davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE (OH)

In 2017, BarclayCardUS reported a 30 day late that was not late. I disputed this through the CRA 's and it came back as resolved. 

Last month, during the Covid crisis I was late on my payment due to work related issues, but it was not 30 days late which it is reporting on all my reports. When I spoke to the company they indicated they are making no concessions related to Covid which is insane considering how impacted this country is.. Now these late payments, the only TWO negative marks on my credit score, are impacting the rest of my finances and causing other companies to lower my limits and change my interest rates. 

I would like BarclayCardUS to remove these late payment reports. If they are unwilling to do so, I would like BarclayCardUS to remove the entire tradeline from my report so I can continue with my potential home purchase. 

I have attached the XXXX  report which shows the Barclay account and the dispute resolution, and two printouts from bank statements showing the payments.
Consumer complaint received 2018-12-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: MARINER FINANCE, LLC (MO)

On or about XX/XX/2018 I took out a loan from Personal Finance in XXXX Mo and purchased additional insurance for " involuntary unemployment '' around the month of XXXX or XXXX I was laid off from my former employer and filed a claim on said insurance however they refused to payout or cover loan payments stating I was seasonal although a Regional Director & District Manager can and will testify I was advised I was a full time employee but insurance I diligently paid for thru personal finance XXXX mo refused to cover me therefore putting me in an " economic hardship '' I intend to counter sue if they take action however recently and without my consent Personal Finance continues to run hard pulls on my credit I have demanded I revoke any original consent and they refuse to allow me to revoke my consent to do so this company sold me insurance that they knew wasnt going to cover me and they need investigated and fined for their frivolous actions. Shame on personal finance XXXX.
Consumer complaint received 2022-02-28
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: V.I.P. MORTGAGE, INC. (AZ)

I never authorized this company to pull my credit. I called them to have them remove this, but they have no record of this. They sent me to the company they used to pull credit. They wanted me to provide them with lots of personal information before they could investigate. The problem with this is that I never provided my personal information to begin with. Why would I provide it now? They would then be able to say yes, we did get the information from him. They refused to act on my request. 

This inquiry is damaging to my personal credit. It's preventing me from obtaining normal rates. This entry is placing me in a higher risk category. 

I'm strongly requesting that it be removed immediately from all credit reporting agencies.
Consumer complaint received 2017-07-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (FL)

Around the XXXX or XXXX of XXXX i had to factory reset my phone due to numerous problems. I was not able to use the phone long enough to change my 2FA ( 2 Factor Authorization ) settings on my virtual currency exchanges. I do n't have the security keys to install new tokens, once the phone was restored. I had do reset my connection with more then one exchange, and all but coinbase have been a fairly straight forward experience. This usually involved additional verification of id, some wait time, done. I have contacted coinbase via their SUBMIT A TICKET OPTION several times. The first time was on XX/XX/XXXX. The last time was yesterday XX/XX/XXXX. I have followed all their instructions, i submitted additional id info, which was accepted. The usual response is in a form a standard form answer. At this point i ca n't follow their instructions any longer because it requires me to have a new phone number. None of the steps recommended by coinbase have worked. I also went thru the steps to reset XXXX, as per coinbase recommendation, which is a 24 hour reset process. All my other security tokens are available on XXXX except for coinbase. I have contacted XXXX support, and was informed that coinbase manages their own tokens, and mine has been disabled/revoked. I have not received an answer from coinbase on this issue. There does n't seem to be any other way to contact support except for the SUBMIT A TICKET option. And the response time for any ticket seems to be about 3 to 4 days. Most of the answers received come from a no reply email. So the only way to ask questions or respond is to SUBMIT A TICKET. At the time this started i believe the value of my account was around {$12000.00} to {$13000.00}, i ca n't be sure since i ca n't check my balance.
Consumer complaint received 2021-10-03
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: FC HoldCo LLC (CA)

Submitted multiple disputes with all three credit reporting agencies account was verified as accurate. This accounts was to be removed from all my credit reports back in XXXX it is past the 7 year statute reporting period. I have evidence account date was illegally re- aged.
Consumer complaint received 2019-10-21
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. (PA)

Transaction of {$520.00} from merchant tm XXXX XXXX  XXXX on Citi Double Cash Card account is not a valid transaction and I am requesting that amount be credited back to my account and that this merchant/ transaction is investigated to further prevent fraud. The transaction originally showed up on our account in XXXX but thanks to the instant phone notifications from Citi Mobile App I was able to quickly contact customer service to cancel/ close that card and have a new card number sent out. Now however we are notified that amount is due and that the transaction was valid. I have multiple concerns about this transaction, and I can ensure it is not valid. We are taking this very seriously because this is the 3rd time we have had an issue with fraudulent transactions on this account and I can ensure you the following : - No authorized users of the card made a purchase ever from that merchant - Both card holders had possession of the card at the time of the purchase - The merchant tm XXXX XXXX XXXXXXXX is unknown to us and I have no contact information from this merchant - Immediately after the transaction was made we disputed the charge and closed that account to avoid further fraud It is most concerning that no information was provided to us about the charge, no phone number, address or contact information for the merchant or the transaction & no evidence was given to support that this was a valid charge. We were simply told it was not fraud and charged {$520.00} with no explanation. We were in contact with Citi customer service immediately at the time of the original transaction and after they notified us that they determined it wasn't a fraud transaction last month we mailed them a letter immediately as per their procedure for billing disputes. It has been since they received the letter and there was been no response from Citi customer service. 

Thank you for your help in resolving this matter.
Consumer complaint received 2022-10-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX. Chase has closed my account without any reason. I tried to contact Chase and was told that " We restricted your account ending in XXXX for closure because we needed to verify third-party issuance of XXXX checks, made out to XXXX XXXX XXXX you deposited totaling {$7000.00} on XX/XX/XXXX. Since we were not able to complete verification within a timely manner, we closed your account and placed the remaining funds of {$7600.00} in suspense. '' Then, Chase sent me a check for {$660.00} but still withheld the remaining {$7000.00}. I tried to ask the issuers of the checks to recall the checks, however, they were being told that as the deposits had been made, there is no way for the issuing bank to recall or stop the payment. I am requesting Chase to send me more detailed instructions to mitigate this problem.
Consumer complaint received 2018-12-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (NY)

I applied for this account and was approved in 2016. I requested to have XXXX XXXX as a authorized user on the account and apparently he then added himself without my authorization as a joint applicant. I was under the impression the account was still open but he took it upon himself to close the account due to divorce. we were never a married couple and he had no authority to do this cause I never approved putting him as a joint.
Consumer complaint received 2017-07-20
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. (TX)

Its my understanding while purchasing a new car at the Dealership, the following inquiries should be count as " one '' not " three ''! I only gave permission for 'one ' credit inquiry. Please delete three from the list below soonest : a ) XXXX XXXX XXXX XXXX XXXX, VA XXXX b ) XXXX / XXXX XXXX XXXX XXXX XXXX, SD XXXX c ) XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2023-01-06
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Colony Brands, Inc. (CA)

My name is XXXX XXXX XXXX and on XXXX XXXX a credit card was opened with creditor XXXX XXXX or Swiss Colony XXXX. This inquiry was fraud on my credit report because I never authorized this account to be processed. I want to dispute this because it messed up my credit score and I just purchased my home and i dont want to lose my home because of a fraudulent inquiry. The credit card limit was XXXX  and the reported balance was XXXX
Consumer complaint received 2019-10-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (TX)

Credit report shows a {$210.00} delinquent account on a JPMCB. I am NOT aware of this debt. Credit report shows it just appeared on my credit report XX/XX/19. If I had a delinquent debt, why havent I gotten a bill from whom ever this creditor is so I could pay it. I paid off all my debts after XX/XX/2019 after selling my business.
Consumer complaint received 2017-07-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (AR)

XXXX of XXXX I tried to make a payment but case was closed because my attorney failed to make a modification. Ditech/Greentree filed a motioned to lift the automatic stay, because I missed two payments but, one of the missed payments was my attorneys fault which raised my payments 60.00 more, but stay was lifted. I found out months later from the trustee that my attorney without my knowledge had surrendered my home the year before & then applied for more money! but was denied. The trustee told me that I had around 7,000.00 at her office. I asked Ditech if they would accept that & modify my loan, & my husband a ( veteran ) had offered to take out a VA loan if it would help us keep our home, but they refused & said that I had to have XXXX before being considered! Previous to this we hired XXXX XXXX XXXX to lower our interest which was at 10! /2 % for 20 years we owed almost what we gave for it! Our payments that went from XXXX to XXXX from Bankruptcy. I had applied on line for a modification which is '' '' STILL BEING REVIEWED, '' '' today! We hired another attorney which shows on the NDC summary a modification to the plan was made the day before MY HOME WAS SOLD which was XX/XX/XXXX!!. Last year my attorney was arrested & yesterday he & his paralegal were arrested for XXXX, Yesterday we GOT EVICTION NOTICE!! .. Is there anyway we can stop this due to No counsel?? asap ... they are kicking us out Immediately!! Sincerely, XXXX
Consumer complaint received 2017-07-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF THE WEST (UT)

I submitted an application to open a checking account on XX/XX/XXXXunder a promotion to where I was supposed to receive {$50.00} by using my debit card to make 10 transactions of at least {$3.00} each for the two months following my opening deposit posting to my new checking account. The minimum opening deposit for this account was {$100.00}. I clearly chose to fund my opening deposit at the time of the application with a {$500.00} credit card deposit. That deposit posted in XX/XX/XXXX. I subsequently made the required 10 transactions in XX/XX/XXXX and 10 more in XX/XX/XXXX to meet the terms of the promotion. My account was opened on XX/XX/XXXX and I decided to link this new account to an existing checking account at another bank. They subsequently sent trial deposits totaling XXXX cents to my new account that posted on the last day of XX/XX/XXXX. The bank insists that this XXXX cents counted as my opening deposit despite them clearly being trial deposits and not even meeting the minimum amount for an opening deposit. They then claim because I did not make the debit card transactions in XX/XX/XXXX that I did not meet the terms. I believe they are both factually incorrect and being extremely unreasonable in refusing to honor their promotion. This has been an extremely frustrating experience.
Consumer complaint received 2017-07-20
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)

My husband and I sent a letter to the credit bureaus XXXX XXXX 2017 asking them to investigate numerous issues we had on our reports. They responded to my husband but sent nothing about me, even though my information was in the same letter!
Consumer complaint received 2019-10-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

Where to start with the issues I've had with Chase Bank since closing on my mortgage XX/XX/19? I'll touch on the latest issue, a loan modification application. As some folks may know, a loan modification isn't necessarily predicated upon financial hardship, but this is one of the several criteria that must be met if your mortgage loan is with Chase Bank. Ok, they're are presumably allowed to set those terms. Not realizing this, I submitted by loan modification application ~XX/XX/19. No problems so far. However, when Chase received my application, they disallowed me from submitting my mortgage payments through my online Chase account. Hmm, why would Chase Bank do this? In a response dated XX/XX/19, Chase claimed it was working on better IT solutions for their customers ( I'm paraphrasing ). How nice of Chase Bank to think of allowing customers to conveniently submit some payments online while the application is being reviewed. Chase responded that I can still can to a local Chase branch, call Chase Bank, or mail a payment. All of these require time, which I don't have much of. In addition, what good reason does Chase Bank have to disallow me from submitting mortgage payments online? Of course, my $ 300k plus mortgage loan is likely accruing interest all the while. How interesting, right? In another email from Chase dated XX/XX/19, I was told in the email that I could email my financial institution information along with the amount and date I'd like to pay toward my mortgage. I responded XX/XX/XXXX that I'd like a payment to post XX/XX/19. Today is XX/XX/XXXX and my payment has not posted and communication from Chase Bank has fallen silent. Also interesting ... 

Here 's the bottom line : Chase has put up barrier after barrier and excuse after excuse to limit the number of people who apply for loan modifications and to make it smooth for those who do. Why? Chase Bank stands to lose money, of course. I get a number of nice-ish emails and calls the week of XX/XX/XXXX from Chase Bank but they have no substance, just empty words from a bank who, in my opinion, doesn't give a XXXX about its customers. Don't do business with Chase Bank if you have other, hopefully, better options. I know I wont again.
Consumer complaint received 2017-07-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

I deposited a check for {$2200.00} into my Chase account on XXXX XXXX, 2017. When I logged in the following day to see my account activity, the bank withdrew the money and said there was an error with my deposit. I called the following Monday and spoke with a Customer Service Agent who said that the check was not properly endorsed. The check was endorsed and even had my account number on it. The fellow said that they would overnight a/the check to me and I would have to take it to a Chase bank lobby and ask. When I did not received the check by Wednesday evening, I called back. The customer service agent said that I have to go back to the issuing party and request another check. Why should I go and pay for a stop payment of {$30.00} and a reissuing check fee of {$35.00} because they can not get me my check back? If my check was not endorsed, they should have a procedure on how to get the check back to the customer. MY CHECK WAS ENDORSED and no image is available on the website either.
Consumer complaint received 2020-04-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2020, I saw these fraud transactions which are not mine. I have been calling Chase Claim service since then, but they keep me on hold and no one answers me. I claimed online for these transactions, and got Claim # XXXX. On XX/XX/2020 I received a letter from Chase that these transactions are not fraud. Please investigate this case again, because I did not authorize, I think my online banking was hacked, the same time five transaction were made. two of them were rejected by chase, other three transactions were completed.

From Chase business accounts was fraud two transaction XX/XX/2020- {$650.00} and {$480.00}. 
From Chase individual account was fraud one transaction XX/XX/2020- {$1000.00}. 
Please refund my money. 
Thanks.
Consumer complaint received 2022-12-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: OPTUM BANK, INC. (NC)

At the beginning of XXXX, I realized I had an XXXX  account with Optum Financial. I initially didn't realize this because I never received a debit card from them. I created an online an account but was unable to validate it without the card number. At that time, I called and ordered a new card. In XXXX, I had not yet received a card so I called back. I was told that cards that were ordered during a certain period never went out due to a glitch in their system - though I was never notified. I requested another card, I believe on XXXX or XXXX, and still have not received it. I have called several times and no one will provide me any information as to where my card is or when I will receive it. Different associates have given me different, contradicting answers. I have asked for a way to access my online account without validating it by a card number- but have been refused. So I have no way to access my online account or to receive a card for funds that will expire on XX/XX/31. I have asked to be e-mailed a form so that I can submit for reimbursement via fax. Both times I have asked for this, I never received the e-mail I was promised. I have looked into this company online and dozens of people have the same complaints.
Consumer complaint received 2021-10-03
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)

Submitted multiple disputes with all three credit reporting agencies account was verified as accurate. This accounts was to be removed from all my credit reports back in XXXX it is past the 7 year statute reporting period. I have evidence account date was illegally re- aged.
Consumer complaint received 2021-03-24
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: CITIBANK, N.A. (CA)

I paid down my credit card to better my credit score and improve my creditworthiness as I did to all my credit cards this month. Citibank deliberately lowered my credit limit immediately after my payment was made to intentionally blocking me into keeping my credit balance at a high credit balance forcing me to keep my credit score low. This was intentional and malicious and a deliberate act to intentionally harm me and my creditworthiness and to cause harm to my over all performance to do business and improve my life. This is an abuse of power and is not ethnically or legally correct. 
I was told that it was due to credit that was reported by XXXX. After speaking to XXXX they said that I have had 100 % pay on time and nothing has changed to worsen my credit for over 1 year. 
Credi card : Diamond Preferred ending # XXXX These are BIG BANK CROOKS!!!!!!!