davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MN)

Equifax has not been allowing people to Freeze Credit for at least 3 days now! 
On XX/XX/2019, I went to all 3 credit bureaus to freeze my credit. Two worked quite easily. However, the Equifax website would continually give an error. I was able to set up my account with Equifax properly, but I could not freeze my credit. The error message said " We can not complete your request at this time. '' We have tried for both my account and a separate account for my husband and receive the same error for both. 
So I tried again today, Sat, XX/XX/2019 and received the same error. I called the Equifax Consumer Care team at XXXX ( per the welcome email I received after setting up my account properly ), and the person who answered the phone said " I apologize but our systems are down and we can not access any information today. '' In summary, for over 3 days, Equifax is not allowing people to freeze their credit as they are required to do by law.
Consumer complaint received 2022-10-26
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: 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 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 2022-10-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (NY)

I made a wire transfer on XX/XX/2022 for {$20000.00}. I received an email confirmation from the bank that the wire was sent. The recipient never received it. Subsequently the bank told me it was held for compliance review. It has now been over 4 months and I can not get any meaningful response from Citibank. They tell me there is no person I can speak to and that they are under no time obligation to complete a compliance review.
Consumer complaint received 2021-03-14
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)

This complaint is about the 3 bureaus that have been disregarding my disputes for several months now. They have been denying and rejecting my complaint as well as believing that I am not the one sending disputes. They just find every little way to avoid the claims I have about this inaccurate and unverified information that they keep posting in my report. I reach out to you in hopes that they would finally decide to remove the inaccurate information from my credit report. Thank you and hope to hear from you soon!
Consumer complaint received 2022-10-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (NH)

During the pandemic I decided to open up a XXXX account. I decided that I would use coinbase since it is was a publicly traded company and the largest in the industry. When I signed up for the account they offered a wallet to store my funds. I figured since I was using them to buy crypto it would only make sense for me to use there wallet for security reasons. Over the last 2 years I been buying crypto and moving the funds to my Coinbase wallet until just recently when I upgraded my new iphone. When I recently went into the wallet I noticed that the app had been updated and it was not allowing me to login like I used to. It was now asking for a 12 word phrase which I do not recall ever getting and that I needed to retrieve from my icloud backup. When I did that it give me a 12 letter password that I use for most of my logins for other things. However, Coinbase wallet said it was incorrect. When I contacted Customer Support they claim that they dont support the wallet and if I do not have the 12 letter phrase I would lose all the money in the wallet which I estimate is {$12000.00}. I don't understand how this is possible especially for the least sophisticated crypto user. It seems criminal to me that I can be out all this money because they updated their app or I updated my phone. I don't know which of the 2 reasons is true. Maybe both. I really need help with this I can not afford this money that I invested. When I went online it seems that many people have experienced this exact issue with coinbase wallet. Now peoples hard earned money is floating around in the crypto universe. Please help.
Consumer complaint received 2021-05-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Upgrade, Inc. (CA)

On XX/XX/2020, I made a payment of {$1000.00} on my XXXX Visa account, which would have reduced my balance at the time to no more than $ XXXX. XXXX sent me an email message confirming my {$1000.00} deposit. My XXXX XXXX XXXX statement also indicated that {$1000.00} had been withdrawn from my checking account. Several days later, I checked my XXXX account and noticed that I had only been credited with {$110.00}, an amount I had never made. Since then, I have made numerous phone calls to XXXX and have been assured that the issue either : 1. Is being investigated ; 2. Is being corrected ; or 3. Has been corrected. However, the missing {$880.00} has never been applied to my account. A cursory check of my account by myself not only indicates that the missing amount has never been applied but that there may be additional errors. I have made numerous requests for an audit and have been assured repeatedly that I would receive it, but none has been forthcoming. In addition, XXXX declined payment on my card on numerous occasions, despite the fact that I have never been late making payments on my account. I have ceased using the XXXX card and have only been making minimum payments on the balance to avoid a late-payment notification to credit bureaus.
Consumer complaint received 2021-03-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (WA)

Denied credit card by chase base on in -accurate information in my credit file. Reference Number : XXXX, CHASE. 

MY INCOMES - XXXX SOURCES - FAR EXCEEDED MY EXPENSES - AS ALSO PASSIVE INCOME SUPPORTED MORTGAGE MONTHLY DEBTS. 

CHASE DENIED CREDIT CARD BASE ON IN-ACCURATE INFORMATION.
Consumer complaint received 2021-03-14
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Mar Joe Enterprises (TN)

Ive asked for dates of service from original place I received treatment. Three accounts have no name or account numbers. Very little information to go on. I have one bill that the Veteran Affairs is going to pay. I told them that and they still put it on my reports. I was XXXX XXXX and CBC is really getting to me. I have XXXX bad.
Consumer complaint received 2021-09-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MO)

I am submitting a complaint onFedLoan Servicing due to unfair status claims regardingPublic Student Loan Forgiveness qualifying payments and the extremely slow process of reviewing my current employment status. 

1. Payment and PSLF : In XX/XX/XXXX, I felt that I should be getting close to repayment numbers that would allow me to qualify for Public Student Loan Forgiveness ( PSLF ). When delving into my accounts I noticed that there were an inordinateamount of " Your payment was received outside of payment period window '' flags on payments over the years ( see files 1-2 ). As someone that is not a late payer on anything ( I have an over XXXX credit score ) I was instantly shocked to see so many of those. So, on XX/XX/XXXX I started an online chat with someone at FedLoan Servicing. As you can see in the chat transcripts ( file 3 ) the staff member, XXXX, acknowledged that some of the " late payments '' were not late at all but simply short a small amount of money most likely due to a billing error ( Why would I pay $ .1- {$5.00} short of a bill that is hundreds of dollars if not a billing error? ). She said that she would make note and get the {$.00} changed to qualifying but couldn't do that for the ones that are more than that ( even though, as mentioned, it was most likely pulled from a previously paid bill already ). Again, I am unclear as to why their billing issues result in my not qualifying for payments properly. That is incredibly unfair and feels manipulative. Also, it has been well over a month since I spoke with XXXX and none of those {$.00} " late '' payments have been changed to qualifying payments. 
2. Reviewing Employment Status : Also listed in the chat ( file 3 ) you can see that I asked about my updated employment information so that the current months can also qualify towards PSLF. I know they spoke to my boss on the phone toconfirm that I still work there so I'm not sure what the hold up is otherwise. I have also continued to work for the same employerfor eleven years now anyway. I fear that they are purposely dragging their feet during the forbearance time and I am incredibly frustrated. 

Lastly, I have received word that FedLoan Servicing will cease being my loan provider in the coming months. A new service provider potentially comes with a new interface, new processes, and I fear that my information and previous complaints/requests will be lost in the shuffle of transferring to a new company. I would like these problems solved as soon as possible and before the service is switched to a new company.
Consumer complaint received 2021-03-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (CA)

I applied for a refinance with Wells Fargo Bank N.A. and spent 3 months submitting information to them often the same information for the refinance. At the start they requested XXXX dollar {$500.00} which would be for an appraisal. Well at the end of XXXX I was told that they could not refinance my loan because the chapter XXXX release needed to be 2 years in order for Wells Fargo to issue a loan. My question was as an underwriter should you not have been aware of this from the beginning? That was the 1st thing we discussed. To make a long story short, I said fine let 's move on, please refund me the appraisal fees being that we never scheduled or even spoke about scheduling. I was told it was not Wells Fargo policy to return appraisal fees because they place an order when they start a loan process. I told them, I have not received a service for which you want me to pay for. That is called fraud. I want my funds return. I then proceeded by sending an email to the underwriter requesting my refund for the appraisal fees that were not performed. Until today, I have been forwarded to phone numbers that do not respond and it seems that I have little hope of getting my appraisal fee back. I'm retired on full XXXX and a senior citizen who can not afford to loose {$500.00}, it may not be much to others to me it is alot of money. To charge a customer for a service that is not provided is fraud. Any other person did this to people they would go to jail. Well Fargo is a big bank and makes big political donations, yet they are committing fraud with the American tax payer and getting away with it.
Consumer complaint received 2019-02-09
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: STERLING JEWELERS, INC. (CA)

This is a XXXX XXXX credit card service provider. XXXX XXXX and XXXX XXXX XXXX XXXX both promote 0 % interest for 12 months on purchases over a certain amount. I qualified for this 12 percent interest. The only reason I applied for the credit card was because of the 0 % interest for 12 months but somehow I am still being charged the highest interest rate at 26.99 %. I called customer service for both XXXX and XXXX and could not get this resolved.
Consumer complaint received 2022-03-29
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Paycheck Solutions llc (IL)

