davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (WA)

I initiated a wire transfer of {$10000.00} USD from my bank, XXXX XXXX XXXX XXXX, to CoinBase Inc. I confirmed with their bank that they have in fact received my funds. However, it is has been 2 days and I still do not have the funds in my account. I have tried emailing them 3 times and they do not respond. I continue to only get bot responses that are irrelevant to my issue. I am concerned I will never see the money. A business that manages money transfers and trades should never treat their customers like this.
Consumer complaint received 2017-12-13
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

We purchased a foreclosure property from Bank of America located at XXXX XXXX XXXX XXXX, XXXX VA XXXX in XXXX XXXX. In Virginia, you are required to obtain a repo title with the DMV when you foreclose on a property. This was not done by either Bank of America or their foreclosure agent ( XXXX XXXX XXXX, XXXX. ). XXXX XXXX XXXX, XXXX. did not even request a DMV title report until nearly 4 months after closing and then conveniently overlooked that a title and lien existed. I have spent a ridiculous amount of hours over the last several months trying to get the lien released and have them send me the title from the DMV. I literally had to show Bank of America where on the title report the lien and title number were and they refused to help me at all until I had a DMV title report on the property. I finally received the lien release in XXXX XXXX but if I turn it in to the DMV then they mail the title to the former owner ( who is deceased and did not have an estate to distribute ) .Both Bank of America and XXXX XXXX XXXX XXXX XXXX. refuse to fill out the form and request the title from the DMV. I have offered to fill out the form for them and send them the 10 bucks. I know it is common practice for Bank of America, XXXX XXXX XXXX and other big banks to refuse to get Manufactured home titles but it needs to stop. Why do n't they have to follow the law? They market and advertise these properties as single family residences and then do a bait and switch maneuver. They use hold harmless forms to avoid complying with the law. These tactics are frustrating and cost their customer extraordinary amounts of time and money.This is really simple fix for either Bank of America or XXXX XXXX XXXX, XXXX. and I only want them to do what should have been done when they foreclosed on the property. If I could do it, I would. I have spent countless hours on the phone with Bank of America, XXXX XXXX XXXX, XXXX and at the XXXX without success. 

This is a really easy fix for Bank of America and/or XXXX XXXX XXXX, XXXX. It does not have to be this hard. It is 10 dollars maybe 20 dollars and a stamp which saves everyone a lot of time, money and aggravation.
Consumer complaint received 2023-04-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Frontline Asset Strategies, LLC (IL)

I am writing this email because this is the second time that i received a collection letter Frontline Asset Strategies on an account that supposedly belongs me in XXXX for which i have taken action and have communicated on several occasions and have contacted the authorized stores in search of advice and through they have contacted customer service from their internal lines and according to them they have created a fraud report since I DO NOT RECOGNIZE such charges since i do not even have a telephone line in the aforementioned company Please, I request that the respective investigations be carried out on said case and that that an answer be obtained regarding said account, which, if it existed, was made without my consent. Attached Copy the report of Police and letter that colector send me.
Consumer complaint received 2023-01-09
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. (MD)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX  Account name : XXXX XXXX XXXX XXXX  Account name XXXX XXXX XXXX, Account name XXXX XXXX XXXX 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 15 U.S.C 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 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 has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-12-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (CA)

I have nothing but problems with Santander Consumer USA Inc. Time And again, they continue to fail to properly manage the servicing of my vehicle loan, something that its not NEW as this company has been sued by the Attorney General 's of over 30+ states in the nation. It is obvious that they aren't doing there job correctly, they continue to XXXX at us who unknowingly were placed with this scrupulous company for our auto loan. Honestly had i been let aware that this company was going to be funding/servicing my loan with the history they have I would of said NO way JOSE. Anyways the company had the wrong information as far as my " bank '' so i cancelled the scheduled payment and manually enter a new payment, I did so to assure that they wouldn't try to request payment from XXXX XXXX XXXX  ( XXXX ) which was my old bank account.. so then I would be late, default etc.. so I wouldn't have to incur negative marks or additional fees i change the form with the correct account information. Now they failed to cancel the " scheduled '' payment which the system said was cancelled or else why even give me the option to cancel.. So a couple of days later I see my account is overdrawn, why? they submitted both payments to my bank.. Now I wasnt able to properly pay my rent and other bills as my account had been over drawn .. I called and their executive team tells me that their system didn't cancel my previous scheduled payment etc .. and although this created yet another unforeseen extremely difficult financial situation for me, I had to endure it and pretty much shut up.. I was told that their payment system would be re submitting the payment one more time, I suspected this would happen the next day etc.. NO it happened 11 days later on XX/XX/2020 i see that my bank account again is overdrawn and that they re submitted the payment.. why 11 days later? I have my insurance to pay and other payments that automatically de-ducted from my bank account .. No i dont know if my bank is going to pay my other bills or decline them leading to other penalties and fees again to be blamed on the mismanagement of Santander Consumer. Nothing I have nothing ... I can't even use my account or pay other bills even though my car payment was paid fully on time .. why do they continue to create so many problems on me? even their degusting APR is a joke, that I didn't even know i was paying as my Dealer wasn't upfront about this either.
Consumer complaint received 2020-11-17
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: BMW Financial Services NA, LLC (WI)

