davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Block, Inc. (CA)

I was alerted by Square that an account had been opened in my name. I thought it was spam at the time as it was an email alert. Then a few weeks later a Square Business Account debit card showed up at my home address with my nickname addressed on it. Right away this became suspicious as my accounts are all under my legal name, not my nickname. I contacted Square and they closed the account right away for fraud, but let me know the account was opened with both my birth date, social security number and my home address. The only thing that did not match was the account was linked to a phone number that was not mine.
Consumer complaint received 2023-02-06
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. (GA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  ) XXXX Balance : {$720.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX ( XXXX XXXX : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00} ; XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$210.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX  ) XXXX Balance : {$120.00} ; XXXXXXXX XXXX XXXX  XXXX XXXX ; XXXX XXXX  XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2017-07-11
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: National Check Resolution Inc. (TX)

XXXX  a t NCR ( National Check Resolutions ) contacted me at my place of employment. I have never been in contact with her before today. Called our Corporate  headquarters and we can not receive any inbound calls that are not related to our business. The call was transferred to me. Her contact number is  XXXX  ext  XXXX
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2023-10-16
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. (NC)

The following accounts below are in questioned : XXXX XXXX with account number XXXX Each bureau reports a different date of last activity I disputed with the collection agency and they said they don't have record of this account XXXX XXXX  with account number XXXX 3 different dates listed under " date of last activity '' Section 609 states that you're required to send me the paperwork associated with this account. Furnish or remove. 
The collection agency didnt send me anything to verify this account, so how did you verify it? 
Wheres the documentation? Unless you can furnish the signed documents that legally verify this account, it needs to be removed immediately. 
I need to see all paperwork associated with this account. 

XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX Each bureau reports a different date of last activity Please send me all business and transaction documents to prove that this account was legally verified How can this still report on my credit when I notified you that it was paid and they said theyd remove it?

Unverified and illegal reporting, remove immediately My consumer rights, as outlined in 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ), explicitly state that transactions between me and the reporting entity should not be reflected in my consumer reports. Strangely, Experian, XXXX and XXXX seems to have overlooked this provision and is reporting information that should be excluded. This oversight amounts to a blatant violation of Metro2 compliance. I request immediate access to the Metro2 compliance disclosure pertaining to the reporting of transactions to consumer reporting agencies.

I am not interested in validations or verificationslet 's clear that up right away. My concern lies in the erroneous reporting of transactions, such as late payments, collection/charge-off status, and other derogatory details, which need to be expunged from my consumer reports without delay.

Adding to the complexity, some negative accounts have been categorized as Collection/Charge-Off Status without the courtesy of receiving IRS form 1099-C Cancellation of Debt. This is not only irregular but also a violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. 

Should this derogatory account information persist on my consumer reports beyond the next 30 days, I will be left with no choice but to submit an official filing with the Internal Revenue Service. My action will involve IRS form 3949A : Information Referral and IRS form 211 : Application For Award For Original Information Overview against all entities involved. I trust you understand the urgency and gravity of rectifying this matter promptly.
Consumer complaint received 2022-05-26
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: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX TX XXXX  XXXX XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MN)

I started my debt dispute journey by sending a certified letter to all three agencies, XXXX, Experian and XXXX on XX/XX/XXXX. I looked on XX/XX/XXXX to see they put my new name but kept my old as also known as. In my letter I said I wanted them to replace my name and remove all versions of the old and listed the old in every way they had it listed, this was court ordered due to XXXX XXXX. I also asked that they remove all addresses on file and use only my correct safe at home address given to me by the secretary of state program, safe at home. Under three law they have to use the XXXX XXXX as my physical address, they did not. I also stated my only phone number and remove all old, they did not. I sent another certified letter in second request form to fix it. On XX/XX/XXXX They refused. I can't move forward with disputing things on file until this is completed. In these I included clear printouts of my current non expired Minnesota state IDXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, social security card and Court order.
Consumer complaint received 2022-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MN)

I started my debt dispute journey by sending a certified letter to all three agencies, XXXX, XXXX and Equifax on XX/XX/XXXX. I looked on XX/XX/XXXX to see they put my new name but kept my old as also known as. In my letter I said I wanted them to replace my name and remove all versions of the old and listed the old in every way they had it listed, this was court ordered due to XXXX XXXX. I also asked that they remove all addresses on file and use only my correct safe at home address given to me by the secretary of state program, XXXX XXXX XXXX. Under three law they have to use the XXXX XXXX as my physical address, they did not. I also stated my only phone number and remove all old, they did not. I sent another certified letter in second request form to fix it. On XX/XX/XXXX They refused. I can't move forward with disputing things on file until this is completed. In these I included clear printouts of my current non expired Minnesota XXXX ID, XXXX XXXX, XXXX XXXX XXXX ID card, social security card and Court order.
Consumer complaint received 2017-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

On XX/XX/XXXX2017 I went to XXXX and attempted to view my free credit reports. I was only able to view my XX/XX/XXXX report. XXXXXXXX gave me an unintelligible error. XXXXTransUnion said it could n't confirm my identity after a series of follow up questions. The follow up questions were very vague. Some included no possible correct answers, and some included multiple possible correct answers. From this it is unclear if they have accurate information on file for me.
Consumer complaint received 2022-05-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

Call capital one to inquire regarding the credit cards I also told the agent that I will call back at a later date once Ive made a decision on whether or not I was going to apply for the credit cards five minutes after I hung up the phone I got a notification saying that capital one had made an inquiry regarding my credit which I did not give them permission to do I immediately called them back and told them of the issue they had me to send him a letter with my information and information for my credit report and that was in XXXX on the first XXXX  as of today XX/XX/2022 I have still not gotten anything done I am continuously calling them as well as the credit bureaus and has still not been removed from my credit report Im basically getting the runaround from capital one and they are very unprofessional So I was told by the creditors to file a complaint with them because they are not willing to help with this situation even though I immediately informed them of what was going on and I have taken all the steps that theyve asked me to do
Consumer complaint received 2022-05-05
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

