davidheineman/consumer-finance-complaints-large huggingface dataset:
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: Experian Information Solutions Inc. (SC)

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$5900.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$2200.00} CXXXX XXXX XXXXXXXX - XX/XX/XXXX - {$12000.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$11000.00} INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (GA)

PNC Bank has been illegally holding my money for 3 weeks. My Check Deposit Hold Was Lifted After 16 Days and then placed back on hold when I stepped in the branch and tried to withdraw my money after PNC fraud department have confirmed that the check is legitimate. I spoke with someone named XXXX at the Pnc branch located XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX was very rude, she also lied to me saying XXXX XXXX XXXX informed her that my check was fake. I instantly called XXXX XXXX XXXX  to ask about this nonsense and they told me they never gave anyone this false info & that they are not allowed to verify checks over the phone unless its through the automated system!! This bank has been illegally holding my money and suspecting me of doing fraud because I am a young XXXX man with long hair. I will take legal action if my money is not released within a timely manner.
Consumer complaint received 2024-10-19
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. (LA)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NJ)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"
Consumer complaint received 2024-08-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, 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 2021-02-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (MI)

Good afternoon, I am writing in regards to a XXXXIC Systems Collection that has been filed on my credit report. I was un aware there was any outstanding balance to XXXX whatsoever. If you review my history with XXXX I have always paid my balances in FULL. In XXXX of 2020  I moved over to XXXX due to carrier and signal issues I incurred when the merged with XXXX. 
XX/XX/2020 I cancelled one line, XX/XX/XXXX I cancelled the second, XX/XX/XXXX I cancelled the third, then on XX/XX/XXXX I cancelled the 4th line. Since then I continued to receive bills in the mail and they never did cancel the service. I called and spoke to a XXXX rep on XX/XX/2020 to discuss and figure out what happened and why they didn't cancel the account and why i was still being billed. XXXX could not give me an answer and couldn't figure it out. They stated I had a device to turn in so they sent me a box to return the device on XXXX/XXXX/2020. Since then I never heard anything from them until I was notified via XXXX  they sent my account to collections. 
I called IC Systems the day I received notification from XXXX  and they had no clue as to where the total came from and said I had to call XXXX, I called XXXX and they also could not explain why they didn't cancel the service back in XXXX, nor could they explain the charges. They informed me the charged me for the device i sent back because it was damaged and that makes no sense what so ever. The phone was in perfect working condition when I sent it in, if it was damaged I wouldn't have sent it back to them, It would have been cheaper for me to buy the device from them vs sending it back. 
I have disputed this with XXXX and also IC Systems twice and I get nothing from them other than a note on XXXX  that says ( Meets requirement of the Fair Credit Reporting Act ). 
This is not am acceptable explanation. 
I offered to pay them XXXX $ but neither IC Systems or XXXX said they had the authority to accept an offer, so who do i need to speak with? They are both trying to collect money from me that is in accurate but neither of them know nor can explain the charges listed on my report. 
In closing I want this removed from my reports, this account should have been closed via XXXX back in XXXX of 2020, they did not .... 

Thank you for your time,
Consumer complaint received 2024-10-19
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: Experian Information Solutions Inc. (TX)

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.

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 2019-06-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc. (GA)

what ever company cash app is they stated my acct to be closed but when i look in section 4 and 5 it doesnt say how and why? 
RE : Your Account is Closed Inbox x Cash Support XX/XX/2019, XXXX XXXX  to me Hi XXXX, After a recent review of your transfer of funds, we detected the use of Cash App for activity in violation of Cash App 's Terms of Service. As a result, you will no longer be able to use Cash App to send or receive payments. 

We are also exercising our discretion under Sections 4 and 5 of the Cash App Terms of Service in the decision to block or reverse your transfer of funds. For security reasons, unfortunately we can not provide more details regarding our decision. 

Visit the Cash App Terms of Service for more information. 

Thank you, Cash Support In order to receive a response, please do not delete the following line :
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2024-09-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2021-02-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Consumer complaint received 2021-07-06
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: N.A.R., Inc. (GA)

This account was opened fraudulent to XXXX. I advised XXXX  also sent police report and FTC report and the account was not removed. 

NORTH AMERICAN RECOVERY Original creditor : XXXX XXXX {$2300.00}
Consumer complaint received 2024-09-04
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. (TX)

Urgent Alert : Immediate Action Required! Under the Fair Credit Reporting Act ( 15 USC 1681, Section 602 ), it is explicitly stated that " There is a need to ensure that consumer reporting agencies uphold their profound responsibilities with fairness, impartiality, and respect for the consumers right to privacy. '' Transunion and XXXX, as consumer reporting agencies, are bound by this mandate, and as a consumer, I am entitled to enforce my right to protect my private information. Moreover, 15 USC 6801 underscores that XXXX has established a policy where each financial institution must uphold a continuous and affirmative obligation to safeguard the privacy and confidentiality of customers nonpublic personal information. This obligation extends to any entity providing information to credit agencies, which are classified as financial institutions under this regulation. 15 USC 1681, Section 604 ( a ) ( 2 ) stipulates that consumer reporting agencies are only permitted to furnish consumer reports under specific conditions, primarily adhering to the written instructions of the consumer. Neither Transunion nor XXXX has my consentneither verbal, written, nor impliedto disclose my information. All forms of consent to these agencies are hereby revoked. Furthermore, 15 USC 6802 ( b ) ( c ) requires that financial institutions disclose nonpublic personal information to nonaffiliated third parties only after providing the consumer with a clear explanation of how to exercise their nondisclosure option. Neither Transunion nor XXXX has provided such information, thereby failing to comply with this regulation. Additionally, 15 USC 1681c ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse information that predates the report by more than seven years. The continued reporting of this outdated information without my authorization constitutes a direct violation of this law. 15 U.S. Code 1681s2 ( A ) ( 1 ) mandates that no person should furnish inaccurate information to any consumer reporting agency if they are aware or reasonably should know of its inaccuracy. Transunion and XXXX are in clear violation of this requirement. 15 U.S. Code 1681e demands that consumer reporting agencies implement reasonable procedures to prevent violations of Section 1681c and limit the furnishing of reports to legitimate purposes. It is evident that Transunion and XXXX are failing to uphold these standards. Finally, 12 CFR 1016.7 grants consumers the right to opt out of reporting services at any time. I am exercising this right immediately. This is a serious breach of legal obligations and my personal privacy. Immediate rectification and cessation of these practices are required.
Consumer complaint received 2021-02-22
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. (NY)

I have mailed certified mail letters to Trans Union on six ( 6 ) occasions, however, they continue reporting an address which does not belong to me. I am very concerned that my identity has been stolen and the thief placed an address that does not belong to me. The address being reported is " XXXX XXXX XXXX # XXXX, XXXX, NY XXXX ''. I do not and have not ever resided at this address.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I have attached an FTC report for you to finally give attention to my case. I am in distraught that none of my requests are being given attention to, and none has been taken into consideration. My credit scores have negatively affected me and I could make use of therapy but even that I can no longer afford because of how badly my financial report has become.
Consumer complaint received 2019-06-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (GA)

On XX/XX/XXXX I logged into my CashApp I started looking through the transactions bc I noticed balance was not correct. I discovered that I had been charged several times for a service from a telecommunications company. I called them to try and get resolved. After an extended time waiting they acknowledged that the funds from my account went to pay someone elses service, however since I was not on that account I could not request it be backed out or refunded to me. They asked I contact my card issuer which I did immediately. The amounts are as follows {$130.00} on XX/XX/XXXX / {$8.00} on XX/XX/XXXX / {$42.00} on XX/XX/XXXX / {$460.00} on XX/XX/XXXX After several days and emails asking me to contact the merchant even though I has already expressed that I had and they referred me to them. And having to send ALL info 2 additional times as well as canceling my card even though I had notified them 2 times before that the charges were made on a previous card I had. So that they wouldnt cancel the one I had just gotten and gave to wait for another one ... they still cancelled my current card. A week later I was contacted by a rep named XXXX who said all my transactions were past the 60 day notice as required by the Terms of Service. However what he was referencing didnt apply to unauthorized transactions. Section 39 Your Liability for Unauthorized Transactions states in part Tell us AT ONCE if you believe your Card or PIN has been lost or stolen or you believe a transaction has been made without your permission using information from your Card, your PIN, or Card Account, or you could lose all the money in your Card Account. no mention of 60 days. Even if 60 days whats the case we dont get a monthly statement or anything providing us our purchases or unauthorized transactions as we do for regular bank so if I dont go into the mobile app I dont know that the transactions happened so I think its a little unfair that they bring that up as a excuse to allow me to lose my money.
Consumer complaint received 2019-07-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (CA)

I tried to switch back to my original debit card through the Square Cash app multiple times ( I would get an error message that I was only allowed to fund from one particular debit card ). My account was then frozen because of an issue with their platform and no fault of my own. I ended up having to verify my identity, which I did. I was told to wait 24 hours, but ended up having to wait a full 2 weeks since my account was frozen after following up on XXXX and XXXX as they were ignoring my emails. 

When they did reply with an email, it was a generic response that had nothing to do with the issue at hand ( about adding funds to the account, which was not the issue ) They replied with the following email : " Hello, Thank you for reaching out. We are writing to inform you that your Cash account has been closed and is no longer able to send or receive payments. 

Reasons for this decision may include your account history, transaction disputes, or other possible violations of the Cash Terms of Service. 

If you need to Cash Out your stored balance, you may link a new card or bank account. Additionally, you may re-link a card or bank account previously used with your Cash account. 

Within the app : Open the Cash App and tap the dollar amount at the top of the screen. 
Tap Cash Out > Confirm Cash Out. 
Once you have cashed out the balance, it will deposit within 1-3 business days. 

Unfortunately, we can not provide further details regarding this decision, which is final. We appreciate your understanding. 


Best regards, XXXX | Cash Support '' I didn't violate any terms of service, nor did I dispute any transactions. The only thing I've done is try to switch my debit card back to my original bank. When attempting to withdraw funds as suggested in the previous email, an error messages shows up and says that the transaction can not be completed. Like all the other times that I've had to contact the Support team, I've been lied to and things occur on an entirely unreasonable timeline and the customer service was either poor or did not exist. Their own timelines were never met, and they never addressed the issues on their platform. 

They then closed my account with no explanation given with the most generic message available.
Consumer complaint received 2019-06-01
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Block, Inc. (PA)

On XX/XX/2019 at approximately XXXX XXXX  I received a direct deposit from ssi for the amount of {$770.00} and {$22.00} I then noticed that I couldnt take the money off my account because there were some issues with the card I then contacted XXXX XXXX XXXX customer service lady told me that my card was deactivated on my account I then asked her if she could activate the card so that I could withdraw my funds and she hung up on me I have bills to pay and children to feed I need help with this I then tried logging back into my account and it has locked me out of my account