davidheineman/consumer-finance-complaints-large huggingface dataset:
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)

I am writing to formally follow up on a dispute I filed regarding the accuracy of information on my credit report. The dispute investigation was completed on XX/XX/2024, yet to date, I have not received a description of how the investigation was conducted, including the procedures used to verify the accuracy of the information in question. 

This is my second attempt to obtain this crucial information. According to the Fair Credit Reporting Act, specifically 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ), I am entitled to a description of the procedure used during the investigation, including how and from whom the information was obtained. Failure to provide this information within the legally mandated time frame violates my rights under the law. 

I kindly request that you provide a detailed description of the investigation as required, including how the information was verified. Please consider this a formal demand to comply with your obligations under the Fair Credit Reporting Act. If you fail to respond adequately, I will be forced to escalate this matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and/or pursue legal action. 

As this is my second attempt to obtain this information, I kindly ask for an immediate response that complies with the FCRAs requirements. If Experian is unable to provide a complete description of the investigation process, I demand that this disputed account be permanently deleted immediately from my credit report in accordance with my rights under the FCRA. This is a violation of consumer law.
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. (AL)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. 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. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2024-09-19
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. (IA)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2023-08-22
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)

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding these accounts. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX
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. (TX)

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX  XXXX Account Number : XXXX Dates of Late Payments : XX/XX/year>. 

Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Reason for Dispute : The payment for XX/XX/year> was made on time. However, due to a clerical error by the bank, the payment was incorrectly processed, leading to a wrongful late payment mark on my account. I have attached the bank statement and payment confirmation as evidence to support my claim. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-09-20
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: PNC Bank N.A. (CA)

The company is engaged in harmful and exploitive billing practices. 

Their behavior is already caused me problems on two different occasions. I have been carrying a balance, but I pay the minimum amount due every month via auto pay.

Ona preious and recent occation and made a big manual payment to ay down my account but the bank still charged me for the minimum payment. on a recent occasion i checked the banks app and was shown that payment due was zero, but the bank still took out a payment from my account for the amount of {$160.00}. The unexpected charge reeked havoc on my bank account. 

double dipping happened to me with any other bank. This is quite predatory. I am requesting that the practice be stopped. 

Thanks XXXX XXXX XXXX XXXX XXXX
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. (TX)

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX  XXXX Account Number : XXXX Dates of Late Payments : XX/XX/year>. 

Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX  XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Reason for Dispute : The payment for XX/XX/year> was made on time. However, due to a clerical error by the bank, the payment was incorrectly processed, leading to a wrongful late payment mark on my account. I have attached the bank statement and payment confirmation as evidence to support my claim. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2020-06-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: VW Credit, Inc (TX)

I've been receiving harassing calls every day for weeks from XXXX XXXX XXXX XXXX XXXX, despite blocking the number. They claim to be collecting a debt from Volkswagen Credit, though I've never had an account or any financial dealings with Volkswagen Credit. I called the company on XX/XX/XXXX to have my number removed since blocking it on my phone didn't work, but was required to verify name, address, date of birth, and last four of my social before they would tell me anything further about the claim. They also refused to remove my number unless I verified that information. I would and will not verify any of that private information, and they informed me I will continue to get calls but they will not give me any information regarding the claim or remove my number unless I verify the private information. I suspect this is an identity theft scam since the VW brands had a data breach in XXXX.
Consumer complaint received 2020-06-19
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: Experian Information Solutions Inc. (GA)

This is a direct confirmation that I have tried for a number of times to find a resolution with this company in regards to fraudulent accounts and Inquiries they are reporting but to my surprise, this company still insist on reporting these fraudulent accounts & Inquiries even after providing detailed proof that I am a VICTIM OF IDENTITY FRAUD and DID NOT BENEFIT with anything whatsoever from these accounts & Inquiries. Fraudulent Accounts? 1. 
XXXX, Account # XXXX 2. XXXX XXXX  XXXX, Account # XXXX 3. XXXX XXXX, Account # XXXXXXXX 4. XXXX XXXX, Account # XXXX Fraudulent Inquiries!? 1. 
XXXX XXXX  XXXX Date Filed XX/XX/XXXX 2. XXXX XXXX XXXX Date Filed XX/XX/XXXX 3. XXXX Date Filed XX/XX/XXXX XXXX. XXXX XXXX Date Filed XX/XX/XXXX 5. XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX. XXXX Date Filed XX/XX/XXXX XXXX. 
XXXX Date Filed XX/XX/XXXX XXXX. XXXX Date Filed XX/XX/XXXX I still wonder why are you reporting, contrary to that law that states : Fraudulent accounts to be removed within 4 days from receiving proof. PLEASE DELETE ASAP This is my final intent to resolve since I have all the documents ready to file a lawsuit against this company. I first disputed this fraudulent account with them on XXXX but to my surprise, they responded by even duplicating some of the accounts and Affecting my credit score even higher than before my dispute. Yet another final time before the court of law, The following accounts are Fraudulent and require removal from my report : I am attaching : 1. My earlier Dispute letter to them 2.My FTC report
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)

I submitted a credit repair request to a company, but they still failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-10-23
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

My mother has a revocable trust and the account is in the name of this family trust. The terms of the trust states that if the trustee ( my mother ) is financially incapacitated ( she is XXXX and has XXXX ) and XXXX doctors sign letters stating this, the trustee will change to the successor trustee ( me ). Capital One Bank refuses to make this change even though I provided a copy of the trust and the letters from the doctors.
Consumer complaint received 2020-12-28
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)

I been trying to access old cash app for my bit coins and stock I have. It's giving me a no option but this. Been over a month sending the same formation for nothing. 
Name XXXX XXXX Address XXXX XXXX XXXX XXXX ny Ss XXXX Cash app It's the only account who holds bit coin and stock. The oldest one.
Consumer complaint received 2020-12-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (WA)

I used Cash App to purchase a number of stocks. On XX/XX/XXXX a number of fraudulent transactions occurred in my account resulting in more than {$8000.00} being stolen. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-11
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)

I logged into my credit card app, which shows my XXXX XXXX  credit score, to discover that it had dropped XXXX points. It was XXXX, so it has effectively been ruined. Apparently XXXX reported to Experian that I had a derogatory account, with a balance of {$350.00} dollars. It states that the account with XXXX was opened in XXXX of 2024 and closed in XXXX of 2024. I have no account with XXXX at all. My father has XXXX, and I am on a family plan with him, but the account is on autopay and is linked to his credit card and SSN. This would in no way impact my score ( plus the payments are up to date ). I called XXXX just to confirm what I already knew, that I had no account with them. They found nothing in their systems under my name and SSN. I filed a dispute with Experian. It makes you create an account with them before you can file a dispute. I noticed after I put my name and social in that it auto-populated my address and asked if the information was accurate. It was not, it was some address in XXXX, VA that I have never lived at in my entire life. I corrected the information and proceeded to file my dispute. It should also be noted that if you look through all of my accounts, not XXXX has ever been late or derogatory, and all of a sudden this XXXX one just pops up. Clearly something is wrong, whether it be a typo or fraud. I just received the results, and they are continuing to say that their information is accurate. I am beyond frustrated as it has ruined my credit and is completely false. Both Experian and XXXX have done little to help, and it seems their is a breakdown somewhere. If I have no account with XXXX, then how could they report a derogatory account with my SSN? Experian clearly did nothing, as I filed the dispute on Friday and received results on a Sunday. I have tried multiple times to call Experian, and it is impossible to speak to a live human being. This is truly ridiculous, and my next best option was to file a complaint, so here I am.
Consumer complaint received 2020-12-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (CA)

On Thursday, XX/XX/XXXX, I purchased a laptop ( XXXX XXXX XXXX XXXX ) from XXXX XXXX ( merchant ). The purchase price was {$600.00}, and the overnight shipping was {$70.00} dollars, totaling {$670.00}. Upon receipt of the {$670.00}, XXXX stated that he would provide a tracking number for the laptop. I went ahead and completed the purchase of my laptop. After XXXX confirmed my purchase, he became unresponsive to my requests for a tracking number. 