I have submitted my disputes to you, and I didn't get a response within 30 days, and you are required by law to do so. Please investigate my disputes. Thank you.
Consumer complaint received 2022-01-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings (GA)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things in my credit report. To this day over about 2 months later, I have yet to receive a response. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives me a reason to immediately remove these items from my credit report. It's been about 2 months now so they should be deleted promptly. I demand these accounts be deleted immediately or I will file litigation due to the stress that was caused to me. My information was also impacted by the XXXX data breach and XXXX have got into the hands of the wrong person. I AM NOT USING A CREDIT REPAIR COMPANY, I AM REPORTING THIS VIOLATION ON MY OWN BEHALF. I'VE ATTACHED MY LETTER, AND A UTILITY BILL FOR FURTHER VERIFICATION.
Consumer complaint received 2017-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have been trying for two weeks to get my credit freeze thawed so I can complete a mortgage loan I am working on. I did n't have my security pin so I called Transunion to find out what I needed to do. I was transferred to XXXX where I was told that they would mail me a new pin in XXXX days. I never received the pin, I called back and they said they would mail me another one. I needed the credit freeze thawed so I insisted that I need it done now. I was told they are n't allowed to do that. I asked to talk to a supervisor and I was given the same story. I asked to speak to the supervisor 's boss and I was told I would have be transferred to XXXX. I was transferred and the lady I spoke with said if I sent a fax and a copy of my drivers license that they would thaw my credit. I tried for two days 100 's of times and the fax number is always busy. I called back to the number in XXXX and I was told that they get so many faxes to the number that it is always busy, but to keep trying. It is crazy that a company as big as Transunion ca n't handle a simple credit freeze removal. Only one fax number for 1000 's of customers is definitely customer no service.
Consumer complaint received 2019-11-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am a victim of Identity Theft, I filed all the reports according to CFPB, Department of Consumer Affairs, the IRS and Police Departments. I sent the information to the Bureaus along with my ID, Credit and Police Reports, SS Card and other identifying information. I informed the Bureau of the Theft of Identify by mail and phone, I Disputed the Inquiries and requested they be removed immediately. I was impacted by the cyber breach and XXXX XXXX advised me some one was attempting to open an account & at XXXX they went into my checking acct. The Bureau has refused to delete information. I contacted the creditors and was advised, the Bureau is reporting the information NOT THEM, My job has become trying to block the thieves and fight the bureau to correct and update my information. To an end that now include my retaining an attorney. My occupation will not permit me to Freeze my account as Government and Private sectors must have access at any time. The Bureau has failed to safe guard my information and ignored all request.
Consumer complaint received 2023-05-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ADP Inc. (NJ)

I entered into an agreement with my auto insurance in XX/XX/XXXX to have payments automatically deducted from my checking account on the XXXX of each month. However, XXXX attempted to deduct two payments instead of one ACH on XX/XX/XXXX. The first payment in the amount of {$340.00} was named a merchant ACH payment on one XX/XX/XXXX and money was deducted from my balance and showed as pending. Since the miney was dedected i assumed it was paid. However Adp/Wisely stated the company never collected the funds. Money on hold was never put back. Funds were never paid and my family policy was cancelled. The money was held for 5 days, never paid or put back. Adp sais A second payment was later denied when funds were in the account. The bank stated the reason that both deposits were denied was because they both came through on the same day. This was not the case however because the first payment came through on time the date of the agreement and contract sign was XX/XX/XXXX when it first appeared as a pending payment already included and to talk to, and from my balance in the amount of {$340.00}. The payment was named a corporate ACH payment. Ado put both payments thru on XX/XX/XXXX together. Neither were approved because it was requesting the amount of {$690.00} of {$340.00} on XX/XX/XXXX four days after the agreed upon ACH withdrawal date. I was at school across the country and did not receive notice of cancellation. However, in the state of New Jersey insurers are supposed to provide 30 days cancellation instead XXXX only provided 20 days cancellation never took a XXXX payment out, but took a XXXX payment out successfully on the correct date in the right amount of {$340.00}. XXXX XXXX refused to reinstate because they were aware a claim was being filed by s person who sideswiped me. Clearly XXXX XXXX should have taken out the payment in XXXX not waited until XXXX. I really dont understand these business practices and am disputing cancellation of this policy when my money was placed on hold on or about XX/XX/XXXX on my wisely account. I will have to file a dispute with the State of New Jersey Dept of Banking and insurance as well. 
Becauee ADP has not responded to my calls. The ach numer is attached below and will be uploaded. 


Sent from my XXXX
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NV)

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 2022-05-26
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. (MS)

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2017-12-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (DC)

I transferred my federal loans from XXXX to XXXX XXXX, so that I could be apart of the Public Service Loan Forgiveness Program ( PSLF ). Under my older servicer, I made payments that would count for PSLF. XXXX was supposed to look at my account history from my older servicer to current and calculate the number of payments that I had already made that counted toward PSLF. Months after I transfered my loans, XXXX notified me that none of my payments that I had previously made counted, and that I had no payments toward PSLF except for the two I had made to XXXX. I called my old servicer and asked for my loan history and they showed that I had made payments for the past 6 years, and they said that those payments should qualify because I was in the proper payment plan and paid on time. I have tried to work with XXXX and a customer rep said they had actually not looked at all my account and she added a note asking that they finish and that they would be back to me by end of XXXX. It is XXXX and there is no change and Fedloans is not working with me.