davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On my XXXX credit report there exist two hard inquiries by ( BOA ) Bank of America dated XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. I contacted ( BOA ) spoke with a representative and requested a letter of deletion. They said NO because I requested a credit line increase and the inquiry was valid. It was never disclosed to me at the time of my inquiry that a credit report would be pulled ; and when I asked for proof of said I was told " they can not provide this information to me. I responded by saying " I have a legal right to this information ''. I was agan denied ; and was told that a complaint would be filed. I the spoke with a supervisor who said " They do not have a scripts that require them to inform customers nor are they required to because it is in there terms and conditions. I responded by asking where?, because I could not find this in there terms and conditions. I am affirmed that this encounter was deceptive and violates my right in making an informed decission. My right to disclosure at the time of said is without parallel.
Consumer complaint received 2018-01-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (TX)

**This Complaint is not a Duplicate** Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued willful violation of the Fair Credit Reporting Act regarding your refusal to delete all of the UNVERIFIED account information from my consumer file. Despite my three written requests and complaints, the unverified items listed below still remain on my credit report in violation of Federal Law. In the results of your re-investigations, you stated to the Creditor Bureaus that you verified that these items are being reported correctly? You still have not identified who in your company verified the accuracy of these accounts or how they verified them? As previously pointed out to you, XXXX Law Dictionary, 6th Edition, 1990, defines Verification as,  Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. What this means is that your company must be willing and able to produce a document that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. Your failure to provide me with verifiable proof required for your company to post the accounts listed below is evidence that it does not exist and therefore is proof that you cant properly Verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Consumer complaint received 2018-01-10
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

On XXXX, XXXX XXXX on line opened a cd account with Capital One. On XXXX our bank transferred {$30000.00} to Capital One. Upon learning that the cd was a non-ira account and that Capital One would not or could not change the account to an ira account, XXXX closed the account on XXXX expecting the {$30000.00} to be transferred to our bank account immediately. We have not received the {$30000.00}. Talking to XXXX from Capital One on XXXX, he said some verification has to take before sending our money which they have back to us. He said to expect this my XXXX and that we might not get the money until XXXX. 

This is outrageous, the account is closed, they have our money and will not return it to us and they know where to send the funds which is the same place where it came from.. As far as I am concerned Capital One has an authorized usage of our money from XXXX until the time we get it. This is free money for them. This is my complaint. This is illegal, and if not, it should be illegal.
Consumer complaint received 2018-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (VA)

Wells Fargo is reporting that I am 30 days late on my XXXX payment. I have sent a letter to Wells Fargo showing them that my XXXX payment was made on XXXX/XXXX/XXXX well before the 30 days. They sent me a letter back stating that they were not going to change the showing of the late payment. Wells Fargo is, also, reporting that my XXXX payment is 30 days late as of XXXX/XXXX/XXXX. However, a payment was made on XXXX/XXXX/XXXX that was effective XXXX XXXX, XXXX. So either way if they are showing a XXXX payment late my payment was made effective XXXX XXXX and if they are showing a XXXX payment late, how can a XXXX payment be late 30 days if it has n't even been 30 days since my payment. Also, after the XXXX/XXXX/XXXX payment it was showing my next payment was n't due till XXXX XXXX, XXXX.
Consumer complaint received 2018-01-10
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (MD)

On XX/XX/XXXX my American express card was taken. On that day 18 transactions totaling around {$1800.00}. I ( contacted them on XX/XX/XXXX and the XX/XX/XXXX and they told me to go online and file a claim. I went onto the american express website and filed my claim that day and faxed over signed forms that they needed. They told me to wait ten business days for a credit. Now it is the 10th business day. XX/XX/XXXX and no one wants to give me an answer. They denied my claim and stated reason was " no error '' I 've been on hold over an hour ... no supervisor to speak with. They refuse to have the dispute team contact me or tell me any reason they came up with for no error.
Consumer complaint received 2018-01-10
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: EQUIFAX, INC. (FL)

My boyfriend acquired an account for cable services with XXXX XXXX back in XXXX of XXXX. In XXXX of XXXX I became an authorized user on my his account. I was told by a XXXX XXXX representative that by becoming an authorized user that I would be able to call in and make changes to his account and make payments. At no point of becoming an authorized user on his account did I provide my social security number. My boyfriend terminated his account with XXXX XXXX in XXXX XXXX. On XXXX XXXX XXXX I received an email from XXXX XXXX informing me that XXXX XXXX has put this outstanding balance onto my credit report. It shows as being responsible for {$600.00} with XXXX XXXX on both my XXXX and Equifax reports. I immediately called XXXX XXXX for an explanation as to how I, solely an authorized user could have a balance on my credit report when I was not the account holder and had NOT provided my social security number to them. The representative told me that we, we being my boyfriend and I collectively share debt. I told her that she was incorrect and that I wanted to speak to a manager or to someone to dispute these actions. She then told me that I was absolutely correct and that I do n't have an account with them ( XXXX XXXX ) and that I was only an authorized user and should n't have been charged. She then pointed me to their website to begin the dispute process.
Consumer complaint received 2018-01-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (TX)

My name is XXXX XXXX last four of my SSN are XXXX. Date of birth is XX/XX/XXXX1961 Address is XXXX XXXX XXXX XXXX tx XXXX. I have requested verification and validation of debt per my right under the FDCPA section 809 ( a ) and ( b ). This company refuses to provide and continues to report a disputed debt on my credit report which is a direct violation of the FCRA. They are also no bonded to collect my state. I will be consulting with an attorney to seek actual and statutory damages against this company for violating my rights. I demanded proof that this debt is mine.
Consumer complaint received 2018-01-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Identity theft fruadulent open accounts and inquiry XXXX XXXX XXXX XXXX XXXX XXXX Date open XXXX XXXX, XXXX Amount XXXX Inquiry transunion XXXX XXXX Date XXXX
Consumer complaint received 2018-01-11
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. (PA)

Transunion Date : XX/XX/XXXX File # XXXX 3 Accounts wrong : XXXX XXXX XXXX XXXXXXXX XXXX XXXX there are 3 loans shown in error as XXXX as late. 
Account original loan amounts are in error as well to the original loan. 
There are ( 3 ) loans showing all in Error there was not no late payment XXXX as showing on all three loans by Transunion I have not received any updated credit report showing these student loans corrected on my credit file as of XXXX XXXX XXXX corrected need an updated report sent to me as proof that Transunion has corrected this error on there part for information gather or obtain incorrectly by Transunion DOCUMENT FROM XXXX XXXX XXXX as proof that they sent Transunion a request to update error on my credit file
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I am disputing the inclusion of incorrect personal information on my credit report. The details listed below are not related to me, and I have no connection to them. I request the prompt removal of this inaccurate information from my credit report. 

XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, TX, XXXX
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

I have attempted to dispute this item for the last ten months. My XXXX XXXX card account has been reporting that my account was negative in the month of XX/XX/2023. My account was NOT to my knowledge late in the month of XX/XX/2023. I have requested for proof that no payment was made on this account and the administrator of XXXX XXXX card services has been unable to provide this information. I have disputed this information with all three credit bureaus, Experian, XXXX, and XXXX. All bureaus have stated that this is verifiable information however when I ask for the documents used to verify I receive no response.
Consumer complaint received 2018-01-11
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

XX/XX/XXXX, I submitted an application to refinance my loan with Citizens Bank. This was based on the offer received via post office mail of a fixed rate loan along with a {$1000.00} XXXX gift card upon approval. When I applied for the loan I did not see the promotion on the web site so I contacted Citizens Bank, email and phone, at which point I was assured it would n't be a problem and they could honor this offer because it was still active. This occurred on XX/XX/XXXX. I contacted Citizens Bank again XX/XX/XXXX with a concern about their website and document submission, I reiterated my interest in the gift card and was told it would be handled upon approval. After waiting until XX/XX/XXXX with no contact with Citizens Bank, I was notified I was approved for a loan. This part created the reason for my complaint. 

