davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-11
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Blackhawk Network Holdings Inc. (CA)

I received a rebate from XXXX for {$1000.00} in XX/XX/XXXX. 
The rebate came in the form of a prepaid Visa Debit card. I hadn't noticed that it expired in XX/XX/XXXX until I was going to use if for some specialized holiday gifts. 
I can't get find out the balance but it is still most of the {$1000.00}. 

The card was issued by XXXX and managed on a site called MyPrepaidCenter.com I can log into myprepaidcenter.com - but there is nothing there as the card has expired and there is no way to see my balance or ask for a new card ( their terms say balance is mine and just need to pay new card issuance but don't see anyway to do this ) I called the number on the back of the card XXXX but this has no option for expired cards and keeps referring to the website - so endless loop of no help I also tried another one of the card numbers on their website contact us page but it also gave an endless loop of marketing options but no way to get in touch with a person Appreciate any help you can get contacting them
Consumer complaint received 2024-02-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Credit Karma (WA)

The company Credit Karma which is I believed owned and operated under the company XXXX. They have my federal refund of {$1000.00} which was deposited on XX/XX/XXXX. 

Originally I filed my federal tax return XXXX via XXXX on XX/XX/XXXX and applied for a Refund Advance and was approved for {$1000.00}. Back on XX/XX/XXXX I was able to use and access my funds as my " Credit Karma Spend Account '' was open and active. I transferred all the funds to my cash app and withdrew all the funds. 

Sometime between XX/XX/XXXX and last week around XX/XX/XXXX I checked the IRS.gov website which showed that my federal refund was to be sent to my bank account by XX/XX/XXXX. So I logged into my Credit Karma Spend Account, only to discover my Spend Account was closed for no reason and I had no emails or communication regarding the closure. So I called and emailed Credit Karma and they said I could open a new account but it would never work and so I left it as closed. 

I then called the XXXX XXXX XXXX XXXX XXXX, XXXX which is the company that disperses my federal refund and initiates the transfer of funds from the IRS to whatever bank you designate and they collect the refund advance loan payment. They said that Credit Karma will reject my refund and then they XXXX XXXX XXXX XXXX would then issue my a check and priority mail it within 2-3 business days. 

I called XXXX XXXX XXXX XXXX today XX/XX/XXXX and they said they have not received any rejected funds for my refund and that Credit Karma must have my money. I login to my Credit Karma account and click on the Spend Account tab and sure enough it says available balance {$1000.00}.

This is fraud and it's my money Credit Karma has no right to withhold my money. I want all of my money within 2-3 business days or I want a penalty charged against them for XXXX the amount of {$1000.00}. I have rent and bills that are past due, I was relying on getting MY MONEY not XXXX 's Money ....
Consumer complaint received 2023-03-15
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. (NY)

In accordance with the fair credit Reporting act XXXX Account, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-01-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Outsource Group, Inc (OR)

I received a letter from Medicredi printed on XX/XX/XXXX indicating that I owed XXXX XXXX XXXX XXXX XXXX XXXXXXXX Oregon {$10.00} for a XX/XX/XXXX service date. The Mini Miranda was not on the letter I received from them. 

I spoke with XXXX at XXXX XXXX XXXX XXXX billing department on XX/XX/XXXX and she showed that this debt was paid. This was originally from a co pay I owed for services which totalled {$50.00}, but the hospital has a program where if you pay completely up front they give you a 20 % discount - making my total due {$40.00}, which I paid on XX/XX/XXXX and I owe them no money. I informed her that this collection agency was trying to collect this debt, she said she would escalate it to her Manager. 

I spoke with XXXX with Medicredi on XX/XX/XXXX and informed her about my conversation with XXXX and that this debt was disputed as paid. XXXX did not give me my mini miranda about being a debt collector and any information collected would be used to collect this debt until we started discussing it, after she took all my personal information from me and made me verify myself ( collecting data ). She also said that she would only NOTATE my account about this dispute and that collections would not stop. Their letter indicated that I could call or write to dispute the debt as long as it was done prior to XX/XX/XXXX.
Consumer complaint received 2020-01-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jon Barry and Associates, Inc. (AR)

XX/XX/XXXX I received a collection letter from XXXX XXXX XXXX, XXXX TN for {$100.00}. I responded that I disputed the collection attempt because I had never received an invoice from XXXX Hospital. They responded with " proof of debt '', {$99.00}, that had a name that matched mine but no address, phone, DOB. I took the documents to the XXXX XXXX of my family doctor to inquire if I actually owed them anything. They found in their system that I owed them {$2.00} which I did not need to pay. They gave me the phone number ( XXXX ) of XXXX lab and imaging billing which I called, they found me in their system and stated I had no outstanding balance. They transferred me to a separate billing dept. which stated the same. I sent XXXX a letter with this information and never received anything from them after. Then in XX/XX/XXXX, over a year later I received a collection letter from Paragon, XXXX NC, for the same disputed debt from XX/XX/XXXX. I responded to them, they responded by sending me " proof of debt '' for {$100.00} that had a name that matches mine, incorrect phone number, no address, no date of birth, etc, and they reported this as " bad debt '' to the credit reporting companies. As instructed by my attorney I am now reporting this to the CFPB.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

