davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

On XX/XX/2021 I got a message saying that my FICO score had dropped XXXX XXXX  due to a Late Payment in one of my accounts. This is completely false and incorrect, all of my accounts are current. I Contacted Experian and XXXX they went through my credit report and said that I was right, that all of my accounts were up to date, that they didnt know why my credit score went down or why a Late Payment note appears on my credit report. They didnt give me any solution towards removing this false information, they only said that they couldnt do anything about this note on my credit report. This is affecting me tremendously and this false information is suppose to stay there for 7 years.
Consumer complaint received 2022-02-07
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On XX/XX/2022 I received a Visa Gift Card ( # XXXX XXXX XXXX XXXX ) as a birthday present from a friend. The card was purchased on XX/XX/XXXX at the XXXX Grocery Store located at XXXX XXXX XXXX XXXX, XXXX, GA XXXX in the amount of {$30.00}. When I attempted to use the gift card on or about XX/XX/2022 at a merchant, the gift card was rejected. I then logged in to XXXX and learned that the gift card was apparently fraudulently used in XXXX, TN on XX/XX/2022. I was never in XXXX, TN and did not use the gift card at that merchant. The card in question was somehow registered to another user. 

I contacted Visa at XXXX and was instructed to fax the following information to them so that the a new gift card in the amount of {$30.00} be issued to me. On XX/XX/2022, I faxed Visa ( fax number XXXX ) ; 1 ) A copy of the gift card, 2 ) A copy of the receipt that purchased the gift card, 3 ) A copy of my driver 's license. 

On XX/XX/XXXX, I followed up with Visa and called them about the fax. They informed me that they had received the fax but couldn't read my driver 's license information and I would have to re-fax the documents. The information on my end was clear and readable. Nevertheless, as requested, on XX/XX/XXXX, I re-faxed the information to Visa with an enlarged copy of my driver 's license, a copy of the gift card, as well as a copy of the receipt used to purchase the gift card. 

On XX/XX/XXXX, I again followed-up with Visa about the status of my second fax. This time Visa informed me that although they received the fax, the purchase receipt was missing and I would have to re-fax the documents a third time. I tried to reach a resolution with them over the phone but I was unsuccessful. 

My access to a fax machine is limited. The use of a fax machine is an outdated practice and is being used, in my opinion, to make it difficult for people that were defrauded for relatively small amounts of money to claim what is rightfully theirs. 

In my opinion, the Visa company is making this process intentionally difficult for persons making a valid claim.
Consumer complaint received 2015-10-20
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: Empowerment Ventures, LLC (CT)

I am a card holder for " RUSHCARD '' and for 10 days i have not been able to access my account due to a programming switch glitch within the company. Not only myself but XXXX of other card holders are suffering due to this situation. We all have payroll checks Goverment checks posting to that card. the bank that Rushcard is affiliated with is XXXX. Now my XXXX payroll check will be deposited on my Rushcard account tomorrow and i still can not access. This has been going on since XX/XX/XXXX. 
As it stands i can not pay my bills all services are on final notice and can not pay rent so my housing is on the line. My job is on the line cause i can not drive to work nor pay anyone cause i have no access to my funds. Can not purchase groceries i work everyday for minimum wage in the State of Connecticut and i am not really making the bills now. i have moved 3 times this year cause of financial issues and now to have my pay check just taken from me is more than i can bare. i am a XXXX mother of XXXX it was XXXX children but XXXX are grown and have families of there own.But i still have XXXX that i have to take care of and XXXX is XXXX. i have been a member since XX/XX/XXXX and never encountered anything like this. I call i go through the automated and get transferred to customer service just to get hung up on. i have called over 30 times in the past 2 weeks and end up with the same result Nothing. No Explaination no Compensation for the hardships that we all as cardholders are enduring at this time. We are loosing everything and nothing is being done.
Consumer complaint received 2023-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX - XXXX  XXXX XXXX XX/XX/XXXX was reported 60 past due, XX/XX/XXXX was reported 90 days past due, and XX/XX/XXXX reported XXXX past due. This does not correspond with the dates reported in XXXX and TRANSUNION, as they report XX/XX/XXXX - 30 day past due, XX/XX/XXXX - 60 days past due. and then XX/XX/XXXX -30 days past due. Please remove the late payments reported as they are grossly incorrect. This account is marked as Closed due to inactivity. This account needs to be updated to Paid, closed ; was Paid as agreed ; Because it was paid in full as agreed on. Meaning NO late payments should appear in this file because of the inaccuracies in properly reporting the status of account at closing and the factual reason for the account closing as well as the reporting dates are grossly incorrect. 

XXXX : XXXX states the account as Closed due to inactivity. This account needs to be updated to Paid, closed ; was Paid as agreed ; Because it was paid in full as agreed on. Meaning NO late payments should appear in this file because of the inaccuracies in properly reporting the status of account at closing and the factual reason for the account closing. shows XXXX XXXX 30 day past due, XXXX XXXX  60 days past due. and then XXXX XXXX, 30 days past due.

TRANSUNION : TRANSUNION shows XXXX XXXX 30 day past due, XXXX XXXX 60 days past due. and then XXXX XXXX, 30 days past due. TRANSUNION shows the account was Paid, closed ; was Paid as agreed. It is not possible to be paid as agreed and still have late payments simultaneously. Please update the account to fully paid on as agreed. Meaning NO late payments should appear in this file because it was paid on fully as agreed. 

Please update these accounts to fully paid on as agreed. Meaning NO late payments should appear in this file because it was paid on fully as agreed.
Consumer complaint received 2022-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (TN)

I recently received my credit report and found an inquiry from SYNCB/PAYPAL. I did not apply for credit with Paypal. I do not even have a Paypal account. This inquiry is fraudulent and was not authorized by me.
Consumer complaint received 2020-12-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. ()

Hello, Since few days my My account coinbase is retricted, I try to ckeck control Identity but Don't work and Coinbase don't respond to my case, so I can do nothing with my account ; I don't unstand why? eveything work fine before. 
this one of my case number open to COINBASE : XXXX. 
can you help me to fixe my issue please. 
thak you best regard.
Consumer complaint received 2021-11-25
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. (MS)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX Balance {$400.00}
Consumer complaint received 2023-01-14
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. (FL)

Between the end of XXXX and XXXX of 2022, I was approved for a line of credit of {$8000.00} through XXXX. Rather than transferring funds as needed into my existing accounts, I requested a separate credit card which the institution granted. The primary purpose of the loan was to have an active account reporting to my credit report to help increase my score. When I applied for the loan, my score was close to XXXX. Upon review of my credit report after the approval of the line of credit, I found that my score had plummeted XXXX points. When I spoke with a XXXX representative, it was confirmed that the {$8000.00} was cashed and deposited into a new account in order to issue the credit card which XXXX did not advise me prior to doing so. I am very aware how this would affect my XXXX and credit score therefore I would have never authorized the loan to be cashed and deposited. I asked for the name of the representative that processed the transaction and was not given the information. Aside from the issue with the personal line of credit, I was also informed by another XXXX representative that a monthly fee was being charged to XXXX of my accounts that should have never been charged since the account was meeting the requirements for the fee to be waived. I requested over the phone and in person for my account to be reviewed ; neither of the representatives provided assistance as I requested. I have contacted the institution via phone, online chat, and in person regarding the issues with my accounts. I am constantly pawned off to the next person and no one is willing to assist. I have given the institution and theit representatives ample opportunities to fix the issues at hand. I'd like to move forward with your assistance as the issues persist at this time.
Consumer complaint received 2022-02-07
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: GOLDMAN SACHS BANK USA (NY)

On XX/XX/XXXX I purchased an XXXX XXXX XXXX XXXX XXXX ( Order # XXXX ) and it was delivered to me on XX/XX/XXXX. 

On XX/XX/XXXX I received my credit card statement dated as of XX/XX/XXXX. On Page 4 of the statement it was noted that I had two Apple Card Monthly Installment dated XX/XX/XXXX for {$650.00} each ( a total of {$1300.00} ) which is incorrect given that I only purchased one XXXX as noted on the purchase order above. 

On XX/XX/XXXX I called Goldman Sachs Apple Credit Card XXXX after several attempts to resolve the issue via text message chat ( Apple 's preferred method for customer service ). I was transferred to multiple people and was told that my issue was going to be resolved and that someone would reach out to me. 

On XX/XX/XXXX I received as email at my email address on file ( XXXX ) stating that they had tried to reach me and were unable to. I reached out to them right away and I was told that my account had been blocked due to 'Fraud '. They said it was because the phone number on file was not my phone number. I told them that was my old phone number ( XXXX ) which I no longer used. I gave the agent my correct number ( XXXX ) XXXX. They told me that someone was going to reach out to me to verify my identity. Meanwhile, they could verify my identify by using a combination of the last four digits of my social + Date of Birth. Why my new phone number was a valid reason to flag my account for fraud without any fraudulent activity recorded on the account is beyond unprofessional and unwarranted. 

After about two ( 2 ) other attempts to reach Goldman Sachs Apple Credit Card services, they have failed to resolved my the error on my credit card statement and my account remained blocked since XX/XX/XXXX. 

On XX/XX/XXXX I contacted Goldman Sachs Apple Credit Card to make my monthly credit card payment ( as a responsible card holder ). The agent told me " THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE ''. I asked why that was the case, she responded that my account is past due. I asked why my account was past-due and she said because I had not made payments - I told her I had not made payments because my account is blocked. My account is blocked which means : 1. I can not access apple card through the 'Wallet ' App on my XXXX 2. I can not log into https : //card.apple.com/ to make payments 3. I can not view nor have I received my XXXX Credit Card statement form apple or Goldman Sachs . 
I am left with the option to call them and make payment which I did only to be treated a delinquent customer even with the over 3years I have held that card. 

I did not make payments in XXXX because my credit card statement is incorrect and they have taken over 1 month to resolve to no avail.
Consumer complaint received 2019-02-05
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: RFNA, LP (LA)

On XX/XX/2019 XXXX from XXXX XXXX called and spoke with someone other than myself and divulged personal financial information regarding an account being overdue for payment. This clearly violates my rights in disclosing this information to a third party other than myself.
Consumer complaint received 2023-01-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (NJ)

My mobile number was hacked and ported out to different operator. Reported it to Police for a Police Report. Raised a ticket with FCC and FTC. My email ID was also hacked using the hacked Mobile Number. Hackers transferred out {$2200.00} from my Citizens Bank checking account using XXXX payment. My phone number was originally associated with XXXX XXXX XXXX account through XXXX. But the hackers used the stolen mobile number and linked it with my Citizens Bank account to transfer fund out of my account. This incident happened on XX/XX/2023 and I have contacted Citizens bank the same day and raised a dispute and claim to revert that fraudulent transaction. But Citizens Bank denied the claim within 2 days without contacting me. I went to a local branch in XXXX NJ and the XXXX XXXX also contacted the internal departments. But no resolution was provided. The Bank XXXX suggested me to contact XXXX as the transaction went through XXXX. I contacted XXXX and they said, I need to contact Citizens Bank and Citizens Bank need to raise a dispute with XXXX for the fraudulent transaction. This looks like a blame game from both side without providing any support that I need. As per XXXX, Citizens bank allowed XXXX to link up my stolen Mobile Number and approved the transaction. I am looking for a resolution and want my hard earned money back.
Consumer complaint received 2024-02-22
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. (PR)

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

I contacted the credit reporting companies and XXXX XXXX. 

The XXXX XXXX XXXX is reporting a closed account on my credit report ACCOUNT ENDING IN ( XXXX ). ACCOUNT XXXX ( XXXX ). I have communicated several times by postal mail in reference to a debt validation, as the law allows me to do so. There have already been XXXX occasions that tell me that they can not validate it. I have written evidence from them indicating that they can not validate it. 

The dates of the letters received from them are XX/XX/XXXX, and XX/XX/XXXX. 

They are showing late payments, but they do not give me information, they do not validate the debt, they do not give me evidence of the late payments. It's been more than 45 days, and they don't do anything. Honestly, they are giving it time to see if I don't dispute, but I have and know my rights. 

The information shown on my credit report must be accurate, something that XXXX XXXX is not doing. 

These documents that I require are of great importance to verify the debt and the federal FCRA law protects me and gives me access to these documents. The documents that I am going to list below are the documents that I require. 

According to federal law I have the right to access all these documents. They have from XXXX to XXXX by law to respond to this dispute, if not, they must eliminate it from my credit and send a copy of my report showing the elimination of this.
Consumer complaint received 2021-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i  within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous information reporting on my Credit Report : XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2021-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Consumer complaint received 2021-12-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (NY)

On Monday, XX/XX/2021, I closed my Coinbase account because I thought my Coinbase Pro account was a completely separate account which still had $ XXXX {$1500.00} in cryptocurrency in the wallet. I went ahead to close my Coinbase account, where Coinbase did checks to make sure I had no money in the wallet before I can close it. So I got my Coinbase wallet down to {$0.00} and was able to close. There was no mention that my Coinbase Pro wallet is the same account and/or no mention or warnings to move my money out of my Coinbase Pro account. This entire time I thought it was completely separate and would have no impact to my Coinbase Pro account if I went ahead and closed my Coinbase account. I went forward with closing my Coinbase account and next thing I know, my Coinbase Pro account is also closed with my money still in the account! There is no way to ever get to speak with a live human being when things go wrong. I submitted a ticket for Help through the Coinbase website and it has been 4 days and still no response. This is a scam! Coinbase basically XXXX XXXX XXXX. I can not access my money.
Consumer complaint received 2021-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Consumer complaint received 2018-03-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IN)

XXXX XXXX attempted to deposit a settlement check related to a legal complaint against a local company in the amount of {$2500.00} on or around XX/XX/18. Since that time, her account has been frozen and Chase Bank has accused her of fraud. Chase Bank staff were given copies of the attached letter from the Office of the Indiana Attorney General regarding the settlement check and still have refused to re-open her account. This has caused her damage, including hampering her ability to buy groceries and pay her bills. When I contacted the attorney who authorized the check on behalf of his client, he indicated that on XX/XX/18 he was contacted by Chase Bank regarding the check and related to them that it was authorized. Yet the account remains frozen without clear direction from Chase Bank as to why this has happened and why they are not allowing her access to her account - even after confirming that the check was authorized. It does not at all explain why the entire account was frozen instead of simply disallowing withdrawal against the check until it was investigated.
Consumer complaint received 2024-02-22
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. (PR)

My credit report is still reporting information that being fraudulently open, I send all the information a still in my credit report. Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-07
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: Experian Information Solutions Inc. (CA)

I have never opened an account with XXXX  bank yet there is a charge off account on my credit report stating that i owe {$50.00} when I never opened an account with this company. I shouldn't have false information on my credit report and i dont believe i should be penalized for inaccurate information. The bank information is XXXX XXXX XXXX XXXX  XXXX, MO XXXX ( XXXX ) XXXX.