davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-16
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Coinbase, Inc. ()

In XX/XX/XXXX I opened a cryptocurrency account with COINBASE and bought : Ethereum XXXX ETH on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX I hadn't had any problems until XX/XX/XXXX I received an email saying my account was under review for a few days. Time passed and the account status did not change. I could not trade, buy, sell, assign a payment method. I have made numerous complaints to the COIBASE support service sinceXX/XX/XXXX, I have even sent again, verification of documentation required for my identification without any favourable result. I open the incidents, they reply automatically saying that they receive the case, but they close it without resolution. And so on and on and on until now. The last request has been XX/XX/XXXXand the case has been closed XX/XX/XXXX with the same answer, closing the issue and it hasn't resolved ( Case # XXXX ). This is because i'm writing to you. 

I have many cases closed : Case # XXXX, # XXXX, # XXXX, # XXXX and more. 

Could you please mediate, so that I can sell my cryptocurrencies and recover my investment? 

Thank you in advance, XXXX XXXX
Consumer complaint received 2021-05-03
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. (CO)

Im submitting this complaint against XXXX Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2021-08-16
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. (MS)

Ive filed multiple disputes concerning a reported unverified Bankruptcy. As of the last dispute, the Credit Reporting company continues to state it is verified but will not explain in detail how even when ask to. The written disputes made XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX included supporting documentation showing no bankruptcy on most recent XXXX report dated MayXX/XX/XXXX or XXXX report dated XX/XX/XXXX, and a letter from Bankruptcy court stating it does not report directly to credit bureaus. The Credit Reporting company continues to report an unverified Bankruptcy even when all supporting documents show that it should not be reported, is unverified, and should be deleted. They ( the Credit Reporting company ) continue to say the reporting has been verified without an explanation of how.
Consumer complaint received 2019-03-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (NJ)

Letter to : Citibank , N.A . Customer Service XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX, SD XXXX I received an unexpected E-mail from your company today notifying me that my credit limit was suddenly and without prior notice reduced due to a company review of my account. My account was reduced from a remaining credit line limit of {$1900.00} to within {$100.00} of my balance. Your action brought my account now to within a maxed-out range. I spoke to one of your managers on the phone shortly thereafter and she confirmed this change. She was not able and/or not willing to undo the changes. She stated that the decision was based on a review of my credit report with XXXX Agency. Upon checking my credit report with XXXX I did not find anything negative or anything new that was not there when the card was issued. Therefore, your actions to unfairly reduce my credit limit has no basis to justify it and I deem it discriminative. Because of your action it will now have a direct negative effect on my credit ratings. Your company has somehow accessed my credit report with a credit fraud alert feature on it and resulting as a hard inquiry on my report and you did so without my consent or knowledge. I have been a customer of yours since XXXX. I have not once been late with a payment. I find your decision too discriminative, unjust and not deserving of it. It is for these reasons that I will file a complaint with the CFBP Agency. 

XXXX XXXX
Consumer complaint received 2018-02-03
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. (MO)

I filed Chapter XXXX on XX/XX/2017 Creditors and Experian is still reporting late payments and negative information on my credit report. I submitted documentation on every account listed on my Chapter XXXX petition but nothing is being done about it. Wrong information keeps being put on my credit report which is brought my score down 60points because of this.
Consumer complaint received 2022-04-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WA)

On XXXX XXXX a fraudulent wire transfer was made from my savings acct in the amount of {$9900.00}. I immediately contacted USAA Federal Savings Bank. I have since called USAA everyday to only be given the run around that a Fraud Specialist will call me and have yet to receive a phone call. In addition, I have not received any correspondence stating the actions that have been taken. Through verbal conversation I was told the review was completed on XX/XX/XXXX. It is XX/XX/XXXX and when I called USAA they have no additional information. One representative said I should receive a refund while another will say I may not receive a refund. I have not been given any clear answers or guidance. Everything I do know has been through phone conversations when I have called them. When asked to speak with a supervisor I am told there aren't any available. This is not acceptable customer service and has caused me unnecessary stress.
Consumer complaint received 2024-02-08
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

XX/XX/year> Bank of America drained my checking and savings accounts to pay off a writ that was sent to them. They removed all monies from my account to satisfy the writ even though it was MORE than the writ requested. This left me with nothing to pay for food for my children, my rent, etc. The bank advised me my accounts were frozen until the issue with the writ was resolved. I resolved the issue with the writ and Bank of America was supposed to release my accounts. An agreement was made with the debt collector and BoA was supposed to release. Instead they have decided they will not release any monies until a judge signs off which could take up to a week. MEANWHILE my account is NOT frozen and I am incurring overdraft fees, I can't pay for rent, I can't pay for food. BoA says there's nothing they can do.
Consumer complaint received 2019-03-13
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: FORD MOTOR CREDIT CO. (GA)

I co-signed with Ford Motor Credit ( FMC ) for a former business partner, XXXX XXXX. He filed bankruptcy and included the lease in his bankruptcy. FMC never contacted me when he quit paying. It wasn't until I began to refinance my condo in XXXX, XXXX that I was made aware of the debt by XXXX XXXX. I contacted FMC and was told I would need to pay {$1100.00} to close out the lease and relieve the debt. On XX/XX/XXXX, I wired that amount to FMC and released the debt. At that time, they had still not repossessed the vehicle from Mr. XXXX and the lease official terminated in XXXX, XXXX. I also confirmed with the FMC Customer Service Rep that, according to the account/call activity notes, I was never contacted by FMC about the debt. On XX/XX/XXXX, I received a letter from XXXX XXXX XXXX, a debt collection attorney, on behalf of FMC for an additional {$6700.00} for " wear and tear '' and " excess mileage '' on the vehicle. Again, never contacted. I contend that due to FMC 's willful inactivity on this account to repossess the vehicle at the time of the bankruptcy or the original termination date of the lease, these charges are the result of Mr. XXXX essentially having a free vehicle that somebody else, myself, is liable for.
Consumer complaint received 2018-04-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (PA)

My complaint is with XXXX XXXX XXXX On 4XX/XX/XXXX at XXXX XXXX, I went to the bank to cover my overdraft that came in on XX/XX/XXXX. PNC 's policy is if a check comes in on the day, you have until XXXX XXXX to get the money into your bank account, which as I stated, I made my deposit at XXXX XXXX. When I made my deposit, I was {$0.00} cents overdrawn, however, PNC would be able to get the {$0.00} cents from my checking account as I have overdraft protection. When I looked at my balance, it stated I was ONLY {$0.00} overdrawn and I also called on the telephone to check my balance at XXXX XXXX, the telephone banker reported that I was {$0.00} overdrawn. Again, they could pull the {$0.00} from my OD protection account. As far as I could tell, my account was OK. Today, XX/XX/XXXX,  when I checked my balance, and to my surprise, I am charged with a OD charge of {$36.00}. There was no indication that anything else was pending in my account. If so, I would have put that money into my account to avoid an OD charge. That is why I was at the bank last night to avoid an OD charge, however, this morning, my account is showing a {$35.00} amount that was not showing last night. PNC does this all the time. Why is it that that XXXX was not showing up when I went to the bank last night at XXXX XXXX. This bank does things like this all the time. 
Apparently, this amount must have came from my debit card. Again, had that XXXX been pending last night at XXXX XXXX, I would have paid that too. I had the money to put in the bank, however, again, my account was ONLY {$0.00} overdrawn. 


PNC is a bank that likes to take fees. I would like to have my XXXX because last night, I satisfied my account and anything else that showed up, showed up on the next day, because again, last night, I was ONLY {$0.00} OVERDRAWN and as far as I know, the bank should not charge you an overdraft fee for less than {$1.00}. I have my PNC deposit receipt from XX/XX/XXXX at XXXX XXXX and again, it does not state any {$35.00} charge, had it, I would have put that in my account. 

Again, I would like PNC to return my {$36.00}, as they hid the {$35.00}. Again, the {$35.00} did not show as outstanding in my checking account last night.
Consumer complaint received 2022-04-28
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: Experian Information Solutions Inc. (VA)

Complaint 1 : In accordance with the Fair Credit Reporting act : Account Name : XXXX XXXX  Account Number : 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 an account without my written instructions.
Consumer complaint received 2021-01-22
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. (PA)

Beginning in XX/XX/2020, I received copies of my credit reports with Experian, XXXX and XXXX. I sent letters to all 3 bureaus asking them to look into an account listed on my credit report for XXXX. I have asked them to verify the information being reported, as it was inaccurate, and I have asked for validation of the debt from both the bureaus and XXXX. Due to the reporting issue, XXXX  has removed this account from my credit report. After five letters to XXXX and Experian with no response, this past month they finally listed the account in dispute, but, as noted in the attachment, it states that the dispute is closed and the account meets FCRA requirements however, the account is a charge-off account and they are still reporting a balance as if this is an open account. This clearly does not meet FCRA requirements. After countless attempts to have this corrected, XXXX  and Experian refuse to look into my request.
Consumer complaint received 2021-08-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (VA)

My daughter attended XXXX XXXX XXXX back in XXXX. She obtained several loans to continue her education, however she continued to defer the payments, filed bankruptcy, I also filed bankruptcy, she continued her education and I feel that the school used her original FASA forms from XXXX when she began college to continue to file for funds for her education. She is now XXXX  and Navient ( who I believe holds the loan ) continues to call, harass me for payments. I don't feel that I should be responsible for this loan. Also the interest is 8.5 % and the original loan was {$10000.00} and because she kept deferring the interest continued with a student loan balance of {$24000.00}. Again, I don't feel I should have to re-pay this loan.
Consumer complaint received 2018-12-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: EQUIFAX, INC. (GA)

I have a loan with XXXX XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Equifax and XXXX XXXX XXXX XXXX with no successful resolution. Equifax only reporting me late. There was definitely an error on their part. I was never 30-59 days late.
Consumer complaint received 2024-02-08
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/XXXX I discovered a credit card that was not opened by me on my credit reports. The credit card was an XXXX XXXX card through Bank of America. I never applied for a credit card through bank of America. The card was maxed out immediately with a debt for XXXX XXXX This debt was dismissed by Bank of America in XX/XX/XXXX for non-collection. I never received anything about this debt from Bank of America. There was an Ohio address on my credit report that was not mine. I have never lived in Ohio. I contacted XXXX and filed a dispute. The results of the dispute were that the debt would remain on my credit report. I called Bank of America and spoke with their fraud department and started a dispute. I am working with Bank of America to settle the dispute. I will receive info. in the mail to complete and return for Bank of America. In addition, I filed disputes with XXXX on XXXX XXXX and XXXX on XX/XX/XXXX. I put freezes and a credit report locks on my accounts with three credit report companies.
Consumer complaint received 2022-04-28
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

TransUnion Consumer Solutions XXXX XXXXXXXX XXXX XXXXXXXX, PA XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately : Account Name : XXXX XXXX  Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX  Account Number : XXXX Reason : I don't recognize this account Also, please remove all non-account holding inquiries over 30 days old and add a Promotional Suppression to my credit file.
Consumer complaint received 2021-08-16
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. (MS)

XXXX, Experian and XXXX have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report
Consumer complaint received 2024-02-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

We have had several business accounts with Wells Fargo for over 20 years. Were notified to change our address for business accounts and did change them. However, our accounts are still randomly being closed. I re-verified my physical address is listed on the Wells Fargo profile. For some reason, I'm told that doesn't matter because it's not associated with my business accounts. I have one login for personal and business, how am I to know there is an issue when my physical address is clearly listed on the profile? Teller at branch ( XXXX XXXX in XXXX XXXX, CA ) stated that all business accounts that have *ever* had a XXXX XXXX listed are being closed by the Bank. Confirmed the bank had my physical address listed and that it didn't matter. Also confirmed nobody at the branch could assist in any way ( even though was told yesterday when calling the number listed on statement that all I needed to do was go into the branch to fix the issue ). IF post office boxes are a risk for this bank, why do they allow people to enter a XXXX XXXX into their system?
Consumer complaint received 2021-05-03
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. (TN)

Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2024-02-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc. (NY)

I'm trying to change my student loan repayment plan before it expires and my monthly payment amount goes to {$500.00} but for some reason the only way to exit an XXXX plan is to contact them and there is no option to chat only call or email. I can't get on the phone with them and my plan expires in a few days