davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-21
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: CITIBANK, N.A. (FL)

In accordance with the fair credit reporting act XXXX Account XXXXCitibank NA , has violated my rights.

15 USC 1681 Section 604 State i have the right to privacy.

15 USC 1681 Section 604 Section 2 : It also States a consumer reporting agency can not furnish an account without my writing instruction.

15 USC 1666 : A creditor may no treat a payment on a credit account under an open end consumer plan as late for any purpose.
Consumer complaint received 2022-05-21
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: WELLS FARGO & COMPANY (TX)

The creditor WELLS FARGO clearly stated that the potentially negative reporting account on my credit report was to be removed. This account is continued to be reported to my credit report. This account is also reporting inaccurate information. The credit bureaus have been taking over 30 days to investigate this. This violates my rights as a consumer in accordance with the Fair Credit Reporting Act. This continued negligent reporting has been harming my livelihood as a consumer.
Consumer complaint received 2022-08-24
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: Experian Information Solutions Inc. (NC)

I went to the bank to get a business capital loan from XXXX XXXX XXXX  and i was denied a XXXX loan because of fraudualent information on my report dropped my score down dramatically I filed an FTC REPORT which is attached to this complaint. I NEED THIS REMOVED ASAP. When I called into XXXX and i spoke to the fraud dept, with an agent name XXXX at XXXX pm XX/XX/XXXX Who refused to help me. when i asked to speak to a supervisor he denied me and said that they will only tell me the samething. I then asked to speak to the supervisor again. He put me on hold for over 20 minutes and hung up the phone i never spoke to the supervisor. I am disputing this fraudualent infomation with all Credit reporting agencies XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : 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 2022-02-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (CT)

I checked my account yesterday and it was active and online. Today, we closed on the sale of several properties. Wires were scheduled to go into the account. I checked the account just now for the wire transfers and instead, CHASE CLOSED my account automatically last night - WITHOUT any notice! I called and spent close to FOUR hours on the phone ; mostly on hold, then passed around, then more hold. Finally, after escalating the call, I was told the computer automatically closed my account due to inactivity and they could not re-open it. They stated it was impossible. I asked to speak to a supervisor and was told he does NOT take calls! He can schedule a call back but they can not schedule a call... .he will just call any time at his convenience. I was told I could drive to a branch with no guarantees. I wanted the supervisor to call the branch to see if the account can be correct6ed BBEFORE I take the afternoon off of work!!! And drive over an hour to my branch ( in the midst of COVID ). Anything done inside a branch should be able to be done without contact!!! The supervisor should be willing to call the branch and request them to re-open the account. I used tow phones all day to get help and ZERO. One phone still has close to 2 HOURS of wait time and STILL on HOLD. Wires are NOW being sent to WHERE... they are already in transit!!!! I want this account re-opened immediately. I have been a customer for over 30 years ....
Consumer complaint received 2021-12-28
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. (FL)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am and not say that someone else is filing this complaint on behalf of me. And so you also will not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.
Consumer complaint received 2022-08-24
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCF Intermediate Holdings LLC (CO)

XXXX XXXX XXXX  XXXX account # XXXX, originally a XXXX XXXX  account is not mine. Per 15 U.S.C sec. 1681i ( a ) the laws states that a thorough investigation must be conducted providing accurate proof that this account or debt belongs to me and all information including signature must be accurate otherwise this MUST BE DELETED TO AVOID FUTHER DAMAGE TO MY PERSONAL CREDIT AND NAMESAKE! This account is illegitimate and was NOT my doing. Also it is someone else signatures.
Consumer complaint received 2022-09-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Westcreek Financial (OR)

Someone took out a loan from Koalafi for tires and received the product in my name through identity theft. I contacted them and was told they would report it to their fraud department and took my information. The person hacked in to my XXXX XXXX bank account and had the company take out an installment payment. I reported it to my bank and I closed my account and bank returned the money to me. I got an email today from Kolafi that it is going to collections when I had notified them of that being a fraudulent account.
Consumer complaint received 2022-08-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (MI)

This is for coinbase.com My account is under the email XXXX I sold my bitcoin virtual currency for {$770.00}. It now reflects in the USD balance but now I am unable to withdraw it to my bank account. Coinbase support is utterly useless. Please help me get my money back. I have paid a lot in fee to cash out.
Consumer complaint received 2022-05-21
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. (GA)

In accordance with the Fair Credit Reporting act, the following account has violated my rights. 

Account Name Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Consumer complaint received 2022-02-04
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. (OH)

I have tried to contact these companies and advise they have the wrong person, and nothing happens. 
Below are a list of these companies, this error is keeping me from buying a home. 

1 ) XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$1400.00} 2 ) XXXX XXXX  Opened XX/XX/XXXX Balance {$590.00} 3 ) XXXX Opened XX/XX/XXXX Amount {$2100.00} 4 ) XXXX XXXX XXXX  Opened XX/XX/XXXX Amount {$1400.00} 5 ) XXXX XXXX XXXX  XX/XX/XXXX Amount {$550.00} 6 ) XXXX XXXX {$1400.00} XX/XX/XXXX
Consumer complaint received 2022-04-18
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: SYNCHRONY FINANCIAL (NC)

On XX/XX/2022 i paid Synchrony bank collections a settlement in the amount of {$860.00} so satisfy my loan for a sleep number bed and close the account. Per bank statement the balance was removed 0n or about XX/XX/2022. on XX/XX/2022 I spoke again with the bank in reference to why they where still reporting a negative balance and they responded they do not have a settlement for this account. On XX/XX/2022 i again called Synchrony bank to attempt to resolve this issue, but they again are un willing to assist and bounce between recovery and customer service.
Consumer complaint received 2022-02-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (IL)

I have a cryptocurrency wallet with Coinbase ( Coinbase Wallet ). On XX/XX/2021, I've been scammed out of ~ {$11000.00} USD. Coinbase has a security weakness that the company is aware of, but has not done anything even to this day of writing. Through my attempts to recover my funds, I've found/connected with hundreds of victims who got scammed through Coinbase Wallet , with exact same methods. These hundreds of victims represent only a small number of victims that are willing to do something about it. I know with certainty that for every one of us that is doing something, there are tens of victims who are choosing to stay quiet due to shame and self-blame. Doing a quick math, there are thousands of victims who've been affected in the same matter. Even if you do a quick search online, there are many credible reports of staggering amounts of scammed money is in Billions ( USD ), which Coinbase, in a way, is choosing to help, by not doing anything about this known flaw. Coinbase has failed to protect my funds, which were stolen. Coinbase wallet product has security flaws that has allowed this to happen, and again, they are aware of the flaw, yet they blame the users/clients, shifting all the responsibility to the victims, when they fall to this known scam, using the DAPP ( decentralised application ) on Coinbase Wallet 's program. I understand that user/victims have some responsibility, but if the company is aware of such great/dangerous risks, they shouldn't have such ability accessible to laymen, which I'm sure 99 % of Coinbase 's users are composed of. As I've described in a extreme example, you can't hand a gun to a child, then blame the child for shooting himself. Less extreme example, you can't give access to a car to a child, then solely blame the child for letting him get into a HUGE accident. If you'd like any further details, you can feel free to reach out to me. Thank you.
Consumer complaint received 2022-02-04
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: EQUIFAX, INC. (TX)

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. The item listed should be blocked, removed and suppressed for this is fraudulent and inaccurate. Fraudulent Account : XXXX XXXX XX/XX/2015 {$0.00}.
Consumer complaint received 2022-02-04
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. (VA)

I sent the XXXX credit bureau a XXXX letter to validate the incorrect accounts that is being reported on my credit report. This was on the XXXX of XX/XX/2022 and have yet to receive any response back in regards to the matter. 

the following accounts are XXXX for {$550.00} XXXX for {$5300.00} XXXX XXXX for {$78.00} XXXX {$6600.00} XXXX  {$5300.00} XXXX XXXX
Consumer complaint received 2022-08-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (SC)

on XX/XX/2022 i attempted to withdraw {$200.00} using my chime card from an atm machine. it malfunctioned and did not give me my cash or a receipt. however {$200.00} and XXXX in fees was withdrawn from my account. i called chime and was told it was pending and would be back in my account the next day. when it wasnt i called and was told 3 days. i called today on the XXXX day to be told my dispute was closed in error and he reopened it and it may take up to 45 days! this is unacceptable.
Consumer complaint received 2022-05-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (TX)

I had my Venmo account for over a year now and have had no complaints this far. I felt as if I could trust a deposit of my tax refund to my Venmo account as well. As everyone knows taxes this year has been a waiting game and just on XX/XX/XXXX I received my taxes. I owe back rent from while I was struggling at the end of last year and my landlord was patient enough to wait until I received my taxes for payment. I couldnt figure out how to take a large sum of money out without paying atm fees and my landlord is not tech savvy so he would not be downloading Venmo himself. I opened up a bank account in my name locally and after I was notified it was active I decided to make a transfer of funds into my bank account. On XX/XX/XXXX I initiated a transfer of {$2900.00}. I did a standard transfer because I assume it was safest. I still had a balance of just under {$3000.00} in my Venmo account. I waited a few days and on XX/XX/XXXX I realized something was wrong when I couldnt make a purchase with my Venmo card, I looked into it. The app stated my account was frozen. I checked my email and seen in order to reactivate my account I needed to upload a picture of my DL or ID card. I did so promptly. I even called and spoke with an agent and they assured me they received my ID and it would take a few days for a different team to go over my account and unfreeze it. On XX/XX/XXXX I received a different email stating an account specialist went over my case and stated After reviewing your inquiries and account activity, we have found that your actions and activity have been in violation of this agreement. 

As a result, your account has been permanently deactivated and we regret to inform you that we can no longer offer you the Venmo service. We do not make these decisions lightly, and when we do, it is to help improve the safety of the Venmo community. 

The funds in your account will be held for up to 180 days for loss prevention purposes. We will contact you at the email address on file with your Venmo account should these funds be available for transfer in the future. 

If you have questions regarding this decision, please note that we do not divulge our decision-making criteria in order to protect the systems that monitor activity on Venmo. 

I have been in a loop similar to this with XXXX XXXX card and waited so long to get {$200.00} from them after complaining to the FDIC and XXXX XXXX XXXX. I just received my tax return and for this to happen so quickly after waiting for money on that alone is very frustrating. If I could please get anyone to help me re-activate my Venmo account I would be very grateful.
Consumer complaint received 2022-02-04
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: DISCOVER BANK (SC)

I had an open complaint with Discover for a charge of {$7900.00}. Discover is stating that the merchant validated the charge but I wasn't disputing the charge amount, I was stating that services weren't received for that charge. I uploaded the information that I had from the merchant stating that a refund would be issued, however the Discover stated that they could only refund the charge if I had something from the merchant specifically stating that they would refund the charge on my discover card specifically. I had the same issue with XXXX XXXX because I had to split the total charge between both cards. XXXX XXXX has resolved the Issue with the documentation that they received from me but discover is stating that there isn't anything they can do about it. Today I receive an invoice from discover that is not very legible bate out what I can make out from the invoice is that it isn't generated from the same company that I had conducted business with and the date on the invoice doesn't match the date the transaction was made. It was an entire week later. I submitted the corrected invoice to discover stating that the merchant charged me more than what they submitted to discover but it was just split between two different cards. I also submitted a letter from the account manager which explained that the company would issue a full refund for not providing services. Discover also accidentally sent me another consumers information which let me to think about if my information had been sent to another consumer as well. I am concerned about the security of my information and Discover 's lack of their attention to detail. This company has a lot of sensitive data that they have been careless with. They also failed to do their due diligence when handling my case and refuse to open the case back up because they claim the information I have isn't specific enough. The executive office of Discover also has also stated that there is nothing that can be done for me. I have tried everything to bring this case to a resolution but I do not feel as if my dispute has been taken seriously. You will see in the attached documents that discover forwarded me another consumers dispute information. I am concerned that my information may have also been compromised in the process. All the information I uploaded was enough to bring the case to a resolution with XXXX XXXX, I don't see how discover couldn't do the same.
Consumer complaint received 2022-05-21
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)

I sent a Certified Letter EQUIFAX ( XXXX XXXX XXXX XXXX XXXX ) disputing the accuracy of the Accounts .XXXX  XXXX Acc #  XXXX, XXXX  ACC # XXXX and XXXX XXXX XXXX ACC XXXX and XXXX Acc # XXXX. I sent a request for, method of Verification under the Fcra, section 611 ( a ) ( 6 ) and ( 7 ) after 15 day I never recived anything.
Consumer complaint received 2022-05-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (IN)

CareCredit by Synchrony charged {$1100.00} in retroactive interest on XX/XX/2022. 
I am certain retroactive interest was not part of our agreement and have asked for a copy of the terms and conditions as for some reason it is not available anywhere online not even when logged into my account. The first rep I spoke to on the websites CHAT BOX was XXXX XXXX who appeared not to know what a Terms and Conditions agreement was. She then asked me about something else and I had to correct her that I was only interested in receiving a copy of our agreement and how to do so. She then left the chat. 
The second person on the chat box was XXXX who also appeared not to know anything about contracts or agreements between Synchrony and their card holders. 
I need my copy of the terms and conditions so I can see if they lied to me about when interest starts, vs adding retroactive interest.
Consumer complaint received 2022-05-21
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. (MI)

Hi I just recently applied for an XXXX XXXX XXXX XXXX  card. To my knowledge any line of credit Im accepted for should not be used on my consumer report harming me. I would like all hard inquiries removed especially the most recent two from XXXX credit card services and XXXX XXXX XXXX XXXX XXXX. Those are two accounts that I have open and have never been denied for. 

Also I want any social security number that does not end in XXXX deleted they are not not related to me. 

And lastly I would like any address that is not XXXX XXXX  XXXX XXXX XXXX XXXX, MI XXXX
Consumer complaint received 2022-02-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (MA)

Chase Bank NA has made XXXX 'automatic payment ' requests in less than 35 days, after I repeatedly requested that this automatic payment feature be turned off. XXXX of these requests happened after I spoke over the phone with a chase bank representative who confirmed that the feature had been turned off. The result of these XXXX automatic payment requests in a single 35 day period is that my checking account was over drawn twice. 

At the same time, Chase bank has been charging interest on overdue credit card payments. Because so much of my cash has been tied up in these mortgage 'automatic payment ' errors, I have not been able to pay down the balance on my chase credit card account XXXX. Therefore I would also request a refund of the interest charges on this chase card.
Consumer complaint received 2022-05-21
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint. My request for the correction and removal of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2022, for the said request, I have not received any response up to this date, XX/XX/2022. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting unverified information. Below are the accounts that are still reporting on my account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX