davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AZ)

The overwhelming stress and sleep disturbances resulting from this issue are exacerbated by the fact that I have diligently adhered to payment deadlines for this account. It's frustrating to encounter problems for actions I haven't undertaken. I earnestly implore you to swiftly resolve this issue, ensuring that my account accurately reflects the correct information and relieving the unnecessary strain it has caused me.
Consumer complaint received 2023-07-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc. (CA)

On XXXX XXXX, XXXX at XXXX XXXX, i sent {$390.00} to the wrong cashtag. I requested for the person to send it back, but the person declined. It was a total accident. Cashapp is not refunding this lost. Also, on XX/XX/XXXX at XXXX XXXX i was scammed out of {$40.00} for a service. My money was taken and i was soon blocked. 
The cashtag that took my {$390.00} is XXXX XXXXXXXX and the scammer that took {$40.00} from me is XXXX XXXX Cashapp knows about the scamming on their platform, but do not care. There seems to be no account protections, refund preferences, or solutions in situations in loss funds. I am here because cashapp allowed my money to be taken from me on their platform and they are not recovering the loss, but rather " invoke '' guidelines in between to not recover my funds. This is a safety issue and i feel robbed! Please help me.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XX/XX/XXXXXXXX XXXX {$550.00} XX/XX/XXXX XXXX XXXX XXXX {$14000.00} XX/XX/XXXXXX/XX/XXXX {$1000.00} XX/XX/XXXX XX/XX/XXXX {$2700.00} XX/XX/XXXXXX/XX/XXXX {$460.00} XX/XX/XXXX XXXX XXXX XXXX {$6700.00} XX/XX/XXXXXX/XX/XXXXXXXX {$2500.00} XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-10
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. (MD)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-09-10
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. (TX)

I need your help with this inaccurate account listed on my credit report, which has hurt my reputation. The mismanagement of my credit report has severely harmed my standing, and I urge you to correct this and remove the inaccurate information.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

LATE PAYMENT XX/XX/year> XXXX LATE PAYMENT COMPANY ( XXXX XXXX ) 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 In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S. Code 1681a - Definitions ; rules of construction ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Consumer complaint received 2023-07-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

On XX/XX/2023 I went to access my bank statements using the online banking. Received a message the site is unable to access my account at this time. Called customer service, spent an hour on the phone troubleshooting, they finally said it was due to an issue on their end from an upgrade to the system and I should have access the next day or so. Well it is now XX/XX/2023 and I still do not have access to the online banking.
Consumer complaint received 2023-04-19
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)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require Experian and XXXX to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2022-02-25
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I FILED A DISPUTE TO REGARDS THE ITEMS AND I HAVEN'T RECEVIED ANY INVESTIGATIONS RESULTS IT BEEN WELL OVER XXXX TO XXXX DAYS. INTO THE INVESTIGATIONS. NO RESULTS ACCOUNTS XXXX ]
Consumer complaint received 2022-02-24
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Duvera Billing Services, LLC (NJ)

I looked into trying to work out a lower interest which is higher then 600 %. They took out double in one paycheck XXXX on XX/XX/22. I try to call but it tells me there are 75 people ahead of me. If I just pay the minimum I will end up paying almost if not double what I was originally given.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I previously submitted a complaint against this company with the XXXX XXXX XXXX and was assured that the necessary corrections would be made to my credit report by the company in response to the complaint. However, the company has gaslit me and ignored further requests after the request to annotate the matter as resolved was completed. This is extremely deceiving and has been time consuming on my end because I'm still fighting for this company to correct these issues and correct the incorrect information that was reported to my credit report that was caused at no blame to myself but the companies XXXX for customer service, making a payment and their third-party business partners. I have attached previous correspondence stating that correction to my credit report would be made and this matter considered resolved and it is still not. I just would like them to correct this issue and some kind of oversight to ensure that the promises made are upheld not just for me to close my complaint and consider it resolved. Please help me. I am a XXXX XXXX XXXX XXXXXXXX, and it is just so disheartening and really exacerbating my symptoms as I continue to be taken advantage of and lied to. I am a XXXX  mother doing all I can and businesses like XXXX  should be fined for the treatment of all the consumers listed on their complaint page, especially those who have XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, so they are able to conduct business safely. Taking advantage is not okay and I should not have to submit another complaint because the other one was not completed. I just need someone, anyone, to help me with this company. Please. 


The loans in question are from XX/XX/scrub>XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2023-02-11
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. (MA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-04-18
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. (IL)

This is to XXXX, experian and XXXX, these agencies are showing previously deleted Late payments from XX/XX/2022. These inaccurate payments have now reappeared on my current credit reports. This A direct violation of the law below ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. 

Also, reporting from the same account inaccurately credit utilization, payment status and worst delinquency categories across all 3 agencies from my " XXXX XXXX '' account. 

