davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-29
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: BARCLAYS BANK DELAWARE (AZ)

I applied for the Barclay aviator rewards card, around end of XXXX. I did not hear from or receive a letter or a card from barclay. So I figured I wasnt approved or possibly they sent the card somewhere else or it just takes awhile to receive. The terms said you need to make a purchase within 90 days of opening the account. I dont know when that would be.. my definition of opening an account is when it is activated and you are able to make a purchase with the card they send you. They did not send the card until after the promotional term had ended.. so guess what? I dont get my miles, pretty convenient that it is sent after the promo is over, multiple people have experienced the same thing. I activated the card immediately after receiving and made a purchase, and this is verifiable with there records when I spoke to them, barclay is an absolute scam and does not issue rewards as promised.
Consumer complaint received 2020-06-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (TX)

This all started when I received an email asking if I would like to make big money working from home and I clicked yes. XXXX XXXX then called me via phone and said that I had inquired about working from home online. We talked and they told me they could teach me how to make money selling items on XXXX and XXXX. They also stated they would build me a website included in the costs. We then talked a little longer and I asked, what will all this cost me? and the gentleman stated that the cost for the training and website setup would be {$14000.00}. I told him I could not afford to pay that much money, he then proceeded to tell me I could put it on a credit card in which I would have 30 days to pay it off. He stated by the end of the 30 days I would be making well enough money and could pay the {$14000.00} back. I proceeded to put the charges on 2 different credit cards ( XXXX {$7400.00} and Discover {$7400.00} ) believing what he told me would be possible. XXXX XXXXXXXX had their coaching team contact me and we set up coaching sessions with XXXX. XXXX trained me an hour once a week or sometimes an hour and half. The coaching program was all based on the time they had available. The coaching also consisted mainly about selling items on XXXX and not XXXX and XXXX. I found out later that you could learn how to sell on XXXX for free on their site. Once the website was finished, I looked and honestly it was so basic my grandson could have done a better job. I called XXXX and he showed me how to log on to the site and change the font along with other things. I then cleaned the website up myself to the point where I thought it looked better. Back to the training/coaching sessions. I never once received any training regarding selling on XXXX. I also never received any training/coaching on Social Media Advertising for example XXXX, XXXX, XXXX, I had to learn that all on my own. They also set me up with a drop shipper named XXXX XXXX which has been unsuccessful at making any money. I have an address for XXXX XXXX which is in XXXX XXXX, but all the phone contacts are in Washington State. I have been misled and pressured into services that were not needed. I would like a refund for the full amount as you can see, they misled and deceptively sold me. They told me that in 30 days I would be making well enough money and could pay the {$14000.00} back when in fact I havent made a dime
Consumer complaint received 2024-09-18
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. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 15 U.S. C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-09-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (VA)

I am writing because I am one of many citizens that are in a status in which HARP does not help but yet, we suffer from the same problems. I bought my house back in 2005, shortly before the fall of the housing market. Like millions of others, I was under water ( almost by 1/3 ) as soon as it happened. I have not been able to get any help at fixing my situation and am worried about losing my home and maybe even having to go bankrupt. Not something that is appealing to me. I am not trying to reduce what I owe, I just want to get into a situation where I am not at risk by the rise of the interest rates. I understand that it is because of my ignorance and not truly researching my options when buying my home. It was just a dream and the builder made it so easy to get into the house and told me I would be able to refinance within a year. Well, that opportunity never presented itself after the decline in the market. I am a veteran and should have used my veteran 's benefits, but did not. I am not sure why we are excluded from the help that millions of others that just happened to use XXXX XXXX or XXXX XXXX are provided.
Consumer complaint received 2023-07-15
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: Experian Information Solutions Inc. (LA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 inructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2017-01-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (CO)

REFERENCE NUMBER XXXX I had a joint tax lien of XXXX, The IRS granted me full innocent spouse relief, the lien was later withdrawled per IRS and XXXX XXXX XXXX. Equifax took off the other lien but are still reporting this lien. I have sent them everything proving I do not have this lien faxed and online, all the paperwork, I have called them and XXXX XXXX XXXX said they are NOT reporting this. I do n't know what to do I do not have this lien.
Consumer complaint received 2015-08-04
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (NJ)

I was trying to get my credit reports from all XXXX reporting companies via XXXX. When I got to the Equifax site, I was asked a security question that related to how much the required payment was for a specific account and I gave the wrong answer. The problem is that the account happens to be a home equity line of credit, and we had just written another check, so the number changed recently. It seems rather stupid to ask questions like that about accounts where the monthly payment can vary. The real problem is that once you get the security question wrong a XXXX time, you are told to send sensitive documents via the USPS in order to request your report. There should be a way to upload required documents to a secure site. At the very least there should be a phone number to call so that you can request your report via the phone, or speak to a person about why you are having a problem. What would have happened if the account that I was being questioned about happened to be fraudulent? - I would have no clue how to answer the question and then would experience a delay in getting my report, possibly allowing time for more fraudulent accounts to be opened. The XXXX companies should be required to provide a phone number or computer chat capability at the point where they prevent you from accessing your own credit report to prevent delays.
Consumer complaint received 2017-02-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (NV)

I am filling this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and connot verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to '' ... promptly delete all information which can not be verified, '' that i have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2016-09-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Nelnet, Inc. (NY)

I am writing in regards to the late payments on my account. In the years XXXX I was dealing with personal illness and death in my family. I had even started the process of applying to have my student loans permanently discharged. Due to illness I was unable to work, and that is why I got behind in my loan payments. Nelnet was notified of this health issue, and I started the discharge of loan application with Nelnet, so Nelnet was property notified of my health issues and therefore should not have any negative postings on my credit. Today my health has recovered substantially, and I do work, and I am a graduate student. Upon graduation I will gladly work with Nelnet to repay my student loans ( currently they are both in deferment and in the low income repayment plan ). I wish to say my ability to repay Nelnet would be substantially increased if Nelnet removes the late payments from my credit report. While it is and always was my responsibility to repay my loans and work with Nelnet on that matter, I should not be permanently penalized for this matter because doing so impedes my ability to earn money and pay Nelnet back. Please remove the late payments from all three major credit bureaus. I have been responsible for Nelnet payments or keeping my status up to date for about two years now. After disputing this on XXXX, XXXX had deleted all but one of the negative accounts. But then Nelnet decided to repost the negative entries.
Consumer complaint received 2016-09-23
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (TN)

Complain to Equifax : Explanation how the credit score from XXXX requested by XXXX on XXXX XXXX, 2016 reduced to XXXX requested by XXXX on XXXX XXXX, 2016. The credit score was dropped XXXX points when I have not applied or authoorized anybody to pull my credit between that period. Credit score on XXXX XXXX, 2016 from XXXX is XXXX, XXXX is XXXX and Equifax XXXX.
Consumer complaint received 2016-11-02
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (GA)

I am a veteran, I have recently moved to the state of Georgia. The following inquiries appear on my credit report. The inquiries were made without my authorization. Please delete or remove the inquiries promptly within 7 days. I am a victim of someone inquiring without my permission.
Consumer complaint received 2016-03-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Equitable Acceptance Corp (CO)

My original student loans were consolidated through XXXX XXXX which was bought out by XXXX. I started getting emails from student loan advocates stating they could have my student loans forgiven. I initially filled out the application for this but after looking ito it and speaking to XXXX about it is was found to be not in my best interest. I contacted the fed loan progran and told them i did not want there services and not to go through with the consolidation of my loans. It happened anyway and I was right it was not in my best interest to go with them, as they are now sending me threatening e-mails saying they are going to garnish my wages and report bad info to credit bureau. I was told i have to pay XXXX dollars in a couple of days to this third party or they will start actions against me. I want nothing to do with this company and need any help you can provide. I have contacted the XXXX and they are helping me get my loans back to the original company who also tried to help me in this matter but did not act quick enough. When I tried to call the numbers given to me all they said was pay or else and hung up. Yes I got mad on the phone and probably said some thing i probably should n't have but who would n't. Please help
Consumer complaint received 2024-09-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc. (FL)

________________________________________ Dear Sir/Madam, I am writing to seek your urgent assistance regarding my Coinbase account, which has been blocked for over a year. Despite multiple attempts to resolve this issue with Coinbase, I have not received any updates or guidance on the next steps. I am reaching out to you as a last resort, hoping for your valuable intervention. 
I sincerely appreciate your previous support, which has been invaluable in helping me through difficult situations. Your team is doing an excellent job, and I am grateful for your continued efforts. 
The prolonged blocking of my account has been XXXX XXXX, as it has prevented me from conducting essential transactions, such as adding payments or selling coins. Over the past year, I have submitted all requested documents multiple times without any response or update on my account status. 
I am currently XXXX XXXX XXXX and XXXX, relying primarily on XXXX XXXX. My Coinbase account is crucial for supplementing my income, and the inability to access it has placed me under significant financial strain. 
On XX/XX/2024, I received an email from Coinbase indicating an attempt to change the email associated with my account. I immediately clicked the link provided to secure my account, but was redirected to an unrelated website. Concerned about a potential security breach, I attempted to contact Coinbase, but received no response. 
On XX/XX/2024, I received another email stating that XXXX XXXX was being sent from my account. This was alarming, as my account has been blocked for over a year, preventing any transactions such as selling or buying in my account. I am deeply worried about the security of my funds, which represent my hard-earned savings. 
I urgently request your intervention to help resolve this matter. I am deeply concerned about the potential loss of my funds and would greatly appreciate any assistance you can provide. 
Thank you for your attention to this urgent matter. I look forward to your prompt response. 
Best regards, XXXX XXXX
Consumer complaint received 2017-03-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

Disputed the account with Equifax as they are reporting an account I have no knowledge of. They updated the account as " verified and belong to me ''. I sent a request that they provide verification of documents that were used to determine the account was verified and belonging to me, Equifax has responded : We verified that this item belongs to you. We have verified that this item has been reported correctly. If you have additional questions about this item please contact : XXXX IN XXXX Phone : XXXX. However, I have requested validation of the debt from the collection agency as well who has ignored me and has responded once or even placed the account in dispute. As of date the account is being reported monthly and has failed to be updated as being disputed or removed from my credit report.
Consumer complaint received 2015-05-14
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: CORELOGIC INC (AR)

I applied for a Mortgage with XXXX. They ran my credit through CoreLogic Credo. I contacted them to dispute and update information on my file. Of which they are a third party to the credit agencies. I requested the the Account Name listed on there report as Unknown be removed. The original creditor of which showed XXXX Cable had know such account for me $XXXX bucks.  Core Logic contacted me by email indicating that my dispute was ready to view. The $XXXX bucks still reflects unpaid. So I called Core Logic and they indicated it came back as a XXXX bill from XXXX and gave me the number to XXXX to dispute. I called, I spoke to a gentlemen in the dispute dept. So now I have to start this process all over. He stated that this $XXXX is from XXXX. I once again explained the dilemma and he stated it hasn't been reported as a dispute. So today I have submitted another dispute with now XXXX of which could take another 30 days. For a company reporting on my report as "Unknown" collection agency. representing XXXX of which I do not have any outstanding balances with.
Consumer complaint received 2016-03-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX reported my account as 30 days late on XXXX 2015 when it was not late. I purchased XXXX items from XXXX XXXX and they cancelled my order, charged me for an item that was supposed to be free without informing me. I did n't know I had a balance because of it since I did n't get anything. I called XXXX XXXX regarding this issue and they realized it was their mistake so they offered to send me a gift card instead of putting it back into my credit card because per XXXX XXXX customer service rep they were n't able to put it back into my card. I paid the balance of the credit card then but I guess it was too late since XXXX XXXX reported my account as 30 days late to all credit bureaus. Balance was less than {$30.00}, I would have paid it if I knew about it and if they did n't mess me up. XXXX XXXX has notes in my account as well as XXXX XXXX. But none of them were able to help me remove this negative thing on my credit report which is 30 days late. I have been trying to improve my credit score because I am planning to get a house and my mortgage loan officer said that this 30 day late from XXXX XXXX XXXX XXXX is affecting my credit score.
Consumer complaint received 2016-09-14
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (FL)

In my most recent Equifax Credit Report I viewed several accounts ( loans ) that I paid in full still reflecting as open. I requested Equifax to send me my most updated Credit Report and as of today they have not complied with my request. If these accounts are not reflecting correctly on my Credit Report it is damaging my Credit Worthiness and Credit Score.
Consumer complaint received 2016-06-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

I am writing to dispute the following information in my file. The items I dispute also I have the attached copy of the credit report I received. Such as credit account, judgment, etc. ) Is ( inaccurate and incomplete ) I am requesting that the item be remove corrected. 
Please reinvestigate this ( these ) matter ( s ) and ( delete ) the disputed item ( s ) as soon as possible
Consumer complaint received 2016-03-28
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am buying a house and the mortgage company reported that they were only able to see XXXX ( XXXX ) score. That score is by XXXX. I tried to purchase a XXXX bureau credit score by XXXX but instead they send me a copy of my credit report which I already have from the mortgage company. XXXX has a policy that if you purchase a one time copy of your scores or report it is non-refundable [ Buyer Beware ] .Their XXXX bureau score report is XXXX Neither XXXX nor Transunion scores are available. I would be able to get a better rate if those other scores were available. We tried XXXX ( twice ) and called XXXX/XXXX/16 and the same problem. I have tried twice and gave up. When I try to go online and purchase those scores, they are always unavailable and they refund me my $ XXXX!! 
The agent at Transunion said he can see my score. But when I tried Transunion.com, they want me to purchase a 7 day Trial credit monitoring subscription and then {$19.00} thereafter before I can get my score. I refused because I only want a copy of my score which the agent says cost {$9.00}. THERE IS NO EASILY VISIBLE LINK ON TRANSUNION.COM to purchase such a score for such a price. To date I am still unable to get my scores
Consumer complaint received 2016-07-01
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have desperately been trying to put an initial fraud alert on my credit file. I keep getting alerts from banks, email providers, everyone really, saying someone is trying to log in to my accounts from XXXX. I obviouslly want to put a fraud alert on my file. I go and try to do it online, submit all my information, and am told they are unable to assist me online and i should call for more information. Wehn I call, if I use the automated self service, they tell me they are unable to assist me over the phone and to file online. If I choose an option that seems like it would get me a live person, i am put on hold until the call auto disconnects. Meanwhile, someone is going to log in to my accounts and steal all my money and I am NOT being protected by these companies.