davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (OH)

Coinbase - GDAX. 
On XX/XX/XXXX I initiated a trade on the platform which I have been an active user of since XX/XX/XXXX. When I tried to make a trade I received a notice saying that transactions have been XXXX. My account froze and I am no longer able to access it at all. 
I called customer support and was told that they don't know why, they are Coinbase support and not XXXX but they would escalate it and email me the phone number of XXXX support. The email I received reads as follows : Case # XXXX Hello, and thanks for reaching out. 

Ive taken a look at your account and it appears that you are not currently eligible to create a purchase order. This restriction may have been applied in error. 

Ive just escalated your case to our subject experts who will be completing a review of your purchasing eligibility shortly. 

You will receive a notification email if were able to restore your purchasing ability. Please note that while these reviews are typically completed within XXXX business days, it can sometimes take longer depending on our current case volume. 

For security reasons, Coinbase can not guarantee eligibility for every account. If your account has experienced chargebacks in the past this, as an example, can impact your eligibility. 

Thank you for your patience and understanding as we complete this review. 

This morning XX/XX/XXXX - I called support again and was told they had no answer. 




As of now - I have no access to the funds in my wallet- ( {$12000.00} ) and I can not get an answer from anyone as to why - when I did nothing out of the ordinary to trigger this activity.
Consumer complaint received 2018-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I have numerous accounts showing that I have late payments that have fallen under XXXX XXXX all in and around XX/XX/XXXX through when the name change to XXXX XX/XX/XXXX. I have never had a late payment as the loans have been in a deferment. I have continued to dispute these errors on my credit reports and at XXXX point even had a credit repair agency dispute these errors and yet these continue to remain on my report. I don't know what I need to do to have these items removed. XXXX XXXX is listed 9 times 1. XXXX XXXX opened XX/XX/XXXX, {$1300.00} - wrong XX/XX/XXXX, XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 2. XXXX XXXX opened XX/XX/XXXX, {$1000.00} - wrong XX/XX/XXXX, XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 3. XXXX XXXX opened XX/XX/XXXX, {$3000.00} - wrong XX/XX/XXXX, XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 4. XXXX XXXX opened XX/XX/XXXX, {$4500.00} - wrong XX/XX/XXXX, XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 5. XXXX XXXX opened XX/XX/XXXX, {$1300.00} - wrong XX/XX/XXXX, XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 6. XXXX XXXX opened XX/XX/XXXX, {$2000.00} - wrong XX/XX/XXXX, XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 7. XXXX XXXX opened XX/XX/XXXX, {$1300.00} - wrong XX/XX/XXXX, XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 8. XXXX XXXX opened XX/XX/XXXX - {$6600.00} - wrong XX/XX/XXXX, XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 9.  XXXX XXXX opened XX/XX/XXXX, $ XXXX- wrong XX/XX/XXXX, XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX opened XX/XX/XXXX, {$5800.00} - wrong All my loans were consolidated in XX/XX/XXXX and were placed in deferment due to numerous surgeries and unemployment. All these had been documented and yet this company placed these accounts erroneously right before they switched names to XXXX and all of a sudden there are no late payments. This company should not have been allowed to ruin people 's credit based on their illegal practices. I need these to be taken off.
Consumer complaint received 2018-06-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

On XX/XX/XXXX I purchased an Official Check ( # XXXX ) for {$12.00}, XXXX against funds in my checking account to pay my property taxes. On XX/XX/XXXX I called Citibank 's customer service to place a stop on the check because it never reached its destination. I was told I had to do it personally at a branch. On XX/XX/XXXX, I went to the branch ( XXXX ) where I purchased the check. I was told I had to fill out forms and that it would take 90 DAYS before I got my money back. When I asked why it had to take so long I was told that was the policy ( with no explanation as to why ). The banker did mention it would be faster if I returned the actual check. The bank would then just re-deposit it into my account. I left with the forms and spent the next two weeks trying to recover the check via the US Postal Service, but I was unsuccessful. On XX/XX/XXXX I returned to the branch with the stop payment forms filled out. The banker took the forms and informed me that it would cost me {$30.00} to process the stop payment. Later that day the banker informed me that I would have to deposit {$5.00} to my account to process the stop payment. Later that evening I deposited {$12.00} via an ATM machine. On XX/XX/XXXX I emailed for an update and was told that the stop payment was being " re-processed ''. Four days later on XX/XX/XXXX I received another email stating that my stop payment order had not been processed because I had not deposited any money as instructed. This is the worst customer experience I've ever had with a bank. There has been no effort to be helpful to me. First, Citibank insists on essentially holding MY MONEY hostage for 90 days and now Citibank is dragging its feet to place a stop payment on a check for over $ 10K of MY MONEY. Why is a bank permitted to do this to a customer? This has been an unbelievably frustrating experience.
Consumer complaint received 2022-10-04
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CarMax, Inc. (CT)

