davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-06
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: CITIBANK, N.A. (NJ)

Home Depot sold me & XXXX delivered a defective refrigerator & refuses to refund or remove. Home Depot knowing that the refrigerator didnt work left it in the middle of my kitchen floor & refuses to come & pick it up forcing me to purchase another refrigerator during COVID-19 causing me financial hardship & a bill on my credit card for a product that didnt work. XXXX came in XXXX & put in a motherboard & its still not working causing me to keep loosing food weekly
Consumer complaint received 2021-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (AL)

I purchased an international plane ticket using Citibank 's " Thank You '' points last year ( Trip ID XXXX ) travelling XX/XX/XXXX -XX/XX/XXXX from XXXX to XXXX. The flight was cancelled when the border to XXXX was closed. I received a travel certificate with XXXX XXXX good through XX/XX/XXXX ( later extended to XX/XX/XXXX ). When I tried to redeem this certificate a few weeks ago, I was told it was no longer valid, because the purchase had been refunded through the travel agent I used ( Thank You Points ). 

I contacted Citibank and the Thank You department and after speaking with multiple staff over several days was told that Citi had closed the Thank You points account because I was not using the credit card recently ( this is true ), and that because I didn't rebook within 60 days I lost the points. However, I had no knowledge that a refund was made or that there were any points in the account. 

I explained how this was a ticket I had earned, and I did not request it to be refunded, and I should still be able to take this flight that I had earned, and was told that the only way to have access to the points is if I opened another Citi credit card account ( my THIRD, # XXXX XXXX XXXX XXXX XXXX note : account was never used and is now closed due to deceptive promises Citi used to encourage me to open it ).

I applied and was accepted for this account, received the card in the mail, then when I called to have my Thank You points credited to my new account, after multiple transfers and talking to 7 different representatives was told that they can not do this and they are forfeiting my points that I earned for my international flight. 

See attachment for clearer summary and timeline. My Thank You member ID is XXXX XXXX XXXX XXXX. The flight was booked XX/XX/XXXX and a XXXX eCertificate issued in the amount of {$320.00} with an expiration XX/XX/XXXX ( eCredit XXXX ). On XX/XX/XXXX a refund was issued by XXXX to Thank You and Citi states that my account was closed on XX/XX/XXXX. In early XXXX, I attempted to use the XXXX eCertificate and discovered what had happened and attempted to retrieve my Thank You points.
Consumer complaint received 2017-10-16
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. (SC)

As of this morning XXXX accounts were deleted from my Equifax report that I had disputed. Then later in the day they were added back on. Since then my credit has dropped and started the aging on those older accounts all over again! As laws go, the Fair Credit Reporting Act ( FCRA ) If an item is inaccurate, the bureau has to remove it. If they later discover that the error has been corrected they cant put the negative item back in your report. But if they do that they first have to tell you 5 days before they reinstate the item.
Consumer complaint received 2020-04-21
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: KEYCORP (AK)

I have a MasterCard credit card From KeyBank Via the unemployment office I have tried for a week now to get ahold of key bank as my card is locked and it wont let me use it. I have tried everyday to call and continue to get put on hold for 3 hours until it automatically hangs up on me. I can not access the online portal either as it wont let me sign up cause it says my card has to many pin attempts. I just need my unemployment thats on the card for bills but again keep getting hung up on before anyone even answers as it times out at 3 hours thank you :
Consumer complaint received 2017-07-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (NH)

I attempted to remove my money fro m Coinbase but w as not able to.     On   XX/XX/XXXX , I m oved   XXXX   from my "  Vault '' account to my " Wallet ''  account. After attempting to send this   XXXX   to a service ext erior to Coinbase on  XX/XX/XXXX , I was inform ed that for my protection the transaction was delayed . Coin base  notified me that if I verified my account the transaction would verify instantly.     I verified my account and now the transaction remains pendi ng over 24 hr later. T hey are intentionally withholding my bitcoin.
Consumer complaint received 2020-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I AM A VICITM OF AN IDENTITY THEFT, AND NUMEROUS TIMES I HAVE REACHED OUT TO XXXX   XXXX  XXXX AND TO EQUIFAX TO REMOVE THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT. THE CHARGES ON THE CARD ARE FRAUDULENT, THE ACCOUNT WAS OPENED WITHOUT MY CONSENT. JUST BECAUSE THEY ARE BIG CORPORATIONS, THEY ALSO HAVE TO UNDERSTAND THAT I AM VICTIM AND I SHOULD NOT BE PENALYZED EVEN MORE.
Consumer complaint received 2018-12-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: GREAT LAKES (MI)

Great Lakes Education loan transferred my student lone to XXXX. However, XXXX states the balance is over {$12000.00} even after I have made payments to Great Lakes. I have contacted XXXX on more than one occasion about the amount they are reporting on my credit report and trying to collect from me. The amount of over {$12000.00} is incorrect. They received two loans from Great Lakes Education loan services in XX/XX/2018. At that point I have already made payments of XXXX ( {$1600.00} to collection fees, {$270.00} to interest and {$9900.00} to principal ). Every time I call, they ( XXXX ) states there's nothing they can do to call Great Lakes. I call Great Lakes they tell me to call XXXX. However, I did receive a detailed payment history from Great Lakes ( the original collection agency ). When I spoke with someone at XXXX ( multiple times ) and told them that I had it and could send it over they ( XXXX ) still stated to call Great Lakes, who told me call XXXX again. Not only is XXXX trying to collect an inaccurate amount but also, they are charging interest rates to an extremely higher than accurate amount This is stressful and damaging to my credit report and worthiness. I am unable to get a home loan for my family we desperately need or even a bigger vehicle since my family has double with the birth of my XXXX. I am aware the one or  both companies or in violation of " The Fair Credit Reporting Act " and " The Fair Debt Collection Practices Act ". I am feeling trapped and needs help.
Consumer complaint received 2020-04-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (AZ)

I have been trying to get ahold of the mortgage department. I went online, as this is one of their 3 ways, received an email from someone ( I later find out is not trained in refinancing but was signing her emails as a mortgage associate ) telling me to call. I try, get lost in the queue. I respond requesting a call and am told I need to call. This occurs 3 times PRE COVID. Then the hours changes. I finally got in touch with someone after 2 hrs on hold they tell me my call was transferred out of the mortgage queue so I request a supervisor, she transferred me back to the queue. 3.5 hrs of total time never reached anybody. I then tried to contact social media. I got an email address to contact their executive team. I got a call from someone 10 days ago stating their team would be handling my request going forward and following up every 10 days. 2 days later I got an email stating the issue was not handled appropriately by the first person ... .. 

Today I get my follow up stating the issue is resolved. When I point out that the refi is not done she offers to transfer me. I asked for someone to call me or a request to be put in to call me XXXX states " they do make outbound calls but you have to try one of our 3 methods first. Online, phone ... '' I've already tried this and it was mishandled! At this point I've been trying for 6 weeks and I'm convinced its drawn out and people are unwilling to help so wells can continue to collect PMI.
Consumer complaint received 2021-01-19
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. (NY)

Please be advised that XXXX XXXX XXXX is a loan broker, that three years ago I acquired a loan from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX is a broker only, and when the loan went into default, the principal owner known as XXXX XXXX XXXX - XXXX sold all rights to the debt to XX/XX/XXXX, XXXX. This loan was used for completion of a real estate project only, with a partnership that did not work out financially. XXXX XXXX XXXX exercised its right to protect its investment through legal channels, and through my legal representative the debt was settled for a cashiers check of {$12000.00}. My position is quite firm, when the original debt was sold from XXXX XXXX XXXX XX/XX/XXXXto XXXX XXXX, XXXX XXXX XXXX XXXX lost all of its rights to maintain a credit rating position with all pertinent credit bureaus, XX/XX/XXXX, Equifax and XXXX XXXX respectively through a XXXX Supreme Court XXXX XXXX XXXX XXXX XXXX XXXX XXXX Third party transfers VOIDS all rights under the Fair Debt Collection Practices Act, which disconnects all rights to maintain the credit payment history or the content of its history with the Fair Credit Reporting Act. Accordingly, XXXX XXXX XXXX must delete my entire file and purge its content permanently. My rights are in violation at this time and from my research the Federal Deposit Insurance Corporation has a right to intercede. Therefore, this reference on my personal credit report must be deleted immediately and permanently. I have referred my complaint to all credit bureaus to advise them that XXXX XXXX XXXX is in violation of their subscriber agreement with all credit bureaus, and should be sanctioned by the Consumer Financial Protection Bureau for this serious offense. XXXX XXXX XXXX must delete and purge my file with all pertinent credit bureaus, period. 
XXXX XXXX
Consumer complaint received 2022-08-25
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. (NM)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$350.00} XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$760.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Consumer complaint received 2023-02-01
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. (MD)

On XX/XX/XXXX, I requested an investigation of accounts listed on my credit report with tracking number XXXX. Again on XX/XX/XXXX I requested a reinvestigation of accounts listed on my credit report with tracking number XXXX. XXXX XXXX XXXX - XXXX. On XX/XX/XXXX I requested an additional investigation with tracking number XXXX. Additionally on XX/XX/XXXX I provided documentation and a request to the credit reporting agencies via USPS Certified Letters with tracking numbers XXXX, XXXX, and XXXX to remove late payments that should not appear on my credit report. 

Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I did not give any Credit Reporting Agency written instructions to furnish this transaction on my credit report.

