davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Thaxton Investment Corporation (TX)

In XX/XX/2021, I received a unsolicited check to my home mailbox in the amount of XXXX Dollars. The check came attached to a letter with Terms and Conditions. I contacted the XXXX XXXX listed on the letter to confirm that the check was real, as it is abnormal to receive a random check in the mail. The XXXX XXXX  Manager, XXXX, confirmed that the check was real and it was an invitation to apply for a loan with Covington Credit. XXXX stated I would not need to pay the full amount of XXXX listed on the letter sent with the check. I informed XXXX I would be paying off the entire balance by the end of the month and she told me that was fine and reiterated if I payed off the loan early, I would not need to pay the entire XXXX. Unfortunately due to an illness, I was unable to make the full payment by the end of XXXX. I called the store and informed XXXX I would need to pay late, to which she agreed. In XX/XX/2021, I made 2 payments, one of XXXX dollars and another of XXXX dollars. On XX/XX/2021, I called the Covington Credit store to ask about paying off the balance. I was told my balance was XXXX dollars. XXXX also encouraged me to continue making XXXX dollar payments so I could " establish time with them and take another loan. '' According to the literature sent to me by Covington Credit, if I followed the 9 month plan of XXXX dollars a month, I would need to pay XXXX dollars, so it is unclear how XXXX had come to this number. On XX/XX/XXXX, I called the store and asked to speak to XXXX, The girl that answered the phone, XXXX, was very evasive and refused to let me speak to her boss. I asked several times, and all she would answer was " regarding '' and then finally said she would not connect the call. I called again and spoke to XXXX, who stated she never told me I could pay less than the XXXX. I asked several times about how she arrived at the XXXX figure for payoff, and she refused to answer my question. She suggested I contact her corporate office and hung up on me. I left a message for her District Manager and have not received a response.
Consumer complaint received 2020-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CBC Companies, Inc. (TX)

remove the address not mine XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX  XXXX, TX, XXXX XXXX XXXX XXXX, TX, XXXX
Consumer complaint received 2024-03-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

This is regarding a repeated dispute about my checking account with Chase Bank. An account was open under my name without my knowledge or consent in a state outside of where I live. I'm in California and the account and two transactions occurred in Georgia. The first time it opened was in the summer of XXXX. The claim department give me a provisional credit while the investigation took place and then removed it. I didn't know at that time there was an account in GA until the second fraud took place in XX/XX/XXXX. I was told I was at fault because the attempt at the Chase ATM in Georgia went through with one pin attempt. I was told to get the money back I had to prove in California and not in Georgia. I was at work at the morning in question just like the second fraud also on a Friday morning. I had my employer write a letter on my behalf to prove I was in California. I got my money as a result of the letter. I was still angry and bitter about it. But I moved on. Then in XX/XX/XXXX, it happened again. I found out about the account being in GA. I closed my ATM card and reopened it. Like I did the first time. But this time, I changed the PIN number. Claims gave me a provisional card and then I decided to get the executive office involved. They said they would act as my advocate if the claims denied the final credit and decision. But they were involved keeping abreast of the claim. Then I got the money taken out of my account. There was alot of back and forth communication between them and claims. The Executive Office decided to give me a courtesy credit for the {$200.00}. But they also said they would try to get claims to give me an additional {$200.00} because I wasn't in Georgia and ever ordered a Chase card or make the transaction from a non-chase atm there. I waited to hear back and called the executive office. They said claims would not give me an additional {$200.00} and I got the impression I was not believed. I was just told to set up a new username and password to eliminate the Georgia address on my account.
Consumer complaint received 2020-04-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ORG GC GP BUYER, LLC (CA)

Starting in XX/XX/XXXX, I began disputing a XXXX XXXX Credit Card account with the credit bureaus. This account was fraudulently opened using my personal information. All required documentation was provided, including my FTC report and a copy of my ID to validate my personal information including my address. The CRA 's immediately blocked this fraudulent account and provided all information to XXXX XXXX per my request. XXXX XXXX sent me a letter on XX/XX/XXXX confirming they were investigating everything, and on XX/XX/XXXX they sent another letter confirming their investigation was complete and they concluded I am still responsible for the account. No documentation was provided. 
On XX/XX/XXXX I received a letter from XXXX XXXX, stating that my account was at risk of being referred to a collection agency. 

On XX/XX/XXXX I sent a letter to XXXX XXXX requesting reinvestigation, and reiterated that I am a victim of identity theft and requested all specific records and documentation from their investigation pursuant to Section 609 ( e ) of the Fair Credit Reporting Act. I made sure to include all required documentation to support my claim for identity theft, including 1. A copy of my drivers license & social security card 2. A completed and signed FTC Identity Theft Report. 

