davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-13
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. (IL)

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 Collection management acct # XXXX, XXXX XXXX XXXX acct # XXXXXXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX 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. 






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Consumer complaint received 2024-08-13
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. (GA)

This account was charged off on the XXXXSince then the date of last activity has been inconsistently updated on XXXX the date last active is XXXX it XX/XX/XXXX and on Experian its XX/XX/XXXX .If the information is coming from the original creditor the dates should be the same.We can't say these accounts are 100 % accurate so it is deemed INACCURATE Please delete this from my credit report. 
Account Name XXXX XXXX XXXX # XXXX
Consumer complaint received 2019-02-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Dynamic Recovery Solutions, LLC (IA)

In XX/XX/XXXX I pulled all 3 credit reports. I noticed Dynamic Recovery Solutions on my report as a collection account. I disputed with all 3 credit bureaus in XX/XX/XXXX. In XX/XX/XXXX it came back as verified. I sent a certified letter to Dynamic Recovery Solutions demanding validation on XX/XX/XXXX. No response. Prior to my letter, I did not receive a dunning notice. I was also not notified within 30 days of placing negative information into my credit file. Delete any and all claims.
Consumer complaint received 2024-08-13
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. (IL)

Ive been trying to correct this error since the beginning of XX/XX/2024 with an occurring late payment and inaccurate information on my credit report the said companies EXPERIAN And XXXX have been violating my rights under the FCRA ( 15 U.S. Code 1681i - Procedure in case of disputed accuracy 5 ) Treatment of inaccurate or unverifiable information ( A ) In general 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 ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I am personally submitting this complaint regarding late payment entries on my credit record. Upon examining my files, I discovered these late payment notations. I sent correspondence about this issue more than a month ago, but have received no reply, nor has adequate validation been provided. I am now seeking your help to address and resolve this situation swiftly and efficiently.
Consumer complaint received 2020-08-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (OH)

Hello : On Saturday, XX/XX/XXXX : My son, XXXX was trying to open an account with Cash App dba Square under his account name " XXXX XXXX XXXX '' & was told to test his Account by sending Money to someone which was me & for me to send the money right back to him. 

Instead of the Money coming " directly back to him off of " my own '' Cash App Debit Card, they withdrew the Money out of my Checking/Debit Card Account & the transactions failed several times which caused my Checking Account to be overdrawn. 

After further discussion & the Cash App Rep still trying to figure out the problem, I was told that they would go ahead & put the Money " right back '' in my account but they never did. Instead, they sent me a Text Message saying that my Money would be deposited back into my Checking/Debit Card Account by Wednesday, XX/XX/XXXX. They phoned me several times again & I told them I wanted my Money returned to me ASAP! 

On Thursday, XX/XX/XXXX, Cash App dba Square, tried to withdrawl the {$340.00} again. I then contacted my Bank & they said they would file a Fraud Claim & do an Investigation. 

As of today, Friday, XX/XX/XXXX, I still have not received my {$340.00} back. I reached back out to Cash App dba Square the same day asking them why I still have not received my Money as they originally promised on Saturday, XX/XX/XXXX. They responded back to me via e-mail saying that it takes several days for them to review the situation & in some cases they may not Refund the Money.

I did not authorize them to take any Money out of my Checking/Debit Card Account. 

Within a few days, my son did receive his Money back while I am still waiting. 

I have already filed a Complaint with my Bank & the XXXX
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (VA)

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 4 business days after the date of receipt. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (VA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-13
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. (ID)

I am sure you are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions. As I stated before, this is my final request for you to do as you are governed by the FCRA. If this final request does not prompt you to conduct a proper investigation of the accounts in question, I will be forced to file suit against your company in the county in which I live. That way, you can travel here in order to defend yourselves. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TN)

This is an investigation that includes additional supporting documentation. I also have an attorney looking into this matter, and will be providing additional supporting documentation requesting that these items be removed from my credit reports in XXXX business days. I have had a data breach issue and trafficking, all legal documents and proof of sworn affidavits have been given to Experian and they have failed to comply with removal of all items within the XXXX business days.
Consumer complaint received 2019-01-18
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

Good Morning, I have a complaint about my former second mortgage bank, Charter One, NA : Act. XXXX was discharged by Chapter XXXX bankruptcy proceedings in the XXXX  district of Michigan Bankruptcy Court, Petition No. XXXX, listed in Schedule D for secured loans. The house was appraised and found to be under water at that time. Court Register of actions shows that no other order was entered that addressed charter One 's mortgage. The debt was discharged. Upon attempt in to refinance my home, per divorce order to remove my ex-husband 's name, Charter One, bankruptcy department refused to strip lien, subordinate loan, and asked for payments. Manager, 'XXXX  , ' is now claiming XXXX is due the original amount was XXXX. She refused to put any request in writing. Myself, my mortgage broker from XXXX  XXXX XXXX XXXX, and a lawyer who no longer represents me contacted her via phone, mail, and email during XX/XX/2018 to present. She confirmed the loan was charged off. I demand Charter One strip the lien from my title, with no money owed as it is a charge off, as soon as possible. I would like them to email or send me supporting documents that this was done. XXXX XXXX XXXX XXXX, XXXX XXXX, mi XXXX thank you, XXXX XXXX XXXX XXXX
Consumer complaint received 2019-01-18
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Account information incorrect
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

Ok so I've been having lots of issues with citizens bank, I switched from one bank to them, since then I had to have new debit card after card issued because of fraud charges on my account, after a bunch of this happening I called them yet again 3 separate times on this one occasion in which I told them to block all purchases on my account and lock the account so nothing more could be done on my account, and was told they would investigate it all, in return no investigation was ever done by them, and they left the account actively going, they allowed charges after charges to try to be made on the account so they could rack up over draft fees and returned payment fees late fees and monthly service fees on my account, they kept sending me and still do send me threatening letters in the mail that I have to pay for it, I sent in a complaint to the credit bureau and it was investigated and the credit bureau agreed it was fraudulent charges on my account, they removed that account off of my credit report, yet citizens bank is still sending me threatening letters and have reported me to the XXXX and are now blocking me from opening an account with someone else, yet I tested to see if I could open a new account with citizens bank and yet I can, just they are blocking me from banking with someone else.
Consumer complaint received 2019-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (VA)

XXXX- XXXX  XXXX XXXX XXXX XXXX , XXXX XXXX, TX XXXX , ( XXXX ) XXXX. This company since XX/XX/XXXX, has reported on my personal credit report. Since XX/XX/XXXX has reported a negative account stating I personal owe them {$780.00}, which since has been placed as a collection account. I have submitted numerous disputes providing them with documentation that this is indeed an coporation account for XXXX XXXX XXXX XXXX and not my personal account. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Virginia XXXX, had two accounts XXXX and XXXX. They reported on my credit reports starting ( XXXX ) XX/XX/XXXX and ( XXXX ) XX/XX/XXXX. Since it also shows as a collections accounts for both on all 3 credit reports. I made an agreement with the collection agency XXXX XXXX to pay for deletion. I have both letters that I have submitted numerous times proving such agreement exists. I have since been denied over 5 times for such deletions. I still have the letters to prove this with and do not mind sharing to get this done as it should of been on XX/XX/XXXX as the letter states. 

I have since been denied a home loan due to the failure of these companies to submit accurate information and hold their promise on a contract we all agreed on. This is a direct violation of my rights under the fair credit reporting act.
Consumer complaint received 2020-09-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (GA)

I received a payment on my cash app last Monday in the amount of {$6700.00} so when I went to check to see if the amount of the money was available cuz I got email that amount was available but I wanted to check it to verify when I log into my cash app I was met with a message of me needing to verify my identity so I followed the choices and they gave me to verify my identity cash app has a huge problem with scanning the back of people 's state ID or driver 's license it does a great job scanning the front but nevertheless they gave me the choice to scan my driver 's license or scan the debit card that was linked to my account so I chose to verify with the debit card that was linked to my account once I did that I waited the very next day I got a notification saying that they were unable to verify my identification so I went on to the app she do it again but it did not give me that choice so I went to the settings to see what I could do so I verify my identity and I was met with a notification that my account has been closed with my money still in it so then I proceeded to see if I could use the cash card that came with the account to take my money out I was not able to use that because they deactivated the car so now I've been trying for almost two weeks now to figure out how to get the money out of the account I have sent them emails and all I get back is the same exact email response that they have been trying to contact me for a week which is not true so they decided to close the case so now my money is stuck inside of cash that they do not have a customer service number that you can call speak to a live person check that their customer service line is fully automated and it does not give you the options on how so it can help you get your money back refunded
Consumer complaint received 2020-08-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (NC)

Prior to the pandemic my family and I were scheduled to set sail XX/XX/XXXX with XXXX. I made payments to the agent Via XXXX on XX/XX/XXXX & XX/XX/XXXX totaling {$550.00}. We had been dealing with a travel agent through XXXX by the name of XXXX XXXX and afternoon the pandemic hit XXXX  canceled travel and issued refunds back to the paid parties. I have not received this service or my refund after months of communication with the agent ( which Im sure is fraud ) and communication with XXXX and my bank. XXXX has no way of contacting them regarding this situation and I have tried to work things out with the agent but she has lied tome after time. Due to the pandemic I have not received my services and she has blocked me and refused to refund my money. I have been blocked by her business on XXXX and Ive had family reach out in my behave and she has responded with insults and no resolution. I am now out of a trio for my family and the funds
Consumer complaint received 2020-09-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (PA)

My fiance sent me a cashapp of {$500.00} that got canceled later over an hour. I notify him of the problem. He decided to call the cashapp customer service number from the app.i received couple of calls later stating that my husband was on the cash app line and the needed to verify some information from me.i was asked to download some consumer support app on my phone where they can see all the transactions and also check my XXXX XXXX account to see if the money was in.i was spun around the bank app and was led to send out the XXXX .they give me their manager email XXXX on XXXX .they said they were trying to see why my account kept rejecting his payment. When I asked if the money was going to be refunded on his card that's where all the problems started. 
I was even told I should go to a XXXX and i asked to do what there? All the cash app customer service numbers we searched on XXXX is owned by XXXX scamers.ever person we spoke too was telling us the same thing to download the app on XXXX  or XXXX XXXX and later go to a store.
Consumer complaint received 2019-01-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Bank of America has taken on two occasions {$150.00} from my checking account ending in XXXX for Legal. The company does not disclose these fees and they have taken for the same transaction twice. I would like a full refund as they did not send me any information prior regarding legal order fees which amount to {$150.00} per transaction. This is unfair and deceptive and they violating my consumer protection rights. I WANT A FULL REFUND credited back to my account ending in XXXX. The legal order has been paid twice already and Bank of America failed to provide proper disclosures of these fees which violated my consumer protection rights and UDAAP.
Consumer complaint received 2019-01-21
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (TX)

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against CONVERGENT OUTSOURCING. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
Consumer complaint received 2019-01-18
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Newman, Hesse & Associates, P. A. (TX)

Sent me a letter threatening to garnish my wages without showing me any type of verification of a contract between me and them. And further more the supposed debt is 20 years old and the of limitations to collect in the state of Kansas is five years, furthermore I reside in the State of Texas, which means by law I fall under the state of Texas not Kansas. Which theirs is five years also which means the statue of limitations has expired and them trying to collect on such a debt is illegal.
Consumer complaint received 2020-09-03
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, someone committed fraud by finding a lost wallet, and using the contents of the wallet to deposit a US Treasury Check into a secondary account and immediately withdrawing monies by utilizing cashapp to transfer money. Cashapp was contacted immediately afterwards to file a claim against this unauthorized use as more than {$1000.00} was transferred from the account. They forwarded a notice on XX/XX/XXXX acknowledging that they needed to apologize due to their slow response on the the matter and that a representative would contact us immediately. That was back in XXXX. This matter still has not been finalized to this day. I am requesting that cashapp pay back all the money that was taken under this account immediately.