davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (CA)

Coin base is holding almost {$4000.00} of my money. Multiple times Ive tried to access my account and their website is not functioning properly in order for me to be able to do so. Ive contacted their support to bring this issue up with them and theyve only advised methods in which I do not have access to. Ive contacted support multiple times to address this concern considering the circumstances, with no response.
Consumer complaint received 2017-10-09
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: EQUIFAX, INC. (NY)

Equifax has consistently been informed and sent documentation regarding their mixed information with my sisters file and mine. The excuse has been that since we lived in the same address ( as kids ), and have Similar first names this has happened. My sister name is XXXX middle name XXXX XXXX. My name is XXXX XXXX, different fathers. I dont understand how she has her business transactions under her social security number and dob, and still I get her information linked to mine. My current situation is that my sisters married name has been attached to my credit file in equifax. I paid XXXX XXXX to remove my sisters accounts from my file, but equifax still is negligent in removing her marriage name from mine. She is now divorced by the way. I have sent my Id documents to equifax including my birth certificate, License and social security number repeatedly and I still nothing has been corrected. My last dispute # XXXX report still has XXXX as my middle name. This is my sisters married name! Its their mistake.. XXXX XXXX asked them to show any accounts under that name and my social and they proven wrong. Help me please! Its been almost a year with the same issue. They keep merging our accounts which are totally different and in different states. Thank you
Consumer complaint received 2022-08-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (PA)

Hi, I'm writing on behalf of my daughter. On XX/XX/XXXX she was the victim of a sophisticated scam that first preyed on her mother, and then her. In short, her mom gave scammers access to her phone via the XXXX app. Through her mom 's phone, they texted my daughter ( pretending to be her mom ), and told her " These guys are helping me ; do whatever they tell you ''. So she did, performing a series of XXXX and XXXX transactions on her phone per their instructions ( her mom had done the same and lost several XXXX $ ). 

Her mom appealed to Wells Fargo 's fraud department right away, filled out police report, etc. On XX/XX/XXXX, to make things right for her mom, Wells Fargo took {$3500.00} out of my daughter 's account ( in batches of {$3200.00}, {$200.00}, {$100.00} ) to transferred it to her mom 's account. My daughter 's account had less than {$100.00} in it at the time, so she was left with a balance of - {$3400.00}. 

When I called Wells Fargo to ask how they can fix one person 's problem by stealing from another, they simply told me that " She should go talk to her mom ''. Furthermore, a letter from WF in response to her fraud claim told her that she had " authorized '' those transactions and so there was nothing they could do. This does not address the fact that a ) WF clearly took money from my daughter and gave it to her mom, and b ) whether my daughter authorized a transaction or not, money can not be withdrawn from an account if it's not there ; this is not a credit card. So it seems WF decided they only had enough budget to pacify one of the two victims by stealing from the other. 

My daughter filed a CFPB complaint ( XXXX ), but WF responded the same : she authorized these transactions etc. 

As a side note, I am following up on my daughter 's behalf because she is incapable of doing so herself. Besides just having started school again, she is suffering a significant amount of XXXX and XXXX because of this, and fears the collection agencies. 

My daughter 's and her mom 's bank statements are attached. Note the matching XX/XX/XXXX transactions performed by WF that transferred a total of {$3500.00} from my daughter 's account, putting it into her mom 's.
Consumer complaint received 2017-10-09
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. (FL)

I have tried to work with the Credit Bureaus more than once, i have sent several attempts to ask for proof of validation of accounts and they have refused to provide me with Proof. The law states that they must provide with proof if they can not they must delete from my credit or update what needs to show properly on my credit and they fail to do so. I tried my best to work with them but they are not being fair and not following the LAW. I have been trying to work with them Since ( XX/XX/17 of this year that is a total of 4 months of this going on. ) I ask CFPB to help me look further into this matter.
Consumer complaint received 2022-09-30
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. (NJ)

