davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Avant Holding Company, Inc. (CT)

Received a new card in the mail that required activation. Started trying to activate this new card in XXXX. The card will not activate to make purchases. Have called the company numerous times. A ticket was finally submitted for review and should have been resolved on XXXX. It's XXXX and it's still not resolved. Called again today and was told they would submit another ticket which would then take another 10 days to resolved. 

Asked to speak to a supervisor, shockingly no one was available. Card is still not activated for purchases.
Consumer complaint received 2018-08-04
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. (GA)

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. Bankruptcy Dismissed Ch XXXX Acct XXXX, XXXX, XXXX ( XXXX, Equifax and XXXX ), XXXX XXXX Acct XXXX ( Equifax, XXXX, XXXX  ), XXXX XXXX Acct XXXX ( XXXX, Equifax, XXXX  ), XXXX  XXXX Acct XXXX ( Equifax ), XXXX XXXX Acct XXXX ( Equifax ), XXXX XXXX Acct XXXX ( XXXX ), XXXX XXXX Acct XXXX ( equifax, XXXX  ).
Consumer complaint received 2018-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (MD)

XXXX XXXX XXXX  ( XXXX ) has placed erroneous information on my Credit report. The Co-signed l

oans that were included in my Bankruptcy was changed to " Charge Off ''. I have provided proof that those loans were included in the Bankruptcy. The Bankruptcy was discharged on XX/XX/XXXX - which is why the loans for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX were included. XXXX fraudulently changed the accurate information. I would like a copy of the " Discharged Debtor '' report that was supposedly sent to NCT in Yr. XX/XX/XXXX.
Consumer complaint received 2022-09-27
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: CCF Intermediate Holdings LLC (OH)

This collections account is being reported as an OPEN ACCOUNT which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. I will need to be provided a copy of my report once its deleted and updated, I do not have any open accounts with this company.
Consumer complaint received 2017-01-25
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: Neon Newco Corporation (TX)

I made a purchase at XXXX using my netspend visa card ( prepaid debit ). XXXX service was poor and caused lots of confusion regarding payment and shipping. My account was fine and the money balance was sufficient. My account reflected that the total amount of the purchase was being held/pending. 

After no activity for a while I decided to check the account. Once checking I could see that XXXX somehow never took their money ( weeks later ). At the time my account was negative XXXX $ and some change. Netspend deducts their account fees and then takes the money when I direct deposit. 


My problem is that my account was already in the negative for weeks and from my understanding XXXX dollars is the negative limit for my prepaid account ... I did n't opt in for overdraft .... 

They gave me some story about 'force payment '' ... My point is I did n't have ANY MONEY in the account and it was already negative .... Y did they let my account go XXXX $ in the negative.. It 's pre paid card ... No money means no money ... 
Plus the rules that come with card says nothing about " forced payments '' and they said they had no paper work or inform for me about the " forced payment policy " XXXX ...
Consumer complaint received 2019-03-29
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Westlake Services, LLC (NJ)

A conflict hapoened when the dealer decided not to deduct the down payment of XXXX dollar. I took the loan on XX/XX/2014. They took the car and sold it in an auction. Yet they still demand money.
Consumer complaint received 2015-10-26
Product: Debt collection — Non-federal student loan
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: AES/PHEAA (PA)

I received correspondence from XXXX XXXX XXXX on XX/XX/XXXX stating that I need to fill out a form of interrogatories. It is in regards to a debt that I won a judgment on XX/XX/XXXX. I was the defendant in the case and there was a judgment for the defendant entered. the plaintiff filed a civil appeal that I never received any notice of the appeal. XXXX is trying to collect on an invalid debt by representing and threatening to take legal action on the case.
Consumer complaint received 2022-06-06
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. (VA)

In accordance with the Fair Credit Reporting act XXXX  Acct # XXXX, XXXX  Acct # XXXX, XXXX Acct XXXX XXXX, XXXX  XXXX Acct # XXXX, XXXX Acct # 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 an account without my written instructions
Consumer complaint received 2021-06-09
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: CASHCALL, INC. (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2022-12-08
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: AMERICAN HONDA FINANCE CORP (IL)

To whom it may concern : In accordance with the fair credit reporting act, this creditor ( American Honda Finance ) has violated my rights under 15 USC1681 section 602 states I have the right to privacy.15 USC 1681 section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2015-08-19
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (VA)

Citi has a robo caller that calls my home number XXXX times per day. Trying to collect from someone that has n't lived here in over 5 years. 
The robo caller has no option for me to inform them that they are calling the wrong number. 
This occured two months ago, and I contacted a manager at Citi customer service and informed them that the person they were looking for does not live here. The manager informed me that they would stop calling.
Consumer complaint received 2020-12-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (CO)

My mortgage was transferred from The Money Source Inc. to XXXX XXXX on XX/XX/2020. 

Prior to this I made two payments to The Money Source Inc. : {$50.00} on XX/XX/2020 and {$2500.00} on XX/XX/2020. The Money Source Inc. never applied these payments to my loan, and transferred the full outstanding balance to the new servicer. 

I reached out to The Money Source Inc. over the phone on XX/XX/2020 and was guaranteed they would resolve this by XX/XX/2020. I called on XX/XX/2020 and was guaranteed a call-back the same day from a supervisor. I called on XX/XX/2020 and was hung up on. 

I have been accruing interest on this unapplied payment since XX/XX/2020, and had to pay the new servicer so I would not be in arrears. They still have not provided me my funds, nor provided information on resolution.
Consumer complaint received 2022-09-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (MN)

XXXX, XXXX and XXXX credit bureaus are selling my name, address and other confidential information to creditors and allowing them to validate and report false information to my credit reports over and over again. I hired an attorney to assist with getting negative, fraudulent debt in my name removed from my credit report only for the same information to be reported again months later by different vendors but same debt information that doesn't belong to me. I've reported it to all three credit bureaus to no avail. 

Example : Fraudulent Debt Showing on XXXX and XXXX XXXX XXXX XXXX XXXX amount {$480.00} removed XXXX 20222 after dispute however purchased by new company XXXX XXXX amount {$480.00} and added back to credit report as XXXX 2022 XXXX XXXX XXXX acct XXXX amount {$800.00} removed XXXX 2022 after dispute however purchased by new company XXXX XXXX amount {$800.00} and added back to credit report as XXXX 2022 XXXX XXXX XXXX acct XXXX amount {$1000.00} removed back in XX/XX/2022 and added back in XX/XX/ 2022 this is fraud XXXX XXXX XXXX acct XXXX amount {$220.00} removed back in XXXX2022 and added back in XX/XX/2022 this is fraud. 
I have attempted to contact these companies to validate debt to no avail. Information in credit report in dead phone numbers and bogus addresses.
Consumer complaint received 2018-10-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PNC Bank N.A. (OH)

I continue to receive calls from what is listed as XXXX XXXX - Debt Collector at XXXX. These calls have come off and on for over two years. The latest calls came at XXXX and XXXX XXXX on XXXX XXXX, XXXX XXXX on XXXX XXXX, and XXXX XXXX at XXXX XXXX. The caller claims to be looking for an XXXX XXXX. I have informed them on several occasions that I do not know an XXXX XXXX, that this phone is registered on the Do Not Call list, and that I do not desire any more phone calls from them. I further informed them that
Consumer complaint received 2022-09-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: TD BANK US HOLDING COMPANY (FL)

IM CURRENTLY LOOKING INTO PURCHASING A HOME AND I CHECKED MY CREDIT REPORT AND NOTICED I WAS ADDED AS A AUTHORIZED USER ON A TD CREDIT CARD , I THEN CONTACTED TD CUSTOMER SERVICE AND STATED I HAD NO KNOWLEDGE OF BEING ADDED ONTO ANY TD CREDIT ACCOUNTS , THEY NOTIFIED ME TO GO TO MY TD BANK BRANCH TO BRING IDENTIFICATION TO VERIFY MYSELF I DID AND THEY STILL COULDNT PULL UP TD PROFILE FOR ME SO THEY THEN STATED I SHOULD SEND A LETTER ALONG WIT COPY OF MY LICENSE TO TD XXXX SERVICES IN COLUMBIA SC WHICH I DID AND I STILL HAVENT GOTTEN THE ACCOUNT REMOVED OFF MY XXXX OR XXXX CREDIT REPORT 


BELOW IS A IMAGE OF XXXX CERTIFIED FIRST CLASS MAIL TRACKING # AND RECIEPT FOR THE 2 TIMES I MAILED OFF THE INFO TO TD XXXX CARD SERVICES XXXX XXXX XXXX XXXX  SC
Consumer complaint received 2021-11-04
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. (IL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation
Consumer complaint received 2022-09-27
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. (MD)

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

XXXX  XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX  Acc. # XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acc. # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX Acc. # XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX 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 that a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C. 1681c ( a ) ( 5 ) - Section states : No consumer reporting agency may make any consumer report containing of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( a ) ( 1 ) - A person shall not furnish any information relating to a consumer to any consumer reporting agency, if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-05-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CA)

On XX/XX/2018, I deposited {$200.00} into coinbase by purchasing ETH from them these funds were not made available to me. When I tried to send them to another wallet they didn't transfer. I was told that within 30 days if the transaction is not delivered it would return to my account. Later, when I contacted Coinbase customer support again after 30 days, they said the digital Cryptocurrency couldn't be refunded due to its technology. 

