davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Coinbase, Inc. (IN)

Good evening, I recently started trading crypto currency through Coinbase. I bought and sold a few shares and recently decided to cash out my account due to Coinbase issues Id heard about. 

They put these transactions through as debits vs. credits, over drafting the account tied to my debit card. Amounts of {$450.00} on XX/XX/XXXX and {$430.00} on XX/XX/XXXX. 

Ive tried emailing/calling/XXXX and anything else I can think of. This seems to be a very common problem if you dig deeper into this company.
Consumer complaint received 2018-01-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Garcadia Financial LLC (OK)

On XX/XX/XXXX I contacted XXXX XXXX and spoke to XXXX. I wanted to cancel the scheduled payment for XX/XX/XXXX and spoke with him about a newer date for payment ( XX/XX/XXXX ). He was in agreeance. He stated he would send this over to my account manager XXXX and we ended the call. 

On XX/XX/XXXX I checked my bank account and noticed there were two transactions from XXXX XXXX. One for {$670.00} and the other {$33.00}. I called and spoke with XXXX and in the called she stated that XXXX 's notes from XX/XX/XXXX were not consistent with my claim with her ( XXXX ). XXXX then told me that XXXX ran the payment on that day ( XX/XX/XXXX ). 

I called XXXX later on in the day ( XX/XX/XXXX ) XXXX stated that we made an agreement for the payment for XX/XX/XXXX and that he initatied the payment despite me calling and cancelling it on the same day ( XX/XX/XXXX ) I believe there are some serious ethical issues involving the billing practices at XXXX XXXX and they need to be addressed. 
I did not authorize XXXX or anyone at XXXX XXXX to run that payment on XX/XX/XXXX. I only canceled the payment for XX/XX/XXXX. 

This is the short version of what has happened. 

Please also keep in mind that I record all of my calls and can accurately back up everything stated in this form.
Consumer complaint received 2024-08-14
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. (GA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-01-04
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Bank of America has been finding ways to charge us overdraft fees despite us having enough funds in the account. 
I attached all the recent transactions. there is no negative balance. 

when I call I wait for an hour and half before I reach a representative and they hang on me randomly without warning
Consumer complaint received 2020-06-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ALTERNATIVE DISPUTE RESOLUTIONS (CT)

I have been receiving calls from a company called XXXX XXXX stating that I owe a credit card balance with XXXX XXXX XXXX   credit card. Their number is XXXX. To my knowledge, I have never had an XXXX card or a XXXX XXXX credit card. This is not reported anywhere on my 3 credit bureau reports. I returned the call and the person seems to have my social security number, address, name and date of birth. They threatened to serve me with a lawsuit and legal documents if I do not settle an account. They never gave me the amount owed just wanting payment information. The individual escalated his voice and used threatening and derogatory language over the phone and when I attempted to respond, he began to speak over me. I finally had to end the call without giving out any information. They continue to leave me harassing phone messages. Is there any further action or recourse I can take at this time? 

Thank you.
Consumer complaint received 2018-01-04
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Bridgecrest Acceptance Corporation (TX)

