davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I've been sending letters to Equifax credit reporting, since XX/XX/XXXX through XX/XX/XXXX, demanding actual validation of the debt on my credit file. Item in dispute ; XXXX, XXXX Receivables in the amount of {$4600.00} dollars, not my debt. I have not received any reply from Equifax nor verification documentation, per my request. Please help to remove this from my credit file, thank you.
Consumer complaint received 2022-01-02
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: Experian Information Solutions Inc. (TX)

MY IDENTITY HAS BEEN STOLEN. SOMEONE KEEPS OPENING ACCOUNTS IN MY NAME. I AM TRYING TO KEEP UP WITH MY CREDIT PROFILE BUT ITS SO HARD WHEN SOMEONE IS STEALING MY INFO OPENING UP FRAUDULENT ACCOUTNS. PLEASE INVESTIGATE THESE ACCOUNTS AND REMOVE THEM FROM MY PROFILE.
Consumer complaint received 2022-02-22
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: Experian Information Solutions Inc. (TX)

I, XXXX XXXX of the XXXX family have been a victim of Identity theft. There are unauthorized fraudulent accounts by the Department of EducationXXXX XXXX on my credit profile that need to be removed immediately.
Consumer complaint received 2022-09-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: RS Clark and Associates, Inc. (TX)

RS CLARK & ASSOCIATES {$250.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ARE NOT LICENSED TO COLLECT IN MY STATE {$70.00} XXXX XXXX XXXX XXXX HAVE BROKEN ALL HIPPA LAWS WHICH IS A HUGE VIOLATION OF PRIVACY ACT. 
{$84.00}, {$73.00} {$57.00} COLLECTION AGENCY OR ANY OTHER THAT TRIES TO ATTEMPT TO COLLECT THIS UNLAWFUL DEBT. ALL DOCS ATTACHED OF WHAT HAS BEEN SENT TO THESE COLLECTIONS AGENCY 'S. CEASE AND DESIST LETTERS HAVE GONE OUT AND NONE OF THESE AGENCIES ABOVE HAVE AUTHORIZATION TO COLLECT IN MY STATE. PLEASE HAVE THESE REMOVED WITHIN XXXX HOURS THE LATEST. 

15 U.S. Code 1681b - Permissible purposes of consumer reports 18 U.S. Code 242 - Deprivation of rights under color of law. Credit is a right a creditor can not deprive you of that is extortion.

15 U.S. Code 1681c - Requirements relating to information contained in consumer reports I will be demanding the full balance if this is not removed immediately from my credit report.

15 U.S. Code 1615 - Prohibition on use of Rule of 78s in connection with mortgage refinancings and other consumer loans 47 CFR 1.1950 - Reporting discharged debts to the Internal Revenue Service.
Consumer complaint received 2022-09-21
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. (DC)

In accordance with the fair credit reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

account : XXXX XXXX account number : XXXX account XXXX XXXX XXXX XXXX  XXXX : account number : XXXX XXXX XXXX XXXX 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more then seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Professional Finance Company, Inc. (ME)

I am challenging the accuracy and integrity of the account type information contained on this report furnished by Maine  XXXX XXXX XXXX. The account was reported during a global pandemic when there was an executive order not to report derogatory information to the agencies. I am a veteran and the information being reported includes information that is affecting my creditworthiness. The information in the furnisher 's possession about the account is misleading in evaluating my ( the ) consumer 's creditworthiness, credit standing, credit capacity, character, general reputation.
Consumer complaint received 2023-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-07-25
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account that need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX {$0.00}.
Consumer complaint received 2023-08-16
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. (VA)

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 I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-07-25
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. (FL)

I submitted this complaint to update this suspicious information. 3 Credit Bureau must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. 
XXXX  XXXX Balance Owed : {$48000.00} ;
Consumer complaint received 2022-02-22
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: EQUIFAX, INC. (TX)

