davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-15
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. (MI)

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To whom this may concern, RE : Inaccurate and Unverified accounts Account name : XXXX XXXX  Account number : XXXX ( partial acct. # ). Violation Status following your investigation : Charge-off Account name : XXXX XXXX Account number : XXXX ( partial acct. # ). Violation Status after investigation : Charge-off Account name : XXXX Account number : XXXX ( partial acct. # ) Violation Status following your investigation : Paid, XXXX balance Account name : XXXX XXXX XXXX Account number : XXXX ( partial acct. # ) Violation Status following your investigation : Charge-off Account name : XXXX XXXX Account number : XXXX ( partial account # ) Violation Status following your investigation : Seriously past due date Account name : XXXX. XXXX, XXXX Account number : XXXX ( partial account # ) Violation Status following your investigation : Seriously past due date Account name : XXXX XXXX XXXX Account number : XXXX ( partial acct. # ). Violation Status following your investigation : Seriously past due date Account name : XXXX XXXX XXXX  Account number : XXXX ( partial acct. # ) Violation Status following your investigation : Seriously past due date I am sending this letter in response to the results of your incomplete investigation. I want to inform you that this is NOT a refusal to pay but in accordance with my rights under the Fair Debt Collection Practices Act I am disputing these accounts and requesting a validation of debt. ( XXXX XXXX XXXX Sec. XXXX ( b ) ). 

I am NOT requesting a verification, but I am requesting for validation. I request that your office provide me with evidence that I am obligated to pay you. Please provide me with the following information : XXXX. State what the money you say I owe is for. 
XXXX. How did you come to determine that amount? 
XXXX. Provide copies of agreements bearing my signature, stating that I agreed to pay what you say I owe. 
XXXX. Show me the proof that you are licensed to collect in my state ; provide your license number. 
XXXX. Provide me with proof that the statute of limitations has not expired. 
XXXX. A valid, legible copy of the agreement stating the debt and interest charges. 
XXXX. How is a closed collection account past due? This is a violation of the FCRA! 
********DELETE THESE ACCOUNTS********** As you know it is against the law to report any information not proven accurate. If your company fails to comply or respond to this letter within the allotted time of 30 days from the date you receive this letter, this account must be deleted and removed immediately from my credit report. Also, all future attempts to collect this debt must stop. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2016-08-15
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: CURO Intermediate Holdings (TN)

I was in a accident and fell behind on my finances due to doctors bills and extra travel I then joined a debt consolidation company to help lower payments and get paid off the payments will start XXXX XXXX and these people keep trying to charge my checking acct causing overdraft charges to increase debt.
Consumer complaint received 2016-05-17
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc. (TN)

cmre financial has a debt on my credit report. it has been taken care of by insurance. we have sent them several letters to show it was taken care of and they will still not remove it. it was taken care of XXXX/XXXX/2016
Consumer complaint received 2022-11-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (MA)

I have been severely financially impacted as a result of Coinbase refusing to return the {$30000.00} XXXX tokens to me. On several occasions I have shared my frustration with Coinbase customer service only to be denied my request for a refund. They convey XXXX empathy or compassion for my situation for such a large organization. Coinbase has the ability to return the {$30000.00} which is currently sitting in XXXX. I've even offered to pay a fee for the return only to be once again denied.I am very disappointed in Coinbase 's response to the inquiry which will only discourage other customers from conducting business with them including myself. Unfortunately, I'm not the only victim for a case like this as many other people have experienced the same problem with XXXX resolution from Coinbase. It breaks my XXXX that I don't have this money as it was going to be used for a downpayment on a house for my family. Now we're stuck in this tiny apartment until we can build up enough funds to purchase a home. Please help me as we have all suffered from this misfortune from Coinbase.
Consumer complaint received 2021-12-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: D&A Services, LLC (FL)

In XX/XX/XXXX I received a call about a debt they said that I owed to XXXX in the amount of {$6100.00}. I told them that I did not owe any money to XXXX and that the last time I had dealt with XXXX was inXX/XX/XXXXwhen I closed my credit card account with a balance of XXXX. 

When they tried to push this again, I tolad them that they either had the wrong person or a fraudulent account. It told them to stop harassing me as the debt was not mine. I never heard from them again. 

Last month a different company contacted me about the same debt. The caught my attention because my credit score dropped by XXXX points. Again I told them that the account was not mine and filed a complaint with the CREDIT Bureau. After researching it as little as they did, the credit bureau said that the complaint was real. 

I asked the collection company to show me proof that I opened this account.. They said that they would. In the meantime, I contacted XXXX and they had no record of my having a delinquent account. This time the collection company sent copies of two statements looking like a XXXX statement. The first one had several problems. Number one was that my first name was misspelled. Number two it showed that supposedly I made a payment to them in the amount of {$110.00} on XX/XX/XXXX. I took that information to my bank and asked for a copy of my bank statement from XX/XX/XXXX through XX/XX/XXXX There was no payment made to anyone for that amount, and no payments of any kind to XXXX. During this time I received a copy of my credit report and there was no XXXX account reported open in the credit report after XXXX. I have reported this as fraud to the collection company they are now labeling this as a possible fraud account.
Consumer complaint received 2022-11-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (GA)

Back in XXXX I opened a checking account with Wells Fargo bank and deposited a settlement check. In XXXX, I deposited another large check. I opted to get a platinum credit card with a credit limit of {$500.00} initially, Wells Fargo increased the credit limit to {$1000.00} in the first five months. XX/XX/XXXX, I injured myself and have not been able to work. Wells Fargo closed the credit card account around XX/XX/XXXX and stated on my account page that I could make payments until balance is paid off. However, Wells Fargo has stopped adding late fees recently but continues to add fees and interest charges on this closed account. When I make payments, the payments are not toward the principal but the internet and fees. So far the fees are over {$200.00} in XXXX and interest is {$87.00} in XXXX. How can Wells Fargo charge interest and fees on a closed account? XXXX interested in paying off the principal balance without the fees and/or interest attached. Ive tried to explain this to Wells Fargo customer service reps to no avail. They just call and harass on a closed account. I have no problem paying the principal but how can I get my payments to go towards my principal on this closed account. Is this legal? Please someone help. I do not use this credit card since it is and has been closed.
Consumer complaint received 2022-11-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Upgrade, Inc. (MI)

I have a few lines of credit with Upgrade which I have informed them I will no longer be paying as a result of Upgrade breaching our contract, violating my privacy rights and deliberately providing FALSE information. I have to bank account linked to these loans, As retaliation Upgrade has refused to to allow me to remove any one or either of those accounts. I want to remove these account because I found out Upgrade is able to ascertain all my transactions including my medical transactions which is a direct violation of my Hippa rights. Further, a more severe violation because Upgrade takes that information and sells it to third party data collecting companies. Which is also a clear and direct breach of our contract a contract Upgrade drafted. I am requesting Upgrade remove my account ending in XXXX from all loans/ lines of credit it is linked to. I no longer will provide Upgrade permission to debit this account nor collect information from this account.
Consumer complaint received 2016-05-20
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Blue Brick Financial LLC (AZ)

I responded to a solicitation for a home refinance Blue Brick Financial sent me to me in the mail. The representative I spoke with did not make it clear that I was at risk of having to pay for the home appraisal fee if they did not go through with the loan which they now say they can not provide. The representative did not preform any due diligence on his part to research my home 's value to access beforehand if the loan to value was out of range. Also, the representative also stated several times this was a " no fee '' loan and Blue Brick Financial would refund or credit back the appraisal fee in the closing process. They never made aware that I have to pay if they do n't complete the loan process. They also charged my credit card with out my prior authorization.
Consumer complaint received 2022-11-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (VA)