On XX/XX/XXXX my unit was picked up from my place of employment. I contacted the lender and they advised I was 54 days past due and because of a previous cease and desist - they could not contact me, and since I didn't call them they moved forward with an involuntary repossession. I questioned the cease and desist and why nothing would be sent in writing ... I was advised there is a full and a partial cease and desist and they have me as requesting a full. I requested the email request for cease and desist that I sent as well as the verbal request be pulled for review. I questioned there policy and procedure and how it relates to cease and desist and is there a required script. I was advised that while they are not permitted to make contact with a full cease and desist they do have to follow all state and federal laws so if a RTC is required by the state regardless of the cease and desist they have to send a RTC letter. So I am asking the CFBP to look into not only my concerns but take a closer look at bridgecrest and there repossession policy. I am asking that all calls made to me be pulled and a determination made if  FDCPA was violated with the amount of calls generated to me in the months of XXXX, XXXX, XXXX, XXXX and XXXX. I am asking that the CFPB specifically look into bridgcrest Cease and Desist policy and how it relates specifically to my account and not receiving a RTC letter. I would like the CFPB to look into how me speaking to them on XXXX in regards to warranty information on my unit, relates to no communication within 30 days and a repossession at XXXX dd. I also spoke to a rep on XXXX  who advised the locks on my unit were ordered to be changed by the tow yard and this would be an additional fee if done. When I arrived to the yard to pick up my items the manager advised bridgecrest would never change the locks on the unit because it is foreign in addition he showed me his computer screen, which showed all communication with bridgecrest and never was the locks being changed a conversation or request.  This is fraudulent behavior by bridgecrest representatives and only adds insult to injury. I have made a verbal complaint with bridgecrest, I have filed 2 complaints as of today with the BBB.  I will be filing a complaint with the State Attorney's office and will continue to reach for assistance until someone can explain to me how my rights as a consumer were not violated and or my vehicle is returned.
Consumer complaint received 2020-09-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (NY)

There is a fraudulent account on my credit report that has become egregious and is not mine. I do not know who used my name or how this came to be a debit of mine. It is a {$400.00} debt from XXXX XXXX. I cant say this more emphatically, I have never had a XXXX XXXX account in my life and could you please remove this immediately. 

Also, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. There is no such document because this isn't my debt so please remove ASAP.
Consumer complaint received 2020-09-17
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRUIST FINANCIAL CORPORATION (NC)

On XX/XX/2020 I sent out a letter to validate my debt to Regional Acceptance. I  received a response today XX/XX/2020 with my account inquiry as well a letter that Regional acceptance sent to me previously with my balance on my account. In this letter it states that I owe XXXX on my account payment history it shows that I owe XXXX. Reporting wrong information is a violation of the fair debt collection practices act and a defamation of character.
Consumer complaint received 2020-05-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (NJ)

I would like to file a complaint regarding a dispute that I have initiated with American express. I have disputed this charge for " paid by other means '' I did provide American Express with all relevant documents to support my dispute. American Express did not take my dispute seriously, and kept on requesting the same documents over 5 times. 

Dispute Received XX/XX/2019 Resolution Date XX/XX/2019 Ref. No. XXXX Dispute Reason Paid directly to the establishment
Consumer complaint received 2021-08-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (CO)

I had opened a PayPal account and was using it pretty often well I ended up messing up and violated the user terms and agreements so my account was permanently limited on XX/XX/2020 when I still have {$900.00} in that account and I was told that I can no longer use PayPal and any money I have in the account will be held for 180 days at which time I was supposed to get an email with instructions on how to withdrawal my money out it has been 11 months now almost a year and I have still not received any information on how or when I will be able to transfer my money out I've tried countless times to contact PayPal to receive any information or answers and haven't gotten any response
Consumer complaint received 2018-01-03
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Big Picture Loans, LLC (MA)

I received an offer for a loan from bigpicture loan company. I applied and was approved for a {$800.00} loan in XXXX of 2017. I needed the money for XXXX shopping. I am not sure if the details of the loan, ( interest rates, monthly payments ) were on my application. After reading the fine print after I received the money, I discovered that I was paying 684 % interest and would pay back {$5100.00} on a {$800.00} loan to be paid in 22 monthly payments of {$190.00}. I am on ss XXXX and can not afford this. I truly believe the company took advantage of me in my time of need. I did make my first payment ( direct debit ).
Consumer complaint received 2018-01-03
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. (CA)

