davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (VA)

On or around XX/XX/2021 I filed a complaint about unauthorized charges to my joint account. 

The specialist XXXX XXXX XXXX took a report and described the initial process. She explained that a claim would be issued. The claim number provided was XXXX. She also indicated that a copy of the documentation would be available to me via email. By the way, I never received the form. 

A follow up message was sent on XX/XX/2021 to XXXX requesting an update. The information provided indicated that the claim was being processed. There was a mentioned of correspondence being sent to explain actions. 

The facts as follows : 1. Unauthorized use of card by merchant to renew membership products. 
2. Issuance of NSF fees due to XXXX 's approval. 
3. Dispute made to bank 4. Bank makes determination without providing customer with sufficient evidence of an investigation and policy application. 

The amounts in question are : XXXX  {$14.00} + NSF Fee ( {$36.00} ) XXXX {$39.00} + NSF Fee ( {$36.00} ) XXXX {$8.00} + NSF Fee ( {$36.00} ) The bank has sent threating letters and emails about closing the account. The frequency became overwhelming, almost every week. I consider these actions very oppressive and unethical. I will NOT close my account unless I am ready. It is your responsibility to respond to claims and disputes about banking matters. Lastly, I need to understand why are you deciding that my claim is not valid?
Consumer complaint received 2017-12-28
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Atlantic Recovery Solutions LLC (NY)

I receive calls from this company almost every day, day and night to the point of harassment. The calls are on both my work and mobile number and have I repeatedly asked not to be called. I was told they will harass my family members until the debt is paid. I was called " XXXX face '' and " XXXX '' by two of their agents. Told a XXXX year old should be embarrassed about having a debt like this. I really do n't know what the debt is and have asked for information in writing which has not been forthcoming. Some of the people who have called are ; XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and there are others who do not give names.
Consumer complaint received 2017-12-28
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

On XXXX XXXX, 2017 I called PORTFOLIO RECOVERY in regards to settling the account # XXXX. My offer of {$300.00} was rejected. I was given instalment payment options instead. When I ask for statement, receipt, and/or paper recollection of such agreement, the representative refused and stated that the companys policy was that no paper agreement and/or receipt would not be issues to the debt was paid off. I found this strange that an agreement could be reached over the phone without a paper trail. Also, I asked them for proof that this agency acquired the debt form the original owner and was told no proof was necessary. This is strange practice that needed to report to CFPB. Please look into this matter as to why this firm has such strange practices.
Consumer complaint received 2022-03-10
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I have 1 negative accounts reporting with Kohls Capital One. The account in questions will be attached to the following CFPB complaint. There are multiple payments reporting late. The late payments being reported was reported during a period of being on XXXX XXXX military and being XXXX. This falls under SCRA. Please review the following attachments and correct the following late accounts to paid on time.
Consumer complaint received 2020-05-29
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: JPMORGAN CHASE & CO. (GA)

on XX/XX/XXXX I recived a inquiry on my credit from XXXX XXXX XXXX. I didn't authorize this inquiry and so I disputed it for deletion and I was told to reach out to the creditor. I attempted to reach out to the creditor to get proof of authorization for this inquiry but to no avail. 

On XX/XX/XXXX I recived a inquiry on my credit from XXXX XXXX. I didn't authorize this inquiry and so I disputed it for deletion and I was told to reach out to the creditor. I attempted to reach out to the creditor to get proof of authorization for this inquiry but to no avail. 

On XX/XX/XXXX I recieved a inquiry on my credit from Jpmcb Card. I didn't authorize this inquiry and so I disputed it for deletion and I was told to reach out to the creditor. I attempted to reach out to the creditor to get proof of authorization for this inquiry but to no avail.
Consumer complaint received 2019-03-05
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

Portfolio Recovery Associates called my cell phone looking for my mother. She does not have the same phone number and they would not tell me why they were calling her. I asked how they got my phone number, and she repeated asking for my mother. This debt collector is calling other people other than the debtor in attempt to ruin a persons reputation in order to make them pay. Would not give any other information, and then hung up.
Consumer complaint received 2017-12-28
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Hello, My name is XXXX XXXX on XX/XX/XXXX a pension disbursement check from XXXX XXXX XXXX XXXX XXXX XXXX was deposited to XXXX XXXX XXXX in a IRA the amount of {$7200.00}. I made another withdrawal in XX/XX/XXXX of {$1200.00}. I made another withdrawal of {$1500.00} in XX/XX/XXXX. I forgot about the money years later and never withdrew anymore. The bank was taken over by Bank of America and I inquired about the money and I was told there is nothing in the account. So I would like to know where the remainder {$4500.00} plus interest.
Consumer complaint received 2019-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I reported the identity theft to all three bureaus and they all complied. Except Equifax who left one account on my credit file that I reported to the FTC and to the police that it was fraud from identity theft. However, Equifax told me they were not removing it, after I sent them all the documentation they needed. The account that is fraudulent and still reporting is below : XXXX Account Number- XXXX********** Account Balance- {$19000.00} Date Opened- XX/XX/2015 Thank you.
Consumer complaint received 2019-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I checked my credit reports and noticed many different variations of my name and address. I have tried to reach out to XXXX, XXXX  and Transunion by phone to dispute these variations but have not been successful. 
The correct first and last name : XXXX XXXX. 
The correct Street Address is XXXX XXXX XXXX XXXX, XXXX, FL XXXX. 
The correct phone number that should be listed is ( XXXX ) XXXX. 
The correct social security number should be XXXX. 
The correct Date of Birth should be XX/XX/1983.
Consumer complaint received 2021-02-06
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: EQUIFAX, INC. (MS)

I have been disputing this account since XXXX. It was changed to charge off/ paid for less than full amount However that is NOT ACCURATE! 
It also reports different Closed Dates on all 3 of my reports, one report has XXXX, one has XXXX, and one has XXXX. The payment history is also inaccurate! Ive been fighting this for 2 years! Theres 2 different creditors being reported, though it may be the SAME COMPANY, the reports show One In Nevada and one shows XXXX. They only UPDATE it each time .... 
nothing about this account is ACCURATE!
Consumer complaint received 2017-12-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (TX)

In reference to Case # XXXX - LOCKED OUT OF COINBASE AND UNABLE TO ACCESS MY OWN MONEY FOR 8 DAYS AND COUNTING! 

Coinbase has locked me out of my account without any correspondence for eight entire days following a delayed withdraw incident I perceived as a possible hack scenario. Previously, I 'd attempted to send litecoins to my XXXX but something went wrong on the exchange site ; it said the transaction was complete after multiple seperate attempts, but maintained my same balance as if nothing happened in trade view ; also, there were no funds added to my external XXXX XXXX  so I figured nothing happened. Over some course of time, the Litecoin began to mysteriously leave my XXXX account long after my intital attempts to transfer and I was n't seeing them in my XXXX XXXX ( Not typical in any delayed transaction I 've ever experienced ), so in a panic I contacted Coinbase and inquired with them as to what I should do for tax purposes if coins are stolen because I already knew they would n't / could n't refund me for anything stolen. Moments later, my coins began to trickle into my XXXX very slowly. I was relieved and informed them several times that I no longer have reason to believe my account was compromised and that I changed my password as they requested and to please unlock my account. My account has been locked for over a week and I have not had access to my own money in my own account. I only want it to be unlocked so that I can regain access to what belongs to me. I went to their subreddit accounts below and begged each person below to unlock my account as I was losing a lot of money and could do nothing because my hands were tied : XXXX ; coinbase_josh ; CoinbasePatrick ; coinbaseXXXX Employee ; XXXXCoinbase Employee ; coinbase_cindy ; Coinbase-XXXXVerified Coinbase Employee ; XXXXcoinbase ; I sent each person an email desperate for help and still have had NO RESPONSE from anyone since they locked my account. I can be reached at the email account associated with the case number/request and would like them to notify me after they 've unlocked my account. Thank you.
Consumer complaint received 2019-03-05
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Byrider Franchising, LLC (CT)

I purchased a used car through XXXX XXXX in XXXX of XXXX. They have an on-site loan company called XXXX. As is the cars are sold at triple book value. I made on-time bi-monthly payments of {$180.00} up until XXXX. If they were late it was never more than a couple days. I became XXXX and was granted full SS XXXX in XX/XX/XXXX and caught up on any late payments in full by XXXX XXXX. However I began to fall behind again as 5 of us live off my SS. I knew that I was now in the window of repossession but had not received a formal letter as of yet only some contacts by XXXX XXXX manager ( only employee ) stating I need to call her to prevent any escalation. On XXXX, XXXX XXXX I received my SS as direct deposit. The following evening my husband went to the bank and called me in a panic that there was only {$44.00} remaining in the account and XXXX had put through 7 consecutive payments of {$180.00} totaling {$1200.00}. I contacted the bank immediately to contest the charges and notified their fraud department because I never gave authorization for ANY deductions. I called my local PD who said they could only take a report. I called the main office, after hours number and texted messages to XXXX to please call me immediately to discuss. It's been 5 days and still no communication from XXXX. They were suppose to delete my debit info. after every payment due to an unauthorized charge about a year ago. Their suggestion was to remove my payment info ( debit card number etc. ) every time I made a payment to prevent it from happening again. They shouldn't of even had my card info. let alone charge my checking account 7 times. This has put me into severe financial hardship and I am now at risk of eviction, power shut off, no car gas, no food, etc. My SS XXXX is our families only income and they took it and I can't even reach them to discuss why! I left a message that said " you repo the car, you don't drain my checking account without permission! '' and still no response. I have called every given number and texted as well, and still nothing!
Consumer complaint received 2017-11-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY (NY)