Calls started XX/XX/XXXX they have been constant almost everyday 2+ plus time a day. I asked them to please stop calling me especially during work hours on XX/XX/XXXX i stated my work hours are XXXX XXXX  - XXXX XXXX  XXXX and I can not have my phone blowing up. Also sent a letter back to the company when they threaten to garnish my wages and told them they can not do that as I have no knowledge of this debt. They told me I borrowed money in XXXX  and I informed them I have never heard of them and I have no knowledge of it and I had reported identity theft in XXXX and XXXX they will not stop calling and I have them blocked until they find another number and they will start again. Also what's on caller id is different to like they don't want to be known as what they are
Consumer complaint received 2021-03-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (FL)

At XXXX XXXX, a text notification was received from Discover that a transaction on my Discover card had been made for {$470.00} on XX/XX/2021. Along with a text I received an email with a full itinerary detailing that flight # XXXX departing from XXXX XXXX in XXXX XXXX XXXX XXXX to XXXX  airport in XXXX. The names provided for the passenger tickets were XXXX XXXX and XXXX XXXX with ticket number XXXX and XXXX. The confirmation number on the ticket is # XXXX.
Consumer complaint received 2022-10-13
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. (NJ)

In accordance with the Fair Credit Reporting Act these creditors have violated my rights under 15 USC 1681 section 602 states that I have the right to privacy.

15 USC 1681 Section 604a section 2 also states that a consumer reporting agency can not furnish an account without my written instructions or consent under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open consumer plan as late for any purpose. 

XXXX has reported the following : XXXX XXXX XXXX XXXX XXXX  ) : For a debt that can not be verified. The debt does not belong to me. 
XXXX XXXX : XXXX  DAYS LATE XXXX  XXXX : XXXX DAYS LATE XXXX XXXX XXXX : {$1700.00} XXXX XXXX XXXX XXXX : XXXX XXXX XXXX  XXXX / XXXX : MY ACCOUNT IS NOT CLOSED THE COMPANY CHANGED. REFLECTING A CLOSED ACCOUNT IMPACTED MY SCORE NEGATIVELY. 

Equifax has reported : Collections : ( XXXX XXXX ) XXXX XXXX : XXXX DAYS LATE XXXX XXXXXXXX : XXXX DAYS LATE XXXX : XXXX XXXX : XXXX DAYS LATE XXXX XXXX : XXXX  DAYS LATE XXXX XXXX XXXX : {$1700.00} XXXX XXXX XXXX XXXX : LATE & OUTSTANDING
Consumer complaint received 2021-09-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: DISCOVER BANK (UT)

In early 2021, I contacted Discover to inquire about a credit line increase. I provided my estimated income, and submitted the form. I was denied a credit request and told a letter would come in the mail. The reason for the denial was that I did not spend enough money on the card. A few months later, I submitted a second request, repeating the above steps. This time, I was denied because I spent too much on the card. My closing balance was {$400.00}, and my available Credit was {$1600.00}, of {$2000.00} of the credit line in XX/XX/2021, I submitted a third request for a credit line increase. I was again denied, this time because of lack of information on a mortgage, or installment loan. Its interesting that a credit card company can decline an application for lack of mortgage, or installment loan, when that can not be a determining factor It seems that Discover wants to send me dozens and dozens of letters, and emails asking me to sign up for ID protection, or student loans, or mortgage information, but they refused to help me with something that might actually work for my needs. 
I applied for a new Discover credit card, the Discover it XXXX card. My application was denied, because of lack of mortgage or installment loan information. The unfortunate thing is a hard inquiry was placed on my credit file, when I was already a Discover customer. A hard inquiry is not necessary when I am a current customer.
Consumer complaint received 2021-09-08
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. (SC)

I'VE MADE SEVERAL DISPUTES WITH ALL CREDIT BUREAUS AND I'VE SUBMITTED MY POLICE REPORT DUE TO IDENTITY THEFT. AND FOR SOME REASON THE ITEMS ARE STILL ON MY CREDIT REPORT. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. I ALSO HAD FRAUDRULENT INQUIRIES ON MY XXXX REPORT AND EQUIFAX THAT HASN'T BEEN REMOVED. XXXX ALSO HAS NAMES THATS NOT ASSOCIATED WITH ME XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX.
Consumer complaint received 2021-03-13
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. (IL)

I received a text message on Tuesday XX/XX/2020 from my Best Buy Visa card asking whether I was attempting to make a purchase for {$930.00} at a XXXX XXXX. I texted No and opened up a fraud dispute. That transaction never went through but as we looked at the other recent transactions, there were 2 other charges that I disputed. One was for {$270.00} at a XXXX XXXX in XXXX, IL and the other was a {$50.00} purchase at a XXXX XXXX in XXXX, IL. Both charges were on XX/XX/2020. I raised a dispute on both of those. They were removed from my bill and I was given a credit. I received a letter from the Best Buy Visa last week that they had concluded their fraud investigation and determined that I was in fact responsible for the charges and had reissued them back to my account. 

I called the customer service number and spoke with the fraud department. The representative told me that because the transactions had been completed with a chip card and because I told them that I still had the card in my possession, that I was responsible for them. I did have the card in my possession, but I have never stepped foot in a XXXX or XXXX station in XXXX IL. They essentially told me that there was nothing they could do. I asked them if they had video footage of me making those purchases and they said that they didn't and could do nothing further. Because it was a chip transaction, it had to have been me that made it if I in fact still had the card. I did not make those purchases and I find it odd that they sent me the fraud alert for a XXXX XXXX charge that occurred 2 days after one had supposedly went through. 

I don't know if there is anything else that can be done. I already paid the balance and I told them to close my account since this was the type of customer service that was being done. There may be nothing else that I can do, but I still wanted to lodge a complaint.
Consumer complaint received 2022-08-23
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY (IN)

On XX/XX/22 multiple XXXX store credit cards applications were processed in my SSN and my maiden name, which was not done by me, so it was fraudulent activity. All of the stores have been contacted and were supposed to mark the applications are fraudulent.
Consumer complaint received 2021-03-14
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. (FL)

I have tried on numerous occasions trying to contact and speak with multiple representatives on correcting my credit report. Their is negative history being reported on my credit report, their is false information being reported, their is multiple accounts being reported with no corrective updates. I have told them of multiple accounts that are not valid and should be removed off of my credit report and including joint accounts that are in my spouses credit report as well. I have stated to them on numerous occasions that multiple accounts especially negative ones are not allowed to be reported after 5 years. The law states in the state of Florida that no negative/collection/charged off/closed account shall be reported after 5 years to the date. I have multiple accounts over 7+ years being reported. They do not give me a straight answer and many times have hung up on me on purpose not to answer the questions. These are the accounts as follows that need to be removed. 

XXXX : XXXX XXXX : XXXX XXXXXXXX : XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX
Consumer complaint received 2019-02-08
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. (VA)

The following dispute form applies to all three ( 3 ) credit bureaus. In addition to the recently submitted credit report from XXXX after the discharge in XX/XX/XXXX, the following disputes will be updated for the year of XXXX : 1. XXXX XXXX XXXX XXXX  account was reaffirmed in the Chapter XXXX Bankruptcy and a Homestead Deed of Exemption was filed. In regards to the Chapter XXXX Bankruptcy filed in XXXX, there were pre-petition payment ( s ) dating back to XXXX, post-petition payments that are still be accounted for and payments made through the bankruptcy court. The only directive was to stop wage deductions and that directive was in mid-late XXXX, approximately 1 1/2 years after filing. This matter is to be reported indefinitely. 

2. Spouses Name and/or Co-Borrower on the XXXX XXXX XXXX XXXX  was discharged in the Chapter XXXX Bankruptcy in XX/XX/XXXX and credit reporting should have ceased on that co-borrowers credit report in XX/XX/XXXX. 

3. Per the XXXX dispute form and all other sources of reference, " Positive information may remain indefinitely '' and the request is for all credit history ( positive ) to remain indefinitely. This credit report goes through XX/XX/XXXX and there is a sufficient amount of positive credit history and after this report, there are approximately 3 or more positive reporting credit history account in addition to what is on this XXXX credit history report. Some were reestablished credit history, etc. The request by the consumer of this credit history is that all three ( 3 ) credit bureaus are to report credit history indefinitely.