davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-07
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc. (CA)

On XX/XX/XXXX I contacted vanilla Visa credit card because I had checked the balance on my card and notice that a {$190.00} had been charged onto my gift card. I contacted vanilla Visa gift card at XXXX and they informed me that they would put a block for the representative I spoke to. They informed me to call back in 7 days to get an update. I called to check my balance Today and spoke to a representative who informed me that the transaction that was made Through XXXX XXXX  did go through after all through after all. She then informing I would have to file a dispute and that in itself would even guarantee me that I would get the {$200.00} back. And that I would have to wait 90 days. At which time I decided to request to speak to a supervisor. She Reiterated the same thing the representative told me, Which is absolutely unacceptable being that I'm being inconvenienced over a situation I have no participation or control of if someone hacks the card. Th The supervisor informed me that it could take 5 to 7 days if I call XXXXXXXX XXXX  directly and provide in me the following number XXXX. This number ring and rang and rang with no option for leaving voicemail or with any recording indicating its eligibility company. Thus this solution is not a viable one.
Consumer complaint received 2022-07-12
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of accounts/items which do not belong to me or were opened without my permission. 
XXXX/XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX  XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-05-03
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: NRA Group, LLC (FL)

On XX/XX/XXXX, I received multiple calls from NATIONAL RECOVERY AGENCY XXXX XXXX XXXX, XXXX, PA XXXX, regarding and alleged medical obligation leading to a voicemail being left with an account number to alleged obilgation. I returned the call and was asked for verify myself upon requesting first and last name from representative I was told she was not obligated to identify her while had access to all of my private and personal consumer information insisting i verify whom I was when I was returning a call, she stated she would not be able assist and for safety reason would not disclose her first and last name which violates FDCPA laws further more the representative hung up. I repeated to call back to acquire information as into how this third party I have no entered any contracts with have my personal and private consumer information, I made five calls and each representative declined and refused to properly identify themselves on my third call the rep answered and said in quote " I was crazy " for asking him to identify and that statement caused deep emotional injury and damage. I spoke with a manager who agreed that reps are to identify themselves and should use profane or derogatory statements I asked if compliance would review all calls and we could resolve the violations in private however no one ever reached out to me. I did however start getting emails regarding the alleged obligation with no consent under regulation F but they continue to harass me. Today XX/XX/2022 I called in again seeking remedy and was told again the rep would not provide proper identification i was transferred to a manager who identified his first and last name and made him aware of the violations and he refused to address the matter at hand after asking him multiple times why his reps would not id he placed me on hold to confirm FDCPA laws and came back to the phone stating he doesn't have time to talk about the violations and hung up on me causing more damage and leading to more financial injury as no remedy can be made when they avoid assisting me or acknowledging their harassing and profane collections efforts pertaining to an alleged obligation.
Consumer complaint received 2022-07-12
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: EQUIFAX, INC. (LA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : XXXX  XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/XXXX I went to XXXX with an approval from XXXX XXXX Bank, but they ran my credit with XXXX XXXX XXXXXXXX XXXX XXXX 2 times, XXXX XXXX XXXX XXXX without my consent. 

After that I kept getting inquiries on XX/XX/XXXX from XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX 2 from XXXX XXXX 

The same happened when I went to XXXX XXXX XXXX on XX/XX/XXXX, I had an approval from XXXX XXXX XXXX  and I have unauthorized inquires from XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX OF XXXX XXXX XXXX 2 times XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also have unauthorized inquires from XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX I need these unauthorized inquires deleted/removed off my credit report.
Consumer complaint received 2022-04-25
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. (FL)

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.

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. 

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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-25
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. (TX)

In accordance with the fair credit report act XXXX XXXX XXXX XXXX  have 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 2022-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MS)

USAA BANK CREDIT CARD still reports late 30 to 60 days on a card from XXXX and XXXX that is closed and will not clear from credit bureaus
Consumer complaint received 2022-07-12
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. (NY)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, account or item which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX AV XXXX, NY XXXX, XXXX XXXX
Consumer complaint received 2022-04-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (TX)

I have reached out to XXXX, XXXX and Equifax via certified mail on the following dates : XX/XX/2021, XX/XX/2021 and XX/XX/2021 for VALIDATION and not verification of debt reporting to all three credit bureaus as charge off. I have NEVER received validation of this debt. The following accounts were : XXXX XXXX XXXX XXXX ( two charge off accounts ) and Department of EducationXXXX. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt. I have also requested resources on how they VALIDATED the debt and NOT verified. The amounts reporting to my credit continues to increases with different reported dates. As of todays date I gave not received a response regarding my certified mailed letters.The information they are reporting on my report is not valid and I demand for it to be deleted off of my report immediately.
Consumer complaint received 2022-04-25
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

