davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-28
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. (MS)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2024-08-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

Used their mobile banking app to deposit XXXX checks. 
With no call, email or text they slap me with a XXXX penalty to my account and lock me out of my mobile account. Luckily my bank account is XXXX XXXX XXXX and used to be a parent and child account so my mother was able to look in and see what was going on. Without that, I would be completely in the dark. 

I go to a branch and talk to them about the situation, they say that they cant do anything about it there and so they gave me a number to call ; that number just told me to go back to the branch. 

I have a family to provide for and with no consideration nor communication they have financial crippled us.
Consumer complaint received 2024-08-16
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: Watercress Financial Group LLC (VA)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2024-10-28
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: Experian Information Solutions Inc. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MN)

I am writing to formally request the blocking and deletion of all accounts listed below, as I am a victim of a data breach. Under 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am entitled to take these actions to safeguard my credit.The accounts in question are as follows : 1. XXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$1000.00} 2. XXXX XXXX XXXX  Account Number : XXXX Opened : XX/XX/XXXX Balance : {$380.00} 3. XXXX XXXX XXXX  Account Number : XXXX Opened : XX/XX/XXXX Balance : {$100.00} 4. XXXX & XXXX Account XXXX : XXXX Opened : XX/XX/XXXX Balance : {$240.00}
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

I am writing to formally dispute the inaccurate personal information on my credit report, specifically regarding the alleged serious delinquency, public records, and collection accounts attributed to me. These inaccuracies violate several federal laws, including but not limited to : 15 U.S.C. 1611 : Limitations on consumer credit reports.

15 U.S.C. 1681 : Fair Credit Reporting Act provisions.

15 U.S.C. 1691 & 12 CFR 1002 : Equal Credit Opportunity Act.

15 U.S.C. 1692c : Restrictions on communication.

15 U.S.C. 1602 : Definitions relating to credit reporting.

15 U.S.C. 1681n : Civil liability for willful noncompliance.

15 U.S.C. 1692f : Unfair practices in debt collection.

15 U.S.C. 1635 : Right of rescission.

I demand that these inaccuracies be investigated and corrected within 72 hours of this letter. If these items are not removed or corrected in accordance with the Fair Credit Reporting Act, I will pursue legal action to protect my rights and seek damages for any harm caused by this inaccurate information.
Consumer complaint received 2024-10-28
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. (AZ)

I am writing to formally request the blocking and deletion of all accounts listed below, as I am a victim of a data breach. Pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am entitled to take these actions to protect my credit. 
The accounts in question are as follows : XXXX. XXXX Account XXXX : XXXX Opened : XX/XX/XXXX Balance : {$6200.00} XXXX. XXXX XXXX Account XXXX : XXXX Opened : XX/XX/XXXX Balance : {$890.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$770.00} Additionally, I would like to address the inquiry associated with my credit report : XXXX  - XX/XX/XXXX
Consumer complaint received 2024-08-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (GA)

I had a problem with my cash app account, so I looked for a number to call cash app customer service, I'm not a texting type of guy, so I decide to call cash app customer service, well when I called the cash app number on the internet I genuinely I was talking to cash app customer service, so I was told to open the app and download this " team viewer '' type of app where the person can see what i am doing, and if need be take over, I was told to download the app, then open my cash app, so I did, the guys on the phone had an XXXX XXXXXXXX accent, and was telling me that he can help me and all I got to do is open the app, and tell him what happen, then he was going to refund me, so he did, but the refund was over the amount i asked for, which it was XXXX dollars, i was excited, while he was talking i started to notice that the transfer came from my bank account, when ive seen this i became high suspicious, and confronted him about it, but the guy was consistent on calming me down and wanted to get my friend number, or family member number, and change my bank info to a new one, at this point i became highly alarmed and exit off the app and exit off the download XXXX XXXX XXXX XXXX because i figured these people were scammers, but before i closed out they sent the cash to there bank account, before i even get a chance to hang up and take everything off, later on i did some research and come to find out cash app dont have a customer service you can call, but have a " in app '' thing where you chat on the app through texting, so i told them about it and the unauthorized transaction from a scam claiming to be them, and gave them all the info they asked for to do an investigation, and was told that the transaction were justified, i ask for them to send me there reasoning but they never sent it, so i contacted XXXX XXXX and ask all they need me to do, and granted me the XXXX XXXX for the unauthorized transaction, i was relieved until weeks later they took it back and informed me that the money was credit to my account but took it back, so i filed an appeal with XXXXXXXX XXXX and gave them a police report and any info they may need to help the invesigation, still came back denied, so i ask for there reasoning and they never replied, even though when i checked they have a zero liablity policy when it comes to these things, as of today im going to reach out again to appeal and ask for there reasoning and to send it to me. I wanted to file a complaint because these banks or financial apps are not cooperating nor even holding their side accountable of the scam that happened to me without a reason why.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

When I created my equifax account on line XXXX places a typo in my social security number. 
I did not realize it but equifax allowed the account to be created. When I log on I see my name but someone else 's information. I have contacted the company 's support by phone. Wait times are like XXXX minutes.The last time was onXX/XX/2024.I also created XXXX disputes online with them. They reviewed the disputes closed them but didn't resolve the issue. 

I can't see my credit information but I can see someone else 's. Including the XXXX #. This is a major security issue with the way their accounts are created. 

Case # XXXX Dispute # XXXX
Consumer complaint received 2024-08-16
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Ascent Holding Co (MD)

I made the mistake of attending XXXX with the hopes of obtaining gainful employment. I was lured in with falsified statistics that I would be one of many students who gained employment and could improve my life. Instead, I am saddled with a loan that seems impossible to pay and am now unemployed. Upon learning about XXXX, I was contacted by one of their XXXX XXXX and next thing I know I'm signing documents thinking I'm taking a step towards improving my future. When in reality I set myself so far back financially that I would not be able to make a spare dollar for another 5 years with a market rate job which I am having trouble obtaining. My issue lies with XXXX. I have put in hours upon hours honing my craft and relentlessly applying to jobs, all of which have left me empty handed. The education while informative was an absolute joke. XXXX made false promises in the hopes of luring desperate students to bleed them dry. I saw in the media that XXXX is being forced to forgive XXXX holders due to XXXX 's predatory practices. This is a start, but there are students such as myself who have the same amount if not more in the form of a hefty loan. We are left high and dry. We were in the same predicament as those with the XXXX  and are left with no relief.
Consumer complaint received 2024-10-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I just recently looked at my credit report I saw some hard inquiries that did not have permissible purpose. I also attached evidence XXXX. XXXX XXXX  This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b
Consumer complaint received 2024-08-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-08-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (TX)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-10-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My credit score recently dropped by XXXX points, as shown in the attached document. I have two Amex credit cards, each with a {$1000.00} limit. Last month, my balances exceeded the limits, causing a negative impact on my credit score due to high usage. Ive since made payments to bring both cards back within their limits. However, despite making regular payments, I was hit with a XXXX score decrease, which feels unfair, especially as this impacts my ability to secure financing for a home.
Consumer complaint received 2024-08-16
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: Global Lending Services LLC (WA)

I had received a voicemail from my lender. It was a XXXX minute message. The first XXXX seconds were directed to me and my voicemail. The last XXXX minutes and XXXX seconds. They were coughing, and then another voice came over asking about the file. They had no knowledge of the company. The lender went on telling them the personal issues that I had stated to them and since my file was on their screen my personal information was seen. At the XXXX minute mark the voicemail ended so I was unable to get the remaining conversation.
Consumer complaint received 2024-10-28
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. (NM)

Despite the multiple previous written requests, the unverified item 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 this item is being reported correctly? Who verified this item? 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 item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THISITEM? I b elieve you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 (
a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I looked at my Experian credit report again on XX/XX/year> and noticed some things are still incomplete and not accurate with the accounts listed above. 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 generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the informat
ion 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 2024-10-25
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. (CA)

This situation has been incredibly frustrating, affecting both my financial stability and mental well-being negatively. My credit report still includes fraudulent items from which I never benefited. Despite reporting these issues to the Federal Trade Commission, they have yet to be removed from my report.
Consumer complaint received 2024-10-28
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. (GA)

This is my third formal request to remove inaccurate and false information from my credit report. The Account is XXXX XXXX, account number XXXX Date opened XXXX Balance {$11000.00} which has been charged off and written off. XXXX keeps updating the balance after failing to respond to fraudulent chargers on the account. They constantly gave me the run around and wouldnt connect me to a supervisor to handle this problem. Despite my previous attempts, the inaccurate information remains, the credit bureaus have failed to respond and according to 15 U.S. Code 1681 ( e ), 15 U.S. Code 1681 ( i ) HJR 192 REMED, 1099C & 1099A, FCRA Section 611 Part ( AX1 ) FCRA Section 605 ( c ), 15 U.S. Code 1635, 15 U.S. Code 1692 is a direct violation of my rights. The continued reporting of inaccurate dates, failure to respond, reporting without consent is false information, especially the misuse of my personal information, is not only unlawful but also damaging. Theres multiple reasons this account needs to be removed not to mention if its a write off Ive never received a 1099 from. You are required by law to ensure the accuracy of all information reported, and failure to correct these inaccuracies after repeated notification is a violation of federal consumer protection laws. Closed dates and balances are inaccurate on all 3 credit bureaus. None of them are correct which is also a violation. I request this false report to be removed from my XXXX, TransUnion and XXXX report. Thank you in advance
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX