davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: MarkOne Holdings, LLC (FL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX XXXX XXXX XXXXXXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-06-06
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Rushmore Service Center, LLC (CA)

When I called Rushmore loan servicing to start the modification application on XX/XX/year>, CSR suggested I look at " California mortgage assistance '' to catch up on the late payments due to disaster at residence. Upon calling the company handling that, at XXXX, their applications closed XX/XX/year>.
Consumer complaint received 2024-06-05
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Bliksum, LLC (CA)

XXXX NEW LOAN OF {$40000.00} WITH LOANME XXXX XXXX XXXX XXXX XXXX, CA XXXX PAYMENTS XXXX DUE ON THE XXXX OF EACH MONTH XXXX MADE A PRINCIPAL ONLY PAYMENT OF {$1000.00}. 
ACCOUNT STATES XXXX PAID TO PRINCIPAL AND XXXX PAID TO INTEREST. 
MADE SEVERAL CALLS TO COMPANY TO FIX THIS ISSUE AND ADJUST ACCOUNT BALANCE. 
XXXX TRANACTION REVERSED AND PAYMENT POSTED CORRECTLY TO PRINCIPAL. 
XX/XX/XXXX XXXX XXXX {$2000.00}. PRINCIPAL PAYMENT OF WHICH XXXX POSTED TO PRINCIPAL AND XXXX POSTED TO INTEREST. AFTER SEVERAL ATTEMPTS TO DISCUSS WITH SOMEONE WHOSE WAS ABLE TO FIX IT. ALL CALLS RESULTED IN A SUPPOSED CALL BACK WHICH NEVER HAPPENED. ASKED TO TALK TO SUPERVISOR, NONE AVAILABLE. 
XXXX SPOKE WITH A XXXX XXXX WHO SUBMITTED A TICKET TO FIX THE PAYMENT. SAID IT SHOULD BE CORRECTED IN A DAY OR XXXX. 
MADE NUMEROUS CALLS TO FOLLOW UP. STILL NO CHANGE TO ACCOUNT. 
WAS TOLD I WOULD RECEIVE CALL FROM XXXX ON FRIDAY XX/XX/XXXX. 
XX/XX/XXXX LEFT ANOTHER MESSAGE. 
SENT SEVERAL EMAILS. NO RESPONSE TO ANY. 
XX/XX/XXXX SPOKE WITH XXXX XXXX AND WAS TOLD THAT PRINCIPAL PAYMENTS ARE NOT ALLOWED. WAS TOLD TO FILE A COMPLAINT WITH CUSTOMER SERVICE ONLINE. 
XXXX SENT EMAIL TO CUSTOMER SERVICE ONLINE. EMAIL RETURNED UNDELIVERABLE. 
LINK ON WEBSITE DOES NOT WORK. 
XX/XX/XXXX CANCELLED ANY AND ALL ELECTRONIC TRANSACTIONS WITH LOANME THROUGH OUR BANK UNTIL RESOLVED.
Consumer complaint received 2023-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: U.S. BANCORP (OK)

I have a XXXX XXXX. Some time ago I did a balance transfer to that card of about {$7000.00} at XXXX percent interest until XX/XX/XXXX. I also had some purchase balance on the card. I started paying extra in XXXX to pay off the higher interest purchase balance. When I looked on my statement this month I noticed that the transfer balance had been reduced instead of the purchase balance, which is at a higher interest rate. I called the company today ( XX/XX/XXXX ) and asked them what wash going. They told me that they always apply payments to the higher interest rate first. I told them that it was my understanding that the law required them to apply extra payments to the higher interest rate. The representative told me that she had never heard of anything like that. I did some research and found that under the Credit CARD XXXX of XXXX they should have applied the extra payments to the higher rate first.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

This is an ongoing issue that I have been trying to fix now for months but my requests to correct the errors being reported on my credit are consistently ignored which is absolutely frustrating. These times have been challenging and this is a big hindrance to me in achieving financial freedom, my applications are getting denied due to these errors impacting the overall aspects of my life negatively.
Consumer complaint received 2024-06-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Greyhound Capital Group LLC (OK)

I paid for XXXX tickets for myself and XXXX XXXX to get back home and never received the tickets so I couldn't even cancel or change my time or bus route. They staff were rude and didn't help me at all they said that i was beat. I didn't receive help or compensation any information whatsoever. I received a recipe today that states I boarded the buss, that is a absurd. So now I had to pay out of pocket again, and I'm stuck in XXXX Texas. And I don't have the money to get home.
Consumer complaint received 2024-06-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Marauder Corporation (WI)