In XX/XX/2022, I received an email from my Chase Preferred XXXX credit card to start a " Chase Plan '' where I can make a purchase over {$100.00} and have XXXX XXXX interest and monthly payments with no fees. The wording in the advertisement 's states " There's no need to make any separate payments for active plans. We'll automatically add the monthly My Chase Plan payment to your minimum payment due each billing cycle. Pay at least your minimum payment when it's due each billing cycle, and you'll pay off your My Chase Plan balance on time. Once you set up a plan, you'll see a payment amount called interest saving balance. When you choose this option, you won't pay off your entire My Chase Plan balance earlier than intended, and you'll still avoid interest on new purchases. '' So, I decided to take advantage of this in XXXX, I made a purchase for {$670.00} on XX/XX/XXXX. In-between that time and my next billing statement on XXXX XXXX, I had made purchase which posted to my balance and showed in my account online and the app and made payments to cover these purchases. Instead of the payments going towards the new purchases which is what was advertised in the above, the allocated my money to the Chase Plan Balance instead ultimately charging me interest on charges that should have been paid off. On top of that, any purchase I have made and returned ( within a day or XXXX ), the refund amount was also allocated towards the chase plan instead of the original charge. 

When I tried to contact Chase about the issues I was treated very poorly and not given any options on how to resolve and was told that I need to read my cardmember agreement. I read this agreement from front to back on all XXXX pages multiple times and nowhere does it state that my chase plan would be paid before any of the new purchases and in fact states different in their advertisement making it deceptive and misleading.
Consumer complaint received 2022-11-15
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. (NY)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

I sent the credit bureaus letters asking them to verify the debt on my credit report. They sent everything back stating that everything is verified correctly. My credit report are still showing inaccuracies XXXX U.S.C. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knowns or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-12-21
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

Sometime in XX/XX/2019 I made the mortgage payment through XXXX 's website. The next time I signed in to pay my XXXX payment, I received a prompt that my mortgage was going into foreclosure. I called them immediately and they said I had not made XXXX 's payment. I checked my bank statements and realized the money was never transferred. I made the payment immediately and made both XXXX and XXXX payment. My credit score has dropped over 100 points because of this. I made multiple attempts to get this resolved. 

In addition, on my Equifax report it states I was late in XXXX and XXXX of 2019. I called XXXX about this and they said there were no late payments in XXXX or XXXX on my records. I asked them if can they provide proof of my on time payments so I can clear it with Equifax. They said they will not send me anything.
Consumer complaint received 2016-10-31
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (FL)

I AM UNABLE TO OBTAIN CREDIT FROM ANY SOURCE SINCE COMPANIES WHO REQUEST MY CREDIT HISTORY RECEIVE NO HITS ON EQUIFAX OR XXXX. THEY ARE TELLING ME THAT I DONT HAVE ANY CREDIT. I 'VE HAD MY SS # FOR OVER 2 YEARS AND HAVE AN OPEN CREDIT CARD IN GOOD STANDING ORDER WITH XXXX AND HAVE A SCORE OF XXXX IN XXXX. I NEED TO KNOW HOW I CAN FIX THIS SINCE I NEED TO ESTABLISH CREDIT HISTORY BUT I 'M UNABLE TO DO SO IN THESE CIRCUMSTANCES
Consumer complaint received 2017-01-10
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Siggi LLC (CO)

I defaulted on a loan with OMNI Financial around 2013. It was a military loan where they take out a monthly allotment. The value of the loan was probably around {$4000.00} at the time of default. Now they charge me an unfair late fee of {$180.00} a month which over 3 years has now become over a {$13000.00} debt. I believe this is ridiculous and unfair for the service member to even attempt to repay. I would be more than happy to settle the loan at the original amount but I m not willing to give into this crazy markup of late fee 's. I Do not know if it is even legal for them to charge an 80 % interest rate on the loan and than add a 50 % mark up on the payment. Thank you for your time and assistance.
Consumer complaint received 2021-12-15
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ALLY FINANCIAL INC. (TX)

I entered in to a consumer credit transaction On XX/XX/XXXX, with ALLY FINANCIAL INC . This consumer credit transaction included a finance charge. 15 U.S.C. 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, yet, Ally Financial Inc took {$6000.00} cash from me in order to allow this transaction. The finance charge is also supposed to include insurance but this was never disclosed to me and I was repeatedly asked to provide insurance for the vehicle before obtaining the vehicle. 

I made a grave error in the operation of the alleged account with Ally Financial Inc and I continue to notice that they have willingly and deceptively not given me information that 15 U.S.C. 1635 requires them to provide to all consumers who enter in to a consumer credit transaction with them. This information must be disclosed. Ally Financial Inc is now criminally liable as well as civilly liable, 15 U.S.C. 1611 and 15 U.S.C. 1640, for not disclosing or providing my right of rescission as they are required to do. 

Upon review of my contract in regards to my consumer credit transaction between Ally Financial Inc and myself, under 15 U.S.C. 80a-46 b ( 1 ), it became evident that the violations to the terms in the the contract and violations against myself, by Ally Financial Inc made the contract void. 

On XX/XX/XXXX, Ally Financial Inc received and signed for a Copyright/ Copy Claim Affidavit Under Constructive Notice and my Notice of Dispute of the Debt. Ally Financial Inc violated 15 U.S.C. 1692 g ( b ). Ally Financial Inc proceeded to illegally take action against me and violate many of my rights. They refused to acknowledge my Dispute or my Copyright/ Claim affidavit. Ally Financial Inc failed to provide what was needed under 15 U.S.C. 1692 g ( b ) and never failed to cease collection of the debt until they provided the documentation required to validate the debt. Ally Financial Inc has also failed to send any response to the notary presentment. Ally Financial Inc continued to accrue charges, fees, interest, and penalties against myself. 

On XX/XX/XXXX, Ally Financial Inc received and signed for the Notice of Lien. 
They acted more aggressively while failing to acknowledge my dispute, notice of lien or notice to cure. After defaulting on our initial contract, they have continued to take action against me and are now illegally attempting to repossess my vehicle. Ally Financial Inc violated 15 U.S.C. 1692 e ( 4 ), ( 5 ), ( 6 ), ( 6B ), ( 8 ), ( 10 ), ( 15 ), and 15 U.S.C. 1692 f ( 6C ). 

On XX/XX/XXXX, Ally Financial Inc called a member of my family and discussed the debt and their repossession order with this person. This call was recorded and Ally Financial Inc was informed about this. This is a violation of 15 U.S.C. 1692 c ( b ).
Consumer complaint received 2023-04-12
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: U.S. BANCORP (TX)

I recently pulled my XXXX, XXXX and XXXX credit files to be startled. I came across this company that views my credit file twice on the same day. I never authorized them to look at it once, especially twice. Im guessing XX/XX/XXXX  is their lucky day or decided to try it for a second time. I never gave them permission to look at my personal file.
Consumer complaint received 2016-11-18
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE (HI)

Credit Card company ( XXXX ) allowed a charge from XXXX that was not authorized by me. 
There is an ongoing dispute on a contract which I had with XXXX XXXX that they did not perform on and we were in discussion on resolving this dispute.
Consumer complaint received 2022-11-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: U.S. BANCORP (TX)

I deposited at {$2500.00} convenience check on the XXXX and then they lowered my credit limit from {$14000.00} to XXXX on the XXXXXXXX XXXX when they did that of course they kicked it back as insufficient funds after 5 days and I had already spent half of it. So I haven't bounced stuff going everywhere and I'm overdrawn about {$3000.00} they won't raise it back up they won't cover the check even though I I'm in good standing with them I'm making payments and doing everything I should be doing
Consumer complaint received 2016-12-14
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: SYNCHRONY FINANCIAL (TX)

Synchrony Bank mails customers statements of certificates of deposits ( CD ) balances and interest credited once a month. Bank credits interest monthly by individual CD date, but provides only a single statement for all CD 's in the customer 's name once a month. For CD 's with interest credit dates after the current month statement date, customers have to wait for the next month 's statement to verify the interest earned in the prior month. 

This reporting method results in a disconnected process and burdens the customer with extra work to reconcile accounts. The current system is new. The prior system handled the different CD interest credit dates so that the monthly statement showed interest credited through the statement date for all CD 's. 

This problem has been confirmed with the bank. Their answer is that this is the way the system works. The purpose of submitting this complaint is to raise awareness for the bank to take corrective action.
Consumer complaint received 2016-11-21
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ENCORE CAPITAL GROUP INC. (LA)

I had XXXX XXXX Credit Card, which i was disputed as unauthorized charges due to ID theft. XXXX XXXX closed my account after investigation and sold to Midland Credit Management in the amount of XXXX, Midland Credit Management is trying to get money from me which i did n't owe.