davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: REGIONS FINANCIAL CORPORATION (GA)

My checking account with Regions Bank was in good standing. I am in the process of tryings to increase my credit score so, decided to set up my XXXX  XXXX Credit Card and my XXXX XXXX XXXX with Bill Payment through Regions Bank. My payment for both cards is due by the XXXX of the month before XXXX XXXX. I set up the bill payment to post on the third day of the month XXXX XXXX XXXX ) because that is when I have the money in my checking account. I thought all was well until I checked my checking account balance on the XXXX of XXXX. Regions Bank had tried to take the XXXX XXXX payment of {$30.00} out of my account two times on XX/XX/XXXX. Then they tried to take the money out for XXXX XXXX again on XX/XX/XXXX. This over drew my checking account a third time. If that wasn't enough, they tried to take the money out of my checking account again for my XXXX XXXX on XXXX XXXX. Let me remind you that my Bill Payments were set up be paid to my creditors on XX/XX/2021. These were all unauthorized withdrawals from my checking account. By the time they got finish charging me for unauthorized overdraft fees, I owed {$160.00} in overdraft fees. I called the bank on the next day XXXX XXXX XXXX ) and explained to them that they made a mistake and messed up my checking account. I told them they were charging me for overdraft fees that were not my fault. I then went into great detail explaining the mishap. They informed me that because I had previously disputed an overdraft charge in the past, they could only eliminate 50 % of the fees. I explained to them that the error was % 100 their mistake, not mine. I did not do anything to cause the problem and I want them to fix my account back to the way it was before they messed it up. They reversed {$72.00} of it and left me to pay {$89.00} of a bill that they made. They were suppose to take the money out of my account to pay the credit card bills on XX/XX/2021 ( 3 days later ). There was no money in the account on XX/XX/XXXX and XXXX, but the account was not overdrawn.. They overdrew my account and basically told me " too bad for you, we are not paying it. '' They stole {$89.00} from me. I want them to pay it back.
Consumer complaint received 2019-10-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (NV)

For no apparent reason XXXX XXXX XXXX closed 4 credit cards. All of the cards were either paid in full or the minimum payments required had been met. These cards were never used over the credit limit. When card # XXXX was closed by Citi Bank I had cash rewards of {$130.00} on the XX/XX/18 statement. Under terms of the Double Cash Card I should have received a 1 % cash back bonus for paying off the balance of the card ( {$17000.00} ) the following month. When combined with the existing credit of {$130.00} I should have received a cash back check for {$310.00}. The company refused to pay me the cash rewards which I had accumulated at the time they closed my card - without any prior notice to me. I paid the balance due on this card in full the month following them closing this card.
Consumer complaint received 2020-09-09
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Universal Recovery Corporation (CA)

On XX/XX/2020 I called Universal Recovery and spoke with a representative that was very disrespectful to me even called me " waist of time ". They refuse to help with me and said they don't do pay for deletion it company policy. The supervisor confirmed they don't have proof of the debt. I feel this should be taken off my credit report since they cant prove what it is.
Consumer complaint received 2022-05-16
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: ID Analytics, Inc. (TN)

i am a victim of id theft due in part to the XXXX data breach. i am a member of the class action lawsuit against XXXX and i believe that they are unfairly keeping negative marks on my file that circulate between the credit reporting agencies mainly XXXX and sagesteam witch shares information with all the major credit reporting agencies. after filing over XXXX ftc reports and disputes with these company i still have errors on my credit report, witch is keeping me form my pursuit of happiness that is my constitutional right. im not able to qualify for certain jobs or to live in certain areas due to the fact of my credit score when i have allotted steps to fix the situation. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. I have not given any written permission to put anything on my credit profile. CRA have no permissible purpose by law to contact third parties with my private or personal information. These offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. They have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability Pursuant 15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency. I have followed all protocol and i still have a mountain of fraudulent accounts. accounts are in the ftc and report that has been uploaded.
Consumer complaint received 2022-08-01
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. (PA)

I am XXXX XXXX who is submitting this CFPB complaint, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts witherroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response fromthem until this date. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$99.00} XXXX XXXX : {$0.00}
Consumer complaint received 2021-08-05
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. (TX)

