davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-15
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. (PA)

Im submitting this complaint to inform you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime.The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. The following items listed below are unknown to me. XXXX XXXX Balance : {$7100.00}, XXXX XXXX Balance : {$14000.00}, XXXX XXXX XXXXXXXX Balance : {$990.00}, XXXX on Equifax, XXXX, XXXX, XXXX of XXXX.
Consumer complaint received 2022-08-15
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. (PA)

Im submitting this complaint to inform you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime.The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. The following items listed below are unknown to me. XXXX XXXX Balance : {$7100.00}, XXXX XXXX Balance : {$14000.00}, XXXX XXXX XXXXXXXX Balance : {$990.00}, XXXX on XXXX, XXXX, XXXX, XXXX of XXXX.
Consumer complaint received 2023-07-04
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: Credit Karma (LA)

It say XXXX XXXX I made a new credit account with XXXXXXXX XXXX XXXX which caused a hard inquiry also XXXX XXXX it's says I started a bank with XXXX  that I have no knowledge of.
Consumer complaint received 2022-08-15
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. (CO)

I alerted Experian to the presence of incorrect information ( addresses ) present on my credit profile. 

Some of the incorrect information was removed, but incorrect information ( addresses ) is still present on report generated XX/XX/2022.
Consumer complaint received 2022-08-15
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. (NY)

Starting during my time as a student at XXXX XXXX  my financial aid/scholarship/grant package changed for reasons unknown to me. As a result, I felt forced to take XXXX University private institutional loans. I felt it was my only choice besides being removed from the University for financial reasons. 
Upon graduating, I began paying these private institutional loans. 
They were placed in deferment when I took some additional classes at a community XXXX, aiming to be admitted to professional/graduate school. They continued in deferment when I entered graduate school. In XXXX, when I was in graduate school and my XXXX loans were to be in deferment, the University placed them in collections. They were placed in default/collections with no warning to me. I promptly contacted the XXXX University Bursar 's office to resolve this matter. They were rude, combative, and insulting to me and my character. 

Despite the fact that these high-interest loans were to be on in- school deferment, they still unjustly placed them in collections. The University claimed that they had contacted me regarding the loans. They provided no documentation of these alleged contacts. Other than telling me they had made contacts. They refused to show any proof, or allow me to talk to a higher level of financial authority at the University. 

One of the reasons I had to withdraw from graduate school was due to the inability to get federal financial funding, due to these loans wrongfully labeled as defaulted on my credit report. Since XXXX to this current year, XXXX, I have been harassed by different collection agencies on behalf of XXXX University. I have been harassed by these parties acting on behalf of XXXX University for XXXX years.This is in spite of my continuous dispute of loan default. One collection agency ( working on behalf of XXXX University ) even contacted me again this year, XXXX, despite my previous explicit instructions for them not to contact me in any manner.
Consumer complaint received 2022-08-15
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. (CA)

Please be advised this is my SIXTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite five previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct.

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-08-15
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)

I wrote all three credits agencies to inform them of the inaccurate information. The account number is XXXX the name is XXXX XXXX. This account was last updated on XX/XX/XXXX XXXX. My name is not spelled correct or date of birth.
Consumer complaint received 2022-09-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST NATIONAL BANK OF OMAHA (CT)

12 CFR 1026.21 Treatment of credit balances ( a ) Credit the amount of the credit balance to the consumer 's account ; ( b ) Refund any part of the remaining credit balance, upon the written request of the consumer; and ( c ) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than 6 months, except that no further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number. 


First National Bank Of Omaha is liable and held accountable under CFPB regulations under 12 CFR 1026.21 to return to me as demanded in writing a full return of Credit Balance and limit payable by cashier 's check to address given and failure to do so will result in WILLFUL ILL-WILL and Federal Violation against I the original creditor and protected consumer.
Consumer complaint received 2022-08-14
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. (PA)

XXXX XXXX XXXX XXXX XXXXXXXX ) Account # XXXX Date Opened : XX/XX/2013 Dear XXXX XXXX Experian This letter is to inform you that I have become a victim of identity theft. I contacted the Federal Trade Commission and filed a FTC complaint which is attached.. This account are hindering me from obtaining new credit and thus causing me much hardship. 

I am 100 % willing to work with the credit bureaus and authorities to resolve this matter as soon as possible. I will be following up with your agency to assure everything is being done to remove this account from my report. Please be aware all required documentation is within this packet and has been Faxed and mailed via Certified mail to your agency. 

Please remove it from my credit report or Im seeking litigation please delete. 

This account on my XXXX credit report has been on there way too long and inaccurate. When contacting the creditor they said they do not know why XXXX still is showing the account when it has been deleted on their end and according to them and XXXX has themselves deleted the account 2 years ago. They said its not up to them but up to them credit reporting agency. 

XXXX stated that it should of been deleted over 2 Years ago as it was a XXXX account
Consumer complaint received 2022-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AL)

XXXX XXXX XXXX XXXX Account # XXXX Has failed to correct and report proper payment status and balance of this account to my detriment. XXXX XXXX XX/XX/XXXX as well as XXXX, XXXX, and XX/XX/XXXX they have failed to fully report the status and balance of this account. Omitting this information has resulted in positive payment History creditors dropping me from making any withdrawals as these omissions are reporting as unknown and presumed as missed payments. I have settled this account with XXXX XXXX and they continue to report incomplete information. After settling this account they reported this account with a new major delinquency XX/XX/XXXX to the credit bureaus after agreeing to report the account as XXXX XXXX XXXX this creditor is spiteful and unjust even after I elected to settle the account in good faith. Even now they will not report the original balance, the date closed, past due amount which should say {$0.00}, or date of last activity. I have been told by XXXX XXXX that the new reports would be correct and after disputing with the bureaus they refuse in an effort to harm my odds of homeownership or favorable credit scores they have failed to report accurate and complete information numerous times please delete this account from all bureaus.
Consumer complaint received 2022-08-14
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CREDIT ACCEPTANCE CORPORATION (MI)

XX/XX/XXXX of 2022, a negotiable instrument was tendered in accordance with various XXXX XXXXXXXX XXXX for the complete amount of said claim in accord and satisfaction of said claim upon the redemption of the instrument which i signed without recourse and which this instrument was redeemed sometime end of XXXX or beginning of XXXX. ive sent previous negotiable instruments in the past as well, all of which were redeemed by company but with no assistance from company i was not able to verify the discharge of debt. following these events, my property was repossessed by said company without communication.
Consumer complaint received 2022-08-14
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: FAIR COLLECTIONS & OUTSOURCING, INC. (TX)

I have been disputing this account for over a year and nothing has been resolved. 
PER 17 CFR 248.7 by law, Fair collections & outsourcing and XXXX were suppose to have sent me an opted out letter before putting any information on my consumer report, and they never did .They have been reporting fraudulent information on my consumer report I have sent in police reports and ftc reports and they continue to report illegally to my consumer report. Due to the privacy act of XXXX it is very illegal to obtain my information without notifying me first, I have no knowledge of this account i have no knowledge of who these person are. I have never given this company my information and the way my information was obtain is a privacy act of XXXX concern. Per this federal law 17 CFR 248.7 I am opting out of this company reporting information to my consumer report. I do not want my information in their system due to the privacy act of XXXX. According to 15 USC 1681C-2 They have 4 days by law to remove the information from my consumer report I have sent them an opted out letter last month at this time both companies it is now willful noncompliance 15 USC 1681n .
Consumer complaint received 2022-06-07
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. (CA)

On XX/XX/2022 I sent a letters XXXX credit reporting The Credit bureaus stated Account Name : XXXXXXXX XXXX XXXXXXXX & Account # XXXX was properly investigated but how is this possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is grounds for a removal. They also violated my rights under 15 U.S.C. 1681 section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions I haven't given these accounts written permission to furnish these accounts on my credit report
Consumer complaint received 2022-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Complaint Against XXXX and EXPERIAN XXXX XXXX XXXX made false claims ( that they have since retracted ) about XXXX ( XXXX ) late payment dating back to XX/XX/2020. Although XXXX XXXX XXXX fixed the error on their side, and has notified XXXX and Experian, XXXX and Experian refuse to correct the false report and is publishing false information about me without my consent. 

It is my understanding that : According to : 15 U.S. Code 1681b - A consumer reporting agency shall not furnish for employment purposes, or in connection with a credit or insurance transaction, a consumer report that contains medical information about a consumer, unless the consumer consents to the furnishing of the report.

