davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION (CA)

" 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 XXXXXXXX. 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 2024-09-01
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY (NY)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 

XXXX XXXX XXXX
Consumer complaint received 2023-08-14
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (TX)

Merchant name : XXXX XX/XX/XXXX, XXXX XXXX, XXXX 46 COMPLETE TRANSACTIONS {$3600.00} TOTAL COLLECTED I have an upcoming transfer of {$2300.00} that has not been paid for over a year. 

The account is under XXXX, XXXX They will not respond to customer support inquiries, emails, or calls to help me.
Consumer complaint received 2021-06-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (IL)

XX/XX/2021 at XXXX i order shoes ( XXXX ) from XXXX  XXXX cash app send an notice saying it were aprove then on XX/XX/2021 XXXX 3 days later XXXX at XXXX XXXX  cash app sent another notice saying it was declined. i call and ask as to where my money were cause i knew i had enough to pay for the shoes. cash appp first, denised it, but another cash app say they return the money which i did see, but i look again later on, they had on their own decided to send the money to XXXX i call again and they say nothing i did call XXXX to let them know that i did not ok what cash app did nor have i try to order anything for them today ( XX/XX/2021 XXXX if i call twice coplaint about my money, why would you return it but then you send the money back to XXXX without letter me know
Consumer complaint received 2024-09-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I was sent a mailing that promised me {$1000.00} for opening a hacking account and depositing {$10000.00}. 

I went to the branch with the flyer and asked the banker to please open me this account so that I would get the {$1000.00} bonus. 

The banker opened an account, and I completed the {$10000.00} direct deposit requirement. 

In the end, I only received {$300.00}. 

When I contacted Citizins I was told that I only got the {$350.00} as the wrong account type was opened. 

The {$1000.00} was only on the XXXX XXXX  and the banker opened the regular checking. I believe this mistake is something Citizens should take responsibility for as its is their banker who made the mistake. When I was in the back with the flyer I clearly asked the banker to open me this account on the flyer ( that had a {$1000.00} bonus ).
Consumer complaint received 2024-09-02
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (FL)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. BESTBUY/CBNA XXXX
Consumer complaint received 2024-10-31
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. (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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1681 C ( 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 XXXX years. 

15 U.S.C 1681 S-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 in accurate.
Consumer complaint received 2024-09-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (PA)

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 2024-09-19
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. (TX)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2024-10-25
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. (NV)

On XXXX I received approval for a personal loan of {$20000.00} and they would take monthly payment from my checking account, but they did not do, for XXXX months and my credit dropped more than XXXX points, thus harming me I request that they should solve that problem
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

I had 8 inquiries supposed to drop off from XX/XX/XXXX to XX/XX/XXXX and I paid the only other credit card off with a {$1700.00} balance. The other bureaus, XXXX and XXXX increased my score within a day or 2 but Experian still hasn't. Why are they still a reporting bureau when they don't. Shouldn't their license be pulled for bad business practice? I wouldn't buy their product and this is how they do
Consumer complaint received 2021-05-04
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Block, Inc. (NY)

While doing my taxes for XXXX I realized that I received a 1099 form from Square for {$790.00}. Attached is a picture of the form. I believe this is related to an incident in 2020 when I was getting spammed non-stop with referral bonuses on Cash App within a day or two. I didn't even withdraw a cent, and my account was shut down for fraud or whatever. I'm not sure how the referral bonuses were coming in, so that's why I didn't withdraw any of the funds. Now that I have this 1099 issued, I would have to pay taxes on that {$790.00} of reported income. I contacted Cash App support via XXXX, phone, and e-mail in the past few days. Both support on XXXX and phone said that it could only be handled through e-mail. The e-mail support was initially very responsive, but I wasn't getting any resolution. A different support agent was responding to the e-mail chain each time. The responses are very similar and clearly generated somehow. Nobody seems to grasp my issue. According to support, my account was closed on XX/XX/2020. That's about all the info I could get. They said once the account is disabled, it can't be accessed again.
Consumer complaint received 2021-05-03
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 can not login to my Cash App account to withdraw funds or access any documents. There is approximately {$700.00} in the account, and I was also informed that I have a Tax Document waiting for me ( " paperless delivery '' ). 

When I try to login, I get an error that I've " changed my $ Cashtag too many times '' and am told to " Contact Support ''. I first contacted support at least two months ago to try to resolve this issue XXXX received first response XX/XX/XXXX ). I keep getting generic, canned responses which do not resolve the issue. I have been contacted by at least six ( 6 ) different support representatives. One will contact me requesting information, I will provide that information, then wait a day or two, and a new representative will reach out and ask for the same information. Repeat. I've also tried telephone support, but they were unable to provide any help. 
They are holding my funds without reasonable access, and, more urgently, I am in need of my tax document so I can prepare my XXXX Tax Returns.
Consumer complaint received 2021-05-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Block, Inc. (NJ)

On XX/XX/2021 I filed a complaint against XXXX XXXX who is trying to collect a debt he claims my sister owes him. The complaint number is XXXX. On XX/XX/2021 I received the resolution from Square who says it appears to be a phishing scam and Square would never ask for money. I responded that I did not think this fixed the issue. I have just now again received a demand for payment, from the same person, XXXX XXXX, this time through XXXXc, and again another one from the same company as before, XXXX at https : XXXX } XXXX. ( the symbol before the numbers " 101 '' after " XXXX  '' is strange one, a vertical squigly that my computer keyboard does not provide I don't believe the CFPB investigated the correct entity..it may not be the companies that are wrong, unless they accept any claim for payment coming through their site, it appears to be the man, XXXX XXXX, who is initiating the fraudulent claim. I previously provided his telephone number, XXXX area code. Can you please look at the original claim again, nothing has been fixed. I received the same message only 2 days after you believed it to be fixed.
Consumer complaint received 2020-10-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc. (CA)

The first collection requst was from XXXX XXXX for TV service in XXXX XXXX about a year ago. 
I disputed it and explained them that I never lived in Nevada and I did not receive any service from them. 
They removed it from the credit report. 
Now CREDIT MANAGEMENT LP revived it on behalf of XXXX.
Consumer complaint received 2021-04-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Block, Inc. (FL)

on XX/XX/2021 my card was charged {$33.00} from XXXX in XXXX NY. This represented my entire balance on the card. 

2 other charges were rejected due to lack of funds. {$.00} for a store in XXXX Colorado and XXXX for XXXX in XXXX AZ on the same day. 

Obviously my credit card number got compromised. 

Cash App compnay will not issue provisional credit as provided for in the terms of service for using the VISA card service.

They say it could take up to 55 days or resolution and it may not end favorably for me. Again, VISA protections indicate we as consumers are safe from fraudulent charges.
Consumer complaint received 2024-09-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

To Whom this may concern : As I have not heard back from you in over 30 days since my last formal written notice of dispute, and since you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 

In a good faith effort to resolve the matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action, and correct any erroneous reports of this debt as mine. 

For the record, I state again : As I have no account with you, nor am I your customer, nor have I ever entered a contract with you, I must ask you to provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.

You have fifteen ( 15 ) days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you placed this on my credit report ( s ) in error and that this matter is permanently closed. Your continued silence in this matter is unacceptable. Either provide the proof, or correct the record and remove this invalid debt from all sources to which you have reported it to.

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

I affirm, under penalty of perjury under the Laws of the Land for these United States of America, that the foregoing is true and correct, to the best of my knowledge and belief, so help me God, pursuant to 28 U.S.C. 1746 ( 1 ). Witness My Hand this XXXX day of XXXX of 2024. 


CC : Better Business Bureau, FTC, Attorney General of Washington
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. (NY)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need these account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 
XXXX XXXX XXXX
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

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 2021-04-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (NY)

On XX/XX/2020 I initiated a transfer of {$9000.00} from my Cash App balance to my linked external bank account. The funds were never transferred and I was subsequently unable to access my Cash App account, having received notifications that my mobile number and email address had been unlinked. Upon contacting their support, I was only informed that my account had been closed. As per terms and conditions set forth by Cash App, the money transfer must be made. I have incurred substantial expenses as a result of their failure to complete the transfer in the timeframe specified. Screenshots showing my balance and transfer to my external account are attached.
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. (IL)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"
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 — Investigation took more than 30 days
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. 

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 2024-09-19
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. (CA)

( Demand for Financial Compensation ) This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a total 2 accounts. 

( 2 ) medical accounts opened on XX/XX/XXXX under the account number ( private ), and an account opened on XX/XX/XXXX under the account number ( private ) These accounts have resulted in fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the accounts in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.