davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-27
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. (PA)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXXXXXX account # XXXX, XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX/ account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXXXXXX account # XXXX, XXXXXXXX XXXX XXXXXXXX account # XXXX, XXXX Account XXXX XXXX XXXX XXXXXXXX XXXX XXXX account XXXX XXXX, XXXX XXXX XXXX account XXXX XXXX, XXXXXXXX XXXX XXXXXXXX account # XXXX, XXXXXXXX XXXX XXXX account 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.
Consumer complaint received 2023-09-01
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (CA)

I was given a Vanilla Visa gift card in the amount of {$200.00}. However, right out of the packaging, part of the card number had been scratched off, and so was the security code ( on the back ). The card is unusable. XXXX XXXX customer service is unresponsive when you call them ( you can't get a hold of a representative to help ).
Consumer complaint received 2023-08-30
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: Self Financial Inc. (MA)

Bankruptcy XXXX XXXX was filed on XX/XX/XXXX. Self, Inc was listed as a creditor and notice was sent. After a few days and no changes made to credit bureaus, I reached out to ask about the situation. I received an email on XXXX with a case number and letting me know that I would get a follow up " within 5 business days ''. After more than 2 weeks had past I called again to inquire. I had to explain everything over again and provided them with bankruptcy paperwork. Self closed my account on XXXX at consumer request instead of included in bankruptcy. That caused the deposit I had given them to be applied to the account balance instead of returning to bankruptcy trustee. I noticed that I still have access to the account online- now I see that I have been accruing fees, interest and Self , Inc has in asked for me to pay the remaining balance after the deposit to close/clear the balance. I have a total of 3 cases with Self. I have asked for a call back from supervisor many times. I have a missed call on XXXX. I got an email saying they had tried calling and that if I still needed help to reply to the email. I did and it was a non-reply email.
Consumer complaint received 2015-07-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: RJM ACQUISITION LLC (OH)

IM, FIXING MY CREDIT, FROM THE MONTH OF XX/XX/2015, BY MY SELF, WHERE ONLY UNTIL THAT DAY HAD XXXX ACCOUNT IN COLLECTION WHICH PAY THE DAY IN XXXX XXXX THEM RETURN TO CHECK MY CREDIT XX/XX/XXXX, AND FIND AN ACCOUNT IS OLD READY REMOVED FROM MY CREDIT BECAUSE THIS ACCOUNT IT MORE THAN XXXX YEARS OF THE COLLECTION RJM ACQ LLC., OF THIS AMOUNT IS $ XXXX PUT AGAIN IN MY CREDIT AS IS WERE NEW WITH OTHER AGENCY CALLED XXXX XXXX I WOULD LIKE TO KNOW IS LEGAL OR NO. I WANT TO RESOLVE THIS PROBLEM AT SOON IS POSSIBLE THANK YOU I HOPE SOMEONE CAN HELP ME. THANK YOU AGAIN..
Consumer complaint received 2023-05-10
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. (KY)

This is 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 items 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 items : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-09
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. (VA)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : CLOSED ACCOUNTS BELOW XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX COLLECTION ACCOUNTS BELOW ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX THESE ARE NOT MY ACCOUNTS AND I HAVE NO KNOWLEDGE OF AND THEY HAVE VIOLATED my RIGHTS. 
I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2024-06-09
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)

I am writing to formally dispute your recent investigation results regarding the inaccurate information on my Equifax credit file. Your response indicated that Equifax verified the account from XXXX XXXX XXXX as belonging to me. This assertion is demonstrably false and raises serious concerns about the integrity and thoroughness of your investigation. 

I previously provided the last XXXX digits of my Social Security number to assist in locating my credit file, and I specified that the account in question does not belong to me. Despite my efforts and clear communication, your investigation failed to accurately address my concerns. 

Furthermore, I sent a debt validation letter directly to XXXX XXXX XXXX, to which they did not respond. Consequently, this fraudulent account has been removed from all three major credit bureaus, including Equifax. The removal of this account by XXXX XXXX XXXX clearly indicates that the account was not valid. Given this fact, it is perplexing and troubling that Equifax claims to have verified the validity of this account. 

It appears that your investigation did not take into account the comprehensive evidence I provided, nor did it adhere to the standards set forth by the Fair Credit Reporting Act ( FCRA ). Specifically, XXXX XXXX XXXX ( A ) ( XXXX ) prohibits furnishing inaccurate information to consumer reporting agencies. By failing to remove this erroneous account from my credit report, Equifax is in direct violation of this statute. 

Moreover, Equifax 's actionsor lack thereofconstitute a willful noncompliance with the FCRA, as outlined in XXXX XXXX XXXX. This statute provides for civil liability for willful noncompliance, allowing affected consumers to seek actual damages, punitive damages, and attorney 's fees. Therefore, I am prepared to pursue litigation to hold Equifax accountable for these violations and seek {$1000.00} per infraction as stipulated by law. 

In light of these violations and the XXXX  and financial harm caused by your negligent handling of my dispute, I am formally demanding compensation of {$1000.00} for this violation, as provided under XXXX XXXX XXXX. 

Please be advised that I am giving Equifax one final opportunity to rectify this situation and compensate me for this violation. I demand the immediate and permanent removal of the XXXX XXXX XXXX account from my credit report and the payment of {$1000.00} for your failure to comply with the FCRA. Failure to comply will result in my taking legal action to enforce my rights under the FCRA and seek additional compensation for the harm caused.
Consumer complaint received 2024-06-08
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. (WY)

I am writing to express my dissatisfaction and concern regarding the multiple unsuccessful attempts and the delayed correction of late open account with Credit Bureaus. Despite multiple communications and efforts on my part, the account opening issue persists, causing significant inconvenience and frustration. Initial attempt to open the account is made, but I encountered an issue with the process. Contacted customer service immediately and was informed that the issue would be resolved promptly. Followed up on the progress, only to find that the problem persisted. Customer service assured me that it was being addressed. Subsequent attempts to open the account is made, yet the issue continued to persist. Numerous calls and efforts were made to customer service, each time receiving assurances that the matter was being escalated, but the account remains unopened. The prolonged delay in correcting this issue has caused substantial inconvenience and has affected my ability to access the services associated with the accounts. I urgently request the following actions : Immediate and expedited investigation into the root cause of the issue. The account should be correcting as soon as possible : XXXX XXXX XXXX Balance : {$29000.00}.
Consumer complaint received 2023-02-20
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. (RI)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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
Consumer complaint received 2023-01-19
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Between XXXX XXXX XXXX, Equifax reported a NEW OPENED account from XXXX XXXX. 

On XX/XX/2022, I called XXXX XXXX ( creditor ) to inquire on this because No new account has been opened on my behalf. XXXX XXXX staff stated that Equifax notified them of the Error on their behalf ( Equifax ) and will reach out to the consumers that were impacted to correct this error. 

I filed a dispute with Equifax on today XX/XX/2022 in regards to this matter. A manager at Equifax informed me that it will take Equifax 30 days to complete the investigation. I explained to him that it should not take Equifax 30 days because this is completely Equifax mistake.
Consumer complaint received 2023-02-20
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. (FL)

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.

These Accounts below are reporting late payments and that is inaccurate and that also is a violation. Late payments are illegal 15 USC 1666B States Timing of payments. 
XXXX XXXX Opened : XX/XX/XXXX Account # XXXX {$420.00} 2 Late Payments inaccurate please remove. illigel report. 
Violation XXXX. XXXX XXXX Opened : XX/XX/XXXX Account # XXXX  {$8000.00} Please Remove these late payments there's 90 days late and that is inaccurate. illegal 15 USC 1666B States Timing of payments. 
Violation XXXX XXXX XXXX Opened XX/XX/XXXX Account XXXX XXXX Please Remove these late payments there's 90 days late and that is inaccurate. illegal 15 USC 1666B States Timing of payments. 
Violation 15 U.S. Code 1605 - Determination of Charge 4. XXXX XXXX XX/XX/XXXX Account # XXXX Unauthorized account/ I have no knowledge of this account. Please remove it from the credit report. 
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. 
Violation XXXX. XXXX XXXX XXXX Opened XX/XX/XXXX Account # XXXX Please remove this immediately USC 1666B States Timing of payments.

15 U.S. Code 1605 - Determination of Charge Violation XXXX XXXX  opened XX/XX/XXXX {$3800.00} Opened XX/XX/XXXX {$2000.00} Account # XXXX 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.

USC 1666B States Timing of payments.

15 U.S. Code 1605 - Determination of Charge Violation XXXX XXXX  XXXX XXXX Duplicate account ( Double jeopardy ) Account # XXXX Opened XX/XX/XXXX {$1700.00} 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

USC 1666B States Timing of payments.

15 U.S. Code 1605 - Determination of Charge Violation
Consumer complaint received 2023-01-19
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: EQUIFAX, INC. (NJ)

I discovered that some of the accounts 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 accounts without providing any proof within the time frame specified by law. My credit report includes the following erroneous accounts that needs to be investigated and corrected : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2016-03-26
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WI)

i got the banks response to my inquire that is wrong my situation has changed but the payment should be a lot lower than it is do n't you think look at the high interest you do n't know if the situation has changed or not just guessing but it has changed my brother just got a new job but you see the payment ever drops at all the payment is to high for anyone does matter of any situation thanks
Consumer complaint received 2023-05-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Ria Envia, LLC (NC)

I received a transaction number and photo of a receipt from a wire transfer, sent by a man who is buying a puppy from me. He has boughta puppy from me eight years ago. We have a history of good, valid transactions between us. Occasionally I have litters and ship them, but need payment prior to shipping and have never had a problem with any wire transfer via walmart in the past ( over ten years or more ). 

Today, when I went to pick up the money, they confirmed via the transaction number that the money had been sent, but refused to pay the money and told me to call RIA at XXXX. I called them and they said the sender needed to call. The sender called them and they asked him questions about ME. How well did he know me? Had he ever met me face to face, etc. etc. etc. 

In the end, they told him he had to get a refund, that they refused to issue the money to me. 

When I called them back, they said they had no record of his call. 

I feel Walmart has no right to deny me the money. They received the money from him, which now he has to go back to the store for a refund, He received a receipt, so what gives them the right to deny me the money? 

This has caused an inconvenience to me, and a discredit to me, since I am the one who asked him to use Walmart in the first place. Now I have an upset customer, as well as no money, and I do not believe it is legal for them to deny funds based on whether or not he has ever " seen me face to face ''. 

I have no pending charges or disagreements with any customers. I have years worth or good reviews from satisfied customers, both on puppy sites and with the XXXX XXXX XXXX 

There is no reason for Walmart to step in and deny me funds. I feel this is discrimination.
Consumer complaint received 2017-04-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (MI)

I have disputed this bankruptcy with Experian and also asked for method of verification. They have not given me this information they stated that they verified the information with a third party vendor. I have been to the court to ask for them to show me the information they said that they can not verify information. The clerk told me that they NEVER EVER report anything to any bureaus or vendors and they do not verify anything with the bureaus. The credit bureaus are not validating any information with the originator of this said account this said account was not even reported by the courts that is said to be reported. A third party is hear say and is not validation. Experian owns this third party vendor as well. The courts cant and wont produce my signature on any paperwork so i am asking again for them to remove this inaccurate account. Or Send me method of validation with the courts and the name and contact information from this person so that i can dispute directly with that person because this is inaccurate. Third party is not valid. If the courts wont produce a contract i am asking for Experian to produce my wet signature that is being used to validate this bankruptcy.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (NY)

My Social Security Number ( SSN ) was involved in a data breach that occurred on or before XXXX of XXXX, extending until XXXX. This breach affected individuals who underwent background checks and applied for jobs, leading to the appearance of numbers on my record. 
I did not provide consent for these accounts to be opened, and I lacked an understanding of credit and its mechanisms during that time. Consequently, I did not establish any credit relationships with the companies involved. I urgently request the removal of these erroneous entries from my credit report once and for all. 
The repercussions of these inaccuracies have been far-reaching and abnormal. Unfamiliar inquiries have appeared, accounts that I neither authorized nor opened have been added, and I've faced denials and disrespect due to these discrepancies. The errors in my credit report are extensive and profoundly incorrect. They encompass several aspects, including but not limited to : * Name Discrepancies : I want to clarify that my correct name is " XXXX XXXX XXXX XXXX '' I have never used nor consented to be referred to as " XXXXXXXX XXXX XXXX '' or any other variations. This is the only accurate name associated with me. 
* Address Accuracy : My precise address is " XXXX XXXX XXXX XXXX XXXX, XXXX, New York XXXX. '' It must be consistently displayed as such, including the apartment number. I do not authorize any other variations of this address to be linked to me. 
* Invalid Addresses : The following addresses on my credit report are invalid and inaccurate, not associated with me : * " XXXX XXXXXXXX XXXX XXXX, NY XXXX '' * " XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, AL XXXX '' * " XXXX XXXX XXXX, XXXX XXXX, NY XXXX '' Moving forward, I wish to address specific discrepancies related to certain accounts : * * XXXX XXXX : Contact : ( XXXX ) XXXX ; Address : XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX ; Account # XXXX ; Opened : XX/XX/XXXX ; Owed : {$1400.00}. I did not provide consent or a written signature for this account, nor did I authorize its reporting. All these accounts were opened online. 
* XXXXXXXX XXXX  : Contact : XXXX XXXX XXXX, XXXX, DE XXXX ; Account # XXXX ; Opened : XX/XX/XXXX ; Owed : {$4700.00}. Similar to the previous cases, I neither gave consent nor provided a written signature for this account 's reporting. All these accounts were opened online. 
XXXX XXXX XXXX  : Opened : XX/XX/XXXX ; Account # XXXX ; Owed : {$5500.00} ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  XXXX. The account by XXXX was deemed fraudulent and removed, yet XXXX XXXX persists in reporting the collection stemming from it. 
* It's worth noting that a breach detailed in an article XXXX XXXX XXXX XXXX ) is responsible for over XXXX XXXX stolen identities, as discussed. 
I implore you to rectify these inaccuracies promptly, as they have severely affected my financial standing and personal integrity. I appreciate your immediate attention to this matter.