davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (TX)

My account was hacked into and Chase bank refunded my amount then they got back to me saying I was not liable for any fraud. About a month later I see Chase Bank took Money from my account contacted them and they stated to me that i was responsible to pay amounts for fraud due to a chip being used i was a victim of identity theft. Chase Bank has not reached out to me then my account became negative due to them taking money out my account. I had to change my account number 2 x and still i called and the customer service department clearly told me we are not refunding money back to you I spoke to managers who told me they made a mistake in refunding money back to me.
Consumer complaint received 2018-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (VA)

I opened the Chase XXXX XXXX  Rapid Rewards account through a link on the XXXX website on XX/XX/2018 and bought my ticket immediately after opening it. I was lured by the offer of a {$200.00} statement credit right away and then {$50000.00} XXXX  Rewards points if I spent at least {$2000.00} in the first 3 months. I did receive the statement credit on my first bill and I spent {$2200.00} in the first 3 months, at which point I figured I'd get a " congratulations, you earned your bonus '' note or something. Since I didn't, on XX/XX/XXXX I contacted Chase via the Secure Messaging function in my online account to ask when I would get the XXXX  Rewards Points. They told me I'd been offered XXXX  Rewards Points after charging {$500.00} to my card, and that those points had been deposited in my XXXX  account ( which they were ). When I said their records were wrong - I'd signed up for a different offer - they said no, they weren't wrong unless I could prove what I was offered. Of course I can't prove anything - I didn't have the foresight to take screen shots as I was applying ( though that only shows an offer was available, not that I actually applied through that offer ) and Chase pointedly doesn't document anything " because their offers change all the time. '' I can search " Chase XXXX XXXX  Rewards Points '' and find several websites from between XX/XX/XXXX and XX/XX/XXXX that refer to the bonus offer - so I know it WAS an offer that was available at the time I opened my account, and I know I would not have put over {$2000.00} on my Chase card without that incentive ( I would've opted for cash back on a different card ), but Chase ensures that there's no way for a consumer to prove what s/he was offered at the time of the credit card application.
Consumer complaint received 2018-07-21
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. (MI)

Yes I checked my credit score and one minute it's XXXX then I checked it again it's XXXX I don't know why I can't get a aquired report from these creditor 's
Consumer complaint received 2018-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I have several loans that I consolidated from XXXX to XXXX. There is one loan remaining with XXXX that has not been moved that is causing my credit score to continue to drop. Loan # XXXX. This loan is being recorded as joint. IN XX/XX/XXXX, my ex spouse and I were trying to consolidate his XXXX loan and my loan with XXXX. We were told that we could not consolidate the loan because his loan was in default. However, my loan was placed into his name. For nearly 20 years we have disputed this and have gotten NO results. They have constantly reported negatively on my credit report and his. Just recently, I spoke to XXXX at XXXX XX/XX/XXXX. She said she was going to look into this as a top priority, but our credit scores has since drop down XXXX point. I need help in getting this loan out of my ex husbands name ( XXXX XXXX  ) so I can consolidate with my other loans with XXXX. This has hindered my as well as his ability to obtain credit. We need help ASAP
Consumer complaint received 2018-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (DC)

I purchased a XXXX XXXX Bed and financed it. Was told by XXXX XXXX that it would be an installment loan via XXXX XXXX. Was approved for XXXX. Synchrony is now reporting it as a credit card, which was not what I signed up for nor what was relayed by XXXX XXXX rep as I specificaly asked what type of loan this is. An installment loans reports differently vs a credit card.

XXXX XXXX Purchase Date : XX/XX/2018 XXXX XXXX Delivery Date : XX/XX/2018 Synchrony Credit Reporting Date :XX/XX/2018 Neither party ( XXXX XXXX or XXXX XXXX ) as well as the credit bureaus have corrected this despite numerous attempts to get this immediately rectified.
Consumer complaint received 2018-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (OR)

In XXXX I accidentally made my CITI VISA payment to CITI MasterCard. I realized what happen when I saw a late charge on my CITI Visa account. I immediately paid CITI Visa the {$1200.00}, then called them to explain what happen and that they would receive the payment in 2 days. I was not concerned I had made an extra payment to CITI MasterCard. Without my consent or knowledge the CITI customer service rep transferred the {$1200.00} from my CITI MasterCard account to my CITI Visa account. 
When I received my CITI MasterCard statement, it did not make any sense. When I called their customer service I was told the money had been transferred back to my bank, but they didnt know why. This turned out not to be true. The second call I was told it had been transferred to my CITI Visa account. I spent three hours between calls and going over all my accounts for verification since I could never get an honest answer from anyone. I do not have a problem how my accounts currently stand, just a problem how and why it was done.

I now owe CITI MasterCard the {$1200.00} they removed from my account, and I have a credit on my CITI Visa. It is disturbing to me that one CITI customer service call center handles all CITI bankcard accounts, they can make any changes to a customers account, and they are located in XXXX. 

CITI Double Cash Card XXXX CITI Visa
Consumer complaint received 2016-05-29
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (KS)

I was just hired on to a job. When my employer did my background check, they said that my social security number was tied to another name! I went online to the annual credit report website to get my credit reports, but I was n't able to even view them because it said there was discrepencies with my social security number! I need to get my credit report so that I can view it in order to file a police report!
Consumer complaint received 2015-11-14
Product: Credit card — 
Issue: Billing disputes — 
Company: Colony Brands, Inc. (GA)

I ordered an electric fireplace from Ginny '' s credit card. The product was defective and was retreturned and I requested my account to be refunded for payments made and credited for the defective product. 
I telephoned Ginny '' s credit department and was told that they will not refund they {$75.00} payments that were paid in XXXX XXXX, 2015 and they will hold they XXXX that I paid in XXXX for XXXX says. 
This appears to be predatory practices and theft by taking, as I have returned all products that belong to Ginny '' s due to manufacture defect, but they refuse to return my money. 
I am XXXX and XXXX and need help with this issue because Ginny '' s transferred me to there different people in different departments, all to no avail.
Consumer complaint received 2018-07-21
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. (MI)

XXXX CONTINUES TO PUBLISH THE FOLLOWING INFORMATION EVEN AFTER I INFORMED THEM THAT THIS WAS DUE TO IDENTITY THEFT WITH SUPPORTING DOCUMENTATION FROM THE USPS POSTAL INSPECTION SERVICE CRIMINAL INVESTIGATIONS DIVISION AND A SIGNED AFFIDAVIT FROM A USPS EMPLOYEE NOTING THAT SEVERAL HEALTH INSURANCE AND SOCIAL SECURITY CARDS WERE ORDERED NOT BY ME AND SENT TO MY XXXX XXXX XXXXXXXX, XXXX XXXX MI XXXX. THE ACCT # IN QUESTION ON MY XXXX CREDIT REPORT IS : XXXX. I ALSO EXPLAINED TO THAT COMPANY THAT A COURT ORDERED CONSERVATOR NAMED XXXX XXXX, A LAWYER WITH LAW OFFICE OF XXXX XXXX, WAS ASSIGNED TO ME AND FORWARDED ALL MY MAIL AND TOOK OVER ALL FINANCIAL MATTERS AND THAT I NO LONGER HAD ANY CONTROL OF MY FINANCES AND THAT INQUIRES WERE TO BE DIRECTED TO HIM. THIS CONSERVATOR MISMANAGED MY ACCOUNTS AND REFUSED TO PAY ANY OF MY CREDIT CARDS RESULTING IN ALL OF THEM BEING CANCELLED EVEN THOUGH HE HAS BILLED THE COURTS AND MY ACCOUNTS WITH HIS FEES FOR PAYING AND REVIEWING MY CREDIT CARD STATEMENTS. MY CREDIT IS IN A WRECK FROM MISMANAGEMENT AND USED TO BE IN THE 720 - 780 RANGE. SINCE I WAS NO LONGER RESPONSIBLE FOR FINANCIAL ISSUES OR DECISIONS FOLLOWING THE APPOINTMENT OF A CONSERVATOR AND LOSS TOTAL CONTROL OF THE ACCOUNT, I SHOULD NOT BE HELD RESPONSIBLE FOR CHARGES INCURRED OR CHARGED BY HIM AND THIS SHOULD BE REMOVED FROM MY CREDIT REPORT. General Account Info Report Number : XXXX Date Generated : XX/XX/XXXX Account NamesXXXX  XXXX XXXX Account NumberXXXX Account TypeCredit card ResponsibilityIndividual Date OpenedXXXX StatusAccount charged off. {$780.00} written off. {$780.00} past due as of XX/XX/XXXX. 
Status UpdatedXXXX Balance {$780.00} Balance Updated XX/XX/XXXX Recent Payment Amount $ XXXX Monthly Payment {$0.00} Credit Limit - Highest Balance {$4400.00} Terms 1 Months On Record UntilXX/XX/XXXX
Consumer complaint received 2018-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NC)

I tried to take the FTC up on their offer for a free annual credit report from all 3 companies by following the link provided, and the instructions per link. 
1. The first time I got as far as filling everything out and clicked submit. The screen went white and stayed white. I refreshed after several minutes and there was a message saying unable to do at this time, and to call the number listed XXXX to report. I did and a woman says it will take time through the mail but will only provide Equifax. 
2. I tried again and filled out everything, clicked submit, and was a message from XXXX XXXX saying it could not be done at this time because of the data received. It would not tell me what data, nor allow me a way to fix or obtain the report.
Consumer complaint received 2018-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Harris & Harris, Ltd. (AK)

I called Harris & Harris LTD and ask them to please remove the collection of XXXX dollars that is owed to XXXX XXXX XXXX in XXXX XXXX, I paid the XXXX dollars in the month of XX/XX/XXXX with a credit card from XXXX XXXX XXXX, they said I would have to contact XXXX, so I did and they have yet to remove it from my credit report. Please help remove this item
Consumer complaint received 2018-01-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (MI)

Company : Coinbase In XXXX of XXXX I opened an account with Coinbase to invest in Bitcoin. I invested money with Coinbase over the past 8 months. At the end of XXXX XXXX locked my account ( unable to buy/ sell or close the account ). I got an a e-mail that " I was too young to have a account with them and to contact their support team. I am XXXX XXXX XXXX and born in XXXX. I emailed them and got no response for 5 days. I finally got a e-mail back that said they would look into it and get back with me. No response for the next week. I called their customer support number and after being on hold for over one hour was told that they have given my concern to the support team and they would contacdt me. One more week went by. I called them again last week ( after being on hold for over one hour ) and again told there was nothing they could do and they were behind and they would get back with me. One more week has passed with no contact from coinbase. They have all my money but have locked me out and will not help me solve the problem after 3 weeks of trying to get help.
Consumer complaint received 2018-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (GA)

I have several loans that I consolidated from Navient to XXXX. There is one loan remaining with Navient that has not been moved that is causing my credit score to continue to drop. Loan #  XXXX. This loan is being recorded as joint. IN XX/XX/1999, my ex spouse and I were trying to consolidate his XXXX loan and my loan with XXXX. We were told that we could not consolidate the loan because his loan was in default. However, my loan was placed into his name. For nearly 20 years we have disputed this and have gotten NO results. They have constantly reported negatively on my credit report and his. Just recently, I spoke to XXXX at Navient XX/XX/XXXX. She said she was going to look into this as a top priority, but our credit scores has since drop down 74 point. I need help in getting this loan out of my ex husbands name ( XXXX XXXX ) so I can consolidate with my other loans with XXXX. This has hindered my as well as his ability to obtain credit. We need help ASAP
Consumer complaint received 2018-05-01
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. (NC)

Equifax illegally displaying false information on my report. A medical collection account keep reappearing on my credit report. I have no knowledge of this account and I did not sign a contract nor did I give anyone permission to give out my personal information. My only conclusion is this account may be from a workers comp claim from my employer, which I am not liable for, also all claims and bills for that claim was satisfied by workers compensation. You need to resolve your problems with workers comp and not me.
Consumer complaint received 2018-07-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmeriCollect (MI)

XXXX CONTINUES TO PUBLISH THE FOLLOWING INFORMATION EVEN AFTER I INFORMED THEM THAT THIS WAS DUE TO IDENTITY THEFT WITH SUPPORTING DOCUMENTATION FROM THE USPS POSTAL INSPECTION SERVICE CRIMINAL INVESTIGATIONS DIVISION AND A SIGNED AFFIDAVIT FROM A USPS EMPLOYEE NOTING THAT SEVERAL HEALTH INSURANCE AND SOCIAL SECURITY CARDS WERE ORDERED NOT BY ME AND SENT TO MY XXXX   XXXX XXXX, XXXX XXXX MI XXXX. THE ACCT # IN QUESTION ON MY XXXX CREDIT REPORT IS : AMERICOLLECT INC. I ALSO EXPLAINED TO THAT COMPANY THAT A COURT ORDERED CONSERVATOR NAMED XXXX XXXX, A LAWYER WITH LAW OFFICE OF XXXX XXXX, WAS ASSIGNED TO ME AND FORWARDED ALL MY MAIL AND TOOK OVER ALL FINANCIAL MATTERS AND THAT I NO LONGER HAD ANY CONTROL OF MY FINANCES AND THAT INQUIRES WERE TO BE DIRECTED TO HIM. THIS CONSERVATOR MISMANAGED MY ACCOUNTS AND REFUSED TO PAY ANY OF MY CREDIT CARDS RESULTING IN ALL OF THEM BEING CANCELLED EVEN THOUGH HE HAS BILLED THE COURTS AND MY ACCOUNTS WITH HIS FEES FOR PAYING AND REVIEWING MY CREDIT CARD STATEMENTS. MY CREDIT IS IN A WRECK FROM MISMANAGEMENT AND USED TO BE IN THE XXXX - XXXX RANGE. SINCE I WAS NO LONGER RESPONSIBLE FOR FINANCIAL ISSUES OR DECISIONS FOLLOWING THE APPOINTMENT OF A CONSERVATOR AND LOSS TOTAL CONTROL OF THE ACCOUNT, I SHOULD NOT BE HELD RESPONSIBLE FOR CHARGES INCURRED OR CHARGED BY HIM AND THIS SHOULD BE REMOVED FROM MY CREDIT REPORT. 

AMERICOLLECT {$210.00} Account Details Last Reported Collection Agency Original Creditor Status Opened Date Closed Date Responsibility Balance High Balance Remarks XX/XX/XXXX AMERICOLLECT XXXX XXXX XXXX XXXX  Open XX/XX/XXXX -- Individual {$210.00} {$210.00} Account information disputed by consumer, meets FCRA requirements Creditor Contact Details AMERICOLLECT XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX
Consumer complaint received 2018-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: SYNCHRONY FINANCIAL (FL)

My boyfriend XXXX had a Care Credit credit card account with Synchrony Financial Bank, in XXXX, Florida, that was opened on XX/XX/XXXX. It begins with the numbers : XXXX He added me as an authorized user on this account in XXXX of XXXX. 

Synchrony Bank is not reporting this account to XXXX, XXXX, and XXXX XXXX. 

They need to report it on my credit files with these 3 credit bureaus, because I was listed on the account as an authorized user.
Consumer complaint received 2018-03-17
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CNG HOLDINGS INC (MA)

I purchased a stove from XXXX in XXXX, ma using their Why not lease it now credit purchases programs based in NH. Tel XXXX and address is XXXX XXXX XXXX XXXX XXXX, NH XXXX. After about I made 4 months of on time payments and then I had called the company thinking I would be able to make my final payment and I had contacted XXXX who is the the manager of the manager of the company stated on phone that none of my my payments counted toward the balance because it is a lease. He also admitted on the phone on a recorded call that the sales representative at XXXX mispresented the terms of the lease and he said I signed a contract. However XXXX doesn't give you a contract they provide you with a receipt that you sign in tiny print. I was told that I passed the deadline within a month to pay the stove off and I had to pay the whole balance of {$240.00} which meant all the payments I made since the lurch date back in XXXX of XXXX every 2 weeks did not count towards the purchase price. So they then explained my options was to keep leasing it or returning the stove. I feel it was. It right they were not transparent about the supposed contract as I was under impression since they don't explain they contract terms week that if you don't pay within 90 days it later turns into a lease agreement. I had no idea that they would count all the payments I made as lease payments. That's why I feel they are deceptive the way the program is treated as a credit program as I though my payments within the 90 days would have counted towards the balance. They uses very deceptive tactics and this was a very cheap syove over not worth all the money I feel I was robbed out of. They need to recompense me as I feel they were unfair business practice at least refund me monies that I applied toward the initial 90 day period. They made this way more complicated than it had to be and I have vision issues so handing someone a receipt with tiny print at a XXXX cashier is very unhelpful in this situation.
Consumer complaint received 2018-07-21
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (KS)

This number calls me on average 4 times a day. So far today, they have called me at XXXX, XXXX, and XXXX. This is ridiculous. There is no reason they should be calling 3 times in just over an hour. They need to leave a message instead of calling like this.
Consumer complaint received 2018-03-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Choice Recovery, Inc. (FL)

I pulled my credit reports from all 3 credit bureaus in XXXX and have 2 collection accounts from Choice Recovery Inc on all of my reports. I sent them a debt validation letter on XX/XX/2018 via certified mail to request original methods to verify and validate that this account is mine. I disputed the accounts with all 3 credit bureaus. One credit bureau removed one account, but Choice Recovery has failed to mail me any documentation to validate that this is a debt for me or what has been provided to the credit bureaus to verify that this debt is for me.
Consumer complaint received 2018-07-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Senex Services Corp. (MI)

XXXX CONTINUES TO PUBLISH THE FOLLOWING INFORMATION EVEN AFTER I INFORMED THEM THAT THIS WAS DUE TO IDENTITY THEFT WITH SUPPORTING DOCUMENTATION FROM THE USPS POSTAL INSPECTION SERVICE CRIMINAL INVESTIGATIONS DIVISION AND A SIGNED AFFIDAVIT FROM A USPS EMPLOYEE NOTING THAT SEVERAL HEALTH INSURANCE AND SOCIAL SECURITY CARDS WERE ORDERED NOT BY ME AND SENT TO MY XXXX XXXX  XXXX, XXXX XXXX MI XXXX. THE ACCT # IN QUESTION ON MY XXXX CREDIT REPORT IS : XXXX XXXX. I ALSO EXPLAINED TO THAT COMPANY THAT A COURT ORDERED CONSERVATOR NAMED XXXX XXXX, A LAWYER WITH XXXX XXXX XXXX XXXX XXXX, WAS ASSIGNED TO ME AND FORWARDED ALL MY MAIL AND TOOK OVER ALL FINANCIAL MATTERS AND THAT I NO LONGER HAD ANY CONTROL OF MY FINANCES AND THAT INQUIRES WERE TO BE DIRECTED TO HIM. THIS CONSERVATOR MISMANAGED MY ACCOUNTS AND REFUSED TO PAY ANY OF MY CREDIT CARDS RESULTING IN ALL OF THEM BEING CANCELLED EVEN THOUGH HE HAS BILLED THE COURTS AND MY ACCOUNTS WITH HIS FEES FOR PAYING AND REVIEWING MY CREDIT CARD STATEMENTS. MY CREDIT IS IN A WRECK FROM MISMANAGEMENT AND USED TO BE IN THE 720 - 780 RANGE. SINCE I WAS NO LONGER RESPONSIBLE FOR FINANCIAL ISSUES OR DECISIONS FOLLOWING THE APPOINTMENT OF A CONSERVATOR AND LOSS TOTAL CONTROL OF THE ACCOUNT, I SHOULD NOT BE HELD RESPONSIBLE FOR CHARGES INCURRED OR CHARGED BY HIM AND THIS SHOULD BE REMOVED FROM MY CREDIT REPORT. SENEX SERVICES CORP {$30.00} Account Details Last Reported XX/XX/XXXX Collection Agency SENEX SERVICES CORP Original Creditor XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$30.00} High Balance {$30.00} Remarks Consumer disputes after resolution Consumer disputes - reinvestigation in progress
Consumer complaint received 2018-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (UT)

I recently applied for a XXXX Citi Card. When I did this, they ran a hard credit inquiry. I did not authorize and it is affecting my credit score.

Because I didnt authorize, could please remove the hard inquiry? In addition, could you please change your policy so this doesnt happen without consent?