davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION (TX)

During the last XXXX  days, I created XXXX separate CFPB complaints against BB & T : XXXX XXXX XXXX BB & T responded on XX/XX/XXXX that : Ms. XXXX, the XXXX ACH deposits in the amount of {$500.00} each received in the name of XXXX XXXX were reversed on XX/XX/XXXX and sent back to the originating financial institution. A check in the amount of {$50.00} ( the remaining balance ) will be issued and mailed to the address on file to close the account. Please allow 7-10 business days to receive the check. 

XXXX X {$500.00} has been sent to the source which initiated those direct deposits. But even after more than 10 business days - I haven't received {$50.00} ( the remaining balance ) One need to understand that my money was hold on ransom by this bank for almost 3 months without any interest and further I am still not having all my money here.
Consumer complaint received 2021-03-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (IN)

On XX/XX/2021 my XXXX year old mother 's {$600.00} stimulus check was deposited to the wrong account. Instead of being put into my mothers account it was deposited into my deceased father 's Veterans Pension account. 

My mother has NO connection to this account. Her name is not on it nor is her social security number associated with it. 

I contacted the bank. They acknowledge it is in the wrong account, but they will not put it in the correct account or return the funds to the IRS so my mother can receive her stimulus payment because my late father 's account is overdrawn. They are stealing my mother 's money trying to make up for the loss on an account my mother has no connection to!
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MA)

Theres an account on my credit report called XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. I please want to delete this account of my credit report because the credit bureaus are saying the amount of payments and late payments are not properly reported. They keep updating the payments and when they were made. The information isn't accurate and I believe that my credit is being wrongly impacted due to errors with this particular. I have called XXXX XXXX to try getting more information about what is going on with this account. I'm going to upload a Massachusetts ID card and Social Security to verify my identity to help get this deleted from my credit reports.
Consumer complaint received 2021-03-05
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. (TX)

XXXX XXXX XXXX original creditor XXXX XXXX should not be reporting to XXXX ; XXXX and Transunion a collection in the amount of {$1300.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please seepage attached from my credit report. ) This account does not belong to me. I have contacted XXXX XXXX multiple times and each representative I speak to informs me that have no customer information under my name and have no record of my ever being a customer. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have also contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2021-03-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EQUIFAX, INC. (GA)

I have wrote to The collection agencies XXXX and Equifax to remove this from my credit report and it has not been removed. This bankruptcy has been on my credit report since XX/XX/2012. This bankruptcy has reached a statute of limitations for Georgia which is seven years. I would like for it to be removed from my credit report.
Consumer complaint received 2021-03-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (MD)

XXXX XXXX XXXX Account # XXXX asserted collection for Comenity Bank Account # XXXX for {$700.00}. This collector continues to report inaccurate information, that is known to them as inaccurate. XXXX XXXX XXXX is " recycling '' asserted debt, passed delinquency date in effort to oppress consumers financial standing by exceeding the retention date. 
Historically, XXXX XXXX XXXX has changed the payment history for the purpose of extending the retention date within consumers credit file. In review of my XXXX Credit file dated XX/XX/XXXX report versus my XXXX Credit file dated XX/XX/XXXX reveals XXXX XXXX XXXX Account # XXXX extending this reporting time by an additional 3 years. The actions of this collector is reckless, targeted, and with malice intent. 

The payment history, date opened, date first reported, status, and comment has been falsified in an effort to continue to oppress consumers financial standing. XXXX XXXX XXXX Account # XXXX on behalf of Comenity Bank Account # XXXX had recycled the date of asserted delinquency to continue reporting in excess of the law allowed retention date. 

This matter has been satisfied since XXXX, four ( 4 ) years prior.
Consumer complaint received 2021-03-04
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)

I am asking that you simply instantly erase data off of my credit report that isnt mine. I have filed a police report stating that this account is not mine which my character may have been stolen which I have included with this letter. I don't recognize this account and have never caused obligation with this creditor. I don't know where they came from.
Consumer complaint received 2022-10-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (MO)

All of the dates with the amounts below are fraudulent charges and Coinbase Inc. refuses to give me my money back after I proved to them that I was a victim of a XXXX scam. The fraudulent company is XXXX XXXX XXXX. The scammers go by the names XXXX XXXX and XXXX XXXX on XXXX and represent XXXX XXXX XXXX to lure people in. XXXX XXXX also uses XXXX. Someone named XXXX XXXX but goes by XXXX uses XXXX to communicate with people they are scamming, as well as XXXX XXXX. XXXX 's name on XXXX is XXXX ( all XXXX word ). Coinbase requested that I send them documents such as emails, screenshots of conversations with the scammers, proof of the money being sent to the scammer 's wallet, etc., yet they still did nothing to make it right even after I provided the documents per their request. Coinbase stated that they are sorry that I was the victim of a scam on their platform but they can not reverse the charges. They are failing to protect their customers in this way even though the scammers are most likely using the money to engage in money laundering and other illegal activities. XXXX XXXX even stated that XXXX was supposedly laundering millions of dollars in XXXX and that he has offshore accounts. Coinbase is breaking the Anti-money Laundering Act which now includes cryptocurrency. The total amount that I lost is {$13000.00} from Coinbase, and I would like a refund. I can provide bank statements and screenshots from Coinbase if need be, plus proof of the scam. 

XX/XX/XXXX - {$270.00} XXXX {$110.00}, {$100.00} XXXX {$650.00} XXXX {$720.00} XXXX {$13.00}, {$30.00}, {$2000.00} XXXX {$30.00} XXXX {$4600.00} XXXX {$10.00}, {$2000.00} XXXX {$1000.00}, {$1000.00} XXXX {$1000.00} XXXX {$13000.00} I lost a total of {$5300.00} from XXXX and the story is the same for them. They asked for proof of the scam, I provided the documentation and they said they were sorry that I was the victim of a scam but they could not reverse the charges. The dates and amounts from XXXX are as follows : XXXX XXXX XXXX {$52.00}, {$1100.00} XX/XX/XXXX - {$210.00} XXXX {$2800.00} XXXX {$5300.00} {$5300.00} + {$13000.00} = {$19000.00}.
Consumer complaint received 2021-03-04
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: General Motors Financial Company, Inc. (TX)

I pulled my payoff amount from the online portal on XX/XX/XXXX and paid amount show the same day. Through the text chat I was advised it would take about 30 days to process and receive title. Called back the 2nd week in XXXX to check status and was told the payment funds had not been allocated and they would submit request. This process continued weekly until I called on XX/XX/XXXX and was told the same thing but that the account had a credit and I would receive {$320.00} back by check and they again submitted request to allocate funds and to allow 2-3 business days for completion. I called again on Monday XXXX and spent over an hour on the phone to have someone finally get into my account and finalize the account to closed and request title. This phone call I was finally told that I still owed {$350.00} and that I have been charged interest daily since the XX/XX/XXXX payment even though I have called continuously for almost 2 months and no one told me any of the above and got different answers each time. Spoke with " manager '' who had children crying the background who in a nutshell told me I was going to get charged interest and apologized for the wrong information given by " new employees ''. This situation was handled extremely poorly and I was fed incorrect information since XXXX but they are doing nothing as recourse. At conversation on XX/XX/XXXX I was told they would be able to expedite the title for me at least but as of conversation with manager on XX/XX/XXXX that is never possible.
Consumer complaint received 2021-03-05
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. (FL)

Hello, I would like to inform you that I have unrecognized accounts in my report. I do not know these accounts and they are still reported. I gave time to this and I thought bureaus made investigation and soon these accounts would be deleted however they are still in my report and basically you are my last hope to push this situation towards deleting the accounts. Please check my situation and my profile, figure out the reason of misleading information and delete them as I am in need currently. I o not know the origins of these accounts and they are not mine, I do not recognize them
Consumer complaint received 2021-03-05
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: EQUIFAX, INC. (MD)

Equifax Credit Reporting ( File # XXXX ) continues to reinsert information known to be incorrect and previously removed. In fact, Equifax Office of Consumer Affairs XXXX XXXX XXXX XXXX GA XXXX, Sr. Consumer Relations Specialist XXXX XXXX XXXX alongside other representative Sr Representatives have committed fraud by making false statements of correction to both the State of Maryland Division of Financial Regulation ( XXXX XXXXXXXX XXXX and Consumer Financial Protection Bureau dating back to XXXX. 

