davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-28
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. (FL)

I am writing to formally notify you that I am a victim of a data breach, resulting in fraudulent account activity and credit inquiries appearing on my credit report. I request that the following account and inquiries be blocked and deleted from my credit file pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Fraudulent Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LEXISNEXIS (TX)

XX/XX/2022, I sent a letter to the United States Bankruptcy Court XXXX XXXX XXXX Texas " XXXX XXXX Number # XXXX '' asking if they do in fact report bankruptcies to the credit bureaus and I got a reply stating the court ( does not report information to any credit reporting agency ). So, if this is the case, how did the credit bureaus verify my bankruptcy as 100 % accurate? They never conducted a fair investigation according to 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items or information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights several times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to 15 USC 1681 section 602 A. States I have the right to privacy.

According to : 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

According to : 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-09-14
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CCF Intermediate Holdings LLC (NV)

A wage garnishment was initiated against me twice by this company without notification and I did not receive any legal papers. I had a payday loan with Speedy Cash in XXXX. I did fall behind on the loan. When I called Speedy Cash to tell them I wanted to take care of the loan I was told that it was sold to a debt collection company. I did not hear from them until late XXXX when someone came to my door to tell me that if I don't contact them I would be sued. The company was XXXX, XXXX and XXXX. I went to the office and paid the {$150.00} and they gave me the paperwork. The had all of my information and they told me they would send me a payment schedule to pay my balance. The balance was around {$1100.00}. I never received any information or phone call, mail, email nothing. Then COVID hit and everything was on hold. I was waiting to hear from them and no communication. Then in XXXX of XXXX I was hit with a wage garnishment without any notification or a notice of a court date. I called the office and spoke to a representative and was told they tried to get a hold of me. They had my phone number and email address. I had moved but I had mail forwarding. I agreed to pay around {$1000.00} up front to stop the garnishment. Now my owed amount was over {$2000.00}. I paid the {$1000.00} and the wage garnishment was not stopped. The representative told me that they had submitted the requests to XXXX XXXX and the garnishment was cancelled. My employer never received the paperwork and the wages were still taking out of my paycheck. It took me 4 months to correct it and to get the money that was garnished back. I was told that my account was on hold until the wage garnishment was corrected. I called the representative five times to update her and no response. I made two payments the last one was for {$150.00} on XX/XX/XXXX. I received another wage garnishment on XX/XX/XXXX which more money was added and I was never served paperwork or notified of any court dates. The original bill was for around {$800.00} and because of the wage garnishments and other fees the total bill is over {$2000.00}. The company knew my cell phone number, email address, address, my daughters cell phone number and my sisters cell phone number. They had every opportunity to contact me if they needed me to pay off the bill at once. I was having medical issues and will have to apply for XXXX but I was still trying to pay it off. 
I'm afraid that if I pay off the additional balance they will get another wage garnishment against me for other fees.
Consumer complaint received 2022-12-28
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: EQUIFAX, INC. (GA)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 
These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.
Consumer complaint received 2023-01-18
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: LEXISNEXIS (NV)

I have a copy of my LexisNexis credit report and noticed 4 accounts I did not authorize per 15 U.S. Code 6801 ( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. According to FERPA stands for the Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) and is a federal law that protects the privacy of students ' educational records. The law applies to all schools that receive funds under an applicable program of the U.S. Department of Education.

15 U.S. Code 6803 - Disclosure of institution privacy policy ( C ) subject to any provision of law, rule, or regulation issued by a legislative or regulatory body of the State, including rules of professional conduct or ethics, that prohibits disclosure of nonpublic personal information without the knowing and expressed consent of the consumer.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Disputed public record with TransUnion on XX/XX/23 and 3 days later, XXXX, I received dispute results stating its been verified. Obviously, there was no investigation done. My credit report showed the same last date reported. Violation. Per FCRA, I'm entitled to an accurate credit report. TransUnion is not reporting accurate information so therefore I want the account deleted. I have included there dispute results.
Consumer complaint received 2024-10-28
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: Experian Information Solutions Inc. (NC)

Subject : Request for Removal of Unauthorized Hard Inquiries To Whom It May Concern : I am writing to dispute certain hard inquiries listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate credit report. Specifically, under 15 U.S.C. 1681b ( c ), hard inquiries can only be conducted with my consent or for permissible purposes. I did not authorize the following inquiries on my credit report : Attach is a list of all inquiry name and date.

These inquiries were not initiated by me and, therefore, are unauthorized. Under 15 U.S.C. 1681i, I am requesting an investigation into these inquiries, as they negatively impact my credit score and overall report accuracy. 

Please remove these inquiries from my credit report or provide verification that I authorized them. Additionally, if you find that these inquiries were unauthorized, I request written confirmation of their removal for my records. 

Enclosed with this letter, you will find a copy of, my credit report with the unauthorized inquiries highlighted. 

Please confirm receipt of this request and provide an update within the 30 days as required by law. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-07-15
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. (VA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : It also states a consumer reporting agency can not furnish a account Without my written instructions
Consumer complaint received 2022-09-05
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. (NC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-07-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

When I checked my credit report, I realized that some of the information was erroneous. The XXXX and TransUnion credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts/information below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc. (KS)

Dear [ CFPB ], I am writing to file a formal complaint against CashApp, a money service app that operates as a bank account. I believe they have violated their own terms of service by engaging in questionable practices that have resulted in significant financial distress for me. 

I discovered that a substantial amount of money had disappeared from my CashApp account without any prior notification or explanation. To my surprise, there were no transaction statements or emails indicating the occurrence of any refund or withdrawal. It was as if the money had simply vanished into thin air, leaving me concerned about potential fraudulent activity. 

After numerous attempts to ascertain the cause of this unexplained discrepancy, I finally reached out to CashApp 's customer support. Their response left me further unsettled. They claimed that a technical error had occurred, resulting in two transactions, one on XX/XX/XXXX for {$74.00} and the other on XXXX for {$40.00}, being refunded weeks after they should have been completed. However, I was never informed of these alleged refunds, nor was there any record of such transactions in my account statements. 

Months later, on XX/XX/XXXX, CashApp withdrew an additional {$110.00} from my account without any form of notification or transaction statement. This action is a direct violation of their own terms of service, specifically XXXX XXXX, which clearly states their liability for incomplete or incorrect transactions. 

What exacerbates this situation is that I rely on biweekly direct deposits from my employer. The regularity of these deposits reinforces the notion that my account balance accurately reflects completed transactions. However, CashApp 's alleged technical errors and subsequent actions have shattered this trust, leaving me in a state of financial turmoil and uncertainty. 

The lack of transparency, communication, and accountability displayed by CashApp is deeply troubling. They have failed to uphold their obligations as outlined in their terms of service, disregarding the importance of promptly notifying customers of any incomplete or erroneous transactions. 

This situation has caused me immense distress and has had severe financial implications. It has forced me to take time off work to address the issue, disrupted my ability to pay bills, and jeopardized my housing situation. The emotional toll has been significant, as I grapple with feelings of violation, helplessness, and anxiety over the security of my financial resources.
Consumer complaint received 2022-07-15
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. (MN)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Bureaus are required by law to remove & block any items or information which is found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove the following Fraudulent items 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, NV XXXX ; XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX  XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ; XXXX XXXX Balance Owed : {$6100.00} ; XXXX XXXX Balance Owed : {$2700.00} ; XXXX XXXX Balance Owed : {$5000.00} ; XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2400.00}.
Consumer complaint received 2024-10-28
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: Experian Information Solutions Inc. (IL)

I am submitting a formal complaint against Experian for failing to comply with the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) by not addressing or correcting inaccurate information on my credit report despite my previous requests. 
On XX/XX/year>, I sent a formal letter to Experian to request corrections of personal information on my credit report, specifically as follows : Correct Address : The only valid address associated with me is : XXXX XXXX XXXX, XXXX, IL XXXX I request the removal of the following incorrect addresses currently listed on my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Name Correction : Ensure that my name appears correctly as XXXX XXXX XXXX XXXX and remove any aliases or incorrect name variations.

To date, I have not received confirmation of receipt or any resolution from Experian, which fails to meet their legal obligation to investigate and correct errors within the 30-day period mandated by the FCRA. 
On XX/XX/year>, I am sending a second letter to Experian reiterating my request to ensure accurate and up-to-date information on my credit report. My concerns extend beyond simple data accuracy, as the presence of incorrect information could be misused, potentially enabling fraudulent actions that impact my credit history and financial security. 
I respectfully request the CFPBs assistance in reviewing this complaint to help ensure Experian upholds its responsibilities for the accuracy of consumer credit reports and complies with the legal requirements of the FCRA. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-07-15
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: ACIMA CREDIT, LLC (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account or information which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove this files. 

If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with XXXX XXXX accuracy that each account is XXXX XXXX true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

Once again experian notified me at XXXX XXXX  they were still working on the issue and 7 minutes before that they notified me that they closed another BORH COMPLAINTS WERE EXACTLY THE SAME WHICH IS EXPERIAN NOW HAS STOLEN ALMOST 19 MONTHS OF ON TIME NEVER LATE PAYMENT HISTORY TO CENTURYLINK THE REFUSE TO GIVE THEM BACK UNLESS I PAY THEM
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Self Financial Inc. (NC)

Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer rights to privacy pursuant to 15 USC 1681b 2. company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 4
Consumer complaint received 2022-07-15
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: Experian Information Solutions Inc. (GA)

This is my XXXX try to inform you that I am a victim of identity theft and I complain to question particular records in my document coming about because of some negligence. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or permissioned. Assuming no one cares either way, block the noteworthy of any information in my credit file that appeared due to alleged fraud. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX