davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MA)

I have been a victim of identify theft since during XXXX  in 2020, I have been trying to get this issue resolved. I've submitted police reports, FTC report, license and various other information. 

XXXX, Equifax and XXXX have not blocked the information off my report as required by law. 

I have attached all the documents again to this complaint.
Consumer complaint received 2020-08-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (TX)

On XX/XX/XXXX, I received a text that my Coinbase password had been changed and if I did not do this to call. I called and froze my account. A couple days later someone called asking me to send in my ID and provide authorization code to authorize my account. They told me my account was closed and secure. A few days later I was able to change my password and log in. When I logged in I notice over 22k of XRP coin was taken from the account. I reached out to coinbase to tell them and they froze my account again. Since then I can not get a response from them. They do not answer the phone and only allow for messages they will not return. I have messaged multiple times for them to follow up and no one is responding.
Consumer complaint received 2020-08-27
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: EQUIFAX, INC. (CA)

This is crazy guys. I just filed a complaint against Equifax three days ago about not being able to obtain my report for numerous reasons. I explained how I'm about to lose my home in escrow and thousands of dollars in deposit, inspection, and appraisal fees. I described all the steps I took in trying to have Equifax release my credit report or remove a freeze or a XXXX  alert from my credit report so the loan officer can obtain a copy. I even provided a copy of everything I have done to have Equifax release my report such as provided faxed letters to Equifax, e-mails to a data furnisher named XXXX, responses from Equifax, and even a copy of my license and social security card. So what does Equifax do in their response back to me? They tell me to provide a copy of my driver 's license and social security card ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... .. 

I'm sorry for the the overly exaggerated ellipsis but then again I'm not. Do they think I'm XXXX? Or are they feigning stupidity and incompetence? Why would they ask me to provide documents I already provided to them numerous times including through your portal unless they were purposefully attempting to agitate me and give me the proverbial finger? This is proof of exactly what I complained to you about. They DON'T CARE and are purposefully negating my lender from obtaining a credit report and therefore purposefully and willingly impeding me from closing on my home. I honestly don't even know if their response to me from this complaint will be in time to close escrow. Escrow has already been extended on multiple occasions and there won't be anymore extensions. I also don't have time to mail in my response and wait for their mailed response back to me as they wanted me to do in their asinine response to me. Please help me. I'm begging you. I don't want to lose this house because of Equifax 's incompetence.
Consumer complaint received 2021-04-15
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: SYNCHRONY FINANCIAL (PA)

I had Lowes come to my home to measure for carpeting install. The estimator observed and measured the areas of my living room and stairways that we were looking to replace carpeting. He observed the contents of the rooms and the fact that a medical stairlift was in place on the stairway. He advised that the installers would move the furniture and " work around '' the stair lift brackets. The carpeting was ordered and a deposit of approximately {$2000.00} was required. I made the payment and placed the order. Once the carpeting was " in '' I was contacted by Lowes to schedule the install. The date was agreed and the installers arrived at the scheduled time. 

Upon arrival the installers observed the stairlift and living room furniture. They advised that they would not be able to complete the install until the lift was removed and the furniture was removed. I explained that I am XXXX years old and in no condition to move furniture and that the estimator was aware of the contents of the room and indicated the installers would take care of " everything. '' After several minutes of discussions, the installers left and took the carpeting with them. I attempted to follow up with Lowes via phone and driving to the store in person. After repeated failed attempts, I submitted a dispute with XXXX  XXXX XXXX. After 40 days, I am still awaiting my statement credit and refund. Lowes has reluctantly offered to come back with a different crew of installers. As an elderly person who was verbally harassed by the first crew, I am not comfortable allowing anyone from Lowes into my home. I have requested a refund as it was Lowes who walked out of my home without installing any carpeting. Once they " quit '' and walked out, I am no longer a customer. I expect XXXX  XXXX XXXX to resolve this dispute and unfortunately getting a live person or any material updates is impossible. I am seeking my refund due immediately. I will be filing a complaint with the XXXX  and AG office for state of Pennsylvania.
Consumer complaint received 2020-05-23
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: U.S. BANCORP (NJ)

I previously wrote you about my credit card company not honoring my dispute in not paying for incomplete work done on the air conditioning system in my XXXX XXXX XXXX by XXXX XXXX XXXX. They responded stating that they sent me a request for a third party statement. 

First of all it took them two months not to honor my dispute. If they took the time to review all the information sent to them they would have noted that on XXXX XXXX my car was returned to them for the second time. They kept the car over night and that is when they discovered a leak in the EVAPORATOR which they admitted they didn't bother to check the first time because it would have involved further inspection. ( this information was clearly stated on their worksheet of XX/XX/2019 for which they wanted to charge me an additional {$900.00} in addition to the initial {$1500.00} previously charged. 

