davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (TN)

On XX/XX/XXXX  I contacted a seller via XXXX XXXX. The seller was selling a mouse for my PC and I arranged to meet with the seller now the item was new inbox meaning it was still wrapped in the plastic. while I was there nothing with the item looked out of place the plastic was intact Etc so I paid the seller via cash app and then headed home which was about 10-15 minutes away. Once I got home I removed the plastic and open the box getting ready to set up the mouse. When I opened the box I did not find a PC Mouse I found ripped up paper and small Pebbles shoved in a box. 

I've never dealt with such a situation so I went to cash apps website to find out what to do. 
https : //cash.appXXXX In this document cash app lists what to do ... however this section is an issue. 

How do I File a Dispute? 
If youve already contacted the merchant and are unable to resolve a transaction, you may be able to file a dispute. To file a dispute for a Cash Card transaction, you will need to select the transaction in Cash App. To do so : 1 Tap the Activity tab on your Cash App home screen 2 Select the transaction in question and tap the in the top right corner of the screen 3 Select Need Help & Cash App Support 4 Tap Dispute this Transaction. 

# 4 does not exist ANYWHERE in app where they send you just to get rid of you. This leaves no where to even submit a dispute. 

After reading thru the above link I reached out to cashapp tried to explain to there support what was going on, seller changed contact info so no way I can reach them. that seller was scamming people with there app and i was basically told they wouldn't do ANYTHING not even open a dispute or investigate doing nothing. I have reached out to them serveal times o. This matter and get same cookie cutter responses basically telling me oh well.
Consumer complaint received 2024-11-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am writing to formally notify you that I am a victim of a data breach and identity theft. 
Fraudulent accounts have been added to my credit report without my knowledge or authorization. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following accounts be immediately blocked and deleted from my credit file : Fraudulent Accounts : XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$16000.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$8200.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$00.00}
Consumer complaint received 2022-08-22
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. (NC)

Since XX/XX/2022, Ive notified Experian via mail about an invalid account that theyre reporting to my credit. I sent out three letters to them explaining that my identity was stolen around this time due to me losing my wallet and that someone had used my information to open this account. I even submitted copies of my police report that proves my identity was stolen around the time this account was open. Each time, they responded back, without requested proof, stating that this account was verified. I then reach out to the actual account company XXXX XXXX XXXX which they directed me to XXXX XXXX XXXX XXXX XXXX. Here, they showed me the account information in which my LAST NAME ON THIS ACCOUNT IS INCORRECT, also the stubs they sent me that the person used, Ive never worked at this job or even heard of it. I explained to them that my identity was stolen as well. They had me print out an affidavit fraud packet and send it to XXXX XXXX XXXX. I sent this packet out about a week ago. Im not sure what to do next.
Consumer complaint received 2022-09-15
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC. (MD)

My account with XXXX was transferred to Citizens bank due to a merger between the companies ( XX/XX/2022 XXXXish ). I signed up with XXXX for an account that did not allow overdrafts. If XXXX allowed my account to overdraft, it was their fault and so they did not charge me overdraft fees. When Citizens acquired XXXX, they took it upon themselves to change my account to one that allows overdrafts and overdraft fees ( since it's a way for them to earn more money ). When the ONLY branch in Maryland closed for remodeling, I was forced to change my {$7000.00} monthly direct deposit to a bank with actual branches. However, I still had some small {$30.00} bills that auto-pay from the Citizens account so I would XXXX  the XXXX money to cover those expenses. 

On XX/XX/XXXX, a monthly auto-pay subscription charged my account {$5.00}. This caused an overdraft of {$3.00}. Then, two more smaller transactions occured bringing the total overdraft to {$6.00}. I was charged a {$35.00} fee for this {$6.00} overdraft. On XX/XX/XXXX, I was notified by Citizens that my XXXX account was deactivated. This made it very difficult to get actual cash into the bank to cover the {$6.00} overdraft. From XX/XX/XXXX- XX/XX/XXXX, I was charged an additional {$90.00} in overdraft fees for " extended overdrafts ''. When I called about XXXX on the XXXX, customer service did not notify me of my overdraft or the potential of additional fees.They offered no assistance or advice on how to remedy the loss of my XXXX. 

For an overdraft of {$6.00}, I have now been charged {$120.00} on a 15 day overdraft of {$6.00} ( equivalent to an interest rate of more than 1800 % ). I called and although I never agreed to an account that allows overdrafts, I was told I was automatically assigned to this account type. The EverValue Checking account offered by Citizens does not allow overdrafts and, therefore, does not charge overdraft fees when Citizens CHOOSES to allow the account to overdraft. THIS would have been the most equitable account to transfer me to from my similar XXXX account. 

I am requesting the {$120.00} in overdraft fees to be refunded as 1800 % on a 15 day loan of {$6.00} is excessive and unfair. Other banks do not charge fees when you overdraft less than {$5.00} ( the initial overdraft was {$3.00}, less than {$5.00} ) and some are less than {$10.00}. Citizens is taking advantage of unsuspecting XXXX customers who were not previously allowed to overdraft and gouging them with unreasonably high fees. Additionally, on XX/XX/XXXX, I was not informed that my account was overdrafted and I was at risk of having additional fees charged when I called about the XXXX deactivation.
Consumer complaint received 2022-09-22
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. (SC)

This is not a DUPLICATE complaint and this not being filed by a XXXX XXXX company. 

In Accordance with the Fair Credit Reporting Act Convergent these accounts below have violated my rights according to 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 USC 1681 Section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

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 USC 1681b ( a ) ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 

15 USC 1681i. ( 5 ) ( A ) ( i ) If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; XXXX. Account Name : XXXX XXXX XXXX CA Account # XXXX XXXX. Account Name : XXXX XXXX XXXX Account # XXXX
Consumer complaint received 2022-09-02
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. (MD)

Hi I am submitting this 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 719XXXX has me at a score around 590. 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 n 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 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I Reviewed my consumer report and noticed that I had two payment on my account that I was never late for. The consumer reporting agency have assumed a vital role and has a responsibility to Report consumer information to the best of their ability with maximum accuracy.i I have never been late on my payments for the amount that I have included a screenshot of inside this complaint on data of XX/XX/year> please investigate and provide proof with a statement showing that these payments were late. If proof can't be provided I Demanded these payments be updated to be paid As agreed on time as they should be done to face I was never late. Thank you. Please see the screenshot attached.
Consumer complaint received 2022-08-13
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. (TX)

To Whom It May Concern : I Consumer XXXX am writing this letter in an effort to remove inaccurate information that has been falsely placed upon my credit report. The following information placed on my file has seriously burdened my consumer credit worthiness, credit standing, credit capacity, character, general reputation and personal characteristic. Pursuant to the Fair Credit Reporting Act,15 U. S. C. 1681 ( b ) it is imperative that credit bureaus maintain and report accurate information. The above account was classified as a discharge, therefore XXXX XXXX, XXXX was compensated for the alleged loss through tax credits. Thus, this information should be removed IMMEDIATELY. In addition, XXXX XXXX, XXXX has violated the FDCPA by sending incomplete debt collection validation information. Alleged Creditor : XXXX XXXX, XXXX Alleged Account Number : XXXX Alleged Debt : {$2900.00} Alleged Date Opened : XX/XX/XXXX Alleged Date Closed : XX/XX/XXXX Alleged Third Party Creditor : N/A Violations : The above account does NOT follow the FDCPA 12 CFR 1006.34 ( c ) ( 1 ), FDCPA 12 CFR 1006.34 ( c ) ( 2 ) ( i ) - ( v ) :34 ( c ) ( 2 ) ( ix ), FDCPA 12 CFR 1006.34 ( c ) ( 3 ), FDCPA 12 CFR 1006.34 ( c ) ( 4 ) and is in violation. By the provisions of the Fair Credit Reporting Act, I demand that this item be investigated and removed from my credit report. In addition, please send an updated/revised credit report to me after these accounts have been deleted. Your prompt attention to this matter is greatly appreciated. Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-12-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp. (TN)

This spammer sent me a text message and I have never had any dealings with them nor do I owe them anything. The text message comes from the number XXXX. Here is the message they sent : Check out 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
Consumer complaint received 2022-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

To Whom It May Concern : I Consumer XXXX am writing this letter in an effort to remove inaccurate information that has been falsely placed upon my credit report. The following information placed on my file has seriously burdened my consumer credit worthiness, credit standing, credit capacity, character, general reputation and personal characteristic. Pursuant to the Fair Credit Reporting Act,15 U. S. C. 1681 ( b ) it is imperative that credit bureaus maintain and report accurate information. The above account was classified as a discharge, therefore XXXX XXXX, XXXX was compensated for the alleged loss through tax credits. Thus, this information should be removed IMMEDIATELY. In addition, XXXX XXXX, XXXX has violated the FDCPA by sending incomplete debt collection validation information. Alleged Creditor : XXXX XXXX, XXXX Alleged Account Number : XXXX Alleged Debt : {$2900.00} Alleged Date Opened : XX/XX/XXXX Alleged Date Closed : XX/XX/XXXX Alleged Third Party Creditor : N/A Violations : The above account does NOT follow the FDCPA 12 CFR 1006.34 ( c ) ( 1 ), FDCPA 12 CFR 1006.34 ( c ) ( 2 ) ( i ) - ( v ) :34 ( c ) ( 2 ) ( ix ), FDCPA 12 CFR 1006.34 ( c ) ( 3 ), FDCPA 12 CFR 1006.34 ( c ) ( 4 ) and is in violation. By the provisions of the Fair Credit Reporting Act, I demand that this item be investigated and removed from my credit report. In addition, please send an updated/revised credit report to me after these accounts have been deleted. Your prompt attention to this matter is greatly appreciated. Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc. (CO)

I had a student loan serviced by Aidvantage years ago. I had it set on autopay and they still reported melate. I tried to resolve it with them in 2015 and they never fixed the issue. They instead reported latepayments and reported it as a collection. 

I submitted a claim to the CFPB already claim # XXXX. 

