davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-25
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: OneMain Finance Corporation (PR)

One Main Financial. They inquired my credit report on XX/XX/2022. They did this without my authorization. I sent a letter on XX/XX/2022 asking for proof of my consent or have the inquiry removed. They falsely claim that they obtained my consent through a third party called XXXX XXXX. I have never requested credit from neither of them. They also said they are not going to seek removal of the inquiry.
Consumer complaint received 2024-04-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts 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. Please see attached file for these items I am complaining.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current (LA)

In XXXX  I came home and my bank account with current bank had suffered from fraud ( unauthorized transactions ) by the time they caught the fraud it had a remaining balance of XXXX when I talked to the representative about the refund check that was supposed to be sent I informed her that my address had changed because I was the victim of theft fraud assault and more. She sent my check to the unsecured address anyway and the check was stolen ( no surprise there ) not only can I no longer bank with current but they refuse to issue another check.
Consumer complaint received 2023-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIRST HAWAIIAN, INC. (NV)

I paid off my Car Loan with First Hawaiian Bank on XX/XX/23 and was told that my credit should update at the end of XXXX because it usually takes a month now it's almost end of XXXX and my credit report is still showing that my loan is open and owing.
Consumer complaint received 2021-09-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Block, Inc. (FL)

I have already contacted the companies involved and Square Inc. refuses to provide any support. All of the other companies have been very forthcoming and helpful. 

On XX/XX/2021 at XXXX a charge posted to my XXXX credit card ending in XXXX in the amount of {$4900.00} from XXXX XXXX XXXX via XXXX ( Square Inc. ) On XX/XX/2021 at XXXX I spoke with the accounting department for XXXX XXXX XXXX in XXXX XXXX, Florida. They not have a charge in that amount on that day. They also do not use Square. 

On XX/XX/2021 at XXXX Square responded they would investigate the issue. 

On XX/XX/2021 at XXXX Square instructed me to contact local law enforcement. Square did NOT provide any of the transaction information I requested.

To date Square refuses to provide any transaction information or accept responsibility for not doing their due diligence. The transaction was completed using false information that square freely accepted as fact. 

I have plenty of supportive documentation to provide.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I reviewed my Consumer Reports and noticed that I have late payments on a XXXX store card & a XXXX  authorize user card. That I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information that is VERIFIED & AUTHORIZED. I as a consumer never verified nor authorized any of the false information being reported. This is a VIOLATION OF MY RIGHTS as a consumer. I also never gave you my written or oral consent to report this false information. Which is causing DAMAGES to my RIGHT to be extended credit. I have NEVER been late on a payment. I demand all payments to be updated to paid on time as I the consumer was never late on a payment.
Consumer complaint received 2023-05-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC. (NJ)

Citizens Bank is using my email address XXXX for another customer also named XXXX XXXX. I made them aware on XX/XX/2023, but I am still receiving this customer 's banking details as of yesterday, XX/XX/2023. I am also receiving emails for some of his other accounts. Per XXXX, XXXX and XXXX are both mine. The period does not matter.
Consumer complaint received 2021-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Block, Inc. (IL)

I got a card from Cash App card in my maiden name I have not applied for a cash app card. And I haven't used my maiden name in 11 years. Someone got a cash app card in my maiden name and I'm afraid they are using it for fraudulent activities banking activities and I'm afraid someone is trying to steal my trying to steal my identity and mess up my credit.
Consumer complaint received 2021-01-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Block, Inc. (PA)

I had sent my friend {$100.00} on the cash app today, but it wants through on my end, but she told me she didn't get it, and it was failed on her end, and I was billed for the payment by my bank. Please help me with the receipt identifier is # XXXX. My cash app is XXXX XXXX, and my bank proof is INFORMATION Description CASH APP*XXXX  XXXX XXXX CASH APP*XXXX Type Debit Card Withdrawal Status Posted Amount - {$100.00} Previous Available Balance {$1100.00} Posted Date XX/XX/2020 Card Ending XXXX Category Communications/Telephone my email is XXXX, and her cash app is XXXX XXXX
Consumer complaint received 2023-12-06
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

XX/XX/2023 I received a civil summons from XXXX XXXX XXXX, as Portfolio Recovery Associates LLC as the Plaintiff and myself as the defendant. Several items were sent to me but not all required documentation according to the Consumer Financial Protection Bureau. I responded with a certified letter to Portfolio Recovery Associates LLC., asking for validation of the debt. I havent received any information from Portfolio Recovery Associates LLC., in writing verifying the debt according to the Consumer Financial Protection Bureau . Also according to the CFPB, once I disputed the debt, the debt collector has to stop all debt collection activities until it provides me the verification of debt. Well as of XX/XX/2023, I have a court date scheduled for XXXX XXXX from Portfolio Recovery Associates LLC., still taking legal action against me without providing all verification of debt according to the Consumer Financial Protection Bureau .
Consumer complaint received 2023-11-18
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. (TX)

Please view attachments. Lender is hereby notice that they have 72 hours upon receipt of this notice to enter a rebuttal. Failure to enter a rebuttal means that the lender admits to having no claims to this account and thereby forever release clams against the borrower.
Consumer complaint received 2024-04-16
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. (FL)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXXXXXX 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 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

I am writing to file a formal complaint against Equifax, a credit reporting agency, regarding inaccurate hard inquiries listed on my credit report. According to the provisions outlined in the U.S. Code 15 1681 and other relevant laws governing consumer credit reporting, I believe Equifax has violated my rights by failing to ensure the accuracy of the information on my credit report. 

On XX/XX/XXXX, I sent a letter to Equifax addressing the presence of nine hard inquiries on my credit report, which were dated between XX/XX/XXXX and XX/XX/XXXX. These inquiries are erroneous and have had a detrimental impact on my creditworthiness. 

Enclosed with this complaint is a valid copy of my identification, confirming my identity and current address, as well as a copy of my credit report highlighting the inaccuracies in question. Despite providing Equifax with ample time to investigate and rectify this issue, they have failed to respond satisfactorily. 

According to the Fair Credit Reporting Act ( FCRA ), Equifax is obligated to conduct a thorough investigation into disputed items on consumers ' credit reports. Furthermore, under the FCRA, inaccurate information must be promptly corrected or removed from the report. 

Therefore, I am formally requesting that Equifax initiate an investigation into the aforementioned hard inquiries and promptly delete them from my credit report. I demand that Equifax comply with this request within 30 days of receipt of this complaint. Failure to do so will leave me with no choice but to pursue legal action, seeking damages of {$1000.00} for each inaccurate inquiry, as permitted by law. 

I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will take appropriate action to ensure that Equifax fulfills its legal obligations. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2023-11-20
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. (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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights . Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-09
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. (PA)

I have mailed a dispute to the credit bureaus 45 days ago and have not received a response. Not a letter nor an email in regards to my dispute. I am a victim of identity theft. I have provided my FTC reports. According to FCRA, within 30 days after receiving my dispute the credit bureau is responsible to resolve the dispute. They are now in violation of the FCRA for not responding in a reasonable timeframe.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I'm drafting this because I have contacted the credit bureaus and the creditors and informed them that I've been an identity theft victim and there were fraudulent accounts reported on my credit report. Thus far, XXXX hasn't removed the fraudulent charges from my credit report. I don't have time to contact XXXX every day because when I get them, their representative tells me that they will remove the fraudulent account from my credit report, and then they don't do it. Or they'll let me know we filed for a dispute, and when I call back to check on my argument, they tell me it was never filed. XXXX is the most untrustworthy credit bureau ever. They report fraudulent accounts and fraudulent information to the credit bureau. They break the law by not following proper dispute procedures. In addition, their employees act as lawyers and pretend to know how they can interpret the law, which is vastly illegal because they're not lawyers. I followed the proper procedure and informed them through an identity theft report that I filed with the Federal Trade Commission that states and identifies which accounts are fraudulent and must be removed from the credit report. They continuously disregard my request when I tell them to dispute the fraudulent accounts and remove them from my credit report. Therefore, they deserve the harshest fines and punishment due to committing and being part of the fraud themselves. Again, I'm not saying this to slander XXXX or the banks that opened fraudulent accounts under my name, Bank of America, and XXXX XXXX I'm merely stating that there are fraudulent accounts that must be removed from my report.
Consumer complaint received 2024-04-16
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)

I just recently looked at my credit report on XX/XX/XXXX. I saw some hard inquiries that did not have permissible purpose. I have also attached [ XXXX - XX/XX/XXXX ], This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b [ XXXX  - XX/XX/XXXX ], This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b [ XXXX XXXX XXXX - XX/XX/XXXX ], This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b [ XXXX XXXX XXXX - XX/XX/XXXX ], This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b [ XXXX XXXX XXXX - XX/XX/XXXX ], This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b [ XXXX XXXX XXXX - XX/XX/XXXX ], This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b [ XXXX XXXX XXXX - XX/XX/XXXX ], This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b
Consumer complaint received 2023-11-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (AR)

On about XX/XX/2023, I was served a civil summons from Plaintiff MIDLAND CREDIT MANAGEMENT , INC through their Attorney XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, XXXX TN XXXX ; notifying that this debt collector was suing me. I responded to the attorney via certified mail on XX/XX/2023, I demanded validation and proof of claim in accordance with the FDCPA, 15 USCG 1692 et seq and the fair credit billing act, 15 U.S.C. 1666. I have confirmed through my returned receipt they received it on XXXX XXXX. I did not receive a response to my request from their attorney and instead received an invoice on XXXX XXXX dated XX/XX/2023 directly from Midland Credit Management XXXX XXXX XXXX notifying me a lawsuit has been filed against me signed from a XXXX XXXX XXXX Group Manager. Warning me that judgement may be seeked against me. I have no contract with this company nor have they addressed anything in my dispute of this alleged debt.
Consumer complaint received 2023-05-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (UT)

I received a letter in the mail a few days ago from Convergent Outsourcing , Inc. in regard to a debt collection of {$1400.00} that I do not owe. Due to the fact that I have no recollection of the said account that are referring to. I am an identity theft victim as of XXXX. I have a police report, and a FTC report, and my credit file reflects this status. 

I am going to be emailing the company at XXXX with this report attached, along with the police report and a cease and desist order. 

That any further reports on the credit, communication, etc will be automatically forwarded to my attorneys and their teams.
Consumer complaint received 2023-11-17
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. (NY)

On experian credit report theirs is one negative item account ending in XXXX 60 days late experian credit supposed to remove the negative account in 24 hours I have a federal trade commission identity theft report on file please have experian remove the account right away social security number is XXXX
Consumer complaint received 2023-11-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Two frauds were done in my account first one was resolved the second one was filed and they want me to wait 72 hours for a response its friday that money was for me to pay my rent and they dont care they say they do but they dont have more resources to help me with being a big company they can not do more today XX/XX/2023 is the last day to pay rent landlord stated he will start evcition and will not stop it.