davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (FL)

On XXXX, XX/XX/XXXX, XXXX XXXX, I was booking a flight online with JETBLUE. When step 3 of the booking process ( Review & Pay ) was displayed, an offer of " {$250.00} credit statement and 15,000 Bonus Points '' popped up on the screen ( see attached ). This offer, showed a different final amount after the " statement credit '' is applied, my estimated amount due for the ticket would go down from {$410.00} to {$160.00}. Without further ado, I hit the button " Apply Now '', completed the application form, an instant approval came from https : //www.barclaycardus.com and I went to book my flight.

Needless to say, my first disappointment was when I was confirmed and charged the full amount without any discounts. The applied points were far from the 15,000 BONUS points promised by this offer, in fact they were the usual points one gets.

The second disappointment came today, when my new card arrived and I created an account with Barclay to check my balance and see if the promised credit of {$250.00} had applied. Not only that it had not, but there was a hefty {$99.00} annual fee, a total of {$540.00}, instead of {$160.00}, as per their offer. The third and final disappointment, the activation telephone number published on the card and o
n the company 's website was not a working number and the main phone number to customer service was not working as well.

I called JETBLUE to seek their assistance as this " Bait and Switch '' marketing campaign is obviously a joint venture, the customer service rep transferred me to Barclay, despite of my warning that their phone numbers do not work and they did not work for the rep either.
Consumer complaint received 2020-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

Borrower XXXX XXXX said that after a new servicer, XXXX, took over ... with accusations ranging from bad lending practices to violating state law to ... For the first time ever, the public can see the graduation rates for Pell ... Borrower XXXX XXXX said that after a new servicer, XXXX, took over ... with accusations ranging from bad lending practices to violating state law to ... For the first time ever, the public can see the graduation rates for Pell ... 


ask yourself would you pay for violations done to you NO!!!!!!!!! 

XXXX/dept of ed {$2200.00} {$3800.00}
Consumer complaint received 2019-03-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (IA)

10 years ago we moved ( and none of my mail was forwarded on ) and my ( store related ) credit card was sold off to a debt collector. They called me, I paid it immediately, the card was canceled immediately. My husband began receiving phone calls with personal information saying I owed over {$300.00}. He has told them I no longer possess that card or owe that debt. They are still calling and claiming I owe the money. I do not retain paperwork from 10 years ago, so unfortunately I have no proof. THIS IS A SCAM. 

XXXX ( a XXXX XXXX phone # XXXX XXXX XXXX XXXX XXXX, GA working on behalf of XXXX XXXX and Associates My information was sold to them on behalf of XXXX 's. I highly recommend not taking out a line of credit from a store. They will claim no responsibility.
Consumer complaint received 2018-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX XXXX ( XXXX Creditor : MEDICAL ) XXXX, XXXX XXXX XXXX ( XXXX XXXX : MEDICAL ) XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MEDICAL ) XXXX, XXXX XXXX   ( Original Creditor : XXXX IDAHO XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX ) XXXX
Consumer complaint received 2018-10-15
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. (ID)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX XXXX ( XXXX XXXX : MEDICAL ) XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX MEDICAL ) XXXX, ACT COLLECT ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX ) XXXX
Consumer complaint received 2019-02-26
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Convergent Resources, Inc. (CA)

I originally had a collection with XXXX wireless for data charges I did not agree with. They sent me to collection. Each time we agree on an offer, the collection company sells the debt to another one. I am now on the fifth collection company. I am unable to settle this debt. The latest company was sent a certified letter to only contact me in writing, never by phone. The continuously contact me by phone. They refuse to contact or respond to my correspondent. Instead they threaten to sue me.
Consumer complaint received 2018-04-15
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. (MI)

This complaint is based on the handling of this account by Equifax. I previous disputed the account that is being reported by XXXX XXXX   with both Equifax and XXXX. I requested information be removed based upon inaccurate information being reported such as one agency reporting as individual and open, the other reporting as joint and closed etc. Instead of removal, both companies reached out to XXXX XXXX to have them update their records. As you can see with the attachments, they are both still reporting different information. One is reporting open and other other is reporting closed. After this dispute, I realized that this account had been removed from Equifax previously. Therefore, I mailed a dispute to Equifax onXX/XX/XXXX via certified mail by the US postal service asking again for this account to be removed based upon this item being reinserted without notifying me. The dispute was delivered to Equifax onXX/XX/XXXX as shown in the attachment. On XX/XX/XXXX, I contacted Equifax just to get a status. Upon explaining my dispute, the representative I spoke with placed me on hold and informed me that it was being deleted and that I would receive an email. She provided confirmation number XXXX. I waited some time and then called back due to not receiving the email that I was advised that I would receive. Upon speaking with the rep, she advised me that they never received my dispute and that a dispute was opened on XX/XX/XXXX. My call on XX/XX/XXXX was for a status only. I am requesting immediate removal of this XXXX XXXX account from my Equifax report. This item is expected to be removed in XX/XX/XXXX I was informed, however I am asking for it to be removed at this time. I have attached a copy of the certified mail receipt, as well as the confirmation of delivery. I hope to hear from you soon. Thanks for your time and attention to this matter.
Consumer complaint received 2018-04-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

End of XX/XX/2017 had reservation for XXXX Georgia XXXX. 
Prepaid through XXXX on my dads card for two nights Hotels was nasty - Drug dealer out front, not AC, old, smelly with Intense ... Bed sagged, we never stayed. Triggered my XXXX, attendant told me all rooms and lobby smelled same. I think they were a welfare hotel but the sleazy XXXX looking girl in lobby. Attendant even left premises to get girlfriend, causing us to wait 30+ minutes to inform him we are not staying They took my debit card to use for incidentals ... no authorization to charge, Charged me {$58.00} plus for one night, never stayed there though - stayed at XXXX last minute. 

Fought all I could, and have attachments. 
Called XXXX corporate, the hotel itself, Bank of America. No signature to charge for room. Proof I never stayed there. and proof we paid through XXXX. PLUS - the hotel shows they refunded some card that is not even ours. 

Colossal waste of time. And the fees the imposed? Completely wrecked my business trip financially, ran out of money before it ended. Never seen such a low class run, disgustingly dirty smelly hotel. Have traveled the world ... and this was bad. XXXX did nothing to help, XXXX said they had no power and took down complaint. Bank of America said I was late in replying to a letter sent over XXXX and XXXX XXXX. Dates are all there. See attachments
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

Below is a list of unauthorized inquiries made on my credit file XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXf XXXX XX/XX/XXXX XXXX  XXXX ( XXXX  ) XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX  XXXX XX/XX/XXXX
Consumer complaint received 2018-10-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC. (TX)

XXXX client, XXXX XXXX is a victim of identity theft. She received an XXXX credit report listing an account with Wakefield and Associates that she was not familiar with. The account is associated with medical service ( s ) obtained from XXXX XXXX, and XXXX XXXX XXXX XXXX using my clients information without her consent. An offiical dispute of these accounts were provided to Wakefield and Associates XX/XX/2018 however as of this date no reply has been received from them or the original creditors with whom they were working on behalf of. Per FDCPA the collection agent has an obligation to share/provide the dispute information to the original creditor concerning matters of fraudulently established accounts. Wakefield and Associates have not contacted my client with regard to the status of this investigation of fraud concerning this matter.
Consumer complaint received 2018-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I had a fraud alert placed on my credit file that indicates anyone who runs my credit needs to call me and that wasn't done and that violates my rights as a consumer I have reached out to the credit bureau on more than one occasion to advise of my credit being pulled without my permission.
Consumer complaint received 2022-05-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2018-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft 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, and XXXX XXXX
Consumer complaint received 2018-10-15
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA (MD)

In XX/XX/2018 I had reached out to AES via their website 's contact form about requesting options for lowering my monthly payments. My reason is that I have become the sole source of income for my wife and I as she's unemployed and unable to collect unemployment because of recently relocating to a new state. As requested by AES, I submitted an application and cover letter outlining my financial situation, waiting over a week before reaching out to check on its status. When I spoke with a representative on XX/XX/XXXX at XXXX XXXX EST, they informed me that my loans were not eligible for any form of lowering monthly payments because of " not qualifying. '' I find this to be a bit ridiculous given I had provided substantial document of my financial hardship and AES appears to care little for its customers ' well-being or ability to live.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

After finding several discrepancies on my credit report, I sent a certified letter to Experian on XX/XX/year> and listed the accounts that were in questioned. I requested that they please fully validate the reported information and remove anything that they could not provide signed, original contracts for. 
On XX/XX/year>, Experian responded via email stating that they have updated the disputed accounts on my credit report but no change has been made and the disputed accounts still remained on my report was not fully validated. 

On XX/XX/year>, I sent Experian another certified letter stating that I previously sent a letter asking them to provide original contracts of the disputed items. I asked to please DELETE any accounts that they could not provide original contracts for. 
On XX/XX/year>, Experian respond via email with the exact same response as their first, stating that the disputed files were update. However, the files were not updated and all disputed accounts still remain on my credit report and have not been fully updated.
Consumer complaint received 2022-05-03
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: T.S. Holdings (TN)

Spoke to a member of this collection agency. Informed him that I have not received notice of the debt. The debt was sent to the wrong location and requested proof of debt with copy of my lease in which he said he was reading. Informed him that I am not saying I will not pay nor I will pay I'm requesting proof to sent to the correct location. The representative said they did their due diligence and by contacting them I am refusing to pay the debt today they would be taking legal action against me.
Consumer complaint received 2021-12-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (MD)

I have provided my mortgage company ( Flagstar Bank ) with my Property Tax bill for my residence, on multiple occasions, requesting them to schedule the second semi-annual payment which is due by XX/XX/XXXX. They have not responded. 

The current online Flagstar Bank mortgage escrow status shows the next escrow tax payment is not scheduled until XX/XX/XXXX, which is 9 months after the due date. The current escrow account balance is well above the required minimum balance threshold ( 2-months of tax & insurance escrow payments ), and has more than enough current funds to pay both property tax & upcoming annual home insurance bills. 

XX/XX/XXXX ( faxed copy of Property Tax Bill requesting payment in full of annual tax bill ) * XX/XX/XXXX Flagstar Bank disbursed Escrow funds for 1st semi-annual installment listed on the tax bill. Despite the escrow account holding enough balance plus required reserves to pay the annual installment in full, they ignored my request. 

XX/XX/XXXX ( called Flagstar Bank, then sent e-mail with PDF attachment of Tax Bill to Flagstar Bank property tax department, requesting them to schedule a XXXX payment for the remaining 2nd semi-annual installment of propert tax due ) XX/XX/XXXX ( follow-up e-mail requesting to schedule payment of remaining tax balance ) XX/XX/XXXX ( follow-up e-mail requesting to schedule payment of remaining tax balance ) XX/XX/XXXX ( follow-up e-mail requesting to schedule payment of remaining tax balance ) * Flagstar bank still lists next tax installment is scheduled to be paid in XXXX, XXXX. 

XX/XX/XXXX ( AGAIN faxed PDF attachment of Tax Bill, also re-sent PDF as e-mail attachment requesting payment of remaining tax balance, due THIS MONTH. 

No response received from Flagstar Bank.
Consumer complaint received 2018-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

On XX/XX/2018, I emailed & called Equifax to remove inquires that I did not authorized. I spoke with a US Rep that was handling my request. I was going over all the inquires on my credit report that shouldnt be there which is all besides like 2. As I  was going over this I can hear in his voice how he didnt care but I just kept going so after I informed him of everything all he said was I will not to contact the companies that placed the inquires and I stated I did but they stated I needed to contact yall so both companies was giving me the run around. I would love for you to speak with them to see if they can remove these unauthorized inquires off my credit report ASAP.
Consumer complaint received 2022-06-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  Account # 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 an account without my written instructions.
Consumer complaint received 2018-10-15
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. (CA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX,
Consumer complaint received 2018-04-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (TX)

I first contacted Coinbase/XXXX, which are two affiliated exchanges, on XX/XX/XXXX to ask that they provide access to my XXXX   account. Among other reasons, I need access to my XXXX  account to obtain my virtual currency transaction history that is necessary to complete my tax return. After numerous emails and phone calls with Coinbase/XXXX throughout XX/XX/XXXX and XX/XX/XXXX ( emails attached ), they have still failed to resolve this issue and still have not restored account access. Instead, they have sent me multiple irrelevant boilerplate emails regarding declining to give tax advice ( which I never asked for and has nothing to do with my issue ). At one point, they informed me in anXX/XX/XXXX phone call that they had wrongly cancelled my support request without informing me and for no given reason. They have also stated by phone that their phone support staff are unwilling to communicate with the technical staff members who can fix this issue.

I have informed Coinbase/XXXX multiple times in my emails and by phone that restoring account access was time sensitive so that I could complete my tax return. Despite this and despite the numerous communications I have had with them, they took no steps to resolve this issue and I have been forced to file a tax extension with the IRS. Because this issue is still unresolved, I may be unable to file a complete and accurate tax return even after this extension due to Coinbase/XXXX 's actions. I believe that Coinbase/XXXX 's actions constitute obstruction of tax compliance, a federal crime, and their actions are putting me at risk of facing tax penalties or other IRS action that is solely because of Coinbase/XXXX  's knowing failure to address this issue. I am requesting assistance dealing with Coinbase/XXXX so that they will resolve this issue immediately and restore access to my account so that I can obtain this transaction information necessary to meet tax requirements.
Consumer complaint received 2018-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX , XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX/XXXX  XXXX , XXXX/XXXX XXXX, XXXX XXXX, XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX ( Original Creditor : 01 XXXX XXXX ) XXXX, XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : 05 XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX, XXXX ( Original Creditor : MEDICAL ) XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX ( Original Creditor : 07 XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX, XXXX/XXXX   XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX , XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX/XXXX XXXX XXXX