davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-24
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (CO)

This incident occurred with the Netspend company while trying to set up a prepaid debit card purchased : from XX/XX/XXXX. 

Total dollar amount spent {$55.00} Bought a card spring of XXXX and loaded {$40.00} into it. Went to activate in XXXX of XXXX and couldnt activate card : XXXX expiration dates listed : XXXX on the package in which the card came and XXXX on the card itself ( the one on card was XX/XX/XXXX ) I called and tried to activate the card and was told that it had expired. Later told the {$5.00} per month inactivity fee had drained the card. 

A courtesy credit of {$23.00} was guaranteed but not noted on my record when we called the next day. 

Representative who told us we would receive a courtesy credit told us that we would have to buy a new card to loaded the courtesy credit on. 

Upon calling the next day with a new card worth {$10.00} ( activation fee + card minimum ), no one had any record of the courtesy credit. A lady finally finds it and places on hold for 45 minutes before never getting back to us. 

We call back and a new representative tells us there is another {$5.00} fee ( this is not the case, fees were already taken care of, and this was a courtesy credit ) This gentleman then asks to activate the new card, and in doing so asks for my DOB, address, phone, full social security number, and email Gentleman says hell help activate card but then says he actually can not because I need to set up a PIN ( my first time hearing about this ). He tells us hell transfer us to automated PIN line, we say no well do it from another phone and successfully do it Once PIN is set up, however, he says he can not actually unrestrict my account to load the courtesy credit. When we ask for supervisor, we placed in supervisor queue for over an hour before being disconnected We call back and get a new representative who says shell connect us but knowingly tranfers us into the supervisor queue three minutes before the call center closes which we only find out when we call back after another 40 minute hold. 

I think their practices are deceptive and intentionally making it difficult for the consumer to access the funds that they place on the card. This is bad business practice. 

I tried to call their corporate headquarters, and there is no way to reach anyone there either. I typed in the first and last name of many high level executives as was promoted and the automated system repeatedly returned with no matches.
Consumer complaint received 2022-06-24
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. (CA)

in accordance with the Fair Credit Reporting act XXXX XXXX # XXXX and 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-02-07
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. (FL)

XX/XX/2023, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 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 According to : 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 2022-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Since last year I am trying to correct and delete this repossesion from XXXX XXXX  Because is to many inaccuracies been reported by XXXX and Experian first XXXX XXXX report a balance of XXXX then in a second letter they are reporting to XXXX and experian another differnt balance of XXXX and the problem is that if this a charge off both Experian and XXXX must report a XXXX balance. XXXX XXXX is reporting this same account as charge off with a XXXX Balance
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: Experian Information Solutions Inc. (VA)

I was taken advantage of due to malpractice while several laws was being broken under the FCRA by your company. This is causing me financial injury, this is defamation of character, I can not get a job or apply for credit. You are hurting my ability to obtain credit
Consumer complaint received 2022-06-24
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. (FL)

In accordance with the Fair Credit Reporting act : XXXX XXXX Acct # 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 an account without my written instructions
Consumer complaint received 2022-06-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: Revolution Financial Inc. (TX)

XXXX  card XX/XX/2022 XXXX card was having known technical issues to their system. I made one {$50.00} top up ( bank transfer addition to card balance ) at XXXX XXXX that was completed successfully and added to my balance. The same day at XXXX I made another {$50.00} top up that displayed completed in the XXXX app but never added to my balance. Because this top up was necessary for me to make a purchase in the retail store, I had to immediately attempt another {$50.00} top up that was completed and added to my balance. I waited for the XXXX top up to appear in my balance but it never arrived. I contacted XXXX repeatedly asking for all receipts for top ups made on XX/XX/XXXX, the customer service reps provided 2 XX/XX/XXXX receipts and an already completed XX/XX/XXXX top up as evidence of the completed transactions. I acquired my bank statement that clearly showed the 3 {$50.00} transfers to XXXX bank on XX/XX/XXXX. XXXX refused to acknowledge that their system applied one of my XX/XX/XXXX transfers to a past completed transaction. I have evidence from my bank that all 3 {$50.00} transfers to XXXX were completed and taken by XXXX. I have been dismissed and ignored by XXXX customer service with no one willing to help. 
I requested XXXX provide me the receipts and as stated only 2 {$50.00} transfers appear in their documents all times correspond to my bank statement with the one {$50.00} transfer stolen by the XXXX system. Please Help
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The discrepancies on my credit report are seriously holding back my financial freedom. Every time I apply for new credit, I get denied because of these errors. It's incredibly frustrating to feel like my rights as a consumer are being ignored.
Consumer complaint received 2022-06-30
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: Komyatte & Casbon, P.C. (IN)

