davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-26
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. (MO)

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX ( {$3100.00} collection ) and XXXX XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2023-08-28
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Skrill USA, Inc. (NY)

The new account uses a credit card machine to collect money, and the money received refuses to pay for various reasons, and at the same time refuses to refund to the customer 's bank card. 
In many communications, the customer service of the merchant admitted that the operation was improper and the card could not be returned to the customer. Meanwhile, they refused to pay me. Needs to be frozen for 180 days before payment can be made to me. 
Since my account was newly established, I asked the merchant to refund the customer 's bank card in full and the merchant refused. The merchant 's behavior has violated the relevant regulations. 
Since the merchant did not process the refund, the merchant is now requesting immediate payment
Consumer complaint received 2022-06-25
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. (AL)

These accounts are fraudulent and do not belong to me these accounts are also reporting different opening dates as well as different balances across the three credit bureaus. 

The accounts are : XXXX XXXX  XXXX {$4600.00} XXXX XXXX  XXXX {$2000.00} XXXX XXXX XXXX XXXX {$29.00} XXXX XXXX XXXX XXXXXXXX {$190.00} These accounts are not only fraudulent these accounts are

also reporting different dates and different balances. Some are reporting paid to one bureau and charged off on the other bureau. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate.
Consumer complaint received 2022-02-05
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)

I contacted Equifax and gave them instructions to remove unauthorize accounts from my consumer reports, I also informed them that they did not have permissible purpose and no consent to report or furnish anything, This is considered as Identity Theft Perusuant to USC 1681b Title Title 15 Chapter 41 1. XXXX XXXX 2. XXXX XXXX 3 XXXX XXXX 4 . XXXX XXXX 5. XXXX XXXX XXXX
Consumer complaint received 2018-01-01
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: WELLS FARGO & COMPANY (CA)

Wells Fargo auto dealer services has been reporting badly on my credit report with a 90 day late payment for over seven years. They keep updating the accounts so it looks like it just began with no end in site when this account will no longer be on my credit report. The car is paid off had been for 10 years now. The credit reports doesnt even have an end date or reporting for these accounts.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2018-01-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: M. G. Credit, Inc. (FL)

On or around XX/XX/XXXX or XX/XX/XXXX I think not percent sure but I went to MG Credit here in my city of XXXX FL and I spoke to a XXXX XXXX male, at a house where when I walked in there were dogs running around so I 'm not sure if they were a business or not.But I saw a new debt on my credit report regarding a gym membership and announced who I was and that I may know about debt but was n't sure.i ask if I can pay for delete and get a letter before I make some kind of payment but he insisted that I pay first then he would give me a letter and delete information.It sounded sketchy so I left.As I walked out of door I also thought to myself that they never sent information in the mail nor validate the debt showing that I 'm obligated to pay MG Credit.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than XXXX days after receiving a request from the consumer for that description.
Consumer complaint received 2021-05-17
Product: Credit card or prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc. (CA)

Hello back in the end of XXXX i got married and i got a vanilla gift card as a gift from a relative, i activated it and a couple days later i tried to use it just to find out it was already used even the last pennies i never used the card and none used it because i had it in my wallet i contacted vanilla customer service which is very complicated to reach them it took me forever but i got to them finally, i explained them what happened and they said they were going to find out what happened and it has been almost three years and now when i try to check the card it says number is invalid, does not make sense bacause it clearly says it never expires amd the exp date is XXXX and of course i can't get ahold of them.
Consumer complaint received 2019-12-03
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)

Attached is a complaint filed with the FTC and all the listed creditors and inquiries are a result of Identity theft. On XX/XX/2015 Me My Husband and children was victims of Identity theft. We was living in a home that was being rented by someone that did not own the house we statyed there until we was notified that the house was foreclosed and that we had to vacate the premises immediatly we had paid {$17000.00} in rent only to find out we was victims of fraud at the time we had XXXX kids and that left us homeless with nowhere to go we was forced to leave stouff behind. Once we realized that our personal idnetifications was missing we returned to the house only to see our stuff flying down the street. we lost our social security cards for ourselves and the children, Birth certificates, Id 's and all since Taxes has been filed in our name Pay pal accouts has been opened credit cards furnitue has been leased in our name and inquries for home loans and car loans has been reporte on our credit report. Please assist us with this siuation and help us get these Items removed. This is our last result.
Consumer complaint received 2023-04-21
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 have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. Please have these public records deleted from my file : XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/2017 Reference # : XXXXXXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/2017 Reference # : XXXX
Consumer complaint received 2016-05-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ERC (TX)

Debt was paid however it was never removed as agreed, account is still showing it 's in the collections process. Even after validation of debt was never received. I 've requested the information before. I would like a signed contract, showing proof of original date of service, date of delinquency and service address not an account statement. A statement does not prove who opened the account. Account seems to keep re reporting and being re aged instead of having been removed for several violations. Company stated prior that debt does not have to be validated.
Consumer complaint received 2024-10-30
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (SC)

I applied for Citi American Airlines Executive Credit Card which has {$590.00} annual fees. It comes with a lot of perks and benefits. One of them is $ 10 monthly credit for XXXX purchase. Citi started having issues with providing a customer with a {$10.00} credit since XX/XX/year>. It means if I spend {$10.00} at XXXX, I dont get any credit towards it. I owe Citi {$10.00} which I have to pay by due date or they will charge me 24.24 % interest rate on it. The issue has been ongoing for 3 months ( {$30.00} so far ). I called and asked Citi to manually credit my statement but they refused. They said they are working on resolving an issue and I will get the adjustments all at once. They are not able to give expected time of resolution. 

The issue is Citi expects me to pay off my statement balance that is technically overstated by {$10.00} in full. Or, they will charge me interest rate of 24.24 %. Citi fails to administer the benefits as outlined in the program they advertise customer for an annual fee of {$590.00}.
Consumer complaint received 2023-08-10
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. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX  Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2022-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

I have tried multiple times to have my personal information updated to show the correct address where I can be reached. I sent both written requests as well as called XXXX and Equifax to have this issue corrected and both credit bureaus are still reporting outdated addresses on my credit reports. 

Please see attachments of my current request as well as a copy of the written requests that I sent previously via USPS certified mail.
Consumer complaint received 2023-04-21
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)

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, XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX TX XXXX XX/XX/XXXX, XXXX XXXX XXXX Balance : {$550.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$230.00}, XXXX XXXX Balance : {$1800.00}, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$390.00} 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
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Under 15 U.S. Code 1681b ( regarding permissible purpose ), I have never granted the following companies any authorization to access my credit report, and they are in clear violation of this code. As a result, I am requesting the removal of the following account ( s ), as they are causing harm to my reputation, character, creditworthiness, credit standing, and credit capacity. 

Please note that I am filing a legal identity theft report with the FTC, which I am submitting under penalty of perjury, and I am enclosing it with this letter. Given your legal responsibility to protect my privacy, I expect this issue to be addressed with the highest level of urgency. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-23
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: EQUIFAX, INC. (NC)

In accordance with the Fair Credit Reporting Act the following 3 companies have fraudulent information, wrong personal information : XXXX : NAME should be " XXXX XXXX '' PREVIOUS ADDRESSES : I do not recognize those addresses EMPLOYERS : XXXX XXXX is not correct Experian : ALSO KNOWN AS : I am not known by any other names other than my actual Name which is " XXXX XXXX XXXX XXXX I am NOT " XXXX XXXX XXXX '' or " XXXX XXXX '' DATE OF BIRTH : should be XX/XX/1995, not just " XXXX '' PREVIOUS ADDRESSES : I do not recognize any of those addresses Equifax : NAME : should be " XXXX XXXX XXXX FORMER : i have no former names EMPLOYERS : XXXX XXXX is not correct All of this incorrect/fraudulent information is hurting my credit report and not allowing me to qualify for mortgages or anything. This false information also is making Charge-Off accounts to remain on my report.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

You are reporting Inaccurate, information in consumer reports concerning me that you have compiled and published to third parties. The following tradeline item is Inaccurate because the following accounts report inaccurate information. 


Account Name : XXXX  XXXX Account Number : XXXX Please Delete this Account! 



Account Name : XXXX XXXX XXXX / XXXX Account Number : XXXX Please Delete this Account! 



Account Name : XXXX XXXX - XXXX Account Number : XXXX Please Delete this Account!
Consumer complaint received 2023-05-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (SC)

I deposited my paycheck online to find account. I was told I would then have a virtual card, but this was not the case. 

I'm an effort to access funds needs for essentials, I attempted to move funds using XXXX. 

When I did this my account initially was frozen and after a heated phone call, I was hung up on and my account was locked. I believe this was a punitive action by associate upset by my call. 

They were given information needed, but called and would not provide adequate information for my company payroll department to verify which escalated further in ally fraud department. 

They have indicated that even if check clears, I will not have any access to funds until they have " evaluated '' and verified my account. 

I have provided them with all information they have requested. There has been no indication when nor how a decision will be rendered.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

The inquires was deleted and readded to my credit report. They have been going off and back every 6 month. They should have been deleted. 

Inquiry details 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-12-24
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Grant & Weber (CA)

HI, I pulled out federal student loans and owed some money back to that school when I transferred out of that school. I paid most of the amount back and I was in constant email exchange with the school about how much money is left for me to paid. This was last year in XX/XX/2020. Then when I tried to ask them that is not the correct amount that I owe and tried to figure out how much is actually owed, they never responded to my email. Then later, I got a collections agency notification saying that I owed ~ {$1000.00} more than what they initially said, which was already over-estimated student debt. I tried to email the school one more time, which they were closed for the holidays. I also tried contacting the collections agency and left two voicemails to no returned calls. 

Please help me as much as possible, this has been significantly impacting my credit and not sure what to do. Thank you.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

In accordance of 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 has violated my rights. 

I looked at my XXXX, XXXX and Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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.