davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-20
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. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have made inquiries without my authorization. This has negatively affected my score.
Consumer complaint received 2024-01-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (NY)

I filed a dispute with Chase Bank regarding a money transfer company called XXXX I used. I filed a complain here against XXXX which is saying that they have refunded the money to Chase through the dispute process. This is the complain number of that previous complaint. 
XXXX. I been dealing with this situation since XXXX XXXX. Chase bank is saying the dispute was lost. XXXX is saying the dispute was won they acknowledged my failure of reciept of payment. They said this was done through visa. I have copies of receipt of everything. This transaction was for {$500.00} dollar I just want my money back.
Consumer complaint received 2024-01-03
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 (CA)

I received multiple AMEX gift cards from my family member. I can't use these cards anywhere. 
These virtual cards are declined online and in brick and mortar stores, at restaurants and grocery stores, or XXXX XXXX  - no one will take these cards. 
I call AMEX customer service and they can not offer me any resolution. They can not tell me where I can use the cards ( their site claims you can use them anywhere that accepts AMEX ). 
They can not transfer my balances for my XXXX unusable virtual cards to a physical card. They can not offer me a refund. 
They do not allow you to use the cards for partial payments, nor do they allow you to charge too close to the total card balance. 
This system seems designed to XXXX  a XXXX XXXX from American consumers. They hold our XXXX  XXXX  XXXX and tell us there is nothing they can do about it. They falsely advertise that their gift cards can be used anywhere that accepts American Express cards.
Consumer complaint received 2020-04-23
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: Experian Information Solutions Inc. (IN)

( 103 true Identity theft ) XXXX  File XXXX XXXX  Report Confirmation:XXXX Experian Report Number:XXXX ACCOUNT NAME : XXXX XXXX Account # : XXXX ACCOUNT NAME : XXXX  Account # : XXXX ACCOUNT NAME : US DEPT ED ACCOUNT NUMBER XXXX ACCOUNT NAME : DPT ED/XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX ( Original Creditor : 12 XXXX ) Account # : XXXX ACCOUNT NAME : XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # : XXXX ACCOUNT NAME : XXXX XXXX ( Original Creditor : 08 XXXX XXXX XXXX   XXXX XXXX XXXX  ) Account # : XXXX ACCOUNT NAME : XXXX ( Original Creditor : 11 XXXX ) Account # : XXXX IVE BEEN TRYING TO REACH OUT TO XXXX  Experian XXXX  BUT THEY ONLY RIGHT ME BACK SAYING ITS VERIFIED PLEASE HELP ME THANK YOU!!
Consumer complaint received 2024-01-03
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (MI)

So I got this {$50.00} AMEX gift card for XXXX and I have been trying to use it for the past week on multiple stores online, and all of my payments decline! I checked the balanced and sure enough there's {$50.00} in there but it wont let me buy anything. The card is just useless now and I dont have {$50.00} anymore. : (
Consumer complaint received 2022-10-27
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX - XXXX DEPTEDXXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 informationisinaccurate.
Consumer complaint received 2024-05-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: We Collect Inc (WA)

Atlas Financial Services has been hired by XXXX XXXX XXXX XXXX to collect a debt from me that is not mine to pay. A vehicle that had been sold by me nearly two months prior to the date of tow was involved in an accident and towed by XXXX XXXX XXXX. I provided WA State Department of Licensing documentation of the sale including the date of sale clearly showing prior to the tow occurring, and Atlas Financial Services continued to contact me with attempts to collect the debt. 

New owner information has been provided to Atlas Financial Services, albeit limited identifying information is available from me.
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY (FL)

XXXX is showing that i have a balance with American Express in the amount of {$540.00} These are not charges I made with my American Epress Card but rather with the primary account holder, I am only an authorized user. 

The primary accout holders charges and balances are being reported to the Credit Reporting Agencies by American Express to my credit report and they are not my charges I have not used my American Express card since XXXX XXXX 

I have tried calling XXXX and they refer me to American Express ( Amex ) when I Call Amex they send me to a call center in XXXX, I have a reference number XXXX they say they are following policy and reporting to the Credit Reporting agnency as required By Law ( quote ). I have told them these are not my charges and should not be reported on my credit report. They either do not care or completely unknowledgble of American Laws. 

I have attach my statement showing I have not made any charges with my Amex issued card since XX/XX/.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nc XXXX To whom it may concern : I was just looking over my credit report and found some addresses thatappear to be incorrect. I enclosed documentation providing proof of mycurrent address, as instructed to do on your website. To make your process ofdeletion easier, here is a list of the incorrect addresses that I am currentlyseeing listed ( which I would like removed please ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There should only be one address listed on my report, which is XXXX XXXX XXXX XXXX XXXX Nc, XXXXXXXX XXXX XXXXXXXX I also noticed that my name appears to be misspelled on my credit report. Myname only has one correct spelling, and there should be no variations listedbecause my name has no variations. My photo ID is enclosed to show thecorrect spelling. Once again, in order to make the process of deletion easier, here are the incorrect spellings I see listed : ( Incorrect Names ) XXXXXXXX XXXX XXXXXXXX XXXX XXXX 

Please remove inaccurate employers as well as listed belowXXXX. XXXX XXXX XXXX. 


Once you have deleted the inaccurate names and addresses from my creditreport, please send me a copy of my updated report. 
Thank you, XXXX XXXX
Consumer complaint received 2024-01-02
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (FL)

A sales representative knocked on my door asking me to try their XXXX XXXX product ( XXXX XXXX ). He said that the service was free for the first month, and that if I did not like the product I could return it within 30 days of set-up. Their equipment shipped out to me on XX/XX/XXXX. Their XXXX product consistently failed and I shipped the product back with a return label provided by XXXX on XX/XX/XXXX. I have email documentation. Afterward, I received a bill from XXXX for {$25.00} for billing period XX/XX/XXXX - XX/XX/XXXX. I contacted XXXX via phone. I asked if they had mistakenly charged me for the XXXX service, but they couldn't find me in their system. I was asked to contact their Fraud Department. I did and they were not able to help. I was asked to contact their Finance Department. I gave the finance department an account number on the bill they sent me. They verified that it was related to the XXXX equipment and also verified that I had returned the equipment within 30 days of set-up. They stated that they had created a cancellation ticket to remove the charge ( below ). 

Ticket # to reverse charge - XXXX I was told that it would take 1 to 2 billing cycles for the reverse charge to appear. They apparently did not correct anything, and in XX/XX/XXXX I received a collection notice from a debt collection company by the name of XXXX. I called XXXX and they stated they could not speak to me because it was not with the debt collection company. So I emailed XXXX all the documentation along with the information stated above. They did not respond after receiving my documentation. I assume they realized the debt was not legitimate. They apparently sold or transferred the debt to another company. I received a debt collection letter from Jefferson Capital on XX/XX/XXXX stating the debt was owned by them. I called Jefferson Capital and asked for an email address so that I could forward all the documentation I had previously sent to XXXX. They would not provide an email address and stated that I would need to mail any documentation. It seems that these companies can just keep transferring an illegitimate debt around and wasting my time with it.
Consumer complaint received 2024-01-02
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings (FL)

Had a XXXX and it was no longer safe to live on my own so needed to end lease early. Communicated with leasing office regarding this and when I moved out I was told there was no balance and that my account had been squared away. I was paid ahead on rent and had never paid late. 
Had to move and did not update my mailing address because I was told by the leasing office that I was good to go. Found out in XXXX that I had a {$2000.00} debt. Tried contacting IQ Data where I was threatened and harassed DAILY about this debt after I called them to inquire. They would not let me create an account to pay online because the debt was too new however they threatened to send me to collections because I was negligent and hadnt paid on this old debt. I contacted the leasing office and XXXX to attempt to set up a payment plan and was told this was not an option. 
I would make payments and would be told that if I didnt pay it in full that day my account would be sent to collections and that I needed to take an advance out on my credit card so that I could pay this debt or else.
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (IL)

On XX/XX/2023 I sent notices to your company due to your erroneous reporting to the Credit Bureaus, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you regarding the following : Please provide me with : 1. What the money you say I owe is for.

2. A detailed explanation of how you calculated what you say I owe.

3. Copies of any and all papers that prove I agreed to pay what you say I owe.

4. A verification or copy of any judgment, if applicable.

5. The identity, name, and address of the original creditor.

6. Proof that the Statute of Limitations has not expired on this account.

7. Proof that you are licensed to collect in my state.

8. Your license numbers and Registered Agent or Agent of Service.

At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus XXXX XXXX XXXX XXXX XXXX XXXX this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : 1. Violation of the Fair Credit Reporting Act 2. Violation of the Fair Debt Collection Practices Act 3. Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Consumer complaint received 2018-11-26
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. (MN)

Please delete all allegations which are not demonstrated in clarity to be true, correct, complete, timely, mine, my responsibility, or else wise fully compliant.. I disputed the accounts but Equifax failed to send me evidence of the accounts in question.. XXXX XXXX XXXX XXXX , XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX, XXXX XXXX XXXX
Consumer complaint received 2024-01-02
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: CREDIT ACCEPTANCE CORPORATION (GA)

Happy new year, I am writing to inform you about the unfortunate passing of the primary borrower, [ XXXX XXXX ], who held an auto loan with your institution. I co-signed the loan with [ him/her ] and have been diligently attempting to maintain the payments since her passing in XXXX. 

