davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-13
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: SOFI TECHNOLOGIES, INC. (FL)

Company discriminated against right to credits of business. Described reasons for denial was because amount was " too high ''. Used false public information and right to dispute the accuracy of credit report as reasons to deny credit in denial letter. Proof of discrimination and ETC violation within the SEC. 

Right of Trust to issue and request funds from depositor or issuing financial institution Commission pursuant to section 78u3 of this title, other than by committing a violation subject to a penalty pursuant to section 78u1 of this title, the Commission may bring an action in a United States district court to seek, and the court shall have jurisdiction to impose, upon a proper showing, a civil penalty to be paid by the person who committed such violation. 
( B ) Amount of penalty. 
( i ) First tier. The amount of the penalty shall be determined by the court in light of the facts and circumstances. For each violation, the amount of the penalty shall not exceed the greater of ( I ) {$5000.00} for a natural person or {$50000.00} for any other person, or ( II ) the gross amount of pecuniary gain to such defendant as a result of the violation. 
( ii ) Second tier. Notwithstanding clause ( i ), the amount of penalty for each such violation shall not exceed the greater of ( I ) {$50000.00} for a natural person or {$250000.00} for any other person, or ( II ) the gross amount of pecuniary gain to such defendant as a result of the violation, if the violation described in subparagraph ( A ) involved fraud, deceit, manipulation, or deliberate or reckless disregard of a regulatory requirement. 
( iii ) Third tier. Notwithstanding clauses ( i ) and ( ii ), the amount of penalty for each such violation shall not exceed the greater of ( I ) {$100000.00} for a natural person or {$500000.00} for any other person, or ( II ) the gross amount of pecuniary gain to such defendant as a result of the violation, if ( aa ) the violation described in subparagraph ( A ) involved fraud, deceit, manipulation, or deliberate or reckless disregard of a regulatory requirement ; and ( bb ) such violation directly or indirectly resulted in substantial losses or created a significant risk of substantial losses to other persons.

Equitable Relief.

Section 21 ( d ) ( 5 ) of the Exchange Act of 1934.

In any action or proceeding brought or instituted by the Commission under any provision of the securities laws, the Commission may seek, and any Federal court may grant, any equitable relief that may be appropriate or necessary for the benefit of investors.
Consumer complaint received 2018-06-13
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Lendmark Financial Services (AZ)

I have a loan with Lendmark Financial Services. For at least a year I have been asking for a monthly statement that shows current balance. Each time I am told the " process '' is under construction. 
I also expressed on serveal occasions my balance goes up and not down. 
They crafted some form of a statement that was very confusing. 



Is is not required to get a statement with due date, payment due, and current balance??? 
Are they not required to show current apr?
Consumer complaint received 2015-11-23
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Commonwealth Financial Systems, Inc. (MD)

Commonwealth Financial Systems, Inc on behalf of XXXX XXXX XXXX is trying to collect an invalid debt. They have been notified and a fraud affidavit provided, but still reported to credit bureaus. This account was removed from my credit reports after previous complaints about other debt collectors ( XXXX, XXXX XXXX ) hired by XXXX. They keep shifting to different collection firms.
Consumer complaint received 2020-06-28
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: P.S.C., Inc (WA)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2021-02-27
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (NV)

We had our Mortgage with XXXX XXXX and enjoyed visiting Branchs to make payments and ask questions. Then XXXX XXXX sold Mortgages to M & T Bank who has no branch ib our city. Whenever we call we are sent to different departments and after a half hour we are still without an answer. On XX/XX/XXXX of 2021 we mailed checks to three places. Two were cashed normally. M & T waited Util the end of XXXX and then assesed a late charge. I made a online payment of the XXXX payment and thje next day I did the same for the XXXX Payment. In the middle of XXXX, they found the XXXX check and tried to cash it Twice! I keep enough money in my account to cover bills so we got two {$35.00} doller fees for insufficient funds. I complained to M & T a week ago and I have had no response. I shopped for a good refinance deal and could not find one. M & T did send me a email that stated that the Post Office was slow due to the Pandemic. I believe that a bank should not be able to sell a mortgage without the mortgage holders permission. I also believe that M & T should lose their licence.
Consumer complaint received 2018-06-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (MI)

XX/XX/XXXX and XX/XX/XXXX andXX/XX/XXXX myacct was broken in to by a remote hacker and with draws from XXXX XXXX to Coinbase then transferred to another out side us company with out my athurization Then both XXXX XXXX and Coinbase have made me feel I didnt protect my accounts or phone and said to bad I want my money back and I want someone to help instead of blaming me or saying there is nothing they can do.
Consumer complaint received 2018-06-13
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSWORLD SYSTEMS INC (CA)

Today I received a call from Transworld, a company that collects debt for XXXX XXXX XXXX. I received that call at XXXX XXXX. Transworld admitted they pursue debts for XXXX and XXXX XXXX XXXX. They stated they could not take me to court but expected me to pay the debt. I told them the debt was discharged in bankruptcy court and was 13 years old. He continued to dispute the debt with me and I continued to say it was discharged in bankruptcy court. Transworld admitted they did not own the debt but were pursing it for XXXX XXXX XXXX.
Consumer complaint received 2018-02-16
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC (MI)

I have two collection notices from two different collection agency trying to collect the wrong amounts for XXXX XXXX. I attempted to cancelled the services with XXXX XXXX cause I switched carriers on XX/XX/2017. I went to XXXX. XXXX XXXX claim they couldn't cancel my account because XXXX was attempting to port my number and they can only suspend the account so I wouldn't get any additional charges. Well that didn't happen they continued to charge me when I was with XXXX and decided to use XXXX number instead of porting my number from XXXX XXXX. Now I have two different collection agency trying to collect for XXXX XXXX while this is in dispute.
Consumer complaint received 2024-05-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: DIGITAL FEDERAL CREDIT UNION (MA)

I have checking and saving with DCU I notice some transaction on my account that I did not authorized from XXXX XXXX that bank approve without notifing me about these large withdrals I did not that I had that money in the bank because I apporoved for a loan and I did not no I got the loan the money was take out with in a 2 month and did not know I had got loan until 2 year later when I saw it on the XXXX XXXX  statements The bank refuse to get the money back because said I lodge in to my account and I should have the transaction the bank call me when I spend a small money and lock my acount if I do not aswer them back If i new I had that money I would be aware of the missing money
Consumer complaint received 2020-07-14
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. (TX)

ftc violation XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX address is wrong XXXX  card services FTC violations
Consumer complaint received 2023-02-07
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

I was XXXX from XX/XX/XXXX to XX/XX/XXXX of the year XXXX Thats from the church it occurred to this card I know responsible for I was nowhere around. I have provided copy of police report and proof of XXXX
Consumer complaint received 2016-10-24
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NC)

I took out a second ( junior ) mortgage on my house with Beneficial Finance ( HFC, HSBC ) in XXXX. I have been paying religiously since then every month. I intend to pay of the balance when the closing of my current property occurs on XXXX/XXXX/XXXX. I called to get payoff balance and discovered there is {$2900.00} in deferred interest and {$27.00} in deferred late charges. I do n't recall ever being late on paying this loan - and I certainly never agreed to deferred interest. Can you help me fight this? I need to pay this loan off before my new mortgage will proceed and I am not paying something that an unscrupulous bank decides to charge me without my knowledge or consent. 
Thank you XXXX XXXX email : XXXXXXXXXXXX
Consumer complaint received 2018-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Commonwealth Financial Systems, Inc. (FL)

I frequently check XXXX XXXX and I know its not 100 % accurate but a few months ago I checked and some of my medical bills that I accrued when I was XXXX ( now XXXX ) fell off but one came back and twice! Its for {$550.00} each and it says it ( now they ) was ( were ) reopened. I have no idea why, as I have no idea on how to even contact them. Ive moved to 2 different states by now, but thats crazy its reopened and the same amount TWICE. Its hurting my credit and Id really like to buy a house soon. Please help! : (
Consumer complaint received 2020-07-14
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. (AR)

I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that I needed to act. I pulled my credit report and there are many fraudulent accounts that do that belong to me. Please remove these fraudulent accounts from my report. XXXX   XXXX {$17000.00}
Consumer complaint received 2020-07-14
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. (AR)

I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that I needed to act. I pulled my credit report and there are many fraudulent accounts that do that belong to me. Please remove these fraudulent accounts from my report. XXXX   XXXX {$17000.00}
Consumer complaint received 2020-07-14
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. (AR)

I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that I needed to act. I pulled my credit report and there are many fraudulent accounts that do that belong to me. Please remove these fraudulent accounts from my report.
Consumer complaint received 2021-02-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (MA)

Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.
Consumer complaint received 2020-07-14
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: EQUIFAX, INC. (AR)

I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that I needed to act. I pulled my credit report and there are many fraudulent accounts that do that belong to me. Please remove these fraudulent accounts from my report. XXXX   XXXX {$17000.00}
Consumer complaint received 2018-06-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (VA)

Good day, I've reached out to Navient on different occasions on subsidizing my loans to something that is reasonable and I always back track them on my paperwork. They never receive it and its a constant battle to fix these issue. Every time I fill out the paperwork I get the same outcome.They have placed a large amount of interest on my payment for no reason and they keep placing me into forbearance each time that I tell them not to. I am becoming very upset and tired of constantly monitoring their decision making, this has become a full time job and becoming a hassle to keep up with how much they keep tagging on. I don't mind paying back the loan but please be clear about what I am paying and stop placing me into forbearance so more interest can be tact on my loan. I feel like I have an extra job
Consumer complaint received 2020-07-14
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. (AR)

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report. XXXX XXXX {$18000.00} XXXX XXXX {$6800.00} CHAPTER XXXX BANKRUPTY DISMISSED XXXX CHAPTER XXXX BANKRUPTCY DISMISSED XXXX
Consumer complaint received 2018-06-12
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

In XX/XX/2018 my ex-wife was scammed by an individual who deposited fraudulent cashiers checks to her accounts. One of these account was our only remaining joint account, our 18 month old daughter 's youth savings account. USAA wrongfully took funds from my savings and checking totalling {$3600.00} and applied these to my ex-wife 's defrauded accounts as a " right to offset ''. Upon further investigation and over 4 hours of total phone time between my ex-wife and myself, USAA admitted to their error and promised the funds applied to my ex-wife 's account would be put back in my accounts. It has been a week now and three phone calls later and I have yet to receive an update or response to this.
Consumer complaint received 2020-04-20
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. (FL)

Hello : I have contacted XXXX  Credit bureau regarding Identity theft in my account and have subsequently asked to remove all accounts that were not mine as well and any and all address that did not belong to me and provided them with a policy report and my current IDs to support my request. It took several letters to get some of the information removed but they have yet to update 1 account and have not removed the various variations of my name and various incorrect addresses that do not belong to me but that show up on my credit file. I have expressed to them that all this confusing information is probably what exposed my account to the risks of Identity theft to begin with. To date, i am still exchanging letters with them on the matter and they are still not budging. Can you help me ot get their attention to this very critical matter which is severely affecting me at this time? Can you help me remove all names and addresses that do not belong to me and this acct XXXX XXXX that they keep " updating ' with the same information which i dont know where they are getting it from since its in another country altogether? I have even been told that I have an email associated to my account that has nothing to do with me, probably residuals from the fraud which happened.
Consumer complaint received 2023-02-07
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: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (AZ)

My reports from XXXX and XXXX both show an account, COMMUNITY LOAN SERVICING, showing negative payments for a time period that they did not own, nor service the debt. COMMUNITY LOAN SERVICING, only should be reporting XX/XX/XXXX through XX/XX/XXXX. These negative payments are now showing twice, one from COMMUNITY LOAN SERVICING, and again from the prior creditor. Also, I paid on time in XX/XX/XXXX, yet COMMUNITY LOAN SERVICING is not reporting it. I have contacted XXXX, XXXX and COMMUNITY LOAN SERVICING each several times to resolve this. XXXX, however, removed the COMMUNITY LOAN SERVICING from my credit report after their investigation.
Consumer complaint received 2020-07-14
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. (AR)

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report. XXXX XXXX {$18000.00} XXXX XXXX {$6800.00} CHAPTER XXXX BANKRUPTY DISMISSED XXXX CHAPTER XXXX BANKRUPTCY DISMISSED XXXX
Consumer complaint received 2018-06-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (MA)

I contacted XXXX XXXX/XXXX XXXX XXXX  to have the cosignor released from my loan. They said after 36 consecutive payments that I could do this. I filled out the form and sent it back. I received an email stating it was denied due to I didn't make 36 consecutive payments. I emailed them Back and they said they made a mistake. Then they told me I had to resubmit a release form again as I forgot to check off that I am a us citizen which I told them I was. I thought that being denied for only that reason and they were wrong that they can't deny me for any other reason. I feel like they are just giving me the run around. Please let me know if they are wrong in making me reapply for the cosignor release?

Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MA XXXX XXXX
Consumer complaint received 2020-07-14
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. (LA)

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report.
Consumer complaint received 2020-07-14
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. (LA)

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report.