davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-29
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: BARCLAYS BANK DELAWARE (MD)

On XX/XX/XXXX, I made a purchase using my Barclay XXXX XXXX that ends in XXXX in the amount of {$32.00}. 

On XX/XX/XXXX, within seven days of purchase, I returned the purchase to the merchant and the merchant issued a full refund to an entirely different card that ends in XXXX. 

I brought this matter to the attention of Barclay billing disputes, and a billing dispute was opened, and was subsequently closed because at that time, the merchant falsely claimed that the merchandise was not returned. 

However, in an extensive email exchange with the merchant between XX/XX/XXXX, and XX/XX/XXXX, the merchant acknowledged that the merchandise was in fact returned and that the refund was not applied back to the Barclay credit card ending in XXXX. Instead, the refund was misapplied to a card that ends in XXXX. 

I brought these additional facts to the attention of Barclay billing dispute on XX/XX/XXXX, and attempted unsuccessfully to call Barclay executive office on XXXX but no one would ever answer the phone or return phone messages that were repeatedly left. In addition, the entire email exchange with this merchant was copied to Barclay 's executive office email address, XXXX, and again, no one ever responded or acknowledged it. 

Barclay is required under the Fair Credit Billing Act ( FCBA ), to resolve this billing dispute, and has since failed to effectively resolve it which may result in legal liability, damages and attorneys ' fees under the FCBA.

In summary, as noted above, the original purchase was made on the Barclay credit card ending in XXXX ; however, when the merchandise was returned, the merchant misapplied the credit/refund to an entirely different card number. Thus, under the FCBA, Barclay has a legal obligation to resolve this billing dispute, including charging this transaction back to the merchant and issuing a credit in the amount in dispute including any fees and accrued interest associated with this transaction.
Consumer complaint received 2022-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: WELLS FARGO & COMPANY (NY)

I received an invitation From XXXX XXXX the issuer Wells Fargo I have a fraud alert my application is on hold for days when I call them they dont know what to do to verify my id entity and approve my application this is ridiculous they claim its a new product and they still are fixing their systems and my other application also they have to complete verification for both of my applications to approve me I applied for my bilt XXXX and my reflect credit card its not fair
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (LA)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX - Account Number : XXXX Unauthorized inquiries : XXXX  XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-02-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (OR)

I called IC System at XXXX about my account and requested a written debt validation letter from them two different times and while on the phone both people told me they do not have to do that and they refused to send me one. I need that asap and they will not work with me. They were extremely rude and would not listen to me when I explained that this was not my debt and by law they are required to send me a written debt validation letter. Then they hung up on me.
Consumer complaint received 2024-08-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (FL)

My cryptocurrency account was hacked and cryptocurrency was stolen from my account at Coinbase. This occurred on XXXX. I was originally locked out of my account in XXXX of XXXX after they supposedly suspected fraud. I received a suspicious email and at some point ( I believe in XXXX ) I called because I could not gain access to my account and was assured everything was still fine with the account. I was very ill in XXXX and was hospitalized in later XXXX and then again in the late fall of XXXX. My health issue took over and I did not pursue the problem at Coinbase, thinking that my account was intact. On XX/XX/XXXX I had a friend help me with the problem of accessing my account. At that point, I was able to get a printed transaction history showing withdrawals of essentially all of the crypto which was worth over {$20000.00}. My friend and I spent over 3 hours on the phone while Coinbase tried to look at this. We were passed off to different people several times and I received no satisfaction that they would attempt to help me or reimburse me for any portion of the loss. They made security very difficult for me to prove who I was, but apparently allowed someone to access my account with little protection for me.
Consumer complaint received 2022-09-28
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-09-28
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION (SC)

I called Sallie Mae back in XXXX to let them know about financial hardship i am still experiencing after contracting XXXX while being XXXX  after i had to have an eXXXX XXXX XXXX XXXXXXXX to find some kind of relief options for me. I was told by my account manager that XXXX is pretty much not a thing anymore even as i held XXXXXXXX XXXX tests and XXXX XXXX XXXXXXXXXXXX XXXX  test result in my hand. I was then told to call back in XXXX to be considered for Forbearance. I called in XXXX just to be told that i would have to pay in order to be placed in forbearanceHOW? So I continued to receive at least XXXX calls daily as early as XXXX and as late as XXXX. I eventually started receiving email after email, and text after text but I cant pay anything if i am going through the worst time of my life financially. The calls continued to get really out of hand and we are now in the month of XXXX. I have tried blocking them but they continue to harass me even though I keep explaining that I cant do anything while on XXXX  and XXXX  months XXXX.
Consumer complaint received 2022-10-05
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (CO)

Citibank has repeatedly called more than 7 times in a week and up to 15 times a week. I tried to turn the card off in order to not accrue monthly unpayment charges as I can no longer afford to keep the card. They denied my request to turn the card off and continue making monthly payments until it is paid in full and now call me constantly
Consumer complaint received 2022-09-28
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. (MA)

