davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-15
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)

This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were 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 relating to any transaction by the consumer. 
XXXX XXXX XXXX ; XXXX XXXX ; 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, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$2700.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$20000.00} ; XXXX XXXX Balance : {$1100.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$2500.00}.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

'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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-01-24
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (WI)

I filed two complaints with two different Credit companies and I was asked for more information and was told to call you and now Im filing a complaint because I have never had a account or any kind of business with XXXX XXXX XXXX
Consumer complaint received 2023-05-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

On XX/XX/2023, a deposit that had been made into my account had cleared. On XX/XX/2023, Bank of America allowed a cleared deposit to reverse without any authorization from me. When I contacted the bank on XX/XX/2023, the customer service representative could not explain why the bank allowed a reversal of a cleared deposit.
Consumer complaint received 2023-07-15
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. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$14000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2900.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$530.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$500.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-15
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. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXXXXXX Balance : {$2400.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXXXXXX Balance : {$2100.00} XXXX XXXXXXXX Balance : {$3500.00}
Consumer complaint received 2023-11-24
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. (IL)

I recently received a copy of my Experian, XXXX and XXXX consumer/credit report for the first time just to check to see if everything was reporting accurately. I noticed a few accounts on my consumer report that I did not give written authorization to report. On top of me not giving authorization I also noticed that the accounts on there are reporting my transactions and experiences with me ( the consumer ) and the companies which is against the law ( 15 U.S. Code 1681a ) Consumer report EXCLUSIONS ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; With that being said, I need these AGENCIES to immediately stop reporting my personal and financial information without my written consent and without following the proper guidelines to furnish a consumer report and demand that these accounts be removed from my consumer report/credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-15
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. (OH)

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 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 Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$980.00} ; XXXX XXXX Balance : {$4200.00} XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I am writing to file a formal complaint regarding the ongoing and egregious violations of my consumer rights by XXXX, XXXX, and TransUnion. Upon reviewing my credit report, I have discovered numerous instances of personal information being reported without my consent, including fraudulent accounts, unauthorized addresses, incorrect names, and inaccurate dates of birth. 

Despite my repeated attempts to rectify these issues by reporting them to the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and the respective credit reporting agencies on more than five occasions, the problem persists. Each time I bring these matters to the attention of the relevant authorities and companies, temporary remedies are applied, only for the same inaccuracies to resurface on my credit report shortly thereafter. 

This pattern of behavior has not only caused undue stress and inconvenience but has also put my financial well-being and personal security at risk. It is unacceptable that these companies continue to disregard my rights as a consumer and fail to uphold their obligations under the Fair Credit Reporting Act ( FCRA ). 

Attached to this correspondence, you will find documentation supporting the validity of my claims, including correspondence with the aforementioned agencies and evidence of the recurring inaccuracies on my credit report. 

I urge you to take immediate action to address these issues and ensure that my consumer rights are upheld. I expect a prompt and thorough investigation into this matter, as well as the implementation of measures to prevent similar occurrences in the future. 

Thank you for your attention to this matter. I look forward to your timely response and resolution of these issues.
Consumer complaint received 2023-07-15
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. (TX)

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$550.00} XXXXXXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$690.00} XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$540.00} XXXXXXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$690.00}
Consumer complaint received 2020-09-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (TX)

I contacted Cash App at the following number! XXXX. All communication was done via text. I was just trying to send my girlfriend XXXX for a plane ticket to fly from XXXX, Ohio to XXXX XXXX, TX. My Banks XXXX and XXXX lookup the action of this cell phone application as a scam and or fraud and blocks all attempt to withdraw funds from any account. I have attached the entire text of our deals to this compliant in PDF form.
Consumer complaint received 2024-04-17
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. (SC)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2023-11-24
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 U.S. Code 1681i - Procedure in case of disputed accuracy Party Owed : XXXX XXXX XXXX Amount : {$22000.00} Account : XXXX Party Owed : XXXX XXXX XXXX XXXX Amount XXXX XXXX XXXX Account : XXXX Party Owed : XXXX XXXX Amount XXXX XXXX - Account : XXXX Party Owed : XXXXXXXX XXXX XXXX  XXXX Amount XXXX XXXX - Account : XXXX Party Owed : XXXX XXXX Amount : XXXX XXXX Account : XXXX Party Owed : XXXX XXXX Amount : XXXX - Account : XXXX ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 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, I want to make this clear that this is I, XXXX XXXX and not a credit repair company sending out this notice to you.
Consumer complaint received 2023-08-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (NJ)

I have deposited several XXXX dollars into the chime account. Now I am looking to make a car purchase and would like to transfer those funds into my XXXX account so I can put a down payment. Chime does not allow me to make a purchase of more than {$1200.00} a day. I can only draw {$500.00} a day as well. This is why I would like to transfer these funds into another account, but I am unable to. When I go into their mobile application, it does not allow me to perform this act. When I call the helpline, they tell me there is a glitch. But the glitch is ongoing and never fixed.
Consumer complaint received 2023-08-31
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. (MI)

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 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 2024-04-17
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 XXXX XXXX  acct XXXX and XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 Section 602 A States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BMW Financial Services NA, LLC (GA)

I have already provided the necessary documents for identity theft as well as proven the information has multiple inconsistencies across each credit bureau and requested that the validity of the accounts be properly verified. All parties have failed to provide me that proof. I have also found a publication on the IRS website in which the IRS defines a charge off as gross income ( Section 61 ( a ) ( 12 ) of the Internal Revenue Code specifically includes income from discharge of indebtedness as gross income. ) INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes the reporting inaccurate and fraudulent!
Consumer complaint received 2020-08-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (MA)

On XX/XX/2020 my uncle sent me {$200.00}. On XX/XX/2020 Cashapp locked my account due to what it called suspicious activity. I contacted Cashapp to request the account be unlocked. I explained that I need my money to pay rent. Cashapp hasn't responded and still have my account locked.
Consumer complaint received 2019-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LEXISNEXIS (IN)

On XX/XX/2019 I sent a certified validation letter to Lexis Nexis asking them to validate a bankruptcy listing. They responded with a full report under my name that had a bankruptcy listing with inaccurate information. I also sent in the certified mail proof from the alleged bankruptcy court that they do not validate and or communicate directly with any third parties. It appears Lexis Nexis ignored that information. If you look at the attachment which is a copy of what they sent me in regards to the bankruptcy listing they DO NOT have a File Date just some random number which is repeated under the LAST DATE SEEN. They also do not have a DISPOSED/DISCHARGED DATE which would be needed if they were going to send this information to the bureaus and report anything that could potentially negatively impact a consumer financial well being. The information that they have does not match what the bureaus are reporting so how is that the bureaus got their information from Lexis Nexis? To add to this, Lexis Nexis HAS THE BANKRUPTCY LISTED TWICE! This is absolutely ERRONEOUS AND UNFAIR CREDIT REPORTING! They have given my information or to Equifax while their is a SECURITY FREEZE ON MY ACCOUNT because I have been so afraid of a family member putting things in my name. I have so much proof on Lexis Nexis. Please see the attachments. This must be removed IMMEDIATELY!
Consumer complaint received 2023-11-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CT)

My credit report has incorrect personal information such as multiple name errors and a wrong social security number. The social is incorrect with Experian, who also tell me I own and am financing a vehicle that a family member has the exact make/model. The loan for the vehicle I was told started at the time they that would make sense with this issue. I have had many other matters in regards to fraudulent trust, student loan, and social service accounts with this individual. All of which I have substancial evidence of wrongdoing. As this person is my mother, she has had all information of mine. I had a phone number with her account, used her address for mail, etc.
Consumer complaint received 2023-07-15
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XX/XX/2023 Experian, XXXX, XXXX Subject : Dispute and Demand for Removal of Inaccurate Late Payment from Credit Report Dear Experian, XXXX, XXXX I am writing to formally dispute and request the removal of a late payment entry on my credit report. According to the provisions outlined in the Fair Credit Reporting Act ( 15 USC 1681 ), the Truth in Lending Act ( 15 USC 1666 ), Bravo section 602, Alpha ( Section 602 of the Fair Credit Reporting Act ), 15 USC 1681b, and 15 USC 1666, I believe this entry to be inaccurate and in violation of my rights as a consumer. 

On XX/XX/XXXX of 2023, it was reported that I had made a late payment on XXXX XXXX XXXX. However, upon reviewing my records, I have found evidence that contradicts this information. there is not signed contract and not evidence of stament of bill mailed,20 days prior to the payment due date, also and not identity verification process confirmed It is important to note that under the Fair Credit Reporting Act, credit reporting agencies are required to ensure the accuracy and integrity of the information they report ( 15 USC 1681b ). In this case, the inclusion of the late payment entry without proper verification or investigation has resulted in a violation of my rights as a consumer ( 15 USC 1681 ).

Furthermore, the Truth in Lending Act ( 15 USC 1666 ) establishes my right to fair and accurate reporting of credit information. The inaccurate reporting of a late payment adversely affects my creditworthiness and financial standing, and it is imperative that this erroneous entry be promptly removed from my credit report.

In light of the aforementioned legal provisions, I kindly request that you investigate this matter thoroughly and, if found inaccurate, remove the late payment entry from my credit report. I expect this request to be fulfilled within the legally required timeframe of 30 days.

Failure to comply with this request and rectify the inaccurate reporting may result in further legal action to protect my consumer rights. Please provide written confirmation of the investigation and resolution of this dispute within 30 days of receiving this letter.

Thank you for your prompt attention to this matter. I look forward to a swift resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-08-31
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. (KY)

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.