davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-19
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: EQUIFAX, INC. (CA)

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : ONLINE INFORMATION S Original creditor : XXXXXXXX XXXX XXXX XXXX  - Acct # XXXX XXXX - Acct # XXXX XXXX Original creditor : XXXX XXXXXXXX XXXX - Acct # XXXX XXXX XXXX XXXX - Acct # XXXX
Consumer complaint received 2022-11-10
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. (CA)

This complaint is to follow up my prior protests and letters I submitted on XX/XX/2022 and to notify them that I am halfway of taking lawful action and litigate Equifax for their headstrong nonfulfillment of the FCRA statute. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 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. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. 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 ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. The account that should be adjusted is : XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2022-11-10
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. (MD)

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, XXXXXXXX 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 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 2023-04-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (ID)

My son had a blow-out and a destroyed tire, on the freeway near XXXX, Idaho. At XXXX XXXX  on XX/XX/2023 I cash-app 'd him {$200.00}, to help. It said " Completed '' on my end, with a green check mark. Cash App transaction XXXX. My son ( XXXX XXXX. ) could not get actual access to the money, partly because an old phone had been disconnected and because at some point he had changed it from a personal account with Cash App to a proprietorship account ( or at least that's what I understood XXXX to say, something to that effect ). Cash App REFUSES to reverse the transaction and refund me, despite the fact that both XXXX and I can both aptly verify our identities, our cash-app pins, etc. They also refuse to help XXXX on his end -- despite XXXX 's being able to verify his pin, and to furnish, if needed, his driver license ( scan and send, etc. ) and social security card, etc. I think Cash App is deliberately trying to XXXX us around and deprive me of money that is rightfully mine. I filed a complaint with the Better Business Bureau and with the FTC as well, and am waiting to hear back from them. IN CASES WHERE BOTH THE SENDER AND INTENDED RECEIVER VERIFY THAT THE MONEY WASN'T RECEIVED, IT SEEMS FRAUDULANT TO ME THAT THEY WON'T REFUND ME.
Consumer complaint received 2023-06-28
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-11-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$3300.00} ; XXXX XXXX XXXX XXXX Balance : {$5000.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$6200.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$490.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX.
Consumer complaint received 2022-11-10
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (FL)

As a business owner a buy American Express Business prepaid cards for gifting. My father is XXXX of my empoyees and I gifted him America Expess prepaid XXXX dollar card for XXXX XXXX. He did not have a chance to use the card right away and decided to use it in XXXX for my Mom 's Birthday. He checked the balance online and all funds from the card we used up by someone who got internal access to the card and used it on XXXX purchases on XX/XX/XXXX and XX/XX/XXXX leaving only XXXX cent. The card was never lost or stolen and always in my Father 's possession. We called American Express and XXXX and they did not offer us any resolution or refund of the depleted funds. The card is being advertised as very secure with monitoring of fraudulent activity which is not the case and my Dad and I feel a victim of a deceptive advertisement and business practice from AMEX for selling defective unsecure product is a form of American Express Bussiness Gift Cards.
Consumer complaint received 2023-09-04
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. (FL)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX ( Original creditor : IXXXX XXXX ) XXXX Balance : {$890.00} ; XXXX XXXX XXXX Balance : ; XXXX Balance : {$310.00} ; XXXX XXXX Balance : {$13000.00} ; XXXX XXXX Inquired on XX/XX/XXXX  ; XXXX XXXX Inquired on XX/XX/XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX  XXXX XXXX Inquired on XX/XX/XXXX   ;
Consumer complaint received 2022-11-10
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX  XXXX XXXX .... Balance : {$260.00} ; XXXX XXXX XXXX XXXX .... Balance : {$30000.00}
Consumer complaint received 2023-09-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (TX)

On Friday, XX/XX/XXXX My phone and wallet were stolen from me in a set up. These pellle were able to get my phone password after stealing the phone. They immediately went to and changed my XXXX XXXX and other information to lock me out of my account. Once they have my wallet and all my cards they illegally gained access to 4 banks ( chime being one ) and initiated transfers out of chime to cash app and XXXX XXXX from contacts oh my phone who agreed to send me.money for a false emergency for going to hospital. Ive head friends who sent & XXXX just based on texting me ( who it wasnt ) this went on for about XXXX hours. It took me a while to figure out what they were doing and I had to get in contact with XXXX and then XXXX and had the phone turned off the following day so they had the phone less than XXXX hours. during this timeframe they illegally got into my chime bank account moved funds around and cleaned out everything over {$6500.00} was taken from my Chime account both with cash app transactions and I believe they also purchase things at stores like XXXX and XXXX. The same fraudsters then did that with my three other accounts, all the same time all cleaning out every XXXX, I had. I have reported this to the police Ive reported this to Chime. I have reported this to XXXX XXXX. Ive reported it to XXXX and Im now reporting it here because this is a crime syndicate that is operating in targeting people and perhaps drugging people at bars to get the patron to not know whats going on, and this is financial XXXX. I need XXXX to do the right thing and work with me and work with the local law-enforcement to see that this is not an authorized charge and I should not be responsible fraudulent charges. I clearly wasnt with the people when this happened. I also have police reports I had to go out and pay full price or were {$1000.00} for a new phone and I lost over {$10000.00} myself between all my accounts and had family members and friends lose {$3000.00} and money that they sent thinking that I was in trouble and going into a hospital and need money because these hoodlums actually message people asking the money he sent to this phone Chime is a very good company. Im not angry at Chime, but I need to get this done and expeditious manner. I dont have any income. All of my money has been taken in frozen and Chime is telling me it could take up to 90 days for their investigation I dont have 90 days to wait when all of my money was stolen from me please help me.
Consumer complaint received 2022-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Credit Bureaus are required to verify the information and status of the account being reported on my Credit Report. But in my case, Experian has kept reporting the disputed account claiming that the information they present is accurate, with which I greatly disagree. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 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. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian 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 XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I need the accounts corrected as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ....
Consumer complaint received 2022-11-10
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. (OH)

Since XX/XX/XXXX I've contact XXXX, equifax, and XXXX about someone stealing my credit card information when I was XXXX  from XX/XX/XXXX to XX/XX/XXXX. I've talked to all XXXX credit services to no avail at least XXXX times a piece since XX/XX/XXXX and nothing on my credit report is changing. All they keep doing is having me do another dispute every 30 days which keeps coming back saying the information is valid. 

How is this information valid when I 1st mailed my XXXX papers thru certified mail that was receive on XX/XX/XXXX by all XXXX companies then they act like they didn't receive the certified mail so I uploaded my XXXX papers and faxed each company separately Which literally has done nothing. 

On my credit report it clearly shows all purchases and late activity happened at least 6 months to a year after I was XXXX 

With this document I'm resending my XXXX papers The XXXX account stating I owe {$9100.00} The account stating I owe XXXX XXXX {$7900.00} The account stating I owe XXXX XXXX {$7900.00} All should be erased from my credit report Furthermore, i've never even done business with XXXX XXXX XXXX purchased my account from XXXX / XXXX XXXX. Even though I never made these purchases however even if I did I never did business with XXXX XXXX  so that should never be on my credit report. 

This situation been way over 30 days in fact I've already had XXXX different disputes with all XXXX credit reporting companies and nothing has happened
Consumer complaint received 2023-09-27
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. (VA)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2022-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MO)

I received my credit report and the following is INACCURATE. According to The United States code 15 U.S.C 1681 a.1.a the following accounts I have disputed most be removed. Also all closed accounts must be removed. 15 U.S.C 1681 section 604 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-03
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: American First Finance, Inc. (FL)

Today I received a letter from American First Finance, LLC saying that a loan application at XXXX XXXX XXXX XXXX was denied. Neither I, nor my wife, have ever applied for a loan with this company or AFF. The letter is dated XX/XX/2023 for a loan request supposedly made on XX/XX/2023. Their website 's chat line did not work. I called the company number and, eventually, was given a second number to call. I explained the situation and was told someone would " reach out '' to me. I am concerned that someone, either has some personal information of mine, or that the finance company is grossly disorganized.

American First Finance, LLC XXXX XXXX XXXX XXXX, TX XXXX XXXX
Consumer complaint received 2022-11-09
Product: Credit reporting, credit repair services, 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. (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 ) Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX XXXX ) Inquiry date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX ( XXXX ) XXXX XXXX ) Inquiry date : XXXX XXXX, XXXX DEPT OF ED US DEPARTMENT OF E XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX these accounts have 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 2022-11-09
Product: Credit reporting, credit repair services, 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. (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 ) Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX XXXX ) Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX ) Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX these accounts have violated my rights. 



XXXX5 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 2020-12-19
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TN)

THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.