davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-29
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)

The unverified inquiries indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these inquiries to be deleted ( A ). I will take legal action against you if you do not validate these inquiries. Please follow the law so that this situation can be settled quickly. 

XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date XXXX inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Account XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX of inquiry : XX/XX/XXXXXXXX XXXX  Date of XXXX XXXX XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX  XXXX XXXX inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX TO Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of XXXX : XX/XX/XXXX XXXXXXXX XXXX  Date of XXXX : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXXXXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2022-11-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (GA)

I tried to transfer {$100.00} to my cash app account but it was declined on XX/XX/XXXX. I then proceeded to try to send money that was also declined on XX/XX/XXXX. Nothing was took from my bank account few days later XX/XX/XXXX {$100.00} was took from my account by cash app. I contacted support and they said the money would be sent back to my account I never received it. I then sent my boyfriend {$100.00} but he refunded it on XX/XX/XXXX and I had {$100.00} in my cash app account. On XX/XX/XXXX cash app took {$100.00} from my account claiming that it was took because my bank couldnt cover the funds but I never transferred any funds nor did I authorize a refund to anyone. I feel as if cash app stole my money twice in a row. My money was took twice and never returned to my account and it was supposed to be refunded but it never did. I hope this is an eye opener to many people that you should stop using cash app
Consumer complaint received 2022-11-29
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: Experian Information Solutions Inc. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA, XXXX Cur : XXXX XXXX XXXX XXXX XXXX PA, XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2022 Re : Letter to Remove Inaccurate Credit Information : Report # : XXXX To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. See the attached copy of my credit report ; the errors have been highlighted. Here as follows are items in error : XXXX XXXX XXXX Inquired on XX/XX/2022 Pursuant to 15 usc 1681 ( a ) the consumer report does not have any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device XXXX XXXX  Inquired on XX/XX/2022 Pursuant to 15 usc 1681 ( a ) the consumer report does not have any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device XXXX XXXX XXXX Inquired on XX/XX/2022 Pursuant to 15 usc 1681 ( a ) the consumer report does not have any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device XXXX XXXX Inquired on XX/XX/2022 Pursuant to 15 usc 1681 ( a ) the consumer report does not have any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device XXXX Inquired on XX/XX/2022 Pursuant to 15 usc 1681 ( a ) the consumer report does not have any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device XXXX Inquired on XX/XX/2022 Pursuant to 15 usc 1681 ( a ) the consumer report does not have any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device XXXX XXXX XXXX Inquired on XX/XX/2022 Pursuant to 15 usc 1681 ( a ) the consumer report does not have any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device XXXX XXXX XXXX XXXX Inquired on XX/XX/2022 Pursuant to 15 usc 1681 ( a ) the consumer report does not have any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Sincerely yours, XXXX XXXX
Consumer complaint received 2022-11-29
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. (OH)

Submitted a fraud complaint on XX/XX/2022. The Credit reporting agency had 4 days to delete all fraud accounts on my credit report. Nothing has changed
Consumer complaint received 2022-11-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

I was selling a bicycle and I had a buyer pay for it with a counterfeit cashiers check that was written out for {$4900.00}. Prior to finding out the check was counterfeit I XXXX  a shipper {$1000.00} on XX/XX/XXXX for the shipment of the bike. I assume that this shipper was also a part of the scam. I contacted usaa on XX/XX/XXXX to open a dispute claim but the claim was denied on the XXXX. The money which was initially cashed will be removed from my account and the amount which I XXXX is unable to be returned to me.
Consumer complaint received 2022-11-29
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. (CA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX .... Balance : {$2000.00}
Consumer complaint received 2022-11-29
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. (TX)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-29
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: DISCOVER BANK (MI)

RE : The inaccurate and certifiably noncompliant information you are reporting To whom it may concern : I am writing you with this formal objection of information published and provided by you to XXXX, as reported and I demand for swift action on your part. Additionally, this notice also serves as my rightful demand for adequate investigation/reinvestigation into every aspect of any delinquency and/or derogatory data accused of me to ensure my lawful right of accurate and compliant reporting! 
You are improperly reporting an alleged Auto Loan, and XXXX loans to the credit bureaus that is clearly in noncompliance with recognized XXXX Reporting Requisites per the CRGG as well as the FCRA, and thus damaging my credit reputation. Without being certifiably compliant with XXXX reporting standards, you are in violation of the required permission to report a single aspect or notation of any alleged accounts, much less than an auto loan that you did not have permissible purpose to share my personal information. I formally contest the reportability of the alleged delinquent account. 
Immediately, DELETE ALL record of the following alleged Auto Loan, or else provide certified proof that you have physically verified each notation for maximum possible accuracy and compliance with all XXXX reporting standards.
Consumer complaint received 2022-11-29
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. (NV)

In accordance with the fair credit reporting act XXXX  account number XXXX XXXX XXXX {$730.00} reporting amount ( EXPERIAN ), XXXX XXXX {$730.00} reporting amount ( XXXX ) has violated my rights. I do NOT owe such debts. Original creditor ( XXXX XXXX XXXX ) has given verification of {$0.00} debt owed or in collections status. Please remove this debt and incorrect information immediately. 
Statue 15 U.S.C 1681 section 602A states I have the right to privacy.

Statue 15 U.S.C 1681 604A states.. a consumer reporting agency cant furnish a account without written instructions from the consumer.

I am the consumer and I do not give my permission to furnish information on my report at this time.
Consumer complaint received 2022-11-29
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. (CA)

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 : XXXXXXXX XXXX  XXXX # XXXX Account name : XXXXXXXX XXXX XXXX XXXXXXXX Account name : XXXXXXXX XXXX XXXX  XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXXXXXX XXXX XXXXXXXX XXXX  XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX 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 2022-11-29
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. (LA)

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 deleted from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-11-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Hospital Services, Inc. (ID)

This is a bill I reserved from the XXXX XXXX XXXX from XX/XX/XXXX for a XXXX preformed on XX/XX/XXXX and my the company I worked for was taking care of all the bills for that. The company is XXXXXXXX XXXX XXXX XXXX ) XXXX
Consumer complaint received 2022-11-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (MD)

ive called many times to the apartment complex to get answers about the debt. i kept getting wrong numbers that was handling the case. no one in the rental office wanted to assist me in this matter. The name of apartment back then was XXXX XXXX.. the complex now name has been change 3 times since calling about this matter.
Consumer complaint received 2022-11-29
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: Experian Information Solutions Inc. (AR)

15 U.S. Code 1681b - Permissible purposes of consumer reports. Inquiries are not attached to an open account. On XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX  ran my credit without permission. 
On XX/XX/XXXX XXXX XXXX XXXX ran my credit without permission. On XX/XX/XXXX XXXX XXXX ran my credit without permission. I contacted EXPERIAN, XXXX, XXXX to get written validation of the inquiries. No documentation was provided. This has caused XXXX  distress and pain & suffering.
Consumer complaint received 2022-11-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Block, Inc. (MD)

On XX/XX/2022 I bought an XXXX XXXX XXXX in amount of {$600.00} on XXXX XXXX through Afterpay USA. I paid Afterpay a down payment of {$160.00} for this purchase and they created a one time card to be used to pay for the purchase. 

On XX/XX/2022 I received an email from XXXX XXXX stating that my order would be cancelled because my card failed the authorization process. Since the card failed the authorization process, it was never charged. The order was cancelled by end of night XX/XX/2022. 

I then reached out to Afterpay that same night to inform them of the order being cancelled. I was told by Afterpay that I would have to wait until XXXX XXXX refunded the money back to Afterpay and then the money would flow back to me. I was told I could submit evidence of the order being cancelled which I did. I received an email thanking me for evidence but reenforcing that they will not be giving me my money back until XXXX XXXX processes the refund. 

On XX/XX/2022 after a week of no money or resolution, I reached out to XXXX XXXX ( chat AND over the phone ; XXXX separate associates they said the same thing after looking into it ) to see what the hold up on the refund was. XXXX XXXX informed me that because the authorization failed, they never received any money for the purchase therefore could not issue a refund. They told me I would have to speak to my bank because theyre holding the money. My bank in this case being Afterpay who is currently holding the money. 

I reached out to Afterpay on this same day with this new information including screenshots of XXXX XXXX confirming they never received any money to process a refund. Afterpay AGAIN responded that I would have to wait until XXXX XXXX processed a refund. XXXX XXXX never received money from Afterpay for the product ; the money never changed hands. So currently Afterpay is sitting on the {$600.00} it owed XXXX XXXX and the {$160.00} that I paid as a down payment. 

Mind you, I am still responsible for paying for this product which I have not received. I pushed the payment back to next Tuesday XX/XX/2022 in hopes that this will be resolved by then and I wont lose out on anymore money. At the moment I am out {$160.00} that Afterpay refuses to give me and will be out {$600.00} in total if this is not resolved. Again no product to show for anything & XXXX XXXX never received the money to issue a refund. Just terrible customer service on Afterpays end.
Consumer complaint received 2022-11-29
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)

XXXX XXXX XXXX XXXX XXXX {$3200.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1500.00} XX/XX/XXXX THE FOLLOWING ACCOUNTS ARE REPORTING INACCURATE TO MY CREDIT REPORT
Consumer complaint received 2022-11-29
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: EQUIFAX, INC. (GA)

XXXX XXXX XXXX XXXX XXXXXXXX {$3200.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1500.00} XX/XX/XXXX THE FOLLOWING ACCOUNTS ARE REPORTING INACCURATE TO MY CREDIT REPORT
Consumer complaint received 2022-11-29
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. (GA)

This is my FURTHER endeavor to tell 3 CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their 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. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-11-29
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. (MI)

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 XXXX XXXX XXXX. 

Account name : # XXXX, # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX States I have the right to privacy. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX It also states a consumer reporting agency can not furnish an account without my written instructions/consent XXXX XXXX XXXX ( a ) ( XXXX ) 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 XXXXXXXX XXXX. 

XXXX XXXX XXXX XXXX A ) ( XXXX ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2022-11-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION (FL)

Going trough various documents and mailing I planned on shredding i cam across two letters from Truist which I assumed were bank solicitation. Upon opening I discovered the each letter demanded {$50.00} ( a total of {$100.00} ) to close accounts that I never opened and was not even aware I had. The account number on each letters differs but the mailing date is the same. In the letters Truist demand {$50.00} which includes a " {$30.00} Charge off fee ''. The letters also threatens reporting the alleged debt to " specialty check reporting agencies ''. 

Note that I never banked with Truist or any of their recent bank buyout. This seems to be a XXXX XXXX scam redo.
Consumer complaint received 2022-11-28
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: TOYOTA MOTOR CREDIT CORPORATION (IA)

I arranged to pay {$100.00} on my car loan on XX/XX/2022 and set up recurring payments of {$200.00} weekly to keep my car from being repossessed and to get caught up on payments. I noticed on XX/XX/2022 that the recurring payments were not on my account and attempted to call number on account and was left on hold for hours and I submitted a XXXXXXXX  messages through my online account after each time I attempted to call that I needed to be able to have access to setup recurring payments and have emails that show I submitted those requests. I then setup recurring payments through my checking account and XXXX failed and setup {$400.00} again recurring weekly to catch up those payments and tried calling the loan provider because they kept calling in early morning hours like XXXX to XXXX.