davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-08
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc. (LA)

On XX/XX/2023 I purchased a Vanilla Gift Card from XXXX and loaded it with {$500.00}. When I got home, I opened the gift card packaging to discover that the card was some sort of scam. A photocopy of a barcode was placed in the packaging and resealed in such a way that it was not obvious it was tampered with. 

On XX/XX/2023 I called InComm to inform them of the issue and start a case. The case number was XXXX. I submitted to them all the requested documentation by email to XXXX. This included the original receipt, the front and back of the card and my driver 's license. 

About 30 days later I received a replacement card in the mail. The replacement card had a value of {$0.00} instead of the {$500.00} that was loaded to the card. 

I contacted InComm to tell them of the {$0.00} replacement card. They stated that they would send me another replacement card. 

About 1 week later I received the second replacement card and this one also had a {$0.00} value. On XX/XX/2023 I again called InComm to tell them of the issue with the second replacement card. They said that they would check into it but I have heard nothing further from them. 

It has now been 2 months since my original purchase and starting the case with InComm, and there has been no resolution.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-09-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (CA)

When I requested the documents they were asking me questions about why I wanted to request them. Not that it's their business but I registered my new business and I needed them for tax prep after refusing to mail them to me told me they would email them to me I do not feel comfortable then being in my email account it's not a secured endpoint and requested that they did not send them to my email I need them printed out on paper and sent to me I was never given anything that told me that I was waving my rent to request those financial documents so I figured it was perfectly fine too and after asking each and every manager they had but still told there's nothing they could do they can only email. I don't think it's right if you trust it an establishment with your bi-weekly income and they can't give me my statements on paper so I can go properly through all the transactions pick out the unauthorized charges. and inform them of the purchases that I did make. And aren't showing up especially if they're related to my business..
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank (GA)

There are XXXX satisfied accounts from XXXX XXXX on my credit report that I have been requesting for removal for over XXXX  days. The company only has a fax number in which I have faxed several requests, and the XXXX XXXX has failed to respond. 

XXXX XXXX has poor communication and most of their agents provide incorrect information whenever someone is available to answer calls after several attempts to contact them.
Consumer complaint received 2024-04-23
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. (MD)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States 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 2023-11-09
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: General Motors Financial Company, Inc. (AK)

In XXXX, I opened a lease with GM Financial. The car was repossessed about a year later. I have since reconciled the account and closed the account. I have tried several times calling GM Financial and requested that it be removed from my credit report and it still shows on my XXXX credit report. When I have contacted GM Financial I was told by several different representatives that the account was settled and closed but they could not provide any assistance or explanation as to why the account is still on my credit report. I am unable to purchase a new card due to this account still showing on my credit report.
Consumer complaint received 2023-04-25
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: Experian Information Solutions Inc. (CA)

Agencies do not always update information on credit reports in a timely manner, which can lead to inaccuracies and inconsistencies on my report. I do not always have access to all of the information that is being reported on my credit report, making it difficult to identify and dispute errors or inaccuracies.
Consumer complaint received 2024-04-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

I've consistently made sure payments on this account are timely, avoiding any overdue situations. I'm uncertain why there are reports of late payment comments on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2024-04-30
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)

PLEASE BLOCKED AND REMOVED. 
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

Late Payments To ensure that the creditor report 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following late payment information therefore needs to be re-investigated. 



I request to provide proof of this alleged late payments, and payment history. I am maintaining a careful record of my communication with you for the purpose for filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, you may be liable for your willful non-compliance if the validation of the debt requested isnt completed. 



Please have the creditor provide the validation documents to the XXXX  as well as certified mail to me. Its extremely important that creditor provide the documents to the XXXX  to ensure fairness and that they are not brushing me off. Thank for your assistance. 



If creditors can not provide the requested payment history and documents, please have the late payments removed from my credit file
Consumer complaint received 2023-04-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Commencing on or about XX/XX/2022, I fell victim to two multi-layered scam operations run by XXXX and XXXX which involved me making deposits for a total amount of XXXX USD from my XXXX  XXXX account to Bank of America at the instructions of the scammers. 
In providing its services, financial institutions as registered and licensed Payment Service Providers, are required by law to exercise the care and skill of a diligent, prudent banker. In this case, this means that the payment service provider should not turn a blind eye to known facts pointing to a real possibility that their customer is a scammer or is involved in potentially fraudulent activity.
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Synovus Bank (CO)

The company reported my account delinquent in XX/XX/23 but I was never delinquent. I sent multiple letters to the credit bureau to get First Digital to provide proof and validation they have refused to do so. Now theyre reporting me as over there limit on my account and not. They charged me a late fee and I was not late. I spoke to first digital and they have refused to solve the problem. 

This has been an ongoing concern with this credit card company. Theyre being malicious and reporting incorrect account information
Consumer complaint received 2024-07-04
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. (FL)

I am writing to dispute the representation of three accounts from XXXX XXXX XXXX XXXX XXXX XXXX on my credit report, which I believe violates my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, these accounts infringe on my privacy rights as stated under 15 U.S.C 1681 Section 602 A. Furthermore, in accordance with 15 U.S.C 1681 Section 604 A Section 2, a consumer reporting agency should not furnish an account without my explicit written instruction, which has not been provided in this case. I urge you to conduct a comprehensive investigation into these accounts. If inaccuracies are found, I request their immediate correction or removal from my credit report. Please contact me for any additional information needed. Thank you for your prompt attention to this matter.
Consumer complaint received 2023-04-26
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: HW Holding, Inc (PA)

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 U.S.C 1681 XXXX XXXX XXXX XXXXXXXX XXXX Credit report HUNTER WARFIELD , INC XXXX XXXX XXXX XXXX XXXX XXXX credit report .15 U.S.C 1681 section 602 A state I have the right to privacy. 15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than seven years. 15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a consumer reporting agency if the person knows or has reasonable
Consumer complaint received 2024-04-27
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)

I previously disputed this account with XXXX and XXXX XXXX XXXX XXXX XXXX. I let them know this account was not reporting accurately. According to the IRS when an account is charged off it is considered income, and according to the FCRA income can not be reported on your credit report. I received a 1099c ( CANCELLATION OF DEBT ) from XXXX in regard to the following charged off account. XXXX XXXX XXXX XXXX. XXXX XXXX southeast received a corresponding tax deduction for the uncollected amount associated with this charge off and I had to file the balance of {$3300.00} as income on my taxes! This account can no longer be reported to my credit report. This violates my rights per the FCRA, this is also tax fraud on XXXX 's part.
Consumer complaint received 2019-07-12
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TIDEWATER FINANCE COMPANY, INC. (IL)

Tide Water continues to call my home number, my cell number and my childhood home number. Trying to collect on a debit that they are stating is out there on my maiden name. I have not used this name in over 16 years. Also my credit has been frozen for almost 2 years as my purse was stolen. I have also checked my credit report and there are no red flags on my credit that I have any unpaid debts. 

There has been no contact from this company in writing on what the debit is or how much is owed. From my understanding they would have had to do this with in 5 days of the original phone call. I believe the first call I received was back in XX/XX/2018. 

Because of all of this I believe this company is a scam. I need them to stop harassing me and my family will the obscene amount of phone calls.
Consumer complaint received 2024-07-05
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. (TX)

I submitted disputes that were absolutely useless online. Instead of fixing the issue with a fraud inquiry, I was instead denied and added another fraud inquiry that had already been resolved with another credit bureau. I find it extremely unprofessional and unethical to add another problem to resolve. I have sent out a letter with important identification and FTC report that better fix the previous issue in addition to the current incorrect information reported on my credit report. The first fraud inquiry that was found was on XX/XX/year> while the second fraud inquiry was ADDED from XX/XX/year>. What is the point of filing a dispute online when the investigation service is absolutely terrible and reports false information.
Consumer complaint received 2023-04-26
Product: Credit card or prepaid card — Store credit 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: Client Services, Inc. (MI)

XXXX store card belonged to my wife who passed away in XXXX and the card kept being charged. I tried to have the card stopped and report this but they ignored me. Not only did I lose a ton of money while still working during COVID but I was hit by a car while at work on XX/XX/XXXX and I am totally XXXX per XXXX. This should NOT be on my credit and I should not be responsible for this charge as many others that happened due to my wife 's account being stolen after her death  and illness.
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-04-26
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: Experian Information Solutions Inc. (DE)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-26
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: Experian Information Solutions Inc. (TX)

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-26
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. (NJ)

This complaint is my follow-up complaint to my previous complaint dated XX/XX/XXXX. 
This complaint will also serve as a notification to investigate the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XXXX XXXXXXXX XXXX has violated my privacy and FCRA rights and law this account is paid XXXX XXXX through my payroll as payment This also violates 15 U.S.C Sec 1681i ( a ) 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 a account without my written instructions.

15 USC 1666B : 15 U.S.C Sec 1681i ( a )
Consumer complaint received 2023-11-22
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I would like to report suspected fraud. Over the last week, several credit cards and mail from credit cards have been sent to my house for someone who doesnt live at my address. Ive rented this home for over two years and have just recently seen this name.

Credit related mail has been sent to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have several correspondences from XXXX XXXX XXXX, Capital One, XXXX XXXX XXXX and a few unmarked envelopes. XXXX XXXX doesnt live at my address and hasnt at least since I moved in on XXXX XX/XX/2021. Ive also contacted the home rental management company and they have no record of XXXX XXXX.