davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Social Finance, Inc. (GA)

On XX/XX/19 I had several unauthorized transactions to happen on my account. I immediately called sofi and made them aware of what was going on. I was emailed a letter saying that they had begun an investigation and that my account would be credited it 10 days if they hadn't completed the investigation. That was apparently in to me rather that the situation at hand. They went on the next day saying they where. Closing my account dye ro a policy violation. When I ask for explanation np. Was provided. On the XXXX business day I called in and inquired about what was the hold up on my credit and almost instantly they denied my dispute without explanation. I even contacted the merchant where this happened who let me k ow the never contacted him for anything So much for their investigation.
Consumer complaint received 2022-08-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: KeyStone Financial ,LLC (SC)

XX/XX/2022 Keystone Financial sent an email have claimed that they have a judgement against me without proper service of a lawsuit.

They 15 USC 1692i ( b ) states nothing shall be construed to authorize the bringing of legal actions by debt collectors. 15 USC 1692g9 ( c ) The failure of a consumer to dispute the validity of a debt may not be construed by ANY court as admission of liability by the consumer.

They have threatened to " execute '' judgement without proof. Specifically stated if I file another complaint that they I would be sued personally.

This is extortion and extortion which are violations of 18 USC 894a ( 2 ) and 18 USC 873.

If they continue to insist that they are loaned me any " money '' then they are admitting to using United States or bank notes as collateral which is a violation of 12 USC 582 NO banking association SHALL RECEIVE United States notes or national bank notes as security or as collateral security for any loan of money.

All Rights Reserved UCC 1-308
Consumer complaint received 2022-10-17
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: SYNCHRONY FINANCIAL (AR)

in accordance with the fair credit reporting act this creditor has violate my rights under the 15 US C 1681 section 602 states i have the right to privacy. 15 US C 1681section 604a section 2 it also states the consumer reporting agency can not furnish an account without my written instructions only 15 US C 1666b creditor may not treat a payment on a credit card under an open consumer credit plan as late for any purpose.
Consumer complaint received 2022-06-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (TX)

https : //www.coinbasedapp.net/dapp/ # / In cionbase dapp, they charged me {$100000.00} to do investment. I earned {$370000.00}. When I withdraw my money, they didnt let me do that.
Consumer complaint received 2022-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Account sold or transferred to another company
Company: GOLDMAN SACHS BANK USA (FL)

Mid XXXX our XXXX XXXXXXXX XXXX Rewards credit card was involuntarily transferred to Goldman Sachs AKA Marcus. Since that time, we and thousands of other former XXXX XXXX users have been unable to view our account on line as regards to charges, balances, rewards total etc. We have made at least a dozen attempts via internet and phone to correct this issue to no avail on line and receiving apologies and unfilled promises to correct the problem via phone. It is well over two weeks since we have been able to view anything regarding our account. We think you would agree this is unacceptable behavior for a financial company.
Consumer complaint received 2022-10-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NJ)

Hello : On XX/XX/22 XXXX XXXX  XXXX and XXXX XXXXXXXX account on XXXX. These 2 individual promised to unlock the linked in account. The reason the XXXX  account was locked was due to too many pages viewed and visit from the account. I have to look for work inflation is sky high. After XXXX  over {$1700.00} on 8 different times, these XXXX XXXXXXXX and XXXX XXXX  account decided to scam me, He claimed that he is from XXXX in company but this is fradulent. You allow these two individual to be on XXXX and scheme people who are in desperate for jobs. Please refund and prosecute these 2 and the gang involved and refund asap {$1700.00}. Names : XXXX XXXX XXXX XXXX Tks. 
Account holder name XXXX XXXX
Consumer complaint received 2019-10-18
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. (TX)

There is a mortgage that is reporting with XXXX XXXX XXXX that has been closed for over 10 years. For some reason it continues to report and reports as opened. This is not an active account. It's been disputed several times and it still is not resolved.
Consumer complaint received 2021-03-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ARVEST BANK GROUP, INC. (AR)

Fraudulent checks and deposits were made in my checking account and then disbursed through XXXX XXXX. This caused the checks and deposits to be charged back, making me lose my personal cash and the transactions out to via XXXX XXXX still be disbursed to someone I don't even know. I'm in the hole quite a bit of money at the moment and for no reason. Please help.
Consumer complaint received 2022-03-02
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (FL)

I purchased a back-up system for an R.V. through Amazon around XX/XX/XXXX of XXXX. 
It was not the correct one, so I returned it through XXXX on Friday XX/XX/XXXX, at XXXX XXXX. The drop-off location The XXXX Store # XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX Tracking # XXXX. I started receiving invoices for payment. I 1st contacted XXXX at Synchrony on XX/XX/XXXX at XXXX XXXX was directed to Amazon. The customer service said they would rectify it. My 2nd attempt was on XX/XX/XXXX at XXXXXXXX XXXX. I spoke with XXXX at Synchrony bank explained what happened and said he would take care of it. I called Amazon to check on the return, I was told that Amazon received the return on XX/XX/XXXX. I am stilled being billed so my final contact was on XX/XX/XXXX at XXXXXXXX XXXX. I spoke with XXXX then transferred to XXXX, then transferred to XXXX who is the manager, he said he would investigate it, I supplied a copy of the shipping label. As of XX/XX/XXXX almost a year later this has not been resolved I am still being billed for an item I do not have. Please help me with this problem, I tried to resolve it but to no avail.
Consumer complaint received 2022-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

The Three credit companies are reporting inaccurate infomation on my credit report. I sent this letter to all three competes and the onlt remove one or two name that is showing on the report. I would like all name that is not my name to be removed. They are also remorting address that i never lived at. I have never used these names and address that is being reported. Please see the letter below with the correct information. To whom this may concern, I recently retrieved my credit report. I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. To diminish speculation my information is as follows This is my legal name XXXX XXXX XXXX Please delete any other references to names as they are not mine and I have never used any of them. Please be sure that my address is listed correctly. My address should read : XXXX XXXX XXXX XXXX CA XXXX Please remove ANY other information you are currently reporting as they are NOT accurate. I have attached my Identification card as well as a recent copy of my bank statement, utility bill, ID for your verification Thank you for your assistance. Sincerely. XXXX XXXX
Consumer complaint received 2022-08-14
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. (OH)

In accordance with the Fair Credit Reporting act ( FCRA ) ; XXXX  has violated my rights. On XX/XX/2020 there was an unauthorized inquiry. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2019-10-18
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: MS SERVICES LLC (NV)

On XX/XX/2019 I filed complaint number XXXX against XXXX XXXX XXXX XXXX. None of the actions described in their response received XX/XX/2019 have been honored. Instead XXXX XXXX XXXX XXXX sent me to the collection company MS Services. MS Services is incorrectly reporting my checking account as a loan with late payments. All my attempts to contant XXXX XXXX, the XXXX   representative named in the reponse letter, have failed.
Consumer complaint received 2022-08-03
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: Experian Information Solutions Inc. (TX)

Hello, Uknown Inquiries are reporting on my Experian, XXXX, and XXXX reports. I have filed Identitytheft, and will attach FTC report. The following inquires are what needs removal. 

Experian : XXXX - XX/XX/XXXX XXXX : XXXX XXXX - XX/XX/XXXX XXXX XXXX Bank - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX : XXXX - XX/XX/XXXX XXXXXXXX XXXX  XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX - XX/XX/XXXXXXXX XXXX
Consumer complaint received 2022-06-03
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. (CA)

in accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-03-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: HYUNDAI CAPITAL AMERICA (NJ)

I'm a victim of identity theft. I've been attempting to recover the damage and resolve the issues on my credit report by calling, faxing, and uploading the required documentations to the bureaus as requested by their agents. Even after disputing these fraudulent accounts with these bureaus and the creditors for well over 4 months, the creditors have constantly ignored all requests for proofs used to validate these fraudulent accounts on my file and yet the creditors keep validating fraudulent information and accounts on my credit report without proofs. The bureaus have been notified of this and yet the creditors are freely allowed to report fraud information without any consequences for violating the federal law and my FCRA rights.
Consumer complaint received 2022-03-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (NJ)

I believed that an old checking account was closed. I had an unintentional charge on the account causing it to overdraw. I was instructed to go in person to a branch to close. I went to the XXXX XXXX Wells Fargo branch where i was turned away and told to call the number on the debit card. I called that number and it had a very long wait time and selected for the call back option. Once they called me i told them to close my account. They then hung up on me and i still cant get through to close the account.
Consumer complaint received 2022-08-14
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. (OH)

In accordance with the Fair Credit Reporting act ( FCRA ) ; XXXX XXXX has violated my rights. On XX/XX/2022 there was an unauthorized inquiry. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 

15 U.S.C. 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-06-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE (CA)

I opened an XXXX XXXX interest free credit card with Barclays bank back in XXXX ( XXXX XXXX XXXX ). I had planned to pay out that account and not be charged any interest, however on XX/XX/XXXX I was charged the full {$1000.00} interest charge without being contacted by this institution. 

This took the balance from Previous Balance as of XX/XX/XXXX {$1600.00} Interest Charged + {$1000.00} Statement Balance as of XX/XX/XXXX = {$2600.00} I contacted the company and was unable to reverse the charge even though I was prepared to pay the card in full at that time. 

