davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (NC)

I have been a Coinbase customer since XXXX. Since that time, I have had no issues with my account. On XX/XX/XXXX, Coinbase locked me out of my account for no reason, and did not send me an email to tell me that it was doing so. On XX/XX/XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, of XXXX I called Coinbase and they informed me that I would need to complete identity verification by sending in a photo of myself which included a picture of my ID and a note stating " FOR COINBASE AUTHORIZATION. '' I did what was requested and then I got no response. I called Coinbase again, and they put me on hold 4 times, and told me to expect a follow up email. An email had not been received after 24 hours. I called Coinbase again, again was told to wait for an email from the escalation team. At this point I have done what has been requested of me to do. I want Coinbase to restore my account. It should not be this difficult or time consuming to get identify verification completed. As well, I use my Coinbase for regular purchases and it is my primary means of payment, without it, I am without my capability to pay for things I normally purchase. Coinbase has shown no sense of urgency to restore my account so that I may continue doing my business as normal. They have denied me to delete my banking account information or have access to my funds
Consumer complaint received 2022-09-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A. (GA)

Compass Bank Viloated my rights by sharing information with out my consent And Per FCRA and GRamma Leach Bliley act The Gramm-Leach-Bliley Act requires you to develop privacy practice and policies and detail how you collect, sell, share and reuse consumer information. Also, consumers must be giving the option to decide which information, if any, a company is permitted to disclose or retain for future use. 

Pursuant to Fair Credit Act section 15 U.S.C 1681 ( a ) ( XXXX ) Infringed Upon a Consumers right to Privacy section 611. Procedure in case of Disputed accuracy [ 15 U.S.C. 1681 ] Section 5, 15 U.S.C 1681b-Permissible Purposes of Consumer reports. There was no order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with the proceedings before a Federal Grand Jury or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. In accordance with the written instructions of the consumer to whom it relates.
Consumer complaint received 2022-09-22
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

On XX/XX/XXXX, I closed on a HELOC with Citizens Bank, during that process, I was required to pay a XXXX loan off ( around {$25000.00} ) which wasn't a problem since I wanted to pay that off with the proceeds. At the time of closing, I was told that the bank would handle the disbursement check and overnight the check and payoff/termination letter on my behalf since it was a required payoff by underwriting. The disbursement date was XX/XX/XXXX and the check should have been received XX/XX/XXXX. My payment was due on XX/XX/XXXX which was a Saturday and I waited until Monday XX/XX/XXXX to call XXXX to see if they had received the payment which they still hadn't. I was advised by XXXX to obtain the check number and dollar amount as well as the address it was mailed to so they could check in their lockbox. I didn't have any of that information since it was a controlled payoff, I had to call Citizens to get it. When I called to get the information on XX/XX/XXXX, I was bounced around to a few different departments and then got someone who said she was going to order it and told to call back in a day or so. I called today on XX/XX/XXXX and was told that information isn't available because the backoffice didn't upload it. I asked for the payoff amount and was told that isn't in the loan file and also asked for the termination letter that I signed and was told that wasn't available either. The issue I have is this is deceptive practices since I was told that they would handle the payoff and now no one can tell me anything about the check but I'm paying interest on both loans. I have no proof the payment was sent or what address or account it will be credited to. I was also not given any copies of the payoff or paydown letters at the time closing to refer back to in the event this situation would arise. 

