davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-20
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc. ()

Hi I have been trying to get a response from coinbase regarding a withdrawal of XXXX  to my XXXX bank account. 

When I withdrew the funds from coinbase I selected a XXXX bank account that had been closed for some time and realising the error contacted the XXXX bank that said the money will not go into that account because it was closed and that coinbase will get the money bank in their account. 

I have contacted coinbase a number of times over the last week and they are just sending a standard response with no attempt to resolve my issue and put the funds back into my coinbase account so I can withdraw to the correct account. 

I am now wanting to make an official complaint as a company like this should have made proper contact by now.
Consumer complaint received 2019-07-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Trans Union 's call centers are closed on weekends and evenings. They only allow consumers to report discrepancies between their TU 's regional working hours with unfair regard for consumer location and schedules for work. Unfair to he most vulnerable and the least sophisticated consumer.
Consumer complaint received 2019-07-20
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Yamaha Motor Finance Corporation USA (NC)

XX/XX/2019 made a purchase of 2 motorcycles financed through yamaha motor financing. One is a 99 XXXX and the other a 2006 XXXX. Both ihave a title lien with the credit company. Today i went to discuss making another purchase and was told by the sales rep that it's illegal in NC to finance with Yamaha motor on anything older than 8 years. I honestly don't know if this was a sales tactic or if I've been bamboozled by the original dealership and Yamaha.  Total financed on both motorcycles was initially around XXXX the interest is around 30 percent. I can not use this card for anything besides purchases at an authorized Yamaha dealer so no other purchases were made on this account. Im concerned about the legality.
Consumer complaint received 2019-10-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Jon Barry and Associates, Inc. (TX)

Some collection agency named Paragon Revenue just put two collection accounts on my credit report. One was for {$1400.00}, and the other one was for {$500.00}. Prior to these two collection accounts appearing on my credit report, I had never even heard of this collection agency, much less have any idea what these balances could be for. The Fair Debt Collection Practices Act requires that a collection agency gives me a 30 day notice to dispute, prior to reporting debts to the credit bureaus. However, that never happened in this case.
Consumer complaint received 2019-07-20
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. (NJ)

I sent 4 dispute letters to all 3 credit bureaus ( Equifax, XXXX, and XXXX ). In the letter, I asked them to remove or verify 6 charge off 's that I do not believe are mine. Every time I got a response, they came back as verified. How did they verify these charge off 's belong to me and with who? They provided no proof ( original signed contracts ) that these charge off 's accounts belong to me. They would only send me a copy of my credit report with the same charge off 's still remaining. This is a well-known tactic they use to keep people subprime. They violated my rights under the Fair Credit Reporting Act ( FCRA ) many times and I'm fed up. 

I do understand that they sell my information to the banks. And that the banks make more money off me because I have a low credit score. And that way the bank can charge me a high-interest rate. Thus them making more money and me losing more money. 

The charge off 's on my account are inaccurate and have not been verified and needs to be removed ASAP. I've been violated for months and this has to stop NOW.
Consumer complaint received 2018-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

I recently conducted a review of my credit report, and I noticed that your agency showed XXXX ( XXXX ),  XXXX XXXX XXXX, XXXX XXXX ( XXXX ) credit inquiries without my knowledge. The unknown and unauthorize inquiries in question was apparently made by -XXXX XXXX ( XXXX ) on XX/XX/XXXX, -XXXX ( XXXX ) on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. An unauthorize hard inquiries by XXXX XXXX XXXX on XX/XX/XXXX, and XXXX XXXX, XXXX. I have not informed or recalled of any association with these company. I have contacted XXXX, and XXXX XXXX XXXX   and XXXX XXXX ( XXXX ) requested them to take action to get this inquiry removed from their records and to erase any record of the inquiries with all credit reporting agencies. They assured me they would comply with my request and proceed necessary steps to resolve the issue. I wanted to contact all the credit agency as well, just to make sure the issue would be resolved immediately.
Consumer complaint received 2019-07-20
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Universal Account Servicing, LLC (IL)