*XXXX  is reporting A balance of {$460.00} and utilization of 50 %. 
*XXXX  is reporting A balance of {$350.00} and utilization of 45 %. 
*Experian is reporting A Balance of {$450.00} and utilization of 57 %. 
This type of reporting directly violates the law below, 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2024-09-10
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. (AR)

I am a victim of Identity theft. I submitted TransUnion my dispute letter along with my credit report with all of the Fraudulent accounts circled, a copy of my FTC Identity Theft report and proof of identity, along with a copy of section 605B of the fair credit reporting act. TransUnion did not block any information on my credit report with the four business days require by the law, Transunion failed to do an investigation of this matter in the allotted time frame. I called TransUnion numerous of time trying to get someone to follow and abide by the law, to investigate and or try to fix this issue. TransUnion negligence has cause tremendous emotional distress for me and my family.
Consumer complaint received 2024-07-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (CA)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my XXXX score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Consumer complaint received 2022-02-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Foris DAX, Inc. (LA)

I deposited XXXX XXXX   into crypto.com via XXXX XXXX. A week or 2 later, after the money had already cleared my bank, which I have statements of, they put a negative XXXXXXXX XXXX on my account balance and said I have to pay it for my account to go back to zero balance. 
The same thing happened on 3 transactions total all around the same time a week or so after deposited. they fixed the XXXX XXXX  and XXXX XXXX Deposit issue, but left the XXXX XXXX Issue. I sent them bank statements and proof of deposit, but everyday they just say they are working on it and can not give me and answers
Consumer complaint received 2022-02-25
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)

This is XXXX XXXX. who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2022-02-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (MI)

The CITI CARDS CBNA with account number XXXX appears to be a charge-off account with a specific balance of {$430.00}. The information itself is already an error because a charge-off account should have NO balance. Another thing is that the account was reported twice in XXXX, XXXX and XXXX Bureaus. As per FCRA, the 3 bureaus and the furnisher are to provide 100 % accuracy and they are required to give responses and supply documents to confirm the account.
Consumer complaint received 2022-02-24
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SUNRISE CREDIT SERVICES, INC (NY)

Sunrise Credit Services calls me daily despite telling them several times to stop. They do not specify who they are when they call, and when I ask, they only tell me their names. It is only when I prod them for more information that they reveal the call is regarding a personal business matter. 

I only know the company name because I have unknowingly returned missed calls to them. Otherwise, I refuse to engage.
Consumer complaint received 2022-02-24
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: Experian Information Solutions Inc. (MI)

I sent letters to the Experian Credit Bureau. The date of the last letter was on XX/XX/XXXX And now we are in the month of XX/XX/XXXX and still nothing has been heard from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Consumer complaint received 2022-02-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

i dont know why this is still reporting on my report when I have already toldf Transunion about them violating my rights by keep posting this account like its mine. 
Account Name XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Account was opened : XX/XX/2017 Account Balance : {$660.00}
Consumer complaint received 2022-02-24
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: Chaparral Inc (OH)

Company has pulled my credit report multiple times without permissible consent. 
Company Name and address- XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX OH XXXX Unauthorized Inquiries below. 

XXXX Inquiry : Date XX/XX/XXXX XXXX Inquiry : Date XX/XX/XXXX XXXX Inquiry : Date XX/XX/XXXX XXXX Inquiry : Date XX/XX/XXXX The date on the credit application XXXX XXXX from XXXX XXXX  says I gave consent to pull my credit report is from XX/XX/XXXX. That is almost 7 years ago, inquiry 's fall off credit reports in 2 years according to the CFPB. 

Also, the credit application sent from XXXX XXXX date at the top doesn't match the date where the signature XXXX XXXX says I've signed. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AZ)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-02-24
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. (NJ)

I hear about scammers draining accounts of innocent people, and to increase my security I went to TransUnion website, created my account and FROZE my Social Security Number. In addition, I looked at the various accounts listed against my name, and recognized all of them as legitimate except this one : XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MO XXXX They claim ( at TransUnion website ) that I have an account XXXX with them. 
They also claim that I borrowed {$2400.00} from them in the past ( date not shown ) and that I was repaying this load at $ XXXX. This account is listed as " XXXX XXXX XXXX XXXX. '' NONE of the about information IS TRUE!! 
I never had this account, and I never paid any money to them. 
I am not sure why they would create this FAKE account? 
If I had not logged into TransUnion, and I wouldn't even know of this SCAM!! 
Please investigate this case, and let me know the results.
Consumer complaint received 2024-07-25
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. (TX)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-07-25
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. (DE)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-02-24
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. (TX)

I am writing due to non-compliance with XXXX, Experian XXXX XXXX. They have failed to remove information that was affiliated with personal details that were challenged most recently. They are in violation of the FCRA and are outright refusing to uphold the law. It has been more than 45 days without a response and I am requesting that the fraudulent items be removed from my reports. According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed.