davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-25
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble getting information about the card
Company: Incomm Holdings Inc. (TX)

I purchased vanilla gift card at XXXX for {$100.00} on XX/XX/XXXX with XXXX activation. I quickly found out that it did not have all the numbers on it- it only had XXXX therefore defective. I sent case info on XX/XX/XXXX and feel like they are acting unethical in their refund/replacement process. I have included below an email I sent to them today. Ive made numerous (! ) calls but still issue a nresolved. I googled complaints online regarding these cards and the complaints listed are in the hundreds. 
Here is the email I sent today after also calling today. 
Case XXXX Please provide update. Ive called customer service 6 or more times & keep getting this info 30 business days to process n then 10 business days to mail. 
Then I was told I would receive replacement card by XX/XX/XXXX that did not happen. I purchased card XX/XX/XXXX and sent case information multiple times. Your company has confirmed my complaint and request as if XX/XX/XXXX. 
All calls that I have made since XX/XX/XXXX. I receive the same response. We have escalated your request. Call back within 24-48 hours & we have informed back office that this request is out of the standard processing time frame. I purchased card and it was defective. It only had 12 numbers on it. Please please process this request. I have done nothing wrong. I purchased a product and it is defected.

~~~~~~ Im not sure this is the correct avenue but thought I would try this way first, please advise accordingly. 
Regards, XXXX XXXX
Consumer complaint received 2021-06-13
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MS)

I received notice through my credit monitoring app that I had a number of collections posted to my credit reports. These accounts are not mine. At or around XX/XX/2021 I submitted letters to Equifax, XXXX  and XXXX  requesting verification of these collections/ charge-offs and to see proof that these accounts were mine since I am the only one who can truly verify this debt. I did not give them permission to share this information. 

It has been over 30 days and have not received an updated report, nor any documents with signature from the companies in question, even the bureaus. They are in violation of FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) as well as 15 United States Code 1681i for no response within a reasonable time limit. 


Accounts in question : XXXX {$2100.00} XXXX XXXX {$660.00} XXXX {$0.00} XXXX  {$14000.00} I am acting on my own behalf. I do not authorize anyone or third party to act or verify who isn't me.
Consumer complaint received 2022-10-11
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 was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
3. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
4. Validate Inaccurate/Reported Late payment XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
5. Identity Theft XXXX XXXX Account Number : XXXX Delete this account. 
6. Identity Theft XXXX Account Number : XXXX Delete this account. 
7. Identity Theft XXXX XXXX Account Number : XXXX Delete this account. 
8. Identity Theft XXXX Account Number : XXXX Delete this account. 
9. Identity Theft XXXX XXXX Account Number : XXXX Delete this account. 
10. Identity Theft XXXX XXXX Account Number : XXXX Delete this account. 
11. Identity Theft XXXX  Account Number : XXXX Delete this account. 
12. Identity Theft XXXX XXXX XXXX Account Number : XXXX Delete this account. 
13. Identity Theft XXXX  Account Number : XXXX Delete this account. 
14. Validate Inaccurate/Reported Late payment XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
15. Identity ThefXXXX XXXX XXXX Account Number : XXXX Delete this account. 
16. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, FL XXXX 17. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 18. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX 19. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, FL XXXX XXXX. The inquiry was not authorized XXXXXXXX  Date of inquiry : XX/XX/XXXX Delete this account.
Consumer complaint received 2022-10-11
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. (ID)

Account XXXX XXXX XXXXXXXX XXXX XXXX # XXXX Under 15 U.S.C Sec . 1681 I ( a ) you can not provide proof ( Proof being a signed agreement of the two parties to the debt ) then these accounts need to be deleted. That everything in that report must be 100 % correct or it should be deleted. please investigate the following account and remove them if proof is not obtained at a 100 % assurance of factual information.

15 U.S.C 1681 ( 3 ) E states ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with whom he is acquainted or who may have knowledge concerning any such items of information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer or from the consumer.

They also violated my rights numerous times.

According to U.S.C 1681 section 602 A states as I have the right to privacy this has been violated many times by this agency by this account I request they delete and remove it.

According to 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. Please send proof of my written instructions or delete the account from the report.

According to 15 U.S.C 1681 s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. See the Also know as different names different accounts Cause for concern this account is not accurate and should be deleted and removed.
Consumer complaint received 2022-10-11
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)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Delete this account. 
