davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-21
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. (FL)

I purchased {$140.00} vanilla Visa gift card back in XXXX on XX/XX/XXXX and I tempted to use it and it wasn't working I called the customer service number for them and was insisting on getting a refund they told me that no matter what within 3 weeks I would have a paper check in my hand for the amount I paid that I wasn't able to use and that they would mail it to my address they said they've mailed it now twice and they haven't they've scheduled calls with me to figure out why I'm not getting my refund and they've never followed through and actually showed up and called like they were supposed to I've tried to file a dispute with my credit card company that I used to purchase the gift card and they will not approve my dispute unless I have some type of proof of everything and so I've called vanilla gift card customer service multiple times on multiple occasions and giving them every opportunity to do the right thing and refund me and nobody has done the right thing and it's now going on almost 4 months later I can't keep doing this they've taken almost {$150.00} after taxes and fees from me and they refused to refund it and I wasn't able to use the gift card and they will not provide any type of documentation about this so I can submit it to my credit card company for a dispute because vanilla is refusing to do the right thing they keep saying they've sent it but they've not provided any type of documentation or proof to me that they've actually told the truth to me and they won't give me a new vanilla gift card and they won't just refund my card either so this is crazy and I've been more than patient and I need this corrected immediately. Case number # XXXX and Case # XXXX this was given to me to provide during a call I scheduled with their '' escalation '' department That I was supposed to have gotten a call back for this by no later then XXXX on Wednesday XX/XX/XXXX. And I waited 2 days after that date before I called them again to try to figure out what was happening and they tried to again push me off and tell me that they would be escalating this again and then they also refused to provide any type of documentation of what's happening to my email or through the mail or by fax anything and they said they weren't allowed to do that and they can't do that and I have yet to hear back from anybody and I'm not giving up and I need them to refund every single dime they've refused to give me back for a service I've not been able to use.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CORELOGIC INC (CA)

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX XXXX XXXX of Birth : Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-07-04
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (MA)

Dear Cfpb ; CCS Companies. 

There are XXXX accounts under name name and ssn number on my credit report that i believe is fraud and i have no knowledge of this company. I am writing to formally dispute the existence and validity of XXXX alleged accounts appearing on my credit report, which I believe to be fraudulent. These accounts have been confirmed by you, the CCS XXXX, despite my lack of any prior knowledge or relationship with your agency or the original creditors associated with these debts. 

Upon reviewing the details provided by the credit reporting agency, it is evident that there are numerous inaccuracies in the reporting of these accounts, which directly contravene the provisions set forth in the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

In an effort to resolve this matter amicably, I request that you provide the following documentation as proof of the alleged debts : Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) pertaining to this matter.

Documentation of the legal basis for your collection of information. 
Documentation of the legal basis for your collection of the alleged debts. 
Proof of your authorization to conduct business or operate in my state. 
Evidence of the alleged debts, including any contracts or instruments bearing my signature. 
A comprehensive account history, detailing any charges added for collection activities. 
I am filing this complaint due to the violation of my consumer rights as guaranteed by the FCRA and FDCPA. Specifically, I assert the following violations : Violation of 15 U.S.C. 602 ( a ) regarding privacy rights.

Violation of 15 U.S.C. 604 ( a ) ( 2 ) concerning the furnishing of account information without my written consent.

Furthermore, I demand an immediate cessation of all communication and collection activities related to these disputed accounts. Additionally, I request the prompt removal of these accounts from my credit report, as they are unrecognized by me and lack any basis in contractual obligation. 

Your actions have also violated specific provisions of the FDCPA, including but not limited to : 1692d : Harassment, oppression, or abuse in connection with the collection of a debt.

1692e : Use of false, deceptive, or misleading representations.

1692e ( 2 ) ( A ) : Misrepresentation of the character, amount, or legal status of the debt.

1692e ( 5 ) : Threats of legal action not legally permissible or intended.

1692g ( b ) : Failure to disclose clearly the validation rights of the alleged debt.

1692f : Use of unfair or unconscionable means to collect or attempt to collect a debt.
Consumer complaint received 2024-06-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

In summary : Despite XXXX confirming these orders were canceled due to unauthorized access, and despite providing detailed information and documentation, XXXX out of XXXX disputed transactions have been rejected by Capital One. 

We provided comprehensive documentation, including : XXXX cancellation emails confirming the orders were canceled due to unauthorized access. 
Screenshots of the order status indicating they were removed from our account. 
Detailed lists of transactions with dates, amounts, and corresponding orders. 
An explanation of the delay in opening a dispute due to transaction complexity, exchange rate variations, XXXX split charges, and efforts to resolve with the merchant XXXX. 

Given the complexity and the time required to identify the erroneous charges, these disputes should have been considered on their merits despite Capital One 's arbitrary 60-day deadline. Our documentation clearly supports that these charges were unauthorized and should be refunded. 

~~~~~~~~~~~~~~ In detail : Between XX/XX/XXXX and XX/XX/XXXX XXXX XXXX ( .XXXX XXXX XXXX XXXX XXXX XXXX ) charged us a total of {$32000.00} over 23 transactions and two Capital One accounts for orders which XXXX claims to have canceled. According to emails from XXXX they canceled the orders because : " an unauthorized party may have accessed your account ''. 

We confirmed each order had been canceled by accessing the status of each in our XXXX account which returns a message stating : '' We recently detected unauthorised activity on your account and have removed this order from it. '' We have a very high volume of large transactions from XXXX XXXX on our card statements and reconciling each transaction to its associated XXXX order border on impossible due to the volume, daily variation of exchange rates, XXXX 's habit of breaking up charges for one order into an arbitrary number of separate charges, and XXXX 's inaccurate presentation of the way the charges have been split. 

Because of the above, it took us time both to identify that we had been erroneously charged and to find exactly which transactions were invalid. 

We spent time attempting to resolve the matter first with XXXX, but without success. 

We initiated a dispute with Capital One on XX/XX/XXXX and on XX/XX/XXXX received notice that the 3 most recent transactions had been refunded, but for the remaining 20 transactions totaling {$28000.00}, the disputes were being rejected as Capital One wanted additional information. 

On XX/XX/XXXX we reopened the cases with Capital One, supplying the requested information. 

On the same day and the following, Capital One rejected all of the disputes citing either that submissions lacked requested information ( untrue ), or that they could not reverse the transactions because they were past a 60-day deadline.
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (CA)

Dear Sir or Madam, Subject : Request for Assistance with Dispute Resolution Inaccurate Bankruptcy Record Reporting I am writing to seek assistance with an unresolved issue concerning the reporting of my Chapter XXXX bankruptcy by the credit reporting agencies XXXX and XXXX. Despite a previous dispute filed and processed in XX/XX/XXXX, inaccuracies persist in my credit report that I believe are unfairly impacting my credit status. 

Background and XXXX of the Complaint : XXXX XXXX : Chapter XXXX bankruptcy XXXX. 
Date Filed : XX/XX/XXXX. 
Date Resolved ( XXXX ) : XX/XX/XXXX. 
Responsibility : XXXX. 
Reference Number : XXXX. 
Address of the Court : XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX. 
Phone Number of the Court : ( XXXX ) XXXX. 
Dispute Processing : My dispute regarding this matter was processed in XX/XX/XXXX, but the report remained unchanged. 
Despite my efforts to correct this issue directly with XXXX and XXXX, the bankruptcy record remains inaccurately reported. The response from both agencies stated that the item remained unchanged post-dispute processing, which contradicts the actual resolution details of my case. 

Impact on Me : The persistence of this inaccurate information is detrimental to my financial health, affecting my ability to secure credit and other financial services. It is crucial that my credit report reflects accurate and updated information as per the legal discharge of my bankruptcy. 

Resolution Sought : I request a thorough reinvestigation of the bankruptcy record and correction of the discrepancies found in my credit report. Additionally, I seek confirmation of these corrections in writing from both XXXX and XXXX. 

I have attached copies of relevant documents, including the bankruptcy discharge paperwork and correspondence with the credit bureaus. I am prepared to provide any further information necessary to assist in resolving this matter. 

Thank you for your attention to this serious issue. I trust the CFPBs involvement will ensure a fair and prompt resolution. 

Sincerely,
Consumer complaint received 2023-06-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: PNC Bank N.A. (AZ)

I opened and transferred a balance to PNC bank in XXXX XXXX it promised to be a zero percent for 15 months. 
I received a statement in the mail and discovered they had been charging me interest for the previous 3 months, XXXX, XXXX and XXXX. 
I contacted them XX/XX/XXXX and spoke to XXXX not only have they not sent me the requested copy of the agreement stating I would be charged interest they would not give the name of or transfer me to a supervisor! 
Their solution was to wait until the following month and see if I was still being charged and that is today, and the statement shows charged interest still being accrued in a zero percent card! 
They are now calling it fee, not listed as interest but in the detail portion it is listed as interest. 
This is deceptive and I suspect illegal. I read on PNC T & C you only have 60 days to make them aware of error and I sincerely believe this is why they dont acknowledge the complaint so the clock runs out.
Consumer complaint received 2023-07-03
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. (CA)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-05-31
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)

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 2023-08-03
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Amsher Collection Services, Inc. (WI)

you asked the collection agency to send me proof of the original contract from the original creditor. With my written signature. I also asked for proof of ID and Social security card which must be present when trying to obtain a service from t mobile and that I have never done any business with XXXX XXXX  or amshercollectionservices also The FCRA states that if they provide proof of original documentation that I am allowed to sue them. I want collection removed from all credit reporting agencies
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NV)

Trying to obtain a HELOC from XXXX XXXX XXXX XXXX ( XXXX ). We checked our credit scores before application, on XX/XX/2024 received a call from XXXX that our scores were coming back as XXXX point lower than what we pulled from the myequifax.com site. On that same day I called Equifax to inquire why they are showing one score but reporting a score to the lender that is XXXX points lower than that. I was told by Equifax that they could not provide this information but that it could be due to how the bank is running the credit score. How is that even relevant? I Do realize that different credit bureaus rate credit differently, however if I am looking up my own credit score from the same agency the lender is, how can it be that significantly different. This was for both mine and my spouses scores.
Consumer complaint received 2024-06-13
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (FL)

On XX/XX/XXXX, I was a victim of fraud. Someone used my signature on a check and was able to remove about {$3000.00} from my checking account. I reported this immediately with my bank, XXXX XXXX. While my case was under investigation, my account was negative. This caused late payment issues with certain credit lines. On XX/XX/XXXX there wa a reversal transaction with an installment loan I have with XXXX XXXX. This must have been reported with a credit burerau. After the investigation, the bank found evidence to explain my innocence. The money was then returned. 

However, in XX/XX/XXXX, Citi bank cancelled my aadvantage card due to a late payment/ reversal that was recorded from the credit bureau XXXX I have all my credit lines set up with automatic payments so the only time this was true was during the investigation of the money that was missing from my account. 

I have asked Citi to re-review my account and they denied my request. I find it unjust that I was a victim of identify theft which caused me hardship for several weeks and then months later, I am still experiencing negative outcome from the situation.
Consumer complaint received 2024-06-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Experian Information Solutions Inc. (SC)

On XX/XX/XXXX my employer deposited into my accounts, the bank placed the funds on hold, I called they gave the different reasons, I waited, and my funds wasnt made available, my employer deposited funds into the account again, and I still cant get my funds, I have called, they have gave me different answers, I call today, and they still cant give me A reason why my funds are still being held as pending in my account. The Experian Money card agents are rude, and when I ask to speak with management concerning this matter they hung up, acting like they cant hear me. I need help with this matter because I have tried to handle this, and it been almost two weeks since the first deposit was held with out A clear answer.
Consumer complaint received 2024-06-21
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (WA)

I am writing to formally file a complaint against Marcus Bank ( managed by Goldman Sachs ) regarding two recent transactions involving my savings account. 

On XX/XX/XXXX, I requested to withdraw {$50000.00} from my Marcus savings account. However, the bank reversed the transfer without providing any explanation. When I contacted the bank for clarification, I was informed that they could not provide any further information regarding the reversal.

Additionally, on the same day, I attempted to withdraw {$50000.00} from my Marcus savings account to deposit into my XXXX account. The bank blocked this transaction, stating that they needed to verify my identity. I confirmed my identity over the phone when the bank contacted me. Despite this, they now claim they need to verify my account ownership with another bank. 

These actions suggest a policy where money can be deposited into the account but not withdrawn, which is causing me significant inconvenience and preventing me from accessing my own funds for trading and other purposes. 

I am requesting immediate resolution of this issue. Given that happened, I am planning to move all my funds out of Marcus Saving account and cease any further business with this institution, I do need them to let me access my own money ASAP.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (UNITED STATES MINOR OUTLYING ISLANDS)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score.

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inacurrate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Consumer complaint received 2024-05-13
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: Experian Information Solutions Inc. (TX)

I sent a dispute letter on XX/XX/XXXX ( attached ) informing you that there were unauthorized inquiries on my credit report and a FTC report was filed. The only permissible purposes of an inquiry are employment, insurance, court order and firm offer of credit, neither of which apply - remove immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CORELOGIC INC (NY)

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX XXXX Date of Birth : Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX