davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-29
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (CA)

mother deceased and someone received acess to her time deposit certificate that has no business and does not even know my mother i the executor and it was transfer from a bank in another county and then into his account and XXXX XXXX XXXX XXXX and then transfer to us bank on mom last statments there was around {$45000.00} and at the time of transfer it was done with a XXXX XXXX forged bankruptcy by XXXX XXXX XXXX who is the investgator for this area and it a been proven that he had us bank on a penal code 1155.200 2 % of my deposit in my own account with the wording of unavailabl ; e funds and i never saw them back into my account when i ask no one told me about this next incumbent b.s. the rules that i received say its for homeless people i thought you would be interested in these rules i will forwad them to you and fraudlant charges that the fraud dept credited and us bankl did not credit account they closed this account i have been very patient and i did not want to do this but i have no choice..

p.s social secuiry given to a unknown person as a domestic partnerwhich is social secuirty and the va also gave gi money that was my fathers and he is deceased.

respectfully XXXX XXXX
Consumer complaint received 2018-12-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ASG Solutions LLC (OH)

You, AGS Solutions, Inc must be a Third Party Debt Collector and I do not give you permission to interfere into My Commercial affairs. If you are assuming that you are representing Me, you are Hereby Fired and your Power of Attorney is Hereby Revoked. 
As proof of claim, complete the attached CREDITOR DISCLOSURE STATEMENT and return within 15 days. 
Failure to respond with the completed CREDITOR DISCLOSURE STATEMENT, thereby providing your verified Proof of Claim, signed under the Penalties of Perjury and verified by your affidavit, you, AGS Solutions, Inc are agreeing to your Commercial Dishonor, exhausting My Administrative Remedies. I will accept your Silence as an Acceptance, and your agreement that a Default be entered against you. You will also agree to a Full Tacit Contractual Agreement being a participant in Fraud and to forfeit all remedies under Administrative Law, Judicial Law, and / or MARITIME CLAIM RULES C ( 6 ). 
You should also be aware that sending unsubstantiated demands for payment through the United States Mail System might constitute mail fraud under federal and state law Your failure to satisfy this request within the requirements of 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. This is my notice to AGS Solutions , Inc to Cease and Desist 15 USC 1692c 805.  Communication in connection with debt collection. I have no paperwork or contract for business with AGS Solutions.
Consumer complaint received 2017-02-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc. (PA)

My mortgage was sold to Seterus. I was late with my payment XXXXfor XXXX XXXX,2016. After that, they mailed my payments back and told me not to send them unless it was the full payment which included tons of fees. Now they say they do n't have my modification papers even tough I sent them everything. Today they will auction my home unless I pay them {$30000.00} this morning. I will be homeless after this and be out all te money I have put into our family home.
Consumer complaint received 2022-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

This is my 3rd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

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 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
Consumer complaint received 2021-03-04
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Santander Consumer USA Holdings Inc. (NJ)

I ask that you please give me the chance to provide documentation to verify my statements to follow. This is probably a long shot ... I recently discovered the Reaffirmation Agreement Santander Bank Lawyers & I negotiated prior to my Bankruptcy Discharge in XXXX added an additional 2 yrs. to my Chrysler Capital car loan. My car payments have always been paid on time, even w/challenges encountered to pay {$490.00} mo. payment w/o access prior to discharge. Santander & I clearly discussed following terms : To lower my interest rate from 10.9 % to 7 % & recalculate payment to reflect 7 %. Since new payment of {$390.00} was over {$100.00} less than original loan, I trusted & understood loan was recalculated at 7 %. Instead, Santander created the Agreement w/intent to cause me financial harm & their company gain from my losses. Loan supposed to end XXXX XXXX along w/GAP Insurance. However, the purposeful intent to create this legal document ( Agreement ) & intentionally OMIT the loan extension of an additional 2 yrs., I will be w/o GAP Insurance & literally pay an additional {$9400.00} plus on top of the initial loan cost of over {$26000.00}! I now expect to be in serious financial distress as a result of Santander gaining my trust & never to expected they would cause me such harm for monetary gain for their company. My plan was to retire 6 mo. after my car loan ended in XXXX XXXX. I have worked for the XXXX since XXXX as a XXXX, currently for the XXXX XXXX on XXXX XXXX. I am very unsure of my future as a result of their intentional financial abuse. Again, my car payment history is outstanding despite the XXXX Bankruptcy filing. I hope this type of abuse is placed in the Bankruptcy Abuse Protection Act. I know I must sound like an XXXX to have this happen to me. I just don't understand why I am unable to obtain assistance. Yes, we both signed the Reaffirmation Agreement. This document is false yet it was filed in the NJ Bankruptcy Court in XXXX, NJ. Thank you for your time.
Consumer complaint received 2021-03-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. ()

Dear Sir/Madam, I sent this email to complain that Coinbase locked my XXXX for 3 months. 
I would like to summarize my case as below : I have a transaction to transfer XXXX from my other wallet to Coinbase 's account ( the last item ).

1 ) Date of deposit : XXXX XXXX XXXX Amount of transfer XXXX XXXX XXXX XXXX Transaction hash : XXXX https : XXXX But in Coinbase it's showing XXXX in my portfolio balance. So all my money XXXX XXXX XXXX XXXX was lost for no reason. 

I submitted a lot of tickets in 3 months but then the Coinbase system told me that the ticket closed with an auto message One of my tickets is XXXX that was created on XX/XX/2020 and is still pending for now even though I sent a lot of follow up messages. 

Please help me. That's all my family 's saving. Please let me transfer my money to another wallet. You guys can close my coinbase 's account. 

Thank you a lot!
Consumer complaint received 2024-01-31
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: Experian Information Solutions Inc. (NC)

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 2021-07-17
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I come back and send you this complaint since you referred the answer to a supposed lawyer that I do not know completely. and I demand the same as in the previous complaint. 

I am not aware of any attorney acting on my behalf. I do not know and I demand that all information be sent directly to me. 

XXXX XXXX XXXX with the Law Offices of Litigation Group Practice. 

15 USC 6809 ( 9 ) ( 9 ) Consumer The term consumer means an individual who obtains, from a financial institution, financial products or services which are to be used primarily for personal, family, or household purposes, and also means the legal representative of such an individual. You are a financial institution according to 15 USC 6809 ( 3 ) ( a ) ( 3 ) Financial institution ( A ) In general The term financial institution means any institution the business of which is engaging in financial activities as described in section 1843 ( k ) of title 12. You as a consumer 15 USC 6809 ( 9 ) I am the natural person, and agent of the consumer XXXX XXXX XXXX XXXX who obtained from you CAPITAL ONE a credit extension, a service that created an account and I want said account to be sent to the original Creditor, I want the funds from this account to be reimbursed to the original creditor of this account. Any digital contract that has been created with this Credit Extension and the issue of the account, card number : XXXX that rests in you is rescinded and it is required that the funds be remitted to the original creditor. As the original creditor I demand that all funds that resulted in the issuance of this account be refunded to me within 20 days. Otherwise I will be forced to file a lawsuit. I have all the relevant evidence to show that you used my credit without my consent. They are not creditor, they are the financial institution that sells financial services, they do not lend money and they have to reimburse me for all money used and obtained without my consent. 15 USC 1602 ( g ). 15 USC 1692 a ( 4 ) 15 USC 1602 ( I ) ( I ) The adjective " consumer '', used with reference to a credit transaction, characterizes the transaction as one in which the party to whom credit uis offered or extended is a natural person, and the money, property or the services that are the object of the transaction. are primarily for personal, family or household purposes
Consumer complaint received 2020-08-28
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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy or ( bankruptcies ). These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.CHAPTER XXXX BANKRUPTCY XXXX XX/XX/2020 {$0.00} CHAPTER XXXX BANKRUPTCY XXXX XXXX/XXXX {$0.00} CHAPTER XXXX BANKRUPTCY XXXX XX/XX/2020 CHAPTER XXXX BANKRUPTCY XXXX XX/XX/2020 {$0.00}
Consumer complaint received 2020-08-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (NY)

On or about XX/XX/2020 a charge went on my AMEX platinum for {$590.00}. Since I did not recognize the charge, I disputed it. Today in the mail I received a letter telling me it is a valid charge and annexing an online receipt. However, I still do not recognize the charge and AMEX continues to fail to do their job properly, including telling me what this charge is for and what was purchased. Therefore, I continue to wish to dispute it and demand they provide complete information, including exactly what was allegedly purchased.
Consumer complaint received 2022-02-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.
Consumer complaint received 2020-05-11
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: CAPITAL ONE FINANCIAL CORPORATION (TN)

I look at my credit weekly due to fraud with someone having same name and DOB as me in same city, now I am seeing a lot of inquires on my credit on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX from several companies I have had no contact with nor have any idea who they are and what they be using my ssn number for as I am not needing anything regarding my ssn number. The companies that have illegally used my ssn information is XXXX XXXX XX/XX/2020, XXXX XX/XX/2020 and XXXX XXXX XX/XX/2020. I would like these illegal inquires removed immediately as well as documentation showing my id and signature allowing use of my ssn. Furthermore I was working on each one of these days 12 hours and we are not allowed phones on my job which is a little more alarming as to how my credit was ran without my consent or me in person.
Consumer complaint received 2018-07-10
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (FL)

I feel very frustrated with the way Navient is dealing with repayment programs. I called several times ( during the limited times a working person can contact a huge corporation ) to find out information and guidance for a deferment program. They asked me the same questions over and over again, and at the end sending me to a general website that did not have all the information and the clear steps I needed to start the process. Every time I was talking to someone, she was in a hurry, always, trying to cut the conversation, leaving me with the sensation they did not want to give me the real or accurate information to start a deferment application. At the end, the last call I made to Navient, I had to tell the lady " No, I'm not done '' I needed more guidance and the address to send the application. She gave me an address I almost could not find online, Why it was so difficult to find an address millions of people need in a desperate circumstance in their lives? I am still waiting for a response on my application, but I'm very disappointed and dissatisfied with their services when I have paid a lot of extra money to my loans. They told me the online application was faster and I could not find the application, nor the way to do it online, considering I am good with the internet. 
Thank you. I just needed to get this out of my chest.
Consumer complaint received 2017-03-07
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (TX)

I took out this loan 15 mos ago. At first it seemed like a good deal at the time. Then I found out after I had already signed to the terms that they had duplicated my student loans more than once when they were calculating my DTI. My loan was consolidated as XXXX loan at the time and it was in deferment so when they duplicated it they added it several times as a XXXX. I 'm not sur if this was to drive up the interest rate or what. Also they reported mostly interest to the front of the loan, so paying it off was going to take longer than it would a regular loan. Lastly I paid off the loan on the XXXX of XXXX. I was told that they were going to report it paid to the credit bureau on the first and mail me back my original contact, however they have not and I have already spent money on a credit report with my mortgage company, just to have it show inaccurate information.
Consumer complaint received 2017-03-24
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: NAVY FEDERAL CREDIT UNION (VA)

Naval Federal Credit union fail to pay bill as though their bill pay service as agreed resorting in my credit going bad they told me they was going to depute the reporting to each reporting company and did not also was to send me a copy of what they did and have not done so this was done to hurt my credit and then refused to help resolve the issue they made and lied about it which is why they did it intentionally They resent me letters to send to the bill of company 's they did n't pay instead they need to send them to company 's them self instead of sending them to me They need to fit this mess, the y told me they had sent a letter to the report company 's and did not, the left my account as if payments were being made instead my bills became slate and late fees was charged they claim it was due to fraud activity in my account but some the bills was paid and some was not if was do to fraud activity why was some bill was paid and some was not, the money has left my account so where did it go I have asked the question before to date no answer. They lied about what happen and did nothing to fix it and lied about the cause, I want to know where my money went. And they correct my credit I get approve for nothing the refer to the late payments caused by Navy Federal Credit Union.
Consumer complaint received 2023-03-10
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)

There is inaccurate information reporting on the credit report, That does not match the correct identification. There are unknown addresses that doesnt not match any personal records or Identity. These addresses are not attached to anything on my credit file.
Consumer complaint received 2020-10-20
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. (AL)

This is my 3rd time trying to fix the errors of this alleged account. I wrote two letters both XXXX and XXXX of XXXX, but yet inaccuracies still remain. I have attached a photo proof below of the inconsistencies and inaccuracies that have been continuously verified. The date of last activity in different across all three bureaus XXXX  shows XX/XX/XXXX, XXXX  shows XX/XX/XXXX and Transunion has XX/XX/XXXX. Please tell me how this information was verified by the same creditor but still report inconsistently across three bureaus? I have a right to an accurate credit report please delete this unverified inaccurate account immediately. 


Account Name : XXXX Account # : XXXX
Consumer complaint received 2016-06-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (OH)

I have written a certified letter to Equifax. I included my birth certificate, a copy of my social security card and current driver 's license with home address and birthdate. 
I informed Equifax that I am not XXXX XXXX XXXX. I was born without a middle initial. 
No matter, Equifax sent a letter dated XX/XX/2016 claiming the info does not match their records. I 'm exhausted. I tried to resolve this matter and send the documentation to confirm. I 'm exasperated that it appears the attachments are being disregarded. I would appreciate assistance.
Consumer complaint received 2022-09-13
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. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2021-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I recently paid plan for credit protection & what I basically reported XXXX credit monitoring with XXXX XXXX its was fine on all accounts accurately XXXX, XXXX, XXXX now all of sudden 44 point drop outta of nowwhere without any explanation telling why did it exactly drop, Im starting to think these credit scores system is being hack for no reason.
Consumer complaint received 2021-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I recently paid plan for credit protection & what I basically reported XXXX credit monitoring with XXXX XXXX its was fine on all accounts accurately XXXX, XXXX, XXXX now all of sudden 44 point drop outta of nowwhere without any explanation telling why did it exactly drop, Im starting to think these credit scores system is being hack for no reason.