XX/XX/XXXX XXXX XXXX of the Equifax Office of Consumer Affairs wrote correspondence to XXXX XXXX stating a disputed file for XXXX  XXXX ending in XXXX and XXXX have been removed and not currently reporting within my credit file. This account has now been reinserted with know to be fraudulent information asserting the first missed payment being XX/XX/XXXX. 

In referencing Confirmation # XXXX, the continued claim of correction by Equifax the Creditor XXXX XXXX XXXX XXXX, unlawfully negatively reinsertion is a practiced targeted correlated attack on consumers. Equifax then blocks consumers from retrieving their reports and maintaining correctness virtual, in an effort to harm the consumer. Equifax has placed a block on my credit file alongside an extended fraud alert without the consumer 's ( XXXX XXXX ) request or consent. 

I faxed and mailed correction, without response, to Equifax and the creditor XXXX XXXX XXXX XXXX referencing the aforementioned error and demanding immediate correction.
Consumer complaint received 2021-03-05
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (CA)

On XX/XX/2021 I received a phone call from a third party locator stating that there was legal action that was going to taken on me. They stated they were looking for me and it was for an old pay day loan of {$290.00} that I didnt pay. They have made phone calls to multiple family members with this information. I called back the number that was given XXXX with the case number XXXX. When I called the representative at this company basically told me that the case was being filed and I needed to pay it today or else I would have to go to court. I have never received any type of legal documentation or have I received a letter from this debt collector. I tried to call back today XX/XX/2021 after contacting ACE CASH EXPRESS in which their representative told me that they have sold my debt but that this collection agency should never threaten me and they dont take legal action against people that dont pay their debt. They gave me a number to call so I can report this collection agency which I did. Anyways so I called the XXXX number and tried to resolve this issue I did mention to her that I connected with ACE and they told me they would never sue me and I asked her why this company would use these tactics on people and scare them into giving them possibly all the money they have for this debt. She didnt say anything and continues to tell me there is nothing she can do for me that my case is now being filed and I can not resolve it.
Consumer complaint received 2022-10-10
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)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit-worthy people by reporting erroneous false information. I did exactly as the FCRA required me to do and first contacted Experian about the horrible mistake. They sent me a letter stating that they verified the information. PISH POSH I say. I dont consider sending some computer-generated generic letter verification. Additionally, I contacted the furnishers one by one and they agreed to CORRECT the misleading information in my file. Please update and repair all the late payment accounts below : XXXX XXXX, XXXX CARD XXXX, XXXX  XXXX XXXX, XXXX CARD XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2021-03-04
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 — Was not notified of investigation status or results
Company: R & B Corporation of Virginia (VA)

The original balance of the Collections account was {$65.00}, so on XXXX I called and spoke with and representative ( XXXX ) from there XXXX, VA Headquarters to dispute inaccurate information being reported on my credit report and she simply explained that they do not and never owed the debt that they reported on my credit report. I still have not received a response yet, I was hassled a little by phone calls so I settled the account on XX/XX/2020 but I also asked for verification ( the original application bearing my signature ) on all accounts, as they claimed I owed 2 other accounts for {$47.00} & {$98.00} that they have not reported to the bureau 's as of yet! I really feel as if I'm being taken advantage of, Section 611 ( a ), it is plainly stated that a failure to investigate this item within 30 days gives a reason to immediately remove this item from my credit report. There has been no follow up or contact in over 30 days, I demand this account be deleted promptly because it is not my debt and I do not validate this debt.
Consumer complaint received 2021-03-04
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. (CA)

At the beginning of XX/XX/2021, my XXXX XXXX XXXX XXXX XXXX ( XXXX ) credit card was reported to XXXX  inaccurately indicating 30 days late with {$140.00} outstanding balance. 

I contacted XXXX and they denied that action, stating I did not have a late amount due, have not been late so there was " nothing for them to report ''. Days later, after many phone calls, emails, and going into the credit union, they finally realized the mistake they made in reporting me to the credit bureau. 

Without an apology they said they would fix it only after I created a dispute through XXXX, which I did. After asking three different XXXX XXXX XXXX for documentation of my good payment standing, I received a letter showing payment history ( attached ) and was advised they could no longer help me. 

On XX/XX/XXXX, XXXX responded to the XXXX  dispute. As per XXXX, XXXX stated the late payment reported for XX/XX/2021 was accurate and it remains.
Consumer complaint received 2021-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

Someone was able to open a credit card in my name with just my social security number. All of the other information was wrong so Capital One should have caught this. I was able to close the credit card with Captial One but this person still has my social security number and I would like to press charges if possible.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

I reached out to the CEO XXXX XXXX and XXXX Consumer Disputes and received no answer... I also realize there is case law regarding reporting this type of information ... 15 US Code ss 1681A ( 2 ) ( ai ) -- Im just asking for a fresh start and the removal of those late payments due to extreme hardship. 

Below you will see the communication that I emailedand emailed certified to Capital One Auto Corporate Office -- once again NO RESPONSE. 


Good morning XXXX XXXX, My name is XXXX XXXX and I have been a Capital One Auto customer since XXXX. I opened this loan XX/XX/XXXX account number XXXX. At this time my credit was hovering around XXXX. My small business had started back growing after the pandemic and I needed a new used vehicle. 

Then disaster struck. In XX/XX/XXXX the XXXX XXXX Timing chain broke and destroyed half of the engine. That was the last time I had driven the truck. I continued to make payments because I was contractually obligated. I had the vehicle towed to the local XXXX XXXX XXXX, XXXX XXXX, and the quoted me XXXX to replace the motor. I was devastated. During the XXXX  months of driving the car I performed all oil changes, maintenance, brakes, and tires. 

I called around and found a place that could put in a refurbished engine for XXXX a small shop in XXXX Texas. Even though that price was XXXX % cheaper as a small business owner with a family I don't just have {$23000.00} lying around. I made attempts to make a deal with XXXX XXXX where perhaps I could trade the car in for something else and roll in the payments -- but the cost to do that was the same as the engine. I checked lemon laws in Missouri, sent complaints to the Attorney General just looking for a solution. I then called Capital One. I explained to them my situation and asked them if I could be granted a XXXX month deferment so that I can save up to get the car fixed. They said no. I continued to make XXXX straight auto payments on a SUV I hadn't/could n't drive since XXXX XX/XX/XXXX. 

My only other option would be to be late on some payments in order to save the money needed to get the car fixed. I was able to take advantage of a XXXX month deferment on occasions but those opportunities were soon no longer available. 

To make a long story short - I have saved the money needed to fix the car. But now I have XXXX XXXX day lates that I'm asking for forgiveness on my credit report. I have a payment scheduled of {$1500.00} for this Friday XX/XX/XXXX that will bring my account current. 

My credit score has plummeted and as a small business I want to grow. Hard to grow with XXXX credit score.

Please find in your good graces to help me get make on my feet by forgiving those late payments. I was trying my best to stay above water and correct a very ugly disappointing situation.
Consumer complaint received 2021-03-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

Portfolio Recovery Associates Account # XXXX asserted collection for XXXX XXXX Account # XXXX for {$700.00}. This collector continues to report inaccurate information, that is known to them as inaccurate. Portfolio Recovery Associates is " recycling '' asserted debt, passed delinquency date in effort to oppress consumers financial standing by exceeding the retention date. 
Historically, Portfolio Recovery Associates has changed the payment history for the purpose of extending the retention date within consumers credit file. In review of my XXXX Credit file dated XX/XX/XXXX report versus my XXXX Credit file dated XX/XX/XXXX reveals Portfolio Recovery Associates Account # XXXX extending this reporting time by an additional 3 years. The actions of this collector is reckless, targeted, and with malice intent. 

The payment history, date opened, date first reported, status, and comment has been falsified in an effort to continue to oppress consumers financial standing. Portfolio Recovery Associates Account # XXXX on behalf of XXXXXXXX XXXX Account # XXXX had recycled the date of asserted delinquency to continue reporting in excess of the law allowed retention date. 

This matter has been satisfied since XXXX, four ( 4 ) years prior.