I SUBMITTED MY DISPUTE TO ALL THREE CREDIT BUREAUS BY MAIL LAST MONTH AND I STILL HAVE NOT RECIEVED AN RESPONSE REGARDING MY ISSUES WITH TWO ACCOUNTS. I WOULD LIKE TO SEE IF THE CFPB CAN SEE WHAT THE PROBLEM IS AND MAKE THEM PROCESS MY PAPERWORK BECAUSE I'M TRYING TO BUY A NEW HOUSE. ATTACHED IS A COPY OF EVERYTHING I SENT.
Consumer complaint received 2022-07-12
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. (NY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED IDENTITY THEFT REPORT # XXXX and documents to assist in the blocking of the erroneous information which is being posted to my report. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX
Consumer complaint received 2022-05-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2022-12-15
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)

On the date of XX/XX/2022 two accounts were open under my name ( XXXX XXXX XXXX ) one with a balance of {$310.00} and the other with the balance of {$120.00}. Yesterday XX/XX/2022, I was checking my credit report and found these two accounts reported. I called the company and I confirmed the accounts being opened by an original creditor called XXXX XXXX which was bought by XXXX XXXX XXXX and they were able to provide the information and address from where the account was opened. They told me it was open in XXXX, TX. I then did a police report and I also contacted all 3 credit bureaus. The account seems to only be reported on my Transunion report. I was told to take this step of filing the complaint and send police report and a copy of this complaint to Transunion via US Mail.
Consumer complaint received 2022-01-10
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. (FL)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2022-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

On XX/XX/2022, I sent a letter to Experian and XXXX notifying them about the inaccurate information on my consumer report. Until now I didn't receive any response or any result of their investigation. I feel frustrated and I am in distress this matter has affected me from getting access to different forms of credit which I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Consumer complaint received 2022-04-25
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. (GA)

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 XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ), XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXXXXXX ) XXXX, XXXX  XXXX XXXX Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX ( Original CreditoXXXX : XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, ( Original Creditor : ) XXXX, XXXX XXXXXXXX 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 a account without my written instructions
Consumer complaint received 2022-04-25
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. (GA)

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 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 XXXXXXXX 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 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 XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 a account without my written instructions
Consumer complaint received 2022-08-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (GA)

There is a verified account with XXXX followers on XXXX  called XXXX XXXX and had good reviews about buying a XXXX. My boyfriend wanted one really bad so I messaged them for more information about it. After discussing information they gave me their Zelle to send {$550.00} to. After it was sent they stated I will get a confirmation number at 3 that day. It now becomes 6 and I keep messaging them to get no response. And now Im blocked. I call XXXX and they stated to contact zelle. Zelle tells me to contact chase. XXXX then says we cant do anything about it. Sorry for your loss. I have the messages and everything about the XXXX and name of the person and phone number but nothing they can do??? This all occurred XX/XX/XXXX. Would love if we could upload photos.
Consumer complaint received 2022-04-25
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. (MA)

Several XXXX XXXX  employees called me and left voicemails over several days. I had previously requested that I be removed from their sales list, so called back thinking there might be an issue with my mortgage. 

The salesperson I spoke with asked me several questions about my home situation ; throughout our conversation, I was clear that I had no interest in making any changes to my mortgage. The salesperson then stated that he was going to take a look at my credit to make sure everything was in line and asked me if the last four of my social were XXXX. I confirmed that the numbers were correct, and which point he immediately left the call and put me on hold - before I could ask what he meant by taking a look at my credit or why he would need to do so. I absolutely did not understand that he was going to make a hard inquiry into my credit. He did not use the words " mortgage inquiry '' or " hard inquiry. '' When the salesperson ( who referred himself as a " banker '' ) returned to the call, I asked him if he had just executed a hard pull on my credit report and he assured me that it was " no big deal. '' Unsurprisingly, my credit score was in fact negatively impacted by his action. I later contacted XXXX XXXX  to ask that the inquiry be removed from my credit report and they said they could not remove it because I consented to the credit pull by confirming the last four of my social. Again, I did not understand that the salesperson was asking for my consent to create a hard inquiry into my credit and had made clear that I had absolutely no interest in any new mortgage product.