davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-14
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: JPMORGAN CHASE & CO. (IN)

Applied for a credit card and a month later I had not received any response from the company and I saw an inquiry from them on my credit report, I called the bank to inform them and they said they would investigate this and a month later I saw another inquiry on my credit report and six months later I still have not heard anything from them.
Consumer complaint received 2021-05-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CMI Group, Inc. (NC)

CREDIT MANAGEMENT LP has recently added a collection debt to all 3 of my credit reports which are XXXX, XXXX  and XXXX  that do not belong to me with a past due balance of {$370.00}. 

i have never done business with CREDIT MANAGEMENT LP or any one they are collecting for, i have never signed documents, contracts or any agreements with CREDIT MANAGEMENT LP, i have provided this company with my social security number, private address or any personal information.
Consumer complaint received 2021-12-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (KS)

Coinbase.com had an offer that if you set up a recurring buy of {$50.00}, they would give you {$10.00} Bitcoin reward after the 4th and 8th buy.

Allowing for the 5 days for the reward to hit my crypto wallet, I waited until the 5th purchase to ask where my reward was for the 4th. They said I wasn't eligible at this time. I inquired why, and they replied that the " confirmed '' I wasn't eligible. 

I said that if they could " confirm '' it, then they should know the reason why. Like " you were not eligible because you didn't meet condition xyz ''. Their reply was that they are working hard to quickly address the issue. That's the last I've heard from them. 

I told them that if I didn't get an answer, I would contact the XXXX. I started to do that, but I saw they already have an XXXX  rating and hundreds of 1 star ratings and complaints. So I decided to write you instead. If you read the XXXX complaints, you'll see others like me who were not given the promised bonuses, along with others who say they were locked out of their accounts, or had crypto disappear out of their account, or had transactions where they didn't get all the crypto they should have gotten at the exchange rate at the time of the transaction.

Coinbase appear to be cheating their customers in every was at any opportunity. They should be investigated. Attached are the email chains of my correspondence with them : ===
Consumer complaint received 2020-04-25
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: SYNCHRONY FINANCIAL (AE)

I have a savings account with Synchrony bank for the last 2.5 years. My account has been " under review '' or " restricted '' for more than 30 days. I have received no letter nor any kid of notification and only found this information out by reaching out the the bank myself. 
When I did reach out for the first time, XX/XX/2020, they had no information or details to give me. They kept telling me a " third party '' handles this and couldn't tell me who or what exactly, but that I should receive a letter in the mail soon. I have been back and forth with them for the last month trying to figure out a solution to be able to access my hard earned money. I still have yet to receive a letter or any sort of explanation or reasoning as to why I can't access my account with my life savings. 

I explained to them my situation. Along with everything else going on in the world ( COVID-19, etc ) I work overseas on a XXXX XXXX where I risk my life every single day to make my hard earned money that I can not even touch if I wanted to. It could be an emergency and I'd be out of luck. The multiple bank reps and managers I have spoken with have zero empathy and have not been able to at least give me information to ease my mind. 

I have spoke to them several times ( XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020) and still get absolutely nowhere. The very last phone call they told me that my account will be closed and a check will be sent. I spoke to two different people who told me the check will be sent to two completely different addresses, which is not possible and someone is incorrect. Not only did they inform me they are closing my account ( on what grounds? I still am not certain ) but they could not give me a concrete date or time frame in which the account closure will take place, nor when the check would be mailed out. I again expressed to them that I am overseas and there nothing I can do with a check here, as there aren't any ATMs or banks in XXXX. They expressed to me that that is the only way and couldn't make any exceptions. I have no clue when to expect the check, no clue when the account will be closed and no clue what I will do with the check if it ever reaches to where I am. 

This is the most unprofessional, unethical financial institution I have ever had to deal with and i am disgusted and extremely unsatisfied with the way my account and I as a person are being handled. I wouldn't recommend this bank to my worst enemy. We, as in the world, are in crisis right now and if I need to help my family survive I couldn't do so. I am a veteran and i am disappointed at how my finances have been handled especially since I've been such a great customer. My life savings are being held hostage. I have repeatedly put my whole entire life on the line, while we are still very actively at war and this is the thanks i get? I can't even access the money I have been compensated for it?
Consumer complaint received 2021-06-24
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. (TN)

Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates.

Equifax is in violation of 15 U.S.C. 1681a ( 2 ) ( B ) as the items listed below should be excluded from the consumer report. 
I never gave Equifax any written consent to report ANYTHING to my consumer report. Consent was not given to have my personal identifying information which is identity theft per 12 CFR 1022.3 ( h ). A copy of the law is attached for reference. 
As the consumer I am demanding that the inaccurate items circled on the attachment I included be deleted.
Consumer complaint received 2019-03-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

In XX/XX/2018, I came home from a Spring Break vacation with my kids to find my wife had moved out and filed for divorce. Her lobster lifestyle on our baked beans budget and job layoff had led me to over utilize four of my credit cards ( XXXX XXXX, Bank of America [ BoA ], XXXX, and XXXX ). I contacted each of them to discuss my problems and see if there was anything I could do. XXXX offered a temporary reduced rate and monthly payment. XXXX also offered a temporary reduced monthly payment. XXXX didn't have anything to offer. BoA suggested I open a new account with them to take advantage of available credit and shuffle some high-balance accounts around to promotional balances. Although I was initially skeptical of this approach, I was desperate not to get into an even worse situation and agreed. I was disappointed that the best they could do was a second account with a {$2200.00} limit but went ahead and transferred {$2000.00} to this account. What ensued led to significant impacts to my credit that I believe are still affecting me today. Rather than simply open a new account for me with this new line of credit like the rep had explained, BoA took the {$2200.00} off of the credit limit for my existing account. This basically put my debt to credit ratio for that account at 100 % and led to a domino effect across the other cards as they saw BoA drop my limit. My available credit for the XXXX card dropped from {$25000.00} in XX/XX/2018 down to {$21000.00} in XX/XX/2018, which not only put that account 's debt to credit ratio at almost 100 %, but also cancelled out a balance transfer request that I had just submitted. I spent a considerable amount of time complaining to XXXX and BoA about these issues and trying to describe what happened but they didn't seem to care. I'm wondering if the BoA reps get an incentive for opening new accounts and if that motivated them to push me in that direction. I'm trying to get a home equity loan to address all this horrible credit card debt but can't do so because of these issues with my credit. I've been very disappointed with BoA and regret ever doing business with them.
Consumer complaint received 2019-09-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NJ)

I received mail correspondence from PHH Mortgage Services on XX/XX/2019 enclosed with a notice regarding 'what does a company do with your personal information? ' On the lead mailing addressee sheet that was enclosed with the notice there is a 3rd party name in the addressee in addition to my name and my wife 's name. On XX/XX/2019 I attempted to resolve this issue with PHH Mortgage Services escalation department in the XXXX and XXXX XXXX, NJ as to why the 3rd party name is in the addressee for the documents sent to us. I have been put on hold for over an hour and a half with the PHH escalation department in XXXX XXXX, NJ only to have to leave my phone number to have them call me back. I have received no call from PHH to explain why there is a 3rd party name on the addressed documents. The 3rd party name on the addressee document is a known acquaintance to my wife and myself.
Consumer complaint received 2021-06-02
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: EQUIFAX, INC. (GA)

