davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-12
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with a check written from your prepaid card account
Company: Neon Newco Corporation (TX)

Good day, I bought a netspend prepaid card from XXXX, worth {$200.00}, on XX/XX/XXXX, prior to buying the card I made sure it was passport user friendly, once I loaded the card it demanded for a social security number, I decided to contact netspend for assistance. They asked for my documents such as Id billing address and I sent it out to them. A few days later I realised they couldnt help me and therefore I requested a refund, that was said to be processed on the XXXX of XX/XX/XXXX XXXX, XXXX, ( customer specialist ), XXXX, XXXX and many more have not assisted yet send the same email back to me telling me the cheque was sent out and it would take 10 working days. They refer me to the automated machine which will not allow to speak to a customer representative, when i email and tell them it does not work. Once I emailed them telling them I will report this to consumer finance, they responded ( XXXX in particular responded ) by email saying the cheque was sent back on the XXXX of XXXX which is today. I have not received anything from them, and therefore I do not understand why they would say I returned the cheque when I have been waiting it for the past month. Clearly something is not right, and they do not seem to want to send my money back. Please assist me with this issue.
Consumer complaint received 2022-07-23
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)

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # 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.
Consumer complaint received 2022-07-23
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX  Account 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 instruction
Consumer complaint received 2022-07-23
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. (LA)

There are some hard inquiries on my credit report that I did NOT authorize. I am in distress with these fraudulent items on my report. Please have these unauthorized Inquiries removed from my credit report. Inquiries are listed below : XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Please remove these from my credit report.
Consumer complaint received 2022-01-19
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: TRUIST FINANCIAL CORPORATION (MD)

I completed a refinance of my mortgage on XX/XX/2021. I also had a personal line of credit with SunTrust. I did not want the LOC to be closed. I wanted to balance that I owed on the LOC to be paid off and included in the mortgage refinance. I did not complete the LOC affidavit at the closing for the mortgage refinance to close the LOC but SunTrust closed the LOC. I believe that it was fraudulent on the part of SunTrust to close the LOC when I told the title company representative at the closing that I did not want the LOC to be closed and I was told that I did not have to sign the LOC affidavit. This statement by the title company representative led me to believe that the LOC would not be closed. I would not have gone through with the closing if I knew that the LOC would be closed.
Consumer complaint received 2022-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MIDFIRST BANK (SC)

MidFirst / Midland Mortgage violated federal laws regarding the CARES ACT Forbearance and VA Partial Claim in that they charged unlawful late fees and other erroneous fees to my federally backed VA mortgage before and after the VA Partial Claim - even though my mortgage was never late, and then MidFirst / Midland Mortgage reported on my credit reports for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX that my mortgage was late, delinquent, and past due between 120-149 days as of XX/XX/XXXX ( which is fraud and lying as I was current on my mortgage when I received the CARES ACT Forbearance in XX/XX/XXXX and through XX/XX/XXXX ). MidFirst / Midland Mortgage then issued a threatening letter in XX/XX/XXXX - after receiving the VA Partial Claim payment in XX/XX/XXXX that if I didn't pay late fees and other erroneous fees by XXXX XX/XX/XXXX then they would call the entire loan balance due and begin foreclosure proceedings. We disputed these late fee and erroneous fee amounts and stated this was in violation of federal law, but we paid the fees with the request that the fees be refunded. MidFirst / Midland Mortgage continues to assess late fees and erroneous fees during the time in which the mortgage was protected by the CARES ACT Forbearance - thus continuing to violate federal laws with regards to the CARES ACT Forbearance, VA Partial Claim agreement, TILA, FCRA, RESPA, FDCPA, while engaging in Fraud, Lying, Extortion, Racketeering, and Conspiracy to Commit. MidFirst / Midland Mortgage illegal actions and violations of the law caused me harm as my credit report suffered by losses at and over 100 points in XXXX, XXXX, and XX/XX/XXXX. My VA mortgage account number with MidFirst / Midland Mortgage is XXXX. MidFirst is the parent company of Midland Mortgage and their contact number is XXXX. U.S. Government Official - VA Official XXXX XXXX has evidence to support and substantiate this claim and his contact information is ( XXXX ) and his telephone number is XXXX option XXXX, then option XXXX - extension XXXX. This information regarding violations of federal law and criminal activity by MidFirst / Midland Mortgage was reported to the FBI as of XXXX XX/XX/XXXX, as they are engaged in a conspiracy with XXXX XXXX XXXX XXXX, XXXX ( the former mortgage company between XX/XX/XXXX - XX/XX/XXXX ). The victim, a 100 % XXXX Combat Veteran can be contacted by telephone at XXXX or by email at XXXX or by mail at XXXX XXXX XXXX, XXXX, SC XXXX. ///NOTHING FURTHER TO REPORT///
Consumer complaint received 2018-05-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (VA)

