davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-09
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: Blackhawk Network Holdings Inc. (NC)

XXXX  sold me a gift card for XXXX on XX/XX/XXXX XXXX XXXX # XXXX XXXX. They charged me {$85.00}. There is supposed to be {$100.00} in that card. On XX/XX/XXXX, I tried to use that card online. It turns out that the balance of the card is XXXX. They sold me a gift card that has XXXX balance and charged me {$85.00} for it. Essentially, they stole my {$85.00}. I emailed them on XX/XX/XXXX and tried to call them. They will never respond to your emails or calls. I left them 7 voicemails and 14 emails so far over the last 9 days and there's still no response. I once had a similar issue with another gift card seller, called ( XXXX ). They issued me refund instantly. They never ignored my calls and emails. But XXXX  scammed me. I have been waiting for 9 days for an answer from XXXX   and there's nothing. They stole my money and they never respond to me. 

I also already filed a complaint with XXXX against them. 
They never responded to XXXX. 

XXXX will never answer your phone call. 
XXXX  will never respond to your emails. 
Your voicemails will go to trash. 


XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Good Day Sir/Ma'am : My circumstance does not exactly fit into the canned reasons provided in the online complaint application, however I am hoping I can get some assistance with this. As I believe it affects many if not all Consumers.

1. On XX/XX/2018, I paid off my family student loan with the U.S. Dept of Education in the amount of {$1200.00}, and made a payment on my XXXX Credit Card in the amount of {$10000.00}, and a subsequent payment of {$350.00} on XX/XX/2018. 

2. I took these payment measures not only to reduce my debt ratio, but to improve my credit score as well. Just prior to making these payments my credit score for Trans Union was XXXX, and XXXX was XXXX. 

3. I was shocked and dismayed to find that Trans Union penalized me 16 points off of my score for having paid off my student loan, bring my score to XXXX, and XXXX 1 point down to XXXX. 

4. This action by me to reduce my debt, and pay off my student debt should have been rewarded by adding points to my score, not deducting points. Especially 16 points down. This is not fair to consumers who are keeping up as best they can with paying their debt down.

5. This is a lose/lose situation being perpetrated on Consumers. I can see if the account had to be closed due to non-payment, where collections or a write off of the debt were required. However, this is not the case with me, as it most likely is not the case for many other consumers.

6. I am hoping to get credited back the 16 points ( XXXX ) from Trans Union, and have the 16 points added to my original score of XXXX ( XXXX ). Although XXXX was not as harsh, deducting only one point, I feel the direction of the score should have been in the positive to XXXX. 

In closing, this is a unfair practice!! So much attention is placed on Consumers being responsible in managing their finances, paying down our debt, maintaining our creditworthiness, and when we do, we are penalized heavily for it ; therefore having negative effects on our credit worthiness.

I greatly appreciate your assistance with this matter, as I am sure many other Consumers will. Thank you so much for this opportunity to file this complaint, and I look forward to hearing from you soon.

Most Respectfully, XXXX XXXX XXXX
Consumer complaint received 2024-03-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud. 
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 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 2022-07-09
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. (TX)

In accordance with the Fair Credit Reporting Act the following addresses and phone numbers have violated my rights. 

1. XXXX XXXX XXXX XXXX XXXX, Tx XXXX 2. XXXX XXXX XXXX XXXX, Tx XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX Phone numbers : 1. ( XXXX ) XXXX 2. ( XXXX ) XXXX 3. ( XXXX ) XXXX 4. ( XXXX ) XXXX 5. ( XXXX ) XXXX 6. ( XXXX ) XXXX 15 U.S.C 1681 Section 604 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 2018-08-26
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. XXXX all was ask to remove inquiries. Called multiple times a day.
Consumer complaint received 2018-08-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Capital Group, Inc. (IL)

