davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY (CO)

I bought a used car for around {$18000.00} back on XX/XX/XXXX  last year. I've made more than my share of payments and the car is almost paid off despite the lock downs and unemployment. I have never been late on a payment. But Wells Faro Auto decided to change their website insuring that we all would have to start over again. In my case they deleted everything they don't even recognize their own loan number they are that stupid. So w/out a number they recognize I can do nothing I can not even log into my account anymore and there is no way to do so. You can not contact them through phone or email because THEY LOST MY ACCOUNT NUMBER SO THEY WON'T ALLOW ME PAST THEIR ROBOTS! So the ONLY option if XXXX where they promise a quick response. That is yet another lie it took quite some time but someone finally responsed then denied me help WHEN I REFUSED TO POST MY INFO ON XXXX FOR THEM TO LOOK UP! Then they blame me for not providing sensitive private loan info on the world 's worst website! Would you post you info on a Wells Fargo XXXX page? 
They could call me but they are too self centered to even consider such a thing.
Consumer complaint received 2020-08-14
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. (AR)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX {$0.00}
Consumer complaint received 2020-08-14
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I was shocked when I reviewed my credit report and found late payment on XX/XX/XXXX - XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2020-08-14
Product: Checking or savings account — Savings account
Issue: Incorrect information on your report — Account status incorrect
Company: CITIZENS FINANCIAL GROUP, INC. (RI)

The savings account that I had with Citizens was an overdraft account and linked to my checking account at Citizens. Well because I had some issues making payments it went to a collection agency. the balance I owed was around {$500.00} and the collection agency offered me a XXXX time payment of {$220.00} which would then make the account considered settled and closed. 
So on XX/XX/XXXX I made a payment of {$220.00} to XXXX XXXX XXXX. I went ahead and attached the letter showing the account was settled and paid in full and closed. On my XXXX  credit report it shows under account status that it was paid and closed. Stating account was paid less than full balance and was updated on XX/XX/XXXX. 
For some reason XXXX  is showing that I owe {$690.00} and the status is Collection/Charge-Off, which is incorrect. The last time it was updated was XX/XX/XXXX.
Consumer complaint received 2020-08-14
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)

There is something seriously wrong with my credit reporting. I have outstanding payment history on all open accounts, yet every 2 weeks my credit score decreases without reason then increases a few days later without reason. Sometimes the increase is lower than the decrease resulting in a slowly lowering credit score. I noticed this happening around XX/XX/2020. Again, these are WITHOUT REASON ( e.g. no past due accounts, no credit usage increase, no missed payments ), so Experian is unable to process my dispute. Examples below. PLEASE HELP ME. 

XX/XX/XXXX - DECREASE by 25 points XX/XX/XXXX - INCREASE by 16 points XX/XX/XXXX - DECREASE by 17 points XX/XX/XXXX - INCREASE by 17 points XX/XX/XXXX - DECREASE by 18 points XX/XX/XXXX - INCREASE by 12 points XX/XX/XXXX - DECREASE by 15 points XX/XX/XXXX - INCREASE by 18 points XX/XX/XXXX - DECREASE by 15 points XX/XX/XXXX - INCREASE by 15 points XX/XX/XXXX - DECREASE by 20 points XX/XX/XXXX - INCREASE by 20 points XX/XX/XXXX - DECREASE by 4 points XX/XX/XXXX - DECREASE by 23 points XX/XX/XXXX - INCREASE by 21 points XX/XX/XXXX - DECREASE by 37 points ( drop from Very Good to Good rating )
Consumer complaint received 2020-08-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: R & B Corporation of Virginia (VA)

I was contacted in XX/XX/2020 by Credit Control Corp. and informed that I had 43 medical accounts in collections. I explained that these accounts were part of a settled malpractice case and should have been removed from collections. I provided XXXX XXXX with a list highlighting all the accounts I was disputing along with an email from my attorney with his contact info as well as a letter from the insurance company points of contact that would verify that these accounts were in fact not eligible to be collected on. On XX/XX/XXXX I received a follow up call from MsXXXX XXXX where she informed me that they had never encountered a case like this but since my malpractice case had been settled they would not contact my attorney. She went on to say to me " you're just trying to get out of a debt you owe for services that were rendered to you '' She also made comments about how her company was not making any money as long as I wasn't paying these accounts along with other very out of line comments.
Consumer complaint received 2020-08-14
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Refinanced a home equity from BOA into a mortgage at XXXX. During the closing we provided all the correct information to XXXX -- at payoff XXXX tried to pay off the home equity with a wire which BOA was not willing to accept so they over night the check to BOA with the correct address. The tracking number indicated that they received it on XX/XX/XXXX. We have called BOA everyday trying to figure out why the payment and payoff was not completed. Customer service kept us on hold for over 90 + minutes. I then called their 800 number to lodge a complaint and was told they could not do anything. So I find myself not being able to complete a complaint ; speaks to the Presidents office and they could not help me. I spoke to XXXX in customer service and a supervisor XXXX XXXX - he asked to transfer me 3 or 4 times to be on hold for 90+ minutes again and all I asked was for a formal complaint to be registered. I have spent over 5 hours trying to talk to someone at BOA to repair this situation and payoff the home equity and it is still not resolved. I am not even sure if they did file a complaint because I have not evidence of this nor did he tell me someone would take care of it. This is unacceptable and feel this is not the manner any bank should operate. This is unacceptable and they have way too many excuses especially for a system conversion that does not have a business continuity plan for instances like the above.
Consumer complaint received 2020-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

This is absolutely horrible how I am being treated with covid I reported my card as lost they told me they would expedite it by XXXX and I never got it then they apologize and said they never sent it now they reissue me a card called me to confirm its me and I get the card they blocked my online access online banking everything for no reason this is not fair and told me to go with my id to a financial center this is ridiculous with covid
Consumer complaint received 2020-08-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (TX)

On XXXX XXXX I received a check from a company called XXXX XXXX XXXX to participate in a paid adverting program. The program was to pay me weekly to advertise their company on my car for 3 months. I was to receive the check ( in amount of {$1900.00} ),  deposit it, keep my portion of {$450.00}, and pay the remaining to the company that will was my car. On the day of XX/XX/2020 I called my bank XXXX XXXX to speak with the fraud department to see if they can check to make sure the check is legit and not fraudulent. The employee I spoke with advised me they are not able to check but informed me that at the worst the check would be deducted back out my account it is not a legit check. He also informed me to contact the bank on the check ( Fifth Third Bank ) to confirm funds and to give myself peace. On XX/XX/2020 I called Fifth Third Bank ( listed on the check ), to confirm the check is not fraudulent and to make sure funds for the amount were available. The employee I spoke with confirmed that it was a legitimate check and the amount of funds in the account would cover the check. As the check continued to show as " pending '' in my account I stayed in contact with the XXXX XXXX to keep them updated on the process. On XX/XX/XXXX, I received a return check for the check amount in addition to a {$15.00} return check fee. I received another return check on XX/XX/2020 for the check amount and additional {$15.00} return check fee again. On XX/XX/2020 I reached out to my bank XXXX again to ask fo clarity and was treated as to I was trying to deposit the check over and over. Which I was not, hint the reason of me calling. I was later transferred to the fraud department that treated me as if I did something wrong. My account with the check deposited in and my personal account I share with my husband was then froze and currently still is by XXXX XXXX. That is why I asked both banks in the beginning was everything ok not fraudulent with the check. On XX/XX/2020 XXXX XXXX deducted {$1800.00} out of my joint account I share with my husband ( which is not the account the check was deposited in ) and deduction {$170.00} out of the account the check WAS deposited in.
Consumer complaint received 2024-01-31
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: EQUIFAX, INC. (CA)

To update this suspicious information, I sent a letter to the three credit bureaus. I believe that these accounts have not been verified in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I shall take legal action against you for this. This was previously incorporated into my last COMPLAINT, and I'm including it once more. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Starting approx XXXX of XX/XX/XXXX to XX/XX/XXXX, I have received several small charges from two unrecognizable online sources. These sources were " XXXX XXXX '' and " XXXX '' These charges were numerous and for generally small amounts, {$25.00} or less, spread out over 4-5 months. I contacted Bank of America to report the issue and file a claim/dispute for the total amount of {$480.00}. 

