davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had booked an XXXX for a XXXX XXXX trip from XX/XX/XXXX to XX/XX/2020. Our room had an unbearable smoking smell as if someone had been smoking packs of cigarettes in the room. I was pregnant and had two elderly people with me, otherwise I wouldnt have mind and just sucked it up. We had told the employees about the situation and they had agreed it smelled like cigarettes and that the manager will be there the following morning and they will switch our rooms. We arrived in XXXX  around XXXX XXXX. The next morning, the manager refused to switch our room and kept saying there was no smell but cigarette smell is strong and it lingers. She had stated we had to pay {$400.00} CASH if we wanted a new room. They had also required cash deposit and daily hotel fee in cash, as well. The manager was inconsiderate and very rude. There is also many reviews that the hotel steals peoples deposits. We ended up that morning after the interaction with the manager and had booked another hotel. XXXX said they would help me after constantly putting me on hold and hanging up on me. Their customer service is beyond horrible. 

Attached are proof that we had to book another hotel the next day and a few messages. She had said lies and said we had ruined her walls and ruined the room, which is why she is not giving our money back. Why would we do that? This was my birthday trip with my family and I was on my XXXX XXXX of XXXX. This was the worst hotel with the worst manager. The whole place was sketchy with wanting only cash transactions.
Consumer complaint received 2021-07-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Corp Solutions Inc. (PA)

Dear CFPB : Thank you for the opportunity to exercise my rights under the Fair Credit Reporting Act ( Section 609 ) to dispute erroneous items in my credit file. Hence, I am submitting a dispute for the fraudulent XXXX XXXX account on my XXXX  Credit Report. Credit Corp Solutions is the collection agency attempting to collect this debt. 

REASON : The reported account in the amount of {$1200.00} is unverifiable and not mine. 

I have attempted to resolve this matter with the collection agency without success. I also placed this fraudulent account in Dispute with XXXX  on XX/XX/2021 and XX/XX/2021. At that time, I requested a " fraud alert '' be placed on my credit file.
Consumer complaint received 2023-03-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I am trying to access a portion of my unlimited credit and Bank of America will not let me do so in any form. I applied for a car loan and a credit card in XXXX and was denied both times. Due to this denial I had to go with a subprime bank to purchase a vehicle. 

They are also threatening to close my checking account for being in the negative. Not being able to access credit has cost me dearly. 

I need to know all the factors underwriting used to deny my consumer applications based on the law? 

I also, need to remind them that their policies are not in alignment with the law according to 15 U.S. Code Subsection 1611 for willful and knowing you are in violation as well as the securities and exchange act of 1934, and CFR 321, 328.6 and adverse action.
Consumer complaint received 2023-03-20
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: Experian Information Solutions Inc. (CA)

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 2023-03-27
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: NAVY FEDERAL CREDIT UNION (FL)

I am trying to access a portion of my unlimited credit and Navy Federal Credit Union will not let me do so in any form. I applied for a personal loan and a credit card XX/XX/XXXX and was denied both times. 

They are also closed several of my checking account for being in the negative, and I am recently finding out all of their denials and account closings are illegal. Not being able to access credit has cost me dearly. 

I need to know all the factors underwriting used to deny my consumer applications based on the law? 

I also, need to remind them that their policies are not in alignment with the law according to 15 U.S. Code Subsection 1611 for willful and knowing you are in violation as well as the securities and exchange act of 1934, and CFR 321, 328.6 and adverse action.
Consumer complaint received 2021-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have filed numerous disputes with each credit bureau asking them to remove inaccurate information none of them have done so. Each bureau is reporting something different on my credit report which is grounds for removal of those accounts
Consumer complaint received 2023-03-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

On XX/XX/XXXX they placed my account under refview and will not give me any information. They did not notify they were putting my account on hold and froze my account and i did not find out until i went to make a purchase on XX/XX/XXXX. 

I have escalated multiple times and they accepted my paycheck but wont give me the money. I have a active XXXX XXXX case and they are in violation of the automatic stay by not releasing my funds. 

I want my funds sent to me and the account closed. I am fine if they dont want my business but they are holding my funds XXXX. I have {$2400.00} showing available but they are keeping it XXXX.
Consumer complaint received 2023-03-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Bank of America sent email that I need to unfreeze my credit to get a credit card I did not apply for XXXX time a card was issued for me and my spouse.. 
XXXX  time in 3 months Telephone number on email does not answer My credit is on freeze because of this activity by BOA Bad business practice Bank of America
Consumer complaint received 2021-04-14
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Absolute Recovery Services, LLC (TN)