Despite my efforts, the car has been towed away, and I am left in a challenging situation. I am reaching out to request your understanding and cooperation in managing the collection process for the outstanding balance. Given the circumstances, I would appreciate any assistance or guidance you can provide to navigate this matter. 

I understand the importance of fulfilling financial obligations and preserving the integrity of my credit. However, the loss of the collateral has added complexity to the situation. I am willing to work with you to find a resolution that is fair and manageable under these circumstances. 

I kindly request your consideration and would appreciate any information or documentation required to facilitate the deputation of collection in light of these unfortunate events. Please feel free to contact me at [ XXXX ] to discuss this matter further. 

Thank you for your understanding and cooperation. 

Sinc
Consumer complaint received 2023-05-02
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)

15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) BLOCK Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

the information was not requested to be blocked in error or a block was requested by the consumer in error ; also this the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; and before receiving any good and services My information is a result of identity theft before I the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 


PLEASE SEE ATTACHMENTS
Consumer complaint received 2023-04-10
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2023 I wrote and mailed Transunion asking that they investigate and remove the negative items that are on credit report. As a consumer I have rights and understand the laws that apply to me. Today marks XX/XX/2023 and as I have pulled my report once more nothing has been done about this matter. I am beyond furious with this company as they aren't complying with their own policies and procedures. The deadline was XX/XX/2023 to investigate my report and remove those items, however it has not been completed in the timely manner now I am demanding that each item I listed negative on my credit be removed immediately or my next step is go file an official complaint with the State Attorney General 's Office.
Consumer complaint received 2024-01-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC. (VA)

The debt is still on my credit report. The debt is too old to be collected and has already been removed from my report by Midland Credit Management, however it is once again back on my credit report. I want the debt that Midland Credit Management is trying to once again collect to be removed from my report. I have contacted them on numerous occasions, however they keep putting it back.
Consumer complaint received 2024-01-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FIRST PORTFOLIO SERVICING INC (GA)

Total Visa credit card I had gotten behind and it became a chargeoff account and I paid the settlement in amout of {$420.00} total need to.remove.this account XXXX XXXX XXXX is not in business no more. This account belongs total visa and they need to remove the entire account from my credit report.
Consumer complaint received 2024-01-02
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Comerica (IL)

Try to call customer support to ask why they started charging fees for ATM withdrawals. 
Like ALWAYS a recording says to call back during non peak hours and hangs up on me. 
This is a government benefit card that people rely on to live and are not even put on hold!
Consumer complaint received 2018-11-26
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: Cogent Road, Inc. (CA)

This is following up on a complaint I submitted on XX/XX/18. A firm named XXXX XXXX/XXXX   XXXX XXXX pulled a tri-merge credit report without my authorization. 

XXXX XXXX  responded that the credit pull was in error and they were going to remove it from my credit report. 

I have waited three months and this inquiry has not been removed. I never authorized this company to pull my credit and I want it removed
Consumer complaint received 2024-01-03
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Chime Inc. (NY)

On XX/XX/2023 I forwarded {$2000.00} in XXXX currency through Sendwave to a relative in XXXX. I was told shortly after that they were unable to deliver the money due to an issue with the bank in XXXX. They asked what I would like to do, giving me the option to send the money in smaller increments or gey a refund. I chose to get a refund, so I was told that I needed to fill out a refund form. I initially sent incorrect information but then corrected my error. They said they were unable to process the refund and that I needed to check with my bank. The card I used was compromised and my bank cancelled it and replaced it so I gave Sendwave the new card number. They kept continually asking me to fill out a refund form. I explained that I had numerous times. They then said they could not use the card I submitted and did I have another card which I do not. Then they asked for my banks fedwire routing number which I provided. The latest request that I received from them asked me to fill out a refund form.This has been going on for over three months of emails. They also said they would send the refund by check. Please help me resolve this problem.
Consumer complaint received 2024-05-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (CA)

About XXXX  years ago my personal information was stolen, back in XX/XX/year>. Many accounts were opened fraudulently under my name. I have disputed countless accounts and have been trying to clean my name and credit health since. About a year into this mess I found out I could freeze my credit and so I did. That fixed the problem temporarily. Years later I have random collections accounts pop up on my credit report. This being another instance. This is not the first time this company has tried to receive money from me. A little research shows poor reviews and many complaints against them. At this point its harassment. My credit always takes damage because if this. The company is Southwest Credit Systems and even after disputing the collections accounts they keep coming back.