davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-28
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

On XXXX XXXX Order Summary Subtotal : {$140.00} Kohl 's Cash - {$5.00} Free Standard Shipping {$75.00} - {$8.00} Shipping : FREE Sale Tax : {$9.00} Total : {$150.00} You saved {$13.00} on your purchase today. 


Your Earnings Kohl 's Cash to use XX/XX/XXXX - XXXX, 2021 Your Kohl 's Cash will be sent in a separate email. 
{$20.00} Kohl 's Rewards updated balance {$7.00} previous balance + {$0.00} earned on this purchase {$7.00} I purchased a XXXX XXXX head set and the same day I canceled the order because it had my old address They sent me a confirmation We were successfully able to request a return of your package with tracking number ( .. ) to our fulfillment center. Once the items are received and processed, you will receive a refund to your method of payment. that the order was canceled and sent me a confirmation email Since then I have called numerous times to get the my refund back on to my credit card which would make my balance 0 again I have been charged double for something I never received 1 phone call I was told the error was fixed but it was not the last phone call I finally got a dispute number and I have since then been threatened that my credit card has been suspended it is now XXXX XX/XX/2021 and I still do not have my account resolved
Consumer complaint received 2022-09-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CT)

My Chase card was double charged for {$10000.00} USD by the XXXX XXXX in XXXX on a XXXX stay for 6 rooms and the Hotel had already charged my XXXX XXXX Credit card. I paid the XXXX XXXX card and immediately notified Chase of the error in XX/XX/2022. I sent Chase documentation to show XXXX XXXX was already paid and also sent them the email from the hotel GM and Finance manager saying they would issue a credit to Chase, which they have not done yet. I have called Chase every month since as they have " investigated '' the issue and each time the representative would ask me for additional documentation which I would fax or upload within 24 hours. Chase would send form letters that I received about three weeks later which would prompt me to call them again. 

Chase has just informed me that although they see XXXX XXXX was paid, there is nothing they can do because it took so long for them to resolve and they want me to pay them too. I told them the reason it took so long is because of them taking 5 months, not me as I gave them whatever info they asked for within 24 hours. I have copies of all the documentation I sent them. 

Today, 6 months later, Chase is telling me I need to pay them and get the money back from the Hotel. I explained that I am in the middle of the transaction and that's their responsibility not mine as I don't know if in fact the hotel hasn't already credited them back. They threatened to put me in collection if I didn't pay them and ruin my XXXX credit score and I made them aware I sue them for damages besides getting this this to every consumer protection agency.
Consumer complaint received 2021-04-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BAM Management US Holdings Inc. (MD)

On the XXXX a of XX/XX/2021 I made a ACH deposit to XXXX app. The payment cleared though my bank and somehow the transaction became a pending purchase for XXXX $ worth of XXXX. I don't remember trying to purchase XXXX, however that's not the problem. It ok if that's not reversable, but whats not ok is never giving me anything and having it XXXX on pending still as of today the XXXX of XXXX. I submitted a ticket way over a week ago and they auto solved many of the ticket forcing me to create new ticket. I also reached out to them though the email and have now filed a complaint though the XXXX, sec. They finally responded with a automated response ... Not even reading my ticket saying it was fixed then closed the ticket again as of XXXX of XXXX. I check to see if the XXXX pending purchased that cleared my bank succeed and it's still pending as of XXXX of XXXX. Forcing me to yet again resubmit a ticket. I would charge back but im am stuck in a trade position. If I do my account will then be locked. They have done worst to others. Look them up on XXXX and XXXX XXXX of people are having issues with them and every week they are adding on hundreds of ticket.
Consumer complaint received 2021-04-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Simon's Agency, Inc. (PA)

On XX/XX/21 I disputed with XXXX  the Simon Agency Inc collection. I told XXXX  bureau that this collection violates my privacy and should be removed off my credit report. Also I told them they were open to Litigation if not removed. They still havent removed this collection off my report. XXXX  bureaus does not have this collection on my report. I spoke to the XXXX  bureau and they are removing it from their report. I decided to take matters into CFPB hands
Consumer complaint received 2022-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I went to XXXX XXXX XXXX to get a Car and they told me that they ( XXXX XXXX XXXX ) would run my credit for the Car I chose, instead they gave my information to 8 or 9 different Banks and Credit unions to run my credit. I did not authorize them to give my information to third parties. There actions caused a lot of hard inquires on my credit report, which dramatically affected my credit score. The names of the companies are : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc (LA)

Chime limited my account for a reason they have not made clear I have over XXXX $ in the account they placed a limit that I can only spend XXXX $ a day and withdrawal XXXX $ a day from ATM I just want to get my money out and move to another bank but they wont let me they keep talking me theyve fixed the issue but it never gets fixed they have stolen my money and its locked up the only option I have is to withdrawal XXXX $ a day till I get my thousands of dollars out.
Consumer complaint received 2022-09-26
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

On XX/XX/2022 I 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. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those 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 de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My Fico Score was from XXXX to XXXX penalized by 47 points? Transunion will not EXPLAIN to me why I'm being penalized for being a financially responsible consumer?? 
Please investigate For several months my Fico Score stayed the same at XXXX each month never changing? for several months XXXX & added a 1 POINT to increase XXXX. After my credit score reaches XXXX, my score was decreased by 47 points? 

Please review my uploads & see the 1 POINT increase in my fico score from XXXX to XXXX? There is something FISHY going on with my Fico score & credit score??
Consumer complaint received 2022-10-07
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. (TN)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for 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 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-04-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: BAM Management US Holdings Inc. (CA)

On XX/XX/XXXX, I used my checking account debit card ( ending in XXXX ) on the Binance.us website to transfer {$420.00} from my checking account to my Binance.us account ( Acct # XXXX ). Within a few hours, the transaction status on the Binance.us website changed from " Processing '' to " Failed, '' and my account balance on Binance.us did not reflect this deposit. However, on my checking account, I see the total amount of {$420.00} was deducted successfully with the description : " Withdrawal BUSINESS DEBIT / XXXX BINANCE.US XXXX NV Date XX/XX/XXXX XXXX XXXX  % % Card XXXX # XXXX. '' Knowing this was an error, I submitted a support ticket at https : //support.binance.us ( Support Ticket # XXXX ) on XX/XX/XXXX. Following my submission to Binance.us, I received an email confirmation stating my support ticket had been received. The email confirmation also said not to contact them again or open any additional support tickets as this may delay my request. 

On XX/XX/XXXX, I found a Binance support thread on XXXX called " Weekly Binance Support Thread. '' This thread seemed to be monitored by Binance staff, and some users were receiving limited support by posting their issues, so I posted my support ticket number and a brief description of my problem. Within a few hours, I received a response on that XXXX thread and an email from XXXX ( Bianace.us ) asking for additional information.

The email read : " Thanks for reaching out to Binance.US support. According to our records, this transaction indeed failed. I'll bring up the discrepancy with our payment processor. Could you please send screenshots of what you're seeing on your Binance.US account and your bank account? Once received, I'll have our payment processor settle the amount back to your account. '' I immediately replied to XXXX 's email with the requested information, attaching screenshots of my Binance.us account and my bank account showing the withdrawal transaction. 

To date, this issue is not resolved. My Binance.us account does not reflect my deposit of {$420.00}, although being withdrawn from my checking account. I have received no additional communication from Binance.us regarding my multiple support requests through various channels. 

As a resolution, I would either like my deposit returned to my original checking account or my deposit credited to my Binance.us account.
Consumer complaint received 2021-04-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (PA)

Select Portfolio Servicing is the servicer on mortgage. We were with XXXX to XXXX  XXXX XXXX ( in middle of a modification ) and flipped to SPS. Note is purportedly with XXXX XXXX XXXX  XXXX. 
We have requested A modification from SPS thru HUD approved agencies 6 times and directly to SPS a total of 7 times. 
SPS always misplaces or loses documents and has refused to modify loan. They offered a trial payment a few hundred dollars less than current mortgage payment. 
On XX/XX/XXXX, SPS sent a letter to our homeowners insurance company - XXXX - saying SPS initiated a foreclosure on property in XXXX! 
This of course cancels our home insurance and will necessitate FORCE PLACED insurance thru SPS. 
SPS is not licensed to conduct business in PA and as I understand a servicer CAN NOT initiate a foreclosure.
Consumer complaint received 2022-04-06
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. (NY)

On XX/XX/2022 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect
Consumer complaint received 2022-07-28
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. (AZ)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 


XXXX XXXX XXXX XXXXXXXX Balance Owed : {$140.00} ; XXXX XXXX Balance Owed : {$460.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$140.00} ; XXXX XXXX ; XXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (IL)

1 ) Company at issue - Experian 2 ) Mortgage company ( XXXX ) uses Experian to perform a soft pull so as to initiate the application process. I tried multiple times and the error I received at XXXX was that it was not able to check my credit report. Suggestions included using a different address or removing any freezes that may have been placed on the account. 
3 ) I never placed a freeze on my account. I tried a different address. Neither worked. 
4 ) I contacted XXXX, to ensure legitimacy and perform due diligence since I understand the risk associated from the unlawful doclosure of a credit report to an unauthorized party. 
5 ) XXXX was understanding and suggested I add in a middle initial. This also did not work. 
6 ) XXXX said the issues was with Experian and for some reason they were not releasing my credit report to perform the check so that I could begin the application process. 
7 ) I used XXXX to pull my free credit report. 
8 ) I did this and I could see five different soft pulls from XXXX, XXXX on the report. This demonstrates that my identity was verified and the information I provided was a match since the soft pulls ARE ON MY CREDIT REPORT. 
9 ) I called Experian directly and their response was that I hadn't accessed my credit report membership in over a year. 
10 ) I did not know I had a membership, which is concerning. Rep assured me it was a " free membership. '' 11 ) However, this was an inaccurate statement since at that time I was viewing my credit report that was generated a day prior to speaking with the Experian rep. 
12 ) Experian rep did not confirm or deny the ability to see the soft pulls that are clearly visible on the credit report. 
13 ) Experian rep gave no solution for the issue with the bank being able to perform a soft pull. 
14 ) I will not be able to apply for a mortgage with XXXX since the application requires a soft pull prior to initiating the application process. 
15 ) Both a person ( me ) and a business ( XXXX ) is experiencing negative effects from this CRA.
Consumer complaint received 2021-12-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

My home was destroyed by hurricane Ida and condemned I was selling my kitchen cabinets on XXXX XXXX for XXXX this person by the name of XXXX XXXX reached out and wanted to buy them. The agreement was he would send check for the amount of the cabinets plus moving fees for a company to pick them up I received a check for XXXX so XXXX for cabinets XXXX for moving fees. He coaxed me into sending him the XXXX through XXXX via my chase bank. He said thats the only way the moving company would move the cabinets. They needed the money up front. He then two days later canceled it saying his sister had an accident was in the hospital with XXXX XXXX XXXX and he needed the XXXX sent to him in cash thats when I realized it was a scam. He scammed me at a very vulnerable time I have lost my home. Im a XXXX in the XXXX just come through XXXX I need this money back. Please can you help me. This is just not right. I need my chase to look into this for me. Thank you
Consumer complaint received 2021-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CARVANT FINANCIAL LLC (NY)

In XXXX & XXXX of 2020, someone tried to purchase a vehicle from multiple car companies. I notified these companies stating that I did not AUTHORIZE these INQUIRIES, nor was I applying for any auto loans do to the fact that I was just released from prison in XX/XX/2020. They stated that the inquiries would be removed. In addition, during that time DMV was closed due to the Pandemic ( COVID ), so there was no way for me to obtain a License or State ID.
Consumer complaint received 2021-04-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (IL)

On Sunday, XX/XX/2021, when I wake up around XXXX and tried to check email, I could not sign in. Then I checked my coinbase pro account to see the activity, it was also not letting me in. Then I realized my XXXX XXXX service was out, but internet was working through my home Wi-Fi. I tried to reset my XXXX account as well as coinbase pro account. I went to coinbase support and email about the incident. After several attempts, I was able to reset my password for email. Then I realize my t mobile service was back and was able to reset coinbase account. I saw all my virtual currency was stolen and left with approximately {$160.00} cash balance. But after few minutes the coinbase pro account signed out automatically and locked. I emailed coinbase support again about the account transaction. Then I immediately called XXXX XXXX customer service about the incident. XXXX XXXX representative acknowledge that my sim was swapped by an unauthorized person around XXXX in the morning and the fraud department later detect the fraud and redirect the sim back to my phone. During this couple of hours of time frame the hacker was able to get into my email, change the email password, get into my coinbase pro account, change the password, and transfer the virtual currency. Also, the hacker deposit {$1000.00} instantly from my linked bank account to buy more virtual currency and transfer that too. I found that Monday morning when I was checking my bank account. It shows as the transaction to coinbase was in process of transferring from my Bank. Since I called my bank on Sunday to stop all transaction from coinbase, they were able to reverse back that {$1000.00} transaction. I informed this issue to coinbase support too. I got a case number from coinbase, but my account is locked. Try to call coinbase customer support but can not have live person to report. Not sure how coinbase is handling the case. Need help to get my money back. Also, called t mobile several times regarding sim swap, they accept its their fault but not willing to compensate the loss. Do not know where to call or how to get help to get my money back. Please help. Thank you.
Consumer complaint received 2020-10-06
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: RoundPoint Mortgage Servicing LLC (FL)

I was overdue on my mortgage payment just past 30 days. Roundpoint Mortgage reported it to the credit agencies. This was back in XXXX of 2018, I contacted them in regards to having it removed from my report and they stated that it was against the law for them to do so. This negative mark on my credit is negatively affecting my credit score which I'm trying to raise. Any assistance in this matter would be greatly appreciated.
Consumer complaint received 2022-07-22
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (NY)

received A credit card in the mail., I thought it was an offer so I dis regarded it. Then I received an invoice with a charge on it and like ummmm nope not me. I am trying to get out of debt, not incur more debt. When I called to discuss this XXXX, and follow the correct promts, no matter what time of day I have called, the recording always states that the olffice is closed and to try to call again later. I have also emailed them and have still not received a response the website is XXXX XXXX XXXX  I had to create an account in order to send them an email and this is what I wrote From : You Sent : Tuesday, XX/XX/2022, XXXX AM ( XXXX  ) To : Comenity Bank XXXX XXXX Fraud Message ID : XXXX I did not apply for this account and I have not made any purchases. Please contact me to discuss this.