I was living in XXXX XXXX XXXX and they keep changing management and they was stealing rent payments and they kept switching up so when they finally settle with one management group and they found alot of people payments that they misplaced and this XXXX was not supposed to be my balanced because i paid on time and we never went to court because they was wrong and i would like this deleted from my account immediately
Consumer complaint received 2021-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XX/XX/2021 XXXX Birthday XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  & Trans Union I was looking over my credit report today and found a bankruptcy which should not be on my account. I would like you to investigate and verify the following bankruptcies, or promptly remove them from my credit report : None of my account are in BK. This is my final request to remove this unknown two BK XXXX and XXXX Chapter XXXX XXXX Chapter XXXX XXXX The court informed me that they do not provide anyone with a debtors full social security number, and they do not provide ANY credit bureau ANY information relating to any bankruptcy cases. I have included a copy of the response from the courthouse for your reference. It is quite clear that someone from XXXX  & Trans Union lied about verifying this bankruptcy with the courthouse. That is a violation of the Fair Credit Reporting Act ( FCRA ). 




XXXX XXXX XXXX
Consumer complaint received 2023-03-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY (VA)

I was supposed to receive a distribtuion from employement retirement services from Wells Fargo for {$34000.00} on XX/XX/XXXX. They confirmed this transaction but this time they sent Wells Fargo XXXX as payment as I learned on XX/XX/2023. The adminstrator and Wells Fargo HR ( both confirmed this. 

I called XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ), XXXX XXXX ( XXXX XXXX XXXX XXXX ) as directed and both confirmed no shares were received or an account even exists. Therefore I can not sell the stock while the stock is " lost '' by Wells Fargo as distribution for my retirement plan. 

The stock has lost value and I have no ability to sell and the company is only able to confirm distribtuion but not the location and as of XX/XX/2023 " lost ''
Consumer complaint received 2022-07-26
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. (PA)

Please take a look at the attached letters and ID docs for verification that it is I, XXXX XXXX, filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2018-05-13
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (NC)

In XX/XX/XXXX, I applied for an equity loan against my primary residence and was denied citing two missed mortgage payments ( XX/XX/XXXX & XX/XX/XXXX ) on a secondary property. I provided the reason I missed the payments as follows : In XX/XX/XXXX, while on vacation, my sister suddenly had XXXX XXXX. She was rushed to the ER and admitted with a diagnosis of XXXX XXXX XXXX. We were out of state and she could not be stabilized to travel back home.The expenses for treatments and consultations mounted and I had to help bear the costs. I notified my mortgage company of the dire situation and informed them the payment would be missed for the two months. This was a very difficult time for me financially and I needed help. In XX/XX/XXXX, I reapplied for the same equity loan as I had been told to wait one year due to the two missed mortgage payments, however I was denied again. I initiated an appeals process in order to address the concerns raised by the Equity Processor. I was thorough with my explanations and documentation, however, when I received their formal letter of denial it stated the information I provided was not sufficient to alter the original decision. I was disturbed by their response because one of the areas of concern dealt with my debt to income ratio. I provided them with a lease agreement from my tenant who has an account with their bank. I also provided the tenant 's account information showing each monthly payment. I fail to understand why this additional information was not helpful since the mortgage payment is {$1600.00}. Additionally, I provided a full explanation as to why I missed the two mortgage payments as well as a disputed charge-off by XXXX XXXX. Another area of concern was a {$15000.00} loan I took out in desperation when the equity loan was denied. The interest rate on this loan is 24.57 % ; term of the loan is 36 months and the monthly payment is {$550.00}. My credit report will document I have had no late payments on any account ever, except the mortgage situation I explained above.
Consumer complaint received 2021-07-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. ()

Hello, I would like to report a complaint related to the Coinbase ( Coinbase XXXX  , Inc. ) cryptocurrency exchange platform. They refuse to refund my crypto funds. I faced a problem of accidental transferring my XXXX  crypto funds from the Coinbase Wallet directly to XXXX  address in Coinbase Exchange and my money got stuck/was lost ( not showing in my portfolio balance ).

The thing is, - I successfully sold my NFT item on XXXX XXXX and the money showed up in my account ( Coinbase Wallet ) as XXXX instead of XXXX  so I assumed they were interchangeable. 

At the beginning, I didn't even assume that the cryptocurrencies must be manually converted and XXXX/ETH are completely different cryptocurrencies and it's possible to wrap XXXX from XXXX ... It was all new to me ... 

I used only their Coinbase-related services ( Wallet and Exchange ) and transaction hash shows that it is successful, providing the link below : XXXX XXXX XXXX If you check my XXXX ( to which I transferred my lost XXXX  funds ) using XXXX  link above, - you can clearly see that it actually holds my money.

This means that they have not disappeared and are actually stored in this XXXX XXXX that is controlled/owned by Coinbase.

But Coinbase tech support keeps telling me that : " Cryptocurrency transactions on the blockchain are irreversible, meaning once they are sent, there is no way to recover funds. ".

