davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-23
Product: Credit card or 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. (TX)

To Whom It May Concern : I am writing to complaint XXXX XXXX XXXX XXXX XXXX. 

I bought this card on XX/XX/2023 at XXXX XXXX, in XXXX at XXXX XXXX XXXX with a value of XXXX dollars. I kept this card with me, and I never left XXXX. I tried to use this card on XX/XX/2023, and the transaction was declined. I called the Vanilla customer support number at XXXX and set up a dispute case number of XXXX. 

I found out that this was used twice on XX/XX/2023 out of XXXX. The first time was in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX with a transaction amount of {$350.00} and the second time was in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX with a transaction amount of {$150.00}. Therefore, I lost all my gift card value within XXXX hours from out of the state transactions even I kept card with me and never travelled out of XXXX 

It is understandable criminals can easily steal such information nowadays. However, this is impossible to understand how Vanilla handles and solves this problem. I called many times and every time I was put on hold for more than XXXX XXXX before someone answered phone. They always told me that they will contact me within XXXX to XXXX hours or XXXX XXXX In facts, they never contacted me despite my phone calls and emails. 

I simply want them to send me a new card with the same value that I paid but it seems they are using a delaying method to keep their mistakes. 

Thank you for your help!
Consumer complaint received 2023-01-03
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: EQUIFAX, INC. (NY)

Account was reported correct at XXXX point that i received information that changed payment to late truck was traded in XX/XX/2022 and XXXX late payments after trade in and pay off
Consumer complaint received 2020-02-08
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: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$750.00}, {$300.00}, {$1000.00}, {$700.00}, {$1100.00}, {$510.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$750.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$300.00} -This is not my account. 

3. XXXX XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1000.00} -This is not my account. 

4. XXXX  XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$700.00} -This is not my account. 

5. XXXX  XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1100.00} -This is not my account. 


-- COLLECTION ACCOUNT 6. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$510.00} -This is not my account.
Consumer complaint received 2023-08-15
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd (TX)

This complaint is regarding my WISE account. Wise is an international transfer app. 

My complaint is that WISE will not let me contact them to verify if I have funds in my account. 

Context : I was XXXX and robbed, and during the event my phone was compromised and my assailant transferred money on my WISE app. I became aware of this because there was a charge on my credit card. My credit card reported the fraud and got the transaction reversed. 

Wise then terminated my account. But I believe I had funds in my account. 

When I try to log into WISE, I can't, because my account was terminated. When I try to appeal on their website, I can't, I am told the decision is final. When I try to contact them ( following their directions ), I am consistently brought to their login page to log in first ( but, I can't login because my account was terminated ). 

I believe WISE has my funds and is not giving me the option to return them.
Consumer complaint received 2017-05-08
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have NEVER been past 30 days late on  my Kohls  credit card and all  XXXX  agencies are reporting a late payment, this is wrong
Consumer complaint received 2023-08-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2023 I called Chase Bank XXXX department to report unauthorized transactions taking place with my checking/savings account and Chase debit card. Someone in the state of Florida ( I live in California ) was able to transfer {$5900.00} from my savings account to my checking account and then proceeded to order a new debit card, change my home address, email address and cell phone number. They later used my debit card ( not the new card ) which I had in my possession to make over $ XXXX in XXXX XXXX transactions and $ XXXX in ATM withdrawals. This person would go to different XXXX 's in the state and make a small purchase of under {$20.00} for each transaction and would request {$100.00} cash back each time they made a purchase. They did this about XXXX or more times throughout XXXX different XXXX 's in the state of Florida. They were able to use my debit card and my PIN number. 

