davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-24
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (MA)

On XX/XX/ I purchased a vanilla Visa gift card for {$4.00} I then put {$500.00} on the card. There was still {$72.00} left on the card when vanilla shut off the card on XX/XX/XXXX Once the card has been shut off there was no way to get to customer service on the phone or online. I have made contact with them through the cfpb. communicated with XXXX XXXX. send it send me a check on the XXXX of XXXX never happened. Now no one answers that line of communication. Thank you for listening. XXXX XXXX
Consumer complaint received 2023-06-24
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: First Credit Services Inc. (TX)

First Credit Services contacted me and told me i have a debt that needs to be paid off. They asked me numerous times to provide my bank information through the phone but I was adamant on not doing so. They referred me to using their website to make the payment. Now its been months and they call me on the daily up to this day. It marked on my credit score
Consumer complaint received 2019-04-16
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)

one student loan account is reporting under my equifax credit file, this account was opened with out my knowledge, i have tried to dispute several student loans that did not belong to em,, every single one from all three bureaus since they were inaccurate were removed except this one account ( us dept of education account number XXXX date opened XX/XX/2011 {$750.00} ), i have disputed this account with equifax several times, but ehy have not been helpful. 
please you are my last hope to have this corrected, i will be attaching my FTC report and the police report. please find attached. 
thank you for your cooperation in this matter thanks
Consumer complaint received 2022-11-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

hey please remove this account I know you will understand me in this situation this is becoming a frustration to me.I am very annoyed and disappointed when I got my credit report just today.Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit. I want this to be deleted from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX {$85.00}
Consumer complaint received 2023-06-24
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NM)

I have fallen under the FDCPA, FCRA, and Regulation V obligations that Portfolio Recovery Associates , LLC has criminally failed to adhere to. 
They took or threatened to take negative or legal action against me. 
Portfolio Recovery Associates Continues to make monthly negative reporting on my 3 Bureau reports thus poisoning my credit scores for a few years now. They have made false or misleading representations concerning the debt, and continue to attempt to collect on debt that was outside the statute of limitations and was time-barred debt without making required disclosures during their process. 
They have Violated : I. New Mexico Debt Collections Laws a. Statute of Limitations NMSA 1978 37-1-1 et seq. governs New Mexicos statute of limitations for the collection of open accounts, written contracts, and judgments entered by the Court. In New Mexico, the statute of limitations for open accounts is four years, while the statute of limitations for written contracts is six years. In New Mexico, if a creditor can provide a signed credit card agreement, the SIX YEAR statute of limitations applies. The cause of action accrues on the last item therein, which can either be the last payment made on the account or the last statement sent to the debtor. Once entered, a judgment is enforceable in New Mexico for fourteen years and can not be renewed.
Consumer complaint received 2022-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

The inquiries listed in my report were inaccurate. I requested that they investigate these and analyze my files by sending letters to all three credit bureaus. The reality that these inquiries continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inquiries listed below : 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 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 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AZ)

EXPERIAN is reporting inaccurate information on my credit profile. I have no knowledge of these inquiries that are listed on my credit report profile. The inquiries are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-17
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: Experian Information Solutions Inc. (GA)

XXXX XXXX Experian XXXX XXXXXXXX XXXX Refuse to send in documentation that shows they validated a XXXX XXXX that is showing on my XXXX and Experian credit XXXX from the XXXX XXXXXXXX courts instead they are using a non validated third party for incorrect information
Consumer complaint received 2019-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

one inaccurate and fraudulent public records has been reporting under my name, this is a 100 % inaccurate information reporting under my name, i will be attaching my documents such as police report and the FTC report provided to both XXXX and the experian credit reporting agency. please you are my last hope in order to have these inaccurate information be removed from my credit file. i need to rent a place and because of this inaccuracy no one is helping me, the customer service for both has been disaster and none helpful. please i need you r help in this matter thanks
Consumer complaint received 2023-08-22
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (TN)

