davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (NH)

A scammer, who identified himself as XXXX XXXX, responded to my XXXX XXXX ad in which I listed 2 tickets to a XXXX  concert for sale. He asked me to text him at ( XXXX ) XXXX, which I did. We discussed ticket price. He asked to use Zelle instead of XXXX or XXXX. He purported to send me {$440.00} for the tickets. I received an email that appeared to be from Zelle telling me that the {$440.00} was in escrow, and that to release the funds, the scammer had to send me {$140.00} and I had to refund him {$140.00} in 30 minutes. At first, the interaction did not go through - my bank, XXXX XXXX, XXXX, stopped it. I called the bank and the person with whom I spoke neglected to tell me that, in fact, the scammer had never sent any money to me through Zelle. The bank released the {$140.00} to the scammer ; unbeknownst to me the buyer had never actually Zelled me the {$440.00} for the tickets or the {$140.00}. 

I received another email telling me that the scammer had to send me another {$140.00}, presumably because I had taken more than XXXX minutes to refund the first {$140.00}. I again had XXXX minutes to refund the second {$140.00}. I received a fake notification from Zelle telling me the {$140.00} was waiting for me and again Zelled the scammer {$140.00}. 

I then received a third message, purportedly from Zelle. telling me I had to get the scammer to send me another {$100.00}, which I had to refund immediately. As before, I received a message that the {$100.00} was waiting. I tried to send the scammer the {$100.00} back, but bank stopped the transaction. I called the bank and finally learned that Id been scammed out of {$280.00}. The bank is pursuing a fraud claim with Zelle on my behalf.
Consumer complaint received 2023-09-03
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. (AL)

These inquiries are unauthorized and they are not related to any transactions by me XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MA)

I have a credit freeze on my Equifax credit report as well as fraud alert and some from Equifax or Equifax is allowing someone, ( who is not me ) to change my information including changing my first name, adding old address that are XXXX - XXXX XXXX XXXX. Also changing the date of my fraud alert and freezing and unfreezing my credit report without my permission This is the third time this has happened. Resulting in receiving credit card offers under the fraudulent name. I tried to resolve this several times with no results
Consumer complaint received 2023-09-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (FL)

Re : Cash App case number associated with this claim decision is XXXX. 


On XX/XX/2023 my cash app was had five unauthorized transactions listed at follows : XXXX. XXXX XXXX ( XXXX XX/XX/XXXX ) {$210.00} XXXX. Add Cash ( failed ) {$100.00} ( listing lightened the amount indicpuration did not go through ) XXXX. XXXX XXXX ( on XX/XX/XXXX ) {$200.00} XXXX. XXXX ( XXXX XXXX ) {$240.00} XXXX. Add Cash ( XXXX XXXX XXXX ) {$200.00}... 
I am not sure what account was debited for transaction 1.

No action was taken on transaction 2.

My checking account was debited for transactions 3, 4, and 5. The total lost from the checking account due to this fraudulent activity was {$650.00} I reported this to Cash App customer service representative XXXX XXXX on XX/XX/2023, at XXXX XXXX. He advised that transaction XXXX was charged to a debit card that had been added and removed from my account and did not go through. He also informed me that my checking account and debit card had been removed allegedly by the fraudster. 

Cash App responded by email on XX/XX/2023 : " We compared the transaction you brought to our attention with your account history. Based on the information you provided, our investigation led us to determine that this transaction ( XXXX ) was authorized by you or someone you authorized to use your credentials, and no error occurred. As a result, your claim has been denied and closed ''.
Consumer complaint received 2023-09-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CCF Intermediate Holdings LLC (TN)

On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Flagged my account as collections for the amount of XXXX This amount was charged off about 2-3 months prior to this showing up. For a 7 and a 1/2 year old debt with ( speedy cash ) This company is trying to collect on a charged off account! 

Speedy Cash is also responsible for Selling this account to them after the charge off date.
Consumer complaint received 2023-09-18
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)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-04
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. (CA)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. XXXX XXXX XXXX XXXX
Consumer complaint received 2015-07-21
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Marauder Corporation (IN)

I received a voicemail on my cell phone stating they were a collection agency ( Nationwide XXXX or something along those lines ). She said her name was XXXX XXXX and she was calling from the XXXX and were in the process of filing XXXX serious complaints about me to my state 's clerk office. She said they will serve me at my place of employment or residence. They said they would not file the complaint or take me to court if I contacted them to take care of the situation. They called my mother 's cell phone and left a message asking for me and saying the exact same thing I stated above. 

I called them back and gave the case number they provided on the voicemails. They gave me the last XXXX of my social and had an old work email. They said i took out a loan in XX/XX/XXXX and did not pay it back. They had the last XXXX digits of an old, closed bank account number ( which I do n't know if it was correct as that account has been closed since XX/XX/XXXX i believe ). They said the plaintiff is XXXX. I have no idea who that is, nor did I take out a loan in XX/XX/XXXX. I told them I would like to get this resolved, but that I have no idea what this could be. So I asked them to send me paperwork so that I can accurately look into this. They told me they do n't have any such paperwork and that they can only send me a receipt once I pay or set up a payment arrangement. The amount due is only a little of {$700.00}, but I refuse to give my bank information to people I do n't know. I checked my credit report, and I do not have anything listed from XXXX or any other collection agency I do not know of.
Consumer complaint received 2023-09-18
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. (NC)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-09-18
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. (NY)

Despite my repeated attempts to rectify this situation, these fraudulent accounts persist, and it has become abundantly clear that your organization is failing in its duty to protect consumers from identity theft. 
Account Information : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I can not emphasize enough the urgency of this matter. The presence of these accounts has hindered my ability to secure loans, obtain credit, and achieve my financial goals, all through no fault of my own. 
Despite all my efforts, I continue to receive no resolution, and these fraudulent accounts remain on my credit report. This situation is unacceptable, and it is clear that your organization is not taking the necessary steps to investigate and address this issue promptly.
Consumer complaint received 2023-09-18
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. (MO)

I am writing to express my deep frustration and concern regarding the repeated attempts I have made to have a charge-off account removed from my credit report. Despite my persistent efforts, this charge-off account continues to negatively impact my creditworthiness. I am writing this letter to bring this matter to your attention and request an immediate resolution. 
I am fully aware of the importance of accurate credit reporting and how it affects my ability to access financial services and opportunities. The continued presence of this incorrect charge-off account on my credit report has caused significant financial harm, making it challenging for me to secure credit, loans, and other financial transactions. 

I kindly request that your bureau takes immediate and thorough action to investigate and remove the inaccurate charge-off account mentioned below from my credit report. Furthermore, I urge you to provide me with a written explanation detailing the steps taken to correct this inaccuracy, along with a timeline for its removal. Clarity regarding this process is crucial for me to understand when the issue will be resolved. 

Should this charge-off account persist on my credit report without corrective action, I may have no choice but to explore legal remedies available under the Fair Credit Reporting Act ( FCRA ) and other applicable regulations. Please assist me to removed this charge off account : XXXX XXXX XXXX XXXX Balance : {XXXX}.
Consumer complaint received 2023-09-03
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. (MI)

The United States Bankruptcy Court for the XXXX XXXX of Michigan does not report individual bankruptcy case filing data to credit reporting agencies. Nor do they update information directly to the credit bureaus. I have supporting documents. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681 c. ( a ) ( 5 ) 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 crime 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 a reasonable cause to believe that the information is in accurate
Consumer complaint received 2023-09-18
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)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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
Consumer complaint received 2023-08-19
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: TRANSUNION INTERMEDIATE HOLDINGS, 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 the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXX XXXX XXXX XXXX Balance {$900.00} XXXX XXXX XXXX XXXX  XXXX Balance {$900.00} XXXX XXXX XXXXXXXX Balance {$900.00}
Consumer complaint received 2023-08-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Klarna AB (VA)

On XX/XX/2023 at XXXX XXXX  I made an XXXX reservation in a Klarna credit card ending in XXXX for {$1700.00}. Later on that morning I cancel the reservation and XXXX issue the total refund back to the card. 

I have provided verification to Klarna Dispute Department and they continue to insist that I own them {$1700.00} even when presented with receipts that the money was refunded back to them. This dispute has been on going since XXXX till today.
Consumer complaint received 2023-09-18
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. (SC)

This is my 4th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-09-03
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Atlanticus Services Corporation (DC)

About a year ago, we signed up for a XXXX security system, which came with a {$2000.00} interest free " retail credit '' to pay off the equipment over time. The retail credit was covered by Fortiva. 

We were notified last week that we would be receiving a Fortiva Credit Card. When the card came in the mail, I called to let them know I didn't want the card. I was told by the representative that I HAD to accept the card and that the balance of our security system equipment would be transferred to the credit card and would accrue interest at a rate of 25.99 %. This isn't what we signed up for, and is extremely predatory. 

I was able to pay off the lump sum of the balance ( {$1500.00} ) and close the account, but had I not been able to, we would have been responsible to pay significantly more than we signed up to pay.
Consumer complaint received 2023-09-18
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. (NC)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX Balance Owed : {$1400.00} ; XXXX XXXX XXXX Balance Owed : {$920.00} ; XXXX XXXX XXXX Balance Owed : {$4200.00} ; XXXX XXXX XXXX Balance Owed : {$9100.00} ; XXXX XXXX XXXX Balance Owed : {$19000.00}.