davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-19
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)

I have asked both Equifax, XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX  XXXX to correct the information on my report. This account has been paid off and I was promised a DELETION of this tradeline. The account was closed, then I paid this account off on XX/XX/2020. This account is still showing as an open balance on my Equifax report, and possibly all of my credit reports ( XXXX  and XXXX  )! The refusal for these companies to correct their reports has COST ME ALOT in higher interest fees when I have tried to apply for credit! will these 3 companies be paying back the financial damages they have caused my credit???? Or will they be deleting the tradelines of XXXX XXXX XXXX XXXX XXXX?

It is totally unfair that I should have to wait TEN MONTHS for the correction after I was promised it would only take 30 days!!!
Consumer complaint received 2019-04-22
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (NY)

I have been a XXXX XXXX customer for over 20 years and have used their store card to make thousands of dollars worth of purchases for myself, family & friends. Recently, XXXX XXXX took it upon themselves to " upgrade '' their store card to an XXXX XXXX card. I had no interest in having an XXXX XXXX card but since I didn't notify XXXX XXXX of that fact they claim they sent me an XXXX XXXX card which I never received. Then XXXX XXXX told me they would send me a replacement card but they never did. In the interim, my original XXXX XXXX account was closed without my permission. Although I received a letter from XXXX XXXX from XXXX XXXX Executive Office claiming she would assist me with this issue I have called this office three times. First I'm connected to the wrong number then I get disconnected when I called again. On the third try at about XXXX today I get a recording stating I should leave a message since apparently the office is busy. XXXX XXXX Executive Office can't take a phone call during normal business hours?! I'm really disappointed in the shoddy treatment I've been getting from XXXX XXXX since their association with XXXX XXXX. Apparently loyal, long-standing XXXX XXXX  customers are no longer appreciated and are being forced to accept XXXX XXXX cards ...
Consumer complaint received 2019-04-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (AZ)

I signed up for Citi 's Safeguard protection service back in 2006 and was mislead on stipulations that are required to file for unemployment benefits in order for them to activate this service. As being unemployed for 4 months now, I've attempted to activate the benefits and was denied due to the fact I was denied unemployment benefits from the State of Arizona. This was never discussed as a requirement upon the initial offering of this service that it is contingent upon being accepted or denied unemployment benefits but was offered as safeguard in the event I was unemployed. I've attempted to just ask for the fee charged to be refunded as I can't utilize their service due to their necessary stipulations to activate it so I cancelled the service due to being misleading on how the service will work when been offered it by Citi via customer service call back in 2006. Citi 's customer service wasn't helpful as they just refer you to their third party agency, Citi Safeguard, when I've attempted to call and escalate the matter to appeal the denial so that I can get the fees back they charged me for a service that doesn't assist when you actually become unemployed. Please be aware of these types of service offerings when offered as they may have hidden stipulations and should be advertised along with service offering in the beginning. Otherwise I would have never signed up for a service that will not assist and deny you when you actually need it to function but they already collected their fees for it and not willing to give it back to customer.
Consumer complaint received 2021-06-19
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

I sent out a letter on XX/XX/2021, via certified mail, requesting that the XXXX XXXX XXXX account be deleted from my Equifax credit report. On XX/XX/2021, I checked online to see the status of my dispute and wasn't able to locate it. I called Equifax that same day, and they told me that the XXXX XXXX XXXX  account wasn't deleted. I was never notified of the status of the dispute, and I not able to attain any information on this dispute online. I am still asking that this account be deleted from my credit report since it was never verified. Also, this account is reporting late payments, and the account is closed. This is a violation, and I'm asking for this account to be deleted, NOT updated.
Consumer complaint received 2021-06-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (PA)

I do not owe the collection that is appearing on my consumer report. This company has also violated US code 1681 ( b ) subsection ( a ) ( 2 ) by contacting me and reporting onto my consumer report.
Consumer complaint received 2022-08-11
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Siggi LLC (GA)

Currently I have a loan with Omni Financial here in XXXX XXXX  I took out the loan for XXXX back in XXXX. I re did a loan in XXXX of XXXX which only added XXXX dollars. Looking now at my monthly reports the interest rate of this loan is XXXX XXXX and it is saying I owe over more than XXXX with my monthly payments of XXXX. 
I have been trying to knock it down but havent been able too with the highest interest rate I have ever seen. My loan should of been paid off by now but I havent by their standards even made a dent into it. 
Omni Financial was in for an investigation plus bankruptcy because of the XXXX business they were doing. I just dont want to be another victim to them.
Consumer complaint received 2021-06-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: MoneyLion Inc. (CO)

Ive had three transactions made through my account from a company called Money Lion I have never heard of this company, have no reason to be giving loans or XXXX to anyone or for anyone. 