I am writing to formally dispute the validity of a debt reported by Nationwide Capital Services on my credit file. I sent multiple requests for validation of this debt as required under the Fair Debt Collection Practices Act ( FDCPA ). To date, I have not received any response from your company.
Consumer complaint received 2023-03-13
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. (CA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Updated : XX/XX/XXXX XXXX XXXX XXXX Balance Owed : {$12000.00} XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-06-05
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Strategic Financial Solutions, LLC (OH)

In early XXXX I kept trying to call the attorney, XXXX XXXX, appointed for me by XXXX XXXX. No one from this office ever answered the calls or called back with answers to my voicemails. I tried contacting the office in California and XXXX. No one answered there either. I was getting nervous and scared. I sent an email to The XXXX branch asking if they had received my e-signed document regarding the changes they were making in the fee process. They had been taking fees since I started the debt reduction process XXXX  months earlier. 
I finally got an email on XX/XX/XXXX that they would follow up in XXXX days. XX/XX/XXXX I got another email stating they had received the document. I could still not reach anyone by phone. All the while, they were automatically deducting {$380.00} each month on the XXXX after my social security was posted to my checking account. I only get {$1300.00} per month and this is a hardship on me. They knew I was paying with XXXX money because I sent them a copy of my XXXX letter stating the amount I get. 
On XX/XX/XXXX I got an email form XXXX XXXX that Strategic Financial Solutions was being sued. It is case # XXXX. This really scared me and I knew why no one would talk to me from XXXX XXXX. 
I felt alone and afraid since I couldn't reach anyone so I called Legal Aid in XXXX Oh on XX/XX/XXXX. On XX/XX/XXXX the attorney, XXXX XXXX, called me the afternoon of XX/XX/XXXX, and told debt reductions are a scam and to stop the deductions right away. He also told me to file a complaint with you. 
I got to the credit union where my checking is and they closed the account and opened a new one for me as XXXX, third party payment processing company for XXXX XXXX. 
XXXX XXXX XXXX ( my bank ) was able to get XXXX  months returned for me. The third party account with XXXX still has over {$3000.00} of my money. I would like to get my money back since they should never have taken money from my XXXX deposits and i would you to alert the public to this scheme, especially senior citizens like me. 
Thank you for your help!
Consumer complaint received 2024-06-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Webcollex, LLC (TX)

On XX/XX/year> I wrote and sent a certified letter to CKS Financial XXXX XXXX XXXX XXXX, VA XXXX regarding an item on my XXXX and XXXX credit reports. I stated I was not able to locate an account number or original contract with their company for the amount/item listed on the previously mentioned credit reports. In the letter, I requested that if the information was not able to be furnished in writing within 7 days of receipt, that the item be totally removed from my credit reports. Per XXXX 's tracking link, the letter was picked up and signed for on XX/XX/year> at XXXX. I have not received a response from CKS Financial as of today, XX/XX/year> and the item is still listed on my reports.
Consumer complaint received 2024-06-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: DApps Platform, Inc. (WA)

In XX/XX/XXXX, I began using a dating app where I connected with a woman named XXXX, who also went by alias XXXX. She claimed to be a business woman based in XXXX XXXX, California. As we interacted and developed a friendship, she introduced me to an opportunity she said would allow me to earn significant returns through an AI-generated cryptocurrency trading platform ( XXXX  ). She explained that this platform allowed for profitable trades every 12 hours. XXXX guided me on how to set up my investments. She helped me transfer funds from my financial institution to a digital wallet called " Trust Wallet ''. Specifically, I purchased cryptocurrencies like XXXX  ( XXXX  ) or XXXX  ( XXXX ) to use for trading on this AI platform.Over the course of a month, I saw encouraging returns on my investments as the balance in my AI account grew. In fact, I transferred few gains from AI platform to my current Trust Wallet. However, XXXX informed me that to maximize my gains and improve my trading capacity, I needed to increase my " weight score. '' This score, according to her, would increase if I added more funds to my account. Moreover, AI Customer Service continues to send me the prompt that I have a low weight score and need to add funds to improve my weight score and earn more gains faster. Then, just yesterday morning, I discovered that my Trust Wallet balance had plummeted to {$0.00}, and {$1900.00} had been transferred out. I opened a ticket with XXXX XXXX team about an unauthorized transfer out, which is being reviewed. 

Alarmed, I contacted XXXX immediately. She reassured me that my funds were not lost but suggested that I needed to add {$3000.00} XXXX to improve my weight score, which she claimed was necessary for my initial funds to be returned.Trusting her advice, I transferred another {$3200.00} from my bank card to my Trust Wallet. After informing XXXX that I had added the required funds, I was shocked to find that, within minutes, my TrustWallet balance was back to {$0.00}. At this point, the realization hit me that I had been scammed. 

Total amount scammed : {$1900.00} + {$3000.00} = {$5000.00} Steps taken by me : 1. Reported the scam to Trust wallet Support and a Ticket # XXXX ( XX/XX/year> ) has been created in the email to respond within 1-2 days. Unfortunately, no response from them yet.

