davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (AZ)

Hi, I 'm a customer of Coinbase, a platform for cryptocurrency trade. On XXXX XXXX, XXXX I 've tried to transfer some of my bitcoins ( XXXX XXXX, to be precise ) from my 'offline vault ' registered with this company to my 'wallet ' at the same company. That transaction was n't finished due to their system problem. So, I had to cancel it and tried to make this transfer again ( the same amount, the same date, the same vault and wallet accounts XXXX. That 2nd transaction was n't successful either. So, I had to cancel it again. Then I tried to make the same transfer one last time with no success and had to cancel that last transaction as well. I had 3 attempts in total and none was successful. My bitcoins from offline vault gone and my balance is XXXX now. I never received those bitcoins in my wallet either. On the contrary, my offline vault balance is now XXXX XXXX ( or $ XXXX as on XXXX XXXX, XXXX XXXX XXXX ). 

The same day ( XXXX XXXX, XXXX ) I 've sent an email to XXXXXXXXXXXX and opened a case using company 's online support system. I got no response and tried to reach out to them again on XXXX XXXX, XXXX, and again on XXXX XXXX, XXXX, and again on XXXX XXXX, XXXX. None of these outreaches got any response from the company whatsoever. I tried reaching out to them via twitter on XXXX XXXX, XXXX with no response either. I opened additional case describing my problem again using their online support. No response. 

Now, I do n't have access to my XXXX XXXX and can not use my other cryptocurrencies ( XXXX XXXX and XXXX XXXX ) because my balance in the system is negative and it does n't allow me to use my funds.
Consumer complaint received 2018-01-12
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. (LA)

Navient student loan company told me my account was charged off and did n't allow me to make payments for over 2 years starting XX/XX/XXXX. I recently obtained a copy of my credit report and I see where they have been reporting my as failure to pay. This company has been cited before for its predatory lending practices. I have spoken with several agents there and explained my situation about not having a job at the time no help was given. And on XX/XX/XXXX after months of repairing my credit and bringing my score up, they flagged my XXXX private loans as charge offs when I could have been paying on them all this time.
Consumer complaint received 2023-12-27
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (OR)

I communicated to American Express National Bank directly to there PO Address communicated directly to their corporate inbox. I first communicated with them on XXXX of XXXX and they have yet to respond. 

As the original cardholder and holder in due course, I exercised my right to initiate a consumer credit transactions with American Express National Bank to open a credit account. According to federal law ( 15 USC Section 1602 ), a " credit card '' includes any device used to obtain credit, which I have granted your corporation. I am well aware of my rights as a consumer, and credit is a right granted by me, the creditor ( 15 USC Section 1602 ( f ) ). They denied my application, my right to extend credit, and discriminated against me. Additionally, reporting to consumer reporting agencies is voluntary, and I did not receive proper information to opt out. Additionally, I have not received any benefits from the use of my credit. The denial of my right to extend credit has caused me severe financial, discrimination, emotional, and mental distress. Also, I was deprived from my disclosure rights not to allow my personal information to be shared with the public and with 3rd party credit reporting agencies. The only credit bureau that exist is the CFPB. 
There are no federal laws that empower a credit score, missing credit bureau information, age of account, or the bank to deny me my right to extend credit ( 15 USC Section 1691 ). Discrimination against an applicant in a credit transaction is unlawful ( 15 USC Section 1691 ).
Consumer complaint received 2023-12-27
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (PA)

I have two Amex Gift Cards that I got as a promotion when I installed my HVAC units. They both came with {$500.00} on them about a year ago. I was able to use them for a bit but everywhere I've tried lately they've been denied. I'm not trying unsecure sites ( I've been getting denied XXXX XXXX doctors office, hospitals... you know, highly regulated medical sites ). But according to Amex the sites aren't secure enough. But I've also been denied in person at my car mechanics shop. It is NOT that I was never able to use them, I've spent over {$850.00} of the {$1000.00}. But lately it's been a gamble and they get denied more often then accepted. I called today to ask and after fighting with their automated system I got a human being and their response was just keep trying to use them in other places. They shouldn't be randomly denied anywhere. I've still got {$120.00} on them that I look like a fool trying to spend because 95 % of the time they're declined for no reason whatsoever. Even in locations they've previously been accepted they can be declined ( or locations they've previously been declined they'll be accepted! ). I would like this money refunded to me by check so I don't have to play the game of try to figure out where I'm going to be able to spend it today. Amex Gift Cards say you can use them anywhere Amex is accepted, this is clearly NOT true.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Avant Holding Company, Inc. (MI)

The law says it is illegal to report transaction history 16 CFR 313.7 - Form of opt 16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods.out notice to consumers ; opt out methods. 16 CFR 313.7 - ( a ) ( 1 ) ( i ) ( ii ) ( iii ) Form of opt out notice to consumers ; opt out methods.

15 U.S. Code 6802 - ( b ) 1. Obligations with respect to disclosures of personal information. 
I did not give consent to report my transaction, history, or utilization, and demand that it be reported to XXXX because it is affecting my score tremendously! It is a violation {$1000.00} per inquiry federal law.
Consumer complaint received 2023-12-27
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CLGF Holdco 1, LLC (IN)

This statement came in the mail saying I was pre approved for this credit card so I thought I was just signing up to get the card not knowing there was gon na be a hard inquiry on my credit or I woukd not have filled it out.
Consumer complaint received 2017-10-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BMO Bank, N.A. (FL)

I lodged a complaint few days back to CFPB. The case # is XXXX. I opened a checking account online with {$1000.00} as initial deposit on XXXX XXXX and made XXXX direct deposits by XXXX. The bank had advertised that if I made XXXX direct deposits it will credit my account {$200.00}. The bank has not yet deposited the amount to my account. 
I filed a complaint through CFPB and the company responded that my account did n't have a promotion code attached to the account. The problem is at the bank 's end. Their site through which I opened the account stated, accounts opened online will have the code automatically attached. I have attached the screen shot as evidence. 

What I find frustrating is, I am not the only XXXX. The bank is trying to give excuses not to give the bonus. I believe it is a fraudulent business practice.
Consumer complaint received 2018-01-12
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)

XXXX XXXX respond to the complaint, and only resolved 1/2 of the problem. BOTH late notes should have been deleted ( not just the one that they deleted ) ... the late reports, and fees were all part of the same issue ( hacked checking account and documents sent to XXXX on 7 occasions ). This ongoing issue with XXXX is hurting our credit score and the ability to get a mortgage. Below is the email that I sent to XXXX on 4 occasions, going back to XX/XX/XXXX. Hello XXXX, Once again thank you for sending the summary / account activity report on our account. Please note the following as to our account. We have been and continue to make two payments per month. Each payment is for {$1200.00}. We have been making these two payments per month for over 2 years. Per your predecessor, XXXX XXXX XXXX, your company did not process the two payments in a timely manner as they did not know how to handle these types of payments, ( even thought I noted on EVERY payment the amount to principal and to the payment ). Hence these payments were shown as partial at times and at times caused the account to show as late. Because of this improper handling of our payments, late fees and notes were added to our account. The returned checks / fees were due to my checking account being hacked and our account frozen until the fraud was being corrected. Again this information was communicated to XXXX during several phone calls. In closing the following corrections should happen to our account. 1. All late fess should be waived. I am ok with the late fees being credited to our account as additional principal payments. 2. Our account should not show ANY late payments. Thank you in advance for correcting these errors on our account. Please feel free to contact me with any questions. Best regards, XXXX XXXX XXXX XXXXXXXXXXXX HELP!!!!! 


Above is the information from my past complaint ... .This is STILL NOT FIXED ... there should be XXXX late payments showing ... .This is crazy as they ( XXXX ) have not fixed all of the issues. ....
Consumer complaint received 2017-10-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

I have sent several disputes to the collection agency and to the bureaus regarding a medical debt that ARS Account Resolution continues to report on my credit reports. I have asked the collection agency to validate the debt by providing me a signed agreement for services, and a detailed billing history of this account as proof that the account belongs to me and was not already paid by my insurance company. To date, ARS has either ignored my requests or only sent the same payment invoice created by their company. ARS continues to report the account without legally validating the debt as required by the Federal Debt Collections Practices Act and the Fair Credit Reporting Act, which requires that information reported by accurate, complete and verifiable.
Consumer complaint received 2017-10-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CT)

On Saturday, XX/XX/XXXX I deposited {$1300.00}  in checks into my account through the XXXX, CT Citibank atm. I then tried to withdraw money in the same transaction from my already " available " /prior account balance and I was denied. I called Citibank and was informed my accoint is frozen until my checks cleared, denying me access to my prior available balance of {$1500.00} before the deposit was made. It was a Saturday night so I was stranded for the rest of the weekend without any money. I had XXXX cash and no other forms of payment. On Monday evening when my account was still locked and i was trying to put gas in my car, I spent over an hour speaking with 3 different representatives that just kept repeating there is nothing we can do about it until you checks clear in 1-2 business days. I stated, it already has been one business day, they said well then maybe two. I had to borrow money from family members to put gas in my car, purchase food, etc because i was denied access to my available balance/ my property ( nothing to do with checks deposited ). As of Wednesday at XXXX, I am still not able to access my available balance. It has been 4 days/ 3 business days since I could access my available money. And there mobile banking app so been down since Monday as well.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2017-10-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NJ)

Last week Wells Fargo sent me a letter to foreclose on my home. I called multiple times Wells Fargo to try to work out a deal and they refused. Somebody by the name of XXXX from Wells Fargo email me stating they are here to help me. However, I emailed XXXX to see if she 's willing to work out with me. I 've been calling her the entire week and she has not returned any of my calls. She also has not reply back to any of my emails. All I am asking for is payment arrangements over a period of time.
I tried to explain to Wells Fargo, the hardship I have faced over the past couple of months. My daughter and my son has end up in the hospital with mounting medical bills. I had things I had broke down in the house including my water heater which cost me extremely a lot of money to put in. These are just some of the things that cost me to br backup and getting the money they need it at that time. I had number repairs that need to be done on the home, that caused me not to have the funds immediately. Including repairs on my vehicle to get to and from work.
I am trying to hold it together. Over the summer I had a death in the family. Until the day I still have not heard from my father who 's been affected by Hurricane XXXX. My daughter was in school last week and they called for an ambulance to take her to the to the hospital. I 've been having a lot of things go wrong. I 'm just asking to bare with me I will pay what I owe.
Consumer complaint received 2018-12-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Lendmark Financial Services (OH)

I was denied SCRA by Lendmark Financial. I would like a rebuttal to the outcome of complaint # XXXX. I would also like Lendmark to revisit their policy under OHIO SCRA Chapter 7.1.
Consumer complaint received 2017-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Bread Financial Holdings, Inc. (OH)

Back in XXXX of XXXX, I placed an order via PayPal on my smartphone, while going through the routine checkout phase, I the checkout chart to complete my order, however, I proceeded to click on payment and accidentally click another feature, which appeared to be PayPal Credit, I was only trying to pay for my item, which totaled around {$8.00} or more, but it was a feature to apply for PayPal credit, which I was not trying to apply for credit, especially for the {$8.00} bucks I was spending. A month later, I received a hard inquiry on my credit report stating that I had applied for PayPal credit. 

The way they have the PayPal credit feature on the checkout platform is very confusing as if they are being deceptive to offer you PayPal credit unknowingly. Like I stated, I was only trying to pay for my order. I have reached out to PayPal and XXXX and each agency tells me I have to correct the error with the other agency, the credit bureau and PayPal are basically giving me the runaround. I would just like them to remove the hard inquiry from my credit report.
Consumer complaint received 2017-10-06
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

My mortgage refinance was turned down due to insufficient documentation. I was told by three different loan officers that the underwriters continue to need more information on my retirement accounts that were in no way connected to my mortgage refinance. I was told the only reason for wanting my annuity information was so that it showed I had at least two months of reserve funding for mortgage payments in case I ran into financial difficulties, but that my annuity is not collateral and not connected to my mortgage refinance. I sent them a current annuity statement and withdrawal statement. This was still not enough as the underwriters wanted an even more detailed withdrawal accounting and even asking to speak with my broker.
Consumer complaint received 2018-11-18
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: Experian Information Solutions Inc. (TX)

I purchase the vehicle from XXXX XXXX under XXXX XXXX XXXX XXXX and paid off XX/XX/2017, received release of lien. At  the end of paying off the loan they will not report the loan was paid in full {$26000.00}. I want it reported to XXXX, XXXX and experian that it is paid in full. XXXX XXXX financial manager said he would do it. He is no longer with the company, XXXX the stepson of owner threatened if I persisted he would report I was late on payments. I am a single female and I will not allow anyone to obtain any favors for a favor. I do not want to go in there. I paid the loan off and it should be reflected. I suffered with XXXX XXXX and I need my credit report to show paid. I have to repair my home and need a loan. Threatening consumer to make a bad report after paying off the loan should be illegal.
Consumer complaint received 2017-10-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (CA)

I have asked my mortgage servicer loan care for a modification. I faxed them my package as they requested along with all documents they needed, and I am yet to hear from anyone about the status of my request. The package was originally sent X/XX/17. I called back 3 or 4 business days later to confirm my package was received, and I was informed it was received and allow 30 days for a decision. I then called back XX/XX/XXXX for status, I was asked to send additional items and I did that same day. I was informed then that it would now be sent to an underwriter for a decision since nothing else would be required. I have called back at 1 a week for status and each time I ask to speak with XXXX XXXX who is my point of contact, via a letter he sent. I never speak to him or nor does he return any calls. I keep asking for status, anything an I get nothing but the run around. This company needs to help customers like myself who lost employment and need help. THEY claim to be willing to help. I 've left several messages, no calls no letters nothing. I ca n't keep borrowing money to pay my mortgage. I also cant risk ruining my credit, I work in the mortgage industry myself and I am required to pass background checks to get a job. I ask that this company be held accountable for their service, as a consumer I have rights.
Consumer complaint received 2017-10-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Optimum Outcomes, Inc. (NC)

Optimum Outcomes continues to report fraudulently obtained accounts on my credit reports after I have formally requested and sent them my original police report for identity theft. I have disputed with the credit bureaus but Optimum continues to verify it as mine.I 'm filing a complaint on this company for deceptive business practice and code of ethics.
Consumer complaint received 2017-10-07
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)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise.
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2017-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TX)

I had an account with XXXX? XXXX. The first year I used the account and paid accordingly with no issues. I fell behind and spoke with one of their account retention reps and they agreed that if I paid the next XXXX installments on time they would erase the late payments reporting on my credit. In addition to this they agreed to remove the late charges and penalties from the acct, the account representative told me that I would receive a copy of the agreement in the mail, but never did. Once I complied with my end of the deal, XXXX refused and denied that they made this agreement with me. 

We had an agreement to delete the penalties and fees which were extreme and they did not hold up their end of the bargin. At that point i stopped paying the bill and they sold the account to a collection agency, and the bill itself was wrong. 

Once I made contact with the collection agency, they removed the derogatory collection from all three bureaus and shortly thereafter, XXXX reinserted the information!!! 

And now my credit has taken a dive!