davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (NV)

Re : XXXX We address that matter to consumer protection bureau, no use. 

Till we went to XXXX XXXX XXXX XXXX, with the case manager XXXX XXXX kind help and diligent work, we finally received a letter today that dated on XXXX XXXX, XXXX, from the bank of Wells Fargo ( later shorten as WF ), it finally admitted that my mother has never owed any money from them. See Attachments. 

But in that letter, it didn't mention whether WF allows my mother to open her checking account, or honor the welcome bonus, or how to comp the stress and time-consuming the bank caused for us! 

WF 's attitude is insincere, contemptuous and condescending. 

PS : We tried to response to the complaint, but the site can't direct us to, so we have to open a new complaint.
Consumer complaint received 2022-05-21
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. (CA)

These complaint os for Equifax and XXXX who are falsely manipulating my credit scores. as FCRA Requirments on users of consumers reports [ 15 U.S.C. & 1681m ] i have mortgage " PAID AS AGREED '' the account # is on the attached file and I have XXXX to 1 % Utilization, 2 installment account has been paid off and one auto loan account hae been paid off all of them are tagged as status of " CLOSED '' PAID AS AGREED '' both of these credit reporting agency decreased my credit scores without any explanation as to " WHY '' THIS IS NOT A DUPLICATE REPORT AND DO NOT CLOSED THIS COMPLAINT. EQUIFAX AND XXXX ARE MALICIOUSLY DECREASES MY CREDIT SCORE. MY QUESTION IS WHY MY POINT HAS BEEN DECREASED WHEN I AM PAID IN FULL ALL THOSE ACCOUNTS MENTIONED ABOVE? IF THIS EQUIFAX COMESBACK ASKING FOR ALL ACCOUNT NUMBER, ALL THE ACCOUNT NUMBERS ARE STATED OR ENCIRCLED IN THE ATTACHED DOCUMENTS. THE SAME THING WITH XXXX, EXPLAIN TO ME AS TO WHY IM BEING PENALIZED FOR PAYING ALL MY ACCOUNT IN FULL AND LOWERING MY UTILIZATION? THESE ARE THE FACTORS YOU AS CREDIT REPORTING AGENCY SET ONE THEM IS THE UTILIZATION, PAYMENT HISTORY, AVAILABLE CREDIT, AT LEAST I IMPROVED MY CREDIT ON THOSE FACTORS AND YET YOU DECREASED MY POINTS? DO NOT COMEBACK TO ME TO JUSTIFY THIS FALSELY DECREASING MY CREDIT SCORE. BECAUSE I AM WILL AND DETERMINE TO FILE A LEGAL ACTION AGAINST YOU.
Consumer complaint received 2022-05-21
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: EQUIFAX, INC. (GA)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report - to this day over 30 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored in regard to my disputes. Section 611 ( a ) plainly states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will fill litigation due to the stress caused to me. My information has also been impacted by recent credit bureau breaches within the last year and my information may have gotten into the wrong hands
Consumer complaint received 2021-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me.Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report
Consumer complaint received 2022-02-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX ( the Scammer ), XXXX : XXXX  ( the Scam Website ), all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. Money was transferred from my account via debit card and through an intermediary named XXXX XXXX and XXXX in the total amount of XXXX USD utilizing JP Morgan Chase services.
Consumer complaint received 2022-08-24
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: EQUIFAX, INC. (CO)

On XX/XX/2022 a inquiry was made on my credit was not authorized by myself by XXXX XXXX I myself did not ask for this or know anything about it. 15 U.S.C 1681i ( a ) states that all information be correct by finding of thorough investigation if not this must be DELETED from my credit report! Furthermore 15 U.S.C 1681 states to credit bureaus that I have a right to privacy as well as confidentiality as they have an obligation to fair and accurate credit reporting.
Consumer complaint received 2022-02-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ray Klein, Inc. (WA)

My son was taken to XXXX XXXX in XXXX, XXXX by his mother. My son 's mothers name is XXXX XXXX, Me and XXXX XXXX were not married and I had no legal obligation to pay her debts. I was not present when XXXX XXXX took my son to XXXX and I signed no papers excepting responsibility for the payment. XXXX XXXX XXXX had XXXX bill her insurance for the visit. I was not on XXXX XXXX ' insurance but my son was. 