I am so upset. My family and I have been struggling to get a house. I had viewed my credit report and have reached out to you about the errors that I found on my credit report. I will not sit around and be bullied by your company. I deserve to be treated with respect. I work to hard to have to suffer through this madness. I refuse to shed any more tears over this unfair treatment. " 15 U.S. Code 1681 - Congressional discoveries and mission statement ( a ) Accuracy and reasonableness of credit revealing ( 1 ) The financial framework is subject to reasonable and exact credit announcing. Mistaken credit reports straightforwardly debilitate the proficiency of the financial framework, and uncalled for credit detailing techniques subvert the public certainty which is crucial for the kept working of the banking system. ( 3 ) Consumer announcing offices have expected an imperative part in gathering and assessing customer credit and other data on buyers. The financial framework is reliant upon the reasonable and exactness detailing of purchaser offices. At the point when you neglect to manage your work in addition to the fact that it hurts me it influences the financial framework. The financial framework brings in cash by loaning to shoppers like me. I have connected a few times whining about the wrong things on my buyer report. Well I am complete the process of grumbling. I request you eliminate these incorrect things or I will look for suit for the entirety of the infringement and for the torment you folks have caused me by destroying my standing by announcing erroneous things.
Consumer complaint received 2019-09-23
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc. (LA)

Myself and my mother went into the company and spoke to the person in charged on that day and informed her that I would be in to settle the rest of my responsibility of amount owed which was under {$500.00} at that time for a membership at XXXX XXXX which I had for less than a year, she verbally agreed and gave me a number to contact her when I was ready. The next thing we knew within a weeks time, my account was sold to a debt collector and the amount is now nearly {$3000.00}. I know that I was late honoring my responsibilities but there has to be a law against what was done. I have yet to receive a notice or a phone call. 
And who is this debt collection company adding all this extra money?
Consumer complaint received 2021-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OR)

The car in question on this account was returned in XX/XX/2020. It was returned to XXXX XXXX XXXX in XXXX XXXX, Oregon. The car was marked as grounded in the system and I was sent on my way. I filled out all the correct paperwork and paid all fines due at turn in. In XXXX of 2020, my credit card notified me that my credit had dropped by around 100 points. Unsure of what was going on, I investigated. Turns out XXXX XXXX XXXX sent my mother and I to collections for not returning the car. I received no phone call, letters in the mail, update to my XXXX online account, or emails surrounding the issue. We were just sent to collections. I have called XXXX repeatedly to get this taken care of. Multiple times a month, escalated to multiple heads of department and NOTHING has changed. I have been told over and over again that there is nothing they can do to get my account taken care of, because the department that handles this issue is " behind ''. The department that is behind also doesn't take calls from customers. They are an internal facing only department. I returned this car over a year ago and am still suffering repercussions from this. My mothers credit has prevented her from buying a new car, or financing anything in the past year. This is completely unacceptable and I really hope the Federal Attorney General will file suit against XXXX for all the people they have screwed over, in the middle of a pandemic.
Consumer complaint received 2019-03-27
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. (NC)

I have tried three times within this month, three separate disputes with Experian, to remove an erroneous credit account with XXXX/XXXX. I have never had a XXXX account, the woman I spoke to at Experian associated this account with " XXXX '' ( I don't know anyone named XXXX ), the account shows opened in 1966 ( I was XXXX at the time ). I have looked at XXXX, the account is not there. The account is not mine, I have no knowledge of it. Experian will not give me contact information so I can dispute it with XXXX/XXXX. Please help.
Consumer complaint received 2019-03-27
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. (GA)

This is an attempt to correct my EQUIFAX, XXXX and XXXX credit report ( s ). I have identified fraudulent accounts. Please block the accounts listed below : XXXX XXXX : XXXX - {$190.00} XXXX XXXX XXXX XXXX : XXXX - {$560.00} These are the accounts I request to be removed permanently from my credit report ( s ). Please block these accounts. These accounts are unverifiable and violate my consumer rights.
Consumer complaint received 2019-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS (FL)

The company I'm reporting is XXXX XXXX XXXX XXXX. They report people 's driving history to the auto insurance companies. 

The problem I'm having is that they are reporting an accident I had on XXXX incorrectly. They are reporting it as an " At fault '' accident, when it should have been reported as a " Not at Fault '' accident. 