Furthermore, why would I have to get a third party opinion ( totally absurd ) when the evidence clearly shows that they were negligent in not thoroughly checking the air condition system. There was other evidence information that they received that I would have had to send under separate cover. 

Please be further advised that In spite of the fact that this matter is presently being disputed against XXXX XXXX XXXX. U.S. Bank has violated my rights as a consumer by reporting me to various credit agencies as a bad risk after having excellent credit for some 29 years. They are also billing me for the disputed Charge of {$1500.00}. Meanwhile, I am still paying the other charges which I have accrued. They told me to take it up with XXXX XXXX XXXX which is presently being disputed. Why then are they billing me for a dispute which they have refused to honor.
Consumer complaint received 2019-08-02
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Trans union XXXX XXXX all have failed to do a proper investigation about a bankruptcy on my credit report. Ive tried several attempts and yet no changes have been made. Ive went as far as contacting a bankruptcy court and they said they do not give out information to third party vendors such as credit bureaus.
Consumer complaint received 2020-08-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

Citi closed my consumer credit card account without providing any notice or reason. The account is in good standing and not frequently used. I believe this could be retaliation for a previous CFPB compliant I filed against Citi.
Consumer complaint received 2020-07-06
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: WELLS FARGO & COMPANY (PA)

I XXXX XXXX received a pre approval for a personal line of credit at Wells Fargo XXXX XXXX XXXX XXXX, pa XXXX the bank would not disclose my pre approval and did not follow bank policy. I have great credit and just want fair treatment for the request made.
Consumer complaint received 2020-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (UT)

My complaint is lack of service. I Tried to call them on XX/XX/20 about a {$27.00} late fee but they only have a recorded message and automated system. They should be fully staffed even during COVID. My company has their customer service people taking calls from home. It is ridiculous that you can not contact a company to discuss a problem. 

I have been a loyal customer for years. I missed making a payment due to too many emails. I wanted to ask them to credit the late fee and how to stop all of their emails other than the ones with my statement. I also wanted to know if I could set up notifications to alert me that a payment is due. They send one email with your statement and that is it. They also send emails about rewards and other things that I ignore. I ignored the statement by mistake. 

They did not even send an email that I had missed my payment. I discovered it on my own. 

My hours have been cut back due to COVID and I am struggling to make necessary payments and not ridiculous late fees. I am not a deadbeat.
Consumer complaint received 2020-05-23
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: WELLS FARGO & COMPANY (GA)

According to my most recent credit report, XXXX and XXXX are currently reporting that I applied for credit with the companies that I'm not aware of. I did not grant them authorization to review my credit report.
Consumer complaint received 2022-12-28
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (MD)

Citibank XXXX services requires that I activate my retirement account in order to roll it over into another institution. This is they make the account activation process almost impossible to complete successfully without require to provide them with an extensive amount of sensitive PII information. They have received my drivers license, employee information details, bill payments details and all the personal information they require in the form including tax information. All of this so I close an account I no longer want. Now they are asking for my Social Security Card which I dont feel comfortable providing because multiple of the customer reps I've spoken weren't able to tell me how they securely handle my private information to prevent compromise. It has been 67+ Calendar days since it started this request with no resolution. 

XXXX XXXXContact CitiBank XXXX XXXX and provided the following documents : XXXX Driver License Account Application form XXXX 24-Resent the following document again Ref Letter Application Form XXXX Drivers License XXXX XXXXRequest confirmation of Receipt with not response XXXX XXXX-Resent Documents again for 3rd time Ref Letter Application Form XXXX Drivers License XXXX XXXX Resent Documents again for 4th time Ref Letter Application Form XXXX Drivers License XXXX XXXXReceived request for additional Documentation Documents provided Previous Year XXXX Water utility bill Ref Letter
Consumer complaint received 2020-05-22
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. (MD)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 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, U S DEPT OF ED/XXXX. 
Company Inquiries XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX/XXXX  XXXX/XXXX XXXX  XXXX  XXXX XXXX XXXX  XXXX  ACCT XXXX XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2020-05-22
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: SYNCHRONY FINANCIAL (FL)

I'm not sure how but I believe someone has been trying to use my identity to apply for new credit lines. I reached out to SYNCB to get the inquire removed but, they haven't resolved the matter.
Consumer complaint received 2019-08-02
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: CAPITAL ONE FINANCIAL CORPORATION (MI)

During the month of XXXX I have received 4 various XXXX XXXX credit cards taken out in my name that I did not apply for. I have spoken with XXXX XXXX and the cards have been closed. On XX/XX/2019 I received notification that a hard inquiry from Capital One was made to both XXXX   and XXXX. I DID NOT make this inquiry or have any part in this. I am actually in XXXX on vacation and have been since XX/XX/2019. I have worked very hard to maintain good credit and am very concerned. I am unsure how to proceed with this issue and would greatly appreciate any suggestions on how to resolve this problem. 

