davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MA)

XXXX XXXX has been a horrible company to me for many years now and this time it has gotten worse. I had requested for a payment relief from XXXX financial and they advised to either send the documents via mail or electronically. So me and my father ( the co-signer ) decided to do it electronically and uploaded. I thought everything was fine but on XX/XX/XXXX I received a messaged saying it has not been received. I sent again soon after and A few days later XXXX reached out to me and said that the electronic signing is not acceptable. My father and I signed it again with a pen this time and sent it back to them. I never heard back from them so I assumed everything was fine. After a week or so I decided to call them and thats when they told me that I missed the deadline and the debt relief extension was not accepted so I have to send another one. So I did the process again and sent another document. A few weeks later I saw my credit score dropped XXXX points and when I looked at it it was because of a missing payments from XXXX XXXX. I was shocked because Ive never missed a payment before. Since I got this car Ive never missed a payment. I never even missed a payment on anything. When I contacted XXXX about it they told me they cant change anything and their reporting is accurate. I had called prior to that and the agent said they would send the document and never did. They send a message on XX/XX/XXXX asking about the documents but I had already sent it before way before the due date on XX/XX/XXXX which was the main reason for the extension request. Also the document clearly stated to send by XX/XX/XXXX the latest for some reason the system didnt upload it. Why would I risk missing the deadline when Im asking for a debt relief, its obvious I needed help. XXXX financial website didnt upload the first document I sent and this isnt the first the companys website malfunctioned. I have screenshots of failed payment that didnt go through because the website and app malfunctioned. I need this resolved because XXXX has been the worst company I ever dealt with and Id hate to have to take legal action because this isnt the first and only issue I have with XXXX XXXX. To give you a example imma include my horrible experiences with them. This is an on going issue I have with them and I think they purposely doing things to me. I bought my car in XXXX after graduating college at a XXXX dealership. They had new college graduate deal and they insisted buyer must have a co-signer so my father was my co-signer. The XXXX dealership purposely left my name out of the car registration and tittle so basically Im not the owner unfortunately. For years Ive been fighting to get my name on the title and they never resolved the issue. This is one of the many horrible stories I have with XXXX. Now theyre trying to ruin my credit score. Sorry this long but Thank you so much for helping me deal with this horrible corporation.
Consumer complaint received 2020-03-06
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: COAST PROFESSIONAL INC (IN)

On or about XX/XX/XXXX I received a letter from Coast Professional Inc. in regards to a student loan debt and the letter was dated XX/XX/XXXX but the return address was California ( even though their communication address is in XXXX XXXX, LA it came from California my guess is so they can XXXX people over ) I sent them a letter requesting VALIDATION because the DOE is already taking 15 % of my XXXX each month plus the DOE has taken thousands of dollars and these people are saying I owe them {$35000.00}. When the original amount was about {$20000.00}. 

In XXXX Coast Professional contacted me and sent someone elses Name, SS #, address, DOB and other information to me and once I complained to the DOE it was dropped so now Im skeptical that they are trying to pull one over on me. But if they are truly collectors for the DOE why dont they know that Im XXXX and the DOE is collecting my XXXX? 

Today I received another letter dated XX/XX/XXXX threatening me with everything that has already been done to me so they waited 1 week after the first letter to send another harassment letter! On or about XX/XX/XXXX I sent them a cease and desist letter to stop all contact.
Consumer complaint received 2020-03-06
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Please see CFPB case XXXX. 

Capital One, in the letter they provided ( and attached to that case as their response ) said this : " The funds were reversed and sent back to XXXX XXXX XXXX  on XX/XX/XXXX ''. 

XXXX XXXX XXXX  ( now XXXX XXXX  ) has not received these funds. Staff at XXXX XXXX  - and also staff at the account-holder 's business - have looked for return of my money ( {$650.00} ) and find nothing. 

