davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I dispute the accuracy of my credit report, specifically, the following accounts that do not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX The inclusion of these accounts not only inaccurately represents my credit history but also raises concerns about non-compliance with the FCRA
Consumer complaint received 2020-02-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CT)

Ive asked them to provide documentation that I entered into an agreement with this company and or had anything signed by me agreeing to ownership of this debt. This was not provided. I dont have and have never possessed anything with the company sleep number and therefore I dont owe the original creditor a debt or the company who has brought the debt and is negatively impacting my credit.
Consumer complaint received 2016-02-17
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated committed crime not paying
Company: National Bureau of Collections, Inc (IL)

This was a number I 've had for 10+ years, and for a debt that is not mine. Nor do I have an association with the individual the caller is attempting to reach or the county that is referenced. 

The call was from XXXX, which a XXXX search identifies as owned by National Bureau of Collections in Oklahoma. The call was received on XX/XX/2016 at XXXX. 

Caller states the call is for a male named XXXX XXXX (? ). Caller identifies herself as XXXX XXXX. She states XXXX XXXX has an outstanding warrant in XXXX County and needs to contact her by XXXX.Caller directs XXXX XXXX to contact XXXX, extension XXXX. 

At no time did caller identify her company.
Consumer complaint received 2021-04-16
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: EQUIFAX, INC. (CA)

I have tried to dispute this account over and over again with Equifax. The collection agency has provided me with proof that the account first became delinquent in 2014 and it should come off because it is past the 7 year limit for collections. Please find the attached proof.
Consumer complaint received 2020-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: ID Analytics, Inc. (WA)

I requested my credit report from Sagestream LLC on XX/XX/XXXX, through the company 's online request form. After submitting the form, I received a confirmation message stating that I would receive my credit report by USPS first class mail. I never received the report. 

I submitted another form on XX/XX/XXXX and received the same confirmation message. I have not received the report. 

This is my second complaint against the company. I tried to contact the company several times by phone and once by mail prior to my first complaint. The company 's response to my first complaint was to suggest I complete an application on their web site. I have done this twice and still have received no response.
Consumer complaint received 2021-04-16
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: CURO Intermediate Holdings (TN)

I do not have any contract with you, you even failed providing me the original contract bearing my signature showing that I have contractual obligation to pay you. 

Fair Credit Reporting Act, Section 609 states that you are required by federal law to provide me and send me a proof such original signed contract bearing my signature.

FDCPA Section 807 ( 8 ) You have failed to validate the debt, this is misleading/false reporting The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611 ( A ) ( i ) promptly delete the item if the information is found to be inaccurate or incomplete or can not be verified. You must request the credit reporting agencies to remove inaccurate and incorrect information and delete it from my credit report IMMEDIATELY.
Consumer complaint received 2020-02-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (AZ)

I have filed a billing dispute for my CITI Prestige Credit card for a transaction made on XX/XX/2019, CL*TRAVEL of {$1200.00}. The dispute case number is XXXX. The reason for the dispute is the service received is not as expected. After I filed the dispute, the CITI dispute team never asked me to provide any supporting materials but closed the dispute in favor of the merchant by just listen to the merchant side. The reason CITI close the dispute is " you used these services with the knowledge they were not what you originally agreed upon '', which is certainly not TRUE at all. 

The nature of this dispute is, when I book the hotel from CITI Thankyou portal 's travel website, the XXXX XXXX stated that their hotel room is SUPER CLEAN in their booking website. But when I stayed in the hotel, the room is not that clean and I get a severe bug bite in the hotel, and I know the consequence of bug bite after I leave the hotel. When I first stay in hotel I find the room is not that clean, but the hotel reject to refund the prepaid room charge, and promise they will clean the room to the required standard, but they didn't. First, I didn't know the room service I receive will be like this dirty, if I know I will never choose to stay there. No one is going to stay a room with bug issue. Second, hotel reject to refund the room charge after I tell them the issue of the room, and promise will clean the room, but they didn't. Thrid, the severe consequence of bug bite happens after I leave the hotel. So the reason that '' I understand the room situation at beginning and still choose to stay there '' is NOT TRUE. 

I called CITI dispute and explained what happened and CITI promised they will re-open the investigation. After I sent them all the supporting materials, the CITI dispute team never reach me to discuss the issue and reject the dispute for the same reason. I believe the CITI dispute team never investigate the case or even look at the supporting materials I sent to them. The reason CITI denies my dispute is not convincing.
Consumer complaint received 2021-04-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Lending Club Corp (NC)

XX/XX/XXXX - I signed a settlement agreement with Lending Club. It was agreed {$7600.00} of {$11000.00} owed was acceptable by Lending Club. Monthly payments were made and the final payment was made to Lending Club of {$3700.00} in XX/XX/XXXX. The balance was requested by me and I have an email from Lending Club with the {$3700.00} amount as the balance left to pay. In XXXX, Lending Club did report a charge-off on my account in the amount of {$3400.00}. Since then, I am not exactly when they changed the balance to XXXX and kept the status as charged-off. 

XXXX - I received correspondence from XXXX XXXX XXXX stated that I owed {$3400.00} to XXXX XXXX XXXX and the original Creditor was XXXX. ( It was Lending Club that I had the account with. I had never received any correspondence with the Creditor name as XXXX. ) They were offering a settlement agreement for me to pay {$1700.00} of the {$3400.00}. XXXX opened a new account in collections with the 3 credit bureaus and a balance of {$3400.00} as of XX/XX/XXXX. They have continued to report 30 days late each month because I refused to settle on an amount that had already been settled with Lending Club. 

XX/XX/XXXX - I received correspondence from XXXX XXXX XXXX, stating they were verifying the debt and will be servicing the debt for XXXX XXXX in the amount of {$3400.00}. 

XX/XX/XXXX - I sent a certified letter to XXXX XXXX XXXX, explaining that the debt had been settled with Lending Club and the XXXX  should be removed from all three credit bureaus. 

XX/XX/XXXX - I received a letter from XXXX stating they would be looking into my inquiry. 

As of XX/XX/XXXX, I have not heard anything from either Company. However, the XXXX is still on my credit report in collections and they continue to report late each month. 


Thank you for any help you can provide.
Consumer complaint received 2020-02-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: M&T BANK CORPORATION (PA)

Dear CPFB I am complaining about M & T Bank where I have a joint with my daughter. 

Within the last year, I went to the XXXX Branch of M & T Bank and met with Assistant Manager XXXX XXXX. I asked to be removed from the account. As I watched, he worked on his PC, and told me I was off the account. I asked if I had to sign anything, he said no and I left thinking I was no longer an account holder. 

Imagine my shock when on XX/XX/XXXX, I received an email for insufficient funds notice. Turns out this was my first notice but the the last one before the bank blocked the account and began their collection process. 

So I had no knowledge but looked into it further and a small matter, less than {$100.00} for a purchase, the first membership fee, and an overdraft let to almost {$300.00} owed. My daughter chose to NOT have her card overdraw her account for everyday purchases. I further learned that the gym is a recurring transaction and not impacted by this choice. 

The account is negative almost {$300.00}. Is it reasonable for 6 fees of {$38.00} for two items overdrawing the account {$62.00}?

It seems convenient that my wishes to be removed did not happen, and M & T only bothered to contact me when the account was a mess. 

She paid M & T bank last year a total of {$610.00} in fees I have since learned researching this matter. She stopped using the account, and a charge for XXXX XXXX XXXX  XXXX XXXX  overdrew before she could close the account. 

Im contacting the CPFB to make sure you are aware of M & T Bank and the fees it charges account holders. How a customer can pay over {$600.00} last year, and this year two items can cause another {$230.00} in fees. And only when a sufficiently large balance is racked up, do they contact everyone on the account? 

When I contacted the bank, I was told that I remain an account holder and responsible, the account needed to be closed to remove my liability, and that I need to pay in full. Im willing to pay a reasonable amount on behalf of my daughter. 

Please help me in this matter, thank you.
Consumer complaint received 2020-02-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. ()

On XX/XX/2020 I tried by all means to withdraw from the coinbase.com wallet the value of {$110.00} in bitcoins, which have been impossible to withdraw, because a legend appears that my account is already restricted. On no previous occasion I had problems, but now the account is restricted so I can't withdraw my money. 
I have communicated with the official support, and they told me that there is no support for the area where I live, I just have to solve they problem all by myself. Then they sent me another email telling me that the case was closed, and I still can't withdraw my money from the wallet. 
To be clear, I have all my documents verified by the company, and I am enabled to deposit and withdraw cryptocurrencies in my wallet. I have all the verifications in 2 steps, code by mail, code by phone number and fingerprint, and still I can not withdraw my money. 
I will be thankful if you can help me with this problem.
Consumer complaint received 2021-02-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I'VE REACHED OUT TO ALL REPORTING COMPANIES ASKING FOR A SIGNED CONTRACT, AND I HAVE NOT EVER RECEIVED ONE. WE I CONTACT THESE COMPANIES ON THE PHONE AND IN WRITING WITH MY REQUEST THEY NEVER RESPOND WITH A SIGNED CONTRACT. THERE IS NO PROOF ( WITHOUT A SIGNED CONTRACT ) THAT I AGREED AND THAT I AM RESPONCIBLE FOR THESE DEBT 'S!
Consumer complaint received 2020-02-20
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SYNERGY ONE LENDING, INC. (NE)

My husband and I built a home in XXXX, NE. Construction financing was provided by XXXX XXXX  and the finally loan ( considered a refinance ) was with XXXX XXXX XXXX XXXX  ( Synergy Lending DBA XXXX XXXX XXXX XXXX ). .The loan officer and processor were misleading and didn't provide closing figures as they are required to do within 3 days prior to closing. In fact, we didn't receive closing numbers until we were sitting and waiting at the closing company. The loan officer ( XXXX XXXX ) told me to have my builder place a lien on my property ( which cost me {$150.00} ) as that would get me a better rate as the loan would not be considered a refinance. After I did this, he called me back and said that wouldn't work. He also pursued a lien on our home from the XXXX  XXXX XXXX for the same reason of treating our loan not as a refinance. I told him I didn't want to pursue this as I didn't think the XXXX would do this, however, he did it anyway and it cost 2 extra days in the closing process. I told XXXX many times that I wanted to hurry and close as had a 6.25 % rate on my construction loan. I also told XXXX about 8 weeks ago ( early XXXX ) that I wanted to use XXXX XXXX for our home closing. The week of closing the closing agent ( XXXX ) said that a notary would be at our house that week for the closing. When I expressed concern and said we wanted to use XXXX XXXX, she indicated this would extend closing further. If we had used a notary and not a closing company, I'm not sure when all the mistakes would be found that XXXX XXXX found. I insisted this was their fault and that I still expected that we close by Friday of that week. On the day of closing, we arrived at XXXX XXXX only to find out that documents and numbers were still not final - which is required by law to be provided to us as borrowers by 3 days prior to closing. There were numerous mistakes on the closing documents that XXXX XXXX was attempting to get corrected. XXXX XXXX said that XXXX XXXX  XXXX XXXX was the most difficult lender they had ever worked with. After all of this, XXXX failed to mention that funds would not be released until 3 days after closing since the loan was a refinance. This was NEVER told to us and this further delayed the builder 's ability to pay his subcontractors. Throughout the closing process we were surprised almost daily with requests for documents. I told XXXX that they need to have a timeline and list of documents for their borrowers so that it was known what was going to need to be provided. The communication was not clear between us as borrowers but even within the bank between the different parties. I got to the point where I wouldn't pick up any calls from XXXX and asked him to send me everything in writing via email as I didn't trust what was told to me on the phone. A very frustrating and confusing process. During the last two weeks prior to closing, while I was at work, I had to spend countless hours referring to requests from XXXX XXXX   XXXX just to try to keep the closing on track.
Consumer complaint received 2020-02-20
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION (MD)

About XXXX XXXX, I was contacted by Credit Acceptance to collect a debt from me totaling {$9900.00}. The agent stated to me that he was an employee of the collections department of Credit Acceptance, as they do all of their debt collecting in-house. Then then stated that the company was willing to settle on the debt for {$3900.00}. I told him that if he could give me until the first of the year, I would definitely be willing to pay that amount. He responded that was doable as long as I paid {$100.00} before XX/XX/2019, to lock in the settlement. I asked him specifically, if I paid this, would the company would be willing to delete this discrepancy from my credit report and he responded yes. So, asked if I could have in writing these terms and he said that he would be sending them via postal services. 
No more than 1 week later, I received the letter, however, it didn't reflect the information that the account would be deleted from my credit as promised once payments were satisfied. 

I called back to Credit Acceptance and explained the situation and what I was expecting. This time, I spoke to his alleged supervisor for his department and she informed me that the gentleman didn't give me true Information, as deleting the account was not something that could be accomplished. 
So, at this point, I was told one thing by one employee and then something completely different by another employee of the same company and same department.
Consumer complaint received 2020-02-20
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY (PA)

Target credit card was unpaid from XX/XX/XXXX until XX/XX/XXXX. I thought I had signed up online for automatic pay from my checking account. I didn't realize the payments weren't coming out of my account. I was a XXXX XXXX and had changed addresses so I didn't receive notices in the mail. I didn't realize I was past due until I started receiving phone calls that I was past due. I immediately paid the balance in full. Target was unwilling to work with me to remove the derogatory information from my credit report. If you look at my entire credit report, I have only had one other issue with a student loan. Everything else has been paid as agreed.
Consumer complaint received 2020-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have some missed payments on my report that have been there for a year or so now. Since that time I have made on-time payments with no late fees and would like to have them removed. The cause of these late p [ ayments was due to my incarceration and had no access to my income or anything of that nature. These payments are preventing me from getting a home as well as other things I need to improve my well being.
Consumer complaint received 2018-05-05
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Fay Servicing, LLC (TX)

My husband and I applied for modification. We went thru the process several times because our note was sold before we got a result. We then had to start over and over. Finally, I was told that we qualified. I explained my husband had XXXX and was told I had to start over for the modification. I reached out to Fay Servicing and someone told me that if I wanted to I could hire a Realtor and do a Fast ( Quick ) Sale and it would not effect my credit. I did as I was told and Fay Servicing sold my house in XX/XX/2016 without notifying me or my Realtor. I have no idea what they sold it for but they say I pd. 100 % of my Loan. Now that I am trying to start my life over without my husband ; I find out that I have a Foreclosure. Why? I hired a Realtor as instructed. Can someone please explain this to me. After my Husband XXXX  I had a XXXX. Although I was not 100 % well, I do remember hiring a Realtor. 

Modification Reasons : 1. My Husband had 2 XXXX   XXXX and one XXXX XXXX within 2 months 2. He had his third XXXX XXXX and 2 XXXX within a month 3. He had Multiple XXXX ( XXXX ) for 4 years. 
4.I have had XXXX most of my life 5. I suffered from clinical XXXX : especially after my husband XXXX. 
XXXX. I had a XXXX. 

I can prove all of this with our medical records if you need them. 

It took along time for me to be able to function. This is the reason I had never asked before.
Consumer complaint received 2020-02-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (PA)

XX/XX/XXXX Approved for a XXXX Plus loan from XXXX XXXX. Car payment XXXX dollars a month. The salesman used unfair sale practices to make a sale ( 1983 Act 83 ) The first 8 months after purchase, payments were compliant. During month 9, I began to experience financial hardship. Made several attempts to request lower payments. Company denied request on a several occasions. Company furnish data incorrectly on credit file which is against FCRA Guidelines.
Consumer complaint received 2020-02-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XX/XX/XXXX Approved for a XXXX Plus loan from XXXX XXXX. Car payment XXXX dollars a month. The salesman used unfair sale practices to make a sale ( 1983 Act 83 ) The first 8 months after purchase, payments were compliant. During month 9, I began to experience financial hardship. Made several attempts to request lower payments. Company denied request on a several occasions. Company furnish data incorrectly on credit file which is against FCRA Guidelines.
Consumer complaint received 2022-04-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I received an email from Bank of America stating they received my credit application. I call Bank of America and informed them I did not submit an application for credit. They refused to look me up by other than my full social security number. I did not feel comfortable providing my full social. The gentlemen informed me if that was the case, he couldn't help me.