davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (FL)

[ Your Name ] [ Your Address ] [ City, State, ZIP Code ] [ Email Address ] [ Phone Number ] [ Date ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Formal Complaint - Fraudulent Transaction on Cash App Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding a fraudulent transaction that occurred on my Cash App account on XX/XX/2023, resulting in a loss of {$2500.00}. Despite my efforts to resolve this matter directly with Cash App, the issue remains unresolved, and I believe it is necessary to seek assistance from the Consumer Financial Protection Bureau to address this serious issue. 

On the aforementioned date, I discovered an unauthorized transaction on my Cash App account, where {$2500.00} was fraudulently withdrawn without my consent. Immediately upon discovering the fraudulent activity, I contacted Cash App support and reported the incident. They initiated an investigation into the matter, but the investigation has been prolonged and inconclusive, with no refund issued or satisfactory explanation provided as to how the transaction occurred or who may be responsible. 

I have diligently followed all the necessary steps and provided all the requested information to Cash App throughout this process. Despite my efforts, the resolution has been unsatisfactory, leaving me without the reimbursement I am entitled to and without any clarity on the cause of the transaction. I have attached relevant documentation to support my complaint, including copies of transaction records, communication with Cash App support, and any other pertinent evidence that showcases the urgency of this matter.

I am seeking your assistance in resolving this issue and ensuring that appropriate action is taken against Cash App to rectify the fraudulent transaction and prevent such incidents from occurring in the future. I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take necessary action to protect consumers ' interests and rights. 

I am available to provide any additional information or documentation that may be required during the course of this investigation. I would also appreciate receiving updates on the progress of my complaint and any steps taken by the Consumer Financial Protection Bureau to address this issue. 

I genuinely believe that the involvement of the Consumer Financial Protection Bureau is crucial in this case to safeguard consumers and hold financial service providers accountable for their actions. I appreciate your attention to this matter and look forward to a swift resolution. 

For reference, the case # is : XXXX
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am writing to express my deep concern about the security of my personal information, as I have observed inaccurate items repeatedly appearing on my credit report that are unrelated to me. I am highly concerned about the potential risk of unauthorized access this may pose.
Consumer complaint received 2023-06-30
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. (MI)

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 XXXX XXXX XXXX. 

Account name : XXXX XXXX XXXX XXXX XXXX  XXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX account name : XXXX XXXX XXXX XXXX XXXX account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX account name XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-06-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (VA)

I have a business account with chase bank that was recently opened the beginning of XXXX. I am a XXXX XXXX XXXX  and my first XXXX submitted their first payment to me on XX/XX/XXXX. Chase immediately froze my account, has closed the account has said that they are no longer doing business with me, and will not provide an explanation or a reason. They also did not notify me that this was happening. I noticed it when my payments from that account were being rejected and now I have return check fees. Chase is currently holding tens of thousands of my dollars that I can not access. They let me know I can still make deposits but no withdrawals. Feels like I was robbed.
Consumer complaint received 2023-06-30
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 XXXXXXXX Account XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX has violated my rights. Or list of inquiries 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 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AZ)

My account with those creditors was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2023-10-12
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. (MI)

XXXX account # XXXX have 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 an 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 competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt- The Fair Credit Reporting act, Section 609 ( a ) ( 1 ) ( A ) states that I am entitled to the source of this information which is the original contract with my signature on it. If you are unable to verify the account with the original contract the information should be removed from my credit profile and credit report within 30 days
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CT)

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 XXXXXXXX Account Number : XXXX and list of Inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-06-30
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: FIRST CITIZENS BANCSHARES, INC. (SC)

I opened a new account with CIT Bank due to the posted good interest rates for savings accounts and XXXX mos CDs. I went to the website ( after speaking with a representative on the phone to get some questions answered and add'l details ), to open an account with starting balance of {$25000.00} which was to be withdrawn, XXXX TIME, from my XXXX XXXX account XXXX I completed the online form at which point received info that it could take up to 3 days to validate my XXXX accounts and to look for XXXX small deposits. Once those XXXX small deposits were validated, they'd open the account. 

I checked my XXXX account AND CIT Bank account daily. After a few days, I saw the small deposits and w/drawls to the XXXX account, followed the link to CIT Bank and validated the amounts. At that time, the CIT Bank account showed NO PENDING transactions and my new account balance was {$0.00}. The CIT website AND phone app, showed no $ $ at all scheduled to be coming in or going out. So wanting to fund the new account with {$25000.00} I entered that amount since my XXXX account was now validated. 

