davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I have tried to contact Transunion after viewing a copy of my credit report and see that they are still reporting medical accounts on my credit report after I informed them that I wanted to challenge the compliance of the medical accounts that they are reporting on my credit report.
Consumer complaint received 2019-02-08
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)

In 2018, I called Equifax and faxed a dispute on my credit report letting them know that XXXX Master Card erroneously charged off a balance for which they refused to provide statements or communicate with me regarding the account balance and my obligation as a joint account holder on their Master Card. There is no reference in Equifax 's reply back to me that demonstrates XXXX master card provided written statements or letters noting my monthly balances. They proceeded to charge off the card without notifying me of my obligation or giving me any opportunity to make good or negotiate with them on any outstanding balance. I wrote them repeatedly that they are required to provide me with statements as an account holder, and they ignored my request. When I could not get statements after numerous months of paying in the dark, I just assumed the account was being recognized by XXXX as paid in full, so I sent a final payment and noted " paid in full '' on my check for safe measure. That check was cashed. I took this to be an agreement as a result. Though they had at this time hit my report with a " charge off '' without due process, I also had to pay taxes to make matters worse as they issued a 1099. 

I submitted to Equifax in my 2018 dispute a copy of the 1099 XXXX Master Card sent, along with my repeated letters requesting written statements and status of the account, and a copy of the cashed check that indicated " paid in full ''. 

As a result, I demand this be removed from my credit report today and not penalize me any longer for what has been customarily a seven year timeframe on " charge offs ''. This should not apply to me. Keeping this on my credit report has caused unfair hardship on me. Equifax as a result should remove this from my record for good this time.
Consumer complaint received 2022-08-18
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. (MD)

Showing a bankrupcy # XXXX, XXXX, XXXX and XXXX I have no record of these item and the federal court has no record of these for me. When asked how did the Bureaus verify these items they have not been able too. 

Per FCRA, they have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified without using E-OSCAR or third party per Thomas v. Trans Union, LLC ( 1:18-cv-06460 ). 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA They have failed to provide information as to how this hurtful information is on my credit report.
Consumer complaint received 2023-03-31
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. (GA)

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, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$4700.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$7800.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-02-08
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. (AP)

I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX  XXXX  XXXX**** ; XXXX XXXX XXXX XXXX  XXXX**** ; XXXX/XXXX XXXX**** ; XXXX/XXXX XXXX****
Consumer complaint received 2022-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Showing a bankrupcy # XXXX, XXXX, XXXX and XXXX I have no record of these item and the federal court has no record of these for me. When asked how did the Bureaus verify these items they have not been able too. 

Per FCRA, they have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified without using XXXX or third party per XXXX XXXX Trans Union, XXXX ( XXXX ). 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA They have failed to provide information as to how this hurtful information is on my credit report.
Consumer complaint received 2023-11-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (LA)

On XX/XX/XXXX I initiated a ACH transfer request from my XXXX  Savings Account ( ... XXXX ) to pull money from my Cash App ( XXXX XXXX  ) account ( ... XXXX ) in the amount of {$8400.00}. 

On XX/XX/XXXX the {$8400.00} was removed from my Cash App account ( ... XXXX ). 

A couple of days later I received a call from XXXX XXXX  stating that the ACH transfer was " incomplete '' and that I needed to contact Cash App and have them dispute the transaction. 

I created a support case with Cash App ( ref : XXXX : ref ) to dispute the transaction, but Cash App support stated that they could not ( or would not ) dispute the transaction. The gave me the following trace # to give to XXXX to look for the transfer : trace_number : XXXX, XXXX : XXXX XXXX again checked for the funds but stated that the transfer was incomplete and that Cash App needed to dispute the transaction. Further communication with Cash App stated that there was nothing more they could do to help. 

I initiated a support case with XXXX to investigate the issue. Approximately 6 weeks later on XX/XX/XXXX, XXXX called me to tell me that they had resolved the issue and the {$8400.00} was finally credited to my XXXX account ( ... XXXX ) on this date. I do not have any specific details on what the was done to resolve the issue. 

On XX/XX/XXXXXXXX  the {$8400.00} was debited from my XXXX account ( ... XXXX ). I contacted XXXX and they stated that Cash App ( XXXX ) had requested the funds back. XXXX responded to the request by initiating a manual ACH transfer of {$8400.00} to Cash App. The transaction id for this transfer is XXXX. 

This {$8400.00} was never returned to my Cash App account and has been removed from my XXXX account. On XX/XX/XXXX I created a new support case with Cash App ( ref :! XXXX.! XXXX : ref ). Cash App now says that I need to contact XXXX and have them request the funds back. 

I contacted XXXX and they said that since Cash App requested the funds to be returned and since they did a manual transfer of those funds that they no longer have the ability to request the funds back. 

I gave this information to Cash App, but they stated that this was all that they could do and they could provide no new information. I am now at a dead end and out {$8400.00} and no one seems to know where the funds are and Cash App is no longer willing to help me any further.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I am writing to lodge a formal complaint regarding the presence of fraudulent items in my credit file. It has come to my attention that there are items listed on your platform that are fraudulent in nature, posing a significant risk to your users and damaging the reputation of your platform. 

These fraudulent items are not only deceptive but also potentially harmful to unsuspecting buyers who may fall victim to scams or receive substandard or counterfeit products. Such activities not only violate the trust of your customers but also undermine the integrity of your platform.

