davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERIS BANCORP (GA)

My XXXX  credit report shows my auto loan as closed and transferred, this is incorrect. I disputed the matter with XXXX and have been informed that Ameris bank has updated my account to show as closed/ transferred or sold. I have been making my payments on time and would like Ameris bank to correct this matter by reporting accurate information about my auto loan to XXXX. XXXX credit dispute number is XXXX, and I received the results of my dispute today XX/XX/2021, which still shows inaccurate information. My auto loan originated with XXXX bank which they company named switched to Ameris bank. The old account that was with XXXX was changed to the new account number XXXX with Ameris bank. My auto loan with Ameris bank is opened, current and paid as agreed, I would like Ameris bank to correct my credit file with XXXX  to show as open, the original balance, current balance, how much is monthly payment and account status as pays as agreed.
Consumer complaint received 2019-05-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (WI)

On XX/XX/2018, I visited a Citibank branch in XXXX to avail a new checking account offer, that entailed Citibank crediting 30,000 XXXX XXXX AAdvantage  miles to new customers. I hadn't been able to sign up online as I am a Non-Resident Alien owing to being an international student, but I was eligible for the promotion, and had to visit a branch. 

Citibank did not give me 30,000 XXXX XXXX miles, stating that I had not provided any data regarding why I'm present in the US, although I'm a XXXX XXXX. But this was despite the fact that I had submitted a copy of my passport & XXXX student visa issued by the United States of America, which also states the name of my university. Even after mailing those items ( including a local address proof & XXXX and its addendum ) via USPS, I still received a canned response. So, I resent copies of my passport, visa, local address proof again along with XXXX ( and its addendum ) & an enrollment verification letter from the university registrar, but I haven't received the promised 30,000 XXXX XXXX miles yet. 

Its back-office employees don't seem to carefully look at the data, and this situation has been causing me a lot of inconvenience.
Consumer complaint received 2021-08-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (CA)

I opened an account in Coinbase.com I transferred XXXX XXXX from my checking account, and for no reason, days later, my Coinbase account has been Locked and I'm unauthorized to use it. I was contact them many times, Coinbase have no phone support and all the emails and the claims they say are working with an specialist to fix this issue, since XXXX Coinbase haven't do anything to contact to me in anyway. By sent many Claims they sent me many Cases number, the last is # XXXX
Consumer complaint received 2020-08-19
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. (PA)

On XX/XX/20 I charged {$150.00} my Brooks Brothers Platinum Master Card for the purchase of XXXX XXXX sets for my grandchildren. After waiting 2 months for delivery I attempted to track down the vendor from the information given on my credit card bill. I searched every resource possible but could find nothing at all on who the vendor is or where they might be located. I then called the credit card company to lodge a fraudulent charge. They sent me a letter requesting all the information I had which responded to in writing. Approximately 30 data later a received a letter denying my claim indicating they did not have enough information to grant my claim. I then called the appropriate dept of the credit card company for an explanation.After a prolonged discussion they would not honor my claim saying they didnt have enough information. I gave them all the info I had. What else am I to do. I directed that my account be closed after 25years.I have continued to pay on the account as they will report me as delinquent should I not. Im a senior citizen and can not afford the loss. Iwould appreciate any help or guidance you can provide me. THANK YOU
Consumer complaint received 2021-03-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (OR)

I have had big problem with this paypal mess for months now, and now they have added another problem for me. I want to log in on the same pc I always use. I have had no changes with my log in or password. Nothing has changed other than them maybe wanting to hassle me for when they recently would not let me link my bank acct to transfer money. I try to log in and it now wants a mobile number which I do not have. I need my acct unlocked so I can access it. This is causing me problems once again. 

I sat through 2 minutes of messages and number punching to finally get on the wait list for someone to talk to. I then waited for over 10 minutes and still got no one. I worked on this complaint while I was waiting and finally ended the call and I am now sending this complaint to get some action. 

If this company can not operate it properly and with any of these excuse they use they need to shut down their operation as they are causing people all kinds of problems. They seem to have plenty of workers there to hassle me like they did with my last complaint. Some clown there spent who knows how long to give me a hard time with distractions, excuses and non-applying things instead of simply taking care of the problem. Have this same clown work on this one also and I can keep making complaints every place I can find until I get my acct unlocked. Have that clown do some actual work there and stop hassling customers. Why is this company even in business?
Consumer complaint received 2021-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (OH)

I have reached out to CFPB previously to resolve this issue regarding a credit card that was obtained in XXXX reflects me as a co-debtor despite the fact that I was not even born until XXXX. The company reached out to me apologizing that the error was on their part but the debt remains on MY credit report. This credit card is nearly maxed out and it is directly affecting me from being able to utilize and or establish credit in my name. How can I have this error removed from XXXX and equifax? It appears to be removed from XXXX but still present on the other two despite the previous report being in excess of 30 days. Please help! This credit card has a limit of {$12000.00} and it pretty much stays at that at all times drastically affecting me overall use of available credit!
Consumer complaint received 2021-01-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect (MO)

I have recently Disputed this matter withXX/XX/XXXX, andXX/XX/XXXX Unfortunately They Have failed to reach back by mail with the Burden of Proof within the required 30 days. I have stated to them the information is incorrect on my credit report and is fraud, This falls under The FRCA Requirements, and I have shown a XXXX goodwill letter after the first dispute. Please provide Burden of proof by mail that the information is accurate or remove this account due to Fair Privacy Act.
Consumer complaint received 2019-05-13
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. (DE)

I closed my account in 2011 why is it still reporting to all three bureaus. This company refuses to remove the reporting of this old account. Why do they have the right to hold an old account such as this still reporting?
Consumer complaint received 2021-08-05
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XX/XX/XXXX and on XX/XX/XXXX, I sent in dispute letters to all three credit bureaus. Equifax is the only company that has not responded to either time I sent in dispute letters. The other credit bureaus responded within 30 days, and also removed the information I disputed. The accounts I disputed are listed below. Please note that these have all been removed from the other credit bureaus XXXX  and XXXX, thank you. 

XXXX XXXX XXXX XXXX - # # # # # XXXX XXXX XXXX XXXX - XXXX XXXX XXXX/XXXX- XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (OH)

My Department of Education/Navient are reporting me as 90 days late XX/XX/XXXX when I have made a payment and reporting me 150 days late XXXX and XXXX of XXXX when my account was in Forbearance also the report is missing data
Consumer complaint received 2021-08-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings (FL)

I have contacted XXXXXXXX XXXX XXXXXXXX over 5 times concerning a bill sent to a third party I.Q International , Inc for {$1600.00}. I have left 2 messages with Mr. XXXX concerning this matter in which he states the Assistant manager has to go over this information. I called a 3rd time and the assistant manager answered and said she would call back to go over this invoice. This was over 3 weeks ago and still no return call after multiple messages. I called a week later and left a voicemail and no return call. I called a 5th time XX/XX/XXXX and was informed by Mr. XXXX that the assistant manager stated she would call back and I still have not received a call back. When contacting I.Q Data I was told I had to speak with XXXX XXXX XXXXXXXX because they do not know what the break down of charges are. Since then I have call them several times to try to inform them that I am getting no where with XXXX XXXX XXXXXXXX however ; I can not get anyone on the phone anymore after several attempts on different days at different time. I was informed I would get a bill sent to the forwarding address I gave before my departure and I never received this. I do not know what these charges are to total {$1600.00}
Consumer complaint received 2019-05-13
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (NE)

I evidently became ineligible for my past income-driven repayment plan in XXXX, so Fedloan had my re-apply for another repayment plan. I submitted a new repayment plan application in early XX/XX/2019. It took over 4 months to get processed. In the meantime, I had to make full payments on my student loans, which I did for two months. Also, in the meantime, I receive conflicting and confusing correspondence from Fedloan saying I had past due bills, my application was approved, my application was denied, my application could not be approved, they needed additional information, I needed to make additional payments ( even though I was making payments all the time. ) Now, my new plan has been approved, but I still have a past due bill for a full amount even though Fedloan said my new payment plan is approved. 

Every time I call, I get conflicting information and after spending too much time on the phone, Fedloan says they have straightened everything out. However, they can never send my any documentation of our calls, so when the next letter comes that conflicts with the last information comes, I have no method of straightening anything out. 

I work for a non-profit and my income has not changed. My employment is dependent on an income driven plan but Fedloan has made this impossible. I fear that I will suffer negative financial  consequences when I am trying my hardest to be compliant. However, Fedloan 's inability to provide any clear or consistent directions or communication has made this impossible. 

I am available for any clarification. Thank you for your attention to this matter.
Consumer complaint received 2019-05-13
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: Uber Technologies Inc. (OH)

I read through all the terms and conditions of the Uber Visa Card program and applied for the card on XXXX. I was approved without any issues, which means I should qualify for their Signature program and have my card delivered the next day ( i.e. XXXX  ) via XXXX, as mentioned in their terms and conditions ( i.e. the contract for this relationship ). However, upon calling and speak with their reps for more than two hours, they are not willing to abide by the terms and conditions. They are only offering me the following options - wait for two weeks to receive the card or pay {$15.00} to receive the card after 2-3 days, neither of which is mentioned or aligns with their terms and conditions ( i.e. contract ). Moreover, I asked the rep at least 5 times to transfer me over to a manager and he made me wait for an hour but still, neither transferred me over nor agreed to do so. In addition, whenever he asked me if it's okay for him to place me on hold, even though I said no, he ignored my answers and requests and continued to do as he wished. I'm not sure if what I experienced is customer service or customer harassment.
Consumer complaint received 2023-01-09
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)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-27
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: EQUIFAX, INC. (CA)

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (OH)

I applied for a credit card w a XXXX credit score, I was denied. I called Citibank to see why this was denied. Citibank advised I had a card w them back in XXXX as I was an associated account holder and was never able to get a straight answer due to me not being the primary? I never had a Citibank card and never applied for one, they advised that I had an outstanding balance of over XXXX dollars ( what I gathered from talking to over 20 People at Citibank ) I have been trying since XX/XX/XXXX to resolve and can not get anyone to to assist after multiple calls and over 20 employees. All every Customer service rep wants to do is transfer me to another department, I have 8 phone numbers that I have been given by one person or another and everyone has done nothing to assist. I am reaching out to The CFPB as this is a serious violation of FCRA and FACTA Can you Please assist? 
Thank you XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-08-05
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC (CA)

You do not provide an other option for Type of Problem. Therefore, I had to select the problem that most closely resembles my issue. I have strong evidence that this lender is not a XXXX  owned corporation and that it is actually a XXXX XXXX used by outside investors to skirt the usury laws of many of the states in the U.S. behind the shield of the sovereign nation. What this lender is doing is fraudulent and should be investigated not just by the CFPB, but also by other agencies that regulate the financial sector and by Attorneys General of the states whose usury laws they are violating. 

Furthermore, I have observed that there happen to be multiple corporations run out of the same office by the same people, lending to the same customers with different names such as XXXX XXXX, whose mailing address is almost the same ( a few P.O. boxes away ), whose customer service agents get confused about what company they are representing on the phone, and whose marketing emails are identical and are sent simultaneously. Their customer service agents deny being one and the same corporation, but all the evidence says otherwise. These two in particular, XXXX and XXXX, have divided into two corporations in order to fraudulently issue twice as many loans ( to the same customers who can not repay either one ) and in order to fraudulently receive twice the investments from the outside investors using them for their sovereign immunity to violate state usury laws with impunity.
Consumer complaint received 2019-05-14
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. (CO)

Equifax and XXXX are reporting incorrectly that I am 120 days past due on the XXXX/XXXX account. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 4 and 5 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2018-01-24
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (GA)

On XX/XX/2018 I went to use my lowes credit card that was issued through XXXX XXXX and it declined. My credit limit was increased to XXXX roughly 3 months ago. Called lowes and were told that my limit had been dropped to XXXX. How so, I pay on time every month and have never missed a payment. Ive been a loyal customer. Never even received a letter about the decrease. If my balances are too high well that was the case when I got the increase. Racially profiled me is what they have done.
Consumer complaint received 2022-10-04
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.