davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-06
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY ()

I received an AMEX prepaid card for {$200.00}. I was told I could use anywhere online and in person. I made SEVERAL attempts on many different websites - websites that DID accept Amex prepaid cards. But each payment was not successful. I called AMEX 4 times and the first girl told me they blocked my card because of suspicious activity and she said she cant unblock it, the next three people said the same thing but told me I could use ANYWHERE else online. I have made over XXXX attempts on different websites including trying to add to my XXXX XXXX as they advertised I could and that didnt work. AMEX customer service was no help and has misinformation about where you can use the card when in reality I havent been able to use anywhere
Consumer complaint received 2021-12-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (CA)

XXXX  has reported to a collection agency ( Amsher Collections ) in XXXX XXXX that I owe money on a mobile service account. The account does not belong to me, it belongs to a company, XXXX XXXX XXXX, where I was formerly employed. The account is a business account for XXXX XXXX XXXX, but for some reason XXXX  is claiming I am responsible for the account balance, even though I was just an employee who worked there. I believe the balance on the account is from XXXX. 

I have been trying to get this worked out directly with XXXX for 5 months and have not gotten anywhere, despite calling multiple times and spending hours on hold and talking to different representatives. This is significantly impacting my credit score. 

It should be very straightforward to clear this off the collection agency and my credit score, yet XXXX is going after me instead of XXXX, XXXX for some reason. And XXXX is not doing anything to assist with the problem either. Looking for help.
Consumer complaint received 2019-11-27
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. (MI)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$9400.00}, {$50000.00}, {$50000.00}, {$19000.00}, {$27000.00}, {$260000.00}, {$260000.00}, {$8500.00}, {$12000.00}, {$8500.00}, {$12000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See also 12 C.F.R 226.12 ( b ).

-OPEN ACCOUNTS- 1. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a credit limit of {$9400.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$50000.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$50000.00} -This is not my account. 

-AUTO ACCOUNTS- 4XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$19000.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$27000.00} -This is not my account. 

-REAL ESTATE LOANS- 6. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$260000.00} -This is not my account. 

7. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$260000.00} -This is not my account. 

-STUDENT ACCOUNTS- 8. U S DEPT OF ED/XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8500.00} -This is not my account. 

9. U S DEPT OF ED/XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$12000.00} -This is not my account. 

10. U S DEPT OF ED/XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8500.00} -This is not my account. 

11. U S DEPT OF ED/XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$12000.00} -This is not my account.
Consumer complaint received 2021-12-23
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2019-11-28
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. (SC)

I am a VICTIM of inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my Transunion credit file. This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation of INACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit
Consumer complaint received 2021-12-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC (NJ)

The cryptocurrency exchange Gemini froze my assets without any explanation. I received a general email asking to upload a copy of my driver 's license, a picture of myself and a handwritten note of the ticket number. I did what was asked and they have yet to unfreeze my account. This company has no contact number and has been completely unresponsive. I need my assets unfrozen so I can move my funds off because this type of service is unacceptable.
Consumer complaint received 2022-08-31
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. (CA)

I have a XXXX credit card with XXXX Bank and they reported that I have a 30-day late payment for the month of XXXX, 2022 on XX/XX/2022. I did not miss a payment nor was I late for the month of XXXX in 2022. I have had 100 % of on-time payments and this situation is very frustrating and severely hurting my credit. 

I called the company and was unable to resolve the issue via phone. They told me to write a letter to the credit bureau department and I did. I sent the letter certified and it was received by XXXX on XX/XX/XXXX. XXXX has yet to resolve the issue.
Consumer complaint received 2019-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Ideal Collection Services, Inc. (FL)

This is in regards to Account # XXXX with Ideal Collection Service. I recently disputed this item reporting inaccurately on my credit reports with XXXX, XXXX, and XXXX and the item came back verified by your company. However, on the results from the bureaus there is a different address reporting for the item on XXXX and on XXXX. On XXXX the address for the item is XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX AND on XXXX for the SAME ACCOUNT the address is reporting XXXX XXXX XXXX XXXX, FL XXXX. This is information is obviously not accurate and certainly very confusing to the consumer and there are supposed to be by law specific policies and procedures in place for these types of things. I am being harmed financially due to this item and it is being reported inaccurately. Since in my original letter I asked that if the item was not reporting 100 % accurate to please have it deleted and it is not reporting accurately I am asking that this item please be deleted from my credit report.
Consumer complaint received 2021-12-23
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)

XXXX XXXX  some body has used my name and also use my name in banks loans credit cards and more XXXX XXXX fraud upon my name so I'm basically bad standing with certain banks and credit cards base some scammer using my name my name is also being use over the dark web if you guys can clear my name base scammers have been using my name since XXXX i also went to XXXX court house in XXXX when the judge sent me a letter to appear in court once she seen my picture in court she's thrown this case out.
Consumer complaint received 2022-01-11
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: EQUIFAX, INC. (FL)

There were inquiry made on my Equifax report that werent authorized by me Equifax sent me a letter stating they would remove the inquiries but never did the inquiries are 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
Consumer complaint received 2021-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I found XXXX hard inquires on my credit report without my permission. I want these removed. This has negatively effected my credit profile
Consumer complaint received 2023-06-27
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. (NC)

Regardless of the multiple written requests, the ACCOUNTS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the ACCOUNTS below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-23
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 have contacted XXXX multiple times in regards to an account I used to have with them which shows a delinquency for some reason. I have been with them for over ten years. Out of nowhere XXXX decided to close my account with them despite my prior XXXXen years of history that I had with them. On XXXX of the account that was closed, I still had a balance that I was making my monthly payments on. However, after the accounts were closed, XXXX decided to make another arbitrary decision and restrict my access to the online banking software and thus restricting my method of payment. I couldn't reach them over the phone to make my payments because every single time I contacted them they were unable to help me and they thought that I had to speak with the Fraud Department of XXXX for some reason. I never claimed the account was fraudulent, I always told them that I had to make a payment but by the time that XXXX was able to process my request they gave me the worst time ever which led my account to be delinquent and past due on the payment. XXXX from the beginning of this calendar year of 2021 and they have been passing judgements and arbitrary decisions regarding my accounts and personal information. I had flawless history with them yet the decided to close my accounts. Then, they decided to make another arbitrary decision of restricting my access to the online banking software so I can not make my payments. Ever since then, I have been contacting them personally to make my payments through the phone.
Consumer complaint received 2021-12-23
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. (FL)

XXXX XXXX BANK HAS XXXX CLOSED, NEGATIVE ACCOUNTS REPORTING ON MY CREDIT REPORT OPENED IN XXXX AND XXXX BOTH ACCOUNTS WERE OPENED FRADULENTLY AND I HAVE CONTACTED THEM FOR XXXXYRS STRAUGHT TO INVESTIGATE AND REMOVE THE FRAUDULENT AND NEGATIVE ACCOUNT.
Consumer complaint received 2021-12-23
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. (CA)

I have contacted XXXX multiple times in regards to an account I used to have with them which shows a delinquency for some reason. I have been with them for over ten years. Out of nowhere XXXX decided to close my account with them despite my prior ten years of history that I had with them. On XXXX of the account that was closed, I still had a balance that I was making my monthly payments on. However, after the accounts were closed, XXXX decided to make another arbitrary decision and restrict my access to the online banking software and thus restricting my method of payment. I couldn't reach them over the phone to make my payments because every single time I contacted them they were unable to help me and they thought that I had to speak with the Fraud Department of XXXX for some reason. I never claimed the account was fraudulent, I always told them that I had to make a payment but by the time that XXXX was able to process my request they gave me the worst time ever which led my account to be delinquent and past due on the payment. XXXX from the beginning of this calendar year of 2021 and they have been passing judgements and arbitrary decisions regarding my accounts and personal information. I had flawless history with them yet the decided to close my accounts. Then, they decided to make another arbitrary decision of restricting my access to the online banking software so I can not make my payments. Ever since then, I have been contacting them personally to make my payments through the phone.
Consumer complaint received 2021-12-23
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)

XXXX XXXXXXXX BANK HAS XXXX CLOSED, NEGATIVE ACCOUNTS REPORTING ON MY CREDIT REPORT OPENED IN XXXX AND XXXX BOTH ACCOUNTS WERE OPENED FRADULENTLY AND I HAVE CONTACTED THEM FOR XXXXYRS STRAUGHT TO INVESTIGATE AND REMOVE THE FRAUDULENT AND NEGATIVE ACCOUNT.
Consumer complaint received 2022-12-23
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (GA)

On XX/XX/2022 i shopped and purchased the required amount on a mail flyer for a {$25.00} savings at the HOme Depot store XXXX in XXXX, GA. 
The cashier scanned the mail coupon code and just said " this is a credit to my account and not taken off immediately. Usually XXXX is taken off at the point of sale, I thought this was odd. 
I have called both HOme Depot customer case and Home Depot credit card services. 
When i first called in XXXX to The credit services, they said it takes 1 or 2 billing cycles for the credit to appear. I have been XXXX billing cycles and still no credit applied. 
I then in turn called Home Depot customer care. They tell me its all handled under Credit card services. When i called back to Credit services they tell me its not them and to take the issue to Home Depot customer service. I didnt see anywhere on the mail promotion that would indicate any delay or waiting for any rebate. The attached receipt documents the XXXX  promotion.
Consumer complaint received 2019-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I have contacted the credit card company numerous times to please note that they are not accurately reporting my actual account and that they have duplicated accounts on my reports. This is impacting me severely as i am now in several job interviews and that question comes up that you have two accounts with the same company and one is satisfied and the other is shown as derogatory and they are for the same accounts. Please see the following : ECOA / WHOSE XXXX XXXX XXXX XXXX XXXX ACCT TYPE REV REPORTED XX/XX/XXXX HI CREDIT {$5400.00} PAYMENT {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX PAID XXXX XXXX XXXX TERM - OPENED XX/XX/XXXX BALANCE {$0.00} PAST DUE {$0.00} XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX LAST LATE XX/XX/XXXX XXXX  XX/XX/XXXX CONSUMER DISPUTES AFTER RESOLUTION ; ACCOUNT PAID FOR LESS THAN FULL BALANCE ; PAID CHARGE OFF ; SUBSCRIBER REPORTS DISPUTE RESOLVED-CONSUMER DISAGREES EXPLANATION : OUTCOME : XXXX ECOA / WHOSE B / XXXX XXXX XXXX ACCT TYPE REV REPORTED XX/XX/XXXX HI CREDIT {$5000.00} PAYMENT {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX CHARGE OFF SOURCE XXXX TERM - OPENED XX/XX/XXXX BALANCE {$0.00} PAST DUE {$0.00} XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX LAST LATE XX/XX/XXXX XXXX XX/XX/XXXX CONSUMER DISPUTES THIS ACCOUNT INFORMATION ; CONSUMER DISPUTES AFTER RESOLUTION ; CHARGED OFF ACCOUNT ; TRANSFER/SOLD ; SUBSCRIBER REPORTS DISPUTE RESOLVED-CONSUMER DISAGREES
Consumer complaint received 2021-12-23
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. (SC)

This agency is in violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. I will also be seeking litigation and {$1000.00} per violation. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, 1995 ), you may be liable for your willful non-compliance. 
I demand that these accounts be deleted immediately or I will file litigation.
Consumer complaint received 2017-12-12
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. (TN)

XXXX XXXX XXXX has an auto loan showing as open, past due, & with a balance. I filed Chapter XXXX bankruptcy including the vehicle. They now have the vehicle. I notified them to have it updated but nothing has been done to correct.
Consumer complaint received 2019-11-22
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: EQUIFAX, INC. (NC)

I found out that there are 2 accounts reflecting badly on my credit report today XX/XX/19 when I was denied from opening a credit card at my bank. Neither of those accounts belongs to me nor did I authorize anyone to open those accounts using my personal information. I have no idea who could have stolen my personal information to open these accounts behind my back but I already filed a police report. I did not gain anything at all from these accounts being open in my name nor did I take part in any purchases, transactions or payments regarding these accounts.
Consumer complaint received 2022-08-31
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: Affirm Holdings, Inc (MD)

Affirm has several accounts with my name and information on it. Fraud has occurred. I closed out stolen cards and XXXX account linked. I tried calling and they act like they cant help transferring me over 21 times to different t departments.
Consumer complaint received 2020-10-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (FL)

The company is PayPal, they been holding my money for more than 180 days, i cant access my account since I dont have my old number the one associated with the account, they have the worst customer service ever, I been emailing them trying to solve the problem as their call center is closed, I XXXX trying to resolve this problem for over 3 months now emailing them every single day to get simple responses as just log in? Like didnt I just explain that I dont have access to the account?