XX/XX/XXXX : {$9.00} membership XX/XX/XXXX : {$44.00} loan XX/XX/XXXX : {$600.00} XXXX Ive froze both my checking and savings account, replaced the debit card and am still getting charged. Ive reached out to money lion and completed a file complaint, tried to do a XXXX chat and the button is unusable.
Consumer complaint received 2021-06-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Paypal Holdings, Inc (MI)

Paypal has repeatedly attempted to collect funds that they themselves have stated were unauthorized transactions ( declined at point of sale ). 
On XX/XX/2021, they denied my claim for unauthorized transactions. 
On XX/XX/2021, they stated that there WERE unauthorized. 
On XX/XX/2021, they stated they were " escalating to their back office to resolve. '' They have now submitted the {$450.00} to a collections agency when they simply were not owed any money whatsoever. This needs to be addressed by Paypal IMMEDIATELY.
Consumer complaint received 2021-09-12
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. (TX)

Both equifax and XXXX show an illegal credit card account opened on XXXX XXXX, by XXXX in my name that shows on my credit report. I took all the proper steps in XXXX to report the illegal use of my identity from making all the calls, making a police report and freezing my credit. 
My credit score which before all this was around XXXX, now it is still showing XXXX and XXXX. When is my credit score, that was hurt greatly after closing the illegal account by 11 points, going to be fixed???
Consumer complaint received 2022-08-25
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. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 



XXXX Addresses : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Employers : XXXX XXXX XXXX XXXX Inquiries : XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Collecons : XXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX XXXX XXXX & XXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Employers : XXXX XXXXXXXX XXXX Inquiries : XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collecons : XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX & XXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX XXXX BANK AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX : XXXX XXXXXXXX : XXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX XXXX XXXX & XXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-06-19
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. (CA)

XXXX XXXX is attempting to collect an unverifiable and canceled debt. This is for XXXX XXXX provided by XXXX founder and partner XXXX XXXX. XXXX XXXX refuses to contact XXXX who has stated that he is not collecting the debt. The Billing company that he used XXXX XXXXXXXX XXXX XXXXXXXX XXXX no longer works with XXXX and does not have billing records for this alleged debt. Their number is XXXX. XXXX XXXX can be reached at XXXX XXXX XXXX, XXXX, CA, XXXX ( XXXX ) XXXX XXXX XXXX has refused to contact the provider who owned the practice that the alleged debt originated from. XXXX Billing stated that he would be the individual responsible for deciding if a bill went to collections. The XXXX is no longer valid for the practice and they have no information about the debt. XXXX XXXX has refused to get current verification. 

XXXX  and XXXX have removed this item and sent information to Equifax that this is not a valid debt. Equifax refuses to remove the item. I have spoken to three different Equifax employees. One stated that she would have the item removed which was not completed.
Consumer complaint received 2022-10-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (OH)

On XX/XX/2022 I attempted to request a larger spending limit with JP Morgan Chase. Spoke with a representative and provided required information. I was then told I would not be award a spending increase at this time and that a letter would be sent to my home within 10 days regarding my credit inquiry. I waited 30+ days for my reasoning for credit denial for a larger spending limit and have yet to receive it. 

XXXX and XXXX reports were pulled and my credit score dropped XXXX points on XX/XX/2022 ( According to Chase XXXX XXXX ). On XX/XX/2022 my credit score jumped XXXX points according to Chase 's XXXX XXXX XXXX with a XXXX Score of XXXX.
Consumer complaint received 2018-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CO)

In XX/XX/2018 I made a payment to XXXX XXXX XXXX in XXXX, NE. I was running a little late on my payments so I made a payment of {$30.00} on XX/XX/2018. The amount shown past due at that time was {$28.00} so i actually paid more than what was shown as overdue. The payment was due on XX/XX/2018 so I made the payment early. They havd notified the 3 credit bureaus that I was 30-59 days past due, which is incorrect.

This has had a substantial negative effect on my credit score. Since the total amount due shown was {$64.00}, due by XX/XX/2018, how was I late. The amount circled shows the past due amount. While I was a few dollars short of the actual payment due, I still paid the overdue amount before the date due. Is this some sort of scam on the part of this company to charge more fees? This looks like a deceptive trade practice to me.
Consumer complaint received 2019-04-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE (PA)

BarclayCard cancelled my XXXX account without any warning. I have used the account recently, did not have any delinquencies and also had a rewards balance. BarclayCard will not let me view my account as this time, but I do know that I had over XXXX rewards miles that were not used as of 2018. I suspect this number is much higher now. Since BarclayCard did not notify me that they were going to cancel my account, I can only speculate that it happened because of erroneous negative information that had recently appeared on my credit report ( that has since been disputed ).
Consumer complaint received 2021-06-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

Opened up a checking account in my name and deposited 2 checks {$3200.00} and {$100.00}, from XXXX without issue. a few weeks later didn't have the ability to deposit a check via the phone and I called and said that I need to go into a branch and validate myself. A week later my banking account was locked and closed without any notification or followup steps. I called and over 3 phone calls was given different information all 3 times and speaking with a supervisor was given a new solution. Chase didnt give my any options that I can control. They basically gave me the feeling that I created a fake check and used it when that didn't happen.
Consumer complaint received 2021-07-03
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)

This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused XXXX injury and defamation of character along with XXXX plus days of no response.
Consumer complaint received 2022-04-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AmeriCollect (WI)

I have gotten repeated phone calls and letters from Americollect saying that I owe medical debt. They named my hospital, so I hung up and called my hospital to confirm that I didn't owe any money. The hospital stated that I didn't owe anything and that they don't use Americollect for their debts. I called Americollect back and told them that it was taken care of and that I don't want to be called again. I got even more phone calls saying I still owe money and when I ask for more information regarding the debt, Americollect says that they are not in contact with the people that post the debt.
Consumer complaint received 2022-10-14
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (CA)

My leased car was involved in a total loss accident. My automobile insurance advised me to longer make payments on the car and that they would submit a total loss action with Ally financial and that would be done in a timely matter. I stopped making payments and also received a misleading letter from Ally Financial dated XX/XX/22 where at the bottom of the letter states, " Due to the total loss claim, your account is placed in special handling. If you receive billing statements by mail or electronically, then they will be suspended temporarily. '' I understood this sentence as my payments would be suspended. I therefore, did not make a payment and Ally reported the late payment to all 4 credit bureaus. I called Ally on XX/XX/22 and explained the above and disputed the negative credit entry. On XX/XX/22 I received a letter from Ally with the decision that they would not delete the late payment off the 4 credit agencies. Before this, I had a high score of over XXXX points and now my score dropped about XXXX points. The negative entry is affecting my future purchase of a vehicle.
Consumer complaint received 2022-10-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (IL)

This was a cryptocurrency transaction. Coinbase has a major security breach that caused the loss of {$5300.00}. On XX/XX/22 I was trying to move some XXXX  cryptocurrency from my Coinbase XXXX to my Coinbase account ( with an eye towards cashing out ). I sent a {$25.00} test transaction to confirm that the XXXX was moving correctly from my Coinbase XXXX to my Coinbase account. That transaction was successful. Then I received a message INSIDE THE COINBASE WALLET APP asking me if i wanted to send additional funds to the same address that I had just sent funds. I clicked on the message thinking that this was simply Coinbase XXXX app providing a convenient method to repeat a transaction. Big Mistake. That message RECEIVED BY ME INSIDE THE COINBASE WALLET APP was either sent by a hacker who breached Coinbase security or a Coinbase employee trying to steal my money. So the {$5300.00} of XXXX cryptocurrency was stolen by someone who hacked the app from the inside. 

Not only did the hacker know that I had just sent a {$25.00} test transaction, but also knew that the COINBASE WALLET APP had basically no security. And infiltrated the app to commit this fraud. I contacted COINBASE 's customer service line within 10 minutes ( after I realized that there was a big problem ). So they knew almost immediately that there was a breach in their system. I have corresponded with their support team numerous times. Frankly, I am pretty sure that none of the customer service people even fully read the complaint. I have simply received legalist responses that never addressed the crux of the problem -- THAT COINBASE HAS A MAJOR SECURITY BREACH. I can forward the correspondence if you need it.
Consumer complaint received 2021-09-12
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. (CA)

I have more than {$400.00} in one of my Citi double cash account and found out that all my cash back were wiped out completely without any notice. Contacted the bank and were told they expires after 12 month even tho my account is in good standing. I put all my spending on this particular card last year and I haven't been able to spend much money because I am an XXXX XXXX XXXX  and been on XXXX most of the year due to COVID. I tried to explain my situation and were told there's nothing they can do at all. No notice/email was sent out about the award points going to expire within a year even when the account was always paid full on time each month.
Consumer complaint received 2019-04-22
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: WELLS FARGO & COMPANY (GA)

I checked my credit report and found this fraudulent account on my credit report. I have no knowledge of this account being that I was incarcerated of the time of opening the account please remove this account from my credit.
Consumer complaint received 2022-10-14
Product: Credit card or prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: U.S. BANCORP (AZ)

On XX/XX/XXXX I purchased a visa gift card for {$500.00}. In XXXX of XXXX I tried to activate my card to use it to find that someone else had falsely registered it and used {$490.00} of the fund. I called and spoke to VISA who informed me to send in all documentation they required and a copy of the card which I did on XX/XX/XXXX, but had to refax over 3 times for them to " receive it ''. On XX/XX/XXXX I was mailed a letter that they investigated the claim dispute and I was entitled to a new card replacement with {$490.00} on it. To date ( XX/XX/XXXX ) I have yet to received a replacement card. I have called over a dozen times to be told that there is an error in processing and to call back in another 3-5 days. Each time I am given the run around, or told that I could not speak to a supervisor, and placed on hold for over 30+ minutes, or simply hung up on. This is a lot of money to me and my family and it has been nearly a year since I bought the gift card, 10 months since I started the dispute, and 8 months since I received a letter from them that stated they owed me {$490.00} and would be sending me a new card. I am very frustrated, my patience has run out, and I am tired of the run around. I need some help to be able to have this in time for XXXX this year. I have all documentation, thank you!