My consumer rights are being violated. I have contacted this company for debt validation and have also sent a notice to cease and desist of all illegal activities and communications. It has been well over 30 days, and I still haven't had a response. I have no contract with this company, nor have I been provided with any information with my signature staying I have agreed to do business with them.
Consumer complaint received 2020-05-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

Started on XX/XX/XXXX, when a charge of {$1800.00} was made at a target in XXXX, Delaware. I called because i saw the charge and i disputed and they were supposed to lock my account. But the account was not locked so on the XXXX of XXXX, two more charges were made at a XXXX  for {$770.00} and {$1800.00} in the same state of Delaware. Mind you i live in Virginia  and i just got back from basic and XXXX. I've never been to the state of Delaware. USAA told me that i authorized the charges when i never did. Then it continued when they still hadn't locked my account. On XX/XX/XXXX, two faulty checks of {$5000.00} and {$4200.00} were deposited in my account. Then the money was sent out through XXXX XXXX and XXXX XXXX, i called usaa and opened a fraud claim and assured them that i did not cash in these checks. After a couple of days they came to the conclusion the checks were indeed faulty and they would be resent. And since i am the owner of the account i am liable. i lost {$5600.00} of my own money i had before this and now i will have to pay them almost {$10000.00}. The checks do not have my signature on them, and they are from states i have never been in. USAA have concluded my claim and they will not review it anymore. Also i have just received my bonus on XX/XX/XXXX and they are using that to pay off faulty checks i had no business in doing. The checks have my name on it but they are not my signatures, they were also not deposited through my phone. USAA in all honesty have not helped at all and have mislead XXXX with info for three weeks straight now.
Consumer complaint received 2020-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX {$3300.00} XXXX XXXX XXXX {$210.00} XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX {$1400.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}
Consumer complaint received 2022-09-02
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: Cascade CISS Holdings, LLC (NC)

XXXX XXXX/FTC REPORT cover letter/ social/ID XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX XXXX- XXXX XXXX- XXXX I personally did not authorize or submit to any inquiry or credit check from ANY of these companies. One company was even able to pull my credit file TWICE IN two days! I never approved or even attempted to have my credit pulled bc at the time I was highly financially affected by XXXX. From immediate family to extended family to myself. There was no way I could afford any big purchases that required credit pulling. I'm asking that ALL of these inquiries be IMMEDIATELY removed from EVERY CREDIT BUREAU due to fraudulent reporting and sensitive information misuse. This is immoral and illegal. I never spoke to these people, never met these people, let alone give out MY SOCIAL SECURITY NUMBER for items or services I KNEW I could not afford or maintain. This is an EXTREMELY URGENT matter that needs to be taken VERY SERIOUSLY. I am willing to proceed under a court of law if necessary.
Consumer complaint received 2022-06-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

My card was lost and there was fraudulent charges over {$10000.00} Bank of America denied my claim stating it was authorized. I Appealed the claim and send evidence from the merchant stating that the transaction was not dont by me and they said to do a charge back to receive my funds. 

Still now Bank of America has not giving me my provisional credit for the total amount even though they are supposed to I need my funds back
Consumer complaint received 2024-10-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC. (NJ)

This is the 3rd complaint and the company just refuses to fix my issue and blames for not paying a bill I can not pay. I have called and called and no one knows whats going on nor can any fix their broken system and I am being punished for it. Please step in and force Ally to immediately fix the pay system so I can make payments. They are forcing me to pay a fee each time I call because their system does not work for me via app or internet
Consumer complaint received 2022-06-24
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. (CA)

The problem is regarding to my credit score. on XX/XX/2022 my credit score was XXXX and on XX/XX/2022 my score decrease by XXXX points to XXXX there is no change on report, 0 % debt on my credit cards, no delinquency, only 1 inquiry in last 2 years and everything else is in a good standing. I talked with Experian They have no answer for me and they can not solve my problem and I even spoke with FICO they can not do anything either. Please help me to solve this matter. 
This is my official statement for file a complaint against credit bureau, in this case, EXPERIAN.
Consumer complaint received 2022-06-24
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (MD)

Quicken Loans provided an FHA Loan to individuals for a property, XXXX XXXX XXXX XXXX DE in XX/XX/2021 which is not their primary residence. Individuals have never lived at the property and are renting the property out and using the property for a store location. The tax records state the address where the individuals are living ( XXXX XXXX XXXX XXXX ) and have been living for the past 13 years.
Consumer complaint received 2023-02-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NY)

I was victimized by a wire fraud transfer scheme. I received a text from the Fraud dept at chase ( I. now realize it was not really chase ) about an attempted fraudulent transfer from my chase bank account. I then received a call from a chase representative who explained my account had been compromised and I would need to close my account and transfer money to my new account. The representative claimed to be helping me with this. I believed I was talking to chase. In the middle of this call, I was disconnected. I called back to the number in the text message I received and tried to do a wire recall. I worked on that into the evening on XX/XX/26, but then realized I had been locked out of my account. It was not until the next day while talking about it to a friend who had listened to a podcast about this scam that I realized that I had been further scammed when I thought I was reporting the fraud. I then called real chase and made an official claim for unauthorized wire transfer. The fraudster cleaned out my account and sent all the money to an individual I do not know and did not authorize. On XXXX, I received a denial of my claim from Chase Bank. I spoke to a representative today, who told me I would be unable to appeal my claim. I know that this is an unauthorized wire transfer and under the Electronic Funds Transfer Act, Regulation E the Bank is not entitled to more than {$50.00} in liability against me, even if I unknowingly participated in the phishing scheme, as long as I report the fraud timely which I did. I want my money back. I did not authorize its transfer and Chase is wrong for denying my claim. I have also made an FBI complaint related to the fraud.
Consumer complaint received 2022-06-24
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :. Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX Account Number : XXXX Please remove it from my credit report. 
Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX XXXX Account Number : XXXX Please remove it from my credit report
Consumer complaint received 2020-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (GA)

Fedloan servicing reported i was late making payments in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX in 2015. I was not late because these payments were deferred and were not due at the time of reporting. I will like these payments to be updated as current due these payments being deferred and being in forbearance.
Consumer complaint received 2023-02-07
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: U.S. BANCORP (KS)

I was provided a prepaid government issued debit card for unemployment benefits from US Bank. Starting in early XXXX without notice US Bank locked this card, which had a significant balance, and requested that I provide a copy of my driver 's license and a " selfie ''. I received a letter on XX/XX/XXXX after the account had already been locked. Unemployment had already verified my information. When I called about my concern that this sounded weird and that my other credit cards and bank did not require this, they told me that they were requiring this from everyone and my other financial institutions would probably start asking for it as well, which they have not! I said that I have had my identity stolen in the past and I was not comfortable with this and asked that my account be closed and send the money back to unemployment - not even me, just the " entity ''. They said that when a card has been locked they can not close an account. The letter I received said that if they did not receive the copy of the driver 's license and a " selfie '' by XX/XX/2023 that the account would be closed and the remaining balance would be returned to the " appropriate entity ''. It is now XX/XX/2023 and the account is still not closed and they have not returned the remaining balance to the unemployment office. I have a working spouse, what if I was single and had no other income?
Consumer complaint received 2020-08-04
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: Avant Credit Corporation (CA)

Avant reported my account over 30 days late even though we had an agreement in place which I sent to XXXX. XXXX lets things go 45 days with out a response but again the consumer gets the shaft because these banks control XXXX. The other credit bureaus have already removed these items after I sent documentation. So I am going trust that XXXX  even did the investigation. My next plan of action is filing a lawsuit against XXXX and Avant.
Consumer complaint received 2020-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MS)

I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items.