davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-04
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: CARD Corporation (KY)

On XX/XX/2022, I got a text for a charge of {$1700.00}, {$2500.00}, and {$70.00} all in XXXX Ky. I live in XXXX XXXX Ky and at this time I was laying in bed sick. I reported my card lost or stolen, had the card canceled, and waited for the transaction to post before contacting Card to dispute these charges. I got a hold of them Monday to dispute these charges where my tax money was taken. I then got letters in the mail for a XXXX XXXX who I have NO CLUE who this person, but try to buy a car with my card. Now, mind you every time I call a premium card I have to give my name Social security, address, last four, and so on, but on this day XX/XX/XXXX NONE of that matter because my money was taken and wasn't given back. They keep denying this case but won't send me where they get their information from. Because of this company I lost my home and my car because they allowed money to be used that went elsewhere.
Consumer complaint received 2022-09-23
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Neon Newco Corporation (TX)

I have spoke multiple representatives representatives about activating a netspend XXXX debit card I purchased and loaded money onto. On each and every call the representatives would not help nor give me any information till finally onXXXX representative told me that I had a Netspend XXXX XXXX account that was negative and I explained and over that, that account was not mind but instead of giving me to a fraud representative to make a report they kept sending me back to the automated system which made me put in the current XXXX debit card I purchased and then sending me back to another representative all over again this happen about 12-15 times. Everyone of them said I cant help you and refused to get me to a department to discuss or file a fraud claim on whatever the Netspend XXXX XXXX account they are saying is mine. They were unprofessional and at times transferred me just because they didn't want to deal with the situation. 
I spoke with an agent XXXX who refused to provide myself with his information to make a complaint against him or the many other representatives of Netspend. 
I was told I'm not eligible for a Netspend due to the fact that there is a negative and that is a negative account that I didn't open.
Consumer complaint received 2022-07-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Affirm Holdings, Inc (FL)

In XXXX someone was accessing my computer remotely, someone called me and stated that my computer had a virus and they need to access my computer do remove the virus for XXXX. When they accessed my computer remotely they made purchases without my consent or knowledge. They made a purchase through XXXX for more than XXXX which AFFIRM paid it in full, and sent the items to another state. I dont know how this happen, but i update my passwords and got another computer... 

I contact XXXX, and they told me they refuse to help me, and told me to contact AFFIRM, i contacted AFFIRM and they said i was liable for the merchandise. Even though my account were compromised. 

Its not fair that i was hacked and made a police report and contacted both companies to stop the shipping when i noticed it. 

Only to be held liable XXXX Order number XXXX AFFRIM LOAN ID : XXXX
Consumer complaint received 2022-09-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Allen & Withrow (OK)

On XXXX i received a notice via mail from Allen & Withrow, Attorneys at Law that I owed a debt of {XXXX XXXX XXXX XXXX  They presented incorrect information on the notice. The letter date they have listed is XX/XX/2022. They also stated that I had to write to them by XXXX otherwise they would assume the debt is valid and continue their collection efforts. It is very concerning that I am just now receiving this notice on XXXX after the date that they said I needed to respond. I feel like they purposely delayed sending this until well after XXXX so they could make it appear that I did not respond within that timeframe so they could continue with their collection efforts. The letter we received on XXXX is the first and only time we have heard from this law office. The reference number listed on the letter is XXXX. The XXXXXXXX XXXX XXXX XXXX XXXX. I have attached the letter that was sent as well as confirmation from USPS on when the letter was out for delivery.
Consumer complaint received 2022-09-23
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. (MD)

In accordance with the fair credit Reporting act the XXXX XXXX XXXX violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section A 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-09-23
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. (MD)

In accordance with the fair credit Reporting XXXX XXXX XXXXhas violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section A 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-07-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: DISCOVER BANK (KY)

On XX/XX/XXXX at XXXX pm, the Discover Bank sent me an email stating that they were writing to let me know that they noticed unusual activity on my checking account ; and they had suspended access to my checking and savings account after I submitted a transfer of my own funds. They tried to block my own funds from transferring. On XX/XX/XXXX, and XX/XX/XXXX, I received an email from XXXX, and CFPB, about the responce letter from the XXXX XXXX XXXX XXXX XXXX stating that on XX/XX/2022 that they had completed an additional review of my accounts ; and at that time the freeze was lifted, and the decision to close my account was overturned. On XX/XX/XXXX, I spoken to the security team about the situation of why my account was frozen. An after further review, she stated that what caused my account to freeze was I canceled my transfer. I asked her how can my account cause suspicious activity when I don't have access to a debit card? And after having a complete review, the freeze was lifted. During the evening time, I got tired of the situation ; it was stressful for my work and time, that I decided to call the customer representative to request to close my account. As the customer service representative seen that my checking and savings account was in good standing, for some reason, he stated that he could not close my account, and then transferred me to the security team. That kind of sounded suspicious because normally a customer service representative has authority to close accounts if you ask. To clear the rest of my own funds from my checking and savings, I transferred from my savings to my checking and scheduled a transfer. A few minutes later when I logged back into my account, it was frozen. There was a message inside my account that stated " please contact the customer service immediately regarding your bank Discover account. We routinely monitor account information and transactions, and have identified unusual activity on your account, for accounts with unusual activity are not displayed. Please contact customer service. '' The call volume was so high between 2 to 3 hours of waiting time. Everyone on social media, and all over the internet were complaining about the same problem. I like to request my funds, and wish to close my account in good standing.
Consumer complaint received 2022-12-04
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (PA)

I opened a samclub card in XX/XX/2022. I used it and charged XXXX and then paid it in full before the due date. I finally get my card amd went to use it amd them told my account was closes. I have had synchrony cards in the past and they are known fir this action. Thy will just randomly close your cards saying you are a risk of not paying. Funny how can you be a risk of not paying when you are paying your bills on time. I have seen this complaint on different complaint boards but this time I wanted to put the complaint in on my own.
Consumer complaint received 2022-07-03
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. (TX)

in accordance with the fair credit act, XXXX XXXX XXXX account # XXXX and account # XXXX type of account collections, XXXX XXXX XXXX # XXXX type of account revolving, the following inquiries : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX , has violated my rights 15 U.S.C1681 section 602 A states I have the right to privacy 1 15 U.S.C section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions Also the collections failed to be validated by debt collection agency/ original creditor
Consumer complaint received 2022-09-23
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. (IL)

Ive identified accounts and inquiries on my consumer report as a result of identity theft. These items are not related to any transactions made by me. Ive tried to contact the companies directly to no avail. Attached you will find the FTC report, my consumer statement, and my identification proving my identity.
Consumer complaint received 2022-09-23
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: CL Holdings LLC (FL)

In accordance with the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality un 15 U.S.C. 1681 List of accounts : Jefferson Capital Systems- Account # XXXX XXXX XXXX account # XXXX Jefferson Captial Systems- Account # 1903 According to 15 U.S. code 1681d. ( b ) ( b ) DISCLOSURE ON REQUEST OF NATURE AND SCOPE OF INVESTIGATION Any person who procures or causes to be prepared an investigative consumer report on any consumer shall, upon written request made by the consumer within a reasonable period of time after the receipt by him of the disclosure required by subsection ( a ) ( 1 ), make a complete and accurate disclosure of the nature and scope of the investigation requested. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than five days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is the later.

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.

15 U.S.C. 1681C. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any 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 2022-07-03
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. (NY)

n accordance with the fair credit reporting act XXXX  XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section62 A. States I have the right to privacy.

15 U, S, C 1681 Section 64 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-07-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

A listing was posted on XXXX marketplace for a rental. During communication with the supposed landlord, I was asked to send a partial deposit in order to get access to see the room. I sent multiple payments through XXXX as a result. After realizing I was scammed I asked Chase bank to reverse the charges but they claim they couldnt recover the money.
Consumer complaint received 2022-12-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

XX/XX/2022 at XXXX My car was broke into and I had my SSN, my driver license, and passport. Theft took all my belongings and had my debit card. Theft went to a nearest atm and withdrawn XXXX. 


I made a call to Wells Fargo and asked to replace my cards. I asked to dispute XXXX. I submit my police report, and my documents. I told them that I had video recording of theft breaking into my car. Bank said they cant do anything about it. ATM has cameras and I asked why cant they use their camera to detect the person and they do is deny me.
Consumer complaint received 2022-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Carter-Young, Inc. (TN)

I have proof that XXXX XXXX and XXXX should be off my credit report. I have a screenshot proving the Comenity account was paid off. I have a screenshot showing XXXX XXXX was taken off my credit. Both screenshots are from XXXX and XXXX sites themselves. Now Im fighting to get this off my credit again. The credit agencies are not doing their jobs. These companies are not validating this debt. Im getting tired.
Consumer complaint received 2022-07-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (CA)

As a XXXX citizen, I am requesting that {$1000.00} that was fraudulently XXXX XXXX XXXX from my account. US Bank is aware of how customer 's accounts are being compromise. I filed a complaint on XX/XX/2022 pertaining to US Bank. I will continue to file complaints until I receive the {$1000.00}. I will file a class action law, so other seniors and US Bank customers can join in the lawsuit. 

Again, XX/XX/2022, I received a call from US Bank per my caller ID. The caller stated my account was compromised and {$3000.00} was stolen from my account. In order to received the funds back, the caller stated that I had to XXXX ' the money back to a certain person per instruction from the " US Bank '' employee. I XXXX ' {$1000.00} and when I noticed that the money was not going back to my account I hung up and called US Bank. Immediately, I filed a dispute. Subsequently, I was denied several times. 

When researching scams and fraud, I noticed the below statement on US Bank website. The paragraph from their website is the exact scenario that occurred to me. Again, I must say that US Bank is aware that their customers are being " ripoff. '' The paragraph below is my proof. I am requesting the {$1000.00} that was " XXXX '' from my account. 

XXXX XXXX are fraudsters who reach out to you by phone instead of email. Theyre after the same thing as phishers your confidential banking information. Fraudsters can spoof caller ID to make it look like a call is actually originating from U.S. Bank. So how can you tell whether a caller is the real deal? 

Its simple. U.S. Bank will never call you and ask you for your account numbers, Personal Identification Numbers ( PINS ), or any confidential information. Do not provide any confidential information over the phone unless you initiated the phone call. Hang up and call U.S. Bank at XXXX if you suspect fraud. Call XXXX ( XXXX ) for all other customer service concerns.
Consumer complaint received 2022-09-23
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. (MD)

In accordance with the fair credit Reporting XXXX XXXX XXXX violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section A 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-09-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (IL)

On or around XX/XX/22 I noticed a strange charge on my XXXX XXXX credit card from a place called XXXX in the amount of {$20.00}. I promptly disputed it. Barclays, who manages the card, credited me and i thought that was the end of. I was told my card would be closed and a new one would be sent. When i got the card about 2 weeks later, it was the wrong one! Right company, wrong card number. One XX/XX/22 I had to call again and get another card, which i still haven't received. How does a company send out THE WRONG CARD?! On XX/XX/22, I received a letter stating they were agreeing with the merchant. I called Barclays and was told i would have to fax documents over, which i should not have to do because the order was fake! I have messaged the merchant, demanding my money back or at the very least, whatever i purportedly purchased. They gave me a fake order number and a fake tracking number. As of today, XX/XX/22, i haven't received my so called order. A quick 30 second search on XXXX shows XXXX is a scam. Their website has been shut down as well ( screen shot provided from date of XX/XX/22 ). This could have been easily solved by their so-called fraud team by spending just a few minutes researching online. I would like my money back immediately! I will not do business with a place that allows their customers to be scammed and stolen from! I closed my card on XX/XX/22 due to their decision to allow a fake company to steal from their customers.
Consumer complaint received 2022-07-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: DISCOVER BANK (IN)

Discover Card called Mom to ask for an over the phone payment of {$5.00}. 
1. They provided her the FULL account number to her non-Discover checking account.

2. They asked her to verify information about herself. 3. They pressured her to make a payment over the phone for a 30-day balance. 

We called Discover Card the next day to ask the following. 
1. They remove her ACH Banking Information from their records.

2. They not call her to ask for payment information over the phone.

They said that they were unable to remove her personal information regarding her checking account from their records. To our knowledge, this information was never provided and Mom did not authorize ACH debits from her account.

This is further proven by the checking account in question being less than 6 months old. 
To resolve the matter and prevent further fraud, we closed the Discover Card account.
Consumer complaint received 2022-09-23
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: DISCOVER BANK (CA)

There is a lien on my property from Discover Bank ( XXXX ) for a loan ( {$35000.00} ) which was paid off completely 15 years ago. However my Title Company says that Discover Bank XXXX Discover Home loans ) has a lien against the property. I have difficulty in selling this home because of this. At the time of the loan the house was in joint name but my wife has now passed away. I need this lien to be released immediately. I have called several numbers in Discover Bank and they have no record. They don't have an loan number either. They tell me that the loan was serviced by somebody and they told me to contact two other companies to obtain release and they both say that they don't have an outstanding loan on the property or in my name or SS #. However nobody is offering to release the lien. I am stuck because of the incompetence of the Discover Bank and its loan servicing companies. I am also losing money. Please help me with a solution. I am providing the name and address of the property to help the process. 
Property XXXX, XXXX XXXX XXXX MD XXXX My name XXXX XXXX XXXX ( AKA XXXX XXXX ) Wife XXXX XXXX XXXX ( deceased )