Section 623 ( e ). The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate.

Section 611 ( a ) of the FCRA requires a CRA to conduct a reasonable reinvestigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate. 

XXXX. I have provided NO WRITTEN CONSENT to XXXX or Experian or to XXXX XXXX XXXX to provide/publish/display/collect information about me, my credit or financials XXXX. XXXX and Experian have been informed about the error and continues to provide false information XXXX. XXXX and Experian have not performed a reasonable investigation into the matter, which if they had, would quickly determine the report was false, as was realized by XXXX XXXX XXXX. 

Need XXXX and Experian to remedy this immediately : XXXX. Remove false late payment information
Consumer complaint received 2022-08-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

In accordance with the Fair Credit Act, XXXX  account # XXXX with XXXX XXXX account # XXXX with XXXX XXXX XXXX and XXXX  account # XXXX with 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 : also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-08-15
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: Experian Information Solutions Inc. (AR)

I would like to state that XXXX, Experian, and XXXX is in violation of 15 USC 1681 ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer. I the consumer never gave XXXX, Experian, or XXXX written consent to report anything on my consumer report. No consent is identity theft. I would like to state pursuant to 15 USC 1681 ( a ) ( 1 ) that the banking system is dependent upon fair and accurate consumer reporting. By allowing XXXX, Experian, and XXXX these inaccuracies to be furnished on my consumer report, it may cause me to lose confidence in the banking system. If XXXX, Experian, or XXXX wants to continue to do business with me, they should delete these inaccuracies off my consumer report immediately.
Consumer complaint received 2022-08-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I would like to state that XXXX, XXXX, and Transunion is in violation of 15 USC 1681 ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer. I the consumer never gave XXXX, XXXX, or Transunion written consent to report anything on my consumer report. No consent is identity theft. I would like to state pursuant to 15 USC 1681 ( a ) ( 1 ) that the banking system is dependent upon fair and accurate consumer reporting. By allowing XXXX, XXXX, and Transunion these inaccuracies to be furnished on my consumer report, it may cause me to lose confidence in the banking system. If XXXX, XXXX, or Transunion wants to continue to do business with me, they should delete these inaccuracies off my consumer report immediately.
Consumer complaint received 2022-04-28
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. (MO)

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, Experian, and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$780.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$780.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$780.00} XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (TX)

Approximately XXXX of 2022 I realized I had fallen Victim to a couple of scammers that lasted over a year. I met these two women online who claimed to be psychic women and possessed Devine powers. They claimed to be able to eliminate any negativity from your life, being abundance, and any past relationships. I was young and very vulnerable when I met these people. I was fresh out of relationship and just moved to a big new city by myself. These people claimed they would be able to bring my ex back, but I had to put In the work and it was very important I never told anybody. Once all of the work was complete I would get my money back the transactions started off with a simple reading : {$20.00} for the first session. They claimed to found the reason why me and my ex broke up, and they were the only ones with enough experience and skill that could bring us back together. I would send hundreds of dollars at a time for the work to be done each time I came back with hope of the work being complete and me and my ex would finally be back together. However it resulted in the opposite. They told me the work wasnt strong enough and required stronger materials such as bigger crystals and stones. I paid THOUSANDS for these materials I took out a loan from XXXX XXXX for {$8000.00} USD and sent my whole entire paycheck one time because they said it was cursed and had to be cleaned. As you are reading this I know it probably sounds obscured but its the truth. I was in a very isolated time of my life and their tactics made me feel like they were the only ones that understood my situation. Remember, I wasnt allowed to tell anybody, and once the work was complete I would get all of my money back. I sent over {$20000.00} USD to these people before I realized the actual amount I sent. I have put myself further in debt because I fell victim to their scam. I have reported everything to CashApp on different occasions and each time leads me to a dead end. I tried to dispute the transactions but they were no help. I received a message that said along the lines sorry about the fraud. We dont intend for our users to be scammed. There is nothing else we can do I never received an email from them stating why they couldnt dispute the charges. Only a verbal no we can not do that no actions/precautions were taken by CashApp to support one of their customers and it left me losing {$20000.00} USD I have proof of all transactions and actions that I have taken in attempt to get my money back