davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-01
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (NV)

I bought XXXX gift cards on XX/XX/year> and wanted to use them online to make some purchases and they claimed that they work online with a billing address and my name. I tried to use them and it didn't work saying that the billing address wasn't working with that card. 

On top of that, I tried to access these cards online and the website won't allow me too so I believe they are blocked. I have other cards where I can at check the balance on the website. 

The XXXX cards numbers are : XXXX and XXXX
Consumer complaint received 2020-08-11
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. (TX)

Someone has stolen my identity and added accounts to my credit history I don't even know of. I am not sure how but I am determined to get this resolved because I am on the verge of losing my job! All because someone somewhere is acting as me or impersonating me somehow. I did not consent to any of these accounts and will like them removed immediately!
Consumer complaint received 2022-07-28
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

XXXX XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO XXXX COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX XXXX XXXX OF XXXX CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Consumer complaint received 2022-04-06
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. (LA)

THESE FOLLOWING COMPANIES ON THESE FOLLOWING DATES FRAUDULENT PLACED A HARD INQUIRY ON MY PERSONAL CREDIT REPORT FROM CREDIT BUREAU XXXX : ( 1 ) XXXX XXXX ( XXXX XXXX XXXX XXXX, VA XXXX ) requested a fraudulent hard inquiry on my credit report with XXXX on XX/XX/XXXX. 
( 2 ) XXXX  ( XXXX XXXX XXXX XXXX, GA XXXX ) requested a fraudulent hard inquiry on my personal credit report from XXXX on XX/XX/XXXX. 
( 3 ) XXXX XXXX ( XXXX XXXX XXXX XXXX, VA XXXX ) requested a fraudulent hard inquiry on my personal credit report from XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
( 4 ) XXXX XXXX ( XXXX XXXX XXXX XXXX, VA XXXX ) requested a fraudulent hard inquiry on my personal credit report from XXXX on XX/XX/XXXX. 
( 5 ) XXXX  XXXX ( XXXX XXXX  XXXX XXXX, VA XXXX ) requested a fraudulent hard inquiry on my personal credit from XXXX on XX/XX/XXXX, XX/XX/XXXX. 
( 6 ) XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ) requested a fraudulent hard inquiry on my personal credit from XXXX on XX/XX/XXXX, XX/XX/XXXX, XXXX ( 7 ) XXXX  XXXX NA ( XXXX XXXX  XXXX XXXX US XXXX XXXX XXXX VA XXXX ) requested a fraudulent hard inquiry on my personal credit report from XXXX XXXX XX/XX/XXXX. 
( 8 ) XXXXXXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX, IN XXXX ) requested a fraudulent hard inquiry on my personal credit report from XXXX on XX/XX/XXXX. 


IN ADDITION, EQUIFAX CONSUMER INFORMATION SERVICES WON'T REMOVE THE FOLLOWING FRAUDULENT HARD INQUIRIES FROM MY PERSONAL CREDIT REPORT : ( 1 ) XXXX ( XXXX, XXXX XXXX XXXX XXXX. XXXX, FL XXXX ) requested a fraudulent hard inquiry on my personal credit report from EQUIFAX on dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX 2 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) requested a fraudulent hard inquiry on my personal credit report from EQUIFAX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( 3 ) XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, VA XXXX ) requested a fraudulent hard inquiry on my personal credit report from EQUIFAX on XX/XX/XXXX. 
( 4 ) XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, OH XXXX XXXX requested a fraudulent hard inquiry on my personal credit report from EQUIFAX on XX/XX/XXXX. 
( 5 ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, VA XXXX ) requested a fraudulent hard inquiry on my personal credit report from EQUIFAX on XX/XX/XXXX. 
( 6 ) XXXX XXXX XXXX  ( XXXX 'S XXXX, XXXX XXXX XXXX XXXX, FL XXXX XXXX requested a fraudulent hard inquiry on my personal credit report from EQUIFAX on XX/XX/XXXX. 
( 7 ) XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX ) requested a fraudulent hard inquiry on my personal credit report from EQUIFAX on XX/XX/XXXX.
Consumer complaint received 2022-07-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

XXXX XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Consumer complaint received 2020-05-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT FILE WITHOUT MY KNOWLEDGE.THESE DEROGATORY ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I AM IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S ACTIONS AND I HAVE BEEN LEFT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA AS TO HOW MY PERSONAL INFORMATION WAS OBTAINED BY THIS INDIVIDUAL TO BE ABLE TO DO SUCH A THING TO MY CREDIT FILE. IT HAS NOW BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING SO DAMAGED. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE DEROGATORY ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT FILE AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE DEROGATORY ACCOUNTS AND INQUIRIES DO NOT BELONG TO ME.
Consumer complaint received 2020-05-22
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. (CA)

I am filing this report because today XX/XX/2020 I discovered two accounts on my credit report that do not belong to me. The only reason why I even looked at my credit today is because I was going to ask for a credit line increase for one of my credit cards and I wanted to make sure they would approve the credit increase. The account names are XXXX XXXX XXXX XXXX XXXX XXXX. I have no relationship, contract or agreement with either of these companies and I did not give them permission to run or access my credit. At this time I don't know who is responsible for these accounts but I have already filed a police report. I did not benefit anything from these accounts such as money, goods, services or any other benefit nor did I ever make any payments towards these accounts. I have filed this report to the best of my knowledge.
Consumer complaint received 2022-07-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (NY)

I have sent several letters to validate the debt to Midland CRE and still they are reporting a debt that does not belong to me. I have also communicated with the three credit bureaus and still no bonafide proof and I want this debt deleted and no longer associated with me.
Consumer complaint received 2020-05-22
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: CURO Intermediate Holdings (CA)

Registered for a prepaid card online at XXXX approx 3 weeks ago, received direct deposit information from XXXX for new account including routing and account number then submitted this information to the IRS online to receive {$1200.00} stimulus payment as direct deposit to my XXXX account. Received prepaid card approx 10 days later, activated successfully online by calling number on the card. 
IRS app " Get my payment '' informed me the payment would be deposited on XX/XX/2020. On that day I called the customer support number on the back of my XXXX Visa Card entered 16 digit card number only to receive message " no valid account '' then was transferred to XXXX agent who informed me the deposit of {$1200.00} was made but she needed to transfer me to another agent for ID verification. I spoke with XXXX who advised she would be asking several questions to verify who I was.She had me verify previous address then asked if I was expecting deposit from government I said ; " Yes '' then suddenly she had technical issues and the system would not allow her to ask any further questions and I would have to mail photo copy of Drivers License and Utility Bill with current address on it. I asked if it could be emailed or faxed she provide that information which I submitted by email to XXXX 
The following morning I called to verify funds and same message. Spoke with Supervisor by phone who verified email with proof of ID was received. She then informed me that account was closed as I broke the terms and conditions and said go to website and look under Closure section. Would not provide any more details and said they would mail me a check within 4 to 10 weeks. I did nothing wrong and provided all documentation they asked for, this is my stimulus payment and I can't afford to wait 10 weeks to get the government intended help I have rent and bills I need to pay! Please advise, thank you!
Consumer complaint received 2022-09-10
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAINE & WEINER COMPANY, INC. (OH)

Caine and wiener have been harassing me via phone and mail and also added a collection account to my credit report for {$180.00}. I have been dealing with this harassment for over 3 years now and I still have not received a clear answer as to why I am being charged and harassed
Consumer complaint received 2022-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I am disputing several hard inquiries on my credit reports that I did not authorize. I have tried to get them removed previously ( 2 are recent ) but they told me I had to go through the FTC. 
1. XXXX XXXX hard pull ; XXXX not mine 2. XXXX XXXX hard pull ; XXXX not mine 3. XXXX XXXX hard pull is accurate however it shows up as 2 inquiries and it should only be 1 ; XX/XX/2022 Thank you
Consumer complaint received 2020-05-23
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Amsher Collection Services, Inc. (AL)

After reviewing the credit profile Amsher Collection Services continues to furnish information on credit profile. Where services were rendered, its medical coverage was unavailable, was there any financial assistance available?
Consumer complaint received 2020-05-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (IN)

Debt was off on XX/XX/20. I received a letter stating that they were attempting to collect the same debt, when I checked my online account and called I was told that I'd have to wait 10 days in order to receive an updated correspondence and that I could not have an email sent showing that the balance was paid and the account was closed. When I inquired as to why my online account was not reflecting payment I was told that's an IT issue and I'd again have to wait. I have a bank statement showing that the amount was deducted.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX  XXXX 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 2022-07-28
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: Experian Information Solutions Inc. (NC)

I was a victim of identity theft and Experian is giving me a hard time. They refuse to delete items off my credit. I will upload documents verifying my correct address. 
My correct address is XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX NC XXXX. 

Incorrect addresses on consumer report : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX Please delete off credit report
Consumer complaint received 2020-08-11
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. (TX)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-08-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (IL)

I am a victim of identity theft. In XXXX someone got my name and social security number. They used my identity to get cable service ( this creditor let people apply over the phone for cable, with just a Social security Number, name and good credit. The thief paid the bill until XXXX, then stopped paying, the thief lives in Indiana and I live in Illinois. Someway the creditors put me in collection. I contacted FTC regarding my Identity theft, and my credit score went back up, the collection agency, stopped harassing me. On XX/XX/XXXX, My bank contacted me stating that there is a major derogatory activity on my credit report. I contact the FTC, they was not handling this kind of case they said. They sent letters on line for me use. But I thought this is subsequent to the first Identity case. My bank said, maybe I should contact the credit bureau, I did, but I have been treaty like I am the crook. XXXX did an investigation with input from the creditor/collection agency and no input from me. The results I do not understand. It was sent to me om XX/XX/XXXX, stating that the status is {$1000.00}, is past due as of XX/XX/XXXX, and this account is scheduled to continue on record until XX/XX/XXXX. They also put the thief address and phone ( I believe ) as my address, Again I never live in Indiana or had a phone in Indiana. When I called the agent, she was not helpful to me. She asked me to send a police report and my social security number, I had a hard time finding the police report, so call the police department, XXXX XXXX, They said I need to come in a fill a request sheet and sign, and it would toke two to six weeks. I found the report, I was going to send it in, when I got  the investigation report. If you can help me, please do. Thank-you, for all you do for me and other consumers. 
p.s. I do not understand the finding. I am not the thief, how can major derogatory information be on my credit report until XXXX.
Consumer complaint received 2020-05-23
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: Experian Information Solutions Inc. (AL)

I OBTAINED A COPY OF MY CREDIT REPORT AND THERE ARE MEDICAL BILLS ON HERE THAT DO NOT BELONG TO ME. PLEASE INVESTIGATE THESE ACCOUNTS, AND SEND ME AN UPDATED COPY OF MY CREDIT REPORT.
Consumer complaint received 2022-07-28
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)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$4500.00} XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$220.00}