davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-29
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: UBS BANK USA ()

The big problem where I have an enormous financial loss, being a conservative / moderate, is by a XXXX investment of UBS. Similar XXXX investment offered by XXXX XXXX XXXX in six times in XXXX with our maturities in XXXX. All my XXXX dollars ' maturities were invested in those XXXX by XXXX XXXX XXXX without any term-sheet or confirming-sheet. I ask him the confirmation by email. I attach the email* with the petition and braking, if there is not the confirmation asked. 
XXXX investment has a clause specifying that can not be proposed in the USA. 

The six times XXXX investment was proposed by UBS/ XXXX XXXX XXXX and no other option. 

The six times XXXX investment was proposed by UBS/ XXXX XXXX XXXX XXXX the worst scenario because all indicators pointed to a strengthening dollar : very basic aspect to require any broker to have had him in mind. By contrast, UBS is betting the XXXX and in XXXX investment repeated six times. UBS has broken a golden rule so far he must know. 

UBS breaks my profile of moderate/conservative without any notice. All my investments are conservative and UBS knew this and I have been always very clear with XXXX XXXX about to risk only rates, not capital. XXXX XXXX recognized to have made that mistake and not follows my instructions. 

I have a financial loss to date of {$300000.00}. This is my request : UBS assumes that responsibility ; for not having covered these basic rules that are the most elemental for a broker. However, if the authorities confirm the UBS criminal actions, then, my claim would be for much more. 

UBS claims that this type of investment I made over several years. XXXX XXXX acknowledges that he has only who phoned to me for such investments XXXX, and never that I have asked them to him. Also, that it has not a high-risk prevention ; UBS recognized high-risk only after my complaint, never before. Even if I have made such investments before, always I felt they were under the protective mantle of respecting my profile moderate/conservative. In addition, they did not report losses that forced me as now to ask UBS response. 

If UBS does not assume such responsibilities, it is to break with the nature of a broker ; not respecting the most basic principles of investors. To accept that UBS can break the investor profiles, and moreover without their consent or warning, it means do not have any kind of investor protection. To accept that UBS can risk the assets of investors in XXXX instrument at high risk, and without any prevention, it is an extreme. If UBS does not respond and the authorities do not punish, it damages all the reliable broker environment and I ask the authorities protection and the laws that sanction this, or in the worst case, the specific laws that accepted those actions.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (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 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 ( 2 ) 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 each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2015-09-22
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: ACS Education Services (OH)

In XXXX, 2015, I called ACS, one of my private loan providers, ( note, this is not the original lender and it has been changed during the length of the loan a number of times without my consent ), to ask about options to help me while I am unemployed and without income. At this time, I received a letter which offered " the ML ( MGRS Plan ) where for 6 months your monthly payment on the private loans are reduced at XXXX % of level ( fixed ) installment followed by 6 months the monthly payment is at XXXX % of level installment followed by 12 months of interest only payments followed by level repayment for remaining term of the loans ( You must have at least 36 months of term remaining and a principal balance outstanding of {$10000.00} or more ). The request for this option is done verbally. " When I called to accept this offer on XXXX XXXX, 2015, I was told that this offer was not available to me because I had taken advantage of this in the past, time unknown, but that it was noted on my account and only available once during the loan term. Therefore, the offer was no longer valid. I asked about other options and was informed about forbearance, but this would require me to have a 1 % interest rate increase ( to an already variable interest rate ) for the 12 mos payments following the forbearance. Other than this, no options were available to help me. 
The man I spoke with was in XXXX and could not connect me to a supervisor, but he would have a supervisor call me within 48-72 hours, as is standard response time. 
I have XXXX accounts with ACS, have asked for a consolidation, and always have been denied the opportunity. I have asked for lower interest rates and have also been denied. The term of the loan is unclear and when I ask, am unable to get a clear answer. 
Between the XXXX accounts, the original loan amount was {$26000.00}. As of XXXX 2015, I have paid a total of {$11000.00} in interest and {$9300.00} in principal. I also have another private loan and government loan and in total pay $ XXXX/mo for student loans. I have never missed a payment. 
I am a XXXX, who has worked at XXXX until recently. I have tried to work with banks, Dept of Education, and other repayment companies to identify options, and feel no one is able to help me honestly understand the benefits and burdens of options nor the ramifications of decisions. I feel powerless despite my efforts, education, and patience. Is there anyone who can help? Thank you! I ca n't and wo n't pay these companies forever without some flexibility on their end.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (CA)

