davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-03
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. (NY)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-03
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. (NY)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-05-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (CA)

I applied for a housing loan and they reported to me that i have a collection letter that i have not paid and causing problem with my application. The lender gave me the number of the XXXX XXXX XXXX XXXX and i called them. They person i was talking to could not give me the details of the debt that i supposedly owe them. I looked into XXXX credit score check and found that on XX/XX/2017 I owed {$290.00} and that XXXX XXXX is the collection agency. I called up XXXX and talked to many departments and said that i do not have any bank accounts with XXXX. So how is it possible that I would owe an amount of {$290.00} from XXXX if i didnt have any accounts in the first place? I disputed it with midland funding but was not sure if they are going to take action on it and its affecting my credit score every single day.
Consumer complaint received 2023-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AR)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance : {$23000.00}.
Consumer complaint received 2023-03-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (MA)

I am submitting this complaint again after countless attempts to receive help resolving this with no success. I was the victim of fraud and disputed several transactions with Cash App on XX/XX/XXXX. I have tried on countless occasions to communicate with the support team. After I initiated the disputes and went through the investigations process, I was sent an email letting me know that the disputes were resolved in my favor but access to my cash app account was restricted/deleted and cash app kept the funds that were supposed to come back to me. On XX/XX/XXXX at XXXX CST - {$300.00} withdrawal. On XX/XX/XXXX at XXXX CST - {$300.00} withdrawal. XX/XX/XXXX at XXXX CST - {$300.00} withdrawal. XX/XX/XXXX at XXXX XXXX - {$100.00} withdrawal. On XX/XX/XXXX I got email from support letting me know they resolved the disputes in my favor. Email : Hello XXXX, Your Cash Card dispute claim ( s ) was resolved in your favor and is now complete. A credit has been applied to your Cash App balance and is ready to use. We appreciate your patience throughout the dispute process. Cash App Support ref : XXXX : ref I responded to that email immediately letting them know I could not access the account and after many many emails and I was never able to gain re entry to my account and my funds. 

Cash app has responded to this complaint by saying that they can not verify my identity yet. I literally still have the cash card that they sent me SHOWING MY CASHTAG ON IT AND I AM THE OWNER OF THAT ACCOUNT. The card has my name printed on it with and it was sent to my home address and they had me scan my license and prove identity BEFORE USING THEIR PRODUCT. therefore, I would've already had to have my ID verified and they are just giving me the runaround to not pay me. The funds that are rightfully mine. I have included a photo with the cash card in MY NAME in the attachments please see. I needed to give them my license for a facial biometrics and other identification purposes before being able to use the service. They also claim in their privacy policy that they collect information like Social Security numbers in order to verify identity. I have agreed to provide any necessary and or additional documentation in order to provide verification of identity. They continue to brush off my complaint and vaguely referencing their privacy policy, which I have read over many times. I want my money that is mine that was stolen from me, and that I claimed in a dispute, and it was won in my favor. Those phones are sitting in my old Cash App account which they will not allow me to access even when I have a greed to provide any and all information to verify ID. I need help with this case, and this is my only way to get cash app to respond directly. Please please someone from consumer finance agency help me with this.
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (NJ)

About 95-100 days I put a complaint in with PNC Banking XXXX Due to money missing from my account. As long as the investigation was going my account was fine. The day of the investigation ending {$50.00} or more dollars disappeared. This has been an ongoing thing for awhile a now. Although its small amounts of cash and at my pay rate all my cash is accounted for being its low income. Yesterday I had a total of {$180.00} in my account. I believe it was {$3.00} which was scheduled to come out my account with my card lock on, for my XXXX. I thought it was XXXX stealing from me, now Im sure its an inside job. Preferably someone that knows me. With the pictures you can see I added {$200.00} from savings to my checking which made my balance {$230.00}. I added {$50.00} of that to XXXX. In the process of doing that {$3.00} transaction fee was added to my account because I went over my limits bringing my total down to {$180.00}. Definitely not understanding how my account is at {$170.00}.
Consumer complaint received 2023-10-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Weltman, Weinberg & Reis Co., L.P.A. (OH)

Weltman, Weinberg & Reis Co., LPA sent me a letter dated XX/XX/XXXX implying I owed them monies from a credit card my father had when he died. He died in XXXX of XXXX and I was in no way affiliated with said card or any of his financial matters. I am reaching out to you directly as I am disturbed by this letter and don't feel I should even have to waste a stamp on a response to them. This is a clear shakedown attempt and I find it unfair I'm required to even have to spend this time writing you. I am writing you however so something is documented that I least responded once as something tells me had I responded to them via letter I would only have started an ongoing situation thus wasting even more of my time. 
Thank you in advance for your service.
Consumer complaint received 2023-03-03
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (MS)

I filled a dispute with cash app support for unauthorized transfer on my account XX/XX/2023 in the amount of {$2300.00}. I mean literally the next day as of XX/XX/2023 I get a denied letter from cash app support to my email XXXX saying no error occurred when I never ever had any transfers to or from this before any time before the dispute they did not fully investigate at all & did not give my funds back was told it would take 10 business days not the next day then denied me. You all can see in the photos they where completely ignoring what I was telling them & disregarding what I was saying they are not genuinely trying to help me retrieve my funds back.
Consumer complaint received 2023-10-03
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc. (WI)

I was called from XXXX a man from XXXX telling me that some one was trying to open a carge card in texes useing my name.went on talking sead he was from XXXX XXXX dept and needed to clear that up after talking he told me I could check on that his name was XXXX XXXX XXXX security badge XXXX he than turned me over to a specalist XXXX XXXX XXXX at XXXX. He metiond the XXXX credit cards I had and the a amounts on them he had the last XXXX of my social. and this is how he was going to help old people like me it was my lucky day because of the Fed debit redution act of 2022 I only needed to pay XXXX % of the balances on those cards. talked a little more told him if its to good to be trough it is and hung up
Consumer complaint received 2023-10-03
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. (VA)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX DC XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Under The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq, it states that credit reporting agencies have to report accurate information. I have been repeatedly asking the credit bureaus to report 12 student loans as paid in full and as agreed since XX/XX/year> and they still are not reporting my loans as paid off and as agreed. See below Group Total Applied Applied to Principal Applied to Interest Applied to Fees* XXXX {$2000.00} {$2000.00} {$0.00} {$0.00} XXXX {$2000.00} {$2000.00} {$0.00} {$0.00} XXXX  {$3000.00} {$3000.00} {$0.00} {$0.00} XXXX {$3000.00} {$3000.00} {$0.00} {$0.00} XXXX {$4000.00} {$4000.00} {$0.00} {$0.00} XXXX {$3500.00} {$3500.00} {$0.00} {$0.00} XXXX {$4000.00} {$4000.00} {$0.00} {$0.00} XXXX {$3500.00} {$3500.00} {$0.00} {$0.00} XXXX {$2200.00} {$2200.00} {$0.00} {$0.00} XXXX {$2200.00} {$2200.00} {$0.00} {$0.00} XXXX  {$3500.00} {$3500.00} {$0.00} {$0.00} XXXX {$4500.00} {$4500.00} {$0.00} {$0.00} Total {$37000.00} {$37000.00} {$0.00} {$0.00}
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$6500.00} XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2023-10-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY (TX)

My Well Fargo debit card was revoked yet I had valid issues with unauthorized debits coming from XXXX XXXX in XXXX Texas of {$350.00} on XX/XX/XXXX yet my card I had in XXXX of XXXX was canceled ending in XXXX I had charges from supposedly the corporate in which I only had business in XXXX they took money from my account. Somehow they didn't do the right procedures in making sure unnecessary charges wouldn't occur. After sending my card ending in XXXX was sent. I made valid claims.
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$6500.00} XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2023-10-03
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. (NY)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX AV XXXX, NY XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX : {$11000.00} XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2200.00} XXXX XXXXXXXX Balance : {$2200.00XXXX XXXX XXXXXXXX XXXX Balance : {$1400.00} XXXX XX/XX/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
Consumer complaint received 2023-10-03
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. (OR)

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 2020-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

I requested and was granted forbearance on my mortgage with XXXX XXXX XXXX. It is showing as delinquent on XX/XX/20 my credit report and my credit score has tanked.
Consumer complaint received 2023-10-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

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 2018-05-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Opportunity Financial, LLC (TN)

Company offered {$2800.00} loan to my husband at 24 % interest without disclosing " customary fee '' which brings total to 160 % interest. Company says this fee is not interest " for the purpose of Tennessee law ''. 

I asked about protection under the military lending act and they said they never heard of it. They said " the state regulates the interest amount ''. If that is the case, why is their outrageous fee " Not interest for the purpose of Tennessee law ''? 

Paid {$460.00} this month. Principal balance dropped by {$78.00}. 

Next payment due is {$630.00} Company said payment will be different every month. How does an installment loan have a different payment every month? How can it ever be paid off if it accrues over {$400.00} in interest per month? 

He was medically seperated from XXXX XXXX due to a XXXX XXXX XXXX  causing XXXX XXXX XXXX   XXXX XXXX, XXXX, and XXXX XXXX. He is XXXX XXXX XXXX and his only income is VA XXXX. 

This company is preying on people like XXXX.
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX  XXXX Balance : {$990.00} XXXX  XXXX Balance : {$1300.00} XXXX  XXXX Balance : {$760.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$3300.00} XXXX XX/XX/2023
Consumer complaint received 2023-10-03
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. (MD)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXXXXXX Balance : {$990.00} XXXX XXXX Balance : {$1300.00} XXXX XXXXXXXX Balance : {$760.00} XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$3300.00} XXXX XX/XX/2023
Consumer complaint received 2023-10-03
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. (PA)

I am so glad that the XXXX had manage to remove all the issues that I have put forward to them. And the most of the problematic issues were also removed from my Experian and XXXX credit reports. The thing is there were still few more troublesome items which were not removed yet. So, I am requesting the Experian and XXXX XXXX to please remove them within XXXX : EXPERIAN : CHILD SUPPORT ENFORCEM XXXX Balance {$0.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX POLICE AND FIRE FCU/PA XX/XX/XXXX POLICE AND FIRE FCU/PA XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX