davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (FL)

I cant get into my account with Coinbase, a company listed on the XXXX stock exchange. I have an account for 5 months, 1 1/2 months ago I started getting texts and emails ( emails were sent to trash, but I never trashed any emails ). When I go into the spot that says change password, I change it but then the 2 step verification comes up with a phone number which is not mine. I cant get the code from the 2 step verification because its not my phone number. I tried to change phone number but it asks for current phone, i tried my real phone number because I dont know number they listed because it has xxxx except last 2 digits. I think my account has been hacked or Coinbase is not helping fix my problem. I cant call them, no phone number, I have sent many emails from their help.Coinbase.com site. But each time I do I get those emails with a case number ( as I mentioned previously in trash ). I send a response from that email and they say this case has been closed.I am in this terrible loop and its been 1 1/2 months now and cant get into my account. I need help Case # XXXX or XXXX, 5ese might be old because I cant get a straight response
Consumer complaint received 2021-08-02
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. (MS)

Equifax, XXXX and XXXX  have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report
Consumer complaint received 2021-09-15
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. (TN)

I contacted two of the credit reporting agencies about 90 days ago, Equifax and XXXX, regarding a collection on my report of {$4400.00}. I requested that they provide me verifiable proof of this and the supporting documents, and that I wanted to dispute this. Only Equifax responded with a statement that they verified this. However, this does not comply with the FCRA, particularly sections 609 and 612. I then wrote both bureaus that inasmuch as they had failed to comply with the law, this item should be deleted from my file. I have given this more time than the law provided. This misinformation has caused me a great deal of credit problems. 
Thank you. 
Respectfully submitted, XXXX XXXX
Consumer complaint received 2021-08-02
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. (PA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter on XX/XX/2021, as of today it's 53 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. XXXX XXXX  XXXX : Account number : XXXX FDCPA section 807 Violation misleading false reporting. Please delete. 

2.XXXX : Account number : XXXX Please remove this account from my credit report. This account is reporting inaccurately. 

3. XXXX XXXX  : Account number : XXXX I dont recall being late. Please update to 100 % paid as agreed. 

4. XXXX XXXX XXXX : Account number : XXXX Please remove this account from my credit report. This account is reporting inaccurately. 

5. XXXX XXXX : Account number : XXXX The balance appears wrong. Please delete at once.
Consumer complaint received 2021-08-02
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. (PA)

I need the consumer protection to contact the 3 credit report bureaus to restore the score to the point it was before I interacted with the office in XXXX. You have documents of before and after score which is not possible. You can even ask the companies. 

On XX/XX/2021 I applied for a mortgage at a company in XXXX called XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX. I told the lady my basic information and she said I will have no issue being pre approved. She then about a week or two later said I can not be approved for the convention loan, she was rushing to get off the phone with me. I then emailed her and said I wanted the FHA loan, she never responded to me. I then called another mortgage broker based out of RI within the 30 day silo or shop around period, he pulled my credit and now the median score was 21 points lower. I then called another cross country mortgage in PA and they said they would have given me the FHA loan. I tried to call cross country mortgage in XXXX from a different phone number I got an answer and the lady said it could be possible to transfer my file to a different office.This office in XXXX is discriminating against me. This does also not explain why my score dropped so much, when it should not have because I was in the 30 day period to shop around for a loan.
Consumer complaint received 2023-01-25
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)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-08-02
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. (OH)

I have been disputing 2 different accounts that I feel are showing up on my credit report in error and have not received a response from the credit bureaus. I have sent several letters to the credit bureaus to investigate these accounts. I started this process on XX/XX/XXXX initially to get this erroneous information removed from my credit report as it is inflicting serious damage to my score. I received a response from that dispute. However, I sent another letter to them XX/XX/21 and XX/XX/21 and received no response. I feel like my requests are being ignored and a proper investigation has not been given. There are clearly errors that I have pointed out in the letters that I have sent. It is my right to have my credit report present accurately and without errors. In addition to that, I have also been requesting that my personal information be updated. I have requested this several times. I do not want several variations of my name appearing on my credit report or several different addresses. I have expressed how my name needs to appear across all 3 credit bureaus and my current address and for good reason. With identity theft at an all time high, I think this is very necessary to help to reduce the chances of this happening to me. I feel like my rights are being violated and I want these issues to be fixed immediately.
Consumer complaint received 2021-08-02
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Williams & Fudge, Inc (MO)

Predatory Debt Collector refuses to state when Statute of Limitations on my debt expires. Company clearly, as shown in attached documents, altered dates and added a " phantom '' repayment unsupported by their primary documents to add a year onto repayment term so that they could avoid Statute of Limitations for Student Loan debt, which was set to expire only a few months after their purchase of alleged debt from XXXX  XXXX XXXX. Used falsified dates to create legal documents for another debt collector to pursue legal action against me and my father.
Consumer complaint received 2021-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NV)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2021-08-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Credit Karma (GA)

I had a merchant charge me {$200.00} for a 3 night stay. I did not stay at the hotel due to the room was unsafe the door had been kicked off the hinges and the merchant decided to refund one night. I filed a dispute with my back and they filed with the incorrect information then I had to discover there error and correct it now my dispute is just pending and every time I call the tell me its with a department that has no phone communication and I have to just wait
Consumer complaint received 2022-10-15
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: OPTUM BANK, INC. (CA)

Continuation of XXXX Have been repeatedly told that my balance check was mailed to me on XX/XX/2022 and that it could take 7-10 business days to arrive. 

Here we are on XX/XX/2022 and I have not received said check, I do not know of any existent USPS shipping service that takes more than 3 weeks to deliver a ( first-class I assume ) piece of mail. 

Company has been seemingly hesitant to void the mailed check and re-mail me a new one, the sum is XXXX and represents a portion of my savings that I have been needing. 

They will not allow me to ACH the balance out, thats fine. But where is my check? I am inclined to give them the benefit of the doubt, but like any sane consumer, that comes with a mutual understanding and assumption that there is a sense of reasonability in their action towards resolution. I would not be filing this complaint if I did feel there was that mutual reasonability, as the notion that a USPS check mailed from UT to CA would reasonably arrive in <4 days at maximum, and its been over 21 days. Domestic mail simply doesnt work like that, further, I dont understand how and why they would be hesitant to simply void and re mail me a new check given that the original has never arrived in what is now far beyond a reasonable time-frame. 

I hope this compels them to take action and treat me ( the consumer ) with fairness and to concurrently protect their reputation as a financial institution.
Consumer complaint received 2022-08-11
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ACIMA CREDIT, LLC (CA)

Note : I have ( 2 ) previously satisfied accounts through this vendor. On XX/XX/2021, I purchased a product through Acima ( Lease-to-Own ), with a ( 90 ) day option to satisfy the purchase agreement. On XX/XX/2021, I called Acima to determine the ( 90 ) day option ending date, and the amount needed to satisfy the agreement. An Acima employee stated : " The ( 90 ) day option expires on XX/XX/2021. '' On XX/XX/2021, I called Acima, prepared to satisfy the ( 90 ) option agreement amount. An Acima representative informed me, the ( 90 ) day option expired on or around XX/XX/2021. I referenced the previous call and asked them to review the notes from the previous contact. I was informed there weren't any notes of the call, and I would be charged the entire amount. I am of the belief, Acima misrepresented the terms of the agreement. I have purchased several products through a " lease-to-own '' company, and never had any issues with the terms and conditions. Acima advertises as a " no credit needed '' solution for purchases ; however, Acima has placed a " delinquent account '' notice on my credit report.
Consumer complaint received 2022-01-04
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. (FL)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2021-08-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A. (NJ)

I had purchased a puppy from a breeder using XXXX when I was a part of PNC Bank. Within minutes I realized it was fraud and immediately contacted my bank. They said they would cancel the payment, yet the next day {$750.00} was withdrawn from my account. My bank said and I quote : you can file a dispute but well never accept it. You can keep filing but well keep denying you. I filed a police report and disputed this two separate times. Within a week I had four more unauthorized payments on my account, even after changing my car number, and my bank refused to help me with these as well. I eventually left PNC completely.
Consumer complaint received 2022-08-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC. (CA)

I have repeatedly asked for copies of my payment record that show late fees charged. Ally has yet to provide one. Now I am at the end of the payoff on this loan and I owe almost nothing but late fees. Even during the pandemic no late fees were waived and I suspect I have been charged late fees ON my late fees! In addition, Ally has charged both of my banks so many times I had to place stop payments because if the funds aren't there I am charged by my bank each time Ally tries to take the ACH debit, and Ally will continually hit the bank on a daily basis until the finds are there. No cooperation whatsoever, and I am absolutely fed up.
Consumer complaint received 2021-03-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A. (CA)

I started the mortgage refinance process with Citibank in XX/XX/2020 and over the past year have received inadequate support to complete the process. My condo is part of the XXXX XXXX XXXX XXXX that requires Citibank and the title company to reach out in order to obtain required documents. The closing has been stalled for around 6 months due to neither Citibank 's mortgage representatives or the title company 's representatives connecting with the XXXX XXXX XXXX XXXX and providing necessary information to obtain the lien release document. 

As of summer 2020, Citibank no longer has mortgage customer service for clients. I have sent many emails over the past over 11 months to the Citi mortgage reps that are supposed to be helping me, however have received little to no support to move the process forward. A colleague of mine recently refinanced her house and it took 3 weeks. 

On XX/XX/XXXX, I received a document telling me that I will be required to pay a daily extension fee of {$34.00} for my locked interest rate. This is very unfair since I have provided all requested documents and am not the one who delayed the refinance process. I would like Citibank to waive the daily extension fee charges. 

I would deeply appreciate your help.
Consumer complaint received 2022-08-11
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-08-23
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. (FL)

In accordance with the fair credit reporting act : 1.XXXX XXXX : XXXX 2. XXXX XXXX XXXX  : XXXX 3.Drpt of Ed : XXXX 4.XXXX  XXXX XXXX XXXX XXXX XXXX 5.XXXX XXXX XXXX : XXXX 6.XXXX-XXXX XXXX  XXXX 7.dept of Ed/XXXX  : XXXX 8.dept of EdXXXX XXXX : XXXX 9.XXXX  XXXX : XXXX 10.XXXX XXXX XXXX XXXX XXXX XXXX 11.XXXX XXXX  : XXXX 12.XXXX XXXX  : XXXX 13. XXXX  XXXX  : XXXX 14.XXXX  XXXX  : XXXX 15. XXXX XXXX  : XXXX 16.depted XXXX  : XXXX 17.XXXX XXXX XXXX  : XXXX 18.XXXX  XXXX  : XXXX 19. XXXX  XXXX : XXXX has violated my rights. 

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 that a consumer reporting agency can not furnish a account with out my written instructions.

15 U.S.C 1681 - Congressional findings and purpose. : ( B ) ( 4 ) Reasonable Procedures. F.C.R.A 15 U.S.C 1681C-2 ( A ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) Block of information resulting from identity theft.

18 U.S.C 1028- ( A ) ( 1 ) ( 3 ) ( 7 ) ( 8 ) Fraud and Related activity in connection with identification documents, authentication features, and information.

No SSA-89 form for furnished information ( s ).
Consumer complaint received 2019-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (FL)

Company involved : Barclays I use a priceline Barclays card and have noticed recently that I am not able to make a payment more than the current balance shown in the app. 
Basically, if my statement closing date is XXXX day of every month and I use the Barclays credit card to make a payment on XXXX or XXXX, and  if the balance is not posted on same day, I wont be able to make a payment towards that amount until it is posted.

If it is posted on 6th, its highly likely that my statement generated on XXXXh will have that balance and as a consumer, I would be denied the opportunity to have a XXXX balance at the end of cycle. 

Basically, Barclays is stopping me ( customer ) to make a higher payment than current balance and denying me the option to have XXXX balance on my credit report. 

Im sure multiple customers are impacted by this and Barclays is denying their customers the opportunity to have a XXXX balance at the end of statement cycle.
Consumer complaint received 2021-09-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect (FL)

On XX/XX/2021 Pursuant to the Fair Debt Collections Practices Act, 15 USC 1692g I requested Validation from Ameri Collect. Please see attached. 
According to the certified Tracking number XXXX XXXX XXXX XXXX XXXX Ameri Collect 's offices received my request on XX/XX/2021. I have yet to received validity within the allotted time frame of 30 days, therefore pursuant to 1692g- The debt collector must provide the consumer with certain basic information. If information is not provided, debt collector must cease and desist all collection activities and account must be removed from all 3 consumer reports and closed.
Consumer complaint received 2021-09-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

Up until two years ago my social security funds and a small pension payment from a former employer were available to me at XXXX  on the fourth Wednesday of every month. Now my funds are not available until XXXX XXXX 

Chase advised me they have up to 24 hours to make my money available to me. In the past, I paid my bills as soon as my social security funds posted to my account because some of my bills are due prior to me receiving my funds. 

I have checked with XXXX XXXX XXXX and XXXX XXXX  they make the social security funds available to customers as soon as they receive them. I feel Chase is collecting thousands of dollars in interest off of seniors by keeping the funds an additional three hours.
Consumer complaint received 2023-01-09
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. (MI)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: BOEING EMPLOYEES CREDIT UNION (WA)

I received a report that I was added as an authorized user on a credit card without my consent or knowledge. I contacted the bank and they would not provide me any information on how this happened nor allowed me to remove myself as an authorized user.