I called the phone number as listed on the credit report via Equifax for XXXX XXXX XXXX. After several phone calls that direct consumers to use the same number as listed on the credit report, I finally spoke to two separate agents who verified via my social security number that I did not have a credit card on file. I asked for a supervisor, I asked to be transferred, I even would ask for their names and they would rudely evade my questions and would hang up on me. The DLA on my account was XXXX. The account was paid and closed at store in Nevada on XXXX. 
Here is a copy and paste of what XXXX XXXX XXXX  denies over the phone exists and refuses to remove this information which hinders my ability to open a line of credit or get additional credit elsewhere. Dealing with their phone reps has been wasted time and an aggravation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX : ( XXXX ) XXXX Date of Last Paymnt Scheduled Paymnt Amount Actual Paymnt Amount Amount Past Due Balance Amount Items As of Date Reported XXXX XXXX XXXX/XXXX/XXXX Date Closed Terms Duration Terms Frequency {$200.00} Credit Limit {$230.00} Date Opened High Credit {$0.00} XXXX XXXX Balloon Pay Amount Deferred Pay Start Date Balloon Pay Date Charge Off Amount Date Maj.

Del. 1st Rptd Date of Last Activity Activity Designator Creditor Classification 24 Paid and Closed Months Revd XXXX/XXXX/XXXX Date of 1st Delinquency Account Number Status Pays As Agreed ; Type of Account Revolving ; Type of Loan Charge Account ; Whose Account Individual Account ; ADDITIONAL INFORMATION Account Closed by Consumer ; Closed or Paid Account/XXXX Balance ;
Consumer complaint received 2018-01-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (CT)

I have had a pending digital asset deposit worth a lot of money stuck in limbo for a very long time. The exchange ( XXXXCoinbase ) refuses to respond to my messages and I can not get in contact with customer support about this issue.
Consumer complaint received 2018-01-03
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Fees charged for closing account
Company: FIFTH THIRD FINANCIAL CORPORATION (CA)

My former employer provided health benefits with an HSA account that they setup with a local bank in XXXX, Fifth Third Bank. I tried to close the account and they said that they were going to charge me a fee and in addition, they have been charging me a monthly fee on a deposit account with no activity for years now. I have ignored the problem in large part because of the inconvenience but they have now drained more than half of the assets from the account, have constantly cancelled debit cards or not provided a way for me to access my funds and still insist on charging me a $XXXX fee simply to retrieve my own money and close the account (which is less than half of what it originally was due to service fees). When I call they have absolutely no regard for this problem and insist that these were part of the terms of my account. I did not chose the financial institution because it was an employer supplied HSA plan. I am extremely frustrated and out hundreds of dollars in fees on an account I did not use and have basically left as a deposit for them for years.
Consumer complaint received 2018-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

There is a tax lien that was paid and canceled with the state of Georgia in 2013. I have the letters from XXXX County Georgia Department of Revenue stating that the lien was canceled. I contacted the credit reporting companies and only one would remove the canceled lien. This lien is keeping my wife and I form buying a house and I have tried everything to get us here.
Consumer complaint received 2018-01-03
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. (NC)

In XXXX, I filed a complaint against XXXX XXXX. I had settled a defaulted loan I had with the back in XXXX, but they had yet to update this account as resolved on my credit report yet. Today, I received a letter from XXXX XXXX, essentially stating that they have not updated my account yet, because I disputed it. Also, as of today, they are still reporting the account as unresolved on my credit report. 

For reference, I am attaching a copy of XXXX XXXX 's recent letter, and also a copy of my settlement and payment receipt from XXXX. 

First of all, XXXX XXXX 's claim that they can not report accurate information about my account because I disputed it is completely bogus. As is my right under the Fair Credit Reporting Act, I have the right to dispute anything that is inaccurate on my credit report. XXXX XXXX does not have to right to " punish me, '' simply because I wanted correct information reported. 

Also, they did n't even address the fact that they are still reporting incorrect information on my credit report, more than 3 month after-the-fact.
Consumer complaint received 2018-01-03
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (NY)

My Problem is with the XXXX XXXX XXXX XXXX I incurred tolls which I paid. The tolls are {$5.00} and I have paid them. there was a total of 10 tolls at {$5.00} each which I paid but They started sending me late fee notices of {$55.00} on each {$5.00} toll which is outrageous Why are they allowed to charge a late fee 11 times the toll amount. I am not a toll cheat and when I received the notices I paid them.
Consumer complaint received 2016-04-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (MN)

I had a Judgement listed on my credit reports. I settled the Judgement on XXXX. I tried to dispute the Judgement online to have it removed from my Equifax credit report. I was not able to do it online, their system could n't find my information. I was then instructed to fax a copy of my drivers license, credit report, and the information about my dispute. I faxed them XXXX pages on XXXX. I have had no response from Equifax and the Judgement remains on my credit report. I would like to add that I disputed this Judgement online with both XXXX and XXXX and it was a simple process and took less than a week to remove. With Equifax it has been 30 days and I ca n't get a response from them.
Consumer complaint received 2018-01-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (TX)

on XX/XX/XXXX my husband and daughter traded in her XXXX XXXX to XXXX XXXX dealership. On XXXX XXXX XXXX XXXX sent a payoff check to XXXX XXXX to pay the loan in full for the trade in. To this date, XX/XX/XXXX, this loan has still not been paid off! This has resulted in late charges, extra interest accrual as well as HARMFUL credit reporting on my husband and my daughter and has already affected both of their credit scores. I have called both XXXX XXXX and XXXX XXXX multiple times. I even went to XXXX  XXXX and they did show me copies of the XXXX XXXX  and the check that was sent to XXXX. XXXX  was very rude and unhelpful and kept collection calls coming in. I asked them to notate their system MULTIPLE times and all they kept telling me was to keep making the payments if I did not want out credit affected. I did not have the money for that and also did not feel that was right to us as customers. XXXX XXXX called me in XXXX, I do not recall the exact date and told me the car was in jeopardy of being repossessed. I have explained to them over and over that we did not have the car any longer. I called XXXX XXXX today and was told they had to stop payment on the original check and send a new one which should have been rec'd yesterday by XXXX. I do realize it was the holidays and things are slow but this is my husband and daughter's credit and also a lot of stress on us and on my marriage. I feel XXXX is totally incompetent and keeps losing these checks this loan will never get paid off. I also do not have trust in them to correct our credit if and when this loan is ever paid off! From the last statement rec'd on XX/XX/XXXX they were asking for XXXX and had as at 3 months due. My daughter was never late on her car payment not one time the whole 2 years she owned this car! she is XXXX and had a credit score of XXXX before all of this nonsense! she has now been alerted by XXXX XXXX that her score has dropped. I want these people to be held accountable for all they have put us through! we should not be punished for buying a new car.
Consumer complaint received 2018-01-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (MN)

On XX/XX/XXXX two checks were stolen from a company called XXXX XXXX XXXX and cashed under my mothers name at a Wells Fargo bank. These checks were fraudulent and my mother did not cash them. The company filed for fraud and their claim was settled on XX/XX/XXXX. To settle this claim the took the money from a teen acount that had my mothers name on them even though she is not the one who cashed them. This caused these accounts to be overdrawn by {$600.00}. The bank did not notify me that they were taking this money or investigating my accounts. We called them and started an investigation on XX/XX/XXXX. They said that an investigator would call within one to two buisness. However, they did not call and instead re-investigated the orginal claim. We attempted to start the investgation again and was told that they would call within one to two buisness days. However, once again they have n't called. We have coppies of the checks which were hand written. They do not have check numbers, the addresses are different on both of them, the signature does not match my mothers, and the memo on one says weekly wage while the other says employee wages. These checks were also made out within two days of eachother and cashed on the same day of XX/XX/XXXX. One check was written out to the amount of {$270.00} and the other was written out to the amount of {$400.00}.
Consumer complaint received 2018-01-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (IA)

American Express reduced our credit limit lowering it to just over the purchase thus causing our credit rating to be affected even though we never missed a payment on our credit history. They said it was triggered it by something sent by XXXX. They said they had the right, but reducing to so near the current balance causes chances of problems or payments to cause adverse effects to the client. Thus the business practice why used to protect themselves can have a good credit score to turn bad because of a business decision that is typically auto done.