I bought a NetSpend card and put XXXX dollars on it.when trying to activate netspend locked it right off and said that my friends card had to be paid in full in order to use my card.they told me that I was on the cardholder agreement also.which I am not.i called several times trying to straighten this out.my address and phone number is same as friends but not email.she owes {$110.00} on her card and they're trying to make me pay it.i just bought my card today ( XX/XX/23 ) .she 's had her NetSpend card for over a year.my friend went online and the only person on her card is her..so does that not mean she's financially responsible? by the way they locked my card right off the bat.
Consumer complaint received 2019-04-16
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Turner Acceptance Corp. (IL)

To whom It may concern my name is XXXX XXXX, and I am filing this complaint against Turner Acceptance The company Turner Acceptance, which is located at XXXX XXXX XXXX XXXX, XXXX IL XXXX, and contact number ( XXXX ) XXXX. According to Turner Acceptance they sold this account to an unknown collection agency over four years ago in XXXX, but they are currently reporting the information to XXXX, and XXXX as an open account which is Illegal. I contact Turner Acceptance on XX/XX/XXXX, by phone and asked the representative who I spoke to give me the collection agency information in reference to get this account resolved, and the representative decline to give me the current collection agency any information about this account. I disclosed to the Turner Acceptance rep. that this information is repeatedly reporting on my XXXX  and XXXX   personal credit file, and I have the right to request this information, then the Turner Acceptance rep hung up. I will like Turner Acceptance to stop trying to report this false information.
Consumer complaint received 2022-11-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

n accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX  # XXXXXXXX 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 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 2023-08-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc. (MI)

Someone stole my identity. XXXX XXXX XXXX XXXX apartments allowed this person to lease an apartment in my name from XXXX. I only found out about the XXXX debt when a collection agency contacted me. Ive since disputed the debt and provided the collection agency with all my credentials. I drove to the apartment complex and notified the manager of my issue and submitted my credentials as well. The manager stated she couldnt find any identification on record of the person who leased the apartment in my name. I am aware that people have to submit identification to lease an apartment, and the records should be kept on file. Because there is no documentation on file to compare to my identification, the collection agency assumed the debt is legitimate and wont take it off my credit report. Im gon na have to take legal action
Consumer complaint received 2017-03-16
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (NJ)

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XX/XX/2014 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2022-09-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

There are several inquiries on multiple bureaus that i do not recognize and did not authorize. They are listed below.. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERICAN EXPRESS COMPANY (MD)

AMEX pulled my credit without my authorization and I have written a lot of letters to them to delete this inquiry as I did not authorize this since last year. They did nothing about it and ignored my many certified mails. 

their phone number is XXXX Address is XXXX XXXX. XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2019-04-16
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. (NJ)

I have contacted XXXX and Transunion via certified mail twice requesting for verification of accounts listed on my credit report within a 30 day time frame and both have failed to provide verification nor have investigated this matter to their fullest extent. 

I have enclosed a copy of my XXXX credit report and the most recent credit report from XXXX XXXX showing XXXX did their due diligence in requesting actual verification from these creditors.
Consumer complaint received 2022-06-12
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. (FL)

In accordance with Fair Credit Reporting Act XXXX account beginning with XXXX, have 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 : Also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-09-15
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)

This is a complaint of race and age discrimination. 
More than 6 years ago I led a picket outside a XXXX XXXX XXXX here in XXXX, Texas for race discrimination regarding lack of XXXX XXXX models ' pictures on display in the XXXX XXXX location. Our pressures eventually led to that location 's closing. Not long afterwards I began receiving from XXXX XXXX XXXX XXXX notice of the reduction in my credit card limit. It occurred again XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I recently turned XXXX on XX/XX/XXXX, and XXXX XXXX XXXX is fully aware because birthday discount sent. When I contacted XXXX XXXX XXXX customer service today, XXXX XXXX, XXXX at XXXX XXXX. I spoke to XXXX and asked who determined the need to constantly reduce my credit limit and he said it was there at XXXX XXXX XXXX. I reminded him of no problems making monthly payments so why the reductions? He said that every 90 days credit bureaus provide XXXX XXXX XXXX information. Considering overwhelming fraud at every turn, I asked why no one at XXXX XXXX XXXX had contacted me directly since this reduction was a regular situation? He could not answer and said he could re-send those same reduction letters to me. I feel strongly I am discriminated against due to my nationality and now age ; denied due process because XXXX XXXX XXXX never cared to contact me to hear my position and take corrective action not to my detriment. Complaints on credit bureaus have gone unaddressed and fraudulent activity on my credit history reflected in generalities.
Consumer complaint received 2019-02-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TCF NATIONAL BANK (MI)

TCF Bank Charged me several overdraft fees on my account. The problem is that multiple transactions had been fraudulent. I attempted to call and file fraud alerts on my account on several occasions. Each occasion TCF refused to work with me or co-operate. I filed a XXXX case against TCF. In this case I requested that TCF provide proof that i authorized, signed for, initiated and or requested the transactions that caused the account overdraft. 

XXXX {$9.00} XX/XX/2018. 
XXXX {$9.00} XX/XX/2018. 

TCF refused to provide proof. They provided no supporting documentation, validation, or verification that said transactions were done by me and not fraud. I again requested proof as i had on multiple occasions advised TCF these transactions were fraud and TCF refused to act and expected me to be responsible for paying the fees directly resulting from the fraud accounts. TCF again refused to provide any proof other than a flimsy written statement that the transactions were valid. I called TCF yet again and spoke with a manager advising them this was FRAUD and that I DID NOT AUTHORIZE the transactions and that i demanded proof since they at this point sent the balance to collections, harming my credit over a fraud transactions i should not have to pay. TCF again refused. According to law if they can not provide sufficient evidence or proof validating ownership of debt and or authorization of transactions then they must comply and remove the debt. TCF has refused, going so far as to say that i have to prove it was fraud. Which isn't possible because i have no access to whoever initiated these transactions without my consent.
Consumer complaint received 2021-02-18
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: DISCOVER BANK (NY)

On my credit reports there is a closed account with huge amount of missed payments. DISCOVER BANK XXXX XXXX XXXX XXXX, 2014 XXXX Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA DISCOVER BANK has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2022-10-26
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. (CA)

Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2020-02-07
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$100.00}, {$300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1.  XXXX/XXXX  with ACCT # XXXX opened on XX/XX/2012 with a credit limit of {$100.00} -This is not my account. 

2. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/2012 with a credit limit of {$300.00} -This is not my account.
Consumer complaint received 2021-11-05
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 Consumer Protective Agency was contacted regarding old accounts on my credit report. To date, Equifax has only removed one.  That was XXXX XXXX yet refuses to remove the other accounts older than 7 years. If the accounts are closed and I no longer do business with the organization why is the accounts still being listed. As I stated before this institution uses redlining to block XXXX Americans from obtaining credit. In addition, they keep old accounts listed, use derogatory statements that they add as well to block people of my XXXX background from obtaining credit. 
We have several accounts from DEPT OF Education that was closed. Some accounts were consolidated. Unclear as to why Equifax does not understand this. I am requesting for all accounts over 7 years old to be removed. Equifax in an attempt not to remove the old accounts changed the dates so it can be listed longer. 
In addition, there is a six-month exclusion rule. If an account is scheduled to drop off in six months the exclusion rule applies. I am requesting the exclusion rule to be applied to XXXX XXXX. The account was opened in XXXX and is scheduled to be removed in XXXX, of XXXX.
Consumer complaint received 2023-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (MD)

JPMCB Card XXXX hard inquiries on XX/XX/XXXX, and XX/XX/XXXX, are reported on my experian report. I spoke with a representative at JPMCB, and they recommended I report fraud. They stated they did not have any credit application history in my name. I also credit submitted a fraud dispute with XXXX.
Consumer complaint received 2022-10-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

My credit card with XXXX XXXX XXXX XXXX has been closed by Equifax which is still open and payments on time credit card issuer : XXXX XXXX XXXX XXXX card name : XXXX XXXX XXXX