I urge you to take immediate action to remove these fraudulent items from your platform and implement stricter measures to prevent similar occurrences in the future. This may include enhancing your verification processes for sellers, implementing stricter guidelines for listing products, and increasing monitoring and moderation of listings.

Furthermore, I request transparency regarding the actions taken to address this issue and ensure that appropriate measures are in place to prevent the reoccurrence of such fraudulent activities.

Failure to address this matter promptly and effectively could result in irreparable damage to your platform 's reputation and trustworthiness. With this, I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX Balance : {$210.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$650.00} XXXX XXXX Balance : {$940.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX Balance : {$210.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$650.00} XXXX XXXX Balance : {$940.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX Balance : {$210.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 2023-07-21
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)

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-05-10
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: EQUIFAX, INC. (FL)

I am very stressed out because I just found in my credit report strange accounts and inquiries. The point is that these items are not related to my transactions or any other activities. I do not know them an I see them first time in my life. Could you please figure put what is that and why I have unknow items in my report. When you do so, please delete them.
Consumer complaint received 2022-08-18
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ascendium Education Group (MS)

4 Remaining Negative Accounts. 

Account Name : USA FUNDS Account Number : XXXX Account Name : USA FUNDS Account Number : XXXX Account Name : USA FUNDS Account Number : XXXX Account Name : XXXX Account Number : XXXX
Consumer complaint received 2023-07-21
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. (FL)

This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me. The items 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 items : XXXX XXXX XXXX XXXX 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 2019-02-08
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: TRANSWORLD SYSTEMS INC (TX)

I went to hospital on XX/XX/2017 and Never got treatment or advice and not even seen Doctor. I called Hospital and billing dept says we don't know about this bill for XXXX and told me I bill $ XXXX.I received letter from collection agency that I owed to hospital bill for doctor {$1000.00} I disputed to and spoke to XXXX and she did dispute as I told her. 

I called couple of months to collection agency the gentle men was very rude and he disrespect me. 
I dont know how the hospital or the collection agency charge me {$1000.00}. 

with out seeing doctor How they charge me doctor bill this looks fraud. 
No treatment not even any advice from hospital. 
Please solve my problem the collection agency reported to credit beauro and because of this fraud my credit score went down and showing negative on my credit report. 
Please solve my problem I will be appreciate.
Consumer complaint received 2022-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I was sent a pre-approved card from Capital One Quicksilver. I applied, was accepted and asked to provide ID, Drivers license and proof of residency, which I did via email. They sent my approval notification and I was given a credit limit. I notified the company that I would be out of the country, where and how long. I decided to use the card for all expenses. I purchased a few items and the hotel had charged my card with a {$200.00} hold. When I got to a discount store, my card was declined. I called Capital One to ask what the problem was and was told that I needed to re-submit my picture ID, Social Security card, and proof of residency. I informed them that I had already submitted my ID and proof of residency but would no send anyone my SS card. I was told that the card would remain suspended until those things were received because they wanted to make sure that I was indeed the person who applied for the card!. I explained that I was out of the country and depended on that card to pay for my expenses and asked them how was I going to survive without the card that they initially approved. The response was, " we will not reinstate the card without those 3 items and when you send them, we will wait 7-10 business days to decide whether we will re-activate you card. '' I suspect fraud by Capital One who approved me for credit and then decided to decline my card stating they needed to know if I was the person who applied, actually seeking more personal information for other purposes. They left me destitute in a foreign country! And had the audacity to send me a statement for payment by XX/XX/2022.
Consumer complaint received 2023-11-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (OH)

So I had a fraudulent charge on my cash app debit card I filed a dispute the next day per there policy I should have gotten provisional credit but I still have even though the merchant has sent me an. Email stating they have already sent the money back so there shouldn't be an issue with me getting provisional credit I've called cash app numerous times an keep getting blown off given lies as answers it's insane I can't even speak with a supervisor! An there so rude it's unbelievable
Consumer complaint received 2019-11-19
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I had issues in XXXX and XXXX making my payment with XXXX XXXX XXXX. Due to this issue I had a payment returned. I reached out to the manager to express my wanting to keep my credit with the company good, but needed help due to my payment complications. She advised me of a modification that can be done as long as I make the modification that day. And my credit history wouldn't be effected. I did and asked was there anything else due. Per the email attached, they told me no. Over the next two days I got a email stating my account was 30 days late. I reached out to the office and they stated that they couldn't do anything, even though I was given false info.
Consumer complaint received 2019-02-08
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. (NC)

I opened a account XXXX XXXX at XXXXXXXX XXXX in XXXX of XXXX. I had several issues with them. I was told I was signed up for auto draft, they messed that up and caused me to have late payments. In XX/XX/XXXX they told me if I paid XXXX dollars my account would be closed. In XXXX of XXXX I was contacted saying I needed to pay another XXXX dollars. The district manager told me he would fix the late payments on my credit report and sent me the letter he sent to his home office to have corrected. They would not give me a reason but said they wouldnt correct it because I didnt get a letter of ownership that I asked for and still have yet to receive. I want my payments corrected or the trade line deleted from my credit report.
Consumer complaint received 2022-08-18
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. (MI)

In accordance with the Fair Credit Reporting Act DEPT OF ED/XXXX  Account 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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of the competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Consumer complaint received 2022-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have numerous inaccuracies on my credit report starting with a previous address that is wrong and not mine. 3 accounts that are labled charge off which is in correct and an account with the date of activity which is wrong