davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-18
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. (MD)

according to The Fair Credit Reporting Act these listed accounts has violated my rights of privacy and the Consumer Reporting Agencies are complicit. 
account # XXXX XXXX XXXXl account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX frontline as 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 states a consumer reporting agency can not furnish a account without my written instruction
Consumer complaint received 2023-12-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (TX)

The sum is {$71.00}. 
I repeatedly filed disputes with Cashapp that were denied repeatedly. The seller on the fake online site never sent confirmation of the order nor have I received the products ordered on XXXX XXXX. Cashapp sites the seller fulfilled their obligation. How, what proof supports a fake website?
Consumer complaint received 2019-08-26
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AES/PHEAA (NY)

The payment was sent XX/XX/XXXX via registered mail number RE XXXX XXXX XXXX US AND THE DEBT VALIDATION LETTER ON XX/XX/XXXX VIA CERTIFIED MAIL NUMBER XXXX
Consumer complaint received 2023-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MN)

In accordance with the fair credit reporting act these creditors XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights under 15 usc 1681 sec 602 states I have the right to privacy. 15 usc section 604 a it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC 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 2021-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NC)

On XX/XX/2021, i made an online purchase from a store called XXXX for products for my business for the amount of {$60.00}, after checking out i received no notification on when i'd receive those items, so i went back to the website and tried to contact the seller, through its Contact Us page, but the email is not in text form .... its a photo picture of the email, so i emailed them ... ..then i XXXX that email and thousands of reviews said the website is a scam and set up to look legitimate and its fake, so i logged into XXXX to make a complaint and XXXX  denied my claim. 

So on XX/XX/XXXX i immediately contacted Chase credit card services to put them on notice, that i unknowingly made a purchase on a scam website and to stop payment, they refused and told me to wait 7 days, so i agreed, then i called back after the 7 days and was told by a supervisor named XXXX on XX/XX/XXXX that i needed to wait 45 days to give the seller an opportunity to deliver. 

I feel i'm being discriminated against because of i'm a XXXX male its my race and gender, and if i were a white male or female with a different type of chase credit card, i would have received a refund back to my account much sooner.
Consumer complaint received 2024-10-11
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. (IL)

I know for sure that I pay my bills when theyre due. What I dont understand is why Ive been marked late by this company for certain months. USC 1666b says billing mistakes must be fixed and my account updated as paid on time.
Consumer complaint received 2023-08-08
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. (TX)

I implore you to take action and remove these fraudulent accounts from my credit report immediately. I did not authorize or initiate these accounts, and it is unfair for me to be held accountable for them. I urge you to take the necessary steps to rectify this error as soon as possible.
Consumer complaint received 2020-12-02
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: STERLING JEWELERS, INC. (TX)

Hi, My name is XXXX XXXX XXXX, I am writing to complain on XXXX for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. I have filed a police report and identity theft report ( XXXX ) and still refuse to help. 

The following are some of the dates of the letters I have mailed out : XX/XX/2020 XX/XX/2020 XX/XX/2020 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.
Consumer complaint received 2023-11-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (WV)

On XX/XX/2023 I was looking on XXXX XXXX and seen a post for women 's XXXX  outfits for sale so I messaged the seller about them through XXXX XXXX. On XX/XX/2023 she messaged me back and we chatted about them for a little while and I decided to buy some of the outfits because she told me that she would sell me XXXX of them for {$250.00}. I went to the Cashapp and sent the {$250.00} to her Cashapp account and then we chatted for a little bit longer and then she told me that she would let me buy the remaining XXXX outfits for {$67.00} that way she could send them to me all at the day so I went back into my Cashapp account and sent the other {$67.00} to her Cashapp. She told me to send her my address and everything so I did and she told me that after she sent them out she would send me the tracking information and we ended the chat after that. The next day I waited for a little while for her to message and she never did so I tried messaging her several times but she had done something so she wouldn't receive my messages and never got in touch with me so I went to XXXX XXXX and tried to report her account and everything but she had removed all of her information and left the group that she had posted the outfits in. When she done that I couldn't report her or the situation to XXXX. I signed back in my Cashapp account and tried requesting my money back several times and she declined them so I reported her to Cashapp XXXX XXXX and explained the situation to them and tried to file a dispute claim but couldn't and Cashapp told me that they weren't going to do anything about the situation even though I have proof of the whole situation. I didn't know what else to do so I contacted the XXXX website and explained everything to a representative and they sent me to this website to file a claim about the situation. I have proof of the conversation and the proof that I sent both payments to her Cashapp account. I also, have some pictures of the items that I paid for but never received and a picture of some people that she knows or something. Her XXXX XXXX account name is XXXX  XXXX and her XXXX is XXXX  XXXX. I have the proof of everything but it isn't letting me attach the stuff to my complaint but I will try to figure out how to send it if it is needed.
Consumer complaint received 2021-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (MI)

On XX/XX/XXXX, I logged into my Sears MasterCard online account to find my balance due, but I was presented with a screen demanding that I give them my income, job and current house payment information. Mind you, I've had this card since XXXX and stopped using it for several years due to similar problems. There was no way to cancel out of this screen or a " Later '' option. I was not asking for a credit line increase or any other changes. 

I finally clicked to update my information, at which point the normal menu appeared and I could see what my balance due was, which is what I wanted to get. 

I really resent this pushy kind of attitude from Sears. I won't be using this card again, at least for several years.
Consumer complaint received 2023-04-18
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: EQUIFAX, INC. (TX)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment XXXX, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX ( XXXX Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$2000.00} ; XXXX XXXX ( XXXX XXXX : XXXX XXXX XXXX  XXXX XXXX XXXX : {$780.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX {$590.00} ; XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ;
Consumer complaint received 2021-08-04
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: Experian Information Solutions Inc. (CA)

There are 6 Accounts on my credit report that do not belong to me I have not used or know what these accounts are I need these off my credit report ASAP!!!!! 

XXXX XXXX XXXX  - Acct # XXXX XXXX {$1000.00} XXXX XXXX  - Acct # XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX - Acct # XXXX XXXX {$0.00} XXXX - Acct # XXXX XXXX {$0.00} XXXX XXXX XXXX  - Acct # XXXX XXXX {$67.00} XXXXXXXX XXXX- Acct # XXXX XXXX {$0.00}
Consumer complaint received 2021-01-30
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. (TX)

XXXX  refuses to investigate and delete fraudulent unauthorized hard inquiries, they simply say they Im out of luck. 

Here is the letter I sent them. 

XX/XX/XXXX XXXX  XXXX. XXXX XXXX XXXX, GA XXXX Dear XXXX  I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : Creditor : XXXX XXXX  INQUIRY ON : XX/XX/XXXX Creditor : XXXX XXXX XXXX XXXX ON : XX/XX/XXXX Creditor : XXXX XXXX XXXX  INQUIRY ON : XX/XX/XXXX Creditor : XXXX XXXX INQUIRY ON : XX/XX/XXXX Creditor XXXX XXXX XXXX INQUIRY On : XX/XX/XXXX Creditor : XXXX XXXX XXXX  Inquiry on : XX/XX/XXXX Creditor : XXXX XXXX Inquiry on : XX/XX/XXXX Creditor : XXXX XXXX Inquiry on : XX/XX/XXXX Creditor : XXXX XXXX XXXX  Inquiry on : XX/XX/XXXX Creditor : XXXX  XXXX XXXX XXXX Inquiry on : XX/XX/XXXX Creditor : XXXX  XXXX XXXX XXXX Inquiry on : XX/XX/XXXX Creditor : XXXX XXXX Inquiry on : XX/XX/XXXX Creditor : XXXX XXXX Inquiry on : XXXX Creditor : XXXX XXXX Inquiry on : XX/XX/XXXX Creditor : XXXX XXXX XXXX XXXX Inquiry on : XX/XX/XXXX Creditor : XXXX XXXX XXXX Inquiry on : XX/XX/XXXX Creditor : XXXX XXXX Inquiry on : XX/XX/XXXX Creditor : XXXX XXXX Inquiry on : XX/XX/XXXX Creditor : XXXX XXXX XXXX XXXX Inquiry on : XX/XX/XXXX Creditor : XXXX XXXX XXXX Inquiry on : XX/XX/XXXX Creditor : XXXX XXXX XXXX XXXX XXXX Inquiry on : I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below. 
I look forward to receiving an updated copy of my credit report reflecting the above corrections. Thanking you in advance.
Consumer complaint received 2023-07-21
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. (FL)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX 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 2021-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

