davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA (UT)

Goldman Sachs apple credit card - I called GS Apple Credit card rep and was advised a XXXX  was placed on my account. I have not filed XXXX  this can be verified by my social security they have made an error on their end and I am unable to use my card. I want them to resolve and apologize as I am unable to use my card. I payoff my balances and keep my cards in good standing. I have my credit score at XXXX and I have never filed XXXX
Consumer complaint received 2021-04-11
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: ALLY FINANCIAL INC. (IN)

I have an auto loan with Ally Financial Auto. I was unemployed for six months and fell behind on payments. Despite making partial payments in any amount I could, they have been and continue to harass me, my wife, extended family members, and my employer with hourly calls and voicemails that are overload our phones voicemails. Additionally, despite making partial payments, they recently locked my account preventing me from making direct payments to them and forcing me to use wire transfers.
Consumer complaint received 2021-11-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (GA)

XX/XX/XXXX I purchase XXXX XXXX shares of XXXX from www.coinbase.com. This costed a little over 1000 but resulted in over {$100000.00} because in XXXX days XXXX  changed price and went from XXXX to to XXXX. I took screen shots to show what I earned. Then coinbase locked the accounts. Then coinbase changed the original shares brought to around 100,000 shares and put XXXX in in my account. Fraud. When I tried to cash out the money of over 100,000 it would not cash out it it locked up. I reported it to the sec.gov as well. I have all screen shots of earnnings, trying to cash out, cancellation messages and all.
Consumer complaint received 2018-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (OK)

You are in violation of the law, and putting me at risk. You should not have this on my report due to items/the information does not include nor does it provide complete details on me, the consumer, which would put me in further at risk of identity theft. In order to be on my credit report, it should provide all of the following : name, address, social security number and/or date of birth. They do not. Beginning in XX/XX/2017, Equifax, XXXX and XXXX will no longer include records of tax liens if there are not at least three identifiers : name, address and either social security number or date of birth. My tax liens do not include all three or four identifiers, Therefore the state tax liens should be removed from my credit report immediately.
Consumer complaint received 2021-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NY)

On XX/XX/2021, I submitted a request to both XXXX and Equifax requesting that they remove inaccuracies from my credit file with them. The credit file shows the following " Public records concern legal matters associated with you and are gathered from courts and government agencies. '' and that the " US BKPT CT NY XXXX '' shows a " Bankruptcy chapter XXXX-discharge. '' However, per the bankruptcy courts, they do not report such information to the credit bureaus. XXXX has already done the right thing and removed this inaccuracy from my file so i dont understand why equifax and XXXX  continue to harm my ability to obtain credit. 

All I request is they remove these items from my report immediately as this is inaccurate per the reasons stated above.
Consumer complaint received 2022-08-08
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)

.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, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Did not consent to authorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. Did not consent to authorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. Did not consent to authorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. Did not consent to authorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. Did not consent to authorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. Did not consent to authorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. Did not consent to authorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
8. Did not consent to authorized inquiry XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
9. Did not consent to authorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
10. Did not consent to authorized inquiry XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
11. Did not consent to authorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
12. Did not consent to authorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
13. Did not consent to authorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
14. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
15 Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
16 Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2021-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (TX)

I have submitted multiple dispute letters looking to update my address on my credit report. Equifax is giving me issues and now not allowing me to view my credit report because the address isnt updated! I am looking to update my address on my credit report and also remove any fraudulent information on my credit!
Consumer complaint received 2021-04-11
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I'm contacting to find out what is going on and why I am providing my information and they tell me that it will be updated in a couple of days. I have provided the information and I'm waiting for the information to be updated.
Consumer complaint received 2018-04-17
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: AES/PHEAA (FL)

I am having a hard time correcting the payment status on my student loans from XXXX  XXXX. The payment status is reporting inaccurately to XXXX and XXXX for XX/XX/2015. There is seven loans with one late payment for XX/XX/2015 on them. There is four loans with one late payment for XX/XX/2015.
Consumer complaint received 2021-04-10
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Westlake Services, LLC (FL)

This debt was resolved nearly two years ago when it was paid under settlement. I was promised that it would be removed from my report and that I would hear the end of it. However, recently, this company put this incorrect and predatory information back on my credit report that deducted 85 points from my profile. I have the proof that it was paid on XX/XX/2019 directly from my checking account in the amount of {$1200.00}.
Consumer complaint received 2018-10-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO. (VA)

I was alarmed once I reviewed my XXXX, XXXX  and XXXX   credit reports and found that I was reported as having a late payment on the date below : 30 days past due as of XX/XX/2018 I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this occurred, I believe that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it wasn't recorded on time.
Consumer complaint received 2021-11-22
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: CITIBANK, N.A. (SC)

I, the natural living person, am notifying the CFPB of the billing error on the accounts I have with Citibank. I received a statement from Citibank stating that if there are any issues with the statement, to notify them within 60 days. I have already requested documentary evidence that I owe Citibank, and they have not provided that. I understand under 12 CFR 1026.13 ( 6 ) that it is in fact a billing error when the consumer requests additional clarification which includes documentary evidence. Citibank is still stating that I owe them, when in fact, they haven't provided any documentary evidence to prove that. I have notified them that I, in fact, am aware of this billing error and it needs to be corrected. I provided them with a billing error notice, explaining to them that I have reasons to believe that there is a billing error, and included the amount of the error that exists. As of right now, this billing error has not been corrected and Citibank continues to create more billing errors on my account. Citibank has also closed the XXXX accounts I have with them due to nonpayment when I have advised them that there is a billing error. Citibank is prohibited from closing accounts or taking adverse action when the consumer notifies them of a billing error, which is also under 12 CFR 1026.13 ( d ) ( 3 ).
Consumer complaint received 2020-07-24
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. (CA)

It has been nearly two months since I mailed letters to the credit bureaus but I have received no response from them. It is my understanding they have thirty days to respond so they have gone far past the deadline at this point. I sent the first letters XX/XX/20. I sent more letters on XX/XX/20, but at this point I don't believe I will receive a response so I am asking for assistance. I will attach the first letters with this complaint.
Consumer complaint received 2022-06-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (FL)

They have been charge my account since XX/XX/2022 for overdrawn fee and now the charge me more than {$1000.00} overdrawn fee only very soon they will close my account. Im really concerned if its normal for a bank to charge more than {$1000.00} for fee only.
Consumer complaint received 2022-01-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (DE)

I have recently moved from XXXX to XXXX. I am a Wells Fargo Customer. I recently visited my local branch here in XXXX  to use my ATM card and was told that there was a block on the account, so I could not use my ATM card. 

I went inside to the branch to inform them and to verify my identity by presenting my ID card and my ATM card. I was told my account was verified and I could continue using my account normally. 

However, I am still blocked out of my account. I have called 3 times, each time waiting over 45 minutes on hold. Each time, the agent refuses to help me and to tell me to visit my local branch to present identification. I have done so already, but am still unable to access my account. 

The last agent on the phone with the name XXXX was rude, harassed me and hounded at me.
Consumer complaint received 2021-04-10
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc (WA)

I used PayPal to send {$5800.00} to a friend in Canada ( on XX/XX/2021 at XXXX XXXX  XXXX XXXX, but my friend only received {$7000.00} CAD instead of the {$7300.00} based on today 's exchange rate. When I called PayPal to confirm that there was not an error the first customer service rep told me that the exchange rate had changed in the hour since the time I had sent the transfer. I called back about 10 minutes later and got a different customer service rep who admitted that PayPal charges a 3 % fee plus a separate cross border fee to send money from the US to Canada. These fees WERE NOT disclosed when I transferred the money, or I would have paid them up front so that my friend received the full amount that I was sending. PayPal did disclose the 1.5 % fee to use a credit card, which was added to the total that I was charged. However the 3 % fee and the cross border fee were paid by the recipient and did not show on my receipt from PayPal.
Consumer complaint received 2022-06-26
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: TEXAS HIGHER EDUCATION COORDINATING BOARD (TX)

Filed a complaint with XXXX Credit Report Bureau. Because the Texas Higher Education Board reported 4 loans on my credit as being late more than 30-days. The thing is that I had all my loans deferred while still in school and Active Duty. I first reported to them and they agreed that it didn't make sense but never did delete it or report the change. So we informed XXXX. We feel that XXXX did not investigate properly and do their dudiligence of deleting this misinformation. If they would have done the research, they would have seen that all the loans were grouped together and there is about 6-7. S0 4 of them reporting late does not make any sense. If they are grouped together in my payments, they would have all been late together. There has never been any payments on these accounts because they have always been deferred. The information is incorrect reporting and I need it to be deleted.
Consumer complaint received 2021-02-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (PA)

Wells Fargo Home Mortgage recently transferred my home mortgage loan to XXXX XXXX XXXX. The documentation I just received from WF included a loan modification agreement. I didn't have a loan modification with Wells Fargo so I need to know exactly why they sent me paperwork about it. I agreed to a loan mod with WFHM in early 2020. Because of the pandemic, I did not get the paperwork signed and notarized by the date specified by WF, and they cancelled the loan mod. I did not apply for a loan mod after that time, nor did I sign any paperwork for a new loan mod or get paperwork notarized. I would like a response from WFHM explaining why loan mod paperwork was given to me. If they are claiming I have a loan mod, it is a fraudulent loan mod on the part of WF.
Consumer complaint received 2018-10-16
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: Neon Newco Corporation (NH)

XXXX is withholding ACH deposits due to a supposed glitch in their system, there are thousands of people who worked hard for their money and are not receiving their paychecks, myself included. This has been going on since Friday XX/XX/2018 with no timeframe in sight as to when we will receive our money. XXXX XXXX XXXX
Consumer complaint received 2022-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

Good afternoon I mailed out a certified letter to Equifax requesting to remove the extended fraud alert from my report, I provided the required documentation to prove my identify. I have not received a response from Equifax and neither has the alert been removed. 

Please see the attached file for a copy of the letter sent out along with the documentation provided. 

Please remove the extended fraud alert from my report immediately. 

Thank you,
Consumer complaint received 2022-08-13
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. (FL)

Equifax is knowingly reporting false/inaccurate information due to identity theft on my credit report. The name attached to my file number is not mine. The addresses attached to my file not mine. The phone numbers attached to my file are not mine. Wrong names being reported. Inquiries that I did not authorize being reported. They are knowingly and willing breaking The Fair Credit Reporting Act in multiple violations pursuant to 15 U.S.C. 1681-1681. I want all accounts listed below deleted with 48 hours of this complaint being received. All items listed are fraudulent and inaccurate and Equifax is breaking the law.
Consumer complaint received 2022-08-08
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. (VA)

I'm XXXX XXXX XXXX, and I appreciate your taking the time to repair some accounts pieces of information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (TX)

My property Taxes were due XX/XX/XXXX. Closing Date was scheduled for XX/XX/XXXX. I asked Chase if that would be an issue to get the closing done and my property taxes paid in time without a penalty due. Chase told me yes. I closed on the XXXX with no issues and there was a mistake on the paper work on Chase 's part. The loan did not get funded till XXXX and I was levied a penalty for not paying taxes on time. I reached out to chase to ask for the discerepency but they keep giving me the run around. It has been over 2 months and there has not been a resolution. I have asked multiple times for repayment of the current penalty which is now from XXXX to XXXX. I work full time and to have to reach out to chase every week for a followup and no progress is extremely frustrating.
Consumer complaint received 2021-04-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (NY)

My case number is XXXX On XX/XX/XXXX I posted a ticket to coinbase support regarding being locked out of my account. Coinbase support responded on XX/XX/XXXX and requested that I complete a few steps to recover my account. I responded immediately and executed all steps that I was asked. 

My last correspondence with Coinbase support was on XX/XX/XXXX@XXXX XXXX EST. They stated that given the nature of my case, a specialist would be needed to resolve the matter and that they would respond once the specialist has worked on the account. 

I sent a follow up email on XX/XX/XXXX and XX/XX/XXXX - no response. Yesterday, XX/XX/XXXX, I tried to contact coinbase support on XXXX - no response. 

Today, we are officially 2 months out ( from the initial response ) and still no updates from Coinbase. I have been locked out of my account and can not access my currency.
Consumer complaint received 2021-04-10
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. (RI)

On XX/XX/XXXX and XX/XX/XXXX I sent a letter disputing 2 collections reported by the same company. I have yet to see any documentation regarding these account nor their investigation.
Consumer complaint received 2018-10-16
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: CITIBANK, N.A. (RI)

My account was closed in error by Citi bank with a deceased code. While the account was closed, and as I awaited Citi bank to correct the error, automatic payments were no longer made on my account, and it was not possible to make payment otherwise. After the deceased code was finally removed from my account, it resulted in a charge off. I am requesting that Citi bank remove this charge off listed on my credit report immediately, because it has negatively impacted my credit score through no fault of my own and only due to the fault of Citi bank.

I have attached supporting documents and letters I have sent to Citi for reference and further details.
Consumer complaint received 2018-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (GA)

i applied for couple credit cards to see if it actually hits my credit and it did even having a freeze on credit and i called them to see how where they able to pull they said you didnot had a phone number to call so we allowed to pull them well they just have to block it