I was going over my report when I realized I have been a victim of identity theft. The accounts/ inquiries below are fradulent FRADULENT INQUIRIES 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
Consumer complaint received 2022-09-21
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. (WA)

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 2022-09-21
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.
Consumer complaint received 2022-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (NY)

Credit acceptance has placed an inaccurate late payment on my credit profile for my auto loan for the month of XX/XX/XXXX. My payment due dates are the XXXX of every month and my payment was made in full on XX/XX/XXXX. I called and spoke with a rep over the phone and she confirmed that the payment was made on time and was not sure why a late payment was on my account and she instructed me to write the " Credit reporting department '' who handles these issues. On XX/XX/XXXX, I wrote them a letter and they responded weeks later that the account is " accurate '' and they are not going to update my account. I have proof that my auto load for that month was in fact paid on time from my receipt of payment made on XX/XX/XXXX. This inaccurate reporting is affecting my credit profile and score and I need credit acceptance to rectify this info and update it correctly immediately upon receipt of this notice.
Consumer complaint received 2022-02-22
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: Experian Information Solutions Inc. (NJ)

I have been disputing with the bureaus since XX/XX/XXXX, some inquiries that I never approved of, and obviously did not obtain credit for. The bureaus did not delete the inquiries, nor did they respond within the 30-day timeframe that they are supposed to respond in. On XX/XX/XXXX I decided to give the bureaus another chance and sent another letter to each of them, demanding they delete the inquiries that I did not authorize. It is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
Consumer complaint received 2023-08-15
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. (VA)

I have the right to make sure that my private information is not shared which is backed by the 15 USC 6801 which states '' it is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers nonpublic personal information. ( Furnisher of information to credit agencies ) the financial institution and the consumer reporting agencies Experian, XXXX, and XXXX do not have my consent to furnish this information nor did they have my written consent. Any and all consent from XXXX, XXXX, and Experian ( Furnisher of information to credit agencies ) whether it be verbal, nonverbal, written, implied, or otherwise is invoked. 15 USC 6802 ( b ) ( c ) states " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is given an explanation of how the consumer can exercise that non-disclosure option ''. ( Furnisher of information to credit agencies ) never informed me of my right to exercise my nondisclosure option. 15 USC 1681 C ( a ) ( 5 ) states " Except as authorized under subsection ( b ) no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years ''. These accounts are an adverse item they are reporting again without my permission which is against the law.
Consumer complaint received 2022-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.
Consumer complaint received 2024-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is a follow up complaint from XX/XX/year> complaint number XXXX Due to my identity theft/ breach of identity over 18 times within 3 years, I noticed that XXXX XXXX XXXX - XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX were deleted. But I also noticed that XXXX XXXX  XXXX and XXXX XXXX were not. Once again these are accounts that I do not recognize as a result of my identity being breached. I do not recognize these accounts and I would like them removed from my credit report immediately.
Consumer complaint received 2019-11-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (CO)

Square cash ( cash app ) ubruptly closed my account two months ago.I have XXXX dollars in that app that they will not let me cash out. I have emailed them 8 times with absolutely no response whatsoever.
Consumer complaint received 2023-08-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many 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 items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$11000.00} ; ( XXXX : XXXX XXXX ) XXXX Balance : {$150.00} ; XXXX XXXX XXXX XXXX : {$41000.00} ; XXXX XXXX XXXX XXXX Balance : {$980.00} ; XXXX XXXX XXXX XXXX {$790.00} ; XXXX  XXXX XXXX Balance : {$460.00}.
Consumer complaint received 2023-08-16
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GreenPath, Inc. (HI)

I called Greenpath today XX/XX/2023 to tell them to cancel the ACH withdrawal. I had sent them a message last night, XX/XX/2023, to tell them to cancel the ACH. I did not get any response. 
I talked to several people today and then I got this email that says I agreed to the {$510.00} to be taken out every week. 

That doesn't make any sense because they have been taken out that amount for awhile now. 

Why would I call to tell them to do something they were already doing? 

What is the agent 's name that I talked to? 

When they took the money out of my account, it caused my account to go into negative balance. All of my other posted debits bounced back and the bank and those vendors charged me NSF fees. 

I want Greenpath to reimburse me.
Consumer complaint received 2023-07-24
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)

15 USC 1681b ( Permissible Propose ) This is grounds for these accounts to be removed immediately ... It is a violation for credit company 's and credit bureau to report anything they want on your credit without a written consent. I never authorize or provided any written consent to the credit bureau to report or keep reporting this. It's identity theft and it have to be removed immediately... Here are the accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-11-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (MI)

I had my Cash App account hacked, and my personal bank account was set as a funding source for the account. In dealing with this, my account had no funds in it, so my personal bank account had sent money via cash app to an unknown and unauthorized transaction. I was a victim of fraud. 

After this, I had contacted their staff via email and they stated there was nothing they could do about it, but i was more than welcome to contact my bank and get the situation handled with them. I did. 

A month later, they closed my account abruptly with no warning and banned me from the service and consequently closing all new accounts I had attempted to make. This is unacceptable, as I should be allowed to make a new account at the very least. I was a victim of fraud and instead of handling it, they are attempting to sweep this under the rug. 

In short, I was punished for being a victim of fraud, CashApp and Square inc has stolen money from me by charging my bank for the fraud charges and refusing to assist in their recovery, then closing my account and banning me from opening any other accounts for attempting to resolve the fraudulent transactions internally with their staff. I will continue to open complaints and pursue this until my account is either re-opened, or I am permitted to open a new account with full functionality.
Consumer complaint received 2019-11-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (PA)

On XX/XX/19, I, the sender, sent my mother, the recipient {$55.00} via CashApp. 
On XX/XX/19, I, the sender, sent my mother, the recipient {$150.00} via CashApp. 
Yes, I authorized both charges. 

The issue is as follows. My mother was never able to cash out the funds & have them deposit to her account because her CashApp account is linked her her old phone number which is disconnected. Unfortunately, I did not know this prior to sending the funds. My mother reached out to CashApp & did as they suggested, she attempted to link her old account to a her account she has to create. That did not work and now CashApp has told her she can not access her old account at all therefore can not access the money.

I have reached out to CashApp requesting the payments I made be cancelled being they are sitting in account that is now closed and the money can not be accessed.. They have pretended to assist but told me there is nothing they can do about refunding me the money although it was never cashed out.

CashApp does not have a Customer Service number you can call and get a live representative therefore all correspondences have been via email. I am convinced now more than ever that this is a total scam and they have stolen my money, a total of {$200.00}.

CashApp Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2021-12-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (MN)

This agency has put a fraudulent claim on my credit report in XXXX. 
XXXX XXXX on XXXX XXXX in the amount of {$250.00}. 

I informed this company that the debt that they claim is mine is not actually mine. I requested for a debt validation with some form or copy of a contract bearing my signature or ID copy in XXXX of XXXX I have yet to received said document and will never because it does not exist. 

I received a letter stating that this paper serves as a debt validation, however that is not the law. 

It is not my responsibility to prove that a debt is not mine. It is TRANSWORLD SYSTEMS ( XXXX XXXX ) responsibility to validate the debt with a form bearing my signature or ID copy and you Have not done so.
Consumer complaint received 2022-01-02
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. (TX)

I submitted a dispute by mail to EQUIFAX regarding an inaccurate 60 day late payment XXXX XXXX is reporting which is having a negative impact. EQUIFAX continues to send a generic response stating it was verified and validated as accurate but fails to provide the supporting documentation and method of verification requested. The fact that this generic response is being sent confirms no actual research/investigation was actually conducted. I am requesting EQUIFAX completes an ethical and actual research and delete the late payment.