davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-06
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: TRUIST FINANCIAL CORPORATION (FL)

I have a loan with Regional Acceptance Corporation, and XX/XX/2021 I reached out to them regarding the vehicle. The call was in regards to the car steering being out of order after a minor accident and was hoping to work out an extension on my payments to fix the car myself after the insurance company refused to pay for the repairs. They denied me any assistance to extend my payment and at that time I could not afford to fix the car and make the payments. The car had been towed to the local XXXX dealership by the insurance company and was unable to be driven. So I called the finance company and surrendered the vehicle I let them know the condition of the vehicle and I was told that they would be retrieving the vehicle I was told I would receive a call back regarding the car. After about a few weeks or so I called back after discovering they had not retrieved the vehicle from XXXX and I explained the situation once again I was told that the vehicle would be picked up and sold and the amount would be applied to my balance. months went by and I was contacted by the loan company regarding payment I informed her that I had surrendered the vehicle and inquired about the credit that was supposed to be applied due to them retrieving the vehicle and what was the process that I needed to take to set up a payment arrangement she was not able to assist me and no attempts were made by the loan company to communicate any decisions made regarding the vehicle at that time. 
I had not been called anymore afterwards regarding the surrend of the vehicle but would occasionally receive a bill from them and no other correspondence. Yesterday I got a call from XXXX regarding the vehicle still being in there lot from over a year ago. I contacted the finance company today XX/XX/XXXX regarding the account that they had sent into collections. I inquired as to why the vehicle had not been picked up or no why there was no communication regarding the change of plans to retrieve the vehicle. I spoke with XXXX and XXXX who stated that the company decided not to retrieve the vehicle due to the condition of the vehicle, and that they didnt have to retrieve it because the vehicle belonged to me but they would not be able to release the title to me unless I pay the XXXX balance in full because they owned the lien on it. They offered no options, and failed to communicate changes with my loan anytime during this process. I have been given the run around and contradicting information several times regarding the loan itself and I would like this to be resolved please help.
Consumer complaint received 2022-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

After reviewing my credit report for accuracy since fraud has been committed against me, I have disputed inaccurate personal information reflecting on all three credit reporting agencies ' reports. In an effort to insure that the correct information is reflecting in my file, I sent letters via certified mail indicating what personal information should be in my file. 

Equifax Certified Mail Tracking : XXXX XXXX Certified Mail XXXX : XXXX XXXX Certified Mail Tracking : XXXX My personal information has not been updated upon my request.
Consumer complaint received 2022-09-10
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: EQUIFAX, INC. (AL)

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX Account # XXXX Date opened- XXXX XXXXXXXX XXXX
Consumer complaint received 2022-08-11
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. (AZ)

On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-09-10
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. (AL)

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX Account # XXXX Date opened- XXXX XXXX XXXX
Consumer complaint received 2017-12-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (GA)

The company attempted to sue me without providing proper validation for a debt they claimed I owed to another company. I went to court and there was a judgement filed. The judgement was was Dismissed with Prejudice and I want it removed from my Credit reports as a collection account.
Consumer complaint received 2017-11-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Hello my name is XXXX XXXX i deposited government checks for my aunt she was in a homeless shelter in XXXX they gave her XXXX for a years of rent the checks are made payable both to her and her landlord wich renigged on the apartment she was able to find a new place they gave us the first XXXX now refusing to give us the other XXXX she needs these funds for her new landlord and to show human resource administration the reciepts for her new place her account will not close till this money is released its been almost a month of them holding federal funds i bank with bank of america they frooze my account the funds are cleared and just sitting what can we do it is hard for my aunt to go back XXXX please help
Consumer complaint received 2021-10-05
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: EQUIFAX, INC. (MN)

I just complained about XXXX and they gave me 54 points back on XX/XX/XXXX. As of today XX/XX/XXXX its -47 points again. I dont understand why and how they can take so many points away when all been doing is complaining about my old student loans. This is so unfair to be treated this way. This is so cruel and evil of them.
Consumer complaint received 2021-10-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MD)

I'm sorry for going this route. I am very appreciative of your time during the current uncertainty in the world, and I'm in no way complaining of the wait time. It is completely understandable and expected. I have a student loan that have been reporting on my credit for late, I did not receive a call or anything in the mail about my student loans coming up for payment especially with the current COVID relief for student.
Consumer complaint received 2021-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Transunion and XXXX is reporting fraudulent information. I provided an ftc report listing these fraudulent items. They removed it once and then placed it back on my report. When I asked why they couldn't give me any reasoning. 
This item was removed from the other bureaus, was not placed back on my report. 
My information was found on the dark web, XXXX data breach a lot of fraudulent items and inquires were found. This is affecting me from purchasing a home for my children. 
The law prohibits false information to be reported.
Consumer complaint received 2017-11-20
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Adler Wallach & Associates, Inc. (CA)

Hi There : We previously lived in an Apartment complex called XXXX XXXX who required us to obtain our television through a company called XXXX XXXX XXXX. They incorrectly billed us for a modem that we NEVER PURCHASED from them. 

