davidheineman/consumer-finance-complaints-large huggingface dataset:
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: EQUIFAX, INC. (TX)

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX  XXXX XXXX
Consumer complaint received 2024-05-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (MN)

My information was sold and bought illegally because I was a victim of the Equifax Data Breach. I want the items listed in my attachments deleted from my credit reports effective immediatley. I will also be attaching proof of Equifax admitted that I was in fact a victim of this Data Breach and Equifax has done nothing but lower my scores and hurt my ability to obtain credit by consistently reporting false information. Please helpl me delete these illegal accounts from my consumer report.I will also attach the recent FTC REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-27
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: EQUIFAX, INC. (AL)

I've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX XXXX Balance : {$8500.00} XXXX XXXX  XXXX Balance : {$10000.00} XXXX XXXX XX/XX/2024
Consumer complaint received 2023-11-14
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: Experian Information Solutions Inc. (OH)

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.
Consumer complaint received 2024-05-25
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. (IN)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (PA)

Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Request to Remove Unauthorized Hard Inquiry from My Credit Report I am writing to formally request the removal of an unauthorized hard inquiry from my credit report. Upon reviewing my credit report from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not apply for credit or give permission for this hard inquiry. Therefore, I believe this inquiry was made in error or as a result of potential identity theft. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting the removal of this hard inquiry from my credit report to prevent any negative impact on my credit score. Please find attached copies of the following documents to support my claim : 1. A copy of my credit report highlighting the unauthorized hard inquiry.

2. A copy of my government-issued ID ( driver 's license/passport ) for verification purposes.

3. A copy of a recent utility bill to confirm my current address. 

I kindly ask that you investigate this matter promptly and remove the unauthorized hard inquiry from my credit report. Please confirm in writing once the correction has been made. If you require any additional information, please do not hesitate to contact me at [ XXXX XXXX XXXX XXXX XXXX XXXX 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc. (MS)

On XX/XX/2022 I got a fraudulent charge from horoscope girls for {$39.00} on XX/XX/XXXX. I reported it to cash app which was where the transaction happened. They sent me an email inform me that they did receive my dispute and would be working on it and then I called him about a 2 week later and asked him in regards to a provisional credit from them due to the fact that I had received an email on XX/XX/XXXX and the 20this when investigating what is complete, and that my provisional credit was permanent stating however, when I went to go look at my transaction history and my statement for the month of XXXX, I saw no transaction for {$39.00}. I sent them screenshots of my statement and I said the screenshot of my transaction history and I got several different responses. XXXX was they had already saw the transaction give it to me on XXXX XXXX XXXX was that they sought on XXXX XXXX then XXXX told me to file a police report and then another one told me that there was nothing else they could do and then the last ones on the chat Service informed me that I need to go and try to download the transaction list and the statements and look at that every transaction should be documented on my account to use The thing I was wanting to know is, where was the provisional credit said no TRANSACTION ITSELF shown on my transaction history or my bank statement for the month of XXXX. Neither XXXX of them show any kind of refund for {$39.00} refunded me the money for {$39.00}. They informed me that before it became permanent I spent the money every transaction unless it didnt go through HAS TO BE DOCUMENTED I understand it can take up to 45 days for them to investigate it but see that I got an email saying that they went through the investigation and verify that I got my provisional credit and that it was permanent. Where is the transaction no refund transaction listed they anywhereboth of them saying the same thing with XXXX different dates and I dont see anything on my statement nor on my transaction history I want my money and pain and suffering for stressing me out and taking up XXXX of my day trying to find out where this transaction is visually located and I have a XXXXXXXX XXXX so I do not have time to be sitting here chatting with them. They need to get a phone support system that works I called the number they have, and they were no better about providing me information. And before they even say anything, XXXX is the name, I use on cash app to protect my privacy. I feel like I should have press charges against him for fraud and theft but Id be pretty petty of me by submitting a police report for {$39.00} seeing that they told me I should.
Consumer complaint received 2022-11-30
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: Block, Inc. (TX)

Starting XXXX weeks ago my account has been locked up with cash app. I've sent pics I'd. This issue been going on for going on XXXX weeks. Cash app has all my information and still won't unlock my account. I've provided you everything I provided cash app.i want my account unlocked to release my funds. I have a sick daughter and I can't get the money
Consumer complaint received 2024-05-27
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. (PA)

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Request to Remove Unauthorized Hard Inquiry from My Credit Report I am writing to formally request the removal of an unauthorized hard inquiry from my credit report. Upon reviewing my credit report from XXXX XXXX XXXX XXXX XXXX I noticed a hard inquiry that I did not authorize. The details of the inquiry are as follows : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not apply for credit or give permission for this hard inquiry. Therefore, I believe this inquiry was made in error or as a result of potential identity theft. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting the removal of this hard inquiry from my credit report to prevent any negative impact on my credit score. Please find attached copies of the following documents to support my claim : 1. A copy of my credit report highlighting the unauthorized hard inquiry.

2. A copy of my government-issued ID ( driver 's license/passport ) for verification purposes.

3. A copy of a recent utility bill to confirm my current address. 

I kindly ask that you investigate this matter promptly and remove the unauthorized hard inquiry from my credit report. Please confirm in writing once the correction has been made. If you require any additional information, please do not hesitate to contact me at [ XXXX XXXX XXXX XXXX XXXX XXXX 

Thank you for your prompt attention to this matter. 

