davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-05
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: LEXISNEXIS (OH)

I previously attempted to resolve the matter of a public record unlawfully reporting on my credit report. The courts nor the state no any government body, FURNISHES DATA to any of the 4 major credit bureaus. 

That is due to a 3rd party who I DID NOT AUTHORIZE to pull any public record with my name to sell that information to any organization nor share it with any organization. 

Anyone or Company who wishes to see a public record bearing my name needs to travel to the courthouse to view it in PERSON THEMSELVES if the matter is that important!!! 

Furthermore I opted out of Lexis Nexis and suppressed my personal information from being shared on the web or sold for profit. 

This is my last and final attempt and next I will file a lawsuit against XXXX.
Consumer complaint received 2018-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Conn's, Inc. (NC)

I spoke to two representatives from Conns customer service. My complaint was the principal balance was not being updated on my credit report. And has not been updated for months. 1st rep  said that she would put in a dispute 2 weeks ago. I never heard anything back about the principal balance. So I called again XX/XX/18 and the rep said she would put in a disuse. I have little faith in the stories these reps tell.
Consumer complaint received 2017-07-27
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: SYNCHRONY FINANCIAL (IL)

When this line of care credit was opened with Sychrony Bank I was paying my payments as per the agreements. When the statements were coming in they were not reflecting my payments. After speaking to sychrony bank due to my concern with the balance and the charges for late fees they assured me they were aware of the mistake and that this would be resubmitted and the payments would be applied. The balance we agreed upon was not correct. I called Sychrony bank to resolve this and I was met with challenge after challenge.
I stopped my payments and continued to call Sychrony Bank, During this process the interest kept adding up.
Regardless of my attempts I was met with opposition.
As of today my balance on the account is XXXX and the interest is XXXX. I called and was transferred to 3 different departments. I was told I can not access full accounting on my account and that there was not a department that could help me. I was given an address to write in for any information that I needed.
I said this is my third attempt to bring resolution to this account. I wanted to pay in full my balance of XXXX  if it reflects the right amount as per my payments and then discuss the interest. Regardless of my efforts I am met with the same response. Mam we can not help you with your requests you have to write in and when I ask to move up the line to a supervisor and demand some type of assistance in bringing this account current I am hung up on.
This account has dragged out this far because I can not get any communication or resolution even when I try to pay The fact that I can not access any of my account information online ( they locked my acocunt ) that I am trying to pay and that I am trying to resolve this matter and they hang up is outrageous. It is truly my belief that they want these accounts to incur interest and these problems with payments not being registered is by design. I could not pay this bill and bring it current if I wanted to.
I now owe more in interest than the charges. I want to pay this bill and be done.
Consumer complaint received 2018-01-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (AK)

Coinbase XX/XX/XXXX : Coinbase deactivated my Coinbase wallet citing eligibility restrictions ( they think I live in Wyoming, but I live in Alaska ). 

XX/XX/XXXX : Coinbase locked my account. I have no access to my account. 

XX/XX/XXXX to XX/XX/XXXX : Repeated attempts to inquire about getting my money out of my account. Coinbase responds with steps to remove my money, yet ignores the fact that I cant access my LOCKED account in order to follow their steps.

Case ID : XXXX Case ID : XXXX Case ID : XXXX Case ID : XXXX Coinbase has my money, wont allow me access to my account to retrieve my money and continues to tell me to access my account, remove my money and close my account .... but they wont give me access to my account in order to follow their outlined steps. 

Please help.
Consumer complaint received 2018-01-05
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY (CA)

RE : Wells Fargo Dealer Services This is in regards to Wells Fargo reporting that I made a lie payment on a car loan. 

A late payment was NEVER made and I have a letter showing that Wells Fargo made a mistake in marking this as late and even FULLY REFUNDED the late fee. 

Request : Rectify and delete late payment
Consumer complaint received 2017-07-27
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: U.S. BANCORP (AZ)

XXXX was reporting outdated information ( from XXXX 2017 ) regarding a US Bank credit card account for which I am an authorized user. My wife is the primary account owner. We contacted XXXX and they advised that they had simply not received updated information from US Bank and that we should submit a dispute.
We were not advised that by submitting a dispute, XXXX would delete / completely remove the account from my report. Removing the account was the incorrect action and not what I requested. The account was correctly showing up on my report, but the balance and payment information simply needed to be " refreshed ''. The removal of this account caused my XXXX  credit score to drop by over XXXX points, which has prevented my wife and I from being able to apply for a home loan.
We requested to withdraw the dispute from XXXX, but they advised that this was not possible and that the only way to resolve the matter would be for us to contact US Bank and request that they either call the " local XXXX marketing office '' or submit a request to update.
We submitted documents in writing to both XXXX and US Bank requesting this. US Bank advised that they can not call the marketing office and repeated efforts to request them to do so have failed. US Bank advised that they investigated out situation and sent over a request to XXXX on XXXX/XXXX/2017.
XXXX advised that upon receive such a request it would take 5-7 business days to update the information. However, I called today and they are now stating that they have NOT received any kind of request and that the only way to get the account correctly reinstated to my report is to have US Bank call the office ( which they refuse to do ).
XXXX is now also stating that there is a " technical error '' with my file / report and giving me the " run around '' each time I call. US Bank refuses to assist further.
Consumer complaint received 2018-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (OR)

According to XXXX XXXX, I was identified as being compromised in recent security breach. Since that breach the following suddenly appeared on my equifax credit report and affecting my credit score. 

1 ) Equifax suddenly froze my credit file since breach for no reason. Credit file reads " Credit File Status File Blocked For Promotional Purposes ''. I never asked or requested my credit file to be frozen. I need help with removing this wrong credit file as blocked. 

2 ) Equifax reports says " payroll is payroll deductible '' which is an obsolete comment entry. Obsoloete since XXXX 2011. 

3 ) XXXX XXXX ( CLOSED ) - a ) reports as charge off in Comments 1 when it was sold to third party. 
b ) Comments 2 reports : " payment is payroll deductible ''.
Consumer complaint received 2019-10-21
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. (FL)

In XX/XX/XXXX I disputed an account reported by : XXXX in the file you maintained under my social security number. 

I was informed in XX/XX/XXXX that the item was deleted from my credit report. 

Now XX/XX/XXXX I have discovered that the item has been reinserted on my credit report.
Consumer complaint received 2018-01-05
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: JPMORGAN CHASE & CO. (NY)

I noticed recently on a credit report included with my apartment application that in XXXX 2017, there was a hard inquiry for an auto loan by CHASE. I called chase and they said there were no records of any auto loan application in their records and so there should not have been a hard inquiry. They did not want to update XXXX because they said that since there were no records on file, I would have to call XXXX  directly. On XX/XX/XXXX, I called XXXX to dispute this, and they refused to dispute it or to investigate or to call Chase. I explained I did already and that they needed me to call experian to dispute and when they dispute, they 'll remove it because there are no records. He said no, I have to call Chase again. After this long argument about how he could not and would not investigate, I called chase auto back. He again confirmed there was no application process started and that a hard inquiry should not have been processed over a simple question and without my permission. he expressed that chase takes these matter very seriously and will have someone call me back in 24 hrs. I did not receive a call back.
Consumer complaint received 2018-01-05
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)

About 6 or 7 months ago i purchased my first copy of my credit report and noticed that some one unknown to me had used my personal information to get few credit cards from XXXX XXXX under my name. I immediately contacted the credit bureaus and notified them about these accounts was opened up under my name fraudulently and right after i had filled a police report with the local police department. After i sent my dispute letters to all three major credit report agencies, XXXX had removed these fraudulent account from my credit report and i been going back and forth with XXXX and Equifax. which i decided to report this to you for help, please help me.
Consumer complaint received 2021-03-24
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Brightfunders, LLC (NC)

I am a XXXX  XXXX, in a contract with a client to build a house. Homeside Financial has the construction loan which will be a home loan with the VA in the end. Homeside has moved {$7700.00} out of the construction budget to a column labeled " Prepaid or Equity from Borrower. '' This money is clearly not in the " Drawn to Date '' column. However, the representatives at Homeside insist that I was paid this money. I have tried several times to explain their own spreadsheet to them, but they can't see the error. I have told them if they will add the Drawn to Date and the Balance Remaining columns that should equal the contract amount. The total is short {$7700.00}. 

I can't upload the XXXX spreadsheet, I could forward an email with the attachment if you contact me. XXXX XXXX
Consumer complaint received 2018-01-05
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (OH)

XXXX, Equifax, and XXXX refuses to accept my Identity Theft report from the police. They are refusing to place a 7 year freeze and a 7 year fraud alert on my credit file. I have made numerous attempts to resolve this, was charged {$5.00} and was assured by XXXX and XXXX ( reference number XXXX ) that XXXX would refund this money once they received a copy of the Identity theft Police Report. Military ID with social security number is attached. Please let me know if I must get a Senator or President Trump to assist.
Consumer complaint received 2021-08-04
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. (CA)

This is about a cancelled flight ticket purchase dispute. 

I bought three international XXXX XXXX tickets using the CHASE UNITED credit card on XX/XX/XXXX. Due to the travel schedule change, I wanted to change time for the booked flight. The XXXX website clearly states there will be no penalty on change of flight due to Covid-19. I canceled this booked flight and then booked another flight on XX/XX/XXXX. But XXXX did not refund me the cancelled flight, instead, gave me points, which will be expire in 2 years. I don't want any points because under pandemics, there will be too many uncertainties for traveling. So I applied on XXXX for refund for my cancelled flight. The refund request was approved and should have been completed on XX/XX/XXXX according to my refund record. However, up until now, I did not get the refund back to my card. 

I disputed this transaction with Chase and the reply was they thought this transaction was valid even after I gave Chase all the documents about my flight booking record, refund request and the approval of my refund. Chase completely is at the side of XXXX and have no protection for its card user. Its investigation disregards the fact that XXXX approved my refund request and don't want to be a middle person to protect its consumer. 
Chase only allowed for a 2 month delay payment because I told them I called XXXX ( after waiting in the line for 30 mins ) regarding this transaction and its approval about my refund request. The rep only answered that according to the record, it really show the refund is approved. Probably wait one more billing cycle for the money and he did not have any authority to look into more details. 

Here are my responses to Chase dispute notice : 1. This transaction is not valid. I wanted to change time of the flight. Not buying another flight. The XXXX should not charge me for another flight. 

2. The refund request was approved by XXXX on XX/XX/XXXX. It took so long until now is not my fault. Why did Chase believe in merchant 's allegation for too long and unwilling to credit back, and not supporting its consumers. 

3. Since Chase believe I have a valid complaint with XXXX on XX/XX/XXXX notice, then the result should be the transaction is not valid. 


Another related complaint is Chase added interests on this transaction during disputed period, which is a violation of CFPB Federal consumer protection law.
Consumer complaint received 2018-01-04
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: KEYCORP (CT)

I opened a checking and saving money market account in Key Bank on XXXX and immediately I started haven my name mess up and look like I am a liar even to church facilities were I gave my checks knowing that I had more than enough in my account to covered them. I am very upset with this branch messing with my money and name since I started banking with them. I have tried everything to tried to get this resolved but no help. I have unauthorized transfers that I have been telling Key Bank about an nothing but a nasty and negative response from them after they mess my name up .I got things still coming out of collections due to a game that someone had from Key Bank in my accounts. My funds just started disappearing out of my accounts. I am going to request again my money to be given back to me from this bank. I had made them fully aware and I am going to do it again today in this complaint. I want all the unauthorized transfers to be credit back into my accounts and then a check to be mail to me not deposit back into my accounts. I want my XXXX that was in my account on XXXX XXXX to be mailed to me. I have stated that money I didnt withdrawal out of my accounts someone else from the branch in XXXX Ct that wasnt XXXX XXXX took access of my funds and I want my money back just the same way I had it in my account.I am sick of the fix paperwork to make my account look like I dont have any money in them when I do. This is wrong how many requests does it going to take to get your own money back.It would be nice to see real paperwork fabricated with the correct information like the one I hold that I got from the main office.
Consumer complaint received 2018-01-04
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: BARCLAYS BANK DELAWARE (NY)

I contacted XXXX credit reporting agency today XXXX/XXXX/2018 to verify that there are no negative accounts reporting on my credit report. I had a few accounts that did not belong on my credit report and disputed them. XXXX did there investigation and it was confirmed to delete the negative accounts. I am very pleased that it was confirmed there are no negative accounts on my equifax credit report however upon checking my XXXX XXXX account there is a history code with a number 1 next to it which means there was a late payment I resolved this issue with XXXX directly months ago and it was agreed they would remove that code which they still did not do. Upon speaking with the equifax rep I was advised that some of my accounts are not reporting a history code. I was advised to contact the creditors to ask them to please report the history code on these accounts as they are all accounts that are positive and in excellent standing which helps my credit score. I did not get anywhere so I am complaining to the cfpb in hopes of resolving this issue. The accounts that are not listing my history is " Barclay 's card '' I have 2 accounts with them. Another account is XXXX XXXX '' I also have 2 accounts with them as well. Another account is my XXXX XXXX accounts that are also not reporting the history. All of these accounts on my part are showing as Paid as Agreed Never Late however on equifax 's part this information is not showing. I was advised if my credit is pulled they will not see these comments. Which would affect me in obtaining credit. I am doing as I was advised by XXXX
Consumer complaint received 2020-08-19
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. (OH)

My social security number was ran without my consent. I did not apply for a auto loan as i do not drive or even have a license. Please remove inquiry from my credit report!
Consumer complaint received 2017-07-27
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: CITIBANK, N.A. (GA)

I am a single woman with no kids and I live alone. I purchased a couple of TV 's on line through Best Buy website. Both Tv 's were delivered. I went out of town 2 days later for work because I travel for my business and I also had to go out of town to check on my family who was in the hospital at the time suffering from XXXX XXXX. upon my return I scheduled to have the Tv installed over my fireplace on XXXX XXXX. Before finishing the installation by putting the TV on the wall, the installer notice a chip on the bottom corner. I have attached a copy of the picture that was taken at the time it was on the wall. I called Best Buy to inform them of the problem, they referred me to XXXX and when I spoke with them they said the TV was in good working condition when it left there warehouse and the responsibility falls onto Best Buy since it was delivered. Neither company was taking responsibility for the damage tv. I took the Tv to the local Best Buy store in XXXX on XXXX XXXX. I spoke with the Store Manager XXXX XXXX and he noticed the damage on the box and mentioned that it was a common problem. If you see a damage on the box is where the damage on the TV will occur. So he sent the TV to the XXXX XXXX to see if they would fix it and told me that I would still be responsible for paying for the cost. I told him at that time if there is a cost to fix I would n't pay it because it is not my fault the tv was damaged. I asked if he had another tv like the one I had for purchase. I purchased another tv the same day before leaving because I needed the installation person to complete his job so he could get paid for services. On XXXX XXXX I received an email stating that the tv could be fixed XXXX didnt have the part and the XXXX XXXX could n't fix it. They stated there was nothing else they could do nor could they refund me for the damaged tv. I later dispute the transaction with my credit card and the credit card company was told by best buy that they have a 15 day return policy and I was past that time frame. Now my best buy credit card would n't refund me nor would they cover the warranty like most credit companies when using major credit cards. Now I am stuck with paying for a tv that I no longer have in my home and ca n't use and this is unfair to me as a consumer to have to still pay for merchandise that I did n't damage --
Consumer complaint received 2019-10-21
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: SYNCHRONY FINANCIAL (IL)

I notice that my credit report was ran without my consent on XX/XX/XXXX by  SYNCB/XXXX and on XX/XX/XXXX by SYNCB/AMAZON. I have been a victim of Identity theft and I been trying to reach out to the creditor to have this inquiry removed along with the other inquiries that were placed on my credit report.
Consumer complaint received 2018-01-04
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (OH)

I wired USD XXXX to my account at Coinbase on XX/XX/XXXX. As of today ( XX/XX/XXXX ), I still have no access to my funds and they have not returned the payment either. I checked with my bank and payment was cleared the same day and transferred to the account of Coinbase at XXXX XXXX XXXX on XX/XX/XXXX. It has been almost a month and it is almost impossible to get a hold to anyone from Coinbase at all. They reply emails once a week with no specific information, only automated responses. Their customer service phone is impossible to reach either.