davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-14
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc. (NC)

I purchased a {$500.00} prepaid vanilla Visa gift card on XX/XX/2022 from XXXX. And When I tried to use the card for a purchase in the XXXX XXXX XXXX on XX/XX/2022 for the first time. I was surprised that only XXXX was left on the card balance. I used that amount for my shopping. I checked the activities for the card online. I realized the card information was stolen, and many transactions from XXXX were on the list, and the balance is XXXX now. I called INCOMM payments XXXX immediately, and the customer service person locked the account and opened a dispute for me ( case # XXXX ). I submitted the complete dispute form soon after. On XX/XX/2022, I received an email with the final resolution letter and a replacement card with a balance of XXXX in the mail. I called the customer service line again, and the agent told me that was all the money they could recover. And they can not do anything else for me. I am troubled that I should take the loss simply because the card company did not protect the information and allowed someone else to steal all the money within a few days after the gift card sale.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat These items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX XXXX, XXXX - XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2022-08-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc (TX)

On Saturday XX/XX/2022 I was looking to purchase a watch online for my anniversary. I noticed the vendor accepted PayPal credit and I chose to explore that avenue for payment. I went through the application process and signed up for PayPal service where I was approved for a {$2000.00} line of credit with PayPal credit and proceeded to try to use the credit for the purchase. Here is the deceptive part. I was immediately declined and in fact my PayPal account was temporarily suspended for suspicious activity, and all I did was try to make a transaction. After getting a confirmation call from PayPal credit confirming I was making the transaction the account was still locked out. Monday XX/XX/2022 I was able to speak to a PayPal representative and restore the account but I was never able to make a purchase since the option to use my PayPal credit was not available. I spoke to several people online and on the phone trying to resolve the issue but PayPal just blamed PayPal XXXX XXXX XXXX bank ) and PayPal credit blamed PayPal. I finally got a representative with PayPal to tell me the PayPal security algorithm is what is blocking me from using the credit option but no one can tell me why. Finally using PayPal 's own community feature I found out that in most cases a new PayPal account will never be able to use PayPal credit option because the account is too new, and the system which can not be overridden must see transaction traffic on the account other than the PayPal credit up-to a certain amount before the option to use the PayPal credit is released. I have since requested a closure of my account since this was not disclosed in their fine print and that whole reason for this complain is PayPal credit has run my credit like this was a real credit card when in fact it is not, and that was not disclosed to me.
Consumer complaint received 2023-03-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LJ Ross Associates (NY)

On XX/XX/2022 the debt of the amount of {$970.00} was disputed on XXXX, XXXX and XXXX as being not a valid debt. The collection company L j Ross Associates still has not reach out to me to provide a legally required debt validation letter, which outlines what debt and original contract, creditor information payment history, proof of ownership. The statute of limitation on New York State debt is 3 years. This debt is incorrect on my credit report and should be removed due to it being time- barred and falsely stated.
Consumer complaint received 2022-08-11
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX BANK XXXX XXXX Open Date XX/XX/XXXX Balance : {$130.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$12000.00}, XXXX XXXXXXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX Balance : {$0.00}.
Consumer complaint received 2022-08-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HSBC NORTH AMERICA HOLDINGS INC. (FL)

HSBC says they are closing my account and they will return my money once the account is closed, however, it's been almost 2 months since this started and still have not received my money. The bank gives me no explanation as to why they are keeping my money.
Consumer complaint received 2022-08-30
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. (IA)

XXXX, XXXX XXXX, XXXX BANK In accordance with the Fair Credit Reporting, everything has to be 100 % accurate on my credit report. The credit bureaus stated the accounts listed at the top of this complaint were properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is ground for removal they also violated my rights under 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.

According to the law 15 U.S. Code 1681I- Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2024-10-08
Product: Credit reporting 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. (CA)

I recently reviewed my credit report and found unauthorized inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX 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
Consumer complaint received 2022-08-30
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. (IL)

On XX/XX/2022 I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, Equifax Information Services , LLC, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. 
They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. XXXX, Equifax, and XXXX are also in violation of 18 USC 1028A for aggravated Identity Theft for furnishing these alleged public recordsXXXX XXXX Bankruptcy and accounts. 
My credit report is still reporting two XXXX XXXX. accounts, and a US bankruptcy account. Please see attached FTC Identity Theft Report. 
On XX/XX/2022, I sent XXXX, Equifax, and XXXX a follow up letter to request they remove the above accounts and they did not. This has caused me tremendous anxiety, stress, and financial hardship.
Consumer complaint received 2022-08-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The FCRA requires you to verify the validity of the item within 30 days. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. I am NOT requesting the itemized bill, I am requesting an instrument bearing my signature. In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. By law, if you have charged off a debt, the consumer no longer owe it. You have accused me of owing this debt yet you have had personal gain by writing it off. You continue to report a balance to the bureaus which is inaccurate. In fact, I have no personal gain from this alleged account since it is reporting as closed. You have no right to continue to damage my credit over an alleged debt that you have received gain from the government. 