Sincerely, [ XXXX XXXX XXXX
Consumer complaint received 2022-12-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (IL)

XXXX XXXX XXXX XXXX Veteran XXXX XXXX XXXX, XXXX XXXX XXXX IL XXXX Reference XXXX Subject : Unauthorized transactions in the about of {$200.00} and {$100.00} within XXXX minutes apart of each other. 

Important note : If you need me to file a police report I can do that. I would like to press charges against the person with $ XXXX low down XXXX ( $ XXXX ). How can the XXXX Police get in contact with you to obtain more information so they can located/charge this person as an accessory to a crime. 

Question XXXX XXXX XXXX | $ XXXX | XXXX | XXXX Question XXXX {$200.00} to low down XXXX ( $ XXXX ) on Wednesday, XX/XX/XXXX at XXXX | {$100.00} to Low Down XXXX ( $ XXXX ) on Wednesday, XX/XX/XXXX at XXXX Question XXXX I do not know this person called low down XXXX ( $ XXXX ), nor is this person in my contacts. I did not authorize this, and it was down with out my knowledge and consent. If you look at my history over for the year 2022 you see that I only send money to people, I have listed in my contacts. I will file a complaint with the Consumer Financial Protection Bureau about this. Also, I you would like me to file a police report about this issue I have no problem doing this. 
I just want and need my money back ASAP as it is XXXX and I have to buy food and things for my kids. 
Question XXXX No Question XXXX XXXX XXXX XXXX Stylus Question XXXX XXXX, Illinois Question 7 No, I did not. 
Question 8 I do not think I had setup. I was not aware that I could setup a pin for performing transactions. I will definitely be setting this up ASAP. 
Question 9 & 10 Yes, I have possession of my device but a so called associate had used my phone when I closed with out my knowledge and permission to steal money by sending it to someone they know. 
I do not know this person called low down XXXX ( $ XXXX ), nor is this person in my contacts. I did not authorize this, and it was down without my knowledge and consent. If you look at my history over for the year 2022 you see that I only send money to people, I have listed in my contacts. I will file a complaint with the Consumer Financial Protection Bureau about this. Also, I you would like me to file a police report about this issue I have no problem doing this. 


Important Note : I am an XXXX XXXX Veteran I have no reason to lie about this. I just want and need my money back ASAP as it is XXXX and I have to buy food and things for my kids. 


Respectfully, XXXX XXXX
Consumer complaint received 2024-05-03
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. (NC)

I believe FCRA XXXX mandates the removal of any inaccurate accounts from my credit report. Can you please verify the documents? Some accounts listed have inaccuracies in reporting, including incorrect amounts and dates.
Consumer complaint received 2022-12-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (TX)

On XX/XX/2022 {$990.00} was sent to an unauthorized user named XXXX XXXX. I was hacked and my money was stolen. My aunt sent me {$25.00} and instead of it being deposited to my bank it would go towards paying for the negative balance I have over an unauthorized transaction. I filed a police report at the XXXX XXXX and have the case # but hasnt begun because cashapp told me to in order to begin an investigation and havent heard of it for over 3 months now. This fraud happened in XXXX of 2022 and we are now in XX/XX/2022. My legal name was changed to XXXX XXXX and Im unable to speak to Cash-app representatives over the phone for security purposes. Reached out several times to cash-app support chat and still havent received a response. This ongoing investigation was supposed to be resolved by now and havent received a resolution. My privacy rights have been violated and my identity has been misused or mistolen by a different name that is not me!
Consumer complaint received 2022-12-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (TX)

I am the XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. Our company owns the trademark for XXXX XXXX as well as for its logos and other details. Cash App, owned by Square Inc, allowed a non-sactined person to setup a cashtag of XXXX XXXXXXXX while allowing our trademarked logo to be used. It is unaccaptable that it is this easy for anyone to use our companies likeness to open an account and steal money from our customers. This hurts the customer and erodes faith on our brand.
Consumer complaint received 2023-11-14
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: Experian Information Solutions Inc. (KY)

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.
Consumer complaint received 2024-06-06
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. (NY)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
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. (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 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-27
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. (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 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-02
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. (TX)

This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off my credit report.
Consumer complaint received 2024-07-05
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)

The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations
Consumer complaint received 2022-11-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (IL)

Immediately after noticing fraudulent charges on my cash card covered by FDIC and regulation e Laws, I reported my card lost or stolen and filed disputes with Square Inc. both were denied within XXXX day and I filed a XXXX claim for that too be denied too even with the clear evidence I provided from the merchant and police report. Also breaking FDIC banking laws I asked for documents and never were provided XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Block, Inc. (TX)

We were on vacation in XXXX and someone got my cash app card info. My card was ran 17 times for over XXXX dollars in less than 2 minutes at a XXXX in XXXX New York. They stole {$7900.00} out of my cash app account. Cash App denied the claim and customer service refuses to help me when I call.
Consumer complaint received 2024-05-25
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. (MI)

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 168. 

XXXX  # XXXX, XXXX XXXX  XXXX # XXXX, XXXX XXXX  # XXXX, # XXXX, XXXX XXXX  # XXXX, XXXX  # XXXX. Have 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer reporting 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.