davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-12
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc. (VA)

I am confident that someone is tampering with Vanilla Gift Card. In the following I will give you my reasoning. 
I received a gift card on my birthday around mid XXXX. As you can see in the picture the card was bought 3 days before the birthday party. Once I opened the card the last 4 digits of the card was not visible. I tried to reflect the card in the light and was able to retrieve the last 4 digits by checking the vanilla gift card website and try couple of times and I saw that it had XXXX $ balance. Also the packaging has never been opened, so I was really the first one you opened the package. 
I wrote the card number somewhere safe and kept it at my desk. 
Today, almost 2 month after by birthday, I tried to use the card at local store. The card swiping did not work ( red flag ), but I ignored it and I said I will try to purchase something online with the card given that I had the numbers. 
I tried to check the balance to know how much I can spent ( I forgot the original value ), when I entered the number at the Vanilla Gift card site, I saw that there has been a purchase done to the card at some XXXX  store 2 weeks after the card was purchased. You can see in the attached document. When I called vanilla gift card they asked for the receipt of purchase ( very unreasonable ) to even start investigating this obvious fraud. I will try to talk to the person who gave me the card to retrieve the receipt and see if something might happen. But this clearly shows something is wrong with VanillaGift card company. The support center is very shady and I had this problem where the last 4 digits was scratched before but since the balance was so low I did not bother to pursue. 
I think the scam scheme involves someone tampering with card numbers and swiping magnet and then later getting the exact equivalent from a XXXX  store.
Consumer complaint received 2018-05-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Viking Client Services (SC)

I utilized XXXX XXXX 's services during a trip to New York during the dates of XX/XX/XXXX to XX/XX/XXXX. During the trip, I incurred an additional cost due to tolls, when I did not opt-in to their toll program. However, during the vehicle drop off, I was told that no such costs were incurred and I did not owe any additional money other than what was originally agreed upon. I received a receipt for the agreed upon amount that I paid. 

2 months later I received a bill from a debt collection agency for those tolls costs. XXXX XXXX never attempted to reach out to me to get me to pay the fee. It was immediately sent to debt collection with Viking Debt Collections, and because of it I took a serious hit to my credit score. My contact information was available to XXXX.
Consumer complaint received 2023-09-26
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. (NJ)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2023-10-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (VA)

Phoenix Financial sent a letter to collect a debt for XXXX XXXX XXXX XXXX XXXX XXXX It was in my maiden name which wasnt my name at the time this supposed ambulance ride occurred. It hadnt been for 9 years. It was for a person I do not know. I responded to the letter that this was not my debt. They sent out a second letter which generated a statement. I called the number telling them this debt is not mine, I did not know this person. He was very rude and combative. He had my phone number and the last 4 of my SS, which was very alarming. He insisted I verify if the last 4 belonged to me and got very angry when I told him I wouldnt verify that information. I just got a third letter telling me I needed to provide proof of identity theft. Which.. this happened apparently 3 years ago ( XX/XX/20 ) and Im just finding out about it now. The person was XXXX XXXX XXXX at the time they were transported and this debt occurred. I have asked them to disassociate me from this debt via telephone and by their website. Yet, the third letter still came. I need to find out how to remove my name from this debt and get them to stop harassing me about it.
Consumer complaint received 2023-10-12
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)

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2023-09-15
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: ADP Inc. (CA)

Stolen money from my account in 3 day with a set up limit of XXXX total of XXXX after the investigation they said there no problem and 2 transactions made on different county 's at the same time no results of investigation and also happening to 3 my XXXX coworkers the payroll card company name is wisely by adp baked by XXXX XXXX XXXX
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (TX)

In accordance with the fair credit Reporting act XXXX account # XXXX, has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 16666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

I have recently checked my credit report and noticed this account that did not belong to me. In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXXXXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 had reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2023-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (SC)

This has been on going since XXXX of this year and i believed XXXX had successfully resolved it when i filed with CFPB in XXXX but it seems all the credit bureaus are still reporting it as a mortgage and not a installment loan.
Consumer complaint received 2023-10-12
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. (AZ)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX AZ XXXXXX/XX/XXXXXXXX Balance : {$0.00} ; XXXXXX/XX/XXXXXX/XX/XXXXXX/XX/XXXX
Consumer complaint received 2023-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

This has been on going since XXXX of this year and i believed XXXX had successfully resolved it when i filed with CFPB in XXXX but it seems all the credit bureaus are still reporting it as a mortgage and not a installment loan.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I am writing to dispute inaccurate information that appears on my consumer report maintained by your agency. The inaccurate information pertains to the date opened and payment status, and it is adversely affecting my creditworthiness and financial standing. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information reported by consumer reporting agencies. Upon reviewing my credit report, I have identified the following discrepancy : XXXX Acct # XXXX Date opened inaccurate. 
Payment status inaccurate. 

I request that you investigate this matter in accordance with the FCRA guidelines. Please delete or correct the inaccurate information from my consumer report as soon as possible. Enclosed with this letter are copies of documents that support my dispute. [ If applicable, provide any supporting documents such as payment receipts, letters from creditors, etc. ] I kindly ask that you promptly conduct a thorough investigation into this matter and notify me of the results within 30 days, as stipulated by the FCRA. If you find that the information is indeed inaccurate, please remove it from my consumer report and provide me with an updated copy of my corrected report. 

I appreciate your prompt attention to this matter and your adherence to the legal requirements outlined in the FCRA. I trust that you will handle this dispute with the urgency and accuracy it deserves.
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IA)

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, USDOEXXXX Account number : XXXX XXXX Account number : XXXX USDOEXXXX  Account number : XXXX USDOEXXXX Account number : XXXX XXXX Account XXXX : XXXX XXXX XXXX XXXX Account number : XXXX, has violated my rights. 

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

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I am writing to dispute inaccurate information that appears on my consumer report maintained by your agency. The inaccurate information pertains to the date opened and payment status, and it is adversely affecting my creditworthiness and financial standing. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information reported by consumer reporting agencies. Upon reviewing my credit report, I have identified the following discrepancy : XXXX Acct # XXXX Date opened inaccurate. 
Payment status inaccurate. 

I request that you investigate this matter in accordance with the FCRA guidelines. Please delete or correct the inaccurate information from my consumer report as soon as possible. Enclosed with this letter are copies of documents that support my dispute. [ If applicable, provide any supporting documents such as payment receipts, letters from creditors, etc. ] I kindly ask that you promptly conduct a thorough investigation into this matter and notify me of the results within 30 days, as stipulated by the FCRA. If you find that the information is indeed inaccurate, please remove it from my consumer report and provide me with an updated copy of my corrected report. 

I appreciate your prompt attention to this matter and your adherence to the legal requirements outlined in the FCRA. I trust that you will handle this dispute with the urgency and accuracy it deserves.
Consumer complaint received 2023-04-18
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)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to XXXX Credit bureaus the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means 3 credit bureaus have NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2100.00},
Consumer complaint received 2023-10-12
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: EQUIFAX, INC. (CA)

My credit report is showing late payments to XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX  customer service representative.
Consumer complaint received 2023-10-12
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: EQUIFAX, INC. (NC)

The unverified accounts 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 accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX Balance Owed : {$540.00} ; XX/XX/Balance Owed : {$4000.00} ; XX/XX/XXXXXXXX  Balance Owed : {$1800.00} ; XX/XX/XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX XXXX Balance Owed : {$3300.00} ; XXXX XXXX  Balance Owed : {$1800.00} ;XX/XX/XXXXXXXX XXXX       Balance Owed : {$3200.00} ; XX/XX/XX/XX/Balance Owed : {$1700.00} ; XXXX XXXX   Balance Owed : {$3300.00} ; XXXX XXXX   Balance Owed : {$2500.00} ; XXXX XXXX   Balance Owed : {$1800.00} ; XXXX XXXX   Balance Owed : {$2500.00} ; XX/XX/50000XXXX Balance Owed : {$1800.00} ; XXXX XXXXXX/XX/XXXXBalance Owed : {$2500.00} ;XX/XX/XXXXXXXX XXXX  Balance Owed : {$4200.00} ;XX/XX/XXXXXXXX XXXX   Balance Owed : {$2500.00} ; XX/XX/XXXX Balance Owed : {$4200.00} ; XXXX XXXX Balance Owed : {$3200.00} ; XXXX XXXX  Balance Owed : {$1800.00} ;XX/XX/XXXXXXXX XXXX Balance Owed : {$1800.00} ; XXXX XXXX Balance Owed : {$3300.00} ;XX/XX/ XXXX Balance Owed : {$2500.00} ; XXXX XXXX  Balance Owed : {$1800.00} ;XX/XX/ XXXX Balance Owed : {$2500.00} ; XX/XX/ XXXX  Balance Owed : {$4200.00}.
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-08-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

on XXXX XXXX i disputed a collection that was wrongfully placed on my consumer credit report.the collection company XXXX XXXX XXXX XXXX and XXXX XXXX has DELETED /REMOVED the collection of my report ON but XXXX and transunion is still have it reported, this is a violation of my rights, its a violation of my privacy they are reporting inaccurate information on my consumer credit report and that needs to change.my rights has been violated under 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2024-04-05
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. (TX)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2023-10-12
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

USAA sent me an American Express credit card that I did not apply for in XX/XX/XXXX. I called to let them know and they said it was taken care of. XX/XX/XXXX I received communication from USAA regarding the address on my XXXX  account so I called again on XX/XX/XXXX and after multiple phone transfers including a fraud specialist ( XXXX  ) and someone in XXXX  XXXX  ( XXXX ) I was told again it was taken care of. XX/XX/XXXX I received communication from USAA regarding New Benefits applicable to my credit card so I called again. I did not note the name of the person i talked to but was assured the account was closed and the only mail going forward would be in regards to the account closing or fraud. I was never informed that charges had been made to the card or that there was a balance. I also did not receive any statements for the credit card. XX/XX/XXXX I received a call from a collection agency regarding my USAA Credit Card account with a balance of {$9800.00} that had been " charged off ''. The collection agency indicated there was a Florida address connected to my account and I have never lived anywhere in Florida. I called USAA again and after XXXX hours on the phone and talking to XXXX different people it is still not resolved. I have tried to log into USAA online to change any password information and the account is locked. This debt is on my credit report and it is not mine. This account was opened fraudulently in my name. I have frozen my credit reports to prevent further fraud. This fraudulent account needs to be removed from my credit report as it is having a negative impact on my credit. I have filed a report with the local authorities and my identity theft insurance. I have received nothing from USAA to even indicate that they are investigating this situation.