davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-12
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: EQUIFAX, INC. (NY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX XXXX NY XXXXXXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$10.00}.
Consumer complaint received 2024-02-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Northstar Location Services, LLC (MI)

XXXX XXXX account closed and showed a balance of {$1000.00} that was payed in full on XX/XX/2024. Ive attached a letter to remove the item off of my credit report. 

XXXX XXXXXXXX
Consumer complaint received 2023-07-11
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: FORD MOTOR CREDIT CO. (FL)

In accordance with the Fair Credit Reporting Act XXXX XXXXt ( s ) Name ( s ) and Number ( s ) : Account name : XXXX XXXX XXXX ; Account number : 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 2022-11-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc. (NY)

I received an invoice from XXXX XXXX with email XXXX, invoice is for payment on the goods I already received, so I paid {$950.00} each for XXXX items, using my card ending in XXXX only for XXXX XXXX to reach out to me, that the transaction was on hold, I reached out to my bank and they confirmed the money successfully posted, tried reaching out to square but it has proved abortive money should be released to XXXX XXXX as theres no charge back or dispute I have successfully picked up my item before making payment
Consumer complaint received 2024-04-25
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. (FL)

I was reading my credit report and noticed that i had a few inquires that werent authorized please remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from my report according to FCRA Section 605 ( a ) any inquiry that is related to fraud should be deleted from my credit report.
Consumer complaint received 2023-04-27
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: EQUIFAX, INC. (TX)

This is my fourth 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX - XXXX XXXX  Inquired on XXXX XXXX, XXXX  XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX  XXXX Balance : {$130.00}
Consumer complaint received 2024-04-25
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. (LA)

TRANSUNION CONSUMER XXXX XXXX XXXX XXXX XXXX, PA XXXX To whom this may concern, After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks. 

XXXX XXXX XXXX No account number displayed As of XX/XX/XXXX per a CFPB response from XXXX XXXX XXXX, they are unable to locate an account based on the information provided ( full name and account number listed on report ). I have never done business with XXXX XXXX XXXX so this is accurate. The letter is attached. 

As you know it is against the law to report any information not proven accurate. According to the FCRA 605B ( 15 U.S.C. 1681c-2 ) it is illegal to report any information on my credit report without my permission.

I demand that you provide me with concrete evidence of my obligation to said accounts. I will be seeking no less than {$5000.00} in damages for, but not limited to : 1 ) Defamation ; 2 ) Negligent Enhancement of Identity Fraud ; 3 ) Violation of the Fair Credit Reporting Act and Consumer Financial Protection Bureau. 

I am not in dispute of the ownership of the account but if you are unable to to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit report Please be aware that all negative remarks found on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. 

Best Regards, XXXX : XXXX Without Prejudice, All Natural Inalienable Rights Reserved
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

THIS CREDITOR HAS WRITTEN THIS ACCOUNT AS A PROFIT/LOSS. I'VE CONTACTED XXXX TWICE PLEADING FOR THE 1099C TO BE ISSUED SO THAT IT CAN BE FILED WITH MY TAX RETURN. I'VE HAD NO SUCCESS AT OBTAINING THIS DOCUMENT AFTER NUMEROUS REQUEST. PER IRS, ONCE THE ACCOUNT IS CONSIDERED PROFIT/LOSS IT IS NOW TAXABLE INCOME FOR THE CONSUMER. 

THIS ACCOUNT IS NO LONGER VALID AND INCOME CAN NOT BE REPORTED ON TO A CREDIT PROFILE. I HAVE CONTACTED THE CREDIT REPORTING AGENCIES ATTEMPTING TO GET THIS RESOLVED. I AM REQUESTING THAT MY CREDIT PROFILE IS UPDATED WITH THE CORRECT INFORMATION, THERE SHOULD NOT BE A BALANCE. 

