davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-27
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. (FL)

I have written several letters to XXXX Equifax and XXXX about multiple inquiries on my credit profile that were not authorized by me. The dates on which I submitted those letters are XXXX and XXXX/XXXX/XXXX. I have not received a response and the unauthorized inquiries are still appearing on my credit profile. I am looking into purchasing a home soon and the inquiries are affecting my credit score.
Consumer complaint received 2017-09-05
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. (CA)

I saw a credit inquiry on my Equifax credit report from XXXX XXXX XXXX XXXX XXXX. I called and the person I spoke to said there was nothing they could do about it. I aksed about placing a fraud alert and the person I spoke to said they could not do so. 

I asked for a phone number or contact information for XXXX XXXX XXXX XXXX XXXX XXXXXXXX and the person refused to provide it.
Consumer complaint received 2017-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

XXXX XXXX reported my account 30 days late for XX/XX/XXXX to both XXXX and Equifax. My payment was due X/XX/2017 and my account was paid on X/XX/2017, which is NOT 30 days late. X/XX/2017 is the date the payment shows as being made on my receipt from XXXX and this is the date the actual funds were deducted from my bank account as I have it set-up as a direct debit payment. XXXX XXXX has been nothing but a problem to me and my family. My husband was hit by a vehicle inXX/XX/XXXX and the motorcycle we had financed with XXXX was totaled. We were having to pay for a rental car as well as still making the bike payment to keep our good credit while we waited for the insurance claim to be paid. This was a struggle for us to pay both and now XXXX has made it worse by ruining our credit with these late pays that are n't even accurate. They do n't care about their customers and the research I 've done on them affirms this as they have a " F '' rating with the BBB.
Consumer complaint received 2017-09-05
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. (NY)

XXXX XXXX Has a accounts on my credit report that should not be there. 


Account Number XXXX Account Type Installment Loan Terms 120 Months Date Opened XX/XX/XXXX Account Status Closed Payment Status Paid Payment Status Details Paid, was a collection account, insurance claim or government claim or was terminated for default Status Updated XX/XX/XXXX Balance - Balance Updated - Credit Limit - Past Due Amount - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX, MA XXXX Ownership Individual Original Creditor - Company Sold-to - Original Amount {$3500.00} Comments - Payment History 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 2018-06-02
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NY)

On Saturday, XX/XX/2018 I handed the teller a withdrawal slip, photo id and my bank card to withdraw {$5800.00} which I have more than 10 times that amount in my account. The teller that was assisting me called over a senior teller to over-ride the amount. The lead teller proceeded to inform me that she was not comfortable making this transaction and denied me my funds stating she would not be able to help me. After repeatedly asking her what was making her uncomfortable with no real reason I have come to the conclusion that my appearance did not quite match my bank account, since I am a XXXX XXXX XXXX male. I asked for a supervisor or manager unfortunately none was on the premises so she needed to call one on the telephone and explained her position. The lead teller refused to assist me with my withdrawal and suggested that I go to another branch to make this transaction preferably one that knows me.
Consumer complaint received 2017-09-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

I have hundreds of dollars of charges on my credit card from Venmo ( a digital wallet company ). I had never heard of Venmo. The charges are not mine. 

I called Venmo at XXXX XXXX XXXX XXXX. They would not help me at all, and said I should contact my credit card company.
Consumer complaint received 2017-09-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (VA)

A credit card has not been open but there was no other category for me to report this issue. Since XX/XX/XXXX to present, there have been repeated attempts through XXXX to open a Chase credit card in my name. The request is not approved as more information is being requested and because I already have an XXXX Chase card. The problem is that I must call several times a month every time I get a letter, go through the whole process, reopen a fraud alert, and neither XXXX or Chase have changed their process. I am told by the fraud folks at Chase, this is a known issue and they are waiting on a fix but in the meantime I must call every time, have the request to remove from my credit report, and extend my fraud alert. Both XXXX and Chase should know this is repeated against my name and Social and advise the person requesting that the request can not be open and to call a special toll free with Chase fraud or XXXX I should be sent notification that another attempted occurred, no action needed, and they have me protected. This should n't be that difficult to flag my SSN and since I do have a fraud alert, why does n't XXXX or Chase change what they have communicated to me or the person requesting the card. In addition, I have moved and the notices from Chase are sent to my old address since that is what the fraudster is using for the new applications. This shows a clear lack of agility by XXXX  and Chase to handle the increasing fraud attempts. While I am happy that no card had yet been issued, if I did not already have a card with XXXX Chase, and if I was not calling every week to close out new requests that one would have been issued. 