After we moved out of that complex, they sent us a bill for the modem. We called more than 5 times, spoke with numerous people, managers, etc whom all acknowledged the error and confirmed they would remove the charge. They reassured us that this bill will be removed. 

After 6 months, we received a collections notice from a company called Awa Collections, indicated that XXXX XXXX XXXX is sending us to collections for a bill of {$51.00}. 

This will negatively affect our stellar credit, it is completely wrong, and needs to be corrected. 

The CFPB should contact XXXX XXXX XXXX  and require them to correct their unscrupulous bill collection methods. 

Thank you. 

XXXX XXXX XXXX
Consumer complaint received 2015-07-24
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

I transferred {$200.00} from a USAA account to a XXXX XXXX XXXX account on XX/XX/XXXX. XXXX XXXX XXXX did not receive it until XXXX XXXX. USAA said there processing took 2 to 3 days even though it asked for a transfer date and I requested XXXX XXXX, 2015.
Consumer complaint received 2023-12-18
Product: Credit reporting 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. (DE)

I went to get a personal loan from XXXX XXXX for a used vehicle they have hit my credit multiple times and mutiple dates. Here are the ones that I did not do a inquiry on XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2021-10-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc. (PA)

In XX/XX/2016, after moving to my current address I requested XXXX to install internet and TV services at my new residence. XXXX installed services, but was not able to fully make them operational. They were unable to port my existing phone number and I had intermittent internet service outages. After two weeks of attempted repairs without success, I terminated the service with XXXX and returned their equipment. I initiated services with XXXX and continue to have them today. A month later, XXXX billed me for a full month of services despite not having a single day where my contracted services were operational. I disputed the bill with XXXX. We failed to reach a resolution, and XXXX submitted the debt to collections. Recently, they sold this debt to a new debt collector ( EOS-CCA ) and they have called me on my cell phone harassing me. Moreover, they resubmitted a derogatory remark to XXXX XXXX damaging my credit rating. 

Respectfully, I am requesting this debt collection for {$180.00} be terminated as the original bill was incorrect and EOS-CCA has no right to re-instate a new derogatory remark for an issue that arose in 2016 ( almost 6 years later ) as a brand new issue.
Consumer complaint received 2017-11-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America sent out an offer for {$150.00} bonus for opening a free checking account, which I did. The only requirements were direct deposits for three months, which I did. The first month 's {$25.00} service fee was refunded automatically a week or so after it was assessed. I was waiting for the second month 's fee to be refunded and then the third month it was charged again. I called to have the charges reversed but was told my account required a {$10000.00} average limit to avoid maintenance fees. The original promotion was deceptive, as I did everything that was required to get a free checking account and a {$150.00} bonus. BoA should not be able to get away with that kind of thing, they are supposed to be a large, reputable bank.
Consumer complaint received 2021-09-10
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: EQUIFAX, INC. (AR)

MY XXXX XXXX ACCOUNT IS OPEN AND I HAVE BEN MAKING PAYMENTS, THIS ACCOUNTT IS REPORTING IN BANKRUPTCY.
Consumer complaint received 2021-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (PA)

Midland Credit Management keeps bothering me on a debt that I dont owe.

{$650.00} or an amount that I dont remember having. Im currently a broke XXXX XXXX.
Consumer complaint received 2022-03-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (WA)

XX/XX/24 I tried to pay a merchant {$240.00} via XXXX XXXX. After a few failed attempts I charged the pymt to my Debit card. Next day there were two xactions ( one from XXXX XXXX and one via debit card ) but merchant only recd one. I disputed the xaction that the merchant didnt receive but the bank charged back the one the merchant DID receive. I had to reimburse the merchant directly for the funds they took from her so Im still missing the {$240.00} from the XXXX XXXX xaction. I have made several calls and asked to dispute the one the merchant didnt get but they refused to allow me to dispute it. Meantime, I had to pay the merchant {$240.00} AND my acct hasnt been credited for the {$240.00} XXXXXXXX XXXX withdrawal so Im still out the same {$480.00} I was out on the day I filed the claim. I believe that by refusing to allow me to file a claim for the XXXX XXXX xaction, the bank is in violation of Reg E because I sent {$240.00} to a merchant that the merchant didnt get but the bank has refused to allow me to file a claim to get those funds back.
Consumer complaint received 2017-11-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America has improperly charged me fees to the amount of {$8.00} every month for the past 3 months. I have had to call in every time, waiting on hold for a ridiculous amount of time to get a hold of someone in customer service who, though they reverse the charge, has failed to resolve the issue permanently. This fee was charged for paper statements ; at no point did I ever sign up for paper statements -- further, I never received any of the paper statements in the mail that they were charging me for. Though I have gotten my money back, and hope it wo n't happen again ( do n't understand why it ca n't all be done on their side ), it has gotten immensely annoying to have to call and go through this entire process time and time again. I am writing to the CFPB so they are aware of the issue and that Bank of America takes better steps to make sure this does not happen again with me or with other customers.
Consumer complaint received 2021-10-05
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. (CA)

XXXX, Equifax, and the XXXX XXXX XXXX is reporting inaccurate information on my consumer report and they refuse to remove the inaccurate information which is a violation of the FCRA. They are reporting account XXXX XXXX XXXX on my consumer report and i have no knowledge of this account. I've sent numerous letters to XXXX and Equifax asking them to remove the account, but they keep stating the account has been verified without sending me any information on how and who verified this account. If this account is not remove immeditely i will be forced to file litigation against all 3 companies. Also As a consumer I have a right to privacy Under the FCRA, 15 U.S.C. 1681 ( 4 ) which states, There is a need to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality and a respect for the consumers right to PRIVACY. They have violated my privacy which can be considered identity theft. They do not have a permissible purpose to furnish my consumer report. I did not give you any written instruction to do so. This is also a violation Under the FCRA, 15 U.S.C. 1681b ( a ) ( 2 ) Permissible purposes of reports.
Consumer complaint received 2017-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

I have a credit freeze on my information and having been trying to get a credit freeze lift to apply for a credit card and Equifax will not allow me to do it online or through their automatic phone line. I tried writing to them to lift the freeze and they never responded so I do n't know if they lifted it or not. I need this done quickly because I am applying for a credit card and there is no telephone number to reach a live person. This is messing up my life.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (SC)

XXXX XXXX is inaccurately reporting charge off every month which is really affecting my credit score. My rights have been violated due inaccuracy on my credit report. I am entitled to an accurate credit reports this creditor has violated my rights as a consumer. I would like this account deleted immediately. You cant report a charge off each month. The credit agencies has three different open account dates. It also shows different amounts across all three agencies. I disputed these accounts on XX/XX/. All three agencies refused to complete a through investigation. I am not able to qualify for a home due to these inaccuracies hurting my account. By law the agencies are to ensure accurate information but failed to do so with my dispute date XX/XX/. Please delete
Consumer complaint received 2021-07-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (NY)

The below email was sent to Coinbase on XX/XX/21. 


On XX/XX/21, I received a text message from XXXX indicating that my Coinbase password has been changed and to call XXXX to automatically lock my account if I did not do this. I immediately called such number and followed the automatic prompts to lock my account, as I did not, not attempt to, change my password. Immediately after successfully locking my account, I created my first of nearly 10 support tickets which have since been created, dating from XX/XX/21 until today. The support ticket case numbers are : XXXX sent XX/XX/21 XXXX sent XX/XX/21 XXXX sent XX/XX/21 XXXX sent XX/XX/21 XXXX sent XX/XX/21 XXXX sent XX/XX/21 XXXX sent XX/XX/21 XXXX sent XX/XX/21 On XX/XX/21, I received my last correspondence from Coinbase, which was an email stating that all my cases were consolidated to case # XXXX and that I will be contacted after a review, which generally takes 4-5 business days. 

Such time has clearly passed, as today marks 1 month with no response from Coinbase. 

During such time, I have tried the following : 1 ) unlocking my account, and 2 ) changing my password ( which was successful, however, upon trying to sign in, I am being required to enter a two step verification, which requires me to enter a verification code sent to my phone number. However, the last 2 digits displayed on the phone number the code being sent to do not match my phone number, nor any number that I am aware of ). 

I am now stuck with no response from Coinbase, no way to contact Coinbase, as there is no telephone support, and absolutely no idea what to do next. 

My account has large holdings in XXXX and XXXX, which were valued at over {$6000.00} the last time I checked, which was right before I lost access to my account on XX/XX/21. 

During this past month, Ive had no ability to buy/sell or trade on Coinbase and have lost ample opportunities to use my money as i see fit, which could have rendered my account having well over {$6000.00} even. Having such ability and access was well within my right as a customer. 

I am requesting immediate access to my account, as well as an explanation, as at this point, I have no idea if my account was compromised with all money being taken out, if my account has been improperly used, or if my account is locked. 

In any of the above situations, My damage has been severe and continues with each day that passes with no response or explanation. 

Since sending that email Ive received 2 emails indicating I would hear back in 20 business days. I have not received a response. There is no phone support for me to contact either.
Consumer complaint received 2017-11-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XXXX XXXX, 2017, {$300.00} were withdrawn from my business account with Bank of America. I did not withdraw that money. When I logged in to my account I noticed that amount was withdrawn from a XXXX ATM, I called it in. I was asked questions, some of those questions included if I had lend my card to someone or if it was lost, but no I had it with me at all times. They said they would investigate, time passed and they said the investigation concluded that it was me or someone that I knew had withdrawn. I insist that is not the case, something is going on, and they are not cooperating with me. I please would like further investigation on this situation, because I want my XXXX dollars back and plus the XXXX fee I was charged for uncifficient funds on my account because of this withdrawn. Thank you Date of withdrawn : XXXX XXXX, 2017