I received communication from BoA that the claim was denied. When I called them to verify and escalate the issue, the representative stated all I needed to do was fax them a request to reopen the claim and call back to ensure the fax was received. 

I called back BoA on XX/XX/XXXX to see what the status of the re-opened claim was, and was informed the claim was denied and that it was denied because the charges were reported too late. I informed the agent that I explained the situation to the original agent when filing the claim, that due to the relatively small amounts being charged, I did not notice. The agent stated that I logged into mobile banking several hundred times and that I should have noticed with the implication that this was my fault. She stated that I needed to file a police report, which I have done.
Consumer complaint received 2024-01-31
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: EQUIFAX, INC. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-14
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Coinbase, Inc. (PA)

I used a company called Coinbase to purchase {$100.00} of bitcoin back in XX/XX/XXXX. Bitcoin was trading around XXXX when I purchased it. After a couple weeks it more than doubled and there was almost {$300.00} in my account. This is when everything started to go wrong. They literally will not let me cash my money out. I have transferred my Bitcoin to the " XXXX XXXX XXXX  '' as instructed. They approve the withdrawal and then ask for documents to confirm identity. Every time I would submit documents to finally get the money there would be unknown errors and other issues with the technology. Ive tried by cell phone and personal computer. It was very easy to submit these documents when I deposited the money. I have send dozens of emails and called the number which no one has ever answered. The email responses are automated and are unhelpful. 

On Wednesday, XX/XX/XXXX, I tried to submit another request to get my money and close the account. I again transferred the money and submitted withdrawal requests. This time I sent a nasty email that said to close my account and give me the money I just withdrew. I received a response that just said, " we closed your account ''. So now my account is closed. I have no access. My money is still in there. They are ignoring all my additional emails and cries for help. This company is the most unethical banking organization I've ever dealt with ( which says a lot ). These evil people only help when you want to deposit money. Everytime I try to withdrawal there is an error.
Consumer complaint received 2024-04-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (NY)

This company is reporting an account on my credit report that is not mine, nor do i have knowledge of this said debt or any obligations, agreements or contracts with this company. This is a violation of my FCRA, FDCPA, XXXX, and more or other state and federal laws and statutes. They state that they are not attempting to collect on a debt and they they say they are. This is confusing as a consumer. Which is also a violation of my rights. We also sent is a cease a desist communication and from attached documents you can see that they where still communicating through means of median through credit reporting agency and credit report. 
15 U.S. Code 1692j - Furnishing certain deceptive forms 15 U.S. Code 1692c - Communication in connection with debt collection
Consumer complaint received 2023-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (WA)

I have been constantly calling the XXXX number for XXXX  to be able to talk with a live agent to address my issues and I am not getting anywhere. I am doing all the right things and when I think Im going to get to talk to a live person it hangs up on me every single time this is been very frustrating. They should be answering the phones and dealing with their customers just like XXXX and Experian does, I would really appreciate if this gets addressed ASAP. My XXXX XXXX credit report needs to be updated. They have nothing but information that does not apply to me. I have been trying to update it and can not get anyone. Thank you.
Consumer complaint received 2020-08-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: FIRST CITIZENS BANCSHARES, INC. (NC)

After closing my account due to fraudulent charges on XX/XX/XXXX, I was told I would receive my lost money in 7-10 business days in the form of a check. As of XX/XX/XXXX I still have not received a check or any forms of communication about the fraudulent charges inquiry. I also have transactions that were refunded via XXXX to this account that I have also not received compensation for. At this point the fraudulent charges total {$72.00} and the refunds via XXXX transactions total XXXX.
Consumer complaint received 2020-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I am writing to complain about an online systems malfunction, lack of customer disclosure, and an unwillingness to make things right that resulted in a late payment mark on my credit report for my Capital One / Menards BIG credit card, which has now stayed on my credit report for over 2.5 years. This has negatively impacted my ability to receive home loans, and has costed me hundreds of dollars in additional interest and fees.

When I opened the account, Capital One forced me into the paperless option to save themselves money, but denied me online access to view my bills. Due to a technical error, I could not set up my online account for the first 6 months after account opening. Realizing the problem I would have with a potential late payment, I set up monthly automatic payments of {$40.00} - the minimum monthly payment amount. 

Little did I know, the minimum monthly payment increased by a few dollars several months later, causing me to receive a late fee. This step-up in fee was inadequately disclosed to me in the account terms. 

As a result of this, in XXXX I was past due with a balance due of {$7.00}. There was no attempt to contact me nor did I receive any monthly bills informing me of this. I was charged a late fee of {$25.00} that month. This late balance continued to grow and accrue more late fees, despite me paying {$40.00} each month, which was the minimum payment shown to me when I opened the account. Eventually, in XX/XX/2018, I received a negative mark on my credit. Noticing this, I immediately got in touch with Capital One and made a large payment of {$200.00}, but the negative mark remained. 

My otherwise excellent credit history has been tarnished by Capital One 's unreliable technology, lack of disclosure, and lack of concern  for its customers. Capital One denied me access to view my bills online, did not send me paper statements, and despite making regular payments each month in the amount of {$40.00}, hit me with a past due negative mark on XX/XX/2018. Despite contacting them directly, and initiating 2 separate disputes through the credit bureaus, they have ignored all my attempts to contact them.
Consumer complaint received 2020-08-14
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. (IL)

I purchased a new vehicle in XX/XX/XXXX. I had an existing loan of 4 years with XXXX on a vehicle I traded in and paid off and opened a new loan. Ally sent XXXX information upon account opening. I contacted them to make the first payment and set up auto-pay and did so. The initial payment was taken for XX/XX/XXXX. On XX/XX/XXXX I got a call saying the XXXX payment was never made. I told them I set up auto pay and they admitted that a bunch of auto payments had accidentally been canceled. I made the XXXX and XXXX payments immediately and spoke to someone about the error. They assured me the payment would not be reported late. For the next 6 months, XXXX did not report to the credit bureaus at all! Then in XX/XX/XXXX, they updated the payment history showing the XX/XX/XXXX payment was made 30 days late despite having clear evidence the XXXX payment was made on time. This was disputed with the credit bureaus. Ally then confirmed the XX/XX/XXXX payment was made late and my dispute was denied despite their system clearly showing it was not made late at all. This is a clear violation of FCRA and XXXX should be held accountable. As stated by them there were many consumers effected by this and clearly XXXX is refusing to do right by them and has instead opted to attack consumer 's credit profiles due to their incompetence.
Consumer complaint received 2024-01-31
Product: Credit reporting 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, authorize, nor benefit from any of the following inquires I want them blocked & removed immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (GA)

National Credit Systems is trying to collect a debt not owed and dismissed in court a Magistrate Court Judge after XXXX XXXX XXXX stated in court they did not want money to prevent me from expose them for having mold issues in the apartment where I lived with my daughters. My younger daughter had consecutive pneumonias due to the mold. Reporting this as a debt is against the Fair Credit Reporting since I do not owe money to XXXX XXXX  XXXX. The writ of possession and money dues were dismissed in court after they expressed they did not want money. XXXX XXXX   XXXX  is being fraudulent and a police report that will be attached has been  filed.