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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CT)

YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).
Consumer complaint received 2022-11-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (TX)

On XX/XX/22 at XXXX my account was hit repeatedly by several websites, which drained my account completely of all funds. That did not stop the attempts by at least three websites I have never done business with to keep trying to pull money out. The way In which the money was repeatedly attacked and the fact these were from online sources point to something suspicious obviously happening. After several attempts to contact cashApp to stop this and alert them of this fraud, I had no success as I couldnt contact anyone until the next day. As of today they launched an investigationsaying nothing suspicious happened and will not be refunding me this cash. I find that their security measures appalling and inadequate to protect their customers. The number of times they tried to hit my account for more money after they had drained it, my powerlessness to alert cashApp of this as it was happening and their unwillingness to investigate more logically makes me feel like a victim to this corporation.
Consumer complaint received 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).
Consumer complaint received 2022-11-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (WI)

In late XX/XX/2022 my phone was hacked. Resulting in my XXXXXXXX XXXX  app being hijacked and XXXX of checks deposited, funds transferred to Cash App, Bitcoin purchased and sent to bitcoin wallet outside of Cash app. After this occured every check that was deposited was returned for insufficient funds. Since i had my XXXX account for so long the checks were immediately deemed good funds. XXXX has found in my favor deeming transactions to be fraudulent and processed chargebacks to Cash app. Now despite many attempts to resolve from XXXX to current asking what the next steps are if i continue to disagree, they have been very difficult to get any help. Cash app is still saying im responsible for the negative balance of {$5800.00} i have logged 3-4 cases asking for assistance, but noone has offered any resolution. Im a 100 % XXXX veteran and this is causing a lot of extra XXXX, as i have tried to resolve through cash app customer support. 
User id XXXX XXXXXXXX XXXX or XXXX XXXX XXXX XXXX XXXX XXXX, wi XXXX XXXX. Please call me @ XXXX if you need more information to verify.
Consumer complaint received 2022-11-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (SC)

On XX/XX/2020 I received a deposit of {$9100.00} and on that same day my cash app account was hacked and all of my money was drained in increments! Cash app would not and still wont help me!! The money was sent out to an account thats not in my name that I have no knowledge of it was sent out to XXXX XXXX  and to cash app names XXXX XXXX and a cash app tag that says XXXX. Instead of them helping me cash app closed my cash app account so I wasnt able to get back into my account until recently! But the fraudsters was still using my account!!
Consumer complaint received 2024-05-27
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. (NY)

I'm disagreement with the account listed below with my credit report still appearing, even after your investigation. I would like item immediately- re-investigated. the inaccuracies are highly to my credit score. 

XXXX XXXX XXXX XXXX  in accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Sections 611, please provide the name and business addresses of each individual with whom you verified above so that I may follow up. Please send an updated copy of my credit report after your re-investigation.
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. (FL)

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 that I have the right to privacy. 15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 15 U.S.C. 1681 c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
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. (MN)

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 that I have the right to privacy. 15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 15 U.S.C. 1681 c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-06-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NY)

I am currently in the market to buy a home and I was reviewing my credit report and found some errors on XXXX XXXX XXXX You are reporting information about me which is inaccurate. All three credit bureaus are reporting different HIGH VALANCE, DATE OF LAST ACTIVITY, DATE REPORTED, DATE OPENED, ACCOUNT RATING, LAST PAYMENT, TWO YEAR PAYMENT. All 3 credit bureaus are reporting inaccurate information in this account. As you are aware there can only be one high balance and same date on this account. This account has not been properly verified. PLEASE DELETE the following account immediately for failing to comply with FCRA. XXXX XXXX XXXX THANK YOU FOR YOU TIME This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information. Please remove this account XXXX XXXX XXXX immediately thanks.
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-27
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: ENOVA INTERNATIONAL, INC. (FL)

It was false advertising and they took my personal information and my bank account information. I asked if they can delete or cancel my account with my bank account information and they said No. I need my account deleted since I will not be using the account at all. They were very misleading with getting a line of credit. 


Dear XXXX XXXX, Account XXXX XXXX XXXXXXXX Thank you for contacting NetCredit. 

In regards to your recent inquiry, we regret to inform you that NetCredit can not honor your request to delete your personal information from our database. We are required by federal and state laws to retain and keep a record of any customer information submitted to us. 

Be assured that we take data security and privacy very seriously and safeguard all information that we obtain. For more details regarding the collection and use of customer data, you can review the NetCredit Privacy Policy at https : //netcredit.com/privacy-policy. Each NetCredit customer acknowledges that he or she has read and consented to the terms of the Privacy Policy prior to completing any transaction on our website. 

If you have any additional questions or concerns, our customer support team is available Monday Friday, XXXXXXXX XXXX XXXX and Saturday - Sunday, XXXX at ( XXXX ) XXXX. You can also sign in to view your account details online at any time. 

Sincerely, The NetCredit Customer Support Team Phone : ( XXXX ) XXXX Email : XXXX Fax : ( XXXX ) XXXX www.netcredit.com
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (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.

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

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2022-11-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (IA)

XX/XX/XXXX i deposited money. I requested to send a payment to friend for XXXX XXXX but an error occurred and said could not be completed at this time. Fine i would try later. However the XXXX $ wentkissing from my balance even though on my account history of activity no transaction exists to show that my money went anywhere, its just no longer included in my balance the XXXX XXXX I filed requests to chat they claim their recordshows the original payment i attenpted as confirmed and sent. I went to friend saw her history have images showing she has no account activity that added any money from any payment by me to her balance. She does not have my money, her balance proves that it then is missing XXXX $ they claim qas sent to her. But chat support refuses to admit even with proof.. that she diesnt have my XXXX XXXX Fine then i try dealing with them, i tell them no transaction exidys in my re ord. The fact they provide this record to me proves their system is having errors. I demand my money. A policy they have at end of all monthly statements statesthey will credit me my claim of missing amount so i can have access to my money while they investogate. They keep closing email cases opened with specialists, they trick tbeirsystem into allowing them to close out my cases by saying i havent responded in 3 dayys even though i did promptly reply to emails only sent to me that very day. Proof of that as well as prpof of history on both accounts involved and balances that prpve XXXX $ of mine is missing and nowhere to be accounyed for. Chats end abruptly they refuse to help called support hung up on like 3 times and emails get falsely closed by them reporting i didnt reply for 3 days when they just sent emailed that very day. I want my money.
Consumer complaint received 2024-05-31
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. (CA)

I have been trying to get my report updated with only accurate information for the last few years and I am still battling against these reporting agencies. I recently submitted yet again my XXXX written request to XXXX, Trans Union and XXXX to have the incorrect information updated and or removed from my credit report. To date it still hasn't been resolved.. The information these agencies have been furnishing has been inaccurate and has impacted my score negatively even though I have many accounts that are all paid as agreed and never late, the negative information has significantly dropped my score and prevented me from being able to get a car, qualify for a XXXX XXXX agreement not to mention countless opportunities to help to further my business and take care of my family. 15 USC Code 1681s-2 ( A ) 1- States " 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. In addition 15 USC 1681e says " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishings of consumer reports for the purposes listed under section 1681b of this title.

I have researched diligently and according to the FCRA 15 USC 1681 602 which says " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy ''. Trans Union, XXXX and XXXX are consumer reporting agencies and I am the consumer. I do have the right to protect my private information and make sure its not shared. This is backed also by 15 USC 6801. This states " It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public personal information ''. Furnisher of information to credit agencies is a financial institution by definition under that title. Also 15 USC 1681 604 section 2 says " In general subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other in accordance with the written instructions of the consumer to whom it relates. The financial institutions and the consumer reporting agencies, Trans Union, XXXX and XXXX do not have my written consent to furnish any information. You can see in the documentation I have requested to Opt out in writing several times. XXXX, Transunion and XXXX are not maintaining reasonable procedures and are in violation of the FCRA.
Consumer complaint received 2022-11-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc. (FL)

In XXXX, a fraudulent Square account was set up in my name. This business then charged almost {$10000.00} to a fraudulent credit XXXX XXXX Credit card also set up in my name -- - for " Intensive Therapy. '' [ A fraudulent business set up in my name at my home address, billed me on invoice # XXXX, for a credit card opened the day before, for one session of therapy totaling close to $ XXXX at my home address. In an of itself, this should have been thrown out ] The invoice is fraud, the account is fraud, and the charges are fraud. However, XXXX XXXX XXXX XXXX will not allow me to dispute the transactions because Square claims the business is mine. I have tried to resolve the issue with Square -- but they have zero customer service. I get a canned response. They claim they need the articles of incorporation for the business to discuss it with me. I have no access to the articles of incorporation in a fraudulent business. I can not get anyone from Square to work with me or provide the appropriate documentation and now am being charged by the credit card company because of Square 's incompetence, it's failure to protect its customers, and its violation of XXXX XXXX of Rights. 

I have provided them with information that my identity had been stolen ( through my mortgage lender breach - letter attached ), a copy of a police report ( attached that showed my home address was changed, and I was a victim of identity theft ), and provided all relevant information, as well a fake business receipt which looks like a XXXX XXXX XXXX developed it. Still, I am on the hook for this money and have received zero help or support from Square. I can not even get someone to talk to you.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AL)

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXXhelpmeoutby finding a way to check if my XXXX XXXX  were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my XXXX contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (IL)

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos XXXX XXXX XXXXhelpmeoutby finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :