davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (NV)

1. Received ad from Citibank in XXXX to deposit {$15000.00} and get a {$500.00} Bonus after X months and subsequent time. It should have been deposited by XXXX at latest. 
2. XXXX opened the account at the XXXX  Branch of Citibank,XXXX  XXXX XXXX XXXX, XXXX , NV XXXX tele XXXX XXXX but don't bother calling as you can not get through ... you will spend your time going through prompts only to be switched to national customer service, which immediately says " We have problems with this system ... '' or something to that effect and hangs up on you. 
3. After opening, we began to get letters from Citi stating my wife needed a W-9 and W-8. After checking with our accountant, he determined although my wife is XXXX she has been a XXXX XXXX for over 20 years and a tax payer and need not submit a W-8 and instructed us how to complete the W-9. We did and sent it in. 
4. A few weeks later we got another letter from Citibank stating that document had issues ( not being clear on what those issues were I tried to get answers via phone ... that was hours wasted, but each time I called they ended it with " Just send in the form or go to the nearest branch and you'll get your {$500.00} bonus ''. Great ... .I can't go to a branch as i have severe respiratory issues and can't risk Covid. We sent a new w-9.

5. Got another refusal of her W.9. Then shortly an email saying that we hadn't given them the info in a timely manner during the course of the bonus so it's not going to happen.

6. As we'd done everything we could do and Citi was at fault as they couldn't give clear direction on what the issues were, we finally had my wife go to the branch but only after I sent a letter to the manager XXXX XXXX ( I may not have that right but close ). 
7. We also sent another W-9 in to the Citi IT branch as instructed. 
8. Although we had sent in yet a new W-9 it was returned as being " Altered ''.!! How? I took it from the web and filled it out. There could be no alteration. I was feeling a bit lied to and seemed maybe we were part of a Citibank program to raise money but not follow through on their end. 
9. XXXX XXXX although he was able to clarify the papers, has only depositied a $ XXXX not {$500.00} bonus. Since then I've sent him 2 letters which he's ignored or has not gotten to him. 
10. We simply want the other {$100.00} we are due. Yet with their customer service and now being ignored by a manager, we're unable to do anything. Please help us. Thanks. It's not big money but it's the principle and they owe us.
Consumer complaint received 2021-04-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (PA)

Coinbase App allowed me to go in and buy XXXX  currency like XXXX. I purchased assets over time and accumulated over {$5000.00} in assets. When I finally wanted to take the money out of the app as soon as I converted the assets to USD/Cash I was immediately locked out of my account. 

Coinbase the company has no phone number and of all the XXXX 's of emails I have sent I do not get a response or any help in resolving this problem. 

I need to get this money back for my son and my family. 

The more I read about this company the more I can see this is a common problem and lot of other people have the same problem. 

No response from Coinbase because they are stealing my money.
Consumer complaint received 2022-07-29
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. (NV)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2022-06-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Colony Brands, Inc. (AL)

Got a bill from Montgomery ward saying I owed them XXXX account number XXXX I did not buy anything from them but they keep sending me bills and now have sent me to a collections company I never ordered anything from them they have never called me for anything just keep getting letters in the mail I've called them about the they said report identity fraud so that's what I'm doing
Consumer complaint received 2019-10-11
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. (TX)

I HAVE CONTACTED YOUR COMPANY AND INFORMED YOU THAT THE FOLLOWING ACCOUNTS DO NOT BELONG TO ME YET YOU STILL CLAIM THAT THEY ARE VERIFIED. MY QUESTION IS HOW CAN A FRAUDULENT ACCOUNT BE VERIFIED. I KNOW FOR SURE THERE IS NO LEGAL BINDING DOCUMENT BECAUSE I HAVE NEVER HAD ANY BUSINESS WITH THESE COMPANIES. ONCE AGAIN I AM A VICTIM OF IDENTITY THEFT AND I REQUEST THAT THESE ACCOUNTS BE DELETED. If for some reason, you choose not to investigate, or send me another letter stating that you have already verified the account, I will do the following : ( 1 ). File a complaint with the Attorney Generals Office. 

( 2 ). Explore all legal options on this matter. 

I dont want it to come to this. Please delete the following accounts. 

XXXX XXXX IN THE AMOUNT OF {$1300.00} XXXX IN THE AMOUNT OF {$1800.00} XXXX IN THE AMOUNT OF {$2800.00} XXXX XXXX  IN THE AMOUNT OF {$420.00} XXXX XXXX IN THE AMOUNT OF {$730.00}
Consumer complaint received 2022-07-29
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: Experian Information Solutions Inc. (NY)

On XX/XX/2022 I sent a letter to XXXX and Experian and never received a letter back. Its been more than 30 days.
Consumer complaint received 2021-04-07
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: OPTUM BANK, INC. (CO)

On XX/XX/XXXX my XXXX  hit me with some significant extra charges at the point of service, so I paid them out of pocket because upon calling my XXXX and verifying myself over the phone, I was informed that they would not help over the phone. This set off a chain of events over two weeks, multiple attempts to access my account, and it's become clear that Optum Bank XXXX uses layers of rigid corporate policies to discourage customers from using their funds. 

I have called them XXXX times in the two weeks since and despite every time, verifying my ( 1 ) social, ( 2 ) DOB, ( 3 ) address, ( 4 ) dependents, ( 5 ) phone number and ( 6 ) employer they REFUSE to update my mailing address, send me a new debit card, mail the reimbursement request form, or even provide my XXXX account number. All of these refusals were because I could not also verify any activity on an account that has had no activity due to not being able to access my funds in this account, and despite correctly verifying the other six ( 6 ) above listed fields. 

This is clearly a company going out of its way to not help customers and keep their funds rather than making them available for the intended use of an XXXX. More frustratingly, I can't do anything about this. I can't go to another XXXX because we don't have a choice in the matter. So I guess my funds will just sit forever with Optum instead of helping me access healthcare, which is obviously the ideal outcome for Optum.
Consumer complaint received 2021-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS (NJ)

XXXX of XXXX XXXX dint handle properly the moratorium that i was inform, on loan # XXXX Never honored. instead they did collections calls at XXXX am demanding balance to be paid, informing that they going to inspect the property. 
We went and put account up to date, never in 9 years were late till the pandemic We dint know what to do .. This loan is a 7 % high interest. Is killing our savings, Recently we went to refinance loan and was denied because late remarks XXXX XXXX  days late with this bank. 
XXXX of XXXX XXXX was sold to XXXX Bank XXXX XXXX XXXX therefore we end with two late reports from same loan account. Credit cards CUT ME OFF to a {$500.00} limit, reason that my score went down XXXX points. My savings are in this bank and is more than this note. DO we deserve this? We are corner to keep paying this high interest loan with no bank want to do business with us because these facts,. ( late mortgage payments XXXX and XXXX  days from 2 diff banks and a XXXX score )
Consumer complaint received 2018-04-14
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. (TX)

I've recently checked my credit report for the first time ( in a while ), I have noticed an Inquiries section towards the bottom of the report. This is having an impact on my credit. 
These companies and or individuals made hard inquiries on my credit report that were not authorized by me. They have affect my credit score negatively. 
I checked my personal credit report, which I acquired from XXXX, XXXX and Equifax and I noticed an unauthorized inquiry had been made. 
I contacted XXXX XXXX, XXXX XXXX, EQUIFAX 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 who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into all listed companies inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 
Thank you for your assistance in this matter.
Consumer complaint received 2022-06-25
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. (IL)

Very dis harden and meet with severe disappointment, Ive wrote the credit bureaus well over 45 days ago asking that they take great looks into my credit profile I have several inaccuracies and fell that me bruh a woman in America I am being taking advantage of, I understand we are at a climate in America where the rights of women are being taking away by them in a blink of a eye. I ask that you come to the aid of a American tax paying citizen. Not only am I righteous I am right, I need Help in assistances I am boring taking advantage of
Consumer complaint received 2022-06-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Very dis harden and meet with severe disappointment, Ive wrote the credit bureaus well over 45 days ago asking that they take great looks into my credit profile I have several inaccuracies and fell that me bruh a woman in America I am being taking advantage of, I understand we are at a climate in America where the rights of women are being taking away by them in a blink of a eye. I ask that you come to the aid of a American tax paying citizen. Not only am I righteous I am right, I need Help in assistances I am boring taking advantage of
Consumer complaint received 2022-02-02
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ALLY FINANCIAL INC. (TX)

On XX/XX/2022 at XXXX, Ally Financial contacted an outside party. The outside party is a coworker of mine. The outside party was asked about my account twice even though the purpose of the call was to discuss their personal account. XXXX XXXX verified my coworkers social security number and phone number, and still proceeded to discuss the amount owed and my account with this person. This is a violation of 15 usc 1692b and 15 usc 1692c ( b ). This call was recorded. 

I understand that Ally, Ally Financial, Ally Bank are all registered under different business registration numbers. All being a different business possessing their own name. 
( the term includes any creditor who, in the process of collecting his own debts, uses any name other than his own which would indicate that a third person is collecting or attempting to collect such debts. )
Consumer complaint received 2021-04-07
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)

There are over 6 accounts on my credit that do not belong to me I have disputed these items with the bureaus and I have not gotten any response back I want this taken care of since it is not my fault but is affecting me 100 % Account Name : A - XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX INQUIRIES Creditor Name : XXXX XXXX Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : A - XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX NA Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : A - XXXX XXXX XXXX Inquiry Date : XXXX  XXXX, XXXX Reason : I don't recognize this inquiry Creditor Name : A - XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry
Consumer complaint received 2021-04-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal closed my account for no reason and will not help me with getting it back up and going. 
The reason PayPal claimed is that in a transaction I ( the seller ID @XX/XX/XXXX ) had with another user ( the buyer ), was not authorized by the buyer ( he was hacked according to PayPal XXXX, then the fund I received was put on hold and then released to the buyer. 
The transaction was for a Bitcoin sale ( two transactions, BTC XXXX and BTC XXXX correspondingly, around USDXXXX value ) through a P2P trade utilizing the exchange called XXXX, all the evidences of the legitimacy of the transaction was delivered to PayPal . 
PayPal gave me no proof that the buyer 's account was in fact hacked. Even if the hacking was true, I am fully innocent in this case and I lost my fund, I delivered proofs that my transaction was legitimate, and even though PayPal have taken my cash balance received in PayPal account. 
PayPal said this is the final judge about this case, but I searched and found that I could file a report on here as I feel they are far from doing their job in a fair manner, properly and it is effecting me a great deal as I used PayPal quite frequently and I depend on my funds. My email linked to my PayPal is XXXX and PayPal account is @ XX/XX/XXXX.
Consumer complaint received 2021-04-07
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. (FL)

I would like to complain about unknown accounts in my profile. I am victim of identity theft and someone just used my personal information and filed this accounts. This is inaccurate information that does not belong to me. I am not related to any of these accounts at all. Therefore I am asking you to remove it and to do it as soon as possible. 

Thank you )
Consumer complaint received 2021-04-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Coinbase, Inc. (MA)

Hello Im reaching out and need your help with Coinbase. They are literally stealing money from people. Let me share an example of what happens to me which most likely is impacting other. 

I attempted to transfer funds into my XXXX wallet at Coinbase on XX/XX/2021. However I erroneously transferred the funds into a XXXX cash wallet instead. I attempted for a full month to get a hold of someone at coin base to help me reverse the transaction. The only option was to submit a ticket online. After not hearing from anyone I reach out to the executive members via linked in. I finally received a response via email. 

The response was too bad theres nothing they can do and the funds are now loss. I was able to speak with the initial sender who share that they can see the funds sittting in block chain however since the funds are already sent theres nothing they can do. Coinbase does have the authority and capabilities to reverse the transaction. It was {$3500.00} dollars that they are claiming I should forget about and move on and making a decision to not help. Thats a significant amount 2x the amount of current stimulus. This error is a common error that happens frequently however coin base is profiting from this by stealing people money when it happens. Regulations need to be put in place to monitor these digital currency and companies like coin base. I refuse to lose {$3500.00} over something that can be resolved.
Consumer complaint received 2022-06-25
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: Experian Information Solutions Inc. (SC)

I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify these accounts I disputed. Being that they have gone past the XXXXday mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to promptly delete all information which can not be verified, that I have disputed. Please resolve this matter as soon as possible. Thank You.
Consumer complaint received 2020-01-30
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. (PA)

After viewing my credit reports I noticed accounts on my reports that were fraudulent under a bankruptcy. I filed an identity theft report with the Federal Trade Commission about these accounts. XXXX, Equifax and XXXX  removed the fraudulent accounts under this bankruptcy, but left the Bankruptcy on my reports with no accounts attached or any other verifiable information. I have sent several dispute letters to each credit bureau demanding the removal of the unverified and inaccurate information on my credit reports. The bankruptcy is reporting an account number and bankruptcy court information on all 3 credit bureaus. They have failed to verify that this bankruptcy belongs to me. They have failed to contact the Original source of the information which is the Bankruptcy Court. I contacted the Bankruptcy Court and was told they do not give any personal information to any third party source. I also asked them about the account number reported on my credit report and was told they can't tell me who's name it is because of confidentiality even though it's public record. They took my Driver 's license and said that it wasn't my name under that account number. I explained this to a representative at XXXX. I asked the above credit bureaus to verify my name and full social security number for the bankruptcy and they failed to do that. XXXX sent me a letter asking for my drivers license and social security card, I submitted the information to them.
Consumer complaint received 2022-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2022-06-25
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: Experian Information Solutions Inc. (PA)

When I investigated my credit report, I realized that some of the information was erroneous. The Credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the following unverifiable accounts : XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, XXXX XXXX Balance : {$360.00}, XXXX XXXX Balance : {$0.00}, XXXX  XXXX Balance : {$0.00}, XXXX  XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$850.00}, XXXX XXXX Balance : {$0.00}