davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-31
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc. (HI)

XX/XX/XXXX I purchased XXXX XXXX prepaid visa card {$500.00} from a local grocery store XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I tried multiple time to check the balance on the website but it keep saying the info I entered was invalid. I called the customer service and they told me that my account was locked by using the search engine. They were going to issue me a replacement. Before I hung up the phone, I confirmed with the customer service my balance was still {$500.00}. 

Since that, I've never gotten any chance to use the amount. After 7-10 business days, I received a new card but the balance appear on the card was only {$1.00}. I login to the website and saw my card was stolen and spent multiple transactions on a website, which is not in Hawaii. I called the customer service for the issue and complained about their insecure system. They could not gave me a fast solution, instead of that, they made me wait 90 days to disputed all transactions and finally I got my new card with {$500.00} balance by the end of XXXX. 

Follow the step of the instruction, I need to call XXXX to activate my card, unfortunately the same issue happened as the first time when I purchased the card. They could not verified my information I entered. I called the customer service again to complain about it. It was very frustrating after I wait for more than 90 days but I still could not use my card. They gave me a very suspicious and ridiculous reason that my {$500.00} prepaid card has {$900.00} in balance. So they have to investigated again this issue. They gave me another case number and email address to contact with, and they will response in 3 days. Very disappointed I never received the email response since I sent it on XX/XX/XXXX. 

I called the customer service again on XX/XX/XXXX, they just told me the same thing that my balance has {$900.00}, they need to send it to a special team to investigate. after a few days I called back to follow up but the agent told me she didn't know about it and they tried to buck passing. I still didn't get any update from them till now and I don't think I can get my {$500.00} back just by calling them. None of the agent can solve the problem. I feel this company intends to hold lots of purchasers ' money sneakily. There are also tons of complains and reviews from other purchasers who have the same issue as me.
Consumer complaint received 2022-12-29
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. (MD)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2023-02-27
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: Experian Information Solutions Inc. (MI)

I have noticed that there are several late payments that are reporting on my credit report. I have been trying to get this issue seen about for months with Experian, XXXX, and XXXX regarding the reporting of late payments. 
Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ] ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumercredit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 

Late Payments that are reporting that shouldn't be : XXXX XXXX - XXXX Account # XXXX XXXX XXXX XXXX XXXX - XXXX Account XXXX XXXX ) XXXX XXXX - ( Account # XXXX ) XXXX XXXX XXXX - ( Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX - ( Account XXXX XXXX ) XXXX XXXX XXXX  - ( Account XXXX XXXX  ) XXXX XXXX  - ( Account # XXXX ) XXXX - XXXX Account # XXXX ) XXXX - ( Account # XXXX )
Consumer complaint received 2023-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I have taken the necessary steps to address this issue by promptly reporting the false information that has been disclosed. As a victim of identity theft, it is crucial for me to emphasize the immense stress and financial burden that I have endured due to the inclusion of products unrelated to my identity, for which I bear no responsibility. The handling of this complaint is of utmost importance, as failure to address it appropriately will leave me with no alternative but to initiate legal proceedings. The presence of these false and fraudulent entries on my consumer report has had a severe detrimental impact on my ability to achieve personal aspirations, such as purchasing my dream car, and providing essential support for my family.
Consumer complaint received 2021-03-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (NY)

i am a victim of the XXXX  data breach and my information has been compromised. the account they are reporting is unvalidated and is not mine and is currently in litigation. 
please have them remove this unvalidated information from my credit report
Consumer complaint received 2020-06-11
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: CASH AMERICA INTERNATIONAL, INC. (AK)

I burrowed XXXX something dollar and didnt have the time to pay it on time cuz I had a baby and I got some complications after the baby and also I just loss my mom. So I tried calling the collection so I can pay off the loan in full amount and so they can close the case the they opened on me but they werent answering at all, so how can I solve this problem, I dont want the judge to think Im not doing anything to solve this problem and I dont wan na go to jail, I just had a baby XXXX  months ago
Consumer complaint received 2023-06-05
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. (IL)

I am submitting this on my own behalf. everytime i send something to the credit agencies they saying its someone else. The XXXX account on my credit report is not accurate and I attempted to show communicate this to them as well as the Reporting agencies. 

