davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-18
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Incomm Holdings Inc. (CA)

XX/XX/year> XXXX XXXX I set up a password for a prepaid Visa debit card that I purchased at XXXX XXXX on XX/XX/XXXX on the XXXX website, XXXX The card had a value of {$500.00}. Within minutes of entering the card information and setting up the password, I discovered that {$500.00} had been fraudulently charged. At the same day XXXXXXXX XXXX I immediately called their customer service, provided them with my card number, and informed them about the fraudulent activity shortly after setting up the password. They informed me that they could only hold the {$500.00} and could not refuse the transaction. I requested them to decline the transaction and send me a new card, but they refused and insisted on holding the transaction. I find this very concerning as I am the cardholder, and my card was fraudulently charged very shortly after setting up the password. I also contacted their customer service within minutes of discovering the fraud. Why couldn't customer service refuse this transaction and refund me the {$500.00}? This company 's product is extremely insecure and offers no protection to cardholders. 
After my first call to their company, their customer service informed me that they could hold the fraudulent transaction. Then, I XXXX about incidents of card fraud involving this company and found that many people had been scammed. So, I made a second call, and the customer service representative who answered said : This fraudulent transaction has already been completed, which is completely fraudulent! Even when using a gift card on any website, payments usually take at least two days to process. How could it be completed in less than two hours? Moreover, I immediately called customer service within minutes of discovering the fraud to request the transaction be refused. 

I asked customer service why I wasn't provided with a tracking number so I could track the progress of the fraudulent activity. They said they didn't have one. After they hung up, I tried to log in to the company 's website again with my card number, but I couldn't log in anymore. 

I have the original purchase receipt and the shopping card as evidence. Initially, I am only sending a picture of the shopping card. If further images of the card number on the shopping card and the receipt are required, I can provide them immediately. I hope XXXX can resolve this fraudulent incident as soon as possible. Thank you. 

I requested the company to promptly mail me a {$500.00} check, as I am deeply disappointed with the security of their card. I can provide all original shopping receipts.
Consumer complaint received 2021-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I submitted a dispute on XX/XX/2021 for XXXX XXXX XXXX Account # XXXX but it was not given a proper investigation.
Consumer complaint received 2019-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have contacted re this inaccurate account listed on my report XXXX XXXX XXXX. I don't know why this information is continuing to be added to my report after deletions.
Consumer complaint received 2021-05-01
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TCF NATIONAL BANK (CA)

We opened a HELOC with TCF Bank in XX/XX/XXXX, secured by our primary residence. We sold said primary residence in XX/XX/XXXX, at which point the HELOC balance was paid off in full as part of the closing process. However, we are still being charged annual fees and the account has not been closed.
Consumer complaint received 2021-05-01
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. (PA)

I contacted this company 3 times disputing unverified and inaccurate information. They are not telling me how they are investigating or who does them.
Consumer complaint received 2020-12-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

I deposited a check for XXXX in our 5th3rd checking account on XXXX XXXX,2020.Our account was credited with {$3400.00}, an exchange rate of XXXXRecords Show the market rate to be XXXXOur account was shorted about $ XXXXThis fee is not acceptable.I would consider a transaction fee of say {$25.00} to be in the realm of reasonable!
Consumer complaint received 2021-06-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC (PA)

This original company was aware of identity theft due to my military status. After agreeing to REMOVE the negative debt since I never applied for it, they charged it off and the collection company continues to reage the debt resale and has damaged my militaryservice record and hurt my credit. The debt is NOT mine. I have requested copies of original contract, proof of legal right to collect and proof of verification method nothing has been given to me. They continue reporting this debt year after year knowing it is not mine and continue to make threads and damages my military record and my credit.
Consumer complaint received 2021-11-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (OK)

Fraudulent charges were made on my credit card. I contacted the credit card company, which closed the account and sent me a new card. The company determined the charges were fraudulent and took them off my statement, but an additional fraudulent charge was made on the new account. I contacted the company and this charge was also determined by them to be fraudulent and taken off the statement. The problem is that they charged me late fees for not paying the fraudulent charges. I have contacted them and asked them to remove the late fees. I can not find any language in my credit agreement that allows them to impose late fees on me for fraudulent charges to my account. They have acknowledged receipt of my complaint and assure me that it will be resolved yet they just imposed an additional late fee. My bill now totals {$XXXX}.
Consumer complaint received 2021-05-01
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

XX/XX/XXXX I paid XXXX XXXX XXXX {$1000.00} using Capital One credit card ending in XXXX for the trip to XXXX ( for myself and my friend ) for the following dates XX/XX/XXXX - XX/XX/XXXX. The travel agency ( XXXX ) canceled all the trips to XXXX because the country got closed due to the COVID19 pandemic. I contacted the owner of the travel agency, XXXX XXXX, who never responded to my numerous emails and phone calls. I planned to get the money back for the following reason - I paid for the service that had never been provided. Six months later she responded ( all correspondence was in XXXX since we both speak the same language ) that the company would provide a one-year credit, which we do not need since we will not be able to visit XXXX due to medial issues ; moreover, the country is still closed for US travellers. 
Then, I decided to dispute this transaction with the bank ( Capital One ). Unfortunately, they declined my request with the following explanation, " ... we are unable to assist with your claim because : We can only request a credit from a merchant if we can document how the merchant violated an operating guideline. '' I got two similar responses from Capital One : XX/XX/XXXX and XX/XX/XXXX ( the case number is XXXX ). 
I did not give up and tried to contact he owner of the travel agency, XXXX XXXX, who was ignoring my phone calls to XXXX and emails. 
The XXXX agent recommended I contact you to further assist me with this dispute - I will reiterate : I paid for the service that has not been provided and due to the pandemic issues world-wide in general and in XXXX in particular, I do not plan to visit XXXX. 
Please assist me to get the money back.
Consumer complaint received 2020-12-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (VA)

Midland Funding LLC took on the debt I owed to XXXX XXXX XXXX  in XXXX. At that time I had enrolled in a debt relief program with XXXX XXXX XXXX and this debt was one of the accounts managed by XXXX XXXX XXXX. In XX/XX/XXXX a Warrant In Debt was filed against me by Midland Funding LLC. I was represented by XXXX XXXX XXXX and a settlement agreement was negotiated and agreed to. 

The Stipulation of Settlement stated the Defendant will pay Plaintiff a total of {$110000.00} in satisfaction of the debt owed with an initial payment of {$95.00} by XX/XX/XXXX and 10 monthly payments beginning on XX/XX/XXXX with a final payment of {$95.00} on XX/XX/XXXX. It states that upon payment of the Settlement Amount, Defendant will be considered released from all causes of action and claims we have in connection with the account referenced in the agreement. It also states that once the signed stipulation is returned to the Plaintiff and the first payment as agreed upon is received by Plaintiff, Plaintiff will dismiss the case without prejudice. 

This debt was paid in full in XX/XX/XXXX. The final payment was mailed XX/XX/XXXX by XXXX XXXX XXXX and Midland Funding LLC showed it processed XX/XX/XXXX. As of XX/XX/XXXX this debt is still being reported as an open account and that {$540.00} is the remaining balance on the account. Also, the case was never dismissed per the terms of the stipulation agreement when the first payment was made in XX/XX/XXXX. 

I have tried to contact Midland Funding LLC regarding this issue. At one point I was told an amount of {$150.00} was owed on the account. I informed them that the account was paid in full and the amount that was being reported on my credit report was {$540.00}. I was then told to contact a different department to resolve the issue, which I did. After speaking with several people in that department, I'm told they can not speak to me due to a " do not contact '' order on the account placed by XXXX XXXX XXXX. I've tried to explain that the account is paid in full and they need to clear the matter up on their end, but they are unwilling to help me. I have sent them an XXXX revoke letter from XXXX XXXX XXXX and I'm hoping that will help, but I feel I shouldn't have to go through any more steps or processes with them since they have all the documentation regarding the stipulation agreement and the account was paid in full in XX/XX/XXXX. As of this writing, they have not met their side of the agreement in any form, beginning with dismissing the case once they received the first payment as outlined in the stipulation agreement. 

With this complaint, I am attaching a copy of the stipulation agreement I received from XXXX XXXX XXXX, a copy of the payments made by XXXX XXXX XXXX to Midland Funding LLC as provided from the account ledger, a copy of the account information from the Midland Funding website showing where the payments were posted to the account, and a copy of the XXXX Revoke letter from XXXX XXXX XXXX.
Consumer complaint received 2019-08-22
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: NAVY FEDERAL CREDIT UNION (VA)

On XX/XX/19 I placed an online order with company XXXX XXXX XXXX XXXX California. This order was for a regularly stocked motorcycle part, and should have shipped within 30 days. This order was placed with a Navy Federal Credit Union credit card. The purchase price was {$1300.00} After receiving no shipping information for over 30 days, I contacted XXXX XXXX on XX/XX/19 via email and did not receive a response. After another email was sent on XX/XX/19, I was told my order would be shipping XX/XX/19. After failed attempts to contact the seller after this date, I canceled my order on XX/XX/19. The owner of XXXX XXXX informed me the refund should be visible on my Navy Federal Credit Card within 2-3 business days. 

No refund was received, and I started the dispute process with Navy Federal Credit Union. I provided copies of emails from the merchant, where he explained in writing my order had been cancelled. A temporary credit was issued by Navy Federal Credit Union. On XX/XX/19 I received a letter from Navy Federal Credit Union informing me that no billing error occurred and I would still be responsible for the charges of {$1300.00}. 

There have been several XXXX complaints filed against XXXX XXXX for similar issues with no resolution from the Company. 

It is unfortunate that Navy Federal has chosen not to protect its members from fraud.
Consumer complaint received 2021-06-23
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: First Direct Mediation (FL)

Someone named XXXX called. He did not say which company he worked for. He stated this is a final attempt to complete processing paperwork. He said due to my negligence in responding, I will be reported as non-compliant. 
He never mentioned who the debt collector is or the amount of the so called debt. 
I do not have outstanding debts. All of my credit cards are current. This person is harassing me and my family as well. Apparently, he is calling anyone with my last name or anyone who is connected to me. My former mother in law, my sister and brother-in-law, my ex-husband. This is harassment for a fictional debt.
Consumer complaint received 2019-08-22
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. (NC)

Last time I checked, companies are supposed to inform me before putting negative information on my credit report. Besides the fact that I have no idea who the company below is, this company has just put stuff on my credit report without even warning me about it.I ask that get rid of this information as soon as possible and notify me when you do this so I can go ahead and apply for the things I have to apply for.. Delete 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 XXXX, XXXX XXXX, XXXX XXXX XXXX,
Consumer complaint received 2023-02-24
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. (CT)

XXXX doing business as XXXX XXXX XXXX XXXX  reported a fraudulent account number of XXXX on my credit report and I did not sign nor authorize this. There is an active dispute with them since XX/XX/22 as well as a cease-and-desist letter, but they are still reporting inaccurate, unverified information while the dispute is active. I have asked for validation several times and they refused to validate their alleged claim. I asked them to show authority to collect and proof I owe a debt. They have not proved that either.
Consumer complaint received 2020-12-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NY)

As per Complaint # XXXX submitted to your agency on XXXX ( and was closed by your agency ). " Mr. Cooper continues to manipulate my monthly payments regardless of any past intervention from your agency. My monthly payment dated XX/XX/2020was again not applied as I wanted. My regular payment and extra principal was applied fully to the principal of my mortgage. I can not afford to have my monthly payments applied in this manner. It is obvious Mr. Cooper does not find your agency to be a credible protection agency for consumers. I respectfully request that you transfer my complaints to a state or federal agency if your investigation ( s ) do not provide any fruitful results. Thankyou!
Consumer complaint received 2021-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

Equifax. com and myequifax.com do not allow me to log in to my account if I don't pay them, when it is free to access, they blocked my account to have access to it, even the basic feature they block me using it such as freezing lock and unlock my credit report, and they only let me access to my credit report or have online access to lock and unlock my credit, only when I pay them monthly membership. I have sent in mails 8 times to verify my identity and they still dont give me free access unless I pay
Consumer complaint received 2019-08-22
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (GA)

THE CONTRACT OF THE LEASE TERM WAS TERMINATED WITH FULL PAYMENT, HOWEVER, THEY ARE STILL REPORTED ON MY CREDIT REPORT AS TOADY, ACCOUNT IS STILL OPENED, WHICH IS ILLEGAL FOR A DEALER TO REPORT A LEASE OF TERMINATION ON SOMEONE CREDIT REPORT, IF THIS ACCOUNT DOES NOT REMOVED IN THE THE 72 HOURS, I WILL SEEKING LEGAL ACTION ON THE SECTION 603.
Consumer complaint received 2019-08-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Hunt & Henriques (CA)

On XX/XX/2015 I was granted a Chapter XXXX discharge of debt from the U.S. Bankruptcy Court, XXXX District of California which included two judgments awarded to XXXX XXXX and their subsidiary XXXX along with their collection agents XXXX XXXX XXXX and XXXX XXXX ; specifically, Case No. XXXX ) & (  XXXX XXXX. XXXX ). XXXX, XXXX and XXXX complied with the court order and removed the debts from my credit profile but XXXX XXXX and Hunt & Henriques did not and failed to release the liens they placed on my property despite having been notified by the court via First Class Mail and electronic transmission in XXXX of 2015. 

XXXX XXXX and Hunt & Henriques have and continue to abdicating their duty to me and the U.S. bankruptcy court despite multiple ( FAX ) requests from XXXX XXXX XXXX of XXXX, XXXX Processing and XXXX XXXX XXXX requesting compliance with the court order and release the liens. It has become clear that neither XXXX XXXX nor Hunt & Henriques have any intention to release the liens on my property so I respectfully request the CFPB to intervene to the fullest extent possible.
Consumer complaint received 2021-10-12
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Alliant Capital Management LLC (CA)

Receiving weekly voice messages from caller stating she is XXXX XXXX attempting to find location information about XXXX XXXX, call back # is XXXX, extention XXXX. This problem apparently is occurring with my tenants whom share the same address. We do not know this XXXX XXXX person nor have any association with this company. Obviously this company is utilizing open source searches to connect anyone whom may have nexus to the debitor, and keep on contacting unrelated persons until they find Ms. XXXX. 

Attempts to contact the phone number provided, they ignored our request to remove our number from their calling list, these phone calls & voice-mails continue. Last contact was yesterday, XXXX, at XXXX. A search of XXXX came back to Alliant Capital Management, a debt collection agency. Caller ID shows these calls are from XXXX.
Consumer complaint received 2020-12-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (AZ)

This will be a third complaint against Chase Bank. 
I wanted to add another complaint to my previous complaints in regards to the closure of my bank account with no notice prior to being lock out onXX/XX/2020. 
I was also at my local bank located at XXXX XXXX State Route XXXX, XXXX XXXX on XXXX denied my remaining balance. When I went into the bank the refused me my funds which I stated in an earlier complaint. The additional complaint is now in regard 's to the follow up call XXXX I had from Chase in which XXXX a chase representative ( XXXX Ex XXXX ) in regard 's to my first XXXX complaint in which she told me my local bank should not have denied me my funds when I went into the Bank to receive them and that she would investigate. 

This still does not give me any access to my funds. When asked when I would have access she would not give me a time frame. I would think in a national pandemic regarding banking during this time it would be unheard of to deny me my funds at the bank. 
I have medical issues going on and I am in the middle of being seen for heath issues. I now can not see doctors because the Bank refused me my funds and I only have a Chased debit and credit card. I don't no all the laws requiring this with Covid19 with Banks. 

See other XXXX complaints for full details. 
Case # XXXX, # XXXX 1. Investigation into best practices within Chase. 
2. Reinstatement of my bank account and any damage done to my credit if done by Chase.

3. Damages for loss of business and suffering.

4. Audit of local bank for refusal of my funds on XXXX 5. Funds immediately available. 
6 .Explanation and apology 7. Copies of my complaints with Chase made available to me- local bank and on phone have refused me these. 
8. Bank statements of my account from the beginning of when I opened my account made available to me.
Consumer complaint received 2020-01-21
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. (UT)

XXXX XXXX XXXX # XXXX is reporting a fraudulent account to my credit report. I did not open this account, someone else opened it in my name and got it charged off. I have never opened an account with XXXX XXXX XXXX  and this is not my account. I need this removed off my credit report.