davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

XX/XX/XXXX 1.Experian has on my report double information ... XXXX XXXX is on my report twice on XX/XX/XXXX checking my credit, should only be on my report once, REMOVE THE SECOND ONE. 

2.Experian has on my report double information ... XXXX is on my report twice on XX/XX/XXXX checking my credit, should only be on my report once, REMOVE THE SECOND ONE. 

3.Experian has on my report double information ... XXXX XXXX  is on my report twice on XX/XX/XXXX checking my credit, should only be on my report once, REMOVE THE SECOND ONE. 

4. Experian has on my report double information ... XXXX XXXX is on my report twice on XX/XX/XXXX checking my credit, should only be on my report once, REMOVE THE SECOND ONE. 

ALL 4 OF THE ABOVE ONLY RAN MY CREDIT ONCE IN XXXX AND EXPERIAN HAS IT ON MY CREDIT REPORT TWICE, IDENTIAL ITEMS TWICE, THEY NEED TO CORRECT THIS IMMEDIATELY! There is no reason that a double credit check would have been ran on the same month, I only purchased ONE CAR! 

XXXX want my credit report to reflect 1 CREDIT CHECK from each one below not 2. Two credit checks were not done ONLY 1 WAS DONE FOR EACH BELOW IN XX/XX/XXXX.
Consumer complaint received 2022-09-29
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 and XX/XX/202XXXX XXXX
Consumer complaint received 2023-07-06
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 AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-07-06
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. (ID)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting Act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-09-29
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. (MD)

In accordance with the Fair Credit Reporting act, XXXX XXXX # XXXX # XXXX - XXXX XXXX XXXX, XXXX XXXX, XXXX, VA 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. States a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-06-28
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. (FL)

I am interested in processing disputes on my credit report to delete an remove all inaccurate information WITH EQUIFAX. this has been an ongoing issue that needs to be resolved. looking over my file ive seen alot of errors that causing major delays an effects to my credit profile. please review an remove an delete the invalid data to clear my credit report. ive listed all items that needs to be removed asap.
Consumer complaint received 2023-02-09
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with overdraft — Overdraft charges
Company: Block, Inc. (WI)

The evidence is irrefutable and it is unclear to me whether the assaulter is threatening Defamation and or Profit Loss towards both Cashapp and or myself. Cashapp needs to remedy this issue. All I know is that whether I went through on any of those days prior to the merchant cancelling the order technically is Cashapps fault as the merchant should have never had anything to cancel because despite whether Cashapp knows whether or not I knew I was making a deceiving purchase from a well know merchant in its field or not they deny kinds of transactions where if you dont have the funds available they go ahead and decline a purchase and it reads AND I QUOTE NOT ENOUGH CASH which will never read Cancelled if it was never enough funds to proceed Cashapp not only has deceived The Department of Consumer Protection of XXXX XXXX , but now have deceived this Governmental body as well. I do not think the formation of agreeing to whats in the Jotform of the first proper department alerted of this should take this long.
Consumer complaint received 2019-11-26
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: Experian Information Solutions Inc. (IN)

This is my third attempt to explain precisely what the issue is. Previous complaint # XXXX was closed. I will elaborate. 

In XX/XX/2016, my small business opened a Credit Card with XXXX XXXX. This is a business account, not a personal account. The business is an LLC, and has all necessary documentation filed with the state as well as a EIN # for tax purposes. It should not be on my credit report. Experian and XXXX will not remove this business account from my credit report. XXXX XXXX removed it from my report without resistance. 

I did not agree to a personal account, I specifically asked the agent on the phone for a business card. I was assured by the agent at XXXX XXXX that this was a business account, not a personal account. Repeated inquiries to XXXX XXXX were made after the account was opened, and I was assured over and over that this is a business account. the credit reports ALSO list it as a business account. I do not understand why it continues to be tied to my personal credit report. I would like to know the truth as to why this remains on my credit report. Was a misled into a credit product that is actually not a business card?
Consumer complaint received 2023-02-08
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Block, Inc. (NY)

Cash App, together with XXXX, for which a complaint had already been filed and is now closed, decided to keep a portion of a series of 3 transactions attempts. Cash App was responsible to make sure that my wife received {$2000.00}, which she never received. While I was not sure whether the first {$2000.00} was received, I went ahead and sent another {$2.00}, XXXX. A prior {$50.00} dollars was sent to assure that the transactions would work. After a day or 2, my wife informed me that she didn't receive any money from me. Upon an initial conversation with Cash App 's Rep, I was informed to take the matter with my bank, XXXX. XXXX, based on its most recent response states that they refunded or credited my account of {$2000.00} but that I would have to have Cash App refund the second {$2000.00} dollars. And XXXX further states that the {$50.00} was a contingency fee and that would also be up to Cash App to reimburse that to me, none of which makes sense. This entire situation is a scam, designed to defraud me of as much as {$2000.00}. I am attaching a copy of both my and my wife 's bank statements, together with XXXX 's most recent letter for your reference and investigation. Should you have any questions, please email me at XXXX or call me at XXXX. Thank you.
Consumer complaint received 2023-02-08
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc. (NC)

I lost my Cash App Card at XXXXXXXX XXXX XXXX and canceled it the next day I was charged twice for a purchase at XXXX & XXXX I made on Saturday and was charged again on Sunday two days after this on Tuesday somebody tried to use my old card on XXXX even though it was canceled. It would've gone through if my card wasn't already locked because me being charged twice on the purchase I mentioned at the beginning of this complaint. If this is not fixed I will stop using their service as I have had problems with payment and other things before.
Consumer complaint received 2022-09-29
Product: Credit reporting, credit repair services, 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)

Credit Bureaus XX/XX/XXXX To whom it may concern, I recently sent your agency a dispute document requesting an investigation of inaccuracies appearing in my credit file. I received your response, and the following inaccuracies remain on my credit report : # XXXX XXXX # 2 Current address # 3 Current employer Once again, I am notifying you that these items are not reported correctly for the reasons listed below, and I am asking you to reinvestigate them : 1. My current phone number is XXXX a. XXXX was stolen from me and is under police investigation by XXXX XXXX XXXX XXXX XXXX. 
2. My current address is XXXX XXXX XXXX, XXXX, FL XXXX a. XXXX XXXX XXXX, XXXX, Florida XXXX was my previous address 3. My current employer is Blue Origin According to the Fair Credit Reporting Act, Section 607, you must ensure maximum accuracy of the information contained in my credit report. 
Please respond promptly. I prefer that we both avoid the pursuit of my rights under 15 USC Sections 1681n and 1681o, which require your compliance with the law. 
Name : XXXX XXXX XXXX SS : XXXX DOB : XX/XX/XXXX Let me know if you need any additional information to verify my identity and remove this account. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX cell
Consumer complaint received 2022-10-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXXXXXX XXXX XXXXXXXX is saying I opened a gym membership with XXXX XXXX in XX/XX/XXXX and did not pay for said membership and this is incorrect. I never opened a gym membership in XXXX or XXXX and they are failing to provide said gym contract or any documentation signed by me. In accordance to the Fair Credit Report act convergent this account violated my rights 15 U.S.C 1681 Section A states I have the right to privacy. 15 U.S.C 1681 Section A Section 2 : Also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-06-28
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. (AR)

This is XXXX XXXX, I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress.This was my 5th attempts to get this matter resolved. I've submitted previous complaints with the CFPB & you claim I'm submitting the information for someone else. I have no clue what in the world you're trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. The 3 credit bureaus has failed to comply with Fair Credit Reporting Act ( FCRA ). I disputed information that are reporting to my credit file held with credit bureaus. These items were opened fraudulently. I informed them of the issue & provided them with the required documents to remove the items via FCRA Section 605b. They have failed to remove the items, additionally they have failed to provide me with any legal contract to reflect I was the one who opened my account. I need the following items removed from my report ASAP : XXXX XXXX XXXX XXXX, AR XXXX ; XXXX, AR XXXX ; XXXX XXXX Balance Owed : {$600.00} ; XXXX XXXXXXXX XXXX XXXX Owed : {$680.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX Balance Owed : {$600.00} ; XXXX XXXX XXXX Balance Owed : {$1400.00} ; XXXX XXXX Balance Owed : {$1300.00} ; XXXX XXXX Balance Owed : {$600.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2019-11-26
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. (IN)

This is my third attempt to explain precisely what the issue is. Previous complaint # XXXX was closed. I will elaborate. 