I have never been late. 
The reported me as a 90 day late when I was on payment deferment. 

My payment deferment started in XX/XX/XXXX and went through XX/XX/XXXX. They reported me as 90 days late in XX/XX/XXXX. 

This is impossible. 

Also if this was the case it would have also shown progression on my report from XXXX with a 30 day late and then a 60 day late and them 90 day late which the report doesn't reflect either. Please update the report to reflect on time payment. 

This was also during the covid time when all education loans are to be reported positively as well.
Consumer complaint received 2022-11-14
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit limit changed — 
Company: CITIBANK, N.A. (FL)

Best Buy has violated my rights as a consumer. After receiving credit from them and making on time payments every month on top of being charged unnecessary fees, Best Buy decided to pull my credit report without my permission and decrease my credit limit. this decrease happened with no knowledge or request to increase my limit. This decrease happened immediately after me making a big payment on my account. Best Buy decreased my account limit from XXXX to XXXX after I brought my account balance down to around {$900.00}. This has effected my credit score and utilization rate making it hard for me to obtain credit. I have never received any adverse action letters or statements which by law I should have received a letter 45 days prior to them making the decrease on my account. Congress makes it clear that I have a RIGHT TO PRIVACY as a federally protected consumer! Best Buy has violated and disrespected my right to privacy which is a direct violation of the FCRA and the Gramm-Leach-Bliley Act! I did not consent or authorize for best buy Buy to use or share my nonpublic personal information. They have violated my privacy to their benefit with no benefit to me or my account. Please be clear that no consent or authorization is IDENTITY THEFT! Best Buys willful noncompliance has resulted in identity theft which I demand to Cease and Desist!
Consumer complaint received 2023-03-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A. (AL)

I am a customer at PNC bank and have been dealing with a fraud transaction in my account and PNC is not helping me solve the issue as needed. It was a total of {$4900.00} on XX/XX/2022, and the company of the fraudulent transaction was XXXX XXXX which I never heard of until I did some research online and saw that it is a cryptocurrency website. I have been in contact with the cryptocurrency fraud support, and they told me that it was definitely a fraudulent transaction, but PNC Bank is still not cooperating, and they keep denying my dispute knowing I have plenty of evidence that the transaction was not mine and is definitely fraudulent. I have evidence with screenshots and emails with the XXXX company, but PNC is not taking any of that into consideration. PNC keeps telling me they don't have enough evidence to reimburse the funds back and they supposedly have proof that the transaction was made by me, but they never showed me any proof. I made a new account due to my account being taken over and I also reported the transaction the following day, but the fraud department didn't think much of it and just thought that a dispute would solve the issue, but it didn't. I have been dealing with the account takeover and fraud department at PNC bank, but they have been no help at all and have not given me any details or updates on my dispute for 3-4 months. I even filed a police report to see what else they can do for my case. I have filed a complaint with PNC bank, but it seems like they don't take it as seriously, so I would like to do as much as possible to solve this problem.
Consumer complaint received 2023-02-15
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. (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 USC 1681. 

Account name : XXXX Account number : XXXX Account name : XXXX XXXXXXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX  Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX has violated my rights. Or list of inquiries 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 2018-06-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC. (FL)

XXXX, XXXX SOC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attention to AFNI : Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or  transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for  collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section XXXX of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious AFNI I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX  District of XXXX Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-01
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: Experian Information Solutions Inc. (LA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2022-12-30
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)

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report ConsumeXXXX information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : XXXX XXXX XXXX : {$39000.00}
Consumer complaint received 2023-05-31
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: EQUIFAX, INC. (TN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have XXXX to dispute these inquiries but they have not removed them i do not recognize these at all and need them to be removed
Consumer complaint received 2022-11-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I am a XXXX XXXX rewards client with Bank of America. My wife and I had a joint preferred rewards credit card with BofA. on Thursday XX/XX/XXXX, I noticed my credit card was missing from my BofA app and I had no access to it. I have called Bank of America XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, and Monday XX/XX/XXXX about the account closure. A few representatives have said the account was closed due to fraud. Different representatives have told me different narratives about the " closure to due fraud '' including : XXXX ) My account had suspected fraudulent transactions and I would be issued a new card. If this is true, I have a legal right to dispute the charges. No one has been able to tell me what these potential charges are. I do not even know what my remaining balance is. 

XXXX ) A different representative told me my account was closed because BofA believed my entire was fraudulent. This seems strange to me given I have had the credit card for years ; it is not a recently opened account. 

I have not received any formal communication or notice from BofA about the account closure, so all I have is what I have gathered from " monitored, recorded '' phone calls with the bank.
Consumer complaint received 2023-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MO)

I am disputing the accuracy of the inquiries on my credit report, as I have reason to believe that they are fraudulent. Upon reviewing my credit report, I found several inquiries that I did not open nor have any knowledge of. The following inquiries appear to be fraudulent : XXXX date of inquiry XX/XX/20XXXX XXXX date of inquiry XX/XX/2021. I want to make it clear that I did not authorize these inquiries to be opened, nor did I give anyone else permission to open them on my behalf. It is possible that I am a victim of identity theft, and I am taking appropriate steps to report this to the authorities. I am requesting that you investigate these inquiries as soon as possible and remove them from my credit report. As per the Fair Credit Reporting Act, I expect a thorough and reasonable investigation into these disputes. I have confidence that you will find these inquiries to be fraudulent and therefore, should not be included in my credit report.
Consumer complaint received 2022-12-30
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. (GA)

There is fraudulent, inaccurate as well as unverifiable information being reported on my credit report that is damaging my credit worthiness according to Section 609 ( d ) of the Fair Credit Reporting Act they must be removed immediately. 

XXXX : XXXX XXXX XXXX  XXXX XX/XX/XXXX Closed XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$700.00} XXXX XXXX XXXX XX/XX/XXXX {$1200.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$620.00} XXXX XXXXXXXX XX/XX/XXXX {$1200.00} XXXX XXXX XX/XX/XXXX {$290.00} XXXX  XXXX XX/XX/XXXX closed XXXX XXXX XXXX XX/XX/XXXX {$500.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$830.00} DEPT OF EDUCATION/XXXX XXXXXXXX XX/XX/XXXX Closed DEPT OF EDUCATION/XXXX XXXXXXXX XX/XX/XXXX Closed XXXX XXXX XX/XX/XXXX {$290.00} XXXX, XXXX. 
XXXX XX/XX/XXXX Collection {$860.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$440.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$390.00} XXXX : XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Closed XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$700.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$1200.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$620.00} XXXX XXXXXXXX XX/XX/XXXX {$1200.00} XXXX XXXX XX/XX/XXXX {$290.00} XXXX XXXXXXXX XX/XX/XXXX closed XXXX XXXX XXXX XX/XX/XXXX {$500.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$830.00} DEPT OF EDUCATIONXXXX XXXX XX/XX/XXXX Closed DEPT OF EDUCATIONXXXX XXXX XX/XX/XXXX Closed XXXX XXXX XX/XX/XXXX {$290.00} XXXX, XXXX. 
XXXX XX/XX/XXXX Collection {$860.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$440.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$390.00} Equifax : XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Closed XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$700.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$1200.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$620.00} XXXX XXXXXXXX XX/XX/XXXX {$1200.00} XXXX XXXX XX/XX/XXXX {$290.00} XXXX XXXXXXXX XX/XX/XXXX closed XXXX XXXX XXXX XX/XX/XXXX {$500.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$830.00} DEPT OF EDUCATIONXXXX XXXX XX/XX/XXXX Closed DEPT OF EDUCATIONXXXX XXXX XX/XX/XXXX Closed XXXX XXXX XXXX {$290.00} XXXX XXXX XXXX  Collection {$860.00} XXXX XXXX XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX XXXX XXXX {$390.00}