davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I have sent XXXX XXXX numerous letters to get my personal information correct ... They will correct it and then place the information BACK on my credit report. 

I am demanding to have my work information removed from from my XXXX XXXX credit report ( all 3 bureau reports )
Consumer complaint received 2021-10-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: MUFG AMERICAS HOLDINGS CORPORATION (CA)

My bank Union Bank, charges a {$10.00} fee monthly fee if account falls below a certain amount. You can avoid that fee if you combine your accounts and they meet certain requirements. I combined my two checking accounts XXXX, account assessed, and XXXX. Usually their totals avoid the charge. Some times the totals don't, but another exception is if combined accounts have direct deposits of {$500.00} or more. My Social security is direct deposited monthly to account XXXX and it is over {$2000.00}. When I raised this with Union bank they credited my account for one fee ( thus admitting their error ), but would not for a XXXX charged fee. Basically it admits it was wrong, but will not go back 4 months to correct their illegal charge. {$10.00} is not going to kill me, but what concerns me is XXXX is probably ignoring this exceptions on other customers combined accounts as well and thus making $ XXXX of dollars every month in fees improperly assessed. They need to be called on their illegal game and I would also like my {$10.00} back. I'll drink to your health with it. 







XXXX
Consumer complaint received 2021-03-12
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: Experian Information Solutions Inc. (MA)

I disputed the 2 accounts listed on my credit report which were " verified by the credit bureaus. 

Both accounts are with XXXX XXXX. 

Both accounts are reporting as charge off and reporting a past due balance/balance of the following : one account {$2000.00} and {$950.00} Letter of validation was sent to XXXX XXXX. Although they responded, they failed respond to the actual request for validation. They only verified the account listed. 


Per my request " Your failure to satisfy this request within the requirements stated in the Fair Debt Collection Practices Act will be construed as your absolute waiver of any and all claims against me, and your tacit agreement to compensate me for costs and attorney fees. 

A credit diclosure statment was requested to be filled out and returned. Failure to return would result in the following : Upon failure or refusal of collector to validate this collection action, collector agrees to waive all claims against the debtor named herein and pay debtor for all costs and attorney fees involved in defending this collection action. 

Original request is attached as well as their response.
Consumer complaint received 2024-02-27
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)

In accordance with the FCRA, the following accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts must be removed immediately, ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681Section 602 ( a ), states I have the right to privacy, 15 USC 1681, Section 604 A2, also states that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681 c ( a ) ( 5 ) Section States, no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years. Lastly, 15 USC 1681 s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is in accurate. I'm requesting that the accounts above be deleted immediately.
Consumer complaint received 2021-10-11
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: AFNI INC. (IL)

I AM ( XXXX XXXX ) AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # XXXX : ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. Afni, Inc violated 15 usc 1602 ( l ), 15 usc 1692j ( a ), 15 usc 6801 ( a ) ( 1 ), 18 U.S. Code 8
Consumer complaint received 2021-10-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/XXXX we obtained credit from Wells Fargo ( classified as XXXX XXXX - issued through our HVAC vendor ) to cover the expenses of a major purchase in the amount of approximately {$9900.00}. For this loan we were given a special interest rate of 9.9 % APR. Most months we paid slightly more than the minimum payment ( minimum payment was {$180.00}, we payed {$200.00} per month ). 

We have not made any other charges to the credit card until XX/XX/XXXX, when we experienced another need for expensive repairs. Since we were using the same vendor we asked if we could charge the cost against the same card and asked if Wells Fargo was offering any special finance terms. The woman in the finance office contacted Wells Fargo and we learned that there was a special finance offer of 0.0 % for 18 months. We elected to take advantage of this offer. 

When the new charge appeared on our credit card statement I increased the amount of our payment to $ XXXX/Month. On my XX/XX/XXXX statement I noticed that the loan amount of the no interest loan was not decreasing enough on monthly basis for the loan to be paid off in 18 months ( the balance on the no interest load was decreasing each month {$57.00} ). So for the XXXX payment I increased the amount to {$290.00}. When I received my statement for the following month, the amount applied to the no interest balance was still only {$57.00} ). 

I called Wells Fargo to ask what I need to do to reduce the balance on a monthly basis in order to pay it off at the end of the special rate period. I was told that there was nothing that I could do, that the way they apply payments is to apply first to the balance against which interest is charged, then once that balance is paid in full the payments will be applied to the no interest portion of credit card balance. Either what she told me is not entirely true, or I misunderstood what she said, since they are applying {$57.00} against the no interest balance each month. If the monthly payment was being applied against the outstanding balance with interest then the no interest balance would not being reduced at all. 

The no interest balance has a APR of 28.99 % and this interest is being deferred, and if I do not pay off this balance within the allotted timeframe then I will be charged the entire deferred interest charge, which will be slightly less than the original loan amount. 

The way Wells Fargo is applying the monthly payments makes it impossible for me to pay the no interest loan prior to special terms end date. This practice seems deceptive and predatory, especially given the fact that I made an effort to arrange to direct my payments to pay off this balance within the agreed timeframe.
Consumer complaint received 2021-10-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. ()

I Have an account in Coinbase with XXXX XXXX XXXX. Since 2 months I cant sell, transfer or buy cripto currencies because the account is under revision. I Have tried to speak with coinbase and its impossible, no answer. Calls, email... but no solutions. 

I would like to send my cripto currency. 

Thanks
Consumer complaint received 2021-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (TN)

I paid my account with Nordstroms off and it was closed per my request, XXXX is reporting a charge-off which is incorrect! Ive disputed the account and its been corrected on Nordstoms end but XXXX is not Displaying it correctly.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CURO Intermediate Holdings (TN)

I borrowed {$500.00} from First Heritage Credit. I previously borrowed {$6000.00} from First Heritage Credit on XX/XX/2021. I paid both of these loans in full at the same time, same day. I understood that my payments due were XXXX as of that date. At this time, they were in the process of changing computer applications, and I believe incongruencies occurred at that time. Hopefully, data was not lost as I suspect it was. Several months later I received a bill from them for {$260.00}. They are continuing to charge me for an account which I previously paid in full. First Heritage has made an error in their record keeping. I discussed this matter with XXXX at the XXXX, TN, office and clearly stated that I was not responsible for this money as it was their error. I am unable to access my account information, such as my account number to provide documentation to confirm that this account was paid. As I believed my business with First Heritage was closed, unfortunately, I threw papers away. Either they are incompetent or dishonest. I am prepared to take further measures if they can not resolve this matter.
Consumer complaint received 2022-11-01
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. (IN)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-10-10
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. (PA)

I XXXX XXXX a Consumer sent Trans Union an official authorized affidavit in the form of an Identity Theft Report from the federal trade commission. Trans Union still has failed to follow procedures they did not block the information they were supposed to for there mismanaged procedures. They are not in compliance with the Federal law and continue to violate my rights. I continue to suffer from thier negligence and failure to comply with the law.
Consumer complaint received 2021-10-09
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. (AL)

On XX/XX/2021 I sent a letter to the credit bureau regarding inaccurate & unknown items on my credit report. Until this day ( 42 days ) later, I have not gotten any reply from the credit bureau regarding my dispute. Section 611 ( a ) states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been 42 days so they should be deleted promptly. I demand that these items be deleted immediately or i will file litigation due to stress, frustration & denial of credit due to these inaccurate items on my credit report. My personal information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I Disputed 6 late payments entries with all 3 credit bureaus XXXX, equifax and XXXX for XXXX XXXX XXXX after they failed to update my credit file. I had 6 late payments with XXXX XXXX XXXX due to losing my job during the pandemic. I reached out to XXXX XXXX XXXX and the XXXX XXXX XXXX and XXXX XXXX XXXX agreed to mark 5 of the 6 late payments to neutral for the 5 late payments for XXXX, XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX. The changes reflected in XX/XX/XXXX. On XX/XX/XXXX when I checked my credit it showed I had 19 late payments which is completely incorrect. This incorrect information dropped my credit score by 100 points.
Consumer complaint received 2021-10-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

called Capital One with a conference call including CompleteID representative. 
Was able to convince Capital One To Close Fraudulent Account, But Master Card subsequently issued a Capital One MasterCard Debit Card. Master Card Claims they can only deal with Fraudulent accounts when their Security Department is open for business. and have done nothing to remove the Fraudulent Master Card Account. 
Also XXXX has sent me a text thanking me for checking out with XXXX, I do not have an account With XXXX, nor Capital One Nor Master Card, all Three are fraudulent. 
XXXX is Phishing for my Email or Telephone Number and sign up as a condition of contacting them through their resolution website. I do not want to give my Number or email and create an account with XXXX.
Consumer complaint received 2021-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I Disputed 6 late payments entries with all 3 credit bureaus transunion, XXXX and XXXX for XXXX XXXX XXXX after they failed to update my credit file. I had 6 late payments with XXXX XXXX XXXX due to losing my job during the pandemic. I reached out to XXXX XXXX XXXX and the XXXX XXXX XXXX and XXXX XXXX XXXX agreed to mark 5 of the 6 late payments to neutral for the 5 late payments for XXXX, XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX. The changes reflected in XX/XX/XXXX. On XX/XX/XXXX when I checked my credit it showed I had 19 late payments which is completely incorrect. This incorrect information dropped my credit score by 100 points.
Consumer complaint received 2021-10-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIRST NATIONAL BANK OF OMAHA (IL)