Acc # XXXX. Turned this vehicle in XX/XX/20. XXXX XXXX in XXXX, AZ. Leased another XXXX  at that time through BMW Financial.Requested vehicle inspection when I picked up new vehicle and turned in old on XX/XX/20, was told they do not do that, vehicle will be inspected at later date. I said I do not want to be liable for charges that I can dispute in person, again told they do not do that. There was no correspondence between XX/XX/20 and a letter I received on XX/XX/20 demanding payment of XXXX or will go to collection. I did not see this online until last payment made on XX/XX/20 on my new vehicle, just magically appeared. What was happening between XX/XX/20 and XX/XX/20 that I was not notified and now threatening collection. Isn't there a time limit for providing bill.
Consumer complaint received 2021-10-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that XXXX efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX are reporting inaccurate information on CAPITAL ONE. XXXX FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2020-12-01
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. (PA)

I have contacted Transunion about the XXXX account and informed them that the account has been settled since XXXX XXXX, and they have yet to take it off my credit report, I filed several dispute and the results are always the account is still open with a balance, Transunion is refusing to take it off my credit report.
Consumer complaint received 2020-12-12
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. (MO)

Upon reviewing my current credit files it seems to be a decrepency via an account inwhich allued me to believe someone must at some point used my identity to forge such an manipulation. Now I'm demanding that this account not only be removed but blocked as well. 

1 ) ; XXXX XXXX XXXX {$120.00}
Consumer complaint received 2020-10-21
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: TD BANK US HOLDING COMPANY (NY)

They play games with me by phone and mail they told me I can have an account if I step inside a store and apply with my Id I did so ans they still wont process their XXXX  system and credit dept fraud investigations they all lie to me and dont XXXX me they say they have to override its not fair I wasnt a bad customer why are they refusing to process my application even after suiting thr store and they were able to validate its me XXXX fair they dont even check my credit they lie instead to me this is ridiculous this business has to be shut down
Consumer complaint received 2021-10-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (KY)

I postal mailed info for complaint # XXXX. I spoke to 2 of your agents and both emailed me the same thing showing there are no case number. Your 2nd agent said she could see info about the complaint. Maybe I did not postal mail a passable complaint. I will try to start this as a new case. 

XXXX XXXX ( Mr. Cooper ) constantly emailed me about lower rate savings. I did apply and paid {$520.00} appraisal fee. After reviewing the closing costs I decided to cancel the refinance. However I tried to remove the PMI mortgage insurance since their appraisal was XXXX and my current remaining mortgage is XXXX well under the 80 % PMI requirement.
Consumer complaint received 2021-10-11
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (TX)

SYNCHRONY BANK has closed multiple accounts that were in good standing and an asset to the consumer and XXXX. Closing consumer credit accounts and Indirectly reporting on my private consumer report without my written instructions, in Violation of Consumer Federal law 15 U.S. Code 1681b - Permissible purposes of consumer reports.
Consumer complaint received 2020-09-01
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AES/PHEAA (DC)

I am a federally protected consumer and I requested validation of alleged debt with Fed Loan Servicing. The letter was received on XX/XX/2020 and I have not received a response. Fed Loan Servicing is in violation of XXXX.
Consumer complaint received 2020-12-12
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. (NJ)

I had a federal XXXX student loan go into default as I missed seven payments, when I was away for a XXXX XXXX that I thought I had organized all of my payments before I left in XXXX. The late payments are reported on the balance history as is the status of it going to collections. When talking to the lender ; even though it did go into default, it never went to collections. The collections coordinator ( XXXX XXXX ) of the university ( XXXX University ) had explained that even though it was reported as an accelerated account to her by the student billing service ( XXXX  XXXX  ), she did not place it into collections as she explained to me in an email that, " I do not immediately place accelerated accounts in collections ; I hold off for approximately 30 days in hopes that we can still settle the account. As was the case in your situation. '' It was reported under collections in XX/XX/XXXXXXXX and back in XXXX/XXXX of XXXX as well. When it was reported under collections this past late summer, that is when my credit score took a hit. After making disputes against this with Experian and the loan billing servicer, the collection reporting under the balance history was only pushed right to XXXX/XXXX XXXX, still being reported in XX/XX/XXXX as well. It now shows " No-data '' from XX/XX/XXXX to XX/XX/XXXX. When I immediately found out about this loan, I had paid it all off in XX/XX/XXXX. I have paperwork from the university and billing service company that states I am good status and was paid off in XX/XX/XXXX. I disputed multiple times with Experian both online and over the phone while also supplying the correct paperwork these past two months, and it shows it being " updated '' but no information has been changed in terms of the removing of it being reported as " collection ''. If there is more information that is needed or supporting documents, I would be more than happy to supply them, but I just do not understand why Experian can not change the incorrect information that I explained to them with proof.
Consumer complaint received 2020-05-03
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: WELLS FARGO & COMPANY (CA)

This is regarding the PPP Loan. I bank at Wells Fargo for business. I was one of the 1st people to express interest on it as I was refreshing the page consistently.