There was 3 times where someone tried opening a credit card with my credentials. The accounts include XXXX XXXX on XX/XX/XXXX and XXXX XXXX on XX/XX/XXXX. I notified Equifax about the inaccurate credit report from the hard inquiries from opening but they did absolutely nothing to help me and it ultimately impacted my score negatively. Equifax is in violation of 15 U.S. Code 1681 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 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. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2017-10-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BARCLAYS BANK DELAWARE (CA)

Requested line of credit from XXXX XXXX, and was notified to call in for further information needed. Barclays then requested I photocopy my drivers license, social security card, and bank statement or utility bill, and mail them in to an unnamed post office box. When I told them I could not send those items through the postal service, as placing all those documents in one place put my identity at unreasonable risk and I would like to verify my identity through other safer means, I was told that was not possible. To be clear, I should never be asked to put those documents in the mail. I offered to walk them in, they said that was not possible. Now, though having an 800+ credit score and an excellent debt to income ratio, I have been forced to either jeopardize my identity or take a penalty on my credit score by having to withdraw my application and apply to another credit lender. This is an unacceptable choice that I should not have make. They notified me that this was not a credit bureau request, nor a request from the government. They insisted that it was company policy. I have never been asked to mail in this information when applying for credit. I feel something is amiss here.
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 — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act XXXX account XXXX XXXX XXXX - XX/XX/XXXX Transferred, closed. {$22000.00} - # XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Collection Account {$4400.00} - # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - Collection Account - {$950.00} - # XXXX XXXX XXXX XXXX XX/XX/XXXX - Account Charge Off - XXXX - {$270.00} - XXXX has violated my rights.

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 an Account without my written instructions.
Consumer complaint received 2017-10-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (MO)

I am contacting your agency in hopes you can help me get in touch with my bank Chase XXXX XXXX. I am dissatisfied with the manner at which my bank handled my disputes. And I would like to request that they re- investigate them. Back on XXXX XXXX XXXX I got contacted by XXXX XXXX XXXX XXXX XXXX XXXX, for an online business opportunity, they charged my card a total of {$14000.00} and they did not provide the services as described. I appreciate your help.
Consumer complaint received 2022-12-07
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (PA)

I closed my account with PNC and instead of closing my account PNC allowed automatic payments to continue to withdraw my account when I had a XXXX balance and PNC overdraft my account. I paid again and found a reversal charge of {$38.00} plus a overdrawn charge of {$36.00}. PNC intentionally overdrew my account because I decided to leave.
Consumer complaint received 2017-10-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SUNTRUST BANKS, INC. (GA)

In XX/XX/XXXX, I had a flat tire and drove up to a gas station to get air in my tire. I used my SunTrust debit card to pay {$1.00} for the air. After swiping I waited for the air pump to work and it never did after I waited for over 5 minutes then I swiped it again and still nothing. I noticed the next day when I checked my SunTrust account that my account was overdrawn by {$75.00} which was an unauthorized transaction made on my debit card. I contacted SunTrust Bank the same day to advise them that the {$75.00} charge was nothing that I had done, this was an unauthorized charge and I began the dispute process with SunTrust Bank immediately. I have completed every step SunTrust has requested in trying to resolve this matter and get my money back to no avail. In the process of this dispute period SunTrust left my account in the negative and closed it as if I had done something wrong, never giving me an answer as to why my money was'nt given back and why the account was closed as well as asking me to pay the negative to bring the account current when I did not overdraw the account. This was fraud and I am being treated as though I am the criminal. Lastly, they have placed this fraudulent negative balance on my credit report. Please help me get this situation resolved and corrected. 
Thank you
Consumer complaint received 2023-04-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: I.C. System, Inc. (IN)

Attached is a copy of my credit report provided to me by XXXX XXXX XXXX XXXX XXXX XXXX ), and I ask that focus be put on the collection showing placed by I.C. System, Inc whose phone number is XXXX. Their collection is being reported to both XXXX and XXXX XXXX. They indicate they opened collection on XX/XX/2022 in the amount of {$310.00}. I ask that they confirm the validity of that collection, and I ask that both XXXX and XXXX confirm this validity as well. I also dispute the validity of this XXXX XXXX XXXX charge altogether because during the pandemic, I tried to subscribe to the XXXX & XXXX service. The company had difficulty connecting my service, so I called and let them know after many attempts that I want to forgo service with their company. I did not sign a contract with this company at all during this time.. In conclusion, I was never provided service with XXXX XXXX XXXX and they still charged me.
Consumer complaint received 2017-08-14
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)

I was shocked when I reviewed my credit report and found late payments on the dates below : Creditor : XXXX XXXX Account # : XXXX I was never late 30 days in the month of XXXX 2017. I have always made my payments on time. I am not sure how this happened. I believe that I had made my payments to you when I received my statements. My only thought is that there was a billing error with my statement.
Consumer complaint received 2020-10-05
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 — Investigation took more than 30 days
Company: AES/PHEAA (PA)

In XXXX of 2019, I was performing my annual credit check. On my report, I found several errors, with a majority of them coming from a student loan servicer AES. AES apparently at some point, awarded the debt to XXXX XXXX XXXX, while never including me as part of the transition. In XXXX of 2019, I requested that XXXX XXXX XXXX forward me any documentation or contract with my signature on it, affirming my relationship with that bank. I received a letter back from XXXX XXXX, informing me that they had no record of the account numbers that were associated with their name on my credit report. Without documentation by XXXX XXXX  that I had a relationship with them, it is the opinion of not only myself, but of my legal team that any negative tradeline involving XXXX should be PERMANENTLY deleted from my credit report. 

Again, I am simply asking that AES or XXXX XXXX provide any proof that I had a relationship with XXXX XXXX. Without proof of this, XXXX XXXX XXXX continued presence on my credit report is a violation of the Fair Credit Reporting Act. Without prompt action, I will be seeking legal remedy by the courts in the coming months. 

P.S. I have linked both the dispute letter, and the letter from XXXX XXXX below.
Consumer complaint received 2023-04-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO. (IL)

{$50000.00} in limbo and no one can provide answersShame on Chase! 

I made two external transfers {$25000.00} each from Chase on XX/XX/23 to an online savings bank. 
Usually these transfers show up at the receiving bank in one day. I have made many of these transfers. 
When it did not show up at the receiving bank by XX/XX/23 I called Chase. After over an hour on the phone the rep finally learned from her supervisor that I was in the wrong department. I needed to be in the fraud department. I was transferred to fraud and after a lengthy explanation a complaint ticket was issued, I was told that the transaction could be reversed if I wanted. However, the agent suggested we wait another day and we agreed to call back if the transfer was not completed by XXXX. The agent said the complaint ticket number would get us directly thru to his fraud department. 
The next day the transfers were completed and received into the online bank. All good until today Today XX/XX/23 I got an email from Chase saying that one of the transactions was being reversed. Why? I never asked for it to be reversed. I called and was again on the phone for 36 minutes and several supervisors. I wanted to know why they were attempting to reverse the transaction when I had not authorized that. I also wanted to know what, if anything, was happening to the second transaction that was done of the XXXX. 
This supervisor was not able to answer any of the questions but wrote up another complaint requesting to escalate to a higher official. She would not transfer me up the line. She said someone would phone me within 48 hoursthat was her only option. 
I told her very clearly that I was not satisfied with that response. Well see if that happens! 
{$50000.00} in limbo since XX/XX/23 ( 7 days ) and no one can provide any details other than that someone will get back to me within 48 hours.
Consumer complaint received 2017-10-09
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (TX)

