davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-12
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc. (CA)

Sometime in XX/XX/XXXX I bought a prepaid Visa MyVanilla card for XXXX $ plus the initial fee. The card was kept in its packaging and brought with me between then and XX/XX/XXXX. In XXXX, I attempted to register the card, and was unsuccessful. I tried to do so over the phone, and was told that 13 months worth of inactivity fees had been charged. The packaging only states the cost of the initial fee, ATM fees, reload fees, and balance inquiry fees- it does not disclose inactivity fees nor did it contain a cardholder agreement.
Consumer complaint received 2021-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services (NC)

I was under the assumption based on ads, banners on the website and info in the news that my loan would automatically be put in Covid forbearance starting XXXX of XXXX like a few of my other accounts. When I found out that this was not the case only after my credit took a serious nose dive due to late payments I reached out and was told I had to call in and ask for a forbearance, which I did. I asked if they could at least remove the late payments as the since they can tell that I started missing payments at the start of COVID. I explained that I was pregnant and had to leave my job out of precaution. I am now back making my payments. 

My complaint has falling on deaf ears and. Ow I can not refinance my home due to all the late payments from XXXX and XXXX.
Consumer complaint received 2017-10-12
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: National Enterprise Systems, Inc. (WY)

National Enterprise Solutions is calling my employer every day. One day they refuse to leave a message for me. The next day they say that I better call them back or legal action will be taken against me. I work a graveyard shift, so I am never at work when they call there. They have not contacted me at my personal number or by mail. They are just harassing my employer.
Consumer complaint received 2022-03-14
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 (FL)

I purchased XXXX XXXX XXXX XXXX on XX/XX/2021. However, I received XXXX XXXX XXXX XXXX. After multiple emails to the merchant I was offered the following options : XX/XX/XXXX : Merchant Requested that I send photos of what was received along with a picture of the tracking number to show the correct package was being reference. 

XX/XX/XXXX : Merchant offered to refund {$15.00} to keep the order as is. I declined the offer. 

XX/XX/XXXX : Merchant offered {$35.00} to keep order. I declined the offer. 

XX/XX/XXXX : Merchant offered {$50.00} to keep order. I declined the offer. 

XX/XX/XXXX : Management would authorize {$65.00} to keep the order. I declined the offer. 

XX/XX/XXXX : Offered {$86.00} for items but not {$12.00} for shipping. The original offered free shipping if 2 or more XXXX  were purchased. I order XXXX and declined the offer as I do not need any XXXX 

XX/XX/XXXX : Merchant was to apply for a full refund and advised to wait another 5-7 days. No refund was issued. 

I contacted the credit card company, disputed the charge and was issued a temporary refund on XX/XX/XXXX. The credit card company sent me a letter with a notice from the merchant showing the package was delivered. I acknowledged the receipt of the package ; but, as the previous photos showed the wrong items were in package. I was rebilled by the credit card company and I immediately opened a dispute on the rebill. The information was forwarded to the credit card company on XX/XX/XXXX via XXXX  and XXXX Mail. Both sets of documents were received. 

In the meantime, I place a second order for a XXXX XXXX XXXX for {$96.00} on XX/XX/XXXX. The XXXX never arrived and I disputed that charge. The credit was issued on XXXX but the credit was applied to the disputed amount of {$99.00} and not put back on my credit card as expected. The bank has refused to put the {$99.00} in a disputed status and I now owe {$3.00} due to the differences in the amount charged. I requested to speak with a supervisor multiple times but XXXX ( operator id XXXX ) refused to get a supervisor and said I would have to wait for up to 2 billing cycles for the issue to be investigated. This is unacceptable as I was told at the time of the dispute, I would not have to make a payment for the rebilled {$99.00} until the issue was investigated. Instead of getting my {$96.00} credit to my account it was applied to the open dispute. 

see the attached emails and pics attached showing what was received. You can see the tracking number associated with my XXXX order.
Consumer complaint received 2020-01-11
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: MIDFIRST BANK (MO)

My ex husband and I opened a mortgage with Midland Mortgage on XX/XX/XXXX. In accordance of the divorce decree my ex husband refinanced the mortgage with Midland Mortgage on XX/XX/XXXX. Midland Mortgage kept the same account number but removed my name. Midland Mortgage reported to XXXX  and XXXX  who reported appropriately the account was paid off and closed. XXXX  however has continued to report my ex husband 's mortgage on my report. When I wanted to dispute this with XXXX  I had to pay for their credit monitoring service prior to being able to dispute.The dispute was filed XX/XX/XXXX. The dispute came back on XX/XX/XXXX with report number XXXX that the account had been updated or removed. When I viewed the report it said terminated. The responsibility for the account had been terminated due to XXXX not receiving a response from Midland Mortgage. Now the account reports as terminated when lenders pull my FICO 2 report. It does not report my responsibility for the account was terminated. On XXXX  my report through them shows account PAID, closed on the accounts on my report summary page. When you click on the account it says responsibility terminated account closed. The account still reports payments from XX/XX/XXXX to XX/XX/XXXX. This includes 17 late payments on the account. To add insult to injury the 17 late payments occurred seven to eight years after my name was removed from this account with the most recent late payment being XX/XX/XXXX. This is dragging my credit down significantly according the lender I am working with to try to buy a house. I opened another dispute with XXXX  on XX/XX/XXXX. I can't get ahold of a person at Midland Mortgage to talk to them. The only thing I can do is make an automated payment when I call customer service for Midland Mortgage. When I call XXXX   customer service all they say is I have to file a dispute and the dispute center has to process it. Customer service for XXXX is not able to remove any item correct or not correct. Now the second dispute says, " This item was updated from our processing of your dispute in XX/XX/XXXX. '' The dispute center says it is under dispute until XX/XX/XXXX. I want the credit report to be correct. This mortgage was closed XX/XX/XXXX and paid in full with no late payments on the account.
Consumer complaint received 2022-11-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS (IL)

4th attempt to remove illegal information This complaint is for Lexis Nexis. Everytime I send them a letter in the mail they claim my " identity can not be authenticated ''. No matter how many documents I send them such as copy of my drivers licence and social security card, copy of my current lease, and copy of utility bill which should have been more than enough information to authenticate my identity. So my next step was calling them. When i got a representative from lexis nexis on the phone I informed him that i wanted this bankruptcy removed from my consumer reports because I never gave them or any other company permission to put information on my consumer reports.He told me XXXX sends them this information. Which we all know is a lie. I have contacted XXXX and I have contacted The Bankruptcy Courts and both have informed me that they do not report to credit bureaus and is not responsible for verifying or validating information to credit files. So by you going out and fishing for information you have caused me and my family great hardship. I would also like to add that by lexis nexis going out obtaining my information illegally you have broken the law. 
1. My right to privacy. Lexis Nexis has infringed on my right to privacy pursuant to 15USC 1681 ( a ) ( 4 ) 2. I never gave Lexis Nexis permission to put any information on my consumer report. You need " Permissable Purpose '' pursuant to 15 USC 1681b ( a ) ( 2 ) No permissable purpose/No written instruction. Please remove this bankruptcy from all of your files immediately. Thank You.
Consumer complaint received 2020-01-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (FL)

I am furnishing this complaint against Fed Loan for denying me the right to have student loans removed off my credit because of my criminal record according to False Certification. They found me not eligible by stating there is no evidence that the school was made aware of the disqualifying status. I was not made aware that I might not qualify for employment due to my criminal record for which field I was being trained in because no one asked or gave me appropriate counseling. 

XXXX College, formerly known as XXXX XXXX XXXX College would have been aware ONLY if the school would have INQUIRED about my criminal record prior to enrolling in school. I have no reason to deny that when this is public records and apparently can be found. 

Furthermore, I inquired about the Promissory Note with XXXX XXXX Student Loan Servicing before because I wasnt certain that I had signed on to this and requested that send me a copy. The Promissory Note has incorrect information that I highlighted such as my name. It asked for your whole name and my whole name is not located anywhere on there. Also, there is nowhere on the Promissory Note that ask are you a felony for any type of crime other than for fraud. Nor did I receive counseling regarding a loan or my eligibility for a loan and anyone could have done an electronic signature. 

However Fed loan states you may qualify if you had a physical condition, medical condition, legal status, legal condition or a CRIMINAL RECORD that would legally bar employment in your field of study at the time your school certified or originated your loan. How was I supposed to know this information? They asked about fraud, then they should have asked about other criminal records. 

According to XXXX  and XXXX, XXXX  is where I now reside. Both states have set rules that prevent one from gaining desirable employment in the XXXX XXXX and to provide a XXXX  business for XXXX XXXX XXXX. However ; my criminal record has become an obstacle. I studied XXXX XXXX so that I would have essential XXXX  skills and knowledge to become an XXXX  and to work with XXXX. 

I am not able to get ahead in life and to have been to school and still not able to conquer my dream job is quite depressing and embarrassing. I would like to have these loans removed off my credit immediately. Extortion is illegal and again, I think that the school should have questioned or counseled me before signing up for a program that I cant benefit from. 

I wish I would have known going to school wouldn't benefit me because my criminal record prevents me from gaining employment and becoming an entrepreneur. 

I have attached documents for you to review.
Consumer complaint received 2015-09-08
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I was charged a late fee for paying too early. In XXXX 2015, I made a credit card payment to Capital One. The payment arrived at Capital One on my statement closing date, so instead of applying it to the correct statement, they applied it to the previous statement and declared me past due when the payment due date arrived. I was charged a late fee and had my account suspended even though I paid EARLY!
Consumer complaint received 2022-11-20
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: U.S. BANCORP (IL)

XXXX Compliance Verification and Dispute I hereby request that this account is electronically evaluated as to whether all data is mandatorily perfect and complete XXXX XXXX Formatted Reporting Standards was properly reported within the compliance standards set forth by the Fair Credit Reporting Act ( FCRA ). This includes the mandatorily perfect and complete XXXX XXXX Formatted Reporting Standards, the applicable requisites of the FCRA and the applicable requisites of the FDCPA, and or any other standard or regulation otherwise, be it mentioned or no. All data must follow the XXXX, Credit Reporting Agencies ( CRAs ) and XXXX XXXX XXXX XXXX ( ACDV ). 
The Credit Reporting Act ( FCRA ) and the Equal Credit Opportunity Act ( ECOA ) has been violated by the furnishing of such derogatory account. This account hinders my ability to apply for accounts that others can apply for which denies me the opportunity to obtain credit. 
As the consumer I am being harmed by the data furnisher ( DF ) and or the Credit Reporting Agency ( CRA ) for non- compliance reporting of items on my credit report. I request this item be removed. 
I request to be provided verifiable documentary proof ( e.g., original consumer contract or similar proof bearing my wet ink signature on it you have on file for accounts listed below.
Consumer complaint received 2019-12-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE (CA)

This kind of account is placed as a collection 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 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 2020-01-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (SC)

During XXXX I used coinbase.com as a wallet for Bitcoin. I go through a ton of runaround and verification to access my account for the first time in years : my transaction history is completely blank and my wallet balance reads empty. To be fair I did have a bad habit of tipping people with BTC, so it's possible that I really did cash it out completely HOWEVER I absolutely did for fact make transactions with BTC via Coinbase and now they have hidden those transactions.
Consumer complaint received 2020-01-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

Navient is the worst company to ever exist. Website does not work. Do the people at customer service even work for navient??? They don't know anything about whats going on. Applied for a repayement plan and their website always says an error has occured.
Consumer complaint received 2017-10-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

To whom it may concern : On Friday, XXXX/XXXX/XXXX I received a text message from an acquaintance of mine, jokingly asking if I would be sharing with him a recently issued {$350.00} new-account bonus. I was both surprised and angered that he somehow managed to get this information. Upon asking him how he learned that I recently received such a bonus, he replied that an employee of HSBC Bank in XXXX XXXX disclosed this information to him. 

I immediately called the branch and spoke with XXXX XXXX XXXX banker who allegedly disclosed my account information to a third party without my consent, verbal or written ). I have an individual checking account with HSBC and never had anyone else on the account. Nor was I ever asked or granted permission to share my account information with anyone other than myself. 

XXXX XXXX immediately admitted to making a mistake in sharing my account information with a third party, and apologized for doing so. I was so angry that I hung up on him. I collected myself and called him again. This time he was away from his desk, but another employee promised to have him call me back, which he did promptly. 

During our second conversation, I apologized to XXXX for hanging up on him, however I made it very clear that I was extremely upset that he - or any other HSBC employee - would ever disclose private banking information to anyone unauthorized to have such information. 

Again, XXXX apologized and admitted to his mistake. His apology seemed sincere, and my prior interactions with XXXX XXXX all via telephone ) were always very pleasant. XXXX was the only employee at the XXXX XXXX branch of HSBC who always seemed genuine. He was easy to communicate with, he was prompt in his replies, he was courteous and respectful. He was the last person whom I would ever imagine doing something like this. 

I truly believe that XXXX is genuinely sorry for disclosing my information. I know he regrets doing it. In the end, him sharing this particular bit of my personal account information with my acquaintance did no physical or financial harm to me. Yet, I feel betrayed and violated, and I hope that this does not happen to another customer, with potentially much more serious consequences. 

My hope is that HSBC takes this incident as a learning opportunity for itself and its employees. I hope that some educational material is distributed to its employees for review and acknowledgement. I hope that XXXX does not get severely disciplined for his actions and is given a chance to continue to work for HSBC. I wish him the best, but I also want to ensure that other customers ' privacy is protected moving forward. 

PS - I am not sure if branch phone calls are recorded or not, but I will gladly provide the exact times of when these phone calls took place.
Consumer complaint received 2022-11-07
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)

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, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$380.00} ; US DEPT ED XXXX XXXX : {$320.00} ; US DEPT ED XXXX XXXX : {$560.00} ; US DEPT ED XXXX XXXX XXXX {$1200.00} ; US DEPT ED XXXX XXXX : {$640.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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.