davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (GA)

I had three credit cards with Barclays. An UBER card, an XXXX XXXX card, and an XXXX  card. The UBER card is the only one I had been using and it was the main credit card I used on a daily basis. In late XX/XX/XXXX, I got a letter from Barclays saying they had closed my XXXX XXXX card due to inactivity. So I went online to see what was going on and found out they had already also closed my XXXX card. Now this was a big deal to me because the XXXX card had rewards on it worth over {$1000.00}. So I called Barclays customer support the next day and ended up having to talk to a manager. The only thing the manager told me was Barclays could close my credit card without notice for any reason. And as much as I tried to get her to comment on the rewards I had, she would not comment on them. Then I notice in Barclays terms and conditions for the XXXX  card that they had a mailing address set up for customers who wanted to make a formal complaint. So I wrote a letter and mailed it via USPS certified mail. Ive been waiting for over a month and have not received a response. 

The letter I sent Barclays is attached. It includes more detail such as the fact that I was checking the Barclays web site every month using Barclays mobile app for the XXXX. And even after Barclays closes your credit card, there is no notice in the app that the card has been closed. The card account just shows up completely like a normal account. So there was no way for me to realize the card had been closed. Ive got screen shots of Barclays XXXX app included in the letter that shows this. And there is an XXXX  card account statement included with the letter showing the amount of rewards I had in that account. 

The USPS tracking number for the letter I sent Barclays is XXXX. If you check the USPS web site you can see I mailed it XX/XX/2019 and Barclays received it XX/XX/2019.
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: Experian Information Solutions Inc. (GA)

I submitted a letter to the 3 Credit Bureaus on XX/XX/22 to update this suspicious information. I think the credit bureaus 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 COMPLAINT # XXXX, XXXX, XXXX, and I'm including it again. 

XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; CAPITAL XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$50000.00} ; XXXX XXXX Balance : {$14000.00} ; XXXX  XXXX XXXX Balance : {$4400.00}
Consumer complaint received 2022-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE (AZ)

I closed my account with Barclays Uber Credit Card in good standing and 0 balance. i maintained that account, always paying in time for over 3 years. They changed the benefits of the card so i called to close and verify cards and account 0 balance and closed. 

Date was closed XX/XX/XXXX. I verified 0 Balance on XX/XX/XXXX via phone call.They verified account was closed and 0 balance and revoked my online access and cards. 

Starting in XXXX, Barclays began reporting late payments in XXXX because they allowed charges of approx {$50.00} on XX/XX/XXXX on this closed accounts. 

I was first notified of this bill in XXXX when i saw my credit score drop from XXXX XXXX XXXX!! On XX/XX/XXXX i called barclays and was told they were sorry and would clear it up. End of XXXX i received a letter only telling me to call them! Now i call today and they say the same thing. They will take care of it but in the meantime i am applying for mortgage and my credit rating is XXXX XXXX lower because of their false claim. And, as of today all i have is promise that they will fix but they did this already and nothing happened.
Consumer complaint received 2022-08-08
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. (VA)

Upon reviewing my reports, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX Balance : {$5400.00} XXXX XXXX XXXX Balance : {$8900.00}
Consumer complaint received 2020-01-31
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nextep Funding LLP (WA)

Nextep funding  and XXXX  XXXX  are reporting to my credit that there is amount owed. There is nothing owed by me to thirst companies and I have written emails from said companies stating it was to be removed months ago and has not. This is needs to be fixed ASAP
Consumer complaint received 2021-04-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (NJ)

I have been receiving collection notices for a cable bill from XXXX. I sent a debt verification letter dated XX/XX/XXXX and I received a letter dated XX/XX/XXXX from XXXX listing transaction info, their licensing info from NC and NY. I reside in NJ. No information provided by XXXX that I signed an agreement for XXXX XXXX XXXXhis debt does not belong to me. Furthermore, the information provided by XXXX is from XXXX. I believe there is a statue of limitations and this company is illegally trying to collect on this frivolous debt.
Consumer complaint received 2019-08-29
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: KEYCORP (NY)

XX/XX/2019 KeyBank charged four overdraft charges of {$38.00} posted to our account when our account had a positive balance. The first overdraft charge caused us to go into a negative balance, once our account had a negative balance three charges that we had made posted to the account and we were charged the other three overdraft fees because their first overdraft fee on a positive balance account caused us to go to a negative balance. Attempted to resolve and was given many no 's before only managing to squeeze one waived fee from them. All of this occurred while our online banking showed that we had a positive available balance.

XX/XX/2019 The overdraft fees mentioned above did not show on our account until this morning, a full day after they were supposedly posted to our account. Our online banking showed a positive balance the entire day on XX/XX/XXXX so we used our account. Because of this, the four transactions that we're made on XX/XX/XXXX will also cause us to receive four more overdraft fees even though their system relayed to us that there was no issues with our account and that we had a positive balance. These are unethical and negligent practices.
Consumer complaint received 2022-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account XXXX XXXX, MD Child Support Account # XXXX, XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX, and XXXX XXXXXXXX XXXX  Account # XXXX XXXX XXXX XXXX have violated my rights. 

15 U.S.C 1681 Section 602 A. states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2. also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-01-10
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. (IL)

I have previously disputed with XXXX, XXXX and equifax on XX/XX/2021 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Consumer complaint received 2020-01-31
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Harris & Harris, Ltd. (MD)

I have submitted a certified letter to this creditor requesting validation of this debt and I specified please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. This creditor failed to provide that documentation. The only information they sent was my name, the account number and the amount owed.
Consumer complaint received 2018-04-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (GA)

In the beginning of XX/XX/XXXX, I spoke with XXXX XXXX, my account manager and advised that Id received a check from my insurance company for roof damage and needed the correct process to get the check released as both my name and the mortgage company was listed. I was advised to start the " loss draft '' process. The first step was to send the check and insurance documents to a XXXX IL address, which was incorrect. A week later, I received a packet which instructed me to send the check and insurance documents to a XXXX Tx address which was done. I placed a follow up call on XX/XX/XXXX and was told by the same account manager that my documents were received and that I would need to send additional documentation as my claim is monitored due to default. I advised him that my payments are current ; which he agreed and stated that the system is showing the payment amounts in a suspended status. He explained that he had to reach out to the accounting department to have the payments applied. However, my loss draft claim/insurance check payment will be delayed as a result of the misapplied payment. In the interim, the repairs on my home are still in limbo-almost 2 months later. This is the 3rd time in less than a year that Ive had payment processing issues with Fay Servicing. Im not sure that this is legal. 
1.My ask is that my payments are updated in the system as expeditiously as they are withdrawn from my bank account. 
2. Please ensure that my insurance check is released within the 3 day period as with all good standing accounts ; which was outlined with my original documentation- 3. Please coach, teach and train your associates. " Im not in Loss Draft '' is never an acceptable response when a customer has an unresolved issue.
Consumer complaint received 2022-02-02
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. (AZ)

I was checking my credit report and these accounts still on. 
Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information. 
I dont know how to delete it from my name
Consumer complaint received 2021-04-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: ALLY FINANCIAL INC. (MA)

In my CFPB No. : XXXX complaint about Ally Bank payment services I reported that the limit Ally Bank advertises to consumers for person to person payments using a service called XXXX is factually false. 

As part of my report I requested the following " I would appreciate that Ally Bank provides an explanation how it arrived to the figure of {$2300.00} for the payment limits for XX/XX/2021 and how that calculation corresponds to the advertisements of the service made to consumers. '' According to the description of the service published on Ally 's website my limit for payments using XXXX service should be {$5000.00}. 

Ally 's bank in its response to my complaint stated that " pending XXXX payments count toward the maximum outstanding limit, even if the payment was arranged on a different day. For clarity purposes, any pending XXXX payments will count towards your daily and monthly outstanding limits. '' In its advertisement of the XXXX payment services Ally Bank failed to disclose to consumers that ANY pending payments, even if they are arranged to be sent on one day, count towards the daily limit for payments to be sent on a completely different day. Such description of the service is not in accord with a commonly used definition of the concept of daily limit since daily limit implies payments to be sent on one day.
Consumer complaint received 2021-04-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (NY)

Initiated a bank transfer from XXXX to Coinbase. XXXX sent a fraud warning. I locked my account and froze transfer per XXXX direction. Re transferred money 4 hours later when fraud scare was cleared. Money landed in my Coinbase account. Coinbase allows trading prior to full account transfer. I purchased {$1300.00} XXXX coin. On XX/XX/XXXXmy position in XXXX was liquidated by Coinbase and money was gone.
Consumer complaint received 2018-10-13
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (NC)

The added late payments to my account and I submitted all the papers needed. They told me to dispute it online and I did. I just want the late payments taking off my account. Ive never had any before. And its effecting me buying a house.
Consumer complaint received 2022-06-25
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: Experian Information Solutions Inc. (PA)

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. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX , U.S. Department of Education XXXX XXXX, XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2022-01-10
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (DC)

On XX/XX/2021 I initiated a wire transfer online from the XXXX to a beneficiary in XXXX. XXXX weeks later the amount has still not been received and Chase has provided no indication on how it will be resolved. I have reached out to Chase via multiple avenues, that is calling XXXX different departments by phone, online portal secure message system, and appearing in person at my local branch, and no party will take ownership over investigating the missing transfer. I have merely requested a SWIFT confirmation receipt to provide the beneficiary bank with tracking information or just the Unique End-to-End Transaction Reference ( XXXX ), which is standard information that all member banks performing international wire transfers through the SWIFT system should possess, but departments reachable by phone have pointed me only to an online portal, the online message portal directed me to the local bank branch, and the local bank branch refused and/or was unable to process this simple data request because I did not initiate the wire transfer at that bank. Further, the Chase Wire Transfer Department does not maintain a department reachable by phone ; therefore I must wait 1-2 business days to receive a response to my ongoing case. It is unacceptable that through over a week of my consistent attempts to gain more information, Chase has provided no answers or transparency, and made no attempts despite my daily requests to make resolution of this issue.
Consumer complaint received 2022-06-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: JPMORGAN CHASE & CO. (NY)

THIS IS NOT A DUPLICATE COMPAINT OR MATTER : I was promised a XXXX inducement for signing up for a new account. When I called to day the lady first disagreed then agreed then I told me I would have to go into a branch to get it and I informed her I am XXXX then had to send me to talk to someone else ( I was picked as the lucky person to leave a review after the call was over ) after holding for a long time I hung up.
Consumer complaint received 2021-04-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (FL)

Coinbase Account I want to close this account and withdrawal my money but you can't contact this site by email or phone they withdrawal money from my account with no authorization and overdraft myXX/XX/XXXX account.
Consumer complaint received 2022-07-29
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: Experian Information Solutions Inc. (NC)

IN accordance with the fair credit Reporting act, Account # XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX, XXXX # XXXX XXXX XXXX, XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, XXXX # XXXX XXXX XXXX, have violated my rights. 15 have violated my rights. 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C Section 604 A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions ( I DID NOT GIVE THEM WRITTEN PERMISSION ) 15U.S.C 1681 ( 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 crime which antedates the report by more than seven year
Consumer complaint received 2021-11-19
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: U.S. BANCORP (PA)

I XXXX XXXX, consumer, natural person and original creditor of an open-end credit plan. I received a letter via U.S mail from U.S Bank XXXX XXXX U.S. Bank denying me of my right of credit on a open-end credit plan. Pursuant to XXXX XXXX defines the Truth in Lending Act, I am a natural person who possess an open-end credit plan who was harmed by U.S. Bank XXXX XXXX action taken against me. Denying me of my rights holds U.S. Bank civilly liable. The damages pursuant to XXXX ( a ) ( XXXX ) ( A ) ( iii ) are up to {$5000.00}. U.S Bank is now civilly liable to pay me for the damages.
Consumer complaint received 2021-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NJ)

XXXX XXXX XXXXXX/XX/XXXX XXXX, New Jersey XXXX SS # : XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. See the attached copy of my credit report ; the errors have been highlighted. Here as follows are items in error : The following personal information is incorrect Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX The following personal information is incorrect Address ( es ) : 2 XXXX XX/XX/XXXXXXXX, NJ XXXX The following personal information is incorrect Address ( es ) : XXXX XXXXXX/XX/XXXXXXXX, NJ XXXX The following personal information is incorrect Address ( es ) : XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX The following personal information is incorrect Address ( es ) : XXXX XXXX XX/XX/XXXXXXXX, NJ XXXX XX/XX/XXXX The following personal information is incorrect Employers : XXXX XXXX PLEASE REMOVE THESE ADDRESSES AND EMPLOYMENT INFORMATION BELOW AS THEY DO NOT BELONG TO ME AND THE INACCURATE INFORMATION BELOW IS PREVENTING ME FROM OBTAINING CREDIT I BELIEVE IT MAY BELONG TO SOMEBODY THAT HAS A SIMILAR NAME AND ADDRESS. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

I have enclosed a copy of my driver 's license and utility bill as proof of identity. 
Sincerely yours, XXXX XXXX XXXX