On XX/XX/XXXX I transferred the balance to a new XXXX  XXXX XXXX account and called the company to close out the account. 

I just logged back in out of curiosity and the account is still active! I contacted the bank ( I will attach the correspondence ) and was told I'd need to contact their RETENTION team. I have no wish to retain services with this bank and feel that not only is this charge predatory, but also this retention is more than unreasonable.
Consumer complaint received 2022-06-03
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2022, XX/XX/2022 XXXX
Consumer complaint received 2022-03-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (IL)

I am trying to close on my loan and the company is refusing to give me a payoff. I spoke with XXXX at Mr Cooper, subservicer for XXXX XXXX XXXX XXXX XXXX. They have indicated they have too many loans to be able to help me with my loan.
Consumer complaint received 2019-10-17
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc. (NY)

Remitly charge me XXXX for a express transaction ( immediately ) it has been 5 days, made my family waste cab money because they lie about some verification with their partner. And has made it very difficult to get my money back.
Consumer complaint received 2019-10-17
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. (NY)

I have checked my credit reports ( XXXX, XXXX and Equifax ) and I have noticed that the account with XXXX XXXX closed in XX/XX/XXXX and last paid date on XX/XX/XXXX continues being reported on my credit history. It should not be longer in my credit reports.
Consumer complaint received 2022-08-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (FL)

National Credit Systems in XXXX, GA keeps calling me about a debt that I do not owe. I've sent them numerous emails and spoke with them several times on the phone to let them know I needed to see proof of debt because I don't owe anyone, anything. They finally emailed me one document of an apartment lease that ended XXXX of XXXX. I let them know I moved out of this apartment in XX/XX/XXXX of XXXX, and that I don't understand what they are trying to collect. On 3 separate occasions they changed their story of why they were collecting this debt. First they told me if was for lost keys, then they told me it was for missed rent in XXXX, lastly, they told me if was for rent for the month of XX/XX/2022. Well, I moved out in XXXX, so I didn't owe XXXX rent. The only document of proof they were able to show me was a lease that expired in XXXX. So, how can they justify collecting on a debt from a month that I didnt even live at this apartment? I've sent them screen shots, emails, phone records, videos, pictures, etc from my moving day and they just keep calling me. I've sent them all of the documentation that one would need to be able to see the apartment is not being truthful. They can not seem to produce " proof '' that I owe rent, the collections representative told me today that they just rely on the apartment 's word. Correct me if I'm wrong, but I dont think that is how the law works. Just because an apartment manager ( who is proven to prey on the elderly ) says I owe something, does not mean I owe it, unless she can prove otherwise? And so far, they can not prove it, because its not true. I need someone to help me because the manager at the collections company seems to be friendly with the apartment manager, and I honestly believe something illegal is happening here.
Consumer complaint received 2022-03-02
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (KY)

I purchased a XXXX XXXX XXXX on XX/XX/XXXX. I returned the item on Saturday, XX/XX/XXXX. XXXX tracking shows that the item was received at an XXXX facility in XXXX Indiana on Tuesday, XX/XX/XXXX. XXXX customer service informed me that a refund was initiated on XX/XX/XXXX. I waited for 3 to 5 business days, but the refund never reflected on my credit card account. I contacted Synchrony Bank and they do not see a refund either. I am being given the runaround by both parties, and have waited nearly a month for my refund. This has negatively affected my credit report and is hindering my ability to make purchases using this credit card. 

Order date XX/XX/XXXX XXXX # XXXX Order total {$2000.00} ( 1 item ) Amazon.com Store Card ending in XXXX
Consumer complaint received 2022-10-17
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. (GA)

I've attempted to remedy this issue with Equifax Credit Information Services , Inc. but they are willingly non-compliant I notified them on XX/XX/2022 of the inaccurate information that they are unlawfully reporting on my credit report but they did not correct any of the violations nor have they provided me with no means of verification or proof that the inaccurate items that I'm disputing on my credit report are accurate.
Consumer complaint received 2022-03-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Chime Financial Inc (NY)

I opened a chime account around a year ago. Around XX/XX/2021 someone hacked into my chime account and stole my balance, which was around {$400.00}. I called chime to report the missing money. They conducted an investigation and concluded that the money was fraudulently withdrawn, and they put the money back into my account. Several weeks later they closed my account and said they would refund to me the balance that was in my account, which was around {$400.00}. It has been over 3 months now and I have not received the money. I have tried emailing several times but no answer. I also tried calling, but because I no longer have a chime account no one will talk to me.
Consumer complaint received 2022-06-03
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. (NH)

XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2022 In accordance with the Fair Credit Reporting act, XXXX XXXX, Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer.

15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Consumer complaint received 2022-06-03
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. (TX)

I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus