davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-22
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. (GA)

In accordance with the Fair Credit Reporting act, the following accounts has violated my rights : XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX Account # XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX Account # XXXX Account # XXXX XXXX XXXX XXXX  XXXX XXXX Account XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX Account # XXXX Account # XXXX XXXX XXXX  Account # XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX Account # XXXX XXXX XXXX XXXX  Account XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX  XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX  Account XXXX XXXX 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 2023-09-27
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. (NC)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2023-11-05
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. (OK)

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WA)

Experian is reporting my credit score in a negative way, all of the banking apps i have credit builder loans with report score in the high XXXX range, i get denied for anything I apply for even {$500.00} loan i get denied which is less than my car payment!
Consumer complaint received 2017-03-31
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The courts are reporting a Bankruptcy with my name. The US Bankruptcy Court told me that they do not report or verify that information to the Credit Bureaus. That information was pulled by a Third Party and they reported it. After disputing it with Trans Union they claimed it was verified by the US Bankruptcy court which is a blatant Lie, therefore this must be deleted from my report immediately.
Consumer complaint received 2023-03-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc. (FL)

I reported the following incident to cash app : I've had a theft. I had to file a Police report. A " so called '' XXXX  XXXX siphoned out about $ XXXX and l left me with {$0.00}. I question and find Cash App negligent in not catching this as I DONT have a history with this person, and why send her money in small batches within seconds of each other????? 

Their answer : XXXX XXXX, This is XXXX with Cash App Disputes. Let me give you more details about it. 

Based on the information available, our investigation led us to determine that this transaction was authorized by you or someone you authorized to use your credentials and no error occurred. As a result, your dispute has been closed. 

Date Status Amount Sender Recipient XX/XX/23 at XXXX XXXX Paid Out {$190.00} XXXX XXXX XXXX XXXX XXXX XX/XX/23 at XXXX XXXX Paid Out {$200.00} XXXX A XXXX XXXX XXXX XX/XX/23 XXXX XXXX XXXX Paid Out {$100.00} XXXX A XXXX XXXX XXXX XX/XX/23 XXXX XXXX XXXX Paid Out {$100.00} XXXX A XXXX XXXX XXXX XX/XX/23 XXXX XXXX XXXX Paid Out {$50.00} XXXX A XXXX XXXX XXXX XX/XX/23 XXXX XXXX XXXX XXXX Out {$50.00} XXXX A XXXX XXXX XXXX Additionally , you are entitled to request the documents upon which our denial was based. To initiate this request, please click here ( XXXX XXXX XXXX ). Note : You must click this link on your phone and have the app downloaded to launch this link. 

If you would like to open a new claim with additional information for the investigation, you may create a new case using that information here XXXX XXXX XXXX XXXX XXXX 

For your reference, the case number associated with this claim decision is XXXX. 

Now that weve closed this investigation, youll need to open a new case if you need further assistance for a different issue from Support. Heres how : a. In your app here ( XXXX XXXX XXXX  ) b. Call us at XXXX. 

For more ways to contact Cash App Support, check out XXXX XXXX XXXX 

We also recommend securing your account by following Cash Apps Security Best Practices ( XXXX XXXX XXXXXXXX ). 

We appreciate your patience and cooperation throughout the dispute claim process. 

XXXX Cash App Dispute Team ref : XXXX : ref
Consumer complaint received 2022-10-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Act, XXXX  account number : XXXX ; ( listed twice on reports ) XXXX XXXX XXXX account number : XXXX ; XXXX XXXX, account number : XXXX ( listed twice on reports ) ; XXXX XXXX XXXX  account number : XXXX ; XXXX, account number : XXXX ; XXXX, account number : XXXX ; XXXX  XXXX bankruptcy dismissed, account number : XXXX ; XXXX XXXXXXXX bankruptcy dismissed, account number : XXXX ; and XXXX XXXX bankruptcy filing, account number : XXXX has violated my rights. 

Under, 15 U.S. Code 1681, Section 602A states : I have the right to privacy. Additionally, 15 U.S. Code 1681, Section A ( 2 ) states : a consumer reporting agency can not furnish a account without my written instruction.
Consumer complaint received 2022-10-26
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. (MO)

By the provisions of the Fair Credit Reporting Act, I am submitting this CFPB complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$340.00} - There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. I do not believe I was late on the dates you are reporting. I always make my payment on time and I never missed a payment. Please update for lawful accuracy. 
XXXX XXXX XXXX  XXXX Balance Owed : {$610.00} - Please check the Payment History and Status information on this account. It is entirely wrong, to begin with. I was never late on this account because I make my payments on time. My record shows that I never missed a payment. Please update all lates immediately. The current status is all wrong and a scorable category. Please update for legal accuracy. 
XXXX XXXX Balance Owed : {$0.00} - This just proves your lack of proper record keeping. Now, this item is reported to be 30 days past due, yet it is closed and the balance is XXXX. Lets correct this immediately. You are required to verify for yourself but I will go ahead and remind you that this account was paid, closed, and no longer active and should have reflected the status of PAID. Provide documentation that you have not abrogated my rights by reporting false information, otherwise, remove it immediately. 
XXXX XXXX Balance Owed : {$460.00} - This particular account is undoubtedly placed as a charged-off account, make sure you tell me the reason why there is a balance indicating on the statement if its a charge-off? The balance is truly incorrect, if possible, replace it to XXXX or eliminate the item certainly.
Consumer complaint received 2023-11-05
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (NE)

I found out this year that I'll get a wage garnishment, I did not know it was for a credit card, i thought it was for my child support. So they took money from my work, then they took money from my bank. They won the judgment to small claims in XXXX county Nebraska and the judgement does not usually go beyond XXXX dollars. They took XXXX dollars total in wage garnishment, then they took money from my bank worth XXXX on my one account then XXXX which total to {$4100.00}. This is not justifiable. I do not know if I owe this money to begin with since I was out of the country when the judgment was made. XXXX XXXX is outrageous and unreasonable and taking more money and will not stop taking.
Consumer complaint received 2023-07-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On or about XX/XX/23 we saw a transaction on our business account for {$110.00} that we did not make. We contacted our banking rep XXXX and Customer Service. We were told Bank of America knew this to not be a reputable charge and they would reverse the transaction and it would fall off the following day. This is the next day and the charge went through and Bank of America said we will have to submit a fraud complaint. 
We informed Bank of America of the fraud charge on our account and Bank of America said we would not be charged but we were charged anyway.
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (VA)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CT)

I am a victim of identity theft. The information below, which appears on my credit report, does not relate to any transactions that I have made. I contacted the Federal Trade Commission and filed a complaint # XXXX which is attached. The accounts and inquiries listed attached in this document are a result of identity theft. please remove!
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (AZ)

On my credit XXXX XXXX XXXX XXXX, XXXX, XXXX report three different time three different amounts and after I did dispute and filed complaint whit XXXX  is still reporting inaccurate info to my credit. I like to file complaint to Attorney General but I having problems to find address and full name of this company. Please help me to remove this inaccurate collection and if possible share there full name and address also. Thanks XXXX
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 2020-12-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Hello, I very distressed that you continue to report account that I do not recognize. I can not understand why this wrong information is included in my profile. Please accept my clam and this message and remove this mistake from my credit profile. I am requesting that you delete information off from my credit report because I am not connected to this account like absolutely. I am victim of Identity heft, someone used my personal information. Please check names, addresses, signatures and remove it.
Consumer complaint received 2023-06-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (NJ)

Your corporation has been requiring and demanding the unlawful use of Federal Reserve Notes also known as Floating Rate Notes ( debt notes ) as payment, when in fact, the submitted application used to open the account, with access and use of my personal and private financial information ( SSN, social security card, which is an open-ended credit card pursuant to 15 U.S.C. 1602 ( l ) along with my signature ) served as a financial asset, promissory note and security which in fact satisfies each monthly obligation pursuant to 12 CFR 360.6 ( 2 ) as well the application being self-liquidating paper pursuant to 17 CFR 260.11b-6. This is considered an unauthorized use since I have received NO BENEFIT. Pursuant to 18 U.S.C. 8, all coupons, bills, certificates of indebtness, both public and private used for personal, family and household use are the obligation of the United States. This will also serve as Notice of breach of fiduciary duty ( U.C.C. 3-307 ). Following this notice if said financial assets are not either returned to the referenced creditor/bailor/beneficiary via mail within Fifteen ( 15 ) business days or accepted for its intended purpose within Fifteen ( 15 ) business days of the receipt of this notice, an SEC complaint will be filed pursuant to 17 CFR 240.15c1-2 and 17 CFR 240.10b-5. As well as an IRS complaint for abusive tax schemes involving the SEC filed trust arrangement for breach of securities and securities fraud.

Pursuant to U.C.C. 9-210, I am requesting a full audit of the account. Additionally, pursuant to Article 1 Section 10 Clause 1 of the United States Constitution, only gold and silver, being the only lawful money of the United States of America, can lawfully discharge a debt. The use of Federal Reserve Note is unlawful and can not.

Furthermore, I have noticed that you have been redeeming the remittance coupons/instrument as a non-cash item ( 12 CFR 210.2 ( k ) / ( 12 CFR 229.2 ( u ) ( 4 ). Pursuant to 15 U.S Code 1691 ( C ) and you assume civil liability pursuant to 15 U.S Code 1691 ( K ). By use of coercion and fraud, your corporation knowingly and willingly violated my federally protected rights.

Pursuant to the aforementioned codes, I demand all credits be returned on all remittances/coupons at the inception of the accounts. Balance will be zeroed out on a monthly basis via special deposit of the interest-bearing coupons associated on the itemization statement. 

This is your opportunity to cure as well as your notice of default for the servicing of my account. You meaning XXXX XXXXXXXX XXXX  XXXX. and any of its other agents, affiliates, subsidiaries, assignees, etc. may NOT contact me by any means other than written correspondence. Failure to comply will result in legal action.
Consumer complaint received 2023-09-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX , XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX , XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX , XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX & XXXX Date of Inquiry XX/XX/XXXX
Consumer complaint received 2023-06-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc. (LA)

There's a pen and payment on my account for XXXX dollars which is only supposed to be a payment for {$21.00} I have contacted cash app support and have went back and forth with them over and over again about this transaction they have changed the amount of this transaction XXXX times from XXXX to XXXX to XXXX again
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions 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 {$1300.00} XX/XX/XXXX XXXX XXXX XXXX {$600.00} XX/XX/XXXX XXXX XXXXXXXX XXXX {$740.00} XX/XX/XXXX XXXX XXXX {$990.00} XX/XX/XXXX XXXX XXXX {$270.00} XX/XX/XXXX 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 2020-12-26
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. (IL)

On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-09-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Berlin-Wheeler, Inc. (Kansas) (VA)

XXXX is XXXX to collect money for an account that is not mine, this is the XXXX collection XXXX XXXX XXXX hired to collect an account that was fraud, I need this to stop and be removed from my credit reports all XXXX of them. XXXX is fraud and they have to stop trying to collect on an account i don't owe
Consumer complaint received 2017-09-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A. (MI)

On XX/XX/XXXX, I applied for a SEARS MasterCard while making a purchase at the SEARS in XXXX XXXX in XXXX XXXX, MI. I was accepted and given a credit line of {$6000.00}. I have not received the card. I called Citibank nearly twenty times on XX/XX/XXXX. I was told that I should have received my credit card a while ago. I was told that my address was not the address on the account, and that my phone number was not the one on record so they could not verify that it was me calling. Even though they stated that my phone number and address did not match their records, they left a message on my answering machine using the phone number that they claimed was invalid questioning recent activity on the credit card. I was told that they would send paperwork to my address according to public record immediately. I have not received anything. I was offered twenty off my purchase at Sears by applying for this credit card, it would have been worth the extra twenty to have avoided the stress this is causing me.