davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (GA)

Hello I've been having problems with unauthorized charges and transfers to ppl I don't know I desputed theses transactions which were made in a different state than the one in which I reside cash app refunded most of the card transactions but for some reason made no mention of the {$1200.00}. Transfer that was included in the listing of unauthorized charges. When I complained about it they told me that the transaction was authorized! When It was made during the same time as the others The case number is XXXX they say it was made by me or someone authorized to use my account. But I don't have any other authorized users on My account! Please help
Consumer complaint received 2022-06-24
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. (NY)

n accordance with the Fair Credit Reporting act XXXX Account # 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 XXXX XXXX XXXXXXXX XXXX 
Account Number XXXX XXXX XXXX XXXX. 
Account Number XXXX
Consumer complaint received 2022-12-05
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. (CA)

in accordance with the fair credit reporting act 15 usc 1681 section 602 states i have the right to privacy. 15 usc 1681 section 604 ( a ) section 2 it also states a consumer reporting can not furnish a account without my written instructions. 15 usc 1666 ( B ) a creditor may not treat a payment on a credit card account under a open end consumer creidt plan as late for a purpose
Consumer complaint received 2022-12-05
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Rubin & Rothman, LLC (NY)

XXXX XXXX XXXX XXXX ( aka : XXXX XXXX XXXX ) filed a lawsuit on XX/XX/XXXX against me after the Statute of Limitations has expired for an unproven judgment entered on XX/XX/XXXX through the law firm Rubin & Rothman , LLC. The amount listed of on XX/XX/XXXX judgment was for {$4800.00} of which {$6000.00} was due plus interest from XX/XX/XXXX. On XX/XX/XXXX Rubin & Rothman , LLC froze my retirement account for {$12000.00}. I filed for a show cause with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX and was grant a hearing on XX/XX/XXXX, which I attended without a lawyer because I could not afford one. Yet I was looking forward to the opportunity for my voice to be heard. But the Honorable Judge XXXX XXXX XXXX only had me to fill out a return envelope for his judgment. As a XXXX XXXX XXXX senior citizen, I strongly believe that my civil rights, and well as the written law that states that in the State of the New York that the Statute of Limitation of debt is three years, have been violated.
Consumer complaint received 2022-12-05
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)

XXXX account XXXX XXXX XX/XX/XXXX XXXX XXXX account number XXXX XX/XX/XXXX, XXXXThere is an account with XXXX XXXX XXXX  with account number XXXX on my creditreport that was opened on or around XXXX XXXX XXXX 
I reached out and informed them aboutthese accounts that are not my accounts and to remove them from my record but they have not removedit. I did not open these accounts and I have no knowledge of them.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

Dear Sir or Madam : I am a victim of identity theft. I am writing to request that the credit bureaus delete and block the following fraudulent information from my credit report Account name XXXX  XXXX reference # XXXX XX/XX/XXXX XXXX  XXXX reference # XXXX. XX/XX/XXXX I wrote multiple laters and sent proof of XXXX police reports and they have yet to resolve my issue
Consumer complaint received 2022-12-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Winklevoss Exchange LLC (NJ)

I havXXXX XXXX XXXX XXXX XXXX  stuck in the Gemini Earn problem. The Service Level Agreement states I should be able to withdraw my funds within 5 business days. I tried to withdraw on XX/XX/XXXX, this is way overdue. I'm getting no help from Gemini
Consumer complaint received 2022-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
XXXX  Account # XXXX, XXXX, XXXX, XXXX has violated my rights to privacy. 

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 : 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 items of information, other than the 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-06-24
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: Experian Information Solutions Inc. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-06-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

While checking my most recent Transunion credit report. I noticed some credit inquires that I did not authorize to pull my credit report. The inquiries made by the following companies : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX DEPT OF ED XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiries 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
Consumer complaint received 2022-06-24
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: Experian Information Solutions Inc. (MD)

I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX u.s.c 1681 SECTION 602 a. States I have the right to privacy.

15 U.S.C 1681 Section A Section 2 : It also states a consumer reporting agency can not an account without my written instructions. 
Delete this account immediately, unless you want to be held {$1000.00} per violation. 
XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX u.s.c XXXX SECTION 602 a. States I have the right to privacy.

15 U.S.C 1681 Section A Section 2 : It also states a consumer reporting agency can not an account without my written instructions. 
Delete this account immediately, unless you want to be held {$1000.00} per violation XXXX. Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX 15 u.s.c 1681 SECTION 602 a. States I have the right to privacy.

15 U.S.C 1681 Section A Section 2 : It also states a consumer reporting agency can not an account without my written instructions. 
Delete this account immediately, unless you want to be held {$1000.00} per violation. 
XXXX. Account Name : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX 15 u.s.c 1681 SECTION 602 a. States I have the right to privacy.

15 U.S.C 1681 Section A Section 2 : It also states a consumer reporting agency can not an account without my written instructions. Delete this account immediately, unless you want to be held {$1000.00} per violation. 
XXXX. Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX u.s.c 1681 SECTION 602 a. States I have the right to privacy.

15 U.S.C 1681 Section A Section 2 : It also states a consumer reporting agency can not an account without my written instructions.

Delete this account immediately, unless you want to be held {$1000.00} per violation. 


Sincerely XXXX XXXX
Consumer complaint received 2022-06-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (OH)

After selling our company their credit card reader for {$330.00}, Square has decided it no longer wishes to provide customers support services to XXXX XXXX XXXX and our employees and staff. Square can refund the cost of the reader and close our account. No problem. We will find another company who wishes to provide support for their customers.
Consumer complaint received 2022-06-24
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. (IL)

I filed a complaint here with the CFPB on XX/XX/2022 against XXXX, Experian and XXXX. I received a completed investigation update here on the CFPB site from XXXX on XX/XX/2022 which is within the 30 day. As of today XX/XX/2022 which is the XXXX day since my complaint. 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.
Consumer complaint received 2022-06-24
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions.
Consumer complaint received 2022-06-24
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: CAPITAL ONE FINANCIAL CORPORATION (WV)

This is the second capital one credit card to appear under my credit history. I have a freeze on my account too but it keeps appearing. Its not mine and when I go to calm capital one to close it, they cant find an account associated with my social security number. Ive never used capital one. But somehow I keep getting cards opened under my name on my credit report. Also how does a credit card keep being issued under me when I have a credit freeze?
Consumer complaint received 2022-06-24
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: BMW Financial Services NA, LLC (CA)

I have leased three XXXX XXXX for the last decade and I have never made a late payment in regards to this matter ( XXXX  can validate this information without issue ). For several years now XXXX XXXX XXXX website does not work or allow clients to login in, make payments, use their two step authentication in order to validate when they login or finally even change my password. I am filing this complaint for all XXXX XXXX owners in the world experiencing these same issues using there payment portal. I dont think its fair in this modern age that people need to expose there checking account numbers by mailing in checks to the po box . I think the CFPB needs to investigate this issue as a class action lawsuit is deserving in this situation due to the number of people being effected by there payment portals.
Consumer complaint received 2022-06-24
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. (MD)

XXXX XXXX XXXX XXXX XXXX reported my account delinquent after I closed the account. I closed the account on the XXXX of XXXX and they reported me late. I made payments XXXX and XXXX. Would not provide me with a payment history. They placed the a account and delinquent because I no longer wanted the credit card. This a fraudulent act.
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NJ)

XXXX notified Equifax of a bankruptcy reported on XX/XX/XXXX. My bankruptcy is XX/XX/XXXX. The company and Equifax added an additional bankruptcy on my credit report in XXXX of XXXX. This information is inaccurate and should be removed Asap.
Consumer complaint received 2022-06-24
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -XXXX XXXX XXXX XXXX XXXXA XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX MI XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX -XXXX XXXXXXXX -XXXX XXXX XXXX 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 an account without my written instructions.
Consumer complaint received 2022-06-24
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: CORELOGIC INC (FL)

XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX  ( Miscellaneous ) XX/XX/XXXX XXXX XXXX  ( Miscellaneous ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX  ( Miscellaneous ) XX/XX/XXXX XXXX  ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX I never authorized any of these credit pulls.
Consumer complaint received 2022-06-24
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: Bread Financial Holdings, Inc. (MD)

XXXX XXXX  c/o Comenity bank reported my account delinquent after I closed the account. I closed the account on the XXXX of XXXX and they reported me late. I made payments XXXX and XXXX. Would not provide me with a payment history. They placed the a account and delinquent because I no longer wanted the credit card. This a fraudulent act.
Consumer complaint received 2022-12-05
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: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document of my identity theft. I am also a victim of the XXXX XXXX and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXXXXXX XXXX as well.
Consumer complaint received 2022-06-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions (CA)

I moved from XXXXXXXX XXXX XXXXn XX/XX/XXXX to XXXX XXXX XXXX  with my new job opportunity. 

Recently I saw a charge collection to my XXXX XXXX in the amount of {$5700.00} from XXXX apartment complex stating I did not pay my rent from XX/XX/XXXX to XX/XX/XXXX. 

I have not lived in XXXX since XXXX of XXXX and never signed a lease with XXXX apartment complex. 

Please help to investigate this fraud and see who was using my Social Security and my name to commit this fraud. 

I am unable to buy or rent an apartment any more because of this situation. 

Thank you.
Consumer complaint received 2022-06-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX, I deposited a govt issued covid 19 rent relief check from XXXX in the amount of {$21000.00} through a bank teller in person at Bank of America in XXXX XXXX XXXX I was issued a deposit receipt stating the first {$5300.00} would be available XX/XX/XXXX and the bal on XX/XX/XXXX. The following day I received an email advising a 10 day hold due to check specific information indicates item may be returned. At the time of deposit, I had a positive bal and absolutely no history of bouncing checks or negative bal. Ive consistently maintained a positive bal for 5 years and have a credit card never late and a 3.2 % auto loan with the bank. Also never late. Bank of America is in violation of the XXXX XXXX act and Regulation CC. When I asked the bank the reason for the hold, I was lied to several times. I was told I have a consistent history of bouncing checks and that regulation cc allows for extended holds on govt checks. The bank is still holding my money.
Consumer complaint received 2022-06-24
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: Experian Information Solutions Inc. (GA)

The financial institutions listed below continue to violate my federal right to privacy. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Per 15 U.S. Code 6802, these institutions are required to provide me with a notice that clearly and conspicuously outline my rights as a consumer. They have not provide me with an option to opt out of consumer credit reporting. I was not given the opportunity to, or choice, to exercise my right to direct that my private information is not to be disclosed. I never authorized for the these institutions to share any of my nonpublic personal information, such as financial data, to nonaffiliated third parties, such as XXXX, XXXX, or Experian, and others. These banks continue to report information on my consumer report without my explicit written or verbal consent. No consent is identity theft. 

Furthermore, 15 U.S. Code 1681 ( 2 ) states that transactional information or experiences between the consumer and the furnisher are to excluded from consumer reporting.

Congressional findings in section ( 4 ) state that the consumer reporting agencies are to exercise their grave responsibilities for fairness, impartiality, and a respect for the consumers right to privacy. XXXX, XXXX, and Experian, all have used information that was not supposed to be reported, to compile a report as to who I am as a person, -which is not a true reflection of myself. Due to their repostings, I have suffered greatly. I have been experiencing tremendous pain and suffering, as well as loss of earnings, loss of quality of life, and necessary damage to my financial reputation.