davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-18
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Blackhawk Network Holdings Inc. ()

I received a virtual prepaid mastercard from XXXX with which I have been making online purchases on XXXX and XXXX online stores. 

I also linked the card with my XXXX account which is more convenient for me to make purchases at ease. 

I recently noticed that my card had been declined being added to my XXXX account and when I tried to find out the reason, I was told that I should contact the issuing bank for details of the decline. 

I have gone on the telexfree website as directed and I could not get a solution to the problem. The phone number on the virtual mastercard does not provide any solution the the problem. 
Telexfree does not have any means of interacting with them when you have problem with the prepaid card. 

XXXX XXXX which is supposed to be the issuing bank had refused to attend to my problem and keep referring me back to Telexfree.myprepaidcenter.com which does not have any solution to my problem. 

All these make me feel it is an intentional act by XXXX to frustrate and discourage us from using what is left in the virtual card. 

Please assist me with your office as I do not have any other place to go to. 

Thanks. 

I will be expecting your response soon.
Consumer complaint received 2022-09-27
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. (IL)

In accordance with the Fair Credit Reporting act XXXX Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Section 1681-s ( 2 ) ( a ) ( 1 ) ( F ) : a temporary reporting requirement for furnishers of credit information concerning consumers affected by COVID-19.

Section 1681s-2 ( a ) ( 1 ) ( F ) provides as follows : ( F ) Reporting information during COVID-19 pandemic.

( i ) Definitions. In this subsection : ( I ) Accommodation. The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease 2019 ( COVID-19 ) pandemic during the covered period.

( II ) Covered period. The term covered period means the period beginning on XX/XX/XXXX and ending on the later of ( aa ) 120 days after the date of enactment of this subparagraph [ enacted XX/XX/XXXX ] ; or ( bb ) 120 days after the date on which the national emergency concerning the novel coronavirus disease ( COVID-19 ) outbreak declared by the President on XXXX XXXX XXXX under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates.
Consumer complaint received 2020-11-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: GOLDMAN SACHS BANK USA (UT)

I was approved for an Apple store card on XXXX at XXXXXXXX XXXX MST, the very next morning I received a promotional email stating new Apple Card users that spend {$75.00} at XXXX stores on their new Apple Card before XXXX within 30 days of opening their Apple Card would receive {$75.00} cash back. In their fine print that i discovered it says only on new accounts opened on XXXX thru XXXX which is very misleading as the email offer states only that it must be purchased before XXXX and within 30 days of opening the account, which my account wouldve qualified for. Its false advertising and the fact that they sent me a promotion to my email for which I was already approved for the account the very next day, a promotion that I wasnt eligible for, is a total bait and switch and if people approved the day before like myself hadnt sought out the fine print, they wouldve made an unnecessary {$75.00} purchase to take advantage of the promotion only to discover they wouldnt receive the {$75.00} cash back. The promotion and the fine print are contradictory and misleading.
Consumer complaint received 2020-11-01
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WAKEFIELD & ASSOCIATES, INC. (MO)

I was admitted to XXXX XXXX XXXX XXXX in XXXX MO on XXXX. 
I was billed both by XXXX XXXX in XXXX MO for their services, and by " XXXX XXXX XXXX of XXXX XXXX ''. While XXXX XXXX in XXXX MO sent me bills to my address and I paid as agreed, I did not receive any bills from " XXXX XXXX XXXX of XXXX XXXX '' because they were sending me bills to a wrong address which I have nothing to do with ( I was in XXXX  XXXX  and was released from XXXX XXXX and gave XXXX  all info they asked me for ). I was not aware of their bills, and I was not informed by XXXX XXXX of any money that I owe to " XXXX XXXX XXXX of XXXX XXXX ''. 
On XXXX " Wakefield and Associates '', XXXX XXXX XXXX XXXX, TN XXXX, ( XXXX ) XXXX reported me to XXXX  XXXX XXXX XXXX for late payments with remarks " Remarks : >PLACED FOR COLLECTION< '' " Original Creditor : XXXX XXXX XXXX '' I did not receive any communication neither from " Wakefield and Associates '', nor from " XXXX XXXX XXXX of XXXX XXXX '' about any money owed to wither of them, and they reported me to a collection agency for non-payment. How was I supposed to pay any money they claim if they don't send me a bill? And then they report me for non-payment. 
This act of reporting me to a credit reporting agency XXXX  hurts me as a customer, and is not based on legitimate billing process. 
Here I request from Consumer Financial Protection Bureau 1. To investigate this case, financially punish the above mentioned actors " Wakefield and Associates '' and " XXXX XXXX XXXX of XXXX XXXX '' for financially harming and punishing an US citizen for things that US Citizen did not have any fault, where there was no due process of billing and informing of charges, so that they do NOT do this dirty strategy in the future and hurt other US Citizens 2. I request that the financially hurting statement of not paying my bill on time is removed from my credit report due to the fact that they did not inform me about any money owed before or on the date they reported me to XXXX  XXXX XXXX XXXX. 

Additional information : I received a few phone calls from " Wakefield and Associates '', I asked them to send me the bill so that I can review their claim and pay if I find that it is legitimate bill for legitimate service. 
Finally on XXXX they sent me the first bill to my real address. After I reviewed it I paid the bill in full. But the fact is that " Wakefield and Associated '' reported me three months before they ever sent me any bill to my address, and this CONSUMER ABUSE should not be allowed in a civilized state.
Consumer complaint received 2020-11-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (PA)

I am unable to gain access to my mortgage information online. I have called Newreez mortgage support line on at least 6 occasions over the last 3-4 week trying to get access to my online account for loan for my property in XXXX XXXX, Md. In a call about 7-10 days ago I was told a ticket with IT would be opened and would be resolved in 2-3 days. I called back days later and they told me it takes 5-7 days to resolve IT tickets and that someone would call me. Non once contacted me. I called back on XX/XX/16, which was more than 7 days form my last call, waiting 20 min on hold for someone to pick up the phone. The person who I think was XXXX XXXX, said he would check the status of the ticket. He then transferred me to collections instead. A woman in collections named XXXX said she did not get a warm hand off and had to verify me again. She also did not know how to check on the status of an IT ticket and instead opened another ticket. She told me the ticket number was XXXX. 

The quality of support that I have received since NewRez took over my mortgage a month ago has been horrible.
Consumer complaint received 2022-09-27
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. (WA)

There's a hard inquiry that I don't recognize, on my Transunion credit report, shown as XXXX XX/XX/2022 Location XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone ( XXXX ) XXXX Inquiry Type Individual I contacted Transunion and their customer service wanted me to file a claim with FTC ( and I'm redirected HERE towards CFPB ), and submit this claim report along with a written statement, to authorize them to remove the inquiry.
Consumer complaint received 2020-11-18
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: CITIBANK, N.A. (PA)

On XX/XX/2019, CITIBANK NA., BEST BUY add a hard inquiry on my credit report per XXXX. 
On XX/XX/2019, XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2019, XXXX add a hard inquiry on my credit report per XXXX.
Consumer complaint received 2023-08-31
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CarMax, Inc. (CA)

Car Max has a XXXX XXXX XXXX i offered on their website that I applied for an had on hold for a few days. It has come to my attention that Carmax has been submitting my information to lenders with out my permission. I have received emails from two different lenders denying me credit I have never applied for. I have received a notice from santander as well as XXXX XXXX XXXX who I have never heard of in my entire life. This is once again a violation of my fifth amendment rights. Carmax has committed identity theft and has used my private information for public use. This is a violation of the Takings Clause and I do not consent to Carmax using my personal information for their benefit. I would like the CFPB to investigate this matter with a fine tooth comb and provide me all the submissions that were submitted by Carnax. The information presented to the companies are totally wrong but my social security number was used and the registered fictious name was used as well. I alledge that Carmax is committing securities fraud against my Estate and should be punished to the highest extent of the law. The disregard for my rights are evident as a representative of carmax did not consult with or discuss any intent when using my information. Infact the car I was trying to buy was in Arizona but the reports of are coming from XXXX, CA. These are two different locations of the franchise. Carmax XXXX, CA is committing Securities fraud and the SEC, XXXX, And FTC should be called into investigate.
Consumer complaint received 2020-11-18
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: I.C. System, Inc. (AZ)

I CREATED AN FTC REPORT IN XXXX OF 2020, BECAUSE A FRADUULENT ACCOUNT WAS PLACED ON MY CREDIT FROM I.C. SYSTEMS WHICH IS ORIGINALLY FURNISHED BY XXXX XXXX. THEY ARE CLAIMING THIS ACCOUNT WAS MINE, SO I REMOVED THE ACCOUNT OFF OF MY REPORT USING THE FTC LAW 605B. THEN THEY RE-INSERTED THE ACCOUNT ILLEGALLY BACK ON MY CREDIT XX/XX/XXXX. WHAT THEY ARE DOING IS ILLEGAL AND IF NOT RESOLVED I WILL BE PRESSING CHARGES.
Consumer complaint received 2020-11-18
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: U.S. BANCORP (TX)

I started receiving Unemployment from Pennsylvania and they issued me a reliacard. I recently moved with my grandmother to Texas and changed the address for my card to be sent. Due to changing my address a lock was placed on my account and my card was made inactive until I verified my identity by sending in my ID my grandmothers ID and a later stating I live with her. I faxed the documents on the XXXX and the XXXX and was told both times the documents were to dark. I faxed them again on the XXXX and they were cleared and re I ever on the XXXX. I was told to wait five buisness days for them to unlock my card and it would be ready to use. It has been over five days and my card is still picked and every time I have called to speak to a representative or supervisor they have just given me the run around and made excuse after excuse. My bills are now past due almost two months and they cant give me a date when it will be unlocked or what further steps if any need to be taken. I have over XXXX dollars that Im not able to access and its very frustrating. Attached below are the two ids I sent I also sent a letter stating I have permission accept mail at my grandmothers house. These are the documents they told me to send in and that they received.
Consumer complaint received 2022-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

Upon reviewing my updates, 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 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 account listed below is still reporting on my Credit Reports and needs to CORRECT immediately XXXX XXXX XXXXXXXX
Consumer complaint received 2020-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

as of XX/XX/2020 i sent a letter to XXXX, transunion, and XXXX  about inaccurate information reporting to my credit report. According to the FCRA Section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I have not Received a response from the Bureaus. On XX/XX/2020 I sent another letter to the bureaus to comply and still no response. It is now XX/XX/2020 and i have yet to get a response from the Bureaus.
Consumer complaint received 2020-11-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have been disputing with the bureaus since XX/XX/2020, some inquiries that I never approved of, and obviously did not obtain credit for. The bureaus did not delete the inquiries, nor did they respond within the 30-day timeframe that they are supposed to respond in. On XX/XX/2020 I decided to give the bureaus another chance and sent another letter to each of them, demanding they delete the inquiries that I did not authorize. It is now XX/XX/2020 and I still have not received any correspondence from any of the bureaus on the status of my request. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
Consumer complaint received 2020-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (KY)

I had a unauthorized fraud alert was added to my experian without my consent i never reported any type of identity theft or anything not only a regular alert an extended 7 year alert. I have tried for over 6 months to fix this i have mailed and emailed all the information they have requested to no avail. I am unable to speak to a live representative on the phone I have been unable to add my phone number to my credit report I have had problems obtaining credit because of this but they continue to put inquires that lower my credit score but I keep getting denied
Consumer complaint received 2022-10-12
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Marauder Corporation (MT)

ok i sold a XXXXXXXX XXXX XXXX to a person in billings in XX/XX/XXXX that person didn't change the title work and spring of XXXX XXXX XXXX in Oregon tried to get me to pay the recovery bill of over XXXX so i had my insurance company fax them a copy of title that states ive not owned it since that time so they told me and my insurance company that i wasn't responsible for the bill..but today i get a letter from a collection agency in XXXX Utah collection XXXX XXXX # XXXX left messages for both companies to respond
Consumer complaint received 2022-07-09
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: Experian Information Solutions Inc. (IL)

It appears to be a few inquiries on my credit report that i am unaware of, it appears that someone utilized my social to potentially get credit cards, and or auto loans under my name. 

Experian XXXX XXXX XXXX XXXX  from XX/XX/XXXX. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX Please investigate this as it violates my consumer rights as these inquiries are obsolete and in accurate.
Consumer complaint received 2020-11-01
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: AMERICAN EXPRESS COMPANY (WA)

On or about XX/XX/2019 my AMEX card was scammed by individuals working as independent contractors for several businesses in XXXX, TX. My wife, an authorized cardholder on the account, notified AMEX of suspicious and out of pattern behavior which included police notification at the time. AMEX noted the information but refused to cancel the card. AMEX has consistently refused to provide any reason pursuant to law or internal policies to justify why the request was minimized or ignored. Their published Security and Safety policy contradicts this. Ultimately the individuals who failed to identify themselves as agents of these businesses succeeded in authorizing the card for XXXX dollars in a 36 hour period. Furthermore, the card limit of XXXX dollars was exceeded by XXXX before the card was shut down. The individuals also lifted the information fraudulently from one of the businesses in question and purchased goods online exceeding XXXX dollars. AMEX has refused to provide information as to why the decision was made to allow the card to remain active or why the card was allowed to reach 150 % of it's limit. I have been adversely affected in every area of my life and my previous credit score that was around 800 has dropped roughly 150 points due to this activity. I feel this is a misrepresentation of their Security Policy as well as the stated card limit. Their failure to take the risk seriously although being advised by an authorized cardholder in conjunction with allowing the card to exceed it's limit when I do not have a pattern of such purchases is a complete failure of reasonable security measures independent of the circumstances surrounding the scammers actions. They have refused to even provide the account number, demonstrating intentional acts to deny me the ability to assemble a defense for the activity. The charges make no sense to any reasonable person and I feel AMEX is covering up their own internal security failures. Their cardholder profile allowed the charges to run, by the time they implemented any measures, massive damage was done, the intent of the scammers. This is not actions any reasonable person would define as appropriate and I will not pay the amount because a supervisor made a poor judgment call. 

The charges for XXXX XXXX involve individuals connected to organized crime who threatened to blackmail me, threatened me if I disputed charges, and threatened my family with violence. I will not pay these charges, full stop, period. AMEX has all the paperwork and reports and the scammers on audiotape.
Consumer complaint received 2020-11-18
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. (NC)

I am filing a complaint to request the method of verification for dispute initiated in XXXX and the subsequent response received on XX/XX/20 Report number XXXX to your recent claim that XXXX XXXX  XXXX Account # XXXX and XXXX XXXX XXXX XXXX  Account # XXXX verified the account they are reporting is accurate.

Be advised that I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. 

In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy and completeness of the information. 
Name, address, and telephone number of each person contacted regarding this alleged account. 
The documentation used to verify the dispute Any automated response or e-Oscar verification is unacceptable. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness.

The items in question is inaccurate and represents a very serious reporting error.

I expect to receive a response within 15 days of receipt of this letter in compliance with the FCRA. If not, I expect this item will be removed from my credit files immediately. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

Thank you for your prompt attention to this matter. I look forward to resolving this matter as soon as possible.