davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-08
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: SYNCHRONY FINANCIAL (WA)

On XXXX XXXX, I applied for a store credit card at TJ MAXX only because the clerk had told me that no credit was okay, and people had gotten accepted before with no credit. I had no credit at the time, so this is why I asked in the first place. I later learned that inquiries can have devastating consequences on your credit, and because of false advertising from an employee at TJ MAXX, I applied for a card that could have been prevented by the proper explanation of the consequences, and terms.
Consumer complaint received 2023-02-13
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA (MA)

Marcus Bank closed my savings account after I withdrew my CD 's and immediately sent the remaining balance to the Mass Revenue Department. 
I never received an escheatment letter informing of what happened to the funds, only that the account was closed. I had to call to find out this information.

It's now been over four months trying to collect my money from the state, however they will be happy to help if I had the escheatment letter.
Consumer complaint received 2017-07-28
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)

The issue of Equifax reporting and sharing this erroneous information has persisted for a very long time even though the information is being reported under my Satisfactory Accounts History. The Account was closed by me XX/XX/XXXX ( XXXX XXXX XXXX ) has and is reporting that the account was closed in XX/XX/XXXX. My requests to Equifax has gone unaddressed they sent me a Notice that my Credit File was being placed under Fraud Alert and XXXX XXXX and XXXX would also receive a Notice. This was and is done without my " REQUEST or AUTHORIZATION ''. XXXX XXXX and XXXX both have removed the over 10 years history from my Credit File and again I want Equifax to do the same as soon as possible and end the erroneous and incorrect reporting..
Consumer complaint received 2018-01-08
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. (IA)

In both XX/XX/XXXX & XX/XX/XXXX I filed a complaint with XXXX and Equifax aboutUNAUTHORIZED inquiries on my credit report, prior to this complaint I had a fraud alert added to all 3 credit bureaus early in XX/XX/XXXX I believe XX/XX/XXXX/XX/XX/XXXX and wanted to be contacted if my credit was run by any creditors during that time I received only 3 calls from creditors to look at my report those 3 were "  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX '' because I was shopping for a new vehicle. All other inquiries from the time I had XXXX XXXX XXXX added till now were NOT AUTHORIZED and I asked to have them investigated and removed " XXXX '' completed their investigation on XX/XX/XXXX & Equifax completed theirs 2 days after submitting my complaint online, both stated that the inquires are Factual when they are not they took less then a week to investigate which I find a bit unbelievable I do n't think they actually did a investigation and it is GREATLY affecting my credit and hampering me from purchasing a new home!
Consumer complaint received 2018-01-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (NJ)

I tried to transfer over {$1400.00} dollars from Coinbase.com to XXXX.com and my money has been pending on XXXX.com for over 6 days now. I have emailed them for customer support, opened a support ticket, and tried calling but they are not responding.
Consumer complaint received 2017-07-28
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: FACTUAL DATA CORP. (AL)

I have an unauthorized inquiry from Factual Data which occurred on XXXX XXXX,2017. This inquiry appears on all three credit bureaus. I did not authorize anyone to access my credit report on this date.
Consumer complaint received 2018-01-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Deutsche Bank (CA)

I had a Deutsche Bank Credit Card No. XXXX way back in XXXX in XXXX, the limit was Rs.XXXX ( XXXX XXXX Rupee  ), I went back to XXXX after 9 years and came to know that Deutsche Bank converted into XXXX XXXX  in XXXX and now XXXX XXXX has made my total credit card bill Rs.XXXX. All the transactions are fraudulent and I also spoke with XXXX XXXX regarding this, he is just making excuses, I also offered him to file a police report, he said no to it. 

I want XXXX XXXX to waive all my Balance and also clear my credit report known as XXXX in XXXX.
Consumer complaint received 2018-01-07
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 have a hard credit inquiry on my Equifax credit report from XXXX XXXX XXXX from XXXX credit. I have never applied for credit with XXXX I contacted them and they did not have an answer for me as to why the inquiry is there. XXXX does not have this inquiry on my report only Equifax
Consumer complaint received 2018-01-07
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: ALLY FINANCIAL INC. (VA)

I purchased a new car in early XXXX of 2017 from XXXX XXXX in XXXX XXXX, Va and have XXXX hard inquiries from XXXX XXXX XXXX XXXX and XXXX XXXX XXXX on my XXXX report. I also have XXXX hard inquiries on my XXXX report from Ally Financial.
Consumer complaint received 2018-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

I recently reviewed my credit report and found unauthorized inquiries. 
I tried to contact the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be  inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX Business Name XXXX Inquiry Date XX/XX/XXXX Business Type Mortgage Reporters XXXX BYMAILONLY XXXX XXXX XXXX XXXX , XXXX XXXX Business Name XXXX Inquiry Date XX/XX/XXXX Business Type Auto Financing Companies XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX   XXXX Business Name XXXX XXXX Inquiry Date XX/XX/XXXX Business Type Bank Credit Cards XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX Business Name XXXX XXXX Inquiry Date XX/XX/XXXX Business Type Auto Financing Companies XXXX XXXX BYMAILONLY XXXX XXXX XXXX XXXX , XXXX XXXX Business Name XXXX XXXX Inquiry Date XX/XX/XXXX Business Type Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX Business Name XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Business Type Finance Companies - non specific XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX Business Name XXXX XXXX  XXXX XXXX Inquiry Date XX/XX/XXXX Business Type All Banks - non specific XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Business Name XXXX   XXXX Inquiry Date XX/XX/XXXX Business Type Automobile Dealers, Used XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Business Name XXXX Inquiry Date XX/XX/XXXX Business Type Personal Loan Companies
Consumer complaint received 2018-01-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (MS)

Had a kitchen fire XX/XX/XXXX. Received insurance funds from insurer on around XX/XX/XXXX mailed it to XXXX/chase on XX/XX/XXXX they received it on XX/XX/XXXX and it is now XX/XX/XXXX and I have not received a dime of my insurance money for repairs. I had a contractor do XXXX worth of drywall and put a stove in so we could cook for our family of XXXX. They said my claim was monitored because my mortgage was showing one month behind at time of fire and I needed a licensed g.c. Then they said I did n't need one because the job was under 50,000.00 on my state.Now they wo n't release any funds for me to pay my contractor with and I had to take a financial hardship withdrawal from my federal TSP. I am now in the process of hiring a licensed g.c. but I do n't have any confidence in these people.They do n't care about people and the hardships they put on them. There has got to be a better way to do this. I have been paying my mortgage with chase for 14 years now and I have no intentions of running off with the insurance money.
Consumer complaint received 2017-07-28
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. (GA)

Under the new law effectiveXX/XX/XXXX, 2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. the Credit Bureau has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report.
Consumer complaint received 2018-01-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Coinbase, Inc. (CO)

i deposited nearly {$40.00} into coinbase, tried 6 different times to submit an identity document so i could pull my money back out after deciding it was too sketchy, after getting my identity document finally approved after two months, i cant pull my money out of my account due to buggy websites, site delays, constant maintenance, and over all terrible costumer service. ive done a lot of research and seen many other people experiencing the same problems
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (WA)

I attempted to instate a credit freeze with Equifax, XXXX, and XXXX. All attempts failed beginning at XXXX XXXX. It looks like I will have to either call in the middle of the night, or do this by mail. 

Why do I have to pay {$10.00} to anyone to freeze my credit, when it was the negligence of the companies as well as lax data security policies that put XXXX XXXX citizens at risk of identity theft? 

The fact that it is n't easier to secure my identity in this situation is frustrating and infuriating. This process should be almost automatic, not reactionary. 

I want companies like Equifax, XXXX, and XXXX to have to ASK my permission to use my identity information.
Consumer complaint received 2018-06-05
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AES/PHEAA (TX)

I received a letter from XXXX XXXX XXXX For a creditor by the name of XXXX XXXX XXXX XXXX.XXXX XXXX. Creditors account number : XXXX. With a principal balance of XXXX with an interest balance of XXXX XXXX with a balance due of XXXX. This debt does not belong to me. I'm unaware as to whether or not my deceased ex-husband, XXXX XXXX XXXX, signed my name on any forms requesting this loan. However, in the event this loan were to be his or was to have been signed by him that should have been before our bankruptcy was filed in XXXX. In the event that this debt is owed by XXXX XXXX XXXX it should have been resolved with the bankruptcy. There were many loans XXXX XXXX XXXX took out in my name without my knowledge, which he was required to pay in the divorce settlement in XXXX. I have never received funds for this loan nor did I request this loan nor do I have knowledge of this loan.
Consumer complaint received 2018-01-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Stenger & Stenger, P.C (GA)

This company has sent documents as a CERTIFIED DOCUMENTS ADDRESSED in MY SON 'S NAME! I believe it is a time-barred debt. The debt was filed on XX/XX/XXXX, the judgement date is XX/XX/XXXX. This debt originated when I used to live in XXXX ( which was years ago ). The issue I have is that my son 's name was typed on a sticker and pasted over my name. My son is only XXXX years old. My check was being garnished. I believe that is part of a step to try to resolve the issue. Also, I do believe about two years ago a statute was passed that debt collectors could not garnish your pay if you lived in certain counties in XXXX. XXXX County being one of them. My concern is that is this even legal?
Consumer complaint received 2018-01-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (TX)

Withdrew Funds, Balance was not Reflected in Bank Account, although funds withdrawal show up as completed on platform. On XX/XX/XXXX XXXX XXXX. 
Amount is {$11000.00} Contacted support on XX/XX/XXXX XXXX, Case ID XXXX on platform. 

Response on XX/XX/XXXX XXXX. 

Hi XXXX, Thanks for reaching out. Having investigated the issue, I am working with a specialist to address it properly. We will follow-up with you as soon as we have an update. 

Thank you for your patience. 



