davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-09
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (FL)

My. Children buy me gift cards. I was save to buy an XXXX. When I went to XXXX, three of the gift cards were empty. All of them visa gift cards. The XXXX was no problem. After being embarrassed, when I returned home, I called the number on the cards. To say they were less than helpful would be an exaggeration. They expressed no interest in assisting me. One of the gift cards had been used in California. I live in Florida. So I went in line, did evthst was asked if me, submitted. The first email asks for copies front and back of cards. Another two weeks. Then they said they can7help unless I give them a copy of the receipt. Once again, I tell them it was a gift. One was {$100.00}, one was {$50.00} and the last one was {$100.00}. Something has to be done about this. I have written to XXXX not interested. Enter business bureau, no response. Can you please help?
Consumer complaint received 2021-10-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (NJ)

I would like to report a possible violation of the Fair Credit Billing Act by Discover Bank, with respect to its recent reporting of my account being 30-days past due, despite the fact that the balance, previously XXXX, accrued a balance on the basis of transactions ( and associated fees ) that have now been determined to be fraudulent. 

Subsequent to the identification of this unauthorized activity on XX/XX/2021, the charges and fees have been appropriately credited back to me, leaving the balance again at XXXX ( in the absence of any payments by me over this time ). Therefore, obviously the account would never have been late, if not for the fraudulent use of the card. I have voiced my concerns on this reporting matter several times to Discover specialists, both on XX/XX/2021 and on XX/XX/2021. I have been assured the credit report entry will be correctly re-entered, but as this has not occurred yet, I am concerned as to whether this situation will need to be escalated to achieve the outcome I was promised. 

I see no evidence from my recent review of my credit report, or in discussions with the Company, that this data has been corrected as of yet. The original reporting of this lateness has had a catastrophic impact on my credit score, causing it to immediately crash by 96 points. In these challenging economic times, it can not be overstated the potential impact of this outcome to my finances. As it is based on an inaccuracy, it needs to be corrected immediately by Discover.
Consumer complaint received 2019-12-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION (CA)

Shortly after opening my account with M & T bank and funding the account they suspended my bank to bank transfer ability. Over the course of 7+ phone calls with three departments spanning more than a month, they continually told me that my account would be suspended 'by the end of today ' or 'by close of business tomorrow ' and they continued to not make good on this promise. Then after 4 weeks, last week ( the week of XX/XX/XXXX ) my bank to bank transfer was suspended and I was able to transfer money in. Right as I tried to transfer money out they refroze my account and are continuing to tell me 'it will be resolved by the end of the week '. They are refusing to let me transfer out thousands of dollars and won't even let me close the account. Their actions have created a large financial strain for me and they have continued to not make good on their promises to unsuspend my account, while letting my transfer funds in and refusing to let any funds be transferred out.
Consumer complaint received 2021-03-11
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. (GA)

I have a late payment on XXXXXXXX XXXX. It's not being removed. I had it on automatic payments and I still got a late payment. I have great credit. This should not be there.
Consumer complaint received 2022-08-25
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: ALLY FINANCIAL INC. (GA)

Ally bank refuses to transfer my money from the Ally savings account to my checking account. Even though, the checking account has been properly linked, their website does not allow me to initiate the transfer. Ally Bank refuses to service their customers with outrages wait times that nobody can afford. 
Ally Bank advertised to be easy to use, and available 24/7. This is false statement. They take money and then abuse their customer with hourlong wait times.
Consumer complaint received 2017-10-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bay Area Receivables, Inc (DE)

XX/XX/17 and XX/XX/2017 contact was made with XXXX at Bay Area Receivables regarding incorrect information that was reported to all three credit bureaus regarding a debit I do not own nor is even affiliated with my name. I spoke with XXXX at Bay Area Receivables and requested a letter to provide to XXXX to document information on my credit report filled by Bay Area Receivables is incorrect and that I am not affiliated with the account nor name that was submitted to all three credit reports by Bay Area Receivables. Sue, in the special sevice department at XXXX stated I needed the letter along with the dispute to have the information removed. I was told, per XXXX, that " XXXX '' the owner of Bay Area Receivables would not provide me with a letter nor would she. Bay Area Receivables reported a debit to all three credit bureaus that show an alias name on my credit report along with a debit owed by another individual. I was told by XXXX I needed a letter from Bay Area Receivables to file my dispute for the alias name that does n't belong to me along with the debit not belonging to me. I have also contacted the original creditor and told by " XXXX '' collections department at XXXX XXXX XXXX that I could not receive a letter regarding the fact that I do not owe money and am no affiliated with this alias on my credit report.
Consumer complaint received 2022-11-09
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Capio Partners, LLC (LA)

I have been requesting this company provide me with validation of this alleged debt for clarification but I have not yet gotten any information as yet. I want to know what information your company obtained to see if it's legit. I never authorized anyone to share my information especially when it's regarding my medical information so please send me validation and send by attaching them to your response. please note that I don't a verification but a validation containing the information listed in the letter
Consumer complaint received 2021-10-30
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Paypal Holdings, Inc (TX)

Today, XX/XX/2021, I received a debt collection letter from XXXX XXXX XXXX XXXX. They say tgat PayPal Inc sent my account to collections and I owed {$860.00}. I was supposed to contact them within 30 days. Also, that PayPal was willing to accept partial payment of {$650.00}, paid to XXXX. Once this is paid, if I wanted to use PayPal again, I would have to pay the remaining balance. A few years back I used PayPal to make a purchase, but because I never used it I recently closed the account. I did not owe money because the PayPal account was attached to my bank account. I looked up this company 's address and it comes up as XXXX, NY, not XXXX as on the letter and it is a small little office. There are a ton of reviews attached to the XXXX search warning people not to pay, it was a scam. It is the weekend so I have not been able to call yet.
Consumer complaint received 2022-11-09
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (MD)

XXXX ) I did set up Automatic Payments to cover the full balance every month. I did it with this credit card the same way Ido it with every credit card as soon as I open the account. I do the same with every utility bill or any loan. 

XXXX ) The Credit Card Company never sent me a statement indicating me there was a pending balance. 

XXXX ) I willingly used this credit card only when I requested it because of a promotion on XXXX. I paid for that purchase. I have another credit card set as the primary payment card to make purchases. 

XXXX ) Synchrony claims that I used this credit card and became delinquent for {$6.00} in XX/XX/XXXX, and {$7.00} in XX/XX/XXXX. I never authorized those purchases. They claim I did not pay those statements and they reported me to the credit bureaus, as a result, my credit score decreased by over 100 points. 

XXXX ) I have never been delinquent on anything. 

XXXX ) I called Synchrony to complain about the use of this credit card and to request the documents proving I had an automatic payment set up on my account. they refused to do it. I paid those charges and I closed the account as soon as I found out about this issue in XX/XX/XXXX. 

XXXX ) Synchrony is refusing to remove the delinquency they placed on my account.
Consumer complaint received 2019-12-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: ECMC GROUP, INC. (MN)

ECMC continues to send me emails about a student loan account I do not have. I have called numerous times and sent emails letting them know I am not the intended recipient of the emails and that I do not know who they are ; me and my father share the same name and neither of us have student loans. The social security number ECMC has is not mine. The address on file also is not mine. When I spoke with the telephone representative on XX/XX/XXXX they understood that I was not the person they were looking for and I asked that they kindly remove me from email notifications. I have no records on my personal credit report of ECMC. I have received nothing in the mail from them. I simply wish that they stop contacting me regarding a loan that I do not have.
Consumer complaint received 2021-02-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (FL)

Coinbase and Coinbase pro have either lost my money due to a hack or a system error, or they have a glitch and made it so I can not get back into my account, It's been 6-7 weeks since I have been able to get into my account and I first messaged them about the problem. I received a couple of auto generated " your ticket has been received '' msg and then the generic " we have a high volume so it may take a while to get back to you ''. I sent another msg a few weeks later and got a reply saying they would get back to me in 5-7 days. That did not happen. I sent another email saying they never got back to me and have heard nothing back in weeks. I have {$70000.00} in their system that I can not trade to make money, move to save money, or withdraw if I need to use it. I read on the internet that in XX/XX/XXXX/XX/XX/XXXX that 140ish people filed a complaint with the sec and there was/is a lawsuit for these exact reasons. As of XX/XX/XXXX I have opened a XXXX account to try and get help on there. Still just computer generated replies from Coinbase support.
Consumer complaint received 2018-01-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Senex Services Corp. (NJ)

During the time of XXXX XXXX 2013, Senex Service open a file for XXXX XXXX Medical Center. My complaint is due to the fact that I was XXXX I never received any notice to collect any debts.
Consumer complaint received 2016-12-23
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: WELLS FARGO & COMPANY (NJ)

Representatives of plaintiff has not disclosed actual amounts owed which has not been on previous statements. It lists general number. It does not included homeowner 's insurance that was bought by plaintiff and is added to total debt. Defendant or owner has own insurance which plaintiff 's representatives did not take out. New totals should be recalculated. Also, bank refused to give loan modification and lost all information during such. Multiple copies have been sent and also lost by Wells Fargo.
Consumer complaint received 2022-11-09
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 — Investigation took more than 30 days
Company: ALLY FINANCIAL INC. (PA)

XXXX has failed to remove this unfamiliar account from my report. I contacted XXXX and Ally Financial multiple times and ask them to send me the original document that I agreed to do business with this company ALLY Financial. Attached is the responds I keep getting in return from XXXX. They are just responding the account is verified but is not letting me know how the account was verified with no proof breaking my consumer law. After contacting XXXX and XXXX they understood and deleted this strange account. However, XXXX has yet to comply. Please delete Ally Finanical from my XXXX report Account number XXXX
Consumer complaint received 2019-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AK)

Equifax; XXXX  and XXXX  are reporting duplicate entries for a collection/charge-off in the amount of $XXXX   on the the XXXX XXXX – partial account number ****XXXX.  (Please see pages 6, 9 and 10 of the attached credit report.)  The duplicate entry of this account is seriously harming my credit score.  It is a violation of the Fair Credit Reporting Act to report in error duplicate entries on the same account.  Please remove this line item from my credit report.  I have contacted the (3) bureaus to remove this item however, I have not been successful.
Consumer complaint received 2021-10-30
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: Carter-Young, Inc. (GA)

Dear Sir or Madam : PLEASE ADD MY # Telephone : ( XXXX ) XXXX TO MY CREDIT FILE THANKS!!! 