2. Filed an online complaint at FTC web site ( report fraudXXXX  ). Case # XXXX XXXX. Filled and submitted XXXX Referral form on XX/XX/year>. 
4. Based on the steps published on TrustWallet page how to reprt a scam, sent email to security team to bring down the domain name ASAP to avoid other users be the victim of such a scam.

5. Created a new digital wallet by following the steps referred on Trust Wallet web page.
Consumer complaint received 2024-06-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Bitstamp USA, Inc. (GA)

We opened a crypto trading account with Bitstamp USA to begin trading crypto currencies. We wired XXXX into our account to begin trading with. We purchased XXXX k worth of XXXX and immediately after that transaction our account was locked for no apparent reason. We went every security verification process they had for us without any issues. 
We have called and emailed customer support without any reasonable explanation as to why our account is locked. These calls and emails have been made daily for the last several weeks without any indication of resolution.Further online reviews revealed numerous Bitstamp USA customers with the same issues as ours. It seems they are dishonest and are trying to steal their customers assets. All we want is to be able to withdraw our funds and crypto as we should be allowed to do .We cant think of or find XXXX valid reason why our account was locked from trading and we can not withdraw our money. PLEASE HELP US get our hard earned money back Thank you
Consumer complaint received 2024-06-07
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: Mobiloans, LLC (WA)

I changed banks around XX/XX/XXXX. I called and made payments arrangements only for 2 future dates. On XX/XX/XXXX I called and they spoke with my bank to authorize auto payments. Nothing was fixed. XX/XX/XXXX or around that time I spoke with them again to set up payment arrangements. Spoke with a male. We spoke with my bank again. They authorized my auto payments. Nothing was fixed and they later on emailed me again saying my payments were late. Please help stop this fraudulent action on my behalf!
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Universal Payment Corporation (CA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( XXXX ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (CO)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-06
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Total Finance AC LLC (IL)

Purchase date was XX/XX/XXXX, payoff date was XX/XX/XXXX from XXXX XXXX. Total amount financed was {$11000.00}. The finance company was Total Finance AC, LLC. Both the finance and auto company have gone out of business now and there is no way to contact them. We have went to secretary of state for loss of title and were told there's a lein on the title. We are currently trying to get a lein release letter.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained these results. Did you receive written notification from the company or was it a verbal confirmation? Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TX)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-06-02
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: A.C.S. Companies, Inc. I (NJ)

Someone used my XXXXXXXX XXXX XXXX XXXX to do online purchases @ XXXX and XXXX XXXX purchases at XXXX in XXXX. I didnt allow anyone to use my card. I had my card in my possession. Also someone made a transaction at a store in my area manually impersonating to be me.It was more then what I uploaded at the XXXX XXXX XXXX. It was only the one at the XXXX XXXX on XX/XX/year>
Consumer complaint received 2024-05-30
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Strategic Financial Solutions, LLC (WI)

I worked with Strategic financial solutions XXXX XXXX XXXX XXXX XXXX. I received an email letting me know that they had a preliminary injunction against them and I emailed asking about making additional deposits. They never responded and I placed my deposits on hold. I called them many times over the past few months and emailed customer service many times and was told to call them during normal business hours. Most times they were closed. Today they actually answered and said my account was closed as of XX/XX/year> because I stopped payments because they never responded. They settled very little and front loaded $ XXXX in fees upfront. I requested logs or communications from them because I am being sued by XXXX XXXX and I was told that they were negotiating a settlement with them. They took the money and then disappeared.
Consumer complaint received 2024-05-29
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Strategic Financial Solutions, LLC (UT)

XXXX XXXX XXXX XXXX XXXX I called XXXX XXXX today to find out why the debts were not being addressed and was told that XXXX XXXXXXXX XXXX XXXX involved in litigation and that nothing was being done until the litigation was resolved. 
On XX/XX/year>, I started a debt relief program with XXXX XXXX XXXX XXXX XXXX XXXX XXXX I agreed to have them settle XXXX accounts and started paying them a monthly amount to fund an account that would be used to settle the debts. The monthly amount is {$710.00}. As of today, I have paid {$9200.00} into that account. Of that amount, {$6200.00} has gone to fees. 
Only XXXX of the debts has been negotiated for settlement and that dept has been paid {$75.00} I need to know what to do to try and get back the fees paid to date.
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

Upon checking my credit report I have discovered that I have a fradulent account that is being reporting on my credit report, the account in question isXX/XX/XXXXXXXX with the account number XXXX, and I have also witnessed fraudulent hard inquiries on my credit report, these fraudulent hard inquires are XX/XX/XXXXXX/XX/XXXX