I asked for my request to be escalated so someone can " connect '' with the backoffice to get this information and again, was told that I had to call back in XXXX days once the images were available which is what I was told on XX/XX/XXXX but yet that this can't be located because it wasn't uploaded. There is no sense of urgency around trying to locate a $ XXXX check or tracking information and I was told on XX/XX/XXXX that I should wait 7 - 10 additional days before requesting a stop payment even though the check was overnighted.
Consumer complaint received 2022-09-22
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (WI)

I sent out letters on XX/XX/22 disputing inaccurate information from my consumer credit report regarding accounts that I'm not familiar with. I still haven't gotten a response or any mail concerning my disputes which I am concerned about I read a law that stated these accounts are in violation of Section 623 ( e ) I read a book learning the FCRA prohibits information furnishers from providing information to a credit reporting agency that they know or have reasonable cause to believe is inaccurate. This is also another violation I thought the credit bureaus had 30 days to respond my consumer rights have been violated its been well over 30 days and per fcra, these accounts should be deleted immediately. These violations have caused me XXXX and the amount of time I can't get back trying to figure out why the bureaus violated my consumer rights I feel as tho they have played with my emotions and time. These accounts are illegally reporting and hurting my consumer report which is causing my life XXXX
Consumer complaint received 2021-02-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CA)

Opened an account with Wells Fargo online, Max initial deposit limit is {$500.00}. This initial deposit of {$500.00} was transferred from my primary bank ( XXXX XXXX XXXX ) to my new Wells Fargo account with no issues on XX/XX/2021. 
Three days later on XX/XX/2021 after my initial deposit posted in my Wells Fargo account I transferred {$2000.00} from the same XXXX XXXX XXXX account into my new Wells Fargo account. Unlike the initial deposit this transfer was flagged by the fraud department at Wells Fargo. I was notified of this issue by a Wells Fargo fraud agent ( at least that's what he claimed to be ) via a phone call on the evening of the XX/XX/XXXX or XXXX 2021. I informed this person that I was not going to answer any questions about my account to an unsolicited phone call and to inform me of any suspected issues via email and I would call him back. The next day my online account was frozen by Wells Fargo and a hold was placed on the {$2000.00} dollar transfer. 
Since then I've spent approximately 10-15 hours on the phone with Wells Fargo and have taken time off of work to meet with a banker ( Covid regs require an appointment ) in a completely different town because of no available appointments for 6 weeks in my town. 
It is now XX/XX/2021 and I still have no idea where my {$2000.00} dollars are.. Wells Fargo claims they sent the {$2000.00} back to XXXX XXXX XXXX XX/XX/2021 and the issue is XXXX XXXX XXXX and XXXX claims Wells Fargo never sent it back and its Wells Fargo 's fault. Thank XXXX I'm not living paycheck to paycheck or I'd be living on the street.. Any assistance would be greatly appreciated. Thank you in advance. 
BTW we've been members with XXXX XXXX XXXX for 40 years and they have offered no help.
Consumer complaint received 2020-08-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (NY)

I applied for a second Wells Fargo credit card. The application was denied because I did not have on-time payments with Wells Fargo, and the account was not " paid as agreed. '' This is not true. I was enrolled in XXXX related payment assistance, but did this to avoid interest accruing while I was unemployed. I still made payments every month to the account equal to or greater than my previous minimum payment. Additionally, according to XXXX  and XXXX, both of my Wells Fargo accounts are in the status " Paid_As_Agreed. ''
Consumer complaint received 2024-11-27
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Smart Money Capital, LLC (NY)

I am XXXX, XXXX XXXX, XXXX XXXX service member in the XXXX XXXX, received a mail today from Smartmoneycapital that I am eligible for a loan with low interest rates. 

I applied online and received a call from XXXX XXXX XXXX. He literally talked me into applying for Economic hardship program with some third party XXXX legal group when I told him over phone recorded line, I am not in Economic hardship, and once enrolled he asked me to stop payments to my clients without fully explaining impacts of it. 

I am not sure what is going on with Smartmoneycapital or XXXX legal group? 

The funniest part of the agreement is if the CREDITOR/ bank sues me for not making payments, I will have to pay for the court fees for cardoba group , which XXXX XXXX XXXX XXXX did not find it important to mention over phone.
Consumer complaint received 2020-07-28
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: EQUIFAX, INC. (MO)

On XX/XX/XXXX, I tried to download all three of my credit reports through the XXXX website. According to my records, the last time I had done so was XX/XX/XXXX. I was motivated to do so partly because it had been so long since I had last looked at my reports but more because a friend of mine was complaining about the unevenness of his recent experiences unfreezing his accounts. 

Indeed, while I had no difficulty accomplishing the online process of obtaining my reports from XXXX   and XXXX I ran into difficulties only with the series of identity questions posed by Equifax. This agency seems to expect a formidable amount of esoteric knowledge of one 's personal credit/financial background in order to pass the test to obtain the online report that the government requires it to provide to consumers. 

I am, of course, aware of the difficulties Equifax encountered in XXXX because it did not have adequate data security systems in place. However, it does not seem appropriate to me that the proper response to those problems should be to place greater obstacles in the way of consumer 's obtaining the " services '' that Equifax was supposedly created to provide. If they are not capable of performing these services with the same ease for consumers that their competitors do, perhaps it is time for them to retire from the business.
Consumer complaint received 2020-07-28
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: Resurgent Capital Services L.P. (LA)

I had my credit report recently pulled, and there were multiple duplicates I've already reported, then there were 4 other companies on my credit report that ive never done any business with. 
XXXX # XXXX XXXX XXXX XXXX # XXXX LVNV FUNDING LLC # XXXX XXXX XXXX # XXXX I've never did any business with these companies.
Consumer complaint received 2020-07-28
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: Experian Information Solutions Inc. (AR)

I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX XXXX XXXX XXXX {$4500.00} XXXX XXXX XXXX {$2100.00} XXXX XXXX {$1600.00} XXXX XXXX XXXX {$2100.00}
Consumer complaint received 2020-07-28
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. (AR)

I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX XXXX XXXX XXXX {$4500.00} XXXX XXXX  XXXX {$2100.00} XXXX XXXX {$1600.00} XXXX XXXX XXXX {$2100.00}
Consumer complaint received 2021-04-28
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. (TX)

4 independent complaints filed via this site. 

Vehicle lease from JPMC XXXX XXXX was reporters past due in error by JPMC for months in XX/XX/XXXX. Long story short they were unable to find the source of the problem causing account to show past due. 

Months later JPMG offered to take back vehicle early and delete credit profile from record as a concession. This was accepted abs vehicle returned XX/XX/XXXX JPMC has failed to update and remove from record as promised. 

I have attempted 16 times to escalate this matter to XXXX XXXX manager at Chase with no success. My calls, emails abs written communication is not responded to. This has been going on over a year with no resolution. 

Account should reflect closed and paid or be removed all together from my credit files.
Consumer complaint received 2020-07-28
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: MCLEAN MORTGAGE CORPORATION (FL)

I live in Florida and my mortgage company is located in Virginia. I have a construction loan that is at the end of the final draw. {$45000.00} is 10 % of the {$450000.00} loan that's being held. Every time I have had a concern or issue with the builder I have addressed it with my lender. It got to a point where they got fed up with me always complaining about the suspected fraud and concerns for the third party company they hired to inspect my home. I have brought up my concerns about this company and not in agreeance with them approving certain draws but they told me that it doesn't matter that at the end I will have the final say and 10 % will be held and to let the builder do his job. It's been two years of dealing with this nightmare. I confided in them, trusted them to act in my best interest but they have completely disregarded everything I have told them -- like the builder defrauding them, misallocation of construction funds, plans submitted to them do not reflect draws they have authorized, draws that their inspector approved as 100 % complete, not complete. I was advised that 10 % would be held until CO, lien waivers, final walkthrough, and all final inspections pass by the county but I recently received an e-mail from them advising that  the house is 100 % complete when none of the inspections have passed, CO not complete, and survey not done. The construction loan matured several months ago but its no fault of mine. They granted extensions due to the significant issues at hand but refuse to talk with me over the phone. I am concerned that they are maliciously trying to approve my final loan without getting lien waivers ... another concern I brought up on multiple occasions.. subcontractors not paid for the work they did on my house. I just want answers. I've never been through this process and completely trusted that they would act in my best interest to guide me through it all and they have done nothing to help get this loan closed. I have paid interest totaling over $ XXXX! The last e-mail I sent was on XX/XX/2020 requesting information about closing, releases of liens, a phone call to me, requested to be the point of contact for the appraiser but to date, no one has reached out to me. Am I not entitled to call? Am I not entitled to have my loan transferred? Am I not entitled to exercise my legal right and demand answers? How can they just refuse to talk on the phone? It's a shame that I have to specifically indicate in each e-mail that my conversations are to be kept in confidence. Because if I don't then they run off and call my builder letting him know I've complained once again which worsens things between me and the builder. I can't even keep a conversation between myself and the lender in confidence. The biggest mistake I made was trusting a company not located in Florida.
Consumer complaint received 2020-07-28
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. (LA)