Thank you.
Consumer complaint received 2020-08-27
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MN)

I instructed XXXX. XXXX  to pay LoanCare {$920.00} on XXXX XX/XX/2020 to be received on XXXX XX/XX/2020. My payment cleared my XXXX. XXXX  checking account on XXXX XX/XX/2020. LoanCare failed to credit my account. I requested that XXXX. XXXX  fax proof of payment to LoanCare via LoanCare Collections at XXXX. This was accomplished on XXXX XX/XX/2020.
Consumer complaint received 2020-07-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Certegy Holdings, LLC (TX)

Certegy Check Services did not OK an attempted check payment for {$210.00} at XXXX on XX/XX/2020, in XXXX Texas. When contacting this service I was informed that verification data required was not given. This happened because the store clerk at XXXX was unsure what bar code to scan from my drivers licence and I guess he scan the wrong area. Fine, after looking at my drivers licence, I would have been confused also. However, a few days later I was notified that my credit score was lowered 17 points. For sure, there was no other reason for my credit score to drop. I maintain a very high checking account balance and all my bills are paid before due dates.
Consumer complaint received 2020-07-06
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

I have sent a letter on XX/XX/XXXX to dispute inaccurate information on my credit report and it has been past 30 days and I have yet to receive a response. I have also sent an additional demand letter on XX/XX/XXXX requesting they follow up and still have not received any feedback and to the issues, I am having. I am a victim of identity theft and, someone has been utilizing my name, which prompted me to dispute the items on my report in the letter.
Consumer complaint received 2019-07-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (TN)

Requested mortgage assistance with my current Mortgage company several times. 
we received decision of request for mortgage assistance stating we were denied for several credit reasons and loan was modified once in the last 12 months or 3 times over the life of the loan set fourth by the owner of the loan. Their mortgage servicing records are incorrect, we have not received mortgage assistance with the last 12 months nor has the loan been modified 3 times. We have requested from Ocwen/PHH the note, deed and transaction history on our mortgage. We don't want to lose our home Ocwen is very difficult to work with and is unwilling to assist us. 

Please Help
Consumer complaint received 2021-04-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

Chase bank has unilaterally decided to lock my access to my online accounts due to alleged suspicious activity ( however there has been NO suspicious activity ). The bank failed to notify me of the purported suspicious activity or their locking of my account. The only way I discovered that I had been locked out was when I needed to make an urgent transfer ( my son is in desperate need of funds ) and I got an error message on the website that said to call the bank because my account had been locked. I called the number it said I needed to call ( it was just the generic bank phone number ). I went through every option available- but every option said the bank is closed, call back when customer service is open, even for reporting fraud. It is XXXX weekend, so I must now wait several days to get someone. It is also tax time and I need to access my account for that as well. I kept calling and calling every Chase phone number I could find on the internet with no luck. I finally got a person on the credit card fraud line, but they said they could not open my business account, only my personal account. They helped me do this, but the account prohibited me from making any payments or transfers, so it was useless.
Consumer complaint received 2020-07-06
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. (NJ)

I was billed {$38.00} by XXXX on my XXXX statement from Chase Visa. I contacted Chase Visa shortly thereafter to dispute the charge. The charge resulted from misleading advertising and was for a product I am unable to access in any event. I have contacted the firm to request their ceasing to bill me, but I have received no reply. The charge has appeared on the next statement.
Consumer complaint received 2020-05-22
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. (CA)

I saw an account from XXXX appearing on my credit report today XX/XX/20 ; The only reason I was checking my report is because I am going to trade in my car in the next month or so. That account does not belong to me and I didn't allow anyone to open it using my personal/confidential information. I don't know who is responsible for this but I have already filed a police report. I did not benefit anything form this account being open in my name nor did I ever make any payments towards this account. I am not affiliated to that company in any way and I never gave them permission to access my credit information. I have filed a complaint with the Consumer Financial Protection Bureau regarding this unauthorized account.
Consumer complaint received 2019-08-02
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (MA)

this is a HELOC with a Separate account number NOT IN LITIGATION. JP Morgan Chase Bank, NA, I believe is trying to merge the first mortgage ( in litigation ) with this HELOC NOT IN LITIGATION by making the new investor the same collections as the first that is in litigation. This is an attempt to merge the HELOC NOT in litigation with the primary that is in litigation. TWO SEPARATE ACCOUNTS. Now JP Morgan Chase Bank NA is trying to illegally merge the two accounts in effort to commit acts of wrongful/illegal? banking practices.

Please see attached showing two separate accounts being merged when the servicer of the primary mortgage Now Claims to be the new investor of the separate HELOC Not in litigation ... PLEASE SEE ALL ATTACHED!
Consumer complaint received 2022-05-24
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: CORELOGIC INC (KY)

In accordance with the Fair Credit Reporting act XXXX Account, 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 2021-09-06
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. (NY)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court