XXXX XXXX wrote back on XX/XX/XXXX with the exact same letter as what was sent on XX/XX/XXXX. Absolutely zero changes made, and no further documentation was provided. 

As of XX/XX/XXXX, I received my first communication from a debt collection agency named GC Services Limited Partnership. This agency made claim that the XXXX XXXX  credit card account was referred to them. 

The actions taken and NOT taken by XXXX XXXX are a serious violation of the law. As a victim of Identity theft the law clearly states that once the proper documentation was provided to XXXX XXXX they are NOT supposed to sell or charge off the account. They did it anyway. AND they failed to provide ANY documentation in any of their communications to me to substantiate their investigation. Instead they provided their insight on what they think really happened when they KNOW that is NOT what the law requires them to do.
Consumer complaint received 2023-03-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

I have a membership and a rewards card with XXXX 's XXXX XXXX. At the end of XXXX, XXXX 's transitioned from using XXXX XXXX  to Capital One. We were told that all of our prior rewards unredeemed, and all purchases made in XXXX during the transition would earn rewards. Right now, the only rewards currently on my account are the rewards I earned on the Capital One account. My purchases on the XXXX 's account from XX/XX/XXXX - XX/XX/XXXX as documented on my first Capital One Statement were {$18000.00}. On my XXXX 's account, I took a screenshot on XX/XX/XXXX that shows my rewards earned fro XXXX, XXXX = {$2.00} and XXXX = {$19.00} ( These rewards tie back exactly to only purchases made after the transition to Capital One ). I am supposed to earn 5 % on XXXX 's purchases, 2 % on restaurants and 1 % on all other purchases. The breakdown of the total XXXX of purchases and associated rewards I should have earned from XXXX XXXX XX/XX/XXXX are as follows : XXXX XXXX Purchases {$160.00} @ 5 % = {$8.00} rewards Restaurant Purchases {$620.00} @ 2 % = {$12.00} rewards Other Purchases {$18000.00} @ 1 % = {$180.00} rewards Total rewards I should have earned for this time period is {$200.00} and as you can see above, the rewards available mentioned above were only {$21.00}. 

I called both Capital One who told me after multiple phone calls and forwards to other departments, that the XXXX 's membership team would have to resolve this. I was then connected to XXXX XXXX to whom I requested that the XXXX transition issue be reviewed, as well as the rewards I had earned and not redeemed that were not transitioned from XXXX. The response was the email below, as you can see they did not respond to my complaint. 

Dear XXXX, This is XXXX, from XXXX 's XXXX XXXX XXXX XXXX XXXX. 

Im sending you this email to provide the resolution related to your Rewards balance request, As our Rewards team sees your eligible spending for the time period from last year to till date is {$7500.00} At an X5 % earning is {$370.00} and our Rewards team see you have already received {$630.00} which means you been receiving the rewards correctly. 

I have screenshots of the XXXX credit card transactions above, as well as the rewards balance that I can share if necessary. Unfortunately, I was unable to get onto the XXXX  Site to calculate the unused reward balance which I estimate to be about {$80.00}. I would also like to state, that I had to make a complaint in the summer of XXXX because when XXXX  transitioned to a new system, I was only 1 % on my purchases. It took a couple months to get that fixed with your assistance, which I appreciated. But honestly, I don't feel either XXXX 's or XXXX  properly reinstated all of the rewards I was due.
Consumer complaint received 2020-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (OH)

On XX/XX/XXXX I purched a new car and was put on my fiance insurance. And was told that I had an accident on XX/XX/2017. I have never had a license or driven in my life. I called lexisNexis on the XXXX of XXXX to dispute the accident claim and was told that it happened to a person with the same name but opposite gender as me in a state I've never resided in. A month later I was informed that the dispute was denied due to my relation with someone I do not know. I have reopened the claim on XX/XX/XXXX and got denied again and reopend on XX/XX/XXXX and currently have not heard back.
Consumer complaint received 2023-01-11
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. (NJ)

Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating this disputes under MY NAME. This item is UNKNOWN to ME. I dont get why youre claiming this is fraudulent or of a high risk nature. The documents Ive provided are legit. This is mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information.

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 
XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2017 Balance : {$420.00}
Consumer complaint received 2024-03-19
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Central Portfolio Control Inc. (AZ)

I sent corresondence to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Central Portfolio Control and XXXX XXXX XXXX on XX/XX/2024 requesting that they remove these fraudulent accounts from my report due to identity theft. They have failed to respond or remove the accounts from my report.
Consumer complaint received 2021-08-17
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)

The Us department of education are in violation of u.s code -15 U.S. code 1681b -15 U.S. code 1681S -15 U.S. code 6802
Consumer complaint received 2021-05-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AR)

I XXXX I discovered that my account was locked. I couldn't log on to the online portal. When I called I was told there was potential fraudulent activity but no clear answer or direction as to what. They also stated that my checking and savings account would be frozen. They were unable to explain why. I'm not sure how they can lock everything with no notice even after attempting to communicate to the security team responsible for locking and unlocking accounts. They won't allow me to talk to that team but instead to talk to customer service. They said it could take up to three business days ( this occurred on Friday ) and I was not offered how to access my funds through the weekend to live.
Consumer complaint received 2021-04-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Good day- I have experienced bank fraud with Bank of america XXXX XXXX Branch by means of a female employee stealing my business bank card info after my bank visit, it's happened twice to date .. 