Note that this complaint is related to complaint # XXXX On XX/XX/XXXX, my wife paid her car loan from our joint account with XXXX XXXX XXXX XXXX XXXX which recently bought out our bank her in Connecticut ( XXXX XXXXXXXX XXXX  XXXX XXXX She used the new bill pay app from XXXX XXXX XXXX The old app added the decimal point to the left of the last two digits input, the XXXX XXXX XXXX  app added the decimal point at the end of the digits input. This caused an overpayment to Carmax our loan company of {$57000.00} on a payment that should have been {$570.00}. 

XXXX XXXX XXXX XXXX never notified us of the overdraft, and we didn't learn of it until receiving the title to the car in the mail. 

We immediately went to the bank on XX/XX/2022 to have the charge reversed and they claimed there was nothing they could do as it was an ACH transaction and we would have to talk to Carmax to get our money back. 

We spoke with Carmax representatives in the afternoon of XX/XX/2022 and eventually spoke with XXXX at XXXX and he told us that the reimbursement would be a check that would be sent out within 6 business days. We were quite relieved. However at the end of eight business days ( XX/XX/XXXX ), when we called to follow up, the reimbursement process had not even started yet. XXXX stated that Carmax had to wait 10 business days in case the bank reversed the payment. In our previous conversation there was no discussion of waiting an additional 10 days. Further as the bank says, an ACH payment is available immediately to the recipient. 

My question here is, which is it? You can't say its available immediately and there's nothing you can do from the bank side, and also say that you have to wait 10 days because the bank might reverse it. Someone is either misinformed or lying. In the meanwhile, {$41000.00} ( the amount difference between what we paid and what we owed on the car ) of our money is tied up and unavailable to us. Why were we not told of the additional 10 day " hold '' on our money to begin with?
Consumer complaint received 2020-10-28
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: EQUIFAX, INC. (MD)

On XXXX, Equifax and XXXX, it seems that credit cards and other inquiries have been carried out with me requesting them. It seems that the card company periodally do this and it affects my credit. Then it lowers my credits score when I pay my bills on time, I have recently paid off two cars and mortgage has never been late. I can not understand why on all my credit reports it show a low credit score. The companies that have recently conducted inquires on my report is what I am referring too. Please review this, these errors need to be consider and changed. I believe that my credit score is really too low for someone that pays there bills on time. Thank you
Consumer complaint received 2020-05-10
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: SLM CORPORATION (MD)

I have received several notifications about for a hard inquiries on my credit report which to the best of my knowledge was not initiated by me. I did however contact these companies to resolve this issue and also filed a report for investigation with the credit bureaus but this has gone unsolved. The hard inquiries are still on my credit profile and has made my score go down greatly and I still haven't been heard. Both XXXX  and XXXX  are reporting inquiries on my file differently.
Consumer complaint received 2020-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

Hello. This complaint is against XXXX XXXX XXXX. They refuse to report to Equifax and the other bureaus that I paid off my car on XXXX. My Equifax report is showing a balance with XXXX for {$16000.00}. I disputed this and received the dispute results on XXXX stating that XXXX verified to Equifax that the {$16000.00} balance is correct. I cant believe that they were blatantly untruthful. I called them on XXXX and spoke to XXXX. She told me that they will report my payoff to the credit bureaus within 2 months of the payoff. However, it has been more than 3.5 months, and they did not do so. Today is XXXX and I paid it off on XXXX. 

I have copies of the car contract. It shows the date of the original sale ( XXXX ) and the balance ( after the down payment ) that was financed by XXXX XXXX XXXX {$16000.00} ). I have the printouts from my personal and business checking accounts. I made XXXX payments to XXXX totaling {$17000.00} from XXXX to XXXX. I have a copy of the car title that was sent from NC DOT. It has an issue date of XXXX. I have screenprints from the XXXX website showing my payment history and a note that my account is paid in full. Please contact XXXX on my behalf. Hopefully they will finally report to Equifax ( and the other credit bureaus ) that my account has been paid in full and has a {$0.00} balance. Thank you.
Consumer complaint received 2020-05-11
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)

Dear XXXX Equifax XXXX I need you to fix this problem below please note that this is factual information taken directly from my credit report and these are blatant inaccuracies I would like for you to send me the DOC that are used in this investigation. 

