davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-02
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Incomm Holdings Inc. (PA)

I am writing to file a formal complaint against InComm Financial Services regarding their handling of a tampered Vanilla Visa Gift Card ( VGC ) purchased from XXXX. The details of my complaint are as follows : On XX/XX/XXXX, I purchased a Vanilla VGC with a balance of {$500.00} from XXXX, paying a {$5.00} fee. Upon attempting to use the card, I discovered that the last two digits of the card number were scratched off, and the {$500.00} balance had been depleted in an unauthorized transaction at XXXX. I promptly reported the tampering and unauthorized transaction to InComm Financial Services on XX/XX/XXXX ( case number XXXX ). 

Despite following the instructions provided by InComm Financial Services and submitting the requested documents, including proof of purchase, documentation of the tampering and my identity and contact information, the issue has not been resolved. The status of my case was updated to " documents received '' and " replacement card sent '' after approximately two weeks. However, as of today, XX/XX/XXXX, I had not received the replacement card. 

During the past three months, I had called InComm Financial Services multiple times to check update, request tracking information, and ask for another replacement card. On XX/XX/XXXX, I received an email from InComm Financial Services that a replacement card was shipped via XXXX and would arrive within 2-5 business days, but the card never arrived. When requesting a tracking number for the shipment two weeks later, I was informed that one could not be provided. 

Therefore, I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that InComm Financial Services issues a replacement card in a timely manner and provides tracking information upon shipment. 

Attached to this complaint are copies of relevant documentation, including receipts, photo of the tampered card, and email correspondence with InComm Financial Services.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westcreek Financial (PA)

In XX/XX/XXXX, I called Koalafi to see how much I owed them and to resolve this account since it was severely damaging my credit report. 
In XX/XX/XXXX, I paid the account in full. I requested a letter that the account is paid in full for my records and for the account to be removed from my credit report. I was informed that I will receive the letter in the mail and my account will be updated. 
I called again in XX/XX/XXXX to make sure these things were done and to inform them that I have not received the letter that the account is paid. Again, I was informed that I will receive a letter and my credit will be updated. 
In XX/XX/XXXX, I applied for a mortgage loan and was informed that Koalafi is showing late payments and past due amounts for several months which is damaging my credit. 
On XX/XX/XXXX at XXXX pm, I called Koalafi, again requesting a letter and for this account to be removed from my credit report. I was informed that they will close the account today. I received a letter via email within 5 minutes. I informed them they that they have been reporting misinformation on my account from XX/XX/XXXX until XX/XX/XXXX and immediately remove this account off my credit report. To date I do not know if this has been done.
Consumer complaint received 2024-02-28
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (CA)

I had made a complaint with your company to try to have this resolved. 
You apparently contacted the bank and did not resolve my case. 
I have funds still being held since XX/XX/2023. I recently talked to the executive department and they told me to contact you again. That you can help me get this resolved. 
I opened my account with 2 checks of {$5000.00} each. The paperwork that was filed that day should have been mailed to my address. They said it would take 7 days for me to receive it. 
I never got them and that's when I went back and tell them what is happening and they had told me they closed my account. I was able to withdraw a portion of my funds but then they held the rest of it. 
They are holding my funds and refuse to return them to me. The checks that were deposited to open the account are of good standing and they have no proof that they were not and are holding my funds. 
Please help me get what belongs to me for I have done nothing wrong.
Consumer complaint received 2018-11-21
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ad Astra Recovery Services Inc (TN)

I requested AD Astra Recovery Services, Inc to provide me with a validation of the debt that they talked of earlier. I stated this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request AD Astra Recovery Services, Inc provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you AD Astra Recovery Services, Inc I have not received documentation demonstrating compliance with the Fair Debt Collection Practices Act ( FDCPA ) ( 15 USC 1692g Sec. 809 ( b ).

I also didn't give them permission to give my personal info to a third party without my permission. I would like for this account to be DELETED from all 3 credit bureaus
Consumer complaint received 2024-04-16
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)

Recently I did an investigation on my credit report and found several items on there to be inaccurate. 
( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the consumer 's file or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately. 
Listed below are the Personal Information that are being challenged : Employer - XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, GA, XXXX Employer - XXXX XXXX Incorrect DOB : - XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX, XXXX, GA, XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, GA, XXXX Listed below are the Accounts that are being challenged : XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX Listed below are the Collections that are being challenged : XXXX FIN - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged : XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX CAP XXXX NA - XXXX XXXX XXXX XXXX  - XXXX I am writing to bring to your attention my knowledge regarding your unlawful practices involving the distribution of standardized letters as responses to consumer disputes and challenges, without considering the specific details provided by each individual. Such actions are in direct contravention of the provisions outlined in 15 U.S. Code 5 1681i, which explicitly mandates that every dispute and challenge must be treated independently and evaluated on its own merits. I wish to emphasize that the letters I have submitted were generated using widely accessible software. Therefore, failure to process these letters would represent a violation of my rights as a consumer. Regrettably, I must view such non-compliance as a deliberate disregard for my rights, leading me to seek legal recourse by engaging the services of a lawyer. 

I conclude my communication with you with a genuine sense of professionalism and sincerity. 

My First and Last name is : XXXX XXXX
Consumer complaint received 2024-02-27
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A. (OK)

XX/XX/2023 : XXXX XXXX XXXX Account Opened. 

XX/XX/2023 : {$4500.00} deposited from XXXX. 

XX/XX/2023 : {$240.00} deposited from XXXX. 

XX/XX/2023 : Contacted XXXX regarding inability to log into account, received email stating account is frozen. 

XX/XX/2023 : Contacted XXXX to inquire about email stating account closure; informed a letter explaining closure would be sent in XXXX days. 

XX/XX/2023 : Contacted XXXX about receiving a {$200.00} check without further explanation ; directed to wait for information from another department. 

XX/XX/2023 : Contacted XXXX for account status and remaining balance; informed the back office couldn't provide details, awaited letter in mail. 

XX/XX/2023 : Contacted XXXX to question account closure; informed it was being handled by the fraud department. 

XX/XX/2023 : Contacted XXXX for account status ; directed to a different department with no answers. 

XX/XX/2023 : Contacted XXXX regarding account closure; informed it was with the fraud department, and an email was sent to the back office. 

XX/XX/2023 : Contacted XXXX for account status ; no information provided, referred to back office for closure details. 

XX/XX/2023 : Contacted XXXX to inquire about account status; informed it was still in the back office, not closed. 

XX/XX/2023 : Contacted XXXX to determine account closure and remaining balance ; informed closure was on XX/XX/2023, and remaining balance would be sent to chosen address. 

XX/XX/2023 : Contacted XXXX to follow up on remaining balance; informed a check was sent to the provided address, expected arrival in 30-60 days, but no check arrived. 

XX/XX/2023 : Contacted XXXX to request a new check and explanation for account closure ; directed to call the fraud department and escalate the matter via email. 

XX/XX/2023 : Contacted XXXX to request email and documents showing conversations and requests; informed they couldn't provide virtual documentation, but a letter would be sent. Requested callback from back office and sent an email for escalation.
Consumer complaint received 2024-02-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Revco Management, LLC (NY)

I am the insured. My husband is the patient. He received medical services in XX/XX/XXXX. The hospital submitted the claim to my insurance company. The insurance company reviewed the claim and directed the hospital to bill us for the adjusted amount. We received the bill from the hospital and paid the {$2700.00} in full in XX/XX/XXXX. 
In XX/XX/XXXX, the hospital sent us a new bill with multiple adjustments. They said we owed them {$530.00}. 
I contacted my insurance company for the Statement of Benefits. The company confirmed that the initial bill had not been further adjusted and that our responsibility was for the {$2700.00} that we paid. The statement notes that the provider should not charge us for anything that is over what is allowed. 
I contacted the provider and asked for an explanation. They have failed to provide anything that explains their new bill and the adjustments they made- they just keep saying that I owe it. 
They have now sent this to a collection agency. 
Can you please help get this resolved? Thank you.
Consumer complaint received 2023-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (AL)

XX/XX/2023 I sent a letter to the courthouse asking them if they report bankruptcy to the bureaus, they responded with a letter saying they do not report to any reporting agency. If thats the case how was this account verified? This further explains that there was not a fair investigation but ion according to USC 15 181 sec 603 E states. The term investigative consumer report and portion thereof. are obtained through personal interviews 15usc 1681 section 602 states that I have rights to privacy 15 USC 1681 604 a section..
Consumer complaint received 2024-04-16
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. (NC)

XXXX XXXX After reviewing my account, I noticed there was fraudulent activity reporting. There are accounts that I have no knowledge of or relationship with. The company has not provided the authorized agreement creating the debt which is required to collect on a debt 15usc 1692f. I have no obligation to pay a debt collector and amount that is alleged and not mine. 

-Under 15 US Code 1692f ( 1 ). Unfair Practices Please delete this account immediately
Consumer complaint received 2024-04-16
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. (SC)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-02-13
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC. (TX)

This matter concerns transfer of an XXXX XXXX XXXX  at ALLY BANK to the primary beneficiary ( XXXX XXXX ). 

My sister ( XXXX XXXX ) died XX/XX/XXXX. Ally Bank sent forms for the transfer of the IRA account, all of which were promptly completed and returned on XX/XX/XXXX. On XX/XX/XXXX, Ally stated it had all forms required and the transfer would take " XXXX business days '' to accomplish. On XX/XX/XXXX, I followed up by phone call, and Ally Bank claimed not to have XXXX page of the forms ; I provided it that day, and Ally Bank acknowledged I provided it that day. Again, Ally Bank promised to execute the transfer in " XXXX business days. '' I called again on XX/XX/XXXX and again confirmed Ally Bank had the forms they required ; again, I was told " XXXX business days. '' On XX/XX/XXXX, I again called to check status and the Ally rep ( XXXX ) at first claimed a form still was missing, then admitted that Ally had the form and no action had been taken. She said she was told to tell me that the matter would be " escalated '' and that it would be handled probably within " XXXX business days. '' Ally Bank has not acted expeditiously on a simple, straightforward request to transfer an XXXX XXXX XXXX. Each time I call them, I am given a profusion of faulty information as to why. I have no confidence that Ally Bank will act on this matter without CFPB involvement.
Consumer complaint received 2024-01-27
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Overcharged for a purchase or transfer you did make with the card
Company: Paypal Holdings, Inc (TX)

From XXXX XXXX XXXX I reserved a room at the XXXX in XXXX. The room was in a part of the property that was under construction, there was furniture and debris in front of the parking space, and I requested a different room but was told that they were at capacity and I was not able to move. I was not informed of any preauthorize amount, nor did I have to give a deposit. It was a smoking room, had not been thoroughly checked and cleaned before I arrived, and I was only provided with clean linens every other day. Since I had been on the road for almost 6 hours I took a shower and I turned in the towels used and the sheets, because I did not feel comfortable with the sheets that were already on the bed. It was then that I was informed that I had to wait until the day after I got there, I arrived on a Thursday night, and wasn't able to get a fresh set of linens until the Saturday. The motel manager confronted me about the linens, saying that they were ruined, due to a small amount of soil, Nothing else was ever said about it. 
So I had to use my own clothes after bathing and the bed had no sheets. That Sunday I started getting sick and I was not able to drive back home and my card was declined so my boyfriend paid for the night with his card. The Monday I was worse so I went to the emergency room. I would have to stay another night at least. I did not stay in the same motel, I chose to go to a cleaner, more quiet motel. 
In my way home the following Tuesday I got an alert that my account was locked and I had to pay {$610.00} to restore it. I called the card company immediately to find out why I was being charged such a high amount. I had tried to call the motel to speak to management and I was not able to get anyone to help me. I don't understand why the card company allowed my card to be charged {$610.00} for the sheets. My boyfriend was not charged, he used his card after I was checked out and they did not charge him anything. I have file a dispute twice, sent in all of my supporting documents, photos, and the charge is still on my account. I don't think the company should have allowed me to be charged if the money was not there, and since the allegations were untrue. I have never caused any damage to any other lodging providers in the past and at almost XXXX, my partying days are over. I was told the last time I tried to get it resolved I would need to provide new supporting evidence. What more can I provide that I have not already done? So I am now requesting assistance with this issue.
Consumer complaint received 2024-02-23
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NY)

American Express cards do not work online. It's the year 2024 and American Express produces and distributes gift cards that can not be used on the internet. Again : it is 2024. American Express produces gift cards that can not be used on the internet. This is a massive scam. Think about how much money American Express is collecting from those who end up not using the balance on their PREPAID cards. American Express declines online purchases with their gift cards so they can keep the money their victims are unable to spend. In the year 2024. Why haven't the lawyers jumped on this yet?
Consumer complaint received 2024-04-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

The company is shady because we tried to make a payment and because my husband asked for documentation as to why the payment was different they refused the payment altogether. XXXX. XXXX reached out to me she wanted me to come take her the payment when I was in the XXXX  .she said she banned my husband from the store and don't worry about the balance because it she would XXXX  it out .now all of a sudden 4 years later they claim I still owe them money and sent it to collections
Consumer complaint received 2024-01-07
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC (CA)

XX/XX/, I received an initial debt collection notice from Radius Global Solutions LLC. The notice stated i had until XX/XX/XXXX  to respond/dispute and once i dispute within 30 days, they will stop trying to collect the debt until they can show verification of the debt. 

XX/XX/, i replied to the notice about this alleged debt. Informing them, that i do not deal with debt collectors and request they cease and desist all communication and collection activity, in accordance with 15 USC 1692c ( c ). 

According to the United States Postal Service, mail delivery from XXXX, CA to XXXX, MN is 2.5 days up to 5 days. I was told my letter would arrive between XX/XX/XXXX - XX/XX/XXXX. Which is within the 30 day timeframe. 

After receiving my Cease and Desist request, this company continued to attempt to collect the alleged debt. They did not provide any documentation to verify that i owe this debt. Instead of submitting verification, i was mailed a settlement offer to resolve the account. 

As the consumer, I assert that Radius Global Solutions has violated my rights under the FCRA and are in violation of several FCRA status, as follows : VIOLATION 15 USC 1692c ( c ) VIOLATION 15 USC 1692b ( 2 ) VIOLATION 15 USC 1692b ( 5 ) VIOLATION 15 USC 1692c ( a ) VIOLATION 15 USC 1692d ( 2 ) VIOLATION 15 USC 1692g ( a ) ( 4 ) I wrote Radius Global Solutions another letter on XX/XX/XXXX, demanding they stop disregarding my rights and cease all communication as once. They have not provided any notice they will be ceasing all communication.
Consumer complaint received 2022-11-24
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: EPA USA INC (GA)

EPA USA INC has falsely claimed to respond to my Debt Validation request stating they contacted me in XXXX validating the debt. According to USC 1006.18 False, deceptive, or misleading representations or means EPA USA INC is prohibited by law from making such false and misleading claims regarding the collection of an alleged debt.

1. I hereby request EPA USA INC to provide proof they sent this correspondence and proof I received such correspondence.

2. I took it upon myself on XX/XX/2022 to contact EPA USA INC to inform them THIS IS NOT MY DEBT!!! I INFORMED THEM OF THIS ON A RECORDED LINE. I spoke to a representative by the name of XXXX XXXX and he subsequently sent a settlement letter after our discussion. I responded to his email to once again inform him this is not my debt. PLEASE SEE ATTACHED