davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-17
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. (GA)

XXXX fXXXX Has violated the faith in the public trust and ignores commercial laws. I assert That My status needs to be reported as active with good standing only on any public form. XXXX XXXX lack of disclosure and false and misleading business practices have been fraudulent and a form of extortion, You simply can not bind any minor into any agreement without showing proof that you have performed on your duties and that their is proof for mutual benefit. XXXX XXXXl as acted not as a securities transfer intermediary but as a debt collector and loan shark and solicited private consumer information. XXXX XXXX must also provide recession provisions you can not ignore letting the minor or any party know their duties acceptable practices and terms of cancelation. XXXX XXXX has taking Estate credits and issued them to the beneficiary did not give the full value of the credit, sold or transferred the note and private information and extorts the beneficiary to make him seem as the trustee and further defraud ESTATE Property. Beneficiaries are due reconciliation for damages payable immediately and un demand. XXXX XXXX has neither provided proof verified by XXXX party or AFFIDAVIT of truth on any points beneficiary has made sticking to the principles and starting with showing that they have the promissory note in its original wet signature form, and that the funds credited were from XXXX XXXX prior assets ; date and time of the XXXX meeting with share holders that provided XXXX XXXX to lend from these assets, the beneficiary is also a shareholder of XXXXXXXX XXXX and was not notified of this meeting nor approved of this extortion. The trust relation ship is expressed as given notice publicly recorded within county court. all family members and accounts were carried out in this manner and an immediate investigation of Tax evasion should be warranted Immediate return of all property is demanded. They have claimed charged off funds with the internal revenue service and never issued a 1099-C to the beneficiary, then sent XXXX XXXX XXXX XXXX information to continue to extort funds from the beneficiary. CO- conspirators known as credit bureaus ( XXXX XXXX Equifax XXXX shall be subject to the same fines of fraud yet not limited to any violations they are guilty of. XXXX XXXX is also continuing to garnish wages from labor and report this being paid as agreed with negative collection statuses continuously renewing and continuously lowering " credit scores publicly damaging to the XXXX ''
Consumer complaint received 2021-08-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc. (ND)

Good morning. t 's have been 5 days now and I'm having a problem withdrawing my funds. From XXXX XXXX, 2021 {$5500.00}. I have some recurring bills that I need to pay like my Home Mortgage, electricity, health insurance, car insurance and etc. I'm in dire of help to withdraw these funds from my account. Kindly please someone gets back to me and helps me on this matter. I just don't know why I'm having a hard time withdrawing these funds but funding my Coinbase Pro is so easy for you people to get that from my Online Banking! This is really outrageous and has red flags. COINBASE is a public traded company in the stock markets. And I asked this COINBASE Company ( coinbase.com ) to release these funds at the right time. Apparently, not willing to help me, and they always rerouting my calls to COINBASE Voicemail and it's pretty obvious Coinbase employees aren't helpful from the beginning.
Consumer complaint received 2021-12-14
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: HSBC NORTH AMERICA HOLDINGS INC. ()

XXXX. I've kept two online saving accounts in HSBC for over ten years, but recently, I could not log in to internet banking, so those were dormant. On XX/XX/XXXX, I reactivated one, but the other account was already closed by HSBC. 
XXXX. I did live chat several times ( From XXXX to XXXX ), and they said it was closed in XXXX by the abandoned property. And I heard the valance was zero during the last three months before the closing. 
XXXX. HSBC emailed me about the e-statement until XX/XX/XXXX ( See the attached file ). Even though they have my email address, they did not notify me about the closing. Furthermore, I did not make the valance zero. ( On XX/XX/XXXX, the valence was XXXX dollars ). 
XXXX. As agents recommended, I called the abandoned property, one who received the call said they do not have my closed account. That call was made on On XX/XX/XXXX XXXX AM ( in XXXX, That is XX/XX/XXXX XXXX PM in New York ). ( Actually, the abandoned property hardly answered, never called back. ) I called the phone banking team, but they repeated that the account was closed and went to the abandoned property. 
XXXX. I left the message to XXXX @ XXXX on XX/XX/XXXX, one agent submitted an official complaint about my case, and he gave the complaint ID. The other agent tried to connect me to the abandoned property through the phone, but they did not respond for over 10 minutes. And the call was terminated. The agent called back and said she would look at it.
Consumer complaint received 2019-12-18
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