XXXX has now reported to XXXX and Equifax fraudulent late payments violating the FCRA. I returned my lease on XX/XX/XXXX and they recorded I was late on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX payments when I have called and confirmed with XXXX that my lease obligations were fulfilled in full when I turned in my car. As I said, both bureaus now show these fraudulent payments and also are missing many on time payments. They have not responded to my disputes and cleared these payments and have wanton disregard for accurately reporting payments as required by the FCRA. These are clear violations of the FCRA and I demand they be removed immediately.
Consumer complaint received 2022-08-14
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ROBINHOOD MARKETS INC. (OK)

Good evening, I selected the topic of " indicating I was committing a crime, '' due to the 1099-B for a charge off of $ XXXX received by the IRS. Tax issues can be a crim This was from Robinhood over stock debt. The 1099-B was never sent to me, nor did I know about a charge-off. I have received a letter from Robinhood ( the alleged creditor, ) and XXXX XXXX ( a bank used at the time reported. ) XXXX XXXX is not part of this complaint and is not added as a respondent. Robinhood notified me in XX/XX/2021 that my information was compromised in a data breach. I also have received notification that XXXX XXXX experienced a data breach at the same time as Robinhood. 

I contacted Robinhood via email after being directed via their XXXX customer service. I told them who I was, my name, address, and phone number. They wrote me back wanting my SSN, DOB, and a few other items. I did not want to send that information as they have IT vulnerabilities. I did not want to call them because I didn't want to. So I asked them if they could match up the information they have from me with an account. They stated that they could not. I asked them to contact the IRS to remove the 1099-B by using the information they have from me to find the 1099-B that was submitted. They still refused and wanted me to provide information to assist them in correcting their mistake after allowing my data to be exposed. That is with all due respect to the entire company itself.
Consumer complaint received 2022-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

According to the Fair Credit Reporting Act, title 15 USC 1681b ( a ) ( 2 ) Equifax Information Services LLC has willfully and knowingly and intentionally violated my rights furnishing XXXX XXXX XXXX XXXX Account Number XXXX without my written instructions nor lawful consent. According to the Fair Credit Reporting Act 1681o ( a ) I, XXXX XXXX, Consumer am due for compensation from Equifax Information Services LLC willfully noncompliance of the Fair Credit Reporting Act.
Consumer complaint received 2022-09-28
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. (NC)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (CA)

I made a purchase at Bloomingdales and then returned the item. They lost said item and never issued me the electronic receipt ( I always try to go green ). I have disputed this with them for months and it was fun finally resolved. I have an email from them that states the following : Dear XXXX XXXX, Thank you for your recent inquiry regarding your account. 

This is to confirm the dispute regarding your account is resolved. We have updated the dispute to a resolved status with the three consumer reporting agencies listed below : However, it is still showing up on my credit report and XXXX has told me, after I disputed it, that they are still reporting it and I need to file a report here.
Consumer complaint received 2021-04-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SERVICEMAC, LLC (NC)

On XX/XX/XXXX ServiceMac sent Loss Mitigation Application, hardship affidavit, which were submitted online on XX/XX/XXXX. request of 1 month paystub, 2 months bank statement, utility bills, HOA statemtn which were submitted on XXXX. 
During a call on XX/XX/XXXX above docs could not be found by company reps. Another call on XX/XX/XXXX they still couldn't find docs eventhough they could be viewed on their website. Sent whole package by USPS on XX/XX/XXXX received by company on XX/XX/XXXX. On XX/XX/XXXX company requested to resend bank statements. Done via USPS on XXXX.Another call to company on XX/XX/XXXX and was informed to send an all new package signed and dated incl. paystub and bank statements. Said it has to be done every 30 days according to CFPB rules. This was the first time it was mentioned between XXXX and XXXX. New package sent on XX/XX/XXXX. Received by Company on XX/XX/XXXX. 
Amount due to reinstate loan as of XX/XX/XXXX {$12000.00} ( interest rate 4.6250 % ) Amount due to reinstate loan as of XX/XX/XXXX {$16000.00}. 
I could have been making payments since XXXX XXXX but company is stalling. 
On XX/XX/XXXX company sent someone to verify if house is occupied. Broke in.
Consumer complaint received 2019-05-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (NY)

I posted an ad on craigslist for a mattress for sale in XXXX, New York. A man reached out on XX/XX/XXXX saying he wanted to buy it for the asking price, {$200.00}, and offered {$50.00} extra to reserve it. He told me he would mail me a check immediately that I would have to cash, and then I would have to pay the movers from this check and I would keep the difference. He expressed mailed a " XXXX '' cashier 's check of {$1700.00} to my apartment on XX/XX/XXXX and insisted I pay these " movers '' {$1500.00} as quickly as possible via XXXX or XXXX and that I allow the mattress to be picked up as soon as possible. For the entire process he was pushy and rude. I did as he said and cashed the check and paid this person {$1500.00} ( who I thought was the moving service ) on XX/XX/XXXX and a day later, XX/XX/XXXX the check bounced. I reached out to this man, " XXXX, '' immediately and at that point he stopped responding to me. I called Wells Fargo immediately on XX/XX/XXXX and they could not do anything, saying the transaction had already processed. The following Monday, XX/XX/XXXX, Wells Fargo gave me a call and said there was fraudulent activity on my debit card of {$15.00} and they wanted to alert me. That transaction was blocked and they cancelled this debit card immediately. Right after, I called the XXXX precinct in New York to file an official report and they said that could not be done because where the crime happened ( via my phone and computer while I was at work ) was not local. I called the XXXX precinct ( area where I was working while I paid via my phone ) and no one picked up, so I left a voicemail, and they did not get back to me. I called my financial advisor and he told me to call XXXX. I called XXXX XX/XX/XXXX and I could not even get on the phone with a real person because they insisted it was an issue with Wells Fargo and not them personally. My financial advisor then told me, after there was nothing he could do, to file a report on this website.
Consumer complaint received 2019-07-04
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: Experian Information Solutions Inc. (TN)

I am a victim of fraud and items that r not mine and have not even been properly validated, or anything only by a third party vender which come with a lot of loopholes that were disputed 8 mths ago with EXPERIAN were deleted and now they are being added back to my report this is against th FCRA. All of the items that are being placed bavk on my report were deleted due to fraud.I have consulted with an attorney who is putti g them into litigatition.There is also a current class action lawsuit against this bhreau and I may report to XXXX as well.Please have these otems removed immediately that were deleted almost a year ago. 

Items being readded that were deleted last year : XXXX XXXX XXXX XXXX so far They readded XXXX but redeleted that here on XXXX This all is illegal. These are reasons among many many this credit bureau has current lawsuits pening against them. What I also found that within the dispute center history they updated the old results which is not displaying these items were deleted but my attorney and staff have the deletions in black and white from the paper results sent by mail. This is illegal actions and Experian will be exploited!
Consumer complaint received 2022-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AL)

XXXXXXXX XXXX XXXX is currently showing XXXX late payments on XXXX XXXX for XX/XX/XXXX which I explained to XXXX XXXX XXXX that I did not receive my card in the mail at that time and it shouldn't be reporting as past due and XX/XX/XXXX which I explained that I was affected by XXXX XXXX and this should be Covid protected. Equifax is showing XXXX late payment for XX/XX/XXXX which should be Covid Protected and XXXX is showing XX/XX/XXXX which should be Covid Protected. This is a violation of my rights under the Fair Credit Reporting Act 15 US Code 1692 Congressional findings and declaration of purpose ( A ) Abusive Practices There is abundant evidence of the use of abusive, deceptive and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to martial instability, to the loss of jobs, and to invasions of individual privacy. 15 US Code 1666b- ( A ) Timing of Payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed and delivered to the consumer not later than 21 days before payments due date. 15 US Code 1681 ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
Consumer complaint received 2022-07-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-09-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Upgrade, Inc. (WA)

I received a preapproved offer for credit from a company called UPGRADE, when I applied, they said you do not meet the requirements and will be rejected so I asked them to withdraw my application and stop using my information, their refusal was implied in an email.
Consumer complaint received 2019-05-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: ZIONS BANCORPORATION (PA)

To limit sharing at XXXX XXXX XXXX of my shared information when calling at the bank while opening the account to OPT out of sharing was having issues with people that could barely speak English. Was on the phone while the accounts person was opening my account and doing paper work. It's not clear by XXXX XXXX XXXX my account is opt out. I'm OPT out at all 3 Credit Bureaus of marketing and all services with XXXX, XXXX, XXXX  are all OPT out of Marketing and services. There is a block on my credit files regarding Marketing & Promotions.
Consumer complaint received 2023-01-18
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: EQUIFAX, INC. (CA)

EQUIFAX continues to violate FCRA 605C I, XXXX XXXX the natural person Original Creditor, authorized representative for the natural person, am the Federally Protected Consumer, Principal and Authorized Representative for all accounts created by his autograph. The purpose of this correspondence is two-fold 1. Asking the Bureau / CFPB why it would allow the CRA Equifax to willfully knowingly violate a consumers rights. 
2. Questioning the Bureau / CFPBs methods, as to why it would allow the CRA Equifax to disregard XXXX XXXX Consumer enforcement action and demand for compensation. 
3. Proving to the Attorney General, FTC and the CFPB that Equifax did in fact violate the Prohibition on Inclusion of Adverse Information in Consumer Reporting in Cases of Human Trafficking ( Regulation V ) and the TILA and FCRA QUESTION : Is it true that the amendments to REGULATION V are now law? 
QUESTION : Is it a fact that Equifax ( the CRA ) is knowledgeable/aware of the amendments to Regulation V, the subject of which is to implement the Fair Credit Reporting Act ( FCRA ), addresses recent legislation that assists consumers who are victims of trafficking. 
QUESTION : Is it a fact that the LAW, 15 USC 1681b ( a ) ( 2 ) outlines the specific PERMISSIBLE PURPOSES that a CRA may furnish a consumer report?