davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-23
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: STERLING JEWELERS, INC. (CO)

I got a ring in XXXX from Jared Jewelers. I have NEVER received a bill in the mail and have verified all the information. Before ever getting a bill I started getting calls every few minutes. Turns out I was late and no one said anything. I never got an email, never got a letter, just constant calls. I set up payments with Jared directly and was told everything was fine. XXXX of the payments declined for some reason that is still unknown to me. I was never notified of that until the calls started all over again. I was laughed at when I called back. I also let the lady that I spoke with know that I was getting calls after XXXX which is against the FCC rules. I still have yet to get a bill and I still have yet to get any actual notice of billing or amounts owed.
Consumer complaint received 2017-12-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc. ()

XX/XX/XXXX I did two transfer of XXXX every transfer so in total XXXX but in my coinbase account is XXXX when I call customer service support they told me that there was a delay in the SEPA transfer but XX/XX/XXXX I did a test with small among of money I transfered XXXX andi arrive one day later to my coinbase account. I am really scared because The service support told me that They do n't see the wires transfer from my side, but it is really weird because after the two transfer in my coinbase account in Method of payment appeared my bank account number and I have never put the data inside. The Ticket number that customer service gave me are XXXX. 
They can find more information about transfer documents with all the details inside. 
XX/XX/XXXX I talk with my bank and they are claiming to his bank ( XXXX XXXX XXXX ) the transfers what I did because the answer of Coinbase is that both transfers never arrived.
Consumer complaint received 2023-04-18
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Bridgecrest Acceptance Corporation (PA)

Hello, I have an auto loan with Bridgecrest for about {$13000.00}. 

Due to a combination of extreme circumstances, including my job requiring me to go into the backcountry off grid and my father passing away, I missed several of my monthly payments, to the point where I'm about {$2000.00} behind. 

Additionally, while inflation and the cost of living has drastically increased, my salary has remained the same. Given these higher expenses, the auto loan was harder and harder to afford. 

Still, I have saved about {$5000.00} and I am trying to pay Bridgecrest that amount, which is {$3000.00} MORE than what I owe. They are refusing to accept anything other than {$13000.00}. 

Bridgecrest said they " charged off '' the loan and that they want to repossess the vehicle. I asked them multiple times for a reinstatement quote and they refused. I asked them if I could pay {$5000.00} to them immediately, and they refused. If I lose my vehicle I will lose my job, i absolutely can not lose it. All I want to do is pay what I owe and they won't let me.
Consumer complaint received 2023-04-19
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)

To whom it may concern, I've already sent a letter to the creditor asking them to remove this late payment. They have not abided by what I have requested. They also violated my consumer law because they never gave me the option to opt out from reporting this information to a third party. 
15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information is not disclosed to such third party. 

Payment Date : XX/XX/2020 XXXX Bank Account # XXXX
Consumer complaint received 2023-04-18
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. (TX)

The following unauthorized inquiries are showing on my credit report : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-19
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: SANTANDER HOLDINGS USA, INC. (SC)

I am writing to file a complaint against Santander, the auto lender, and XXXX of XXXX, the dealership, regarding the purchase of a XXXX XXXX XXXX. On XX/XX/XXXX, I purchased the car from XXXX of XXXX, located at XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX. At the time of the purchase, I was freshly XXXX XXXX XXXX and lacked the knowledge and experience to fully understand the transaction. 
The dealership took advantage of my lack of knowledge by not disclosing crucial information regarding the car 's condition and the terms of the contract. The car had a listed mileage of XXXX miles, but the odometer showed XXXX miles. Although the sales agent promised to adjust the price accordingly, it was never done. The dealer failed to include my exact model/trimline of my vehicle on my agreement and didnt put my insurance companys name or policy number on my agreement. Furthermore, the dealership did not include the agreement to break my down payment into two payments in the written contract.