By the provisions of the Fair Credit Reporting Act. I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove and information that the creditor can not verify. I understand 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter
Consumer complaint received 2022-10-07
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC (NC)

I have a car loan with Westlake financial. The car has been repoed an they have called me literally 10 times a day since the car was repoed and I have already explained my situation with them. Last night was the last straw for me with this company. Here is the email I sent them this morning to file a complaint for harassment about a guy that called me last night from their company : Last night I had a phone call with someone from collections name XXXX XXXX. His attitude and yelling at me about my car and my situation were unacceptable. I'm personally going through a hard time right now. I have became the primary caregiver for my XXXX XXXX XXXX grandmother who recently has XXXX  her XXXX. Needless to say between caring for her, my XXXX daughter, and my XXXX XXXX XXXX son. I have not been able to work as much and my car is now in a repo situation. When I received the call from this man with westlake financial last night I was very emotional and upset to say the least. Our conversation made me even more upset and in distress. The way he talked to me was offensive and I did not appreciate his tone. I was clear that I was not in a mind frame to deal with anymore stress. Finally after he argued with me about my car and claiming that I was requesting to defer XXXX  months of payment which I was not asking for, he transferred me to a new person. She was a woman who was nice and kind. I ask that you go back and listen to this conversation between XXXX and I. And also listen to the conversation between the female I spoke with last night and you will hear the world of difference between how he treated me and how she treated me. He was abusive in his tone and argumentative with me during a time when I needed a compassionate and caring person. I understand that my situation has caused my car to be repoed and for that I'm sorry, however no one deserves customer service like I experienced last night no matter of their financial situation. I was upset and I did yell, and cry and everything else, however his response to my stress was unnecessary and some of the worst customer service I have ever had in my life. I did not deserve to be treated the way he treated me. This situation with this car has caused me extreme emotional and mental stress and I'm trying to find a way to solve all of this. I have cried many nights over all that has gone and I've been able to sleep, his actions caused me even more mental and emotional distress. If you need more information regarding this please contact me at XXXX.
Consumer complaint received 2022-08-30
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: EQUIFAX, INC. (CA)

This is NOT a Duplicate Report and this is NOT submitted by a 3rd party. In accordance with the Fair Credit Reporting act XXXX these accounts below 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 1. Account Name : XXXX XXXX XXXX Account Number : XXXX 2. Account Name : XXXX XXXX Account Number : XXXX 3. XXXX ( XXXX XXXX : XXXX XXXXXXXX XXXX ) Account Number : XXXX 4. Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX V ) Account Number : XXXX 5. Account Name : XXXXXXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) Account Number : XXXX 6. Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX 7. Account Name : XXXX Account Number : XXXX 8. Account Name : XXXX Account Number : XXXX 9. Account Name : XXXX XXXX Account Number : XXXX 10. Account Name : XXXX XXXX Account Number : XXXX 11. Account Name : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2022-04-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (CA)

Two different XXXX  transactions were sent from my account and both amounts were sent to the same recipient. I do not know the person who my money was sent to. One for {$750.00} and another for {$1200.00}. The {$750.00} was sent on XX/XX/2022 and the {$1200.00} was sent on XX/XX/2022 to an individual named XXXX XXXX. I called Wells Fargo on XX/XX/2022, around noon, as these two transactions were never done by me. I spoke to a Wells Fargo representative who asked me questions and I made it clear to them that I never authorized these two transactions. Both transactions were done fraudulent. I never received a text alerting me thaXXXX XXXX  transactions were being done on my account, I never received a text message from Wells Fargo letting me know that a new recipient was added on my XXXX  contacts. I have text alerts on and never received one single message alerting me of what was happening on my account. This is fraud, the Wells Fargo representative closed my account and also opened a new account for me and after asking me the questions she needed to ask me she told me nothing else was needed on my end. On XX/XX/2022 I receive a letter from Wells Fargo advising me that both transaction were done by me or someone who had authorization on my account. The Wells Fargo letter is dated XX/XX/2022. I called on XX/XX/2022 and asked Wells Fargo to provide me with the evidence that led to their conclusion because I never authorized these transactions and I have also never authorized anyone access to my account. Wells Fargo representative had the audacity to ask me to provide evidence that this was not done by me. How can I provide evidence that this was not me if this was done as fraud. Money was take from my account and I do not know by who or how this was done without my consent or authorization. I asked the Wells Fargo representative to provide me with the evidence that led them to their conclusion that this was not done as fraud and to this date Wells Fargo has not been able to provide me with the documents that I requested.
Consumer complaint received 2022-08-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (CA)

Someone hacked it my NFCU account and transferred money to a unknown person and I have been without a account for 2 months.. I called today and they said they had no information.. But they have all the info.. wait times to talk to rep is very o g an 3 out of 5 customer rep. Is very rude.. Im behind waiting fir them to clear up my account also they took XXXX $ XXXX  during the wait
Consumer complaint received 2022-08-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (WA)

I have a credit card with CITI ending in XXXX I have an old bank account with XXXX ending in XXXX I have a new bank account with XXXX ending in XXXX I am enrolled in CITI autopay, with a payment date of the XXXX of each month I no longer use my XXXX account and forgot to update my autopay with my new account On XX/XX/22, CITI attempted an authorized autopayment of XXXX against my XXXX account. This charge was declined with for Non Sufficient Funds ( NSF ). XXXX charged me {$25.00} and Citi charged me {$29.00} as a result of this decline In the days following, CITI attempted unauthorized retries of this autopay payment. One attempt hit my XXXX account on XX/XX/22 and another on XX/XX/22. Both of these retry attempts were declined for NSF. XXXX charged me {$25.00} each. 

I have now been charged {$100.00} in fees for this single failed transaction, which was my mistake. I feel the original two NSF charges are justified as they were due to my error. 

I feel the retry attempts, and NSF fees as a result, were UNAUTHORIZED charges from CITI without my knowledge or consent. I have attached a screenshot of the Autopay Terms and Conditions directly from the CITI website. These terms and conditions do not state that CITI has the right to automatically retry any failed attempts. Therefore, these attempts were unauthorized and they should be held liable for the fees that I incurred.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat This item us being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXXXXXX XXXX XXXXXXXX