davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (VA)

There was a check deposited into my SunTrust bank account 3 weeks ago and according to SunTrust bank the check was returned. Since this was established, my checking account has been frozen. I called the bank and I asked will I be able to withdraw my Social Security XXXX insurance funds when it's available, and I was told that I could retrieve my funds on the day of deposit by going to a branch location. That was obviously a lie. According to this financial institution, my account is under investigation, and this so called investigation is going on 4 weeks. I was told today that there is no certain time when my funds will be available to me and I know from dealing with XXXX  XXXX XXXX that a financial institution can not hold government funds from individuals like they are doing.
Consumer complaint received 2022-04-27
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: Experian Information Solutions Inc. (FL)

In Accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  Account # XXXX has violated my rights. 

XXXX  Account # XXXX has violated my rights. 

15 U.S.C 1618 Section 602A states I have the right to privacy. 15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1618c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antecedents the report by more than seven years. 

15 U.S.C 1618 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2021-05-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lending Club Corp (FL)

I WAS A VICTIM OF IDENTITY THEFT AS A RESULT THESE ACCOUNT WERE OPEN UNDER MINE AND TAXES, PERSONAL LOAN UNDER MY NAME XXXX  # XXXX ... SYNCB/ROOMS TO GO # XXXX. 
ADS/COMENITY/WESTELM # XXXX ... XXXX BANK # # XXXX PORTFOLIO RECOVERY # XXXX,, LENDING CLUB CORP XXXX XXXX
Consumer complaint received 2021-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (CA)

a charge was made on my XXXX chase visa card on XXXX XXXX for {$1000.00} from XXXX XXXX XXXX XXXX ca XXXX a mobile app ( i dont have one ) for a apple i pad, it was picked up with no id or signature, Chase sent me a e- mail fraud alert asking if i made this purchase, i hit the red bar and sent NO i did NOT make this purchase, they called right after and said the cancelled my XXXX cards and would sent new ones in 4 days, they did, I talked to 4 different departments at chase with NO luck, they kept saying i benifted, even after they said they knew of XXXX XXXX and XXXX  scams on their cards
Consumer complaint received 2019-03-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (NJ)

There are false/misleading advertising methods used by Coinbase for its  referral program. In XX/XX/XXXX during the height of the cryptocurrency craze, I was referred to Coinbase by a website dedicated to sharing information about Bitcoin and other cryptocurrencies. Upon signing up, Coinbase told me, " Introduce a friend to Coinbase. You will both get {$10.00} of free Bitcoin when your friend buys or sells at least {$100.00} of digital currency. Learn more. '' After I signed up, verified and confirmed both my account and identity, and purchased at least {$100.00} worth of Bitcoin, Coinbase has been giving me a million and one excuses under the sun as to why they can not issue me the {$10.00} as promised. I have been inquiring about this issue for well over a year and absolutely nothing has been done. I reached out to Coinbase online support at least twice with the same, tired, generic unhelpful responses to my issues. 

In XX/XX/XXXX, I called Coinbase and spoke to a representative named XXXX and a supervisor named XXXX. Both were unhelpful and all they could do was decline me proper assistance, " understand '' and " apologize. '' They verified that I was referred, but they say because it is their " automated system '' that makes the final decision, that I am not entitled to my promised {$10.00}. So it's okay to XXXX over loyal customers, especially as long as you endlessly " apologize '' for the inconvenience and blame the inconvenience on the automated system that you refuse to fix, right Coinbase? 

I am absolutely disgusted with this company and their lack of competence and ethics. This is similar to bait and switch tactics of other companies and it is highly unethical for Coinbase to not take accountability for their wrongdoing whatsoever in this situation. They hide behind their " automated system '' that they have created to refuse customers their rightfully earned {$10.00}.

How is a business even allowed to operate this way? How can a business have zero regard for their customers? Coinbase can operate a site, a whole trading system, etc yet they can't issue {$10.00}? Futile apologies simply do not solve problems. My expectations STILL have not been met and this is extremely unfair to the customer.

I filed a complaint with the XXXX XXXX XXXX and Coinbase refuses to reach out to me and the XXXX about this issue. The XXXX actually tried to contact Coinbase twice and had to close my XXXX case due to " no response. '' Coinbase also closed all of my Coinbase cases and marked them as " resolved '' against my will.

I have been in a few similar situations like this before with other companies and it was always determined that the company was in the wrong and they paid me accordingly. So I'm going to need Coinbase to fully cooperate and give me what's due. Thanks.
Consumer complaint received 2023-01-09
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. (GA)

I've sent several letters to the credit bureaus and XXXX company in reference to removing late payments from my credit report because it is unlawful. I have tried to send XXXX XXXX  letters as well due to my medical emergencies and XXXX  but they did not attempt to resolve it and assist me even though I have currently caught up on my payments.
Consumer complaint received 2021-05-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Berlin-Wheeler, Inc. (Kansas) (NJ)

Berlin Wheeler has been claiming I owe them money for an account that is not mine. Someone had an account and used enough of my info to have company think I owe them money. This started in XXXX. I worked with XXXX  who attempted to solve the problem. Berlin Wheeler is not listening to XXXX  XXXX from XXXX  case report XXXXThe information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. ) My credit score has dropped by almost 100 points. They are strong arming me to pay a debt that is not mine. I at at a loss.
Consumer complaint received 2021-05-04
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (OR)

I opened a Checking and Savings account with Citi bank in XX/XX/2020. The had a promotion " LIMITED-TIME OFFER EARN {$700.00} when you open new eligible checking and savings accounts and complete required activities ''. I have completed the required activities. I have waited required 60 days ( time to maintain XXXX balance XXXX +90 days ( time to wait for the reward ). I deposited these funds on XX/XX/2020. 

Their " online chat '' representative said this : " I see that you deposited the funds within 30 days from the date of account opening and maintained them for 60 consecutive days. 
... 
The bonus will be credited into your account anytime within the 90 days from the date of completion of the 60th day. 

That is you will be receiving the bonus within the end of first week of XXXX. 
... 
I see that the deposit is made on XX/XX/2020 and it is cleared on XX/XX/2020. So the period ends by the first week of XXXX. '' It is now XX/XX/XXXX. Even using their " cleared '' date, the waiting period has now exceeded the advertised 90 days. I still do not see the {$700.00} in my account. These dates are not difficult to calculate. They are clearly not following their own terms of the agreement.
Consumer complaint received 2021-11-11
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. (IN)

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.
Consumer complaint received 2022-04-01
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WI)

This company keeps unrelentingly calling me daily and sometimes multiple times a day. It has been over a year. They claim I have debt or mortgage due but it is not my debt or mortgage and they have not proven it was mine. I have asked them to stop contacting me and calling me but they continue. I have been threatened that I will be arrested if I do not follow instructions. I have blocked their number but the company keeps calling me under multiple numbers! Blocking them does not help. Please tell them this is harassment and to remove me completely off their call list.
Consumer complaint received 2021-07-09
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

It's been well over a year now, and I'm still battling with XXXX  and Experian to review my credit and remove a fraudulent medical account. After reading their website, the FTC internet site, and justice departments website I gained the instructions to fix your credit when identity theft happens. All required documents have been submitted, and these companies won't comply. This is my second complaint against them. I know deep down that they are Intentionally keeping these accounts on my reports and other Americans so they can continue to collect monthly reporting premiums from the collection agencies. Why else would they review my documents and completely ignore them? Every time I call there is a person with a thick accent that is trying to sell me credit monitoring!! All they care about is money, and the XXXX 's and leaders of these companies should be ashamed of themselves. These collections are keeping me from moving forward on some life goals so my family can have a nicer school to attend. Thank you CFPB for being here for us.
Consumer complaint received 2022-04-27
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: EQUIFAX, INC. (KY)

My wallet got lost years ago I never made a police report because it was returned I never relieved these until I started to understand my credit report and relieved these XXXX XXXX XXXX account and inaccurate and Unauthorized things along with name change and wrong address which were deleted
Consumer complaint received 2021-05-24
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: LEXISNEXIS (NY)

My name is XXXX XXXX XXXX My mom name is XXXX XXXX Her husband name is XXXX XXXX I XXXX been an victim of identity theft since the age of XXXXXXXX XXXX Where before I came out of my group homes my mom XXXX and her husband XXXX which is my step father been using my social To run up bad debt before I even had the chance to use it for myself Lexis nexus another data company that they option me out of, so that I wouldnt be able to see certain accounts on my report knowing an regular consumer report has a way of receiving its information and now me being XXXX it is effecting judgements liens before I was even able to get a job, my social they use to require jobs, phone bills mortgages insurance benefits Wasant informed of nothing nor received the help from the benefits. 

The reason I was in the group homes was because of abuse I have called them and know this is finical abuse can somebody please Let XXXX XXXX XXXX core logics lexis nexus Mortgages insurances judgements liens auto insurance I have a XXXX since I was young. My mom use to get benefits for me being XXXX. Idk who they are getting away with this stuff the scandalous activity needs to stop its not just like a somebody puck up my social and used it once or twice this is a whole operation they been doing and I have got the police Irs trade commission and have contacted legal services for an attorney the proper and legit way please give me some understanding. There XXXX XXXX they was not XXXX XXXX XXXXXXXX. I was they look at me like money gold mine because I was XXXX XXXX XXXXXXXX they are not from untied states.
Consumer complaint received 2024-02-02
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. (LA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : US DEPT ED Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-04-01
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: CITIBANK, N.A. (TX)

I have had major Identity theft issue, I had my mail box key stolen from car, and wallet with Drivers license also stolen. 3 fraudulent accounts were opened tour took in care of fairly fast but this third one city group continues to be an issue for me. I have included in this email please report over included two other documents stating fraudulent activity and a letter stating security breach, where they had access to vital information. 
I also have documented/diagnosed XXXX  XXXX which Makes things even harder for me. The other two credit companies immediately closed accounts and took it off my report, City card has done nothing to help ijust giving me numerous threatening calls and threatening letters. I have have perfect credit my whole life no late payments know anything I give you permission to look up this information to prove this. I have a diagnosed/documented XXXX XXXXXXXX and I believe they may be discriminating against me because I dont understand a lot of stuff theyve been sending me Citi Card ending XXXX XXXX
Consumer complaint received 2021-07-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (WA)

Cardholder made a fraud claim because the cardholder himself, including his wallet, was in the custody from XX/XX/2021, until XX/XX/2021, and he did not know that until the overdraft protection kicks in.
Consumer complaint received 2024-02-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I'm disputing the late payments status on my credit report for certain accounts due to a system glitch in the creditor 's system. They admitted the mistake and agreed to correct it to a positive status. Please update my credit report accordingly. Thanks.
Consumer complaint received 2020-11-22
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: U.S. BANCORP (WA)

I bought a US Bank prepaid visa for {$490.00} from XXXX The card never worked, the call center staff is not equipped to see the issue or help out asking me to wait for 24 hours and making stupid statements like the cards may not work at XXXX, i had bought more than 1 card and all the others worked at XXXX without any issue. 

I waited for more than 48 hours and it still didnt work, the call center staff again told me I just need to wait for 24 more hours.

This is a pattern with US Bank in deliberately not activating cards properly and holding onto consumer money and hoping they dont ask for it back using regulators. Its either incompetence or malice but deliberate in both cases as they have had these issues for years and refuse to invest and fix them. 

Despite multiple attempts to check registration online, change pin etc. I have been unsuccessful. The supervisor at the call center was also not able to help me out and I am literally out of options. She tried to register and told me it would solve the issue and its still not.
Consumer complaint received 2018-06-10
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. (GA)

1. XXXX  Account : XXXX : Creditor appears to be re-aging this alleged debt. Reporting date of last payment is XX/XX/XXXX. The alleged debt should be listed over 180 days late and charged-off. Creditor is reporting erroneous information.

2. XXXX Account : XXXX  : Creditor appears to be re-aging this alleged debt. Reporting date of last payment is XX/XX/XXXX. The alleged debt should be listed over 180 days late and charged-off. Creditor is reporting erroneous information.

3. XXXX Account : XXXX : Creditor appears to be attempting to collect an alleged debt they reported to the IRS as forgiven under XXXX. Creditor reserved no claim to continue attempting collection and referenced no other incident requiring an IRS notice. Either creditor gave false information to the IRS or is attempting to collect a forgiven alleged debt. Creditor is reporting erroneous information.

4. XXXX  Account : XXXX  : Creditor appears to be attempting to collect an alleged debt they reported to the IRS as forgiven under XXXX. Creditor reserved no claim to continue attempting collection and referenced no other incident requiring an IRS notice. Either creditor gave false information to the IRS or is attempting to collect a forgiven alleged debt. Creditor is reporting erroneous information.

5. XXXX XXXX XXXX XXXX  : XXXX  : Creditor appears to be attempting to collect an alleged debt they reported to the IRS as forgiven under XXXX. Creditor reserved no claim to continue attempting collection and referenced no other incident requiring an IRS notice. Either creditor gave false information to the IRS or is attempting to collect a forgiven alleged debt. Creditor is reporting erroneous information.

6. XXXX XXXXXXXX : XXXX  : Creditor is reporting incorrect invormation on the report. Debt amount is under {$20000.00}.

7. Creditwise, XXXX XXXX, XXXX, Equifax : Each are under-reporting my on-time payments currently at 99 %. This specific reporting has a very high impact on my credit score.

8. Creditwise, XXXX XXXX, XXXX, Equifax : Each are over-reporting my credit use, currently at 5 %. This specific reporting has a very high impact on my credit score.

9. Creditwise, XXXX XXXX, XXXX, Equifax : Each are under reporting my available credit.

10. Creditwise, XXXX XXXX, XXXX, Equifax : Each are not reporting my XXXX XXXX XXXX XXXX  Account with an available balance of {$4000.00}.

11. Creditwise, XXXX XXXX, XXXX, Equifax : Each are improperly reporting a Chapter XXXX   Bankruptcy which was dismissed and filed nearly 8 years ago. THis should be removed.
Consumer complaint received 2022-09-18
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. (TN)

In accordance with the Fair Credit Reporting Act, XXXX XXXX  XXXX Reference # XXXX has violated my rights. 

15 US C 1681 Section 602 states, I have a right to privacy.

15 US C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-05-04
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. (VA)

Experian, XXXX  and XXXX are reporting incorrect information regarding the following dispute : 1 ) Bankruptcy ( XXXX ) failed to report the correct claim and liability amount. See attached report from Experian. 

2 ) XXXX XXXX ( XXXX ) failed to report the correct balance and has never been late 3 ) All of the XXXX/XXXX XXXX ACCOUNT was paid in full and never late.