davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (OK)

I have multiple 0 % balance transfer offers on this card. 
I have paid regularly over the last 12+ months.

I requested that amounts over the minimum payment be applied to the first incurred debt.

The first incurred debt was where payments have first been applied over the course of the promotional period. 

For the XX/XX/2020 payment, the last month of the first incurred promotional period, I paid the remaining balance of the first incurred debt. Barclays applied a partial payment to the promotional balance that was ending and XXXX, and the rest to the promotional balance that ends in XX/XX/2020. 

This is unfair enrichment, deceptive business practice, and downright unethical. I request and adjustment, and Barclay claims their policy is to apply payments at their discretion. There is already case-law on this topic from over a decade ago. I'm requesting intimidate reversal of the payment, to then be applied as was directed in my previous communication with their customer support team. 

I am also seeking a discretionary credit to the outstanding balance for the time I'm spending disputing their unfair practices.
Consumer complaint received 2020-02-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (NY)

We have been trying to work with the mortgage company Mr. Cooper since XX/XX/2019. We are in pending foreclosure. They have not accepted a payment from us since then. We have tried working with them and XXXX XXXX We were still working with Mr Cooper waiting for a decision from XXXX XXXX when the papers were filed for the foreclosure. I feel they didnt really want to work with us and would rather have our family lose our home to foreclosure. We have half the amount due but its climbing daily now because of the lawyer fees being added everyday. They claim the are passing by twice a day here as there are two inspection fees daily. I see there are lots of complaints about this company when you XXXX their name. Can someone please help us?
Consumer complaint received 2020-02-18
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. (TX)

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Account Number : XXXX Status : PAYS AS AGREED Account Owner : Individual Account. High Credit : {$120000.00} Type of Account A mortgage account is real estate loan. : Mortgage Credit Limit : Term Duration : Terms Frequency : Monthly ( due every month ) Date Opened : XX/XX/XXXX Balance : {$0.00} Date Reported : XX/XX/XXXX Amount Past Due : Date of Last Payment : XX/XX/XXXX Actual Payment Amount : {$110000.00} Scheduled Payment Amount : {$0.00} Date of Last Activity : XX/XX/XXXX Date Major Delinquency First Reported : Months Reviewed : 29 Creditor Classification : Activity Designator : Paid and Closed Charge Off Amount : Deferred Payment Start Date : Balloon Payment Amount : Balloon Payment Date : Date Closed : XX/XX/XXXX Type of Loan : Conventional RE Mortgage Date of First Delinquency : N/A Comments : Fixed rate
Consumer complaint received 2020-05-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2020. I was looking to buy a specific breed of cat online. I did my research and contacted many sellers and the I found the little kitten that melted my heart. The breeder said I need to make a deposit to reserve the kitten. They had send me an email with shipping informations, instructions and methods. I couldnt wait to bring the little angel home. He told me how loving the kitten is and how lovely I would feel having hers I used Chase QuickPay to send over {$300.00} deposit as the the scammer says thats his preferred method. Once he received the money he stopped providing me information. I started to have a bad feeling and spend the next 5 hours digging for information and I found out that this website XXXX XXXX XXXX registered under XXXX XXXX  XXXX is a fraudulent site they have been reported as scam but havent been shut down. Im emotional broken, I was already getting ready to welcome my kitten home. I tried to look for help and then I found out that Chase Bank uses quick pay with XXXX does not prevent fraud.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (MI)

Family Educational Rights and Privacy Act ( FERPA ) The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ) Use this Law to remove student loans Fair Credit Reporting Act. 

I have listed the laws above. It is against my rights to have student loans on my report per the FERPA Act. Please remove from all three bureaus immediately.
Consumer complaint received 2023-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (HI)

I received a new credit card, new account opened, in the mail without my consent from Bank Of America ( BOA ). I called BOA and inquired about the card they sent. I informed them that i closed out my account about a year to a year and a half ago. They confirmed that the old account was closed. I inquired about how it was, that I was issued a new card, with a new account without applying for a new card, and they did not have answer for me. I also asked the to confirm the last XXXX digit on file of the new account and they replied with XXXX, which matched the card they sent me. I asked about when the new card was issued, I believed they said XX/XX/2023. I asked that they close the account, since I did not apply for a new card/account. 

Will this affect my credit score, since there was a new account created by them and me closing it out shortly after the account was created? 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2024-02-07
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: AMERISAVE MORTGAGE CORPORATION (PA)

I submitted paperwork in XXXX. The company is backed up so it took them 60 days to complete. Not my fault. My partial claim Was approved and company paperwork received XX/XX/year>. 

On XX/XX/year> I received notice Im 150 days late on my mortgage. How do when the partial claim was approved XXXX and my paperwork was received the same month.
Consumer complaint received 2023-07-18
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. (TX)

I have attempted to resolve this matter with these credit reporting agencies for the past 6 months. Fraudulent accounts are still reporting on my credit and no physical proof has been provided verifying these accounts to be mine. My rights have been severely violated and my next steps are to take this case to federal courts for the misuse of my identity.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Lendmark Financial Services (PA)

Lendmark financial services is willfully violating a federal law enacted by congress to protect consumers. They reduse to delete the repossession, negative account history after the account had been paid in full. I would like to pursue civil damages, and demand the late payment, and repossession deleted from my report.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CARS Acquisition, LLC (LA)

IN Recording TO THE FAIR CREDIT REPORT ACT THIS CREDITOR VIOLATED MY RIGHTS UNDER 15USC 1681 SECTION 602 I HAVE THE RIGHT TO PRIVACY. 15 USC1666 B A CREDITOR MY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER A OPEN ACCOUNT AS LATE PAYMENTS 15 USC 604 A A CONSUMER CAN NOT FURNISH AN ACCOUNT WITHOUT A WRITTEN AGREEMENT...
Consumer complaint received 2023-07-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (MD)

PNC sucks, they are intentionally delaying my dispute resolution! The details provided, in this instance, were sufficient enough, for an expeditious decision! Ive escalated this XX/XX/XXXX, to the office of the president. In hopes of expeditiously resolving, and STILL my dispute remains pending. Ive complied with all documentation request, and requested a senior level, supervisory review. Yet, theyre prolonging this, for the full 90 days. If I were a wealthy client, working with wealth management, this wouldve been resolved more efficiently! My dispute with the XXXX XXXX XXXX, started sometime end of XXXX, early XX/XX/XXXX. I didnt receive my refund, for an unused loan, the funds were returned to the company XX/XX/XXXX! Per their policy, my refund would be issued via check, in 14business days! Since they failed to follow procedure, I disputed with PNC! Provided proof of the funds being returned, yet PNC is taking the full 90 days, to issue my credit. They also never provided my provisional credit either! I feel, all of this is intentional, since I escalated a complaint. My rep also hasnt been helpful, whatsoever! Our last conversation, was XX/XX/XXXX with no updates!
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I am writing to bring attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have fallen victim to identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a negative impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if necessary, pursue legal action to protect my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.
Consumer complaint received 2023-07-18
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY (VA)

XX/XX/2023 someone tried to open a Target XXXX online with my information. They used my maiden name, my old address, they had my social security and my current phone number listed. I had placed a freeze on my credit last summer since someone tried to file an unemployment benefits claim with my maiden name. XXXX provided an incomplete investigation. I filed a police report for that fraud last year. Due to the freeze, the credit card application resulted in an instant denial.
Consumer complaint received 2023-07-18
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)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

2. there is some inaccurate information reporting.

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

3. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

4. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

6. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX Account Number : XXXX Please remove it from my credit report. 

7. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXXXXXX, AL XXXX
Consumer complaint received 2023-07-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Federal Credit Control, Inc. (NC)

I am writing to file a formal complaint regarding invalid debts that have been erroneously listed on my credit report. Upon reviewing my credit report, I discovered a debt that has been attributed to me by First Fed Credit Control, without any prior communication or knowledge from their end. 

I would like to bring to your attention the following details : *Lack of Account Information : First Fed Credit Control has not provided me with any account number or relevant details regarding the alleged debt. As a result, I am unable to verify the authenticity or accuracy of the debt.

*Absence of Communication : I have not received any correspondence, written or verbal, from First Fed Credit Control regarding the debt in question. This lack of communication raises doubts about the legitimacy of the debt and suggests possible fraudulent activity.

*No Recent Inquiries : To the best of my knowledge, I have not initiated or authorized any recent inquiries or transactions that would lead to the existence of a delinquent account. This further supports the notion that this debt is a result of identity theft.
Consumer complaint received 2021-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

On XX/XX/XXXX I noticed a collections account for {$100.00} on behalf of Spectrum, from a company called XXXX XXXX had again surfaced on my credit report. As a result I filed a dispute with Equifax and XXXX on XX/XX/XXXX. I expressed my frustration with this being the 4th time this item had shown up on my reports, but this account was settled on XX/XX/XXXX with a collections collections company called XXXX ( auth code XXXX ). It cleared my bank account on XX/XX/XXXX. I was offered and paid a settlement amount of {$28.00} to close out the account. I made XXXX XXXX collection agents aware of this and I shared this via my dispute with the bureaus and told them if this harassment continues, I will file a lawsuit against XXXX and the reporting Bureau. With the above stated, this complaint is directed at Equifax, because despite filing a dispute, they lowered my credit score by 19 points two days later, while the dispute was still under investigation. Subsequently, XXXX because a dispute was being investigated, did not lower my score. Actually, they increased it by a couple of points due to continued debt decreases. This is grossly irresponsible of Equifax being that a dispute was filed and they can easily check their records to see how often this has surfaced on my report and then removed via previous disputes that I should not be penalized. It honestly feels retaliatory.
Consumer complaint received 2023-07-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I feel I have been a victim of Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2023-07-18
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I am reaching out to request the immediate deletion and removal of the following accounts and associated information from my consumer report. It is crucial that these accounts and details are not reported, as their inclusion constitutes a direct violation of the FDCPA and FCRA. This violation involves several laws and must be rectified by promptly removing these accounts and information from my consumer report. I insist on their immediate removal to ensure compliance with the relevant regulations. Please take immediate action to address this matter.
Consumer complaint received 2023-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (CA)

I disputed CITIBANK N A, Date : XX/XX/XXXX inquiry with XXXX and CBNA/THD, Date : XX/XX/XXXX inquiry with XXXX as I did not authorized the inquiries. The first dispute letter was sent on XX/XX/XXXX and the second on XX/XX/XXXX. Afterwards, I disputed the same inquiry online. They responded to the online dispute by stating they were able to verify this inquiry. 
But how is that possible? 

1 ) I did not apply for credit from CITIBANK and/or HomeDepot on XX/XX/XXXX. 

2 ) I did not receive nor was I denied credit from CITIBANK and/or HomeDepot on XX/XX/XXXX. 

To assist the bureaus ' further investigation, I attached the screenshots of my customer account with HomeDepot, which clearly shows that I do not currently have and never had any credit account before with this company. Moreover, the screenshots also show NO pending or NO DENIED applications for any credit product they currently have. 

Moreover, on the same day of the inquiry, XX/XX/XXXX, I contacted the HomeDepot Credit Department ( XXXX ) and informed about the unauthorized inquiry on my credit report, telling them that I did not apply for a credit card with their company. Since then, they havent done anything, thus violating my rights under FCRA. 

Please see attached the disputed inquiries as well as screenshots from my HomeDepot account.
Consumer complaint received 2023-07-18
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)

In accordance with The Fair Credit Reporting Act XXXX  XXXX XXXX XXXX Michigan Docket # 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 has violated my rights. 


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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-07-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (NY)

On XX/XX/2023 I called Coinbase support because I had purchased XXXX token and value was not in my coinbase wallet. Tech support helped me find some of my XXXX tokens. This is where things got weird. I had been holding onto XXXX XXXX tokens since they showed up in my coinbase wallet. I just assumed it was an airdrop or was sent to my wallet but I cant find the transaction Hash. So I just left them in my wallet. Well during my tech support call with Coinbase, Coinbase told me to delete and redownload the app. Which I did. They also told me to renter my XXXX word Seed phrase which I did. But when I was logged into coinbase wallet. My XXXX tokens had Vanished. I hope my call to coinbase wasnt spoofed with is a hacking thing. But if I wasnt spoofed and someone didnt steal my funds. Then during my call with coinbase they stole my tokens. Its been very stressful loosing my tokens. Which at the time was only a {$2000.00} value but for holding them for so long why did the fund disappear. I think coinbase took my tokens because of a weird guess is. Is your holding XXXX it should be at a higher value and I was gifted those tokens or airdropped. Coinbase doesnt want to believe that those tokens are worth more and have not been honoring the value of these tokens. So they stool them. But I will not stop till this situation has been resolved. They keep closing my case # XXXX trying to say I didnt have the funds because I dont have a ether scan hash to search my value but its because I never swapped or moved or sold those tokens in my wallet. I believe the fraud my tokens. Im going up against a firm that can edit and change info so its going to be hard but I have been saving screen shots of my investment since I began with XXXX investing and I would like them to return my funds back into my wallet! This isnt fair to the investor. And I hope I wasnt spoofed and my funds was stolen by a hacker. I would like to believe coin is just holding onto my fund till after do kwons court with XXXX token but XXXX not sure. Thank you for your help on resolving this matter with Coinbase stealing my funds