davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc. (IL)

Coinbase completely mishandled XXXX on my business account. This is the XXXX year in a row where their team has struggled with documentation and timelines. This time ( and only after escalating, keep in mind ), did Coinbase also decide to close my business account despite meeting all stated terms. Furthermore, they stated that this was due to a transition that they also refuse to further clarify on. I need Coinbase to clarify how my account did not all of a sudden meet agreed to and stated terms this year after being an institutional member for almost XXXX  years.
Consumer complaint received 2016-05-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (IL)

Equifax fails to remove the XXXX XXXX XXXX account. Equifax reports incorrectly that XXXX XXXX XXXX is the owner of this account. Equifax reports incorrectly that this account has a balance {$7700.00}. Equifax reports incorrectly this account 's date of first delinquency. Equifax continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.
Consumer complaint received 2015-09-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (TX)

I recently got a mortgage and now I have numurous hard inquries on my credit reports. 
I have talked with XXXX equfax about an account XX/XX/XXXX that was taken out of my S.S. Ck. I also had accounts that were to be removed from my accountsBecause they were from XX/XX/XXXX Iwould like a forensic revue of my accounts.If that isPossible. Thank you XXXX XXXX
Consumer complaint received 2024-02-26
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (MD)

As a service member the need to use this cards is sometimes inevitable, i travel around the state a lot so i use it as gift or sometimes use it to make purchase at our destinations but when you buy these cards and you feel its time to use it and you get to the store only to determine its totally empty, makes me look stupid i plan to sue incomm at the small claim court, if this keeps happening to service members whats the fate of an individual thats not in service, whats incomm doing to protect us? I want my refund check
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AR)

Teletrack is reporting information on my credit report/file to bureaus without my writen consent or knowledge. I have requested that this reporting cease, that I receive a copy of the report/file, that I receive copies of the sources and report recipients, and description of procedures for reinvestigation/investigation. I would like to opt out of Teletrack until written notice is provided to opt in by me. I would like information removed from all bureaus and recipients that they have reported information to. I provided my state driver 's license as proof of identification and they have refused to provide the information.
Consumer complaint received 2024-03-09
Product: Credit 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)

I had several fraudulent charges on my Citi card during week of XXXX XXXX. Citi took care of all but XXXX of them and have been investigating the largest amount for 6 months all the while telling me not to pay since it is fraud ( this was told to me by several employees over XXXX different phone calls ). Since then, nothing has been resolved even though several supervisors claimed they escalated the issue and I would soon hear from them. All the while I've been receiving collection calls, texts, and emails ( 7 days a week and all hours ) regarding a past due account, not to mention hundreds of dollars in fees and interest! My credit score went from mid XXXX to below XXXX. As a retired banker I take this very personally as it affects my sleep and health.
Consumer complaint received 2020-05-10
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: Experian Information Solutions Inc. (FL)

I have reviewed my Credit Report and have seen a Number of Fraudulent Inquiries.i have contacted the Creditors and they have No Evidence of Credit with Them : XXXX XXXX  XXXX, XXXX XXXX, XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX XXXX.
Consumer complaint received 2020-05-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (TX)

AFTER LOOKING AT MY CREDIT REPORT I WAS HORRIFIED TO DISCOVER THAT ENHANCED RECOVERY WAS REPORTING A DEBT THAT IS NOT MINE. I REACHED OUT TO THE BUREAUS TO HAVE IT REMOVED. THEY FAILED TO DO SO. I REACHED OUT TO ENHANCED RECOVERY AND INFORMED THEM OF THIS ERROR AND THEY HAVE NOT LAWFULLY REMOVED THE ITEM.
Consumer complaint received 2016-09-27
Product: Debt collection — Medical
Issue: False statements or representation — Indicated committed crime not paying
Company: Pressler & Pressler, LLP (NJ)

Pressler and Pressler in New Jersey has been pursuing me for a medical debt of roughly {$1200.00} for the past several months. I initially set up a payment plan as I receive low income and am supporting my 14 month old daughter. I set up this payment plan in response to being sued by Pressler and Pressler with no warning. After several months of being invoiced and paying them I stopped receiving invoices. With absolutely no warning I discovered that Pressler and Pressler had garnished and frozen my bank account in attempt to collect the debt. I called them to try to resolve the issue and the only thing they would allow me to do was make a payment on a payment plan, however they would not release my bank account to me, claiming that I needed to hire a lawyer to proceed. I had to pay them using a credit card, which I am not worried I can not pay because my bank account remains frozen. The gentleman I spoke to told me that if I do not make payments I will be held in contempt of court and will possibly face charges or legal action. Without my bank account I am now unable to pay for my housing, my credit card bills, and most importantly, provide for my daughter.
Consumer complaint received 2022-10-05
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 — Their investigation did not fix an error on your report
Company: EOS Holdings, Inc. (PA)

Credit bureaus fail to provide proper information to validate a alleged debt. XXXX, XXXX and XXXX violated my rights as a consumer. Pursuant to Us code 15 1692g.
Consumer complaint received 2024-02-16
Product: Credit reporting 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)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: WELLS FARGO & COMPANY (NE)

Wellsfargo use my account in theft and put me in a messed up situation I have no car home and they took my job pay check from me I sent a mediation but aint heard back I believe they need to pay for all the damage they cause now I cant evening get a acoustic with another bank they destroyed my life
Consumer complaint received 2024-03-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

i was denied refund for claim as they stated the bank is not in error. my online login and security questions were compromised and used to impersonate me when talking to representative on phone. the scammers initiated the transfer and then confirmed my identity with customer service to confirm transfer even though i was told i would have 10 days to contact bank for fraud but they did not help me. i went to bank to talk to banker and they helped fax in my police report to reopen case. i called today for update and they told me they " lost '' the fax documents and never reopened the case. not only is this a huge lack of protecting my security now they are lacking professionalism and lost my police report in the process of trying to reopen case.
Consumer complaint received 2016-09-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (MD)

All Collection or Charge-Off accounts on credit report should reflect a closed status. By leaving the status as open, my balance has changed several times from the collection and/or charged off amount. My understanding is that " Open '' accounts influence your credit score much more harshly than " Closed '' accounts. If a company has " Charged Off '' or sent your account to " Collections '' should n't it be closed from reporting every month as a revolving or installment account?
Consumer complaint received 2024-05-14
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Westlake Services, LLC (TX)

Westlake financial Services closed my auto loan due to my hardship and charged off the loan as a bad debt to the IRS and had a third party company called XXXX XXXX come and steal my car from my possession which I had very valuable belongings in the car they would not let me get my belongings unless I handed them the key to the car now they have my car sitting at XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I do not have no contract with XXXX XXXX. Now Westlake will not let me get my car back because they already closed the loan because they wrote it off on their taxes this year. And still going to sell the car to make money off of it. Now Im suffering and can not get my XXXX to school nor can I get to work because I do not have the funds for XXXX.
Consumer complaint received 2024-03-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (NC)

I made a purchase of XXXX on XX/XX/XXXX. I made a payment of XXXX on XX/XX/XXXX and another payment of XXXX on XX/XX/XXXX to cover this payment. The payment was applied towards my flex payment plan instead. 

I made another purchase of {$2300.00} on XX/XX/XXXX. I paid XXXX on XXXX and XXXX to cover this charge but the payments went towards my flex payment plan. 

Ive called and chatted with citi in an attempt to inform citi that I wanted my flex payment plan to remain and for the payments to be applied towards my recent purchases. 

There a language barrier and I keep getting generic empathy responses but my issues remains unresolved. 

I now have over XXXX in charges that will accrue high interest rates because the intended payments didnt post accordingly as I thought they would. 

The only option that I am left with is to create 5 new flex payment of XXXX each which will result in a payment of {$200.00} being applied vs my {$77.00} payment due currently. 

Im not for sure how to get this resolved and citi doesn't seem to care because they will receive more money from the interest.
Consumer complaint received 2024-03-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (AZ)

While I was in the hospital the person house and petting sitting and whoever else she had in my home used my debit card and Mobile devices ( XXXX XXXX or XXXX ) to use my debit card with make purchases and atm withdrawals. 

When I got home and realized I had nothing in my account I filed a claim, Wells Fargo NEVER CALLED ME OR EMAILED ME to ask details about the fraud or anything. Today they denied the claim because the purchases seemed like purchase I would usually make. XXXX and XXXX XXXX  are huge stores multiple account holders use both of those stores. So because they said they didnt look fraudulent and NEVER called to find out how the fraud happened my denied my claim and said no fraud was made. BUT there is a text on my phone from while I was in the hospital that is from Wells Fargo asking if these transactions were fraudulent because they didnt match my spending habits. The person here called and told them no these are legit so they could continue to use my card! 

So how can Wells Fargo reach out to me or thinking its me and tell me the suspect fraud BUT when I make the claim ( without the ability to tell the events and facts ) Wells Fargo says no fraud, you cant have your {$200.00} back, no we wont reopen it no you cant refile the claim and we will not be returning your stolen money! Our people decided these purchases fall in line with your spending. But yet the system was triggered to reach out and ask about these charges while they were using my card while I was in the hospital! So if the system believes its fraud and the investigator says no without ANY facts or information from me the account holder how can you tell me too bad youre not getting your money back and we refuse to help you any further!
Consumer complaint received 2024-02-17
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (IA)

I have 2 collection accounts that showed up on my credit report. Both say they are for an original creditor of XXXX XXXX, but do not give complete account numbers, so when I call to dispute it, they won't give me any information because they can not verify it belongs to me, yet when I dispute it through XXXX, the account remains because the collection agency verified it was mine! What??? 
First collection agency : MRS BPO XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX Date opened was XXXX ( I have never received any bills or collection notices in my mail from the original creditor of XXXX XXXX, yet when the collection agency gets it in XXXXXXXX XXXX XXXX they somehow have my information to report it on. ) Amount is {$2300.00} as of XX/XX/2024. Again, I have NEVER had an account with XXXX XXXX 
Second collection agency : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX -- XXXX Date opened XXXX ( Again, never received bills from original creditor of XXXX XXXX yet collection agency throws it on me. ) Amount is {$260.00} as of XX/XX/2024. Why is this amount different than the other collection agency. And again, I have NEVER had an account with XXXX XXXX nor received any bills or or collections letters at my address. 
I have disputed with the credit reporting agencies, yet both account remain as " verified correct ''. Yet when I call the collection agencies, I get a run around, and someone will call you back, and we can't verify your information, so we can't discuss it with you, and no one will send me out any type of verification information. 
Personal note : A person can commit MURDER in this country and they are innocent until proven guilty. BUT, if something shows up on your credit report, it is yours ( even if it isn't ), you are guilty ( even if you aren't ), and good luck trying to prove your innocence!
Consumer complaint received 2024-01-27
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: MIDFIRST BANK (TX)

My parents passed away suddenly and I have a will stating I will receive all proceeds and property. Midland Mortgage has the process impossible and difficult. They have been giving me the run around for over 2 years. I have spent money on top of money with no resolution. They claim they dont have paperwork when I have all receipts that they do. I have spent moneys on attorneys and still they refuse to help. Now they want to foreclose. They just asked today for birth certificates and at this point they are just reaching and refusing to comply. I have been stressed and still cant properly grieve for my parents due to this
Consumer complaint received 2020-05-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Great American Finance Co (OH)

Great American Finance has fraudulently reported a balance due to the credit bureaus, dropping my credit score 47 points and halting the mortgage qualification process Im in the midst of. 
On XX/XX/2020 I was sent a paid in full letter, stating that my account was paid as agreed and closed on XX/XX/2020. Since I paid and closed the account in XXXX I have continued to get statements for a balance due and have called them every time to inquire. They assured me it was an error in their part and would be fixed. On XX/XX/2020 they reported a delinquent acct to the credit bureau which dropped my score and cancelled any chance I have of getting the mortgage I was applying for.
Consumer complaint received 2024-04-24
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Neon Newco Corporation (CA)

Within a 30 day period first I got a netspend card just for my taxes. I had netspend for a long time. Got another card just for taxes only. They asked me a security question. Next two weeks Netspend sent someone a card with my name they changed my address and phone number with no security question. They were allowed to steal my income taxes. When I asked the CEO erased me from all database. I can no longer get activate or register a netspend card or any under that umbrella. Please help
Consumer complaint received 2024-02-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (NC)

On XXXX I received a text advising of fraudulent activity on my account. As this has never happened before when I was prompted yes or no I selected no and received an immediate response that Chime would contact me and my account would be restricted. I immediately checked my account and did not see a transaction so I assumed that it had been stopped by Chime. Around XXXX that night I received another text stating that my account would restricted to investigate the fraud from early. I immediately called the number on the card and was prompted to hit star to receive a call back due to high call volumes. I received a call almost as soon as I ended the call and they advised they were with Chime Fraud prevention. The caller was able to verify all of my info with me with me prompting or coaching the caller. He knew that my email that was linked to my account started with t and ended with XXXX  again without prompting and he was able to adv that he would send a temporary password while he secured my account. He verified my address with me asking if I was still associated with the XXXX address. He knew all of my information and proceeded to tell me that he needed to review the IP addresses that were not associated with me. Again, I have never dealt with fraud and this was scary for me. In the time of the call the scammer was able to clear out my bank account. He was able to cancel my debit cards and order new ones. At the end of the call he told me I could log back in. When I tried to log in I was not able to and the call disconnected. it was at that moment that I realized something was not right. I called Chime number on the back of the card again and this time I waited to speak with a rep. I told them of the fraud and they told me there was nothing that could be done until all the charges posted to my account over {$1300.00} worth of charges were taken from my account. They didnt place a stop to the charges or start an immediate investigation. I had to call back the next day to start what I was told was started the minute that incident happened. The scammers had changed my email again at that time and they had reset my password again. Chime did not start the official investigation until almost 24 hours after everything happened. I was told by the states attorney to call and report to FBI ( I did ) I also reported to the FDIC, XXXX  and now this dept. I attempted to call the numbers that were available to dispute the transactions and they were all disconnected or websites that led to nothing. Chime sent an email advising that the charges were not deemed fraud and refused to refund the money to me, they rebuttal was sent today XXXX.
Consumer complaint received 2024-02-16
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: ALLY FINANCIAL INC. (SC)

On XX/XX/2024 I applied for a commercial auto loan for {$16000.00} at a XXXX dealership and was denied by Ally Bank . I was the personal guarantor for business. According to 12 CFR Part 1002- Equal Credit Opportunity Act regulation B, I can not be discriminated against in ANY aspect of a credit transaction. There are no exceptions or exclusions in this law. I can not denied an extension of my own credit once my SIGNATURE is on an application for credit. There is nothing stated in the law that constitutes " credit worthiness '' in 1007.2 ( a ) Rules concerning extensions of credit. I validate my credit worthiness by stating I am credit worthy by applying for extension of MY credit. NOT the creditor ( Ally Bank ). I demand my application be approved on the basis of my signature on the application. Ally Bank received money from my application being sent to them and running my credit. Furthermore, Ally DID NOT receive written permission from me to run my credit, nor did they notify me in advance that my credit was going to be ran by them which is also another violation.
Consumer complaint received 2021-04-22
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (MD)

Mr. Cooper charged me an overpayment of {$50.00} for a mortgage payoff. The charges are as follows : XX/XX/XXXX - {$25.00} ; XX/XX/XXXX - {$25.00} ; XXXX - {$25.00} and XX/XX/XXXX - {$25.00}. I would like a reimbursement of {$50.00}. Mr. Cooper 's response is attached and I have not heard from them. They keep refusing to reimburse me.