davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC (NY)

My Account at Gemini has been frozen & Deactivated since XX/XX/XXXX. Ive sent their requested items a picture of a copy of my drivers license along with a hand written note with requested current date which was XX/XX/XXXX along with a requested XXXX underneath the date & a selfie photo of myself. I converted the file to Jpeg & sent it to them on the XX/XX/XXXX on their file upload & then respond to their email that I I've sent their requested information & asking them to please unblock my account. No one has since contacted me & my account is still locked out. I'm Unable to make any transactions.
Consumer complaint received 2021-12-19
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 — Was not notified of investigation status or results
Company: T.S. Holdings (GA)

On XX/XX/2021, I sent in a dispute to IQ Data International regarding a collection that was placed on my report. I asked for the original contract stating where I signed with my signature proving that they owe the debt they say I owe. Instead of sending me back what I asked for, they sent me a statement instead. I requested for validation not verification. Furthermore, when reading the letter- I came across multiple violations that this company has endured. 

1. They have listed the interest due and balance due. Under 15 USC 1692 F ( 1 ) states ( 1 ) it is a violation to collect any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.

2. Furthermore, under 15 USC 1692 F it states that it is a violation to state the consumer owes any such debt. In the letter that was sent, it reads, " this communication from a debt collector is an attempt to collect a debt, and any information obtained will be used for that purpose. '' 3. In addition to, they have also included a logo/letterhead which according to 15 USC 1692 B ( 5 ) is a violation as well. ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; This is more than one violation that has occurred. I am seeking litigation if this account is not removed. 

ACCOUNT NUMBER :
Consumer complaint received 2021-12-19
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Deutsche Bank (FL)

In response to complaint no. XXXX. The Consumer Financial Protection Bureau has communicated that Deutsche Bank has implied " the complaint does not belong to them ''. See attached XXXX XXXX naming Deutshe Bank, but most importantly see COMPLAINT naming Deutsche Bank. If you carefully review the complaint filed on XX/XX/XXXX, you'll find that the loan modification naming XXXX was unrecorded. See also recorded copy dated XX/XX/XXXX. If you can read XXXX than you know the complaint NAMES DEUTSCHE BANK AS THE MOVING PARTY IN THE FORECLOSURE ACTION. DID WE MISS ANYTHING HERE CONSUMER FINANCIAL PROTECTION? DID WE? Deutsche Bank now wants to minimize their involvement on this case because a complaint has been filed with the XXXX XXXX OF XXXX FLORIDA IN CONNECTION WITH PUBLIC CORRUPTION. DEUTSCHE BANK LEGAL COUNSEL ILLEGALLY RECORDED THE INSTRUMENT. BANKS LEGAL TEAM ENGAGED IN PUBLIC CORRUPTION WITH THE XXXX XXXX XXXX The bank has been evading the taxes due on Intangible instruments. See loan modification dated XX/XX/XXXX, the lender did not pay the imposed taxes by the state until XX/XX/XXXX. That's tax evasion. You paid the taxes on XX/XX/XXXX because our legal counsel made the court aware on XX/XX/XXXX, when we moved for summary judgment against you, otherwise it would have never been paid!!!! ( 9 years passed!!! ) Your legal counsel became disparate and illegal filed the instrument. XXXX XXXX XXXX office will not accept copies of mortgage but original and reflecting original notarization. The instrument was even notarized yet it was filed. Your legal counsel caused to pay someone at the XXXX recorders office to have recorded the instrument illegally. Please know that the matter is being investigated by the DOJ because the issue falls under public corruption. You and your fraudulent legal counsel should know that in the UNITED STATES OF AMERICA the only thing for sure " DEATH AND TAXES ''. No one in our Country can evade taxes & engaged in public corruption, then tell the court we have standing. You are full of XXXX Deutsche Bank and everyone in your organization. The treasury and multiple agencies are reviewing multiple complaints against you for public corruption.
Consumer complaint received 2021-12-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC (PA)

On XX/XX/2021 I became aware of Radius Global Solution reporting on an alleged debt. I never contracted with Radius Global Solution I am unaware of how Radius Global Solution obtained my personal information to report such alleged debt. This fraudulent reporting is defamation, identity theft, and unfair deceptive collection practices in the state of PA. Debt collection agencies and creditors may only get location information thru communication not to reveal a debt is owed. Unfair or deceptive collection methods. It is unlawful for a collector to collect any amount, including any interest, fee, charge or expense incidental to the principal obligation, unless such amount is expressly provided in the agreement creating the debt or is permitted by law. Communication. The conveying of information regarding a debt directly or indirectly to any person through any medium. Radius Global Solution is not authorized to communicate and i have not given any written consent to this account. Radius Global Solutions is in direct violation of the FCEUA, FDCPA, FCRA, and Aggravated Identity theft 18USC1028a.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2021-12-19
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

On XX/XX/2021, I sent in a dispute to XXXX XXXX XXXX regarding a collection that was placed on my report. I asked for the original contract stating where I signed with my signature proving that they owe the debt they say I owe. Instead of sending me back what I asked for, they sent me a statement instead. I requested for validation not verification. Furthermore, when reading the letter- I came across multiple violations that this company has endured. 

1. They have listed the interest due and balance due. Under 15 USC 1692 F ( 1 ) states ( 1 ) it is a violation to collect any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. 

2. Furthermore, under 15 USC 1692 F it states that it is a violation to state the consumer owes any such debt. In the letter that was sent, it reads, " this communication from a debt collector is an attempt to collect a debt, and any information obtained will be used for that purpose. '' 3. In addition to, they have also included a logo/letterhead which according to 15 USC 1692 B ( 5 ) is a violation as well. ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; This is more than one violation that has occurred. I am seeking litigation if this account is not removed. 

ACCOUNT NUMBER :
Consumer complaint received 2021-12-19
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: Experian Information Solutions Inc. (TX)

Experian keeps lowering my credit then increasing it and they lowering and they keep sending me credit card offers everyday I contact them and told them to stop emailing me about credit card offers and stop offering credit card offers on my credit report and they still refuse to do so. I over XXXX credit card offers from Experian. Whenever I dispute a debt collector to Experian they refuse to help me. Experian is the reason why my XXXX XXXX is awful. Experian needs to be investigated.
Consumer complaint received 2022-04-14
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CMRE Financial Services, Inc. (MS)

I contacted the hospital where I went to the ER and this is not the company I owe my debt to. They have repeatedly harassed me despite the fact I have made it clear that I know that I do not owe my debt to them and will not supply them with my personal info
Consumer complaint received 2019-11-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: M&T BANK CORPORATION (MD)

I have been a member of m and t bank for a while. I was recently charged several XXXX dollars in overdraft fees for purchases on this account. I understand that the funds were not available in my account for the transactions, but I don't think its fair or in the best interest of the consumer to have the fees far surpass the amounts of the purchases. for example I was charged a {$38.00} fee for XXXX, but the amount for the subscription was only {$12.00}. there was a {$38.00} fee for XXXX XXXX, but the purchase was only {$13.00}. I got gas at XXXX XXXX for {$10.00}, and {$5.00}, but was charged a {$38.00} for both of those transactions. when I called the bank to see if there could be any reversals they reversed three of the fees which at that time totaled approximately {$240.00}. She also recommended that I turn off the option to not have transactions post if the funds are not available. a day later I received more fees-although I had not used my card for transactions or made any purchases. I had automatic withdrawals set up that were debited from my account which caused four more overdraft fees in the amount of {$38.00}. I called the bank once again this morning to see what could be done since the fees totaled almost {$400.00}. they removed two more. I feel like this financial institution waits to post charges so that they can intentionally acquire overdraft fees.
Consumer complaint received 2021-12-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (NY)

XXXX XXXX XXXX XXXX XXXX Thank you Consumer Finance.gov for addressing my concerns with CITIBANK On XX/XX/XXXX I XXXX XXXX XXXX XXXX was informed by Citibank via an upload on consumer finance that : " On XX/XX/XXXX, we will debit your account for the {$89.00} provisional credit we issued while we investigated your dispute. For the next five business days, we will continue paying checks and pre-authorized debits on your account up to the amount of the provisional credit '' Please note that my Citibank Account ending in # XXXX was never credited the incidental amount from the XXXX. Thus, Citibank completed the investigation without issuing the reimbursement from the XXXX  incidental in the amount of {$89.00}. 
On the other hand, the issue with the scam or false impersonation of the XXXX XXXX and XXXX continues, these con-artists were reported to the Federal Bureau of Investigation in XXXX, when they hacked into XXXXXXXX XXXX. XXXX and XXXX XXXX claim to work for Citibank from XXXX, XXXX. XXXX XXXX and XXXX request personal and card number, social security, maiden name, security code on card to 'answer or provide information ' to the consumer. 
I contacted CITIBANK on XXXX via private phone number XXXX Please address and review the following information : XXXX PM XXXX XXXX On call with CITIBANK, placed on hold -- XXXXvia private line XXXX XXXX XXXX picked up the line for CITIBANK stating she was a XXXX XXXX ! From XXXX ( XXXX as in XXXX XXXX as in XXXX XXXX as in XXXX XXXX XXXX XXXX and XXXX as in XXXX  ) from the XXXX. 
I XXXX XXXX XXXX XXXX 1 stated : " XXXX XXXX is on the line! '' XXXX XXXX stated " Correct! '' Screaming could be heard stating " XXXX XXXX is not CORRECT! Burning CITIBANK! '' XXXX XXXX XXXX picked up the phone line for CITIBANK again falsely impersonating a worker. 
XXXX PM A XXXX XXXX ( false impersonation ) provided the SAME ID as XXXX XXXX impersonating a XXXX XXXX. 
XXXX USA False Impersonation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX stated that their supervisors in the XXXX  were ( XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX was impersonating XXXX. 
One could hear XXXX XXXX in the back of the CALL, with another CITIBANK customer arguing with her telling her to get off her phone. 
I XXXX XXXX XXXX 1 explained to CITIBANK representative that XXXX XXXX is NOT authorized to work in the United States ; XXXX impersonating XXXX XXXX -- - CITIBANK ID provided : XXXX They claim to be in XXXX, XXXX ; XXXX PM XXXX XXXX XXXX XXXX interrupted my private phone line XXXX once again to state that " To Russians -- -I am the XXXX! '' Please note that XXXX XXXX IS a Reported STALKER-NOT RELATED/CRIMINAL ACTIVITY -- - XXXX XXXX XXXX 1 XXXX XXXX XXXX XXXX XXXX do expect for these false impersonators to be apprehended. 
XXXX
Consumer complaint received 2023-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I recently disputed late payments with Transunion stating that the late payments are innacurate and I was never late, to show me documentation/ proof that I was late if not they need to change payment history as never late paid on time. Transunion got back to me with investigation results stating that both accounts I disputed are accurate, but I never disputed one of the accounts there talking about, and they never sent me documentation : proof that I was late on payments. If they can not show me proof / documentation that I was late on accounts they need to follow my orders and delete. They cant just say its accurate without showing documentation. In order for an account to be late on payment, I the consumer need to be sent a a letter 21 days before due date that I owe such and such amount, I never received that letter, also Ive never even have written authorization for this to be furnished which is libel defamation, I ask for documentation / proof for the written authorization and documentation proof I was late and Transunion didnt attached none of those documents together with investigations results. Also I disputed XXXX  XXXX and XXXX. Transunion showed me investigation results of XXXX. And XXXX XXXX I never disputed XXXX XXXX.
Consumer complaint received 2021-12-19
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: Lending Club Corp (AZ)

I contacted XXXX in XXXX XXXX about the lending club reporting my account wrong. I told them I was late in XXXX not XXXX which they opened the dispute. In turn for retailation the lending club posted my account late in XXXX again and now XXXX I spoke to the chat person they agreed I had not been past 30 days in those two months. XX/XX/XXXX they send me where I can dispute above some line in an email. I do this and they then repost the lates so my score keeps tanking I am in line for XXXX and this has cost me a 2 month delay due to incorrect posting and the damages are insurmountable. Now they send me another email to go to XXXX which XXXX they know will not open a reinvestigation that has been done. I spoke to XXXX. So I have exhausted all avenues fighting with this company for lates that were not valid and are not valid. They do not listen I have called and chatted been hung up on.. Your my last resort before counsel ask for damages as XXXX shuts down at the end of this month I am XXXX points away and the points I keep dropping from this error is in excess of XXXX its called reaging.
Consumer complaint received 2024-05-30
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: InDebted Corporation (OH)

I had a loan with XXXX  for {$6000.00} that I was making payments to XXXX a month. If I fell behind customer service informed me that as long as I made the payment by the XXXX of each month and even posted online by that time, that the payment would be honored and would just take XXXX to XXXX hours to process. I usually see results taken out of my account the next business day. 
I fell behind on payments due to XXXX issues with family. During that time I was contacted by Indebted.com, who claimed that they were working on behalf of XXXX to resolve past due payments. They offered a payment arrangement online for XXXX payments for {$350.00} which would make the account current. The website also show that it takes XXXX to XXXX hours to process. 
On XX/XX/XXXX I went online to make a payment arrangement with indebted for XXXX payments of {$350.00} XXXX in XXXX and XXXX in XXXX. The payment was supposed to be taken out on XX/XX/XXXX but it was taken out on XX/XX/XXXX. I have email confirmation of the payment arrangement and the payment. 
Since it was done before the XXXX I assumed everything was fine. However on the XXXX I received an email from XXXX saying that the payment wasn't received in my account was in default. I contacted XXXX XXXX  and explain to them about the arrangement with indebted. They say they never receive anything from them and to contact them. I contacted and did it and work with a representative who stated that it may take awhile to process and to give it a couple of days to reach XXXX However an hour after I talked to the representative I received an email saying that the payment plan was canceled. The {$350.00} was never used for the payment nor did it get refunded to me.
Consumer complaint received 2019-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY IN ONE CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2019-11-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Phoenix Financial Services LLC (MD)

As I can remember I had a court order documentation to order by the Judge to have my son XXXX  evaluated. They authorizes picked him and took him to the hospital. I should not be responsible for the debt. Plus I never go a bill regarding this matter sent to me to get a head start complain about it.
Consumer complaint received 2017-09-07
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Independent Finance Company LLC (CO)

I paid my car off in XXXX of this year, got my title no problems and now I have a problem with my credit report saying I was delinquent for 90 days I called them and she said she saw nothing wrong and told me to report it so she could fix it. 

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Toll free XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX Co. 
XXXX
Consumer complaint received 2024-05-30
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P. (FL)

FDCPA section 807 Violation misleading false reporting. Under ( 15 ) USC 1681e ( b ), Canceled debt is gross income, does not get reported to your consumer report ; therefore, this is an inactive account, and needs to be delete it IMMEDIATELY!