XX/XX/XXXX ATM DEBIT XXXX XXXX XXXX XXXX XXXX XXXX {$22.00} XX/XX/XXXX PURCHASE AUTHORIZATION XXXX # XXXX {$700.00} XX/XX/XXXX PHONE TRANSFER To CHECKING XXXX {$400.00} XX/XX/XXXX XXXX XXXX XXXX {$26.00} ON XX/XX/XXXX THEY DID A TRANSFER OF {$400.00} TO ANOTHER ACCOUNT THAT I DID  NOT AUTHORIZE AND LABEL IT PHONE TRANSFER WHICH IS FRAUDULENT STATEMENT THIS IS NOT THE FIRST TIME THEY HAVE DONE THIS IT THIS WAS TO COVER A BALANCE THAT I HAVE NO IDEA WHAT ITS FOR I HAVE REQUESTED INFORMATION ON THE DEBIT AND HAVE RECEIVED NO RESPONSE THEY CLOSED ONE ACCOUNT THEN MONTHS LATER REOPENED IT SAYING THERE WAS A BALANCE ON IT. THEY NEVER GAVE ME PROOF OF WHAT THE BALANCE WAS THEY THEY RESTRICTED ONLINE ACCESS TO THE ACCOUNT SO I CAN NOT EVEN SEE WHAT THEY ARE DOING WITH THE ACCOUNT
Consumer complaint received 2017-12-28
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NV)

I have made serveral attempts to resolve my issue with XXXX XXXX XXXX in regards to validate the account, not the balance. I havent received know payment history or any verfication that the account is accurate and/or beloning to me. I 'm willing to assume ownership only if they provide me with sufficient evidence that this account was truly mine and proof of the payment history verifyng the amount owed is correct. I 'm concerned that this account may not belong to me, and/or the reporting to Equifax, XXXX and XXXX may be inaccurate. In complaince with FCRA 623 ( a ) ( 8 ) ( D ) and acting regulations published at 74 Fed Reg 31484 ( july 1, 2009 ), this notice includes. Basis of disputed : On  XXXX acct # XXXX shows no payment history, only charge-off history.Open date XXXX/XXXX/XXXX, last updated XXXX, charged-off XXXX with last payment dated XXXX/XXXX/XXXX. XXXX  shows last payment dated XXXX/XXXX/XXXX and a close date of XXXX/XXXX/XXXX with no payment history. Equifax shows only the only a open date XXXX/XXXX/XXXX with no payment history only a charge-off history. My question is how are the bureaus completing an investigations without updating the account with payment history, only a stating that it 's valid.
Consumer complaint received 2019-03-05
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. (CT)

On XX/XX/19 I filed a CFPB complaint # XXXX, In pure regards to the validity of a unverified debt XXXX XXXX XXXX stated that I owe. 

On my credit monitoring service today on XX/XX/19 I received a notification that there was a decrease in a collection account that I supposedly paid XXXX XXXX XXXX at lease {$1.00}. I have never contacted this collection agency directly outside of this platform " CFPB '' to address my concerns. 

This company has reported to XXXX  according to my monitoring service that I personally made a payment towards this account which never happened. 

Therefore, I'm asking for XXXX XXXX XXXX to provide proof of payment and method of payment made by me as reported to XXXX.
Consumer complaint received 2019-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My home mortgage with XXXX XXXX  is not being reported. 

The co-borrower, XXXX XXXX, filed bankruptcy and received a discharge. I did not. I have been paying my mortgage on time monthly and would like for this to be reflected.
Consumer complaint received 2017-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (UT)

I signed a Financial Disclosure For Reasonable And Affordable Rehabilitation Payments on my student loans with XXXX. XXXX XXXX XXXX, XXXX.. They based the monthly payment amount on my income. This has been being paid monthly since XXXX/XXXX/XXXX yet it is still showing as a collection that payments are not being made on with all 3 Credit Bureau 's. 
This is incorrect and needs to be fixed back to the date of XXXX/XXXX/XXXX immediately.
Consumer complaint received 2020-05-29
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

on XX/XX/XXXX I recived a inquiry on my credit from XXXX XXXX XXXX. I didn't authorize this inquiry and so I disputed it for deletion and I was told to reach out to the creditor. I attempted to reach out to the creditor to get proof of authorization for this inquiry but to no avail. 

On XX/XX/XXXX I recived a inquiry on my credit from Capital One. I didn't authorize this inquiry and so I disputed it for deletion and I was told to reach out to the creditor. I attempted to reach out to the creditor to get proof of authorization for this inquiry but to no avail. 

On XX/XX/XXXX I recieved a inquiry on my credit from XXXX XXXX. I didn't authorize this inquiry and so I disputed it for deletion and I was told to reach out to the creditor. I attempted to reach out to the creditor to get proof of authorization for this inquiry but to no avail.
Consumer complaint received 2018-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Equitable Acceptance Corp (MO)

After graduating I received tons of phone calls concerning loan forgiveness, lowering payments, etc. a company called XXXX XXXX XXXX  called and used scare tactics to get me to sign up with them. They told me my income driven repayment, which due to my age and low XXXX income were {$0.00} at the time, was going to go up to $ XXXX  monthly This terrified me as I only receive $ XXXX  monthly. So, I signed I up to pay them $ XXXX   monthly for 25 years. I am in a mortgage program with the XXXX XXXX of which I am a tribal member. I paid Equitable for approximately 2 years. Then on my last visit with my mortgage counselor, he told me that company was a scam and to quit paying them and to also call the Federal Trade Commission about them. I came home and called the FTC and quit paying Equitable. When they did not get their next payment they called me. I told them why I had quit paying them and the lady hung up on me. I didnt hear anything else till last week when I received an email from a company called XXXX XXXX telling me I had ten days from the date of that email to contact them regarding my debt to Equitable. I called the number and got voice mail. I left a message and never got a call back so I called again a few days later and left another message and still got no response. Since then, I have emailed them 3-4 times requesting a way to contact them to no avail. In the meantime, they reported this to the credit bureau which caused my credit score to drop dramatically damaging my ability to get a mortgage. My student loans are in the process of being forgiven and that should be finished in about 45 days. XXXX told me that once theyre forgiven my loans will show a XXXX  balance so will improve my credit score and I should be able to get my mortgage. However, XXXX XXXX And Equitable are still on my credit report. The FTC said you might be able to help me with that company and getting that off my credit report
Consumer complaint received 2019-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

From XX/XX/XXXX until XX/XX/XXXX, TransUnion has illegally charged my debit card {$19.00} per month for a service that I never signed up for. In XX/XX/XXXX, the IRS sent me a letter stating that my identity had been stolen. I went onto XXXX XXXX and followed a link to XXXX and TransUnion, just trying to make sure my credit wasn't wrecked. I did not, anywhere, consent to pay TransUnion {$19.00} per month for a credit reporting service that is free through XXXX XXXX and my bank. 

I just called TransUnion and they said all they could do was give me one month 's refund. That is absolutely unacceptable and I am prepared to get my attorney involved. I require a refund for every single month that TransUnion charged me, illegally, for a service I never requested.
Consumer complaint received 2018-02-01
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: Freedom Mortgage Company (NY)

since XX/XX/XXXX I was working with freedom mortgage to refinance a home that I live in. I was given this company through XXXX XXXX to help me repair my credit and get some cash out for a rainy day istarted working with a XXXX XXXX XXXX aka XXXX XXXX XXXX # XXXX who at first was very helpful. then she turned me over to aloan officer XXXX XXXX  who mis reported and read things that are not true as reported and recorded by athree way call with XXXX and alady name XXXX who was in XXXX XXXX and could barely speak English it is now XX/XX/XXXXand no loan and wasted my time after giving them all the paper work I requsted I am XXXX man with a XXXX XXXX XXXX  and XXXX and suffer from XXXX and XXXX. i believe they contact my bank to discuss tis matter with out my consent and hurt my chances of getting the loan this was a waste of a month when i provide everthing they ask for and then some donot truste freedom mortgage say one thing do another