davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (NY)

I had requested a balance transfer on my Barclays Credit card to consolidate balances into one payment around the date of XX/XX/21. After requesting the balance transfer, Barclays had charged my credit card twice for the balance transfer, however I had received the monies once for the amount requested. Upon noticing this on my online account, I promptly called Barclays on XX/XX/21 to bring the matter to their attention. I was told by the customer service rep that it was a known issue with Barclays and it had affected other customers as well and that there was not a known time frame for resolution. I had again reached out to Barclays when over a week went by and I did not see/did not hear of resolution. I was told twice via secure message that a manager would reach out to me within 24 hours. Finally on Saturday XX/XX/21 I was called and spoke to a manager who told me that again it was a known issue and there was no timeframe for resolve. He was working from home and there was nothing that he could do. Today Tuesday XX/XX/21, now 3 weeks after my initial contact I called the company again was told that there was nothing that she could do. The IT department was working on the issue, and there was no timeframe of resolution. I had expressed my concerns regarding how long this process is taking since the amount charged my credit card is over {$46000.00} dollars instead of the {$23.00}, 175 ( amount requested plus transfer fees ), it has put me over my credit card limit and has dropped my credit rating from a XXXX to XXXX. This is completely unacceptable and needs to be addressed quickly. Not only on my account but also on other consumers accounts as well as I am sure they are experiencing the same frustrations that I am.
Consumer complaint received 2021-12-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (VA)

I made a large payment to my consolidated federal loan ( {$2000.00} on a ~ {$14000.00} loan ) on XXXX XXXX, 2021 believing that it would allow me to advance my due date once the current period of forbearance is suspended in XXXX. Nothing on my servicer 's website indicated that because the current mandatory forbearance period is in effect, I am in fact not eligible to advance my due date. In fact, the service still included an optional box for the payer to select if they wanted to opt OUT of advancing the due date. Additionally, none of the adjacent FAQs provide this information to the borrower. Now they are telling me I can initiate a refund request, which they say can take 90 days to fulfill, and then make the payment later.
Consumer complaint received 2021-12-14
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: EQUIFAX, INC. (TX)

HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. SOMEONE USED MY PERSONAL INFORMATION TO OPEN THE FOLLOWING ACCOUNTS : XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXXXXXX  OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX
Consumer complaint received 2021-12-14
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: CITIBANK, N.A. (NY)

These accounts do not belong to me. Please remove the negative items as soon as possible, because they are hurting my credit. 

XXXX 1. Identity Theft CITI Account Number : XXXX This is not mine. 

2. Identity Theft XXXX CARD Account Number : XXXX This is not mine. 

experian 1. Identity Theft CITI Account Number : XXXX This is not mine. 

2. Identity Theft XXXX CARD Account Number : XXXX This is not mine. 

XXXX 1. Identity Theft CITI Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX  N.A. 
Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2022-11-15
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

On XX/XX/2022 I sent a letter for an inaccurate account on my credit report. It has been days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Fair Credit Reporting Act Section 611 ( a ) clearly states that a failure to investigate this item gives me a reason to immediately repair the item from my credit report, they should be promptly corrected. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I demand that this account be corrected immediately : XXXX XXXXXXXX
Consumer complaint received 2022-11-15
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. (TX)

I submitted a letter to the XXXX Credit Bureaus to delete these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXXXXXX 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
Consumer complaint received 2016-11-21
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I contacted Transunion about 3 months ago approximately in referenced to an unauthorized inquiry. I receive an alert from XXXX with an unauthorized inquiry from a company called XXXX on XX/XX/2016. I requested for Transunion to dispute which they refused and I am entitled to dispute any fraudulent information on my credit report. What is extremely upsetting, is that there were fraudulent inquiries on my credit report a few months ago and I was informed to contact the police department and they would extend the fraud alert to the extended fraud alert for seven years and it was not applied as informed. I called Transunion and submitted online the case number from the XXXX Police Department, case number XXXX Officer XXXX. This company should have contacted me if the fraud alert was applied. I am asking for the immediate removal of this fraudulent inquiry. I contacted XXXX XXXX and they informed me to dispute with Transunion,
Consumer complaint received 2022-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (NC)

Federal student loans borrowers defense application was approved 100 %, credit report shows new loan XXXX nelnet and double amount when everything should be canceled XXXX XXXX  misled me and it affected my credit and family. See attached. 
Also this has affected my credit for years and interest was accrued which affected my approval chances. Now that my loans are being waived compensation for damages need to be looked into.
Consumer complaint received 2019-12-20
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (FL)

Earlier this month, I placed order XXXX at Amazon.com. 

When placing the order, Amazon offered me a {$60.00} credit if I applied for the Amazon store card. The Amazon system told me that I was denied, and that there would be no credit. Today I received an email saying my new Amazon store card is on its way. Confused about how this could be, I called Synchrony. Synchrony confirmed the new card, but knows nothing about a {$60.00} bonus. Synchrony told me to contact Amazon. I contact Amazon customer support, and am told they know nothing about it - to wait 30 days to see what happens. What? Obviously, Amazon has no idea what is going on, so I quickly called Synchrony back to cancel the card. Amazon offered me the bonus to apply, told me I was denied, but then Synchrony issued me a card in my name. No one knows about any bonus. I had to call Synchrony right away to cancel the account. Obviously, there is some type of scam going on where Amazon is enticing customers to apply for credit cards via offering a bonus, then Amazon denies the card, and then passes the customer 's information on to Synchrony in order to open an account in the customer 's name.
Consumer complaint received 2016-07-13
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America Unsecured Business Credit Card Charged off. Bank of America Recovery Services Debited my personal checking account for {$3000.00} on XXXX XXXX. Only leaving {$100.00} in my account. And XXXX was debited from business checking. I was under the assumption that they were required to leave sufficient funds XXXX for living expenses. I have made many attempts to reach the Recovery department. Calls never returned. They keep giving me the run around. I would like to at least get enough money returned to close out my bank accounts, as they are both overdrawn. Now I 'm unable to even close the accounts because of negative balance. They keep charging NSF fee 's.
Consumer complaint received 2022-11-15
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX 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 : XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-15
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ  XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-12-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Io, Inc. (VA)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX  or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
Consumer complaint received 2022-11-15
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. (FL)

I submitted a letter to the 3 Credit Bureaus to delete these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-15
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: EQUIFAX, INC. (AL)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. 15 U.S. Code 1681 section 602 states I have the right to privacy. I am requesting that all late payments, which are transactions or experiences, be removed IMMEDIATELY from my consumer report, pursuant to 15 U.S. Code 1681a ( 2 ) ( A ) ( i ) - Definitions ; rules of construction, which states the term " consumer report '' does not include " report containing information solely as to transactions or experiences between the consumer and the person making the report. ''
Consumer complaint received 2021-12-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (UT)

In XXXX of 2020, I opened a CoinBase account and invested {$1000.00} in Bitcoin through their platform. I got a new phone number about four months ago and have been unable to verify my identity through their two-step authentication process, so they disabled my account. We've tried submitting at least five " help tickets '' to get it resolved, and in each one I've offered to verify my identity by any means possible. It has only resulted in them sending us instructions that do not work at all, to which they " close '' the tickets as if they were resolved even though I respond to their " did we resolve your problem '' email with a definitive no. I've offered several methods to confirm my identity and haven't talked to a single real person and it's very suspicious that they're intentionally not letting verify my account so they can keep charging me fees for being on their platform with the hundreds of dollars I left in the account without me being able to do anything. I've read on online forums that CoinBase does this to hundreds of users by other first hand accounts. I've been denied access to my funds for nearly 5 months now. 

Here 's the most recent email word for word they sent me as a response to my most recent attempt : ( HEADER : Case # XXXX XXXX Phone number changed. I can verify my identity any way necessary ) " XXXX XXXX, Thanks for your patience while we looked for your email. It appears you have another account under the email : XXXX. For your security, were not able to provide the entire email. 

You can try using the email provided above to sign in to access your account. If you forgot your password, youll need to reset your password. You can follow the link below to do that : XXXX XXXX XXXXXXXX  Once you've signed into your account and recovered your funds, the account will need to be closed to comply with our policy of one account per person. 

Regards, XXXX XXXX '' We gave them the benefit of the doubt, tried logging into my father 's account, scrutinously searched every possible page within the account and found absolutely nothing related to another account being linked or anywhere that gave me the option to view or access my funds in my personal account. Yet another superficial response to a desperate help ticket.
Consumer complaint received 2016-12-22
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

In XXXX I was vacationing in XXXX XXXX XXXX XXXX. I experience identity theft and my account was charged almost {$600.00} I filed my fraud claim with Bank of America and they came back and said because I had made purchases the same day the fraud had occurred with the same merchant the frauduelent vendor had also used that they are unable to determine if any fraud has occurred. This is why we sign receipts, the bank is not doing their due diligence and im out {$600.00}. Because every vendor in XXXX uses the same merchant that should n't be my problem. Please help
Consumer complaint received 2021-12-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (VA)

I received a letter in the mail the week before XXXX stating that my SSN was flagged. I mailed off the letter and then I received an email on XXXX the XXXX stating that my account would be closed on XX/XX/XXXX unless I filled out the information. I immediately went online and filled out the paperwork, I sent it signed along with my ID and my SSN, I submitted my information on XXXX. I also called Chime multiple times throughout the 2 weeks and was told it was " high call volume '' and was put on hold for over an hour each time. I tried to do customer. No one responded back to me. I called 3 different times on XX/XX/XXXX and waiting over XXXX minutes each time. I emailed multiple times with no response. Then XX/XX/XXXX I go to look in my account at XXXX pm and was told my account had be cancelled and the Chime app logged me out. However I just used my Chime card 3 hours prior to that. I have called and email multiple times with no response, their is no actual human to talk too. You can't use the chat feature unless you are a member and because my account is closed they will not let chat with anyone. Chime is withholding my money from my checking account ( {$190.00} ), my savings account ( {$25.00} ) and my credit builder account ( {$9.00} ). I have been a loyal member of chime for almost 2 years and have never had a problem with them until now. I also think its odd that I have 3 different bank accounts yet somehow chime is flagging my account stating that my SSN is wrong. Ive sent everything Ive needed too and I've exhausted every resource I possibly can. Thankfully this is a backup account and I only put a little money in at a time, however this is still MY money that I worked for.
Consumer complaint received 2022-11-15
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I submitted a letter to the 3 Credit Bureaus to adjust or remove this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior XXXX XXXX and I'm including it again. Please correct or delete these accounts immediately 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
Consumer complaint received 2022-11-15
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent ITEMS in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any ITEMS listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 

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  EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA 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, CA XXXXXXXX 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.