davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (GA)

Hello I deposit a check from a XXXX job I did, and my check successfully cleared on XXXX XXXXas I proceed to access my funds and make payments everything declined.so I went inside CHASE BANK myself to see what is goin on and they told me my account is restricted and she gave me a number to call.So I give chase customer service a call to find out whats going on, FIRST they told me my account has been restricted and I need to go into bank with forms of ID which I have already done before calling.I call the number numerous occasions trying to resolve and prove my identity, but as I spoke with them I was told a SECOND reason my account is on hold so that chase can verify my check deposit.REMINDER my check is legitimate and was cleared and AVAILABLE on XX/XX/XXXX as I explained to them.the customer service lady was very rude and rushed me off the phone as if Im a criminal its very unprofessional of them.so the next day I kept calling to speak with someone again and make a complaint about there customer service on XX/XX/XXXX I was notified my account is closed with Debit DDA CHECK CHARGE on my statement and my balance that was left after closing was pending.so I called again on the XXXX of XXXX to see when will I receive my funds after my account was already closed and the lady couldnt give me a time frame ( although she work with chase was strange to me ) so she suggested that she would transfer me to another department to see how long it will take for them to send my funds.I was on hold for LITERALLY for 2hours waiting and nobody connected my call and the phone hung up on there end. I honestly wanted to cry because I felt like they didnt want to help me they want hold my money from me which is illegal!
Consumer complaint received 2018-02-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (FL)

I filed online dispute XX/XX/XXXX. Contacted XXXX with certified mail included documentation that was signed for XX/XX/XXXX by someone at company. Requested validation of debt in letter XX/XX/XXXX. No contract with this company must remove debt from credit file ASAP!
Consumer complaint received 2021-06-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (MI)

Coinbase Case # XXXX - Can not View XXXX Opened a support case on XX/XX/XXXX. The issue had been going on for a week or more. Using the app, I can see my balance but when I try to look at my portfolio breakdown, it pops up with a message " We're having connection issues please try again later ''. I have not been able to access my funds for nearly three weeks! 

Support has been no help at all, can't get help from a real human being. I have over $ XXXX in Coinbase that I can not touch at this time!
Consumer complaint received 2017-11-28
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: Fidelity National Information Services, Inc. (FNIS) (PA)

My complaint # XXXX about Chexsystems regarding XXXX XXXX XXXX account # XXXX still has not been resolved. The paperwork provided by XXXX  XXXX XXXX does not validate the alleged amount owed ( {$880.00} ). This is my third request for a re-investigation.
Consumer complaint received 2021-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I have been disputing incorrect, outdated, obsolete and erroneous negative information on my credit reports since XX/XX/2021 from TransUnion, and they continue to update the information and report it as fraud. I requested that they delete and remove and inaccurate information from my credit reports, but they keep reporting the information as accurate and verified AFTER the agency reporting the information corrected the incorrect information being disputed. According to the Fair Credit Reporting Act, the credit bureaus are supposed to remove any inaccurate information and report it 100 % correct. I did factual disputes and found many accounts reporting negative information on my reports causing me to have a lower credit score resulting in denial for credit and higher interest rates. I believe I am being unjustly discriminated against because of this E OSCAR verifying system. I would like for these negative accounts that I have challenged and disputed, and continue to dispute and challenge, over the last several months be removed from my credit report. To put it bluntly, it is like XXXX, TransUnion and XXXX  are purposely allowing this negative information to remain on my report. It is almost useless to use the disputing process as prescribed by law if it will not be followed by the credit bureaus.
Consumer complaint received 2023-01-19
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ProCollect, Inc. (TX)

I explained in detail I have very little money and will never be able to pay this bill. I asked they stop calling. They have called almost every day for months and months and months. I have had to buy a XXXX XXXX XXXX that I couldn't afford but it's worth it. They are blocked and I don't hear the voice mails anymore. I can tell they are still calling because XXXX XXXX tells me who it blocked. Please ask them to syop calling me. I am not going to pay. They are wasting all of our times.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LEXISNEXIS (IL)

On XX/XX/year>, I disputed a Bankruptcy that was on my consumer report with Lexis Nexus, on XX/XX/year> they responded and informed me that they VERIFIED the account with XXXX I contacted XXXX on XX/XX/year> and spoke with a XXXX, she informed me that XXXX does not report any information to Lexis Nexus, so Lexis Nexus LIED in their response to me. I also asked XXXX XXXX to verify and validate this information and provide me with copies of any documentation associated with this account granting them the authorization to report this information which is bearing my signature, and they did not grant my request or provide me with any documentation bearing my signature. I am now coming to you to rectify the problem that I am having with Lexis Nexus and them violating 15 U.S.C. 1681a ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2022-04-30
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

I opened a savings account with Citibank in XX/XX/2022. I deposited {$50.00} into the account. Toward the end of XX/XX/2022, I tried to access my account and could not do so. I spoke with a Citibank customer service representative and was told that another representative would contact me and that a check for the money in my account would be mailed to me within 60 days. Neither of these things happened. I contacted Citibank again and was told that I needed to speak with a local branch representative even though I opened my account online. I spoke with a Citibank representative at the XXXX, NY branch and she told me that I need to speak to the fraud department ( the department who had told me earlier that I have to speak with a local branch manager ). I called the fraud department again on XXXX XX/XX/2022 and was transferred to a representative who apologized and took my home address saying that Citibank would mail me a check immediately and that he would contact me the next week. Neither of these things occurred. Honestly, I think Citibank owes me in damages for withholding my money without reason and costing me time and hardship at this point but I'm not about to hire an attorney. I just want my deposit back and to close the account. 

I have no access to my account and all my communication with Citibank has been through the phone. I attached a screenshot of the most recent email I have from them as proof that I do have an account with Citibank. 

Citibank has essentially committed fraud. What they are doing is no different than someone sitting on my wallet and ignoring my requests for the wallet.
Consumer complaint received 2022-01-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (TX)

This is the 10th attempt to resolve the issue with Fair collections & outsourcing I have sent in FTC report and a police report stating it was identity theft and they are still saying I need to send them their affidavit. Today I sent the company an affidavit. Fair collections & outsourcing , Inc . is illegally reporting to my consumer report. Ive never given Fair collections & outsourcing , Inc . permission to report or even access my consumer report, Fair collections & outsourcing never validated any alleged debt, fair collections & outsourcing has defamed my character, caused multiple injuries to the point I was XXXX because of this alleged debt. Fair collections and outsourcing is using unfair practices by reporting to my consumer report. I sent a request for validation again XX/XX/XXXX and the company responded with a letter that has multiple violations I recently received XX/XX/XXXX. XX/XX/XXXX i the consumer sent Fair collections and outsourcing a cease and desist, affidavit of truth, a consumer violation invoice and EXHIBITS sent certified mail return receipt. Fair collections & outsourcing inc. has never tried communicating the alleged debt with me because There was no way to do so without i the consumer having an address there is no right for them to be reporting because they are illegally reporting. I have tried numerous times to dispute the alleged debt and fair collections & outsourcing willfully continues to XXXX, defame my character and use illegal tactics to collect the alleged debt. Thank you
Consumer complaint received 2021-08-20
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: BMW Financial Services NA, LLC (MA)

BMW of XXXX : XXXX XXXX XXXX, XXXX, CT XXXX https XXXX XXXX XX/XX/2021 : Negotiated deal, the purchase price ( PRE-REBATES ) for {$61000.00} -- MSRP of the vehicle was {$63000.00}. 
XX/XX/2021 : Documents signed and was assured by the Finance Manager of BMW of XXXX that the deal terms would be honored ( PRE-REBATES ). 
While reviewing my lease contract, I noticed two ( 2 ) discrepancies on the contract and would appreciate some guidance, please. First, the negotiated price ( PRE-REBATES ) was {$61000.00} and the selling price on my contract is displaying a different amount. Second, the residual value ( RV ) of the vehicle on the negotiated price was {$34000.00}, whereas on my contract it is displaying an RV of {$36000.00}. The finance Manager-Mr. XXXX XXXX of BMW of XXXX failed to input the negotiated deal ( PRE-REBATES ) at signing while inflating the Residual Value. What is the point of having multiple layers of staff to negotiate the deal ( Client Advisors, Sales Managers, and so forth ) if the Finance staff ultimately reconstructs the deal ( PRE-REBATES ).
Consumer complaint received 2017-11-28
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: Westlake Services, LLC (FL)

Per my XXXX credit report last checked on XX/XX/XXXX Confirmation # : XXXX there is an account that should not be on my credit report. I have tried 5 times in XX/XX/XXXX to remove a XXXX XXXX XXXX account from my credit as inaccurate information is being reported. I have found a major discrepancy and I have tried many times to correct the issue directly with XXXX XXXX XXXX and XXXX as well but have gotten no where with the issue. The date of first delinquency on this account is incorrect. Back in XX/XX/XXXX the car that I had financed at the time through XXXX XXXX XXXX was repossessed. For some reason they are reporting to XXXX that the date of first delinquency was on XX/XX/XXXX. It is impossible for a car to be repossessed by the bank if the consumer is not past due therefore the date of first delinquency is incorrect. The other inaccuracy I found was that the 81 Month Payment Chart does n't even match the date of first delinquency. For the 81 months shown on the payment chart it is full of NR ( Not Reported ) or CO ( Charge Off ). On the 81 Month Payment chart on XX/XX/XXXX which is the supposedly date of first delinquency Westlake Service reported NR ( Not Reported ). If I were delinquent on that date the 81 Month Payment chart should reflect a 30,60,90,120 etc showing some sort of proof that I was late. The information that they are reporting within itself does n't match. Let alone it is the incorrect date. If the account would be reported correctly with the correct date of first delinquency being XX/XX/XXXX when the car financed was repossessed the 7 years from that date would of been in XX/XX/XXXX meaning that this item would no longer even be on my credit report. Please review the details of this account carefully as you will find exactly what I am referring to and see that this account should be removed from my XXXX  report. I have made several attempts in the past few months to contact Westlake Services and the lawyer they hired to hand my case on their behalf and have not had any resolution from them. The lawyer that they had hired to handle my file was XXXX XXXX XXXX XXXX XXXX  located in XXXX, FL. That lawyer is no longer in business so I have no one to contact on their end. Everytime I call Westlake directly I try and speak with them but they say that they can not talk to me and someone from their special handling department will contact never does. Do not understand how I can communicate with them to have this issue resolved if there is no point of contact on their end. One last thing I would like to add is that XXXX and XXXX removed this account on their own as they had the correct information being reported at the time and automatically removed the account at the 7 years from the date of first delinquency. XXXX is the only bureau with the problem.
Consumer complaint received 2022-01-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: International Computer Systems, Inc. (AR)

I had to part ways with the University XXXX XXXX back in XXXX  XXXX and was being charged for XXXX XXXX accomodations. They removed the charge upon looking into my account but failed to also remove the {$150.00} associated late fee with that charge. I have since received voicemails from the schools Treasury department stating that I do not owe this money. I've repeatedly tried to contact First Collection Services ( FCS ) and they never answered and only got back to me after I left an intentionally vague voicemail, during which call I informed them they needed to confirm the validity of the debt, since I do not owe it, and they assured me they would call the University and look into it. They have since continued to send me increasingly threatening letters attempting to coerce me into paying a debt I don't owe, backed by seemingly active efforts to not answer their phone.
Consumer complaint received 2021-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

I have a freeze on my XXXX consumer profile, which I don't intend to lift. 

Because of the freeze on my XXXX profile, ChexSystems refuses to generate a report for me in response to financial institutions inquiries ( provides the Reason Code XXXX and Qualifile Score XXXX ). A credit/consumer reporting agency ( ChexSystems in this case ) must not refuse generating a report for a consumer solely because there is a freeze on the consumer profile on another separate and different credit/consumer reporting agency. 

I don't intend to lift the freeze on my XXXX profile. Considering this fact, I demand ChexSystems to generate a report for me in response to financial institution inquiries.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (GA)

I did not consent to, authorize nor benefit from any of the following inquiries or accounts. Block and remove them. Please remove all fraudulent inaccurate accounts as I have no knowledge of any of these accounts due to the XXXX XXXX XXXX data breaches/ identity theft. All are being investigated by the FTC and CFPB. According to FCRA 605B this information must be blocked immediately until the investigation is over.
Consumer complaint received 2018-02-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

After having received 3 emails from Capital One to apply for a credit card that was ideal for my Score, i applied on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, i was denied a credit card without explanation. I did a research and found out that Capital One is on of the credit card Companies that Discriminates against Non XXXX  Americans and especially XXXX   like myself, plus is Misleading and Dishonest on the explanation given after they decline the application. Since i didn't received an explanation from Capital One i called Capital One after every time i applied but their representatives were Rude and Misleading of to why my application was denied. It seems like another Crooked and Fraudulent Wall Street Company who does business without any respect of the " Weak Consumer Laws '', not to mention that Capital One Defrauds credit card holders with their Sky high interest rates 25 % -30 % and fees while borrowing money from the Government with 0 %. After all that's why Capital One and other Financial Companies Bribe Politicians so they will Defraud consumers with Immunity. It would have been better to do business with Mafia than with Companies like Capital One, etc.
Consumer complaint received 2024-03-20
Product: Credit 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: Bread Financial Holdings, Inc. (WA)

XX/XX/XXXX we planned a trip with XXXX in Florida. Charged on my AAA comenity card. I have had this card for almost 40 years and always pay it off in full every month. In XXXX we were notified the business was not in business. 3 other people going with us got their money back immediately when they notified their credit card companies. I called AAA and they said since I paid it off I couldn't get my money back and suggested I call the company. I called the number the AAA rep gave me, they said they did not receive money and we were not booked. AAA has refused to refund my money, told me not to pay my bill until this was cleared up and then charged me interest. AAA did not contact the company they paid. I have sent multiple letters to AAA asking for help and explaining I feel penalized for paying in full every month and asking for who they paid. The charges were XX/XX/XXXX for {$2700.00} and XX/XX/XXXX for {$5400.00}.
Consumer complaint received 2024-03-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Propel, Inc. (CA)

I made a {$500.00} cash deposit at a XXXX store using my Providers debit card and after making the deposit I checked the account to make sure the deposit was posted and it was the next morning when I checked my account I noticed the deposit transaction had completely disappeared so I contacted the company asking for my funds to be returned immediately, and they said that they had no records of my deposit and requested the receipts and transaction history, which I am the store both provided all to know about because the bank literally has been refusing to give me my funds and now this has been causing undue financial hardship and is unethical I believe and I believe Im being discriminated against all I want is my money back
Consumer complaint received 2022-04-30
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: EQUIFAX, INC. (TX)

I am writing this Complaint due to the fact EQUIFAX fails to do a complete verified investigation. I have attempted to communicate via telephone calling XXXX and for the past 60 to 90 days i have heard mostly their computer systems have either been down and or I can not reach anyone by phone. I have attached a verified letter of investigation for EQUIFAX, to date I have not heard from them in over 90 days. As of XX/XX/XXXX, and the XXXX I see Inquires I do not recall requesting ; moreover on my personal info on Credit file list inaccuracies : YEAR OF BIRTH XXXX, EMPLOYERS : XXXX, XXXX XXXX XXXX I, XXXX XXXX XXXX ; Please remove these items. Under 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.