davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

I called your department after I purchased a credit report with XXXX XXXX on XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that this was CHARGE OFF accounts on my credit report. This is disappointing because I have been paying XXXX XXXX  to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I have a charge off that I have never seen before, as well as these incorrect information on my personal profile but still youre not taking any actions. I have never with these accounts listed below, so please help me remove these charge off, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and SSN  for my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 

PLEASE DELETE THE FOLLOWING FRAUDULENT ITEMS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Im requesting that you follow the law by removing these inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau XXXX and the XXXX XXXX XXXX XXXX Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my driver 's license, SSN, and current Utility Bill as verification of my ONLY address.
Consumer complaint received 2023-05-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (TN)

Approximately an hour ago I ordered a FREE TRIAL of XXXXXXXX XXXX XXXX and was charged {$24.00} for the free trial. I immediately requested a cancellation and refund of the order which XXXX did. Now Chime has every excuse under the sun for not giving me my money including the merchant never issued a refund which I have proof they did including case number, chat, and email which I have forwarded to them while also stating it was never taken out of my account which it has and is pending. I do not understand why Chime can not just stop transaction or " loan '' the money to me like every other bank in the world does. 

I have had it. First I have to fight for my direct deposits, then I have to wait days or even weeks for a refund, now I have to fight for a refund that should not have been purchased in the first place.
Consumer complaint received 2023-06-19
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-03-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (GA)

I got an automated call from XXXX ( XXXX ) XXXX Stating that they had detected fraudulent activity on my Cash App account. They asked me to stay on the line for a representative. I believe this is a scam. I hung up.
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is of utmost importance to address this matter promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.
Consumer complaint received 2023-05-08
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA (CT)

On XX/XX/2023 I opened an Apple Savings Account and linked an external bank account ( XXXX  ) to fund the Apple Savings Account in the amount of {$160000.00} USD. On XX/XX/2023 I withdrew {$5000.00} USD back to the funding account, leaving a balance of {$160000.00} in Apple Savings. On XX/XX/XXXX an interest payment was added to the balance in the amount of {$210.00}. 
The current balance of the account was now {$160000.00}. 
I made the decision to move this full amount into another bank ( XXXX ) that provided a higher yield XXXX vs XXXX. The new savings account was opened XX/XX/XXXX and they deposited micro deposits to verify my ownership of the Apple Savings prior to moving the funds. After verifying, the new higher yield savings account ( XXXX ) attempted to fund the account the balance {$160000.00} which resulted in Apple locking my Apple Savings account. I contacted Apple Savings and they said they were unable to process this transfer and that I would only be able to withdraw all funds back to my original account that funded my Apple Savings ( XXXX ). Apple Savings unblocked my account and I was able to submit a request to withdraw my funds. 
I processed this withdrawal request on XX/XX/2023. The Apple Savings account immediately went to a {$0.00} balance. Since the withdrawal request, I now randomly get notifications from Apple Savings saying my account has been locked/restricted which require me to be on hold for hours a time, being passed off from agent to agent while they investigate with no real explanation as to why my account is being locked. 
As far as Apple Savings is concerned per my last call on XX/XX/XXXX, the money from the XX/XX/XXXX withdrawal request has left their system. It's now XX/XX/XXXX and the receiving bank ( XXXX  ) still sees no trace of the ACH being sent from Apple Savings ( I contacted them to verify ). So now I'm stuck with no access to my $ XXXX which is in limbo, with no interest being accrued.
Consumer complaint received 2018-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (GA)

I noticed in my Experian credit report still showing XXXX XXXX XXXX credit card that should have not been there and I contacted XXXX XXXX XXXX as to why they are reporting this inaccurate information to experian and they dont know where they get that information from and it should not been in my report. This information has been reporting in my credit report for decades and should have been removed by now.
Consumer complaint received 2023-06-27
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)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 1

5 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.
Consumer complaint received 2023-06-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (OK)

For a living, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. On XX/XX/2023, I received payment for one of these trips ( {$5400.00} ) through PayPal. When I logged on and tried to withdraw the funds to my bank account, PayPal decided to permanently limit my account due to activity in my account thats inconsistent with their User Agreement. I was never explained the reason to their decision. When they permanently limit an account, all money in your balance is held for 180 days. They give you no other solution other than wait. 

If this hold isnt released, I will not be able to provide the trip my guest paid for. My guest wont understand that this is PayPals fault, not mine. Consequently, a bad review from this guest can destroy what I do for a living, which would destroy every other aspect of my life.
Consumer complaint received 2024-08-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I was not properly notified of a debt by XXXX XXXX XXXX ( " XXXX '' ), which sent collection notices to an outdated address despite my updated address being available. XXXX continued collection activities without verifying the debt, violating the FDCPA and FCRA. Additionally, the amount reported by XXXX differs from the final bill and ignores an unprocessed energy draft. The credit reporting agencies ( XXXX, XXXX, TransUnion ) are reporting conflicting Dates of First Delinquency and amounts owed. I request the immediate removal of this inaccurate tradeline. The full demand and documentation is attached.
Consumer complaint received 2023-06-19
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. (NY)

XXXX XXXX XXXX XXXX was opened due to fraud and shall delete from my credit. 
Account number XXXX has a balance of {$7500.00} which inaccurate report because I never opened or applied for this fraudulent account. I request documents of ownership to see how this account was opened and also I want to see the wit signature about this fraudulent account.
Consumer complaint received 2023-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting act.The lists of accounts below have violated my federally protected consumer rights to privacy and confidentiality under law 15 USC 1681. 

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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may take 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 any consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-11
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)

DISCOVER acct was fraudulently open in my name in XX/XX/2019. This occurred during the time of my identity being compromised. After discovery I contacted creditor to make aware of the fraud. I advised them of the identity theft. They then proceeded to close the card to prevent it from further use. At this time, I contacted the bureaus to have them aware of this. I put fraud alerts, froze my file, also contacted identity monitor along with filing law enforcement report, CFPB as well.I thought I was ok. Years passed, I realize its still reporting to my credit. XXXXXXXX XXXX XXXX DID NOT CLOSE MY ACCOUNT AS PER DISCUSSION, THEY CLOSED IT OFF AS A CHARGEOFF AS A BAD DEBT AS IF I WAS LIABLE FOR THESE CHARGES. THEY WERE AWARE OF FRAUD, ITS WHY THEY CLOSED CARD POST INITIAL INTERACTION. I AM COMPLAINING TO XXXX XXXX AND TRANSUNION, XXXX, XXXX XXXX SHOULD HAVE REMOVED IT DUE TO FRAUD. SHOULD DELETE, THIS IS FRAUD! XXXX IS FALSELY REPORTING ON MY CREDIT, ILLEGALLY FRAUD! 
XXXX  acct was fraudulently open in my name in XX/XX/2019. This occurred during the time of my identity being compromised. After discovery I contacted creditor to make aware of the fraud. I advised them of the identity theft. They then proceeded to close the card to prevent it from further use. At this time, I contacted the bureaus to have them aware of this. I put fraud alerts, froze my file, also contacted identity monitor along with filing law enforcement report, CFPB as well.I thought I was ok. Years passed, I realize its still reporting to my credit. XXXX XXXX  CARD DID NOT CLOSE MY ACCOUNT AS PER DISCUSSION, THEY CLOSED IT OFF AS A CHARGEOFF AS A BAD DEBT AS IF I WAS LIABLE FOR THESE CHARGES. THEY WERE AWARE OF FRAUD, ITS WHY THEY CLOSED CARD POST INITIAL INTERACTION. I AM COMPLAINING TO DISCOVER CARD AND TRANSUNION, XXXX, XXXX XXXX SHOULD HAVE REMOVED IT DUE TO FRAUD. SHOULD DELETE, THIS IS FRAUD! XXXX IS FALSELY REPORTING ON MY CREDIT, ILLEGALLY FRAUD! 
XXXX XXXX  IS REPORTING THIS INFORMATION AS ACCURATE AND VERIFIED. SO HAVE THE CREDIT BUREAUS, YET THEY ARE NOT USING INVESTIGATIONS, THEY ARE NOT PROVIDING ME WITH ANY INFORMATION ON HOW THEIR INVESTIGATION RESULTS WERE CONCLUDED, THEY ARENT PROVIDING DETAILS ( BY LAW ) ON WHICH METHODS OR PRACTICES OR RESOURCES THEY HAVE USED TO COME TO THE DECISON. 