I have disputed this account several times. It keep coming back unchanged. This account was included in my bankruptcy filed on XX/XX/XXXX and DISCHARGED 0n XX/XX/XXXX. XXXX XXXX : XXXX. This creditor keeps reporting this account is a charge off and late on payment. If they keep reporting this way this account should be removed. or at least report the correct information. thank you
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Spring Oaks Capital, LLC (TX)

i gotten a loan from XXXX XXXX XXXX in XX/XX/XXXX, not knowing what was the interest rates laws in texas. i recently found out after spring oaks capital sent me a copy of the application ( bond ) stating that the APR was 30.5 % ( 13.5 % over Texas Usury law of 18 % .which is a violation of Texas State Laws on Usury Violations Texas Finance Code Chapter 305 Civil Penalties : If a creditor charges more than the allowable interest rate ( e.g., above the 18 % limit in the Texas Credit Letter ), the borrower can recover the greater of : Three times the amount of interest ( 13.5 % ) charged above the legal rate = 40.5 % {$2000.00} or 20 % of the principal amount, whichever is less Attorneys Fees : If the borrower successfully brings a case for usury, the lender may also be liable for reasonable attorneys fees ( Texas Finance Code 305.005 ).

Criminal Penalties ( Tex. Fin. Code 305.008 ) Usury is a misdemeanor in Texas. Each offense can result in : A fine of up to {$1000.00}.

In cases of willful or repeated violations, the lender may also face additional legal action or further penalties imposed by the Texas Office of Consumer Credit Commissioner ( OCCC ).

Lender 's Liability : If found guilty, all interest already paid by the borrower on the usurious loan must be forfeited or refunded. The loan agreement may be rendered partially or entirely unenforceable, depending on the severity of the violation Truth in Lending Act ( TILA ) 15 U.S.C. 1601 et seq.

The TILA mandates clear and accurate disclosure of all loan terms, including APR. A lender who fails to disclose the true APR or charges excessive interest could face : Civil penalties and liability for actual and statutory damages.

Borrowers can sue for twice the amount of finance charges ( {$910.00} ) in cases of non-compliance with TILA.

Consumer Financial Protection Bureau ( CFPB ) Oversight : The CFPB has the authority to investigate and bring enforcement actions against lenders who engage in unfair, deceptive, or abusive acts and practices ( UDAAP ), including the imposition of excessive interest rates.

A federal complaint can also be filed with the CFPB for improper or usurious lending practices. 
Racketeer Influenced and Corrupt Organizations ( RICO ) Act 18 U.S.C. 1961 et seq. : In extreme cases, if a lender engages in a pattern of usurious lending practices, the conduct may fall under RICO. This can expose the lender to civil lawsuits, fines, and criminal penalties.
Consumer complaint received 2023-04-20
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (TX)

I assisted to a Dillards store. The lady at the cashier offer me a Rewards card. I told her many times that I wasn't interested in a credit card, arguing that she was offering a rewards card and not a credit card. 
I told her maybe 3 times that I didn't want to apply to a credit card, because I recently got my SSN and I was starting to make credit history and I knew that it might affect my score. 
She insisted that she was not offering a credit card, so I finally agreed to apply for the " reward car '' that in theory would give me cash back or points as many stores do with XXXX cards. 
She intentionally cheated on her intentions and I unfortunately felt on it. Perhaps it was that Its not my native language.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BARCLAYS BANK DELAWARE (WI)

There was an account opened up in my name XXXX of XXXX that I wasnt aware of until I started getting collection notifications! This account is NOT mine! So, I took action and contacted the company numerous times and the representatives told me that I was a liar because they had my information. I requested to close the account because it wasnt mine and so they did a month or so later! I had and currently have FRAUD ALERT on my credit report for the past XXXX years because of this! I have disputed this account numerous times with XXXX, XXXX, & XXXX. With one of the many investigations it was DELETED on XX/XX/XXXX, the proof is in the paperwork! The company still denies it! I have also filed numerous complaints with the XXXX  as well. Barclays Bank is still declaring the account to be accurate and that it is correct which is NOT true!
Consumer complaint received 2016-04-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: ACS Education Services (MD)

I questioned them about a 60 day lateness on my credit report from XX/XX/XXXXand explained that I have been on XXXX XXXX since XX/XX/XXXX. So I was either in an XXXX status or XXXX XXXX status. They stated they were not showing a lateness in their records. They asked me to send over a copy of my credit report so they can have it removed. My first call was XXXX XXXX, XXXX and email. My next email was XXXX XXXX, XXXX. On XXXX XXXX they responded and requested another copy of my credit report. On XXXX XXXX XXXX I sent another copy of the credit report. I have not heard anything and the items are still showing on all XXXX credit reports. I would like for them to remove the derogatory items from my credit.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (AL)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2024-09-11
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. (TX)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2015-08-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Stellar Recovery, Inc. (SC)

Stellar Recovery, Inc. reported a collections account to the XXXX credit bureaus in XX/XX/XXXX, identifying XXXX as the original creditor. When I called Stellar for information on the debt, I was told it was a debt from XX/XX/XXXX in the amount of {$440.00} and previously had a high balance of {$520.00}. I then called XXXX and spoke to XXXX other people, XXXX claiming I owed {$27.00} and another claiming I owed {$720.00}. This is a debt from 5 years ago, and XXXX never contacted me saying that I owed anything! I ca n't verify if the debt is valid because the companies tell me different amounts. I was in the process of purchasing a house when this was reported on my credit and I lost the sale and the pre-approval from my lender. The collection agency is completely misrepresenting my current position as a borrower by reporting the debt as new in XX/XX/XXXX, yet saying telling me the account became delinquent in XX/XX/XXXX. To top it all off, my wife just had a false collections account reported by Stellar Recovery removed from her account. How can they be allowed to do this to people?
Consumer complaint received 2017-03-15
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (MD)

Unknowingly I attempted to consolidate the loan with my federal loans, this was not processed and I became past due two months assuming that the loan was consolidated with the other, when called to make the payment in addition to the back payments the loan company refused to accept the payment and demanded the full amount of the loan.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

This is the fourth time, I am writing to dispute several hard inquiries that appear on my Equifax credit report. One inquiry was removed, but 4 others were not. These inquiries are unverified, and I did not authorize any of them. As such, I request that they be removed from my credit report immediately, in accordance with my rights under the Fair Credit Reporting Act : 1. XXXX  XX/XX/XXXX 2. XXXX XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XX/XX/XXXX 4. XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2016-09-06
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (AZ)