First National Bank of Omaha ( FNBO ) advertised a {$50.00} bonus within 15 days of opening a checking account. I have not received the bonus, 6 weeks after opening an account. In response to my questions about the delay, the bank has only said they are researching the matter.
Consumer complaint received 2021-10-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I applied for a refinance of my mortgage with Bank of America on XX/XX/2021. As of XX/XX/2021, more than 60 days have passed since my application date and they have not issued me a credit decision yet. After they charged me {$1200.00} for a credit report fee and appraisal fee ( which seems suspiciously high ), they are unable to deliver me a credit decision to know where I stand with them. I have emailed two of their managers - XXXX XXXX and XXXX XXXX ; they have both been unresponsive to my inquiry and status of my loan. This is a clear RESPA and Equal Credit Opportunity Act violation. 

I am providing you with copies of my initial disclosures to document the application date and provide you with the loan number to reference.
Consumer complaint received 2021-10-10
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Company was notified with notarized documents pertaining to the information that is was incorrect and to be removed under 15 usc 1692b ( 3 ) The term creditor is defined under 15 usc 1692a as any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another.

Defamation is defined under 28 U.S. Code 4101 ( 1 ) : The term defamation means any action or other proceeding for defamation, libel, slander, or similar claim alleging that forms of speech are false, have caused damage to reputation or emotional distress, have presented any person in a false light, or have resulted in criticism, dishonor, or condemnation of any person.

15 U.S. Code 1692d ( 1 ) : A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.

XXXX XXXX received an affidavit and is in default of charges as they have failed to rebut the affidavit line by line as required by law.

The third maxim of Commercial Law states in commerce, truth is sovereign.

The fourth maxim of Commercial Law states truth is expressed in the form of an affidavit The fifth maxim of Commercial Law states that an unrebutted affidavit stands as truth The sixth maxim of Commercial Law states that an unrebutted affidavit becomes judgment in commerce.

The tenth maxim of Commercial Law states that a lien or claim can be satisfied only through ( a ) rebuttal by counteraffidavit point by point ; ( b ) resolution by a jury; or ( c ) payment or performance of the claim.

XXXX  XXXX  has failed to meet the requirements to a legal claim of a debt owed as well as to rebut the affidavit.
Consumer complaint received 2021-10-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. ()

On XX/XX/2021 I made a purchase of XXXX dollars in virtual currency XXXX  using the XXXX application, cod. XXXX, Amount XXXX XXXX, Commission XXXX, account XXXX, which hours later XXXX canceled, not knowing the reason. The next day, I needed to repeat the purchase operation, buying the {$170.00} again, and this operation had no problems. 
The problem was registered when the XXXX  card that is linked for the charge in my XXXX account, reported the charge of both purchases without having been canceled or reversed to the card the amount of the first purchase that XXXX  canceled. 
I made several reports of the problem using the pre-made forms from the same application, without result. 
Subsequently, the first week of XXXX, I made use of the contact through the telephone that XXXX informs XXXX ( XXXX ) XXXX giving an account of the situation and delivering the required information, informing me that the amount would be restored within the next XXXX XXXX  days later, but to date it has not been made effective.
Consumer complaint received 2021-03-12
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: GVA Holdings, LLC (OK)

Was approved for a {$300.00} loan And since XXXX 2020 I have been charged {$80.00} every two weeks I have since then paid {$1000.00} to this company I have documentation showing how one week it will say a certain amount and will go up {$20.00} {$40.00} and they say that I still Im not close to paying off the loan I refuse to keep paying this company it is unfair to be charge like this after I feel like I have paid the principal for this loan well over the amount
Consumer complaint received 2021-10-09
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (TX)

Ocwen got hit with unlawfully Sterling home in Texas so they bought Phh mortgage service and now me and my family have been fighting foreclosure for 8 Long years there accounting is wrong on my mortgage I am a XXXX Amerikaners War Vet long story
Consumer complaint received 2021-10-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (CA)

In XX/XX/2021, I applied for an XXXX credit card because they were offering a promotion. I filled out the application and submitted it but never got a response of any kind from them. They never told me I was denied or anything. Nothing. All that happened was the inquiry appeared on my credit report and dropped my score. That doesn't seem fair at all especially considering I already have a credit account through the same company.