XX/XX/2014 I MOVED TO XXXX, XXXX AND RENTED AN APARTMENT FROM XXXX XXXX ( XXXX XXXX ), I TRANSFERRED ONE OF THEIR SISTER PROPERTIES THAT IS LOCATED IN XXXX, XXXX XXXX XXXX XXXX. I WAS TOLD THAT I COULD TRANSFER THE REMAINDER OF MY LEASE. I TRANSFERRED TO XXXX XXXX IN XX/XX/2014, I WAS RELOCATED BECAUSE OF MY JOB WHICH I GAVE PROPER NOTICE TO XXXX XXXX AND CALLED TO VERIFY RECEIPT OF NOTICE TO VACATE PREMISES IN 60 DAYS. I WAS CHARGED FOR ITEMS THAT WERE NOT FIXED IN THE APARTMENT AND FOR A WATER LEAK THAT THE APARTMENT WAS AWARE AS I NOTIFIED THE OFFICE MANAGER AFTER THE WATER BURNED MY SON. ONE YEAR LATER LIVING IN XXXX, XXXX I RECEIVED A BILL THAT I WAS CHARGED OVER {$2000.00} FOR FEES, ETC.
Consumer complaint received 2024-05-10
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital one quick silver card. ProMotion spend XXXX in XXXX months get extra XXXX bonus. I called the XXXX number and told it does not exist on my offer. Per 41 usc code 1431 asking for ssi number is illegal because we have no lawful money. And they refused me for another credit card. There are codes that state they have to give me a credit card. These are your statues and codes not mine. With me you will follow every code guaranteed.
Consumer complaint received 2020-07-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (LA)

In XX/XX/XXXX I was made aware of a collection notice for a company called IC Solutions. This company stated that I owed a bill of {$210.00} to XXXX from XXXX and XX/XX/XXXX. I called XXXX ( XX/XX/XXXX ), and I was transferred to young man named XXXX who found my account, could see where I turned in my equipment on XX/XX/XXXX ( I have this receipt ) at the local branch. He stated that he could see my last payment on XX/XX/XXXX for the period ending XX/XX/XXXX, and stated that I should have been billed a pro-rated amount from XXXX. XXXX also stated that he did not have the authority to credit that amount and that he would escalate to his supervisor that would call me back before XX/XX/XXXX. After receiving no phone call, I called back on XX/XX/XXXX and was escalated to the complaint department, they then told me that they could not credit me and that IC Solutions had to do so. They also stated that IC Solutions had all of the account information. On XX/XX/XXXX I called IC Solutions who then told me that they had to get the information from XXXX and that they would open an investigation. On XX/XX/XXXX I filed a complaint with the XXXX XXXX XXXX XXXX. That complaint was answered with a mailing from IC Solutions with statements from XX/XX/XXXX, and XX/XX/XXXX. The two months following my equipment turn-in, and cancellation of service. I did not have a contract, and was billed for services not rendered. This is fraudulent billing, and it is being reported to the credit agencies, which is a violation of the FCRA. I have documentation showing that I turned in my equipment and cancelled my service XX/XX/XXXX and was billed the following two months. If you look at XXXX  there are countless complaints of IC Solutions reporting inaccurate information to the credit reporting agencies. I have attached documents that include my receipt for picking up and returning my equipment, payment on my last bill and emails from XXXX for coming into the branch and returning my equipment, and an email from a phone call made after I paid my payment thru XX/XX/XXXX. on this call I was told that I would receive a pro-rated bill for XXXX. This bill also shows that I was billed for XXXX and part of XXXX.
Consumer complaint received 2024-04-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (TX)

XX/XX/XXXX I was talking to what I thought was valid CoinBase employees. Within a couple hours of talking to them about recovering some coins that were " lost '' in the cloud, they somehow got into my regular CoinBase account that had over XXXX various coins totaling some $ XXXX today 's value. From XXXX XX/XX/XXXX to XXXX they managed to move all those coins out to a XXXX account. Coinbase can't track but were able to provide me the transaction history that took place to steal my coins. 

I am XXXX and this was part of my retirement. These people were XXXX dialect, just as it most all of Coinbase employees, so I assumed they were valid. 

I have names and phone numbers of XXXX men I talked to in this process. 