XXXX has repeatedly billed me for the visit. I told XXXX I did not take my son tot he visit, but his mother did and she is responsible for the bill. XXXX has continually called me and sent letters to collect the debt, I have repeatedly told XXXX that I am not responsible for the debt. 

I just received a collection notice from a debt collector for the bill. I called the debt collector that I was not responsible and wanted to dispute the debt. When I asked how to dispute the bill, the caller hung the phone up on me. 

It is wrong for XXXX to continually harass me for the debt which I am not responsible for. The name of the debt collector is : Professional Credit Service XXXX XXXX XXXX XXXX OR XXXX My account number with them is XXXX. 

I would appreciate help with this matter.
Consumer complaint received 2022-02-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (TN)

I have had an account with Coinbase since XXXX and have used it successfully on and off since then. However, since XXXX XXXX, the funds in my account have been frozen, with no clear reason provided by Coinbase. When I log in to my account, I am asked to reverify my identity, which I am happy to do. I am familiar with the process, having gone through with it to set up my account. Since XXXX, I have performed the process of identify verification exactly as requested at least XXXX times, but always without success, according to their automated system. I have provided them with my drivers license ( the same one I used to open the account, with no change other than an updated expiration date ), my passport, and even my birth certificate, but always without success. I have opened XXXX support tickets to address this issue. The Coinbase support team has always been very slow to respond and when they do, it is evident that no human being has taken the time to read the particulars of the problems I am having with their system. Usually they send a canned response instructing me to repeat the same steps that I have tried and failed many times or say something like " We've transferred your case to our team of specialists to look into this further, '' but there is never any indication that they have done so. In fact, the content of their responses make me believe they have all been from an automated system, never from an actual human being. My first support ticket was closed ( after several weeks of what felt like talking to a bot ) for no reason, not to my satisfaction. My second support ticket has so far been treated much like the first, with no indication that a human being has even read what I wrote. 

These are my support tickets to Coinbase : Case # XXXX ( closed, not to my satisfaction ) Case # XXXX ( currently open and ignored )
Consumer complaint received 2022-02-05
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: CITIBANK, N.A. (CA)

Hi, I am a XXXX XXXX  working at the XXXX XXXX and XXXX XXXX in XXXX XXXX ( XXXX ). By following the instruction of the State Department, I applied for a commercial card from XXXX XXXX which gives me tax exemption treatment. 

My card information is : Name : XXXX XXXX Account number : XXXX However, in recent months, I have been charged with many unauthorized transactions by XXXX XXXX. After talking to its security operation office for many times, I successfully got refunded except for the following XXXX transactions : XXXX. XX/XX/XXXX : {$90.00} XXXX. XX/XX/XXXX : {$91.00} XXXX. XX/XX/XXXX : {$91.00} XXXX. XX/XX/XXXX : {$89.00} I live in XXXX XXXX, California and usually fill my tank at the stations in XXXX and XXXX. Until XX/XX/XXXX, I only own a XXXX XXXX, which tank is too small for $ XXXX diesel. 

I constantly requested XXXX XXXX to check the footage of the surveillance cameras at which those unauthorized transactions happened but got refused. According to its security operation office, they think those transactions " have a similar pattern, similar amounts and happened in locations close by '', so they decided to deny my claims. 

In short, XXXX XXXX claims that I not only stole diesel from them, but lied to them. It is an unacceptable accusation against my integrity and an outrageous humiliation to my country. 

I am willing to accept interviews and provide more evidence to clear my name and get refunds that I deserve. 

Thank you very much.
Consumer complaint received 2022-02-05
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. (TX)

Hello, I am trying to get to the bottom of the issues on my credit report. I have sent letters over 30 days ago to each credit bureau to dispute the numerous incorrect items on my credit report and have yet to hear anything back. I am trying to put my life together and make some big purchases but the many things on my credit reports that do not belong to me are getting me denied for so many things. I can't buy property, get approved for credit cards or increase my family 's financial situation. This is putting a strain on my home life and I am now at a loss as to what to do.
Consumer complaint received 2022-02-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (VA)

My home was destroyed in a fire on XX/XX/2021. My insurance company issued a check for the policy maximum within a week and I had to send it to my mortgage company. It took more than 6 weeks to get them to issue the first check, I had to go as far as to reach out to the Virginia attorney general to get them to release some money. 

