davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Block, Inc. (WA)

Today, XX/XX/2021, I received a cashapp card and a XXXX card in the mail. I attempted to contact both customer support lines, however, both required an app download and to sign into an account. Which I do not want to sign in to.
Consumer complaint received 2023-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I just received my reinvestigation back from Equifax Information Services LLC. They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681 ( 7 ). Because the list of accounts below are not accurate. The high balance, last verified, date reported, date of last activity, date opened, closed date, and date of last payment is NOT 100 % accurate. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They did not modify 100 % or delete the inaccurate information on my consumer report according to 15 USC 1681 ( 5 ) ( A ) ( i ). I attached a consumer report as evidence.
Consumer complaint received 2021-02-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc. (NY)

I made a bitcoin purchase XX/XX/2021, from Cashapp. I tried to to withdraw those funds that same day as advised by my investment broker but have been prevented from doing so despite repeated attempts. Cashapp closed my account arbitrarily on XX/XX/2021. The only responses I have received from Cashapp are standard directions to access my funds, but none of those steps work. I simply want to withdraw my funds but Cashapp won't allow this.
Consumer complaint received 2024-07-18
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (FL)

I've sent Two letters to Experian requesting verification that this paid collection for XXXX XXXX {$0.00} - - -No Data belongs to me with written proof and verification. 
First letter was sent on XX/XX/year> and the 2nd letter was sent on XX/XX/year>. They have failed to send me proof and or failed to delete it off my report.
Consumer complaint received 2023-12-13
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. (PR)

I have been writing and calling TransUnion for many months that there is an account reported on my credit that I do not recognize. 

This account is a bankruptcy and I have requested that the account be removed from credit. 

At the moment the account persists and this credit agency that is supposed to send me results. I have never received anything from them regarding the efforts they have made regarding my credit. 

The Account Name is : XXXX XXXX Account Number XXXX
Consumer complaint received 2023-06-14
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

On XX/XX/XXXX we spoke with cabelas capital one in regards to my husband recently being in an accident and unable to work. Capital one stated on the phone that we would have 3 months interest free and late payment fee free. They continued to charge over {$130.00} of interest each month. We finally paid the card off with our taxes because we couldnt afford the payment with one income. On XX/XX/XXXX we paid our capital one ( Cabelas ) credit card off. We checked our account to make sure it was completley paid off and XX/XX/XXXX they charged us with interest again even though the card was paid off. We spoke with capital one today and they stated that they understood our frustration but we were told we are still responsible with that interest.
Consumer complaint received 2024-05-03
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. (NY)

I am writing to request the removal of the following information from my credit report, which has resulted from identity theft. The items I need to be deleted are detailed in the accompanying report. 
As a victim of identity theft, I did not authorize nor make the charges in question. I ask that the items be deleted to correct my credit report. 
I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit for your reference. Please remove items promptly.
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Spring Oaks Capital, LLC (PR)

My previous letters highlight your many violations of my consumer report under several consumer laws. Your recent response displays your company Spring Oaks Capital as a habitual and arrogant violator of law as you admit that Spring Oaks Capital perseus Conclusive presumption of worthless debt once it has been declared a Write off or Charge off under Tax Law 13-35 section 1.166-2 ( d ) ( 1 ) ( 3 ) and Section 2.166 ( a ) ( 1 ) ( 2 ) .Your company Spring Oaks Capital has violated my rights as a taxpayer by not providing me with a 1099-C to report income to the IRS under the Taxpayer Bill of Rights and Federal tax law Internal Revenue Codes of 1986 ( IRC ) .The Consumer laws are as follows 15 U.S.C. 1681a ( 2 ) ( a ) ( i ) Definitions and rules of construction, 15 US CODE 6802 ( a ) ( b ) ( 1 ) ( a ) ( b ) ( c ) Obligations with respect to disclosures of personal information, 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ].
Consumer complaint received 2018-09-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BBVA FINANCIAL CORPORATION (CA)

After being approved for a credit card through BBVA for {$6000.00} i set up automatic payments through my credit union. 

A payment was scheduled to be paid on the XX/XX/XXXX. This payment was rejected. I then tried to pay the balance of the card on the XX/XX/XXXX and it was rejected again.

I had set up the automatic payments prior to the date necessary to have the payment made, and because the system did not make the payment for its own reasons, my credit limit was reduced from {$6000.00} to {$1000.00}. With an outstanding balance of {$800.00} the usage of the card went from 6 % to over 90 %, affecting my credit rating. 

Since calling BBVA 4 times now and being put on hold for 45 min plus, I have had no assistance in getting the account paid and still not been able to bring the account up to date.
Consumer complaint received 2024-05-04
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)

It's my understanding that FCRA 605B obliges us to eliminate any incorrect accounts from my credit report. Could you please verify the documents? Some of the listed accounts are inaccurate in terms of their reporting, with incorrect amounts and dates.
Consumer complaint received 2023-12-12
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. (PR)

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

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A States I have the right to privacy.

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any adverse item of information, other than records of convictions of crimes with antedates the report by more than seven years.

15 USC 1681 s-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 2023-06-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OZK (FL)

On or about XX/XX/2023 I closed my checking account with XXXX XXXX  in XXXX XXXX, Florida. I zeroed out the account balance with a teller at their XXXX XXXX XXXX location and surrendered my debit card to be destroyed. My account was closed per the teller 's confirmation. I have since received overdraft fees for charges to the account, and have been informed that the account will remain open until I pay the sum of {$100.00} to the bank. I left XXXX XXXX due to their predatory overdraft fee structure, and now they are insisting that I pay back funds which I did not authorize as they were billed to a closed account.
Consumer complaint received 2023-12-12
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. (PR)

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

XXXXXXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, CP XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, 15 USC 1681 section 602 A States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any adverse item of information, other than records of convictions of crimes with antedates the report by more than seven years.

15 USC 1681 s-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 2023-12-12
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. (PR)

PUBLIC RECORD # XXXX XXXX NOT MINE, DELETE FROM MY CREDIT This letter is a formal complaint that you are reporting inaccurate credit information on my credit report. The above referenced accounts is not mine the public record shows other name address and social security. The incorrect listings are lowering my XXXX XXXX unnecessarily, and it is also preventing me from purchasing a home.
Consumer complaint received 2023-12-12
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. (PR)

PUBLIC RECORD # XXXX XXXX NOT MINE, DELETE FROM MY CREDIT This letter is a formal complaint that you are reporting inaccurate credit information on my credit report. The above referenced accounts is not mine the public record shows other name address and social security. The incorrect listings are lowering my credit score unnecessarily, and it is also preventing me from purchasing a home.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 2021-04-15
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Block, Inc. (CA)

I have received four cash.app prepaid debit cards in the mail this week with my name on them. I have contacted the company and they refuse to assist me with closing the accounts because I do not know the log in information.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (NY)

I want to file a complaint to DISCOVER BANK. I found inaccurate information in my credit report. I tried to fix the issue by sending them several letters through the mail ; however, I was not satisfied with the results. The account was not verified. Inaccurate information, such as Payment status, payment history, date opened, and status are still being reported. My rights were violated. According to 15 U.S.C. Section 602, I have the right to privacy, and 15 U.S.C. Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-04-11
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. (TN)

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  Account XXXX Account Name : XXXXXXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX. XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 2023-12-06
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. (GU)

I hope this letter finds you well. I am writing to bring to your attention an issue regarding my credit report in light of the XXXX data breach. I have recently become aware of unauthorized access to my personal information, and I believe it has led to negative accounts on my credit report without my consent. 

I understand that the Fair Credit Reporting Act ( FCRA ) grants me the right to dispute and rectify inaccuracies on my credit report. In accordance with this, I kindly request your assistance in investigating and, if found to be a result of the XXXX data breach, removing all negative accounts, charge-offs, and inquiries that have been reported without my permission. 