I contacted the DOJ who filed an IC3 report for the FTC and FBI. I have a case number for that but have not heard back from any agency. 

Is this something our agency can help for me to recover these missing coins.
Consumer complaint received 2022-07-23
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. (TX)

I recently submitted a complaint to have this old account from 2012 that I never gave permission to be furnished on my credit report deleted. For one the account is over XXXX XXXX XXXX and should been deleted years ago and for two I never gave any permission for this to be furnished on my report at all. Instead of deleting the account the company decided to raise my balance by {$1500.00}. I am submitting another complaint because this creditor has violated myself and my rights. The account was supposed to be removed or deleted but they just decided to violate me some more and raise the balance. I want this account deleted asap. Its original date was in 2012. 

In accordance with the Fair Credit Reporting act XXXX Account # 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.
Consumer complaint received 2022-07-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC (RI)

THE ACCOUNT YOU HAVE IN MY NAME NEEDS TO BE PERMENTLY REMOVED OUT OF YOUR SYSTEM.AND REMOVED FROM MY CREDIT REPORTS. XXXX XXXX XXXX. THE ORIGINAL CREDITORS WAS OPENED WITHOUT MY KNOWLEDGE THE ACCOUNTS WERE UNAUTHORIZED WHICH ENTAILS IT SHOULD HAVE NEVER WENT TO YOUR COMPANY FOR COLLECTIONS. 
I HAVE DISPUTED THESE ACCOUNTS BEFORE WITH XXXX XXXX XXXX. XXXX XXXX XXXX AND SPRING OAKS CAPITAL YOU CLOSED AND " SOPPOSEDLY '' DELETED THIS ACCOUNT FROM YOUR " SYSTEM '' FOR THE REASONS IVE STATED HERE. FOR SOME ILLAGETAMATE REASON, ONLY XXXX KNOWS WHY YOU REOPENED THE ACCOUNTAND REPORTED IT BACK TO THE CREDIT BEAREAUS AGAIN. WHAT IS WRONG WITH YOU PEOPLE! NOTHING HAS CHANGED, NOR IS IT GOING TO, WITH ALL DO RESPECT HOW MANY DIFFERENT WAYS AND DOCUMENTS DO I HAVE TO SEND TO YOU FOR YOU TO REALIZE THE ACCOUNTS ARE NOT MINE.. 
ALSO YOU HAVE NO SIGNED DOCUMENTS, CONTRACTS WITH MY WET SIGNATURE ON IT YOU NEED TO PERMENTLY CLOSE AND DELETE THIS ACCOUNT FOR GOOD OUT OF YOUR SYSTEM AND REMOVE THE ACCOUNT FROM MY CREDIT REPORTS, ALL XXXXYOU ARE VIOLATING MY CONSUMER PROTECTION RIGHTS UNDER FCRA U.S.C.15 SECTION 604A , 602A AND 607 I HAVE ENCLOSED DOCUMENTS FOR YOUR CONVIENCE AGAIN IF NEED BE I WILL PROCEED WITH LEGAL ACTION THANK YOU FOR YOUR COOPERATION ACCOUNTS TO BE REMOVED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SPRING OAKS CAPITAL XXXX XXXX XXXX
Consumer complaint received 2018-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (NE)

This is in reference to complaint # XXXX already submitted. One of my credit reports indicate late payments. Another credit report shows account settled for less than original amount. This account was paid and closed. Please see the attached documents from the creditor.
Consumer complaint received 2021-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XX/XX/2020, my car was stolen. I reported it stolen to the police & have been trying to obtain the police report since. I have let XXXX and my gap insurance know this. XXXX has payed {$10000.00}, their portion toward the car. The gap insurance says that they need the police report to pay for the other {$4000.00} ; however, before I could get the police report the car was placed negatively on my credit. I have been trying to obtain a police report, but due to Covid, XXXX City Hall is closed. The gap insurance refuses to take the information to obtain the police report themselves.
Consumer complaint received 2018-05-10
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. (PA)

Greetings, I have initiated a multiple disputes with EXPERIAN over the past few months to remove unauthorized fraudulent accounts that they have failed to fully validated belongs to me. It has been well over the 30 days given for the EXPERIAN to respond with validated proof to REMOVE / DELETE these accounts per the Fair Credit Reporting Act which are hurting my ability to gain employment, qualify for apt/home and credit. I have provided all requested documents to EXPERIAN including my filed Identify Theft Police Report and proper identification to get this issue resolved in which they requested. I have also reached out to the creditor " XXXX XXXX XXXX '' but they have also fail to fully validate ( wet-ink ) signed contractually the account belongs to me. Below is the reporting unauthorized/unknown account that should be REMOVED / DELETED from my EXPERIAN credit report. Attached is a copy of my police report for your records. Should you need any additional information please let me know. 

Reporting Accounts : 1 ) XXXX XXXX XXXX - Account # : XXXX  Opened : XX/XX/2015 Experian Attn : IDENTITY THEFT DEPARTMENT XXXX   XXXX XXXX XXXX, TX XXXX Thank you for your assistance in resolving this matter. 

Regards,
Consumer complaint received 2022-07-23
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. (FL)

Reference information between all three agency reporting on XXXX Account XXXX opened XX/XX/2012 account is now closed. Information is not consistent. 

In accordance with the Fair Credit Reporting Act I believe this account has violated my rights 15 U.S.C 1681 602 A indicates States, I have a right to privacy. 

15 U.S.C 1681 604 A section 2 states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-07-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2020 I was contacted by the seller XXXX XXXX XXXX to transfer the money through XXXX, for {$500.00} for a handbag they were selling on the XXXX application. The seller preferred through XXXX and stated that she banked with XXXX XXXX  as this was the most convenient service. The seller provided me with her number and we were on the phone, as soon as the transaction went through, the caller hung up immediately. I called back and was blocked, I received a message reporting that the caller has not setup their voicemail. 

I contacted my bank, Bank of America immediately after this happened and was told that I would not be able to retrieve my funds, I explained the situation that it was a scam, but was told that there was nothing they could do. I said I have text messages but said that they would not be able to help. I asked why, they said that XXXX is not XXXX. I pleaded with them that I was scammed and was told it was my fault and neither XXXX or Bank of America reimburse.
Consumer complaint received 2024-03-14
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC (FL)

This is with the company Westlake Portfolio management. I originally had a car purchase from American Car which i asked the person selling the car to see if it was a purchase and not a lease but later on I was told by Westlake it was a lease. Ok my original payments were {$240.00} biweekly up until XX/XX/2023 when they sent me a letter stating that hey could reduce my payments to {$190.00} biweekly. 

So, I signed the agreement and was making biweekly payments to them. My problem is that every time I made a payment that someone who call me and tell me that my account is so many days past due. And before I signed this agreement I made sure that the only amount I had to pay would be the {$190.00} biweekly and was told yes because I had already paid {$5200.00} and that the taxes were included in the biweekly payments of {$190.00}. But it showing on my credit report that i have late payments due to the fact that someone from Westlake and other collections agents are calling me and telling me that my account is overdue 30 or more days. From the start, I have been having numerous car problems with this car from severe oil leak to transmission problems and have informed Westlake about this and they informed me that they could not honor American Car previous contract so that i would have to pay for all the repairs out of pocket that needed to be done to the vehicle.
Consumer complaint received 2020-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I opened an account with XXXX XXXX in XX/XX/XXXXfor a Walmart store card. I never missed a payment. In XX/XX/XXXX, the account was purchased by Capital One. I was not informed of the purchase, that my payment information would be disrupted, or that my payment arrangements with XXXX XX/XX/XXXX would need to be transferred. Because of this failure to notify, I continued sending payments to XXXXXX/XX/XXXX that were not registered by Capital One l, and therefore the account was marked 30 days late. I have two other accounts with Capital One. They have my correct address, phone number, and email on file. I was never contacted by these means. 

In XX/XX/XXXX I made a payment to this same account, I also make a payment in XX/XX/XXXX. Yet the payment was marked 30 days late in XX/XX/XXXXagain.
Consumer complaint received 2024-05-26
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (OH)

On XX/XX/XXXX, I received an email from Chase stating that my credit card would automatically be added to the XXXXXXXX XXXX XXXX. The email said to opt out, I needed to call XXXX. 

I called this number on XX/XX/XXXX. I was routed to XXXX different represntatives, each saying they could not help me. The final representative said that I can only opt out after my card is linked to XXXX. 

I researched the XXXX website and it also states I can not opt out until after my card is already linked : How do I opt out of XXXX? 
You will be able to opt-out of XXXX on XXXX after your participating bank or credit union has added your eligible card to the service. You will be informed when your bank or credit union has added your card. 
XXXX includes eligible consumer credit and debit cards from participating banks or credit unions including XXXX  XXXX XXXX, XXXX XXXX, Chase, XXXX, XXXX, XXXX, XXXX XXXX, and XXXX XXXX, with more financial institutions to be announced. If you have additional questions, please contact your participating bank or credit union.