davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

I would like to dispute these inaccurate accounts on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX
Consumer complaint received 2021-01-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (NC)

Please see below documents to show when Cashapp aka Square took my money and evidence it was supposed to be refunded but was never refunded. I have contact support several times and even put a complaint in with the XXXX but was told by XXXX that I need to file a complaint with your company for enforcement of my refund. I have attached images of when the transaction occurred and the message stating when it will be refunded but was not. I also have a quarter bank statement that shows the funds not being credit but debited from my bank account. The debit used to make the transaction has been closed but my Cashapp account is very active the funds should be been returned to my Cashapp account or bank account and there have received the funds. 2 different transactions done in the same day but cant seem to get the issue resolved.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

I request that XXXX, XXXX, and Equifax provide the following information to validate this debt : 1. Verification of the Debt : Proof that the debt is valid and that you have a right to report this debt under the FCRA.

2. Original Documentation : Documentation showing that the debt is mine, including the original signed contract or agreement that created the debt.

3. Complete Payment History : A detailed payment history, including all charges, credits, and payments made on the account.

4. Evidence of Reporting Accuracy : Documentation that shows the accurate reporting of the debt, including any communications from the original creditor or collection agency that support the debt being reported as accurate.
Consumer complaint received 2021-01-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc. (ME)

On XX/XX/XXXX2020 a payment of XXXX was charged to my cash app for a puppy and shipping of which i never received. I immediately contacted the seller to request my money back and received no response. I contacted cash app support via email and explained the situation that same night cash app support remotely set up a false XXXX XXXX bank account and retrieved another XXXX from my legit bank account. I contacted my bank and canceled my debit card and stopped all payments from cash app moving forward. For the past two months Ive been trying to get my month back from them Ive even filed a dispute with my bank and cash app has refused to respond. However Ive been in constant contact via cash app support which is a complete joke of customer service because all they do is send generic emails saying theyll open a claim i respond with the necessary information then i get an email from a totally different member of cashapp support. Every email comes from a different member and their end verdict is always they understand that its fraud however theyre not gon na give me my money back they told me to contact the seller which I have multiple times and have received no response they can see that at their end but they dont want to give me my money back theyve also told me that the seller didnt complete the necessary steps to except my money yet its proven by my bank to have been taken out of my account the false XXXX XXXX bank account that they set up and again fraudulently stole another {$120.00} from me they tell me theyll open a case I provide the information then another person from cash app support emails me and asked me to provide the information yet again when I tell them that I already provided it and they need to look back in their records then they close the case on me Ive gotten nothing but the runaround from cash app theyve stolen {$1000.00} for me acknowledge it to be fraudulent and yet tell me that theres nothing that they can do about it essentially because theyre the ones who stole my money. This is completely unethical and far customer service its fraud and i want my money back. I have every email thread since XX/XX/XXXX20 cash app has done nothing but dig themselves a hole. Ive already filed a claim with XXXX  who told me to escalate it to the federal trade Commissioner and you guys. I honestly just want my money back
Consumer complaint received 2016-03-07
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: LTD Financial Services, L.P. (NY)

The following collections agencies are listed on my credit report with no permissible purpose as per 15 U.S. Code 1681b - Permissible purposes of consumer reports. LTD FINANCIAL SERVICES XXXX, TX XXXX ( XXXX ) XXXX
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (IL)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2017-02-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A. (CA)

My mortgage servicer, PNC Mortgage, has been, and continues, to charge me a 6 % interest rate. I have made numerous attempts for over one ( 1 ) year by contacting them both on the telephone and by submitting requests for mortgage modification. They refuse to address my requests. They refuse to provide reasons why my mortgage modifications requests are being denied. They also refuse to offer any assistance in resolving the HIGH interest rate. They do provide non-specific, vague answers. They do NOT have the correct information about my income and debts. They will be forcing me into possible bankruptcy, possible foreclosure and possible loss of my home.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

My account with Experian was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. 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 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. 


Experian 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 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Account is reporting as revolving account is closed, Report is also reporting a balance but it was reported as a loss by the grantor the last active dates are inaccurate and the bureaus are not reporting the same
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

The credit reporting company is in direct violation of U.s. code 1681 EB This law states ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Attached below is where XXXX is reporting this as being ok and paid as agreed.
Consumer complaint received 2023-10-20
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (PA)

On XXXX I purchased an American Express Pre-Paid Gift Card at a XXXX XXXX XXXX in the amount of {$150.00}. I attempted to make an online purchase with XXXX, and the purchase was declined. I then attempted to make another online purchase for the same Item with XXXX XXXX, and that purchase was decline. I then again attempted to use the American Express Pre-Paid Gift Card at XXXX again, and again that purchase was declined. 
I checked my balance online with American Express ( amexgiftcard.com/balance ) and it shows the card is active for {$150.00}, and with 3 pending purchases, but the card was declined. American Express is not releasing the money, but charged me {$.00} per each pending purchase. 
I have made purchases with One XXXX XXXX XXXX XXXX ( visa ) with no problem. 
I called American Express customer service support ( XXXX ), after going through a barrage of automated puzzle, I was able to talk with a real person. I was told I had to use the card in person or try another merchant. I dont want to use the card in person, I purchased the card for online use. I did try another merchant with the same, negative results. They told me to wait 24 hr before using the card again, I did that with the same negative results. I called customer service again and got the same response. Customer service was no help. 
So now, I am stuck with a {$150.00} American Express Gift Card that I can not use. This is either a scam or false advertisement. Its frustrating and stressful. 
I JUST WANT MY {$150.00} REFUNDED TO ME, SO I CAN PURCHASE A GIFT CARD I CAN USE!!!!!!!!
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

1 a charge off that is being reported should not have a past due balance there was never a 1099 sent for the debt being considered a loss as the debt collector has reported which means the company got paid for this loss, The dates across the credit system are not accurate and they should all be reporting the exact same information across the board. 
XXXX is re [ porting as paid as agreed but has it listed as a charge off Experian is reporting this debt continously for each month and is against the law
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Experian is reporting this information as a charge off Every month. 
A balance is being reported and a charge off can not have a balance reporting. 
The amount has been reported as a loss for each breauru. 
XXXX is reporting this as being payed as agreed this information is indeed incorrect
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

This account is in violation of ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. This account is reporting as charged off but is reporting as opened the account is also showing a balance but a balance is not owed because it was charged off this account is reporting and violating the accuracy rule
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MI)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-09-19
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. (CA)

This is the several times I've complained about being a victim of identity theft. You must remove any accounts that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX Balance : {$7100.00}
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

I am writing to inform you that I have been a victim of identity theft, which has resulted in multiple fraudulent entries on my credit report. These unauthorized accounts and inquiries were added without my knowledge or consent, and I request immediate action to address them. 

ACCOUNTS - XXXX XXXX - XXXX XXXX XXXXXXXX INQUIRIES- XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX I have already filed an identity theft report with the Federal Trade Commission ( FTC ) and am demanding the prompt removal of these fraudulent items to restore the accuracy of my credit report XXXX
Consumer complaint received 2020-08-24
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Problem with customer service — 
Company: Block, Inc. (AL)

It has been a month now and cash app had yet to give me access to my funds in my closed account with cash app. The funds are stemming from a disputed transaction for {$500.00} that was not made due to an atm error. Along with disputed transactions from unauthorized transactions with the total of those transactions totalling over + $ 1k.
Consumer complaint received 2024-09-19
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. (AZ)

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

Here is the list of items which do not belong to me or were opened without my permission.
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receiptXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-24
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (NY)

Hello : I opened an account with CashApp mid XX/XX/XXXX as I do not have a bank account. Most of the time everything processes as expected however on XX/XX/XXXX Department of Labor released 20 payments to me in the amounts of 10 payments of {$600.00} and 10 payments of XXXX totaling {$7800.00} all by ACH transfers via direct deposit. I have not received these funds to date. I confirmed my account number on DOL website and have since received future deposits from DOL to my CashApp card. When confirming on the DOL website it does not show you the previous account number so what I did was enter my correct account number. 
I have emailed CashApp as they do not offer any other kind of customer service. Without a response I filed a complaint with the XXXX, then CashApp replied to my email on XX/XX/XXXX requesting I request an ACH trace from DOL and they provide the details on their letterhead. One XX/XX/XXXX I received the letter from DOL showing the money was transferred to CashApp but under a different account number. I do not recognize the account number that the money was sent to it is very different from my account number so I have no idea how this account number was attached to my DOL direct deposits. 
I emailed CashApp the same day XX/XX/XXXX attaching the letter from DOL with all the details CashApp requested and here we are on XX/XX/XXXX and they have not responded, I've sent multiple emails everyday since XX/XX/XXXX and still nothing has been sent back to me, not even a confirmation that they received my letter. 
I have the proof that CashApp requested and I'm in desperate need of my unemployment payments to pay my bills. 

I also sent the DOL letter and a letter I created to CashApp in XXXX XXXX CA via the post office on XX/XX/XXXX.