davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-12
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (TX)

I'll start from last year. I left the country ( USA ) for XXXX in XXXX and did recovery after that in XXXX. I made a payment to the company via phone because I lost my card and couldn't access my account. I pleaded with the company to make my bank already linked to my ACCT on autopay as I won't be in the USA long enough to receive a new card to access my account. The company has many notes regarding issue. I left XX/XX/XXXX After returning XX/XX/XXXX I had letters from Barclays regarding the account, when I looked at the balance I noticed it was substantially higher then it should be. So I contacted them and discovered to purchases where made on the account when I only made a single purchase so I set up my fraud claim. 

Most of the times because I travel a lot m, y fiance handles the billing issue. But I never used my Barc card more than once so I would always lose it, fiance would forget the password and a new card would be needed so I never really took notice to the account amount. 

Once I noticed the account was used again per agent knowledge I set up a claim. Barclays denied my claim because they said the card was used in the same location. 

But when I was notified of the date I thought back and knew immediately there was an issue as I propose to my fiance in XXXX during the time of the transaction and wasn't even in the state. 

- When I set up case initially I was told not to make any payments on the account but continued to receive missed payments on a credit report and also received missed payment when I called and advised Barclays to put my account on autopay.
Consumer complaint received 2018-12-13
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. (MA)

I'm not sure why i keep getting the same parrot information from the XXXX, EQUIFAX, AND XXXX  that they've verified the public records BK CHAPTER XXXX shown on my credit report. My questions are : What happened to the new and relevant information I sent to those companies, which proved this bankruptcy is inaccurate? Did they pass these information on to the court during your investigation? Does court actually verify them. Every day I cant get approved for anything I want, it is causing me emotional stress. I just simply want the inaccurate information removed or thoroughly investigated. I dont know a whole lot about credit bureaus and credit reports, or the way they actually process their investigation, but Im good at research. I believe they use a system called XXXX to handle investigations. Please should not rely on this system because its not 100 % accurate and its not fair to the general consumer. From my research on the FTC web sites in the last couple of months, you cant parrot information from the creditor and collection agencies, and public record keepers. They must perform a true investigation under the definition of FRCA. 

Look that the 2 cases below : XXXX vs. XXXX  revealed that the bureaus have 'grave responsibilities ' to ensure the accuracy of information and that it " must consist of something more than merely parroting information received from other sources. '' Basically, they can't just be parroting information back and forth between the bureaus and the consumer. They actually have to investigate. 

The cases stated that the " Verification might be accomplished by uncovering documentary evidence that is sufficient to prove that the information is true. See XXXX, XXXX XXXX at XXXX. '' And also " a reasonable jury could find that XXXX either knowingly or recklessly reported debts as verified without obtaining sufficient documentation to support that determination ... We, therefore, hold that a reasonable jury could find that XXXX willfully violated 1681s-2 ( b ) when it reported the XXXX/XXXX and XXXX  accounts as verified without obtaining sufficient documentation that the debts in fact belonged to XXXX ''. 
Verify directly with the court. There are a lot of discrepancies these days when it comes to credit reports and I just want them to provide me with the verification of this item and that is reporting 100 % correctly. 

These cases above explained in detail how the true verification should take place with the bureaus. 
I actually went ahead and attempt to verify with the XXXX, and the actual court and these are the responses i received as shown attached.
Consumer complaint received 2018-05-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (NY)

coinbase.com - isnt ' their a us law that states that i an institution holds your cash, they are no way shape or form allowed to keep you from yourn cash? when obama wasa prez, you had him going to florida and tell those law ppl their fired and he endforced the laws but now you got a pseudo banking institution which has my cash in their institution. i orgot the password for the account and dont ' remember the password for the email address. so i called coinbase.com at XXXX XXXX XXXX XXXX so i give her my name password, and then shes ' like last 4 of your phone number., im gon na fax you some personal identificatrion and shes like we cant conrtinue if you cant give me your last four of your phone number ; so i go, gim me an email address, ill send you 17 ids and my ssn and i go, excuse me itrs my cash you cant no youre not allowed to not give me access tro my money, so i finally go do you have a supervisor i can talk to and shes like sure and hung up. my name is XXXX XXXX XXXX XXXX XXXX nys XXXX
Consumer complaint received 2022-08-22
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. (NY)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-09-15
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BARCLAYS BANK DELAWARE (NM)

Barclay 's recently acquired accounts from XXXX bank in XXXX. During the transfer, autopay was turned off and not reactivated on my XXXX account. As a result, multiple late payments were accrued and reported to credit reporting agencies. I was not aware that they were no longer honoring the automatic payment agreement. I found out about this today and paid the balance owed and fees plus the current payment ( {$230.00} ). Barclay 's refuses to remove the delinquent marks from my credit record.
Consumer complaint received 2022-07-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Atlanticus Services Corporation (UT)

ON XX/XX/XXXX I PAID OFF MY ASPIRE ACCOUNT IN THE AMOUNT OF XXXX. I ACCIDENTALLY PAID IT OF TWICE. IN TWO PAYMENTS IF XXXX Totalling XXXX. 
I contacted Aspire on XX/XX/XXXX via text chat. I texted with XXXX. He said " I will have a refund request forwarded to the appropriate department. Please allow 7 business days for internal processing and an additional 10 business days for you to receive the refund check. 
Then on XX/XX/XXXX Aspire closed my account out of the blue, saying because of " inactivity on my card ''. 
This made my credit score drop XXXX points! I have had XXXX XXXX on time payments. 
Then on XX/XX/XXXX they said I was issued a refund. 
They didn't send a direct payment to my bank account. I called the on XX/XX/XXXX to see when I could expect a payment, if they sent it to my bank account. 
I talked to XXXX. Then he told me no, it wouldn't be going directly to my bank account, that I would have to wait another 7-10 business days for them to process a check, then wait another 7-10 business day to receive my check in the mail.
Consumer complaint received 2021-06-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF THE WEST (OR)

My account was hacked they informed me today. They keep deleting my password for account access. I just want charges reversed and my money mailed to me. 
I have called and waited on hold hours numerous hours actually numerous times with no pick up on their end. For a bank to not answer their phones and leave people for hours on hold and then to aggravate it not answer calls for hours when it rings its just criminal what theyre pulling in this bank needs to be reprimanded at best. 
Colorado Bank of the West is worst bank Ever They took my social security check to cover a hackers accessing and spending my money from XXXX ...
Consumer complaint received 2020-02-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (NY)

My family has owned this home for 37 years. Me and my young daughter left our personal home to move in and take care of my sick dad the past 4 years. My father passed away in XX/XX/XXXX and I, his daughter, have taken over his home since then. My previous mortgage company was XXXX XXXX XXXX, a company of which I never had any problems with. In XX/XX/XXXX, I  received a letter stating my old mortgage company was being transferred to Fay Servicing LLC. From XXXX to present, I have made every payment on time. I purchased cashier checks and sent them priority mail with signature. I began receiving letters in the mail from both Fay Servicing and Fay Servicing , LLC saying that i was not paying the mortgage even though i have every piece of paper to prove it. I have contacted Fay Servicing countless times and have spoken to multiple people, all of which say they cant give me any info until i give them the proper paperwork stating i have the right to speak on behalf of my deceased father. My state attorney has sent all the necessary documents to Fay Servicing which they claim they havent gotten. Prior to my lawyer contacting them and sending out the paperwork, they claimed i was delinquent. My bank gave me statements proving that Fay Servicing received, stamped and accepted XXXX and XXXX payments. XXXX payment was paid and sent out but Fay Servicing returned the payment to me, along with a letter stating theyd no longer accept payments because my house was now in active pre foreclosure. XXXX payment was also paid and sent out but never received by anyone, another which theyre claiming i didnt pay yet. As advised by my attorney, I stopped making payments after XXXX in follow up with the letter they had sent me. Since then, Ive set up a savings account which I deposit my mortgage payments into as if I was paying it. Upon receiving this information, myself and my attorney tried to contact Fay once again. Every person Ive spoken to has told me they cant speak to me on my fathers behalf or give me any information until i submit the correct documents, which again, myself and my attorney already have more than once. Ive been told multiple times Id get a call back about the status of my account and I never hear anything from anyone. This is my childhood home which my dad wanted me to have and take care of after he left. Im doing everything i can to save this house since its all i have left from my parents. Regardless, Im doing what I should and Im paying my mortgage and this company is giving out false information thats putting my home at jeopardy.
Consumer complaint received 2022-07-29
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: Bread Financial Holdings, Inc. (SC)

XXXX XXXX XXXX XXXXXXXX Between the report I received in XX/XX/XXXX and the report from XX/XX/XXXX, this company has changed the dates of the last payment and the first date of delinquency. This greatly manipulates the statute of limitations. 

COMENITYBANK/VICTORIA Between my report from XX/XX/XXXX and XX/XX/XXXX this account is reporting different major delinquency dates with no account history. They are reporting a closed date of XX/XX/XXXX with XXXX. The reporting is inconsistent and falsely manipulates the statute of limitations. 

XXXX This account is reporting two different major delinquency dates between my XX/XX/XXXX and XX/XX/XXXX reports. They are reporting to XXXX a charge off date of XX/XX/XXXX. The reporting is inconsistent and falsely manipulates the statute of limitations. 

I submitted a request for verification in XXXX and a dispute in XX/XX/XXXX. These companies have been allowed to simply update/change inaccurate information instead of being removed from my report.
Consumer complaint received 2021-06-04
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: ROBINHOOD MARKETS INC. (CA)

I have not used my Robinhood investing account in a while. I open it up today, XX/XX/XXXX, to see that they have somehow given me a negative investing balance. There is no statement of the charge or explanation of where it came from, just says I owe them XXXX cents. I tried to close my account, but they will not let me unless I resolve the balance ( see attached screenshot ). 

This balance is fraudulent and I have no responsibility to pay it. Robinhood refuses to close the account unless I do. 

I suspect Robinhood is doing this on purpose so that they can keep accounts open. There has never been any fees and I did not agree to any, furthermore there are no fees or transactions listed in my statements, they literally just made up that I owe them XXXX cents. See the attached screenshot of my investing balance. I do not own any stocks, yet it is reporting a XXXX cent loss. How many others have they scammed this way by taking money off the top without anyone knowing?
Consumer complaint received 2020-02-02
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: BARCLAYS BANK DELAWARE (DE)

some inquiries was posted on my credit report without my permission. 
XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX  XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Brclysbankde XXXX, DE XXXX ( XXXX ) XXXX
Consumer complaint received 2021-06-16
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. (LA)

I HAVE DISPUTED THESE INQURIES MORE THAN THREE TIMES OVER THE PAST YEAR, TRANSUINON REFUSES TO DO A PROPER INVESTIGATION AND REMOVE THEM. 
THE INQUIRIES ARE LISTED BELOW : XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  XXXX Date : XX/XX/XXXX
Consumer complaint received 2022-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OK)

I have disputed information about my XXXX XXXX Acct thats failed to correct the issues that are continuing to add damage to my credit report. My XXXX report shows me having a late payment in the month of XXXX and this is incorrect a payment of {XXXX} was made on XX/XX/XXXX of XXXX. Equifax and XXXX are also reporting conflicting dates of closing on this account. There are to many errors on this account.
Consumer complaint received 2020-03-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SFMC L.P. (TX)

I have vehemently protest and demand that Service First Mortgage recalculate their Escrow amount as my monthly payment on a 30 year fixed 4.5 % interest FHA loan went up by over 15 % from {$2200.00} to a ridicules {$2500.00} I have tried to explain to them this is because of a faulty algorithm the company uses. The amount in escrow and payments were due to insurance claims for a replacement roof, not from regular escrow transactions. These were not real escrow overages or shortages, and certainly not worth a {$3600.00} additionally annually. I am willing to pay the overage for the time being, and the extra {$300.00} but it will be applied to the principal not escrow. This needs to be resolved ASAP COVID-19 virus or not. I have sent copies of this inquiry to the Texas Office of the Attorney General and to the CFPD. With my annual Taxes and Home Owners insurance not going up, there is no reason to be increasing my monthly payment by over 15 %.
Consumer complaint received 2021-09-30
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: JPMORGAN CHASE & CO. (CA)

THIS IS A FRAUDULENT CARD/ACCOUNT! I, XXXX XXXX, DO NOT HAVE A CHASE XXXX CARD ( I'm not a coffe drinker ). SOMEONE HAS HIJACKED MY COMPUTER AND IS OPENING ACCOUNTS IN MY NAME. MY PHONE NUMBER IS XXXX i THINK THEY HAVE MY SOCIAL SECURITY NUMBER. THANK YOU, XXXX XXXX
Consumer complaint received 2021-11-04
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. (NY)

I am a victim of identity theft, the following information is reporting to my credit report is information that I have no relation to. Under FCRA 605B I am requesting that this information is removed from my credit profile with 4 business days of receipt of this information. I have contacted each creditor and they have failed to provide me with any wet signature contracts stating that I owe a debt or consented for them to run my credit report. The following information is fraudulent XXXX XXXX XXXX XXXX XXXX {$150.00}, XXXX XXXX XXXX # XXXX {$4900.00}, XXXX # XXXX {$280.00}, XXXX # XXXX {$1700.00}, US DEPT ED # XXXX {$1900.00}, US DEPT ED # XXXX {$320.00} Inquiries :
Consumer complaint received 2022-06-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (IL)

this the only bank i know refuse me a credit, while im dispute. i have to file a federal complaint. its a standard to assist customers at most banks, XXXX provisional credits but Credit Karma, w/ XXXX XXXX, has me needing to take this route and disclose more far reaching and to masses. the reps at Credit Karma are telling customers they refuse provisional credits to protect themselves, but that hurts the consumer. a Consumer Financial Protection report is needed here because they protect fraud w merchants and themselves, but not the customer in valid dispute. i want the measly {$50.00} provisional credit as is standard w banking, immediate, not after their initial 10 day investigation before this is considered. what a subpar conundrum i just found as new cust to this product and service at Credit Karma. here i thought to use this serv and name, for consumer protections, yet, they aid merchant rip off, then its " furthered consumer harms, they say, to protect themselves? is this at XXXX bc i need those trusting what i thought as reputable name brand, to know theyre the least likely to aid/protect consumer, 10 business days/ 14 calendar days in a dispute... they still holding that? until my direct deposit? ill b ending this use.
Consumer complaint received 2018-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: AES/PHEAA (NJ)

I was called today by the XXXX XXXX XXXX XXXX about student loan forgiveness they were able to get all my information and they seemed like a scam. I spoke to someone named XXXX XXXX and he wouldnt give me his last name. They were to send my information to me but never did. Im nervous that my identity will be stolen.
Consumer complaint received 2018-05-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (FL)

Hello, In XX/XX/2017 I got into an automobile accident when a XXXX  driver swerved into my lane. I was injured and then I had gotten an XXXX XXXX XXXX XXXX and was stuck up in a hospital for 7 weeks after that. I am just now recently returning to work and have had 9 overdraft/nsf fees from being out of work. 7 fees in my every day checkings account and 2 in the savings account. I went in and showed documentation of my issue and the store manager tried the best he could. 9 {$35.00} = {$310.00} in fees collected by Wells Fargo. The manager said the company system only produces what we can do to help the situation, and couldn't control it. He said he was able able to recovery 25 % on those 7 transactions in my everyday checkings account.