davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-30
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. (CA)

In accordance with the Fair Credit Reporting act Account Name : XXXX XXXX XXXX CALIFORNIA Account # XXXX Account Name : XXXX XXXX XXXX CALIFORNIA Account # XXXX Account Name : XXXX XXXX XXXX CALIFORNIA Account # XXXX Account Name : XXXX XXXX XXXX CALIFORNIA Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX XXXXI XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the Right to Privacy. 

15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last complaint, dated XXXX XXXXand I have not received any response up to this date. Besides, the inaccuracies about my inquiries are still on my reports. Therefore, Equifax failed to comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continuously reported as unverified information on my Credit Report. Here are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXDate of Inquiry XX/XX/2020 XXXXDate of Inquiry XX/XX/2020 XXXX XXXX-Date of Inquiry XX/XX/2020 XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX-Date of Inquiry XXXX XXXXXXXX XXXX  XXXXXXXX XXXXDate of Inquiry XXXX XXXX, XXXX
Consumer complaint received 2021-11-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION (TX)

On XX/XX/2021, I was at a grocery store attempting to pay for my groceries and my card kept declining. This was strange because I knew I had funds in the account. So I attempted to login to my online banking with Suntrust now Truist and it said my access was revoked and to contact customer service. So I called customer services & was advised my account was being closed. When I asked for the reason, I was advised that they can not provide a reason over the phone and that I would receive a letter in XXXX business days. Today is XX/XX/XXXX, XXXX I have contacted Suntrust every single day since XXXX XXXX and nobody has been able to assist me. I spoke to a customer service rep at XXXX on XXXX XXXX and they advised that my account closure process has been reset because I was charged {$3.00} for a paper statement fee? In the XXXX years I have banked with Suntrust, I have NEVER received a paper statement so why now??? Customer care left me on hold for over an hour just to hang up on me. So now its been an entire month and my account is not closed and they are holding {$33000.00} of my money and refusing to assist me. I have filed a complaint with the federal reserve and I will continue to take it as far as I need to.
Consumer complaint received 2021-11-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (OR)

Coinbase closed my account without any sort of justification after I reported fraudulent transactions on their platform. 

For context, I was scammed into sending Bitcoin to a scam website called XXXX XXXX XXXX These transactions occurred via the Coinbase platform. 

I started investing about {$2200.00} in Bitcoin futures on XXXX XXXX XXXX in XX/XX/XXXX. This was transferred over to this fraudulent website through Coinbase ; I directly purchased Bitcoin from Coinbase to fund this investment. Each Bitcoin purchase on Coinbase came with transaction fees, which I estimate to be several thousand dollars. 

XXXX XXXX XXXX then charged me several fees to withdraw my money that amounted to over {$350000.00} that I purchased in Bitcoin through Coinbase. These fees are as follows : XX/XX/XXXX : A risk fee of XXXX % XX/XX/XXXX : A profit tax of XXXX % XX/XX/XXXX : A green channel fee of {$25000.00} XX/XX/XXXX : An exception fee of {$18000.00} XX/XX/XXXX : An XXXX XXXX XXXX XXXX XXXX fee of {$28000.00} XX/XX/XXXX : A handling fee for withdrawal of {$15000.00} XX/XX/XXXX : A XXXX XXXXXXXX  XXXX fee of {$25000.00} XX/XX/XXXX : A XXXX % profit tax, where they threatened to freeze my assets under a XXXX XXXX XXXX XX/XX/XXXX : A US Capital Gains Tax of $ XXXX  % XX/XX/XXXX : A processing fee of {$58000.00} XX/XX/XXXX : A late fee of {$74000.00}, where they threatened to freeze my assets XX/XX/XXXX : A high risk address deposit of {$100000.00} After paying all the fees, I was unable to withdraw my money. I then reported this fraudulent website to the authorities : XX/XX/XXXX : XXXX XXXX XXXX XXXX Sheriffs Department XX/XX/XXXX : XXXX XX/XX/XXXX : FTC via XXXX XX/XX/XXXX : Consumer Financial Protection Bureau XX/XX/XXXX XXXX  via Tips, Complaints, Referrals I reported the fraudulent transactions to Coinbase on XX/XX/XXXX. Coinbase, instead of cooperating and helping me to report the incidents to the authorities, froze my account making me unable to access any information. They then withdrew my remaining money into my XXXX account and closed my account on XX/XX/XXXX. 

This is completely unacceptable, as Coinbase was the platform in which I sent fraudulent transactions. Closing my account and refusing to cooperate with the relevant officials is not only suspicious, but also irresponsible as a digital wallet platform. Instead of being part of the solution for this fraud case, Coinbase has now become a roadblock to me recovering my stolen funds.
Consumer complaint received 2021-11-29
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: TOYOTA MOTOR CREDIT CORPORATION (NH)

At the end of XX/XX/XXXX I totaled my XXXX XXXX. I returned to XXXX XXXX XXXX, the dealership I had purchased my car from, to buy a new car. I had purchased GAP insurance for the XXXX XXXX at XXXX XXXX when I had financed the car. I have XXXX XXXX XXXX and they covered {$15000.00} of the balance of my car. There was a {$3000.00} balance which would be covered by my GAP insurance. I leased a new vehicle and when I went to make my first months payment in XXXX realized there was still an account open for the XXXX XXXX. This account had me XXXX payments behind with a balance remaining on this car that had been paid off by my insurance and GAP insurance. At this point I began to contact the dealership to try to understand why my car had not been paid off and I have been given the runaround ever since. I have been told multiple times that it is Toyota Financial I need to communicate with as they are the actual company who would take care of this matter. Every time I call Toyota financial I am left on hold for more than 45 minutes I am given an operator who does not know how to remedy my situation I am told to call a different phone number and when I call that phone number I receive the same runaround. I have put in request to have supervisors call me back Ive never received a call back from anybody. In the meantime while trying to get to the bottom of why theres {$1000.00} balance left over on a car that should be paid off I was applying for an apartment and was notified theres a negative credit report from Toyota financial saying I owe them {$1000.00} so now I realized that they did not remedy the situation they have never contacted me and instead sent the balance that they should have covered XXXX collections in my name, which is now negatively affecting my credit. When I speak to the finance department in XXXX  XXXX XXXX Ive been made aware that the discrepancy all happened from someone in their loans department entering in the amount of money my insurance paid off on the total amount due on my car incorrectly therefore gap insurance paid an incorrect amount because it looked as though there was only {$2000.00} balance when it was actually {$3000.00}. Three weeks after them realizing what their mistake was there has been no resolution I have still not received a single phone call and my credit is still being negatively affected. I have asked multiple times to speak to a supervisor or someone who can actually remedy the situation for me not only to close my account but also to remove the negative report to the credit agency and fix my credit. I dont believe as a consumer that I should have spent the months of XXXX, XXXX and XXXX trying to get Toyota financial to fix their own mistake. And as a consumer I absolutely should never have received a negative credit report on something that they did incorrectly. I have yet to receive any type of solution to the situation and in the meantime my credit is being affected negatively.
Consumer complaint received 2022-08-23
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: Experian Information Solutions Inc. (CA)

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXX, XXXX  XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX  XXXX # XXXX, XXXX XXXX XXXX # XXXX, has violated my rights. 

15 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
Consumer complaint received 2022-08-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 XXXX and TransUnion 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 these reporting accounts 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 XXXXXXXX XXXX Date Opened : XX/XX/2019 Balance : {$2000.00}
Consumer complaint received 2021-11-29
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. (PA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve.My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by TransUnion. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the accounts that are still reporting on my account :
Consumer complaint received 2021-11-29
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. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process.My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by TransUnion. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX
Consumer complaint received 2022-06-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

After talking to all these representatives and given the run around, it looks like the Bank of America department that handles the Homeowners Assistance fund does not share any information with the Bank of America Home Retention Department. 

I applied for Homeowners Assistance Fund which BofA had to approve. Took BofA a long time to approve. Wasnt approved until I called I and was told oh this is a new program. 

Called in to find out about status of homeowners assistance fund and told they know nothing. But still insisted my deadline to sign deferral papers is XX/XX/2022. 

No options as to what happens if I sign deferral and BofA receives payoff from Homeowners Assistance fund. No option to extend the deferral date to allow them time to receive the payment. 

Conclusion : Bank of America is trying to get paid multiple times from multiple sources and to the not to help the consumer. This process is not fair to consumers. 




On XX/XX/XXXX spoke to representative named XXXX given no information about the mortgage assistance program. 


XX/XX/2022 XXXX XXXX-told they do not communicate with that department. And I needed to call HUD. I then asked to speak to manager. Said she would send a request XXXX XXXX. Asked to speak to a supervisor said she could not send a request to a supervisor but would have to send the request and needed to transfer the escalation person. Was transferred XXXX XXXX. 
XXXX XXXX Asked for a supervisor. Said she would sent an email to supervisor. 

Also they do not communicate with the BofA department that handles Homeowners assistance fund. And the Homeowner Assistance fund department at BofA does not talk to homeowners.
Consumer complaint received 2023-06-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Block, Inc. (ME)

Received an unsolicited debit card in the mail from Cash App. Reference on the debit card was to cash.app/help and indicated the card was issued by XXXX XXXX  XXXX I do not currently hold nor have I ever requested to establish an account with Cash App or XXXX XXXX. I believe that there is potential fraudulent activity being conducted in my name. 

When seeking to contact XXXXXXXX XXXX the Bank website indicated that they were unable to assist and that all inquiries should be directed to Cash App, a division of Square. I called the number listed on the XXXX XXXX website ( XXXX ). The Customer Support representative that answered the call requested my e-mail so that I could submit photos of the card. I informed him that I felt that sending photos of the card was unnecessary and that I believed that my report and concern could be addressed via the phone. I offered to give him the debit card number at which point he indicated the only way to handle my report was to submit photos via e-mail.
Consumer complaint received 2021-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I logged into my credit report for Equifax on XX/XX/XXXX like I do every Friday. This is the first time this has ever showed up on my credit report and it said it has been opened since 2016. I have no idea what this bank is, never got anything in the mail from them, never seen this before. I called and gave them my SSN and they have nothing for me under it. They just slapped a random card on my report and called it a day. Im trying to buy a house I cant have a credit card with 101 % usage on my credit report. This is a violation of the FCRA.
Consumer complaint received 2021-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process.My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX Date of Inquiry XX/XX/XXXX
Consumer complaint received 2021-11-29
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've called Experian Dispute Center via telephone number XXXX on Monday, XX/XX/2021 at approximately XXXX EST and Talked to a Specialist by the name of XXXX XXXX 

I've asked XXXX, how Experian scores are calculate and how it arrives at XXXX XXXX score on my report, when both XXXX and XXXX are showing a XXXX score of XXXX and XXXX  respectively. I asked her, how could the scores are so far off when the other Credit Reporting Agencies has the same information! The specialist couldn't provide an answer nor a specific link from its own website. And when I asked to be transfer to a Supervisor or a Manager, she just said " there's no one to speak with besides me ''. 

Furthermore, I asked her if debt to income ratio is under 4 % and my credit utilization is under 3 %, how do you explain such a low score.
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AL)

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. 

Account Name : XXXX  Account XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

15 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-11-29
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. (AZ)

My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.
Consumer complaint received 2021-11-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (NH)

Let me begin stating we had Never missed a payment prior to Covid-19. Due to Covid-19 the main provider in the home was furloughed from his position. Around XXXX or XXXX of XXXX we were sent information about rent and mortgage deferment to help those affected by the Coronavirus and accepted that solution. We could be in a better place to make regular payments in XX/XX/XXXX. However, I received a letter indicating we must come up with the entire deferred amount or default. That amount is {$26000.00}. We could not possibly make such a payment. We are asking was that supposed to be the case as part of the covid relief? I XXXX any help!