davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-26
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: CITIBANK, N.A. (VA)

I purchased an appliance from bestbuy in XXXX that was defected and in XXXX after weeks of being tossed around finally they agreed to replace it. the same unit had the same problem after handful of uses .Apparently, this model is defected. However, Bestbuy does not want to deal with it. XXXX washer should not breakdown after 4 washes. I refuse to repair XXXX unit that is brand new. That is unacceptable. However, Bestbuy is brushing me off I called Citibank to dispute the charge for the unit since I got this credit card from bestbuy when I was purchasing the unit. On the phone 3 days ago they informed me that since the charge is few months old I have to put it in writing. SO I did. 
They called me 3 days later from President 's office  that they can not help me and I have to go back to bestbuy. This is absolutely unacceptable since they have to protect the consumer. The woman named XXXX XXXX who kept telling me that she is from President 's  office and there is no one else to go to and she will not talk to me about this again just told me that " it is what it is ''. 
There have been couple of other occassions in past few yrs that a purchase was 3-4 months old and any other credit card company such as XXXX XXXX XXXX or XXXX XXXX reviewed the case and determined that the defected unit should have been addressed by the store and stepped in to protect the consumer. However, since Bestbuy and Citibank work together to sell products they refuse to step in. I asked her for their management and review of policies and the woman said she will send me in 2 weeks and there is no one above her for me to talk to. I have seen numerous reviews by other consumers complaining of the same issue with this credit card company. Unbelievable! 

This is clearly a defected unit and I am left with {$1000.00} charge and no help.
Consumer complaint received 2024-03-14
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Cornerstone Holdings, Inc. (AK)

XXXX ( XXXX XXXX XXXX ) has many problems with it's billing department. We have tried to pay any bills incurred as we are notified of them, however their billing is very unclear and sometimes mistakes for other bills that have already been paid. When trying to pay on their website, they evidently require supposed account numbers and such information that should be unnecessary to simply pay a bill, especially since we don't have access to all of those account numbers and information they're asking for. Shouldn't they have this information if they're billing us, so we can just pay them? 
There has been no notification from XXXX that any of these bills have been submitted to collections, however, we continually get calls from Cornerstone Credit, threatening to garnish state issued money- in spite of us telling them that we have been in contact with our insurance and XXXX to deal with the billing issues. However, Cornerstone continues to harass and threaten us about the situation. 
We have been in regular contact with XXXX through all of the billing periods in question and we are intent on solving the situation.. however Cornerstone Credit is only causing stress, anxiety, and duress- very unnecessarily.
Consumer complaint received 2017-12-27
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

I already blocked their number, but keep calling and do n't leave a message. They call 3 to 4 times a day everyday. I dealt with the same debt collecting agency before and they 're rude and inconsiderate thats why i do n't answer their calls anymore.
Consumer complaint received 2017-12-27
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: Experian Information Solutions Inc. (AR)

Experian continues to report a XXXX XXXX account on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything. I contacted the creditor which is XXXX XXXX and they sent me the attached letter stating that they are unable to find an account for me. THIS IS NOT MY DEBT! I WANT THIS ACCOUNT REMOVED FROM MY EXPERIAN CREDIT REPORT IMMEDIATELY!
Consumer complaint received 2024-03-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Block, Inc. (NY)

On Sunday XX/XX/year> an order was made to vendor XXXX for gym clothes. The checkout I chose afterpay however once order was placed it had the wrong name for billing and shipping and still it used my debit card for the purchase. The name and address of shipping and billing is wrong. It is not the name on my card nor is it my shipping address. vendor has not responded to request to correct and afterpay just keeps sending receipt of complaint however no resolution. I have reached out to the vendor and still have not had any response. As of today, the order has not been placed, and afterpay is still trying to charge me. one payment has already been taken from my account.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To Whom It May Concern : I am a victim of identity theft. The fraudulent information listed below is showing on my credit file but is not mine. I am officially disputing the fraudulent information and request an immediate investigation. Please remove the fraudulent information immediately from my file. 

Account : XXXX  XXXX XXXX XX/XX/year> Once the fraudulent information has been removed, please send me a copy of my corrected credit report. 

I look forward to hearing from you soon. 
Sincerely, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX CA XXXX
Consumer complaint received 2020-11-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (CA)

I opened an account with Coinbase, Inc., several years ago. I used that account to purchase and sell digital currencies such as Bitcoin. It has been some time since I last accessed my account. When I tried to gain access to my account over one week ago, Coinbase locked my account presumably because of an issue with the authenticator application. My authenticator application that was once linked to Coinbase was disconnected. For me to reset my password and gain access to my Coinbase account, Coinbase 's online instructions state that I must log into my account and link my authenticator application through the Coinbase settings. But this process is circular and leads me to a dead end. I need the authenticator to provide me with the code I need to log in, but the authenticator will not work until I log into my account. 

Coinbase does not have live support. I have emailed their helpdesk multiple times and nobody has reached out either by email or telephonically. This is important because I have deposits in that account and Coinbase 's inability to respond and get me the help I need to gain access to my account is unacceptable. Coinbase should not be serving consumers if it does not have the infrastructure to provide timely account support. I may have lost significant amounts of money due to my inability to log in and find out about the status of my cryptocurrencies, which as one might expect is a volatile investment.
Consumer complaint received 2017-10-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION (CA)

Dear Consumer Financial Protection Bureau, Please help I am about to lose my home because SN Servicing CorporationXXXX XXXX phone # XXXX ext. XXXX - XXXX  who refuses to provide me with a payoff statement in order for me to sell my home, it is over 2 weeks since I requested for a copy and all they do is keep lying to me stating that they need to gather information. 
Now I have a foreclosure sale date set for XX/XX/2017. 

I was forced to place my home on the market to avoid foreclosure because SN Servicing CorporationXXXX XXXX claims that my original balance went from {$39000.00} to {$80000.00} within 6 months. 

Now I have no choice to sell my home because SN Servicing Corporation/XXXX XXXX keeps manipulating the balance that way the sell of my home does n't go thru. 


This seems to me that SN Servicing CorporationXXXX XXXX is delaying this on purpose to foreclose on my home. I have done everything that they requested and its not fair to me and my family to be treated this way. 

We have a foreclosure sale date coming up on XX/XX/2017 and SN Servicing CorporationXXXX XXXX looks like all they want to do is taking advantage of my situation. 

I requested for a manager and she tells me that she is out on vacation and wont be back until the end of the year. 

Please help!!!! 


XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2017-12-26
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Texas Guaranteed (WA)

A company named " XXXX XXXX ( XXXX ) '' started sending me emails about my XXXX student loans. I asked them to stop emailing me. They said they would not. The email address being : XXXXXXXXXXXX. I told them they were spamming me about a student loan that I had made payments on the week prior and informed them I would report their email as spam.
Consumer complaint received 2017-12-26
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CA)

This complaint is in reference to Mortgage XXXX with Freedom Mortgage at XXXX. My calculations that Freedom Mortgage is over-escrowing for property taxes and has not responded to me request to pay supplemental tax bills from this overfunded account. I called initially for an escrow analysis on XXXX XXXX, XXXX and followed up on XXXX XXXX, XXXX and any again on XXXX XXXX, XXXX. In each interaction Freedom Mortgage refused to complete the escrow analysis citing concerns about needing to wait until XXXX. I believe this is violation of RESPA which requires a maximum escrow cushion of 2 months. I have logged my compliant with XXXX XXXX XXXX on XXXX XXXX, XXXX.
Consumer complaint received 2024-03-13
Product: Payday loan, title loan, personal loan, or advance loan — Pawn loan
Issue: Charged fees or interest you didn't expect — 
Company: Solar Mosaic LLC (CT)

A couple of years ago I installed Solar Panels on my roof in an attempt to save money. But that has become a nightmare. To begin with, make a long store shorter, XXXX XXXX. the company I signed the project with set me up on a LOAN that I did NOT know about it. The salesperson from that company ( XXXX ) put some Loan paperwork among the papers I had to sign but had never told me that I was signing a loan agreement. When I contracted the solar company, I had in mind that was going to continue paying my electric bill to a new company XXXX XXXX. He did NOT tell me that I was getting a LOAN! 
The charges started to come and I was very upset about it. But could NOT do anything more, I signed the documents and did NOT read them as I was so sure that I wanted to get solar on my roof. 
But lately, Solar Mosaic ( The Loan Company ) has found a way to extra-charge me every other month. I have been making payments from the same bank account since day one. The ROUTER number has always been the same as well. I schedule my payments usually a week before the due date. But every other month the payment does NOT go through. I have called in regarding that matter and sometimes they said the ROUTER number was wrong, and other times they said there was NOT enough found in the account ( All XXXX ). I DO NOT PAY my bills late, just look at my credit history ( rate ). The worst part is that they're generating fees for late payments when I KNOW that the payment was NOT late, and I know that the payment was NOT processed as I have checked with my Bank every time that that happened and they could find an attempt to process any payment from my account.
Consumer complaint received 2021-10-04
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. (FL)

On XX/XX/XXXX of this year, I received a letter from CHASE bank notifying me that my credit card account would be closed on XXXX XX/XX/2021 because CHASE had previously closed a previous account. 
This card, which the bank has unfairly decided to close, was opened this year when I applied for rewards at XXXX XXXX XXXX. Once I received this credit card that was issued by CHASE, I believed that the bank had already reviewed everything and decided to approve me and that there would be no backtracking in this decision. 
I was approved and started using it and accruing benefits soon. 
It is the second time that I have suffered unjustly this type of damage from this institution. Last year without any explanation, my business account was closed despite the claim that I made and this year while I was enjoying the benefits of this second chance with this institution, I also received this discriminatory action towards my person and my credit. You can check my credit history to verify that I take good care of my finances and I consider this to have happened as a violation of my rights because I have not committed any fault for them to take this type of action on me and affect my economy. 
I am very sorry that this type of situation is repeated and affects people like me who do not deserve this type of damage due to unfair and discriminatory decisions. 
I hope you can reverse this situation and give me the opportunity to reestablish good relations with this banking institution. 
I can attach a copy of the letter issued by the CHASE bank last XXXX.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CarMax, Inc. (NC)

An accordance with the Fair Act Credit Reporting Act. this creditor has violated my rights under 15 U.S.C 1681 Section 602 states I have the right to privacy. 15 U.S.C 1681 Section 604 & Section 2, it also states a consumer reporting agency can not furnish an account without my written instructions under 15 U.S.C 1666b, a creditor may not treat a payment on credit card account under an open and consumer credit plan as late for any reason.
Consumer complaint received 2019-10-27
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. (OH)

My only name should appear as XXXX XXXX XXXX my SS XXXX my DOB is XX/XX/XXXX please remove any variation on my name and SS #. 
This is the 2nd or 3rd time I have file a complaint .I recently started looking over my credit report and I found accounts and addresses that I do not live at on my credit report. I have requested the following companies send me legal documents that verify name address who, what, where, why, when where these accounts opened. I didnt receive any response back. The following account are not mine : XXXX XXXX XXXX # XXXX****, XXXX XXXX XXXX # XXXX****, XXXX XXXX XXXX XXXX XXXX****, XXXX XXXX # XXXX****. 
There is a bogus SS number on my Experian report ( XXXX ) XXXX XXXX has These are the unknown addresses on my credit report : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX, OH XXXX I was told to file a police report and a FTC report.
Consumer complaint received 2017-12-26
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. (TX)

Equifax has my name incorrectly listed as XXXX XXXX XXXX XXXX. 

Furthermore the following addresses need to be deleted as I have never lived there or they or more than 5 years old. 

XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, TX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

XXXX, XXXX, AND TRANSUNION ALL RESPONDED TO MY REQUEST TO VALIDATE AND VERIFY CERTAIN ACCOUNTS ON MY CREDIT REPORT TO MAKE SURE THEY WERE XXXX PERCENT ACCURATE. XXXX RESPONDED ON XX/XX/2022, XXXX RESPONDED ON XX/XX/2022 AND TRANSUNION RESPONDED ON XX/XX/2022. ALL 3 CREDIT BUREAUS STATED THAT THE ACCOUNTS WERE INVESTIGATED, VERIFIED, AND XXXX PERCENT ACCURATE. 

BUT HOW IS THIS POSSIBLE IF THE ACCOUNTS HAVE DIFFERENT OPEN DATES WHICH ARE ALL INCORRECT, THE DATE LAST ACTIVE IS INCORRECT AND THE DATE LAST REPORTED IS INCORRECT? THIS IS GROUNDS FOR REMOVAL BECAUSE IT IS PROOF THAT AN INVESTIGATION WAS NOT CONDUCTED PROPERLY AND THE INFORMATION IS NOT XXXX PERCENT ACCURATE PER THE LAW. 

THEY HAVE ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 604 A SECTION 2 : WHICH CLEARLY STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT WRITTEN INSTRUCTIONS. 

I HAVEN'T GIVEN THESE COMPANIES WRITTEN PERMISSION TO FURNISH THESE ACCOUNTS ON MY CREDIT REPORT AS WELL. 

THE FOLLOWING ACCOUNTS NEED TO BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY : 1 : XXXX XXXX XXXX ACCOUNT # " NO ACCOUNT NUMBER WAS REPORTED BY NONE OF THE CREDIT BUREAUS '' 2 : XXXX XXXX XXXXXXXX XXXX ACCOUNT # " NO ACCOUNT NUMBER WAS REPORTED BY NONE OF THE CREDIT BUREAUS '' 3 : XXXX XXXX XXXX XXXX ACCOUNT # XXXX ( XXXX ) AND ACCOUNT # XXXX. ( REPORTED TO DIFFERENT ACCOUNT NUMBERS ) I HAVE ALSO ATTACHED PICTURES OF MY CURRENT CREDIT REPORT SUPPORTING MY CLAIM AGAINST THESE CREDIT BUREAUS.
Consumer complaint received 2022-03-10
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: EQUIFAX, INC. (FL)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2020-05-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

XXXX XXXX XXXX is trying to collect a debt which is not mines ; which is also pass the STATUTES OF LIMITATIONS ; Open Accounts : 4 years O.C.G.A. XXXX. 

All of their reps that I have tried to communicate with was very unethical. 

XXXX XXXX XXXX refuse to send any written signed contacts or any verifying data about this fraudulent account.
Consumer complaint received 2017-12-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

When I opened my checking account with Capital One 360 I was enrolled in a promotion " Open a new Capital One 360 checking account by XXXX XXXX, XXXX and receive XXXX direct deposits of {$250.00} or more within 60 days of accepting the terms. You must also use the reference code XXXX. '' I entered the promotional code and completed the requirements of the promotion as required and never received the {$400.00} bonus stated in the terms. Qualifying Direct Deposits include payroll through an employer, Social Security XXXX XXXX Deposits, Fixed Income Direct Deposits, and government benefits ; I received XXXX ACH deposits of {$250.00} each on XXXX XXXX, XXXX, and XXXX XXXX, XXXX, they were both payments from my part-time employer XXXX and XXXX.
Consumer complaint received 2024-03-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (MI)

Ive had Venmo for years, on XX/XX/XXXX I tried to cash my boyfriend tax refund check on my Venmo account because I had heard that they let you cash checks and he doesnt have a bank account of his own to use. It didnt let me cash his check which was fine. So he made a Venmo account of his own and cashed it on his account. Then he sent me XXXX to buy our kids some things and I used my Venmo card almost 2 days then Saturday XX/XX/XXXX afternoon they emailed me saying they froze my account but didnt say why. I asked them why multiple times, they asked for a picture of my ID so I sent that to them, even though they already have my social security number and everything else. They still did not unfreeze my account. This morning they emailed me saying my account is being permanently deleted and that they are keeping my money for loss prevention. This is my money. This is not okay. I have no idea what to do or what I can do