davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (GA)

First, I am a victim of identity theft. On XXXX I sent a notarized personal statement to XXXX XXXX/Executive Office listing all of the fraudulent accounts, addresses and employers. On the same date I also sent 2 FTC identity theft reports, a police report and a color photo of my driver 's license ( for proof of my identity ) + utility bill. On XXXX I received an Equifax credit file # XXXX. This credit file still shows 4 fraudulent addresses, 9 fraudulent accouns ( XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX ) and 1 fraudulent contact/phone number ( XXXX ). Section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days ( today is XXXX ) which means Equifax has committed 13 violations according to the Fair Credit Reporting Act regulations.
Consumer complaint received 2020-06-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (CA)

This was from over a year ago, and I did not know that there is a place to file a complaint like this. So please forgive me if this complaint is too late to be filed. 

On XX/XX/XXXX. 
When I checked my chase Freedom account, I found that all my points are gone and my account was closed. So I called the customer service to see what happened. The lady told me that Chase sent me a letter in XX/XX/XXXX that my account will be closed, and I will have 30 days to use my points. BUT, I moved to a different house in XX/XX/XXXX, I even forwarded my mails to my new address through a service of USPS, but I did NOT get the mail from Chase on closing my account! And they didn't notify me through any other method other than that one letter. I had XXXX points in my account for my purchases in FOUR years with this Chase Freedom credit card, and I lost all those points because a letter was somehow lost. This seems really unfair to me, and the lady from CS told me there is nothing Chase can do in this situation. So I want to file a complaint about this.
Consumer complaint received 2020-05-08
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)

ACCT # XXXX XXXX XXXX XXXX, was Disputed with XXXX , XXXX , and EQUIFAX through CFPB and only DELETED by XXXX on XX/XX/2020 File Number XXXX. I believe XXXX   AND EQUIFAX are in violation of the Fair Debt Collection Act, this is harming me by not accurately verifying and deleting this account.
Consumer complaint received 2020-06-25
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. (FL)

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 01 XXXX XXXX, 12 XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, DEPT OF EDUCATION/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-06-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

On Sunday, XX/XX/2018 I deposited ALL my money ( Cash ) into a Citibank ATM outside a bran in the city of XXXX, CA. Instead of crediting my account an error message on the screen and receipt appeared saying I'm sorry. Because of technical problems, I can't return your cash right now. The receipt did not even state how much I had deposited so I Immediately panicked. This is all the money I had in the world and losing this money will hurt me in so many ways. Since it was a Sunday I could not go into the branch and speak to someone so my next move was to call the customer service number listed behind the debit card. Customer service was only able to start a claim that could take 45days to be resolved and 10 days to see any credit in my account. Keep in mind that these are business days so it could be minimum of 2 weeks before I get any credit in my account. Unfortunately, I live check by check and it is the beginning of the month so rent and most of my bills are due. After standing next to the ATM for about an hour trying to get customer service to credit my account I finally have to leave. That night I could not sleep stressing over my financial situation. Finally the next days I decided that I had to go into the branch to speak to a manager to try to resolve this issue. This caused me to have to go to work late and lose hours not to mention how embarrassing it is when the bank teller accesses my account and sees that I have XXXXcents available in my account. After finally explaining to the teller my  situation the bank teller tells me that that ATM has been having tech issues after someone had attempted to deposit quarters. I asked the teller to get me the manager so we can resolve this only to find out that there was no acting branch manager in that location and that no one in the bank can access the ATMs to count the money. Teller then refers me to call customer service who then refers me to the branch. I was there for about 2 hours getting the run around until I had to leave to work. As of today Im overdrawn in my account, I have no gas, I do not know what my wife, daughter, and myself are going to eat tonight. I have called customer service every single day since multiple times a day asking to speak to the investigating unit but only get the run around. They tell me to speak to the branch and the branch tells me that they cant help me. They dont seem to understand the stress this has put on me and my family. I have no acquired late fees and to top it off my car broke down. If this wasnt an emergency I would not be going this far but it is. I have a family and have no money due to a technical error from Citibank. It is now XX/XX/2018 and I still have no funds and yes it has only been 3 days but I dont have any other money and my family have now been eating cereal and eggs since Monday because of this. I need help.
Consumer complaint received 2018-06-06
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NC)

I ordered an vac system from sears in XX/XX/2017 with. one year warranty when I call they say they didn't do the install yet I have paid almost 9000.00 dollars so far for the installation they keep passing me from department yet no one is the right department to handle my complaint I would like to know if they did not do the install why am I paying them XXXX dollars and XXXX on the side for an extra zone they refuse to service a system less then one year old yet im paying Citibank for an install they say they didn't do I am being scammed by sears and Citibank for a system they say they didn't install I have payed almost 9000 dollars and do not have. WORKING SYSTEM
Consumer complaint received 2021-11-29
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Albert Corporation (NY)

This is the second time in XXXX days I've had trouble using my card. They set up a new card yesterday and mailed a physical card however that card isn't working either. I'm getting the same error message as before. I've tried reaching out to support once again with no response. My direct deposit goes into this account this week and I have no way to physically access money or a card to pay online. I couldn't buy food or my prescriptions on Thursday and still can't. There's a transaction for {$5.00} made at XXXX that I never made. This has been more than inconvenient. I've changed my password to access both the app and website.
Consumer complaint received 2020-06-25
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: EQUIFAX, INC. (PA)

I have made several disputes for accuracy verification regarding the reported account XXXX XXXX # XXXX with the CRA, Equifax with the most recent on XX/XX/2020, resulting in a response from Equifax, this creditor has verified that the date is being reported correctly. Equifax does not say what date is being reported correctly, nor do they respond to the specific items that were outlined in my dispute on XX/XX/2020. 

The CRA, Equifax knows, the information in my file must be complete and accurate, and verifiable, otherwise it must be deleted. This is made clear in FCRA Sect 611. I  asked Equifax to remove this tradeline because they were repeatedly reporting unverifiable information. As of XX/XX/2020, this account XXXX XXXX XXXX XXXX is missing the date of last activity, credit limit, high credit amount, charge off amount, and date of major delinquency. All of this information is required for accurate reporting. 

I am in the planning process of applying for a mortgage and have rights under the Fair Credit And Reporting Act that Equifax is violating.

Equifax response to my dispute regarding missing information with respect to XXXX XXXX ( aka XXXX  ) is that this creditor has verified that the date is being reported correctly. This is a direct response form Equifax. ( see attached ). They have completely ignored all of my disputes regarding this matter and, instead, have merely updated my report with a random reply unrelated to my original dispute. 

It appears that their response is a result of not providing me with proper investigation processes as required by Federal Law or a blatant fabrication. Instead of deleting the account, as required as the necessary remedy, at this point, they have instead, kept the account on my file with incomplete information.
Consumer complaint received 2018-06-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (CA)

We are trying to get a payoff demand from Ditech. We faxed a payoff demand request on XX/XX/XXXX. I called on XX/XX/XXXX as i had not received the payoff demand yet. The rep said it takes 5-7 business days so we should have it within a few days. 

I called today XX/XX/XXXX because we still have not received the payoff demand. I was told that the payoff was not even ordered until i called in on XX/XX/XXXX. They don't care that we sent a written request for the demand on XX/XX/XXXX. 



*****This property has equity. We have a buyer who has been waiting to close escrow. This is NOT a short sale and Ditech WILL BE GETTING A *FULL* PAYOFF. 


XXXX Ditech is refusing to provide a payoff demand and is PURPOSELY DEFRAUDING THIS ELDERLY WOMAN OUT OF THE EQUITY OF HER OWN HOME!!!!!!!!!!! 


There is an upcoming foreclosure date of XX/XX/XXXX. I need a Payoff Demand immediately, and a postponement of the foreclosure date due to Ditech 's superfluous delays.
Consumer complaint received 2020-06-25
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: CITIBANK, N.A. (CA)

Letter of Complaint : Refuse to Validate Debt Beginning in XXXX, Ive disputed the debt with the major credit bureaus, as well as XXXX XXXX. I requested proof of validation. So far, none of them have been able to provide such proof to me. I have sent multiple follow-up letters to each of the companies, and there still is no proof. At this point, XXXX XXXX, XXXX, or XXXX  has not responded, or updated the account. 

I have fully investigated my rights in this matter. Under the Fair Debt Collection Practices Act, if no proof is provided to me within 30 days, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates as evidence of my requests ( see enclosed ). Under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence. 
According to the Fair Credit Reporting Act, if the debt cant be verified within 30 days, then it must be removed. XXXX XXXX with XXXX XXXX, XXXX, and XXXX claim to have verified the debt, but this is, in fact not true under law. Simply contacting the alleged creditor, and asking them to match up numbers in their database, or or using the XXXX XXXX XXXX to input codes is not sufficient verification.
Consumer complaint received 2020-06-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (FL)

PayPal employs a deceptive fee structure on XXXX sales in which the advertised 2.9 % + {$0.00} fee is applied to the sale price plus a hypothetical 6 % tax value ( even when no tax is collected from the sale ). This results in an excess fee of 0.00175 % per sale collected by PayPal.
Consumer complaint received 2018-02-07
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (NC)

I am part of the wellsfargosettlement class action lawsuit. I'm confused about the acounts opened in my account, when my retirement savings account money began to disappear. I had basic accounts, I earned less than 2000 monthly. I was confused about the way my retirement savings was gone within 2 years. More than 40,0000. I have tried to get the bank to help me understand the situation. There explanation makes no sense. I didn't open 4 accounts. How do I get the reimbursement. Now the bank has my original accounts for my s.s. checks. Basically the same thing before my retirement Fund was available to the bank.
Consumer complaint received 2018-06-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (MI)

I had an XXXX account and called around XXXX of last year and settled my account because of divorce and they took it off my credit report and now XXXX company now says they have it now and it is back on my credit for XXXX and the account was XXXX? It is killing my credit? Please help me please I dont need anything else on my credit trying to pay off debt not get something taken off and then put back on again? Thanks XXXX XXXX
Consumer complaint received 2020-10-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (WA)

Hello, I located your email address off theftc.govsite, Ive filed a report of a scammer named XXXX ( Report XXXX ) who continually calls me impersonating a Chase Bank Fraud Department employee claiming there are suspicious charges on my account. 


This person has been calling multiple times since XX/XX/2020 and is calling from a Florida number. XXXX He will try to ask me for specific account and person information to verify it. 

However I contacted Chase directly and they stated ( even on their site ) they don't call customers in this manner. 

In addition, he called on my home number which isn't associated with my account and unfortunately did have my Date of Birth. 


I just wanted to email you to inform you of the situation and appreciate any assistance you could provide to help stop this and if theres any recourse for me. 

XXXX Thank you XXXX XXXX XXXX
Consumer complaint received 2018-06-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc. (MT)

On the date of XXXX XXXX - XX/XX/2017 UTC I made a sell order of XXXX Ethereum, trade ID XXXX. The " price locked in at that moment '' was ( USD ) {$2600.00}. But the transaction went through at the price of ( USD ) {$740.00}. 
This in direct correlation to the false entry in books, reports, statements and fraudulent pretenses, includes the intentional technical inaccuracies and price chart errors from the approximate dates of XX/XX/XXXX-XX/XX/XXXX and to this current day, where Coinbase/GDAX maintains a false record to the price of Bitcoin, Ethereum , Bitcoincash and Lightcoin cryptocurrencies according to the price chart. Coinbase/GDAX has drafted a fraudulent user/legal agreement in compliance with Local, State and Federal laws, rules and regulations.

After having through much diligence, found that first and foremost, 12 CFR 1005.9 - Receipts at electronic terminals ; periodic statements is being violated. Specifically under section, ( 1 ) Amount. The amount of the transfer. A transaction fee may be included in this amount, provided the amount of the fee is disclosed on the receipt and displayed on or at the terminal. And ( 6 ) Third party transfer. The name of any third party to or from whom funds are transferred. And ( 5 ) Address and telephone number for inquiries. The address and telephone number to be used for inquiries or notice of errors, preceded by Direct inquiries to or similar language. The address and telephone number provided on an error resolution notice under 1005.8 ( b ) given on or with the statement satisfies this requirement.

Including, 18 U.S. Code 1001, 18 U.S. Code 1005, 18 U.S. Code 1007, 18 U.S. Code 1343, 18 U.S. Code 1344, 18 U.S. Code 641. Also including applicability in, 12 CFR 1001.1 Under ( 12 U.S. Code 5481 ( 15 ) ( A ) ( ix ) and ( 15 ) ( A ) ( xi ) and ( 26 ) ( a ) ( i-ii ) and ( 28 ) ( a ) and ( 29 ), 12 CFR 1005.1 ( a-b ) 12 CFR 1005.16, 15 U.S. Code 1693f and 1693m and 1693n, 15 U.S Code 78e I have contacted Coinbase/GDAX with communication for a period of over two months, with another legal issue of the " Coinbase Support Team '' acting as legal  intermediary. And failing to direct me to the correct accepted legal agent of service, after I stated I would seek legal action.
Consumer complaint received 2018-02-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc. (TX)

On XX/XX/2018 I transferred XXXX Bitcoins to my Coinbase bitcoin wallet with the intention of exchanging it for USD. Within approx 1-2 hours my Coinbase account showed the transaction as complete, receiving XXXX BTC with approximate value of {$4100.00}. However, the money was never added to my bitcoin wallet and the balance remains XXXX. I had successful transfers to my account before this. I double-checked everything is correct, and my Coinbase account history clearly shows the transaction, I just never received the bitcoins. 

I filed an issue with Coinbase support on XX/XX/XXXX, followed up on an automated reply from them on XX/XX/XXXX, and called them on XX/XX/XXXX. On the phone call, the support person looked at my account and said that it did indeed look like an error on their part and that they would elevate the case for a specialist to look into it. I have not received any replies from Coinbase since, and my messages to their support system have gone completely unanswered. The bitcoins have still not been credited to my account. 

I have complete documentation including screenshots showing all transactions and wallet addresses, a download of my complete Coinbase transaction history, and all communications with their support team.

It has been 8 weeks since their mistake with zero action from Coinbase, which lead me to believe they have no intention of ever resolving this issue.
Consumer complaint received 2021-01-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMA Advisors, LLC. (NY)

Homebridge had closed a previous inquiry regarding an issue with my escrow account. But there still is an open issue from that inquiry that needs to be addressed. 
Your company previously stated that an escrow refund of {$3300.00} was mailed to me, the borrower, back in XX/XX/2019. I do not recall receiving this check in for the overage from the escrow account. Can you please tell me of that check was ever cashed?
Consumer complaint received 2020-06-24
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. (NY)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX, XXXX/XXXX, XXXX   XXXX/XXXX  XXXX, XXXX XXXX/XXXX, XXXX, MEDICAL Company Inquiries : XXXX/XXXX  XXXX XXXX/XXXX  XXXX/XXXX XXXX   XXXX/XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-02-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (GA)

I obtain a copy of my credit report. XXXX is showing a bill for {$1300.00}. I have never been notified of this debt. I have disputed this with the credit bureaus and was advised this had been validated. No information has been provided to me with proof of the debt
Consumer complaint received 2019-08-19
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. (WI)

In XX/XX/XXXX I filed chapter XXXX bankruptcy. My accounts filed were mainly medical bills, my XXXX XXXX XXXX and some other miscellaneous debts. As I was going through the bankruptcy process, I was awaiting my XX/XX/XXXX to be surrendered as I searched for a new vehicle. Before my bankruptcy was discharged I was able to purchase a new vehicle. XXXX XXXX XXXX. I have been paying a car note of $XXXX since then (XX/XX/XXXX) to current. While trying to do a trade XX/XX/XXXX at XXXX XXXX I was told that my XXXX XXXX XXXX was filed in bankruptcy. I then denied that information and the sales person stated that none of my payments were reported to the national credit Bureau. I then contacted the bankruptcy office XX/XX/XXXX and that information of my current vehicle was not found. I then contacted XXXX XXXX XXXX On XX/XX/XXXX and they denied not reporting my payments but they are not listed on my credit report. I can provide visuals of my credit report stating this account being in a chapter XXXX bankruptcy that was screenshot from my cell however, I can also provide eligible documents at a later date.