THE AMOUNT IS {$1100.00} ITS ALSO REPORTING MY CREDIT PROFILE AS DELINQUENT, ALSO REPORTING FALSE LATE PAYMENTS ALSO REPORTING AS A CHARGE OFF INCORECTLY AS IT WAS A FRAUD ACCOUNT. THEY ARE CAUSING MY SCORE TO DROP AND MY PROFILE TO BE INACURATE AND DELINQUENT.
Consumer complaint received 2022-03-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (MA)

On XXXX my credit card, cell phone, and car was stolen. I reported it to XXXX Police and all of the unauthorized transactions that were made on my Cash app account. Since XXXX I have been going back-and-forth through email correspondence with the Cash app dispute team about the unauthorized transactions that Cash app is refusing to reimburse me for. In the amounts of {$6000.00}, {$1000.00}, {$40.00}, {$40.00} and {$200.00} ( supporting documents attach ) There was other transactions made but I was able to recover payment from the merchants but these are the only five transactions that Cashapp will not support reimbursement for these transactions due to the transactions were made off of the device. Cashapp is refusing to repay me for these transactions because of the excuse that they are using is that the transaction were made off of the device I attach the police report from the authorities to provide proper documentation proving that the device was STOLEN and these transaction are and were UNAUTHORIZED. Also since XXXX my account information has been compromised more than two times and Cashapp had to re-issue me 2 new cards because all the personal information and email attached to my account was changed to the hackers fake email and all my new information was being sent to the hacker email. On XXXX and XXXX Cashapp piped my account because another device was attached to the account which is how the other Unauthorized transactions were being made after the XXXX when the device was stolen. There definitely is a security breach. ( Police report attach ) ive been trying to get this issue resolved with Cashapp and have not had any success due to the fact the dispute department only correspond via email. Cash app also told me to reach out to the people the money was sent to too try and get reimbursed. The problem is my credit card and cell phone was STOLEN. Which is why I call to report this to Cashapp to prevent unauthorized transactions and a big situation from happening but NOTHING WAS DONE. My life savings are all gone. I would like to get paid back the money that was stolen from me. I also have attached emails that I received from Cashapp giving no explanation of Why this claim was denied. Cash app reimburse me for all of the unauthorized transactions that were made prior to these ones and also the ones that were made after these denied claims. I want my money back and answers on how My account was hacked and information breached two more times after the initial complaint was made. My device was stolen, credit card, and car and over total of {$9000.00} was stolen and I still have not been able to get the XXXX reimbursed. I would like a written explanation. I would like to be paid back my money
Consumer complaint received 2023-06-10
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: EQUIFAX, INC. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-03-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Block, Inc. (CT)

On XX/XX/XXXX I received emails stating that someone had tried to access my square business account. On XX/XX/XXXX I took the exact steps that were outlined in the email to prevent anything further from happening. I continued to get emails on XX/XX/XXXX and it showed that someone had created a checking account with a debit card and had added this debit card to XXXX and XXXX XXXX without my permission. I called Square for assistance three times. Each time they transferred me to a department that is only open XXXX XXXX XXXX  XXXX time. I had to figure out how to close the debit and check account on my own. During the early morning of XX/XX/XXXX another debit card was created. I closed that one too. I couldn't reach someone on the phone until XXXX XX/XX/XXXX. On XX/XX/XXXX I was told by Square representatives that they would need to put a hold on the account and review it. They said that they would need to hold my money for 5-7 business days to investigate. They wouldn't give me a contact person to call as to what is being investigated and who is doing the investigation. 

On XX/XX/XXXX I received 4 more emails that my account information had been accessed by someone ( not me ). I logged into my account and noticed that another checking account and debit card had been setup. I also noticed that my account balance was {$0.00} and no funds could be transferred.
Consumer complaint received 2023-08-11
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. (PA)

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.

has violated my rights. Or list of inquiries 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 2023-06-10
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. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-19
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. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following Accounts XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : XXXX XXXX XXXX Balance : {$14000.00}