davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (MA)

Here is the letter I sent to Barclays regarding this problem : Ever since I signed up for the AAdvantage Aviator credit card in XX/XX/, its been nothing but a nightmare. 

I have never received an online invoice from Barclays for my account ending in XXXX, which has resulted in numerous and costly late fees. 

Recently I received a letter from Barclays indicating both my credit line and my credit score had been reduced due to late payments. 

When I called Barclays to investigate this problem, I was told that I had a XXXX ( {$0.00} ) balance at the end of XXXX XXXX but that there was a subsequent {$10.00} purchase on XX/XX/. The charge appears to be from XXXX XXXX with no indication of what it was for. I do not recognize this charge nor has Barclays been able to identify what it was for. 

Because I never received an invoice from you, I was not aware of this charge for a purchase I never made and believed there was no outstanding balance on the account. Unbeknownst to me, my account began accumulating substantial late fees that now total {$72.00}. Without this charge the account wouldnt incurred no late charges, interest or fees. I have placed this charge in dispute ( see below ). 

Last week, my husband XXXX XXXX made several attempts to rectify this situation by phone. With my authorization, he first spoke with an agent who understood the issue but lacked authorization to correct the problem. This agent scheduled a call back from a manager who would have the proper permission. The manager left a message. 

When my husband returned the call, he spoke agent ID # XXXX and was told that he was no longer authorized ( despite this being the same day as he was authorized ) to discuss the issue so she wouldnt speak to him. 

On my husbands third attempt, he spoke agent ID # LASMCK who said she was authorized to speak to him but refused to do anything about the situation. Consequently, my husband formally put the {$10.00} charge in dispute. Despite that, the letter I received indicates that this charge still hasnt been put into dispute. 

I expect Barclays to remedy this situation by : 1. Removing the disputed {$10.00} charge from my account. 
2. Canceling any and all late fees and interest. Without this charge the account had and would still have a {$0.00} balance. Late fees and interest are inappropriate. 
3. Refunding the annual fee of {$99.00} given the excessive amount of time I have spent dealing with this problem. 
4. Notifying XXXX XXXX and any other credit bureaus of the error so my credit score is restored. 
5. Sending me a formal letter saying that the account is not in arrears and never has been. 
6. Canceling my account immediately.
Consumer complaint received 2021-02-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (CA)

I was asked to submit documents and was assigned a Customer Advocate. 
I mailed the documents, made several calls, talked to several but could never reach the Advocate nor anyone in the company reach any advocate that could answer my queries. 

I was initially told that since this is to refinance within the same company, this would be very easy. 

After spending much time, I received an email to again send the documents. I again did but it seems there is no one to receive the documents or anyone who could explain what going on. 

Instead, I am asked to sign a disclaimer that if I did not submit the documents by a specific date, the loan company will not be able to refinance and stop the application. The person whom I could talk to tried to get in touch with the team or the team leader who is handling my loan but there is no response. Despite having no response, I am told that this can not be refinanced.
Consumer complaint received 2021-01-17
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX I sent a ltter regarding inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like the credit bureaus are taking advantage of me by ignoring my disputes I took time to send them. Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove promptly. I demand these accounts be deleted immediately or I will file litigation due to the stress you cause me. My information was impacted by the XXXX  data breach and may have got into the hands of the wrong person. I am begging for help at this point
Consumer complaint received 2015-03-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: National Credit Systems,Inc. (FL)

I have successfully contact the debt collector to arrange my file but i was told that they could not provide me with the information. i was asking to find out what is it that they are charging me for ( invoices, letter, etc ). They did not provide the information for my inquiry.
Consumer complaint received 2022-01-20
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: NAVY FEDERAL CREDIT UNION (FL)

TCPA violations can result in penalties of up to {$500.00} per violation, with willful violations trebled up to {$1500.00} per violation. There is no cap on statutory damages so thousands of violations can result in millions of dollars in penalties. 

NAVY FEDERAL CREDIT UNION HAS CALLED ME 102 times = {$23000.00} For violating my consumer rights and Financial harnesses send my check too : XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2021-05-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: FIRST GUARANTY MORTGAGE CORP (NJ)

On or about XX/XX/2013 I took out a XXXXmortgage from XX/XX/XXXX who sold to First Guarantee Mortgage Corp. I was told I needed to hire an inspector from their list of approved inspectors. I hired the inspector that prepared the list of all the work needed. I hired the contractor to do the work. The contractor swindled me and the lender payed out over {$30000.00}. for material paid by me prior to hiring the contractor. For work never completed and work not done in accordance to the written work order. I sued the lender for damages and the matter was dismissed with prejudice by a judge of the superior court in XXXX XXXX. I was broke, about to loose the house in foreclosure because I did not want to pay the bank until they addressed what had just happened. I couldn't afford to hire a lawyer and no one would take my case on contingency. I did not know how to properly present all the evidence to the court and the judge told me I was wasting everybody 's time and told me he was not going to allow that. But I still had evidence that the bank did not ensure that I was protected and that all the laws were followed before they disbursed all the money I borrowed which the lender held in escrow, violating the fiduciary relationship. HUD put a {$60000.00}. lien on my house and I can't even refinance to get a better interest rate without paying the lien. So years later I am still under the huge burden imposed on me by a fraudulent lender. I had to pay for all the work to fix the house, pay the mortgage, pay back the money I borrowed to fix the home and pay the lien, while the lender literally gave away all the money I borrowed to a crook. I need help! The lender can't just get away with what they did just because I didn't know how to file my evidence in court.
Consumer complaint received 2015-05-08
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Oracle Financial Group LLC. (TN)

I keep recieving calls from a company, OSC-LLC, phone number XXXX, trying to contact a person who does not live in my house. I get a recorded message saying to press a button to speak to a representative, or to call back with the case # # # # # #. I have called back to this company and informed them that the person they are looking for is not a member of my household and to stop calling me. Last week I spoke to a male at this company and was assured that they would take my number off of thier list. Today, XXXX, I recieve another message from the same company. I am going to call them back XXXX more time and get an address to send a letter from my attorney.
Consumer complaint received 2024-02-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Dispute Regarding Inaccurate INVESTIGATION RESULTS- VERIFIED AS ACCURATE : The disputed item was verified as accurate. 
Report Created On : XX/XX/year> File Identification Number : XXXX Provided by TransUnion XXXX Relations Dear TransUnion, I am writing to dispute the accuracy of information contained within my credit report. Recently, I discovered that a debt, which I had previously paid in full, was verified by TransUnion as accurate, despite my efforts to rectify this matter. 
The debt in question pertains to XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I want to emphasize that this debt was settled and paid off. 
Upon learning that TransUnion had verified this debt as accurate, I immediately initiated an investigation into the matter. However, it appears that no proper investigation was conducted to verify the validity of the debt and its status as paid. 
This erroneous information has significantly impacted my XXXX XXXX and financial standing, causing undue stress and inconvenience. I urge TransUnion to conduct a thorough investigation into this matter and correct the inaccurate reporting as soon as possible. 
I kindly request that TransUnion remove the erroneous information regarding this debt from my credit report and take the necessary steps to ensure that such errors do not occur in the future. Additionally, I would appreciate regular updates on the progress of the investigation and resolution of this dispute. 
Please consider this information in your investigation. 
Thank you for your attention to this matter. I look forward to a prompt resolution and the correction of my credit report. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2017-02-07
Product: Credit card — 
Issue: Rewards — 
Company: U.S. BANCORP (IA)

I submitted an application for a credit card stating a {$200.00} US Bank Rewards Visa Card would be issued after spending {$1000.00} in the first 90 days. I spent over {$1000.00} in the first 30 days and called in to see how to cash in on the {$200.00} reward. I was told by XXXX different employees during XXXX separate phone calls that the card I was issued was not attached to any cash rewards. The picture of the card on the offer and the card that was mailed to me that I used look identical. It 's a US Bank XXXX Visa Business Card. I had a credit of {$18.00} from reward % of my spending, I told them to close my account and send me a check for the {$18.00}.
Consumer complaint received 2024-01-23
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. (IN)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2015-10-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (SC)

A {$55.00} medical bill went overdue and I was not made aware until I was contacted by a collection agency. I paid the bill in full as soon as I was made aware of it. However, in the meantime, the medical office closed and the collection agency has refused to remove it from my credit report. Now I 'm trying to get a home loan and being penalized because of this one single thing on my credit report when I have not had a single late payment on anything else in my entire credit history.
Consumer complaint received 2015-12-14
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP (NE)

The bank that I have my business account with always finds a way to tack on fees. The balance every two hours and they NEVER sleep so posting for withdraws is happening ALL night but deposits only post during normal business hours. The balance that shows up online does not match what they can see in the customer service department and there are as much as XXXX different balances that show up on the online website. I would like to see if this bank can be monitored for fraudulent practices.
Consumer complaint received 2015-11-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

Equifax did their investigation and came back with updated informtion. Well i called the creditors which i will and they all came back and said they have no record on file, how did Equifax investigate without calling the creditors to see if this was my accounts. Also in 2013 i was a victimn of ID theft which Equifax could have done a better job at investigating the inaccurate information becasue its still on my file. 
1.XXXX spoke with XXXX @ XXXX Account # XXXX ( no record on fiel ) 2.XXXX spoke with XXXX Employee i.d # XXXX XXXX XXXX account # XXXX ( no record on file ) XXXX this is the same creditor so its being reported twice. 
3.XXXX spoke with XXXX @ XXXX Account # XXXX ( no record on file ) 4.XXXX Account # XXXX. I have enclosed a letter from them saying for you all to delate this off my credit file immediately.
Consumer complaint received 2016-03-23
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (IA)

I have been regularly monitoring my credit record online since XXXX. I have a schedule by which I contact XXXX of the XXXX major agencies at set points during the year. This has worked well until a year ago. In XXXX XXXX, XXXX refused me online access for the first time. I went through the rigmarole of requesting the report by mail. Then in XXXX XXXX XXXX refused me online access. Again, I sent in the requested info by mail - but also contacted the Iowa Attorney General, which assisted me. Eventually I received a paper report. Now today ( XXXX ) I was refused online access to my record with Equifax. I 'm tired of this. The online process is already unnecessarily complex ( which is probably why my access is denied - they ask these confirming questions about credit history, but my credit history is complicated - that 's partly why I monitor it regularly - and the questions are too simple to know with certainty which mortgage they might be inquiring about, and I presume if I guess the wrong one, they shut me out. ). And once they 've denied a request, doing it by mail is absurdly complicated and time consuming. In any case, I DO want to monitor my credit record, but there 's got to be a less cumbersome process. I 'm left with the distinct impression that for some reason they want to make this so complicated so I 'll give up. I 'm irritated and frustrated. Can you help?
Consumer complaint received 2024-01-23
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. (MI)

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 has violated my rights. Or list of inquiries 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 2022-01-20
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. (OH)

This is CLIENTS NAME, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : 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 Original Creditor : XXXX XXXX ) XXXX
Consumer complaint received 2023-04-03
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. (NV)

PURSUANT TO 18 USC 8, I OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681 B 2 COMPANY HAS ALSO NO PERMISSION TO REPORT ANYTHING USING MY INFO PURSUANT TO 15 USC 1681 4.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AZ)

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a XXXX  for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX, XXXX, IL, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, AZ, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, AZ, XXXX XXXX XXXX XXXX, XXXX XXXX, AZ, XXXX XXXX  XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$10000.00} XXXX  XXXX XXXX XXXX XXXX Balance : {$910.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$910.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$1100.00} XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
Consumer complaint received 2024-01-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (CA)

On XX/XX/XXXX, I noticed XXXX unauthorized transactions in the Coinbase App. I immediately called Coinbase ( XXXX ) XXXX to resolve this issues. At that time, unauthorize transaction caused loss of {$860.00}, and more than {$6000.00} was remained in the Coinbase account. Representative from Coinbase stated that they will initiate internal investigation, and freeze my account to begin verification step. I verified myself with photo of myself with driver license via email, and they unfroze my account. I tried to initiate transfer of remaining balance to my account, and the Coinbase locked transfers until XX/XX/24. Thus, I waited until XX/XX/24, and tried transfer of {$6600.00} to my bank account. However, without notice, Coinbase has deleted my account without my approval, and fund of {$6600.00} is missing currently.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. I demand that you remove the following inquiries 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 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 2022-01-20
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 believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureau is having data and system issues. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. ( XXXXXXXX XXXXXXXX XXXX )