On Friday, XX/XX/XXXX, I become concerned once I did not hear back from the merchant with my tracking number, fearing I lost {$670.00}. I reached out to the merchant with no response. Then I decided to reach out to the Cash App support team. The Cash APp support team recommended that I process a request for a refund from the merchant through their app. I proceeded to process the request for a refund from the merchant. In that, I continued to reach out to the vendor to no avail. 

I continued to tell the support team my concerns and asked what would happen if the merchant declines my request for a refund. None of the support agents could tell in detail what would happen in the request for refund process. They kept referring me to their terms and conditions. 

Getting more frustrated, I noticed the merchant placed the item for sale again. I reached back out asking about the laptop, and they send the same messaging, which then I learned that they are using Cash App to conduct fraud via their platform. 

After bringing this to their attention, Cash App continued to refer me to their terms of service, not acknowledging that a user is stealing from others using their platform. 

After many attempts to alert them and tell them about the fraud and that it is not fair, they keep my money and continue to fraud, other people. 

This complaint shows the unscrupulous policies that the Cash app has as it allows fraud to be committed and has no protection for its users.
Consumer complaint received 2020-12-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (NC)

Money was stolen out of my account on XX/XX/2020 in the amount of {$390.00}. I tried to cash out the funds to my Bank Account and Kept getting an error message that said Account Locked, we detected something unusual. To protect your funds, weve temporary locked your account. 

I log in my cash app and my money was still there, but I got an email that said your debit card and email was unlinked from your account, I logged back into my cash app and noticed that someone replaced my debit card it another card ending in XXXX ( see attachment ) I then tried to link my debit card back and it said card not supported. 

I received several emails ( see attachments ) where someone was trying to log into my account and cash app sent sign-in codes. I immediately changed my email password. I tried reaching out to cash app and kept getting an automated response. On XX/XX/2020 I tried to log into my cash app, and it would not let me, it was as though someone deactivated my whole account. My cash tag $ XXXX no longer existed with an account, I put my phone number in, and they wanted me to create a whole new account. So not only was my money {$390.00} stolen, but all my stock and Bitcoin are gone. 

Cash App deals with customers money, so they should always have an 800 number where customers can speak with a live agent/representative instead of having to email and wait for a response. I was contacted by XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX, all with the same none sense response ( see attachments ) XXXX even said that my issues were resolved!!!!!!! I have tried every day to get a call back because apparently your Support team clearly does not understand what is going on. They all gave me a case # XXXX. I even reach out to cash app support on XXXX and XXXX and continue to get the same XXXX responses. 

The most frustrating part about this situation was I was on the road heading from XXXX, NC to my hometown XXXX, MI for my aunts funeral. I was going to use this money, for gas, food and to send money for the flowers for the funeral. This messed up my whole trip. 

I filed a police report here in the city where I live XXXX, NC with the XXXX XXXX Police. I will be reaching out to an Attorney, XXXX XXXX Police Department, XXXX XXXX Local News, XXXX Local News, posting on every social medial platform, XXXX, XXXX, XXXX, XXXX  and every blog until my money, stock and bitcoin is returned. This is ridiculous and frustrating, cash app supposed to be so safe and secure but somehow let an unknow individual get into my account. Im starting to wonder if it was an inside job because I always had my phone with me, and I thought since it was a mobile app you would need your phone for verification.
Consumer complaint received 2020-12-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (GA)

On XX/XX/XXXX i had {$940.00} in my XXXX XXXX  ACCOUNT I received 2 deposits in my XXXX account from a unfamiliar company ( Provisonal Credit Dispute ) is what it shows on my bank statement for the Amount of {$120.00} & {$250.00} I didnt recognize or authorize I contact XXXX while on hold at XXXX the amount of {$1300.00} is shown being transferred from my XXXX XXXX  Account to MY CASH APP ACCOUNT which is linked with my XXXX account My cash app account had {$45.00} in the account at the time at XXXX the entire balance in my cash app {$1300.00} was cashed out to a MasterCard debit card ending in XXXX not my card or account I have no idea who card that is & I have tried to resolve this matter with both banks cash app & XXXX no one is helping me Ive been told 10 business days from XX/XX/XXXX an still no response I can provide any info needed to help me get my funds back neither bank is responding to me an now the XXXX account is in a negative - {$240.00} Ive asked XXXX to close the account an still no response