OnXX/XX/XXXX I started a refinance application with Quicken Loans. All paperwork was done online and submitted online. I had a home loan and a home equity loan. The home loan was with XXXX XXXX XXXX and the equity loan was with XXXX. All i wanted to do was to combine the two loans back into one. So, that is refinance loan. I got a call from Quicken Loans, ( do n't remember the date ) telling me that in order to make the numbers work that they would have to include one of the credit card amounts in the loan. I said okay, but was not aware that this was going to make my loan a home equity loan and this was not explained to be by the Quicken Loans Representative. I really did n't realize that it was a home equity loan until a week ago. I applied for a home equity loan and the bank called me to tell me that i already had one home equity product and that in the state of Texas a person is only allowed to have one home equity product at a time. I was confused about that and so i went to look at the loan documents i had received from Quicken Loans and sure there it was. I never really looked at the documents that i received in the mail from Quicken Loans. If i was told at the time that this was going to be a home equity loan, then i could have research it and make a decision. So, I still thought it was a refinance. Part of my complaint is Quicken Loans did not disclose to me at the time that adding the credit card would make my loan a home equity loan and the other part of my complaint is the way in which the closing was done. 

Quicken Loans did not follow the law for the closing of home equity loans in the state of Texas. The law states that all closing of home equity loans are to be done in person and at a physical address and if is not, then the person would have to sign a power of attorney to have someone sign for them. If a power of attorney is assigned then all paperwork would be signed " person name by person name ". In my case none of that happen. I did not attended closing. I did not give permission or sign any power of attorney and all documents i received from XXXX XXXX, XXXX only have my name typed on the line and no initials, no notary seals on any paperwork. I did ask Quicken Loans several times where would be closing be done and they said at a office near me. Then i got a call that the closing was going to be done and I would not have to attend. All this was done in a matter of 24 days from start to finish. I applied on theXX/XX/XXXX and documents state closing wasXX/XX/XXXX.
Consumer complaint received 2017-10-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ERC (CA)

I requested to have the debt validated, documents were provided but some of the documents were modified, some of the documents are showing due dates of XX/XX/XXXXwhere others are showingXX/XX/XXXX I  called the original creditor at XXXX and spoke with XXXX in XXXX XXXX who informed that the debt had been charged off. 

From my understanding if a debt has been charged off it is not collectable by a collection agency.
Consumer complaint received 2017-10-09
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (MT)

I received my degree as a non-traditional student because I thought it would help me find a better job. When I received my first repayment information, I still had not secured employment that would allow me to repay the loans. I put the loans in forebearance, I believe this was through XXXX. At some point the loans were transferred to FedLoan Servicing. I later found out that if I made 120 payments, adjusted based on income, and applied. My loans qualified and I started this program. Then, about six months ago, I was told by a customer service person that it would be better to consolidate the loans, so I did just that. I received a letter dated XXXX XXXX, 2017, showing that I had a payment due. It also showed that I had no PSLF qualifying payments. I called to find out why my payment was so high and why the letter stated I had no qualifying payments, even though I had three years of qualifying payments. I was told that I lost all previous qualifying payments because the loans were consolidated! I am trying to get qualified again, but I dont know where else to go because FedLoan Servicing has mishandled my student loans. It is not right that they would talk me into consolidating my loans without mentioning that I would lose the three years of qualifying payments.
Consumer complaint received 2017-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (MA)

I had submitted a complaint about Ally Financial with your company back in XXXX and was sent notification that the late payment from XX/XX/XXXX was removed from my credit report in XXXX. Upon pulling my credit report XXXX is showing that I have XXXX accounts with Ally ; one with the late payment removed and current, the other still showing a late payment and with no record of payments after XXXX. I submitted a dispute with XXXX  over a month ago to remove the duplicate out of date account and still no word. But since I did that dispute my account with Ally changed again on my XXXX report, showing a late payment from XX/XX/XXXX and is out of date also because it does not show any of the current payments I have made since XXXX. The problem with XXXX is that it does not even have the duplicate accurate account that XXXX has. When I pulled my credit in XXXX my XXXX was accurate then changed 2 weeks later.