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX  XXXX  XXXX, GA XXXX-XXXX  2. XXXX/XXXX  Account Number : XXXX Please remove it from my credit report.

3. XXXX  Account Number : XXXX  Please remove it from my credit report.

4. XXXX  Account Number : XXXX  Please remove it from my credit report.

5. XXXX/XXXX  Account Number : XXXX  Please remove it from my credit report.

6. XXXX/XXXX  Account Number : XXXX  Please remove it from my credit report.

7. XXXX  XXXX Account Number : XXXX  Please remove it from my credit report.

8. XXXX  RC Account Number : XXXX Please remove it from my credit report.

9. CARTER-YOUNG INC Account Number : XXXX  Please remove it from my credit report.

10. CARTER-YOUNG INC Account Number : XXXX Please remove it from my credit report.

11. CARTER-YOUNG INC Account Number : XXXX  Please remove this inaccurate information from my credit report.

12. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX  XXXX XXXX, GA XXXX-XXXX  13. The following personal information is incorrect Account Number : CURRENT ADDRESS :XX/XX/XXXX 14. The following personal information is incorrect Account Number : EMPLOYER : XXXX  XXXX XXXX  15. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX 16. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX 17. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX  XXXX  XXXX, GA XXXX-XXXX  18. XXXX/XXXX  XXXX  Account Number : XXXX  Please remove it from my credit report.
Consumer complaint received 2021-10-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BC SERVICES, INC. (CO)

Upon requesting debt validation for two different accounts BC Service has reported through XXXX, they responded with detailed medical records without providing release forms, a DIRECT violation of HIPPA regulations. Not only did these documents contain procedures and/or medication recieved it also contained my social security number with NO security measures. I NEVER signs a HIPPA forms authorizing access to any such medical records.
Consumer complaint received 2022-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services (PA)

I was denied approval for a rental agreement because of miss-information present on my XXXX credit report regarding all my student loans with EdFinancial. 

It is stating " Payment Deferred, Collateral : Deferred to XXXX '', showing on 8 different Student Loans managed through EdFinancial " Opening Dates : Balance '' : XX/XX/XXXX : {$5500.00} XX/XX/XXXX : {$5500.00} XX/XX/XXXX : {$4500.00} XX/XX/XXXX : {$4000.00} XX/XX/XXXX : {$3500.00} XX/XX/XXXX : {$2000.00} XX/XX/XXXX : {$2000.00} XX/XX/XXXX : {$2000.00}
Consumer complaint received 2023-01-11
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. (TX)

XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-10-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (IL)

Chime closed my bank account and I had money in the account. I tried calling customer service and could not speak to a live representative. I was instructed to email to get assistance. I would like Chime to send my money that's due to me as soon as possible. They can mail a check with my remaining balance. Thanks you for your help.
Consumer complaint received 2022-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (FL)

I've made 8 attempts over a 2-month period to get my Equifax Credit Report XXXX 
I've been on hold Many times, only to be told that my " issue will elevated. '' Every time I attempt to log in, I am prompted with a pop-up message telling me to call the toll-free number. 
Every time I call back, Equifax " elevates my issue ''. After my issue is elevated, I am sent an email response ( about a day later ) from XXXX, stating my " Issue has been resolved. Please log in. '' I am still UNABLE to log in and view my Credit Report! 
Every time I call customer service, I am told the exact same things over & over again : " Have you tried logging in WITHOUT using a VPN?/ Have you tried logging in through XXXX?/ Have you tried logging in through XXXX?/ Have you tried Re-Setting you password?/ Have you tried logging in through your Desktop?/ Have you tried logging in through your phone?/ Try a different Email ... '' I've hit a BRICK WALL with EQUIFAX. There is NOBODY else to speak with and NO EMAIL ADDRESS to voice my Concern/Complaint.
Consumer complaint received 2016-08-24
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO. (NY)

Chase added an authorized user to my credit card account by the name of " XXXX XXXX ''. The authorized user was added out of XXXX. The credit card was to be shipped to XXXX without my consent. Chase failed to contact me to confirm this was accurate and successfully added this user that i do not know.
Consumer complaint received 2022-11-09
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: AXOS FINANCIAL, INC. (KS)

Axos bank put 2 inquiries on my XXXX credit report that I didnt authorize. Both inquires occurred on XXXX. They hard checked my report for a service that was supposed to soft check as stated by their website. I have gotten in contact with axos bank support team several times and nothing has been resolved. I emailed first on XXXX and explained unauthorized inquiries. A second email was sent XXXX to attempt to reach out to them and nothing still has been resolved.