Macy 's company has requested a bill that I pay a bill that XXXX collection agencies could not provide me a copy of the bill. After 3 months, I was provided with a copy of XXXX bills from 2015. Both clearly state that the bill was paid. Numerous calls, and a letter to the Macy 's dispute center was sent. No response. The amount of XXXX.was paid after being harassed by collection agencies and no proof of the bill had been shown to me. In good faith, I paid XXXX and refused to pay the interest of XXXX until the bill arrive. The bill clearly stated " Paid '' - If Macy 's bill says clearly paid and they can not provide any more information or respond to my letter. This alleged charge from Macy 's is impacting my credit score and inability to pay a lower rate at my prospective home purchase. Now I have XXXX bills, clearly stating " paid '' and made an additional payment of XXXX to a collection agency and no response from Macy 's on why I continue to be harassed and not refusing to show any evidence to prove that I have not paid. My FICA score is being impacted and need this matter resolved. Macy has shown poor ethical practices and power to shut a consumer 's ability to work this problem out and impact ability to purchase a home at a lower rate. This is intolerable and not what a retail store should have the power to do to consumers.
Consumer complaint received 2016-05-28
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (CA)

XXXX complaint, NO competent action taken from chase bank corporate lawyers. Chase is regulated to protect 2 months of my VA XXXX. Spelled out in countless laws. Especially XXXX XXXX. XXXX veteran XXXX protection act. XXXX NEW treasury dept rules, because of the cryptic loopholes created. No inconsistent state law preempts federal laws. NOT to obvious is it?! # Plus minnesota law does NOT garnish veteran benefits. Obvious exemption. The real issue is malicious lying welfare clerk XXXX trying to obscure and manipulate state and federal laws to cheat and harass me. THIS infamous deceit and collusion from XXXX XXXX minnesota is irrefutable, dates back to their reckless grossly inapt kangaroo hearing in XXXX. ALSO obvious these XXXX are required by state law to send chase bank a current court order that stipulates payments, AND spells out I NO longer owe any child support as of XXXX. CRYPTIC SEMANTIC DECEPTION, ACTIONABLE TORTS IS SUPPOSED TO BE REVIEWED BY SOMEONE COMPETENT AND QUALIFIED IN HARASSMENT LEVIES, INAPT GARNISHMENT ORDERS CONTRADICT STATE AND FEDERAL LAWS. To date some generic clerk from their presumed chase executive office calls me, gives me some sloppy excuse, their legal dept is looking into WHAT?! # Are they that stupid and ca n't see this is illegal and cryptic harassment?! # Bottom line is they are required to protect my [ 2 ] months of direct deposited VA XXXX. NOT blunder, and enrage me with incompetent stupidity. ANY phony obscured judgement requires scrutiny!!!!
Consumer complaint received 2023-04-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (WI)

PayPal refuses to give me my {$1000.00}. They have placed it on hold and have marked my account as risky without any evidence to suggest their claim. All of my customers received their items and as described ( all orders are tracked and were delivered ). I was able to receive my first payment of {$1300.00} but they refuse to give me my remaining held funds. I am told I have to wait 180 days and then will be given instructions on how to withdrawal or transfer my funds. They have permanent disabled my account. I need my money now, not 180 days from whenever they think I can have it. It is not their money, it is mine. They can not tell me when I can have my money. My buyer paid me {$2300.00} on XX/XX/2023. On XX/XX/2023 my deposit transfer of {$1300.00} was completed. My {$1000.00} is currently being held from me. I can not afford to have this withheld for 180 days. I have messaged PayPal daily demanding my money be released immediately.
Consumer complaint received 2015-11-12
Product: Credit card — 
Issue: Payoff process — 
Company: JPMORGAN CHASE & CO. (MN)

We paid off our monthly balance on our Southwest miles card from Chase and were still charged interest on the next month 's bill. I was informed this is because of a residual interest. Where if you carry a balance one month, you have to pay off at least two months in a row to not have interest. The part that bother 's me is that the statement says How to Avoid Interest " If you pay your account in full each billing period by the date and time due, no interest is charged on new purchases month to month. '' I found this very misleading. The Chase person said, yes, of course, it says " each '' which means " all '' or at a minimum two months in a row. This seemed crazy to me. So I think Chase should be required to say. How to avoid interest? Never carry a balance. If you do carry a balance for even one month, it will take you at least two months of fully paying off your bill before Chase will stop charging you interest.