davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-05
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Equitable Acceptance Corp (VA)

-bank account debited monthly for {$39.00} startingXX/XX/XXXX until XX/XX/XXXXcompany tacked on interest without letting me know starting XX/XX/XXXX -promised that payments were going towards student loans when I was still within my time of loan deferment -attempted to call " customer service '' representatives ; phone number no longer worked -Could never get in contact with " XXXX XXXX '' after my XXXXile had been " processed '' -FedLoan never mentioned my " consolidation '' in correspondence I have with them - {$1000.00} fee was supposed to be a " maintenance fee '' to keep my records with the student loans up to date -received text messages about amount being due and when the " payment '' had been recieved
Consumer complaint received 2018-05-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America representative changed my debit card number. I called in to have the company issue me a replacement card. I advised the rep several times to not cancel my current card and take it off of XXXX XXXX. I only need a replacement card. Well, the rep didn't listen - as soon as I got off the phone my card was removed from XXXX. I had to go more than four days without a card. I could not access any of my funds. I had to go without a lot items such as food. I was totally put out. The rep told me the debit card would not be changed. My bill pay was cancelled and I had to set it up again. This is unacceptable. If I knew she was going to cancelled my card, I would not have allowed it as I only needed a replacement card with the same card number. I called Bank of America - nothing has been done about this. No one talked to the rep about this or try to correct the issue.
Consumer complaint received 2018-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

I have been corresponding back and forth with XXXX and now XXXX  for the past year regarding the late payments they are reporting on my account with the credit reporting agencies ( XXXX, Experian and XXXX XXXX ).

XXXX is reporting two 60 day late payments on two separate accounts! Not 30 days, but 60! I have asked for explanation and proof that these payments were billed as payments due and not received. I am not accustomed to NOT payment my bills. They responded by providing the attached statements for both accounts. Neither of the statements show when a payment was actually due or the amount that is due. They do show when I made payments and how much was accepted and posted to interest. It also has a column for Late Charge paid, but no amount is ever listed in that column, even when payments were made. 

My argument is that the accounts have been in forbearance for pretty much the life of the loans, so any payments that I have made has been only when interest payments are arranged, which I get emails when payments are due and I pay them, as you will also see on the statements. There is no indication on the statements that payments were due in XX/XX/XXXX or XX/XX/XXXX. You will also see attached, a statement from XXXX notifying me that both loans was back in forbearance beginning on XX/XX/XXXX. When I submitted this to XXXX, they said that the payments were already scheduled for XX/XX/XXXX ( ahead? ), but I never received any notification of payment due in XX/XX/XXXX.

There are also other dates listed on the statements where there was no payments received that they have NOT reported late. Therefore, how does this prove that the late payments they are reporting are accurate? 

I am asking that the CFPB review the attached documents provided by XXXX and myself and help me to determine whether they have legitimate reason to report the late payments at all. Let alone 60 DAYS late! Come on!
Consumer complaint received 2017-12-05
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

