davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-30
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BARCLAYS BANK DELAWARE (VA)

I applied for a Barclaycard XXXX XXXX XXXX XXXX XXXX online ( a United States credit card ). The next day I got a voicemail from Barclaycard security asking me to call back to verify details about my application, but they left a different callback number. I searched for that number online and found nothing associating it with Barclays. This lead me to be concerned that I had had personal information stolen. 
Because this was n't clear to me from the phone call, I called Barclays main customer service number to attempt to verify that the number they had me call back to was the appropriate main number. My only objective in asking for them to verify this information was to determine if the call I got was legitimate so I could call back. Instead, I was asked a series of personally identifying questions, and then told my card had been rejected. This was not my desired outcome, but it is not my primary concern ( although they did say that they were rejecting my application because I did n't sound like a man, which is concerning ). 
Here 's my problem XXXX bear with me, this gets a little tricky to describe ) : During this phone call, I was asked to provide " other phone numbers associated with my credit bureau statement. '' I provided XXXX numbers. XXXX number was my parent 's number, the other was an alternate number XXXX XXXX XXXX XXXX that rings through to my phone. I was thereafter placed on hold. Immediately after being placed on hold, my XXXX XXXX number rang with the phone number XXXX XXXX XXXX XXXX. XXXX The person on the other side of the line identified themselves as calling from XXXX XXXX, and asked to speak to my mother ( by name ). 
This was such a bizarre occurrence, I started to question whether or not this was a legitimate credit card operation or whether I had been scammed, and whether my identityhas been compromised. 
And I never did get the basic thing I was calling for ; verification that the original phone call I got was from a legit number. 
Any help in developing an understanding of whether or not my identity has been compromised would be appreciated. 

Original page was at XXXX*An online search associates this number with Barclays in Delaware, only in XXXX and on no official webpage.
Consumer complaint received 2017-01-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (TX)

XXXX -THIS COMPANY REPORTS ABOUT RENT ISSUE, FIRST OF ALL I MOVED GAVE 60 DAYS NOTICE, AT XXXX XXXX BAD EXPIENCE XXXX I WAS NOT MOVING TIL XXXX DAYS AFTER I INFORMED THEM THEY SAID OK, I WAS A GOOD TENANT, BEEN THERE 2 YEARS RENT WENT UP, I LEFT, I PAID WHAT THEY SAID OWED, WHEN I LEFT THEY SAID OWED XXXX XXXX ; T KNOW FOR WHAT I PAID I. XXXX, SO I WO N'T BE PUT INTO CREDIT REPORT, XXXX, I JUST FOUND I BEEN REPORTED FOR NO REASON AFTER I PAID IN TIME, AND XXXX OF MY REPORT SHOW XXXX I ALMOST CRIED, I CALL, THEY SAID WILL TAKE CARE, STILL ON MY CREDIT REPORT, IN REMARKS COMSUMER DISPUTING, I DID WEB ONLINE INVESTIGATION. PLEASE HELP ME. I DID NOT GET A RECEIPT, BUT TRANSACTIONS APPEARS ON MY BANK STATEMENTS, I CAN GET FROM BANK ...
Consumer complaint received 2021-02-08
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

All of these companies was not done from me. Please remove I have been hospitalized due to Covid. 
1.XXXX XXXX Capitol one 3.XXXX 4.XXXX XXXX /XXXX 5.XXXX XXXX 6. XXXX aXXXX XXXX  7.XXXX XXXX XXXX
Consumer complaint received 2019-11-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

In reference to # XXXX I received communication from the thoroughly dishonest Bank of America. XXXX not just to me but to officials of the US Government. I believe that is a crime. I object to the 60 day response period. I object to the bank saying they could not verify my identity. Really? Last I am in possession of an e-mail from Bank of America that proves they are lying. Either that or they can not do simple arithmetic. Not only do I want this resolved in my favor I want the CFPB to open a class-action as I am sure the bank has injured thousands and thousands more. E-mail available on request. 

XXXX XXXX
Consumer complaint received 2018-03-22
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Select Management Resources, LLC (NY)

I had taken out a title loan in Ohio against my XXXX XXXX XXXX  with the intent to use it travel back to XXXX XXXX  XXXX regarding my reestablishing my residency for the XXXX XXXX area. I had payment 's to make by XX/XX/XXXX paid that and XX/XX/XXXX a few days later on each because of my pay date but they were find with that. I lost my employment temporarily in early XX/XX/XXXX then finally in late XX/XX/XXXX/ early XX/XX/XXXX making payment. On XX/XX/XXXX I made a payment of XXXX which I was told by XXXX that was ok by that following Thursday I would have to pay XXXX. I called to pay XXXX. my payment was refused and I was told be XXXX that I had to pay XXXX my loan was for XXXX with a pay back set at XXXX I have paid off XXXX so far. This would leave XXXX they told me I need to come in person to refinance the loan and or pay off the loan ( two different things ) I was confused. I was to pay this last payment of XXXX on XX/XX/XXXX getting paid weekly for now would help me pay off the loan while I could they are refusing to take my money so I get my car taken. I live out of my car while I stay temporarily with a friend and wait for housing. That would have brought it down to XXXX. Then paying another XXXX this week would bring it to XXXX only because my pay is less I missed a day due to housing appt. I was late yes but I was on Now I am another week behind. but if I have so far paid on this loan XXXX I should not have to pay an additional XXXX if what is left is XXXX. I am being scammed and I was told I will loose my title after this Thursday XX/XX/XXXX if I don't pay the XXXX then come back to XXXX to refinance. Even if I owe now for the remaining balance they are trying to get beyond the loan.
Consumer complaint received 2018-01-06
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (TX)