Update XX/XX/XXXX I now have over 20 applications and Chase/XXXX has yet to improve their process and I am required to call in every time, file a fraud alert, and they have yet to improve their process to detect these fraudulent applications. I should not be held hostage to their lack of investment in fraud detection and their excuses around inability to prevent an application. They should react both to my fraud alerts and have a special flag for my account based on over 20+ fraudulent attempts.
Consumer complaint received 2018-06-01
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. (GA)

I have notified the different credit agencies and the collection agency that this account do not belong to me. Please review the attached police report. The XXXX - XXXX  ( XXXX ) and the unknown collection account on my Equifax - Acct # XXXX account do not belong to me. Please remove these accounts from my credit file.
Consumer complaint received 2017-09-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IL)

I deposited funds from a real estate transaction on XXXX/XXXX/XXXX. Chase has placed a hold on the funds until XXXX/XXXX/XXXX. Chase is collecting free interest on my money, instead of allowing that interest to accrue to me.
Consumer complaint received 2017-10-17
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: EQUIFAX, INC. (MI)

I have been trying to work with customer service on multiple occasions to get validation of inquires that have been placed on my report. I have also attempted to contact some of the companies that are listed on my report as inquires but have had no success. The customer service reps have been unhelpful in assisting me in removing duplicate old outdated and inaccurate inquires and constantly transferring me to multiple representatives resulting in no correction. Please validate the inquires listed on my credit report or remove them within 30 days as some sure have been added in error or without authorization.
Consumer complaint received 2023-02-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Fold, Inc. (TX)

I have a Fold, Inc debit card account which is serviced by XXXX XXXX  and offers XXXX rewards. On XX/XX/2023 Fold locked my account and have refused to communicate since despite several support tickets and phone calls all of which have been ignored. My balance on the card is now unavailable and the app will not allow me access.
Consumer complaint received 2017-09-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. ()

Hello, i have use Coinbase as a virtual currency wallet until the day i have lost my phone. I have contacted them on XX/XX/2017 to solve my problem but the answer was not helpful to me : " XX/XX/2017 XXXX XXXX PDT XXXX replied : Hi there, Sorry about this. 
We arent able to manually verify an ID. 
If you arent able to complete this on a webcam, I recommend using a mobile phone in bright window light. ( Download the app. Then click the hamburger menu > Settings > Identity verification. ) https : XXXX? XXXX XXXX XXXX XXXX XXXX.coinbase.XXXX If you are able to access a web cam, you can also try this direct link. It will work for GDAX too : https : //www.coinbase.com/XXXX Sorry again about this. Good news is youre almost there! 
Thanks, GDAX Support Team Best, XXXX " After some time reading on the internet from others with similar problems i have found out that there are a lots of people who need help like me.

i have decided to contact Coinbase again on XX/XX/2017PDT i have replied : I am stil unable to verify my identity. O own a laptop with webcam and it say unsupported country, I live in XXXX. Practically it is impossible for me to take that account back? " no answer, and i have writhe another mail : " Hello, I have lost my phone number, tried everything to get that number back but i can`t. 
The response on my last support ticket was to verify with a webcam my passport and myself, i have done that but it did not help because my passport is a XXXX one and i live in XXXX. 
Can someone please explain me what and how to get that account back? i can provide photos of me, my passport, driving licence bills, last password, last phone number and so on. And when it is not possible just tell me that directly please because i am tired of waiting. " And finaly i have an answer : " XX/XX/2017 | XXXX PDT XXXX replied : Hi, thank you for contacting Coinbase. 
Residents on our list of Supported Countries can access GDAX. 
First please upload your passport at this address : https : //www.coinbase.com/XXXX You may see a country does not match error, which is fine and expected. 
Second, please send us a recent utility bill, lease or mortgage document showing your legal name and residential address. For security purposes, we request that these files are uploaded at this secure page : https : //coinbase.XXXX Please reply here once you have uploaded the documents, then I can review your change. 
Thank you. 
Best, XXXX " Need to mention that i have uploaded every document they asked for and even more and i have replied 2 times with 0 success. 
This is the point where people get stuck with Coinbase. They wait for us to give up and let our money there, but that does not work with me. I don`t have so much money on my wallet blocked on this moment from me, but they are mine and because so many people have the same problem as me, i am really focused on getting whats is mine back. i want to apologize myself for writhing defects, English is not my mother language. 

Wish you the best of luck!
Consumer complaint received 2017-09-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CITIBANK, N.A. (NV)

Summary - All my credit cards went to Past Due/ Charge Off/Closed/ Collection statuses for no fault of mine.I never had any derogatory marks on my credit score/history in the past but, unfortunately in the past couple months everything changed and started receiving collection notices. 
One of the company named " XXXX XXXX XXXX '' approved me a special purpose loan and promised in the agreement that they will take care of all the credit card debt I owe to the banks.As per the agreement I have to pay " XXXX XXXX '' a low fixed interest rate for all the debt I owe to creditors. ( The payment includes the total Credit Debt $ + Lower interest rate ). 
I was asked NOT TO PAY a single Penny to credit card companies from the day I signed the agreement with XXXX XXXX XXXX as they are taking ownership of the debt. 
Once I signed the agreement I started paying XXXX $ + to this company every month from XX/XX/XXXX. I did make the payments to this company for almost a year but, it never paid a single penny to the creditors. I did follow up with the company asking the status and I was always told that the debt validation is in progress and takes some time. Recently, the company was sued for fraudulent claims and promises and all the website info, contacts no longer exists. I have no clue whom to contact and how to get this resolved. 
https : XXXX For all this time as the company " XXXX XXXX XXXX XXXX never made any payments to the creditors, creditors started reporting it to credit bureaus and now all my accounts are in collection phase. I called the banks/creditors and tried explaining the situation but, they said they have no alternatives except the collection of the " DEBT ''. 
This made me go into financial crisis. I have no clue what to do and how to proceed. 

All this happened for no fault of mine. I want all the collection notices, derogatory marks on my credit report to be taken off. I even disputed the credit reports with all the credit bureaus but, no good happened everything was same and no changes made. 

If I am required to pay the debt to creditors, I want to wait till the final hearing of the case. I also need the Banks to provide me enough time to pay the debt off considering the total debt/total credit cards. 
I also request the Creditors/Banks to take off all the interest, fees and fines added on and after XX/XX/XXXX I do n't want to get any more collection notices/legal actions on me from any of these creditors.As, it was no fault of mine. 
CITI BANK ( 3 Credit Cards )
Consumer complaint received 2017-04-25
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (GA)

Earlier I submitted a first complaint ( #  XXXX   ) aft er the response from the company ( navient ) I called them yet was given another run around. First person I spoke to appeared to be very nice and told me that the payment of {$280.00} is available for extended repayment. However, I can talk to another department and they  may l ower it even further. He transferred me and appeared that they had no idea what I was talking about nor willing to do anything at all they even refused to grant that {$280.00} payment. Then I was turned over to another person who told me to call in before the payment is due. Also I was looking through a credit report and the last I was talking to  Navient, they promised to take the delinquency off the credit report if my payment will be met, ( which it was ), however th e delinquency is still on it. Another lie and run around from navient.
Consumer complaint received 2015-05-22
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: SUNTRUST BANKS, INC. (NY)

My wife holds a conditional XXXX. She applied for a loan with Sun Trust for part of her educational costs, and I agreed to co-sign the loan. Sun Trust indicated in its eligibility requirements that permanent residents were eligible to apply for a loan. We received initial acceptance of our application and began the process of supplying all required documents. At the end of the process, Sun Trust rejected our application saying that they would not provide a loan to a conditional XXXX holder. This requirement is not stated in their eligibility requirements. If it had been, we would n't have applied to them. As a result, we wasted a good deal of time and effort in fulfilling their documentation requirements, and I may have suffered adverse consequences to my credit report because of their credit inquiry and ultimate rejection of our loan application.
Consumer complaint received 2017-09-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (NY)

Dear officer, First of all, thank you for your time on this issue. Back in XX/XX/XXXX, I was cashing a check at one of the local Citi bank branch, one of the banker approached me with an offer to get {$500.00} cash bonus. Then she helped me to open a Citi priority checking and savings account with the promo code XXXX /. I called the customer service line and all of reps confirmed that I will receive it by the end of XX/XX/XXXX. Meanwhile, I got the Citi Secured message communication with rep XXXX XXXX, she confirmed that I will receive the {$500.00} bonus in writing, here is the direct quote from the message and please see the attachment for the full transcript. I see that a {$65000.00} deposit was made to your account on XX/XX/XXXX and at least {$50000.00} has been maintained in your account for the 60 days required. 60 days from XX/XX/XXXX was XX/XX/XXXX. The fulfillment time for the promotion to be awarded to your account is 90 days from the end of the statement period in which you met the qualifying requirements, which will be the end of XXXX ( XX/XX/XXXX ). 90 days from XX/XX/XXXX will be XX/XX/XXXX, which is the date that you should have your cash bonus awarded to your account. 

I was confused why I still did n't get the {$500.00} since now is XXXX, then I asked for another research on XX/XX/XXXX and got a response on XX/XX/XXXX as The terms of this offer state your new checking account must remain open and in good standing in order to receive this offer. Unfortunately, you do not qualify for the promotion as the checking account number ending with XXXX has been closed. ( please see attachment for the full research result ) Then I did the online chat with Citi bank to ask why my account was closed, the rep told me it was inactive, which does n't make any sense. I did n't get any notification saying that the account will be closed due to inactive and it happens to be that the account was closed on the next day after I ask for the research. ( please refer to the online chat transcript ) I have been calling Citi bank customer service back and forth and still did n't get a formal response why my checking account was closed without notification, which caused me could not get the {$500.00} cash bonus. I am running out of patience to wait for another investigation I just want to write to express my deep frustration and concern about the customer service and marketing team 's quality at Citi bank. Thanks again for your time and have a great day! XXXX
Consumer complaint received 2017-10-17
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: SYNCHRONY FINANCIAL (OH)

There was a hard inquiry on my report from synchrony bank/ XXXX . I called the number associated with the company and I am under the impression that it is for some sort of credit card authorization for amazon. I am not an online shopper and have never ever authorized the use of my information for any such thing. I am working to improve my credit and a hard inquiry for a credit card I dont need does not sound ideal for credit building. I did not authorize this and would like it removed at once!
Consumer complaint received 2017-09-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (VA)

I have had two problems with the mortgage since I refinanced. First shortly after I refinanced they raised the cost per month to {$1500.00} a month with the option to be {$1500.00} a month if I sent {$24.00} in. I did send the {$24.00} in but never got the cost lowered or even credit for the {$24.00}. This " escrow shortage '' of {$24.00} I sent in on XX/XX/2016. I called a couple of times without getting results on this. Then I talked to a manager who acknowledged the error and said she would rectify it. She never rectified it and would n't answer the phone or return phone calls after that time. 

My second complaint is that the mortgage company, now called " Mr. Cooper '' has decided my monthly payment needs to be raised again to  " cushion my escrow for any increase in taxes and insurance and has raised my monthly payment by {$93.00}. This outrageous as my initial payment was under {$1500.00} and now is will over {$1600.00}. 

They claim my county tax has gone up {$1500.00}, town tax {$310.00} and my Hazard {$760.00} per year. Those are all pretty hefty sums out of the blue with no notice from those making the purported increase. 

My mortgage will now be {$1100.00} more a year. I 'm having a hard time believing that the taxes and insurance shot this high all of a sudden. Have not heard anything from the insurance company.
Consumer complaint received 2017-09-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (FL)

I went to XXXX XXXX XXXX XXXX and XXXX with student loans in mind. I transferred my credits from a previous college, I did n't think I would have an issue. I also receive several school scholarships, I paid monthly payments out of my pocket during the semesters as well. feel like the school misleads students in order to keep the retention low. I was never informed that I would have a {$20000.00} plus loan debt after graduating. I feel like they pressured me to sign loan papers in order to stay in school. I would n't have finished the program if I knew the loan amounts. The degree has not opened up any opportunities, I did not receive any internships or mentor-ship. The school and its staff have changed and relocated. I am left with debt and no direction, I am working a job not in my field to try to repay loans. I honestly do n't feel I 'm responsible for.