davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-10
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. (AL)

I appreciate you making the effort to update and repair some of the data on my creditreport, but there are still some items that need to be fixed. The 3 Credit Bureaus must verifythese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that thesedisputed items will be fixed as soon as possible XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$130.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance : {$99.00} XXXX XXXX Balance {$3100.00} XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$120.00} XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX Balance : {$240.00} XXXX  XXXX Balance : {$230.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-10-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CITIZENS FINANCIAL GROUP, INC. (NC)

I received the attached response from the Chairman 's Office at Citizens Bank on XX/XX/year> regarding case XXXX XXXX XXXX, a case number assigned by Citizens Bank. See Exhibit A attached. As of today, XX/XX/year> no further communication on this from Citizens Bank. 

On XX/XX/year>, I received the attached statement date XX/XX/year> requesting to pay {$560.00}. I inquired why this payment is being requested when I paid all my monthly premiums. See Exhibit B attached. As of today, XX/XX/year> no response from Citizens Bank. 

On XX/XX/year>, I received statement date XX/XX/year> requesting I pay {$270.00}. I inquired why this payment is being requested. See Exhibit C attached. As of todayXXXX XXXX XXXX XXXX  no response from Citizens Bank.
Consumer complaint received 2023-07-26
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)

Despite my multiple attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue has yet to be resolved. The inclusion of these items has had a profound impact on 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 2022-12-26
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. (CT)

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 XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have rights to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not permit information 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 any other adverse items 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 so has reasonable cause to believe the information is inaccurate.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

This account has been in deferment status for the duration Never late never in repayment mode shows a current balance double the amount when started a payment amount due every month but the account in deferment status until XX/XX/2024.
Consumer complaint received 2024-08-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (NJ)

I noticed that you are reporting inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate. This letter serves as a DEMAND to validate this account : Account Name ; XXXX XXXX XXXX. 
Please provide me with the following : ( XXXX ). Full accounting for this account : ( XXXX ). Copy of the assignment of purchase from the creditor ( XXXX ). Every charge and what was purchased, fee, payment, credit, interest ( XXXX ). How you calculated what you claim I owe ( XXXX ). ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( XXXX ). Full chain of assignments from charge off to present ( XXXX ). Proof that you own the debt with full clear title ( XXXX ). Proof that you were on the original contract ( XXXX XXXX XXXX sect. 93 ) & ( XXXX XXXX  XXXX XXXX XXXX ) If you cant provide me with sufficient proof as listed above, then you must delete the above account from all three credit reports ASAP. Let me remind you of the law : according to FDCPA 809 ( b ) furnishing, verifying and updating is considered collection activity. If you verify this inaccuracy from the credit bureaus without providing me with all of the items listed, you will be in violation of the law which carries a fine of {$1000.00} per violation. My attorney who specializes in suing debt collectors will be on standby waiting for my instructions.
Consumer complaint received 2024-08-16
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: EQUIFAX, INC. (OR)

While checking my most recent credit report, I noticed credit inquiries that I did not authorize. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX il, XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX, XXXX XX/XX/XXXX Dear Equifax XXXX and XXXX This letter is a formal complaint that you are reporting inaccurate and incomplete information to my consumer report According to 15 U.S. Code 1681, all information that is reported to my consumer report has to be accurate and timely. The items that I have listed below do not belong to me and I am requesting them to be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] I had nothing to do with these accounts I did not authorize any of them sometime ago, I end up losing my Social Security card and I believe I am a victim of identity theft Sincerely XXXX XXXX
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (VA)

Issues with XXXX ( experian.com ) : - Experian makes it impossible to create an account to freeze credit reports- there are always errors at the last step which forces customers to buy their subscription. 
- Experian makes it impossible to reach a customer service representative through the phone - Once the customers are stuck at the last step of account creation, there is no way to delete the already provided information.
Consumer complaint received 2021-07-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (DE)

On XX/XX/XXXX I was unable to receive funds from my family using Cash App. I contacted Cash App they claimed I needed to verify my identity, mind you I had the Cash App for months already and used with no problems. They sent me a link instructing me to send my DL front and back and including a picture of me holding my license ( odd? ), but I did it. They told me it would take 10 days. I've verified with my other " cash app '' types, it took 1 - 3 days. I contacted Cash App XX/XX/XXXX talking to 2 reps at the same time. 1 via the cash app app, 1 via XXXX cash app. 1 rep continued to say they're working on it, while the other said I have to send my license again ( talking to them at the same time ). I feel I am being toyed with and I don't want to send it again and why wouldn't they both say that if that's the case. 1. I'm worried of where I sent my information to, 2 still unable to use the Cash App app, 3 someone is lying and playing games. 
My Case # XXXX Here 's the link they had me send my credentials to. 
https : XXXX. 
Please check the link validity.
Consumer complaint received 2021-07-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (CO)

I own and operate a small XXXX XXXX XXXX  business. I sometimes travel to craft shows to sell my XXXX. In XXXX of 2021 I had two such shows and I was using Square to process my credit card transactions. Immediatly after the second show ( XXXX XXXX ) Square informed me, via text message, that my account had been closed and that my funds were being held. 
Trying to contact a person at Square is impossible. The only real option of contacting the company is through email. They do list a phone number, but once you punch in your account number a pre recorded message tells you that your account has been closed, permanently. There is no reason given and according to Square, no recourse. Any funds you had in your account will be held for up to three months. My email complaint fared no better ; I received a generic reply with the same information : account permanently closed, no reason, no recourse, no funds for three months. There was no contact information for Square in the email. 
Wow. I am lucky enough to have a business where this hold does not threaten the ability of my business to operate, but it could have. After this happened I did research on the net ; this is not an isolated occurence. People 's businesses are being ruined. This seems like some sort of scam to hold on to people 's funds for a quarter of year. Interest profits?
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

Equifax has yet to update my info on XXXX has yet to update my balance as {$0.00} as of XXXX. 

Equifax has wrong balances on several accounts Equifax has other information on my credit wrong that should not be on the credit file
Consumer complaint received 2021-06-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc. (MD)

I sent XXXX in XXXX  ( XXXX BTC ) to my Cashapp wallet ( $ XXXX / XXXX ) and the transaction was above XXXX by the time it got to my cashapp due to XXXX  fluctuation of price and cashapp limits XXXX  transactions at XXXX so it said deposit over limit and to reverse my deposit. Its been way longer than a XXXX transaction takes and I still havent received any word back from cashapp and am missing XXXX USD
Consumer complaint received 2024-10-06
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. (NJ)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my Equifax credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2023-02-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (TX)

I had a payment due for my credit card on XX/XX/XXXX with the statement balance being {$320.00}. I had scheduled a payment on XX/XX/XXXX for the full statement balance and received an email confirmation stating the payment was scheduled. On XX/XX/XXXX at XXXX I had received another email from Barclays Card stating the following : " Thank you for your recent payment Hi ( MY NAME ), Were confirming your recent payment of {$320.00} was posted to your AAdvantage Aviator XXXX XXXX XXXX Mastercard account on XX/XX/XXXX. 

To review all your payment activity, please log in to your account online and select Payments. 
View Payment Thanks for choosing us. " Upon receiving this email confirmation I assumed everything was good to go. On XX/XX/XXXX, one day after my payment due date, I signed in online to check my account and discovered that the payment was not in fact actually applied. With the apparent reason of them being unable to locate the bank account. Which I find unusual as I could see that the routing number was correct and the last 4 digits of the account were also correct, and as you have to enter the account number twice I find it highly unlikely that I entered the first 4 digits of the account number wrong, and no other credit card company has issues drafting money of my account. Upon discovering this I made another payment on XX/XX/XXXX with another account. I then contacted support and expressed my grievances about the system. Since it was one day late it triggered an interest charge. Support agreed to waive the interest. Upon checking today on XX/XX/XXXX, I am now being charged residual interest in the amount of {$20.00} and they refuse to waive it. My biggest complaint is that they sent me a misleading email saying that my payment was applied when it wasn't. They claim that they sent me a letter dated on the XXXX. However it didn't arrive till the XXXX, which would have been way too late to address the issue. They didn't send me any email notification that there was a problem otherwise I would have fixed the issue the same day. Instead they just wanted to wait and charge me interest so they could collect more money. So through no fault of my own I am being penalized because of a system error, which is not my fault. Again had they not just sent me an email stating that my payment was applied I would of known to check my account, or even if they had sent an email stating that there was an issue I would of checked my account, and made another payment and all of this would of been avoided.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. 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.
Consumer complaint received 2024-10-10
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. (NY)

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please
be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my
question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-18
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. (IA)

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 U.S.C. 1681. 

XXXX # XXXX 15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. Section 604 A Section 2 its also 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 following items of information Any other adverse 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 2024-10-10
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. (TX)

My consumer report contains accounts linked to identity theft that I never authorized in writing or with a wet signature. I've recently contacted your organization about this and am now formally demanding these accounts be blocked and removed from my report immediately. These inaccurate entries have caused me significant distress and misrepresent my credit history and obligations. If not addressed properly, I'll pursue legal action to protect my rights and seek resolution. These fraudulent items have prevented me from achieving key financial goals like buying a home and supporting my family.
Consumer complaint received 2024-10-06
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: EQUIFAX, INC. (FL)

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.

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 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PNC Bank N.A. (MI)

PNC is show in the following documentation manipulating data being reported to the credit agencies as a means of punishment for disputing information. An account that was disputed for a charge off was updated to the year 2024 and the current month as punishment for charge off dispute.