I Have prevously disputed the erroneous data for XX/XX/XXXX through XX/XX/XXXX with both XXXX XXXX and Equifax. XXXX refuses to fix despite acknowledging status of the accounts as being in a disaster forbearance and subsequent deferment for the period ( XXXX ) of derogatory history reported to Equifax. In my prior Equifax disputes, Equifax has translated it to general eOSCAR code " incorrect account information '' to get around having to conduct an actual investigation. In its place Equifax then requests an automated update of the information for the account/tradeline resulting in perpetuation of the inaccurate/unverifiable information ( adverse credit history ). As an aside, this practice is not new, as XXXX XXXX XXXX of XXXX XXXX XXXX, XXXX. provided written testimony to the HOUSE XXXX XXXX XXXX XXXX on XXXX XX/XX/XXXX, on behalf of the XXXX XXXX XXXX XXXX XXXX, specifically outlining the practice ( retrieved from https : XXXX ). A copy of the testimony is attached. 

The attached documentation shows XXXX own response to the CFPB explaining the periods of deferment and forbearance for both subgroups. Consequentially Equifax CAN change the information without the input of XXXX.
Consumer complaint received 2021-01-30
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: EQUIFAX, INC. (NJ)

I sent a letter dated on XX/XX/2020, requesting the company to remove inaccurate information from my credit report that is on file with them. The company sent a response dated on XX/XX/2020, deleting some of the inaccurate information but left XXXX bankruptcies in the public records section. I sent a Method of Verification letter dated on XX/XX/2020, requesting how the information of bankruptcy was verified as my right as per the Fair Credit Reporting Act ( F.C.R.A. 611 ( a ) ( 7 ) -to request a complete description of all methods used to investigate my dispute ). 

To the date of this complaint, I did not receive a response and the company had fifteen ( 15 ) days to provide a response to the Method of Verification as per the Fair Credit Reporting Act.
Consumer complaint received 2022-04-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION (CA)

XXXX XXXX XXXX XXXX XXXX, my company, is renovating a small hotel in XXXX XXXX, CA. XXXX XXXX XXXX XXXX XXXX XXXX is one of our local subcontractors. Someone gained access to email exchanges between companies and then posed as XXXX  ownership and management. XXXX XXXX XXXX then wired a progress payment of {$97000.00}, believing it was an XXXX account. It was not. 
The wire transfer was to a fraudulent account at Truist Bank. We contacted Truist initially by phone to advise them. There has been no response. On XXXX, I mailed Truist Bank Chairman & CEO ( XXXX XXXX, XXXX ) + Chief Information Officer ( XXXX XXXX  ) a letter explaining the situation along with numerous documents relating to this scam. It is now three weeks later and still no response. I believe they realize they made a terrible mistake and hope I will give up pursuing financial reimbursement. I will not. 
I am aware Congress has passed laws protecting banks but do not believe these laws cover negligence when banks allow fraudulent accounts to be established. Truist should have taken more security steps to insure this was not a fraudulent account. In addition, the wire transfer info we provided included the wrong address, city and state as a Truist location. This alone should have raised red flags at Truist, but it did not. 
Truist needs to determine how and why this fraudulent account was permitted, accept responsibility and reimburse me for money lost.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2022-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2021-01-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (NY)

I have two issues with Navient : I called requesting that all monies paid for my loans that are subject to forbearance under the CARES act be returned. The representatives gave me a difficult time, although I see several Direct loans owed by the US Department of Education in my account statement. 

I, also wanted to exercise the forbearance opportunity under the CARES Act. I understood them to say that my loans were under them, and the forbearance that I had in the past was through Navient not by way of the CARES Act.
Consumer complaint received 2021-11-23
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. (TX)

On XX/XX/2021 I, XXXX XXXX XXXX, the natural living and breathing person, sent out the required documents containing an ftc report which they received XX/XX/2021 and dispute for the identity theft shown in my Experian account. I have a green receipt from XXXX which shows that this company in fact received the documents and theyre using deceptive tactics stating they have not received my documents to keep the identity theft remaining on the account which violates XXXX usc XXXX ( XXXX )