davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-08
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. (GA)

Upon reviewing my credit file, incorrect information were found in my reports. The TransUnionXXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX WAY XXXX, GA XXXX XXXX : XXXX XXXX XXXX XXXX WAY XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX TRANSUNION : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX WY XXXX, GA XXXX
Consumer complaint received 2020-04-10
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: PNC Bank N.A. (PA)

I had a meeting with the Bank Loan officer to refinance my mortgage with another bank. The loan officer steered me towards a Home Equity Installment loan and I proceeded with the application process. I requested information pertaining to terms and closing costs. The Good Faith Estimate I received did not include all the fees or the added interest PNC requires. Later I received a revised estimate that started including more interest and I was asked to raise the loan amount to cover, I agreed but asked for all the documents I would be signing to be sent to me so I could review what type of mortgage I was signing up for since the terms and fees seem to be increasing. I week later I was given another estimate of closing that once again exceeded the previous amount of the loan. I refused to increase the loan amount further and filed three formal complaints with the bank so I could receive the loan documents prior to closing ( so I could be informed about what I was signing up for ). The loan officer at one point stated he would send me the documents but then rescinded that offer. The revised Good Faith Estimate I received did not itemize out the added interest PNC was adding to the closing amount and only had one lump sum. The complaint with PNC has not solved any of the issues and I will not be closing tomorrow as originally planned. I have been charged by my own bank for fax fees that I did not authorize in relation to this refinancing. My hope throughout this process was to be an informed borrower but PNC would not comply with that. Their web site has very generic terms and until yesterday they did not even state the actual name of the loan product. Throughout the complaint process the PNC agent told me the loan was not covered by the Truth in Lending Act which made me even more worried about signing up for something that I could not review ahead of time.
Consumer complaint received 2020-04-10
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC (WA)

I recently refinanced my mortgage to XXXX XXXX. My old mortgage was being serviced by XXXX XXXX XXXX subserving my XXXX XXXX. While refinancing they rejected XXXX XXXX 's payment to close out the loan because I had a shortage of {$630.00} in my escrow account. Loancare failed to notify me of this issue and continued charging my interest daily and charged a new PMI payment. Now we are 10 days after closing and over {$300.00} additional is due to close out the loan. They have refused to waive the interest and PMI payment and told me there is nothing they can do. I find this deceptive and way for them to collect a measly XXXX extra dollars.
Consumer complaint received 2021-09-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rauch-Milliken International, Inc. (TX)

The alleged debt item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. The collector has been harassing me, by trying to collect some inexistent debt, and failed to verify any liability bearing my signature. 

1 ) The collector is harassing an individual, by trying to collect the inexistent debt from a corporate, while the individual in no way ever signed and obligated himself jointly any agreement.

2 ) The collector failed to provide any bearing signature agreeing on the alleged renewal agreement regarding the amount pretended.

3 ) The alleged renewal agreement in any case is out of the statue of limitations in any case.

4 ) The collector is harassing by sending emails, and calling to a corporate phone owned by my actual employer, in addition to be sending letters to a property which has caused complaints against me. 

The Collector has been instructed to Cease and desist any type of communication that is resulting in harassment, and potential claims due to non-compliance of federal laws under the Fair Debt Collection Practices Act, and the corresponding local state laws including the violation to individual civil rights for willful non-compliance. 

Failing to provide a copy of any alleged contract, or other instrument bearing my signature and may result in a small claims action against the collector, and the associates harassing. 

I am seeking a minimum of {$1000.00} in damages per violation for : Defamation Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) In addition to violations to my civil rights.
Consumer complaint received 2020-09-14
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Coinbase, Inc. (CA)

I have got some issue here related funds withdraw from coinbase. 
I have started total 2 withdraws on XX/XX/XXXX, which is amount {$3100.00} reference number : XXXX, and amount {$5400.00} reference number : XXXX to my XXXX XXXX bank account.i can see the money did hit my account, and have been posted.BUT the exactly same amount of money been DEDUCTED from my account by coinbase at same time.which means I didnt receive the money I mean to withdraw either in my bank account nor coinbase wallet. 
I have try to contact coinbase for this matter in past few days and havent got satisfied answer, the problems remain unresolved! i DEMAND coinbase to take it serious as this is quite big money for me!
Consumer complaint received 2020-04-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I disputed multiple accounts that started last XX/XX/2020. The Credit Bureaus failed to verify these accounts after multiple dispute letters and warnings to submit complaints, I have no other option but to file a complaint with CFPB.
Consumer complaint received 2022-11-05
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: WAKEFIELD & ASSOCIATES, INC. (MS)

XX/XX/2022 account was reported delinquent 1666a-1666b states that a creditor can not treat a payment on a credit card account as late for any purpose. I have tried to reason with my current creditor. I have a right to privacy These late payments have stopped me from getting approved for things I need to take care of my family This account reports late every month
Consumer complaint received 2020-09-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (NY)

I recently discovered that Citibank, which my wife and I have been customers at for 45 years, has been charging me interest for a line of credit loan that I never applied for. They say it was done at a cash machine. I know nothing about this line of credit loan. My wife, who passed away recently, took care of our Citibank bank account, and never mentioned this to me. A loan does not make sense as we have {$50000.00} in two checking accounts. I have asked the manager ( XXXX XXXX ) and assistant manager of my local Citibank branch at XXXX XXXX and XXXX in XXXX numerous times over the past more than two months for information about this loan - when it began, what was the amount, and what was the rate of interest, as well as a complete historical record of payments, both principal and interest. They say they are working on it, but I have not yet received a reply. I dont understand why it would take so long to find this information that should be easily accessible in their computer records. When I asked for a copy of our statements, so that my accountant and I could speed up the process, they refused to do soas well as giving me the name and contact info for her superior. The last I heard she was going back to 2013, to give an idea of how long this may have been going on.

I would appreciate any help you could give me in obtaining this information and in getting a refund of all interest fees that I believe should not have been paid.
Consumer complaint received 2020-09-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NJ)

On paid and additional Principle payment to Wells Fargo on XXXX and it posted to my accound {$140.00}. This lowered my account balance to {$430000.00}. However, when my loan transferred on XXXX the balance was {$430000.00}. I contacted Wells Fargo who indicated that the money was transferred to XXXX and that they could do nothing. I then contacted XXXX who told me the issue was on Wells Fargo. My money now is in an unknown area and no one can help me. Ive spent over 16 hour on phone calls to no avail.
Consumer complaint received 2020-09-14
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: EQUIFAX, INC. (NJ)

I recently sent letters over 60 days ago to these bureaus and they are disregarding regular consumer disputes. I've sent multiple letters before this with no response and it has created a very stressful situation. The statute of limitations for the state of New Jersey have expired.
Consumer complaint received 2020-09-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (TX)

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Afni, INC. 
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX File Number : XXXX RE : XXXX XXXX  Balance {$710.00} Dear XXXX, XXXX, This letter is to inform you that I am disputing this debt listed above. I also want to inform you guys to cease calling me. This debt was not mines at all and I dont know anything about it. I have filed a complaint with the Attorney General of Texas, Consumer Protection and will file a complaint with the FTC. 
In my opinion, you have failed to validate this debt. I must remind you that I originally disputed this debt within the 30-day dispute period outlined in the FDCPA and that I am now also responding in a timely manner to your attempt to validate this debt. Because I still consider this debt as " still in dispute '' I do not expect to hear from you again except to provide information or documentation to clear up my reasons for disputing this debt. 
If this debt is reported on my credit report after I have disputed this debt. I will contact my attorney to file a civil lawsuit against your company. I already advised you in my previous letter that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act and that I will not hesitate to take all legal steps necessary to protect myself. Be advised that I am keeping accurate records of all correspondence including tape recording all phone calls. 
Thank you, XXXX XXXX XXXX.
Consumer complaint received 2020-04-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (VA)

I have receipt a bounced check fee from wells fargo about 3 weeks ago. Not my fault. Had funds, no solution. Today, I get charged an over draft fee because when I have funds. Also, I can not transfer from checking to savings so I can't buy groceries. The over draft fee happened to wipe out my checking. This is a pandemic and Wells Fargo is making my life even harder. Please help
Consumer complaint received 2020-08-15
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NRA Group, LLC (NJ)

HIPAA Violation Alleged account # XXXX National Recovery Agency has not provided me a HIPAA release that releases my medical information to them. The credit bureaus have allowed them to violate my HIPAA rights by continuing to report this account without following the HIPAA guidelines. I have requested a copy of their HIPAA compliant BUSINESS ASSOCIATES AGREEMENT as well as a description of how they recieved my ePHI to show compliance with the HIPAA Security Rule, specifically the HITECH ACT OF 2009. 
( copy of affidavit attached )
Consumer complaint received 2022-10-16
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC. (SC)

Whom It May Concern, I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting ACT, Section 611 ( 5 ) ( A ) of the FCRA-you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C & 1681, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 

I am now enacting my consumer and civil rights to compel you to annul with permanent Deletion of these derogatory accounts or provide testimony and certification that you are adhering to mandated Metro 2 data formatted reporting standards according to regulations.

The following derogatory accounts allegations are either UNTRUE, UNVERIFLED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and must be removed immediately do so today, even right now! The obvious infractions are as follow ; XXXX XXXX XXXX XXXX Account : Account : XXXX Account was paid in FULLL and deleted from all three Credit Reporting Agency. XXXX is the only credit Reporting agency that delete and reappears back on my credit XXXX Account : XXXX This account is in collection with a past due amount of {$1100.00} according to the Metro 2 compliance need to be deleted. 

XXXX Account : XXXX This account is in collection with a past due amount of $ {$7200.00} according to the Metro 2 compliance need to be deleted. 

By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA ENACTED CDIA Metro 2 Compliance regulations. I demand that these above mentioned derogatory items be investigated and permanently removed from my report.
Consumer complaint received 2022-04-08
Product: Credit reporting, credit repair services, 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 XXXX  Account # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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
Consumer complaint received 2022-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: World Acceptance Corporation (GA)

On XX/XX/2022 I received an Response From World Finance Company of Georgia, XXXX ( World ). Their Response was Improperly Documented They Stated the Account/Transaction isnt eligible for this recognition as his debt was charged-off not canceled. Do they not know What charged off mean they put it on a tax Form and Received compensation for that account they Are in Direct violation of 15 USC 6802b and all its subsections I wasnt given a chance to opt out of my Nonpublic personal information ( A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; they are violating. And as far as the statement they are alleging Ive never lived at that address nor had that phone number. ALSO WHAT DOES INDUSTRY STANDARD MEAN? 
They definitely arent in XXXX XXXX Compliance. Have them provide proper Documentation and show the original Creditor with Original Signature I Dont owe any Alleged debt
Consumer complaint received 2020-07-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (TX)

I XXXX in XXXX TX. applied for an Amazon Chase credit card and the card was denied on basis of Having a derogatory relation ship with the bank CHASE, and not having investments on the bank. my credit score is XXXX. I had a call with a representative and was told that i had a card charged more than 12 years ago. It had happened back during the 2009 rescission where I hat to feel for bankruptcy. I feel I was discriminated for there are some other customers with worst credit than me and do not have investment whit CHASE and the are approved. On top of this this Bank did several credit inquiries affecting my credit report score. The representative just hung the call with no further explanation.
Consumer complaint received 2023-03-31
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC (CA)

Complaint No : XXXX Lease No : XXXX Acima Credit is falsely presenting themselves as the original creditor in this leasing agreement and the debt is being incurred from XXXX XXXX XXXX. This is in response to the statement that Acima does not identify as the original " creditor '' or that " consumer credit transactions '' does not apply to them. Well the credit was extended to me so someone has to the be the original creditor in this agreement. I am pointing out XXXX XXXX XXXX as as the original creditor for this Acima leasing agreement because of the signature I see signed from the original lease agreement through a XXXX representative. Also because of the notion that Acima is saying consumer credit transactions don't apply to them and they are not the original creditor. I am filing a complaint to both companies for failing to disclose in the original leasing agreement that the debt is in fact incurring from XXXX XXXX XXXX  and using false pretenses to hide the fact XXXX XXXX XXXX  is the original creditor in this leasing agreement under the Acima name. ADDITIONALLY, I'd like to defer the federal violations from the previous complaint to Acima to XXXX XXXX XXXX as they are identified as the original creditor of this lease agreement. If I have reason to believe XXXX XXXX XXXX is in violation of several consumer credit protection laws under 15 U.S. Code Chapter 41. More specifically the laws listed under 15 U.S. Code 1605. In the original leasing agreement with Acima Credit ( or XXXX XXXX XXXX, the company states that there is a loan processing fee of {$20.00} for processing and preparing documents for the lease. This is in direct violation of 15 U.S. Code 1605 ( e ) ( 2 ) which states that, items exempted from computation of finance charge in extensions of credit secured by an interest in real property SHALL NOT include fees for preparation of loan-related documents. The {$20.00} charge from Acima ( or XXXX XXXX XXXX ) is evidence of this violation. Moreover, 15 U.S. Code 1605 ( f ) ( 1 ) ( A ) states that credit transactions not under an open-ended credit plan secured by real property shall not be treated as accurate if the amount disclosed in the finance charge varies by more than {$100.00} of the original finance charge. The cost of payment in the original leasing agreement shows that this varies by more than {$100.00} from the cost of the amount of credit that was extended to purchase the real property. This also violates 15 U.S. Code 1605 ( f ) ( 2 ) ( A ) which states that the amount disclosed as the finance charge should not vary from the actual finance charge by more than an amount equal to one-half of XXXX percent of the total amount of credit extended.
Consumer complaint received 2020-07-15
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. (VA)

XXXX is reporting a balance and charge off status for an account that was included in bankruptcy on XX/XX/2019 and discharged on XX/XX/2019. I filed a dispute with CPFB to XXXX & Equifax. XXXX resolved their dispute & assured me it was fixed, but when I checked my credit it was only fixed on the other 2 bureaus and remained on equifax. I called XXXX & notified them of the issue on equifax & they stated they would fix it. After still no resolution with XXXX & Equifax still not resolving the original CPFB dispute with them, I filed another dispute directly with equifax on their website. Equifax closed the dispute today stating my file was updated, but when I check my file it is still showing a balance for this account & charge offs after the bankruptcy discharge. I then called equifax and after going through 10 minutes of security verification questions with a representative that I had a hard time understanding, she told told me the verification process was complete and she would look at my account and then disconnected the call! I am so beyond frustrated with this & if it is not promptly fixed I will have no choice but to file suit.
Consumer complaint received 2020-04-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Ascendium Education Group (MD)

Ascendium garnished my tax refund, which has since been banned by the federal government. They sent me a check for {$790.00} but that only covers the Maryland State taxes. I have tried calling but due to covid-19, I can not get in touch with anyone. They also garnished an additional {$2600.00} that should be mailed to me, from my Federal taxes.