davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OK)

XXXX XXXX XXXX office has 3 illegal child support files on my Experian credit report. All 3 are fraudulent and change amounts due to make it appear I owe over $ XXXX. This account was closed in XXXX. XXXX illegally tried to collect from the XXXX  DMV, AG and XXXX XXXX offices. All 3 declined after seeing proof on XXXX  illegally calculating the child support amount in XXXX ; retroactively charging in during a custody battle ( where I had primary physical and joint legal custody ) ; illegally changing the domicile to XXXX ; illegally not allowing a review or modification from XXXX : and also illegally re-opening my expired XXXXXXXX XXXX  drivers license for the express purpose of suspending it again, plus making 9 filings in 12 years for National Holds. Simply put, these XXXX  criminals continue to harass me and illegally violate my rights to XXXX. Even making up addresses that they put on my credit file : so other people get my mail. Every instance somewhere I never lived.
Consumer complaint received 2021-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (MA)

I explained about hardship and loss of income. They not willing to help or reduce rates. They said even if Ill make any payment they will report to credit Bureau.
Consumer complaint received 2021-08-20
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. (VT)

There weren't any choices in the CFPB complaint process for what I want to find out more about. I check my credit scores and it seems that Experian always reports a much lower score than the other credit bureaus. I want to know if this is intentional so people will sign up for the extended credit tracking service, Experian XXXX. I won't do that but supposedly if someone uses this Boost service they can have their credit score raised several points. It would be good to check into this. 

Thanks for your consideration.
Consumer complaint received 2021-08-20
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. (TX)

I like to file a dispute for unidentified fraudulent items on my credit report for the following : XXXX XXXX XXXX XXXX XXXX. The ID Theft report number XXXX and attached is a copy of the ID Theft Report with this complaint. Please review.
Consumer complaint received 2021-08-20
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CHECK INTO CASH INC. (MS)

I recieved a phone call about the debt. I had already worked out a payment arrangement with XXXX. When I had talked to the man XXXX he had informed me that legal action would be taken immeditely if i did not pay the debt. He was willing to work out a payment agreement. I did that. Agreeed that I would pay XXXX  weekly to mine and XXXX  weekly to my husbands. I have since been in contact with CIC again and they denied that was them. I did however pay XXXX $ to mine and XXXX $ to my husband. It would not be that big of a deal had i of not already paid the XXXX $ each.
Consumer complaint received 2021-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (VA)

This letter is regarding account # XXXX, which you claim my account was late 4 times. My CREDIT CARD account was NEVER LATE and the status should be CURRENT. It is reporting incorrectly on 2 Credit Bureaus ( XXXX and XXXX ) and reporting correctly on XXXX This account should not have ANY late payments AT ALL. I am in the United States XXXX and this account is affecting my ability to secure a Mortgage and could potentially mess with my XXXX XXXX. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was current. Please also be aware that any negative mark found on my credit reports ( including XXXX XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. -- Very Respectfully, XXXX XXXX
Consumer complaint received 2020-04-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (MO)

XX/XX/2020 my bank fraud department called to see if I authorized a withdraw for {$200.00} from Cash App, I told them no. I immediately logged into my banking institution and noticed that there was a withdraw of {$230.00} on the same date prior to the fraud department calling. Cash app also tried to withdraw XXXX smaller amounts but my bank stopped them. I went to my financial institution on XXXX XXXX to file and dispute the {$230.00} that was stolen from my account and get a new bank card. They told me it would take 7 to 10 days to get it resolved through the fraud/dispute procedure. 
Today, XX/XX/2020 I received a credit card in the mail from CASH APP!!!! I NEVER, repeat NEVER opened or authorized a new account with this company. I have never heard of them until today and as of today I am still out of the {$230.00} that was stolen from this company. So far my bank hasn't disputed the charge. 
I am so mad because I don't know who opened this account in my name. 

Thank you
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION (TX)

After applying for an apartment I got an adverse decision response. After reviewing the information I found the report to provide false information, which I suspected was the result of identity theft. The Information has yet to be removed and I continue to get the run around as to the results of my dispute.
Consumer complaint received 2021-08-20
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. (PA)

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX-Date of inquiry XX/XX/XXXX
Consumer complaint received 2021-08-21
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: Experian Information Solutions Inc. (AL)

On XX/XX/2021, I sent all three credit reporting agencies a letter about the inaccuracies on my credit profile. It is now XX/XX/2021, and I have not received any results. It has been a total of 4 months with no results. I believe there was a misuse of my credit profile. I sent them all the information they needed, ID, Social Security card, and proof of address. The incorrect information on my credit profile is holding me back from moving forward in life. I can't get a house or credit card due to this. I have done all I can do. please help me
Consumer complaint received 2021-08-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Rausch Sturm LLP (NE)

This debt is considered to be statute of limitation last payment made in XXXX limitation for this is 5 years for state of nebraska they switch companies and report it to credit bureau as new debt.
Consumer complaint received 2024-10-17
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. (VA)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the EXPERIAN AND XXXX Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX XXXX Balance Owed : {$4100.00} XXXX XXXX XXXX XXXX Balance Owed : {$7300.00} XXXX XXXX XXXX  XXXX Balance Owed : {$0.00}
Consumer complaint received 2020-04-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (MD)

I recently had a to file a complaint with cash app because I sent money to someone but didnt receive what I supposed to. At first the person didnt respond or want to refund my money. I let Cashapp know so that something could be done and so that this wont happen to anyone else. They said they couldn't do anything about the account and I couldnt get my money back unless it was sent to me by the party. The person finally sends me a refund but they intervened for security reason. Then I was told to find a way to receive my payment outside of Cashapp which at this point there is no other way. I expressed that I have been made to jump through hoops. I've called my bank to dispute the charge but they let me know it was a slim chance they could do anything due to regulations. I emailed back and forth with Cash Apps customer service team sending every bit of information I have only to be left with no resolution. I let them know I was dissatisfied with how this situation was handled and I received an email stating my account had been closed. Now I am out of my payment of {$260.00} and no way to get it back.
Consumer complaint received 2021-08-21
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. (MD)

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, MD XXXX Equifax XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX XX/XX/XXXX RE : Social Security Number : Last 4 of SSN XXXX To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. XXXX XXXX 2. XXXX XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. 

My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX
Consumer complaint received 2024-08-23
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: EQUIFAX, INC. (FL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX : {$290.00} XXXX  XXXX XXXX Balance : {$220.00} XXXX  XXXX XXXX Balance : {$120.00} XXXX XXXX XXXXXXXX Balance : XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$250.00}
Consumer complaint received 2023-07-06
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NC)

Recently I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found nuverifiable, invalidated, inaccurate and questionable items that your agency didnt make sure it was reporting 100 % correct. In accordance with the fair credit Reporting Act everything has to be 100 % accurate on my credit report and under 15 u.s. code 1681e ( b ) and 15 u.s. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2021-08-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (AL)

I received information from you attempting to collect the above-listed alleged debts. Your initial communication to me of the alleged-debts was within 30 days ago. Please be further advised, I dispute the validity of the alleged debts in its entirety. Further I request verification of the alleged debts, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect alleged debts and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. I have disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
Consumer complaint received 2020-04-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (AR)

Around XX/XX/2020, I made an online purchase in the amount of {$98.00} using Cash app by Squareup. The payment processed and I was sent an acknowledgment that the transaction was complete. Due to a staffing shortage with the distributor ( COVID-19 taking off ), I knew that the product would be arriving late. I put it out of my mind. Around the time that the product was scheduled to arrive, I received a notification that a transaction in the amount of XXXX from the same distributor had been declined for insufficient funds. I attempted to resolve the issue with XXXX ( vendor in question ) but they have been running a skeleton crew for obvious reasons. I did finally get word that I should contact my financial institution to determine why the payment had not been forwarded. Cash app, however, has terminated my account and will not tell me why. They are also unwilling to discuss the missing XXXX that was deducted from my account but did not reach its destination. The icing on the cake is that since my account was terminated I lost access to my app and all of the transaction notifications as well. I have included copies of what little documentation I could find in support of this complaint.
Consumer complaint received 2021-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-08-20
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: CBC Companies, Inc. (CO)

After 10 months of dealing with a company called XXXX and being strung along for a potential refinance I received sporadic and unauthorized hard inquiries from factual data. XXXX also advised me to wait until the last day to pay my mortgage which is horrific advice and lied to me about the hard inquiries from factual data. I have no mortgage through the fraudulent company XXXX, nor should the inquiries that were never authorized be on my account at all.
Consumer complaint received 2024-10-11
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PlusFour, Inc (NV)

I was in the XXXX XXXX and a XXXX XXXX was done. XXXX XXXX did not bill my insurance correctly. I called and even though this was their mistake, they reported this XXXX $ bill to a reporting company called PlusFour. I proceeded to contact Plusfour and was told even though this was not only an obvious mistake, it also falls under the federal no surprises act. Plus four informed me it would cost me {$300.00} for them to dispute this on my behalf. They are very fraudulent. They know this is a bogus charge but won't take it off my credit report unless I pay them to do so.
Consumer complaint received 2021-08-20
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: OneMain Finance Corporation (CO)

On XX/XX/2020, OneMain Financial ran my credit a total of 3 times consecutively. I did not authorized these inquiries and I want them all removed. I have disputed them with XXXX  and they refused to remove them. I want proof of authorization for these inquiries and if this can not be produced I want them all removed.
Consumer complaint received 2021-08-20
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. (IL)

THIS IS INDEED ME. I AM WHO I SAY I AM. I AM THE PERSON WHO WROTE MY LETTER I SENT TO YOU! I AM A CONSUMER AND I KNOW MY RIGHTS!!!! I SENT YOU MY ID AND PROOF OF ADDRESS AS WELL AS A COPY OF MY SOCIAL SECURITY CARD WITH THE CERTIFIED LETTER I SENT TO YOU THAT YOU RECEIVED. YET, YOU ARE CLAIMING THIS IS NOT ME!?! 

I AM RESUBMITTING MY XX/XX/21 COMPLAINT FOR UNAUTHORIZED US OF MY CONSUMER REPORT! 
YOU ARE COMMITTING VIOLATIONS AGAINST ME!!
Consumer complaint received 2021-08-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CT)

XXXX Credit Bureau has failed to provide the services : 1. appropriate investigation services within 30 days 2. dispute filing through my paid membership, online, over the phone and Mail which has never been received from XXXX  3 . XXXX  has provided multiple false/scam/fraudulent contact call centers, credit reporting Representatives, telephone numbers that has resulted in continued identity theft attempts 4. This is-not the same complaint.

5. The last time I contacted XXXX  : my email : XXXX ; XXXX was hacked 6. Documented evidence will support when agencies are investigating XXXX  the dispute center is unblocked ; then 5 days later XXXX  reports month after month XXXX  is continuously working on the dispute center. 
7. To date Documented evidence supports my credit rating continues to demonstrate horrendous declines although my credit reporting status does-not represent or align with these horrendous declines dated XX/XX/2021. In addition, the blocked dispute center will substantiate XXXX  has not provided no online services it contracts to provide : Entrusting in God, equal rights, protection under the law and justice I request a thorough investigation be immediately be conducted into XXXX  Actions : See the two updated attachments :