On XX/XX/XXXX I, became a XXXX XXXX for XXXX. XXXX. In order to gain employment with XXXX XXXXXXXX, I signed an employment for one year with XXXX XXXXXXXX. The contract stipulates that XXXX. XXXX pay loan to XXXX XXXX for to go to trucking school. On XX/XX/XXXX, I was promoted to XXXX and left to go home to take a break after being on the road for nearly three months. XXXX XXXXXXXX did not allow me to come back to work. Also, XXXX XXXXXXXX stopped paying the loan in XX/XX/XXXX. 
XXXX XXXXXXXX claimed that XXXX quit, even though I wanted to come back to work. My former employer left me with a huge bill to pay with no explanation. I consulted a lawyer, and he told me that XXXX. XXXX breached the contract. I am now left with a nearly {$10000.00} to pay back if justice is not given to me.
Consumer complaint received 2024-03-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Throughout my history with this account, I've consistently made timely payments, avoiding any instances of overdue payments. I'm uncertain about the rationale behind the late payment remarks appearing on my accounts.
Consumer complaint received 2023-03-17
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items that have been found on my credit report. I believe that these items are inaccurate and should be removed from my credit file immediately. 

Firstly, regarding the account with XXXX XXXX XXXX ( Account Number : XXXX ), I am interested to know how you are always able to verify something that never actually happened? I dont remember ever being late with any of my payments. Therefore, I request that you remove this harmful incorrect data immediately from my credit file. 

Secondly, with regards to the account with XXXX XXXX ( Account Number : XXXX ), it is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report. 

Thirdly, the account with XXXX XXXXXXXX ( Account Number : XXXX ) has been charged off and should not have any payment history associated with it. Therefore, I request that you delete this account immediately. 

Fourthly, the account with XXXX XXXX ( Account Number : XXXX ) has been removed from the other bureaus ' reports, yet you were still able to verify it. This account is inaccurate, and I request that you delete it immediately from my credit report. 

Fifthly, the account with XXXX XXXX ( Account Number : XXXX ) has been removed from the other bureaus ' reports, yet you were still able to verify it. This account is inaccurate, and I request that you delete it immediately from my credit report. 

Sixthly, I want to bring to your attention that the following personal information is incorrect : Account Number : XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX. This address belongs to someone else, and I request that you delete it from my report immediately. 

Seventhly, the inquiry from XXXX - XXXXXXXX XXXX on XX/XX/XXXX is not authorized, and I do not remember giving permission for this inquiry. Therefore, I request that you remove it from my credit report immediately. 

Eighthly, the inquiry from XXXX - XXXXXXXX XXXX on XX/XX/XXXX is not authorized, and I do not remember giving permission for this inquiry. Therefore, I request that you remove it from my credit report immediately. 

Finally, the inquiry from XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX is not authorized, and I do not remember giving permission for this inquiry. Therefore, I request that you remove it from my credit report immediately. 

I appreciate your attention to this matter and request that you investigate these items promptly. Please inform me of the actions taken to correct these inaccuracies. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-07-09
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. (CA)

I NEED TO BE PROVIDED WITH THE METHOD OF VERIFICATION THEY USED TO VERIFY THIS ACCOUNTS A summary of the results are listed below : Trade : XXXX XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : SCHEDULED PAYMENT, DATE OF MAJOR 1ST DELIQUENCY REPORTED, ADDITIONAL INFORMATION Trade : XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. ADDITIONAL INFORMATION HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : PAST DUE, HIGH CREDIT, SCHEDULED PAYMENT, DATE OF LAST PAYMENT, CLOSED DATE, ADDITIONAL INFORMATION Trade : XXXX XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. ADDITIONAL INFORMATION HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : PORTFOLIO STATUS, ADDITIONAL INFORMATION Trade : US DEPARTMENT OF EDU EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : ACTIVITY DESIGNATOR, SCHEDULED PAYMENT, DATE OF MAJOR 1ST DELIQUENCY REPORTED, CLOSED DATE Trade : US DEPARTMENT OF EDU EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : ACTIVITY DESIGNATOR, SCHEDULED PAYMENT, DATE OF MAJOR XXXX DELIQUENCY REPORTED, CLOSED DATE Trade : XXXX XXXX XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU.
Consumer complaint received 2024-03-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Throughout my history with this account, I've consistently made timely payments, avoiding any instances of overdue payments. I'm uncertain about the rationale behind the late payment remarks appearing on my accounts. According to 15 USC 1666b - Billing Error, any discrepancies should be rectified.
Consumer complaint received 2022-07-09
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. (TX)

In accordance with the Fair Credit Reporting Act, the following addresses and phone numbers have violated my rights. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section A. States I have a 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 2022-07-26
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. (NJ)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have sent multiple attempts to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX and my Police report that I have filed on my local police department that would testify that I am a victim of Identity Theft.. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-09
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. (TX)

In accordance with the Fair Credit Reporting Act, the following addresses and phone numbers have violated my rights. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section A. States I have a 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 2023-03-26
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: JPMORGAN CHASE & CO. (AZ)

Chase Auto Account # XXXX XXXX & XXXX reporting issues. It is well documented that I have tried contacting Chase numerous times to find out how to set up autopay. My intention is to pay my automobile payment biweekly which could potentially save me years of payments. When I have called Ive been told I can do this online. I was clear I wanted to do this biweekly and not monthly as no interest is saved. I have always had to speak to representives from another country with language barriers. They say rest assured XXXX I will get you the steps to accomplish this. I have never been successful at doing this as Chase online will only allow you to set up one payment. With my busy schedule I just dont have the capacity to monitor and pay the additional payment. One half of my monthly payment has been paid automactically while I struggle to find ways to set up the other payment. I was notified that I was reported negatively to the credit bureau. When I spoke to a manager who was very knowlegable about the automatic payment options he advised me for the first time I can not set up two auto payments. I would have to go directly through my banks bill pay service. He put in a request to waive the negative reporting but it was denied. They are perfectly okay giving out incorrect information to consumers regarding payment options that are inpossible to achieve. I would not have been late if I could have actually set this up. I have reached out to the executive offices at Chase after numerous calls. I was told he can not reach you and the claim is closed. They have not updated the negative reporting that has cost me a 70 score drop. The need to take accountabity for not training employees properly on available payment options. Instead they are not. The first time I was given correct information by Chase on my actual payment options was on
Consumer complaint received 2022-07-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Bank of America provided XXXX a false address located in XXXX XXXX Nevada on XX/XX/XXXX under my name and phone number in an attempt to re-open a closed settlement in XXXX. 
Bank of America then enlisted the services of the XXXX XXXX XXXX in XXXX XXXX California to send collections notices and harassing phone messages.
Consumer complaint received 2018-08-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Credit score with Transunion significantly dropping even after paying off accounts and lowering my utilizations. No explanations for score dropping. Possible fraud going on.
Consumer complaint received 2018-08-26
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: Avant Credit Corporation (TX)

I unfortunately was a victim of identity theft. On XX/XX/XXXX a total of 6 unauthorized requests for credit was made in my name to a number of different online lenders. Gladly no fraudulent accounts were ultimately opened from this attempt. I have successfully removed all credit inquiries from my credit report except for the 2 companies outlined below. Both companies will not respond when contacting their fraud group and requesting status of the inquiry removal. I have supplied all the information they indicated as required to resolve this issue. I originally reported these concerns to the companies below in XXXX of XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX ( XXXX ) XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
Consumer complaint received 2018-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MI)

Dear Sir, I have run the Experian Credit Report dated XX/XX/2018, Experian kept on reporting false information on my credit report. I have communicated my personal information multiple times name, address, SSN, date of birth and various identification details. Experian kept on mentioning wrong details of name and address. I have also communicated to CFPB as well as Experian Multiples times on my name, address and various details. Experian have communicated to CFPB that they correctly mentioned my name and address, again they mentioned various wrong details of my name and address. 
Could CFPB kindly direct Experian to disclose the details of the creditor, who reported the wrong name and address in the credit report dated XX/XX/2018. 
Could CFPB to take appropriate action against Experian for entertaining wrong name and address in my credit report for granting access to creditors even though it was notified to Experian multiple times through CFPB and all the complaints are part of the record.Could CFPB kindly direct Experian to remove the wrong name and address from credit report. Experian holds the accountability and responsibility for creating troubles to consumers and keep entertaining the wrong names and addresses in my report.
Consumer complaint received 2018-08-26
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: Upgrade, Inc. (TX)

I unfortunately was a victim of identity theft. On XX/XX/XXXX a total of 6 unauthorized requests for credit was made in my name to a number of different online lenders. Gladly no fraudulent accounts were ultimately opened from this attempt. I have successfully removed all credit inquiries from my credit report except for the 2 companies outlined below. Both companies will not respond when contacting their fraud group and requesting status of the inquiry removal. I have supplied all the information they indicated as required to resolve this issue. I originally reported these concerns to the companies below in XXXX of XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX