davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

When applying for my credit card with XXXX XXXX, I was under the mistaken belief that XXXX XXXX would be loaning me depositors money, which it received from its depositors or investors. I have found by researching relevant case law on the matter and reading XXXX XXXX XXXX, published by the Federal Reserve Bank of Chicago, that XXXX XXXX created the money I borrowed by using my promise to pay. It generated computer entries to my account, listing the loan as a credit, in effect, creating money out of thin air. 
In none of my transactions with XXXX XXXX XXXX   did any officer or employee notify me that your bank created money by a journal entry ( out of thin air ). After discovering this, I am prepared to proceed against XXXX XXXX for bank fraud. The banks transactions relating to me lacked two necessary elements of a valid contract. 
Perhaps you should be aware of the following : United States Code, Title 32, Section 24, Paragraph 7 confers upon a bank the power to lend its money, not its credit. In First National Bank of Tallapoosa v Monroe, 135 Ga.614 ; 69 S.E. 1123 ( 1911 ), the court stated : ( T ) he provisions referred to do not give power to a national bank to guarantee the payment of the obligations of others solely for their benefit, nor is such power incidental of the business of banking. A bank can lend its money but not its credit. 
Again in : Howard & Foster Co. v Citizens National Bank of Union, 133 S.C. 202 ; 130 SE 758, ( 1927 ) It has been settled beyond controversy that a national bank, under federal law, being limited in its power and capacity, can not lend its credit by guaranteeing the debt of another. All such contracts being entered into by its officers are ultra vires and not binding upon corporation. See also Merchants Bank of Valdosta v Baird, 160 F 642 ; 17 Lns 526 ( 1876 ). 
XXXX XXXX did not notify me that it created money by journal entry ( out of thin air ), defined as bank credit. To do so would have disclosed that there was no consideration from XXXX XXXX to me. 
A lawful consideration must exist and be tendered, to support the note. See Anheuser Busch Brewing Co. v Emma Mason, 44 Minn. 318, 46 NW 558 ( 1980 ). 

This account with XXXX XXXX was created under fraudulent terms and violates United States Code, Title 32, Section 24, Paragraph 7. XXXX XXXX has agreed to close the account but not remove the account from my credit report. I do not want fraudulent accounts on my credit report. 

A copy of the notice sent to XXXX XXXX explaining the fraud is attached.
Consumer complaint received 2020-01-09
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: AMERICAN ADVISORS GROUP (SC)

My father passed away XX/XX/XXXX and as Successor Trustee of the Living Trust the asset is held in, I contacted the reverse mortgage company in writing on XX/XX/XXXX of my intent to sell the property to pay them off. The communication was sent to the email address they provided, and I received an automated confirmation they received it. I inquired with them to determine how much my father owed but they would not speak to me until they received the required paperwork in the XX/XX/XXXX communication. I called on several occasions only to be told the paperwork was under review but that it has not been completed yet, so they were still unable to tell me how much my father owed them. After several weeks, one of the clerks form the company told me they never received my paperwork sent to them on XX/XX/XXXX and gave me another " expedited '' email address to send it to. I resent the information on XX/XX/XXXX and that clerk did remain on the line with me to confirm it was received. 

Upon obtaining an offer to purchase the home, a payoff request was sent to the company in accordance with their instructions. Their internal policies require a 7-10 business day turnaround time upon receiving a written authorization to quote a payoff. They received said written request on XX/XX/XXXX. Multiple calls to the company confirmed receipt but that they will not quote the payoff, and had until XX/XX/XXXX to do so, which is 11 business days from the XXXX ... Today is XX/XX/XXXX and after not having received the payoff quote, they were contacted but advised that they " never processed that request. '' First, we were told they never received the request, which appears to be standard operating procedure in the first response customers are given. It was only with persistence and demanding they review again that they found it being received on the XXXX. 

I have had to delay the closing on the sale of the property solely due to their lack of submitting the payoff to us in a timely manner and it appears I may have to do it again. 

I believe the delay in my loan closing and payoff of the debt with this company should not cost me any additional interest or fees that the company will tack onto the loan since it is their gross negligence that causes these delays. 

It is apparent that the company intentionally drags out these processes to earn more and more income off of their clients. Further, I believe the company operates under standard practices that are unfair and deceptive in that they intentionally make it difficult for their clients to do business with them when they are faced with a client wanting to satisfy a debt. 

I am in the XXXX industry, XXXX  specifically, and I am disgusted by the lack of regulation on these companies when other XXXX  industries are hammered by regulation.
Consumer complaint received 2016-06-24
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

After eleven years in business, my partner and I were forced to close our company on XXXX/XXXX/16 due to insurmountable financial difficulties as a result of the economic downturn over the past several years. Since the company was an XXXX, I was responsible for all credit cards where my name appeared on the card along with the company name. 
Both my partner and I each had several credit cards to deal with. Since the company had no assets whatsoever, I contacted each of the credit card companies and all were resolved except XXXX, Capital One which I first contacted on XXXX/XXXX/16 in an attempt to secure Debt Forgiveness in the form of a settlement so that I could begin to move on and deal with additional company issues. I was told on that date that XXXX XXXX could not offer a settlement " at this time '' because the account was not overdue long enough. I then called back on XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. Over the course of these calls, I spoke to approximately XXXX different reps / supervisors and more than once I spoke to the same person twice. I was told on XXXX that in order for my request to be considered I should write a letter and fax or mail it to the General Correspondence Department at Cap 1 explaining my circumstances which I did and I faxed it to that department on XXXX. Two days later I received a letter from Cap 1 saying that they were " unable to fulfill my request through written correspondence '' and that I should contact them at the XXXX # listed below. When I called, the merry go round started all over again. I have spent approximately XXXX15 hours in total on the telephone with various reps and account supervisors with no resolution in sight. 
Not one of these reps / supervisors ( I was told ) was authorized to negotiate a settlement nor could they transfer me to anyone who could nor could they give me a reason as to why my request could not be resolved except to say a settlement was not on offer " at this time ''. In essence, they have been stalling while my interest rate has increased by 13 % causing the total of my bill to increase significantly as well. Maybe this is their strategy. 
Despite the fact that I am retired, collecting Social Security ( not even the maximum ) and without a pension, Cap 1 refuses to negotiate with me in good faith. This is in complete contrast to what they claim on their website regarding Debt Settlement. It appears that Cap 1 is misrepresenting their policies and is engaging in unfair business practices. 
Insofar as all our other creditors have met us half way, I never expected my dealings with Capital One to be so difficult and stressful. The manner in which they do business with their customers who fall on hard times is appalling and abusive. All of their reps seem to be reading from a script / talking points, unable to offer any help whatsoever. They all say the same thing, " no offer is available at this time ''. 
So, " at this time '', I am exactly where I was when I started except that I am now further in debt to Capital One.
Consumer complaint received 2022-11-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (CA)

This issue is regarding Apple Card operated by Goldman Sachs. I tried to make a payment for XXXX on XXXX. The payment was attempted erroneously using an unused bank account. I immediately made a separate payment from the correct bank and requested Apple card to cancel the other payment. They asked me to wait till it is posted the next XXXX The next XXXX when it got posted, they told me it cant be cancelled. They said they have to do a manual refund to the account to cancel it. They told me no physical money would move. I agreed. Immediately the payment was shown as cancelled and the balance was corrected. I thought that was the end of it. 

Now they have posted a balance adjustment of XXXX on XX/XX/XXXX increasing my outstanding balance. I tried raising a dispute XXXX times. Both times the customer service agent understood the issue but then the dispute was closed in XXXXXXXX XXXX with a very weird message. They said and I quote Your dispute has been investigated. You contacted us on XX/XX/XXXX regarding a payment to your Apple Card account. We have investigated your dispute and determined that no error occurred. Your payment of {$1300.00} was refunded to your bank account ending in XXXX as requested on XX/XX/XXXX. Your bank then returned the payment on XX/XX/XXXX which increased your outstanding balance by {$1300.00}. They are saying that they took money from the card to pay to my bank that gave the money back and so my balance went up. If the bank didnt give the money back and its in my bank account, I would understand. But this explanation is totally hilarious. 

While raising the dispute, I asked them to look at the balance on XX/XX/XXXX, add purchases and deduct payments and then tally the balance. They seem unable to do or understand this simple math. Can you help out?
Consumer complaint received 2022-11-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BlockFi Inc (OR)

Issued withdrawal on BlockFi account on XX/XX/22 at XXXXXXXX XXXX XXXX, prior to BlockFi announcing withdrawals was no longer offering withdrawals until further notice on XX/XX/22 at XXXXXXXX XXXX XXXX. I called on XX/XX/22 to phone support and could not get through. Phone support has ceased. I created XXXX tickets ( XX/XX/22 ; XX/XX/22 ; XX/XX/22 ) and have not heard back from BlockFi. Withdrawal status is " Pending '' as of this writing.
Consumer complaint received 2022-11-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Blitt and Gaines, P.C. (IL)

Blitt & Gaines XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The law firm listed above sent me a letter saying I owed them {$2500.00}, dated XX/XX/XXXX. I sent a response ( certified mail ) dated XX/XX/XXXX asking them NOT for " verification '' of the supposed debt but for VALIDATION made pursuant to Fair Debt Collection Practices Act, 15 U.S.C 1692 et. seq., and the Fair Credit Reporting Act, 15 U.S.C. 1681 et. seq. They did not respond with a validation but rather a verification in a letter dated XX/XX/XXXX. 

This went back over the course of months. They finally sent me a third letter dated XX/XX/XXXX which, again, was not a validation of the debt but only a verification of the debt. 

I responded in a third notice dated XX/XX/XXXX asking them NOT for " verification '' of the supposed debt but for VALIDATION made pursuant to Fair Debt Collection Practices Act, 15 U.S.C 1692 et. seq., and the Fair Credit Reporting Act, 15 U.S.C. 1681 et. seq. They have done nothing to prove validation of this debt. They are now suing me in the circuit court of XXXX XXXX in Illinois, case number : XXXX.
Consumer complaint received 2022-08-17
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. (IL)

The Credit bureaus stated my account was properly investigated. In which I have the First file number of XXXX issued of XX/XX/2022 which it stated information removed but it still shows on my credit report, and have pictures that it is still there. The Second investigation with all 3 Credit bureaus are ridiculous and I will be pushing forward to get these violation looked at by my lawyer. If you review my credit report in which I have a copy of there are numerous of violations with inaccurate information alone. If the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate how is that a proper investigation? Also that violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy. This is not right to privacy especially with inaccurate information.

15 U.S.C 1681 Section 604 A Section 2 : Also states a consumer reporting agency can not furnish a account without written instructions.
Consumer complaint received 2021-06-21
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. (CT)

They did not accurately verify that my XXXX account was in fact closed. I have disputed twice and they still have not updated the information and removed it from my report. They are inaccurately reporting repossession on my XXXX account even with payment history documents attached.
Consumer complaint received 2018-05-26
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. (CT)

I received an alert that equifax opened a dispute that I did NOT initiate for XXXX XXXX XXXX therefore dropping my score. Complaint number XXXX was made against them on XX/XX/18. Their careless acts can affect my ability to get a loan. I will find out what legal ramifications go along with this.
Consumer complaint received 2022-01-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (AR)

XXXX XXXX child support and Equifax inc. is violating my constitutional rights under the 11th and 14 amendments for the past 15 years. In a corporate bond scheme for profit, in an alleged contract agreement, creating a libel false claims on a monthly basis against my credit score. Which has effected my past, my present and may future. A debt of garnishment that must be done under a court order. XXXX XXXX XXXXXXXX. Section 7. When the supreme court has ruled. United States XXXX XXXX XXXX XXXX XXXX XXXXXXXX child support is a agreed contract that I have never agreed to, agreed with or agreed on. XXXXXXXX XXXX XXXX  XXXX created a gender discrimination against men. Enrolling them against their well.
Consumer complaint received 2022-11-13
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: EQUIFAX, INC. (CA)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that the credit reporting agencies didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under XXXX XXXX Code XXXX ( b ) and XXXX XXXX Code XXXX ( XXXX ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2022-01-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alliance One, Inc. (IA)

I have been called by multiple phone numbers associated with AllianceOne debt collection, almost every single day as far back as XXXX of 2021. They are calling and leaving nondescript voicemails asking for myself, ( XXXX XXXX ) or my dad once ( XXXX XXXX. ) They have called from XXXX almost daily, and XXXX back in XXXX and starting up again in the new year. I answered a call trying to figure out who they were, and they confirmed they were debt collectors trying to collect a debt that belongs to my dad, who I was not in contact with when he died in XXXX of 2021. I explained this XXXX separate times ; as they were calling while I was at work, and I answered because I had been waiting on other relevant calls regarding my dads death. They said they would not call anymore, but are continuing to harass me and leave voicemails. My dad was so broke when he died we didnt even establish an estate and his things were sold off by his landlord. No one is going to pay this debt, and this company is disgusting.
Consumer complaint received 2022-01-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (VA)

I was approved for a Citi Cash card to help pay down my debt. I transferred {$2900.00} from a balance transfer to this Citi Cash card due to I only have a {$3000.00} limit on the card. I only have 4 months from the date I opened the card to get {$0.00} finance charge on balance transfers. On XX/XX/22 I made a {$1000.00} payment to my Citi Cash card. They withdrew the {$1000.00} from my checking account on XX/XX/22. My account shows a balance of {$1900.00} but I only had {$0.00} in available credit. I wanted to use that {$1000.00} to make another balance transfer. When I called Citibank on XX/XX/22 about my available balance they told me the payment was on hold for verification. When I asked why, I was told its because I made a large payment. I requested to speak to a supervisor and asked him when will it reflect in my available credit and he said XX/XX/XXXX. I asked where in the contract does it state they were going to hold my money and he told me on page 3 and then he hung up on me. Theres nothing anywhere in the contract about verification holds. I called back the following day at a different time and was told the same thing that my payment was on hold for verification so I asked him where does it say they can do that in the contract and he said it isnt written its just something they tell people over the phone. I understand what a verification hold is but no one could tell me why it takes 10 days to release the hold. They now have {$1000.00} of my money and I have nothing to show for it. I cant do another balance transfer until after my other credit card payment due date. I believe they are holding it to whittle down the time they gave me for the interest free balance transfer which is why I chose their credit card in the first place.
Consumer complaint received 2022-01-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Marlette Funding, LLC (AZ)

NEW INFOMATION .... As a debt collector participating in commerce in the United States of America Best Egg is governed and must abide by federal law. Best Egg claim in there response that they are required to report my information to the credit reporting agencies, Required by whom? pursuant to 15 USC 6802a it clearly states that no financial institution or an affiliate may not disclose to a nonaffiliated third party any nonpublic personal information, I have no establish relationship with any credit reporting agency in regards to the alleged debt. 

Furthermore pursuant to 15 USC 6802b ( XXXX ) ( B ) I was not given the option to opt out of any form of credit reporting or sharing of my personal information with any nonaffiliated third party, I also was not given any explanation of how I may exercise my right of nondisclosure option pursuant to 15 USC 6802b ( XXXX ) ( C ). For the sake of my right to privacy as a Federally protected consumer and the sake of my personal reputation I request that Best Egg kindly remove this information from all Credit reporting agencies.
Consumer complaint received 2017-01-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Conn's, Inc. (TX)

I have disputed this issue with the company ( conns ) multiple times and even reached out to them on three different occasions in regard to this debt the company stated that the debt was in regards to a television which I do n't have and have never had.The debt which is being owed is an extremely large amount which I would NEVER finance for XXXX. Please assist me with getting this collection resolved. I have never even gone to this company and when I asked them how did I get the tv to my home they said that I carried it. how would I ever do that?
Consumer complaint received 2022-11-20
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 — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL (TX)

To Whom it may concern : Thank you for taking the time to read this letter. I'm writing because my credit reports contains late payments for my CareCredit/Synchrony credit card for XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX of XXXX. 
I called CareCredit in XX/XX/XXXX to ask for assistance to reduce my monthly payments because of the coronavirus epidemic and my hours at work were reduce. I had an excellent payment history and account was current with no late payments. CareCredit enrolled me into the customer assistance plan in XX/XX/XXXX. The representative explained to me that if I accept the plan that my CareCredit credit card would automatically you be closed, and I would pay XXXX a month and 0 % interest until the account is paid in full. I agree to the term and the agreement was set up. 
I want you to know that I understand my financial obligations, and it weren't coronavirus epidemic, and my hours reduce at work, I would have been able to pay my account. 
I spoke with a CareCredit representative in XXXX and XX/XX/XXXX, and they did a dispute online for me and I received a response stating that the information that was reported is accurate.