On XX/XX/2019, I called Universal Account Servicing regarding the final payment on my account which should be {$230.00}, but is {$420.00}. The representative I spoke with XXXX was uninformed, rude, and not very customer friendly. After reviewing my account, she stated that Aging had been applied to my account to make it current, but I was still responsible for maintaining payments. Over the course of three years, whenever I paid late or missed a payment, I paid the late fees in addition to doubling or tripling payments to bring the account current. So, I should not get to my last payment and have a balance nearly double what I owe. I asked XXXX if I could speak with a supervisor or manager to have the additional fees waived and was told that neither was available. This is standard procedure with this business when a customer asks to speak with a higher up and is apparently an accepted practice, neither was XXXX able to give me corporate contact information. This Aging thing seems to be a way for this business to apply additional funds and needs to be removed from my balance.
Consumer complaint received 2019-07-20
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (PA)

Tried to open a citi savings account on XX/XX/19. I had recently moved and did not have any utilities w/ address that they requested after the application was submitted. I found this requirement odd for people who recently moved. I called on XXXX to inquire about alternative documents which ended in customer representative saying that they did not want my business. I told her to cancel my application and close the account. She assured me that it was done. 

In the following 2 weeks, I received 2 additional emails to fund my account. I called back to inquire why the account is still open on XX/XX/19. I was informed that the application was automatically extended until XX/XX/19 and there were no notes on the account about my previous phone call or request to cancel the application and close the account. I was then told that I had to wait until business hours to call back so that this could be done. In the meantime, I would be responsible for any charges on the account. 

Extending the application deadline so that my account can incur fees while I was being informed the account would be closed seems like fraud to me.
Consumer complaint received 2019-07-20
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Consumer Portfolio Services, Inc. (IL)

My whole life I have been having problems getting credit. My father has been stealing my identity since I was born. There has been tons of jobs under my social and car loans. I never could get a line of credit because had everything under my social. He recently has filed bankruptcy in another state twice and they still havent removed them from credit report.
Consumer complaint received 2019-05-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PRESTIGE FINANCIAL SERVICES INC (CA)

I took a loan for a used vehicle through XXXX XXXX XXXX in XXXX XXXX CA. The loan was financed through Prestige Financial services. The dealership informed me my first payment would be due XX/XX/XXXX. 

This company has never sent me a bill. I have no record of what my payment options are or where to pay. They started texting me around the XXXX of XXXX, but I immediately informed them to stop, not knowing if the text messages were legitimate or a scam. They are still continuing to text my wife who is a co-signer. 

As of Thursday XX/XX/XXXX I was forced to call them to ask how I was supposed to pay. 

Friday XX/XX/XXXX I called back, because the account number given to me by " XXXX '' came up incorrect on their website. I called again Saturday XXXX. As of XX/XX/XXXX, they still have not returned my calls, but again continue to text my wife, without our consent to text messaging. 

During the phone call on XX/XX/XXXX the gentleman I spoke with blatantly told me they do not send bills ( which makes it impossible for a new lendee to make a payment ). I was told " we do everything by text. ''
Consumer complaint received 2019-07-20
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (AZ)

Received a phone call from XXXX on XX/XX/2019, claiming to be Sears Credit Services. I was on another call at the time, so I returned the call and was asked for my account # or Social Security #. I hung up, looked up the number for Sears and called them. They tried to locate an account for me, but indicated there were no accounts open with Sears. Since the 800 number was asking for account numbers or social security numbers, I consider this to be a scam or a scheme leading to ID theft.
Consumer complaint received 2019-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I do not recognize the following inquiry XXXX XXXX XXXX Inquiry from XX/XX/XXXX. Please investigate to ensure there is no fraudulent activity. My name is XXXX XXXX and I live at XXXX XXXX XXXX XXXX XXXX, MD, XXXX. My birthday is XX/XX/XXXX. My last 4 is XXXX.
Consumer complaint received 2019-07-20
Product: Debt collection — Auto debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Santander Consumer USA Holdings Inc. (TX)

My car was in the flood of Hurricane Harvey on XX/XX/XXXX. 2017 Santander Consumer U.S.A. Want 's me to pay them {$600.00}, But {$600.00} was paid towards the settlement amount of XXXX Now they went me to pay them all of XXXX in full. I sent a letter to the CEO of Santander U.S.A telling him about the flood in XXXX XXXX Texas on XXXX XXXX. But they keep calling me!!
Consumer complaint received 2019-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (UNITED STATES MINOR OUTLYING ISLANDS)

All these places show up on my XXXX XXXX I have hard inquires. I have never applied for any credit card or anything. I live in XXXX XXXX XXXX.I have never applied to none of these places. This made my credit score go down eight points. 

