davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC (WI)

Notice of pre-litigation Radius Global Solutions LLC has reported a debt to XXXX, XXXX and XXXX. Radius has not provided any documents stating who they are nor collecting for and the written consent to furnish inaccurate, unverifiable information to my consumer report. This is aggravated identify theft ( 18 USC 1028a ), extortion ( 18 U.S.C. 894 ). The lack of the SSA 89 form is proof that you havent gotten written authorization from the Social Security Administration to use my private information. This is false and misleading representation. Radius is using extortionate means to collect a debt by furnishing false and inaccurate and unverifiable information to my consumer report. GLB ACT provides that you and the company that may have assigned the alleged debt must be authorized to do so to any unknown third parties. Please provide the SSA 89 Form authorizing you to open an account, FDCPA notices prior to furnishing the information to the credit reporting agencies and written consent given to you by me ( consumer ) to furnish this discriminatory information. 

Provide Proof Immediately and remove this derogatory information from my consumer report. I refused to pay any alleged debt to this company and I do not know this company at ALL. I have never did business with this company however they have my private information without the consumers consent. posting this information to my consumer report alleging a debt ruining my reputation and stealing my identity. WHO ARE YOU and how did you get my information.
Consumer complaint received 2024-01-20
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (TN)

Got a loan for {$5300.00} they only deposit {$4700.00} into my account which I did not know they was going to take {$600.00} from me they only suppose to been paid the car off which at the moment I only owed XXXX XXXX {$400.00} I wasn't aware of that then the internet rate my ending balance was {$9800.00} almost {$10000.00} that's a lot compared to me only oweing XXXX XXXX I only wanted a certain amount which they said I couldn't do what I wanted which was a {$1000.00} they said I had to take the {$4000.00} or more to get the loan
Consumer complaint received 2024-07-08
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am writing to dispute an unauthorized access to my credit report, which I believe is in violation of 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ). Specifically, I have discovered that my credit report was accessed by XXXX XXXX and XXXX XXXX without my authorization, or any permissible purpose as defined under the FCRA. According to the FCRA, a consumer report can only be furnished for specific permissible purposes, such as credit transactions, employment, insurance underwriting, or other legitimate business needs. I did not initiate any transactions, applications, or business relationship with XXXX XXXX  and XXXX XXXX, nor did I provide written consent for my credit report to be accessed.
Consumer complaint received 2024-02-03
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. (LA)

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

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-03
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. (GA)

This agency violates 15 USC 1681i.

Notice of results of reinvestigation ( 6 ) -In general, A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. 

They were to notify me of this in writing 5 days prior, I WAS NOT NOTIFIED. AS THE ORIGINAL CREDITOR, ONLY I CAN VALIDATE THIS DEBT. I DO NOT VALIDATE THIS DEBT, UNDER NO CIRCUMSTANCES. Therefore, the following accounts must be DELETED from my report immediately. Furthermore, it does not matter if the account is listed as CLOSED, CHARGED OFF, COLLECTIONS, LATE PAYMENT, ( ANY NEGATIVE OR ADVERSE ITEM ( S ) OR REMARKS ), ETC
Consumer complaint received 2024-02-03
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. (AL)

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 2021-04-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Block, Inc. (PA)

XX/XX/XXXX cash app took money an sent XXXX to a XXXX XXXX person looks like a scam so I contacted same day an said this was fraud they did there fake investigation and stated they cant do nothing about it so then I kept filing complaint then they said they cant speak to me anymore I've told them numerous times it was fraud I honestly believe cash app is a scam so then I filed through XXXX they acted like they investigated then stated that I told them to authorize those charges and there ok to do that when that never happen so I uploaded prof of my conversation and sent it to them an then they stated they cant speak about it anymore an have my account negative XXXX an are taking any money that is sent. 
It is there job to retrieve my money from the scam not mines my bank helped me but they need to fix the account.
Consumer complaint received 2024-02-03
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. (FL)

I have notified XXXX multiple times of these unauthorized inquiries, and they still remain on my report. XXXX refuses to comply with the FCRA and remove these UNAUTHORIZED inquiries on my report. 

PLEASE SEE ATTACHED!!!
Consumer complaint received 2023-07-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I implore you to take action and remove these fraudulent accounts from my credit report immediately. I did not authorize or initiate these accounts, and it is unfair for me to be held accountable for them. I urge you to take the necessary steps to rectify this error as soon as possible.
Consumer complaint received 2024-02-03
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. (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 2023-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (VA)

There were fraudulent charges that were made to my credit card by XXXX for several months. I detailed the issue in letters sent to Citi on XX/XX/XXXX and XX/XX/XXXX by certified mail. 

They have resolved & refunded some of these fraudulent charges - but other ones, as documented in detail in the XX/XX/XXXX letter, they have delayed providing a refund- and it has been over 6 months. 

Each time I call, I just get the runaround and nobody will resolve the issue. I have tried calling numerous times to resolve. The latest attempt was XX/XX/XXXX and I talked to XXXX ( ID : XXXX ) a Fraud Department Supervisor. She could not provide a resolution. 

Hence this complaint in hopes you will resolve this issue.
Consumer complaint received 2023-09-01
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. (MD)

This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-03-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (NJ)

I ordered a few things from XXXX and had to get a refund for something I had a certain amount in my account I received my refund today the XXXX XXXX the last time I used my card was the XXXX which brought my account to another amount I have not used my card at all and my refund disappeared out of nowhere I have a family and bills I want my money and I'm going to uninstall that app
Consumer complaint received 2024-02-03
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. (CA)

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

These are not recognized and non-authorized hard inquiries on my credit report please have them deleted
Consumer complaint received 2024-02-03
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. (CA)

Good morning, I am contacting you once again because I have come across the same problem as before which includes Equifax dropping my score for no apparent reason. I have an email saying they made an error, so my score was corrected and then they did the same thing as before within a week. Please contact them because this is a recurring issue in which I thing they are targeting me now. My Name is XXXX XXXX XXXX and the last four of my social is XXXX. My birthday is XX/XX/XXXX. My score was corrected on XX/XX/XXXX and dropped on XX/XX/XXXX. I want to inform them that if this continues to happen then I will have to seek legal counsel.
Consumer complaint received 2024-07-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I used the Capital One credit card to make advance payment instalments to a Contractor company for a kitchen remodeling project in my home. After the original 50 % cost was paid in XX/XX/XXXX, I paid two more installments ( 25 % and 20 % ) in XXXX, XXXX using the credit card. The contractor abandoned the project 6 months after starting, and I am now trying to open a dispute with Capital One ( XXXX XXXX : XXXX ) regarding the last installment of {$7900.00}. 

Capital One refuses to honor the dispute saying that the payment was made more than two months ago, and should have been disputed earlier. How can you dispute a service that takes more than 3 months to deliver within 2 months of paying the advance? In my case, the contractor worked very slowly on purpose and abandoned the project after 6 months. I took some time to make some unsuccessful attempts to reach out to the contractor. Now that the contractor has refused to complete the project, I am disputing some of the payments made using the Capital One credit card.

As a consumer, I pay using my credit card with the expectation that my payment is secure and I have recourse with the credit card company, if the service is not completed. There are so many things for which we pay more than two months in advance before the delivery is completed. In this case, initially Capital One kept asking me continually for more documentation. After I provide all they asked for, they tell me that the time to open the dispute has run out. Their dispute supervisor tells me that there is no way to escalate the issue higher up within Capital One.
Consumer complaint received 2024-08-08
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (WI)

Chase had an offer for a XXXX XXXX XXXX card advertised during a flight with an offer of XXXX points if you spend {$1000.00} in 3 months after opening. There was a link to email the offer that never came through. Chase will not honor the promotion and their customer service will only offer a link with inferior offers.
Consumer complaint received 2021-03-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Block, Inc. (NH)

Received card which we never applied for - no phone numbers on the credit card to attached paperwork. Attempted to call Square and phone system is temporarily not available ( for the last 7 business days ) Emails sent every day with no response.
Consumer complaint received 2024-02-04
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. (NC)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2024-02-03
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. (NJ)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2024-02-03
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. (NJ)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

I wish to employ my right as pertaining to 15 U.S. Code 6801 ( b ) ( 3 ). I am requesting for the XXXX  of unverified, old, false, and/or any other information which could result in my substantial harm or inconvenience.
Consumer complaint received 2024-02-03
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. (NC)

Per the FCRA, I am a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and nonverbal per 15 USC 6802 to report my information to a third party, effective immediately and indefinitely. I understand that the debt has been reporting late payments and can not be reported to my credit report. I am requesting compensation { {$1000.00} }, for every violation. According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states ( Permissible purposes of consumer reports, you can not report transaction history ). " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax, XXXX, XXXX etc. are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, " It is the policy of the 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 that customer nonpublic personal information. '' Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. '' I am opting out of the reporting services listed above as well as your company. Privacy Act of 1974 the Privacy Act of 1974, a law that protects the privacy of individuals by regulating the collection, maintenance, use, and disclosure of their records by Federal agencies. 15 U.S. Code 1681n - Civil liability for willful noncompliance for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or { {$1000.00} }, whichever is greater. Purpose and scope. ( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 313.13, 313.14, and 313.15. 433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.
Consumer complaint received 2021-03-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (PA)

On XX/XX/2020, a transfer of {$600.00} was sent from my account to the wrong person. it states CLEARLY at the top of the Cashapp recipient section to enter the name of the person you want to send money to. I dont understand how someone whom I dont know, nor in my contacts were able to pop up and receive my transfer. I requested for the person to return my money ( as per Cashapp ) and was denied and blocked by this stranger. I contacted Cashapp support team and they say they cant retrieve my funds. I cant lose out on that much money. Please help
Consumer complaint received 2023-05-29
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (OH)

I applied and received an Ashley Furniture card with 24 months deferred interest. The 24 months expired in XX/XX/XXXX. I called in XXXX to arrange to pay the remaining balance, so that I would not incur interest. I asked and was told to pay {$280.00} which I paid on XX/XX/XXXX. I specifically asked and was told that this would make the account {$0.00} and I would no longer owe synchronicity and money. This was a verbal agreement, that if I paid {$280.00} before XX/XX/XXXX. The account would be paid in full and closed. Since than synchronicity continues to call and harass me saying I owe more money, and late fees. They have added these false charges to my credit report. In 24 months I never missed a payment and this had ruined my credit. When I called in XXXX the customer service rep told me I owed {$280.00} and that would take care of the account. This constitutes a verbal agreement between myself and synchronicity.