davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc. (TN)

i start trading cryptocurrency with COINBASE in XX/XX/XXXX, make several transactions deposit and withdraw with no issues till XX/XX/XXXX, someone compromise my account and change password and email for my account and tried to make 2 other purchase using my bank account XXXX, but thank GOD i could dispute those transactions because they were still in pending, tried several times to contact Coinbase customer support via email and phone to fix this issue but no aim, no-one get back to me except for first time to provide steps to reset password but when i try to tell them that hacker change Email for my account to his, they stop responding and never get back to me after that, the hacker took {$14000.00} from my account in 5 different transactions cleared from my bank account as shown below : XX/XX/XXXX {$3000.00} XX/XX/XXXX {$2600.00} XX/XX/XXXX {$2500.00} XX/XX/XXXX {$2800.00} XX/XX/XXXX {$2900.00} i really need my money back my case # XXXX username : XXXX thank you
Consumer complaint received 2021-07-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (OH)

On XX/XX/2021 I forwarded by fax a Declaration of Unauthorized Endorsement or Altered Item to Chase for a {$600.00} check ( check number XXXX XXXX that was stolen and cashed by XXXX  XXXX XXXX without any endorsement. I followed up with a call on XX/XX/2021 and was advised that the claim could take 90 days, but after 90 days, the funds would be credited to my account. I submitted a follow up email through the Chase online website on XX/XX/2021, but was told I had to call for more info. I called Chase today as it has been over 100 days and Chase has still not resolved the issue and credited my checking account for the {$600.00}. Now I am being told that XXXX  XXXX XXXX, who cashed the stolen check has to recover the funds before I am credited the funds back. This check had no endorsement on the back of it and was made out to my church. I feel that Chase bank is taking advantage of me because I am XXXX years old.
Consumer complaint received 2021-07-20
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. (IL)

XXXX charged me {$810.00} for a item I never received and it is still on my credit report from XXXX and other Credit Agencies 2 months later I've made several phone calls to the reporting Credit Agencies also to XXXX XXXX corrected that are on that end yet XXXX and other Credit Agencies I still reporting inaccurate information after I told him over and over again that balance was incorrect they didn't investigate him and said it was accurate two or three times this is absurd legal actions need to be taken
Consumer complaint received 2018-04-24
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: WELLS FARGO & COMPANY (NJ)

I received a letter from my bank Wells Fargo on XX/XX/XXXX stating that XXXX $ was taken from my checking account. The letter stated that they received a legal order to deduct money from my account. 

I have no idea what this is about. I was never contacted about any debt that I owed. 
The attorney that I have been trying to reach that was provided by Wells Fargo is XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX Case NO : XXXX
Consumer complaint received 2021-07-20
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: Synovus Bank (NC)

I disputed charges from XX/XX/2021. The company is saying I am responsible for items that were mailed to another address that I never ordered from XXXX. They ever stated I have 9 other charges on my card from this address, this is not true. The company advised me not to pay off the card until these charges were investigated, noe I see over {$80.00} on late fees they have added to this account. I have NEVER charged 9 times on this account because they shut the card off once a late fee is added and not paid in full. This clearly a fraudulent charge and I do NOT fell I should have to pay for items not shipped to me. I have spoken to this company and they refuse to remove these charges causing yet another drop in my credit score. This was supposed to help my credit, not make it worst. I am through with First Progress. I want these charges removed and a pay off amount so I can rid myself of these people. They are clearly taking as much money as they can from poor hurting people during a pandemic where we are already suffering. It is absurd what they are doing at a time such as this ...!!!!
Consumer complaint received 2018-08-09
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 would like to report the XXXX  XXXX XXXX account # XXXX reporting in my credit file. This account is under the name of " XXXX XXXX '' and DOES NOT BELONG ON MY CREDIT REPORT! MY COMPLETE NAME IS XXXX XXXX and not XXXX XXXX. I am not who this account should be reported under. I did not open this credit card. It is either, I am a victim of a MIXED-UP FILE ERROR either by the bureaus or by XXXX  XXXX XXXX itself or this is Fraud. In any way, this account does not belong to my credit file and would like to request to completely remove and be blocked from reporting on my credit file.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2018-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Early this year I noticed a capital one card opened up on my report that I never possessed. The card was maxed out immediately and has remained on my credit for the past couple of months. This account appears to be frivolous due to the fact that I have never obtained an open line of credit with Capital One bank.
Consumer complaint received 2018-04-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (MA)

I had an FHA mortgage with Roundpoint Mortgage Servicing Corporation ( RMSC ) and I refinanced with another lender on XX/XX/XXXX. The payoff sent to RMSC was short. I was never contacted to say my loan was not paid off. I found out in XXXX when I looked at my online account. After 13 phone calls, I could not get an answer as to how to resolved the problem. On XX/XX/XXXX, with the help of my new lender calling several times as well as myself, I was able to get a breakdown on a spreadsheet of how my payoff funds were applied and the shortage amount from the XX/XX/XXXX closing. I contacted RMSC several times to ask how to send the shortage amount. On XX/XX/XXXX I spoke to customer service. They took my shortage amount payment over the phone using a debit card and said I would receive a letter stating my loan was now paid off along with an apology because of the " back and forth for so many months. '' Those documents never arrived. I checked my online account on XX/XX/XXXX and found the money they collected over the phone was labeled as suspense/unapplied funds. When I called, I was told I needed to pay more to settle the account because the " payoff '' had increased since XX/XX/XXXX. I was also told that their cashiering department did not know how to apply the original shortage amount I paid on XX/XX/XXXX. RMSC is still making escrow disbursements even though I notified them of the situation and spoke to them several times since XX/XX/XXXX. I got their Consumer Ombudsman involved however she was not able to help me reach a resolution. I have also been reported late to the credit bureaus by RMSC for the last two months because they are saying that I haven't paid my regular payment due XX/XX/XXXX and I'm now reported as late 60+ days. I was told by several reps that my account would not be reported late because it was " on hold '' or " frozen ''. I have since been declined a vehicle loan because of this specific negative credit account and my score has decreased 53 points since XX/XX/XXXX. RMSC has the shortage money but they will not apply it to my payoff and close this matter after nearly 5 months and over 20 phone calls and 30 emails. I have also filed a complaint with my state 's attorney general 's office and asked for assistance from a HUD Counselor.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2018-08-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Performance Management, LLC (GA)

Recently I noticed an outstanding debt on my credit report from an account I have no knowledge of. This account appears to be from a line of service through XXXX XXXX and now has been placed on my credit as collections. I have never had service through this company nor have I extended my personal information to obtain services either. This account states that it was open back in XXXX of this year 2018.
Consumer complaint received 2018-04-25
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

I have been dealing with the XXXX credit card, Capital One, for 5 years. They are the only company I pay that refuses to count any over payment made within a billing cycle to the next billing cycle. In the XX/XX/XXXX to XX/XX/XXXX billing cycle. I was due on XX/XX/XXXX for {$210.00}. I use my bill pay system from my bank so I can synchronize my payments with my paychecks. I pay {$130.00} a paycheck to XXXX, every other Wednesday. I paid {$130.00} on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. That is a total of {$390.00} in one billing cycle, even though I only owed {$210.00}. My next payments were XX/XX/XXXX and then XX/XX/XXXX, both for {$130.00}. However, because they did not count any over payment outside of the previous billing cycle, when my due date of XX/XX/XXXX came up they said I still owed {$86.00} and then charged me a {$35.00} late fee. I called their customer service and they immediately waived the fee, however, they stated it could only be done once a year. I advised them of how I was making payments. They admitted that they understood why the late fee had occurred and stated they could change the due date. I advised them that changing the due date will not solve the issue and I asked them to credit over payments on my account to the next billing cycle. They refused to do so. They advised me the only thing that can be done is changing the due date. Now since my payment of {$130.00} posted XX/XX/XXXX it took care of the {$86.00} left on the cycle, but I'm going to be late again since my payments of {$130.00} will occur on XX/XX/XXXX and XX/XX/XXXX ( 1 day past the due date in XX/XX/XXXX ). It is obvious this policy of keeping all payments within one billing cycle generates a lot of revenue for Capital One, and that is the only reason to have it in place.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

CFPB, according under the The Fair Credit Reporting Act ( FCRA ) is a federal law that regulates how credit reporting agencies collect and use consumer information. False reporting under the FCRA can occur when incorrect information is reported on a consumer 's credit report, which can negatively impact their credit score and financial opportunities.

Consumers have the right to dispute inaccurate information on their credit reports. When a dispute is filed, credit reporting agencies are required to investigate the claim and correct any inaccuracies. If false reporting is found, consumers may be entitled to remedies, including damages for any harm caused. 


Understanding your rights under the FCRA is essential for protecting your credit and financial health. 
EQUIFAX continues to mess with my credit worthiness all of my accounts are in good standing every month, credit card utilization stays under 30 % every month. I've done a complaint to the WHITE HOUSE this morning. Starting to fill the rath of Prejudice. Equifax. My attorney is looking into this matter. Ive had enough of being treated like garbage. I'm attaching my Equifax report
Consumer complaint received 2018-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have two credit card accounts with Capital One. On XX/XX/XXXX at XXXX PT I contacted Capital One to advise that I might make my payments a few days late for my XX/XX/XXXX due on both accounts, due to a recent auto accident that has impacted my financial situation. I also told the representative that this situation is temporary. The representative advised me that she would enroll me on a program called 3 month fee suppression, that would suppress late fees for three months. She did not give me any details on the program and just told me that a letter explaining the program would be mailed to me. After disconnecting from my call I decided that the program was not something I needed or wanted, and contacted Capital One again at XXXX PT and requested to the program to be removed from my account, since it was not something I wanted or requested and my call was only to advise Capital One that my payments will be made a few days late and I will be responsible for late fees and I was told that I could not be removed or unrolled from the program. Today I contacted Capital One again at XXXX PT and first spoke with XXXX ( supervisor ), then with XXXX ( manager ). Both refused to remove the program from my account. XXXX told me that as long my account is current I can be unrolled from the program. She confirmed that as of today XX/XX/XXXX my account is current, so I asked again, since my account is current if can she take me off this program and she still refused to remove the program from my account.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2020-08-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (ME)

I.C. System Inc. reported the same debt to credit bureaus in the amount of {$380.00} on the following dates : XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 I was never notified of the debt or given the opportunity to dispute the debt prior to it being reported to credit bureaus.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I am reaching out to express my serious concern regarding the disputed accounts on my credit report. Despite multiple attempts to address the inaccuracies in these accounts and my repeated requests for thorough investigations, I have yet to receive any resolution or corrective action. 

These incorrect accounts are significantly damaging my credit file and impeding my ability to lead a normal life. The consequences of these inaccuracies have caused considerable hardship, leaving me with no choice but to urgently seek your assistance in resolving this matter as soon as possible. 

I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that immediate steps are taken to update and correct my credit report without further delay. Your help in restoring the accuracy and integrity of my credit file is essential for me to regain control over my financial well-being. 

I earnestly urge you to prioritize this issue and take swift action. Your prompt cooperation and support in resolving this matter would be greatly appreciated. 

Thank you for your understanding and assistance.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

Upon review the files, it comes to the attention that there is an Error of FALSE information about a XXXX XXXX XXXX  : Account # ending XXXX with the balance of {$0.00}. I have No acknowledgment nor given consent permission to anyone in the institution to use my personal information to obtain or open the account to made unauthorized charges. I have reach out to the institution regarding about this matter and made sure the account open without my permission to be closed, remove and delete. As a Matter of rights under FCRA law to be in compliance, furnish-er of False information must provide any documentation that bears its original owners signature within 5 business days, failure to do so in the essence of time period must have the false information delete or remove before the matter is taken to the court because of Predatory Practice by the institution and the furnish-er of False information. Please taken step necessary to remove and delete prevent any account opened under owners personals information without permission nor consent.
Consumer complaint received 2018-04-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (MD)

My complaint has to do with merchant refunds not credited to my bank account On XX/XX/XXXX XXXX refunded XXXX to our bank account under my husbands debit card number On XX/XX/XXXX I called Citibank to find out where this credit was The supervisor told me that it was pending and it would be released and credited to our account at close of day ( XXXX ) I never received the credit so I called XXXX and they reassured me ( and verified through a ARN tracking number ) that the credit was issued The manager from XXXX called Citibank and initiated a three way call The Citibank rep stated that there was no credit pending and I would have to wait 10 more business days before filing a dispute She said that whoever told me on the XX/XX/XXXX about seeing a credit was mistaken because it is impossible to see anything on their end until it actually posted The citibank employee right out lied to me The Wayfair manager then gave the citibank rep the ARN number ( the bank tracking number ) and told her that the refund was issued and this tracking number was used to make sure XXXX had dispersed the funds He explained that the refund was received by citibank and there was no reason for my account to not have been credited I then asked if I could file a complaint dispute through email or fax I sent a fax along with a letter from XXXX but still have not received a credit I suspect that something or someone on the Citibanks end is holding or stealing any refunds going into our account I have never had any refund not credited within 24 hours after the merchant issues it I am really convinced there is something going on with our account as we are filing another separate complaint about another XXXX refund that we have not received Please check into this matter ASAP as bank fraud could be involved