davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-09
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. (CA)

On or about XX/XX/23 a fraudulent application for credit using my name, XXXX and XXXX and a fraudulent address was submitted to XXXX XXXX. XXXX XXXX  attempted to pull my credit report from XXXX, but were unsuccessful since I keep my credit reports frozen. 

The fraudulent address used by the criminal was : XXXXXXXX XXXX XXXX XXXX., XXXX  XXXX, XXXX XXXX, IA XXXX Upon alert by XXXX, I immediately phoned XXXX XXXX and advised them of the fraudulent application and ensured my existing accounts with XXXX XXXX  were secure. At that time I also confirmed with XXXX XXXX  that my telephone numbers and address were correct. 

On or about XX/XX/23 I received an alert from Experian about an address change to my credit report. Upon speaking with Experian, the new address added to my credit report was he fraudulent address used in the fraudulent application for credit at XXXX XXXX. Experian instructed me that since the address was reported to them directly by XXXX XXXX, only XXXX XXXX  could have the fraudulent address removed. I immediately contacted the XXXX XXXX 's Fraud Department and they assured me that the fraudulent address was not on any of my accounts. 

On XX/XX/23 at approximately XXXX XXXX  I accessed my XXXX XXXX  online banking and happened to notice that my residential address had somehow been changed to the fraudulent address mentioned above. I immediately changed the address to the correct address. I also immediately called XXXX XXXX  to see how this even happened in the first place. The representative I spoke with was extremely unhelpful. She stated she would have seen if there had been a recent address change and that as far as she could see the fraudulent address never appeared on my account and that the recent change I made never happened. She also stated that in order to address the issue I needed to mail notification to XXXX XXXX. This is extremely unsatisfactory. 

I am currently overseas and having to mail XXXX XXXX  will take a long time and meanwhile my credit reports will contain, because of XXXX XXXX  's failure on many levels, a fraudulent address which will not only make me more susceptible to fraud, but hinder any applications for credit that I may make. 

Not only is XXXX XXXX  making it extremely difficult to even have them correct their error, but they have never explained how they even allowed this address change to happen or why I was never notified in the first place even though I subscribed to alerts.
Consumer complaint received 2023-04-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (OK)

I had to charge for {$41.00} at an XXXX I thought I had lost my card I did not lose my card somebody I guess I don't know how they use my card but I had my card so I don't know if they just use the number or what but my bank will not reimburse me they said it was not a problem I filed the police report submitted the police report with the bank and still nothing
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Per the FCRA as a federally protected consumer. I am now opting out any and all authorizing. I the consumer may have given you ; written, unwritten, verbal and nonverbal per 16 CFR 313.7 313.7 Form of opt out notice to consumers ; opt out methods.

( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 313.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right.

433.3 Exemption of sellers taking or receiving open end consumer credit contracts before XX/XX/year> from requirements of 433.2 ( a ).

( a ) Any seller who has taken or received an open end consumer credit contract before XX/XX/year>, shall be exempt from the requirements

of 16 CFR part 433 with respect to such contract provided the contract does not cut off consumers ' claims and defenses. ( b ) Definitions. The following definitions apply to this exemption : ( 1 ) All pertinent definitions contained in 16 CFR 433.1. ( 2 ) Open end consumer credit contract : a consumer credit contract pursuant to which open end credit is extended. ( 3 ) Open end credit : consumer credit extended on an account pursuant to a plan under which a creditor may permit an applicant to make purchases or make loans, from time to time, directly from the creditor or indirectly by use of a credit card, check, or other device, as the plan may provide. The term does not include negotiated advances under an open-end real estate mortgage or a letter of credi
t.
Consumer complaint received 2023-04-09
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. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-04-15
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. (NY)

As of XX/XX/2022 XXXX statue of limitations laws have changed to 3 years. This should no longer be reflecting on my credit report. Consumer Credit Fairness Act of NY. Not the original debt and no validation. I have tried speaking with them and all they want me to do if verify my information, I am NOT verifying anything with anyone unless I know what the said debt is all about. They have never provided me with the correct paperwork, sign contract or anything. These need to be removed from my credit reports and they need to stop contacting me in all forms about this said debt.
Consumer complaint received 2022-09-27
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX # XXXX and # 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 2023-10-16
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. (AL)