1st theft : i went into the branch XX/XX/XXXX noon appt to ask about banking monthly fees because it's a business acc ... the person that assisted me was new and didn't know what he was doing so he ask a female employee to help and she did ... ..5 days later XXXX/XXXX/XXXX i received an alert saying my business card was set up for recurring charge of {$2800.00} from a clothing store in ohio called XXXX ... .i immediately alerted BOA fraud dep to stop the transaction and investigate it ... .they did and found nothing said, the clothing store doesn't exist ... .my money was returned .... this employee is obviously a professional thief ... .. 

2nd theft : this time i was prepared for this female professional thief .... i went into the branch XX/XX/XXXX noon appt ... .to change my last name on my business account from XXXX to XXXX due to marriage ... ..once again the person assisting me is new so she ask the same female that stole from me the first time to help, and she was more than willing ... i left the bank just like before .... 5 days later XX/XX/XXXX my business credit card info was stolen and set up as a recurring charge for {$80.00} from the same place in Ohio .... but this time I caught it immediately because I expected it. I reported it and changed my card .... I was unable to request an internal investigation because the bank temporarily closed for 1 wk after my visit so the thief is still working there ... .i will go there when they reopen XXXX.to retrieve the thief 's full name ... if she stole from me twice she's doing it to other customers .... 

*****Bank of America info : XXXX XXXX XXXX XXXXXXXX XXXX XXXX florida XXXX # XXXX. 

XXXX My Info ... ..XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX i own the company XXXX XXXX ( XXXX XXXX ) ,,, XXXX cell
Consumer complaint received 2021-04-27
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: EQUIFAX, INC. (MA)

Hi and how are you doing? Although I appreciate XXXX XXXX getting back to me in regards to my previous dispute for a negative item or charge-off account reporting, but their investigation did not resolve my underlying issue. It's impossible that you verified this account because it continues to report the same errors, inconsistencies, with multiple inaccuracies, and different dates of last active and different dates of last payment. You mentioned that you sold my account back in XX/XX/2016 to a XXXX XXXX XXXX - a debt buyer, but no way on my account is showed that it was sold or transferred to them. I believe under the fcra guidelines if the account was sold/transferred it needs to show on my credit report so I can resolve it directly with them. You failed to conduct a reasonable and truthful investigation because it continues to report the same errors and violations as before i disputed.
Consumer complaint received 2023-01-11
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. (NJ)

Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating this disputes under MY NAME. This item is UNKNOWN to ME. I dont get why youre claiming this is fraudulent or of a high risk nature. The documents Ive provided are legit. This is mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 
XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2017 Balance : {$420.00}
Consumer complaint received 2024-03-19
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CCF Intermediate Holdings LLC (CA)

I received a letter from XXXX XXXX XXXX on XX/XX/2024 stating they were collecting a debt from Check into Cash. They stated that they would be filing a civil judgement including wage garnishment and/or lein against personal property or bank account, subpoena my husband and father, file a hard inquiry to credit bureaus. I contacted Check into Cash who stated I did not have any outstanding loans and nothing had been sent to a collections agency. They checked my name, social and maiden name under their business as well as their sister business Cash Central. There were not any loans that were actively being paid on, nothing pending and nothing that had an outstanding balance.
Consumer complaint received 2024-03-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC. (OH)

so my issue is with XXXX XXXX app the crypto currency the week of the XXXX my account was locked after i did XXXX deposit of XXXX $ then another deposit of XXXX XXXX making a total of XXXX $ after which my account was locked and been unable to withdraw my money since they blocked it, do then and i provided them my drivers liscense they sent me a message back that week saying cant verify the id. then i proceed to send my id again they say the same thing even though all the info matches. 

after all this comes around to the week of XX/XX/2024 they ask for my bank account information said i can send it on the app come to find out theirs no link on the app so i had to message them again they now sent me a link so i submitted the documents. 

it said decision will be done by the XX/XX/2024, now it says XX/XX/2024 overall i would like to be able to withdraw my XXXX $ i deposited into this app and being XXXX weeks without being able to even reverse the deposit of my money in which has been sitting in a frozen robin-hood account.