In XX/XX/2016, my small business opened a Credit Card with XXXX XXXX. This is a business account, not a personal account. The business is an LLC, and has all necessary documentation filed with the state as well as a EIN # for tax purposes. It should not be on my credit report. XXXX and Equifax will not remove this business account from my credit report. XXXX XXXX removed it from my report without resistance. 

I did not agree to a personal account, I specifically asked the agent on the phone for a business card. I was assured by the agent at XXXX XXXX that this was a business account, not a personal account. Repeated inquiries to XXXX XXXX were made after the account was opened, and I was assured over and over that this is a business account. the credit reports ALSO list it as a business account. I do not understand why it continues to be tied to my personal credit report. I would like to know the truth as to why this remains on my credit report. Was a misled into a credit product that is actually not a business card?
Consumer complaint received 2022-02-25
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (IL)

I spoke with a XXXX ( XXXX?, would not provide last name ) of Transworld Systems Inc. on XX/XX/2022 from approximately XXXX XXXX. to XXXX XXXX. The purpose of my call was to confirm their mailing address. She provided a mailing address in Delaware. There are two mailing addresses on the notice neither of which are in Delaware ( both in PA ). Consequently, either TSI XXXX XXXX is intentionally sending misleading/insufficient/illegal notices to debtors or is misleading callers to send disputes to the wrong address such that the debtor waives their rights and the presumed debt becomes valid. I have not attached documentation due to HIPAA.
Consumer complaint received 2019-11-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (TX)

I received this email : Please see below. 

Lawsuit Bureau of Consumer Financial Protection, et al. v. Consumer Advocacy Center , Inc. d/b/a Premier Student Loan Center, et al. 

***Do not REPLY to this email. If you have questions, send them to XXXX. 

You appear to be a customer of one of the student loan debt relief companies identified below. These companies have been sued by the Bureau of Consumer Financial Protection ( CFPB ), and the States of Minnesota, North Carolina and California for deceptive practices and taking unlawful advance fees. The Court has appointed a Receiver who has suspended the companies operations. 

We recommend that you immediately contact your student loan servicer about the status of your student loans. A list of approved student loan servicers can be found at the U.S. Department of Education Student Loans Website : https : //studentloans.gov/myDirectLoan/additionalInformation.action. 

The Receivers office has set up a webpage with additional information about the lawsuit. https : XXXX. We will post updates on the website as the case proceeds, and you can also review a list of Frequently Asked Questions ( FAQs ). The Receiver gets many emails with questions from consumers. We can not respond to each inquiry separately, but will update the FAQS as questions come in. In the meantime, we again stress that you should contact your loan servicer. 

The Companies which have been sued : XXXX XXXX XXXX XXXX, also doing business as XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, also doing business as XXXX XXXX XXXX ; XXXX XXXX XXXX, also doing business as XXXX XXXX XXXX ; Some of the other names defendants used include the following : 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 ; and XXXX XXXX XXXX.
Consumer complaint received 2023-07-06
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. (DE)

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 XXXXXXXX XXXX XXXXXXXX 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 2023-06-28
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. (PA)

In accordance with the fair credit Reporting act XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2023-07-06
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$160.00} ; XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$120.00} ; XXXX  XXXX XXXX XXXX Original Creditor : XXXX  ) XXXX Balance : {$98.00} ; XXXX  XXXX XXXX XXXX : {$1600.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX 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
Consumer complaint received 2019-08-06
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc. (CA)

On XX/XX/2019, I initiated a transfer for {$1500.00} XXXX  dollars to XXXX. The funds were deducted from my XXXX XXXX Account ending in XXXX on XX/XX/2019. Funds were to be available by XX/XX/2019. Subsequent to the transfer I was asked for additional information that was already provided to Remitly. I was then informed that it would take an additional 5-7 days for the transfer to be processed and ready for pickup. Because of the many false representations and outright negligence of Remitly I elected to cancel the transaction. I received an email confirmation of the cancellation on XX/XX/2019. In the email Remitly falsely claimed that, " No funds will be withdrawn from your account. '' The funds have been deducted and as of this writing have not been returned to my account.