XXXX.2024, All they did was updated and did not remove from my credit ( see attached ) Original request to remove these items that are in Violation of Code US1692g Code 604 15 USC1681b and 15USC1681C-2 Repo : 15 USCode 1635, 15USC Collection companies that I have no business with neither gave my signature or permission to report any thing to my credit. Inquires that I have no knowledge of. repo reporting has an open account with a balance. Together XXXX reporting a huge balance on charged off account Those items are creating XXXX in my life
Consumer complaint received 2020-06-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (PA)

Ally Financial- I have been with Ally Financial For 4 years now, I have sent a late payment goodwill email, as well as several dispute letters explaining that I had fell into financial hardships and most recently was severally injured at work causing two of my fingers to be partially amputated, and due to the injuries I was subsequently terminated from my job, which has added on to making late payments on time. Due to the injuries and loss of employment I occurred 12 late payments, I managed to make all of my payments and even most recently paid the car loan off in full. Ally refuses to delete late payments and note my account paid in full never late. These late payments are hurting my credit and a chance to purchase a home in the future.
Consumer complaint received 2020-01-11
Product: Credit card or prepaid 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: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

XX/XX/XXXX USAA LETTER FRAUD CLAIM INVESTIGATION RESULTS. Claim # XXXX card end XXXX XXXX XXXX   date Purchased XX/XX/XXXX {$120.00} XXXX XXXX Credits {$120.00} Applied. XX/XX/XXXX No temporary credits ( the credit we deposited at the beginning of the investigation have been reversed ) XX/XX/XXXX USAA LETTER FRAUD CLAIM INVESTIGATION RESULTS Claim # XXXX card end XXXX XXXX Purchased on XX/XX/XXXX. XXXX Credits Applied XX/XX/XXXX {$210.00} ( the credits we deposited at the beginning of the investigation have been reversed ) XXXX Credits {$210.00} XXXX recieved XX/XX/XXXX BOTH paid By Merchants before statement closed XX/XX/XXXX They were returns & only on card few days USAA LETTER XX/XX/XXXX CREDIT CARD FRAUD CLAIM Claim date XX/XX/XXXX card end XXXX ( we previously issued temporary credits to your account in the amount if {$470.00} The temporary credits have been made permanet ) attatched is statement of XX/XX/XXXX I have called 24 times since these XX/XX/XXXX Letters Asking WHAT DATE DID THE USAA CREDITS APPLY? NONE WILL ANSWER There are No Temporary credits There are No Permanet credits Applied at the beginning of the investigation of XX/XX/XXXX, 23, Reps tell me I have to believe them I got the credits MY STATEMENT DOES NOT SHOW AND TWO LETTERS ARE NOT EVEN FRAUD ONLY ON CARD A FEW DAYS BEFORE MERCHANT CREDITED This totals {$810.00} worth of credits I NEVER RECIEVED. THEY ARE NOT ON MY STATEMENT
Consumer complaint received 2020-01-11
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NE)

XXXX has taken an account out of it's bankruptcy status and put it in a repossession status. This has been an ongoing issue with XXXX  and XXXX XXXX ( see previous complaint in which XXXX failed to respond to ). This is a clear violation of the FCRA and the bankruptcy protections. This account also updated previously that it was repossessed in XX/XX/XXXX. The account was closed in XX/XX/XXXX. I disputed the payment history because it was inaccurate and they remove it from the bankruptcy all together. Additionally it now lists the last payment was {$420.00} which is inaccurate and the date of delinquency is off.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

On XX/XX/2023 I sent a notice to Experian, XXXX, and XXXX about opting me out of the reporting of the following nonpublic information. The accounts goes as follows ; [ XXXX Account Number : XXXX ] [ XXXX XXXX Account Number : XXXX ]. I am submitting this complaint because I have not received a response nor has the accounts been removed from my reports.
Consumer complaint received 2020-01-11
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: Conn's, Inc. (TX)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have sent many letters with no response. Attached is the letter showing all of the accounts that need to be verified with the creditors. 
Please verify the account number, account type, account status, monthly payment, date opened, balance, high credit, credit limit, past due amount, payment status, last reported date, comments, date last active, and date of last payment. They appear to be incorrect.
Consumer complaint received 2022-12-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: KEYCORP (MI)

I opened a checking account with KeyBank on XX/XX/2022 using the {$200.00} welcome bonus offer. I completed all the requirements and should get my bonus within 90 days. But I haven't gotten the bonus yet. I called customer service and they told me I should get my bonus on XX/XX/2022. I called the customer service again on XX/XX/XXXX and submitted a Ticket. The customer service told me that it would be resolved within 10 days. But it has not been resolved yet.
Consumer complaint received 2020-01-11
Product: Payday loan, title loan, or personal loan — Pawn loan
Issue: Property was sold — 
Company: EZCORP, INC. (NV)

I went to the XXXX XXXX XXXX in XXXX XXXX, AZ on XXXX XXXX. I was not aware that they were owned by EZ Pawn. I went in and took out loans on some 4 rings and a flute. I was told that I would have 90 day loans on these. I specifically asked to take out loans and not sell that I wanted to come back to get them. When I went back to try to extend some of the loans, the manager became very rude to me and told me that she was going to " trespass '' me out of the store and that she did not know that they were " not supposed to do business with me '' after I had filed a complaint with the CFPB on EZ Pawn. Once again, I was not aware that they were owned by the same corporation. XXXX XXXX was the area manager for XXXX XXXX and XXXX XXXX XXXX XXXX, AZ shop. I was very upset about this. What is also upsetting is the fact that she tried to tell me that the loan was only for 30 days and not 90 days. Another employee told me that this was wrong and that the loans by AZ law are for 90 days. I went back to extend the platinum ring. I had the money with me and they told it was not worth much and did not take my money at that time. I have now lost every piece of jewelry with this store and my flute. This was worth thousands of dollars. I do not think it is fair to let someone take out loans, mislead them on the terms and conditions of to the loans, obtain the property, and then accuse the person of trespassing and try to accuse them of committing a crime of trespassing when they try to pick up their items. This could be considered " theft by deception '' on the part of the pawn shop.
Consumer complaint received 2020-01-11
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Receivables Performance Management, LLC (MI)

The company is passed validation period of 30 days to validate debt. Consumer reserves the right to dispute any portion of the debt by law of the Fair Debt Collections Practice Act and Fair Credit Reporting Act. The company is trying to collect the debt and the debt is also being reported as a medical debt in violation of the Health Insurance Portability and Accountability Act ( HIPPA ) and reporting late payments to credit bureaus where no way have I agreed are acknowledged the debt is mine. I have disputed this debt several times and demand an original signed ( wet ink ) ( HIPPA ) agreement with the original terms who the doctor was, what services performed, time of allege service dates, what the diagnosis if any was and stating that I gave them permission to report this debt to the credit bureaus in violation of my privacy rights and how long the ( HIPPA ) agreement if any stays if effect. I do not remember this debt are agreeing to an open account yet alone having the account with the original creditor and do not remember are acknowledging going into any contractual account with either the original creditor are the debt collector. By law it is the burden of the Collector to show I legally owe the debt and I demand proof that the ( HIPPA ) agreement if any allows them to collect and this complaint is my dispute and Validation notice to the debt collector to provide that proof within 30 days of receiving this dispute and if it can not remove from my credit reports and all attempts to collect the debt must stop. I also have letters attached from my attempts to have this debt verified and my verification letter dated XX/XX/2020.
Consumer complaint received 2023-02-13
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. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
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 2020-06-09
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MD)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Consumer complaint received 2023-05-15
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2020-01-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank of America has been holding my mortgage payments until they can incur late fees. I filed a complaint with you last month. This month I received a letter from Bank of America saying I was late 33 days. Bank of America received my XXXX mortgage on XXXX XXXX I mailed the payment certified as I always do. The certified number is # XXXX. The Bank cleared my check on XXXX XXXX. 
Bank of America has not applied my XXXX Mortgage Payment to my Mortgage instead they sent me a " foreclosure letter ''.
Consumer complaint received 2020-01-11
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: IQOR US INC (MI)

The company is passed validation period of 30 days to validate debt. Consumer reserves the right to dispute any portion of the debt by law of the Fair Debt Collections Practice Act and Fair Credit Reporting Act. The company is trying to collect the debt and the debt is also being reported as a charge off and reporting late payments to credit bureaus where no way have I agreed are acknowledged the debt is mine. I have disputed this debt several times and demand an original signed ( wet ink ) contract with the original terms and interests proof of validation. I do not remember this debt are agreeing to an open account yet alone having the account with the original creditor and do not remember are acknowledging going into any contractual account with either the original creditor are the debt collector. By law it is the burden of the Collector to show I legally owe the debt and I demand proof by way of contract and this complaint is my dispute and Validation notice to the debt collector to provide that proof within 30 days of receiving this dispute and if it can not provide the original contact it must be removed from my credit reports and all attempts to collect the debt must stop. I also have letters attached from my attempts to have this debt verified and my verification letter dated XX/XX/2020.
Consumer complaint received 2020-01-11
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (MI)

The company is passed validation period of 30 days to validate two debts. Consumer reserves the right to dispute any portion of the debt by law of the Fair Debt Collections Practice Act and Fair Credit Reporting Act. The company is reporting the debt and reporting late payments to credit bureaus where no way have I agreed are acknowledged the debts are mine. I have disputed these debts several times and demand an original signed ( wet ink ) contract with the original terms and interests proof of validation. I do not remember these debts are agreeing to an open account yet alone having the account with the original creditor and do not remember are acknowledging going into any contractual account with either the original creditors are the debt collector. By law it is the burden of the Collector to show I legally owe the debts and I demand proof by way of contract and this complaint is my dispute and Validation notice to the debt collector to provide that proof within 30 days of receiving this dispute and if it can not provide the original contact it must be removed from my credit reports and all attempts to collect the debts must stop. I also have letters attached from my attempts to have this debt verified and my verification letter dated XX/XX/2020.