2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
3. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
4. Validate Inaccurate/Reported Late payment XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
5. Identity Theft XXXX XXXX Account Number : XXXX Delete this account. 
6. Identity Theft XXXX Account Number : XXXX Delete this account. 
7. Identity Theft XXXX XXXX Account Number : XXXX Delete this account. 
8. Identity Theft XXXX Account Number : XXXX Delete this account. 
9. Identity Theft XXXX XXXX Account Number : XXXX Delete this account. 
10. Identity Theft XXXX XXXX Account Number : XXXX Delete this account. 
11. Identity Theft XXXX  Account Number : XXXX Delete this account. 
12. Identity Theft XXXX XXXX XXXX Account Number : XXXX Delete this account. 
13. Identity Theft XXXX Account Number : XXXX Delete this account. 
14. Validate Inaccurate/Reported Late payment XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
15. Identity Theft XXXX XXXX XXXX  Account Number : XXXX Delete this account. 
16. Identity Theft XXXX XXXX Account Number : XXXX Delete this account. 
17. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX XXXX  18. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-04-14
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: LTD Financial Services, L.P. (GA)

I have been subject to collection activity by Ltd Financial services i have disptuted this debt and collection me methods myself and through my attorneys. so far, neither my attorneys nor i have been able to get veriification of the debt owed. after a settlement for violation of of FDCPA in retaliation LTD reported to XXXX, XXXX and XXXX this alleged debt.
Consumer complaint received 2021-04-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mid-Atlantic Consumer Services (CT)

Im shocked at the proof that you sent me based on my validation request. The law allows me to request validation for above account. I dont know your company, as you may be a scam artist trying to get money from people. I sent a letter to you 30 days ago asking for the following items. 

( 1 ). Contract with my name on it.

( 2 ) .Fullaccounting of this account.

( 3 ). Proof that you have the right to collect money from me.

( 4 ). Proof that you have the right to collect in my state.

And more.

Where is this proof? How does what you sentmeprove that this account belongs to me? It does not. Your company has failed on multiple levels. Let me tell you how.

( 1 ). You reported a debt to the credit bureaus causing my score to go down without validating.

Violation ( 2 ). You failed to provide sufficient proof, yet still continue collection activity by validating the debt above. 

Violation Would you like me to continue? DELETE THIS ACCOUNT ASAP or face complaints to the FTC, XXXX Consumer Financial Protection Bureau, and the Attorney Generals Office. I will also be reviewing my state law to see if a bond is required and if your company is registered to collect in my state. Dont escalate this matter further over this little debt. Delete it at once.
Consumer complaint received 2024-03-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (MD)

I am filing a complaint against Chime Bank for what appears to be fraudulent handling of my funds and significant delays in depositing my paycheck, which has led to severe financial distress. This issue prompts concerns over Chime 's practices, particularly as they contradict their advertised benefit of receiving paychecks up to two days early.Initial Concerns Raised : I initially contacted Chime on XX/XX/XXXX, to report a missing deposit of {$250.00} from my paycheck dated XX/XX/XXXX. Despite confirmation from my employer regarding the issuance of the funds, the deposit has yet to be credited to my account.Repeated Attempts for Resolution : Following my initial contact, I have made multiple attempts to resolve this matter through both phone support and email communications with Chime. Each time, I was assured of an escalation and follow-up, which has not occurred. It's now been over 90 days since the deposit was expected, and there has been no resolution or substantive response from Chime.Change in Direct Deposit Arrangement : Due to Chime 's repeated delays in crediting my account with my paycheckoften taking over two weeks despite their slogan promising pay up to two days earlyI made the decision to discontinue directing my paycheck deposits to Chime. This decision was made in response to the ongoing and unacceptable delays that have caused me undue financial hardship causing me to pay bills late and causing me late fees when thinking my paycheck was available in my bank account.Specific Concerns : It is my belief that Chime 's actionsor lack thereofconstitute a fraudulent withholding of my funds. Since discontinuing my direct deposits to Chime, there has been a complete cessation of deposit activity from my employer 's payments, further compounding my financial difficulties and leading me to question the integrity of Chime 's operations.The lack of response, resolution, and the substantial impact of Chime 's actions on my financial wellbeing have compelled me to seek the assistance of the CFPB. I urge an investigation into these practices and immediate remediation of my situation, including the release of my withheld funds and a reevaluation of the fees incurred due to these delays.
Consumer complaint received 2022-12-04
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)

I've disputed accounts that were opened via identity theft with servicer between XXXX to 5 times and they keep verifying the information is correct. I've told them to block the information also but they refused to do so. Their response was my dispute isn't valid, because I didn't identify the account I wan to be disputed/erased. I took all the necessary steps to remove the tradelines off of my report.
Consumer complaint received 2022-02-10
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Maximus Federal Services, Inc. (GA)

I was told in XXXX the only option I had to help with payment was too do the student loan forgivness plan. Which has currently came into a lawsuit in XXXX. With the pandemic I was told I wouldnt need to make a payment until further notice or at all. Today I recieved an email saying I would have to make a payment on 2 days time of XXXX dollars. However even though I have tried to make contact with XXXX thru my account online I am told account doesnt exist. 
Being out of work for over a year due to pandamic and unable to find work at the cirrent situation unless I want to work fast food, i am unable to make a payment. 
I feel like I am being coerced into high XXXX for something out of my control and also I was told until further notice or not at all. I was not given acceptable time to make payment arrangement.
Consumer complaint received 2024-03-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I did not provide authorization or instructions for the incorporation of these transactions into my consumer report. As a result, I formally request the blocking and elimination of these accounts. I want to emphasize that this request is devoid of any errors or misrepresentation of pertinent facts.
Consumer complaint received 2023-01-12
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: First Federal Credit Control, Inc. (FL)

suggesting to damage my credit by reporting to the creditors without allotting the 6 month window to dispute the transaction and then reporting to the creditors when medical debt under {$500.00} per Consumer Financial Protection Bureau should not be reported.
Consumer complaint received 2022-10-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In reference to CFPB case # XXXX. 

My SSN is still being used incorrectly!!! 

When I call in and give my SSN, the XXXX XXXX accounts still show up. This is incorrectly entered. I volunteer for The Friend 's of XXXX XXXX XXXX just like I do with the XXXX XXXX XXXX that has accounts with BofA. I also volunteer with The Church of XXXX XXXX of XXXX XXXX as the Music XXXX in XXXX XXXX XXXX 

Does BofA know what an Irrevocable Trust is? 
It is in charge of it's own taxes and if it were to ever pay me, it has to report it to the franchise tax board and the IRS. Then, I have to report it on my own taxes. BofA doesn't choose how a business pays it's taxes and BofA must abide by this. 

When a Trust creates an account with a Bank, they automatically become a Trustee as well and must abide by the Trusts rules, regulations and laws that are internationally recognized. 

When BofA released the XXXX XXXX finances as mine to XXXX XXXX of XXXX XXXX, BofA BROKE THE TRUST!!! 

When I call BofA to check on the XXXX XXXX, it shouldn't come up when I use my SSN. The XXXX and XXXX are entered correctly and I know this because they don't come up when I use my SSN. 



Again, I am a tax professional with my own tax preparer identification number. I understand what Tax Identification number needs to be used and where it needs to be used at. 

Accounts ending in XXXX and XXXX are incorrectly using my SSN while accounts XXXX and XXXX are not incorrectly using my SSN.
Consumer complaint received 2023-02-28
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. (AZ)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX XXXX XXXX 15 US-CODE 16921 ADMINISTRAIVE  ENFORCEMENT  XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

3. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX  XXXX Date of inquiry XXXX XX/XX/XXXX Please remove it from my credit report. 
7. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX  Date of XXXX XXXX XX/XX/XXXX Please remove it from my credit report. 
8. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Please remove it from my credit report. 
9. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX  XXXX Account Number : XXXX Delete this account. 
10. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 11. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Please remove it from my credit report. 
12. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX Account Number : XXXX Delete this account. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX
Consumer complaint received 2015-04-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (NC)

I sent a letter informing Experian that I did not dispute their investigation in late XXXX. They never changed anything I asked. I was turned down for a mortgage because of this. I am attaching the original letter and one I wrote today showing what I need done so my report is accurate. Please help!!
Consumer complaint received 2022-10-11
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. (NC)

The items listed below are reporting on my personal credit file and were found in my credit reporting. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$5100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$930.00} ; XXXX XXXX XX/XX/2022.
Consumer complaint received 2019-06-12
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I have disputed the late payments XXXX XXXX, XXXX  XXXX XXXX accounts for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Consumer complaint received 2022-10-10
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: PNC Bank N.A. (GA)

To the office of the CEO. 

I was charge incorrectly by a merchant on the amount of {$3400.00}. I called XXXX to PNC Bank to dispute the charges and was asked to resolve the charge directly with the merchant. It took a while for the merchant credit to post to my account. In the meantime, I was charged interest amounts of XXXX and XXXX each month the charge had not been credited. 

I am requesting a refund of the rolling interest on the charge and to remove the amount from interest charges.