davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Foris DAX, Inc. (CA)

My complain is about Crypto.com. I opened crypto account a while back and when i opened the account to trade crypto currency i scaned  my id and everything they wanted and i started trading crypto currence. At some point i wanted to withdraw my currency to my bank account and they wont let me withdraw the money since my mailing address is po box and i tried reaching out to them saying that we live in area we dont get mail delivered so we are mandatory required to have po box address so all my utilities and bank account and even my id has po box . 
My complain is why did they not disclose this when i opened the account that i need physical address not po box why did they allow me to use my bank account and my id which has po box address to open account and now i want to withdraw they come up with this that i need physical address.they need to let the customers know before they open account not when they want to withdraw. 
I lost so much money coz i was not able to withdraw crypto whien they were up and now they are down so i lost money and they are not taking any responsibilities and my money is stuck and i cant withdraw.
Consumer complaint received 2021-11-20
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: Lending Club Corp (NY)

Opened a high yield savings account with Lending Club. Feel they were misleading. After opening account found there was a {$5000.00} transfer limit per day on account. This was no good for me. Called several times to close account. Was told they could not close until initial {$100.00} deposit was in account and then they would close with no problem. Called XX/XX/21 after waiting a week to make sure initial deposit was in account. Account # is XXXX. {$100.00} was in account but they are still refusing to close account. Asking me to mail them documents to close account. I didn`t have to mail them documents to open account. I have other online savings accounts and never had to go through this aggravation. Every time I called them felt I was getting the runaround.
Consumer complaint received 2021-11-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (OH)

I am not an attorney not am I a XXXX party. I am filing a complaint on behalf of myself because it is my legal right to do so. 
I am just now getting back to work and I have some late pays that need to be addressed. I have accounts that are not reporting correctly on my credit reports XXXX XXXX  # XXXX #. My income was impacted due to the Pandemic shutdown. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I wasunder the XXXX, XXXX. XXXX XXXX, section XXXX, codified at XXXX XXXX XXXX ( a ) ( XXXX ) ( F ) ( i ) ( I ), XXXX XXXX ( a ) ( XXXX ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file.
Consumer complaint received 2018-09-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (MA)

I am currently disputing a debt with Convergent XXXX and have asked the following company to provide me with documentation attesting they have documentation I am asking for, I have sent two letters to the company the first one was accepted by this company. The second one was " refused '' I sent it via certified mail and they refused to accept the incoming mail. I am reporting this because they should be accepting the mail I sent them and should give me the information I am requesting from them or say they in fact don't have this documentation but communicate with me not just reject the mail I sent to them.
Consumer complaint received 2021-07-24
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nelnet, Inc. (NM)

my address is listed wrong on XXXX XXXX and also Department of Education Nelnet. I have multiple address on my credit reports. The only address that should be on my credit reports is XXXX XXXX XXXX. XXXX XXXX  XXXX. Please advise or fix this issue once it is received
Consumer complaint received 2021-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Yamaha Motor Finance Corporation USA (AL)

I have had a problem with Yamaha Motor / Yamaha Financial Services before. I'm not the first person to have problems with Yamaha. I went to get a loan and THEY HAVE REPORTED XXXX PAYMENTS AS XXXX DAYS LATE, XXXX PAYMENT AS XXXX  DAYS LATE AND XXXX PAYMENT AS XXXX  DAYS LATE for the year XXXX. THIS HAS ADVERSELY AFFECTED/EFFECTED MY ABILITY TO OBTAIN CREDIT AND/OR CAUSED ME TO HAVE A HIGHER INTEREST RATE. I requested a payment history from Yamaha of which I received through email. XXXX THROUGH XXXX SHOWS EACH PAYMENT WAS POSTED ON THE CORRECT MONTH, DAYS BEFORE THE PAYMENT IS DUE WITH THE EXCEPTION OF XXXX XXXX PAYMENT WHICH WAS POSTED ON THE DAY/DATE THE PAYMENT IS DUE. THAT IS XXXX MONTHS OUT OF XXXX MONTHS THAT YAMAHA HAS FALSELY REPORTED MY PAYMENT INFORMATION TO THE CREDIT BUREAU 'S. I have, not only the email from Yamaha, I have my bank statements showing where the payments clear my financial institution. I'm asking for Yamaha to correct their wrong behavior by inaccurately reporting false info to the credit bureau 's. And to APOLOGIZE TO ME FOR FALSELY REPORTING MY PAYMENTS AND TARNISHING MY CREDIT. They are continuing to give themselves a bad reputation. I may have something else to add to this complaint in the future. DATES : XXXX through XX/XX/2021. AMOUNTS : {$240.00} EACH MONTH.
Consumer complaint received 2023-07-17
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: HomeTown Lenders, LLC (MD)

My wife and I applied for lending with Hometown Lender XX/XX/2021. We were initially approved for XXXX. We begin to make offers on homes and asked if we could go higher than XXXX. We then begin to get pre-approval letters for as high as XXXX. We finally had a home under contract on XX/XX/2021. We were scheduled to close on XX/XX/2021. On XX/XX/2021, it was determined that we did not have the necessary DTI ratio or the cash to close. Instead of issuing us a loan denial the hometown instead " somehow.. Excluded '' our credit card from our DTI ratio and tried to force us to sign a seller 's concession. They lied to the state regulator about who asked for the seller 's concession and admitted that they knew this would cost us our XXXX. They recommended we get an attorney, which we did, and they never responded costing us more in attorney fees. After the complaint was file with the state regulators they shut down their entire practice in the state and still admitted no wrongdoing.
Consumer complaint received 2021-11-19
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: InDebted Corporation (NC)

I am a consumer as identified in FDCPA XXXX XXXX XXXX a ( XXXX ) and I have a right to privacy pursuant to XXXX XXXX ( a ) ( XXXX ). 

XXXX XXXX XXXX XXXX is in violation according to the XXXX XXXX for comprising my information to InDebted. I have never given any consent for them to share my information in writing. They have damaged my reputation of not being able to apply for any loans and investments. I am contacting my lawyer and you will be getting information sent in the mail because of my damages for breaching my information. I have suffered financial losses and other harm as a result of consumer fraud or violations of consumer protection laws. 
Also Financial institutions are required to take steps to protect the privacy of consumers finances under a federal law called the Financial Modernization Act of 1999, also known as the XXXX XXXX. The FTC is one of the federal agencies that enforces provisions of XXXX XXXX XXXX and the law covers not only banks, but also securities firms, and insurance companies, and companies providing many other types of financial products and services. Under the law, agencies enforce the Financial Privacy Rule, which governs how financial institutions can collect and disclose customers personal financial information ; the XXXX XXXX, which requires all financial institutions to maintain XXXX to protect customer information ; and another provision designed to prevent individuals and companies from gaining access to consumers personal financial information under false pretenses, a practice known as " pretexting. ''
Consumer complaint received 2021-11-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (NC)

I am a consumer as identified in XXXX XXXX XXXX XXXX a ( XXXX ) and I have a right to privacy pursuant to XXXX XXXX ( a ) ( XXXX ). 

Bank XXXX XXXX is in violation according to the XXXX XXXX for comprising my information to Sunrise Credit Services. I have never given any consent for them to share my information in writing. They have damaged my reputation of not being able to apply for any loans and investments. I am contacting my lawyer and you will be getting information sent in the mail because of my damages for breaching my information. I have suffered financial losses and other harm as a result of consumer fraud or violations of consumer protection laws. 
Also Financial institutions are required to take steps to protect the privacy of consumers finances under a federal law called the Financial Modernization Act of 1999, also known as the XXXX XXXX. The FTC is one of the federal agencies that enforces provisions of XXXX XXXX XXXX and the law covers not only banks, but also securities firms, and insurance companies, and companies providing many other types of financial products and services. Under the law, agencies enforce the Financial Privacy Rule, which governs how financial institutions can collect and disclose customers personal financial information ; the Safeguards Rule, which requires all financial institutions to maintain safeguards to protect customer information ; and another provision designed to prevent individuals and companies from gaining access to consumers personal financial information under false pretenses, a practice known as " pretexting. ''
Consumer complaint received 2021-11-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Global Asset Agency, Inc. (GA)

Received a phone call at work from an agent asking for my address for a 1099 to be sent out. Given I work at XXXXt, I told the lady my addressed and asked her what this was about. She gave me a case number and phone number for Global Asset. Global Asset notified me I owe {$1400.00} to another company and the only way to resolve the issue with them to get it removed is to pay that 1400 or keep up the process of IRS garnishment which will commence in 1-3 business days.
Consumer complaint received 2022-05-18
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I deposited a check for XXXX from a stock sale with Citizens ATM and there was a problem with the check not crediting to my account. I went to the branch first thing on a XXXX  XXXX and was told they can expedite a dispute and get back to me in two days. I have been given a runaround with the bank, the staff has misled me, no one can give an answer and so far I am out the money which is needed for other things I have had multiple problems with this bank and I never can get assistance, they need to be investigated for poor customer service that borders on fraud
Consumer complaint received 2021-11-19
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: OneMain Finance Corporation (WV)

One Main Financial sent me an advertisement through the mail to extend credit for up to {$10000.00}. I, a consumer applied for an extension of credit through an application and was denied an extension of credit due to information that was shared through the credit reporting agencies which is identity theft and fraud according to the Fair Credit Reporting Act and Fair Debt Collection Practices Act. Pursuant to 15 USC 1602g I the consumer have the right to extend credit. I granted you the credit on my application. Pursuant to Equal Credit Opportunity Act 15 USC 1691 ( a ) Activities constituting Discrimination shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction.
Consumer complaint received 2015-07-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (TN)

I have contacted Equifax on numerous occasions concerning all the inaccuracies that I 've disputed on my credit file for re-investigation and after several times, finally so I thought everything was deleted for good that did not belong to me. I received a letter in the mail XXXX/XXXX/2015 stating that Equifax has added the Bankruptcy back to my credit file. I did have a fraud alert on my credit file with all XXXX of the credit reporting agencies that lasted 90 days. I am outraged and want something done concerning this issue. I would like to see were my name is on the bankruptcy papers. I am also filling a complaint against Equifax, XXXX XXXX and XXXX for not updating my credit score that I have work so hard to bring up. I sent all XXXX credit bureaus certified mail receipts out on XXXX/XXXX/2015 and still to this day, have not heard any response back from them.The only response I received back was Equifax stating they have added the bankruptcy back to my credit file. They are breaking the law with the Fair Credit Reporting Act ( FCRA ). Not only them errors but because of all XXXX of the credit bureaus did not update my scores, it has caused me denials of applying for credit again.This has really hurt me in more ways then XXXX.
Consumer complaint received 2022-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

The following inquiries are inaccurate, and they are adversely affecting my livelihood. 
Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc. (FL)

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have a loan with GM FINANCIAL. I have always made my payments on time. For some reason, I realized that there were 30 days late payment on my credit report and I do not believe I was late on the dates they are reporting. This account should not be showing the current status of 30 days late ( XX/XX/XXXX ) since it's already been paid for. It seems impossible to accrue late on an account that has already been paid. Please investigate this illogical status. 
GMFNANCIAL - ****** Opened Date XX/XX/XXXX Balance {$11000.00} GMFNANCIAL - ****** Opened Date XX/XX/XXXX Balance {$20000.00} GM FINANCIAL - XXXX Opened Date XX/XX/XXXX Balance {$10000.00} GM FINANCIAL - XXXX Opened Date XX/XX/XXXX Balance {$20000.00} GM FINANCIAL - ****** Opened Date XX/XX/XXXX Balance {$11000.00} GM FINANCIAL - ****** Opened Date XX/XX/XXXX Balance {$20000.00}
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX/XXXX  Account Number : XXXX Account Name : XXXX  / XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 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 2021-11-19
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: EQUIFAX, INC. (NC)

On XX/XX/2021 I contacted Equifax for the second time via phone for a status update regarding some recent disputes that were submitted. Upon speaking with the dispute agent, I was informed that one of the six inquiries would be removed, but that I would need to submit a FTC REPORT in order to have the others removed. 

I asked the representative to provide me with the information that would be needed, and they said to just lift the inquiries and fax the report back with identification. I did this the same day. 

On the XXXX, of XXXX I called to follow up again regarding the FTC REPORT that I had previously submitted on the XXXX of XXXX. At which point I was told that it was an internal policy that was in place at Equifax, by XXXX XXXX XXXX ), to not prizes any FTC REPORT that didnt include a date for disputes, and that it was not to be made public information.
Consumer complaint received 2023-02-21
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: Experian Information Solutions Inc. (CA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing in regards to a charge off account with XXXX XXXX XXXX, account number XXXX. I am disputing the information that has been reported on my credit report and would like to request an investigation into this matter. 

According to my credit report, this account has been charged off, however, I have reason to believe that this information is incorrect. I have never received any notifications from XXXX XXXX XXXX regarding this account, and I have not received any statements or invoices. I also have no recollection of any transactions or payments made towards this account. 

Furthermore, there are discrepancies in the reported addresses associated with this account. The previous addresses listed on my credit report are incorrect and do not belong to me. I have never lived at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX or any of the other addresses listed on my report.
Consumer complaint received 2024-02-17
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credence Resource Management, LLC (AR)

Someone from a debt collection agency called and said they were XXXX XXXX. I closed and paid out my XXXX XXXX  account in XX/XX/XXXX. I did not owe anything nor was I ever going to be in collections due to this. I verified this several times. However I got a call this evening on XX/XX/XXXX from a debt collector claiming I owed them XXXX and he could speak to his supervisor to get this debt cut in half, I said yes in fear but knowing in my gut this could not be true. He then got back onto the phone in one minute and said I can cut this in half for you today and you will be clear of debt and I will not report this to any collection agency. This " debt collector '' knew all of my personal information so I almost believed them. When I asked then to send me an email to verify this, or what the payment would come up as on my card statement, and what the company name was he got very upset and said I need to pay this now or he will report me right away, my wife took the phone from me and said give me your debt company name and he hung up on her. He did not call back again. I contacted XXXX XXXX  later that evening and XXXX  this and it seems to be a common scam of XXXX XXXX  customers. This debt collector claimed I owed for cell phones and the rest of the bill. XXXX verified that we did not owe, our accounts were closed and this was not them. This " debt collector '' knew all of my personal information from when I was an XXXX customer. How did he have my number, email and know I was a previous XXXX customer. I am very concerned for my privacy and information right now.
Consumer complaint received 2023-10-01
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (TX)

Two different collectors are charging me on behalf of an apartment complex for rent. They are also charging the wrong person. I never owned a apartment on XXXX XXXX XXXX XXXX Tx XXXX. The person who actually had a lease agreement at the apartment ( the collectors are trying to charge me DOUBLE for ) is named XXXX XXXX XXXX. XXXX date of birth is XXXX XXXX XXXX and his S.Security # XXXX. These charges belong to XXXX XXXX it was his lease and the apartment XXXX said she had to have my name since I was his girlfriend just so when staff saw me they would know I had a right to be there as a visitor but that was a lie because now Im stuck with two bills.

Now I will list the two credit collectors : 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( side note : here they are lying about the Date open again when its XXXX ) * This is fraud. These companies are trying to get over on me and was very nasty when I called them about this and the they both updated the the open dates after I phoned them. They told me I had to pay this when I never got this apartment in my name! AND both of them are charging me for the same apartment and different prices! Help please. This should not be in my credit report. I also want to add that XXXX XXXX had stayed full term at that apartment but on the last month he was supposed to pay rent, he did not pay. Instead he moved out with it BUT that was only {$1000.00} he didnt pay so where are they getting over {$3000.00} from? Nothing about this is right. I even called the apartment complex ( XXXX XXXX  ) and they have know idea what these collections are about and they couldnt find me in their system either!