davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-09
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (MD)

I purchased XXXX Vanilla Gift card on XX/XX/year> for {$500.00} ( I have receipt from purchase that I attached ) to send to a friend in need. Upon receiving the card, she was not able to purchase anything with it. She visited several stores with no luck. I called customer service XXXX separate times and was given a case number and told they would pass on the information to the correct department. I have not heard from anyone or received anything in the mail. Apparently, I am not the only person having these issues with the XXXX Vanilla gift cards.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

On XX/XX/year> I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to Transunion Intermediate Holdings, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. My credit report is still reporting an accounts for XXXX XXXX XXXX. This has cause me great XXXX, stress, and financial hardship.
Consumer complaint received 2024-09-02
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. (FL)

I'm writing to notify you that I have recently been a victim of identity theft, leading to multiple fraudulent entries on my credit report. These 4 accounts and 16 inquiries were added without my knowledge or authorization. 

ACCOUNTS - XXXX XXXX XXXX Account # : XXXX - XXXX XXXX  Account # : XXXX - XXXX XXXX Account # : XXXX - ( Original Creditor : XXXX XXXX ) Account # : XXXX INQUIRIES- XXXX XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXX  XXXX XX/XX/XXXX - XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX - XXXX  XXXX XXXX XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXX  XX/XX/XXXX I have already reported this matter to the Federal Trade Commission ( FTC ) and now urgently request the immediate removal of these fraudulent items from my credit report.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXXXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-05-16
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. (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.

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

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 2024-06-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

On XX/XX/2024, I submitted dispute # XXXX with USAA Bank because an employee working at a hotel where I stayed frequently used my debit card to make purchases and ATM withdrawals without my knowledge or consent, she was receiving help from a person who my girlfriend at the time. The transactions totaled over {$14000.00}. USAA provided a temporary credit, and then they " investigated '' I even gave them the name of the responsible party, and also let them know that the hotel management was aware, that I was not the only victim, and that she had fled the country ( to this day XXXX is looking for her ) after I provided all this information I was fairly certain that USAA would resolve the dispute in my favor, but what they said was that after a " thorough investigation, '' they determined the transactions were not fraudulent and that they based that decision on " information they had available at time of review ''. At no time did they reach out to the merchants or the banks, as they are required to do, and at no time did they send ANY information to me which would justify their findings. They then debited the provisional credit they had provided me, they also STOLE over {$1200.00} from my XXXX account, because I had wire transferred that money while I was waiting for USAA to replace my compromised debit card, and then they closed my checking account, and now they refuse to re-open an account for me.
Consumer complaint received 2024-06-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CREDIT ACCEPTANCE CORPORATION (CA)

I was a victim of Identity Theft. I contacted Credit Acceptance corporation, as my credit report shows an account through them as a repossession that is not mine. The Company Requested me to provide information related to the identity theft. I provided everything they needed from me, and refuse to remove this account from my credit report stating I did not provided enough evidence. Im attaching the communications I had with this company as well as all the information I provided.
Consumer complaint received 2024-09-12
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. (GA)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX MI XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-06-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Management Holdings, LLC (HI)

This collection agency Collection Management Company is attempting to collect a debt that I do NOT owe in the state of Hawaii and they have reporting this false information on my consumer report which violates both FDCPA and FCRA. I demand that they show evidence that they are justified in collecting such debt by providing all requested documents stated in the attached dispute letter. This includes a notarized signed agreement bearing my signature or an assigned agreement from creditor that also bears my signature. Last I check I did not signed anything authorizing this agency to collect on behalf of the creditor that I conducted business with. Additionally, in the state of Hawaii, a debt collector is required to be bonded and have a license to collect, therefore, I am demanding that they show proof that they are allowed to collect in Hawaii otherwise they would be violating the HFDCPA ( Hawaii Fair Debt Collection Practices Act ). If they can not show any of the requested documents then I demand that they cease all collection activity and delete this item from my consumer report.
Consumer complaint received 2024-09-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I noticed unathurized inquires on my report that are inaccurate please remove them XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/year> XXXXXXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2020-09-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (TX)

A balance of XXXX was placed on my credit report by a company named Transworld System Inc/XXXX  I never heard of this company and never had a contract with this company. 


This false information need to be deleted ASAP from my credit report. NO CONTRACT with this company.
Consumer complaint received 2024-06-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: AXOS FINANCIAL, INC. (MD)

I have requested Axos bank to close my account months ago but still got a statement now. I called the bank several months ago to close my account and was told my accounts were closed, but they still sending me bills. 

It is abusing my information and not fulfilling their responsibility to delete my personal data upon requests. I called the bank again and was told that they would close my account- but i was told that months ago too!!! 

this is about account that seems im never able to close!!! plus the bank insists on keeping all my personal data for two years after repeatedly requesting to relate all my personal data! 

I was pretty much duped into opening an account by AXOS marketing info which had fine print that cheated users like me. Once I found out their supposed offer of reward comes with ridiculous terms i asked to close my account and its still not closed!!!! 

Please dont open an account with AXOS bank - dont do it!! you would be harassed from then forever by this institution!
Consumer complaint received 2024-06-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Source Receivables Management LLC (FL)

To whom this may concern back in 2022 I was a victim of identity theft. I reach out to XXXX to remove the inaccurate account or show proof of debt validity. XXXX have failed to do so and sold my information to third party to collection agency to still collect on this debt. Also, I have evidence proof showing another third party collection company also is reaching out to me to collect for this SAME inaccurate account at the SAME time. 

I sent out a debt validation letter to SOURCE RECEIVABLES MNG to remove this inaccurate accounts or to show proof of debt validity. As a consumer I have rights to privacy and nothing should report onto report without my consent. But, I do not owe and not liable for this debt ; also I do not have a contract or agreement with SOURCE RECEIVABLES MNG. 

This is a violation to my consumer rights under the FCRA 15 U.S. Code 1681a ( d ) 1, 15 U.S. Code 1681c-2 ,15 U.S. Code 1681i ( 5 ) ( a ), 15 U.S.Code 1692j & 15 U.S. Code 1682s-2. FDCPA 15 U.S CODE 1692d Harrassament and abusive practices - 15 U.S. Code 1692c ( c ) CEASING COMMUNICATION - 15 U.S code 1692a ( 6 )
Consumer complaint received 2024-06-09
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (NJ)

Chase Ink changed my billing address without my consent or knowledge causing me interest and finance charges. I requested the missing statement and I have paid all the charges I made except the interest and finance charges. I closed the account. I continue to get a statement each much full of only interest and finance charges. I spoke top XXXX from the executive office but nothing happened. Chase ink has reported this account to the the credit bureaus ruining my excellent credit. I had excellent credit before chase did this!
Consumer complaint received 2024-06-09
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: AMERICAN EXPRESS COMPANY (MA)

I received an American Express eGift card and have tried to spend it on XXXX and XXXX XXXX. Despite the gift card saying it's accepted everywhere that accepts AMEX, this does not appear to be true. Both merchants said American Express declined the transaction, although they do accept AMEX credit cards. I have confirmed my gift card balance and the items I'm trying to purchased do not exceed the balance. After searching online, this appears to be a very common issue with AMEX eGift cards.
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act XXXX XXXX Balance : {$390.00} ; XXXX XXXXXXXX Balance : {$680.00} ; XXXX XXXX XXXXXXXX Balance : {$290.00} XXXX XXXX XXXX XXXXXXXX Balance : {$710.00}.
Consumer complaint received 2024-06-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A. (NY)

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX CBNA  XXXX XXXX XXXX XXXX XXXX, SD XXXX Subject : Opting Out pf Authorization for Information Sharing Under 15 USC 6802 Dear : CBNA  ACCT XXXX I hope this letter finds you well. I am writing to inform you pf my decision to exercise my rights under the provisions of 15 USC 6802 of the Gramm-Leach-Bailey Act ( GLBA ) regarding the sharing of my nonpublic personal information.

As a federally protected consumer, I hereby formally opt out of any and all authorizations whether written, unwritten, verbal, non-verbal that I may have previously given to your institution for the sharing of my nonpublic personal information with non-affiliated third parties including the consumer reporting agencies for any purpose.

I wish to exercise my right to safeguard the privacy and security of my personal information and to restrict its sharing with third parties particularly for marketing or other purposes not directly related to the financial services I have with your institution.

Please take immediate action to ensure that my nonpublic personal information is not disclosed to non-affiliated third parties and consumer reporting agencies in violation of my opt-out request.

If you have any questions or require further information to process my request, please do not hesitate to contact me at XXXX or XXXX. I appreciate your prompt attention to this matter and your commitment to respect my privacy rights under the federal law. 

Best, XXXX XXXX XXXX
Consumer complaint received 2024-06-09
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

My father posed away and it was necessary for me to go through the probate process. Since then I have complete probate over 5 years ago yet the hold on my back account remains in place. As executor of the estate I have satisfied all debts. I have gone to the bank seeking resolution and they directed me to the county clerks office. I have contacted the county clerk of courts office seeking resolution to no avail.
Consumer complaint received 2024-06-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Early Warning Services, LLC (TX)

XXXX messed up with my credit profile and provided the information to early warning system that there has been an identity fraud in my account on XX/XX/XXXX XXXX Account Number : XXXXXXXX XXXX  Number : XXXX I asked Early warning system to provide my credit report which they provided but unfortunately when I am trying to dispute this information with Early warning system - there is a technical glitch with Early warning online system with the error message : Invalid registration info, invalid reXXXX response, or not allowed to register from this location. 

this is when I am trying to register to send secure email to them. 

This is a big headache for me as I can not open a bank account for direct deposit for my job. 
when I tried to open a bank account at XXXX, account was opened and then XXXX closed it. When i called XXXX on XXXX XX/XX/XXXX, I was told that due to remarks by XXXX, they are going to close my account. Due to this early closure- I am missing {$300.00} cash back bonus. 
In their XXXX XX/XX/XXXX letter XXXX mentioned that : Please be advised that we may furnish negative information to a consumer reporting agency, including but not limited to, your account being closed
Consumer complaint received 2024-06-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stillman Law Office, LLC, Farmington Hills, MI Branch (GA)

I have received a letter from the Stillman Law Office to collect a debt I know nothing about. I have no idea who this XXXX  is or what he/she supposedly treated me for. Theres no date of service and no explanation of care I supposedly received. The letter we received says, As of XX/XX/year> you owe XXXX. Again, theres no specific details or date. If it were valid, I feel I should have received a bill from the provider first, but we have no such bill and again, I dont know this provider at all.
Consumer complaint received 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc (TX)

In accordance with the Fair Credit Reporting Act. This account ( Affirm, Account Number : XXXX ) 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 then seven years 15 U.S.C. 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. Sections 623 ( a ) ( 1 ) ( A ) and ( a ) ( 1 ) ( C ).

If at any time a person who regularly and in the ordinary course of business furnishes information to one or more CRAs determines that the information provided is not complete or accurate, the furnisher must promptly provide complete and accurate information to the CRA. In addition, the furnisher must notify all CRAs that received the information of any corrections, and must thereafter report only the complete and accurate information. Section 623 ( a ) ( 2 ).