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report CLEARLY STATES : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Consumer complaint received 2018-12-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NC)

I recently went to XXXX XXXX Puerto Rico on buisness and while there my phone was stolen. This was 4 weeks ago. When I returned home I immediately went to my branch bank ( Wells Fargo ) in XXXX, NC. to see if there was anything I needed to do to protect my bank accounts as I had been doing online bank business with my phone ( paying bills, transferring money between accounts ). The banker I meant with wanted me to change my PIN I used to access my accounts at ATMs. I did that. Then a few days later on line I seen unathurthorized transactions being charged against my accounts. I immediately went back to bank and told them about the problem. At that time they had me change my sign on name and password for online banking. This did not stop the transactions so I went back to bank with my wife and meant with a banker a 3rd time bringing with us transaction records I had printed from my on line bank records. The banker then called their fraud reporting people to go over some, not all transactions that I did not authorize. The girl never mentioned closing any accounts. As of now there is still unauthorized transactions occurring on my accounts and the bank has over {$10000.00} dollors of my money tied up that I can't access as they have froze all my cards and denied me access online at the same time charging me over {$1000.00} dollors in overdraft fees, interest on credit accounts and transaction fees for things I have had nothing to do with. The following day I went to get the money out that I could the intentions being to open another account with another bank. While standing in line waiting on a teller the branch manager confronted me saying I should have closed that account. This never given to me as an options in any of my previous meeting. I did not close the account at that time because I had my soc security scheduled to deposit in the next couple days. As of today I haven't been back to bank to see if my soc security has been deposited yet. I intend to do this asap with the intentions of withdrawing that money. Is there anything you guys can do to help me recover my lost funds and get reimbursed for for fees I should not have to pay..Thankyou
Consumer complaint received 2017-07-25
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: SYNCHRONY FINANCIAL (TX)

The exact same SYNCB/WALMART account on my XXXX Credit Report is reporting twice. As I explained to XXXX, these two accounts are the same exact account. The second account was created when my credit card was stolen and SYNCB/WALMART issued a new account number to prevent fraud. One of these accounts shows a payment status of 'unknown '. As such, the account should have been deleted on that basis alone since XXXX admits it cant verify it. Lastly, my account shows that I was 30-days late when in fact that is not true.
Consumer complaint received 2020-04-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL (CA)

I deposited Funds to synchrony bank with a new account open. I was told there are no holds for new accounts and if I sent a wire transfer, there would not be a problem. the funds would be available immediately. 

I funded the account and requested the funds to be wired out to two multi nation companies. I waited a day and was told after three calls to figure out whats going on, the company told me the account was under " review '' and that they do not allow me to wire funds out of the account. They also told me that one of the companies I wanted to wire to, XXXX, they would not allow. This company has not given me an actual answer as to why they are holding my money, and a " review '' is not substantial. I have a right to know the exact reason. 

Essentially, this company has been holding my funds for no valid reason. I opened up my bank account with my real accurate information. The company allowed me to open the account. I funded the account not with ACH but with real hard funds via wire. The company is now holding those funds without cause.
Consumer complaint received 2017-07-25
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. (TN)

Please see the attachment for my direct deposit check stub from XXXX XXXX XXXX XXXX XXXX. Be advised all of my creditors was payroll deducted. Wage earner was {$130.00} a week. Health care was payroll deducted, flexiable spending. Please notice my net year to date at the end of the year was only {$330.00}. My gross at the end of the year/year to date was only {$650.00}. Yet I made {$20.00} an hour end of the year of XX/XX/XXXX. And you tell me my identity was n't taken as a human being. This company was taking everything from me. Taxes was n't being reported to the government.
Consumer complaint received 2021-02-19
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: ALLY FINANCIAL INC. (MN)

I went into XXXX XXXX  in XXXX. XXXX, MN to try and open a savings account and I was told that I was denied on XX/XX/XXXX. I then went and had my credit report ran by a XXXX. XXXX XXXXXXXX XXXX XXXX  on XX/XX/XXXX and they informed me that on my credit report I had a fraudulent charge on there in the amount of {$2300.00} from XXXX XXXX XXXX on XX/XX/XXXX. I then proceeded to obtain my own credit report from XXXX, XXXX, and XXXX  on XX/XX/XXXX. I did not see those fraudulent charges on XXXX  or XXXX, but I was able to locate it on XXXX. On my XXXX  report, they had said that it was from Ally Financial, for the same amount, but different date being XX/XX/XXXX. I called XXXX  and attempted to dispute this charge but they had said that they were unable to process the dispute, as they apparently do not deal with checking or savings account fraudulent charges. I also called XXXX XXXX  XXXX, and they informed me that they did not have my information anywhere within their system but would forward the information onto higher ups for them to look into it further. Once I was notified of Ally Financial, I contacted them and spoke with a girl named XXXX, and she said that she would forward my information onto higher ups as well and I should hear something within 30 days. This was all completed after I obtained my credit reports on XX/XX/XXXX. For the record, I personally have never gone into or been associated with Ally Financial or XXXX XXXX. Also, upon looking at my XXXX  report, I noticed that they had an alias that was associated with my name. I have never had an alias.