davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-14
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: Incomm Holdings Inc. (FL)

I Bought a Vanilla Visa ( XXXX XXXX XXXX  ) Gift card for XXXX $ from XXXX. Upon opening the card i found that it was missing last 4 digits. I also could not activate it or use it in store. 

I first went back to XXXX but they said all sales of gift cards are final. 

I then reached out to Vanilla Visa and raised a complaint. 

They asked me to send all the info - receipt, card photos to XXXX. 

I did that. 

They gave me a complaint number - XXXX However, after that it has been radio silence. Everytime i call, i am put on a long hold and they keep saying it will take 30 days for a resolution. 

Now i am out XXXX $ and wait for XXXX $ to be back until they determine the issue that they caused.
Consumer complaint received 2023-08-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: GVA Holdings, LLC (CA)

I'VE CALLED SERVAL TIME AND ONLY THE AUTOMATED COMES ON AND I GIVE ALL MY INFO AND IT SAYING THAT IT DOSNT RECOGNIZES ME... I WANT PAY IT OFF BECAUSE ITS A TRIBAL LOAN AND THE INTEREST IS CRAZY AND IT WAS A MISTAKE EVERY SAY THEY ADD MONEY TO MY LOAN AND I CANT GET HOLD OF THEM.. I NEED TO GET OUT OF THIS LOAN
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I just noticed XXXX XXXX XXXX XXXX on my credit report. I never opened ANY of these cards. I have filed an FTC report with them on it. Still no action. Why is XXXX putting it on my credit report??? I also told the credit bureaus to remove as it's not mine. They won't follow the law. I've sent them a FTC report. Those accounts that aren't mine are still there. I have NEVER had a contract with XXXX ever. 
Partial account XXXX XXXX from my credit report XXXX XXXX
Consumer complaint received 2023-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

My purse was stolen a few years back and I have been battling to get fraudulent accounts removed from my consumer reports. I filed a police report, I filed with the FTC and I contacted the companies involved and sent info to them but these accounts are still showing on my reports. I need them blocked!!
Consumer complaint received 2023-02-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX  Account number XXXX Date : XXXX, XXXX Amount : {$22000.00}, Account number XXXX Date : XXXX XXXX,XXXX Amount : {$3000.00}, Account number XXXX Date : XX/XX/XXXX XXXX Amount : {$2400.00}, Account number : XXXX Date : XXXX Amount {$2100.00}, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Consumer complaint received 2023-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

During the month of XX/XX/2023 the credit assessed a membership fee for {$39.00} and I did not receive any statements or notifications and as a result of not having a balance on the account I was not aware and as a result the creditor reported to the credit bureaus a 30-day late without my permission or consent and did not consider my privacy.
Consumer complaint received 2023-02-19
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. (PA)

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 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 2023-02-18
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. (NY)

I got an inquiry from an unknown company that showed up on my credit report. Also saw an account from US DEPT OF ED account # XXXX which showed up on my credit report that I never seen before and never gave them any written permission to report anything on my credit report. I need these deleted asap. 

Also they have multiple addresses and my name are not accurate on my credit report. I need them to delete any names in their system that vary from my name and delete any address in their system that does not match mine.
Consumer complaint received 2023-08-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Computer Credit, Inc. (GA)

l XXXX XXXX received a debt collection notice from Computer Credit Inc, stating they are a debt collector agency and is trying to collect a debt that I, the consumer owe to XXXX XXXX XXXX XXXX. I have no knowledge of such debt. Computer Credit Inc, has clearly violated several of my federally protected consumer rights by mailing out this deceptive letter. This company has violated my right to privacy pursuant to 15 USC 1692 ( a ). I received notice that I owed an alleged debt proven in Exhibit ( A ) which is a violation of 15 USC 1692b ( 2 ). I demand for this company to CEASE AND DESIST. According to 15USC 1692a ( 2 ) the term Communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. As per the literal interpretation Any medium includes any oral, written, electronic, or other, medium. Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you with formal notice to cease any further communications regarding this account immediately. This includes but not limited to telephone calls, email, social media, or any Consumer Reporting Agency. I am invoking specified remedy and DEMAND the following. 1. ZERO OUT THE BALANCE OF THIS ACCOUNT 2.PROVIDE MY NAME, A CONSUMER AND NATURAL PERSON, WITH DOCUMENTATION SHOWING THE ACCOUNT WAS ZEROED OUT VIA MAIL, 3. CEASE AND DESIST REPORTING OF THE DEBT COLLECTION ACTIVITY TO ALL CONSUMER REPORTING AGENCIES BEFORE AND AFTER THIS DATE OF XX/XX/2023 and 4. REMOVE ANY AND ALL REPORTING OF THE DEBT COLLECTION ACTIVITY FROM ALL CONSUMER REPORTING AGENCIES
Consumer complaint received 2021-12-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MI)

I have contacted Mr. Cooper at least twice a week and have not received any responses in a timely fashion. I have asked them repeatedly to include my XXXX XXXX deferrement payment to the back of the mortgage which THEY clearly told me prior to the Covid 19 pandemic that i have many options avaialable and not to worry about a lump sum payment. I do know that i have a Conventional mortgage and per the guidlines with XXXX XXXX and XXXX XXXX i am allowed as a consumer to have options other than a LUMP SUM payment. Mr. Cooper does not respond in a timely fashion, and every time i call them to speak with a representative they tell me NOT TO make a payment, and not to worry about paying the differnece owed due to the forebearnce period. They keep sending me notices saying i owe {$10000.00} and keep calling me on XXXX which i work and i have told to call me Monday-Friday anytime. I would like to pay my normal payments asap, I WANT TO keep my home, and i am NOT able to pay {$10000.00} to bring my account current since MR. Cooper is the servicer who reached out to me and encouraged me to enroll in the Forebearance COVID 19 program. Please help me! They are not responsive and are giving FALSE information to clients and i need help asap.
Consumer complaint received 2023-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On or about XX/XX/XXXX, we were notified by a potential landlord, from whom we were hoping to rent a home, that there was an eviction on my record. The eviction belonged to another person, not me. The landlord uses TransUnion and was doing a background check/credit history on me and questioned us as to this eviction. TransUnion reported this stranger 's name and apartment number at XXXX  XXXX XXXX XXXX XXXX XXXX ) and referenced a court judgement/eviction on MY RECORD, which caused the landlord, rightly so, to question us as to our honesty about never having been evicted. TransUnion refused to accept responsibility and stood by their data even though the name belonged to someone else who had the same first name and middle initial as mine, and the wrong apartment number. I have never been evicted. They also had another apartment complex on my record, which I never lived in, and an incorrect phone number. I spent days trying to contact and get records to prove them wrong. Finally I was able, after 3 days, to get the necessary information sent to me from the apartment complex who did evict this other person, so that I could forward the correct information to our potential landlord. We could have lost this house because of TransUnion 's error. Also, the person 's court/judgement information who was actually evicted was shared with the landlord, violating his privacy. I was able to get TransUnion to correct my credit report but it was very difficult to do so, and put us in a position to potentially lose this home rental. TransUnion made me jump through hoops to prove that they were wrong even though they referenced an incorrect sur name and an incorrect apartment number. They spoke legalese as to why they were standing by their WRONG data. We had to provide a copy of my security deposit being returned to me as proof that I was not evicted and an email from that complex that I was never evicted. I had to provide paperwork proving when I lived there as well as some other documents. This was truly a nightmare to deal with and TransUnion needs to fix their algorithms so that this never happens to anyone again.
Consumer complaint received 2023-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

In accordings What the fair credit reporting act The list below of accounts has violated federally protection consumer rights to privacy and confidentiality under 15 USC 1681 Account name : XXXX XXXX BANK Account XXXX Account name : XXXX XXXX XXXX Account XXXX Account name : XXXX XXXX Account XXXX XXXX USC 1681 section 602 A states I have the roughy to privacy.15 U.S.C 1681 section 604 section 2 : It also states a customer reporting Agency can not be furnished a Account without my written instruction 15 USC 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer containing any of the following item of information any other adverse items of information other than record by conviction of crimes which antecedents the reporting by more than seven years.

15 USC 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 in information is inaccurate.
Consumer complaint received 2023-08-14
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (CA)

XXXX didnt pay full interest amount of stated APR XXXX 3.5 % for 3 months for XXXX money market account. Also only paid 89 days of interest, lacking 1 day of interest payment. About {$57.00} lacking XXXX XXXX to XX/XX/XXXX. About {$14.00} lacking XXXX more day of interest owed for XX/XX/XXXX for ninetieth day of term. Reported to bank this discrepancy 3 times by phone in XXXX, XXXX and XXXX. No response received. XXXX opened XX/XX/2023. Funds transferred to new CD account XX/XX/XXXX. Balance of {$1.00} kept in XXXX money market account until closed XX/XX/XXXX, XXXX owes about {$71.00} it underpaid in interest.
Consumer complaint received 2023-08-14
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: Paypal Holdings, Inc (AL)

Pay Pal XXXX XXXX to an unknown recipient that you cant contact. My phone was hacked by a scam email, when trying to obtain a refund from XXXX. They were able obtained my ip address and access to all my accounts. 
XXXX XXXX. on XX/XX/2023. 
And XXXX to an XXXX XXXX transaction ID XXXX.
Consumer complaint received 2016-08-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (FL)

please i am leaving this message because i was with greentree then they sold to ditech they stated they would honor the mortgage modificationn at the end of 2014 now the company says i owe them XXXX dollars for escrow they are charging and adding to my mortgage i have been paying mortgage for 20 years This has never happened i paid the amount that i always pay
Consumer complaint received 2023-08-14
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRUIST FINANCIAL CORPORATION (GA)

I continue to receive emails from Truist Bank who I have never had an account with. When the recovery dept finally took my call they advised I had a written off debt from XXXX that was opened and closed the same day. They then confirmed all my current contact information. Address, phone, and email and advised it was updated to XXXX XXXX in XXXX. I questioned why they have still been collecting personal data on me 16 years later and she could not explain or tell me what the account originally was.
Consumer complaint received 2024-04-22
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Andreu, Palma & Andreu, PL (NJ)

Very siimple ; Law firm/Collection agency : Andreu, Palma, Lavin & Solis , XXXX XXXX , Florida is a assembly line collection agency who I made an agreement with to pay {$75.00} a month until the balance was paid. Now they garnished my wages because apparently each month isnt coming fast enough for them. The debt represents interest supposedly 'owed " The principle was paid several years ago. They have asked the court for payment on a number which doesn't even take into account the {$450.00} already paid towards the debt. The court has been notified of my position and supplied with documentation to see the trickery engaged by this Florida firm.
Consumer complaint received 2022-12-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Georgia Student Finance Authority (AL)

Georgia student finance lists on my credit score as an account in bad standing or " negative pay status. '' However, I have never taken a student loan. I have either had a scholarship, or I've paid out of pocket. This is negatively affecting my credit score, and it doesn't even show as having a balance due or any balance ever being on there, so it is negatively affecting my credit score with a balance of zero. I've worked hard to being up my score in the last couple of years, and this is just ridiculous... especially since I worked so hard to make sure I never had to take out a loan.
Consumer complaint received 2023-02-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2023-08-14
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I was issued a new credit card by Bank of America. According to e-mail correspondence from BofA, this card was mailed on XX/XX/2023. To my knowledge, I never received this card. 

On XX/XX/XXXX and XXXX, XXXX transactions were charged to my card ( for {$870.00} and XXXX, respectively ) that I did not make. These transactions were flagged by Bank of America as suspicious ; I received alerts from BofA via their mobile app, and promptly called their fraud hotline to report the transactions. 

BofA issued a temporary credit to my account for the fraudulent purchases and promised to investigate the claim. I put the matter aside, confident that the things would be resolved in my favor : I did not make these purchases, I have been a BofA customer for over 25 years, and have not made a single fraud claim during that time. 

On XX/XX/XXXX, I received a decision from BofA, stating that they would not credit my account for the fraudulent purchases. After piecing together the sequence of events, it is my belief that the card in question was intercepted en route to me and was used fraudulently. 

I am disappointed that what appeared to be a relatively straightforward case of credit card fraud was not resolved in my favor and that I now have to appeal the decision, which is stressful and time-consuming. If this matter is not resolved promptly to my satisfaction, I will no longer bank with BofA.
Consumer complaint received 2023-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I have taken every necessary step to ensure that the credit bureau ( XXXX, XXXX, Equifax ) updates my personal information, yet they have not done so. Not only have I asked them multiple times, I have also followed up with them and provided them with the relevant information. Despite this, they have still failed to make the changes. It is deeply concerning that they have neglected to comply with the FCRA.
Consumer complaint received 2023-08-12
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (GA)

My identity has been used to open a credit card with Victorias Secret ( Comenity Bank ) for the third time now. I have disputed this two times in the past. This most recent time, I did not catch the alert soon enough ( XXXX XXXX XXXX XXXX XXXX and opened a business in the last two months ). Now my credit score has dropped XXXX points from past due balances. The fact that the bank has allowed the use of my identity THREE times is absurd. I have never and will never hold a card with this company. Also, I have had my credit frozen for the past year except for a few choice days. I am not sure how they were even able to process the credit check. 

Most recently : Account opened XX/XX/2023 Amounts owed : {$95.00}
Consumer complaint received 2017-06-07
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. (SC)

I have been trying to get the inquiry 's off I have been calling and sending letters and still no answer I would like them to be removed because I did n't apply or inquiry about any of them