davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (FL)

I have tried several times to CASHAPP. Their was fraud on my account They have disregarded my complaints. I let XXXX XXXX know about the fraud and they refunded my money. After I closed my account they are saying XXXX. I have the names of the people and this started in 2020. I had money so I just recently included that information. I have copies of most of the conversations. 
XXXX.CASHAPP allowed people to fraudulently add money, via XXXX XXXX Thank you.
Consumer complaint received 2022-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Amsher Collection Services, Inc. (SC)

In accordance with the fair credit Reporting act XXXX XXXX  # XXXX, has violated my rights. 
15 USC 1681 Section 602 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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2024-05-22
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. (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 U.S.C 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX had violated my rights. 


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

15 U.S.C 1681 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 report containing any of the following items 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 2024-04-27
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. (PR)

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 2024-01-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I reviewed my consumer reports and noticed that I had a few late payments on an accounts that were never late. The consumer agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have NEVER BEEN LATE. Please investigate and provide proof with statements showing that I was late. If you can not provide proof I demand these payments be updated to paid as agreed on time as they should be due to the fact that I was NEVER LATE. Imagine all the people being affected by these type of errors. PLEASE FIX THIS IMMEDIATELY.
Consumer complaint received 2024-07-09
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. (FL)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. 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 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2024-07-09
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. (FL)

I am reaching out to notify you that I have fallen victim to fraudulent activity. In my efforts to understand how to remove fraudulent items from my credit report, I learned that I need to file an identity theft report with the Federal Trade Commission at https : //www.ftc.gov. As stipulated by FCRA section 605b, Credit Reporting Agencies are obligated to remove any items listed on an identity theft report, with reference number XXXX. The attached documents should facilitate the removal of the fraudulent accounts, erroneous personal information, and inquiries from my report. Below is a list of items that were added without my authorization : EXPERIAN : XXXX XXXX XXXX XXXX, MA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XX/XX/XXXX ; CHRYSLERCAP XXXX Balance : {$8800.00} ; XXXX XXXX XXXX XXXX Balance : {$460.00} ; XXXX XXXX  XXXX XXXX Balance XXXX {$660.00} ; XXXX XXXX Balance : {$2000.00} ; XXXX XXXXXXXX Balance : {$420.00} ; XXXX  XXXX XXXX Balance : {$780.00} ; XXXX XXXX  XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$240.00} ; XXXX XXXX XXXX Balance : {$990.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1800.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$7100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$260.00} ; XXXX XXXX XXXX XXXX Balance : {$840.00} -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX : XXXX XXXX Balance XXXX {$8800.00} ; XXXX  XXXX XXXX XXXX Balance : {$460.00} ; XXXX XXXX  XXXX XXXX Balance : {$660.00} XXXX XXXX XXXX Balance : {$2000.00} ; XXXX  XXXX Balance : {$420.00} ; XXXX  XXXX XXXX Balance : {$780.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$990.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$7100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX  ) XXXX Balance : {$260.00} ; XXXX XXXX XXXX XXXX Balance : {$840.00} ; XXXX XXXX Balance : {$1800.00} -- -- -- -- -- -- XXXX -- -- -- -- -- -- XXXX : XXXX XXXX Balance : {$8800.00} ; XXXX  XXXX XXXX XXXX Balance : {$460.00} ; XXXX BANK XXXX XXXX XXXX : {$660.00} ; XXXX XXXX Balance : {$2000.00} ; XXXX XXXX Balance : {$420.00} ; XXXX  XXXX XXXX Balance : {$780.00} ; XXXX  XXXX XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$240.00} XXXX XXXX XXXX XXXX Balance : {$990.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1800.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX  ) XXXX Balance : {$840.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$7100.00}. Per FCRA Section 605B ( a ), Credit Reporting Agencies must remove any items identified by the consumer as resulting from identity theft within 4 business days of receiving the request.
Consumer complaint received 2024-05-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Credit Karma (OH)

On XX/XX/year>, someone logged into my Credit Karma Money account. Credit Karma 's verification process did not stop them as I never received any emails or text message to authenticate the account. Once they were in my account, the took the virtual debit card number and proceeded to charge my entire balance on one transaction to a merchant I'm not familiar with. I also have emails from after the fact where they changed the phone number and mailing address on file. Their system did not work as it was supposed to and I received no notice until hours after the account was already compromised. 

When I called Credit Karma, they told me I had to wait to see if the charge would go through despite having the sufficient funds and knowing the charge would instantly reversed if that weren't the case. I had to wait 4 days to even be able to dispute the charges despite being aware my account was compromised and now waiting up to 120 days to get my money back. 

Due to their investigation, I'm completely locked out of my account, the account number hasn't been changed, nor has the debit card number. I've called back repeatedly as they never contacted me back as they stated and even when the transaction went through I had to call back multiple times just to get the dispute done. I got hung on multiple times in this process and not one attempt was made to continue the work or call me back.
Consumer complaint received 2024-11-19
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. (AL)

I couldnt believe it when I saw incorrect accounts on my credit report this morningit completely caught me off guard. Ive always checked my credit report without issues, but this time, the discrepancies were baffling. I even refreshed my browser multiple times, hoping it was just a technical error, but the accounts stayed there. Im asking that the documents Ive submitted be reviewed in detail to ensure Ill never have to deal with something like this again.
Consumer complaint received 2024-08-12
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. (CA)

This to file a formal complaint against TransUnion regarding their failure to correct inaccurate information on my consumer file. Despite multiple attempts to rectify these inaccuracies, TransUnion has not resolved the issue, which is causing significant harm to my credit profile and financial wellbeing. 
Account Information : XXXX ( # XXXX ), XXXX XXXX # XXXX ), XXXX ( # XXXX ), XXXX Funding ( # XXXX ) Legal Basis for Complaint : Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to maintain accurate information in consumer reports. Additionally, 15 U.S.C. 1681i outlines the procedures for disputing and correcting inaccuracies, including the obligation for consumer reporting agencies to investigate disputes and ensure the accuracy of the information reported. 
Furthermore, 15 U.S.C. 1681s-2 ( b ) mandates that furnishers of information must provide accurate information and correct or update any inaccuracies when notified of a dispute. Despite adhering to these provisions, TransUnion has failed to act in accordance with these legal requirements by not resolving the disputes or correcting the inaccuracies in my file.
Consumer complaint received 2024-01-14
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

RE : Investigation Request to Delete Credit Inquires To whom it may concern, In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. 

INCORRECT ACCOUNT INFORMATION The accounts below are reporting incorrectly please investigate these : Account : XXXX Account number : XXXX XXXX XXXX XXXX  Reason for Dispute : In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. 

INCORRECT CREDIT INQUIRIES I am disputing the following inquiries which I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-14
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)

My information was sold and bought illegally because I am a victim of XXXX data breach. I want these items deleted off my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has deleted these accounts due to my information being sold from their data breach. Please help me delete these negative accounts on my credit reports that have been removed from my other credit reports : XXXX XXXX XXXX, Account XXXX XXXX  As well as inquiries on my TransUnion report that have been removed from or were never listed on my other credit reports listed below with the dates attached to inquiries that does not show open accounts on these dates. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date ( s ) XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX ( XXXX for the same date which is against the law to do so ) XX/XX/2023, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX, XXXX XXXX I do not contact these companies for the following dates that have been listed with XXXX XXXX nor do I have accounts for the other companies. 
I am attaching the proof of accounts being deleted from other credit reports, proof of data being breached through black web and data breach from XXXX. All Credit Reports By Law List The Same Accounts For All Reports To Accurate And If and When Something Is Proven To Be False or Inaccurate and Removed From XXXX Credit Report All Other Reports Should Do The Same.
Consumer complaint received 2024-05-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SANTANDER HOLDINGS USA, INC. (VA)

I am writing to file a formal complaint regarding a collection account labeled Santander XXXX that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress and XXXX. To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit score. Additionally, the stress and XXXX that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.
Consumer complaint received 2024-01-16
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. (DE)

I tried to get my account cleaned up and they haven't responded as of yet. I sent to them the US code 1681 chapter 111, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2015-10-22
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (CA)

so i am once again complaining, i 've done everything and provided everything as requested. all conditions have been met except one ... .my bank statements for 2 months needs an update/missing pages. there is nothing missing, i have even clearly indicated rental income and verify all the pages are correct. i am enclosing copies for you to see to make sure we are on the same page. i have make every effort to play by their rules. please step in as liason and figure out what is happening. there seems to always be something that has to be done " outside of the realm of what is consider reasonable and is required ''
Consumer complaint received 2024-01-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In XX/XX/, I applied for an XXXX XXXX Credit Card with XXXX XXXX. 

Once approved, I linked my account with another persons account. Doing this, created an ongoing issue. Ive never been to use the account. The other account holder is the only one who was able to use the account. 

Despite numerous calls to both XXXX and XXXX XXXX over XXXX months, the issue remains unresolved. I couldnt use the card, add it to my phone via the app, and theres an inaccurate duplicate account report to credit bureaus affecting my credit score. Ive filed several disputes with all XXXX  credit bureaus, asserting the inaccuracy of the reported duplicate account. However, their investigations consistently claim the information is accurate, despite the evident error. 

This has resulted in a significant impact on my credit score, and neither XXXX nor XXXX XXXX has attempted to resolve the problem in over a year.
Consumer complaint received 2024-01-14
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. (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 15 USC 1681. 



XXXX  CHILD SUP : # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Please be advised that this is my FIFTH WRITTEN REQUEST asking you to remove the accounts that I have listed below that remain on my credit report in violation of 15 U.S.C. 1681. You are required under the FCRA to review and remove the listed accounts on my credit report. 

XXXX 's XXXX XXXX, XXXX XXXX, XXXX, defines " Verify '' as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) " to confirm or substantiate by oath or affidavit : to swear to the truth of. '' and " Verification '' as, " Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. '' As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. 
I ask that you Promptly DELETE all the accounts that I listed. 

The law is very clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be deleted immediately.

THE LISTED ACCOUNTS HAS ALSO 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 1681 c. ( 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 2024-05-21
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (KY)

Recently XXXX has been upgrading XXXX Members to XXXX XXXX  status without the member having to earn the status via XXXX ( XXXX XXXX XXXX ). Members within this status are given their first checked bag free. This is a benefit also offered through the XXXX XXXX XXXX credit card ; however the credit card comes with a {$150.00} annual fee. Non- American Express XXXX holders are being given similar free rewards compared to individuals who are paying annual fees. 

Other benefits offered by the credit card such as the {$200.00} award after spending {$10000.00} per year do not offset the cost of using the card. The net benefit for that award would be {$50.00} per year. That would be half of XXXX cent per dollar spent, provided the user was able to spend only exactly {$10000.00}. More spend does not equate to more benefit. 

This year American Express raised the annual fee from {$99.00} to {$150.00} and the rewards offered do not support that increase.