davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (MA)

I applied for a citi AA credit card around XXXX and it was recommended by my friend. Before I applied for it, I called Citi that since the promotion ( XXXX ) is different from what my friend received and I was wondering if I would get the same promotion ( XXXX ). The customer representative told me that they suggest me apply for it first and they would match it up to XXXX. After my application was approved, I tried to match up as what I was told via customer service several times but failed. They told me that the promotion was already finished. However, in the meantime, my another friend which applied for the same card around same time matched up to XXXX successfully. My complain was if citi can not realize the promise of matching up the promotion, then they should not mislead and seduce customer to apply for their credit card since there are so many credit cards on the market. And even if they can not make their promise come true, then they should treat equally to all the customers, rather than giving some customers matching up successfully.
Consumer complaint received 2019-05-10
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)

THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, AFTER REVIEWING MY CREDIT REPORT I REALIZED THAT THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY FILE. I WOULD LIKE FOR YOU TO CONDUCT A RE-INVESTIGATION INTO THOSE DEROGATORY MARKS AND HAVE THEM REMOVED OFF MY CREDIT.
Consumer complaint received 2022-04-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (NE)

On XX/XX/XXXX I fell victim to a scam and lost all of the money in my checking and savings account and made a max cash advance on a credit card. I called Wells Fargo immediately once I realized and the person who picked up claimed that they were filing numerous claims for me for each of the transactions that occurred due to the scam. I received an email saying that only one claim has been addressed and have heard absolutely nothing about the others. The one that they addressed was worth {$35.00} while all of the others combined equal {$2400.00}.
Consumer complaint received 2021-09-27
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (LA)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-04-16
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. (CT)

I have submitted theses accounts that are not mine to each of the credit bureaus. I have not been able to resolve this concern at this point. My information was used without my knowledge to open these accounts. I need this matter resolved as timely as possible.
Consumer complaint received 2022-08-03
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: Experian Information Solutions Inc. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and delete : XXXX XXXXXXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2022-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OK)

I was a victim of I.d . theft and after notifying XXXX it was investigated and supposedly late charges/payments were to be removed from credit reporting immediately and it was not. Please remove all late payments from closed account and immediately report accurately to all credit bureaus and furnishes of credit reporting.
Consumer complaint received 2019-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (VA)

Synchrony Bank Lowes Visa has managed to report my closed account as the responsible party ( myself ) as being deceased. I spoke with the company as well as filed several disputes pertaining to the matter. Lowes reported on XX/XX/2018 that the account holder was deceased as the account was closed through XXXX XXXX XXXX. ( debt settlement ) My wife passed away on XXXX XXXX. She was a secondary on the account and I was the Primary card holder. XXXX has received proof of life and other documents showing I am still alive. XXXX  states the company who reported the incorrect information has to change the report. I spoke with an employee with Synchrony Bank Lowes Visa and that person stated that there was no information sent to XXXX showing I am deceased. Each time I call XXXX, I get a different person and I have to explain where on the report it show my status as being deceased. This has been ongoing since XX/XX/2018, and disputed and reinvestigated 9 plus times. With the Status of responsible party marked as " Deceased '' I have no credit score and I am unable to get any kind of financial support or loan. I would like my life back and I am not sure where to turn to next to get this corrected.
Consumer complaint received 2019-05-10
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (CA)

Ace Cash Express was asking for my online banking information to get direct access to my online banking this is my complaint ( XXXX ) -XXXX this is their direct phone number they say they are in Florida but this phone number is a XXXX XXXX line
Consumer complaint received 2021-09-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SandP Solutions, Inc. (VA)

I am filing a complaint with Bitcoin of America I was scammed out of {$5800.00} XX/XX/2021 I received a phone call saying that they were the US government or US Marshal that they had all of my information they were linking up with the XXXX  XXXX Police Department which already had my case they told me that my social security number was compromised and I was going to be arrested or had a warrant out for my arrest they told me I needed to verify my asset immediately and that they would give me a new social security number and transfer all of my assets to a new Social Security wallet which they then sent a text message with a q r code they had me go and withdraw {$5800.00} ( XXXX $ kept getting rejected ) so they let me keep it : ( from my bank and take it to bitcoin of America ATM ( which they said was a assets verification machine ) in the form of cash that they had me remove from my back leaving XXXX $ in each of my checking accounts to keep them open ) they had me stay on the phone with him the whole time ( 3 hour process ) had me the create an account was created with all of my information they had me scan the fake Social Security wallet which was really a Bitcoin of America wallet underneath the QR code scanner on the Bitcoin ofamerica ATM machine as soon as I did. They had me go back out to my car and send them a picture of the receipt with Bitcoin of America to the same text number... .. they then continue to tell me that two XXXX  XXXX police officers would be at my house and scan the new q r code- and all of the funds that I entered into that Bitcoin ( ADR ) machine would go back into my XXXX XXXX XXXX account XXXX I have tried to reach my bank but because I pulled the cash out myself, ( via threat ) they're unwilling to help me I have not heard anything back from Bitcoin of America I have filed reports with the police department the Federal Trade Commission for economic crimes unit FBI and numerous other sites like XXXX XXXX ... .without any help tracking down the scammer or returning the funds .... I cant be the only one they did this too. They were very malacious and scammed all the money I had to my name i have XXXX XXXX year old and am being told to leave my home by the end of the month can someone please support my case it cant just be a lost cause! : ( when i went to sign back in to bitcoinofamerica.com it says my phone or account does not exist!
Consumer complaint received 2022-08-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is the several times I've complained about being a victim of identity theft. You must remove any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX
Consumer complaint received 2022-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Millco Management (NJ)

For some reason, some time on XXXX, I started to received some letters regarding an alleged account with AMERIFINANCIAL SOLUTION XXXX XXXX XXXX XXXX XXXX XXXX, at that time I really did not know what to do and I forgot about it. Unfortunately, earlier this month, after pulled and reviewing my credit report, I found out that account with AMERIFINANCIAL SOLUTION XXXX XXXX XXXX XXXX XXXX XXXX on my credit report, I have not idea of where this collection account is coming from, in other words, I am not the Debtor of this account. So I am requesting to remove it as soon as possible from my credit file.
Consumer complaint received 2021-09-27
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. (GA)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-09-27
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (CA)

ALLY BANK : Can not access my account ; my on line account blocked while I have all proper credentials. On XX/XX/2021 call bank to give instructions on what to do with my CD account when it matures. The person answering my call ( XXXX ) ask me for my old phone number no longer in service. and I could not recall it. I gave her my current and only cell phone number. She did not accept that and start asking questions beyond the usual ( social security number, age, dog name, mother 's maiden name ). Not satisfied with these, asking me many others which I think answered O.K. I now remembered my old phone number, told her what it was ; She said it is too late. Started asking about the color of a car a XXXX car, I told her I do not own a XXXX car. I got frustrated and said why not go directly on my line account which I have the proper credentials. I login but she blocked my account. I phone again another person answered, she ask me the 4 basic questions, satisfied with my identity, ask me what I want, I told her my account is blocked. She talk to somebody, came back and said I have to wait and a specialist will call me. I ask to speak to a supervisor, he told me I have to wait 2 days and there is nothing he can do. I called again on XX/XX/2021 and again on XX/XX/2021. 
Today XX/XX/2021, still waiting for the so called specialist to call.
Consumer complaint received 2021-07-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (NY)

I lost one of my jobs during co-vid and because of that I wasn't able to pay off my credit card in full. Therefore interest has been collecting. I called many months back and the rep that picked up the phone has promised to waive all my fee 's if I am to pay the card in full, but this isn't something they usually do. 
At the time, I couldn't afford to pay everything in full. I was only working 1 job.

Present day - I'm finally back up on my feet and I have a job that can pay this debt in full. But, I'd like if Chase could waive ALL the interest fee 's. This would really help me get back on my feet, but they told me no. Not only just " no, '' there's no explanation. 

I've been with Chase for over XXXX  years and this is how they treat their customers. My family and I will be pulling out of Chase Banking because this is pathetic if they don't even have any empathy.
Consumer complaint received 2019-10-04
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. (IL)

I have unauthorized inquiries on my credit report that. I informed the credit bureaus via writing to investigate my concerns. I will include the original tracking and letters I sent. With all these data breaches Im not sure what to do
Consumer complaint received 2022-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

In accordance with the fair credit reporting act XXXX  Account # has violated my right. 
15 USC 1681 Section 602 states I have rights to privacy.

15 USA 1681section 604 A Section 2 : also states a consumer reporting Angency Can not furnish a account without my written consent. 
15 USA 16668 : A states a creditor may not treat a payment on a credit card account under an open end consumer credit Plans as late for any purpose. 
There are improper use of my credit report.
Consumer complaint received 2022-04-16
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (OH)

I sent this email to Mr. Cooper and XXXX : Im writing to plead my case on my modification. Our situation is different in that our servicer admittedly made the mistake and causing us to move our case to the XXXX and Attorney General should we not be able to resolve this with Mr. Cooper. Which we really dont want to have to pursue as we both work and our family is extremely busy as most are these days. 

The situation is this, my family and I are attempting to take cash out of our second home and we were approved to do so. We were approved based on the fact that I completed the modification process with Mr. Cooper and complied with all of the guidelines that XXXX XXXX  Required, ( see attached email from your office to Mr. Cooper ). We in fact did that on my loan, only to find out that Mr. Cooper had dragged their feet and the modification documents had expired. This caused my loan to have to go through the modification process again. 

After numerous calls to the Servicer, they admitted that I needed to quit claim the property out of an LLC for that modification to be completed, but Mr. Cooper admitted that they had forgotten to tell me to do this ( which I have on a recorded call ), hence this caused the documents/process to expire forcing me into another modification process and three more trial payments.

Here is the impact, rates have gone up, the modification process is starting over again and now my current lender is stating that I need to make three payments and the modification has to be completed ( again ).

With interest rates going up, My fear is that Im going to now have to pay more to obtain this loan and may be forced out of qualification for the XXXX XXXX  Loan which we have been approved for.
Consumer complaint received 2021-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Self Financial Inc. (WA)

I noticed that my credit went down. I dont remember when. I haven't missed a payment. I asked the company self why. They said I opened or closed an account and that my credit will fluctuate. I closed one thing a long time ago. I was already penalized for it. There shouldn't be any fluctuations. That isnt a thing. As of currently I haven't opened or closed anything.
Consumer complaint received 2022-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA (NY)

Apple locked my apple cash. A month ago it was locked because i was trying to send XXXX $ to a virtual wallet so i can purchase bitcoin online. It wouldnt allow me so it locked the apple account. Apple unlocked it and just last night i noticed my apple cash is locked again this time for no reason. Just called XXXX  today snd they told me its locked because of the issue that happened a month ago. I always get cash back from using their credit card and now they told me i wont be able to access the cash back anymore or use XXXX  cash and couldnt give a reason why
Consumer complaint received 2022-08-23
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. (NY)

My name is XXXX XXXX, I was not a person who believes in using credit cards and I always used debit as a primary payment method. Until recently my wife and I are planning on buying a house, so I checked my credit report and realized I have been a victim of identity theft for many years. I found two fraudulent accounts, one is a charge off from Bank XXXX XXXX in the amount of {$11000.00}, the other is an account in collection by XXXX XXXX XXXX originated from XXXX in the amount of {$4500.00}. Additionally, there's also two fraudulent hard inquires from XXXX XXXX and XXXX. 

It is a grave mistake on my part to not close guard my credit as seriously as I should, until it became a giant road block on my path to finally become a homeowner and realizing my American dream. Identity theft has put me in a very tough situation, I hope we can get the fraudulent activities off my credit report as soon as possible. 

Thank you, XXXX XXXX
Consumer complaint received 2021-09-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. ()

Hi, I opened a Coinbase account in XXXX. Fortunately I only put in a XXXX  XXXX pounds in and I was impressed that the value had increased remarkably. However in XXXX I had message on my account saying account is under review and that it would take a few days. It's now become a joke because my account is still under review. I have reached out to coinbase on three occasions but I have had no answers. The case numbers are XXXX, XXXX and XXXX.
Consumer complaint received 2022-12-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Mcburberod Financial, Inc. d/b/a SeedFi (NC)

Seedfi switched all account with Zero notice to a new loan service where customers can not view any of their original loan documents and are not given a website and I correct contact information for the company. 

on top of this Seedfi transfered bank account information without consent to these companies and stated they were authorized to withdraw from your bank accounts without authorization from the customer. Seedfi gave away all personal information of their customer to another company with zero notification prior to their customers. This company has my email, full bank account and routing as well as additonal personal information. 

in additon you can view the full structure of the original loan on the new loan company website. All of this was sent out the day access was cut off by seedfi. Customers were given NO prior warning
Consumer complaint received 2021-09-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Self Financial Inc. (MA)

On Thursday, XX/XX/2021, my XXXX credit card payment was due. The amount due was {$29.00} and that '' s the amount that I paid. It was transacted through my checking account. The amount that I noticed yesterday that was cleared was for the amount of {$57.00} but that's NOT the amount I paid for or approved. This is the second time that this company has dobe something fradulent. I filed a complaint back in XXXX or XXXX with cfpb and with FTC. It was in regards to my loan that I had with this compnay. I've pay all kinds of bills with my checking account and debit card. NO company has taken advantage of my finances but Self and I've had enough! The next stop is FTC and my local police department as well as the state attorney general. I will pay off this credit card and seek to talk with someone from XXXX and XXXX so that I that my credit score will not take a hit due to the negligence of this company. I've had enough.