However, XXXX  is an ERC20 token so they should be able to access it from the Ethereum wallet address I sent it to. ERC-20 tokens ( XXXX  ) and XXXX  use the same addresses so they can be recovered. The Ethereum chain supports ERC20 tokens.

XXXX XXXX  address is a valid ERC20 address, meaning I can send any ERC20 token to it. The coins I sent would technically be sitting in a wallet that Coinbase controls.

I've already tried to contact them privately and solve my situation through their tickets ( # XXXX  and # XXXX  ) and even using social media such as XXXX : XXXX XXXX XXXX This wouldn't be acceptable for any other financial institution, they hold my funds in a wallet and refusing to return them. 
I'm also ready to pay a fee for a refund from my side. 

I really hope that you will help and support me here. 

Looking forward for your feedback. 

Thank you in advance.
Consumer complaint received 2018-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I have several serious issues 1the amount credit usage 2 payment history 3 amount of times late 4 balance of payment left 5 deragoatory marks or statements not true 6 inquiries hard 6 fraud alert 7 amount of credit limit
Consumer complaint received 2022-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 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 reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: MoneyLion Inc. (MI)

Money Lion makes available to its members a Credit Builder Plus loan and a XXXX loan. The credit builder plus loan requires you to have a membership that is independent of the XXXX  account. Upon paying off my credit builder plus loan, I attempted to reborrow but kept getting a message saying " your internet connection is down '' when in fact I had full service. After calling Money Lion, they said " upon checking, we see that you have a balance on your XXXX  account and you can not reborrow until that is paid '' 1. The message is misleading and deceptive and I was never notified if I paid off, I could not reborrow. It is obviously not an internet issue, rather another shady business practice by this company. 
2. The accounts were independent and non contingent on each other. My membership fee is excessive, but does not include use of XXXX, as those fees are paid above and beyond what is included in the membership. These loans are not connected at all and should not depend on each other for approval. 
3. This isn't the only functionality issue I have had with the app. This summer I was trying to make payments using debit card and the functionally was broken for months even though they advertised it.. I had to provide payment info over emails many times to reps so they could run it manually which was completely insecure and unprofessional. 
4. XXXX XXXX  loan amounts change constantly and are inconsistent, putting borrowers in dyer financial situations when they can not reborrow the same amounts from the previous week. This does not help build financial stability as marketed, instead causing financial distress and putting borrowers in unmanageable situations.
Consumer complaint received 2023-03-27
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: TRUIST FINANCIAL CORPORATION (AL)

XX/XX/XXXX Regional Acceptance Corp filed a dispute with XXXX a county for {$20000.00} in dues owed after vehicle was repossessed and sold. 

Reached out via email and phone twice last year and sent a letter in XX/XX/XXXX requesting information on how to begin payments to resolve debt.
Consumer complaint received 2023-03-16
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: DISCOVER BANK (PA)

Dates associated with item being disputed : opened XXXX XXXX Explanation of items being disputed : Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

Enclosures : Federal Trade Commissions Identity Theft Affidavit.
Consumer complaint received 2016-12-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (MO)

i recently had a fraud alert in place. i ordered a credit report and noticed there were many things included in that report that were not authorized by myself. I later disputed the items they were all removed ( XX/XX/2016 ) and then days later they were added back ( XX/XX/2016 ) i tried speaking with the company ( Equifax ) as well as faxing them supporting documents they refuse to admit they were at fault and told me to start the dispute process over ... ... it is not fair to me that once successfully completing the dispute process and getting the results craved that the company adds them back and without any reason and or written notice ... ...
Consumer complaint received 2021-04-14
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Bureau Central Inc (MS) (MS)

I recently check my credit report on XX/XX/2021 and notice some collections from CREDIT BUREAU CENTRAL , INC D.B.A. CBC RECOVERY, LLC for some alleged debts of {>= $1,000,000}, and XXXX that i do not owe. I sent them letters on XX/XX/2021 requesting for documentation of the alleged balances, as of yet I have not heard anything from them.I also have attached copies below for the records. this is stressing me out and causing my credit score to decrease.
Consumer complaint received 2019-09-26
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. (MD)

Experian has failed to respond to the 1st and 2nd letters, which is a clear violation of the FCRA. As of today, it has been 65 days since I sent out my first letter ( see certified return receipt and prior letter attached ). The FCRA requires that you investigate all disputes initiated by the consumer. 
I demand that you delete the inaccurate trade lines listed below : XXXX XXXX XXXX   XXXX By the provisions of the Fair Credit Reporting Act, I demand that this item be investigated and removed from my report. It is my understanding that you will recheck this item with the creditor who has posted it. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Consumer complaint received 2023-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX company is not reporting my credit on time they reporting a whole month later I pay on time every month they report it the next month which is makin my credit score not approve as it should be! I will like my credit score as it should be! I have them in court also for fraud!