On XX/XX/2023 Chase bank denied my claim reporting they found the transactions were processed according to the information I provided or was authorized. I later called the bank and was told to contact XXXX in the state of Florida myself were the transactions took place and to file a police report. On XX/XX/2023 I resubmitted a claim to reopen the denied fraud claim which was denied again on XX/XX/2023 ; reason being transactions were all authorized! They did however on XX/XX/2023 agree the ATM withdrawals were incorrect and I was refunded {$730.00}.
Consumer complaint received 2023-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (GA)

I was pressured into applying for a loan amount I did not need! I asked for {$15000.00} and the agent applied for {$45000.00}. I feel I was not approved because of false and misleading information on my report and the amount, that I did not want!
Consumer complaint received 2023-07-10
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: EQUIFAX, INC. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-01-03
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HUNTINGTON NATIONAL BANK, THE (TN)

I have not paid off the loan, thats just the best option for my scenario. I have been trying for 2 months to register my car. I bought it in XXXX  ( as I am a XXXX XXXX on assignment ). I live in XXXX  so I needed to register it in XXXX. The bank has been telling me for two months that they will send the title and they have not. I got a 30 day extension for temporary tags from XXXX, but unfortunately the bank has still not sent it. XXXX on XXXX I was given a XXXX  number stating that it would arrive XXXX. They never sent it. Since then Ive planned a whole other trip back to XXXX  with promises that the title will arrive while Im here ( put me out time and money ). XXXX  I called to verify that it had been sent and they said no, that it never got signed and taken care of like I was promised. Then I call back today to make sure its been sent and they say they have to find the title again. Its put me out two times now. And I now will have to drive back with my car not registered. Not sure what Im going to do at this point. They dont follow through when they say they will email me paperwork. They dont follow through when they say they will call me back. Ive been in tears multiple times on the phone because of how many times they have XXXX  me over.
Consumer complaint received 2023-02-14
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. (GA)

I sent a letter last XX/XX/XXXX2023 to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after XXXX XXXX, 2023. Ive already included this in my previous Complaint & I am including it again.,XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXXXXXX XXXX  XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$2500.00} XXXX ( Original Creditor XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX {$680.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX {$1600.00} ( Original Creditor : ) XXXX Balance : {$120.00} ( Original Creditor : ) XXXX Balance : {$77.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-01-03
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: Velocity Portfolio Group (PA)

I have a fraudulent account on my 3 credit bureaus from upstart : velocity investments. I tried contacting the company requesting signed documentation for a loan thats in my name. I submitted police reports, ftc reports, but info is till on my report. I tried contacting all party with negative results.. 

XXXX  account # XXXX
Consumer complaint received 2023-07-10
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: EQUIFAX, INC. (TX)

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 2017-09-09
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. (FL)

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 
Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.
Consumer complaint received 2024-06-15
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Johnson Mark LLC (AZ)

Over XXXX XXXX XXXX there have been repeated incidents of an unknown individual banging on my door while I was not at home. Each time, my son, who is under XXXX XXXX XXXX, was home alone and became very nervous and scared due to the persistent behavior of this individual. 

- **First Incident** : ( XXXX XXXX ) The man knocked on the door when my son was alone. My son did not open the door as he is instructed not to. The man refused to leave when my son asked for his identity and purpose. The man insisted on speaking with me and demanded that someone open the door, stating he would not leave until then. 

- **Repeated Visits** : This scenario repeated multiple times. Despite my son informing the man that he is under XXXX and can not open the door, the man insisted he sounded older and continued to refuse to leave. 

- **Final Incident** : ( XXXX XXXX ) On the most recent occasion, my son called me again, very nervous and upset by the man 's refusal to leave and persistent banging on the door. I instructed my son to answer the door. I then spoke to the man over the phone, informing him that I was not home and would be back later. The man claimed he had the authority to serve a minor and insisted my son appeared older than XXXX. Despite being told my son is only XXXX XXXX XXXX, the man handed him paperwork and left. 

I reached out to the debt collector law firm to discuss recent events and seek clarification on several points. During our conversation, they informed me that, in the state of Arizona, it is legal for a minor to be served with legal documents. 

I also requested debt verification and confirmation of the service. They assured me that they would email the necessary information. However, I did not receive any follow-up communication or documentation as promised. 

On XX/XX/XXXX, I received a letter from the law firm stating that I have 10 days to resolve the matter. This was the first contact since our initial conversation, and I am concerned about the lack of prior communication and the short notice provided in the letter. 

