davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-07
Product: Prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Blackhawk Network Holdings Inc. (CA)

Ever since " Happy '' Cards have been more difficult to come by, I have tried to buy " XXXX  '' and " XXXX ( Paper ) '' gift cards to shop at various merchants listed on the packaging. However, the quality of these gift cards is not as good and sometimes the cards have PINs with coverings that are hard to scratch off, that scratch off too easily ( thus removing the PIN ), or have already been scratched off before purchase. 

I had outstanding refunds with Blackhawk Network ( BHN ) since approximately XX/XX/2023. On XX/XX/2023, I received a large number of e-mails with " replacement '' XXXX e-gift cards, but I can not tell which card replacements go to which original cases, nor can I tell the final status of where all of my money is. I received 13 e-gift cards on XX/XX/2023, marked as case XXXX. 

The original cases are : XXXX. XXXX ( was : XXXX ). XXXX. XXXX. XXXX. XXXX. XXXX. XXXX. XXXX ( old : XXXX ( old : XXXX ) ). XXXX ( was XXXX ). 


I need a detailed accounting of all cards and funds associated with these cases as well as where the refunds or replacements went, and what the exact status is of all such replacements. A spreadsheet with specific dates and amounts will be helpful, as well as internal e-mails and communications.
Consumer complaint received 2022-10-19
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. (AL)

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 USCC 1681. 
XXXX XX/XX/XXXX past due {$190.00} credit limit {$1800.00} Balance {$180.00} XXXX XXXX Bank XX/XX/XXXX XXXX XXXX {$200.00} Credit Limit {$300.00} XXXX {$870.00} XXXX Finance current XX/XX/XXXX credit limit {$2500.00} Balance {$10.00} XXXX Account Portfolio Recovery XX/XX/XXXX open and reported XX/XX/XXXX open Balance {$1700.00} XXXX Account XXXX XXXX System open XX/XX/XXXX reported XX/XX/XXXX open balance {$220.00} XXXX Account/ Eastern Account System, XXXX XXXX  XXXX open XX/XX/XXXX reported XX/XX/XXXX open balance {$200.00} XXXX Account XXXX Account XXXX, XXXX XXXX reported XX/XX/XXXX open balance {$88.00} XXXX Account XXXX  Univers open XX/XX/XXXX reported XX/XX/XXXX closed Balance {$1600.00} XXXX Account XXXX XXXX  Credit open XX/XX/XXXX reported XX/XX/XXXX closed Balance {$3100.00} XXXX XX/XX/XXXX past due {$2200.00} high balance {$2200.00} account XXXX XXXX XX/XX/XXXX past due {$42.00} high balance {$250.00} balance {$210.00} XXXX. XXXX XX/XX/XXXX current high balance {$320.00} XXXX XX/XX/XXXX current {$0.00} XXXX XX/XX/XXXX current high balance {$980.00} XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX reported XX/XX/XXXX closed balance {$1400.00} 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section States : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681sXXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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

Account name : XXXXXXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX Original creditor : XXXX XXXX  # XXXX, XXXX  XXXX # Account number XXXX, XXXX/XXXX  Account number 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or 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 2023-06-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (IL)

I was contacted by a XXXX XXXX to invest in XXXX trading. Between XXXX and XXXX of XXXX I invested {$160000.00} of my XXXX funds through Coinbase and XXXX into XXXX  trading. I earned a total of {$340000.00} as of XX/XX/2023. On the next day I was unable to access my account as the website was shut down and the XXXX XXXX was no longer answering my messages and phone calls.
Consumer complaint received 2022-10-19
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. (CA)

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

This letter is to notify you if you do not BLOCK OR REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00}, XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$500.00}, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$390.00} XXXX and XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00}.
Consumer complaint received 2023-11-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I do not consent to electronic communications. I request all responses be in writing through the USPS Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below XXXX XXXX XXXX
Consumer complaint received 2022-10-19
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: EQUIFAX, INC. (VA)

My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-09
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. (GA)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.
Consumer complaint received 2023-09-28
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. (NY)

This is one of my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following inquiries : XXXX XXXX XX/XX/2023 and XXXX XXXX XX/XX/XXXX, XXXX. Please remove these inquiries ASAP.
Consumer complaint received 2023-08-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Alorica Inc. (AZ)

I have a loan with SST. They claim I missed my XX/XX/XXXX payment. I provided them with my XXXX bank statement and a text, sent by SST, confirming that the payment was made. They continue to send emails and texts telling me that I must bring my acct up to date. This XXXX I received an email telling me I did not pay my XXXX payment. This email included late fees so I sent them my XXXX bank statement and the text, sent by SST, confirming that the XXXX payment was made. They continue to harass me daily even after I provided paperwork to verify both payments. I have called at least 5 times but to no avail. I need help.
Consumer complaint received 2022-10-19
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. (NC)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-03-23
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Advance America, Cash Advance Centers, Inc. (AZ)

I had a line of credit with them that was setup for autopayments. For some reason they claim that they were unable to collect payment for several pay cycles even though they had the correct banking info. I learned about this after they drafted {$300.00}. So they were able to take {$300.00} out after they closed the account for non-payment but could take the regular payments. They call me between XXXX XXXX almost every day. I have told them they are calling me outside the allowed time and that it is XXXX. They called this XXXX at XXXX my time. I have on 3 previous occasions I live in XXXX  and the time they are calling. On XX/XX/XXXX they call at XXXX and XXXX XXXX. XX/XX/XXXX at XXXX, XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX.
Consumer complaint received 2023-12-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (MN)

I have an official email stating that my SSN does not match my XXXX form. I called and provided the proper documents, only to wait a week before I called back and they said it was invalid. I waited and they said they would send it over to a specialized unit to oversee the problem. Every time I call customer service something new is a problem. They said my form of ID was not valid, so I submitted my work authorization, my passport and my state ID. They continue to say it's invalid as it does not match the address I have on my file. So in order to do anything I would have to get a new ID with my new address. Which will take XXXX weeks. This problem has been going on for the whole month of XXXX, as every time I call customer service they say the same thing. I even know to what extent they could help me and they don't have any supervisors that I would be able to talk to over there.
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 — Credit inquiries on your report that you don't recognize
Company: CORELOGIC INC (VA)

None of the names and dates listed below under my hard inquiries are recognized by myself nor were they authorized by myself and I have tried to have them removed by contacting the companies as well as by disputing them however they are still showing. 

XXXX XXXX  Reported on XX/XX/XXXX CREDCO Reported on XX/XX/XXXX XXXX XXXX Reported on XX/XX/XXXX XXXX XXXX Reported on XX/XX/XXXX XXXX XXXX  Reported on XX/XX/XXXX XXXX XXXX Reported on XX/XX/XXXX XXXX XXXX Reported on XX/XX/XXXX CREDCO Reported on XX/XX/XXXX CREDCO Reported on XX/XX/XXXX XXXX XXXX Reported on XX/XX/XXXXXXXX XXXX XXXX
Consumer complaint received 2022-12-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Account Name on XXXX is XXXX XXXX XXXX XXXX, Account Name on TransUnion is XXXX XXXX XXXX , Account Name on XXXX is XXXX XXXX XXXX ... . Account Number on XXXX is XXXX, Account Number on TransUnion is XXXXXXXXXXXXXXXX, and Account Number on XXXX is XXXX ... XXXX 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # all of the ones above, 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
Consumer complaint received 2023-05-22
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. (FL)

I am interested in processing disputes on my credit report with experian to delete an remove all inaccurate information on my credit report that is invalid an needs to be removed. please review the information filed. this has been a issue for years that has gotten no response an is hindering my file. delete all information processed asap.
Consumer complaint received 2022-10-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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

XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX 15 U.S.C 1681 Section 602 A. states that I have the right to privacy 15 U.S.C 1681 Section 604 A. Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information and any other adverse item of information, other than records of convictions of crimes which antedates the repot 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 2022-10-19
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. (OH)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other 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 2022-12-13
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: Maximus Federal Services, Inc. (IN)

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 names : # = XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 information is inaccurate.
Consumer complaint received 2023-11-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (SC)

On XXXX XXXX I closed on the house in XXXX I moved to XXXX to buy another house but my wire transfer was sent to wrong account, also on XXXX XXXX another wire was sent to the same wrong account, Wells Fargo is holding my money in the wrong account and refusing to transfer to my account, one wire was for & XXXX and second wire was for {$20.00}. Please help me to get my money.
Consumer complaint received 2023-11-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (OR)

XX/XX/XXXX I deposited a Check at Chase, it was a Security deposit being returned to me. The check was made out to myself, my husband and my uncle as he was our co-signer. We all signed it. I was told the funds would be available XX/XX/XXXX. I went to an ATM on the XXXX and was informed there was a hold on my account because of the check. I have called and talked with Chase representatives 9 times since then. They have verified the issuer of the check, myself and my uncle. However, they say they can not verify my husband even though they did call him and confirmed his identity when I called on the XXXX at XXXXXXXX XXXX. Now they are saying their system can not verify his phone number and there is no way to confirm his identity except for a phone number their system can verify. They have frozen my account and say they will close it in 10 days and keep the money for 2 years before giving it to the state. I offered for my husband and I to go in person to a Chase bank and verify his identity in person but they said that is not an option. My husband has his own account with Chase and his phone number is connected to that account. I do not understand how they can not verify it and I do not understand how they can only accept a phone number, that they say is valid, and offer no alternative ways to verify him.
Consumer complaint received 2017-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

I have found wrong information reported on my report : " CALIFORNIA FED COURT-  XXXX   XXXX   XXXX   XXXX   XXXX  " This is out-of-date information, please remove it immediately Beside that, my correct address should be :  XXXX   XXXX   XXXX   XXXX , CA  XXXX , please update