davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-20
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. (HI)

I have a few questions : how do you complete your investigation? One more thing : I was reading the FCRA and noticed you violated these laws as well : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681a. ( e ) 15 USC 1681b. ( a ) ( 2 ) 15 USC 1681i. ( 5 ) ( A ) ( I ) I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account Name : XXXX XXXX Delaware Account Number : XXXX Delete this account immediately unless you want to pay {$1000.00} per violation. 
Account Name : XXXX XXXX XXXX Account Number : XXXX Delete this account immediately unless you want to pay {$1000.00} per violation. 
Account Name : XXXX XXXX XXXX Account Number : XXXX Delete this account immediately unless you want to pay {$1000.00} per violation. 
Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Delete this account immediately unless you want to pay {$1000.00} per violation. 
Account Name : XXXX XXXX Account Number : XXXX Delete this account immediately unless you want to pay {$1000.00} per violation. 
Account Name : XXXX XXXX Account Number : XXXX Delete this account immediately unless you want to pay {$1000.00} per violation.
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. (GA)

In accordance with the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told/informed Experian, XXXX, and XXXX to reinvestigate and or remove these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In addition to, the Credit Agencies stated everything was complete, accurate, and all the fraudulent items will be removed and or blocked in the 4 business days allowed with the law & in accordance to Consumer Law ( FCRA ) 15 U.S.C 605B & 15 U.S.C 1681 ; But the open date, date of last activity and much more is incorrect & fraudulent with these accounts on my Credit Bureau. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

In conclusion, I would like to use the following Consumer Laws ( FCRA ) to my benefit in regards to my situation of Identity Theft and fraudulent, inaccurate & unauthorized items on my Credit Profile. The selected laws are as follows : 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 1692c, 15 U.S.C 1601, 15 U.S.C 605B, 15 U.S.C 1681a-2, & 15 U.S.C 1681n.
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. (NJ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I sent a letter on XX/XX/2024 to remove the items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any account or information not later than XXXX business days. Ive already included this in my previous Complaint # & I am including it again., XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00}
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. (PA)

Upon reviewing my credit report, I found erroneous information. The XXXX and TransUnion credit bureaus are required to validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is unauthorized to leave this reporting account as unverified information without providing proof within the legally allowed period. The following account needs to be investigated and corrected due to erroneous reporting in my file : XXXX XXXX XXXX  Balance Owed : {$260000.00}.
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. 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 2024-05-24
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. (FL)

I am writing to request a notarized statement on your letterhead confirming compliance with the Fair Credit Billing Act ( FCBA ) regarding my account during the period of my association with your company. 

As you are aware, the FCBA mandates accurate billing, timely provision of statements to the correct address, acknowledgment of address change requests, appropriate handling of disputed charges, and the prompt and lawful provision of requested account information. 

In accordance with these requirements, I kindly request that you provide a notarized statement affirming your company 's compliance with the FCBA in general and specifically regarding my account
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. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation. 
I request a thorough investigation into all inaccuracies present on my credit report. These inaccuracies include erroneous account information, inaccurate payment histories, and incorrect personal details. Furthermore, I ask that you take appropriate action to delete or correct these inaccuracies promptly.
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. (PR)

In accordance with the Fair Credit Reporting actXXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right toprivacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states aconsumer reporting agency can not furnish a accountwithout my written instructions
Consumer complaint received 2023-10-21
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)

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! XXXX XXXX XXXX XXXX XXXX {$700.00} XXXXXXXX XXXX XXXX XXXX XXXX {$820.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
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. (NC)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. 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 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Subject : Notice of Intent to Pursue Legal Action for Misreporting First Date of Delinquency XXXX XXXX 
XXXX XXXX has documented history about reporting untrustworthy information on credit reports .I have stated numerous time this account was delinquent on XX/XX/year> with the original creditor. 
XXXX XXXX is lying and being untruthful about the first date of delinquency. 
I am writing to express my grave concern regarding the misreporting of the first date of delinquency for the debt in question. It has become apparent that the information provided by your agency is inaccurate and potentially harmful to my credit standing. 

I must emphasize the seriousness of this matter. Misreporting the first date of delinquency is not only a violation of the Fair Credit Reporting Act ( FCRA ) but also constitutes an intentional misrepresentation of facts. This has the potential to negatively impact my creditworthiness and financial well-being. 

I hereby demand that your agency rectify this situation immediately by providing accurate information to the credit reporting agencies. Failure to do so will leave me with no choice but to pursue legal action against your agency for deliberately misleading reporting practices. 

Please be advised that I am prepared to take all necessary steps to protect my rights under the FCRA and seek appropriate remedies for any damages incurred as a result of your agency 's actions. This may include but is not limited to, initiating a lawsuit against your agency for willful violations of federal law. 

I strongly urge your agency to take this matter seriously and take immediate corrective action. I expect to receive confirmation of the accurate reporting of the first date of delinquency within specify a reasonable thirty days from the date of this letter. 

Should you fail to comply with this demand, I will have no choice but to pursue legal recourse without further notice. Your prompt attention to this matter is appreciated. 