This behavior has caused significant distress to my son and raises serious concerns about the methods employed by the individual. Immediate attention and action are requested to address this matter appropriately.
Consumer complaint received 2023-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Atlanticus Services Corporation (TX)

Aspire Visa did not offer arbitration per our contract on disputed amounts and charges. They sold the debt to XXXX XXXX XXXX without resolving dispute.They are both reporting negative information on my credit bureaus in error making a double negative impact on my credit score.
Consumer complaint received 2017-04-07
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I was ( rightly ) charged a late fee for a payment. The following month I made my normal monthly payment on time, howrver Capitol One charged me an additional late fee because I did n't pay the first late fee. So they 're charging me a late fee- on a late fee. 
When I called, I was told by the representative that the late fee is rolled into the loan balance- which in my understanding is illegal
Consumer complaint received 2023-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I've submitted numerous complaints about TransUnion reporting a bankruptcy on my credit report. On their website, they state that they verify the information thru XXXX XXXX. I obtain a copy of my credit report from XXXX XXXX and there isn't any such information. Im writing the CFPB so that they will intervene because no proof have been provided. Transunion sends out a written statement stating that the info has been verified without any written proof. PLEASE provide the necessary proof so that I can investigate the company that is providing inaccurate information. On XX/XX/XXXX, the CFPB sent me a letter indicating that I'm paying for credit repair services. I AM NOT. Everyday, I research information on how to dispute inaccurate info. I would like for Transunion to be honest and stop reporting inaccurate info.
Consumer complaint received 2021-03-12
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: Synovus Bank (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX ... XXXX  XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2020-06-13
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (AZ)

I have tried my best to avoid for foreclosure did several attempts to work with CARRINGTON MORTGAGE SERVICES I did several modification to see if can get any help with avoid getting foreclosure on my home but keep getting denied every time they never had reason why it was denied.I just receive a letter in the mail from CARRINGTON saying your denied at this time.I called CARRINGTON several times to work something out with them letting know if please do a repayment plans got denied or do forbearance agreement got denied CARRINGTON was just interested in full payment what I owe.
Consumer complaint received 2023-08-21
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Account # XXXX Ive sent Kohls/ CAP One a letter on XX/XX/2023 via certified mail and it was returned ( Insufficient Address ) ( XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX. Please see supporting documents enclosed. 
My repeated attempts in order to have this deleted off my credit report have been wasted. I was forced to send this letter certified in order to prove that Kohls/CAP One is being deceptive by 1 : By putting the wrong address on my credit report in order to prevent me from disputing it via mail that displays KOHLS/CAP ONE using deceptive practices. They only want to call me on the phone. Ive advised that all communications will have to be by mail. I have yet to receive any communications. Ive pulled my credit report in an attempt to get their address in order to have this debt removed from my credit report and everything has been sent back. Please see the attachments Ive attach to prove that.
Consumer complaint received 2023-02-11
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: Experian Information Solutions Inc. (NV)

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. 

XXXX - Acct # XXXX US Department of Education - Acct # XXXXXXXX XXXX  - Acct # XXXXXXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX - Acct # XXXX XXXX XXXX XXXX - Acct # XXXXXXXX XXXX XXXX XXXX - Acct # XXXXXXXX XXXX XXXX XXXX - Acct # XXXXXXXX XXXX XXXXXXXX XXXX - Acct # XXXXXXXX XXXX XXXX XXXX - Acct # XXXXXXXX XXXX XXXXXXXX XXXX - Acct # XXXX XXXX XXXX  - Acct # XXXX and XXXX XXXX XXXX Acct # XXXX, have violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX 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 an 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 2023-07-10
Product: Credit reporting, credit repair services, 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. (VA)

My name is 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 2023-07-10
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. (SC)

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719 I presume that no proof of the alleged debt, nor therefore any such debt, in fact exist the following accounts XXXX XXXX XXXX Account number # XXXX XXXX XXXX  XXXX Account XXXX XXXX