davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (WA)

On XX/XX/2021 I went to log in to my Coinbase account and got a " Your account has been temporarily disabled '' message. I immediately went to their support site and filed case XXXX. Since then I have filed about 20 new cases. I've followed all the automated response directions. I've reached out to every employee I can find on XXXX, XXXX and XXXX. I've filed complaints with the SEC and FTC. I have lost XXXX XXXX XXXX of dollars in potential gains as the market has risen and fallen over the months. Coinbase has NO support options. No one you can talk to. As a publicly traded company I can not imagine how they are getting away with this. Can you imagine having no access to your XXXX XXXX account for 4 months with zero support available? I'm not rich and realize that crypto currency is a bit of a gamble but what should not be a gamble is having access to your account and funds. Filing a complaint here in the hopes that anything can be done. Thank you very much for your service!
Consumer complaint received 2020-10-09
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Chrysalis Holdings LLC (NH)

At the end of XX/XX/2020 our mortgage with New Day USA XXXX XXXXXXXX XXXX ) was transferred/sold to XXXXXXXX XXXX but on XX/XX/XXXX both companies withdrew my monthly payment of {$1800.00}. I believe the error was on New Day USA 's end because they had told me that the payment withdrawals would stop at the end of XXXX. Despite repeated calls to them I have not been able to get the money back. I am a Veteran and could not afford to have two mortgage payments come out of my account so it overdrafted onto my credit card. I will now have to  pay interest on the credit card for that amount. At the very least I need the money to be credited back to me as well as a penalty payment to cover the interest on my credit card and the time lost due to multiple calls to both companies and my bank to try to get the money back. 

I have attached copies of the monthly statements from both XXXX XXXX  and New Day USA as well as the transactions from my bank account that show the payments coming out of my account on XX/XX/XXXX and XX/XX/XXXX. 

I would also just like to say that I have spoken with New Day USA XXXX XXXX XXXX  XXXX multiple times in an effort to resolve this and they have been very unhelpful to the point of being rude. This kind of treatment of anyone let alone veterans is a disgrace.
Consumer complaint received 2021-10-30
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

Hi I got this store credit which is from Macys store and the cashier explained it to me that I will save money I mean it will be zero interest and it will be no fee charge anything it was completely wrong I purchased one dress with XXXX and they give me the receipt and go away in home and try the dress I noticed that the dress doesnt have a tag and I went to Macys to return it even though I had the receipt and I pay with that Macys card they told me that because I dont have a tag they can not give me full price so after so much back-and-forth after one week after I spoke with different management and finally to return it for me but a crazy wasnt available I try so hard and after a while then I purchase something else and I was going to make my payment online I noticed that was close basically they close my account and we talked any notification and telling me they didnt talk to me at all when I called customer service they help me for interest for the help me for a late fee which is I dont even know whats going on and like I said they close my account and also they reporting very negative on my XXXX XXXX XXXX and XXXX because I try so hard more than 20 times to call him and talk to them but if he was me I would like to ask you to help me at this matter and address this matter for me and also regarding my Credit report please help me I am sincerely appreciate it
Consumer complaint received 2021-10-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc. (MO)

XXXX as well as Coinbase have altered the XXXX XXXX XXXX XXXX as of XX/XX/2021. Current supply shows between XXXX XXXX while before this glitch occurred during a huge increase in price the circulating supply was stated as XXXX XXXX. Those of us who invested at the XXXX XXXX circulating supply point either over paid for coin or the error needs corrected along with loss of value due to an error that has been now going on for 3 days. This is clear market manipulation and also needs investigated by the SEC as well. This is beyond believable that a company owned by hedge funds are actually allowed to rob people of a growing free market with manipulation like this. So to fix this issue either the supply value needs corrected or those of us who entered into a transaction with these companies need what we are owed due to false information. If this happened on the stock market this company would have fixed this instantly and these two exchanges need fined.
Consumer complaint received 2019-04-09
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: EQUIFAX, INC. (NJ)

I have writing several companies that pulled my personal credit without my permission or consent asking that they remove the unauthorized inquiries. I then contacted Equifax providing them with my Equifax Confirmation # XXXX and my social security number regarding the unauthorized pull of my personal credit information Equifax continued to disregard my request to block credit inquiries that were not authorized by me. 

