davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-05
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. (SC)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's 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. 

Account Name : XXXX XXXX XXXX  Account Name : XXXX XXXX Account Name : XXXX XXXX  Account Name : XXXX Account Name : XXXX XXXX XXXX Account Name : XXXXXXXX XXXX Account Name : XXXX XXXX  Account Name : US DEPT. OF EDUCATION/XXXX
Consumer complaint received 2024-01-13
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. (MI)

This account was opened closed & reopen. Thats a violation & have late payment history not correct & last reported last active this account is not correct but this account was closed how they reopened it cause there just re-aging the account proof in XXXX. There comment of dispute in progress not on file thats a violation & its been over 30 days. XXXX  for proof PAYMENT HISTORY IS OUTRAGEOUS no lates but payment status says XXXX days & past due on collection no monthly payments is no right Accounts : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I dispute the debt on my account being pursued by your agency. Please provide details on the debt, including the amount, original creditor, and fees. Confirm your licensing to collect in Florida, as required by the Fair Debt Collection Practices Act ( FDCPA ). Additionally, produce the Forward Flow Agreement associated with my account. Cease collection activities until the requested information is provided within 30 days.
Consumer complaint received 2021-10-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc. (CA)

I was forced to send money {$170.00} via cash app on XX/XX/2021 for a payment of massage services. After a couple hours, I realized I sent to the wrong person and I send an email to this person but he would not respond to me. So, I contacted Cash App and they say they would investigate further. After three days, they closed my case and they said the best solution is to contact the person directly. I have not received a message back with these person so nobody including Cash App could not help me. I have all the details for the person below : XXXX XXXX and his email : XXXX Cash App account : XXXX XXXX
Consumer complaint received 2023-08-05
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: Experian Information Solutions Inc. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-22
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (MO)

I have repeatedly filed disputes with credit bureaus disputing the bill! They just keep changing the date the debt opened! They claim I owe {$4400.00} for a XXXX bill opened on XX/XX/XXXX and went into collections XX/XX/XXXX! After I disputed the debt as not mine they changed the opening date to XX/XX/XXXX and still never sent me a detailed bill! I have XXXX XXXX starting in XXXX up to XX/XX/XXXX when I switched to XXXX XXXX XXXX I even took my phone numbers with me to XXXX XXXX XXXX! They paid for us to switch! They claim I became late and in collections as of XX/XX/XXXX! If that was true how did I have service til XX/XX/XXXX when I switched and took my numbers with me! My phones and accounts would be canceled! I have contacted them several times by phone and they wont give me a detailed bill or investigate the bill! Its not mine
Consumer complaint received 2021-10-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (MI)

Commencing on or around XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX ( the Fraudsters or the Company ), with the design, development, manufacturing, promoting, marketing, distributing, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients through a predetermined cycle of client losses to gains in the equivalent of XXXX USD which was transferred from my wallet utilizing CashApp services.
Consumer complaint received 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

This complaint is for the multiple late payments found on my credit report as of XX/XX/2024. 

According to 15 USC 1681a 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 ; XXXX XXXX XXXX : something transacted : an exchange or transfer of goods, services, or funds Therefore reporting transaction history such as late payments are illegal. 

These transactions have reported on my accounts with XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX. 

15 USC 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX, XXXX, & Equifax are NOT maintaining reasonable procedures. Furthermore 12 CFR 1016.7 states that " A consumer may exercise the right to OPT-OUT at anytime. '' Once again I am OPTING OUT of your reporting services for violations listed above. 


NOTE : This is my 3rd complaint addressing these issues and nothing has changed. These transactions are damaging my credit score and affecting my life.
Consumer complaint received 2024-01-13
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. (TX)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

The Executors examined the surety report and discovered several instances where unauthorized access and sharing occurred. The mentioned accounts did not receive approval to access the Executor surety report, XXXX XXXX, and no direct benefit was obtained by us. These credit accounts were unauthorized, and we do not acknowledge them. Unless you can provide a copy of the authorization by the Executor, we request the prompt deletion of all accounts listed below. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX, account opened XX/XX/. This account has been closed for years and is over 7 years old, they are still reporting it as OPEN. Ive asked that they remove it due to it being closed and over 7 years old, each time they come back and say this account is active which is incorrect. I have not touched this account since XXXX. Please remove it immediately.
Consumer complaint received 2023-05-03
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

Ive sent in dispute letters to Experian, XXXX, and XXXX XXXX for 8 months straight since XX/XX/2022 and have not been notified of a status of my disputes at all. No one has done any work on my credit report for almost a year. That is unacceptable and violating my consumer laws.
Consumer complaint received 2024-05-22
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: TRUIST FINANCIAL CORPORATION (IN)

On XX/XX/XXXX and XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX my credit on XXXX seperate days within weeks apart that I did not authorize I want the two inquires removed immediately from my credit report. 

On XX/XX/XXXX Lightstream ran my credit report that I have no knowledge about and did not authorize and I want it removed immediately. 

On XX/XX/XXXX XXXX ran my credit report that I have no knowledge about and did not authorize and I want it removed immediately.
Consumer complaint received 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

The Executors reviewed the surety report and identified multiple cases where the report was accessed and shared without proper authorization. The mentioned accounts did not receive approval to access the Executor surety report, and there was no direct benefit received by us. The credit accounts in question were not authorized by the Executors XXXX XXXX XXXX XXXX and are considered nonconsensual. We do not recognize these inquiries, and unless you can furnish a copy of the authorization by the Executor, we request the immediate deletion of all listed accounts. 

XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2024-05-22
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: CLGF Holdco 1, LLC (IN)

On XX/XX/XXXX and XX/XX/XXXX destiny master card rn my credit on two seperate days within weeks apart that I did not authorize I want the two inquires removed immediately from my credit report. 

On XX/XX/XXXX XXXX ran my credit report that I have no knowledge about and did not authorize and I want it removed immediately. 

On XX/XX/XXXX XXXX  ran my credit report that I have no knowledge about and did not authorize and I want it removed immediately.
Consumer complaint received 2023-06-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Financial Business and Consumer Solutions. (TN)

I sent a letter in the mail on XXXX XXXX 2023 to XXXX XXXX Notice received XX/XX/2023 from XXXX XXXX Notice. I didn't get any response back for debt validation or verification that the debt belonged to me instead the collection company raised the amount balance on the credit report. XXXX XXXX has failed to respond back to me for more than XXXX calendar days. I have requested that the collection report on my credit report remove imminently. 

Note : Please see the attachment letter that was sent to XXXX XXXX.
Consumer complaint received 2021-08-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Block, Inc. (OK)

For the second time this week I have received a Visa Debit card that was fraudulently opened in my name. The first was from XXXX, I managed to get that account closed. The second one is a Cash APP on XX/XX/2021 this card from is Square Inc and also is fraudulent but there is no way to contact them to shut this it down.
Consumer complaint received 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
Consumer complaint received 2021-07-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (CA)

I sent my rent payment of {$100.00} through CashApp. Landlord accepted payment but had never used the program before and did not intend to create an account. He wanted payment some other way. I sent a refund request, which he denied because he did not understand the app. He told me to send another refund request. CashApp prevents that. So I sent a payment request for the same amount. When he tried to process that through the app, he was prompted to enter his social security number, which he did not want to do because he did not want to create an account. CashApp FAQs and their customer service rep on the phone said that the landlord does not need to put in a social security number to send the funds back to me. I reached out to CashApp to see if they could manually reset the refund request ( so that I could send it again ) or refund my money themselves. They said that because the landlord accepted the payment, they will do nothing, despite the fact that the landlord does not have an account and has no intentions of creating one.
Consumer complaint received 2024-01-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (MA)

To Whom It May Concern : Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692 et. seq., and the Fair Credit Reporting Act, 15 U.S.C. 1681 et. seq. that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address or any other personal identifiers, but a request for VALIDATION made pursuant to the above named Titles and Sections. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( Equifax, XXXX, and XXXX XXXX ) ; this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act and Defamation of Character. It would be constructive for you to note that the FCRA ( Fair Credit Reporting Act ) section 609 ( c ) ( 2 ) ( E ) states : " a consumer reporting agency is not required to remove accurate derogatory information from a consumer 's file, unless the information is outdated under section 605 or can not be verified. The can not be verified is the key phrase, as you can see. Since I challenged you and your staff to verify, and you can not, that means all financial institutions and credit reporting agencies concerned with my account are required to remove any derogatory information. It can not be deemed accurate if it can not be verified. If it can not be verified, then it is required to be removed, according to the FCRA. Please be advised that the alleged debt that you are attempting collect is uncollectable for the following reasons : XXXX. Creditor is in breach of any alleged agreement that it claims I am bound by. 2. Creditor failed to make full disclosure in its credit card agreement prior to soliciting my application to be bound by it. 3. Due to the breach and lack of full disclosure, you are attempting to collect an alleged debt from me, you are committing false, deceptive, or misleading representations or means, in violation of Section 807 of the FDCPA, 15 U.S.C. 1692e, committing fraud. 4. Creditor has failed to fully disclose the fact that it sold its credit card receivables relating to the alleged account that you claim I am bound by. This transaction is a securitization. 5. Due to the securitization of the initial outstanding balances of the alleged account, creditor is not a holder in due course, and therefore has no rights or interest in the receivables you are attempting to collect. XXXX XXXX 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 2024-05-21
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (MA)

I received an Amex Gift Card. I activated and checked the balance on https : //balance.amexgiftcard.com/ # /account. I attempt to use this on XXXX ( using {$1.00} less than the face value of the card ). And the transaction is declined. I then tried again with various other amounts less than the full face value. Each time a " temporary transaction '' hits the gift card reducing its value by {$.00} as shown in the attached screenshot. 

Many people have reported having this problem starting this past year.
Consumer complaint received 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Accounts not mines. Need them removed. These items have caused severe hard to my reputation, my character, my mode of living and to my family! I need the following accounts deleted. 

XXXX XXXX account number : XXXX account total : {$2300.00} Date Opened : XX/XX/XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXXXXXX  XX/XX/XXXXXXXX  account balance : {$1600.00}
Consumer complaint received 2024-04-05
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: Experian Information Solutions Inc. (IN)

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person 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 ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please. 
I haven't been doing any car shopping, The only inquiries that should be on my credit report are XXXX XXXX or XXXX XXXX. I have no ties or dealings with all other companies running my credit whether it's for financial or promotional. The following inquiries are not authorized, again PLEASE SEND ME MY WRITTEN SIGNATURE where I authorized my credit to be ran. 
The following inquiries need to be deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( which was ran twice )XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX
Consumer complaint received 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

The Executors scrutinized the surety report and identified several cases where the report was accessed and shared without proper authorization. The mentioned accounts were not granted approval to access the Executor surety report, XXXX XXXX, and there was no direct benefit received by us. These credit accounts were nonconsensual, and we do not recognize them. Unless you can furnish a copy of the authorization by the Executor, we request the immediate deletion of all accounts listed below. 

XXXX XXXX XXXX XXXX.