I have taken the necessary steps to secure my information and monitor my financial accounts more closely. However, the impact of these unauthorized accounts on my credit history has been a cause of concern. Your intervention in this matter would greatly help in restoring the accuracy and integrity of my credit report. 

Enclosed with this letter, please find supporting documentation related to the XXXX data breach and any additional information that might assist in your investigation. I appreciate your prompt attention to this matter and your assistance in resolving this issue. 

Thank you for your time and consideration.
Consumer complaint received 2023-12-04
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. (PR)

XXXX violated my rights under the Fair Credit Act by reporting negative transactions in my consumer report.At no time has he shown me any type of document that supports those negative transactions that are seriously affecting me. This is not the first time I have to tried to resolve the matter. ( XXXX XXXX XXXX XXXX XXXX ) File Identification Number : XXXX XX/XX/23
Consumer complaint received 2023-12-04
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. (PR)

Transunion violated my rights under the Fair Credit Act by reporting negative transactions in my consumer report.At no time has he shown me any type of document that supports those negative transactions that are seriously affecting me. This is not the first time I have to tried to resolve the matter. ( XXXX XXXX XXXX XXXX XXXX ) File Identification Number : XXXX XX/XX/
Consumer complaint received 2023-11-21
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC (PR)

On XX/XX/XXXX, XXXX XXXX XXXX flagged an account as Collections on my credit report for the amount of {$1500.00}, stating that the original creditor was XXXX XXXX XXXX XXXX. I was out of the country and did not realize this until XX/XX/XXXX. As soon as I found out, I disputed the Collections on XXXX, XXXX and XXXX, stating that I had been a victim of identity theft earlier this year and suspected someone had fraudulently used my information again ( despite the fact that I had frozen my credit and place fraud alerts on XXXXXXXX XXXX  ). 

On XX/XX/XXXX, I called XXXX XXXX XXXX to ask for more information about the account flagged as Collections and found out that on On XX/XX/2023, an XXXX Mobility Account was opened fraudulently under my name with a false email and address in Indiana. XXXX XXXX XXXX said that, in order to investigate the case, they would send me a XXXX XXXX within XXXX business days that I should fill and return to them. I provided them the correct address to mail it and I am currently waiting for the Packet to arrive. 

On XX/XX/XXXX, I also filed an Identity Theft Report with the FTC and, following their recommendations, I called XXXX XXXX XXXX at XXXX to report that my identity was used to fraudulently establish XXXX XXXX XXXX XXXX ( wireless account ). XXXX XXXX XXXX said they could not help me without the account number and that, in order to start a fraud investigation, I should call back with the account number, which I have no way of knowing, since this account is NOT mine and I have never received any statements, invoices or notices of debt related to this account. The only reason I found out about this collection is because XXXX XXXX XXXX flagged it on my Credit Report and XXXX sent me a notification.
Consumer complaint received 2023-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2023-11-22
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: FIRSTBANK PUERTO RICO (PR)

The account was paid and still bad information still appearing in the credit reports companys XXXX, XXXX and XXXX. Account was paid in a agreement with First Bank PR.
Consumer complaint received 2023-11-18
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. (PR)

In accordance with Fair Credit Reporting act XXXX  account # XXXX, has violated my rights. 

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

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2023-09-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc. (IA)

Hold times are over an hour to get to an agent. I requested documentation to provide to a mortgage lender explaining that the OSLA and Aidvantage credit lines showing on my credit report are the same loan and not from two different lenders. They failed to provide the documentation. I attempted to call back waited on hold again for over an hour then an agent picked up the phone and immediately hung up, making me need to call back again to request the same documentation.
Consumer complaint received 2023-11-17
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. (PR)

I have spoken with representatives at Experian and received communication via email on my MyExperian account as Meets requirements of the Fair Credit Reporting Act. Experian has repeatedly denied my right to privacy regarding my nonpublic personal information. I demand the above information on the Experian line item LATE PAYMENT be excluded