On XX/XX/XXXX I saw the $ XXXX leave my XXXX account and post to the CIT Bank account. No problem. Today, XX/XX/XXXX, I logged into XXXX and noticed that I'm overdrawn a little more than {$23000.00} whereas the prior day AFTER the $ XXXX was transferred, I had a couple XXXX remaining in the account. After speaking with XXXX, learned that CIT Bank withdrew ANOTHER {$25000.00} on XX/XX/XXXX which caused the overdraft. [ Fortunately I have sufficient funds in other XXXX accounts to cover the shortfall but that's not the point of this matter ]. 

I called CIT Bank who informs me that it's my fault b/c after I validated my XXXX account, I entered another $ XXXX to be transferred. After several minutes of arguing with them on the matter I gave up. Their online system is GREATLY flawed as there was NO EVIDENCE on either my app or their website that they had even processed the initial $ XXXX or that it was pending or in-process. To the contrary, their sites showed NO ACTIVITY on my account and clicked every single link associated with my account available at that point. Further CIT informs me that once a transfer has started, they can not stop it ( which is garbage especially since I saw this the same day they did this ). CIT goes on to say that I can't do anything ( recoup ) with the XXXX $ XXXX until at least XX/XX/XXXX. I've called XXXX who has initiated a stop payment and while it's not guaranteed to be successful, at least, if they are successful in stopping that XXXX transfer, the funds will be back in my WF account where they belong. 

This is a cautionary story to all to be careful of being lured in by a high interest rate. I'm in the XXXX XXXX and not stupid when it comes to tech and finance. CIT Bank 's website/app and practices are questionable in this regard and I ask the CFPB to further investigate. Thank you
Consumer complaint received 2023-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

On XXXX XXXX I filed disputes using a third party system to dispute inaccurate information on my credit report. I FILED THE DISPUTE MYSELF. experien emailed me back and said that they received information regarding my credit report that does not seem to be sent directly by me. Upon sending my disputed items i uploaded my drivers license and my address verification and experien is refusing to delete inaccurate information on my credit report.
Consumer complaint received 2019-10-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NY)

In accordance with State of Florida Department of Financial Services, it is not mandatory for homeowners to carry homeowners insurance. Two of my previous lenders did not require this insurance. Since the acquisition of my loan by Mr. Cooper, they as a new lender had to notify me about their requirements in a timely manner. This has not been done. 

Due to Mr. Cooper 's negligence, I ended up with so-called shortage of the escrow account. I have repeatedly called this company regarding the escrow account that had been created but never received detailed explanation what is it for and how it works in my case. 

It looks like this account is just a trick to extort money from me. I strongly oppose paying any fines and maintaining {$1200.00} balance in my escrow account because Mr. Cooper artificially created this situation by not notifying me prior to mortgage loan acquisition.
Consumer complaint received 2019-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

Victim of identity theft U.S. Bankruptcy Court XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

I demand that the following items be deleted immediately from my credit report :
Consumer complaint received 2019-10-03
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. (CA)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act. I've been fighting with the bureaus for several months and they keep reporting this errorous information on my credit report.
Consumer complaint received 2024-10-18
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. (CA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2019-10-03
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: KEYCORP (NY)

On Friday XX/XX/2019 I submitted to Key Bank a certified original copy of an order that was approved by a judge in the Supreme Court to have funds released from a guardianship account in the amount of {$10000.00} for the maintenance and educational support of my daughter. 

The representatives at Key Bank including the branch manager told me it should be a few days because the legal dept needs to review the letter, however after 1 week went by I called the bank to check on the status of the withdrawal and their words to me were that " they need to make sure the language of the approval is correct. 

The following week, I was told by a representative over the phone that they had to make sure that I did not falsify the documentation.

In addition, the keybank representatives have not been forthcoming about what else would be needed, and when the funds could be accessed. 

To this day I have yet to hear from any of the representatives even after calling them several times and when I do call I just get shuffled around.
Consumer complaint received 2023-06-30
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. (GA)

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 Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-06-30
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. (GA)

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 Account Number : XXXX has violated my rights. Or list of inquiries 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.