davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-29
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. (VA)

I purchased a {$400.00} Vanilla Visa Gift card [ Card # XXXX ] from a XXXX XXXX XXXX in XXXX, Virginia for my wife, XXXX XXXX, in XX/XX/2021. She tried to use the card for the first time in late XX/XX/2021, but it was declined by the merchant. She called Vanilla Visa Gift Card Customer Care [ XXXX ] and was told that there was an issue with the card and it was no longer active. My wife filed a complaint with Vanilla Visa Credit Company, and she was assigned case number XXXX. Vanilla Visa Gift Card sent another card to my wife, but the amount on the new gift card was only {$250.00} [ Card # : XXXX ], {$150.00} less than the original amount of {$400.00}. I contacted Vanilla Visa Gift Card Customer Care multiple times by phone and was told that I would receive an e-mail about the matter. I was also told that the {$250.00} gift card would be inactivated and the matter would be resolved. 

The {$250.00} replacement card was, in fact, inactivated by Vanilla Visa Gift Card ; however, Vanilla Visa Gift CardXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX XXXX XXXX ], did send me a check for {$250.00}, but again, this amount is {$150.00} less than the original gift card purchase of {$400.00}. The company refuses to take responsibility in resolving this issue. I would like to be reimbursed the remaining {$150.00}, and for the CFBP to notify consumers, other Government agencies, and XXXX XXXX XXXX groups that have the mission of protecting consumers and ensuring their protection against fraud and high risk gift card products. 

Thank You for your time and consideration. 

XXXX XXXX XXXX XXXX, XXXX XXXX Retired XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-29
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (VA)

I have an account with Target Bank USA, NA and I have alerts set up on the account to remind me of the payment. I have requested to be notified by phone via text then email so that I am not late with payment and I do not incur fees and any late payments over 30 days on my credit. I'm trying to re-establish my credit history like most people since the pandemic and Target has reduced my credit line from {$3000.00} down to {$300.00} which is their right. I've been a cardholder since 2016 and experienced difficulty during the pandemic and have been back on track. Well I'm a XXXX Veteran and have many conditions and I suffer with XXXX XXXX this is why I have requested the text messaging first. I didn't receive the text message until after my due date which would have assessed my account a late fee and a 30 day late. I'm not sure why this happened but this is extremely damaging to my credit worthiness in which I'm working so hard to achieve, I'm a single woman and I don't have anyone to assist with my bills or a man bringing more money into the household. Had I been properly notified I would have paid the requested monies due in a timely fashion. Also, please be advised I had just been released from the VA for my conditions, and was being bombarded from Doctors to ensure I was safe. Upon receipt of the notification today, when I realized the payment was due I made said payment and attempted to contact them to discuss the alerts not being made appropriately ( XXXX est ) and they were not in the office.
Consumer complaint received 2022-08-18
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: EQUIFAX, INC. (GA)

15 U.S.C. 1681 Section 602A 15 U.S.C. 1681 Section 604A XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Balance XXXX XX/XX/XXXX, XXXX {$380.00} Original balance- {$380.00} Account info-Account number XXXX Date opened-May XXXX, XXXX Account type-Collection Status-assigned to attorney, collection agency, or credit XXXX 's internal collection department XXXXXXXX XXXX XXXX  Original creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX {$1000.00} Account info-Account number XXXX Date opened-XXXX  XXXX, XXXX Account type-Collection Status assigned to attorney, collection agency, or credit XXXX 's internal collection department XXXXXXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX {$14000.00} Account XXXX Account XXXX Date opened-XXXX  XXXX, XXXX Account type-Collection Status assigned to attorney, collection agency, or credit XXXX 's internal collection department XXXXXXXX XXXX XXXX Balance on XX/XX/XXXX, XXXX {$420.00} Account info Account XXXX Account status-Closed Date opened-XXXX  XXXX, XXXX Account type-Credit Card XXXX Account XXXX Account XXXX Account status-Closed Date opened-XXXX  XXXX, XXXX Account type-Charge Card XXXX XXXX XXXX Balance on XX/XX/XXXX, XXXX {$650.00} Account info Account XXXX Account status-Closed Date opened-XXXX  XXXX, XXXX Account type-Credit Card XXXX XXXX Balance on XX/XX/XXXX, XXXX {$7500.00} Account info Account XXXX Account status-Open Date opened-XXXX XXXX, XXXX Account type-Credit Card XXXX XXXX Balance on XX/XX/XXXX XXXX XXXX {$400.00} Account info Account XXXX Account status-Open Date opened-XXXX  XXXX, XXXX Account type-Credit Card
Consumer complaint received 2022-08-18
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. (GA)

15 U.S.C. 1681 Section 602A 15 U.S.C. 1681 Section 604A XXXX XXXX  XXXX  Original creditor : XXXX XXXX XXXX XXXX Balance XXXX XX/XX/XXXX, XXXX {$380.00} Original balance- {$380.00} Account info-Account number XXXX Date openeXXXXy XXXX, XXXX Account type-Collection Status-assigned to attorney, collection agency, or credit XXXX 's internal collection department XXXXXXXX XXXX XXXX Original creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX {$1000.00} Account info-Account number XXXX Date opened-Mar XXXX, XXXX Account type-Collection Status assigned to attorney, collection agency, or credit XXXX 's internal collection department XXXXXXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX {$14000.00} Account XXXX Account XXXX Date opened-XXXX  XXXX, XXXX Account type-Collection Status assigned to attorney, collection agency, or credit grantor 's internal collection department XXXXXXXX XXXX XXXX Balance on XX/XX/XXXX, XXXX {$420.00} Account info Account XXXX Account status-Closed Date opened-XXXX XXXXXXXX, XXXX Account type-Credit Card XXXX Account XXXX Account XXXX Account status-Closed Date opened-XXXX  XXXX, XXXX Account type-Charge Card XXXX XXXX XXXX  Balance on XX/XX/XXXX, XXXX {$650.00} Account info Account XXXX Account status-Closed Date opened-XXXX  XXXX, XXXX Account type-Credit Card XXXX XXXX Balance on XX/XX/XXXX, XXXX {$7500.00} Account info Account XXXX Account status-Open Date opened-XXXX  XXXX, XXXX Account type-Credit Card XXXX XXXX/XXXX  Balance on XX/XX/XXXX XXXX XXXX {$400.00} Account info Account XXXX Account status-Open Date opened-XXXX  XXXX, XXXX Account type-Credit Card
Consumer complaint received 2021-09-25
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. (NJ)

On XXXX I sent Equifax a letter via a CFPB complaint stating EQUIFAX is in violation of my privacy rights for reporting unauthorized written consent from the consumer. In there response ON XXXX EQUIFAX did not remove the items as instructed, instead claim they will try and verify the information. This has nothing to do with VERIFICATION! EQUIFAX is negligently and/or willfully failed to comply with 15 U.S.C. 1681 ( B ) and 15 U.S.C. 1681 ( A ). I did not give EQUIFAX written authorization to violate my privacy and report what congress said CAN NOT be reported on a consumer report under 15 USC 1681 ( a ) ( 2 ) ( b ) any consumer transaction with an extension of credit from the CONSUMER direct or indirect by the issuer of a credit card or similar device should be excluded from a consumer report. A CREDIT CARD IS DEFINED AS ANY CARD, PLATE, COUPON BOOK, OR OTHER CREDIT DEVICES existing for the purpose of OBTAINING MONEY, LABOR, OR SERVICES ON CREDIT NOTICES. There for the use OF MY SOCIAL SECURITY CARD ALSO KNOWN AS MY CONSUMER CREDIT CARD was used in CONSUMER CREDIT TRANSACTIONS for the accounts listed below! 15 USC 1681a ( 2 ) ( b ) STATES IT MUST BE DELETED! Section 621 of the FCRA, 15 U.S.C. 1681s, authorizes the Court to award monetary civil penalties of not more than {$2500.00} for each knowing violation of the FCRA that occurred since September 30, 1997. I will seek monetary damages along with emotional and financial damages if the accounts are NOT DELETED IMMEDIATELY BY EQUIFAX XXXX XXXX - file # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - # XXXX
Consumer complaint received 2019-10-04
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Javitch, Block & Rathbone LLC (OH)

I have had trouble paying my private student loans this past year. Many loans became delinquent and were moved around from different servicing agencies. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Javitch Block LLC filed a lawsuit, " Summons Civil Action '' in the XXXX County Courts, case # XXXX. I reached out to the law firm representing XXXX XXXX XXXX XXXX and they said there is no way to contact " their '' client and they are refusing to provide me with payment history on the loan that was originally taken out through the lender XXXX XXXX XXXX XXXX, XXXX. for {$6000.00} on XX/XX/2005. I have made many payments towards this loan over the past 10 years, but XXXX XXXX and their affiliates refuse to provide that information. I have been calling all of my loan services to get all of my history.
Consumer complaint received 2018-04-20
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: CITIBANK, N.A. (MA)

The data reported to the Credit Bureaus ( XXXX, XXXX and XXXX ) in regards to a late payment to Citi Card account ending in XXXX was incorrect and was due to an error by Citi. 

After investigation by Citi, it was confirmed that there was a representative error in regards to my account ending in XXXX. On XX/XX/XXXX I had requested my account be closed and the representative I made several requests to never closed it. 

On XX/XX/XXXX, I was alerted by XXXX XXXX that my credit score had dropped significantly due to a late payment. I immediately investigated why and promptly reached out to Citi to get this resolved. 

On XX/XX/XXXX, same phone call, the manager of the representative with whom I had spoken, reviewed the transcript of the call and chat in which I made this request, and confirmed and agreed that the account should have been closed on XX/XX/XXXX. 

Because the account was not closed, this resulted in additional charges to the card that were not authorized, and because I thought the account was closed, I was unaware of. 
The late/delinquency fees associated have been credited back to the account by Citi. The charges made to the card after the account should have been closed that resulted in the outstanding balance have also been refunded to the card which should result in a {$0.00} balance on the account. 

On XX/XX/XXXX, the representative that was helping resolve the matter closed my account with Citi. 

I wrote a letter to their credit dispute department requesting that this data be removed from my credit history as soon as possible and immediately. I am in the middle of buying a house and this is damaging to my credit score and needs to be resolved immediately. This is incredibly harmful timing for this be happening and would appreciate all efforts to resolve immediately. 

How can a company rep make a mistake and now its going to cost me somewhere to the tune of {$50000.00} over the life of my mortgage? I need this resolved literally immediately. They are pulling my credit for interest rate in the next few weeks. Just unbelievable that they can make a mistake and I suffer for it. 

They promised that they would submit to the credit bureaus that it was inaccurate. However, I submitted the dispute to the credit bureaus, they investigated and said that Citi told them the data they hod originally submitted was correct. So they did not fix my credit score.
Consumer complaint received 2022-10-08
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. (PA)

In accordance with the fair credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX TX, last XXXX of account # XXXX, has violated my rights. XXXX5 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section : It also says 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 2019-05-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK (UT)

Discover Bank is inaccurately reporting late 's on my credit file for the months of XX/XX/2019 through XX/XX/2019. I paid my full balance off completely. I was not advised about any interest fees thereafter my balance was paid off. for 3 months I did not receive any notifications, letters, or any phone calls that I had a balance until I checked my credit file and noticed the lates. They had my email address wrong in their system. They agreed to remove all the fees, yet they are still showing a balance and late charges on my account. I request they remove the lates and fees as this was not my fault!!!
Consumer complaint received 2017-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

XXXX mortgage payment was made XX/XX/XXXXbringing account current when it was previously 30 days past due. 
Credit Bureau was last updated XX/XX/XXXX showing 30 days late. 
XXXX and/or all three credit bureaus did not and have not yet updated reports showing I am current and it is now XXXX/XXXX/XXXX XXXX says they reported on XXXX/XXXX/XXXX ( see attached letter ). However all bureau 's still show 30 days late with no update from XXXX since XXXX/XXXX/XXXX. 
I have been waiting for the status to update so I may buy a more reliable car but I need my score to go up just a couple more points to qualify. When XXXX no longer shows 30 days late this should help. 
Unfortunately XXXX is still reporting 30 days late and when I call I was told three times that they have already sent the update to the credit bureaus. But - still no update. 
I am going to have a problem with having reliable transportation if the is delay much longer. The have not been truthful in communicating their reporting ( see attached ) and are in violation of the FCA.
Consumer complaint received 2017-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

XXXX mortgage payment was made XX/XX/XXXX bringing account current when it was previously 30 days past due. 
Credit Bureau was last updated XX/XX/XXXX showing 30 days late. 
XXXX and/or all three credit bureaus did not and have not yet updated reports showing I am current and it is now XX/XX/XXXX XXXX says they reported on XX/XX/XXXX ( see attached letter ). However all bureau 's still show 30 days late with no update from XXXX since XX/XX/XXXX. 
I have been waiting for the status to update so I may buy a more reliable car but I need my score to go up just a couple more points to qualify. When XXXX no longer shows 30 days late this should help. 
Unfortunately XXXX is still reporting 30 days late and when I call I was told three times that they have already sent the update to the credit bureaus. But - still no update. 
I am going to have a problem with having reliable transportation if the is delay much longer. The have not been truthful in communicating their reporting ( see attached ) and are in violation of the FCA.
Consumer complaint received 2022-01-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (SC)

I have been working with Discover card for almost a year in which some tickets purchased on XXXX were charged to my discover card. I originally tried calling XXXX at the phone number referenced on my discover statement but due to the pandemic, there were no customer service agents working so they do not allow u to talk to a live person. I tried messaging XXXX to no response. Therefore, I filled a fraud dispute with discover card and three times I called and spoke to representatives. They provided me documents from XXXX that indicated the tickets were emailed to an email address that wasnt mine and the charges were made by an electronic device that was in another state that I have never been to. Discover card had put the charges on my account and reversed them 3 times as we went back and forth. They first agreed then put the charges back in my account each time discover did not notify me why the charges were put back on my account. I had to call discover and have them send me and tell me why the charges were put back on my account. Honestly, I think they wanted me to not notice or get frustrated and just pay the charges. The last time they put the charges back in my account, I called customer service and was on hold for 45 mins and transferred to 3 different customer service agents and when the last one I was connected to she said hi and then hung up. So I called discover back and then was on hold for 1 hour and 5 mins before I was connected to customer service and she told me that Discover had concluded their investigation and sided with XXXX. She couldnt give me any other details or information about what had chances since I talked to them last time. Honesty this is just a sign of big business being big business. They wanted me to give up and get frustrated and just pay the charges..this is what I get for being a tax paying good citizen. All is forgotten that my hard earned tax money helped bail these companies out in 2008. No justice for the little guy.
Consumer complaint received 2019-10-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Debt Mediation, Inc. (TX)

Professional Debt Mediation has harassed me, used profanity, and threatened arrest because of a fraudulently signed lease by a company I have never heard of. Professional Debt Mediation has hundreds of similar complaints on here, and I will not go unheard. REMOVE THIS FRAUD FROM MY CREDIT REPORT, AND STOP SENDING ME PROFANE PHONECALLS.
Consumer complaint received 2018-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AFNI INC. (NY)

I spoke to XXXX and disputed fees. I then advised AFNI that the charges were wrong on the account and advised I am disputing the balance and I want all reporting to cease and desist as it is improper. They still refused to work with me and for months they have reported a bad debt to my credit bureaus report and they argued that they could not remove the wrong reporting.. Stating they had rights ...
Consumer complaint received 2022-01-29
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. (TX)

I, XXXX XXXX, am filing this complaint on my own, with no help from anyone else. My FTC Identity Theft Report and detailed complaint are attached. This notice and compliance are fully authorized by me. My identity theft affidavit has also been mailed to all relevant CRAs. 

I have never approved or given specific written authorization to any 3rd party affiliate CRA to share my data with the following firms ; please be advised that without my consent, you are committing identity theft, and you have no legal basis to do so under 15 USC 1681 : -XXXX opened XX/XX/XXXX - XXXX XXXX opened : XX/XX/XXXX - XXXX XXXX opened : XX/XX/XXXX - XXXX XXXX opened : XX/XX/XXXX XX/XX/XXXX opened : XX/XX/XXXX -XX/XX/XXXX opened : XX/XX/XXXX -CBS XXXX XXXX opened : XX/XX/XXXX XXXX XX/XX/XXXX opened : XX/XX/XXXX
Consumer complaint received 2017-08-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

the computer glitch caused my inquiries to be deleted.later transunion later added them back on my credit report without giving me a legal required written notice 5 days prior to them re adding.i contacted Transunion to have the inquires deleted
Consumer complaint received 2022-01-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MD)

I received correspondence on XX/XX/XXXX from FedLoan in response to my request for TEPSLF forgiveness. The letter states that I am not eligible for forgiveness now because I have not made the required 120 payments. However, when I checked FedLoan 's XXXX Payment Tracking page, I noticed that there are two years of loan payments that are not counted - between XX/XX/XXXX and XX/XX/XXXX - these payments just appear to be missing from my record. 

I consolidated my loans in XX/XX/XXXX with XXXX XXXX XXXX ( XXXX ) and began repayment the summer of XXXX. XXXX XXXX XXXX ( XXXX ) continued as my student loan servicer until my loans were transferred to FedLoan in XXXX. I believe that with these payments counted I will be over the required 120 payments needed to qualify for XXXX forgiveness.
Consumer complaint received 2022-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Greetings, Ive been trying to reach the different Bureaus by letter letting them know wich information its incorrect on my Credit report since a few months ago, I havent receive an answer, and at this point I just feel they are not going to cooperate with me, As I understand the Law says they are suppose to answer me and I feel they are preventing me from my right to know of what is going on with my credit report.