Sometime during XX/XX/XXXX I discovered the accident was reported as an " At fault '' accident through an insurance agent who was giving me a quote. She explained to me that was the reason why the premiums were so high and recommended that I should contact LexisNexis. On XX/XX/XXXX I wrote them a letter explaining the situation, and sent documentation to show that the accident was not my fault. At that time I was insured by XXXX XXXX, so I provided them with a letter from the insurance company 's Claims Department and the police report. They sent me a letter on XX/XX/XXXX saying they corrected the record. They did not. I am attaching a recent quote from XXXX XXXX XXXX that shows it's still reported as an " At fault '' accident more than two years after they claim they corrected the record. This has cost me hundreds if not thousands of dollards during the past three years for outrageously high insurance premiums. I need your help to finally resolve this issue.
Consumer complaint received 2021-06-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. ()

On XX/XX/2020 I received a refund on my CITI Bank account from XXXX for XXXX, XXXX, XXXX, for 4 roundtrip tickets to XXXX for myself and my husband ( because of COVID-19 flights got cancelled ). On XX/XX/202 CITI Bank withdrew an amount of {$1000.00} from my account. I have called CITI Bank many times and spoke to different supervisors who promised to credit the amount of {$1000.00} to my account and as of yet CITI Bank have not credited the amount to my account. I am asking for the return of {$1000.00} from CITI Bank. I also spoke to XXXX finance department and they informed me that XXXX did not withdraw the amount from the CITI account as they said they had given me the refund and there is no reason to take the funds back. The last I spoke to CITI they advised me that the amount of XXXX was refunded to my account but an amount of XXXX was withdrawn which CITI bank has failed to honor.
Consumer complaint received 2021-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (SD)

My husband XXXX and I are in the process of getting a mortgage for a home. The credit report came back with one derogatory account under me. ELAN Financial Services was the creditor for the XXXX XXXX  credit card account. I had a checking, savings, and credit card through XXXX XXXX. I closed them out via phone call in XX/XX/XXXX. However, according to Elan Fin Svc, the credit card was still opened and charged on XXXX XXXX by XXXX plus late fees and interest since the checking account was closed. The remaining balance was paid off after realizing the error on XXXX XX/XX/XXXX and the credit card account was closed as well. This error was due to XXXX XXXX  failing to close out the credit card account when asked to close all accounts in my name, and neglected to inform me that it was still open. My credit score then tanked and we were out close to {$200.00} on something originally only {$25.00}.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

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 XXXX XXXX XXXX. XXXX XXXX. XXXX, section XXXX ( A ), states that I have the right to privacy. 

XXXX XXXX. XXXX, section XXXX ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 

XXXX XXXX. XXXX ( a ) ( XXXX ), section states : No consumer reporting agency XXXX include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) states : 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. 



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Consumer complaint received 2021-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (OR)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things I had seen on my credit report. To this day over 60 days later I have not received a response yet, I feel like Im being taken advantage of and have been ignored of my disputes. I demand these items be deleted immediately or I will file for litigation due to the stress and anxiety you caused me. I know these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. I have filed a complaint with the better business bureau because to my knowledge I do not recall these accounts. I need this problem fixed ASAP I will not wait another 60 days to receive a response because clearly they arfe ignoring me.
Consumer complaint received 2021-06-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc. (GA)

OnXX/XX/2021 I bought XXXX dollars worth with coinbase. Then a few weeks later I purchased another XXXX. On XX/XX/XXXX I received a notice that my password had been changed and if it was not me to shut down my account and check with my bank. On XX/XX/XXXX I noticed XXXX dollars pending in my account. Every day since then I have reached out to Coinbase. I have been unable to get into my account since that day. I literally have tried everything, from resetting my password. I have tried to trouble shoot a thousand different ways and nothing has worked .I have been told in 4 to 5 business days someone will contact me. But no one has. I have asked if I have any money left in my account. I asked to close my account. I get nothing from them!!! I dont know what else to do. I hope you can help me.
Consumer complaint received 2022-05-15
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. (CA)

in accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX  # XXXX, XXXX XXXX # XXXX &  XXXX XXXX XXXXXXXX # 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