Firstly, I was told because I did not submit a promotion code when I first applied in XX/XX/XXXX, I was not eligible to get the gift card they assured me I would get upon approval. They told me I needed to apply again for a separate loan altogether to be eligible for that offer. Plus, if I waited 5 days to do the new application they would have to do another hard check on my credit to see if I qualified for that second loan. 

Secondly, when I was navigating their online application, they attempted to steer me into opening a direct deposit checking account. In order to proceed through the application you either had to apply for the checking account or call for technical support to guide you decline their offer. This is what prompted me to contact citizens bank on XX/XX/XXXX. 

My XX/XX/XXXX phone call was a basic run around. I spoke with 2 representatives that told me that I would n't be given the gift card unless I started over. When I balked at the additional account they told me that when I look at my application again I would be allowed to proceed pass their checking account offer without a problem. After my conversation with them I felt uncomfortable doing business with this company and told them to remove my application from consideration. 

I was obviously left dissatisfied with their service. My concern is that they hooked me into applying with an offer they later refused to honor. Plus, when I thought I was as the final steps of taking their loan, they tried to steer me into applying for an account that i did not want and could not decline unless one of their representatives unlocked my online application.
Consumer complaint received 2018-01-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (OR)

Coinbase, Inc ( www.coinbase.com, XXXX ) clearly states that the incoming wire transfer takes 2-3 business days to get credited. After 4 business days, contacted Coinbase support but no help from Coinbase. Today marks the 8th day and the wire transfer amount has not been credited to my account yet. Tried to contact the support by email, and XXXX but no response at all. Here is the timeline : *Amount Transferred : $ XXXX *Date Initiated : XX/XX/XXXX* *Date Completed Wire Transfer from XXXX XXXX : XX/XX/XXXX* *Name of Sending Bank : XXXX XXXX XXXX XXXX XXXX *Personal Name : XXXX XXXX *XXXX Number : XXXX *Case Opened : XX/XX/XXXX* *Coinbase Case Number : XXXX Waiting to get helped in this matter. Never ever going to use coinbase again. This has been a shear frustration!!
Consumer complaint received 2018-01-10
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (OH)

I mail payments to my local First National Bank branch to pay my HELOC second mortgage. In both XXXX and XXXX the check cleared but the payment did not appear on my statement. I caught the mistake reviewing my statement and called the branch. They told me that the payment had been misapplied and the problem has been fixed. 

This happened a total of four times in 2016. 

I 've had to go through the process of notifying the branch of their mistake each time.
Consumer complaint received 2018-01-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: STERLING BANCORP (VA)

To Whom It XXXX Concern, On numerous occasions beginning in XXXX of XXXX, we have applied for and been denied a home loan modification. On numerous occasions they asked for documents that were previously submitted, only to deny us for reasons that do not make sense financially. Most recently, we submitted a short sale package to our lender XXXX now XXXX Mortgage. They have repeatedly asked for documents that were previously submitted. They have done this in an attempt to reject the short sale package and move to foreclosure
Consumer complaint received 2018-01-10
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (PA)

In XXXX I called Wells Fargo to request a repayment plan for XXXX, XXXX an XXXX payment. I was told I had to apply for a loan mod and the company will determine what option I will get. In XXXX of XXXX Wells Fargo decided to give me a payment {$20.00} more than what I have been paying and the company up my interest rate. I still do not understand y I could n't just get the repayment plan I asked for during the time I called and ask for assistance. Now on XXXX XXXX, XXXX I tried to make a mortgage payment online and was not able to. The weather was bad in XXXX and also the bank was closed on XXXX XXXX XXXX. I bank with Wells Fargo and should be able to make a mortgage payment online.
Consumer complaint received 2018-01-11
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc. (MA)

I have a used 6 year auto loan ( account no. XXXX XXXX with Santander Consumer USA that I have made 34 consecutive monthly payments of {$250.00} on through XXXX/XXXX/XXXX. I purchased the car, a XXXX XXXX XXXX XXXX with XXXX miles, from XXXX XXXX in XXXX, MA and Santander Consumer USA was the only lender XXXX said would give me a loan. I was told by XXXX XXXX that this was because I had a poor credit score at the time of my application. The interest rate Santander was willing to finance my loan at was 19.07 %. Although, I believed this rate of interest was exhorbitant, unfair and a higher finance rate than I could afford, I agreed to accept the loan offer from Santander because I desperately needed a car to get to and from work. Furthermore, I only wanted to finance the car over 4 years because the car already had XXXX miles on it as I mentioned earlier. However, because the financing rate offered to me by Santander was so high I was forced to finance the car over a 6 year term to make the payments somewhat affordable. 

The car is no longer drivable due to a blown engine when the car overheated on XXXX XXXX and the car had in excess of XXXX miles on it. My mechanic at XXXX XXXX on XXXX XXXX XXXX in XXXX XXXX, MA told me the cost to repair the car far exceeded the current value of the car. My insurance company XXXX XXXX told me that the damage to the car was not covered because it was a result of mechanical failure, not an accident. 

My original loan on the car was for {$10000.00} and I still owe about {$7400.00} as of XXXX XXXX. The car is still registered with minimum insurance on it with plates. I called Santander in late XXXX of last year and tried to negotiate a lower interest rate with them and they refused. I asked if they would accept a lump sum payment in the {$3000.00} range as payment in full on the loan and they refused. They kept saying I signed a contract and if I did n't continue to pay the loan according to the original loan terms they would send my loan to collections. I can not afford to continue to pay {$250.00} per month on my loan plus insurance and registration and excise tax fees for a car I can not drive. I have a permanent XXXX and I receive XXXX XXXX  XXXX XXXX ( XXXX ) as my primary source of income.
Consumer complaint received 2023-12-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BOEING EMPLOYEES CREDIT UNION (NY)

BECU froze my checking account on XXXX XXXX, and advised that it would be reviewed for XXXX days. The balance in this account is over {$40000.00}. 

I waited, XXXX  days passed, and BECU are still refusing to unlock the account or explain why it continues to be frozen.
Consumer complaint received 2024-11-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.
Consumer complaint received 2018-01-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This company is representing an apartment complex I lived at. After two years they are stating I owe them $ XXXX. I have attached email between me and the apartment property management. They have now sold the file to a collection company while in dispute. Also I stated the rental box was broken into when I put in my 60 day notice. Should n't they have all this information? Should they have not done a police report? 
Property : XXXX XXXX XXXX XXXX : XXXX Account # : XXXX Current Balance {$5400.00} I have disputed this prior to being sold as not mines and I do n't owe any moneys why they have sent collection is against the law.
Consumer complaint received 2018-01-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (CA)

I applied for a CitiBusiness platinum credit card which offered XXXX XXXX XXXX bonus points if you charged {$3000.00} in the first 90 days. I did fulfill this requirement but Citi said I had opened or closed a credit card within the past 24 months which disqualified me from the bonus points. They stated that I closed my last CitiBusiness card in XXXX of XXXX, which is not true. 

My final payment on my previous card was XX/XX/XXXX, and I called and cancelled the card on XX/XX/XXXX and at the same time confirmed a XXXX balance. Citi has no recording or any verification whatsoever that documents their XX/XX/XXXX date. 

I have made 3 calls to Citi with this information and they still send me a form letter stating that I had opened the present card in less than 24 months. I spoke to a supervisor by the name of XXXX in my last conversation on XXXX XXXX who stated she would contact the department involved ( I would not be able to talk to them directly ) and would call me back the next day ( XX/XX/XXXX ). I authorized her to leave a complete message on my message machine if she did not reach me. She never called.