I have duplicates from student loans they have listed 4 original loans listed as 12 loans Dept education XXXX is listed twice Dept education XXXX is listed twice Dept education XXXX is listed twice Dept education XXXX is listed five times but it is originally one loan XXXX XXXX is a medical bill, it is illegal and a violation of my hippa rights to post my medical information on my chart and it's illegal to post duplicates I only have 4 original loan documents I even have addresses that are duplicates XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX
Consumer complaint received 2020-07-28
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. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including XXXX bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name DPT ED XXXX XXXX {$420.00} DPT ED XXXX XXXX {$14000.00XXXX XXXX XXXX XXXXXXXX {$420.00} XXXX    XXXX {$740.00} WXXXX XXXX XXXXXXXX {$460.00}
Consumer complaint received 2020-07-28
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: Experian Information Solutions Inc. (AR)

I was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts.
Consumer complaint received 2021-04-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: U.S. BANCORP (CA)

A rent check for {$15000.00} to our landlord originating from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA was mailed to him XXXX XXXX. The landlord never received it ( we had successfully Mailed 35 monthly checks to him up to this time ). This check was dropped off at the post office for mailing. This check was stolen and used to open a fraudulent account at US Bank XXXX XXXX XXXX, XXXX CA XXXX.The criminal used a driver 's license and social security to open the account. It was opened online. Once the check was deposited, the money was withdrawn fraudulently. 
XXXX XXXX, acting branch manager at US bank, acknowledged this was a fraudulent transaction on XXXXClaim reference # XXXX XXXX This Fraudulent transaction has been reported to XXXX at XXXX XXXX Fraud Dept . XXXX, claim # 2020 XXXX. 
This was report XX/XX/2020 to XXXX Police Dept, and to XXXX County DA office XX/XX/2020 We have met with resistance getting reimbursed from either Bank. 
Your Help would be greatly appreciated. 
XXXX XXXX XXXX
Consumer complaint received 2020-07-28
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: EQUIFAX, INC. (FL)

I am very distressed that you have included the below information in my credit profile due to its damaging effects on my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently which was highly embarrassing and has negatively impacted my lifestyle.
Consumer complaint received 2022-03-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AutoNation Enterprises Incorporated (CA)

CIG financial is practicing very deceptive and unlawful credit reporting and debt collection practices. 

In the last 6weeks this company has published very controversial, contradictory and fraudulent information to the consumer credit report ( please see attached exhibits ). 

There has been a serious of updates and removal of late payments, followed by the reinsertion of of these false claims, that I'm in debt to this corporation. This company was paid using an open end consumer plan and was paid the day I left the lot. 

Yet, CIG continues these abusive antics in attempt to force me to pay FEDERAL RESERVE NOTES for a 'debt ' : WHICH IS COMPLETELY UNLAWFUL yesterday, CIG Updated the credit report claiming this account is again delinquent. Just last week, this company removed all past due payment history and stated that account has been paid These practices are deceptive, unlawful, and extremely damaging. Please help, I've tried disputes, would like to save the time and energy that will be required to litigate and WIN I'm court.