davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-28
Product: 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: PLS GROUP, INC (AZ)

On XX/XX/2024 I, XXXX XXXX authorized a transaction of {$83.00} for a 1 night hotel stay at the XXXX XXXX XXXX through a 3rd party vendor, XXXX. Upon arrival at the front desk I also authorized a {$100.00} deposit on the XXXX as well, using my prepaid PLS XXXX card. 
On XX/XX/2024 I checked out of my room and ended my stay. 
It is now XX/XX/2024 and my {$100.00} deposit has yet been released from PLS after I have complained numerous times in a month 1/2. EVERY single customer service rep that I spoke with was no help at all, blamed the system and didnt care. Ive asked to speak with a manager or supervisor on many of these calls only to be told that they werent there, they wont help, or like this morning they transferred me to XXXX who portrayed herself as a manager until I asked. She hesitated and said she was the Lead. She was no help to me after reading the policy to her and even threatened to disconnect me. 
PLS has 7 days to release my funds back to me and only if I authorized a transaction and fail to maker a purchase they can hold my funds do 60 days. 
UNBELIEVABLE!!!! Everything was payed for, XXXXXXXX XXXX XXXX released my {$100.00} to PLS and now they are illegally holding my money. 
I explained to them that I have 2 small children at home, was just laid off from my job and have no income. They dont care!!!
Consumer complaint received 2024-05-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (NC)

Unauthorized charges to my account from XXXX XXXX XXXX in the amount of XXXX this happened on XX/XX/XXXX I put in a dispute with Chime. on XX/XX/XXXX I was refunded back XXXX I did not receive theXXXX all of the charges came from XXXX XXXX and the charges are unauthorized I would like to no why I was not refunded all of my money it was five different charges from XXXX XXXX why was an error found for one charge and I was refunded but not the four other charges i esnt my money back
Consumer complaint received 2024-05-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CITIBANK, N.A. (AL)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.I also realized they reported false information to my credit report according to the FCRA law 605 B they didnt have permission to report anything to my credit report without my consent
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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 2023-11-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (MI)

My account was frozen due to suspicious activity. I confirmed the activity as I was traveling and it was me. Then they reviewed and deactivated my account with a balance of {$1400.00}. Now I am not being allowed to login.
Consumer complaint received 2024-05-28
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: FIRST PORTFOLIO SERVICING INC (GA)

I Travel for work and have a lengthy contract in XXXX so I paid my account in full to use, updated my address with XXXX as I have before with no problem online. XXXX updated my address within my account and on my statements but waited until I attempted to use my card to advise they restricted the card due to the inability to verify the address. They then required me to change my XXXX  driver 's license to a XXXX  license ( although they were the only credit merchant that requested that I comply ) then they stated they wanted a utility bill, I explained I'm here for work and the place I'm at I do not pay utilities. Per XXXX that's the only way to verify the XXXX address. So I advise that I changed my DL, have been receiving mail to the new address from XXXX asking me to call to verify that I have my card in my possession to relieve the hold in which I did, and still the card is restricted with no reasonable reason outside of them wanting a utility bill and for me to change my business account address to XXXX and send the complete statement which I'm not open to doing because I run my business out of XXXX. I have been trying to get this resolved, Per XXXX request I sent my personal bank statement, they stated that I can't use it although it shows the XXXX address it does not have the online banking physical address not that Im sure why the bank physical address matters since XXXX has technically updated the address in their system and send me mail. Im concerned about my credit score and have asked that my account not close due to inactivity since XXXX refuse to allow usage after I have been with them for years.
Consumer complaint received 2024-05-28
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: CREDIT ACCEPTANCE CORPORATION (GA)

I am writing this request because of how many stress this specific item on my credit created I ask the company CREDIT ACCEPTANCE MOTOR to delete this information on my credit because its creating damage to everything I have. This repossession was voluntary sent back to the bank because of illegal act they backed up the mileage on the car and sell the car so right when my mechanic was viewing the car he told me I should send it back to the bank and let them sell it because it is very illegal and they were involved in a lawsuit couple years back I started to drive the car car and the mileage just started to move fast. I started to make reports to the police station while I was in XXXX and then I moved to XXXX  I called the credit bureau and they said I have to make a report to consumer complaints, so now Im here. Im not sure whats gon na happen, but I am requesting a deletion from all three credit bureau because they are really hurting my credit and I really want to buy a house in the future and its really stopping me from growing as a young person, they have the car in their possession, they sold it and they still recording an accurate amount on my credit report all three credit bureau and they are giving me different numbers of the company. Im currently sending in some letters to see what they would do but I come here to report it or deletion, and with the law, it says any inaccurate on authorization inquiry that I did not authorize should be automatically deleted from my Credit Report. I wanted for you guys to put Credit Acceptance motor out there in public because they are hurting peoples credit and they are stopping peoples life from living and theyre causing a lot of damage within the homes by stressing individuals.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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 2024-05-28
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: VW Credit, Inc (FL)

I unfortunately do not have an exact date as it has been since I have obtained the loan. For 90 days I was told I did not have to make payment they had some special going on out of desperation to sell their vehicles so they didnt have to pay lot taxes on the vehicle at the start of their new year. They reported me for being late in those 90 days and after I made the first payment they proceeded to report me late then too. They also reported me late to you more than once within the month and it has impacted my credit tremendously and taken it down by over XXXX points in less than 6 months. I have not owned the vehicle for 6 months yet they have reported it late a total of XXXX times. How is that possible exactly as its every 30 days was my understanding. I know they have had issues with this exact behavior and other Consumers in their past and even a class action suit so I do hope it doesnt progress to that but I am willing to do so if necessary. I was late so thats fair them reporting that but I am paid up and they dont report it as current and have not done so when it is current it seems they only report when I am late on occasion and multiple times within a month which is not legal. I just need help please I have no sway in this and I am absolutely powerless I need help please.
Consumer complaint received 2024-05-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (VA)

I have an account through Chime. They gave me an electronic card and mailed me a physical card. I have my electronic card on my XXXX XXXX account and mostly use that for any transactions through my Chime account. I keep my physical card in my wallet in case I ever need it. Well I realized my physical card was stolen recently and immediately checked my bank account with Chime and reported the card as stolen/lost. I checked my transactions and saw all the transactions I used my electronic card for through the account but also saw a few from an unknown source that I did not authorize using my physical card the day prior, the day it was stolen. I reported the transactions and disputed them with Chime totaling over {$100.00} and they have denied my disputes with no reason why. Now I have no funds until I get paid again.
Consumer complaint received 2024-05-28
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CREDIT ACCEPTANCE CORPORATION (NY)

I am unaware of this debt. I did not have the opportunity to dispute this debt. I did not receive proper notification about this debt. If in fact, you believe that Ive received proper notification, please provide the certified mail that you sent to me with my receipt and signature which shows that Ive received this debt notification and right to dispute.
Consumer complaint received 2024-05-28
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Incomm Holdings Inc. (CA)

I bought a card XXXX from XXXX on or around XX/XX/year> for {$500.00}. It was supposed to work, but it stopped working with {$450.00} balance on it. I tried to get a replacement. I got a replacement very late around XX/XX/year> or so but the company refused to activate the card. " XXXX '' said he could not activate it. I want my money back since the product is defective.
Consumer complaint received 2024-05-28
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Incomm Holdings Inc. (CA)

I bought a card XXXX from XXXX on or around XX/XX/year> for {$490.00} plus {$4.00} fees. The card worked for a little bit but then stopped working. I spoke with XXXX and tried to get a replacement, but the company refused to activate the replacement that arrived in the mail. I am out {$190.00} plus {$4.00} fees.
Consumer complaint received 2024-05-28
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (TX)

I bought a vanilla gift card, a couple months ago worth somewhere around {$500.00} and have been trying to use it on XXXX and physical stores for a long time now, when i went online to check my balance, they said that it was an issue and call customer support, when i contacted vanilla customer support, they told me that it was reactivated but when I tried using the card, i had the same issues as before. I went online to check balance, to only have the same popup show again and when I called customer support, i was on an endless loop of automated options.
Consumer complaint received 2024-01-31
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: EQUIFAX, INC. (CA)

XXXX XXXX XXXX Reported : XXXX XXXX, XXXX - {$1400.00} Needs Attention Overview You have 100 % left to pay on this collection. 

Balance {$1400.00} Highest Balance {$1400.00} Opened XXXX XXXX, XXXX ( XXXX mos ) Account status Open Type Unpaid Responsibility Individual Account. 
Remarks Consumer disputes this account information Original Creditor Name XXXX XXXX Closed No Info You could dispute an error with Equifax SEE AN ERROR? 
We've sent your dispute request to XXXX, and we'll let you know when it's complete. 

GO TO EQUIFAX Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX See an error? 
Find out how to dispute a hard inquiry Institution Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX - Personal Loans Cos. 
See an error? 
Find out how to dispute a hard inquiry No contact information has been reported by this creditor. 
XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX - Auto Financing See an error?

Find out how to dispute a hard inquiry No contact information has been reported by this creditor. 
XXXX  XXXX Inquiry : XXXX. XXXX, XXXX - Auto Financing See an error?

Find out how to dispute a hard inquiry Institution Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX - Auto Financing See an error?

Find out how to dispute a hard inquiry No contact information has been reported by this creditor.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-28
Product: Prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Incomm Holdings Inc. (CA)

I bought a XXXX XXXX  XXXX card XXXX on or around XXXX stopped working with approximately {$270.00} on it. I called in and asked for a replacement. I was told that a card XXXX was supposed to arrive. I do not have a record of the replacement arriving. I called in XXXX and apparently spoke with somebody ( maybe " XXXX '' ) and was told to keep on waiting. I want my money back and a full accounting.
Consumer complaint received 2024-05-28
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Incomm Holdings Inc. (CA)

I bought a card XXXX serial number XXXX on or around XX/XX/2024 for {$500.00}. It didn't work. I asked for a replacement but I have no record of receiving and using the replacement. Neither " XXXX '' nor anyone else told me the last XXXX digits of the new card number, so I can not tell if I even received any replacement. 

I tried to check the balance and I get a " system error '' message. I just want my money back at this point.
Consumer complaint received 2024-05-28
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Incomm Holdings Inc. (CA)

I bought a card XXXX but it didn't work. I tried to get a replacement, which I received around XX/XX/year> with card number ending in XXXX. The card did not activate ; the representative XXXX refused to activate it. I sent in documents which were never disclosed beforehand ; I do not have to provide such unnecessary documents pursuant to California privacy law. Nevertheless I sent in the documents and never heard back. I sent in more documents but I really just want my money back.
Consumer complaint received 2024-05-28
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Incomm Holdings Inc. (CA)

I bought a card for {$490.00} plus {$5.00} fees = {$500.00}, and it does not work. 

I requested a replacement and got a non-functioning replacement card. 

The company representatives falsely represented that they would send a working replacement card, but the company refuses to activate the replacement. I sent all documents requested ( which also were not disclosed, including government ID, etc. ) but the card still says it is " on hold ''.
Consumer complaint received 2024-05-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION (PA)

Hi I bought my car from a dealership on XX/XX/24 and right now no ones answering the phone which is a little unprofessional so I wrote the dealership and called credit acceptance after I bought my car it was fine for a week then the check engine light turned on and my sensors were going off then my parking light went out and so did my brake light when I showed up to the dealership I was told by XXXX the employee to go to the auto body shop the establishment called XXXX XXXX owns so when I proceeded with that the mechanic tells me he does not do electrical work which kinda confused me because I got sent to him by the dealership for all of the problems I listed but ok then he proceeds to tell me that its basic maintenance problems so to my understanding my car should have been maintenanced and checked before I drove off the lot for any spark plug issues for any transmission issues and for anything else while I was in my 90 days. On XX/XX/24 my check engine light popped back on again which was odd bc I only had the car for not even 3 months and this is the 2nd time something is wrong with the car so while I was trying to get in contact with anyone from the establishment my 90 days was over and I would like to talk to someone before it has to involve police because I showed up the lot is empty I came back multiple times and the cameras on the lot can see that still not one associate or owner I pay {$330.00} added with {$210.00} for insurance so thats {$540.00} a month that I spend for a car that has transmission issues electrical issues and more and I was not told about my apr or anything involving about payments from credit acceptance. I tried to contact them in regards of what to do with the vehicle because it is now struggling to drive and they want {$3500.00} at the XXXX  dealership to fix the car because my warranty does not cover it which I was told by credit acceptance but was lied too. No dealership or shop will touch my car because of the electrical issues going on with it I am struggling horribly because of this I am fighting everyday because of credit acceptances scam
Consumer complaint received 2024-05-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (OH)

On XX/XX/year> at XXXX XXXX an unauthorized transaction in the amount of {$3000.00} was transferred from my checking account into my cashapp account, where the money was then transferred into a person XXXX account. I did not authorize this transaction.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

Dear Equifax I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Delete this account.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Equifax, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all violated 15 USC 1681 c-2, 15 USC 1681 eb, 15 USC 1681b and 18 USC 1028A.