Sincerely, XXXX XXXX
Consumer complaint received 2017-07-21
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: NATIONSTAR MORTGAGE LLC (NY)

Thank you for fielding my previous complaint against XXXX, XXXX XXXX XXXX and their attorneys, XXXX XXXX XXXX XXXX XXXX. The bank, in addition to the attached and incorporated response to your office, sent the change in address to XXXX XXXX XXXX address in New Jersey, and to the attention of the special unit, as addressed on the copy I have provided, also attached and incorporated as my proposed updated complaint. In the alternative, please consider this correspondence as a new complaint against the parties contained in the correspondence, additionally attached and incorporated. I had not heard from the bank or their attorneys after receiving their responses from your office. In XX/XX/XXXX, I received the attached and incorporated post card notice, under envelope return addressed at XXXX XXXX XXXX XXXX XXXX address. Then in XXXX I received the attached Validation Notice from XXXX XXXX XXXX Attorney XXXX XXXX, XXXX, on behalf of NATIONSTAR MORTGAGE and post marked XX/XX/XXXX. I responded to the letter by sending a written request for substantiation/qualified written request on XX/XX/XXXX. The Notice of Auction letter was sentXX/XX/XXXX and I responded with the Notice of Grievance and Error, all attached and incorporated by reference. It is my position that the documentation mentioned above is evidence of knowing and egregious violations of Federal and New York State Debt Collection Procedure, RESPA and TILA, and contains false and misleading statements, simulations of legal or judicial process and sanctionable ethical and professional misconduct. I hope that your office can assist or mediate in interrupting their wrongful actions.
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

FCRA 605B stipulates that any incorrect accounts must be taken off my credit report. This account is wrongly reported, so please remove it. I am entitled to {$1000.00} for every inaccuracy on my credit file.
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: EQUIFAX, INC. (CA)

I am writing to bring specific inconsistencies in my credit report to your attention, specifically pertaining to billing errors as outlined in 15 U.S. Code 1666 ( b ) under the billing error category : ( 4 ) The creditor 's failure to accurately reflect a payment made by the obligor or a credit issued to the obligor on a statement.

( 5 ) A computation error or similar accounting error made by the creditor on a statement.

It is my knowledge that the creditor failed to furnish me with a statement 21 days prior, which ought to render any ramifications of late payments regarding the linked accounts. I am in pursuit of concrete evidence from the creditor 's bank records that will support the assertion that I failed to make a payment, resulting in an erroneous designation as late-a sign of an invoicing error-therefore. 
I humbly request that the subsequent entries be promptly updated on my consumer report to reflect their current status as follows : " paid as agreed '' : for account XXXX account number XXXX Date : XX/XX/year>, XXXX account number XXXX Date : XX/XX/year>
Consumer complaint received 2022-11-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (NY)

i am having a dispute with Cash App, this company allowed a fraudulent bank account to be added to my cash app account which allowed a unknown individual to gain access to funds that were deposit in my account.I informed them of this fraudulent account providing them with proof that I for one never received the monies in the correct account and that account does not belong to me. They Claimed they did a thorough investigation and the funds were authorized by me or another party. I submitted proof to them that i only do business with one bank and provided them with numerous transaction coming from this one particular account. And that fraudulent account isnt me because i have never did any business with this bank and I am not aware of this account and I also ask them to provide me with legal documentation that I am a authorized user on this fraudulent account. which they have not provided as of yet and keep denying my claim for my money to be refunded and they need to report this fraudulent account to the proper authorities, when it they clearly states they can provide me with the information.I had to remove the fraudulent account from my cash app account. Their customer service dept have done nothing to assist me in returning the fund into the correct account belonging to me after many request to do so. please assist me in handling this matter..
Consumer complaint received 2022-11-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (RI)

My cash app account was closed as of today Wednesday, XX/XX/2022 I noticed my cash app account was closed when I tried to send my son {$15.00} for gas to get home I immediately contacted cash app support via chat and ask why is my account closed? The cash app bought stated due to adult activity. My uncle that is currently living in California sent me money for me and my mom to go on a spa date on my vacation. My uncle has a language barrier and understood what and why I Who wants it the money for because in our country we dont have day spas. With that being said that would be the transaction that cash app falsely accused me of and came to the conclusion of adult activities. although theres no consistent activities associated with that specific transaction that would determine adult activities.I asked the cash bot What specific transaction or activities was indicated In my account being adult manner nothing was said further or no evidence was Shown indicating why this action was made on my account. No investigation was even started until I reached out to the support team.it was super inconvenient to both me and my son seeing that this is more of the reason why we use cash app.
Consumer complaint received 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-11-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (AZ)

hope this letter has correctly found itself within your complaints/fraud department as it is essential to me that yo become aware of the ordeal I have had to go through. 
Commencing on or around XX/XX/2022, I fell victim to a multilayered scam operation orchestrated by XXXX  Trading Marketing ( the " Fraudsters '' or the " Company '' ), with the design, development, manufacturing, promoting, marketing, distributing, labeling, and/or sale of illegal and outright fraudulent " investment services '', all of which aim at contributing to the goal of robbing and defrauding clients through a predetermined cycle of client losses to gains. 
It should be noted that the companv is a client of vours, owner of wallet : XXXX XXXX The scammers were committing financial crimes right under your nose, which involve, among other things, stealing and laundering large sums of money on a regular basis. Money was transferred from my wallet in the total amount of XXXX XXXX utilizing your services and under your authorization