davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-17
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. (TX)

Re : Complaint against XXXX, XXXX, and Equifax for Reporting Multiple Incorrect Name Variations on My Credit Report in Violation of My Religious Rights Dear Sir/Madam, I am writing to file a formal complaint against XXXX, XXXX, and Equifax for XXXX multiple incorrect name variations on my credit report, which not only creates confusion but also conflicts with my religious beliefs. My legal name is XXXX XXXX XXXX XXXX, as evidenced by both a court order name change and an authenticated birth certificate. However, the credit reporting agencies have been reporting multiple name variations, such as XXXX XXXX XXXX XXXX and others, which is not only inaccurate but also inconsistent with my religious rights creating my soul being shared with multiple people and me not having XXXX. 
These multiple name variations on my credit report have created the appearance of multiple individuals, causing challenges in obtaining credit, as well as other financial and personal hardships. This issue has also caused me emotional distress, as my religious beliefs are an essential aspect of my identity. I have attempted to resolve this issue with each credit reporting agency individually but have not received a satisfactory response or resolution. 
Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to maintain accurate and complete information in consumer reports. The incorrect reporting of multiple name variations by XXXX, XXXX, and Equifax is a violation of the FCRA. Additionally, it is crucial to respect my religious rights, as protected by the First Amendment to the United States Constitution. 
I am seeking the following remedies : 1. The immediate correction of my name on my credit report to reflect my legal name, XXXX XXXX XXXX XXXX, and the removal of all incorrect name variations. 
2. A written confirmation from each credit reporting agency confirming the correction of my name and the removal of incorrect name variations.

3. An updated copy of my credit report from each credit reporting agency showing the corrected information. 
I have enclosed copies of my court order name change and authenticated birth certificate as proof of my legal name. Please investigate this matter and take the necessary actions to correct the inaccurate information on my credit report while honoring my religious rights. 
I appreciate your prompt attention to this matter. If you require additional information or documentation, please feel free to contact me at [ XXXX ] or [ XXXX ]. 
Sincerely, [ XXXX XXXX XXXX XXXX ( XXXX ) ]
Consumer complaint received 2023-05-21
Product: Credit card or 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)

Tried to use the card at XXXX XXXX 's but was not accepted. 
I called Vanilla Gift Card and was asked to submit a copy of the Gift card & ID and was given a reference number XXXX. 
I got a reply asking me to provide the receipt of purchase. 
( How can I provide the receipt when I received the card as a gift ) I also tried their website XXXX time : vanilagift.com But every time I tried, an error occurs.
Consumer complaint received 2024-02-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Credit Karma (MI)

I filed my XXXX taxes with XXXX and received my federal refund in the amount of XXXX, XXXX after XXXX fees were deducted. It was sent to my credit karma money spend account of which I can sign in. Since XX/XX/XXXX I have been to access my account, I cant use my money or debit card, view my funds or any other actions besides signing in. Continuous error messages appear when attempting to use the website and app. I contacted Credit karma via phone, email, chat and fax. I have ten unresolved support tickets, I have been intentionally ignored and disconnected when inquiring about my money. IRS nor XXXX are able to assist because Credit karma Accepted the funds and wont allow me access to my account or money
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. 



XXXX XXXX XXXX Bankruptcy Case Number : XXXX XXXX XXXX XXXX  Bankruptcy Case Number : XXXX XXXX XXXX Bankruptcy Case Number : XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX Account Number : XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. 

PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 4810-AM-P BUREAU OF CONSUMER FINANCIAL PROTECTION 12 CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Consumer complaint received 2023-05-21
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. (IN)

On or about XX/XX/2023 I contacted the alleged creditor about a debt listed on my account. I have sent certified mail to the listed address above twice and both came back undeliverable. I have included proof of this via certified mail receipt I have also notified the FCA Experian of this error and they are refusing to timely correct this issue. It is damaging to my file and score and has caused me harm. 

on XX/XX/2023 I contacted experian to notify them of this error and my attempts to contact the creditor. It is still not resolved as of XX/XX/2023 General Prohibition on Reporting Inaccurate Information The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an ADDRESS to which consumers may WRITE to notify the furnisher that certain information is inaccurate. FCRA Sections 623 ( a ) ( 1 ) ( A ) and ( a ) ( 1 ) ( C ).
Consumer complaint received 2024-02-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (FL)

We noticed that there was some illegal fraudulent charges on credit card on XX/XX/2024. We tried contacting them right then and there. But did not get ahold of anybody to XX/XX/2024. And that's the day they froze my credit card and told me not to make a payment until these issues were resolved. Then when I finally received my new credit card in the mail. I called them roughly around XXXX XXXX. I spoke to a supervisor who informed me that he was gon na reverse one of the transactions that was fraudulent. And that was gon na be posted to my account. Balance as a payment. I only had to make a {$46.00} payment. And that would have been the whole payment for that month and that would satisfy the account. That we would have been still a XXXX percent on our payments. He was gon na also make sure that the rest of the fraudulent charges late fees and everything else was taken care of. Well to my surprise that was not done. So I ended up calling back and speaking to another woman supervisor who said she was going to take care of this ASAP because she pulled the phone calls. And everything we just stated was correct. Well, I spoke to another person on XX/XX/XXXX. Who had someone call me back? Which was XX/XX/XXXX. Which was the supervisor saying that she was taking care of everything and our credit card wasn in good standing. She even agreed. Why are we gon na pay late in all of this on a credit card that has been used for fraud on charge we did not do. And she ended up reversing all of the cause. We can see that which means nothing was late. There was no late payments. We were up to date all good and dandy. Well, my wife has our credit reports on her phone from credit karmer and 2 hours surprise. Ding ding ding, we get. I noticed that they reported a late payment 30 days past due. Which is fun any illegal? Because there was nothing past due. We did everything instructed to us. By two different supervisors. We have phone records. We have a bank statement show in the XXXX tobacco. What? We're saying they have phone calls that recorded to back up what we're saying. Um, we can show you credit um. Credit card statements that show the charges. And her reversing them. We also called the credit card company today. XX/XX/XXXX to try to get this all resolved. The supervisor we talked to not only was Nasty, even though he could see that you know, we were telling the truth and everything we stated. Was that he pretty much told us to take us to take them to court? It won't hold up in court just because the credit card people told us what to do on. We should know better and we. We should have done the payments anyways, even though there was fraud on our account and everything was up-to date he pretty much said taken them to court or getting a lawyer was not gon na work because we were in the wrong for following what they told us to do.
Consumer complaint received 2021-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CORELOGIC INC (MI)

XXXX XXXX XXXX XXXX, XXXX, Mi XXXX XXXX XX/XX/XXXX Subject : Fair Credit Reporting Act, Section XXXX Dear Credit Reporting Agency ( XXXX, XXXX, or XXXX ), I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX XXXX XXXX, account number XXXX. As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. My identifying information is as follows : Date of Birth : XX/XX/XXXX SSN : XXXX As proof of my identity, I have included copies of my VA entitlement, Social Security card, drivers license, rental agreement, and a cellphone bill. I have also included a copy of my credit report with the account I am requesting to have verified circled and highlighted. I only ever had one credit card with XXXX XXXX and there was only ever one missed payment. XXXX XXXX is reporting it as two trade lines, and one with 3 total missed payments. If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. Sincerely, XXXX XXXX
Consumer complaint received 2023-07-29
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: CAPITAL ONE FINANCIAL CORPORATION (AL)

I recently reviewed a copy of my credit report and I noticed the following hard inquiries. I never filled out an application for credit and upon doing my research I noticed that this is a violation of the Fair Credit Reporting Act. 
This Act states that the only reason to pull an individual 's credit is for the following reasons : XXXX. A firm offer of credit XXXX. Insurance XXXX. Application for employment XXXX. A Court Order The following hard inquiries are not related to any of the following, I have never given these companies permission to use or have my personal information. If you refuse to remove these hard inquiries, I will move forward and ask for legal verification which would include ; the name and title of the person who pulled my credit, date they purport that I gave permission to have my credit pulled, the method they purport that I gave permission to run my credit. Please include documentation of said permission. If you can not provide me with this information, remove these incorrect hard inquiries from my credit file as soon as possible. I have attached my police report to this dispute.
Consumer complaint received 2024-02-24
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: JPMORGAN CHASE & CO. (CO)

A collector at XXXX XXXX lied to me and said that I absolutely had to make a payment when they demanded it be paid. I called XXXX XXXX in XX/XX/year> to begin a payment plan that month. But I called them again prior to the XX/XX/year> due date as I needed the plan to begin on XX/XX/year> instead. The same collector said I was not allowed to do that and that I was required to begin paying in XXXX. I was intimidated into complying to his demand and was told to make a payment by the end of XXXX at the latest ( and continue to pay each month thereafter ), regardless of the fact that XXXX Services does not even own the account. I have since paid them each month in good faith, but only because I was daunted and lied to. I would have filed this complaint/dispute sooner had I known that it is illegal for XXXX to intimidate and/or lie to consumers. I was told that was obligated to start paying on the month of their choice. There was not, and still is not, a written notice, agreement, nor policy signed stating that I was required to pay them ( for an account they do not even own ) as soon as they said I must. XXXX XXXXs used intimidation and deception so that I would believe I had no right to decline their terms.
Consumer complaint received 2024-06-21
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: JPMORGAN CHASE & CO. (CA)

The derogatory rating on my account is causing me significant distress. Its impact on my credit has been severe, already resulting in a rejected loan application and increased interest rates on my existing credit accounts. This negative rating has caused, and continues to cause, substantial financial hardship and emotional strain.
Consumer complaint received 2023-07-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I booked a flight through the Capital One travel portal, using my Capital One Venture X Business Card. 

I booked a " fully refundable '' fare, and I have included the email I got after booking confirming that, as well as the cancellation email confirming that. 

But when I had to cancel the flight, Capital One did not refund me. Instead, they gave me a travel credit that can only be used through the Capital One travel portal, and I have closed my credit card, so there's no way for me to use that. 

I know this is not an issue with the XXXX XXXX -- this is an issue with Capital One, because I have booked a fully refundable ticket directly with XXXX XXXX before, and they do indeed provide a cash refund when you cancel. This is an issue where Capital One is being deceitful.
Consumer complaint received 2023-07-29
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. (GA)

Im asking that these accounts be removed at the earliest convenience because they are weighing in on me getting new lines of credit. These accounts are all closed in good standing. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  U S DEPARTMENT OF ED , U S DEPARTMENT OF ED .
Consumer complaint received 2023-02-03
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. (OH)

In accordance with the Fair Credit Reporting act. The accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights 15 U S C 1681 section 602 A states I have a right to privacy.

15 USC 1681 section 604 A, Section 2 also states a consumer reporting agency can not furnish an account without my written permission.

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.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Fidelity National Information Services, Inc. (FNIS) (PA)

I applied for a deposit account with XXXX XXXXXXXX XXXX XXXX on XX/XX/year>. After reviewing my Chex Systems report, I noticed that 2 inquires were done by XXXX XXXX XXXX XXXX. One on XX/XX/year> and one on XX/XX/year>. There should only be one on my report. I've contacted XXXX XXXX XXXX XXXX to remove the unauthorized inquiry but it has yet to be removed
Consumer complaint received 2023-02-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SIMM Associates, Inc. (IN)

Made a payment to the original company. 
few hours later got a phone call from SIMM associates looking for me. 
They required address and DOB for the nature of the call. 
I refused the first time and they hung up the call. 
Decided to call back because they knew my name and gave information because they told me they had the information they just needed to verify. 
Told SIMM associates I made the payment earlier that day. 
The associate asked if they were allowed to call back if they did not receive the payment. 
I said if the debt is paid dont call me back and erase my records from their system. 
Decided to call the original company and asked if SIMM associates were actually the debt collector and if they have been notified by the original company. 
The original company states SIMM associates was notified by the original company the moment my payment was received. Got the reference number to call regarding this conversation from the original company. 
Called SIMM associates back and told them they should have received an electronic notification from the original company and that the notice was sent out immediately. 
The person on the call told me that what I said is " not true '' and that it usually takes 2-3 days. Is this a violation since they are calling me after my debt had been paid off. And why is an electronic notification not instant?
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: GOLDMAN SACHS BANK USA (NY)

on XX/XX/2024 I submitted a report about me informing XXXX  XXXX, XXXX, and goldman sachs of my decision to exercise my rights under the provisions of XXXX XXXX XXXX of the Gramm-Leach-Bliley Act ( GLBA ) regarding the sharing of my nonpublic personal information. 
As a federally protected consumer, I hereby formally opt out of any and all authorizations, whether written, unwritten, verbal, or non-verbal, that I may have previously given to your institution for the sharing of my nonpublic personal information with non-affiliated third parties including the consumer reporting agencies for any purpose I wish to exercise my right to safeguard the privacy and security of my personal information and to restrict its sharing with third parties, particularly for marketing or other purposes not directly related to the financial services I have with your institution. 
Please take immediate action to ensure that my nonpublic personal information is not disclosed to non-affiliated third parties and consumer reporting agencies in violation of my opt-out request. I trust that your institution will comply with all applicable federal regulations and laws, including the XXXX, to protect my privacy and information security. 
I kindly request written confirmation of my opt-out request, acknowledging that my decision has been processed and implemented. These companies are still reporting charge-offs on my report even though I am using the law and exercising my rights