davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX Balance : XXXXXXXX XXXX XXXX Balance : XXXX XXXXXXXX Balance : XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX. XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-05-27
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. (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 that I have the right to privacy. 15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 15 U.S.C. 1681 c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX, XXXX XXXX Balance {$880.00} US DEPT ED XXXX Balance {$1200.00} US DEPT ED XXXX Balance {$1200.00} US DEPT ED XXXX Balance {$2000.00} US DEPT ED XXXX Balance {$2100.00} US DEPT ED XXXX Balance {$1900.00}
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Recently, I reviewed my credit report and discovered several inaccuracies.

Under 15 U.S. Code 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy in their reports.

According to 15 U.S. Code 1681i ( 5 ), if a reinvestigation reveals that disputed information is inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify the item and notify the furnisher of the changes.
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXXXXXX XXXX XXXXXXXX Balance {$19000.00} XXXX XXXX Balance {$2900.00} XXXX XXXXXXXX XXXX {$5800.00} DPT EDXXXX XXXX Balance {$0.00} 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-05-27
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. (GA)

YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance : {$5800.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$140.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$460.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX Balance : {$230.00} XXXX XXXX XXXX Balance : {$40.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-05-27
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. (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. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy. 15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 15 U.S.C. 1681 c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

PLEASE BLOCKED AND REMOVED Kindly expunge these fraudulent accounts from my credit report, as they are not mine and were unknown to me. Per USC 1681g, I request their deletion within 15 days. Enclosed are supporting documents.
Consumer complaint received 2022-11-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (DE)

On XX/XX/2022 I used my debit card to purchase a vacation package/hotel stay. A hour after making the transaction I decided to cancel the reservation. The transaction was still pending at this point and I was sent a cancellation receipt by XXXX. On the XXXX of XXXX the transaction came out of pending status and was debited from my account. I contacted XXXX to see why the money was taken from my account and they told me that the refund had been issued. After not receiving my money in a week I called them back and was told that they issued a refund and to contact my financial institution to see what the issue was. I contacted cash app and was told that there was no refund issues by XXXX and to provide documentation of the refund which I did. They suggested a file a dispute and told me that it could take up to XXXX  days. During that week I contacted both XXXX and cash app several times at which they were both blaming one another. XXXX was saying they issued the refund and cash app was saying there was no refund in their system. XXXX was able to send me the refund request which I forwarded to cash app along with the communication between me and XXXX stating that I was being refunded. My dispute was denied, I still havent received my money and cash app is given me the run around and leads me to believe they are trying to steal my money.
Consumer complaint received 2024-05-24
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. (GA)

I am writing to file a formal complaint against Equifax regarding their failure to address multiple dispute letters I have submitted concerning inaccuracies in my credit report. Despite my repeated attempts to resolve these issues directly with Equifax, they have consistently ignored my correspondence and failed to correct the errors in my credit report. Details of the Dispute : XXXXXXXX XXXX : Account number : XXXX, There shouldnt be any late payments after close date? Its not possible to be late on a closed account! Delete this account for inaccuracy. 

XXXX XXXX : Account number : XXXX, There shouldnt be any late payments after close date? Its not possible to be late on a closed account! Delete this account for inaccuracy. 

XXXX : Account number : XXXX, Account description doesnt relay correct data to help identify and establish ownership of the account. Please validate this unverifiable account. 

XXXX : Account number : XXXX, I need to see all paperwork and contracts with my signature that would verify ownership. If you do not have this paperwork, you need to remove the account immediately. 

XXXXXXXX XXXX : Account number : XXXX, I was never late on this account. Update this account for inaccuracy. 

XXXX XXXX  Account number : XXXX, Each bureau reports that I was late on a different date remove from inaccuracy. 

As you investigate these items. I also would like my personal information to be updated. Please remove the incorrect spellings of my name from my report. The only spelling of my name should be XXXX XXXX. I also want to remove all addresses associated with my credit report that are not XXXX XXXX XXXX XXXX XXXX, GA XXXX. As you guys request with this dispute. I have proof that my name is spelled XXXX XXXX and have attached my ID in order to replace the information on my credit report and remove the inaccurate spellings of my name. I've provided proof that my address is XXXX XXXX XXXX XXXX XXXX, GA XXXX. I have attached proof of that as well. My address has been the same for the past 10 years and I would like any other outdated incorrect address to be removed. I understand that this information should be addressed easily according to the FCRA reporting standards.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have disputed this company regarding a fraudulent account, starting on XXXX, and after the investigations on XXXX I had results from all 3 bureaus resulting in removal from my credit file. On XXXX This company added it again, I contacted all 3 bureaus and disputed it again, after the 2nd investigation I received the results on XXXX it was removed again on all 3 bureaus. On XXXX XXXX XXXX added it again and for the 3rd time they maliciously put a negative mark on my file. I have never had a XXXX  XXXX account, when I contacted their fraud department I was denied access to the department that has this claim. and was told there is nothing that could be done, I have all the necessary documents on file with the bureau 's FTC report etc, at XXXX XXXX I spoke with XXXX ID # XXXX  XXXX a Manager in fraud and dispute. it has been over 90 days and investigations by all XXXX bureaus. I am making this complaint to have on Record beyond the credit bureaus, XXXX  XXXX IS MALISHOUSLY DOING THIS BECAUSE I WENT TO THE XXXX  REGARDING THEM. THE LAW SAYS THEY HAVE 30 DAYS IT HAS BEEN XXXX AND 3 INVESTIGATIONS AND XXXX XXXX HAS NEVER PRODUCED ANY INFORMATION TO JUSTIFY THIS.
Consumer complaint received 2023-11-14
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. (CA)

A collection added in is directly affecting my finances. It is unethical, incorrect, and not being reported. This account should not be on my credit. 

XXXX and XXXX : Account number XXXX. MUST BE REMOVED NOW EXPERIAN : XXXX account number has never been late. This late payment MUST BE REMOVED FROM Experian immediately. 

I disputed XXXX XXXX  on XX/XX/2023 as well.
Consumer complaint received 2024-05-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have disputed this company regarding a fraudulent account, starting on XXXX, and after the investigations on XXXX I had results from all XXXX bureaus resulting in removal from my credit file. On XXXX This company added it again, I contacted all 3 bureaus and disputed it again, after the 2nd investigation I received the results on XXXX it was removed again on all 3 bureaus. On XXXX capital one added it again and for the 3rd time they maliciously put a negative mark on my file. I have never had a capital one account, when I contacted their fraud department I was denied access to the department that has this claim. and was told there is nothing that could be done, I have all the necessary documents on file with the bureau 's FTC report etc, at capital one I spoke with XXXX ID XXXX XXXX XXXXXXXX a Manager in fraud and dispute. it has been over 90 days and investigations by all 3 bureaus. I am making this complaint to have on Record beyond the credit bureaus, CAPITAL ONE IS MALISHOUSLY DOING THIS BECAUSE I WENT TO THE XXXX REGARDING THEM. THE LAW SAYS THEY HAVE 30 DAYS IT HAS BEEN XXXX AND XXXX INVESTIGATIONS AND CAPITAL ONE HAS NEVER PRODUCED ANY INFORMATION TO JUSTIFY THIS.
Consumer complaint received 2022-11-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Block, Inc. (TX)

I received an email from cash app about my account being a business account and if i recieved XXXX or more i'd get a tax form. I do not or have never owned a business. I spoke to their chat advocate and was told I converted my account on XX/XX/2022 and they have been collecting a 2.75 % fee on all my transfers. I never accepted this change nor was aware until I received an email about changes to the tax code and about maybe receiving a tax form if received XXXX or more. This would affect my taxes and I was not aware about any of this till now. This is an unfair tactic they used to collect fees.
Consumer complaint received 2024-06-23
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. (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. In addition I DID NOT receive the required opt-out notice at the time I created the accounts that Im reporting which is a violation of 15 USC 6802 of the Fair Credit Reporting act. 

XXXX XXXX : ACCT # XXXXXXXX XXXX : ACCT # XXXX XXXX : ACCT # XXXXXXXX XXXX : ACCT # XXXX XXXX : ACCT # XXXX XXXX XXXX  : ACCT # XXXX XXXX : ACCT # XXXXXXXX XXXX : ACCT # XXXX XXXX XXXX : ACCT # XXXXXXXX XXXX XXXX XXXXXXXX : ACCT # XXXX 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.

15 U.S.C 6802 ( a ) Notice Requirements states. Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a non-affiliated third-party any, non-public personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I am a victim of Identity Theft and inaccurate and incomplete information being reported by EQUIFAX INC After reviewing my credit report I noticed inaccuracies and incomplete information reported by XXXX XXXX XXXX XXXX XXXX off Acct XXXX credit and Charge off Acct XXXX Auto is inaccurate information 15 U.S.C 1681 ( 2 ) ( i ) ( a ) states that a consumer report does not include information solely as the transaction or experiences payment history charge off between the person and the fraudulent account held with XXXX XXXX XXXX XXXX. This is Identity Theft and fraudulent deceptive Credit practice by XXXX XXXX XXXX XXXX. XXXX XXXX does not have my consent to furnish inaccurate information CHARGE OFF accounts, this is identity theft whether it be, nonverbal, written implied or otherwise is revoked. 15 U.S.C 6802 ( a ) ( c ) ( e ) ( 8 ) states that a financial institution may not disclose nonpublic information to nonaffiliates XXXX parties unless consumer is given nondisclosure option. 

1. DISPUTE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank of America has closed my account over {$10.00} I received via XXXX from the person I know. Receipment day was XX/XX/2023 XXXXXXXX XXXX When I contacted to this person ( owner of XXXX XXXX ) he said he was traveling in XXXX and his phone got stolen. The people who stole his phone they hacked his bank account and took his money out via XXXX to themselves and at the same time to cover themselves they sent out XXXX $ transactions to people on his XXXX list XXXX Bank of America deducted that {$10.00} from my account and closed my account at the same time they left fraud alert on my report now Im not able to get an account with any other bank in the community,
Consumer complaint received 2024-05-24
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. (TX)

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 : Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account XXXX : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXXXXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX  XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX U.S.C XXXX section XXXX A. XXXX 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 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.