the right to contest the reportability of any information that is deficient in any way. I demand that you promptly and PERMANENTLY delete any alleged claims of inquiries, delinquencies, or derogatory remarks if you are unable, unwilling, or fail to demonstrate lawful evidence as requested throughout this notice. This removal must be carried out without exception or delay. 

To Whom It May Concern : My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. 

As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. 

Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer. If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action.
Consumer complaint received 2023-12-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Blitt and Gaines, P.C. (IN)

On XX/XX/XXXX, I received a Court Summons that XXXX was suing me over an account that they claim I OPENED in XXXX of XXXX, and charged nearly {$5500.00}!! THIS IS A LIE!! Since the LATE SUMMER of XXXX, I have been battling with IDENTITY THIEVES, and XXXX CLOSED my account AND WROTE IT OFF AND CHARGED IT OFF OVER A YEAR AGO!! So, this account that they claim I opened in XXXX of XXXX, is A FRAUD!! I WON'T PAY IT!!
Consumer complaint received 2024-01-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synerprise Consulting Services, Inc. (TX)

I've always had insurance and When I contacted this company they could not give me the information showing this account belongs to me. They are reporting inaccurate information to my credit report. 
I also sent a complaint with CFPB an on XX/XX/2023 the company responded stating Please be advised that XXXX XXXX XXXX XXXX XXXX has investigated this matter. We have been unable to locate any account in question for the above consumer that is currently reporting to any of the XXXX major credit bureaus. We are simply not seeing anything by name, phone number, address or social security number.

I have included a picture of the account that's on my credit
Consumer complaint received 2024-01-16
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: CrossCountry Mortgage LLC (NJ)

Subject : Urgent Request for Master Promissory Note - Dodd-Frank Mortgage XXXX XXXX/ Loan Number '' XXXX Dear CrossCountry mortgage, LLC, I trust this letter finds you well. My name is XXXX XXXX XXXX, and I am writing to bring to your attention a matter regarding the mortgage servicing protections outlined in the Dodd-Frank Wall Street Reform and Consumer Protection Act. 

I have made several requests for the master promissory note associated with my loan, identified by the loan number XXXX. Regrettably, CrossCountry Mortgage, LLC has yet to comply with these requests and has not provided the requested documentation. 

As you may be aware, the Dodd-Frank Act establishes crucial protections for consumers, including the right to access relevant loan documentation promptly. I am concerned about the lack of response from CrossCountry Mortgage , LLC and seek your assistance in resolving this matter promptly. 

I kindly request that you intervene and ensure that CrossCountry Mortgage, LLC complies with the Dodd-Frank Act by promptly providing me with the master promissory note associated with my loan. Your attention to this matter is greatly appreciated, and I look forward to a swift resolution. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting Act. The list of aacounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX  Account # XXXX, has violated my rights. 

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

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

15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records og convictions od crimes which antedates the report by more than seven years. 

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-20
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (CA)

I am getting UNSOLICITED MAIL and NON-STOP PHONE CALLS DAY AND NIGHT FROM= MIDLAND CREDIT MANAGEMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX PHONE : XXXX I want all UNSOLICITED CORRESPONDENCE with MIDLAND CREDIT MANAGEMENT , Written and Phone Calls, and any persons or entities affiliated with them to CEASE. 

I do not know who this company is, nor have I ever done business with them?
Consumer complaint received 2024-01-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc. (NV)

This is not a duplicate complaint. 
This is in response to complaint # XXXX Re : Account Number XXXX XXXX XXXX XXXX , I hope this complaint finds you well. My name is XXXX XXXX, a federally protected consumer, and I am making this SECOND complaint against Aargon Agency Inc. for their abusive, deceptive, and unfair collection practices in the collection of extensions of credit. As previously stated by Aargon Agency Inc., this account is NOT owned by them, however they are still reporting it to my consumer report. Reporting this false information is not okay, and is harming my rights to a fair credit profile. As stated in their response " We are a data furnisher and do not require permission from the consumer to report accurate information to the credit bureaus. '' That is entirely false per FCRA section 623, if said " Data Furnisher '' indeed has my permission, then by all means I demand a signed trilateral contract confirming myself, the alleged original creditor, and Aargon Agency Inc agreed upon alleged debt. I appreciate your time and I expect a timely and appropriate solution to this matter.
Consumer complaint received 2023-05-02
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)

. The following personal information is incorrectAccount Number : EMPLOYER : XXXX. The following personal information is incorrectAccount Number : EMPLOYER : XXXX. The following personal information is incorrectAccount Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. The following personal information is incorrectAccount Number : PREVIOUS ADDRESS : XXXX. The following personal information is incorrectAccount Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, CA XXXX. The following personal information is incorrectAccount Number : PREVIOUS ADDRESS : XXXX. The inquiry was not authorizedXXXX XXXX XXXX XXXXDate of inquiry : XXXX. The inquiry was not authorizedXXXX XXXX XXXXDate of inquiry : XXXX. The inquiry was not authorizedXXXX XXXXDate of inquiry : XXXX. The inquiry was not authorizedXXXX XXXX XXXX XXXXDate of inquiry : XXXX. The following account is not mineXXXX XXXX # XXXX
Consumer complaint received 2024-01-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WHEELS FINANCIAL GROUP, LLC. (CA)

Today, XX/XX/2024 as a federally protected consumer Im seeking proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Thus, absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. 

I am disputing the information directly with you, the furnisher of information, and I am requesting an investigation in the FCRA Section 623. The FCRA regulates how the credit bureaus handle your report under section 611 for accuracy { 15 U.S.C. section 1681-2. Any attempt to collect this debt without validation violates the FCDPA. ( FAIR Debt Collection Practices Act ).

806. Harassment or abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts * Please note that proper documentation is NOT a printout or bill from you but rather actual proof of the alleged debts existence ( original alleged contract bearing my signature ). Expeditious weekly updates are scheduled to be sent to the CRA electronically. Lastly, please provide evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.