I had a Texas XXXX XXXX XXXX XXXX with XXXX that started in 2008.Since that time many of my payments were applied to interest only which is a violation of Texas Home Equity Law. I will attach a letter and other information.
Consumer complaint received 2024-01-30
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (AL)

XX/XX/2019 I was forced to break my lease due to having to move because of business reasons which now I understand was due to beginning stages of COVID 19. I thoroughly had the home cleaned by a professional cleaner. An employee of XXXXXXXX XXXX  came to the home and did a walkthrough to take notes of the condition of the home. The person commented on how well the home was taken care of and said that I would have information forwarded to my new address, concerning my refund of my deposit minus any funds used for any redecorating needed to make the place ready for the next tenant. Some weeks later I received a statement with fraudulent charges and claims that I had broken things throughout the home including wall plates, toilets, and blinds. I attempted several times to speak to the person who was handling my account and was never given any direct access. After a while I was simply told that she no longer worked for the company. I wanted a copy of the initial walkthrough form that I signed before moving into the home to compare the damages I pointed out to those they claimed I did. I was charged for claims of excessive high grass and some fees that I did not agree to. In the lease, there was a clause about a redecorating fee which I was fine with but the fraudulent charges on top of the fees noted in the lease agreement is causing me to lose money due to the impact that the collection has done to my credit score. I believe that XXXX XXXX XXXX took advantage that was a renter and felt they could commit fraud without any repercussions.
Consumer complaint received 2022-12-14
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. (IL)

XXXX resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX  XXXX XXXX Balance : {$710.00} ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX ; XXXX  XXXX XXXX XXXX XXXX  XXXX  XX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXXXXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX ; XXXX  XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX  XXXX XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date of receipt.
Consumer complaint received 2017-12-01
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (OK)

Opened a card with XXXX in XXXX XXXX. Only one late payment due to a bank number error that caused the payment to get rejected. However, paid the late fee and made all payments on time. In XXXX XXXX they closed my acct with no warning. According to the card issuer, synchrony bank closed many accts even with good payment history if they pulled your credit and they didnt like what they saw. I dont think its right for them to close your acct when its in good standing and you have not asked for the bank to do so.
Consumer complaint received 2022-12-14
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. (IL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$290.00} ; XXXX XXXX XXXX Balance : {$660.00}
Consumer complaint received 2022-04-01
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

On Saturday XX/XX/22, I purchased a plane ticket from XXXX, CO to XXXX, GA. I was meant to be in XXXX on XXXX  night and XXXX, and then was due to fly back to XXXX on XXXX. However, I was unable to get to XXXX on XXXX  due to missing my connecting flight in XXXX XXXX because of maintenance issues with the airplane out of XXXX. As soon as I knew I would not get to XXXX, I canceled the flight from XXXX back to XXXX. This was well within the 24 hour cancellation window during which I am automatically awarded a full refund. The company said they would reverse the charges and did not. After attempting to speak with them twice and get them to do so, I contacted capital one, my credit card company, and asked for their help. They reversed the charge, but they did not return the money to my credit line. So I still dont have the money. I would like for this matter to be resolved once and for all. Thank you.
Consumer complaint received 2021-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XX/XX/2017 I applied for a borrowers defense application due to unlawful practices of XXXX XXXX. The communication actually came from the Department of Education in the form of a civil suit concerning the school so i filled out the necessary paperwork on the loans to be included in the suit. The application number is # XXXX and at the time the servicer was XXXX. The loans were supposed to be placed in a forbearance with Navient at this time. Instead they released servicing a year later and were reporting the loans as delinquent prompting them to go to a collections agency Default Resolution group or Debt Management & collections services. I have done several conference calls with each of these servicers for someone to back date my loans and clear the negative reporting on my credit reports and noone is willing to fix their mistake and are demanding repayment on the loans. The 13 loans under review or in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please have these loans recalled from the collections agency and all negative reporting removed from my credit report in a timely fashion.
Consumer complaint received 2017-12-01
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

There is Bank of America charge showing up on my credit as open when it was completely done with & closed many years ago. On XXXX & XXXX it has already been removed some time ago. We already tried calling & emailing XXXX regarding this matter but it has still not been removed. What can & needs to be done to resolve this? Please take immediate action in this matter. 