WF keeps saying I am in a queue -- but won't tell me where I am at in the queue. 

I have an email from XX/XX/2020 saying I am still in a queue. 

I filled out my loan app -- but Nobody has called or reached out. I reach out to them consistently on phone, email and twitter -- but they won't let you talk to anyone in the PPP department.
Consumer complaint received 2021-10-19
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. (IL)

I recently reviewed my credit profile and noticed inaccuracies and false accusations. It is my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.
Consumer complaint received 2021-10-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACIMA CREDIT, LLC (NC)

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The XXXX Credit Bureau is reporting inaccurate information on ACIMA CREDIT FKA XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2022-04-26
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. (SC)

In accordance with the Fair Credit Reporting act XXXX XXXX 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 an account without my written instructions
Consumer complaint received 2021-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am filing this complaint against TransUnion Credit Services & XXXX XXXX XXXX because TransUnion failed to protect my credit rating, the information contained in my credit report and my consumer rights against predatorily inaccurate information being intentionally reported and updated on my personal credit report. TransUnion knowingly allowed XXXX XXXX XXXX to report inaccurate and derogatory information on my credit report even after being provided all the necessary verification documents proving the information was false and that it was causing additional stress and harm on me and my businesses during the most unprecedented economic downshift caused by the COVID-19 Pandemic.
Consumer complaint received 2019-11-11
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc. (TX)

Please refer to CFPB case number XXXX-XXXX  ( attached ). 

I noticed that Comenity Bank ( XXXX ) reported my account status as Delinquent on my credit report when I should have been enrolled in a hardship program. 

I messaged Comenity Bank on XX/XX/2019 to understand why my account reflected delinquent on my credit report. On XX/XX/2019, A representative from Comenity Bank messaged me back stating my account was unbeknownst to me, unenrolled from the hardship program on XX/XX/2019! Per the above case number, Comenity Bank was to cease and desist all illegal debt collection calls, not any calls that inform me of important account updates! I also did not receive a letter indicating I was unenrolled. I am not sure as to why my account was unenrolled, but these kinds of deceptive practices will ensure that a lawsuit is filed.
Consumer complaint received 2020-09-01
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. (TX)

This is the second dispute attempt to have these miscellaneous accounts from my credit report. These accounts were never verified according to the FCRA guidelines 623 & 611. Intend to pursue litigation in accordance with FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and 617 ; the  items below are not accurate and fraudulent accounts : 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 2020-12-12
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. (TX)

I've been trying to dispute this account with the 3 credit reporting agencies for the last 2 years. I reached out to the company reporting the debt XXXX and I requested proof of debt verification. XXXX sent me a letter and a contract about the purchase of a cell phone under a XXXX account that was signed for by another person. The account is showing under my name but it was not a transaction that I authorized and it is not my signature on the document. This entire situation penalizing me for fraudulent activity and is making it hard for me to get my approval for my first home.
Consumer complaint received 2020-12-12
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TD BANK US HOLDING COMPANY (CT)

On XX/XX/XXXX, I paid TD AutoFinance {$7500.00} to pay off my auto loan. On XX/XX/XXXX I made an errant {$5000.00} payment on the same loan. XXXX XXXX XXXX stepped in to recover the {$5000.00} and were successful in doing so. TD AutoFinance sent me the title and a refund check of {$4.00} because I overpaid. Since that time they properly reversed the {$5000.00} payment on my account but also errantly reversed the {$7500.00} payment and only applied {$2500.00}. I have been on the phone with them a dozen times and have received multiple phone calls and lately have received letters stating they will report me to credit bureaus and have the right to repossess my vehicle. I have also sent 2 letters to their complaints department with no response. They refuse to get on the phone with XXXX XXXX XXXX to resolve this issue. They will not send me record of the all of the phone calls I've made or the phone calls they've made to me. This loan was paid off in full yet they will not clear the account. My most recent attempts once again to address this issue began again on XX/XX/XXXX with a supervisor XXXX XXXX who said the issue was obvious and it would be resolved. It was not. I then spoke again on XXXX requesting supervisor call back with no response. I called on XXXX requesting a supervisor call back with no response. On XX/XX/XXXX I spoke to rep XXXX who said the cashiering department would call me back with no response. I called on XX/XX/XXXX and spoke to a rep and then tried to conference XXXX XXXX XXXX and she hung up. I called back and spoke to a new rep who said a supervisor XXXX XXXX would call be back within 24-48 hours. This has gone on long enough with countless hours of wasted time. I paid off this loan and at this point I consider TD AutoFinance behavior to be harassment. I am providing my bank statements and my TD AutoFinance running balance which shows how they errantly misapplied my payment. It shows the {$5000.00} being returned on the errant {$5000.00} payment and also shows the {$750000.00} not being fully applied. XXXX XXXX XXXX is more than happy to assist through their claims department ( XXXX ) as they can show my funds were sent and no longer in my account. Please assist.