davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-01
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. (NJ)

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 3rd party. They in fact did not come from a 3rd 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 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I have attached the letters that I sent to XXXX and they have illegally denied my requests stating that it was a third party. I created and sent these letters myself. Please see attached letter that was mailed to me from XXXX.
Consumer complaint received 2023-11-02
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)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2022-12-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc. (TX)

On XX/XX/XXXX a friend loaned me {$800.00} Since XXXX of XXXX  I have been banking with XXXX XXXX  and transferring funds to my debit card ending in XXXX On the XXXX I attempted to transfer the funds to the debit card that I have been using and they sent the funds to a debit card ending id XXXX Which is a card that was issued by the now defunct bank XXXX XXXX Square has refused to own up to their mistake and instucted me to go to XXXX and retreive the funds myself Now because of my persistence to resolve this issue they have blocked me from being able to communicate with them XXXX XXXX
Consumer complaint received 2023-09-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (TX)

EdFinancials has supposedly moved to a new portal and requires all borrowers to create a new account. Interest starts accruing today ( XX/XX/23 ) but I still haven't gotten a new account login. EdFinancials advised not to make any payment UNTIL the transfer is complete. 

It is unfair that I will be getting interest accrued without the ability to sign up for an account or make payments for it. Their way of handling this situation is very unprofessional, and unethical. 

I've emailed them, called them, and filed complaints on Studentaid.gov to shed light on this issue.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX ).
Consumer complaint received 2024-02-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc. (GA)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-04-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (DE)

I am writing to dispute accounts and inquiries reported on my consumer credit report referenced below, which are the result of unauthorized inquiries. I demand verifiable proof bearing my signature or electronic signature, as I never authorized such actions. This constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B, regarding the block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ], and Fair Credit Reporting Act Section 604.

Regarding the disputes with Equifax Information Services LLC, I am providing the following details : Erroneous Current Address : XXXX. XXXX XXXX XXXX, XXXX XXXX, XXXX, DE XXXX - Rectify immediately by updating this item. 

Billing Errors and Inaccurate Reporting : XXXX. XXXX XXXX XXXX XXXX, Account Number : XXXX - ( Secured Credit Card ) - A billing error under 15 USC 1666B is evident. Payments are consistently made on time. Rectify these inaccurate late payment reports immediately. 

XXXX. DEPT OF EDUCATIONXXXX, Account Number : XXXX ( Education Loan ) - This account egregiously violates federal law ( 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) ), severely damaging my credit. Rectify this immediately by verifying and removing this item. 

XXXX. XXXX XXXX, Account Number : XXXX ( Credit Card ) - This account blatantly violates federal law ( 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) ), causing extensive harm to my credit. Rectify this immediately by verifying and removing this item. 

Unauthorized Inquiries : XXXX. XXXX  XXXX, on XX/XX/XXXX, made an unauthorized inquiry. This flagrant breach of federal law ( 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) ) tarnishes my credit. Remove this item immediately. 

XXXX. XXXX XXXX XXXX, on XX/XX/XXXX, made an unauthorized inquiry. This blatant violation of federal law ( 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) ) tarnishes my credit. Remove this item immediately. 

XXXX. XXXX XXXX XXXX, on XX/XX/XXXX, made an unauthorized inquiry. This unacceptable breach of federal law ( 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) ) tarnishes my credit. Remove this item immediately. 

XXXX. XXXX XXXX XXXX, on XX/XX/XXXX, made an unauthorized inquiry. This egregious violation of federal law ( 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) ) tarnishes my credit. Remove this item immediately. 

The listed items are gravely inaccurate and represent a severe error.
Consumer complaint received 2023-12-13
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Incomm Holdings Inc. (MN)

In XXXX, I notified Vanilla Gift Cards that XXXX {$500.00} cards I had purchased at XXXX XXXX  XXXX, MN, had been tampered with and were unusable due to fraudulent activity. I sent documentation of my purchase and of the scratched off security codes on the cards and requested replacement. Initially, they sent XXXX {$500.00} replacement and XXXX {$0.00} replacement cards. I called and emailed several times about the mistake and each time I was told theyd erred and would send the XXXX remaining replacement cards. Nearly XXXX months later, I am at my wits end.
Consumer complaint received 2023-09-15
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. (WI)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items 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 XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$6700.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-12-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (MO)

Money was stolen off of my cash app account. I tried to request the money back, the sender cancelled my request. I disputed the transactions to cash app and they said sorry theres nothing they can do. 

Date XX/XX/2022 {$45.00}
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-08-16
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Bridgecrest Acceptance Corporation (PA)

I refinanced my vehicle. The payoff has been received by my previous finance company and verified by my new one. This has been almost 2 months ago and the previous company has still yet to apply the payoff funds to my account.
Consumer complaint received 2023-06-15
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: EQUIFAX, INC. (AZ)

Hello my name is XXXX XXXX DOB XX/XX/, last 4 of SSN XXXX, I am contacting you today because I took a look at my credit report and I noticed that there is an account on there that was not authorized by me, ( XXXX XXXX XXXX ) ( XXXX XXXX XXXX XXXX ) in the amount of {$770.00}. Account # ending in XXXX. I have never been to this institute before and when i contacted the institute they gave me the run around and told me there wasn't much that they can do. I believe I have become a victim of fraud, can you please help me to get them to share proof that this account is mine.
Consumer complaint received 2023-09-25
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. (IL)

XXXX in accordance with the Fair Credit Reporting act XXXX XXXX number 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 als o states a consumer reporting agency can not furnish a account without my written instructions. 


2. in accordance with the Fair Credit Reporting act XXXX XXXX number XXXX 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 a account without my written instructions.

3XXXX in accordance with the Fair Credit Reporting act XXXX XXXX number 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 a account without my written instructions.

4. in accordance with the Fair Credit Reporting act XXXX XXXX number 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 a account without my written instructions.

5. in accordance with the Fair Credit Reporting act XXXX XXXX number 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 a account without my written instructions.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Grain Technology, Inc. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THE ACCOUNT LISTED I HAVE DISPUTED AND ALL THEY HAVE ALL REMAINED ON MY CREDIT REPORT, I HAVE REQUESTED VALIDATION OF THE DEBT AND COPIES OF SIGNED CONTRACT AND NON OF THEM HAVE COMPLIED. THE COMPANIES HAVE EITHER SIMPLY STATED THAT ITS VALID WITHOUT ANY DOCUMENTATION TO PROOF IT. I HAVE ALSO CALLED EACH OF THESE CREDITOR TO LET THEM KNOW IM THE VICTIM OF IDENTITY THEFT WITHOUT ANY HELP
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Credit Karma (IA)

I recently had to review my credit report again because I can not cash a check anywhere I have three or four checks right now that I can not I can not obtain any money because of my credit score. So I obtained my reports from XXXX XXXX and XXXX. I had already filed the complaint about XXXX XXXX and they're inexperienced to determine financial decisions yet financial institutions Trust them enough to rely on their score to determine whether a consumer is eligible for banking or not. But in my report from XXXX XXXX, it shows that I have hard inquiries through XXXXXXXX to credit karma. So if I open up a website such as credit karma that is going to be put onto my credit report as a hard inquiry because that's what it looks like cuz I did not apply for any credit cards or any financial loans all I wanted was my credit report and when I look at this report that XXXX XXXX sent me yesterday it shows that a hard acquired credit karma through XXXX which is absolutely false
Consumer complaint received 2023-11-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rausch Sturm LLP (MD)

- I sent a Correspondence to XXXX XXXX XXXX, dated XXXX. It was regarding a request for validation of alleged file # XXXX, per the FDCPA 15 U.S. Code 1692g & 12 CFR1006.34, In addition to violating 18 U.S. Code 1028A ( Aggravated Identity Theft. I also invoked my Consumer Rights under 15 U.S. Code 1692c ( c ) to Cease and Desist. 
- Also sent XXXX XXXX XXXX an affidavit of truth for 15 U.S. Code 1692 violations and enclosed an invoice for {$4000.00} ( USD ) for violations of my Consumer Rights.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.
Consumer complaint received 2023-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX - XXXX XXXX XXXX {$770.00} XXXX XXXX {$490.00} 15 U.S.C, 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
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: EQUIFAX, INC. (LA)

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 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 2022-12-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (NY)

Every time Square processes a credit payment it sends a receipt to a mobile phone not associated with me. The person who receives my receipts has contacted me to inform me of the issue. 

I have contacted Square XXXX times and each time have been told the matter is resolved. It is not. Furthermore, since I do not have a direct relationship with Square it is EXCEEDINGLY difficult to contact someone to help with this. Each time Ive succeeded in reaching someone the same outcome results : Im told the problem is fixed and yet its not. 

It seems that any data collecting payment processing entity should be deemed to have a direct customer relationship at the point where it makes an association with that customers data. And should therefore be required to maintain an accessible customer service capability that gives said customer ( me ) the ability to correct mistakes. 

It can not be acceptable that Square can continue to associate my spending data with a mobile phone that has nothing to do with me. 

Thank you, XXXX XXXX
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I pulled my credit report XX/XX/2022 I sent XXXX, Transunion, XXXX Investigation Request letters to make sure it was 100 percent accurate information via 15 U.S.C. Sec. 1681i ( a ) If not I asked it to be deleted. In the letter it was 30 days giving to investigate and respond with a updated report to be sent back to me after the investigation. I never got a reply from neither of the Credit Bureaus mentioned above. I also sent them the violations on the credit report highlighted where it was not 100 % accurate. They disregarded my letters for the investigation and did exactly what they wanted to do. Now after all of that they tried to update everything to make it look as if it was accurate. Knowing it is XXXX dollar fine for every violation or they must delete the account. They choose to act if the account was 100 percent accurate by changing everything around. I have proof it was inaccurate before they updated the credit reports. The updated credit report will also be in the attachments.
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-11-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo is declining my claims because they said I took me too long to make a claim. I have my phone records showing I tried to shut the accounts down and their customer service told me we shouldn't do that. Now they have declined it saying it took too long to make a claim. I've tried calling the company XXXX, the transactions went through them with no response.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Mr. Cooper Group Inc. (CA)

My credit report has delinquent marks on my account while mortgage relief applications during the COVID-19 pandemic were being processed and I have been approved for {$23000.00} + and Mr. Cooper received funds. I am searching for other options but I am told about the info and I can't be helped at this time. Originally My mortgage {$860.00} has never missed or late payments XXXX and I personally pay my property taxes, insurance and HOA. COVID-19 pandemic my payment became delinquent property taxes and while my XXXX was in final review my lender paid the taxes so I was disqualified and application had to be cancelled and caused me to be in shortage {$1900.00} plus more fees. My payment is now {$1200.00} and I get foreclosure in 30 days I receive {$1600.00} XXXX.