On XX/XX/XXXX I purchased a XXXX XXXX XXXX from XXXX XXXX   XXXX. I was told by the salesmanager I could n't unwind vehicle. I had n't even drove vehicle off lot yet. The vehicle was in the service 's bays when I seen vehicle the 1st time. I did n't take deliver of vehicle right away. I got the vehicle finally a week later the vehicle stopped on me I had to pay for towing back to XXXX XXXX XXXX the service manager XXXX came out and said we are not checking your XXXX vehicle called me a XXXX XXXX a few times and was yelling at me for no reason. This happened over 17 different times and no one from XXXX XXXX XXXX did anything to him. I had to call for another tow truck to tow my vehicle home then the next day I contact Toyota customer care and explain to them that XXXX XXXX XXXX refused to check my vehicle and so they contact a different dealership and so I had to pay for towing again since XXXX XXXX XXXX never added my warranty to my vehicle. So I get my XXXX towed to XXXX XXXX in XXXX they said sorry you will need to have XXXX XXXX XXXX add warranty coverages to this vehicle before we can check the vehicle or I would have to pay out of pocket. So this all has been going on for the next few months I get the consumers affairs and the new car board to step in they declare the vehicle a lemon law car in XX/XX/XXXX and Toyota financial services and XXXX XXXX   XXXX and XXXX XXXX XXXX and toyota motor credit we all agreed to settle this matter with them buying back my XXXX XXXX XXXX and paying for my towing bills and rent a cars and car insurance and giving back my full down payment and deleting the item from my credit report. Well they still have n't did nothing to fix this matter. I paid every payment through XXXX XXXX I was late two times on paying cause I had to pay for rent a cars. I went to everyone to get help with this matter XXXX XXXX XXXX general manager XXXX XXXX did nothing but threaten me also. XXXX XXXX has called me a drug dealer and said he was going to expose me If I did n't stop filling complaints against his dealership. So every time I filled more and more complaints then XXXX XXXX XXXX and XXXX XXXX XXXX and toyota motor credit and Toyota financial services did nothing. Still nothing the vehicle is a lemon  law car and Toyota financial services and XXXX XXXX XXXX and XXXX XXXX XXXX and toyota motor credit we all agreed that they were going to pay me back and pick up vehicle and delete them from my credit report. I need some reinforcement here.
Consumer complaint received 2023-08-01
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. (NC)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX & XXXX Date of Inquiry XX/XX/XXXX
Consumer complaint received 2023-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Alorica Inc. (MD)

I have my credit cards with SST for years in good standing, suddenly they told me my account were closed without explanation. They changed everything from credit to no credit, from account numbers, how to pay bills. Paying online is subject to be charged fees from {$5.00} to whatever they want. I feel these practices are not fair to the customers. They even changed website to get online, which I got warning from security indicating the unsafe location of its website. I hope something can be done to solve this issue.
Consumer complaint received 2017-12-05
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)

I filed a report with TransUnion and XXXX stating there were items on my credit report that did not belong to me. I filed a formal police report about the incident and sent it into the credit bureau ( s ) along with the letters listing the items that did not belong to me and the credit bureau ( s ) did not remove the items. They sent me a letter saying they were not accepting my identity theft complaint and report and they are not removing the items listed on my credit report that do not belong to me.
Consumer complaint received 2017-12-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

XXXX XXXX are trying to collect a debt from 2012 allegedly owed by me. The failed to provide any information of me or the original account other than some payment were made with a credit card. I never had an account by Capital one. 
They are preventing me from getting mortgage and they report false information and I need them to stop call and ask for me.
Consumer complaint received 2017-12-05
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: EQUIFAX, INC. (FL)

I filed a report with XXXX and Equifax stating there were items on my credit report that did not belong to me. I filed a formal police report about the incident and sent it into the credit bureau ( s ) along with the letters listing the items that did not belong to me and the credit bureau ( s ) did not remove the items. They sent me a letter saying they were not accepting my identity theft complaint and report and they are not removing the items listed on my credit report that do not belong to me.
Consumer complaint received 2023-04-16
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. (AZ)

Experian is obligated by the FCRA to report accurate accounting, consumer has advised ALL the inquires were fraud, said company had 4 days according to LAW to remove such items. FTC fraud report was filed, consumer is now requesting Experian to provide the documentation used to determine inquiry was indeed authorized by consumer, Experian has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature, consumer is NOT asking for e-Oscar report. If Experian does not have documentation to show these were in fact authorized it must be removed asap. SAID company is liable under SEC to follow certain rules. Experian commissioner # XXXX, 1 XXXX XXXX XXXX XXXX XXXX XXXX California, XXXX XXXX. The XXXX XXXX XXXX. I will be filling form 211 treasury omb forms to audit consumer account. Experian is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT.
Consumer complaint received 2023-08-01
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (PA)

On XX/XX/2023 I attempted an online transfer money from my Citi Accelerated Savings to my personal checking, then close the account. The transfer was denied. I then called customer service, who instructed me to open a checking account, transfer the money from saving to the new checking account, then XXXX  XXXX from the new account to my personal checking. After establishing the new Citi checking and attempting the XXXX  XXXX, I was not permitted to do the transaction. I called Citi and spoke for XXXX hour and XXXX minutes ( XXXX call transfers ) and they concluded I can not transfer my money nor close my account. The last person I spoke with simply said " you'll have to find another way to get your funds. '' I then asked to be transferred to someone else, upon which I was told to call the number on the back of my ATM card. I repeated the request 3 times, and was not permitted to be transferred. So, there is currently over {$400000.00} stuck in my new Citi checking account for which I have no access.
Consumer complaint received 2023-04-16
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. (OK)

I have had a consistent issue with credit reporting agencies. For one Transunion won't allow me to get a free credit report unless I pay their subscription fee I have tried to get one through free credit report.com and it will not allow me to pull one. Also, my XXXX XXXX XXXX account is constantly reported as inaccurate. Just recently after a dispute they have reopened my account on my credit report which is a flagrant violation of the FCRA as they are attempting to re-age/keep the account open longer and change factual information related to the dates. I have submitted a 609 and 611 letters to XXXX and XXXX they both ignored the 609 letter requesting sources of information used and to provide those to me. ALSO I submitted a 611 letter just recently demanding they provide me the sources of contact etc used for their investigation XXXX no longer lets me submit disputes on the account and tries to prevent me from disputing it at all. The account in question has repeatedly opened and closed the account attempted to re-age and reports incorrect balances on all bureaus resulting in financial hardship resulting in denial of Mortgages loans etc when I would otherwise be able to attain these loans. I understand the account is on their for a reason BUT they flagrantly try to ruin and destroy my credit through shifty and shady means and the credit bureaus illegally are allowing this to happen. Also, I have tried a credit repair companies several to say the least to fix the issue and they flat out told me they will not process disputes because I use a thrid party and they believe the disputes are fraudulent as it is not me. Whereas under the FCRA it is my right to use a third-party credit repair company at my leisure and I am well within my legal right to as well. Please look into and charge/fine the 3 bureaus for failure to follow federal law under the FCRA as they refuse to help consumers and only strive to help creditors ruin and damage a person 's credit report to try and force them to pay a time-barred debt. ALso clarifying that Transunion will not allow me to access a credit report and or allow me to dispute any items except through XXXX XXXX unless I pay their XXXX monthly fee or they have illegally locked me out due to the fact I did use a third party credit repair agent to try and fix items under my behalf such as XXXX XXXX
Consumer complaint received 2024-08-30
Product: Credit reporting 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. (NJ)

It has come to my attention that items previously deleted from my credit report have been reinserted without following the legal requirements. Specifically, you failed to provide written notice of the reinsertion within 5 business days as mandated. Additionally, you did not certify that the reinserted items were accurate and properly validated, according to the statute. Under 15 U.S.C. 1681i ( a ), you must complete reinvestigations within 30 days and ensure that any inaccurate or unverifiable information is immediately deleted from my file. 

I demand that you remove these items from my credit report without further delay. Failure to address this issue promptly will leave me no choice but to seek legal action to protect my rights.
Consumer complaint received 2018-08-07
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. (MA)

I have an account on my credit report with XXXX XXXX. It was in default and is negatively affecting my credit score. It has been paid in full. The item has been on my credit report for more than 7 years, and should be deleted. I took this up with both Experian and XXXX XXXX, to no avail.
Consumer complaint received 2018-08-07
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (NV)

I was out of town camping and when I returned I noticed over XXXX dollars had been debited from my account. When speaking to a representative I also found they had tried to get even more but were unable too. I filed my claim and was told the money would be returned. After the money had not been I called back ( 4 separate times ) and was unable to get ahold of the person responsible for making the determination and couldnt even get a reason why the claim had been denied. I was finally told to leave XXXX a voicemail and wait 1-2 days and she would call me back. After being five to  the runaround I have no faith in Navy Federal Credit union and I will definitely be switching banks.
Consumer complaint received 2017-12-05
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (PA)

Dear CFPB, I am writing regarding the predatory lending practices of XXXX XXXX and Comenity Bank. We made furniture purchases there under their XXXX month interest free which was heavily promoted by the staff at XXXX XXXX. We have been making regular payments to our account and have actually continued to support the company. Last month we realized that Comenity added large amounts of interest to our balance. Approximately {$3000.00} to be exact. When I called to speak to them about it, they noted that their program is actually a deferred interest program NOT an interest free program as is promoted by them and in the stores. This means that they take the interest accrued over the past XXXX  months ( calculated on the original balance even though payments have been made ) and add a lump sum to the account. I spoke to a supervisor at the credit card company for a long time to address the issue. I actually made a payment for the balance on the goods I purchased in FULL ( A ~ {$5000.00} payment ) while on the phone with them. The supervisor understood my concerns because it is an issue they are faced with often since most consumers are mislead to believe they are entering a typical interest free agreement. The supervisor escalated the issue as a dispute to Comenity Bank. I have now received a letter from Comenity Bank stating that they will not forgive these interest charges despite the fact that they are misleading consumers at the time of purchase and are making minimal effort to clearly inform the consumer of the consequences of this particular plan. I am writing to CFPB so that they may address this issue and help other consumers from falling into this same trap. 
Thank you for your time!
Consumer complaint received 2017-12-05
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Navient Solutions, LLC. (CO)

I am writing to complain about XXXX XXXX XXXX. 

My name is XXXX XXXX and I am complaining on behalf of my sister, XXXX XXXX XXXX. I am a resident of CO and XXXX XXXX is a resident of NV. I received a harassing phone call from XXXX this morning, XXXX/XXXX/17, informing me of her debt in violation of both CO and NV state regulations. XXXX XXXX has never resided in CO, has never shared a phone number with me, and I have no knowledge of or interest in her debt. I believe my sister has suffered embarrassment and harassment as a result and I demand that XXXX make this right. 

For your reference the name of the debt collector is XXXX XXXX and the phone number is : XXXX XXXX
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NV)

Per FCRA USC1681 ; 1692 validation of debt I requested was not fulfilled for these debt/debt collectors including ( XXXX ) method USED for validation and person validating : ; assignment contract ; purchase agreement, CMI ; date of last payment missed ; opt out of 3rd party agreement; license to collect ; original contract for debt from original creditor ; statute of limitations ; this information should be written form and MAILED to me OR item DELETED IF IT CAN NOT BE VALIDATED. 

These accounts were returned to my credit report as validated. My request and rights per FEDERAL LAWS WERE TOTALLY IGNORED INTENTIONALLY. 

REINVESTIGATION REQUESTED AS ORIGINAL REQUESTED IN XX/XX/XXXX DISPUTE MEMO. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-05-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (CA)

This complaint is against Coinbase.com.

I registered with Coinbase that is regulated as a MSB by XXXX. As part of my registration I was fully verified and provided detailed KYC documents as required. I linked my XXXX XXXX account to this coinbase account. All of my transactions on this platform were buy transactions using verified source of funds from my XXXX XXXX account. Unfortunately crypto currency has a lot of scam and phishing attacks. I fell victim to one such scam/phishing attack that should have been easily prevented by Coinbase. This is the only ONE time ever I initiated a Send transaction and Coinbase system failed to check that the site I was sending was a bad site and should have been in their blacklist. It seems after many customers fell victim should have easily identified and blocked these transactions. Instead, Coinbase decided any weeks later shut down accounts of good and well KYC customers. They forced good customers like me, that they did not protect, to have to extract our balance into other digital wallets. Since I did ONE send transaction their risk and compliance engine should have detected that the receiving site was malicious. They are severely failing in basic risk and compliance verification and rather hurting their well kyc customers.