Thank you
Consumer complaint received 2017-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I contacted the United States Bankruptcy Court in  XXXX Connecticut on XXXX XXXX, telephone number XXXX and inquired about 2 Bankruptcys that are on my credit report, one from date XXXX/XXXX/XXXX and one from XXXX/XXXX/XXXX. I spoke with Bankruptcy clerk XXXX XXXX and stated to her this is showing on my credit report with XXXX XXXX and Transunion, Bankruptcy clerk XXXX XXXX stated to me they didnt report any Bankruptcy of any kind with my name on it, XXXX XXXX along with another clerk by the name of XXXX stated the Bankruptcy court do not report to any of these agencys. They stated to me they dont know where the got this information from or how, but that didnt provide them this information. And that this information is incorrect.
Consumer complaint received 2018-01-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (NY)

On XXXX XXXX 2018 I transferred XXXX LTC ( Litecoin cryptocurrency ) from XXXX to my GDAX litecoin wallet. The transfer was completed and the LTC reached the first destination which was the Coinbase LTC wallet. From Coinbase another transfer was made automatically to send the litecoin to the Exchange owned by Coinbase, GDAX. The transaction shows up as complete on the Coinbase history in my account, yet the Litecoin never showed up on my GDAX wallet. I contacted Coinbase through email the same day and received a case # XXXX. The response from Coinbase showed me a list of reasons why my transaction could be pending. I replied to the email and told them that my transaction does not show up as pending it shows up complete, and I still do not have the assets. I have not received a response from Coinbase despite numerous emails sent regarding this issue.
Consumer complaint received 2018-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

In XX/XX/XXXX I became delinquent on my consolidated student loan. In XX/XX/XXXX this information was reported to credit reporting agencies. For example my Transunion report shows Maximum Delinquency of 90 days in XX/XX/XXXX. My XXXX reports shows this same account updated with the following information on XX/XX/XXXX. Date of first delinquency : XX/XX/XXXX. I do not dispute the above information. Given this accurate information, these accounts should be excluded from my credit reports in XX/XX/XXXX. XXXX does not report this original account. 

This account was transferred for collection within the Department of Education.  The collection account is being reported to XXXX, XXXX, and Transunion. The date of first delinquency being reported on the collection account is XX/XX/XXXX. 

This practice of re-aging is a very serious violation of the Fair Credit Reporting Act 623. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 5 ) Duty to Provide Notice of Delinquency of Accounts ( B ) Rule of construction. For purposes of this paragraph only, and provided the consumer does not dispute the information, a person that furnishes information on a delinquent account that has been placed for collection, charged for profit or loss, or subjected to any similar action, complies with this paragraph, if ( i ) the person reports the same date of delinquency as that provided by the creditor to which the account was owed at the time which the commencement of the delinquency occurred, if the creditor previously reported that date of delinquency to a consumer reporting agency I disputed the date of first delinquency information provided in the collection account with XXXX, XXXX, and Transunion. The Department of Education verified the information as accurate. 

I called the Department of Education on XX/XX/XXXX after receiving results of disputes. I spoke to a representative explaining that the account was first reported as delinquent on XX/XX/XXXX therefore it was inaccurate for DOE to now report date of first delinquency as XX/XX/XXXX. The representative explained to me that XX/XX/XXXX is when the account was transferred to them and that is why they were using that date. I explained that it didnt matter when they received the account that the date of first delinquency had already been established. The representative refused to make any changes saying Im not an attorney.
Consumer complaint received 2017-12-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

Multiple FDCPA Violations by Collection Agency and  lawfirm XXXX XXXX XXXX. This agency is attempting to collect charges for a fraudulent account opened with Capital One Credit. This is identity theft yet they claim this account is verified by Capital One. I dont see how that is possible since Capital One deleted the first of two fraudulent accounts opened in my name and I have submitted all my notarized affifavits and police reports, clearly stating this account is not verified because I am swearing to the fact it is fraudulent. 

Violations : XXXX sent me company letterhead yesterday which was their response to my BBB complaint on them. In the letterhead they admit to mailing my personal information related to debt collection and lawsuit to a different address on my street where I do not live. 

XXXX advertises as being lawyers uet their website clearly states they are debt collectors. 

On the pending lawsuit court paperwork filed with the district court, the official court website shows my case number and Capital One as the Plaintiff with their lawyer name underneath. Funny thing is the lawyers name is also an employee with XXXX XXXX XXXX Collection Agency and listed on their website. 

I have notified XXXX XXXX XXXX as well as Capital One via XXXX clearly that this is not my debt and supplied all my official reports. I simply wish the fraudulent account to be deleted in order to not have to seek legal assistance for the clear violations.
Consumer complaint received 2015-11-18
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL (NY)

Someone logged on to one of my credit card accounts as me, changed the mailing address, added himself as a user and turned off fraud alerts. No charges were made but Synchrony bank handled it horribly. Not only did they not check with me first -- despite the fact that I have never lived or had dealings with anyone in the state he claimed to live in -- but after I closed the account they sent a new card TO HIM. I later canceled the card entirely and also another card the bank owns. I called to double check and one card was still open. They are awful.
Consumer complaint received 2022-12-14
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: Experian Information Solutions Inc. (GA)

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be corrected from erroneous reporting in my file. 

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