davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-04
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. (TN)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items 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 remove these files : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you feel there is a possibility these items 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 items are 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.
Consumer complaint received 2023-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing this personal statement to address the presence of inaccurate personal information on my credit report. It has come to my attention that certain items listed on my report are not reflective of my financial history, and I strongly believe they are a result of errors or identity theft. As a responsible consumer, I regularly monitor my credit report to ensure its accuracy and to protect myself from any potential fraudulent activity. Upon reviewing my recent credit report, I noticed discrepancies that do not align with my financial behavior. I have no knowledge of the accounts mentioned, and I firmly dispute their validity. As a victim of XXXX, transunion and the dark web, I am being impacted with misspellings of my name, fraudulent inquiries, addresses that is causing me issues in keeping my reports and my name credible. Anything I've not authorized, or approved, even what is incorrect is fraudulent with my information being exposed by the Credit Bureaus.
Consumer complaint received 2023-08-04
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: SYNCHRONY FINANCIAL (GA)

I am in need of help because i am being harassed by a debt collector who is repeatedly calling and writing me letter even though they have taken action to sue. 

I have the letters that has been written and sent to my address. I'm with the XXXX XXXX XXXX XXXX. 

My name has been Trade Marked and XXXX, I have set up my common law for my name XXXX XXXX XXXX and XXXX XXXX XXXX. I also put my name in the news paper to claim my status of XXXX year of age with the Minnesota XXXX rule ( ucc ) you can look my my name up.

15 U.S.C 1692F says a debt collector may not harass or annoy debtors, and may not threaten debtors with arrest, and may not threaten legal action.

But most importantly my XXXX out trumps everything and my Minnesota XXXX rule ( ucc ) is right behind it and if the do not stop harassing me, I will have no choice but to get my XXXX Lawyer.
Consumer complaint received 2023-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent certified mail to Transunion and it got refused by Transunion because I sent certified mail by using tax percue. so I am not waiting for letter to being returned since I have tracking number that said Transunion refused and it is return to sender so I am going to submit what I tried to send in that letter in attached subtract my driver 's license and ss card since it is not in the mail. They should've accepted it. 

Certified Mail tracking Number : # XXXX I am writing to bring to your attention a serious violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code G 1681s-2 - Responsibilities of Furnishers of Information to Consumer Reporting Agencies , by certain creditors listed on my credit report. 

According to Section 1681s-2 ( b ), furnishers of information to consumer reporting agencies, such as the creditors in question, have a legal duty to provide accurate and complete information. However, after careful review, I have identified multiplate discrepancies and inaccuracies in the reporting of the following accounts : 1. XXXX XXXX Acct # XXXX : The reported balance and payment history of this account are incorrect and do not align with my records. I have documentation, including account statements and payment receipts, that substantiate my claims. This violation undermines the integrity and accuracy of my credit report. 

2. XXXX - Acct # XXXX : The reported account status and date of last activity for this account are inaccurate and misleading. I have evidence, such as correspondence and settlement agreements, demonstrating that the account was resolved and should be reflected accordingly. The failure to accurately report this information is a direct violation of the FCRA. 

I am requesting that you immediately delete these accounts from my credit report, in accordance with Section 1681s-2 ( a ) ( 1 ) ( E ) of the FCRA, which states that if a furnisher of information determines that information it provided to a consumer reporting agency is inaccurate, it must prompty notify the agency to correct the information. The continued inclusion of these inaccuracies not only damaged my creditworthiness but also infringes upon my rights as a consumer seeking fair and accurate credit reporting. 

Please be aware that the FCRA holds credit reporting agencies accountable for ensuring the accuracy and integrity of the information they report. Non-compliance with the FCRA may subject your agency to legal consequences, including potential liablity for damages, as outlined in Section 616 of the FCRA.
Consumer complaint received 2023-08-04
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. (FL)

I previously had a Fraudulent account on my credit report which was : XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account was investigated by all 3 credit bureaus and was deleted from my credit report. 

To my surprise after checking my credit report this account suddenly shows back up on my credit report. I wrote all 3 credit bureaus on XXXX. 

First off this was not my account to begin with. Then it was deleted after fraud. 

Then it suddenly reappears on my credit report. 

However secondly I was never notified in writing within 5 days after this account was previously deleted which is a direct violation and again it wasn't my account to begin with which is why it was previously deleted. 

Please have XXXX XXXX, XXXX and Equifax Delete this account for it is a direct violation.
Consumer complaint received 2023-08-02
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: Experian Information Solutions Inc. (FL)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.
Consumer complaint received 2023-08-02
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Confusing or misleading advertising
Company: General Motors Financial Company, Inc. (MI)

Last XXXX I leased my XXXX XXXX XXXX. Immediately after lease the radio and screen in the car quit working and would come on and off as I would drive. Rather than take it in for repair, I decided to continue going to work because I could not be without a vehicle. 

From there, the car engine blew on the way home one day and I was forced to have it towed. XXXX did very little make sure I was okay or had a vehicle to work with even though their new vehicle broke down on me and was fully paid. I was without my car and then also did not have a loaner until 10 days later. Due to the fact that I was forced to pay for a vehicle I did not have, I could not afford a rental car and that is what XXXX was telling me to do. Pay for a rental out of my pocket and they would pay it back. Which seems incredible unfair to the blue collared worker or someone who is paycheck to paycheck. Because of this I was forced to go without a vehicle and miss days of work because of it. 

Then in late XXXX XXXX I received my vehicle back with a " new engine ''. Upon receiving my new vehicle I was already hesitant to drive it and did not trust it enough to take it on the highway. Instantly when getting the vehicle returned I knew something was still wrong. I called XXXX every single day leading up to my car engine going out for the SECOND TIME in the middle of the road. Luckily I was able to turn the car off, then back on and get home, but never over 40mph. The following day I had the car towed and the dealership informed me they could find nothing wrong and that the memory card had no recollection of the issue and the XXXXCheck Engine Light ' had also not come on. So then I was informed to go get the vehicle once again and use it. 

When I returned to the dealership XX/XX/XXXX to pick it up, I was informed the vehicle had issues when one of the technicians drove it so my story was finally viable and they were going to keep it. Again, leaving work early and missing out on hours when a phone call could have saved everything. Simple mistake so not that big of a deal, but once again no loaner was given so I had to XXXX to work once again, taking money out of my pocket that should be XXXX 's. Now XXXX is sending out a field technician to look over the vehicle in an attempt to fix it. Mind you this has been going on for 3 months now and all three months I was forced to pay in full with XXXX not trying to help AT ALL. I have contacted them over XXXX times, maybe daily and have just now turned to the help of other organizations. My case should have been escalated long ago and this company is taking advantage of the every day blue collared worker.
Consumer complaint received 2023-08-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: DailyPay, Inc (AR)

Hi, my issue has been with the company DailyPay. The week of the XXXX through the XXXX of XXXX I worked but was not paid my total amount. The total amount that I was supposed to be paid was {$560.00}. XXXX, is the temporary agency that I work for and DailyPay is the company that distributes the pay into my account. With DailyPay, you can receive a partial payment before your scheduled payday and then the rest of your check later. My issue is that they told me that they sent me the {$390.00} in different lump sum payments but it's not reflected on my bank statement. They did send {$110.00} and {$61.00} the week I was supposed to be paid but not the rest. When I tried to explain to them that it never made it to my account they said it was XXXX 's fault and the run around began. I've never had a problem with DailyPay before and I just want them to pay me what I am owed.
Consumer complaint received 2023-08-02
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: CCF Intermediate Holdings LLC (TX)

Theyve been asked repeatedly to not contact me. They continue to leave threatening voicemails. The transcript of the most recent voicemail : XXXX Deposited a new message : " This message is only intended for a XXXX XXXX XXXX, uh this compliance XXXX XXXX XXXX and contact in regards to a pending case to be filed against you. Now, by law, you must make you aware that once case number file us XXXX is filed, it will become a matter of public records and there 'll be a order of location that'll be issued for you. Now, since I wasn't able to reach you by phone, I was instructed to contact your employer and speak to the supervisor as this. Now may look like a possible place or location due to the negligence when you're in regarding the case, XXXX XXXX, you do still have the legal right to contact the office that is process in the case. But once the case discharged from that office, all legal rights are to be forfeited over the phone number here. They do provide on the paperwork to contact. That office is XXXX and this will be in regarding the case number, file us XXXX and XXXX XXXX, you are being legally notified by telephone and you'll be located less time otherwise. Thank you. '' Click here : XXXX to listen to full voice message.
Consumer complaint received 2023-08-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (NJ)

I have been calling Citi Bank many times and for more than 2 months trying to close my Streamlined business checking account. Every time I spoke to a rep and they told me they closed my account and I would get a letter to confirm my account is closed in 5 - 7 business days but it's never closed. I have been spoken to more than 5 different reps and they told me the same thing, the last one I spoke to even gave me his ID number which is XXXX, his name is XXXX. But as of right now, my account is not closed and I am about to be charged for monthly fee again.
Consumer complaint received 2023-08-02
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. (MA)

There is a bug in the Chase XXXX where customer activate cashback offers, they show as activated, but then when you go back to them, they're not activated. It's only a bug in their XXXX XXXX, not on the website. I have brought this issue to their attention repeatedly and have only been met with useless canned copied and pasted responses from their useless outsourced customer service morons. I activated a XXXX XXXX 's cashback offer prior to discovering the bug and then made a purchase. Later I saw that despite my having activated the offer, it showed as not activated in their app. I contacted Chase Customer service and was told it would be escalated and taken care of. This was over two weeks ago. Since then I have contacted them twice and received assurances that it would be resolved. It still has not, over two weeks later
Consumer complaint received 2023-08-02
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. (LA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-08-14
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: TD BANK US HOLDING COMPANY (FL)

XXXX XXXX has changed their service provider for payment portal to TD Financial. The new web portal does not allow for updating or changing passwords to log in and revise/make payments. I have called customer service multiple times to try and get the information I need but am stuck on a hold loop for hours. 

The new service provider requires a new login to be setup, but I can't set it up because I can't get customer service to answer my calls to get my card / account number. It appears many others are having the same issues. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-02
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. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-08-04
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Newport Intermediate Inc. (CA)

XXXX issued me a prepaid debit card through northlane.com to refund an overpayment on an account. I activated the prepaid card, but when I attempt to use the card to pay {$6.00} toward my XXXX bill, XXXX tells me that payment is not authorized. I called the number on the debit card and I only received recordings telling me that the balance is {$6.00}. It's impossible to reach a live person. I log in to their website. Their website is excessively slow ; loading a page takes more than a minute. It shows me the balance is {$6.00}. The website shows that it is possible to transfer the money to a bank account through ACH. I clicked that link and after several minutes, it tells me that this account is not authorized ( presumably for the ACH service ). Then, I click another link and the site logs me out saying my session is timed out. I have been actively using the session. It's clear that XXXX doesn't want to refund me the money. Instead of simply sending a check, they sent me a debit card that is designed to be impossible to use. They have created so much friction, that they expect that I will give up and they will keep the small amount that they have overcharged me. This is ridiculous that businesses are allowed to do this -- nickel and dime customers to death.
Consumer complaint received 2023-08-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I need to inform you I was the victim of identity theft. I'm disputing the accounts as they were opened without my knowledge, consent or authority. I'm including the FTC report from the site identitytheft.gov. 
Please dispute the accounts. They were opened without my knowledge, authority or consent. 

XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-04
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: Experian Information Solutions Inc. (SC)

This is my multiple request but time has already passed but up until now, I havent heard any kind of response from the 3 Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of and kindly help me to delete these items : XXXX XXXX  XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX NC XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$500.00} ; XXXX XXXX XXXX Balance Owed XXXX {$5500.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$870.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX Balance Owed XXXX {$890.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$5500.00} ; XXXX XXXXXXXX Balance Owed : {$30.00} ; XXXX XXXX XXXX XXXX* Balance Owed : {$570.00} ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXXXXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$5500.00} ; XXXX XXXX XXXX Balance Owed : {$500.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00}.