davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-10
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SOUTHSTATE CORPORATION (NC)

On XX/XX/XXXX my wife and I signed a Bill of Sale for the purchase a boat from a private seller. The sellers had a lien on the title. We decided to use the same bank the sellers used to facilitate a seamless transfer of the title, registration, and sale of the boat. 

The bank we used was SouthState Bank and we chose the branch at XXXX XXXX XXXX XXXX, XXXX, NC XXXX. The branch manager, XXXX XXXX, assisted with the loan process from start to finish. 

We closed on the loan on XX/XX/XXXX at the branch with the sellers present. Including in the documents we signed was an application with the North Carolina XXXX XXXX for a three year boat registration and gave XXXX a check for {$180.00} to cover the fees. She informed us that their back office handles the title transfer and boat registration and we had nothing else to do. 

While the NC XXXX processes the registration, we are given a XXXX grace period to use the boat as long as the Bill of Sale was on board while boating. During that period we had not received the boat registration. 

On XX/XX/XXXX, XXXX days after our grace period ended, I emailed XXXX informing her that we had not received the registration. I did not receive a response. I then called XXXX directly on XX/XX/XXXX and left a voice message indicating the same. I did not receive a response. I later sent a follow up email on XX/XX/XXXX. XXXX finally responded on XX/XX/XXXX, 32 days after my initial inquiry. 

XXXX informed me her " ... loan booking department stated Title was mailed to seller ... '' This was a mistake. The title should've never been mailed to the seller as it was simply a transfer from the sellers to us. She said they were working on it and will get it resolved. 

Subsequently, I emailed XXXX on XX/XX/XXXX to find out if they've received the title. They hadn't received it and I then asked if she should simply apply for a lost title with the NC XXXX XXXX. Her response was to send me a link to the NC XXXX 's website with instructions on how to do this. 

I also indicated to XXXX that I was confused as to why the title was mailed to the sellers. Her response, " I asked the same question and did not get a straight answer. All of our department employees are still working from home and there are only a select few allowed into buildings you are not the loan I am having issues with right now not an excuse just being honest. '' In essence, she's too busy to help. Meanwhile we're continuing to make monthly payments on a boat that we have no legal ownership interest in and we can not use and enjoy due to the bank 's negligence.
Consumer complaint received 2021-04-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF THE WEST (CA)

Dear CFPB, This complaint is in regards to the practices by Bank of the West, namely in failing to timely respond to customer requests to file dispute of charges under Regulation E, their subsequent retaliation and closure of the account, lack of timely notification of such adverse actions, and now holding funds from the Small Business Administration with no clear timeline or roadmap to obtaining it from them.

The timeline of the issue and sequence of events below is generalized : XX/XX/XXXX I Make funds transfer inquiry about unauthorized withdrawals of account funds via XXXX XX/XX/XXXX BotW responds finally outside their stated 24-48 hour timeframe, ask for the amounts and dates in dispute. 
XX/XX/XXXX I respond with the dates and amounts of unauthorized transactions. 
XX/XX/XXXX I follow-up once again. 
XX/XX/XXXX I follow-up once again, clearly flustered. 
XX/XX/XXXX Follow-up once again, also notice that my account says I have no eligible account on file when I login. Receive automated e-mail that disputes were filed and are being investigated. 
XX/XX/XXXX Customer care responds with some pre-baked excuse about long delays and tell me to call a number which I attempt but it goes nowhere. I respond angrily that after this delay their response was unacceptable. 
XX/XX/XXXX A debit transaction of {$0.00} is conducted in branch without my permission. 
XX/XX/XXXX I read a message to call my local branch which I do, I speak to XXXX and she says she will get back to me. 
XX/XX/XXXX PPP Loan arrived at the account and was processing ( mind you, I applied a month ago and it just finally arrived, BotW closing my account was a coincidence, and for sole proprietors it doesn't matter what bank account the funds go to since it's to pay for salary ). I call once again, reach XXXX, who tells me she will have her manager XXXX reach out to me. 
XXXX PPP Loan was already current/on balance. XXXX does not reach out. I call, speak to XXXX, who investigates. 
XX/XX/XXXX Unable to login/ recovering password doesn't work. Receive e-mail from XXXX that compliance closed the account for " business activity. '' In summary, BotW had an unreasonable delay to initiate Reg E covered disputes on my account, and the day on which they filed for the dispute, they closed my account, and later would cash out my funds without any sort of correspondence. I am still uncertain whether the dispute is ongoing and will be resolved, and if so what recourse I have whether it is in my favor or not, and how to follow-up. The timing of events looks like retaliation or some sort of action to avoid Reg E rules which might cost the bank funds. The additional run around, with nobody knowing anything, and not contacting me about these actions is egregious, stressed me greatly, took much time out of my day, and now my funds that are essential for my business are trapped with nobody doing anything to help me obtain them.
Consumer complaint received 2022-06-26
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. (FL)

n accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX 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 XXXXXXXX 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
Consumer complaint received 2022-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

The Credit bureaus stated my account XXXX # XXXX was properly investigated The Credit Bureaus never did a proper " investigation '' according to the FCRA XXXX 

The term " investigative consumer report ' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They did not do this. 

Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 


The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 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
Consumer complaint received 2021-04-09
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

On XX/XX/2021 I sent a certified mail letter to the three bureaus regarding Inaccurate accounts being reported to my credit report. It has now been over 60 days that I have not received a response, I feel as though my request has been ignored. In this time of a pandemic my credit report is crucial to me regarding that I must use it to feed and shelter my family who are unable to work and provide for themselves in this unfortunate time that Covid-19 has caused. Section 611 ( a ). States that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. It has been over 60 days so these items should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress this has caused not only me but my family as well in this time of uncertainty. My information has also been impacted by the Equifax data breach which could also been in relevance to these erroneous accounts reporting inaccurate items on my report.
Consumer complaint received 2018-04-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (FL)

XXXX XXXX XXXX this account was not authorized to added to my credit report due the company they purchased the account from XXXX. I never opened an account with them with my authorized this account when the account was opened. The account was going to address that I am not even associated with at all. Please remove from my all three credit report promptly. I have contact over the phone and via certified mail to have this item removed with no response. I should not be penalized for an account that I never opened in the first place. It annoys me I have to go to these extreme to have this account removed. It seems that these companies should really do all they can not to adversely affect someone's credit unless absolutely necessary.
Consumer complaint received 2021-04-09
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: ERC (TX)

This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease
Consumer complaint received 2022-08-08
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. (FL)

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX and I'm including it again. 
XXXX XXXX Account Number : XXXX Balance : {$500.00} XXXX XXXX Balance : {$260.00} XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX XXXX Balance : {$260.00} XXXX XXXX XXXX Balance : {$0.00} XXXX / XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$260.00} XXXX XXXX Account Number : XXXX Balance : {$500.00}
Consumer complaint received 2022-06-26
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I, XXXX XXXX, am aware that Capital One is not in compliance of the Gramm-Leach-Bliley Act. As a federally protected Consumer, my rights have been violated.
Consumer complaint received 2022-08-13
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. (TN)

In accordance with the Fair Credit Reporting act fair credit reporting act 12USC 1681 Account # XXXX XXXX, Acct : XXXX XXXX, Acct : 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 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Consumer complaint received 2022-01-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (SC)

On XX/XX/21, I received a text from what I believed to be Wells Fargo Bank. It stated that there was an attempted XXXX transfer of {$3500.00}, & asked me did I approve this transaction. I replied " NO. '' Later that day I received a call from what I thought was Wells Fargo ( per the caller ID ). The caller said he was with Wells Fargo, referred to the above-mentioned transaction, & told me that in order to reverse this transaction, I had to go into my account online & follow his instructions. I went into my account, & he then had me : 1 ) set up an account in my name with XXXX XXXX & 2 ) XXXX transfer {$1000.00} from my savings account to this new XXXX account. He also talked me through setting up a wire transfer of {$1400.00} from my checking account ; I was later able to cancel this transaction. He then told me not to log in to my account for XXXX hours. When the call ended, I was suspicious & I called Wells Fargo & was connected to the Fraud Dept. They informed me that this is a current scam, & it was unlikely that I woud get my money back because XXXX is a cash transaction. They did open up a claim, # XXXX. I received a letter from Wells Fargo today, with their final determination, & then called them. I was told that this scam was not considered fraud & I woud not be reimbursed. I am a retiree on a fixed monthly income, & needed that {$1000.00} to pay bills. I
Consumer complaint received 2022-08-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CADENCE BANK (MS)

My paycheck was deposited early on XXXX and wasnt in the bank. I found out since Wednesday XXXX deposits havent shown up. 
Late on XXXX my deposit showed and then today XXXX it disappeared no contact from the bank except a banner on app. 
This is totally unacceptable behavior for a bank
Consumer complaint received 2018-04-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: DISCOVER BANK (PA)

My wife XXXX XXXX mistakenly overpaid Discover billing of over {$16000.00} in XX/XX/XXXX. After the Discover Credit statement came on the beginning of XX/XX/XXXX, finding the mistake my wife had contacted Discover Card customer service on the week of XX/XX/XXXX and requested a refund check back. We have been promised on the week of XX/XX/XXXX that we should get a check sent to our home in three weeks by Discover Customer Service on XX/XX/XXXX we had contacted Discover Customer Service ( CS ) and was told the check should be there Monday on XX/XX/XXXX. A statement from discover came, but no check. Contacted a Discover CS supervisor and he had found that a check was started and then dropped. The supervisor offered a {$15.00} transfer fee to wire to our bank, because he said this should never happened and it should be no longer than two days for wire transfer to my bank at XXXX XXXX XXXX XXXX. I had contacted a CS supervisor on XX/XX/XXXX was it could take three days for wire transfer on Friday XX/XX/XXXX a supervisor put me on hold for an hour and came back to say he could not find out anything and would keep on top of it, asked for my phone number because he was sure to call me back ; he never did. One time I called after that and received a message about you won a free cruise because of a survey, all I had to do was to pay port fees and then the phone line went dead. Other attempts were made to get our money back to no avail. The latest Discover would give a time line when we could receive our money back and stated " We must follow certain guidelines when a credit balance refund is requested on an account. ''
Consumer complaint received 2022-04-24
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: North State Acceptance, LLC (NC)

On my credit report I didn't allow any of the companies listed to put any bad inquries on my credit report. I didn't commit any crime or gave anybody permission to list anything or did I wrote or sign anything to list anything on my credit report.
Consumer complaint received 2022-08-13
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. (PA)

In Accordance With The Fair Credit Reporting Act XXXX  Account # XXXX  XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Has Violated My Right.. 

15 U.S.C 1681 secton 602 A. I Have The Right Privacy.

15 U.S.C 1681 secton 604 A Section 2 : It Also States A Consumer Reporting Agency Can not Furnish A Account Without My Written Instructions..

15 U.S.C 166b A Creditor May Not Treat A Payment On A Credit Card Account Under An Open And Consumer Credit Plan As Late For Any Reason..
Consumer complaint received 2021-04-09
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

Hello, on XX/XX/2021 I mailed my letter regarding illegitimate items on my credit report. To this day, it's been over 30 days now, and I have yet to receive any response. I feel completely taken advantage of because I'm being ignored of my disputes. Within section 611 ( a ), it's plainly states that with the failure to investigate any item within 30 days gives reason to immediately remove those disputed items from the credit report, and it's been well over 30 days, so the inaccurate items in which I've disputed should be removed immediately or I will file for litigation as a result to the stress and loss that's been caused to me. Previously, my information was impacted by the Equifax Data breach, and may have got into the wrong hands and person.
Consumer complaint received 2020-01-31
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)

Equifax and XXXX  are incorrectly reporting me as an Authorized User on the XXXX - partial account number ****XXXX. ( Please see page attached from my credit report. ) I called XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User XXXX. I have contacted the bureaus to remove this item however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report.
Consumer complaint received 2018-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

Cfpb I am making a complaint about XXXX XXXX and they also have another name XXXX   XXXX XXXX they are charging double interest which doesnt add up and is not agreed this is why I sent a dispute for inaccuracies it's not right under the fcra and violation of the statue of limitations. I will show proof as I upload documents. This must be removed due to fradulent increase of same amount and reporting inaccuracies of information. I also ask for proof of any promissory note and all original documents with my signature I have not recieved or gotten any proof of it.. I heard they have gotten Sued before because of this.. I am very unhappy about this situation and will do my best to proceed with litigation if theres no removal from this company I am ready bring it on I have all my documents to show in court if we have to take it that far my first step is to report to cfpb first before making any decision for litigation. 
Thanks cfpb
Consumer complaint received 2022-08-28
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: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I have sent multiple letters to Portfolio Recovery Associates asking them to validate a debt they claim I owe in the amount of {$11000.00}. 

The first letter I sent was on XX/XX/2022 via tracking # : XXXX XXXX XXXX XXXX XXXX. They responded to me with a bank statement. Which is not proper validation of a debt. I then sent them another letter via tracking # : XXXX XXXX XXXX XXXX XXXX on a second attempt for them to validate this alleged debt. They again responded with a credit card statement. 

They have not provided me with the required documentation they are supposed to have. 

They have not provided me with what the money I owe is for, a detailed explanation of how they calculated what they say I owe, any documentation bearing my wet ink signature that binds me to pay them, Proof that they are licensed to collect in my state, or their license and Registered Agent numbers. 

Not to mention I did not give them any written instruction to place this account on my consumer report and they have violated my privacy rights. 

As far as I am concerned, I do not owe this debt to Portfolio Recover Associates because there is no contract bearing my wet ink signature that I signed. This account needs to be removed from all of my consumer reports immediately.

Account Name : Portfolio Recovery Associates Account Number : XXXX
Consumer complaint received 2022-01-10
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. (NJ)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.