davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

The credit agencies continue to report that a vehicle loan and a vehicle lease were included in a chapter XXXX bankruptcy. The " loan '' in question is still being paid and has been paid on time for the last 62 months. Another vehicle " lease '' that originated in XXXX of XXXX was " paid as agreed '' Neither was included in my XXXX bankruptcy
Consumer complaint received 2022-12-16
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. (NY)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be updated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 XXXXXX/XX/XXXX
Consumer complaint received 2022-05-12
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. (CA)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX BANK Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-05-12
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)

I sent a letter off on XX/XX/2022. Here is my tracking # XXXX. To remove personal information that I don't want on my credit report. According to the Fair Credit Reporting Act 15 USC 1681, I have the right to privacy. Also, according to 15 USC 6802. A financial institution is not supposed to share my information to third-party people. 

These are clear violations of my federally protected consumer rights.
Consumer complaint received 2024-05-29
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (CA)

I received a birthday gift Vanilla Gift VISA Card. I attempted to use the card and discovered at the check out counter that the card had been compromised, used and, then, as I learned from the retail clerk, the card was then fraudulently returned to the store where my friends purchased it for me. The vanilla gift card was ALREADY USED, so it had NO VALUE. I contacted Vanilla Gift and have been getting NOTHING BUT THE XXXX RUN AROUND FOR NEARLY 1 YEAR. 
I followed ALL the steps the vanilla gift representative gave me and after enumerable attempts to contact them for replacement and reinstatement, the card is still valueless. Vanilla Gift is a SCAM and they intentionally attempt to XXXX people around until they just give up and stop attempting to remedy the situation.
Consumer complaint received 2024-05-29
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: ENOVA INTERNATIONAL, INC. (NJ)

there was an agreement that once the loan was paid off, it would be removed from my credit report, the loan is fully paid off and has been fully paid off for a while, but they still have not removed it from my credit report how they agreed to from the beginning
Consumer complaint received 2022-03-22
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble getting information about the card
Company: Incomm Holdings Inc. (FL)

so my grandparents gave me a XXXX $ gift card with vanilla gift card... when I activity it was already being used in new york and I live in Florida!!! customer service at first was helpful sending me a card dispute form that was in XXXX we are in XXXX and I still never got an update... I call to see if there was an update. the caller always seemed confused and every time they put me on hold I get hung up on I even asked to speak to a supervisor to put in a complaint they just hung up on me well they put me on hold... still never got my XXXX $ back .... 
XXXX XXXX cards were used at XXXX via XXXX XXXX $ XXXX XXXX card was used at the XXXX  XXXX XXXX XXXX card was used at XXXX  XXXX $
Consumer complaint received 2022-03-22
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: Experian Information Solutions Inc. (NC)

MY NAME IS XXXX XXXX AND I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY. PLEASE SEE ATTACHED DOCUMENTS AND ID AS IT CONTAINS MY FULL COMPLAINT AND REQUES.
Consumer complaint received 2022-12-16
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. (NY)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be updated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-12
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. (KY)

Between XXXX, XXXX, Equifax and XXXX XXXX my credit has gone down due to 2 payments of {$35.00} each and today one payment of {$41.00} it says on XXXX XXXX not made to XXXX. I havent even gotten my XXXX card yet. Ive called them twice before and again today. They claim to fix my balance and report that to the credit bureaus.but not has changed and Im fact gotten worse. My credit dropped XXXX points today with the reporting of {$41.00} by XXXX and in the comments even states that they havent received the first payment. Ive called XXXX and equifax who both say they see no balance because one is not even due. Which would be correct since I have not received my first card on that account yet. But my credit score definitely dropped XXXX points because of it. I disputed it with XXXX and their investigation concluded that IT WAS VALID AND I AM RESPONSIBLE FOR THIS DEPT that according to XXXX does not exist. I know its confusing.
Consumer complaint received 2022-03-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

MY NAME IS XXXX XXXX AND I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY. PLEASE SEE ATTACHED DOCUMENTS AND ID AS IT CONTAINS MY FULL COMPLAINT AND REQUES.
Consumer complaint received 2024-05-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (AL)

I have filed a Fraud case with the FTC regarding a victim of Fraud. It started with two deposits as of XX/XX/XXXX with an ACH several deposits came after that but the one that froze the account was on XX/XX/XXXX of {>= $1,000,000} in a wire that needed to be verified by the sender which was not able to be verified. The account funds were reversed eventually, and the accounts were closed. I was told by the Bank Fraud Security Department, and they were not able to provide me with information and provide them with information. 

I was told to speak with my business banker which I reached out to her today XX/XX/year> via e-mail.
Consumer complaint received 2022-05-12
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. (KY)

Between XXXX, Transunion, XXXX and XXXX XXXX my credit has gone down due to 2 payments of {$35.00} each and today one payment of {$41.00} it says on XXXX XXXX not made to XXXX. I havent even gotten my XXXX card yet. Ive called them twice before and again today. They claim to fix my balance and report that to the credit bureaus.but not has changed and Im fact gotten worse. My credit dropped XXXX points today with the reporting of {$41.00} by XXXX and in the comments even states that they havent received the first payment. Ive called XXXX and XXXX who both say they see no balance because one is not even due. Which would be correct since I have not received my first card on that account yet. But my credit score definitely dropped XXXX points because of it. I disputed it with Transunion and their investigation concluded that IT WAS VALID AND I AM RESPONSIBLE FOR THIS DEPT that according to XXXX does not exist. I know its confusing.
Consumer complaint received 2022-03-22
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (OR)

This company has made errors on my credit report and instead of deleting for errors keeps coming back verified when I am showing other I have disputed and disputed and they wont delete from my credit equifax reporting I have asked them to please delete for adding false information
Consumer complaint received 2022-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A, states I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-08-17
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. (MN)

I went to XXXX XXXXXXXX XXXX XXXX  they told me they would pull me credit once but i had multiple hard inquires 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 XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-12
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. (VA)

In accordance with the Fair Credit Reporting act Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-03-22
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (CA)

I went to Chase Bank XXXX XXXX XXXX, CA ( XXXX XXXX XXXX XXXX. XXXX XXXX, CA XXXX ), to access my safety deposit box. They were unexpectedly closed, and had a sign that said to set up an appointment online or call phone number. Okay, inconvenient but understandable. But online, that branch on chase.com did NOT have an ability to schedule an online appointment. OK, so i reached out to Chase XXXX support. They told me to email the XXXX with details about the location, customer name, address, and Box #, which I did. I got a reply that this location is not scheduling anything! Then they said if you can not reach anyone, then email the branch manager, but they didn't include the branch manager 's email address. Chase has essentially ransomed my safety deposit box illegally.
Consumer complaint received 2022-03-22
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)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-03-22
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: OneMain Finance Corporation (NY)

On the day of Saturday XXXX of XX/XX/2022, I was checking my rate with XXXX when I received a notification from XXXX that one main financial made a hard pull inquiry on my credit file. Ive tried many time to get in touch with them to have it fixed. They explicitly become rude and telling me to write on the letter and send it to XXXX before they will see if they will do anything about it. Im not interested by their product. I never allowed a hard inquiry
Consumer complaint received 2022-12-16
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. (CA)

I have been a victim of identity theft and the disputed inquiries being reported on my Personal Credit File were never authorized neither initiated by me nor anyone I allowed to. By the provisions of the FCRA, I am requesting that the Credit reporting agencies deleted the disputed inquiries completely from my Credit report and stop their erroneous reporting.. I previously requested proof of verification bearing my signature to support the Credit Bureaus claims that the dispute inquiries belong under my name. Once again, I need the following inquiries deleted as soon as possible : XXXX XXXXXXXX XXXXnquired XXXX XX/XX/XXXX, XXXX XXXX XXXXnquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXXInquired oXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-Inquired on XXXXXXXX XXXX XXXX XXXX-Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXXInquired on XXXX XXXX, XXXXXXXX XXXX XXXXInquired on XX/XX/XXXX XXXX XXXX XXXX XXXX on XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXInquired on XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXInquired on XX/XX/XXXX, XXXX XXXXInquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXInquired XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXInquired XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXXInquired on XXXX XXXX XXXX XXXX XXXX XXXX-Inquired on XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

In accordance with the Fair Credit Reporting act Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-05-12
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)

THIS PERSONAL INFORMATION ON MY EXPERIAN REPORT IN INACCURATE AND FRAUDULENT THE ADDRESS XXXX XXXX XXXX XXXX XXXX FL, XXXX IS NOT MINE AND DOES NOT BELONG TO ME I HAVE ATTACHED MY IDENTITY THEFT AFFIDAVIT
Consumer complaint received 2022-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-05-12
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. (GA)

XXXX account was opened XX/XX/XXXX Balance {$380.00} XXXX XXXX  account was opened XX/XX/XXXX Balance {$1000.00} XXXX XXXX account was opened XX/XX/XXXX Balance {$320.00} XXXX XXXX account was opened XX/XX/XXXX Balance {$280.00} XXXXXXXX XXXX XXXX account was opened XX/XX/XXXX Balance {$310.00} I have contacted all companies above stating that this is fraud. I did not open these accounts. They only account I opened is XXXX, a late payment is on this account and they agreed not to remark that!
Consumer complaint received 2024-05-28
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Red Target LLC (AR)

Prior to XX/XX/XXXX, a female named XXXX XXXX called my office misrepresenting herself as the XXXX XXXX XXXXXXXX for our credit card processing company named XXXX. She was calling to inform us that we could get better processing fees and ease of use with new credit card terminals compared to what we were using. We agreed, and decided to proceed with documentation to secure the terminals, including a lease agreement. Within days after receiving the terminals, we tried to contact XXXX XXXX regarding some questions, and upon receiving the first email communication with her, I noticed her signature included the name XXXX XXXX XXXX instead of XXXX. After multiple email and phone call attempts ( see attached ), we could not get XXXX XXXX to respond. Once we confirmed with XXXX that there was no employee named XXXX XXXX, we immediately stopped using the terminals and put them away on the shelf. This confirmed that we had entered into a fraudulent agreement, and refused to do any further business with XXXX XXXX or XXXX XXXX XXXX. Soon after, we began receiving statements from XXXX ( see attached ), the leasers of the credit card terminals. We refused to pay these since we werent using the terminals, and, again, refused to do business with any associated with this fraud. The statements eventually stopped. On XX/XX/XXXX, a male identified himself as XXXX XXXX representing a debt buying company called my office ( and attempted to call me personally ) stating he was starting a pre-asset liability investigation and that he would be contacting any suppliers or vendors we work with, our bank, and the state of Arkansas in regards to our bad debt. After counsel with my lawyer, we decided no action was necessary. Soon after, another male identified as XXXX XXXX called saying he was forwarding all information of our account to legal department with intent to sue me personally based on the lease agreement. At that time, I spoke with XXXX XXXX, explained in further detail how this situation came about, to which he responded with complete disregard and reiterated not settling this debt would result in a lawsuit against me personally and ruined credit. After consulting with my lawyer again, we took no further action. He has since called my office about every 2 days threatening legal action. At the time of this complaint, we no received any written correspondence from XXXX XXXX, XXXX XXXX, or the company they represent.