davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-01
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. (NY)

My wife purchased a Vanilla pre paid Visa card for my birthday in XX/XX/2022. The card is blocked and I am unable to use it. I called customer service and they are telling me to do things that are totally impossible to do such as getting a receipt which I no longer have. I want the card activated so I can use it. I know when it was purchased and where it was purchased. I am not getting anywhere and I am out {$100.00}. Help!!
Consumer complaint received 2024-05-01
Product: Credit reporting 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)

I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2024-02-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

In or around XXXX, Portfolio Recovery began contacting me to collect a debt they said I owed. They never provided proof of the debt and their collection tactics were in violation of the FDCPA. There was a lot of back and forth, they even tried to involve my wife. 

In XXXX, they filed a complaint in XXXX XXXX XXXX and after I answered the Complaint and answered XXXX, they attempted to get a default judgment against me, saying I never answered the Complaint. The judge denied their request for entry of default judgment. They NEVER got a judgment against me. A court date was set in XX/XX/XXXX and as I was at court waiting for my case to be called, I was told to go to the clerk 's office. There, I was given a letter which was faxed from Portfolio 's attorney, saying they were dismissing the Complaint and for me to sign and file a Stipulation of Dismissal, which I did. 

Following dismissal of the Complaint, Portfolio and their attorneys tried several times to collect. They did not reinstate the Complaint. I responded to each on, the last one being XXXX. In XX/XX/XXXX, I received a Notice of Application for Wage Garnishment from Portfolio 's in-house attorney, in which they refer to me as judgment-debtor. They are in violation as they NEVER received a judgment against me. 

It has now been more than 11 years since the Complaint was dismissed and the Stipulation of Dismissal filed. They are far outside of the window to collect any debt, which I contend they still were not entitled to do, even if I did owe the debt. Their attempt to get my wages garnished without having a judgment against me violates the law and the FDCPA. I responded to this attempt in writing, with no response from Portfolio. I also sent a letter to the court advising them of this. 

On XX/XX/XXXX, I received another Notice of Application for Wage Garnishment, again seeking to collect money from me and they are far outside of the permissible collection window. Them identifying themselves as judgment-creditor is a fraud, to say the least as they never had any judgment against me. 

I communicated with a couple of attorneys who said they are not entitled to pursue me without a judgment and because of time bar and that because of the continued harassment, I would have an action against them. 

Please help me put a stop to this harassment. I didn't receive any response from them regarding their XX/XX/XXXX attempt and haven't heard anything from the court.
Consumer complaint received 2024-05-01
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. (GA)

I am writing to dispute late payments that appears on my credit report. The late payments listed on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX by XXXX XXXX 

I believe this late payment is inaccurate. According to the Fair Credit Reporting Act, inaccurate information must be corrected or removed from my credit report. Therefore, I kindly request that you investigate this matter and remove the late payment from my credit report. 

Please provide me with confirmation of the resolution of this dispute. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to dispute late payments that appears on my credit report. The late payments listed on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX by XXXX XXXX 

I believe this late payment is inaccurate. According to the Fair Credit Reporting Act, inaccurate information must be corrected or removed from my credit report. Therefore, I kindly request that you investigate this matter and remove the late payment from my credit report. 

Please provide me with confirmation of the resolution of this dispute. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Dear [ TransUnionXXXX ], I am writing to dispute the information regarding the XXXX account ( Account Number : [ account number ] ) listed on my credit report. The account is reporting with a past due balance of {$89.00} and a payment status of " Late 120 Days, '' which is not accurate and does not reflect my actual payment history. 

As a consumer, it is my right to have accurate and complete information on my credit report, as stated under the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Bureau ( CFPB ) guidelines. The burden of verifying the accuracy of the information provided to the credit reporting agencies lies with the furnisher of that information. 

In light of this, I demand that you investigate the accuracy of this account information and take immediate action to correct any inaccuracies. I have attached copies of my bank statements and credit card statements, which clearly show that all payments were made on time and in full. 

The reporting of inaccurate information has caused significant harm to my credit score and ability to obtain credit, in violation of Section 1681s-2 ( a ) of the FCRA and the CFPB 's Bulletin 2013-1. It is also in violation of [ 15 US C 1681 section 604 A Section 2 ] [ 15 USC 1681 Section 602 ] [ 15 US code 5 1681b ]. Therefore, I am also requesting that you provide me with a written statement of the results of your investigation and a copy of my corrected credit report. 

In accordance with the FCRA and CFPB guidelines, I expect your prompt response within 30 days of receipt of this letter. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX CFPB Codes : Bulletin 2013-1 Section 1036 of the Dodd-Frank Wall Street Reform and Consumer Protection Act Section 1681s-2 ( a ) of the FCRA
Consumer complaint received 2024-02-02
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

On XX/XX/XXXX I got an alert from XXXX XXXX XXXX  about someone opening an account in my name. I checked and it was an inquiry on my credit reports for Capital one/Cabela. I know I had not opened any accounts. On XX/XX/XXXX, I contacted XXXX XXXX XXXX. I also contacted XXXX. I Went to the Social Security office, but they said they couldn't do anything, they did give me a pamphlet. 

On XX/XX/XXXX, I filed a police report and contacted Capital One/Cabela. After contacting the Capital One/Cabela they said they would check into it and said the application was not yet fully processed. They said they would cancel it. I made a police report but is not able to pick it up until Monday. Also going to contact the FTC today. 

Somone had also opened this card in my name on XX/XX/XXXX and I made complaints that was later resolved. 

Not sure what billing address, email or phone number they are using. Capital One/Cabela said they could not provide any of that information to me. I would have to contact police department.
Consumer complaint received 2024-05-01
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)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 




XXXX XXXX  XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TX)

1. The following personal information is incorrect
    
    Previous Names: XXXX XXXX XXXX  2.The following personal information is incorrect
    
    Previous Names: XXXX XXXX  
3.The following personal information is incorrect
    
    Previous Names: XXXX XXXX  
4.The following personal information is incorrect
    
    Previous Names: XXXX XXXX XXXX  
5.The following personal information is incorrect
    
    Previous Names: XXXX XXXX XXXX

6.The following personal information is incorrect
    
    Previous Names: XXXX XXXX XXXX

7.The following personal information is incorrect
    
    Previous Names: XXXX XXXX XXXX  8. The following personal information is incorrect
    
   Previous Address (es): XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX TX. XXXX

8. The following personal information is incorrect
    
   Previous Address (es): XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX

8. The following personal information is incorrect
    
   Previous Address (es): XXXX XXXX XXXX XXXX XXXX, TX. XXXX
Consumer complaint received 2024-02-05
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY (NY)

I received three gift cards on XX/XX/year>, sadly my phone was stolen. Which had two of the cards on there that I already spent ( those werent even touched by unfamiliar purchases, which is crazy ). I left one of those three cards in my email because it was about XXXX  and I wanted to save that instead of spending it up when I finally got into my XXXX to go for the card, the transactions on the gift card balance showed two purchases on the XXXX of XXXX. One for XXXX the final one for {XXXX, at a XXXX XXXX in XXXX ( I live in the XXXXXXXX XXXX XXXX ) and the wildest part about all of this is that it was done in the same minute at XXXX XXXX. I called Amex for help and all I was told was in 90 days theyll have an answer for me. I dont want to keep waiting. I need a new phone for my job, school and other responsibilities.
Consumer complaint received 2022-11-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Avant Holding Company, Inc. (GA)

I filed a dispute with Avant via usps mail for the erroneous purchases. Avant- replied that they did not know which purchases I was disputing even though I included a copy of the statement with the purchases circled. 

I filed the same dispute to an email address provided by avant. Avant replied that I should call them. 

Upon calling avant I was transferred to XXXX who could not assist further with the dispute.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-02-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WEBSTER BANK, NATIONAL ASSOCIATION (VA)

I followed HSA Bank 's instructions on how to close the account and transfer my HSA funds to a new custodian. 

I sent the signed form to XXXX and the message did not bounce back. 

3 days later, on the phone, on XXXX, HSA Bank told me they can not find the transfer form and that they have not received it.

At this point, I don't see any way I can get my funds and prevent HSA Bank from starting to charge me maintrnance fees.
Consumer complaint received 2024-02-02
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TRUIST FINANCIAL CORPORATION (SC)

I purchased my new XXXXXXXX XXXXXXXX in XXXX, my initial loan servicer was through Suntrust Bank. Not long afterward they merged with Truist and I had continued to pay my loan payments on time or a little ahead of time. 

I moved to XXXX in XXXX and began the process to get Truist to send the lien title to the DMV for the first time in XX/XX/XXXX. I made multiple trips to the DMV who have not received the title from Truist. I then was unable to register my vehicle due to Truist not sending the title. I have contacted Truist on a monthly basis and recently over the last 2 months have been contacting them on a weekly basis. One month ago I paid off the vehicle since I wasn't getting the lien title sent thinking then they would have to send my title. I spoke with the corp office and had even made a XXXX XXXX  complaint to no avail. I received a voicemail from Truist on this complaint and have since then called that person multiple times and only receive voicemail without a call back. 

Most recently they mailed a form saying that I had paid off the loan, which I took to the XXXX XXXXXXXX. The DMV again told me that they had to have the actual title from in order to issue my registration etc. I again called Truist who repeatedly says they do not have my title and have been giving me the run around. I have called the XXXX and XXXX XXXX ( as these were the only other states previously registered in who report they do not have my title. My XXXX has been sitting in my carport for almost a year now, even though I own it I can not legally drive it without the DMVs registration, tags, etc. I believe this is illegal. Its seems fraudulent to have held the title as a lien holder then not provide to the owner the title even after the loan has been paid in full. I am beyond frustrated with this and have spent so many hours trying to resolve this issue on my own. Please help any way you can.
Consumer complaint received 2024-02-02
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Law Offices of Robert J. Colclough, III (CA)

On XXXX I was notified by my employer that the law offices of Robert J. Colclough sent a wage garnishment letter for a credit card debt they claim I owe. 

This came out of the blue, I didnt receive anything from this law firm prior and was shocked to see they claim I owe {$6200.00} and the letter had judgement original date of XX/XX/XXXX then new renewal judgement date of XXXX. 

I called them immediately and spoke with a guy they called XXXX XXXX : I told him I did not owe this or had no idea of credit card debt, he was very rude, I asked him to send me proof of the debt and our call ended. 

They have asked that my paychecks be garnished at 20 % and the garnishment letter states the original amount due was {$3900.00} + {$2300.00} in interest. Ive also read similar reports about the practices of this firm.
Consumer complaint received 2024-02-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: TransferWise Ltd (CA)

To whom It may Concern. 
My name is XXXX XXXX, who has XXXX credit card last4 digit XXXX. 
On XXXX, I tried to order XXXX XXXXXXXX with Wise and before submitting, the Wise asked to charge me cash advance and need to pay some fees, too. I did not agree and closed it, but Wise still took my money in my account without my permission. I called to report with XXXX help me to take my money back in my account. But again, on XXXX XXXX, The XXXX allowed Wise took my money {$1000.00} without notifying me at aIl..This was second times Wise used my credit card information to charged my money without my permission.It is illegal and Wise need to be responsible to payy all fines. 
XXXX XXXX
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (ID)

Yamaha Motor XXXX, Capital One and XXXX XXXX all show as chargeoff which means they have all been turned into certificates of indebtness and can no longer be reported on my credit profile. Reporting is also a violation of the Privacy Act of 1974. It is also illegal to report my transaction history.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am aware that, in spite of the precise information customers have provided, you have been using pre-written standard form letters in your responses to a large number of disputes, complaints, and challenges. I am fully aware that this is illegal because every customer complaint needs to be considered on its own merits and handled accordingly. 

My letters have written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. And it is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I am aware that you can postpone answering consumer letters without having to ask for a Power of Attorney. I will view your failure to respond to my correspondence in a timely manner as a willful disregard for my rights as a customer. I will be forced to get in touch with my lawyer and take legal action in such a situation. 

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of Metro 2 data fild reporting, I have the right to dispute any information on my credit report that I believe is not correct. It is essential that all data included in a consumer 's file is properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and fiancial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. It is crucial that we ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as METRO 2. I kindly request that you handle this matter with utmost care and diligence.
Consumer complaint received 2024-02-01
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

On XX/XX/XXXX, my card was declined when I attempted to place a planned charge on the account. Yes it was a large charge. Approximately XXXX XXXX. The card is advertised as having no pre-set spending limit. My bill is due XX/XX/24 and this is causing me undue stress and hardship. I may not be able to achieve the sign up bonus spend of XXXX XXXX because the card issuer is not allowing me to place this large charge on the card with, " no pre-set spending limit ''
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: CAPITAL ONE FINANCIAL CORPORATION (ID)

On XXXX i noticed XXXX hard inquiries that i didn't authorize. XXXX was on my XXXX  report and XXXX wer on XXXX XXXX. XXXX from capital one and XXXX from something called XXXX  or something like that.