davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (CA)

In XX/XX/XXXX, I wired fund to InComm to purchase multiple prepaid XXXX XXXX credit cards. Each card holds {$2500.00} in value. I kept these cards in my drawer to give to my parents on special occasions in the future. On XX/XX/XXXX, I found out someone used the card information on two of these XXXX cards and purchased items in New York , New Jersey and Pennsylvania area in XX/XX/XXXX. 

On the third card, this criminal spent {$1800.00} in XXXX through XXXX, XXXX, only to leave a balance of {$670.00}. XXXX XXXX card put a hold on the card for some inexplicable reason. I called XXXX XXXX and sent a letter to InComm to request a replacement card for the remaining balance of {$670.00} to my apartment in XXXX XXXX. 

In total, I lost {$6800.00}. First two cards were used to purchase clothing and jewelry items from XXXX in XXXX, XXXX  in XXXX XXXX, and the third card was used at XXXX XXXX in XXXX, NJ, and XXXX  in XXXX XXXX. 

I called these venders, but they all said XXXX XXXX has to call them in order for them to release any information on the purchase details leading to the arrest of the criminals who fraudulently used my cards. I also spoked to a detective in XXXX who advised me to report the loss to XXXX. XXXX gave me the transaction ID numbers on each purchase, but the vendors won't release any information on the items purchased or who purchased these items. 

On XX/XX/XXXX, I reported the loss to XXXX ( Case Number XXXX ), but since the cards were pre-paid gift cards, the case is reported as Grand Theft. 

XXXX XXXX XXXX InComm would not make any effort to contact the venders for the disputed purchases on my behalf. The criminals are out there using other people 's card information to make these purchases, causing significant financial loss, and continue to engage in these crimes without being caught by law enforcement authorities. There are ways to catch these criminals by tracking down purchases, but XXXX XXXX XXXX InComm wouldn't help. There has to be a way to stop these crimes. XXXX XXXX / InComms inability to contact the vendors to obtain information leading to the arrest of these criminals make me and everyone I talked to so far suspect that XXXX XXXX XXXX InComm may be involved in these crimes. Or, someone working at XXXX XXXX XXXX InComm can easily obtain personal / card information to make unauthorized purchases. I cant imagine the magnitude of financial damage that had been caused to many innocent citizens like myself.
Consumer complaint received 2024-01-19
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. (TX)

First and foremost, I am brand new to the world of credit. I have never owned, acquired or applied for any such credit card, loan or financing under my social security number. Upon creating an account with XXXX  XXXX  and XXXX, I noticed that I have a total of three hard inquires under my TransUnion Credit Report that are absolutely not mine again, I am new to the world of credit, and I am not sure if there is some sort of identity-theft taking place, or if my account is being mistaken for another. Please help me resolve this issue. My case number is XXXX. 

Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XXXX XXXX & TRANSUNION LLC are willfully neglecting and non compliant and continues to furnish Previously Disputed account items for inaccurate inconsistent unauthorized information on my Consumer Report. 2 US DEPARTMENT OF EDUCATION accounts begin in COLLECTIONS then Falsely OPEN showing {$0.00} PAYMENT RECEIVED yet CURRENT ; PAID or PAYING as AGREED. WHICH IS INACCURATE FALSE INFORMATION. ALSO SHOWS INACCURATE INCONSISTENT BALANCES, DATES OPENED & DATES UPDATED ON SEPARATE FILES SENT VERIFIED AS ACCURATE DISPUTED ITEMS ON THE SAME DATE. XX/XX/2023 Congress STATES the OBLIGATION for 100 % ACCURACY, PRIVACY and EXCLUSIONS FROM CONSUMER REPORTS
Consumer complaint received 2023-02-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: CCF Intermediate Holdings LLC (SC)

Basically I applied for a personal loan and my information was shared with unidentified parties. I started receiving phone calls and emails which I was skeptical about the emails. When I received the phone call the guy on the phone sounded like he knew my information already and said I was approved for the loan. He then sent me an email with a contract attached and asked me to respond to the email stating I agree with the terms. I know usually you have to sign the document but it was already to late because I sent my license and social security photos along with an i-9n Document to prove my identity for the loan. At this point I don't know what they plan to do but I want to make sure I protect my information.
Consumer complaint received 2023-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$1600.00}. 

XXXX XXXX XXXX Secured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$5100.00}. 

XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$490.00}. 

XXXX XXXX XXXX XXXX Lease with account # XXXX opened on XX/XX/XXXX and a balance of {$1500.00}. 

XXXX XXXX Unknown - credit extension, review, or collection with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

Collection account from XXXX XXXX with account # XXXX and a balance of {$0.00}. The original creditor is XXXX XXXX XXXX  XXXX. 
I paid off this account but its still showing that I owe a balance. 

Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$3500.00}. 

Inquiry from XXXX XXXX XXXX XXXX XX/XX/XXXX. 

Inquiry from XXXX on XX/XX/XXXX. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 

Inquiry from XXXX XXXX XXXX  on XX/XX/XXXX. 

Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX. 

Inquiry from XXXX on XX/XX/XXXX. 

Inquiry from XXXX XXXX XXXX XXXX XX/XX/XXXX. 

Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 

Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX. 

Inquiry from XXXX on XX/XX/XXXX. 

Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 


Inquiry from XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX XXXX XXXX XXXX  on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX XXXX XXXX XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance.
Consumer complaint received 2023-02-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (MD)

I applied for the PSLF program, the hospital I worked at for 5 years that qualifies has closed down. I called Mohela to see how I can verify that I worked there and they only would accept W2 from XXXX, which I no longer have. The IRS also no longer has those records on file. They are completely unwilling to work with me on finding a solution
Consumer complaint received 2023-03-11
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)

This account in question shows on my credit report twice with two different names 1. It's shows as XXXX/XXXX  account # XXXX it shows up close 2. XXXX has this same account open XXXX both accounts has a balance of {$460.00} and FCRA states a closed account shouldnt have a balance attached to it also XXXX has this account closed and Equifax has this same account open witch is a inaccurate and should be removed the FCRA states that all inaccurate accounts should be removed
Consumer complaint received 2023-02-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (MD)

( XXXX ) Submitted consolidation paperwork XX/XX/XXXX, borrower doc information above. XX/XX/XXXX spoke to XXXX because accounts were removed from the Mohlea account prior to consolidation being complete. Tried to speak with supervisor-transferred and sat on hold for an hour. Checked my account consolidation paperwork removed with out my permission. Spoke to XXXX or XXXX he tried to get a supervisor and call dropped.HE NVER CALLED ME BACK EVEN THOUGH I GAVE HIM PERMISSION TO CALL ME BACK. I've been waiting since XX/XX/XXXX for my consolidation to take place for Mohlea to delete my paperwork after I waited 90 days for it to be processed and there were two accounts removed without my consolidation being completed. Whenever I call, I'm kept on hold excessively without being able to speak with a supervisor or processor. The tag line in parentheses is proof the information was not only submitted BUT IT WAS SUBMITTED prior to XX/XX/XXXX which was the last day for consolidation.
Consumer complaint received 2023-02-08
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Westlake Services, LLC (FL)

fraudulent contract I have a different copy than the one this company has they also repossessed my car and never sent me a letter about the debt within 5 days as required by law they have now hit my credit with 42 months of negative charge off
Consumer complaint received 2023-03-11
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. (FL)

According to my report there are many collection accounts that are displaying an illegal balance. Additionally, many accounts are outdated or incorrect. I requested an investigation or to validate accounts. They only deleted one account out of man, within 30 days. Lastly, one account is only being reported for two bureaus.
Consumer complaint received 2023-02-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: REGIONS FINANCIAL CORPORATION (CA)

I applied and was approved for the Speedway Mastercard by Fleetcor for my XXXX XXXX XXXX XXXX  in early XXXX of XXXX. This card was a gas AND maintenance card. From the time I was approved there were nothing but problems. First I was sent Gas only cards. Then I was sent several Gas & Maintenance cards, but they never worked for anything but gas. I called the first time I tried to use the card at XXXX for an oil change, but it would not go through. I spent over two hours on the phone with them including with their corporate office trying to fix the problem until I finally paid with another card. This happened repeatedly at XXXX and XXXX where I had to pay with another card for car maintenance items after attempting ( and failing ) to have the issue fixed on the phone on site with fFeetcor. I would email Fleetcor after each incident and told it was only to go to another store and have the card not work. So they have been well aware of the issue and have lied about fixing it. 

After informing them of the laws stating that I did not have to pay the amount that was in dispute, I was greeted with childish behavior. I called and was told to call back to speak to people who didn't exist and was accused of being a liar when I repeated when I stated what I had been told on the previous phone calls and in emails. 

Fleetcor has falsely reported this account to XXXX and XXXX. I contacted them before typing this complaint and my score is not where it should be ONLY due to this account 's incorrect reporting. I have disputed it twice, only for Fleetcor to " verify '' it, knowing that the amount they are reporting is in dispute and refusing to communicate with me to fix it. 

I am not the only person Fleetcor has done this to, which is why they were sued by the Federal Trade Commission for this and other unfair or deceptive acts in XXXX.
Consumer complaint received 2023-05-18
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. (MA)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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
Consumer complaint received 2023-07-17
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. (GA)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2023-02-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (FL)

RE : State, ex Rel. Attorney General as Notice of Rescission of Signature for Cease and Desist caused by Predatory Debt Collection Operation, I am writing to shed light on a company that I feel is operating unfairly. I see this as unfair and it appears deceptive. I feel I was targeted for unauthorized use of my signature caused by making false and misleading representations due to engaging in various abusive and unfair practices. I am able to fight this but what about the elderly and the infirm who depend on these products or services and are taken advantage of by this type of financing for alleged debts. I do think this is an unfair practice for all consumers. This builds distrust. I will never do business with this dishonorable company again as I feel they failed to provide validation of debts, proof for legally binding signature as a valid contract, and lack of due process as adequate notification of contract changes. This pattern of dishonest practice acts, although maybe legal, is not fair. Please take a look at this companys practices as adverse actions. Please feel free to forward and share this deprivation of rights complaint with the Office of the Comptroller of Currency for full-scale and complete intensive investigations. I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date.
Consumer complaint received 2023-02-07
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. (GA)

Delete Entire Account Due to Confirmed Fraud, Fraud Investigation Completed, Delete Account from Bureau Due to Fraud, Affidavit Declared Contract Void ab Initio and Have Been Confirmed as Fraudulent Item Blocked, Cease and Desist Reporting this Account Item of Information Because it is Unknown, Inaccurate, and Unverified Due to Negligently Violated 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681b ( 2 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1681o ( a ), 15 USC 1681n ( a ), 15 USC 1681i ( a ), 15 USC 1681g ( 2 ) ( E ), and 15 USC 1681e ( b ). I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date. /sXXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-22
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. (TX)

Per the Federal Credit Reporting Act as a federally protected consumer, per 15 USC 6802 I'am now OPTING OUT of ANY AND ALL Authorization I, the consumer may have given to XXXX XXXX XXXX acct # XXXX written, unwritten, verbal or non verbal to report my nonpublic personal information. XXXX XXXX XXXX acct # XXXX is in violation of the Privacy Act of 1974 as well as 12 CFR 1022.24 Reasonable opportunity to opt out because I was never notified by XXXX XXXX XXXX acct # XXXX that my nonpublic personal information was going to be shared to non affiliated third parties such as XXXX, XXXX, and Equifax. I was NEVER GIVEN THE CHANCE TO OPT OUT. Also, 15 USC 6508 states that I have the option to opt out of any account reported to my credit report and I am supposed to receive an opt out notice every XXXX ( XXXX ) days which XXXX XXXX XXXX acct # XXXX never sent to me. I am hereby exercising my rights under 16 CFR 313.7 Form of opt out notice to consumers. Also, XXXX XXXX XXXX acct # XXXX violated the terms and conditions within their banking agreement, because XXXX XXXX XXXX acct # XXXX states that they do not provide consumer information to third-parties which they violated by reporting my nonpublic personal information to the credit reporting agencies listed above. According to 15 USC 6802 B ) I am supposed to receive XXXX different disclosures before my nonpublic personal information is shared but I never received notice. I also realize that my account is being sold on the secondary market without my consent and if this account is not removed from my report within XXXX hours. I will file a SEC complaint. I will be forced to get an audit report done on my auto loan if this account is not removed and under law this is a charge off account and charge offs is considered income and income can not be listed on any credit reporting agencies.
Consumer complaint received 2024-03-22
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: EQUIFAX, INC. (OH)

I assert that adding inaccurate late payment remarks to my accounts violates 15 USC 1666. All payments on these accounts have been made on time, so any incorrect reporting is unfair and illegal.
Consumer complaint received 2023-03-03
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts has Violated my federally protected Consumer rights to privacy and Confidentiality under 15 USC 1681XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-03
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. (IL)

In accordance with fair credit reporting act XXXX  account 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 2682 section 604 A section 2 : it also states consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-11-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

the accounts listed ( XXXX XXXX ) are fraudulent someone used my photo id and social security number to open these fraudulent account in my name THESE ACCOUNTS DO NOT BELONG TO ME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  XXXX  XXXX  XXXX  XXXX ; XXXX On XX/XX/20, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.