davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Bliksum, LLC (SC)

I need extra money and my credit scores wasn't that great. I went online and found this loan company XXXX. It was the biggest mistake that I have ever made. I took out the loan in XX/XX/XXXX. It was for {$3100.00}. My payments started out at {$360.00} a month. Then I could no longer afford that amount so I started paying {$270.00}, As of today, XX/XX/XXXX, after two years, the principal on this loan is {$2500.00}. I called to get a pay off amount today for Monday and I was told that the pay off would be {$2800.00}. I asked them how could this be. I did not understand anything the guy said. I told him that this has to be unethical and illegal and hung up. I do not understand how could have a loan that I got in XX/XX/XXXX for {$3100.00} would have a payoff of {$2800.00} in XX/XX/XXXX when I have been making payments of originally {$360.00} and now {$270.00}. I know that I should never use companies like this but this has to be illegal. The way they are doing this loan, it would take forever to pay off. Also, after 2 years only XXXX has gone to the principal. Also, how could the principal balance be {$2500.00} and the pay off would be {$2800.00}? This makes no sense and I could not understand all the fees and interest charges that the person was alluding to. I also did not know that the loan does not have a term. I thought it two years it would be paid off. 

I did not understand these terms an never would have signed up to something like this. I was just in a car accident and needed money to pay bills. My credit score is fair now that i can actually get a loan at a bank. I wanted to try to get money to pay this off but do not want to pay what this is showing. It is not right.
Consumer complaint received 2018-11-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (CA)

Thank you very much for your response. First of all, XXXX XXXX where I purchased the XXXX XXXX already called me on Sunday ( XX/XX/2018 ) and informed me that they had already sent the check amounting to {$2400.00} to Santander. However, Santander bank claims that they have not yet received this {$2400.00} dollar amount refunded and which should be deducted from my principal amount. Please can you find out who among these, either XXXX XXXX or Santander Bank is telling the truth about my {$2400.00} before the money disappears again? 
Secondly, the Santander Bank still does not clarify/verify the exact amount of Principal ( money ) I will owe them after this fraudulent warranty that was even voided before it could take effect amounting to ( {$2400.00} ) is returned and is deducted from my principal amount. Although Santander agrees to deduct this amount of {$2400.00} from my Principal amount of purchase of this XXXX XXXX. In the response letter from Santander Bank ; Santander bank explains that I am expected to pay the same amount of money ( {$470.00} per-month for this car loan ) over the next 60 months as was previously signed. This can not be the case because after the principal amount has been reduced, I can not still pay the same earlier bill for this car. And as per the laws in California, loans are charged with simple interest. Please can you prevail on Santander bank to ensure that they do trustworthy and fair business and that I am not illegally billed unfairly even after this illegally warranty by XXXX XXXX is refunded ( which XXXX XXXX claims to have already sent the check to Santander but Santander says they have NOT yet received the check of {$2400.00} ).  Thank you
Consumer complaint received 2018-11-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BB&T CORPORATION (NC)

BB & T Mortgage does not immediately credit proceeds received as principal pay downs or partial payments. Instead, the company sits on payments until the final monthly payment is received and then credits the account. This eliminates the advantages of paying bi-monthly or bi-weekly to decrease the interest paid over the lifetime of a mortgage. The public knows these payment options to be advantageous on any loan that is accruing interest daily. Placing pre-payments in a non-interest bearing state while daily amassing interest on the same sum is disingenuous and deceitful. 
The practice has no doubt costs consumers millions over time!!! 
Intra-month payments should be applied to accumulated interest and partial principal ; thus altering the relevant amortization schedule for the rest of the loan. 

It is extreme, but large lump sum payments towards a mortgage ( non-payoff ) can sit for more than a year and applied according to the original amortization schedule. Reaping the client no advantages while the bank as free access to the pre-paid funds.
Consumer complaint received 2018-11-10
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. (FL)

I received a copy of my credit report from transunion dated XX/XX/2018. Upon Review of my report, I saw that Transunion is reporting an account listed as Florida XXXX XXXX XXXX, account # XXXX, with inaccurate, incorrect information. The account is being reported as open, when it is not, the account is closed, the date closed is incorrect, the date of last payment is incorrect and this account is being reported from XXXX as a collection account when this account was paid on time and never a collection account. I had the same problem with XXXX and they removed it out of my report on XX/XX/2018. They are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine is correct. I have the legal right under the FCRA to demand that all the information reported by this agency be verified as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore I demand a method of verification as required under Section 611 ( a ) ( 7 ). Under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified.
Consumer complaint received 2018-11-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (RI)

First, I apologize this may not be the correct place to ask this question, but we can not find the answer anywhere.

Several weeks ago our customers ' purchases starting getting declined by one credit card company, Capital One. After several days we realized this and suggested the customer 's call Capital One for additional information. However many call us back saying the Capital One call center agent told them they are not blocking the purchase.

One customer conferenced in Capital One while on the phone with us and a manager was brought to the phone. She did verify that they no longer allow the card to be used to purchase our product - we are a XXXX XXXX - although we are selling a legal product.

Of course we realize Capital One has the right to bar purchases but aren't they required to educate their staff about changes and inform the customer?
Consumer complaint received 2022-06-18
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: EQUIFAX, INC. (CA)

in accordance with the fair credit reporting act i believe XXXX bank account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666b : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.
Consumer complaint received 2018-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

This is in reference to XXXX on XX/XX/2018 i paid the account in full XXXX they took a debt card payment and informed me that once the payment clear that it would be removed from my account well payment cleared in a matter of minutes i did debt and its still on my account as a matter of fact i got an alert from the credit bureau saying the account went from derogatory status to current on XX/XX/2018 and the very next day XX/XX/2018 i get another alert saying XXXX changed it from current to a charge off and saying i still owe them the payment wich is incorrect they lied i tried to get the Credit Agency to file a fraud claim against XXXX because they are clearly lieing the person i spoke with name XXXX from the financial department told me soon as the payment clear they would send notifications to the credit bureau to have it removed well they didn't i paid them they lied and they changed the status they are hurting my credit status im trying to get a house and also i have documents to show my account been paid thank you
Consumer complaint received 2022-06-18
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. (CA)

in accordance with the fair credit reporting act i believe XXXX bank account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666b : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-06-18
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: EQUIFAX, INC. (WI)

In accordance with the Fair Reporting Act XX/XX/XXXX acct 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 an account without my written instructions.
Consumer complaint received 2018-05-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (CA)

My entire correspondence with Citibank is contained in the six PDF files enclosed. This concerns the Citibank 2% cash back card. Providing no reason or justification Citibank terminated my account which is never suffered a penalty and been in effect for over 10 years. They refuse to provide the 2% cash back which I have earned too many months of usage of their card. Please read the enclosed
Consumer complaint received 2017-11-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. ()

I tried to withdrew funds from Coinbase Inc [ US ] on the XX/XX/XXXX from my bitcoin wallet to my bank account. According to their website the transaction has completed. 

However no funds have arrived in my bank account. I have previously successfully withdrew funds to the same bank account. 

Sum involved is XXXX Euros. 

I contacted customer support on the XX/XX/XXXX and got the following reply : Coinbase | XX/XX/XXXX XXXX PDT Thank you for submitting your request. Due to increased volume it may take several days to receive a response. 

I asked for an update on XX/XX/XXXX and got this reply : XXXX replied : Hi there, Thanks for reaching out. Having investigated the issue, I am working with a specialist to address it properly. We will follow-up with you as soon as we have an update. 

Thank you for your patience. 

I have made 2 further attempts to contact Coinbase to get a further update and a resolution to this issue but have been unable to get a response back from them.
Consumer complaint received 2022-03-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (OH)

Someone took money out of my account and stole my money. I didn't authorize these transactions and someone took my wallet and money and stole my monies without my permission. I had to replace my driver 's license and social security card and also I seen transactions in New York and I wasn't there.
Consumer complaint received 2018-11-08
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: AMERICAN HONDA FINANCE CORP (VA)

The problem : In XX/XX/2018, we returned a car that we had leased. The leasing company is billing us for the property tax on the car for the entire 2018 year. When asked why not just bill us for the 4 months i.e., XXXX, and not for the whole year, the response was that the state had billed the company for the full year ( probably in XX/XX/2018 ) and so this was the company policy. The leasing company states that they have applied to the State for a refund ( after we questioned the bill ) but that we have to pay in any case and they will send us the credit when it arrives. The Leasing Company : XXXX XXXX XXXX The State : Virginia The amount : {$380.00}
Consumer complaint received 2018-11-08
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. (TN)

2 accounts on my credit are more than 10 years old ... .i have filed 3 disputes with equifax and they have done nothing ... .disputes were wrapped up quickly leading me to believe that they didnt even contact the credit union ... timeline is way to short for them to have investigated this ... ... accounts ( charge offs ) shouldnt be on credit after 7 years and at the most 10 years ... both of these accounts are 10 years old and i have requested 3 times that they be removed ... ... .both to XXXXXXXX XXXX XXXX
Consumer complaint received 2023-03-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance to the fair credit reporting act .the list of accounts below has violated my federal protected consumer rights to privacy and confidential under 15 USC 1681 XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have rights to privacy 15 U.S.C 1681 section 604 A section 2 : also sticks, a consumer reporting agency can not furnace an account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ) section states : no, consumer reporting agency may make any consumer reports containing any of the following items of information and other adverse item of information, other than records of convictions of crime which antedate the report by more then seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2022-07-26
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: LAKEVIEW LOAN SERVICING, LLC (CA)

This is a complaint against XXXX, acting on behalf of Lakeview Loan Servicing. I made extra principal payments on my mortgage on three occasions in XXXX : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They applied part of the amount each time as regular mortgage payments, with a portion going to interest instead of all of the payments going to principal. 

I called them on XX/XX/XXXX to have them apply the amounts to principal only. They said they would and I got off the phone with them. A day or two later, I had an alert on my bank 's credit monitoring that my credit score had dropped. XXXX had reverted XXXX months of payments, XXXX through XXXX. They did not refund the payments, but told me they had put the amount ( {$21000.00} + {$8100.00} + {$97.00}, totaling {$29000.00} ) into a special holding account. My credit score went from XXXX to XXXX. They never told me they would do that and obviously that is not something I would authorize. They never called me to tell me, I had to call them to fix it. 

After over an hour on the phone with them and talking to two different representatives including their " fixer '' from a completely different department, they re-applied the payments from the holding account to my mortgage account. But they did not correct the credit reporting. I paid off the mortgage loan completely ( payoff amount {$32000.00} ), because of this inexcusable and outrageous treatment. They reported the account as current after fixing the problem, and my report shows that the loan is paid off, but they should have issued a correction instead of reporting the account as current.
Consumer complaint received 2022-06-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

In accordance with the Fair Reporting Act XX/XX/XXXX acct 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 an account without my written instructions.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

m not liable for this debt with XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). I do not have a contract with XXXX card, XXXX. XXXX, XXXX, and XXXX. They did not provide me the original contract as requested. There needs to. be a correction to my credit report. I demand that this item be removed immediately. 

ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( XXXX ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT XXXX  XXXX data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not.

I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting.Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, XXXX XXXX compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate deletion, do so now and here!
Consumer complaint received 2023-03-21
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. (IL)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX  XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-11-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

To whom it may concern, My secondary mortgage was recently transferred to Shellpoint Mortgage. 

It transferred over on XX/XX/2018 I was supposed to be able to start making payments to you starting XX/XX/2018. It is now XX/XX/2018 and you have even failed to provide me with something as simple as an account number. I dont know what it is the hold up but I need to know ASAP as I am in the middle of a refinance with another bank. 

You either own my secondary loan or you dont please let me know.
Consumer complaint received 2018-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

the following inquiries and dates are unauthorized and I don't recognize where they came from : XXXX/XXXX XX/XX/XXXX XX/XX/XXXX All Banks - non specific XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX   XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance Companies - non specific XXXX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX Sales Financing Company XXXX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX/XXXX XX/XX/XXXX XX/XX/XXXX All Banks - non specific