Now they are holding the final 1/3 of the money, the house is not finished because I dont have money to pay to get the crew to work again, and I cant get a certificate to occupy the home because its incomplete. My insurance company will only pay my rent for a short time longer, at which point Im either homeless or I have to pay out of pocket to find a different place to live. 

The mortgage lender is PNC Bank.
Consumer complaint received 2022-02-04
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (AR)

XXXX XXXX, Attorney at Law, Bar Number XXXX Attorney for JP Morgan Mortgage XXXX. 

I received my XXXX from JP MORGAN MORTGAGE XXXX which is filing for the release of income converted from mortgage debt for the IRS. The mortgage company JP MORGAN MORTGAGE XXXX XXXX sold the debt to XXXX Mortgage in XXXX and after numerous of conversations with JP MORGAN MORTGAGE ACQUISITION about interest that they may have in my real property I have been deceived by JP MORGAN MORTGAGE XXXX XXXX stating that they have no interest. Why are they attempting a fraudulent foreclosure in the matter of my real estate? Throughout my bankruptcy proceedings both XXXX XXXX JP Morgan Mortgage were parties in the proceedings. I did not refinance with XXXX XXXX JP Morgan Mortgage sold the debt instrument to XXXX in XXXX! This is a double fraudulent transaction! XXXX maintains that they hold rights to the security debt instrument while JP Morgan Mortgage attempts a fraudulent foreclosure! How can JP MORGAN MORTGAGE FORECLOSE IF THEY SOLD THE MORTGAGE. XXXX XXXX XXXX XXXX  for the United States XXXX states that no debt be paid with any legal tender but XXXX & XXXX coin. The promissory note is the OID WINDOW IN WHICH THE PROMISSORY NOTE NULLS & VOIDS THE MORTGAGE. XXXX POLICY XXXX, & XXXX are being ignored by both JP MORTGAGE XXXX XXXX XXXX
Consumer complaint received 2022-02-05
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC. (IL)

ROBINHOOD UNAUTHORIZED TRADE ON XX/XX/XXXX To Whom It May Concern : After many unsuccessful months of trying to resolve my issue with Robinhood I finally contacted XXXX XXXX, a well known financial advisor on our local TV station. 

She recently replied to my question and I am now taking her advice and contacting Robinhood, again, the XXXX and the XXXX XXXX XXXX XXXX. 

Today, XX/XX/XXXX I just tried to file a dispute with Robinhood with the instructions that XXXX XXXX sent me, XXXX XXXX XXXX  it said that this page was not found. Another dead end. 

On XX/XX/XXXX sent {$1000.00} to Robinhood. On XX/XX/XXXX I purchased XXXX shares of XXXX stock at {$250.00} a share for a total of {$750.00}. On XX/XX/XXXX XXXX had a XXXX split. My unauthorized trade occurred on XX/XX/XXXX, XXXX shares at {$130.00} for a total of {$1600.00}. I never received the money from that sale and looking at my account history there is no mention of where that money is. I also bought XXXX shares of XXXX and Robinhood still holds that stock Below is an account of what transpired : On XX/XX/XXXX at XXXXXXXX XXXX  XXXX, in the presence of a good friend, I called Robinhood and spoke with Customer Service Agent, XXXX XXXX. I told him that I wanted a statement sent to my home and also wanted to transfer my account. He told me that I would need to change my password. I didnt want to do it but he insisted. 

After I changed the XXXX I received a notice on my phone of a trade of my XXXX stock. I told him I hadnt authorized this and he needed to cancel this trade immediately. He said he couldnt. I asked to speak to his manager and was disconnected. I tried to call back but the number was blocked. 

My friend called on her phone at XXXX XXXX  XXXX and was able to speak to XXXX XXXX. She asked XXXX XXXX to transfer her to a manager. XXXX made the transfer. She waited XXXX minutes and then was also disconnected. When she tried to call back she was also blocked. 

After this I went home and tried to file a complaint with XXXX at XXXX and the XXXX. I never received a response. I also never requested the money from the XXXX XXXX XXXX as I wanted to have them reinstate the unathorized trade and was waiting to see how I could talk to an actual person. 

Thank you for your assistance in this matter. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX XXXX XXXX
Consumer complaint received 2022-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation (TN)

Reached out and told them I did not want a loan nor have I applied for one. I saw they ran a credit check which hurt my score but I have not asked them to and its happen more than once and I need this to stop and my score to be fixed
Consumer complaint received 2022-02-04
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

XXXX  / XXXX / {$9300.00} XXXX  XXXX XXXX / {$0.00} 15 U.S. Code 1666 - Correction of billing errors ( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. 
( XXXX ) Any other error described in regulations of the Bureau.
Consumer complaint received 2022-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I have disputed an inaccurate account on my credit with Equifax 3 times and the are still reporting this account inaccurately XXXXXXXX XXXXr has violated consumer protection laws they have delete this account from my credit report in then reported again 15 U.S.C. 1681g - U.S. Code - Unannotated Title 15. Commerce and Trade 1681g. Disclosures to consumers Every consumer reporting agency shall, upon request, and subject to section 1681h ( a ) ( 1 ) of this title, clearly and accurately disclose to the consumer : ( 1 ) All information in the consumer 's file at the time of the request, except that--
Consumer complaint received 2022-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

XXXX is still on my Equifax even though I provided a police report opened fraudulently and XXXX and XXXX XXXX are still on my XXXX as well and they refuse to remove as well.
Consumer complaint received 2022-04-18
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. (NC)

inaccurate information is being reported on my credit report with Equifax XXXX XXXX on the below accounts. i submitted a written dispute on XX/XX/XXXX via usps mail and have yet to get a response of any kind, they continue to report inaccurate information that is effecting me from obtaining credit. the accounts are below. 

XXXX XXXX - acct # reporting on XXXX shows XXXX - Acct # reporting on Equifax XXXX both inaccurate and do not match. XXXX reporting issue is they are still reporting ( payment history ) and this account has been closed since XX/XX/XXXX. Equifax XXXX XXXX continue to report inaccurate which is against FCRA consumer law. 

XXXX - acct # XXXX submitted first dispute on XX/XX/XXXX no response, this account is reporting payment history inaccurate as well, back in XXXX of XXXX i paid ontime and equifax reported that but XXXX reported " CO '' how can i be on time and late at the same time? they both reported this way from XXXX of XXXX all the way to XXXX of XXXX. 

XXXX XXXX - acct # XXXX - submitted first dispute XX/XX/XXXX the " Account Status '' is being reported wrong/inaccurate by Equifax & XXXX XXXX this account was PAID IN FULL XX/XX/XXXX and all XXXX comments state that it was paid but Equifax & XXXX reporting account status " Derogatory status '' which is totally illegal and inaccurate. they are in violation of FCRA this must be updated or account deleted at once. i havent gotten any response from either credit agency.Experian is the only one that reported accurately with " paid '' in account status. this is effecting me from obtaining new credit.
Consumer complaint received 2018-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: FIRST ADVANTAGE CORPORATION (CA)

The consumer report lists a " developed name '' / '' former name '' ( XXXX XXXX XXXX ) for me that is not, nor has it ever been my name. " XXXX '' is my husband 's last name but I have never used it ever for any purpose.
Consumer complaint received 2020-07-29
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. (NC)

I sent complaint to Experian, and they responded that I did not. I My name is XXXX XXXX and I am a victim of identity theft
Consumer complaint received 2022-05-21
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. (CA)

The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate. the date last active is inaccurate, and the ldate last reported is inaccurate. this is grounds for removal and they also violated my rights under 15 u.s.c 1681 section 602 A. states i have a right to privacy 15 u.s.c 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 
also the credit bureaus took more than 30 days to investigate
Consumer complaint received 2022-02-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (GA)

I Have Already addressed Best Buy about the late fees that have been applied to the card. 

I experienced a time when I called just about 2 hours after after the due date time. 
At that time, I was assisting my mother as she was ill, there was no internet service where I located thus not allowing me to perform