XXXX XXXX XXXX Inquiry from XX/XX/XXXX - Home Furnishings XXXX/XXXX Inquiry from XX/XX/XXXX - Bank XXXX Inquiry from XX/XX/XXXX + Utilities & Fuel XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX - National Credit Cards/Airlines XXXX Inquiry from XX/XX/XXXX + Telephone Companies XXXX XXXX Inquiry from XX/XX/XXXX + Telephone Companies Navy Fcu Inquiry from XX/XX/XXXX + -
Consumer complaint received 2018-08-06
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: RevSolve, Inc. (MN)

They started to call me one day and said the name of the person they where looking for and I told them many times I don't know who the person is they're looking for nor have they ever lived at this address with this number. Now they call me several times a week. Every time they call it's a different person from the same number asking about this person and I keep telling them the same thing. I don't know how they got the name mixed up with this number but they have the wrong contact information.
Consumer complaint received 2019-09-30
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. (ID)

I opened a home equity loan with XXXX XXXX. As part of the process, XXXX XXXX paid off and closed several of my credit cards. One of these cards was Citi Bank Diamond Preferred Card with a balance of {$4000.00}. XXXX XXXX sent a cashier 's check to Citi Bank with a close letter in this amount. The account was closed, but Citi Bank said they never received the check. XXXX XXXX  send me a copy of the endorsed check stamped by Citi Bank showing Citi Bank received and deposited it. XXXX XXXX   confirmed the funds cleared. Citi Bank says I still have a balance in the amount of {$4000.00}. Citi Bank refuses to tell me anything except that they can not process the payment. Citi Card Customer Service told me I can not speak with the department that processes these investigations. They told me they can not let me speak to anyone higher than the call center manager, who told me he can't do anything. I spoke with XXXX XXXX, and they advised me to file this report with Consumer Financial Protection.  They told me they can not stop payment and issue another check, because Citi Bank deposited the original check and the funds have cleared.
Consumer complaint received 2019-07-20
Product: Credit card or prepaid card — Store credit card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CITIBANK, N.A. (TX)

Sears Citibank Credit Card reported late payments on this months XX/XX/XXXX & XX/XX/XXXX, even though I called with enough time to ask if any payment arrangements will affect my credit report and they said no. Now theyre saying that because the payment was set up a day after my statement closed they needed to report it that way but never mentioned that through the phone. 

I called to postponed it with ahead of time for the same reason to prevent negative impacts to my credit and because I was going through some financial hardships back then. They help with lowering my payment but I was asked to close my account. I want to make sure those late payments are removed from my account, the account is in good standing and everything owed or due back then was resolved within enough time.
Consumer complaint received 2019-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MD)

I do recognize the following inquiry XXXX XXXX XXXX XXXX Inquiry from XX/XX/2017. Please investigate to ensure there is no fraudulent activity.
Consumer complaint received 2023-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (NV)

The main problem has to do with XXXX reporting information incorrectly. 2 of my credit cards were reporting incorrect balances for more than a month, since XX/XX/2023, for my XXXX XXXX credit card ( {$190.00} ) and Citi Bank credit card ( {$6500.00} ). I put in a dispute to XXXX on XX/XX/2023 to try and correct these balances so my credit score would improve and I would be able to apply for credit cards. On XX/XX/2023, the dispute was " completed '' by XXXX but instead of correcting the balances they deleted the Citi Bank card off of my credit report and did not change my XXXX XXXX credit card saying it was correct at {$190.00} balance. This ended up lowering my credit score 20 points because of the deleted account which I did not ask for. I contacted both of the companies directly and both said they were sorry for the incorrect balances, that they don't know why XXXX was reporting incorrectly, and would make sure they were correct this coming cycle. Citi Bank was not able to add the credit card back to my account which I still need to happen and XXXX was not helpful either, and were not polite on the call with them. The cards are still active so I am hoping that the next credit run, they will report accurately. It is almost XXXX and XXXX has still failed to fix anything I initially asked for even though they said they would " fix it quickly ''. The balances on both accounts are now XXXX XXXX
Consumer complaint received 2023-03-31
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. (NV)

The main problem has to do with TransUnion reporting information incorrectly. 2 of my credit cards were reporting incorrect balances for more than a month, since XX/XX/2023, for my XXXX XXXX XXXX XXXX  ( {$190.00} ) and XXXXXXXX XXXX XXXX XXXX ( {$6500.00} ). I put in a dispute to TransUnion on XX/XX/2023 to try and correct these balances so my credit score would improve and I would be able to apply for credit cards. On XX/XX/2023, the dispute was " completed '' by TransUnion but instead of correcting the balances they deleted the XXXX XXXX  XXXX  off of my credit report and did not change XXXX XXXX XXXX XXXX XXXX  saying it was correct at {$190.00} balance. This ended up lowering my credit score 20 points because of the deleted account which I did not ask for. I contacted both of the companies directly and both said they were sorry for the incorrect balances, that they don't know why TransUnion was reporting incorrectly, and would make sure they were correct this coming cycle. XXXX XXXX  was not able to add the credit card back to my account which I still need to happen and TransUnion was not helpful either, and were not polite on the call with them. The cards are still active so I am hoping that the next credit run, they will report accurately. It is almost XXXX and TransUnion has still failed to fix anything I initially asked for even though they said they would " fix it quickly ''. The balances on both accounts are now XXXX XXXX
Consumer complaint received 2019-07-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (AZ)

My email complaint to Wells Fargo summarizes my problem. 

I am trying to get my name off of XXXX of my children 's accounts. They are now all adults and no longer need / want a joint account. I live in XXXX, they live in Minnesota. 

1 ) XXXX to XXXX # I was told that we need to go to the bank together. 

2 ) XXXX the XXXX #, inform them I can not get us at the same bank at the same time. I was told they could accommodate me by going to a branch and getting paperwork started. 

3 ) XXXX-I go to the XXXX bank and was warmly greeted by a young man. I explained my need and he said they could accommodate me. They were busy and I was unable to stay because of another appointment. The young man suggested I come back Saturday. 

4 ) XXXX-I go to the XXXX branch. I was told by a young man they could not accommodate my request unless all parties were in a bank at the same time. This is not possible due to schedules. I said that differed from what I had been told, he said always call a branch, never the XXXX # and he could not help me. No empathy or care was shown. 


I need this accounts separated NOW!!!!!!
Consumer complaint received 2022-10-06
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: Experian Information Solutions Inc. (GA)

This is XXXX XXXX submitting yet another CFPB complaint to address the Credit reporting Agencies inability to verify the information being reported on my Credit Report as well their inability to report accurate information my Credit File. I previously sent a letter addressed to the Credit Bureaus requesting that the Credit Bureaus take their time to verify the information being reported on my Credit File. I am victim of Identity theft and the accounts I am disputing were the results of such crime. I Started disputing my Credit File on XX/XX/XXXX under the provisions of the Fair Credit Reporting Act section 605b and the last letter I sent to the Credit Bureaus was dated XX/XX/XXXX. The Credit Bureaus have failed to remove the disputed accounts completely from my Credit report and insisted that the information they report are accurate and verified. I do not agree with their findings and demanded proofs of verification for me to be able to verify the information myself. But the Credit Bureaus have also failed to send me copies of documents to support their claims. I am now submitting this CFPB complaint to order the Credit Bureaus to remove the disputed accounts completely from my Credit Report as soon as possible for they have failed to comply with my requests. I need the following accounts deleted immediately : XXXX XXXX & XXXX ( Original Creditor : XXXX  XXXX  XXXX ) XXXX Balance : {$3300.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$900.00} XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX XXXX
Consumer complaint received 2019-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Certified Credit Reporting, Inc. (TX)

Your company illegally pulled my credit within the past 2 years. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest.