davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-15
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. (TX)

Per The Federal Credit Reporting Act 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] a consumer reporting agency shall block the reporting of any information in the file a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.This account is a result of identity theft. Account name : Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. Please delete this item IMMEDIATELY! I have attached my identity theft report. This account should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection 9 ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTIONS of the consumer to whom it relates, I NEVER gave any consumer reporting agency WRITTEN INSTRUCTIONS to report anything on my consumer report which violates my rights as a consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of this account IMMEDIATELY. Lastly per the FCRA I am entitled to {$1000.00} per FCRA Violation if I take this to court. You are in willful violation of [ 15 U.S.C. 1681c-2 } and [ 15 U.S. Code 1681b ]. I trust that Teletrack do not want to this matter to go into a court of law as I am litigious consumer. Please remove this item from my credit report.
Consumer complaint received 2023-06-15
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: EQUIFAX, INC. (CA)

I am formally seeking proper guidance and assistance to secure that the information reported on my credit file is 100 % accurate. I recently received a copy of my credit report and feel that there is an item that is misleading and incomplete. Therefore, I request that you investigate this item. XXXX XXXX / XXXX XXXX I would appreciate your immediate attention to this matter. I am looking forward to a positive response from you.
Consumer complaint received 2023-06-15
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. (NY)

I AM BEGGING TO REMOVE AND BLOCK THIS AS I HAVE CONSISTENTLY REQUESTED THIS FOR SEVERAL MONTHS AND ASKING FOR THIS TO BE UPDATED.IT 'S REALLY FRUSTRATING NOTHING 'S HAPPENING FROM WHAT I DISPUTED SINCE THEN
Consumer complaint received 2023-05-11
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NV)

Greetings, On XX/XX/2022 I brought a car from XXXX XXXX in XXXX XXXX NV. for XXXX Deal # XXXX stock number # XXXX I still don't have the car its been almost two years.
Consumer complaint received 2023-06-15
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. (NC)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-15
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: EQUIFAX, INC. (TN)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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
Consumer complaint received 2023-06-15
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: EQUIFAX, INC. (NY)

I AM BEGGING TO REMOVE AND BLOCK THIS AS I HAVE CONSISTENTLY REQUESTED THIS FOR SEVERAL MONTHS AND ASKING FOR THIS TO BE UPDATED.IT 'S REALLY FRUSTRATING NOTHING 'S HAPPENING FROM WHAT I DISPUTED SINCE THEN
Consumer complaint received 2023-05-03
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: JPMORGAN CHASE & CO. (NJ)

In XX/XX/XXXX I made a purchase using XXXX which would charge my Chase credit card {$750.00}. I then returned the item to the merchant and waited for my refund. There was a delay in getting the refund so Chase gave me a credit for the {$750.00} in early XX/XX/XXXX and I filed a dispute against the vendor. In XXXX, XXXX the vendor gave me a refund of about {$730.00} which was the {$750.00} minus return shipping. Chase did not realize the vendor had returned the funds for 3 weeks until i noticed the refund on my account and called them. They explained that the {$750.00} they credited to me in XXXX had been taken from XXXX and they would return the money to them. Chase then rebilled me the {$750.00} on or about XX/XX/XXXX as I had received 2 refunds for the same item. 

I assumed at this time everything was over. Until About XX/XX/XXXX XXXX also rebilled {$750.00} to my credit card. I also noticed they had blocked me from using their services. I called XXXX to ask why had they rebilled me. They told me the merchant issued a refund in XXXX and they ( XXXX ) never received their money that Chase had credited to me in XXXX. 

I have called Chase every week since then several times per week asking them what is the process for returning this money to XXXX. They have told me they returned it to the bank on XX/XX/XXXX and XXXX had to check the bank or merchant services. I called XXXX to give them the information and they have stated they see no refunds on their account. XXXX is now emailing me, texting me daily about this debt they want to collect from me. I dont understand why XXXX and Chase cant work this out. How did I as the consumer get in the middle of this trying to figure out where this money went. I never received a cash. This was all transactions through a credit card. So I dont understand why XXXX believes I am responsible for any delays. 
I have called Chase numerous times per week asking for help. Asking them specifically where the money went, to what bank, are there any routing numbers etc. Chase has told me weekly they will look into it and call me back with updates. Chase has never called me. I dont want this to go on for months. I need help.
Consumer complaint received 2023-05-03
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)

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 ACC # XXXX, Account name : XXXX XXXX XXXX ACC # XXXX, Account name : XXXX XXXX XXXX ACC # XXXX, Account name : XXXX XXXX XXXX ACC # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (IL)

On XX/XX/XXXX ; I attempted to pay down my Citibank Premier Credit Card # XXXX, with a third party check {$2400.00}. A friend XXXX XXXX, owner of XXXX XXXX XXXX, owed me this sum. It was a payroll check issued from XXXX for his landscaping services. 

I deposited the 3rd party check along with a deposit slip, indicating that the funds were to be used for my Credit Card Payment. The ATM branch that I used was at XXXX XXXX XXXX XXXX, XXXX XXXX IL XXXX ( See attached - Exhibit 1 On XX/XX/XXXX, the bank reversed my payment. 
( See attached - Exhibit 2 ) After many months of disputing this situation : In XX/XX/XXXX, after an investigation by Citi was completed ; Citi REVERSED Incorrect Payment XXXX. However, this status was not maintained because on XX/XX/XXXX, Citi made a Reversal Adjustment XXXX and declined a second time, my payment of {$2400.00}. 
( See Attached - Exhibit 3 ) On XX/XX/XXXX. I received correspondence indicating that " on XX/XX/XXXX the Illinois branch bank requested us to return the {$2400.00} payment to them because they stated the payment was not intended for the above account ... ... '' ( See Attached - Exhibit 4 ) After each reversal that Citi made, I kept calling the customer service line to request further investigation which at first resulted in a solution. However after dozens of attempts more in trying to have Citi apply the {$2400.00} with no avail, I became exhausted and frustrated from this ordeal and stopped pursuing a resolution. However, I kept copies of all the receipts, statements, correspondence, etc. 

When a friend encouraged me to open a case with your agency, that I never knew existed, I decided to pursue a complaint and resolution again.
Consumer complaint received 2023-04-03
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc. (IL)

I bought a prepaid card for my daughter in law. I have the receipt and provided it. The company assured us theyd send a new card and they have not. The card has a huge barcode over the back of it so you cant even read who to contact. I finally got ahold of the company and you have to jump through hoops ( what is 9+5 ) to even connect to customer service. I have been on hold for 20 minutes and no one has answered. The card is locked so I cant confirm it online. The website says the closed shop and asked you to contact XXXX XXXX instead. It is listed as XXXX.
Consumer complaint received 2020-06-15
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. (PA)

Experian- I have been a victim of identity theft and should be receiving free credit monitoring which experian has locked me out of my account, continues to solicit monthly payment of XXXX a month, reports inaccuracies on my credit report after several disputes and letters violating FCRA with no documentation of proof resulting from their investigations. I have tried calling numerous times resulting in no answer the numbers they have advertised. I have also used credit repair agencies and advice to follow from professionals and still have had no success. 

XXXX Continues to report inaccurate information on my credit report after several attempts to dispute. My credit score has increased due to good payment history. Between XXXX XXXX in one day my report showed a report of good payment history with the removal of an inquiry, and payment decrease which showed a increase and decrease in the same day of 57 points. On my XXXX XXXX and experian reports my scores are in the XXXX range. XXXX continues to report inaccurate credit scores and accurate information. I have used professional services, sent several dispute letters, and questioned their violations of FCRA. They have not mailed me proof of any disputes showing signature and documentation, and have allowed changes to my account with incorrect updates, information from creditors harming my credit file. I am requesting a full investigation to their practices and would like to seek damages as a result to their practices.
Consumer complaint received 2023-05-03
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

I am writing this complaint against CAPITAL ONE AUTO FIN for the fraudulent inquiry on my credit report. My identity Theft report number is XXXX which I have included in the attachments below. As I checked my recent credit report, the unauthorized hard inquiry is in my credit report but I never authorized them to access my credit file.
Consumer complaint received 2023-06-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MERCANTILE ADJUSTMENT BUREAU, LLC (TX)

Mercantile Adjustment Bureau has reported a collection account to my consumer credit file. I do not owe this alleged debt.Mercantile Adjustment Bureau HAS NEVER SENT any notice of collection to me ever. This is a strong violation of the FDCPA. If Mercantile Adjustment Bureauhas the right to collect this debt in accordance with the FDCPA I am asking for validation of this account. This includes ALL CONTRACTUALDOCUMENTS stating and proving that I am responsiblefor this account that I agreed to and authorized the alleged debt in question in which Mercantile Adjustment has reported to my consumer credit file. Mercantile Adjustment has no legal right to attempt to collect a debt as this does not belong to me. Again Mercantile Adjustment has not validated this debt nor sent me any notice of collection fordebt validation.
Consumer complaint received 2023-05-03
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Block, Inc. (RI)

This is against Cash App. on XX/XX/2023 I borrowed {$500.00} USD from Cash App and the agreement was for me to repay it on XX/XX/2023. On XX/XX/XXXX I made a mistake and paid it early which caused my regular checking account to overdraft. I contacted Cash app to asked them to refund it because it was done by mistake and they have been telling that the case was escalated however i have yet to get an update. I have reached out about 6 times calling as well as emailing with no response or update. I explained that it was an accident and that before I get hit with overdraft fees I would like them to refund it so I can deposit it back into my account and they keep giving me the run around and not answering my questions which makes me feel like they being deceitful or doing something fraudulent.
Consumer complaint received 2023-06-15
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: TD BANK US HOLDING COMPANY (GA)

TD AUTO FINANCE it appears that you have turned Acct XXXX on my credit report into a charge off, but I never received the 1099. Can you be so kind to send me a 1099 for this actual item that has charged off due to my financial hardship?
Consumer complaint received 2023-06-15
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. (NY)

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized.These accounts are unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. 
Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-03
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. (MS)

I am writing to file a complaint with CFPB regarding the failure to provide proof of investigation in response to my dispute. I submitted a dispute to your company regarding XXXX with account number XXXX, XXXX XXXXXXXX XXXX with account number XXXX, and XXXX XXXX with account number XXXX. I request that you reinvestigate the information and provide me with proof of reinvestigation as required by the FCRA Act.
Consumer complaint received 2023-06-15
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)

In accordance with the Fair Credit Reporting act. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). 

If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ).

When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ).

The list of accounts below are a result of identity theft and have been reported and previously disputed with all three major credit bureaus. In hopes of correcting these inaccuracies I was then notified without proper investigation or proof that the validity of these accounts were accurate thus prompting me to look further more into the issue. 

Not only have they violated my rights to privacy according to 15 U.S.C 1681 section 602A, but also failed to provide me with a detailed explanation of how these inaccuracies were made nor have they been corrected which has led to a violation of my federally protected privacy and confidentiality by releasing and publishing inaccurate fraudulent information under 15 USC 1681. 

XXXX XXXX  : XXXX {$500.00} XX/XX/2023 XXXX XXXXXXXX XXXX XXXX XXXX {$610.00} XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$790.00} XX/XX/2023 15 U.S.C 1681 Section 604 ( a ) ( 2 ) States that a consumer Reporting Agency can not furnish an account without my knowledge or written instructions.

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 2023-06-15
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. (FL)

This is my several requests that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block this account which was opened without my knowledge, consent or authority within XXXX business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.XXXX XXXXXXXX Balance : XXXX
Consumer complaint received 2023-05-03
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. (NV)

There is an account on my credit report from a gym called XXXX, XXXX XXXX XXXX XXXX. The information states the I had an account with this gym and that it was not paid. I never had a membership at this gym and never signed up for any membership at this XXXX. The account is not mine. I have sent letters to all three credit bureaus as well as the collection agency explaining that these accounts are not mine and they have still not removed the incorrect information.