I was also offered a warranty, which the dealership promised would cover everything. However, the car started overheating due to the radiator fan just 2-3 weeks after the purchase. When I took it back to the dealership, they informed me that it was not covered under the warranty because it was part of the electrical system. I was shocked to learn that I was not enrolled in bumper-to-bumper coverage, which I was promised at the time of the sale. 
I feel that the actions of XXXX of XXXX and Santander have been grossly misleading and negligent. They violated my rights as a consumer and took advantage of my inexperience in purchasing a car. The negative reports that Santander has made to my consumer report have made it extremely difficult for me to obtain credit extensions, which has caused significant financial hardship. 
I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against these businesses. They must be held accountable for their actions and prevented from treating other consumers in a similar manner. 
Thank you for your attention to this matter.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

According to my recently pulled credit report, Bank of America checked my credit report on XX/XX/year>. I did not authorize this. I contacted them and was advised that they did not have an application under my SSN.
Consumer complaint received 2023-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (AZ)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX RE : Validation Required over XXXX years old XXXX  XXXX, XXXX To Whom It May Concern, EXPERIAN, XXXX, XXXX Ive reviewed a copy of my credit report and found a number of negative accounts that are older than seven years. Here are the accounts that should be removed because over XXXX years old : XXXX XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) XXXX XXXX XXXX XXXX, XXXX ( XXXX yrs, XXXX mos XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) XXXX XXXX XXXX XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) I want you to know that I understand my financial obligations, and Id have an excellent repayment record. I made a mistake in falling behind, but since then, circumstances have changed and I have improved my money management. Since then, Ive had a spotless record of on-time payments. 
Im planning to apply for a mortgage/auto loan/etc., and its come to my attention that the accounts thats over XXXX years old could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove all accounts thats over XXXX years old. 


Fair Debt Collection Practices Act, XXXX5 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

I will await your reply with above requested proof. Upon receiving it, I will correspond back with you. Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Ive been disputing my account with TransUnion, XXXX and XXXX for quiet sometimes now and they still have not modify or delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( i ). 

TransUnion Account # : XXXX XXXX Account # : XXXX XXXX  Account # : XXXX I have sent and screenshot of my credit report as long with my credit report and this debt has been canceled you can see it on the comment section. If Im not mistaken canceled means that the debt has been written off to the IRS so I have every right to have this account removed from my credit report.
Consumer complaint received 2023-04-19
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

A vicious scam happened to me from XXXX XXXX XXXX. I was deceived into a fraudulent investment scheme about XXXX XXXX. I was skillfully duped to transfer my personal savings from my checking /saving accounts at Bank of America to some international institutions used by fraudsters to fund my investment account. The funds were stolen as soon as leaving my bank accounts through wire transfers. 
The following were the dates and amounts on these wire transfers. 
XXXX XX/XX/XXXX XXXX $ XXXX Claim # XXXX {$72000.00} XX/XX/XXXX Claim # : XXXX {$60000.00} XX/XX/XXXX Claim # : XXXX I contacted Bank of America through OCC as well as CFPB last XXXX XXXX There is no formal response from Bank of America and my concern/questions were not addressed except brief statement about unsuccessful attempts of these wire transfer recalls. There was no details about where my funds went and the identities of recipients ( or fake identities maybe ). In my previous complaints to Bank of America, I listed some points of negligence and lack of fraud protection in handling my wire transfers from Bank of America. The total amount of {$330000.00} were stolen from this vicious scam. Its my life time savings and retirement funds. The authorized wire transfers were not legitimate because its a scam and fraud. I sent my money and thought it went to my investment account but instead, it went into fraudster accounts. 
I request Bank of America to investigate these transactions and provide the detailed information about my previous inquiries. What did your fraud protection department do when larger amount of funds were transferred in such short periods repeatedly? There was one wire transfer was blocked on XX/XX/XXXX by fraud department but the same receiving account were used next week without any issues and wired funds went through. Why there was no alerts and warnings, if there was suspicious activities in that checking/saving accounts previously?
Consumer complaint received 2023-04-19
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. (SC)

In accordance with the Fair Credit Reporting act. This account violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In accordance with the Fair Credit Reporting act. This account violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-19
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. (AZ)

To whom it may concern, I've already sent a letter to the creditor asking them to remove this late payment. They have not abided by what I have requested. They also violated my consumer law because they never gave me the option to opt out from reporting this information to a third party. 
15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information is not disclosed to such third party. 

Payment Date : XX/XX/2020 XXXX XXXXk Account # XXXX
Consumer complaint received 2023-04-18
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: NAVY FEDERAL CREDIT UNION (MD)

Multiple transactions have been done on my account from XX/XX/XXXX to XX/XX/XXXX XXXX and I noticed it in XX/XX/XXXX when i was about to pay my car loan when i received a message of insufficient funds whereas i had just deposited a check in my account ( I usually deposit a check into my account every Friday or Saturday but stopped when I noticed this problem ) .The next day I informed my bank ( Navy Federal credit union ) by phone, I was given the a phone number of the fraud department. I called several times and i was asked if i know XXXX XXXX who had removed {$2000.00} ( XXXX XXXXXXXX XXXX ) and {$110.00} on XXXX  from my account. On this same XX/XX/XXXX, Someone added {$600.00} of credit card cash advance to my account.. 
Early XX/XX/XXXX, I went to the bank for the third time and asked for my account statement then realized that there were two loans ( {$4500.00} on XX/XX/XXXX at XXXX and {$2000.00} on XX/XX/XXXX at XXXX ) that were issued to my account without my knowledge. 
Also, after several attempt to know where this money was transferred, the bank gave me a document showing the account number where {$2100.00} were transferred to and I don't know the owner of this account. 
Facing this situation, I have been report to the credit Bureau and each time I deposit a check or money into my account, it is automatically taken .I have tried several times to resolve this problem with the bank but they keep on telling me about privacy .Please I need help in resolving problem with is negatively impacting my life.
Consumer complaint received 2023-04-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

My personal information where used to open several accounts under my name that I did not authorize or give consent to do so per Consumer ID XXXX XXXX XXXX XXXX has been a victim of identity theft Federal Trade Commission report of inquiries as well as inaccurate information
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I XXXX XXXX XXXX, as the duly appointed Subrogee and Executor of the XXXX XXXX XXXX XXXX ESTATE ( and any and all derivatives spelling ) have been seeking for immediate action and fiduciary trusteeship of EXPERIAN due to erroneous information reporting on our credit profile, false and misleading information, defamation of the character and breach of privacy on the estate. EXPERIAN has failed to properly remedy and investigate this matter. SEE ATTACHMENTS for further detailed and all notices and documents that have been sent to EXPERIAN, including USPS tracking number and screenshot of date of delivery. You EXPERIAN are reminded of your fiduciary obligations under trust law, which obligate you to act in good faith and protect the interests of the Beneficiary ( XXXX XXXX XXXX ). One of the principles of equity is " One who comes to equity must come with clean hands ''. EXPERIAN has a fiduciary RESPONSIBILITY to be in honor and act in good faith. Im expecting no more than 5 ( five ) business days for our credit file to be updated with the accurate information and status [ SEE ATTACHMENTS ], as it should have already been. Another principle of EQUITY is " Equity recognizes what should have been done as already done ''
Consumer complaint received 2023-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Lexington Capital Holdings LTD (FL)

I received the below email after a phone call from the company. Rep said all I needed was a XXXX credit score. I repeated that's all he said yes, so I went to the provider to get the requested report. After I sent the report with a higher-than-required credit score, they said I had late payments from 3 years ago I needed to speak to their " credit specialist, XXXX from underwriting, '' who also has an email address URL with the same company. XXXX. XXXX called me to begin to sell me credit repair to remove " my late payments '' from my credit report for a cost. i ended the call because i had already spent money on their referral credit company https XXXX XXXX  which makes you sign up for a credit monitoring service for $ XXXX. This is a total scam and Lexington Capital Holdings which is affiliated with XXXX XXXX XXXX are both selling credit repair to consumers NOT 0 % business loans as they offered to me. This needs to stop before it gets out of hand. 




Hello, It was a pleasure speaking with you.

At Lexington Capital Holdings, we work with many businesses around the country to provide them with the capital they need. We are excited for the opportunity to do the same with you! 

Applying to XXXX XXXX Line of Credit program can promise you a few things. Traditional financing options, Monthly payments with 0 % interest up to 24 months, and forever revolving lines. 

Documentation Needed For Approval Process : XXXX  Credit Report You can email it over to me at XXXX Upon receiving that information, I will immediately start the approval process. 

How To Access XXXX XXXX  CLICK HERE FOR XXXX XXXX CREDIT REPORT Make an account Click View most recent report Hit Print this page Change the destination to print as pdf Attach pdf to email and send to us
Consumer complaint received 2023-04-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (VA)

I filed a dispute in 2022 with XXXX XXXX. They reversed my credit and closed my account. I submitted several documents to them for a reconsider of my disputed charges. They had valid proof and evidence that I was not the one who made these charges and they denied my dispute. From XX/XX/2022 to XX/XX/2022 they did not reach back out to me or notify me. I had to call and once I did they said my evidence was not enough. I then submitted more evidence to them and they decided not to reopen my dispute after an agent told me to submit my new evidence and they will reopen my dispute. All of these conversations can be looked at in their system.