davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-25
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. (IL)

I pulled my XXXX XXXX XXXXt ( EQUIFAX ) on XX/XX/XXXX. I noticed that old information that was removed last year in XXXX has been added back to my credit file and report as of XX/XX/XXXX. I am a victim of Identity Theft and had all old personal information removed from my credit file last year. The problem at hand is not only is old information such as a prior address I used over 13 years ago resurfacing after I removed it, there are also " Soft Inquiries '' being made on my credit file without the name of the company who's making these inquiries. I'm aware soft inquires doesn't harm my credit scores. What alarms me is the scammers intentions of having access to my credit information via soft inquiries to pry & add old information back to my credit reports and files because they were never BLOCKED by Equifax when Equifax received from me Police & FTC Identity Reports last year in XX/XX/XXXX. 
Because my personal information and Identity has been compromised & used against me without my knowledge & consent, the thief who's reporting the information has also made Soft Inquiries on my credit reports under the disguise & name " EQUIFAX INC '' but has listed a few telephone contact numbers and addresses that has absolutely NO association with the company Equifax, itself. Also, on my Equifax credit report under soft inquiries there are DOZENS of times listed as " Automated Consumer Interview System '' where I had absolutely no contact with Equifax, it shows I contacted them by phone to discuss my credit report which I hadn't. XX/XX/XXXX thru the XXXX are just a few days to name a few which recently shows on my credit report. I had NO CONTACT with Equifax. 
I'm familiar with the reporting as this would show when I had credit monitoring & I INITIATED the contact with Equifax, but in these instances of dates, I had no contact so why would it show I had. I canceled my subscription of credit monitoring with Equifax last year after trusting them many years. I no longer have faith in a company who still allows thieves to constantly have total control over my credit file by adding, updating, & deleting whatever they desire without consequences. 
The old address has been added back to my account as of XX/XX/XXXX via thieves in disguise of a creditor representing themselves as a company who I have no association.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MN)

I have multiple credit report hard inquiries that have not been authorized and I need the remote for my credit report because it has a negative impact on my score. Below are the dates and the company that reported it. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-19
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE (CO)

On XX/XX/year>, i was alerted by XXXX XXXX  that there had been an inquiry on my credit. Upon further investigation, it looks like an application for a JetBlu credit card was submitted through Barclays Bank Delaware without my knowledge or approval. I called them immediately and reported that inquiry as fraud. They said they did so, but i want to make sure they actually did. Looking into this bank, it seems that a lot of people have the same issue with this bank, and i think someone should look into it.
Consumer complaint received 2024-01-26
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)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
lam a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's IdentityTheft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2019-11-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (NV)

Cash app are a horrible company. They never protect accounts and when I report fraud, via email, no phone available to reach them and they never provide any documents, they only send a one sentence email : claim denied. It's frustrating and unfair and I plan on going to court to sue them via trial by jury if I don't get my money back. I've been going for over two years and their negligence is unmatched. Attached are all the responses they sent me. Also, all the transactions I want to dispute.
Consumer complaint received 2024-06-15
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. (GA)

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 accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$5700.00} XXXX  XXXX XXXX Balance : {$580.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXXBalance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$580.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX Balance : {$5700.00} XXXX  XXXX XXXX Balance : {$580.00} - tied up XXXX XX/XX/XXXX XXXX XX/XX/XXXX
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. (CA)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (MN)

I am a victim of identity theft and have a current police report on file with XXXX XXXX. The following reported information and inquiries viewed by others currently listed and showing on my XXXX XXXX  Consumer Report ID : XXXX is fraudulent accounts, information and inquiries : XXXX XXXXXXXX XXXX XXXX XXXX, XX/XX/year>, {$860.00}, XXXX XXXX XXXX XXXX, XX/XX/year>, {$1000.00}, XXXX XXXX XXXX, XX/XX/year>, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year>, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Employees XXXX XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XXXX XXXX XX/XX/year>, XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year>, XXXX XXXX XXXX XXXX XXXX XX/XX/year>, Workers XXXX XXXXXXXX XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX Educators XXXX XXXX XXXXXXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXXXXXX Employees, XX/XX/year> XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXXXXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XXXX, XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> 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 XXXX XX/XX/year>
Consumer complaint received 2019-12-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (TX)

On XX/XX/2019 my brother XXXX XXXX asked me to transfer XXXX to his cash app. He said he couldnt get the money from XXXX. He sent me XXXX through XXXX then I transferred it to my bank then used my cash app debit to attempt to send it to his cash app. The transaction failed and the app said I would get the money back on Wednesday ( XXXX XXXX ) however the money came back to my account at which time he requested the money back through XXXX so I sent him back to him. I'm afraid that some type of fraud may have happend.
Consumer complaint received 2024-03-11
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (NJ)

I have had my Chase United Explorer Credit Card since XXXX  and have never made a late payment. My card is on auto payment from my Chase checking account it averages ( {$180.00} a month ) for the monthly payment due on XX/XX/XXXX I canceled the auto payment due to me scheduling a larger payment of {$480.00} from my XXXX Bill Pay option ( see attached ). XXXX did not process the payment till the XXXX and sent it to me as a check days later as you can see I deposited it in my checking account once received. I paid the usual {$180.00} prior to me receiving the check once I saw the payment was delayed and was going to just pay the remainder of the original {$480.00} payment I intended on making once I recieved the payment. When I went into my account it stated I owed {$630.00} when I called customer service they stated that they raised the owed payment from XXXX and added an additional month due to me being late this outrageous and I asked for this to be adjusted as I have never been late along with the fact that I had not used the card in months due to Chase constantly putting unwarranted Fraud alerts on my card even though I have never reported Fraud on the card I have always pressed yes when I received the text message if I made the purchase and I also called and complained after be embarrassed on several occasions when I attempted to use this card. Even when I called to complain about the bill I was told my account was under review for Fraud with purchases when I asked them what purchases and how when I had not used the card in months they could not answer me. So now they have my card as delinquent unless I pay an additional {$430.00} that is out of control. So they are attempting to jeopardize my credit and credit limit when I have been with chase for 10 years and never had an issue with my card.
Consumer complaint received 2024-04-05
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. (FL)

I am writing to dispute the following inquiries. It does not belong to me. I never established this inquiries. I have no knowledge of obtaining any of the inquiries listed here. Please remove these inquiries and send me an updated copy of my report after the investigation.
Consumer complaint received 2019-11-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (CA)

On XX/XX/XXXX, {$61.00} was transferred to my account " XXXX XXXX ''. 

I was never able to retrieve that money. a week later, I wasn't able to access my account due to it being tied to a phone number that was out of service. As a result I had to create a new account. 

I notified cash app and they said they'd merge the accounts. It's been a whole week and still no response. 

I do not know what the merge status is, and I do not know the status with these funds. I need this money to pay bills. 

Cash App refuses to reply to me.
Consumer complaint received 2024-04-05
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. (MN)

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 2024-04-27
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. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX 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 Balance : {$26000.00} XXXX XXXX Balance : {$26000.00} XXXX XXXX Balance : {$26000.00}
Consumer complaint received 2024-04-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Blockchain.com, Inc. ()

I transferred XXXX Bitcoin in blockchain.com on XXXX XX/XX/2017 that time this exchange name was blockchain.info I staked some amount of bitcoin in their exchange and now I wanted my funds back but they neither given my staked interest nor they are allowing me to withdraw my principal amount. I raised ticket on their platform they asked me some personal details but even after getting my all details they have disabled withdrawal and not responding to my mails now. Its seems like a scam now. I am surprised that this exchange is licensed by your organization. The XXXX XXXX XXXX XXXX. Please help me to get back my crypto fund.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter.

The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2024-01-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (FL)

I am urgently appealing to you to swiftly eliminate the unauthorized ACCOUNTS from my credit report since I did not provide authorization for them, and they are causing me considerable distress. I implore you to rectify this error promptly.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Upstart Holdings, Inc. (NH)

It is against the law to report transactions or experiences between the consumer and the person making the report. The term " person '' is Upstart the corporation and the " consumer '' is me. You have violated my rights according to 15 U.S. Code 6802 and 15 U.S. Code 1681a ( 2 ). The illegal late payments that you are reporting concerning me are harming me personally, emotionally, and financially, and causing me damage. Please see attached, document with proof of inaccurate information on my consumer report. I request that you promptly delete all late payments and inaccurate accounts and send me an updated copy of my credit report within 30 days of your request that you fully comply with the law in my request. Should you fail to make the requested deletions, I request that you provide me with your permissible purpose for reporting each account on file in writing and copies of the written instructions of the consumer ( me ). I request that you provide me with the name and address of the person ( s ) that you contacted to allegedly verify the information that I have rightfully disputed. Per the FCRA, as a Federally Protected Consumer, I am now opting out of ANY and ALL authorization I the consumer may have given you written, unwritten, verbal, and non-verbal per 15 USC 6802.
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. (NM)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2022-12-05
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: EQUIFAX, INC. (MA)

The unverified accounts indicated below to continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to Equifax on XX/XX/2022, but I never received a response. under Section XXXX ( a ) ( XXXX ) ( A ) Disclosures to consumers [ XXXX U.S.C. XXXX ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to XXXX ( a ) ( XXXX ) [ XXXX ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & XXXX XXXX ( a ) ( XXXX ) ( XXXX ) Procedure in case of disputed accuracy [ XXXX XXXX. XXXX ] ( a ) Reinvestigations of XXXX XXXX. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 items from my file in accordance with paragraph ( XXXX ), 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 creditor. I need the following Items removed now! 

XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-29
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL (AR)

I filed a complaint with the FDIC, earlier in the month, XX/XX/XXXX, and have not received a reply. They claim, they forwarded the complaint to this office. the complaint is no. XXXX. The complaint was against XXXXXXXX XXXX XXXX XXXXXXXX, Florida.
Consumer complaint received 2024-04-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (TN)

Current active student loans with Navient was for school ( XXXX XXXX  ) that was on the XXXX vs. XXXX lawsuit. I am asking for these private loans to be discharged because of the misleading school.