These are the items I am challenging : XXXX XXXX XXXX Delete account for failure to perform and investigation per FCRA regulations because date of status did not changed and shows XX/XX/XXXX even though I disputed this account on XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX is marked 30 days late on XXXX and on time with XXXX. This account is inaccurate and must be removed. 


XXXX XXXX XXXX XX/XX/XXXX is marked 60 days late on XXXX but 30 days late on XXXX. This is inaccurate and must be removed. 


XXXX XXXX XXXX XX/XX/XXXX is marked as 150 days late on Equifax but 120 days late on XXXX. Delete immediately XXXX XXXX XXXX. XX/XX/XXXX is marked 150 days late on XXXX but 129 days late on XXXX. Delete immediately Please expedite
Consumer complaint received 2021-08-11
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)

My credit report shows a payment deferred status with on my XXXX XXXX account. I notified all 3 credit reporting agencies and the status has not been changed. I called XXXX XXXX and they advised the credit reporting agencies to remove that status. The credit reporting agencies have not complied.
Consumer complaint received 2020-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: MIDFIRST BANK (GA)

XXXX continues to report bankruptcy related information on a bankruptcy filed more than 10 years ago ( filed in XXXX ). My Midland account was reaffirmed in my bankruptcy, so the remark on my credit report is " reaffirmation of debt ''. I should not continue to be penalized or have a " derogatory '' account in my credit file for a bankruptcy filed more than 10 years ago. In accordance with the FCRA, the derogatory marks on my credit report related to that bankruptcy SHOULD NOT be reflected on my credit report. This same situation was happening with XXXX, so I filed a CFPB complaint involving XXXX, XXXX and Midland. ( It is also important to note that the XXXX account was closed on XX/XX/XXXX and Midland Mortgage was closed on XX/XX/XXXX - both with perfect pay histories. ) XXXX   responded to the complaint ( and my phone call ) advising that XXXX and Midland had to request the removal. XXXX has already done so, but Midland refused to take action. Until Midland takes action and asks for my credit line 's removal, I will continue to have a " derogatory '' remark on my credit file - and this is a violation of the FCRA.
Consumer complaint received 2020-10-12
Product: Credit card or prepaid card — General-purpose credit card or charge 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: JPMORGAN CHASE & CO. (AL)

On XX/XX/2020, I purchased a XXXX XXXX XXXX from XXXX 's, Store # XXXX, XXXX XXXX XXXX, XXXX, AL XXXX. I paid {$58000.00} using my Chase Prime Visa credit card, for the oven and installation in my house. The installer ( an independent contractor ) was to deliver the oven to my home at the time he installed it. This was XXXX 's project XXXX. XXXX. 
Several weeks later, a woman named " XXXX '' called to tell me my oven had arrived at the store and I should get a call from an installer soon. 
I did not receive a call from an installer and the oven was never delivered. However, XXXX 's charged my credit card for {$540.00} on XX/XX/2020. 
The oven was never delivered to my house. XXXX can not possibly have proof of delivery because I never signed a delivery receipt. 
In late XXXX, I created a dispute with Chase Prime Visa credit  card and was given credit for amount of {$540.00}. 
Then on a posted date ( not the actual date ) Chase Prime REBILLED my account for {$540.00}. When I called Chase to discuss the situation, they REFUSED to discuss it with me.

IN SUMMARY, I have been forced to pay for an oven that was NEVER DELIVERED. 
XXXX 'S DOES NOT HAVE PROOF OF DELIVERY. 
CHASE PRIME REFUSES TO GIVE ME A REASON WHY I WAS REBILLED.

These actions may constitute Conspiracy to Commit Fraud. I will file a complaint with the Alabama Attorney General 's Office.
Consumer complaint received 2018-02-28
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Paypal Holdings, Inc (IL)

On or around XX/XX/XXXX I began selling items on XXXX which requires a Paypal account to be linked for payment. Shortly after Paypal contacted me whom i've had an business account with for about a year. They wanted proof of I.D, Dropshipping info, residency info, order fulfillment info, and invoices. I replied and sent all information requested during this process my Paypal account was frozen for 48 hours. Once info was verified I was able to continue business. Then My dropshipper XXXX asked to verify my account and said it takes 3 days well it took 7. Once all this was sorted out XXXX contacted me asking if I had issues with order fulfillment I explained the issue and also explained why I refunded so many customers whom were waiting. I looked up and my XXXX account was suspended XX/XX/XXXX with a {$800.00} sellers fee for selling on XXXXy I haven't been selling for 30 days yet.They then began refunding all customers even the ones i've previously refunded. And I couldn't see any of my sellers information on XXXX nor respond to any customers. Upon review of my paypal account it was negative {$100.00} 's of dollars and refunds went to quite a few customers whom have been shipped to and received items previously or had tracking information attached to orders already out for delivery. There is proof which I will be attaching. At this time XXXX  is still refunding customers and even after several attempts to ask Paypal to cease the action on my account they have allowed this - {$1500.00} as ofnow. There were some customers that I needed to refund about 12 after account was suspended but now their money is gone and so is alot of mine thanks to the refund process XXXX has began blindly. Please look into this matter and help me I will attach shipping info, payal info, and messages XXXX has sent showing refunds to people and never contacted me about this issue. XXXX even skipped the process in which a case is opened and they allow you to respond in 24-72 hours they are not even contacting me. I've been passed around to over 20 customer service reps and account specialist with no results. Just refund email after refund email all day for days. Help
Consumer complaint received 2018-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I wasn't completely clear in my first complaint and resubmitted complain for which I'll be now. 
My concern isn't whether I paid late or not. This isn't an attempt to have my credit records cleaned up and bad information removed due to my own responsibility to pay on time, but a claim to have the company rectify its mistake and remove two 30s days late payment reported to the major credit companies because company didn't get in touch with client ( me ) to inform I was a month behind when making my monthly payments and had used excuse I opted out from being called by phone. But, letter communication, statements, robocalls, emails, still exist and company didn't comply to use them. The company put me under do not call list and claim not to contact me to address my late payments issue because of this very reason. I did not ask them to put me in such list and I did not want them not to call me, for which I'm communicating with the company to resolve this issue, all damage that has caused me and to my credit file. I'll be contacting the attorney office, plus I'll sue the company for their mistake in all possible ways. I'll gather all help I need to further assist myself in such matter to get the result I'm seeking due to their miscommunication and company ethical function and/or operational process with all customers.
Consumer complaint received 2018-02-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: VELO LAW OFFICE (SC)

Velo law has hit my credit several times for the same debt. They change the last four of the account number to hit my credit numerous times even though its the same debt. When I dispute the debt and it gets removed the change the name of the debt collection agency and put it back on. They have single handedly ruin my credit and made it so I could not buy a house! The original debt from XXXX XXXX XXXX is over 7 years old and the collection debt is more then 5 years old. I have contacted them several times and pet them know the debt is too old for them to collect on!!
Consumer complaint received 2018-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

This item is my mortgage account with XXXX XXXX XXXX or XXXX XXXX XXXX. My credit report is showing an open date of XX/XX/XXXX when it should show XX/XX/XXXX Highest Balance is showing XXXX when it should show XXXX. I am requesting the updated information be made.
Consumer complaint received 2020-05-10
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TX)

I want credit bureau to include my statement on the report. 

This is my statement : I, XXXX XXXX under oath and penalty of perjury declare that I am a victim of a financial crime. The information about the outstanding balance, late payments and charge offs, though correct is NOT due to my negligence or abuse of credit. All of it is due to cumulative effect of the financial crime against me. I have been and will continue to pursue all legal venues to fight this injustice against me with state, local and federal law enforcement agencies and courts.
Consumer complaint received 2022-10-04
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ALLY FINANCIAL INC. (MI)

On XX/XX/22, I checked my Ally Bank Savings Account and noticed a withdrawal from my Account in the amount of {$9800.00}. It was a Saturday, but I called Ally Bank and reached an Agent from whom I asked for an explanation of the transaction. She advised that it was an ACH Debit that had been initiated the day prior ( XX/XX/22 ) and the funds were being transferred to a Checking Account. I had no other Checking Account and I did not authorize any such transaction, and although I begged the Agent to halt the transaction she claimed that was not possible. I was notified XXXX  days later of a provisional credit and because I had never authorized any transfer, I assumed the issue was resolved, which was not the case. On XX/XX/22, I received a letter stating the dispute was closed and the credit to my account would be reversed, which it was on XX/XX/22. I have included with this Complaint my two most recent letters trying to resolve the matter, but Ally Bank has not provided any evidence that I authorized or in any way approved this transfer, and the reason for that is simple - I DID NOT. I literally pleaded with the Ally Agent to reverse the transfer, but she refused to do so, and now Ally is claiming I initiated the transaction from my phone which is both incorrect and infuriating. Thank you for your kind attention to this submission, I am a XXXX Veteran and I need the funds at issue, so I am hopeful you can resolve this matter.