Capital One needs to document - actually prove - they returned the funds, as stated in their letter. Capital One must provide electronic information, if the return was made that way, or document the paper check they sent back to XXXX XXXX. 

I've left 3 messages about this problem for the person who signed the letter ( XXXX ) from Capital One. I have received no call-backs. 

Summary : Capital One said they returned my money on XX/XX/XXXX : they did not. If they continue claim they did, then they need to prove that.
Consumer complaint received 2023-05-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I went to the bank to open an accout and when the banker got my information she said she couldnt open my accout that is shows SUSPECTED FRAUD ACTIVITY which im confused and i had a situation before when i was robbed and my wallet was take and police report was files about identity theft and it has been resolved and now i want to open account and it not leting the bank help me open the account. Thank you
Consumer complaint received 2018-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a victim of identity theft. My apartment was broken into and several identity documents were stolen. After the theft several accounts were opened in my name. I have had to dispute these accounts in the past. Now there is only one account left. The collection account from debt collector " XXXX XXXX '' is being reported on my credit report. This collection account is for an original creditor. The original creditor is an apartment complex called " XXXX XXXX ''. This apartment is the address that all the fraudulent accounts were opened at and credit and debit cards sent to. I never lived at this apartment complex nor have I ever agreed to any lease with this apartment complex. Every single bank has done their own investigation and found that I did not open the accounts nor did I live at the XXXX XXXX address. I have filed a police report and an FTC Identity theft report. I submitted this information in a dispute directly to XXXX XXXX 60 days ago yet they still are reporting this negative account on my credit. This is the only negative item on my otherwise perfect credit report. 

I have attached the following documents to this dispute : A copy of the police report A copy of the FTC identity theft affidavit A screen shot of the " XXXX XXXX '' webpage showing the address which is the fraudulent address where credit cards where sent to and where a lease was executed in my name without my knowledge or consent. 
A copy of the XXXX credit card application that was opened in my name, showing the XXXX XXXX address A copy of the letter from XXXX showing the results of their investigation removing me from the account and deleting it from my credit report.
Consumer complaint received 2022-12-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX Account needs to be completely deleted from account! this was a pay to delete for a settled amount! XXXX has completely removed this from consumer report. It should also be removed because this was a collection account thats reporting as open which is not under FCRA compliance, this is a violation of requisite XXXX XXXX Compliance reporting standards. My dispute letter was sent before they listed it as paid on my consumer report! According to the Fair Credit Reporting Act I have a right to a completely accurate report, and its required to be removed if any information is not true, verifiable, and accurate.
Consumer complaint received 2020-12-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (UT)

For years now we have had an account at CitiBank ( Costco ) and have always made our payments online and on time. Because we discontinued our membership at Costco a year ago, they for some reason removed access to our online account ( where we made payments. ) Since that time we have gone round and round about making payments through our bill pay service at the bank, and because of the failure on their part to post correctly, we are getting charged undo interest and fees. We are currently paying this through our online banking with the information provided by them. I am consistently called and told I have a past due payment when it was sent weeks ago by my bank. Today they were calling me for {$7.00} in past due something, but will not allow me to pay less than my minimum payment. They tell me I should pay by calling in my payment, or setting up automatic payments, and I do not feel comfortable ( with this current screw-up ) I should have to do this. Every time I call to get help, I get transferred to multiple extensions and told I will be credited for this mix up, but that does not seem to happen and I continue to get calls. The overall impact on my credit is another issue because now they report me as paying late when I pay my payments. I am tired of having to explain this issue with every single person who calls me and get no resolution. They need to give me back my online access so I can pay through that portal. Oh the topper for all of this is they say I have to know the entire card number. Since I do not use it and closed the account at Costco I destroyed the cards. They will not send me nor provide me the account number. HELP!
Consumer complaint received 2020-12-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FinCo Services Inc DBA Current (OK)

I've had an account with current for close to a year or more if not longer. account was opened late XXXX/early XXXX. Current first suspended the account in the first few months of XXXX. I don't know the details or the specifics about why they have suspended my account but still gets deposits in the account and it still says it's suspended and under review and it's been saying that for almost a year. They do not give any information as to when they will unsuspend the account they do not answer emails, phone calls or when I tried chatting with them on someone else 's current bank account app. Current suspended the account with money in the account and refuse to release the money to me the account owner or at let me have any access to to any part of the account until I contact you to a lawyer and was going to see them and told them I was going to sue them if they did not release the funds and us has been a account due to US state law saying they can not keep me from an account that I am the owner of. This is the second time they have had the account suspended with funds in it or being deposited it refused to answer any questions or concerns via email phone call or chat. They are being unreasonable and very unprofessional when it comes to this financial matter.
Consumer complaint received 2020-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

My credit score is very low because 89 % of my credit is used but this is not true. First, I am disputing the mortgage balance of an additional XXXX that was fraudulently added and second, I've paid down credit cards and this is not reflected on my report.
Consumer complaint received 2020-12-30
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: American Coradius International LLC (UT)

Receiving calls from ACI LLC, XXXX. Recorded msg refers to debt collection. Neither I or my wife have any outstanding debts and have 820+ credit ratings. Today ( XX/XX/2020 ) received 2 recorded calls from ACI so I called them after the second call today and they asked for my name, which I refused to provide ( They could see the number I am calling from and it is the same number as they are calling me on. ) Respondent said he would have to refer me to a supervisor. I hung up after being on hold for 5 minutes.
Consumer complaint received 2020-03-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (CA)

My card is Citi Dividend card which every quarter will have a 5 % cash back in specific purchase category promotion program. This quarter ( XXXX - XXXX ) the category is " Fitness club and Supermarket '', the original sign up page is here : ( https : //www.citi.com/credit-cards/credit-cards-citi/citi.action? ID=dividend-quarterly-offer ) and there is only one short sentence explain what is " fitness club '' : " Fitness clubs are classified as merchants that operate sports and recreation facilities requiring membership. '' I used this card to purchase 20 classes from " XXXX XXXX XXXX XXXX CA '' on XX/XX/2020 and I think my purchase is totally match the requirement of fitness category because this is a sports center requiring membership and my classes are all about fitness. However, the citi just gives me 1 % cashback and recognized my purchase as Health Care which I think is totally not reasonable, this is not a dental or eye care but fitness classes, how can they say this is about health care. I believe this is a wrong category recognization. 

I talked to Citi, they just said the category is somehow self supported by the merchants and they can do nothing and refused to give me extra 4 % cash back. I do not think this is acceptable because as a customer we do not have any ability to know which code my fitness center is using and what kind of category it is, what I know is I see your promotion program says this quarter I will get 5 % cash back if I use my Citi Dividend card to purchase fitness classes. Otherwise why I will use this card to pay for this purchase? I have some other products from other bank can give me 1.5 % ~2.25 % cash back for any general purchases, I have no reason to use a card only give me 1 % cash back, so I believe this is a false advertising and my request is to get 5 % for my this fitness purchase.
Consumer complaint received 2020-03-05
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (GA)

I received an unsolicited pre-paid card in the mail with my name on it. The card was from Brinks Money and was issued by Mastercard, but I never signed up for any pre-paid accounts. Apparently its some type of XXXX XXXX, but again, I never signed up for this card. Im the only person involved, and I dont believe Ive lost any money, but it is still concerning that a ghost account was made without my permission from Brinks.
Consumer complaint received 2020-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (PA)

My Navy Federal Account is showing as closed when it is opened. The account has a {$35000.00} credit limit. I called they said the account should not be reporting as closed but they did not update it. Please help. I copied the proof from my report below Navy Federal Cu CLOSED XXXX XXXX XXXX Last Updated XX/XX/2020 XX/XX/2020 XX/XX/2020 Payment Status Pays account as agreed Paid or paying as agreed This is an account in good standing Worst Delinquency None Reported None Reported No update received Balance {$0.00} {$0.00} {$0.00} Credit Limit {$35000.00} {$35000.00} {$35000.00}
Consumer complaint received 2023-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2022-12-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

The truth to facts of the secondary mortgage is that a Beneficiary Seller Agent, which prepared a Sales Contract, Promissory Note Agreement of the Buyer, unlawfully converted the Promissory Note Agreement, that is a Substitute for Cash, into a Investment Deed of Trust Contract, in favor of the Beneficiary Seller Agent, by legal fraud. The undisclosed principal trustee, custodial cestui que trust, or SSN, has property interest in a financial public revenue unit asset note, and it is a violation of real property rights of the absolute trustee for an agent to hold, transfer, or deal with the financial asset interest. A authorized, licensed dealer representative of State, is defaming a natural person trustee character, by giving false reports on credit, as if it is a Beneficiary Seller Bank 's credit, and Debasing a Legal Persons Promissory Note, blank endorsement, by extortion of credit. This common law of agency, undisclosed principal scheme, hides who is the trustee, along with the original note that shouldve zero balanced out the commercial paper transaction, credit sales contract. Deceptive or fraudulent security exchange business practices is when a seller or buyer agent, makes or induces others to rely on a false or misleading written statement for the purpose of obtaining contractual property, promissory note agreement, security interest or credit. PUBLIC AUTHORITY IS SUPPOSE TO PROTECT THE PUBLIC INTEREST, NOT IMPAIR SSN CONTRACTS
Consumer complaint received 2024-03-19
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. (NY)

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. 
XXXX XXXX, and, XXXX XXXX has violated my rights. 

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 2022-12-24
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

The truth to facts of the secondary mortgage is that a Beneficiary Seller Agent, which prepared a Sales Contract, Promissory Note Agreement of the Buyer, unlawfully converted the Promissory Note Agreement, that is a Substitute for Cash, into a Investment Deed of Trust Contract, in favor of the Beneficiary Seller Agent, by legal fraud. 
The undisclosed principal trustee, custodial cestui que trust, or SSN, has property interest in a financial public revenue unit asset note, and it is a violation of real property rights of the absolute trustee for an agent to hold, transfer, or deal with the financial asset interest. 
A authorized, licensed dealer representative of State, is defaming a natural person trustee character, by giving false reports on credit, as if it is a Beneficiary Seller Bank 's credit, and Debasing a Legal Persons Promissory Note, blank endorsement, by extortion of credit. 

This common law of agency, undisclosed principal scheme, hides who is the trustee, along with the original note that shouldve zero balanced out the commercial paper transaction, credit sales contract. 
Deceptive or fraudulent security exchange business practices is when a seller or buyer agent, makes or induces others to rely on a false or misleading written statement for the purpose of obtaining contractual property, promissory note agreement, security interest or credit. 
PUBLIC AUTHORITY IS SUPPOSE TO PROTECT THE PUBLIC INTEREST, NOT IMPAIR SSN CONTRACTS
Consumer complaint received 2020-12-30
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NY)

On XX/XX/2020, the amount of {$590.00} was deducted from my savings account. Someone used my bank account and routing number to pay a XXXX credit card bill. The persons name on the check is someone named XXXX XXXX XXXX. I dont know this person and I have no clue how they had access to my information. I constantly check my account, and the same day that this happened I called the bank. Ive been calling Santanders customer service number, as well as attending the branches to get resolution and they keep giving m the long run and until this day they still havent fixed my issue. Customer service does not want to help, neither the branches. I even had affidavit of forgery notarized and I went to the branch and submitted. I call Santander the following week to follow up and they tell me the case has been closed because I never submitted the affidavit of forgery. Ive been calling and visiting branches none stop to get this resolved and no one has helped. At this point i dont know what else to do.