davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-19
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Blackhawk Network Holdings Inc. (TX)

I have virtual prepaid cards attached to my myprepaidcenter profile, I have a lot of cards totaling more than {$1500.00} with short expiration dates. My profile email is XXXX Around XX/XX/2024, I started having problem logging into my profile at myprepaidcenter.com, I waited a day and tried again and got the error to please try agian later. I called myprepaidcenter support on the phone on XX/XX/XXXX, they had me try troubleshooting steps like clearing cookies, changing browsers, devices and networks, I have tried everything but the issue was not fixed. 
I called back XX/XX/XXXX, and the customer representative open a case. The Case number is XXXX. 
I got an email on XX/XX/XXXX that the case was resolved, but it wasn't so I replied with a screenshot showing the error, the case was reopened. Even since that I have multiple emails over the past two weeks asking for an update and a resolution but no update or resolution is given, just the same cope/pasted we are working on it email reply. I even called for an update, the support agent was nice but gave me the same reply as the email, said that the backend can not be contacted and that they will reach out but they have not reached. 

This is straight stealing, but locking me out of my profile, they are not allowing me to get the card numbers to be able to spend the money on the prepaid cards which have short expiration dates, if they expire I lose the funds. 
Please help me!
Consumer complaint received 2023-09-20
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. (NY)

This is erroneous information that affects me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (TX)

I entered into a settlement agreement with XXXX XXXX  XXXX XXXX Credit Card in XX/XX/2020 for {$4400.00}. The payment was processed the first week of XX/XX/. I then received a letter stating that the account was paid off as agreed and the account was closed. Then earlier this year I was contacted by Midland Credit Management collection agency saying that I owed them for the unpaid XXXX account. I disputed it and sent them proof that it was paid, but they are refusing to close the case. They have called repeatedly and sent a letter threatening legal action for a debt that was paid 3 years ago.
Consumer complaint received 2023-10-27
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A. (MD)

I had a store card at XXXX XXXX and without my authorization they closed my store card account and opened up a visa credit card through Citibank. I only found out about this when I tried to pay my store card balance online like I always have using my bank account and the online website said it needed to verify the account and that it would take 3 days to verify it. I called customer service to find out what that meant and they told me that they had opened a visa card in my name instead of my store account and my balance had been transferred to the Visa account. I never authorized this Visa account and I had no knowledge that they were closing my store account to open it. They tried to tell me it was some kind of promotion and I told them I dont want it I just want the store account and they said I couldn't switch back. I had to use the Visa. I went ahead and canceled the account and now they are telling me my payment, which i ended up mailing in, is late because they gave me the wrong address to mail it to. Thankfully I have a tracking number for when my check was delivered and what day I mailed it. Is it legal for them to open a Visa account in my name without my authorization? If it is, why and how is this legal? The late fee was {$29.00} dollars and they charged an additional {$4.00} for interest or some sort of craziness. This seems like such a scam, I don't even know what the apr or other conditions on the card are. I never authorized it and I can't believe this is legal. The fact they gave me the wrong address to send my check to making my payment 'late ' really just makes this seem like even more of a scam.
Consumer complaint received 2023-08-29
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. (TX)

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

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

According to FCRA 605B, it's mandated to eliminate any erroneous accounts from my credit report. Can you review the documents? Certain accounts listed are inaccurately reported. Compensation of {$1000.00} is due for each such inaccuracy on my credit file.
Consumer complaint received 2023-08-29
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. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-29
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: Experian Information Solutions Inc. (NY)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.
Consumer complaint received 2024-04-19
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. (CO)

Subject : Formal Complaint and Request for Investigation and Removal of Unauthorized Charge-off. 
I am formally disputing and request the immediate investigation and removal of unauthorized and inaccurately reported charge-off entries by a third-party collection agency on my credit report. These entries have severely affected my financial standing, disqualifying me from securing a home mortgage, an auto loan, and any lines of credit. 
It is critical to highlight that I have never entered any contractual relationship with this collection agency. Their actions to report on my credit without a direct agreement are not only baseless but also infringe upon my consumer rights, constituting a clear violation of multiple legal standards pertaining to credit reporting and consumer privacy : 1. **Unauthorized Reporting** : The reporting of charge-offs, which are essentially certificates of indebtedness that I have never agreed upon, appears on my credit report without my authorization. This action is in direct violation of the principles that govern lawful credit reporting.

2. **Failure to Furnish Form 1099-C** : The collection agency has also failed to provide me with a copy of Form 1099-C concerning the cancellation of debt, which is essential for accurate tax reporting and compliance. This omission has potentially placed me at risk of non-compliance with IRS regulations.

3. **Violation of Privacy Rights** : Under the Privacy Act of 1974 ( 5 U.S. Code 552a ), there is a stringent protection against the unlawful disclosure of personal information. The agency 's action contravenes these legal provisions by disclosing personal financial details without my consent. 
4. **No Contractual Relationship** : As I have never signed any form of agreement with the said agency, their report constitutes a direct infringement on my rights as a consumer.

5. **Opt-Out Rights** : In accordance with the provisions of 12 CFR 1016.1, 12 CFR 1016.4, and 12 CFR 1016.7 along with 15 USC 6802 ( b ) and 15 USC 6805, I am formally opting out of all authorizations, whether impliedly granted, for sharing or reporting my credit information.

Given these points, I urge you to act swiftly in investigating these claims and remove the inaccurate charge-off entries from my credit report. I expect a written confirmation of the deletion of these entries. Please understand that I am prepared to take further steps, including legal action, if necessary, to ensure the correction of my credit information and to protect my rights. Thank you for your immediate attention to this serious matter. I look forward to your prompt response and resolution.
Consumer complaint received 2023-08-29
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. (NY)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 2018-06-03
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. (MO)

I have disputed the following fraudulent inquiries on my report a few times before in accordance with FCRA, all to no prevail. It is written within FCRA law that if such companies can not present physical documentation then the disputed items shall be forever removed. I have disputed the following and no one presented any physical verification but yet the 3 major credit bureaus still reported as being true. But still no physical evidence inwhich is in direct opposition of the law stated in FCRA. The following disputed inquiries are XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), 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 XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), and XXXX XXXX XXXX XXXX ( XX/XX/XXXX )
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
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.

Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-27
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. (CA)

On XX/XX/2023, I received a copy of my Equifax credit report. On XX/XX/2023, I sent my dispute letter to Equifax, regarding the issuance of my report to parties with no right to see it, and also Equifax reporting of XXXX and it's date of loss. In addition, I discussed my historical problem with Equifax of utilizing non-compliant FCRA data brokers to establish my file and the effect on ID theft. 

Equifax ignored my complaint and responded with a non-response ; they verified a closed account which I did not dispute and sent me a letter regarding same. 

On XX/XX/2023, I responded, to Equifax 's 'non-response ' to my letter of disputes dated XX/XX/2023.
Consumer complaint received 2024-04-19
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. (CO)

Subject : Urgent Complaint and Request for Removal of Improper Charge-off I am writing to formally contest and demand a prompt investigation and deletion of improper charge-off entries reported by a third-party collection agency on my credit report. These entries have significantly damaged my financial reputation, preventing me from obtaining a home mortgage, an auto loan, and additional credit lines. 
It's important to note that I have never had a contractual agreement with this collection agency. Their reporting of my credit data without a contractual relationship is not only unfounded but also violates several legal standards regarding credit reporting and consumer privacy : XXXX. **Unauthorized Reporting** : The charge-offs reported, which are effectively claims of debt I have not acknowledged, are listed on my credit report without my consent, clearly breaching established rules of lawful credit reporting. Also know as certificates of indebtedness. 
XXXX. **Failure to Provide Form XXXX : The agency did not supply me with Form XXXX for debt cancellation, crucial for correct tax filing and IRS compliance. This failure exposes me to potential tax non-compliance risks. 
XXXX. **Violation of Privacy Rights** : This reporting breaches the Privacy Act of 1974 ( 5 U.S. Code 552a ), which offers strict protections against unauthorized disclosure of personal data. 
XXXX. **No Contractual Relationship** : There is no formal agreement between me and the agency, making their credit reporting a direct violation of my consumer rights. 
XXXX. **Opt-Out Rights** : Per regulations under 12 CFR 1016.1, 12 CFR 1016.4, 12 CFR 1016.7, 15 USC 6802 ( b ), and 15 USC 6805, I am officially withdrawing any implied consents for sharing or reporting my credit information. 
Considering these issues, I request an immediate review and removal of these erroneous entries from my credit report, along with written confirmation of this removal. Please be advised that I am ready to pursue further action, including legal measures, to correct my credit information and defend my rights. 
I appreciate your prompt attention to this critical issue and await your swift action and response.
Consumer complaint received 2024-04-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I looked at my credit report on XX/XX/2024 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 who the report relates, XXXX. ) XXXX XXXX XXXX ( Open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate ). Also there is several unauthorized addresses... I sent a letter on XX/XX/2024 asking them to Reinvestigate the completeness and accuracy of the accounts listed but Equifax is making it hard for me to submit my dispute they keep saying I sound like a credit repair company or ask for more identification Can you look into this problem.
Consumer complaint received 2024-02-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (OH)

On XX/XX/XXXX, I purchased pants from this scammer using the brand store name called XXXX on XXXX in the amount of {$120.00}. I never received the item, the scammer never responded to my message on XXXX, theres no customer service or phone number provided on the scam website; therefore I opened the dispute with CitiBank credit card I used to pay this scammer on XX/XX/XXXX. On XX/XX/XXXX, the CitiBank credit card concluded that was my responsibility and reversed conditional credit of {$120.00} on the same date without verifying the tracking number of the item or the proof of delivery. I was provided the letter stating that the dispute was closed and it stated that the merchants response was included but theres no merchants response included in the letter or they didnt provide any information of tracking number or delivery confirmation ; nevertheless they have decided that it was my responsibility and charged {$120.00} back approximately on XX/XX/XXXX. I was trying to obtain the evidence of this fake store and upon checking our conversation on XXXX, i realized that the scammer changed their fake store from XXXX to XXXX I provided all these information to Citibank, and I requested wheres the tracking number for the delivery confirmation or merchants response, they never provided me all of these information and still charged me {$120.00} as of today for the purchase from the scam store that doesnt even exist. I wonder what did they invest if they concluded that was my responsibility without tracking number or delivery information. I need my {$120.00} back that was never delivered from the beginning as the merchant was a scammer and never intended to deliver anything. I also checked upon the squire pay receipt and it had an address and when i checked the address, it was not even store but was a single family home. How could Citibank doesnt know if they did their investigation? Questions are arisen What kind of investigation did they do?