1 ) XXXX XXXX XXXX. Date : XX/XX/2018 2 ) XXXX XXXX XXXX Date : XX/XX/2018 3 ) XXXX XXXX XXXX Date : XX/XX/XX/XX/2018 4 ) XXXX XXXX XXXX Date : XX/XX/2018 5 ) XXXX XXXX XXXX Date : XX/XX/2018 2018
Consumer complaint received 2021-10-30
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: Premium Credit Bureau (NV)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. There is no third party involved or any Credit Repair company working on my behalf. Upon reviewing my updates, incorrect information was found in my reports. The XXXX and XXXX Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Report : PREMIUM CB Inquired on XX/XX/2019 XX/XX/XXXX
Consumer complaint received 2021-10-30
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA (NV)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. There is no third party involved or any Credit Repair company working on my behalf.I have a loan with FEDLOAN. I have always made my payments on time. For some reason, I realized that there were late payments on my credit report. As you can see, I have always had a terrific payment record with this company. I tried contacting the XXXX Credit Bureau with no successful resolution. There was definitely an error on their part. Investigate and update the current status to reflect accurately. Below is the account that is reporting on my Credit Report : FEDLOAN XXXX Balance {$0.00} Date opened XX/XX/ 2000 2000
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NJ)

I am disputing inaccurate personal information reported in my credit file, which remains uncorrected despite a prior dispute request. The credit report continues to display incorrect details, including variations in my name and address, as well as errors in other identifying information. These inaccuracies are in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which requires maximum accuracy in consumer reporting, and 15 U.S.C. 1681i, mandating timely reinvestigation of disputed information. I am requesting that these inaccuracies be corrected promptly, with written confirmation once updates are completed.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MI)

I'm requesting that Equifax delete all personal information such as inaccurate addresses and Names except for what I have provided. My credit report should only have one Name and delete address XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX. My address is listed below and I have attached a utility bill confirming this is accurate. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Delete : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-30
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (CA)

I originally started the application process on XX/XX/21 and was given the Loan Estimate with XXXX XXXX  of {$2300.00} on XX/XX/21. 
XXXX XXXX NMLS # XXXX was the Loan Officer from Loan Depot that started my application and locked in the details of the loan. It was interesting how he wanted me to commit to a home value ( I'm no expert and they still have to do an appraisal anyway ) in order to lock me into the loan terms ( which they later change and charge more if the appraisal fails the numbers you gave them ). This behavior in itself is setup to take advantage of you by changing the terms once the appraisal is done. Also, I had closed a loan ( Closed on XX/XX/21 ) previously with Loan Depot and the appraiser mentioned how afraid he was of any legal action from Loan Depot for reporting on the 'real " current market rate ( a current seller 's market ), knowing Loan Depot would take legal action against him or may not use him again, if his appraisal changed in a year. This practice and behavior forces a lower than standard appraisal from the appraiser, every time. 
Back to the Lender Credits ... after requesting all updates to my Loan Estimate be communicated to me with what the update actually was ( I requested this via voice and email ), Loan Depot would not comply with this request, so I was left reviewing and trying to spot the differences between Loan Estimates each time and having to figure out what the changes were. This setup and behavior, in my opinion, is a great way to set the borrower up for hidden 'bait and switch ' tactics which would go unnoticed due to many Loan Estimate updates being provided by the electronic system and only a 'viewing ' confirmation needed in order to XXXXconfirm ' approval. Whereby, the borrower, who has spent the last month or longer waiting for closing to be scheduled would forgo last minute $ $ changes in order to get to a closing. They really get you when they have you by the short hairs. 
For me the 'bait and switch ' occurred on the Loan Estimate dated on XX/XX/21 whereby, all of a sudden, my XXXX XXXX was now {$1000.00} ( a full {$1200.00} less ). I noticed this immediately and called the current Account Manager, XXXX XXXX who immediately sent out an email internally to managers and XXXX regarding this. The following day XXXX called me and admitted the error was on their part ; however, there would be no change in the Lender Credit. I told him this was a bait and switch and asked about speaking to his manager, which he replied, that would not be necessary. I told him I was cancelling this loan. He said he was refunding my Appraisal cost ( which yet has to be returned ). 
Thank XXXX for a few other Lenders Ive talked with who told me to go on CFPB to write this up and make a complaint.
Consumer complaint received 2021-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

I AM WRITING TO DISPUTE THE FOLLOWING INFORMATION THAT IS REPORTING ON MY XXXX CREDIT REPORT ON XX/XX/2021 I SENT XXXX PROOF OF POLICE REPORT AND IDENTITY THEFT REPORT ON XX/XX/2021 SHOWING THEM AND PROVEING TO THEM IM A VICTIM OF IDENTITY THEFT AND THEY ARE STILL REFUSING TO REMOVE THESE FRAUDULENT INQUIRIES I CANT EVEN LOCK MY CREDIT REPORT ONLINE TO STOP THESE FRAUDULENT INQUIRIES THREW THE XXXX WEBSITE OR ANY WEBSITE BECAUSE OF XXXX I CALL THEM AND TELL THEM ABOUT WHAT IS GOING ON AND ABOUT THESE FRAUDULENT INQUIRIES AND WHY I CANT EVEN LOCK MY CREDIT REPORT AND THEY TELL ME THERE IS NOTHING THEY CAN DO ABOUT IT I WANT ALL THESE INQUIRIES STOPPED BY LAW WITH PROOF OF POLICE REPORT AND IDENTITY THEFT REPORT THE ARE SUPPOSED TO REMOVE THESE FRAUDULENT INQUIRIES AND HELP ME LOCK MY REPORT
Consumer complaint received 2021-10-30
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (OH)

On XX/XX/2021 I open a Citi Priority Checking Account with Citi Bank. The terms was for me to deposit {$50000.00} into this account and maintain that amount for 60 days to receive program rewards of {$700.00} dollars. I comply for 4 mounts until closing the account on XXXX of 2021, due to customer service told me on two different occasion that I would receive the program rewards of {$700.00} dollars on XX/XX/XXXX and XX/XX/XXXX of 2021 which I acknowledge I was being lied too by their customer services. Therefore I file a compliant with Citi Bank regarding this matter and was told by their investigation department that I did not qualify for the program reward. Upon opening this account I was charged ATM fees of {$3.00} dollars on two occasion and never reimbursed nor was I provided a code number to activate the program rewards for the Citi Priority checking account and not provided any welcome packet to understand my legal rights nor the terms. I fell that I was taken advantage of due to the fact I maintain {$50000.00} for more than 60 days and lied to on serval occasion nor reimbursed for ATM fees totaling {$7.00} dollars. XXXX XXXX score was never consistence with the three Credit Bureau as today.
Consumer complaint received 2020-10-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (CO)

I applied for a Citibank XXXX XXXX credit card several months ago. 

I never received the card, and after three calls asking for new plastic, and still not receiving the card I tried to cancel the card.

Today I got a statement via email several months after the cancellation call. They never cancelled the card - and it's still showing as active despite assurances the card was cancelled.

It seems I'm 4/4 out of attempts to try and work with CitiBank to get this card closed but the reps constantly manipulate me away from closing the card or flat out lie about actions taken on the card. I've had it with Citi and don't want to do business with them anymore.
Consumer complaint received 2021-10-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: U.S. BANCORP (CA)

Elan Financial keeps charging me for a fraudulent account never authorized by me. In their response, they claim that the address and phone number verify to me. However, I have never had this XXXX phone number nor have I ever lived at the address on the application. Someone has used my social to open fraudulent accounts and phone numbers. 

Additionally, the application had an incorrect last name, which I have never used. The email address and employer also is not my real information.
Consumer complaint received 2019-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have called capital one card multiple times as they are charging me 24.99 % interest and I am drowning in debt. They refuse to help me at all. I am having issues with medical bills and can't catch up and barely making payments. This is an abusive practice and they won't help me. Please help me I beg you.
Consumer complaint received 2021-10-30
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. (TX)

XXXX, I was approved for a line of credit for XXXX XXXX CREDIT CARD SERVICES. XXXX XXXX CREDIT SERVICES failed to clearly disclose my finance charge in the transaction, which is required pursuant to 15 USC 1605. XXXX XXXX CREDIT CARD SERVICES is also ignoring my right to rescind the fraudulent contract they provided me. A credit application or statement is not verification of debt! Verification is disclosing who the original creditor is and Im the original creditor. This is my 2nd attempt to resolve this situation. XX/XX/2021, I order a cease and desist and sent a letter to verify who is the original creditor, but XXXX XXXX CREDIT SERVICES defaulted on the letter. I am the original creditor and consumer. No code in Federal law states that a consumer must pay a monthly statement or bill. XXXX XXXX CREDIT SERVICES is in violation of 15 USC 1692e for the use of false, deceptive, and misleading information to collect a debt from me the that I dont owe. Monthly statements sent to me from XXXX XXXX CREDIT SEVICES contain positive balances which is false and deceptive. 15 USC 1692b ( 2 ) states that you can not state a consumer owes any debt. Im a consumer and the original creditor who extended the credit to XXXX XXXX CREDIT SERVICES with my credit card in exchange for credit. Also, my card is froze and unauthorized information has been added to my credit report. 15 U.S.C. 1681b ( 2 ) states that consumer reporting agencies shall not report any information unless the consumer gives written instruction to do so. I haven't given any written consent to report anything positive or negative on my consumer report and DEMAND it to be REMOVED IMMEDIATELY.
Consumer complaint received 2021-10-30
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CONTRACT CALLERS INC (PA)

I was evicted from my apartment on XX/XX/2020. I was served the lockout notice on XX/XX/2020. On XX/XX/2020 I was incarcerated in XXXX XXXX XXXX for a XXXX and then transferred to XXXX. I got out on XX/XX/2020. By the time I got out, someone else was already renting the apartment I was living in prior. I contacted XXXX XXXX XXXX to advise that I was evicted back in XXXX and that someone else lived there now because they were still charging me. I was told it did not matter who lived there because I never called to shut off service and that I owe everything up until the day I contacted them. I explained that I had no way of contacting them due to my incarceration and offered to send them all the paperwork showing my eviction and incarceration as well as my XXXX  completion. They did not care. 
They have now sent this bill to collections with Contract Callers. I attempted to contact them to work out a settlement but they won't budge. I should not owe anything on this account after XX/XX/2020.
Consumer complaint received 2020-05-31
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. (OH)

I requested Validation of Debt for the following accounts : XXXX XXXX XXXX : XXXX ; XXXX ; XXXX ; XXXX XXXX XXXX  : XXXX XXXX XXXX : XXXX XXXX  responded back and stayed they would not investigate because the compliant was not completed by myself, which not true. This a stall tactic they are using and not conducting the investigation. How can they say it was not ME whom submitted the compliant?
Consumer complaint received 2020-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (NY)

this involves chase ink card it all happen back in XXXX of 2020 when my business was mandatory shut down but the governor of new york my company was closed for 4 months with no income, chase ink offered me a 3 month forbearance plan, all good till then after the 3 months they gave me another fornberance plan but they never told me it was a month to month basis, all of the sudden i get a bill for {$2600.00} with late fees and interest charge and they reported my credit bureaus 30 days late when i found out i called them and they said they would put me on a 60month payment plan and once i made my first payment and accept the terms all this would go back to normal as of now i have made 2 payments and credit bureau is showing 120 days late if i knew this was going to happen i would if kept making my small minimum payment every month i had a XXXX credit score now because of them i have a XXXX credit score i don't think its fair what they did to me
Consumer complaint received 2020-05-31
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: DISCOVER BANK (FL)

I have Discovery Credit Card for almost 3 years and I find out several charges to my account, charges the I never authorized. I contact Discovery and reported those transactions one for a company XXXX XXXX a membership they start deducting every month for several months {$49.00} and the other transactions are a membership from XXXX for the amounts of {$13.00} for several months also. When I found out I contactDiscovery  and reported, they send me new card but Never stop the NOT authorized transactions. They say they investigated but they asume the transactions are valid???? Im the customer and I never authorized those transaction, was a fraud transactions and Discovery dont protect customers against fraud. I stop the card to prevent more transactions go to my account, I lost a lot money because Discovery doesnt protect my credit allowing fraud transactions and I never stop making payments,