XXXX XXXX XXXX XXXX Reported : XXXX XXXX, 2023 Is a violation of my rights A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate.this account is in bankruptcy from the creditor I was only a co-signer. That account is being payed full shouldnt never reported a delinquent status on my report period it not even on the creditor report whos in bankruptcy.Also if the account status been closed with or without a balance it shouldnt report a balance higher than it was on the date closed after any closed date on any account that would mean the account never closed which makes the information inaccurate
Consumer complaint received 2022-04-15
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. (AL)

In accordance with the fair credit reporting act 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.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

An account with XXXX XXXX is reporting on inaccurately with TransUnion, XXXX and XXXX. The discrepancies in reporting includes the following : ( 1 ) Date Opened ; ( 2 ) Date Last Active ; and ( 3 ) Payment History. Account to my credit report, TransUnion is not reporting a payment history ; XXXX is reporting a repossession and XXXX is reporting that my account is in good standing. I have attached a copy of the account as it is recorded on my credit report.
Consumer complaint received 2023-04-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (GA)

On XX/XX/XXXX I sent my sister XXXX. She sent it back because she thought she no longer needed it. 
On XX/XX/XXXX, she asked for it again, when I went to send it, cash app flagged it as fraud ; and said they were holding my money for 3 days, then returning it. 
Cash app withdrew XXXX from our account. ( XXXX plus fees ) and never returned my {$510.00}. Ive called, inboxes support, and all they said was that they have no further information. 
I disputed with my bank since we are almost in May, and cash app is challenging the dispute! 

They sent my bank receipts for the 6th, and lied and said my sister cashed out. However, the transaction she cashed out is merchant token : XXXX, I am disputing merchant token ; XXXX. 

My question is where is my money? They refuse to give it back, and dispite not having an answer for me.., why are they lying to my bank? 
Did an employee keep my money? When I spoke to an employee XXXX he never answered and just repeated that my money would be returned in XXXX business days from XXXX but we are in XXXX! 

I have attached the conversation with myself and cash app, plus the lies they sent my bank. 
You willl see these are two different transactions and that they NEVER address my concerns that the money was not returned
Consumer complaint received 2023-04-18
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. (NY)

I am writing today concerning the following incorrect information on my file, which is a closed XXXX XXXX XXXX, this was opened on XXXX XXXX  and was closed in the amount of {$3100.00} and a collection by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the amount of {$740.00} which was opened on XXXX XXXX. I am an unfortunate victim of identity theft due to the fact that i had no knowledge or participation in the opening and closing of these accounts, as a result, i went to identitytheft.gov as soon as i was aware, which was of XX/XX/, to report these incorrect reports that adversely affect my public confidence.
Consumer complaint received 2022-05-25
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: Absolute Recovery Services, LLC (TN)

Apparently, Absolute Recovery purchased an account from XXXX @ XXXX XXXX Apartments ( Original Creditor ). I was unaware that I owed any money because I notified the apartment manager I was not going to renew my lease due to having to relocate for my job ( this was at least 3 months before I moved ) The apartment manager stated that was fine but apparently when I moved they charged me a months rent stating I didn't give them a 60-day notice when in fact I did ( verbally, upon paying rent ) I caught wind of this debt when it was recently reported to credit bureaus and placed on my credit. I did notice I was getting calls from weird numbers ( when I answer they would hang up ) and when I called the number back it would be Absolute Recovery ( making it like I was calling them after they called me and hung up ) Here are the numbers I was being called from and I told them numerous times not to call me because I'm at work nor did I have any knowledge of an owed debt ) XXXX XXXX XXXX Absolute Recovery is very aggressive and rude, I understand they want to collect a debt they purchased for pennies on a dollar but I've disputed this inaccurate data numerous times and it had not been marked disputed on my credit report which is also a violation of the FCDPA. I also informed the agent, who stated her name was XXXX XXXX I never signed a contract with their company and had spoken with the apartment complex who failed to contact me with any balance owed, therefore ; I don't owe a balance with them nor did I give permission for the collection agency to have my SSN, therefore ; the account should be deleted from my credit profile. Also, the amount listed isn't the correct balance the apartment manager stated and the reasoning why. If this dept isn't deleted, I will seek legal counsel to handle this matter.
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2023-04-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Lyons, Doughty & Veldhuis, PC (DE)

