davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-08
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc. (CA)

Dispute was submitted XX/XX/XXXX. 

Here are the details of what happened. 

I received a {$500.00} Vanilla Gift Visa Prepaid card for my wedding on XX/XX/XXXX. On XX/XX/XXXX, after returning from my honeymoon, I opened the packaging which was intact and did not look tampered with and checked the balance on the website VanillaGift.com ( I've had another issue of a VanillaGift Prepaid not being activated after purchase last year, so I check the balances of all gift cards/prepaid cards now ). When I checked the balance, there were several charges to XXXX throughout XX/XX/XXXX and several reversal batch transactions that added funds back in. The total fraudulent charges totaled {$140.00} after all the batch reversals. I called VanillaGift.com at XXXX ext. XXXX and told them about the brand new card being compromised even though the packaging was intact. The woman on the line told me she could see the transactions and reversals and confirmed the card was compromised and she would be issuing me a brand new card. I asked her if the new card would be for the full {$500.00} and she said yes and that it would take up to 30 days to receive the replacement card. 

On XX/XX/XXXX, the replacement card arrived and the front of it shows {$360.00} and to activate it by going to the website or by calling ( There is no way to activate on the website either ). I called VanillaGift.com XXXX ext. XXXX and told her about my experience with the other woman on XX/XX/XXXX. She confirmed she could still see the fraudulent transactions on her end, and that I would need to file a dispute ( she told me to use this Dispute # XXXX ). She said it could take XXXX business days plus 90 days for them to complete the dispute. 

By calling on XX/XX/XXXX, I had already verbally disputed ALL the transactions. I had never used the card and had just taken it out of the packaging. The woman did not give me a dispute form on XX/XX/XXXX. Only after calling a second time about the remaining missing funds was one presented. 

I sent an email and a letter at the beginning of XX/XX/XXXX, and they finally responded. 

Today, XX/XX/XXXX, I received an email from the dispute team saying they saw no errors. The transaction list shows fraudulent activity and batch reversals that are clear there was an issue with this prepaid card.
Consumer complaint received 2022-03-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OneMain Finance Corporation (TX)

Received notice loan was past due around the first of XXXX. Thought it was a scam so we threw it away. One Main Financial sent a new request dated XX/XX/2022, stating that the current balance on this loan was {$10000.00} and they offered a " settlement offer '' of {$5300.00}. I have zero loans on anything. I pay cash for everything and have the last 40 years. I only have two credit cards, which are paid in full monthly.
Consumer complaint received 2021-10-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Firstsource Business Process Services, LLC (NC)

I paid the collection agency " Firstsource Advantage LLC '' {$2100.00} on XX/XX/2021. Despite this payment in FULL, the collection agency is refusing to notify the original creditor, XXXX XXXX XXXX , that the debt is paid in full. Therefore, I have a charge-off of {$2100.00} reported on all 3 credit bureau reports by XXXX XXXX XXXX XXXX Further, I logged into the payment website for Firstsource Advantage LLC on XX/XX/2021 at XXXX XXXX  XXXX and the account STILL shows a balance of {$2100.00} ( documentation attached ).
Consumer complaint received 2022-03-08
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

You were advised by me on XX/XX/2022 by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 

Here again is the incorrect information being reported : 1. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX Account Number : XXXX Please remove it to my credit report. 

Additionally, there is NO law that states a consumer can not use a third party, so using that as your excuse is an irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to ensure the accuracy of my credit reports and now you are stalling the process even further. 

I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XX/XX/2022 is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Consumer complaint received 2022-03-18
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 — Problem with personal statement of dispute
Company: Dream Center Education Holdings (WV)

On XX/XX/2022, XXXX sent me information regarding the investigation results pertaining to a recent dispute with the US Department of Education, as verified and accurate, and I the consumer in fact disagree with the results. 

Under the Fair Credit Reporting Act there is a need to insure that the consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy and adopt reasonable procedures for meeting the needs for commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevance, and proper utilization of such information. 

15 USC 1681 ( e ) under FCRA INVESTIGATIVE CONSUMER REPORT If the information XXXX investigated is accurate, I the consumer in fact demand that XXXX provide me with the name of the person that was interviewed and all information shall not include Factual Information on a consumers credit record obtained directly from a creditor of the consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

The investigation therefore is incomplete and displays unverifiable information that is inaccurate, unfair, and a violation of my consumer rights and privacy, which is a result of fraud and identity theft.
Consumer complaint received 2021-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

This organization is continuously seeking for the debt that I do not owe. I am enclosing my Identification, Identity theft report from the Federal Trade Commission and the Notarized Identity theft Affidavit proving it is in Fact me that submitted this report. I meet all of the requirements for blocking and removing of this account from my credit report under 15 USC 1681c-2.
Consumer complaint received 2022-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Avant Holding Company, Inc. (MA)

On XX/XX/22 I made a payment to Avant credit card company of just over {$35.00} to bring XXXX balance due to {$0.00}. Even before that payment I had {$260.00} to use to shop. On XX/XX/22 I tried to purchase ink for my computer to finish a project. The cost was just over {$71.00} at XXXX. The card was rejected 3 times. Knowing I had funds available I called Avant to find the problem. I was told by the rep that my account was deliquent which it was not the payment due on XX/XX/22 had an amount due of just unbder {$4.00} I paid in the afternoon of XX/XX/22 on time to bring the balance on the account to {$0.00}. I asked to speak to a supervisor after a XXXX minute wait I was told a supervisor would have to call me back. The call came on the morning of XX/XX/22 and the supervisor said there was a technical problem at there end affecting numerous customers. On XX/XX/22 in checking my email I was notified that my payment was recieved. I called Avant to double check to see if there technicsl problem was cleared as I really needed to purchase the ink. I was told there was never a technical problem they just don't allow people to use the card until a payment clears. I thought the agreement was if you had credit to use they couldn't block you from using it as long as your paid on time and were never late.
Consumer complaint received 2022-03-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Avant Holding Company, Inc. (CA)

In XX/XX/2021 I received marketing material from avant- credit card advertising {$750.00} credit limit credit card that would double in available credit if I made 6 timely monthly payments which I did. 
I requested a credit limit increase just like the advertising material said but was denied. 
After this I waited until month number 8 to request a credit limit increase and was denied, the reason given was that I had applied 30 days earlier, so I called customer service and explained it had been more than 8 months of timely payments and they werent holding their end of the agreement. Nothing was resolved. 
That is why I am submitting My complaint.
Consumer complaint received 2022-03-08
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NJ)

I've disputed this ( XXXX XXXX  ) charge off account several times over the past year with Experian. Each time they have updated the account but have failed to notate in the comments section that the account was disputed by the consumer within 30 days. Pursuant to 15 U.S. Code 1681s-2 ( a ) ( 3 ), the reporting agency may not furnish the information without such notice that the information was disputed by the consumer. This is a clear indication that this company has failed to properly investigate my disputes for over the past year
Consumer complaint received 2022-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was Paid as Agreed and I never missed a payment. Please remove the late remarks immediately. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$78000.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$51000.00} XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4900.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2600.00}
Consumer complaint received 2022-03-08
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. (FL)

TODAY XXXX I SPOKE WITH EXPERIAN REPRESENTATIVE REGARDING THSI ISSUE, BUT THEY STATED THAT XXXX XXXX XXXX, THE COMPANY IN QUESTION, DOES NOT PROVIDE TELEPHONE SERVICE FOR THIS ISSUE AND MUST BE DEALT WITH VIA E-MAIL THE E-MAIL THE EXPERIAN REP PROVIDED TODAY WAS XXXX I AM CONCERNED THAT THIS WILL LEAD NOWHERE. 

MY WALLET WAS STOLEN WITH ALL MY CREDIT CARDS AND MY DRIVER 'S LICENCE HERE IN FL ON XXXX. I FILED A POLICE REPORT SUBSEQUENTLY, HOWEVER, I CALLED THE POLICE AND THEY STATED THAT NOTHING HAS BEEN DONE ON THIS RESPECT. 

NOW A NEW ACCOUNT IS SHOWING UP ON MY CREDIT REPORT STATING THAT XXXX XXXX XXXX. OPENED A NEW ACCOUNT FOR ME AND THAT WAS DONE ON XXXX OF THIS YEAR
Consumer complaint received 2022-03-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (MA)

I moved into an apartment in XXXX XXXX XXXX XXXX  called XXXX XXXX and a few months after moving in I went home to XXXX  for 2 weeks for a family emergency. I had gotten a call from a neighbor next door that they were several people in my unit. I called the 24 hour security the second I found out and he went right to the unit and a female opened the door while I was on the phone with him. 
He specifically asked her if she was ( my name ) she replied with yes. They did not make her show ID to prove her identity. I called the police, I called the property several times and there was nothing anyone could do to get her out. I turned off electric to try to run her out. Then very rudely was notified the next day by the office that Im not allowed to turn it off during an active lease so the property had it turned it on again through there company name. I was exchanging emails and phone calls with the company and nothing was done. With signed permission from me to the property through email, I had a friend go to my unit to make sure nothing was damaged. She had to give her ID in exchange for keys to the unit. This was allowing her to go in to make sure things are OK on my behalf. When she was in the unit, all my furniture, TVs, kitchen goods, everything had been gone. Im told I owe over {$8000.00} to this company. I have been fighting for years. I stopped all communication with them as they are not helpful. Always told nothing can be done due to squatters rights but what about my rights as a tenet. They did not protect my unit knowing there was nothing I could do while away. This place has caused me nothing but trouble. I have made police reports hoping it would help resolve the issue.
Consumer complaint received 2022-03-08
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION ()

I had a Capital one savings account while I was back in the states in 2021. I would simply like to know if I was supposed to receive form 1099 int or not for 2021. I called capital one and they're unable to help me since they need to send me a text message and as I don't have a US phone number, they're unable to do so.
Consumer complaint received 2021-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

I am a consumer as identified in FDCPA 15 USC 1692a ( 3 ) and I have a right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ) According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. The finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.15 USC 1681e ( b ) which states a company must report maximum possible accuracy Erroneous RESULT OF The Equifax Data Breach Direct Violation 15 USC 1681 Reporting incorrectly. PAYMENT HISTORY INCORRECT across all 3 Bureaus XXXX XXXX and Equifax, I called this to attention and Equifax changed it but I request it to be delete because I did not give them permission to report this on my profile, I will pursue further law suit actions15 USC 1611 - violation ( criminal liability ) of the company if they do not give you two copies of recession notice of right to rescind on the loan 15 USC 1635b - company did not give me right to rescission, I shall receive all money involved.

15 USC 1640 ( 2 ) ( A ) ( i ) - civil liability failure to provide right to rescission results in double amount of finance charge and {$1000.00} for each violation found in connection with the transaction 15 USC 1666b ( 4 ) ( 5 ) - company failure to provide statement within 21 days is a violation, please remove late payment ; statement shows positive balance instead of negative which is a billing error and therefore no payment was due ( how can I pay on a positive balance )
Consumer complaint received 2022-03-08
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. (TX)

I am being violated by TransUnion as they are reporting information on my consumer report not in accordance with my written instructions infringing upon my rights as a consumer pursuant to 15 USC 1681. I have sent them an affidavit of truth stating the issues and how to immediately remedy the situation. I have received no response.
Consumer complaint received 2022-03-08
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. (MA)

Upon reviewing my updates, there is several incorrect information seen written in my Credit Report and is clearly a violation of the Fair Credit Reporting Act, 15 USC Sections 1681i, which state that reporting unverified information without any proof provided within the time allowed by law is not authorized. The inquiries listed are inaccurate and needs to get deleted immediately : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-12-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc. (TX)

On XX/XX/2021, a debt collection was opened against me by a company called " Commonwealth Financial ''. I have researched the company and could not find an email, address, phone number, or license number that enables them to collect debt in the state of Texas. On XX/XX/2021 I contacted the secretary of state for Texas to validate this entity. Per the documents I was sent by the SOS, it appears that this entity is not valid. Please see the attachment. I have reasons to believe this is a scam. 

Thank you
Consumer complaint received 2022-02-28
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. (FL)

I've been tryin to remove incorrect information from my report over a year now. 
I have account XXXX on my report that shows : First of all, the dates of an activity are years apart. XXXX shows XX/XX/XXXX, XXXX XX/XX/XXXX and Experian XX/XX/XXXX. Based on above information, one of the dates may be correct, but 2 others obviously not. Or maybe all 3 are incorrect. This information is inaccurate and violates my rights. 
Second, if the dates of a last activity are XXXX and XXXX then how is possible that on XX/XX/XXXX XXXX reported positive activity? 
Experian did not delete this mistake when I was trying to solve it last year. Instead they asked me to contact creditor. 
I did contact the creditor and haven't received any proving information from them. 
Last time I sent letter to XXXX in XXXX and they haven't responded ( see attached Return Receipt ).

So now I'm being kicked from one to another wasting my time and nerves.

I need a help of authorities in this matter. Thank you.
Consumer complaint received 2022-03-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Merchants Credit Corporation (WA)

I had a medical bill of {$1000.00} with XXXX XXXX XXXX that was getting auto-paid based on a payment plan of {$91.00} per month for 12 months from my XXXX Account. The plan was set from XX/XX/XXXX to XX/XX/XXXX. I don't check my XXXX Account regularly to see if the payment went through because there is enough money in the account and assuming that if there was any issue then XXXX would contact me. 
In XX/XX/XXXX, I received a letter from Merchants Credit Association ( MCA ) asking me to pay the remaining principal of {$530.00} + collection cost of {$77.00}. I contacted XXXX right away, they claimed that they tried to collect a payment from my XXXX on XX/XX/XXXX but it failed. I asked them if there is a proof that they tried so that I can contact XXXX and ask why, they said there is no proof. I asked why they didn't contact me before sending the bill to a collection agency, they said they tried but couldn't get hold of me, but again there is no proof that they tried and my phone number and address never changed. I contacted XXXX and they said there is no evidence that a payment was rejected. I went back to XXXX and asked if I can pay the principle amount in total, they refused and told me the case is not with them anymore, it is with MCA and I need to sort it out with them. I called MCA numerous times and explained to them but they seem to be always focused on collecting their collection money. MCA also claimed that they reached out to XXXX and asked them to take the case back but XXXX refused. I have been receiving multiple letters from MCA demanding that I pay the principle + collection cost. Today on XX/XX/XXXX, I called MCA one last time and asked them if they can waive the collection cost, make it less, send the case back to XXXX but the agent told me am just wasting time to save {$77.00} and advised that I should pay the entire amount to MCA or make multiple payments BUT pay interest. I gave up on all and paid the entire amount ( {$450.00} principal + {$77.00} collection cost ). I am writing to you because I feel that what XXXX did was not fair at all.