No response since.
Consumer complaint received 2018-01-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (IA)

I have been working with XXXX XXXX to update my forbearance application for over a year. I emailed several applications and submitted all of the documents they requested. I called in several times to ask why my application was delayed in being reviewed and the customer service agent said that the form was illegible. I was able to look at the documents that I submitted and they were uploaded directly from my computer. They delayed in processing my application and then reported it late. My application was finally approved for a temporary forbearance but they had already reported it late. Their internal department keeps updating my mailing address to my XXXX sister 's home. I did not receive the statements. They were not authorized to update my mailing address.
Consumer complaint received 2021-08-04
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. (MA)

I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of Identity Theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Affidavit. Please delete the items as soon as possible. 

ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT WAS OPENED : XX/XX/XXXX ACCOUNT BALANCE : {$7600.00} ACCOUNT NAME : COLLECTION ACCOUNT NUMBER : XXXX ACCOUNT WAS OPENED : XX/XX/XXXX ACCOUNT BALANCE : {$570.00} The following personal information is incorrect : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX , MA XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, MA XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, NH XXXX
Consumer complaint received 2018-01-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Penn Credit Corporation (GA)

Agency called about a debt that was discharged over a year ago in a chapter XXXX bankruptcy. My attorney was also contacted previously regarding collection efforts with this debt when another agency tried to do the same thing. This debt is no longer owed.
Consumer complaint received 2022-10-04
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: JPMORGAN CHASE & CO. (AZ)

In XX/XX/XXXX, I purchased a XXXX XXXX XXXX in my business name XXXX, XXXX from XXXX XXXX  XXXX After recently checking my credit report I found that Chase Bank and the credit agencies put the business car on my personal credit report. No one gave me an option to not buy the vehicle under these circumstances. If I had known this is the practice of Chase Bank, I would have purchased through someone else. XXXX XXXX did not tell me who the vehicle was financed. When I signed the contract, it did not state the vehicle will be on my personal credit report. This is not in the contract. I was misled into purchasing this vehicle. This vehicle should not be on my personal credit report. The contract is not a valid contract. 
I'm confused, Did my business purchase the vehicle, or did I personally purchase the vehicle? 

Putting this vehicle on my personal credit report increased my debt-to-income ratio, lower my credit score, and prevented me from purchasing a home.
Consumer complaint received 2022-10-04
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: Affirm Holdings, Inc (CA)

I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any account not later than 4 business days after XXXX XXXXXXXX XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on this account is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX, CA XXXX, AFFIRM INC XXXX Date Opened : XX/XX/XXXX Balance : {$600.00}
Consumer complaint received 2022-10-04
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: CITIBANK, N.A. (TX)

Within the past 6 months I submitted an online application to Citibank for a personal loan in the amount of {$30000.00}. I received a letter from Citibank denying the consumer transaction. This letter was a false and misleading denial of my credit. At this time I am requesting a listing of all the factors that were involved in this consumer transaction. Under 15 USC 1611 this was a criminal liability for a willful and knowing violation of my consumer transaction rights.

I would like the underwriter to address this matter in an expedient manner.
Consumer complaint received 2018-01-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. ()

I am not able to login to my account via photo ID. They then ask me to take a photo via the phone app. I am not able to do so since I ca n't login ... I do n't understand why the app is like this. If I ca n't login via the browser on my computer, how can I login via the phone app to click on the option to send a photo ID?
Consumer complaint received 2021-03-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (DC)

US Bank failed to pay the appropriate amount of Washington DC property tax from our escrow causing us to incur late penalties and interest. We feel that US Bank is responsible for these extra charges. 

XX/XX/XXXX - first informed US Bank by phone about the incorrect property tax payment, and balance due. We explained in detail how to find the current tax bill and advised them about timely payment to avoid further charges. They still failed to make complete payment of the taxes before incurring more late fees in XXXX. We were promised a response in 10 business days. This response was 5 business days late. 

XX/XX/XXXX - second call made to US Bank to get them to complete the payment of XXXX taxes. They did not even attempt to make a payment until XX/XX/XXXX. At this point, even more fees had accrued. We were promised a response in 10 business days, and received none. 

XX/XX/XXXX - we paid the remaining taxes ourselves, to avoid further penalties and interest. 

XX/XX/XXXX - an email with details of underpayment of taxes and penalties incurred sent to US Bank representative, XXXX XXXX. No response to multiple emails. 

XX/XX/XXXX - phone call to US Bank Tax dept rep XXXX XXXX XXXX Texas Tax Center. She informed us that US Bank makes no attempt to acquire reissued tax bills, updated bills, or even attempt to pay those bills on time. US Bank looks at the tax bill up several months ahead of time and makes no attempt to ensure they are paying the correct amount on the actual tax due date. We were again promised a follow-up from US Bank after this call with XXXX XXXX, and have yet to hear from them, as of XX/XX/XXXX. 

We would like US Bank to cover the late payment penalties and interest we accrued due to their inability to pay the correct tax amount from our escrow account. The total amount owed from US Bank back to our escrow account is {$640.00}. A calculation of this amount is in the attachment.
Consumer complaint received 2021-06-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CBE Group, Inc. (FL)

I am not liable for this debt with 01 XXXX XXXX and I do not have a contract with THE CBE GROUP INC-FORMER plus they did not provide me with the original application like I asked. 

Account XXXX : XXXX XXXX XXXX : {$150.00}