davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-20
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. (MI)

I was checking on my credit report. I noticed some inquiries that was not authorized. I talk to credit bureau no ones remove this inquiries from My credit report. I need u to check and see wats goin on. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-05-20
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. (GA)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2024-09-06
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY (NY)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 

XXXX XXXX
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

XXXX XXXX  loans have been in IDR for the past year... I have had no late payments on this loan until XX/XX/2024 when the company reported the account was 90 days past due. How is this possible? How do you go from one month paid on time to automatic 90 days late. Do this mark on my credit report it has made me unable to purchase a home. I have already suffered major loss. I reached out to XXXX to ensure that my loans where in fact in forbearance and request that in writing as well. IDR plan has been reapplied for and awaiting approval.
Consumer complaint received 2024-05-20
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. (TN)

PLEASE BLOCKED AND REMOVED I strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly appreciated.
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Eastern Account Systems of Connecticut, Inc. (FL)

Eastern Account System of Connecticut , Inc. XXXX  XXXX XXXXXXXX XXXX XXXX has listed an unauthorized account on my credit report without my consent. I never granted permission for them to report any information under my name or Social Security number to consumer reporting agencies. This is a clear violation and constitutes identity theft.
Consumer complaint received 2024-05-20
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. (MD)

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 2023-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting Act. this list of inquiries below has violated my federally protected rights to privacy and confidentiality under XXXX XXXX XXXX. The listed inquiries are also unauthorized and unverified. 

XXXX XXXX  inquired on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX XXXX  XXXX XXXX  inquired on XX/XX/XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX inquired XXXX XX/XX/XXXX XXXX XXXX XXXX inquired XXXX XX/XX/XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  inquired on XX/XX/XXXX XXXX XXXX  XXXX  inquired on XX/XX/XXXX XXXX XXXX  inquired on XX/XX/XXXX has XXXX 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 written instructions. 15 U.Sc. 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. 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 accurate.
Consumer complaint received 2024-08-23
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Affirm Holdings, Inc (GA)

( XXXX XXXX ), ( XXXX ), ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened aXXXX XXXX XXXX  on XX/XX/XXXX Account number ( XXXX ), An personal credit card opened at XXXX XXXX on XX/XX/XXXX Account number ( XXXX ), An personal credit card Account opened at XXXX XXXX XXXX  XX/XX/XXXX Account number ( XXXX ), An personal credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX Account number ( XXXX ), An unsecured loan open at AFFIRM INC on XX/XX/XXXX Account number ( XXXX ), and a unsecured loan opened at AFFIRM INC on XX/XX/XXXX Account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX # ( XXXX ) XXXX # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-05-20
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)

Incorrect name
incorrect addresses
FRAUD NOT ME NOT MINE PLEASE REMOVE
Credit bureau reporting 
XXXX XXXX  POTENTIALLY NEGATIVE
Balance
Balance updated XXXX
POTENTIALLY NEGATIVE
Balance
$XXXX
Balance updated
XX/XX/2024XXXX
POTENTIALLY NEGATIVE
Balance
$XXXX
Balance updated
XX/XX/2024XXXX
POTENTIALLY NEGATIVE
Balance
$XXXX
Balance updated
XX/XX/2024
XXXX XXXX XXXX
POTENTIALLY NEGATIVE
Balance
$XXXX  Balance updated
XX/XX/2024
XXXX XXXX XXXX  POTENTIALLY NEGATIVE
Balance
$XXXX
Balance updated
XX/XX/2024
XXXX XXXX XXXX
POTENTIALLY NEGATIVE
Balance
$XXXX
Balance updated
XX/XX/2024
XXXX
Balance
Balance updated XXXX XXXX XXXX XXXX  POTENTIALLY NEGATIVE
Balance
$XXXX
Balance updated
XX/XX/2024
XXXX
LATE PAYMENT
Balance
Balance updated
XXXX XXXX  Balance updated
Collections
XXXX XXXX XXXX
Original creditor XXXX XXXX XXXX XXXX.
Balance
$XXXX  Balance updated
XX/XX/2024 XXXX XXXX XXXX
Original creditor XXXX XXXX
Balance
$XXXX
Balance updated
XX/XX/2024
Consumer complaint received 2024-08-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (TN)

I am filing this complaint because I was not given the opportunity to dispute the alleged debt a debt collection company has put on my credit reports. This company is known as NCA. This company did not send me any information regarding the alleged debt. The debt collection agency is ruining my credit worthiness and my credit standing.
Consumer complaint received 2023-07-01
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. (NC)

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, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX NC XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2021-04-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (CA)

Someone hacked my account on XX/XX/2021 and sent {$600.00} to different people ( XXXX XXXX {$200.00}, XXXX XXXX XXXX {$200.00}, and XXXX XXXX {$200.00} ) on CashApp. Other withdrawals were attempted but blocked by my bank. CashApp and my bank XXXX  would not reverse the transactions and return the money that was stolen from my bank account via CashApp. They said it was initiated from my device but hackers are spoofing devices to steal money. I advised them of this and I did not initiate these transfers. My bank XXXX  says CashApp will not reverse the transactions and they cant do anything about it. I tried to continue to contact CashApp and they refuse to speak to me about the money that was stolen from my account. 
XXXX : XXXX Cash App Ghosting Response : Subject : RE : Canceling a Payment [ ref : XXXX : ref ] Hi there, While Id be happy to help you with any other issue, Im unable to provide further information for this particular case. 

For questions or concerns outside of this case, please reply back to me here. 

Thanks, Cash Support
Consumer complaint received 2018-04-25
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (MD)

I called XXXX  American Express friday XX/XX/2018 to  report charges on my card from XXXX that I didnt make. It was a total of 26 charges. XXXX told me to call back when the charges were no longer pending, well I did that on Monday XX/XX/2018 and the company asked me why I didnt call the police or did my husband make the charges. Basically I was told that I am not going to receive my money back.
Consumer complaint received 2024-05-20
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. (TX)

I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.
Consumer complaint received 2024-07-15
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. (MA)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-06
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: ENCORE CAPITAL GROUP INC. (TX)

Hi. My name is XXXX XXXX and I am being sued and taking to court by XXXX XXXX. They are very rude and they send people to nock on my door to serve me to court. the people follow me till they seem me come back to my home and people I don't know. They already took me to court one time and when I went to court they didn't show up and now a year later they come back with people againg to leave paperwork at my house to take me to court. I have court this end of month. I just cant do this no more. I am going to a lot of stress and XXXX. I don't owe them anything!!!!
Consumer complaint received 2023-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (WI)

Experian is sill violating my rights & breaking the law. By The Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), Experian is required by federal law to verify this bankruptcy on my report & they never did with physical proof. Experian had 30 days to prove & its been almost 5 months! I sent them a letter from the Bankruptcy courts stating they do not report to the credit bureaus & yet Experian is still reporting fraud! Experian uses a 3rd party to collect public info & that is against the law & any one can use your info. fraudulently. This bankruptcy is scheduled to be removed XX/XX/2023 any way, however, that is too long!! This Error Experian is reporting, is messing up my ability to obtain future credit for a home & car. Furthermore, XXXX has already removed this Bankruptcy, because they follow the law. I would appreciate Experian stop breaking the law, violating me & remove this Bankruptcy immediately. THANK YOU!
Consumer complaint received 2024-05-20
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 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I've learned that the creditor didn't provide the necessary XXXX notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2023-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

I applied to rent an apartment at two ( 2 ) different apartment complexes on or around XXXX XX/XX/2023. Both apartment complexes rejected my application with similar form letters that their decision was based in-part on the information furnished to them by Experian. One of the apartment complexes was nice enough to highlight the information causing the issue. It turns out the issues are with the status of three ( 3 ) accounts that Experian has failed to correct over the past two ( 2 ) years. I have submitted multiple CFPB complaints to have the derogatory/unverifiable information removed. For each account I have provided between XXXX  ( XXXX ) and XXXX ( XXXX ) pages of documentation explaining the consumer violations, banking violations, and ADA violations XXXX I even supplied Experian with the copies of the complaints I filed with USDOJ against the data furnishers. Yet, Experian has responded to each complaint stating the information was " verified as accurate. '' This can not possibly be the case because had Experian reviewed any of the information regrading those complaints they would have found a statement from one ( 1 ) of the data furnishers explaining the account was not being reported correctly -- on the furnishers own letterhead. If one of the data furnishers is openly explaining the account status is not reporting correctly then how can the account information be verified as accurate? It would seem Experian is choosing not to review the documentation I supplied and simply doing an automatic update and/or verification using eOSCAR. The bottom line is Experian is supplying a tenant screening company with information it knows or should know is inaccurate/unverifiable which has caused me to lose multiple apartments as an individual that makes well into XXXX ( XXXX ) figures. Moreover, because the information Experian has supplied to the tenant screening agency is based in part on data from data furnishers that was generated as a result of race and disability discrimination, the data Experian is supplying is harming me as a member of one ( 1 ) or more protected classes, and is causing housing denials to arise as disparate impact that violates Fair Housing laws. This is not acceptable and if Experian does not remove the derogatory information outlined in the resolution section, I will pursue legal action to obtain relief.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

PLEASE BLOCKED AND REMOVED It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your prompt attention to and resolution of this matter are sincerely appreciated.
Consumer complaint received 2024-05-20
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. (NY)

Someone tried to XXXX a XXXX  XXXX credit card with my social security number. I immediately called to cancel the card when i received an email saying that XXXX  XXXX needed my last few documents to open my card. by then, they had already run a hard credit check without my permission.
Consumer complaint received 2021-05-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (OH)

An unauthorized account was opened using Cash App in the name of our employee. The account was determined to be fraudulent. The account used the bank routing number for XXXXXXXX XXXX XXXXXXXX and account number XXXX. The email used was XXXX. This person used fraudulent emails and bank information to request that we deposit the employee 's payroll check into the account. The scammer was quite good and we did not realize it was fraudulent until we had transferred the paycheck on XX/XX/2021 and had {$1800.00} stolen. 

It seems that criminals are using this Cash App and prepaid cards to steal money without having to show XXXX open the account.
Consumer complaint received 2024-08-26
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: RFNA, LP (TN)

Republic Finance has sent me numerous text messages without ever providing consent to receive text messages. Also they have violated the XXXX rule for regulation F by continuing to contact me daily if not multiple times daily with voicemails and dialer calls. My loan payments are due on the XXXX of each month and I receive calls daily the day after my loan is due.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FORD MOTOR CREDIT CO. (LA)

In XXXX XXXX XXXX  I did a loan with my Fiancee at the time and was told I would be the main Buyer on the Account. I was the main buyer and never gave authorization for them to let anyone access account. After calling in and speaking to different representatives I was told that they let her access my account several times without my knowledge. I am asking that Ford Motor Credit be deleted off of my credit report for late payments be fixed I have made all payments on time to Ford Credit and ask that Ford Credit or all three credit Bureaus provide proof that these payments were late. I traded this vehicle in XXXX XXXX XXXX
Consumer complaint received 2024-05-20
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. (NY)

XX/XX/XXXX{$3600.00} XXXX XXXX XXXX, XXXX XXXX {$250.00} XX/XX/XXXXXX/XX/XXXX {$100.00}, XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX,XX/XX/XXXXXX/XX/XXXX,