The {$200.00} I deposited into Coinbase is gone and the money wasn't delivered to any address. It just disappeared. 
For reference case # XXXX.
Consumer complaint received 2021-02-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (PA)

I opened an account with XXXX.I wanted to buy XXXX dollars of XXXX stock.. they withdrew the XXXX from my account on XX/XX/2021 and I have not be able to access my account for three weeks. I called and email over 20 times and neve got a response.
Consumer complaint received 2022-09-27
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. (VA)

In accordance with Fair Credit Act, XXXX XXXX XXXX act ending XXXX, XXXX, XXXX and Equifax has violated my rights. Under [ 15 USC, 1681 ], section 602 states I have the right to privacy. Under [ 15 USC, 1681 ], 604 ( A ), section 2, says A consumer reporting agency can not furnish an account without my written instructions. Under [ 15USC, 1666 ( B ) ], A creditor may not treat a payment account under an opened and consumer credit plan as late for any purpose.
Consumer complaint received 2022-06-06
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. (MA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-09-27
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2021-11-04
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: JPMORGAN CHASE & CO. (FL)

On approximately XXXX, I applied for a Chase Freedom Unlimited credit card through the Chase app. Chase advertised and continues to advertise 5 % cash back on grocery purchases for new cardholders. 
After applying, I received notice from Chase to contact them to complete the application by phone as soon as I was able to temporarily lift one of my credit freezes. I did so. At the same time, with the same phone rep, I closed my Chase AARP Visa. I received the new cards shortly thereafter. 
On XXXX, at the end of the first billing cycle, I saw that I was not credited with the 5 % promotional cash back. I contacted Chase and spoke to several people who could not understand why I was not receiving the correct cash back incentive. One supervisor even adjusted my balance to make up for the shortfall during the first billing cycle as she " escalated '' the complaint. 
The escalation and/or correction of the issue has been denied now at least three times. I have spoken in person, over the phone, and through several emails with a XXXX Chase branch associate XXXX XXXX XXXX XXXX ) XXXX who initiated a branch escalation which was also denied. XXXX is also dumbfounded as to why I have been denied the advertised offer. 
XXXX, of the Chase Escalation Department ( I'm sure they have another name for it ), told me on XX/XX/XXXX that the marketing department denied my claim again. 
The closest anyone has come to possibly explaining the issue was an unknown Chase employee subject at the other end of XXXX XXXX  who said he believes I applied through the wrong portal. The original portal was the Chase app. The error may have occured with the person I talked to after lifting the freeze. Regardless, the offer was in effect before, during, and after I applied, and it is still an offer today. My greatest concern is for the elderly and others struggling financially who may have thought they were getting a good deal and did not in fact receive what was advertised to them. Many of these people more than likely assumed they were getting what was promised but really have no idea. They trust what a company like Chase tells them but fail to verify, just as many people really don't look too closely at their utility bills. 
If you have the ability to correct this issue, I appreciate it. I have a feeling if I am experiencing Chase 's " glitch, '' many others are too. If Chase is unaware, that's one thing. Now that they've been made aware, refusing to address the problem and correct it entails culpability. 
This is not a money issue for me. As of this date, Chase only owes me {$49.00} after three billing cycles ( remember, one supervisor already credited me the difference after the first billing cycle ). This issue is about honesty, truth in advertising, fulfilling obligations, and treating customers fairly.
Consumer complaint received 2022-09-27
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: SYNCHRONY FINANCIAL (AZ)

According to the credit reporting act these creditors have violated my rights under 15ufc1681 section 602 states that I have the right of privacy 15ufc1681A section 2 also states a consumer can not furnish an account with out my written instructions under 15ufc1666b the creditors may not treat payment on a credit card account under an open consumer credit plan as late for any purpose
Consumer complaint received 2018-12-19
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. (FL)

I called Equifax to discuss an item that needs to be removed but they said they could not find my file?? How is that possible? Its affecting my score! they had me on hold for 2 hours ...
Consumer complaint received 2022-09-27
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: CITIBANK, N.A. (WA)

I opened a dispute with Citi several months ago. Dispute number XXXX. They said they conditional credit applied, but it was not applied. They said " this case will close no later than XX/XX/2022 ''. Today is XX/XX/2022, and its still on going.
Consumer complaint received 2015-07-24
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: Bliksum, LLC (CA)

I am approximately 1 week late on a loan from Loan Me and they have consistently called me at least 6 to 8 times per day since XXXX XXXX from various phone numbers. I have emailed their representative advising him that I lost my job and need some time to contact them by the end if next week to make a payment arrangement. These collection calls are very aggressive and predatory. 
I do not know how to stop them from calling my phone all day and night!!
Consumer complaint received 2022-09-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BMO Bank, N.A. (NY)

When I open ( beginning of XXXX, this year ) credit card with this company, they promised to pay me {$200.00} cash back bonus if I spend {$2000.00} within first 3 months. I reached this in the beginning of XXXX, but still don't have advertised money. ( See screen shot ). 
Please help me to get my money.
Consumer complaint received 2022-09-27
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: CAPITAL ONE FINANCIAL CORPORATION (MN)

My Capital One charged off account was paid off in XX/XX/2022. Capital One is still showing 1 payments recently late after the charge off occurred on XXXX. This is happening several times now and it never seems to get fixed. Please investigate why Capital One and XXXX can not get this right. We have gone back and forth many times. Thanks
Consumer complaint received 2018-05-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (TX)

XXXX XXXX XXXX is trying to collect a debt that is not mine. This is a result of identity theft and not mine, I have never had XXXX or cable service at all ... Please check your records and remove from my credit profile or I will have no option but to handle this in small claims court.