davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-26
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Incomm Holdings Inc. (AZ)

i purchased 4 Vanilla Gift cards from XXXX {$50.00} {$50.00} {$100.00} {$200.00} for XXXX gifts. The cards were shipped to my address but were not activated I called XXXX XXXX they sent me over to VanillaXXXX i put a claim in Claim # XXXX sent the receipt my ID a bill to verify my address on XX/XX/23 they keep telling me to call back in 7 days every time i call. XXXX XXXX will not issue me a refund and Vanilla wont give me new cards or my money. At this point I dont know what to do
Consumer complaint received 2017-06-25
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: JPMORGAN CHASE & CO. (IL)

XXXX XXXX missing from account from dates thru XX/XX/XXXX til present chase sent replacement card and basically I 've been denied a right too activate it because of fraudulent identity theft questions that I simply could n't answer because they were '' *this close '' *yet off n a sense on each one therefore the scrutiny was the " Baitnswitch '' fraudulent reasons I was denied! Activation on telephone by XXXX, from 3world country that 's soliciting my social # .this bank when I established this POA account lied n just thru all my $ $ cash n my mothers account, n then began to go to work on my cash n ways n delegation I never drafted consent to, plus allowed transactions n nonmatching '' names in cyberspace ushering '' me to visit the branches filled with racism n by yelling n intimidating me by phone and by refusing to answer to my complaint n writing ' to the cfpb is also revealing they hiding something .plus my proof such as receipts already given to cfpb depicts I may be on to something as proof that " chases '' bank records r altered compromised erroneous, deceptive n basically subversive too good faith '' money management that it purports to give but really do n't at all .some ATM receipts reflecting highly dishonest misleading amounts during these per than what really was inside account causing other dissaray, +/or its chase sending money or allowing transaction to go thru right away and Still later come in get paid twice virtually later is like theft by electrical transfer.XX/XX/XXXX # -XX/XX/XXXX I did n't take XXXX, out.return my XXXX $!!
Consumer complaint received 2022-01-26
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: TD BANK US HOLDING COMPANY (PA)

Hello, I am voicing a formal complaint against TD Card Services. My wallet and credit cards were stolen in XX/XX/XXXX. TD notified me via text message of potential fraudulent activity on XX/XX/XXXX, and prevented numerous $ 1,000+ transactions to XXXX XXXX via XXXX XXXX. When I called TD to confirm the transactions were not initiated by me, I had voiced concerns about {$0.00} transactions for " Mobile Wallet '' listed on my online account as recent transaction activity. The representative said they meant nothing and didn't move forward with the issue. They blocked the fraudulent charges, and issued me a new card number. 

Well, on XX/XX/XXXX, my TD credit card was once again compromised. On XX/XX/XXXX, I discovered TD allowed a {$1000.00} transaction to be paid to XXXX XXXX via XXXX XXXX on XX/XX/XXXX. The same amount, company, and payee they blocked one month prior. I had to speak to numerous representatives to get through the system in order to speak with a manager in the fraud department. After having to retell exactly what happened 3-4 times, the call was disconnected, and the manager did not reach back out to me. After I called back and had to go through all of the prompts and security again, I was informed by another Fraud Manager that my card was compromised because " tokens '' were left available on my accounts. These tokens connected my new card number with my old card number. And when the first new card number was issued, it was sent directly to the fraudster- to SEVEN virtual wallets. This means that the 6+ representatives within the fraud department who arguably should be more informed on fraud tactics than myself did not think to consider this issue a possibility, when I had multiple {$0.00} mobile wallet transactions on my recent account activity. 

I am utterly disgusted by the service I've received. The representatives in the fraud department at TD failed me. They allowed a fraudulent transaction to go through on XX/XX/XXXX, and have yet to reverse the transaction to make me whole as of XX/XX/XXXX. This is utterly unacceptable. 

I received a voice message from a manager at TD, who told me that this will likely not be resolved until XX/XX/XXXX 23 days after the fraudulent activity occurred, and 18 days after they were notified. Not only has TD bank failed to protect me from fraudulent activity, they are creating significant hardship and anguish by failing to rectify the failure and make me whole. 

Whats more, this credit card account was fraudulently open for me by a TD Bank branch representative in XXXX. When I called this branch in XXXX, PA to notify them, they told me that the employee was let go and there was nothing else they can do. 

TD Bank should be investigated for unfair and unacceptable business practices.
Consumer complaint received 2022-01-27
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (NJ)

I previously submitted complaint XXXX where HMF replied and allegedly they mailed the title out on XX/XX/XXXX. It is now XX/XX/XXXX and still no title. In the last year alone there have been approx. XXXX similar complaints filed with this agency by other customers who, similarly, had their cars title held hostage. There is no way any company can blame XXXX for losing that many titles in a year. I need my title sent to me now.
Consumer complaint received 2021-05-16
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. (PA)

I previously tried to resolved this fraudulent account with this company I called this company and submit information for my dispute this company had numerous attempts. I will filing a complaint against this company and keeping a record of how this company is responding to my complaint and to show people of how this company treat there customers.
Consumer complaint received 2022-04-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

Our original mortgage lender sold our loan to Nationstar/Mr. Cooper in XXXX. Our loan has been with Mr. Cooper since early XXXX. Immediately, we set up automatic payments from our bank with the loan account information given to us by Nationstar/Mr. Cooper. For all of XXXX, payments were sent, accepted, and applied to our mortgage balance without complications. 

In XXXX, Nationstar/Mr. Cooper began accepting our payments, DID NOT apply them to our account, sent them back to us 14 days later, charged us a late fee, and then contacted credit reporting agencies to downgrade our credit. As soon as we learned that there was an issue in XX/XX/XXXX, we sought to understand the source of the sudden problem and have a workable solution. 

We have now spent hours on the phone, fax, email compiling supporting documents and communicating with their customers service department. We engaged in a three-way call with our bank. Our bank issued evidence of the ON TIME payments we were charged late fees for as well as the return of payments WITH NO EXPLANATION. Mr. Cooper would only issue letters from their " Research Department '' that the issue was being investigated and they would send us information in 30 days. 

When the same thing happened in XX/XX/XXXX, I grew impatient and very upset. I used social media to call them out. Within 24 hours, Mr. Cooper had contacted me and reversed the late fees, backdated our payments and supposedly contacted the credit agencies. 

BUT the damage is done. We can not trust this company. Our credit is already damaged. We have already had to work very hard to just get them to do their job. 

We are seeking another lender at this time. It will cost us in XXXX, closing costs and time. 

Mr. Cooper is running a spectacular scam -- take the money, hold the money, use it as they want for XXXX weeks, send it back, charge the customer a fee, downgrade the customer 's credit so they are beholden to Mr. Cooper because other lenders are leery of their recent credit history. Whoever thought it up is an evil genius. 

It deserves an investigation. We deserve some recompense for our distress and the money will will spend to ensure we are no longer associated with the unprofessional and unethical practices of this company. We are fortunate that we CAN pay the fees associated with an increase APR and loan costs ; other people may not be so fortunate. BUT WE SHOULD NOT HAVE to incur these costs because of their mistakes. 

Please help us. 

XXXX XXXX and XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-16
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: EQUIFAX, INC. (NY)

On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me
Consumer complaint received 2022-04-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (TN)

I received a copy of my credit report. There is an account on there that I did not open. I have no knowledge of it. It has been opened by identity theft. The account was synchrony car care credit card. 
SYNCB/CAR CARE SYN CAR Date opened XXXXXXXX XXXX XXXX Account type Charge Card
Consumer complaint received 2021-05-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO. (CA)

I have Purchase Protection as a card benefit on my Chase XXXX XXXX card. I lost a bag on the train on my way to the airport containing an handbag that I purchased on the card. The card explicitly states that involuntary separation is covered and they will not cover the cost of the lost bag and are claiming it was a " mysterious disappearance ''. I had reached out to the transit security to ask if the bag has come up and they have not found the bag. I have provided this evidence to my credit card and they are not accepting my documentation and rejecting the claim despite their terms and conditions stating that this incident should be covered. 

I submitted my claim through the link they provided me : XXXX Claim Number : XXXX
Consumer complaint received 2022-04-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION (TX)

Amerisave cut 3 checks from my escrow account to pay my hazard ins. Two checks for XXXX each, XXXX check for XXXX. The insurance was XXXX. On my dashboard, it clearly shows that one check for XXXX and one check for XXXX were refund deposited. After taking the 3 checks out of my escrow, the company ran an escrow analysis, which caused my escrow to be short XXXX  dollars, which in turn caused my mortgage to go up XXXX  dollars. I feel that the money somehow has been stolen. It clearly shows on my dashboard that the 2 checks were re-deposited but for some reason the money has not made it back to my escrow account. I have been dealing with this issue with the company for over a month. I have asked for a new analysis to be ran after the checks are deposited but it is at a standstill and in the meantime, I am paying XXXX  dollars a month more then I should be. I am retired and on a fixed income and clearing can not afford this huge increase because they won't correct their mistake, where are my 2 missing checks??
Consumer complaint received 2021-05-16
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: EQUIFAX, INC. (SC)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2019-07-03
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. (GA)

Equifax lowered my score due to old Mortgage & Vehicle accounts that were paid off & closed years ago have now fallen off due to reporting dates. I have concerns about the methodology they use to determine credit scores. Also, I am beginning to think there is a bit of discrimination with XXXX or something is not right. If a person refuses to take on excess debt for the purpose of these credit bureaus reporting higher scores why are they being held as not creditworthy? The entire credit score reporting industry is a scam fiasco.
Consumer complaint received 2021-05-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

An item appeared negatively effecting my credit report regarding an account of which I had no knowledge. My expecting fiance and I were denied housing because of the derogatory marks on my credit. This account was opened fraudulently. Ive asked that the item be removed from my credit report simply pending further investigation into the matter. At this time no steps have been taken by the company to allow for such and legal counsel has been obtained.
Consumer complaint received 2021-05-16
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: ID Analytics, Inc. ()

I went to the XXXX  used car lot in XXXX Louisiana. It's been a while since I had. Like less than 2 years. I DIDN'T get a car not loan. It's has me as having a loan for a car an neither of them I was informed about. I'm trying to get a place to live and my credit is the reason to why I can't get a roof. I have a XXXX year old XXXX. Help me with the process of getting us a place to live. Please and thank you.. 
2020. XXXX XXXX
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

For the last 90 days I have been repeatedly disputing these illegal/fraudulent accounts that was obtained without my knowledge and consent via XXXX, Equifax, and XXXX. I have always lived at XXXX XXXX XXXX # XXXX. Someone illegally obtained my information and opened fraudulent accounts and used apartment number # XXXX which I have NEVER lived in that apartment unit. 

With the help of a friend I was able to identify what accounts were illegal in my name. Currently I Have 1 inquiry on XXXX, and I have 0 inquiries on XXXX and Equifax as I am able to lock/freeze my report now. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Please this has been a very tedious process! I have a new company opened I am very VERY responsible. I am being held back with these illegal accounts!!!!!!! 