REPORTING INCOME TO MY CREDIT PROFILE IS IN VIOLATION OF 15 USC 1681E ( B ). THESE COMPANIES HAVE THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY TO MY CONSUMER REPORT.
Consumer complaint received 2024-04-24
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)

Transunion, XXXX, and XXXX have failed to provide documentation to proof the XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX belong to me. I have disputed these accounts directly with all 3 credit bureaus for over 12 months. Further, all of the account numbers at all 3 companies are not verifiable, high balances reported can not be corroborated because I have not received any reply correspondence from these companies!
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OK)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2023-04-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted a letter to the 3 Credit Bureaus on XX/XX/2023 to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX Balance : {$3900.00}.
Consumer complaint received 2024-04-24
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. (NJ)

My understanding is that FCRA 605B requires us to eliminate any incorrect accounts from my credit report. Could you check the documents, please? Some of the accounts listed have inaccuracies in their reporting, including incorrect amounts and dates.
Consumer complaint received 2024-04-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (GA)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2024-04-25
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (TX)

Hello my name is XXXX XXXX and my social security number is XXXX. 
I have a XXXX from the VA.Gov Veteran 's XXXX XXXX and The www.USA.Gov Government and I have to tell you in order for you to help me further in my research. 

My contact information is XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX In order to save Myself a mental breakdown you can ask Cash app/Square Company for ALL The customers support messages I have sent them. They have failed to do some refunds for some money stolen from me while I was XXXX XXXX XXXX XXXX XXXX 

The issue with my money is a refund I need on the amounts of $ XXXX, $ XXXX {$300.00} And any other issues u have I did recently open up a new account so I might have an old inactive account from cash app. 

My XXXX cash app account links are $ XXXX And $ XXXX ( I currently not use ) $ Antonioreyestx Please contact www.fcc.gov to get access to my phone records.

Maybe www.nsa.gov might have access too Please contact the cash app company. 

XXXX https : //cash.app/contact
Consumer complaint received 2024-04-25
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. (AL)

I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries and addresses are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2024-04-25
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. (CA)

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 any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these items. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2024-04-25
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. (MA)

Inquiry from XXXX XXXX on XX/XX/year>. 
I previously disputed this inquiry stating : ''There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or delete this inquiry
Consumer complaint received 2024-08-26
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. (IL)

The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-08-26
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. (MN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

I am formally disputing and requesting the correction of inaccurate data on my credit report regarding late payments. It is crucial that this account is corrected to accurately reflect the payments and that any erroneous information is rectified promptly. In cases where delinquency is reported, I insist that the payment date be appropriately reflected to cover the delinquent period. Any reported late payment was rectified by making a payment within a reasonable timeframe. Therefore, I expect the credit report to accurately represent the payments made, without any indication of missed or late payments. I have diligently met my financial obligations, and it is essential that my credit report reflects this accurately. The inaccurate reporting of late payments is not only misleading but also damaging to my creditworthiness. 

XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

I strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.
Consumer complaint received 2023-11-08
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: Experian Information Solutions Inc. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-25
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. (OH)

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 2024-04-25
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. (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.

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 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX 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 2024-08-26
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. (CA)

I found out that my brother was using my personal information to obtain credit cards and loans. i knew that i had to take care of this but i hesitated because i didnt want my brother to get in trouble. now i must take care of this regardless of the consequences
Consumer complaint received 2024-06-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (OH)

On about XX/XX/year> I logged into my chase account and noticed unauthorized transactions from a company XXXX XXXX  These transactions were thru XX/XX/XXXX, XXXX XX/XX/year>. I immediately called my bank to report this. I was given a claim number and a couple days later I was given a temporary credit. A couple days after that the credit was reversed. I went in a branch after this to escalate my dispute and asked why it was reversed. I was told I could not be given an information at the time but my dispute had been escalated. Since then I have heard nothing from the bank about my dispute whatsoever. This was a new account and Ive barely used it. I have never had any relationship with the company XXXX XXXX. And Ive never authorized any transactions with them whatsoever not credit or debit or anything. I didnt authorize these to. And the bank is refusing to refund my money.