Bank stated that they were unable to verify income which was not true ... we contacted ssn office ... brought my taxes as well as showed proof of all income, also I paid for an inspection for my home and no one ever came and citizens bank never returned my money which it was told that my XXXX $ would be
Consumer complaint received 2019-12-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO. (OH)

I opened a XXXX XXXX credit card to help give me more time to pay off my Chase card. I initiated several balance transfers that went through, the third one resulted in a new balance on my XXXX XXXX card, but that same balance never came off of my Chase card. It has now been nearly two months and Chase claims to have never received the payment, while XXXX XXXX claims the check they sent was cashed a week later. This has resulted in me being unable to use my Chase card and now unable to even make the minimum payment. I essentially have been screwed into having the same balance on XXXX cards. While XXXX XXXX agreed to file a claim disputing the charge, in the meantime this has been hugely detrimental to my financial wellbeing and I will likely be unable to pay in time to prevent the Chase card being closed. This is a massive disaster that would not have occurred had either side stepped up in time to resolve this issue. They both shifted blame elsewhere and left me in the lurch even though it was not my fault, I followed the same procedure as before and they confirmed that the info I provided was 100 percent accurate.
Consumer complaint received 2021-06-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: BARCLAYS BANK DELAWARE (IL)

I recently had a very frustrating and extremely damaging experience with Barclays Bank Credit Reporting affiliated with Miles and More Barclays Card. I feel that I am owed the quick removal of the unjustified derogatory credit reporting information to restore my flawless payment history and loss of XXXX FICA points. On XX/XX/2021, I received an email notification from XXXX that my XXXXredit score had dropped XXXX points. Startled, I log in to find out what had happened. After looking through the reports I found Barclays Delaware had reported that my Miles and More card was over 30 days past due. Given that I have this payment setup automatically, I thought this was impossible. You can review my payment record and verify all payments have been delivered on time until XX/XX/2021 when the automatic payment failed. I immediately went online and brought the account current. Communication is a two way process. My issue is that despite being signed up for full automatic email notification as my preferred communication channel, Barclays did not notify me timely about the first missed payment in XXXX. Had Barclays notified me timely that there was a problem with the automatic payment in XXXX, I could have quickly made a payment and restored the automatic payment function and avoided the same issue in XXXX leading to the derogatory report and loss of XXXX FICA points. Moreover, Barclays can see that my payment record is flawless except for your unnecessary report. I called three different dispute numbers listed on the Barclays website and my card. All these numbers connected my to telephone agents in the XXXX who could not assist me except to advise I mail a complaint. I did send a complaint letter on XX/XX/2021 certified return receipt. I attempted to follow-up through several XXXX numbers but no one had any updates nor could they tell me who to call to get an update. Again, the Barclay Help calls were directed to agents in the XXXX who had absolutely no information nor latitude to assist me.
Consumer complaint received 2019-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

There are accounts on my credit report that I did not authorize. These accounts were open without my knowledge. I have already filed a complaint with Federal Trade Commission and attached you will find my Identity theft report. These accounts are fraudulent and need to be removed immediately. There was a mobile cell phone account opened in my name the balance is XXXX also a personal loan for XXXX. Please investigate immediately and remove these un authorized accounts as soon as possible. Thank you
Consumer complaint received 2019-12-17
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

ON XX/XX/2019 I SUBMITTED AN ONLINE FRAUD DISPUTE TO EXPERIAN ( EXPERIAN REPORT # XXXX ) WITH AN FTC ID THEFT REPORT # XXXX. ON XX/XX/2019 I RECEIVED A LETTER IN THE MAIL FROM EXPERIAN STATING THAT THEY HAVE CONFIRMED THAT IT WAS A FRAUDULENT DOCUMENT AND THAT THEY RESERVE THE RIGHT TO REPORT ME TO LAW ENFORCEMENT. ON XX/XX/2019 I CALLED THE FTC AND THEY ADVISED ME THAT MY FTC ID REPORT WAS VALID. ON XX/XX/2019 I CALLED EXPERIAN AND A EXPERIAN FRAUD DEPT REP ADVISED ME THAT THEY DID NOT KNOW WHY THE LETTER WAS SENT OUT BUT UPON HER REVIEW OF THE FTC ID THEFT REPORT SHE DECLARED THAT IT WAS INVALID AND WHEN I ASKED WHAT MADE IT INVALID SHE SAID IT WAS INTERNAL INFORMATION THAT SHE COULD NOT RELEASE TO ME. I NEED TO KNOW WHY MY ID THEFT REPORT WAS RULED INVALID.
Consumer complaint received 2022-05-27
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem adding money
Company: U.S. BANCORP (TX)

In XX/XX/2020, I had unauthorized charges occur on my US Bank Reliacard. I contaced US Bank immediately. The person who did these unauthorized charges was convicted of this crime. I have submitted all requested paperwork US Bank asked for, 3 times ... THREE TIMES SINCE XX/XX/2020. 

I HAVE NOT RECEIVED A SINGLE DOLLAR FROM US BANK TO REIMBURSE ME the {$6800.00} that was stolen off my card. 

XXXX XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2019-12-17
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Delta Outsource Group, Inc. (TX)

I have spoken to this company in XXXX on the XXXX and spoke to this company at XXXX and advised them not to contact my employer and that they can not contact me at my place of work. I have already submitted a complaint regarding their tactics. They contacted me again today and they left a voice message at my place of work. They called from XXXX and asked me to call them back at a different number XXXX.
Consumer complaint received 2019-12-17
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: AMERICAN EXPRESS COMPANY (CA)

I signed up for an American Express Card that offered XXXX dollars after you spend XXXX dollars in the first three months. I have spent way more then the required dollar amount in the first three months and never received the sign on bonus of XXXX dollars as promised. I reach out to American Express and they said I didn't qualify for this promotion. I can't believe they can change the terms after signing an agreement with me.
Consumer complaint received 2019-12-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: SYNCHRONY FINANCIAL (MD)

I applied on line for loans.  My credit is bad so I received very few offers.  A company called GE Capital offered me a loan of $XXXX.  I told them I would like to take the loan.  Then, they told me I qualified for a government grant.  They said I was on a recorded line and asked me if I would like to take the grant for $XXXX.  I said Yes as long as there was no cost to me.  The company then told me that in order to get the grant I had to pay $XXXX in taxes.  I told them I did not want to take the grant then.  They said they had me on a recording saying I wanted to take the grant and I had to pay the taxes.  They asked for all kinds of fees in addition and ran me all over the town getting various kinds of gift cards which I had to photograph and send to them.  I stupidly sent them approximately $XXXX  worth of cards.  They now keep telling me that the Federal Trade Commission has my file and will not release my loan and the grant funds until I pay a final $XXXX.  I know that I have been scammed.  I just wish you could help put a stop to this so it does not happen to others.  I went online and saw the bad reputation they have.  I wish I had looked before I agreed to deal with them.  Apparently, they are not even affiliated with XXXX XXXX.These incidents began on Thursday, XX/XX/XXXX and are continuing today.  The telephone number that they use to call me is XXXX   It comes up as a Texas number.  The people who call sound like they are either XXXX or XXXX
Consumer complaint received 2019-12-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Jim Bottin Enterprises, Inc (MD)

On XX/XX/19 ABC Financial services took XXXX from a card they had no authorization to do so. They took 4 monthly payments in one day. This was for a XXXX XXXX account that had been closed on my end due to a documented XXXX. They deny taking money from my card and say it fame from the bank account they had on file which is not true
Consumer complaint received 2024-03-17
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. (LA)

I spoke with Equifax fraud dept on several occasions also provided FTC and Police report I was told all time that these fraudulent inquires would be deleted from my consumer report but yet they are still being furnished. This is my 3rd complaint via CFPB to Equifax regarding these inquiries DELETE THESE FRAUDULENT INQUIRIES. This is the confirmation code I was given from a previous dispute confirmation # XXXX stating these inquires would be deleted. I Also received CFPB complaint back on XX/XX/XXXX that the inquires would be deleted and its still being furnished on my credit file. 
XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX Under section 604 of the Fair Credit Reporting Act ( FCRA ) explains that the permissible purposes listed in FCRA section 604 ( a ) ( 3 ) are consumer specific, and it affirms that a consumer reporting agency may not provide a consumer report to a user under FCRA section 604 ( a ) ( 3 ) unless it has reason to believe that all of the consumer report information it includes pertains to the consumer who is the subject of the users request. The Bureau notes that disclaimers will not cure a failure to have a reason to believe that a user has a permissible purpose for a consumer report provided pursuant to FCRA section 604 ( a ) ( 3 ). This advisory opinion also reminds consumer report users that FCRA section 604 ( f ) strictly prohibits a person who uses or obtains a consumer report from doing so without a permissible purpose.
Consumer complaint received 2021-06-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (TN)

Submitted a loan application with the 6 pieces of information for XXXX with Pennymac. The loan officer called me from XXXX XXXX XXXX and said his name was XXXX XXXX XXXX XXXX XXXX. He has what my credit score was, I told him I was not sure and I gave him verbal permission over the phone to pull my credit and he told me to go to XXXX. I explained I had already done that and those scores are usually 10-20 points higher than the XXXX XXXX  credit report mortgage companies use to make a credit decision. He put me on hold when I asked him to pull my credit for 10 minutes, came back and still had not pulled my credit and again told me to go to XXXX. Pennymac is my current mortgage lender and I was trying to refinance my home thru them. I asked for his name and number and the information on him was not valid, I asked for his supervisor and it took him a few minutes to get me that and was was told XXXX XXXX XXXX XXXX XXXX and I called that number and it is not valid.
Consumer complaint received 2019-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

There are accounts on my credit report that I did not authorize. These accounts were open without my knowledge. I have already filed a complaint with Federal Trade Commission and attached you will find my Identity theft report. These accounts are fraudulent and need to be removed immediately. There was a mobile cell phone account opened in my name the balance is XXXX also a personal loan for XXXX. Please investigate immediately and remove these un authorized accounts as soon as possible. Thank you
Consumer complaint received 2023-01-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

This company ( XXXX XXXX ) has harassed me for years stating that I owe money to XXXX XXXX Apartments. I never lived in these apartments. I repeatedly told them this only to be treated disrespectfully and rudely. Over and over again. I am in the process of taking out a loan and this is showing on my credit report which is delaying my loan approval. I called and spoke to the owner of the company who told me that I do not owe this money but states that he can not give me a letter on letterhead stating that I do not owe this money because his company does not do this. The owner states that Experian put this on our credit report. Not him. He refuses to help in anyway to clear this fraudulent charge on my credit report.
Consumer complaint received 2019-12-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

On XX/XX/2019, I was scammed. I did receive a call stating that they were for a financial institution and they were offering financial rewards. They accessed my account and deposit fraudulent checks, and then made me pay more than XXXX $ back in order to get my rewards. USAA froze my husband 's account because I am an authorized signature making him failed in our home, car payments. USAA took from my husband XXXX from his account when this situation was due to scam. All my husband 's income goes in there. My husband has been contacting them several times since XX/XX/2019, and they do not want to unfreeze his account. Also, they failed to provide us the proof with all notes of the fraud analyst in why the made the decision to made me responsible for all scam charges. we have been contacted the bank several times and they are failing in provide case number and letter in how they based the decision. I am requesting that my husband 's account be unfrozen in order for to him make his payment of our children 's roof. If they don't do we will lose our children 's house.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CLGF Holdco 1, LLC (TX)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose
Consumer complaint received 2022-01-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (PA)

I had a XXXX limit on one Chase credit card and a XXXX dollar limit on another Chase card. I was over my limit by only less than XXXX dollars on the one card and under my limit on the other and they closed both accounts roughly last week ( around XXXX XXXX 2021 ). 

Ive made payments every month, have had the cards for a while. They just closed my account and tanked my credit score in return.