Lyons, Doughty & Veldhuis, P.A. has garnised my wages for an account I've never opened nor have any knowledge of. I've never signed any documents for the supposed account I was never called, emailed, or mailed anything in regards to the alleged account. I asked them to provide me proof that the alleged account belonged to me. I asked them to provide proof the alleged account was opened in my name with my identification my signature, the dates the alleged account was opened as well as all original creditor information. I provided the company proof of residency, proof of police report, proof of credit report with different dates the account was supposed to had been open as well as different balances of the supposed account. I asked them to stop the wage garnishment as well as reimburse me for the funds they wrongly took from me and remove it from my credit report. I sent everything via certified mail which I have proof they received and signed for. Wage garnishment dates and amounts XX/XX/ {$180.00} XX/XX/XXXX  {$190.00} XX/XX/XXXX  {$180.00} XX/XX/XXXX  {$190.00} XX/XX/XXXX  {$200.00} XX/XX/XXXX  {$140.00}
Consumer complaint received 2023-04-18
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. (GA)

hello yes I have i tried to resolve this issue with these companies XXXX XXXX XXXX told my to upload this letter and ask you guys to delete this fraud account XXXX  sent me this so I'm uploading
Consumer complaint received 2019-11-24
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: Blackhawk Network Holdings Inc. (IN)

I bought a {$200.00} face value Blackhawk Master Gift Card on XX/XX/2019. When I used at XXXX on the same day, the card got declined. I found the money was deducted from my card. I contacted Blackhawk regarding that. I followed their instructions to submit a dispute form with the receipt from XXXX. Blackhawk sent me another email on XX/XX/XXXX, and requested me to provide more information but without telling me what information. I called Blackhawk again on XX/XX/XXXX afternoon. The wait time for a representative changed from 4 min to 14 min to 85 min and 64 min but hard to get hold of some representative to help. When a rep finally answered, he just asked me to submit correspondence records with records and other unnecessary stuffs. I provided the receipt and form already. Blackhawk just made the dispute extremely difficult so customers will just give up their own money for peace of mind. 

BH case # XXXX
Consumer complaint received 2015-11-19
Product: Debt collection — Federal student loan
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Navient Solutions, LLC. (CA)

General Revenue Corporation has been calling both my cell and work phone numbers repeatedly during working hours despite me telling them that I can not accept calls at or during work. Today they called a colleague with a different phone number than my own, one that has no ties at all to me, and told her to give me a message. This is harassment and totally inappropriate. I am sending them a registered letter so they have the request in writing, but based on the experiences of other consumers, I do not expect this to be honored. I will send a second if needed, but I am not hopeful.
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. (NC)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited tohold you accountable for your willful noncompliance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-11-24
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: SYNCHRONY FINANCIAL (MA)

I would like to report this incorrect late remark that shouldn't be in the report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK XXXX OK OK
Consumer complaint received 2022-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Armed Forces Loans of Nevada Inc. (NC)

Filed a complaint on XX/XX/2022 with the CFPB stating that there is no bankruptcy on my consumer report and this account with Armed Forces loans shows under wager earner plan. Armed Forces responded and said they would remove the account within 5 business days from their response. As of today it's still there and they haven't removed it.
Consumer complaint received 2018-06-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (NV)

I have an unverified account from Enhanced Recovery. I had previously disputed this account. I have never done business with Enhanced Recovery. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that Enhanced Recovery provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that Enhanced Recovery Cease and Desist all further communications and collection actives and provide the verification of the purported debt.