davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-09
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (CA)

I purchased a prepaid card on XX/XX/year>. The card shows as activated on the receipt so this company received my funds for the card. I went to use the card and it was declined. I called the company to find out why my card was declined. I was told the had received the funds but there was a problem with their system activating the card. They then requested I email documentation showing I had purchased the card ( the receipt and pictures of the card ). Case # XXXX. I sent all the documentation requested on XX/XX/year> to the email address they had given me. I sent a followup email asking if they had an update on the status of this and called twice including most recently XX/XX/year> where I spoke with XXXX who told me nothing had been done on this case and it was just sitting there. The company is just holding onto my funds earning free interest and is refusing to put the balance I paid on the card or to send me a replacement card or a refund check.
Consumer complaint received 2023-01-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION (NY)

I purchased a XXXX  XXXX XXXX  from XXXX XXXX for suppose to be sale price of XXXX with a trade in of XXXX, they got me approved through credit acceptance with an interest rate at highter percentage than they said! The dealer also said dont tell no one we have you XXXX for you XXXX only credit acceptance if they ask! On my paper work after I left they never even showed the XXXX for XXXX and the cost is XXXX! XXXX still paying and getting no where its XXXX  me! I contacted dealership and they said the sale was complete and explained but it was not!
Consumer complaint received 2023-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$5900.00} XXXX XXXX XXXX XXXX Balance : {$5800.00} XXXX XXXX XXXXXXXX XXXX Balance : {$3900.00} XXXX XXXX XXXXXXXX XXXX Balance : {$350.00} XXXX XXXX XXXXXXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX XXXXXXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$18000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$1100.00} XXXX XXXX XXXXXXXX XXXX Balance : {$5900.00} XXXX XXXX XXXXXXXX XXXX Balance : {$3900.00} XXXX XXXX XXXXXXXX XXXX Balance : {$1900.00} XXXX XXXX XXXXXXXX XXXX Balance : {$3000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$5800.00} XXXX XXXX XXXXXXXX XXXX Balance : {$9300.00} XXXX XXXX XXXXXXXX XXXX Balance : {$10000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$350.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$18000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX Balance : {$5900.00} XXXX XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXXXXXX XXXX XXXX Balance XXXX {$1900.00} XXXX XXXX XXXX XXXX Balance : {$3000.00} XXXX XXXX XXXX XXXX Balance : {$5800.00} XXXX XXXX XXXX XXXX Balance : {$9300.00} XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX Balance : {$350.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I been Victim Of Identity Theft, Those Account Aren't Belong to me. 
Credit Card Opened by the XXXX Company or Organization XXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$2100.00} Credit Card Opened by the XXXX Company or Organization : XXXX  Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$240.00}
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (NV)

In accordance with the fair credit reporting act this list of accounts has violated my federally prote Ted consumer rights to privacy and confidentiality under 15 USC 1681. 
Accounts # XXXX LV Funding  Dated XXXX Has violated my rights 1 ) 15 USC 1681 SEC 602A.. states I have a right to privacy.

2 ) 15USC1681 SEC 604 SEC 2 states, a consumer reporting agency can not furnish a account without my written instructions.

3 ) 15 USC 1681 C ( a ) ( 5 ) 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 wich antedates the report by more than 7 years..

4 ) 15USC 1681 SEC 2 ( a ) ( 1 ) A person shall not furnish any information Relating to any consumer reporting agency if the person knows or has resealable cause to believe information not accurate.I did contact the XXXX reporting agencies and complain and they still are reporting this.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have sent numerous letters to the credit bureaus requesting that several accounts be validated that are on my credit reports. Despite my numerous letters, these accounts are still reporting inaccurately. 

XXXX continues to report the payment history different on all three bureaus. 

and XXXX XXXX XXXX ( XXXX XXXX XXXX ) continues to report the payment history different on all three bureaus. 

Per the FTC, this should have been corrected already per my numerous requests.
Consumer complaint received 2018-07-11
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NATIONSTAR MORTGAGE LLC (CO)

We refinanced with Mr Cooper rolling our first mortgage and second mortgage together paying off all our credit cards and other debts. We also had about {$40.00}, XXXX cash out on the loan. During the closing process we asked about a couple things that they said they were going to be paying off. One was a credit card that did not belong to us it belongs to my husband 's boss totaling over {$5.00}, XXXX. Then there were five checks made out to pay my school loans but they were made out to the incorrect company. We closed on XX/XX/XXXX, I called on XX/XX/XXXX to get them corrected. They dispersed funds on XX/XX/XXXX but still made the checks out incorrectly. I've attempted to contact them numerous times not being able to reach people half the time and being transferred to various people. It has now been over a month and I still am not getting any resolution on this. We are out more than {$7.00}, XXXX and feel like we are being ignored.
Consumer complaint received 2023-03-14
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

In accordance with the Fair Credit Reporting act XXXX Account # 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 2023-11-10
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc. (AR)

im had XXXX on a prepaid card that expired on XX/XX/23, i asked the company to reissue me a new card, and they refused, stating that my XXXX was forfeited.
Consumer complaint received 2024-08-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (NJ)

Citi Bank closed my accounts a week after opening them. They never gave me an explanation just that I will recieve my funds in the mail within 60 days via a check. I received said check and noticed it's not even half the funds that were in my account. I had {$9700.00} in the account and received only {$2700.00} via check. So they blatantly just took my money and I can't even ask them about it because in order to talk to customer service you have to have an account with them. Which I don't because they closed it.
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 — Their investigation did not fix an error on your report
Company: CCS Financial Services, Inc. (WI)

I'm writing to impart my nervousness with respect to the challenged records on my credit report. On different events, I have raised the issue of blunders in these records, and have dependably referenced that they be completely investigated. No matter what my undertakings, I actually really can't get any objective or medicinal action. These wrong records are truly hurting my credit report and disturbing my ability to continue with a customary life. The antagonistic outcomes of these mistakes have caused monstrous challenges for me, and I'm left with no choice aside from to contend for your assistance with remedying what's going on immediately. I humanely request that you direct a cautious assessment concerning the enumerating of all of these challenged records. It is fundamental that the fundamental advances are taken to revive and review my credit report right away. With your help, I want to restore the accuracy and genuineness of my credit record so I could recover control over my money related success. I sincerely request that you offer this matter your most outrageous thought and take a speedy action. Your cooperation and moving in settling this issue rapidly would be tremendously important. Much gratitude to you early on for your appreciation and help.
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 — Was not notified of investigation status or results
Company: CCS Financial Services, Inc. (IL)

For the past few months, my credit report has been showing a collection account under the name CREDIT COLL ( XXXX ) that I have fully paid off and marked as paid, yet it remains on my credit history. I disputed the information regarding this account in writing, requesting the reasons for its continued presence on my report after the debt was settled. However, I have not received any response from the collection agency. Therefore, I decided to file this complaint, stating that the account is presenting discrepancies among the XXXX credit bureaus, which is even more concerning because, according to my research, the lack of information or inaccurate reporting among the XXXX credit bureaus constitutes a violation of 15 USC 1681e ( b ). The fact that it remains on my report as it is causes harm to me, especially since I have fulfilled my obligations to them in full. They are also violating the following sections of 15 USC : 15 USC 1681i ( 5 ) : Failure to conduct a reasonable investigation into disputed information. 
15 USC 1681 ( a ) : The inaccurate and misleading information contained in the credit report violates the FCRA 's requirement for fair and accurate reporting.

15 USC 1681 ( a ) : The failure to investigate and correct these inaccuracies within a reasonable time frame is a violation of the FCRA. 
15 USC 1681s-2 ( a ) ( 2 ) : Furnishing information to a consumer reporting agency without the consumer 's written instructions.

15 USC 1681n : You have failed to provide me with clear and conspicuous notice of my rights under the FCRA.
Consumer complaint received 2024-08-05
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (FL)

Ref previous complaint XXXX Hello, I have been a AMEX customer since 2013, and they provide cards for myself and both of my businesses and a line for credit for one of them. In all of this time I have never missed a single payment, paying off the full balance due each month. Today, XX/XX/XXXX, American Express decided to wipe out my credit limit on my personal credit card, and begin declining all charges, including recurring charges, and once again demanding early payment before the due date. This happened in XXXX of this year, and after I complained to the CFPB, they relented and restored my credit limit, however punished me by using the brief period of lower credit limit as justification to slash my business line of credit. 

Today marks the second time AMEX is punishing me, despite the fact I pay all of my bill in full and on-time every month, and have never carried a balance. To be frank, I think the fact that I do pay my bills is why I am being punished, since that reduces the amount of money they make off of me.
Consumer complaint received 2024-07-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (WA)

XX/XX/XXXX, payment confirmation XXXX, old Mohela account number XXXX, The full amount of loan ( Direct Unsubsidized Stafford Loan, loan # XXXX, payoff {$3500.00}, disbursement date XX/XX/XXXX, was paid off. I have the payoff payment confirmation. I also have the payoff payment confirmation of XXXX for Direct Subsidized Stafford Loan, loan # XXXX ( payoff amount {$2100.00}, disbursement date XX/XX/XXXX ) and another Direct Unsubsidized Stafford Loan, loan # XXXX ( {$290.00}, disbursement date XX/XX/XXXX ). However, these loans show on this new Mohela platform as still due. 

I have called Mohela *several* times and have been assured that they can log into the 'old ' platform and see the payments. They have simply chosen not to apply the payments to my account. The last call was in XX/XX/XXXX and they assured me that 21 business days, the account would be correct. The account is still incorrect. This is bonkers. 

Please address this ASAP. All XXXX thru XXXX {$1000.00} payments, and all future payments are applied to ALL 9 of the loans including the 3 above that were paid off in XX/XX/XXXX. This is alarming. Please research and correct. I have uploaded the MOHELA pdf 's of the payoff proof, payment submittal and my bank statements providing further proof of the payments.
Consumer complaint received 2024-08-05
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Carvana Group, LLC (MI)

XXXX is a third party debt collector, and listed as a servicer to Carvana, was sent correspondence and an affidavit to inform them of their violations of the FDCPA, SEC, my Federally protected privacy rights of 1974, ( 5 USC 552a ) Proof of contract between parties and not STATEMENTS, committed language fraud, and in the FORM 8-K 7TH SUPPLEMENTAL INDENTURE, Rule 425 under the Securities Act ( 17 CFR 230.425 ) 16 CFR 433.2 they I informed them i revoked any and all rights i may have given them, written, non written, verbal and nonverbal, and still they're going against federal law, the SEC indenture they signed to and uphold. I revoked their POA and provided my POA in place, and under penalty of perjury, they didn't rebut what was given to them. i have not received my 1099c from the Trustee and due to the debt is already prepaid due to 18 USC 8, and I've already given them a promissory note that was securitized, which is under the UCC which they committed securities fraud. under 15 USC 6802 they may not disclose my information without my written consent and they didn't receive it, because i never gave it so that would be Identity Theft 12 CFR 1022.3. XXXX has caused injury and are civilly liable for their willful noncompliance 15 USC 1691n and 15 USC 1681o. as a federally protected consumer I'm enforcing my rights to have my compensations remitted due to the injuries caused. by reporting late on an open-ended credit, that's a violation as well.
Consumer complaint received 2023-03-14
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. (PA)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-08-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Collection Systems, Inc. (MO)

Submitted dispute to XXXX regarding a collection from National Credit Management for {$610.00} from XXXX XXXX XXXX. I submitted the dispute because I never received notification of the unpaid bill and I have not received any notification from National Credit Management which started reporting on XX/XX/year>. I have received no correspondence from them regarding payment in over 8 months. I didnt even know it was in collections until I checked my credit report. How can I have a debt if I havent even been notified of the debt?
Consumer complaint received 2023-09-21
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. (NJ)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and updated for erroneous reporting in my file are listed on my credit report : XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

I want to be clear that this complaint is not a mistake or sent in error. My credit report has some information that are false and not the maximum possible accuracy. This inaccurate information is causing me undue stress and it's affecting both my life and credit score negatively.
Consumer complaint received 2024-08-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Fay Servicing, LLC (MS)

On XXXX XXXX, Fay Servicing issued a check for escrow overage. Since my father co-signed on the mortgage, the check was in both our names. He passed away over a year ago. I contacted Fay Servicing in XXXX and explained he had passed away and I need the check reissued in my name. I had to send death certificate, birth certificate, driver 's license and I even sent a copy of his will. I was informed to send the check back and I did. XX/XX/XXXX the check was returned requesting signatures. I call confused. I was informed a new check was issued XX/XX/XXXX. On XXXX I called because I still had not received the check. I was told to call back on XXXX. When I called back I was informed that the escrow check would not be issued until I paid XXXX payment. I still have not received a payment and I am unable to reach my point of contact at the mortgage company. 
Also, my monthly payments went up due to escrow shortages but they still sent a check.
Consumer complaint received 2024-08-06
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: Kikoff Inc. (TX)

I am writing to express my deep concern regarding a derogatory rating on my account. This negative mark is significantly impacting my credit, having already led to a loan application denial and increased interest rates on my existing credit accounts. The financial and emotional strain this is causing me is severe and ongoing. 

I formally request that you take immediate action to remove and block the negative entries reported about me to the three major consumer reporting agencies, in accordance with legal requirements. I expect this to be completed within the timeframe stipulated by law.
Consumer complaint received 2024-08-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC (NV)

I attempted to transfer a portion of my XXXX holdings from the Gemini exchange to a self-custody wallet on XX/XX/XXXX and was unable to do so due to a security hold. I submitted a ticket and received a response requesting I submit a photo of myself with identification and the ticket number. I submitted the photo immediately. 
I then received a request on XX/XX/XXXX for documentation of my external wallet address and ownership, which I submitted on XX/XX/XXXX. On XX/XX/XXXX, I was requested to provide source of wealth information, which was provided. On XX/XX/XXXX, I was asked if I had an investment opportunity I was using my crypto for. I responded that I was simply trying to move a portion of my XXXX  to test a self-custody wallet. 
I have now been trying to access my currency for nearly two weeks ; I have verified my identity, provided proof of ownership of my external wallet, and answered all questions, and the security hold has still not been lifted. 
I then submitted a complaint ticket explaining the steps I have taken, and they requested I submit a photo with ID again. They still will not allow me access to my cryptocurrency.