davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-16
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. (FL)

This CFPB complaint has been filed to request pursuant to FCRA 6058 ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX on XXXX XXXX XXXX  under the account number XXXX. 

These account have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries.. The aforementioned accounts collections and hard inquires appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 

The account is the result of identity theft and fraud. I have attached a copy of FTC Identity Complaint # XXXX Please block account listed.
Consumer complaint received 2024-09-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (TX)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-09-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NY)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-08-21
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. (DE)

I submitted a letter to the company reporting a collection on my accounts with XXXX and Equifax. I sent the letter to the company certified the notice was signed but I received no response from the company. I then submitted the results to XXXX and Equifax and they didn't rectify the dispute at all. I submitted the evidence stating the account isn't mine meaning a fraudulent account and nothing. The company reporting on my credit report is sunrise.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX - BALANCE {$220.00} Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX - BALANCE {$350.00} Account Name : XXXX # XXXX OPENED XX/XX/XXXX - BALANCE {$770.00} Account Name : XXXX  XXXX  # XXXX - DATE OPENED XX/XX/XXXX - BALANCE {$1700.00} Account Name : XXXX XXXX  XXXX  # XXXX - DATE OPENED XX/XX/XXXX -BALANCE {$1500.00} Account Name : XXXX XXXX XXXX XXXX  # XXXX - DATE OPENED XX/XX/XXXX - BALANCE {$4000.00} Account Name : XXXX XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX - BALANCE {$15000.00} Account Name : Unknown # XXXX DATE OPENED XX/XX/XXXX - BALANCE {$170.00} Unauthorized Inquiries : XXXX XXXX XX/XX/XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-08-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2021-07-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (CA)

We opened an account with Square. Accepted the payment from a customer {$3600.00}. A customer is a brick-and-mortar business ( XXXX XXXX ) located in California. They paid via ACH through their account with XXXX XXXX. Nothing shade or suspicious, right? That's what we thought. We were wrong. Promptly, Square put the account under " investigation '' refusing to either release the money ( move it to our checking account ) or, at least, refund it back to the customer. It's been weeks and weeks. No way to reach Square - except chat with their bot or send an email. After we complained on social medica about their predatory behavior, Square closed our account ... while still holding the money.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 


XXXX XXXX XXXX, XXXX, NY, XXXX XXXX XXXX XXXX, XXXX, NY, XXXX XXXX XXXX XXXX, XXXX, NY, XXXX XXXX XXXX XXXX, XXXX, NY, XXXX
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

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. 
Account name : 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 has violated my rights. 
XXXX 15 U.S.C. 1681 Section 602 A, states I h the right to privacy.

15 U.S.C. 1681 Section 604 A section 2, 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 and crimes which antedates the report by 7 years.

LIVE 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall nor furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the etc.
Consumer complaint received 2024-10-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AUSSRQ Holdings, LLC (OH)

I requested a letter of validation on XX/XX/XXXX from a woman at Oliphant USA after reviewing my credit report. She just said she would let the company know and hung up. I then called back on XX/XX/XXXX because I received a letter stating to pay the debt or call or write a letter dispute the debt by XX/XX/XXXX. I called and spoke to gentleman and requested a letter of validation, a signed copy of my signature on the contract of the debt, a copy of an agreement of when the debt was sold and all the gentleman said was that I needed to contact the post office because they sent several letters. The first time speaking to this company was XX/XX/XXXX and I never received any communication from them before that date. After I requested the documents again from this gentleman, he stated that I wasnt letting him talk and he hung up the phone. This is a tactic to prevent the company from sending the necessary documents to prevent me from disputing the debt and getting the information of the original creditor within the allotted time. It is my right to get this information to verify if this is truly my debt.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and XXXX XXXX that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2021-06-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (TX)

I did a instant transfer through Cashapp to my XXXX XXXX XXXX personal account of {$85.00} on XX/XX/XXXX. The money did not transfer, I was then told through their chat service that it would be 1-3 business days even though state instant and was charged a fee of {$1.00} to transfer to my personal account. They refunded the transfer fee and then state again it could be 1-3 days for my money to deposit. They stated I needed to contact my bank because my card my be turned off and or maybe incoming. I spoke with XXXX and they stated they saw nothing incoming for Cashapp at all. As of XX/XX/XXXX, my money still has not been deposited into my account. I reached out to Cashapp XX/XX/XXXX and they stated that they escalated it to a speciality team and to look out for an email, not a call but an email. I was also told that this could be another 48-72 hours. I asked what exactly what happened? No answer, nothing has been explained nor tried to be explained.
Consumer complaint received 2021-06-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (FL)

Someone is using my address to send cards from CashApp and the company refuses to protect my address for that use. 

Cards are being sent and I only see them through the e-mail message I receive every morning from the Postal Service ( images attached ). Then, these letter are never there when I get my mail later in the day - which means someone is, in fact, reaching out to my mailbox to recover those cards. 

I am not home during the day to talk to the Mail person or try to intercept that person who is taking the cards or even getting the card earlier so they do not succeed in using my address to whatever they are trying to do. 

4 different people answered my e-mail messages complaining about the issue : XXXX, XXXX, XXXX and XXXX. Apparently my case number is XXXX. This last message shows exactly how uncommitted CashApp is to combat fraud. 

________________________________________________________________ From XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX, This is XXXX with Cash App Support Team. Thanks for getting in touch with us I hope you and your loved ones are safe and healthy. At the moment XXXX is out of the office. Ill be taking over from here and I completely understand that you want to stop getting card in your address, otherwise you will open a ticket, and just know that I'm here to assist you along the way. 

Were always looking to improve our products based on our customers feedback and enjoy hearing from you about how we can make Cash App as useful as it can be. At this time we do not offer the option to block an address from getting cards. 

Ill pass your request to the rest of the team. Thank you for sharing your insight with us! 

If you have any other questions or concerns, feel free to let me know. I'll be more than happy to assist you. Have an amazing day! 

Best regards XXXX XXXX Cash App Support Team ref : XXXX : ref
Consumer complaint received 2021-06-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Block, Inc. (IL)

THIS NOT A DUPLICATE XX/XX/21 I just received in the mail today another Visa Debit Card ( XXXX XXXX  ) with a different account number from Cash App - XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX. I have not applied for any credit PLEASE NOTE : ON XX/XX/21 I HAVE JUST FILED A COMPLAINT # XXXX WITH CFPB FOR THE SAME COMPANY SAME CIRCUMSTANCE BUT DIFFERENT ACCOUNT.
Consumer complaint received 2021-06-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Block, Inc. (IL)

XX/XX/21 received in the mail a XXXX XXXX XXXX ( XXXX XXXX  ) from Cash App - PO Box XXXX XXXX XXXX XXXX, MO XXXX. I have not applied for any credit. I have signed up for XXXX 's Protection Program & with their assistance we have tried to reach out to both Cash App & XXXX XXXX  with no success. Thru further research found their has been several fraud complaints filed with XXXX.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-08-21
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 am writing to request the removal of a charge-off account from my credit report. Below are the details of the account in question : { XXXX } Account Number : XXXX Creditor Name : XXXX XXXX XXXX Date of Charge-Off : XX/XX/XXXX { XXXX } Account Number : XXXX Creditor Name : XXXX Status : Paid XXXX Full ( never late ) { XXXX } Account Number : XXXX Creditor Name : XXXX Status : Balance is wrong, the correct balance is {$790.00} { XXXX } Account Number : XXXX Creditor Name : XXXX Date of Charge-Off : XX/XX/XXXX { XXXX } Address listed on file is wrong and needs to be removed from my credit file, never reside at XXXX XXXX XXXX XXXX XXXX, VA XXXX { XXXX } Account XXXX : XXXX Creditor Name : XXXX XXXX Status : Collections I believe this account should not be on my credit report due to the account is inaccurate. 
Please review the attached documentation and update my credit report accordingly. I would appreciate it if you could confirm the removal of this account and send me a revised copy of my credit report once the update has been made. 

ACCORDING TO 15 U.S. Code 1692c YOU HAVE VIOLATED MY RIGHTS BY INLAWFUL COMMUNICATIONS, PLEASE REMOVE THIS OFF MY CREDIT REPORT. 
THANK YOU
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-08-21
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. (GA)

TO WHOM IT MAY CONCERN, I AM A VICTIM OF IDENTITY THEFT.

THE ACCOUNTS LISTED BELOW ARE NOT ANY COMPANIES THAT I HAVE APPLIED FOR CREDIT FROM. THEY ARE ALL ACCOUNTS OPENED WITHOUT MY KNOWLEDGE OR PERMISSION. THEY ARE FRADULENT AND NEED TO BE REMOVED IMMEDIATELY. I HAVE FILED THE PROPER DOCUMENTS WITH MY LOCAL LAW ENFORCEMENT AGENCY AS WELL AS WITH THE FTC. I AM PROVIDING YOU COPIES OF THESE ITEMS TO SUPPORT MY CASE.
Consumer complaint received 2022-10-27
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. (FL)

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 2024-08-21
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. (FL)

I am writing to formally express my concern and dissatisfaction with the recent investigation conducted by your bureau regarding a disputed late payment on my account with XXXXXXXX XXXX, account number ending in XXXX. 
On XX/XX/2024, I submitted a request for investigation, clearly stating that I have never been late on any payments for this account. I provided you with the necessary details, including my expectation that your agency would conduct a thorough investigation and provide either proof of the alleged late payment or update the record to reflect that all payments were made on time. 
To my dismay, I was informed that your investigation concluded the late payment was " verified '' without any proof or supporting documentation provided to me. This response is both unsatisfactory and concerning, as it suggests a lack of due diligence in your investigation process. 
Under the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure that all information reported is accurate and to conduct a reasonable investigation when a consumer disputes the information. The failure to provide proof of the late payment or to correct the error is a clear violation of these responsibilities. 
I demand that this matter be re-investigated with proper attention to detail, including : 1. Providing documented proof of the alleged late payment, such as account statements or communication from the creditor.

2. Correcting the inaccurate information on my credit report if proof can not be provided, reflecting that all payments were made on time.

3. Providing a detailed explanation of the investigation process that was followed and the specific steps taken to verify the information. 
Please consider this letter a formal complaint. I expect a response within 15 days, as stipulated under the FCRA. If the matter is not resolved to my satisfaction, I will have no choice but to escalate this issue to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action. 
Thank you for your prompt attention to this matter. I look forward to your swift and accurate resolution of this issue. 
Sincerely, XXXX XXXX XXXX