davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-20
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Securus J Holdings, LLC (TX)

You recently sent me a letter and a check to reimburse me for fees that JPAY charged illegally for my preload JPAY card issued in 2012 by the State of Michigan XXXX. 
One question is " Why doesn't XXXX have to pay interest on this money? ", after all they had it illegally for 0ver 10 years. If this had been money that I obtained illegally from anyone, I would have had to pay all kinds of interest and penalties. 
Question # 2 is : I was never able to use the money on this card because they said I didn't have the proper PIN #. When I created the PIN # I wrote it on the card so I would have it, I know this is not advisable, but if I lost the card, I wouldn't be able to get the money anyway. 
My question is, " Can I still get this money back? '' I think I clicked NO when asked if I had contacted them about the problem, the fact is I did ( at least 3 times ). I called their phone number on the back of the card and was informed each time that without the proper PIN # there was nothing I could do. I had the proper PIN #, they just didn't seem to have it.
Consumer complaint received 2024-02-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Blackhawk Network Holdings Inc. (WI)

In addition to complaint, XXXX opened on XX/XX/year>. As of XX/XX/year>, {$500.00} has disappeared from my safe and there is NO transaction history showing any withdrawals. Due to already having a case against XXXX, I have NOT contacted them.
Consumer complaint received 2023-04-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CURO Intermediate Holdings (WY)

On Complaint # XXXX AD Astra stated XXXX XX/XX/23 that they would have this debt removed from my credit report. They state it could take up to 30 days, it has now been 65 days and it is still on my credit report. Phone calls have gone unreturned. There previous answer was a blatant lie and has caused me severe harm in receiving financing. I have attached the previous answer showing what they said they were going to do and they have not done it.
Consumer complaint received 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: World Acceptance Corporation (GA)

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 : World Finance XXXX XXXXXXXX #, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX XXXX ; Account Name : XXXX XXXX XXXX # XXXX has violated my rights. Please remove all these accounts from all 3 Credit Bureaus.

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 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I am reaching out to inform you that I have been a victim of identity theft. Please consider this letter as a formal dispute regarding the following accounts. I have directly contacted all the companies involved and followed the necessary steps to address this issue. I have filed an identity theft report with the FTC and contacted each company individually to dispute the inaccurate information that should not be on my file. Your assistance in resolving this matter promptly would be greatly appreciated. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NC)

Last year, my wife and I fell behind on our mortgage. After a long, arduous process, Carrington Mortgage finally agreed to allow us to do a loan modification. The modification would allow us to bring our loan out of default. The 1st part of the modification process involved us making three consecutive " trial payments, '' before the modification could be finalized. We made our payments in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX with no problems, as we were asked to do. At that time, our modification rep at Carrington e-mailed us and told us that they were sending paperwork that we had to sign and send back to them by XX/XX/XXXX, in order to complete the trial period and move on. We did that, too. Nowhere in the paperwork they sent us and had us sign, did it mention anything about what our new mortgage payment would be due, how much it was, or when it was due. The third week of XX/XX/XXXX, I e-mailed our modification case worker, and let her know that we had returned the signed and notarized paperwork, and provided her with a tracking number to track the package. I asked her to let me know what was next, as soon as possible. A couple of weeks passed, and we received our mortgage statement from Carrington for XX/XX/XXXX. In their statement, they showed that we were still in foreclosure, and made no mention of any payment being do and when. This created a concern for me, so I contacted our modification rep again, this time by phone. She assured me that everything was processed properly, and that I would be getting information about our new payment soon. That information never came. Just last week, I e-mailed our Carrington modification rep again, and let her know that we STILL haven't received any information about our new mortgage payment or due-date, and that I was starting to become concerned. Well today, XX/XX/2020, I received two letters from Carrington Mortgage simultaneously. One of the letters was a late notice! Carrington said I had a mortgage payment that was due on XX/XX/XXXX that was now late, and that they were charging me a late fee. I also received a mortgage statement for XX/XX/XXXX, stating that I owed two mortgage payments and a late fee by XX/XX/XXXX. We have spent so much work and effort to get this mortgage back on track, and this was just devastating to us.
Consumer complaint received 2020-07-27
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: Experian Information Solutions Inc. (IL)

I have contacted Experian and filed a previous complaint XXXX explained that I have NEVER applied for anything using my credit report. I have explained numerous times that the accounts for XXXX XXXX {$470.00} & XXXX XXXX  XXXX {$420.00} does not belong to me. These are not my accounts and I have not received anything from these companies. I have been a victim of identity theft and these accounts were opened as a result of fraud!!!!!!! Experian deleted the account for XXXX XXXXXXXX XXXX but not the XXXX XXXX {$470.00}. Please delete this account previous documentation has been faxed.
Consumer complaint received 2024-05-01
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Approx XX/XX/24 I called BofA since my CD matures XX/XX/24 and I wanted to be sure they moved the funds into my checking account since their program automatically rolls funds into new CDs. 

XX/XX/24 ( today XXXX PST ) I ask BofA to move the matured CD to my checking account. They said they can not since I called in XXXX, they set it up to send me a check, which will take 7-10 business days, which they said nothing about on my previous call. I told them to put a stop payment on the check and move funds into my checking account. They said the stop payment will take over 7 business days so I am better off waiting for the check. I know they can do a stop payment immediately so they are holding my money interest free for over a week when I desperately need these funds, as I let them know. Just spoke to a manager who called my back, but was not able to resolve the situation in any way. 

It is not that hard for Bank of American to move funds into my checking account, which leads me to conclude they are for sure playing games to keep my money interest-free a little longer.
Consumer complaint received 2024-05-01
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Nelnet, Inc. (TX)

Am in good standing with XXXX loans, i have filed with XXXX departments defferrement based on low income, it came when i tried to apply for morgage as first time buyer and discovered there was different XXXX loans i wasnt aware of it. They have reported me to credit bureaus
Consumer complaint received 2024-05-01
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)

Capital One denied my claim because I do not have a receipt showing the correct amount. 

On XX/XX/2024, I took a taxi from XXXX XXXX XXXX to the XXXX XXXX. Before entering the vehicle, I confirmed the estimated fare with the driver, and he quoted XXXX. Upon arrival at my destination, I again verified the fare, and the driver simply nodded without providing a specific amount. He then presented a payment terminal without a display and requested payment via XXXX XXXX. 
After completing the payment, I received a receipt showing a charge of XXXX. I immediately disputed the excessive charge with the driver, but he refused to adjust the fare or provide a refund. 
I understand that Capital One requires proof of the correct fare to submit a dispute to XXXX. However, due to the fraudulent nature of the transaction, the driver did not provide a valid receipt reflecting the originally agreed-upon amount. It is unreasonable to expect a formal agreement when hailing a taxi. 
According to the Fair Credit Billing Act, I believe I am protected from unauthorized charges. I have already submitted documentation reflecting the customary fare for this route, which falls between XXXX and XXXX. 

I attempted to file a complaint through a consumer protection agency in the XXXX. However, the website indicated that filing a complaint requires XXXX or XXXX XXXX citizenship. 
Therefore, I submitted a complaint email to the taxi company. They responded via email, acknowledging the excessive charge and stating they would investigate. Unfortunately, I have not yet received a refund or any further updates from the taxi company.
Consumer complaint received 2024-05-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I recently pulled my credit report and it was things there that I wasnt aware of. Wrong amounts, wrong dates and if Im not mistaken the bureaus and the company has to report correctly, and if this is the case I filed identity theft because someone is reporting wrong information on behalf of me. I didnt even recognize the dates. How can they do this without my concent or signature. How is this legal, and my guess is that its not. Its causing me so much stress, please have them remove this immediately. This breaks so many violations. I have attached many of the violations in the paperwork that I have recently looked up and consulted my lawyer about.
Consumer complaint received 2023-11-27
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. (NY)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-08-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NV)

On XX/XX/2018 I sent two transactions using an app payment method ( XXXX ), on for {$20.00} and the second for {$200.00}, I was buying tickets from someone for a total of {$430.00} and was told I can pay the rest of the money once I received the ticket. On XX/XX/2018 I further ask information about the tickets and the person selling the tickets blocks me. Then through the app I " request '' a total of {$220.00} back from the scammer, I request it on XX/XX/2018 and get declined twice. I also called my bank to dispute the transaction and they tell me they are unable to do so. This is someone I trusted and was acquaintances with, so I was given no reason not to trust them. I then looked them up on social media and was also blocked from all of their accounts, however I saw this happened to another woman by the same guy and i have been in contact with her as well.
Consumer complaint received 2024-02-01
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: The Outsource Group, Inc (NC)

I have multiple invoices from XXXX XXXX XXXX in XXXX XXXX, SC. XXXX XXXX XXXX XXXX XXXX XXXX etc. The hospital uses a company called Medicredit. I have set up two separate payment plans with them with one being an amount I really cant afford. Inpu all of these on a payment plan, but they continue to call to try to collect the debt. If I wasnt paying anything, then I would understand the phone calls to collect the debt. This is now harassment and I have Generalized XXXX. Im asking Medicredit or XXXX XXXX XXXX to no longer contact me unless for some reason I need to renegotiate the payment plan due to loss of employment.
Consumer complaint received 2024-04-12
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)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-27
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. (LA)

On XX/XX/XXXX XXXX XXXX I submitted a request to XXXX XXXX to investigate the accuracy of information being reported to XXXX, Equifax and XXXX XXXX Credit Reporting agencies. XXXX replied with the attached letter dated XXXX XXXX XXXX, informing me the information was being reported accurately. I have illustrated these errors in the resolution to issue section below. No actions were taken to correct the obvious errors in the most recent XXXX credit reports that I have also attached. XXXX has failed at performance when it comes to this consumer loan failing to properly investigate on multiple occasions in accordance with Federal Regulations. Please review the attached documentation and investigate.
Consumer complaint received 2022-10-20
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)

In accordance with the Fair Credit Reporting act XXXX Accounts, has violated my rights. 
( XXXX  ) # XXXX ( XXXX  ) # XXXX ( XXXX XXXX ) # XXXX 15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-11-27
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. (GA)

Unauthorized inquiries are showing on my credit report and have not been removed yet. According to the FCRA, they should be removed. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX
Consumer complaint received 2023-11-27
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$190.00} XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXXXXXX Balance : {$17000.00} XXXX XXXX XXXXXXXX Balance : {$190.00} XXXX XXXX Balance : {$17000.00}
Consumer complaint received 2018-08-31
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: IPAC'S Inc. (IN)

Debt collector from Advanced Recovery Services, XXXX XXXX, deceptively addressed my personal XXXX  debt to myself and my wife. This deceptive, because if this is submitted to the credit bureaus, it will impact my wife 's credit as if this medical debt was her 's -- which is not. I contacted the collection agency in XX/XX/2018 by letter requesting the removal of my wife, XXXX XXXX, from the debt and to cease and desist including her in this debt. I realize this is a deceptive way to collect the debt and cause irreparable harm to an entire family, instead of just the XXXX adult that owns the debt. This is why I gave the agency the chance to fix their error in judgment before submitting this complaint to you. After XXXX, they have mailed further collection letters, continuing to address them to myself and my wife. I have no recourse but to file this complaint with you and request your help in this illegal and deceptive practice by this debt collector and his or her agency. Thank you.
Consumer complaint received 2024-01-23
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (TX)

I was charged interest on my XX/XX/2024 statement when my balance was paid off on XX/XX/2024. My statement time is from XXXX. Since the credit card was paid off in full before the statement closing date, no interest is allowed to be charged
Consumer complaint received 2023-11-27
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. (MA)

I am writing to bring to your attention a dispute I have with Equifax regarding inaccuracies in my credit report. On XX/XX/XXXX, I contacted Equifax to address the following discrepancies, but to date, I have not received a response. I believe these issues warrant immediate attention and resolution in accordance with the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX : Date Opened : XX/XX/XXXX Balance : {$5900.00} XXXX dispute the accuracy of the reported information, specifically the balance of {$5900.00}. I am uncertain about the validity of this amount, as it appears higher than what I recall. Furthermore, the account is presented as closed and charged-off, and therefore, the Past Due amount should not be provided. I intend to clarify this matter with the creditor. In the interim, I request Equifax to mark this account as disputed to prevent any further negative impact on my credit score. Additionally, I request verification of the Date Opened, Date of Status, and First Reported for this account. 


XXXX XXXX : Date Opened : XX/XX/XXXX Balance : {$4200.00} XXXX dispute the reported balance of {$4200.00} as inaccurate. I believe the correct amount is lower. Moreover, as this account is closed and charged-off, the Past Due amount should not be presented. I request Equifax to mark this account as disputed until my dispute with the creditor is resolved. Additionally, I request verification of the Date Opened, Date of Status, and First Reported for this account.