Aidvantage replied to the CFPB saying they would remove it from my credit report in XXXX and they still have not removed it. 

Interest rates have been going on on home mortgages and I can pursue the company for financial distress since it is impacting my credit score and rate.
Consumer complaint received 2024-10-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (AZ)

Well I got my last check from my employer went to deposit it in my bank sofi on XX/XX/year> so all you can do is mobile deposit they said it would be XX/XX/year> to be available so I decided to cash the check {$390.00} instead well since I endorsed it saying " mobile deposit to sofi '' I could not cash it anywhere. I deposit it assuming they would make something available but they did not so I reached out to an agent was told it will be available the XX/XX/year> ( see screenshots ) so I told my new employer I would be available on XX/XX/year> to start well the check did not clear it's showing in my account but account was negative so I get ahold of them again and they said sorry for the misinformation there is nothing we can do to expedite it itll be available XX/XX/year>. So I my employer I was misinformed by the bank being new not a good look. XX/XX/year> I received an email saying my account no longer needs attention it has been brought out of the negative new balance of {$340.00} so I thought it cleared well it still says negative {$50.00} and the check shows being deposited it's not pending nothing so I reach out again now I'm being told XX/XX/year> it will be available. So XXXX different dates from their agents but what is getting me the fact they were able to pay themselves back from my over draft the check cleared it's showing in my. Account im just not allowed to use it till they decide to let me I guess probably needless to say I now have to find another job be out of work that much longer. My bills come in every month on time I can't just pysh them back a day or XXXX then another day or XXXX just cuz I don't feel like paying them. How can they take my money to pay my overdraft off then hold the rest so I can't do anything get gas groceries anything.
Consumer complaint received 2022-08-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: State Collection Service, Inc. (GA)

account number XXXX Reference Number : XXXX 1/ Our records indicate someone placed two FRAUD transactions with XXXX XXXX XXXX XXXX brand ) in XX/XX/2022, the total amount are {$52.00} and {$100.00} which were blocked by credit card fraud system automatically. 
2/ After receiving the Fraud alert text, I reported to credit card company immediately those are not my purchase. 
3/ I contact XXXX brands company and reported those two FRAUD transactions, and they agrees to remove it. 
4/In the XX/XX/2022 we received a collection mail from State collection service. in the XX/XX/XXXX again I contacted the XXXX brand collection department ( XXXX ) to reconfirm those are not my debt, and they agrees it.
Consumer complaint received 2022-09-21
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. (NC)

Despite two written requests, I still have unverified items listed on my credit report in violation of Federal Law. CRAs are required under the FCRA to have properly verified that an account listed on my credit file is mine by having a copy of the original credit application on file. In the results of the first investigation and subsequent reinvestigation, CRAs stated in writing that they verified that these items are being reported correctly. 

I have NOT been provided : * The name of the person who verified these accounts are mine? 
* How did they verify them? 
* The name of the individual, business address, and telephone number of the person or *business contacted during the re-investigation. 
* Copy of ANY original documentation ( credit application with my signature on it ) as required under Section 609 & Section 611 ( a ) ( 1 ) ( A ).

* Method of verification as required under Section 611 ( a ) ( 7 ).

Under Section 611 ( 5 ) ( A ) of the FCRA-CRAs are required to promptly DELETE all information which can not be verified.
Consumer complaint received 2022-03-06
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: HSBC NORTH AMERICA HOLDINGS INC. (FL)

On XX/XX/XXXX, I got a call from a man who, after confirming my name and address, said a " case '' had been filed against and that I was going to " be 'served ' with legal papers '' the following day. He gave a case number ( XXXX ) and number to call. XXXX called the number, and my identity was linked to my phone number, and was told I had a legal matter and would be served with papers concerning a debt. They pressed the matter and after I informed them I had no debts, was told they wouldn't hold a trial over the phone. I asked if they were debt collectors and they said they were a " mediation '' firm, and I called them debt collectors. I told them they sounded like a scam and were violating the FDCPA and they refused address, identity, corporate filing information and hung up. I called back demanding to know WHO they were, they kept hanging up. They had identified as XXXX XXXX and XXXX. I called back after waiting a few days and a woman told me they were in XXXX, Florida at XXXX XXXX XXXX, no XXXX XXXX. Upon checking with they property owner, the multiple suite complex had no such Tennant. Secretary of State Florida had no such business registered either. They provided an email of XXXX. checking email is valid but info on, biz site for ownership shows listed domain, but ownership details redacted for privacy. A subpoena or agency could get who they are released. I was also told this was an HSBC debt of over a thousand dollars from XXXX and they would settle the debt for 50 %. 
XXXX XXXX was trying to collect on a fraud listed fifteen year old debt, pretended it was a filed case, and denied trying to collect upon a debt I did not owe. 
Further research uncovers the same scam listed elsewhere by the same people. 
They refuse to discuss the matter, disclose who they are or where they are, or any corporate address or filings with any regulatory agencies. 
I can be reached at XXXX, and can provide enough proof of this to fine or charge them with a crime. The number for " XXXX XXXX '' is ( XXXX ) XXXX.