I had a Debt with The XXXX XXXX that I paid in XX/XX/2020 through the collections company they sold it to, XXXX XXXX XXXX  ( XXXX ). I was told by XXXX XXXX XXXX that it would be removed from my credit reports ( all 3 ) within 30 days. I called 30 days later to tell them that it had not been removed and they said it was because I had to call them to request it be removed and that it would be done in ... 30 days. By then the holidays were happening and I didn't check again until XXXX. Still on all 3 reports. 
I called again and was told that it looked like no one had put in the request and it would be removed in ... thirty days. 
I called back early XXXX and was told that they don't remove collections, they just take payment and it would take 7 years to " fall off ''. I told them I had called several times before and no one had told me that. The woman said that she could see I had called but they don't remove collections they just report it paid and to be a {$0.00} balance and if I wanted it removed I would have to call the originating company, XXXX  XXXX XXXX. 
I called XXXX  XXXX XXXX and they told me that only XXXX could have it removed, or I could call each individual credit agency, which I did. They took a dispute but so far, 2 of 3 put the dispute in as being a dispute about the amount, which it is not. 
I have submitted a complaint with XXXX  and tried calling XXXX back several times but they keep telling me that they do not remove collections. 
I am trying to get financing to purchase a home. During that process over the past year I paid off my debts and had no problem getting other collections, some for much higher balances and at least ONE other that was settled through XXXX, removed. I do not understand why XXXX  XXXX XXXX and/or XXXX will not remove this last account but I would like it either done, or explained. 
Thank you for your time.
Consumer complaint received 2020-09-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION (TX)

I came in to make a withdraw, after leaving noticed my account was negative. I immediately told the teller to return the money. I asked if there was going to be a fee, it needed to be reversed, she said to call customer service. I told her, i wouldnt as they are a joke and that i would back to the branch to fix the issue. She said yes. Next day, with the fee. I headed to the bank. She quickly dismissed what was mentioned yesterday began rolling her eyes and with a heavy sigh brushed me off when i asked to speak with a manager. ( XXXX XXXX )
Consumer complaint received 2022-04-13
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting Act the following companies listed below have violated my rights as a consumer. 

15 USC 1681 Section 602 A states I have the right to privacy.

15 SC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

There must be written instructions by me to have anything written on my credit report and I never gave that authorization. 

Accounts : XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-04-05
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: Experian Information Solutions Inc. (MI)

I have disputed XXXX XXXX XXXX, account number XXXX on XXXX XXXX, XXXX and XXXX. 

This furnisher is not forthcoming with actual legitimate verification. 

This furnished information is inaccurate and can not be substantiated. 

This account still remains on my credit report.
Consumer complaint received 2020-12-17
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

On XX/XX/XXXX, I purchased a XXXX XXXX XXXX XXXX from XXXX XXXX in XXXX, Ohio. I used Capital One Auto Finance preapproval for the vehicle loan, and the process was very simple. 

Because the process was very simple and easy to use, I decided to pursue a joint auto loan with Capital One Auto Finance with my son to help him get a newer vehicle and help his credit. 

On XX/XX/XXXX, we applied for a new preapproval with Capital One. We were preapproved with a {$60000.00} purchase option. We had to submit address verification for my son XXXX. We submitted the address documents, and the loan was fully approved by underwriting per Capital One agent. We would just need to go to the dealership and select the vehicle. 

I was advised to purchase it as soon as possible as the XX/XX/XXXX vehicle purchase could show up on my credit report causing a change in the interest rate. No one said a word about only one loan per 30 days. 

On XX/XX/XXXX, XXXX and I went to XXXX XXXX in XXXX, Ohio, which is over a two hour drive. Upon negotiating with the dealer, we went ahead with our loan application to finalize the approval and secure the loan. Upon submission, the dealership was told Capital One denied the loan because there was another loan funded within 30 days, and we were not allowed to apply for another loan from them. 

Since we made the application at the dealership, Capital One made a hard pull from XXXX and I 's XXXX, XXXX, and XXXX XXXX credit report. There is no reason for me being denied a loan, as I called XXXX XXXX XXXX XXXX and had an instant approval. Per the dealership, my credit score was XXXX and my son 's was XXXX. 

I have 3 % revolving debt with {$90000.00} available credit. I make well over {$100000.00} annually, and the only other debt I have is student loans. I have plenty of credit with no late payments on any account. We recently sold our house, which is why I do not have a mortgage any longer. 

There was no reason for Capital One Auto Finance to deny my credit. I have impeccable credit, and I have not been denied a loan, credit card, etc. in the last 10 years at least.
Consumer complaint received 2022-10-20
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

I questioned the validity of Experians investigation by demanding proof of the investigation, proof of the late payments and proof of any person that received any update about previous dispute. I believe every time I have submitted a dispute on this account Experian has violated credit reporting rules. Please see attached letter.
Consumer complaint received 2022-04-13
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. (PA)

I know according to the FCRA i have a right to the following : Dispute incomplete or inaccurate information in your report. and Credit reporting agencies are obliged to correct or delete inaccurate, incomplete or unverifiable information.

Im very unhappy at the fact that there is inaccurate information on my credit report, and the furnisher failed to submit sufficient proof to validate the inaccurate account. I know the FCRA allows me to dispute directly with the furnisher after disputing with you. You told me that you verified the account with the furnisher but they could not provide me with sufficient proof to back up their reporting. 

How can the Credit Bureaus verify if the furnisher could not? What information did they use to verify the account? The law is very clear on this issue, if it is unverifiable, then it must be deleted. 


Thank you for your time and help in this matter. Sincerely
Consumer complaint received 2021-01-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. ()

On the XXXX XX/XX/2020 I tried to purchase XXXX worth of a cryptocurrency called XXXX. As soon as the money came out of my account, coinbase website went down. 

It then resumed normal service but the cryptocurrency that I bought hadnt been transferred into my digital wallet. 

Coinbase then refunded me the money. The problem now is they have locked my account with a message saying we ran into a problem collecting funds for a recent purchase. Please complete this payment to restore your account. 

It has nearly been 1 month, I have raised 5 tickets with support alongside trying to contact them on XXXX and XXXX with no avail. 

There are so many people encountering this problem as I believe coinbase could be trying to purposely hold peoples money for whatever reason they deem acceptable.
Consumer complaint received 2022-09-12
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: Experian Information Solutions Inc. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX credit bureaus to validate this account ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX  XXXX Date Opened : XX/XX/2013 Balance : {$0.00}
Consumer complaint received 2021-01-02
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: TOYOTA MOTOR CREDIT CORPORATION (PA)

In XXXX of 2020 I was laid off from my position due to Covid19. I have a small car loan with Toyota Financial, and they agreed to a forbearance program for the months of XXXX through XXXX. When the 3 months expired, I called and asked them for an extension, in which they agreed to. They stated that I had to sign a new agreement form and send it back to them. Upon receiving the new form, I signed it and sent it back immediately. I did not hear anything more from them so I did not make my XXXX and XXXX payments. At the beginning of XXXX I received a phone call from Toyota Financial 's collection department stating that I was behind on my payments. I explained that I had an agreement that I would not have to make the payments for the months that they claimed I was delinquent, and they stated that they did not received my signed form back so they did not put the agreement through. I never received any notice up until this point that they had not received the form, or that any payment was being considered late. I asked the girl if I should pay something in order to not have my credit effected, and she stated that she was going to send a new form and as long as I signed it and sent it back that I would be fine. I did so immediately. A week later, I received a notice fromXX/XX/XXXX XXXX whom I have a monthly monitoring service with ) that Toyota Financial had reported a 30 and 60 day late on my credit report for the months of XXXX and XX/XX/2020. I immediately called them and they claimed that there was nothing that they could do. I filed a dispute with all major credit reporting companies and the results came back that they took the 30 day off for XX/XX/2020, and kept the XXXX delinquency on my report, changing it to a 30 day late. I have now re-disputed my case with all credit agencies 3 times, providing the documents from Toyota Financial that prove I was not to make my payment for that month. The results continue to come back the same, Toyota Financial refuses to remove this from my credit report. I have also contacted Toyota Financial numerous times only to be told that they will not help me. I am XXXX years old and have never in my life had a single late payment. My credit has dropped 100 points due to this and I am hoping that someone can help me to get this removed from my credit like it should have been from the beginning.
Consumer complaint received 2021-01-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WI)

My Name is XXXX XXXX and my mom XXXX XXXX XXXX XXXX and I had two joint accounts : checking ( act # last 4 - XXXX ; and XXXX XXXX  ( act # last 4 - XXXX ). 

She was diagnosed with a XXXX XXXX XX/XX/XXXX and I arrived at her home from Wisconsin on XX/XX/XXXX and took care of her at home until her death XX/XX/XXXX. 

Shortly after my mom passed, I called the Bank of America to notify them of her passing and asked these two accounts be closed. They told me a form would be mailed and to complete it and send it in and the two accounts would be closed. I arrived back home in WI on XX/XX/XXXX and did not receive the form in the mail until mid to late XXXX. I completed it, enclosed a copy of her death certificate and sent it to them and never heard anything back from them. 

Around the time my mom died, I noticed on the monthly bank statements the bank started charging a new {$25.00} fee each month for the checking account which had never been charged before. I called them and the person I spoke with said it was a new fee and I asked what it was for and he said it was a new fee and he didnt know what it was for. I asked for the fee to be waived since it was new and given the circumstances of my mom passing and me wanting to close the two accounts. He talked to someone else while I was on hold and came back on the line and said fee could not be waived. 

My brother recently mailed me a check and also enclosed two of their bank statements they mailed to my moms address with the last statement ending XX/XX/XXXX. I received his envelope today from my brother. The bank has not mailed any statements to my home address which they have on file. 

The bank has continued to charge the checking account {$25.00} a month and nothing indicates these accounts have been closed despite mailing the required completed form and death certificate to them over 2 months ago. The checking account shows a NEGATIVE balance of {$48.00} as of XX/XX/XXXX.
Consumer complaint received 2020-12-02
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. (CA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-07-28
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. (FL)

I sent a letter off on XX/XX/2022. Here is my tracking # XXXX, to remove personal information that I don't want on my credit report. According to the Fair Credit Reporting Act,

15 USC 1681, I have the right to privacy. Also, according to 15 USC 6802, no financial institutions are suppose to share my information to third party people. These are clear violations of my federally protected consumer rights.