EIN Assigned : XXXX Legal Name : XXXX XXXX XXXX XXXX The three following accounts is totally illegal/fraudulent! It should have never been opened in my name. Please remove the three following accounts from my credit report. It's hampering and messing with funding for my new business that I just launched as well as a future mortagage. These Accounts are illegal! I've been fighting this for the last 90 days please help. These accounts are not mine and I am going to continue repeatedly to dispute until these negative/fraudulent/illegal items are removed off my credit report ( XXXX, equifax, XXXX ) *********ILLEGAL/FRAUDULENT CREDIT CARDS*********** **XXXX, Equifax, XXXX XXXX XXXXXXXX XXXX Balance {$150.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX Balance {$57.00} Date Opened XX/XX/XXXX XXXX  XXXX XXXX Balance {$13.00} Date Opened XXXX XXXX All three of these illegal accounts were opened within a 30 day time period which I had NO KNOWLEDGE! ABSOLUTELY NOTHING! I have done my homework these accounts are illegal and holding me. Please remove these 3 items off all 3 bureaus as soon as possible. Thank you! Its not fair these are not my accounts!! Its already hard enough in America as it is but for someone to illegally obtain stuff in your name without a consent is beyond ridiculous. I am not responsible for anything thats fraudulent *********ILLEGAL/FRAUDULENT CREDIT CARDS*********** **XXXX, Equifax, XXXX** Please this has been a very tedious process! I have a new company opened I am very VERY responsible. I am being held back with these illegal accounts!!!!!!! 

EIN Assigned : XXXX Legal Name : XXXX XXXX XXXX XXXX My company above which is in my name is behind held up for funding because of illegal items on my report. Please help! 

XX/XX/XXXX
Consumer complaint received 2022-09-28
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. (AZ)

n accordance with the Fair Credit Reporting act 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
Consumer complaint received 2022-01-26
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Terrill Outsourcing Group (GA)

we receive at least one all a day ( leaving a voice message on our land line phone ) most of the calls come from the same phone number, XXXX. Message is the same every time; Hi this is XXXX from XXXX XXXX 's XXXX, please call me today before XXXX. We have not done business with this company. 

Most of the return call numbers are the same XXXX. Calls have been coming since XXXX, 2021. We believe the calls are a scam and will not call them back using our phone
Consumer complaint received 2022-01-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Continental Services Group, Inc. d/b/a ConServe (IN)

No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Consumer complaint received 2022-04-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: HUNTINGTON NATIONAL BANK, THE (MI)

I applied for a job that was remote. Had the interview and the next day I got hired. The company sent me a check to go buy supplies. I deposited the check and the next day, the funds were available. I then went out and purchased XXXX XXXXXXXX XXXX XXXX, a XXXX phone and XXXX gift cards totaling 1,000 dollars. 
I was then instructed to send the computers and phone to the companies vendor to have installations of programs downloaded. I did that and the next day, the check wouldnt clear. Im out XXXX. 
Because I deposited the check and then spent the money, the bank is holding me responsible. I showed them all information, police reports and receipts and they didnt care. 
I did receive an email from XXXX stating I answered a job application that was a scam, however, that went to my spam folder and the damage was already done. 
Now Im having to hire an attorney to try and keep my credit cleared of this. 
Huntington Bank was awful to me and just kept saying that Im responsible.
Consumer complaint received 2017-06-25
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (IL)

A Navient rep told me on the phone earlier this month that I qualified for and had been enrolled in an interest-only repayment plan. When I checked my account on the Navient website, it said I was denied for interest-only repayment, and the listed reason why was literally nothing besides " your loan is currently not eligible for the requested repayment option ''. This is not even close to an acceptable explanation, especially after the rep told me I was qualified. No explanation has been offered and I have been repeatedly denied this plan in the past without ever being given any reason or being told what I need to do to qualify. I am struggling to pay my loan and have been told by other reps several times that my only option is default.
Consumer complaint received 2017-06-25
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. (MN)

I am a victim of identity theft and have been a victim of identity theft for quite some time. I have a fraudulent and unauthorized collection account and credit inquiries listed on m y Trans Union ,   XXXX   and   XXXX   credit report that do n't belong to me. The collection account and credit inquiries are all fraudulent and unauthorized. I have been receiving threatening phone calls of death threats for the collection account with   XXXX   XXXX  . The following collection account is fraudulent and unauthorized :   XXXX   XXXX   {$460.00},  XXXX / XXXX / XXXX , the following credit inquiries are fraudulent and unauthorized :   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