davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

I don't have an active account with XXXX. However, they are improperly reporting account information on my credit, which I am refusing to pay. My credit report states the account was 30 days past due in XX/XX/XXXX. The account went from being 30 days late in XX/XX/XXXX to being closed in XXXX and XX/XX/XXXX. Then the account reports as being 30 days past due in XXXX, 60 days past due in XXXX and 90 days past due in XX/XX/XXXX. 

Aforementioned, I refused to pay the alleged debt and request that you cease and desist all further communication with me and any and ALL XXXX Parties in this regard, as required by the Fair Debt Collection Practices Act : If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer Citation : 15 U.S.C. 1692c ( 2021 ) ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.

( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collector 's further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.
Consumer complaint received 2021-01-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (OH)

In XXXX of XXXX, my XXXX year old grandmother received a CashApp credit card in the mail which was fraud. She does not have a mobile phone or computer and she did not open this account. My mom, who is a senior and her Power of Attorney filed a police report and attempted to call and cancel this account. 

CashApp does not have a customer service number to call and report fraud accounts. Since you can only contact them via email, I filed a complaint under my CashApp acccount with detailed information which included my grandmothers fraud CashApp name and explained that the account was fraud and needed to be closed ASAP. I went through multiple emails and received a response that the account was closed. To complete the Identitytheft.gov process and attempt to figure out who opened this account, my mom who is her POA requested detailed information about the fraud account. CashApp sent a secure URL requesting information to verify they are responding to the correct person. I sent the information on XX/XX/XXXX and they stopped responded to all of my emails. I sent multiple emails daily to check on the status and and did not receive a response. 

Due to this poor customer service that I received, I filed a complaint with the XXXX XXXX XXXX on XX/XX/XXXX. Two days later, I received two separate email responses from CashApp. They stated I needed to follow the detailed instructions and upload the information to receive the requested information. I sent the photos on XX/XX/XXXX and on XX/XX/XXXX I received a confirmation email stating they received the documents. I am now back in the same situation with CashApp receiving images of all three of our personal information and not responding to my emails with an estimated date when they should expect to receive the information. I checked the fraud CashApp name and the account is still active on CashApp.
Consumer complaint received 2021-01-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (NY)

On XX/XX/2020 I was the victim of a gunpoint robbery and was forced to give up my phone. 
My cash app account was then compromised and numerous attempts by the criminal to withdraw funds were made and some some were successful. {$580.00} was fraudulently withdrawn and upon discovery I immediately contacted cash app " support ''. 
They proceeded to blame me for being a victim of crime and decided to deny my refund claim. Cash app continues to make money per transaction ; fraudulent or not so they dont care about the end user or consumer. They need to be investigated immediately. 
In effect all of us who experienced similar issues are inadvertently helping them get unfairly enriched at our and my unfortunate expense. This is far from an isolated issue as cash apps business practices and lack of actual support resolutions makes cash app users a lucrative target for criminals who knowingly understand Cash apps consistent willful blind eye to fraudulent and criminal transactions.
Consumer complaint received 2021-01-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc. (FL)

I used the payment processor Squareup.com to process payments for my ecommerce businesses in XX/XX/XXXX. I only processed transactions through square on XX/XX/XXXX through XXXX. 

On XX/XX/XXXX, I received an email from Squareup informing me that my deposits had been suspended because they needed more information from me, including bank statements, invoices and my web site address to fully verify my account. I was told I could do so in my squareup dashboard. 

Before I even had a chance to respond to this inquiry, I received another email on XX/XX/XXXX that my account was being terminated completely due to a pattern of high risk transactions. The email said I would receive the money from my active transactions in the normal pay out time frame, which is one to two business days, At this time there was over {$35000.00} in my account. 

After several days of not receiving the funds, I submitted the documents they originally requested. I received an email that I would hear back in two business days. After not hearing from for a week, I made contact with them several times. When I called, I simply received a recording that my active was deactivated and I would get my funds on the date outline in the email. But there was no email with any date, other then the first email which I said I would get my pay out immediately. 

In order to bypass the recording, I created a new account to call customer service. The agent was confused about the status of my account and attempted several time to reach the appropriate team. He told me to send another email and they would response by the end of the day, even though I had not hear back for weeks, I am attaching two emails I sent to their customer service, on XX/XX/XXXX and XX/XX/XXXX asking about my funds. This is in addition to numerous emails I sent through their web contact form which I don't have a record of. Finally, today, on XX/XX/XXXX, I received an email from their account services team telling me that they can not reactivate my account. But I wasn't asking for my account to be re-activated I just want the funds that are in it. I replied and told them this, I still have no idea when they plan to release my money. They are currently holding {$23000.00} in active funds and {$10000.00} which are in disputes.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX never sent the periodic statement along with the disclosures from section XXXX ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Consumer complaint received 2024-10-29
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (LA)

I, XXXX XXXX, a consumer has asked the three major credit reporting agencies to update and remove all inaccurate, and incorrect information from my credit report. I have on several occasions I requested that XXXX, Equifax, XXXX remove all negative accounts from my credit report. All three companies have refused to comply. They continue to ignore my request to correct my credit. The following accounts needs to be removed from my credit report : XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX. 
I AM REQUESTING THAT THAT THESE ACCOUNTS BE COMPLETELY REMOVED AND BLOCKED from my credit file. I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft.

The law is clear that they must be accuracy in their reporting. According to the FCRA disputed items must be reinvestigated or delete from my credit report.

Please I am requesting that you remove all inquiries and Identity Theft from my credit report.
Consumer complaint received 2023-10-10
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. (GA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NV)

Upon examining my credit report, I identified discrepancies with the following account that are hindering my ability to secure credit. In compliance with the Fair Credit Reporting Act ( FCRA ), I am submitting a formal request for a procedural investigation to verify the accuracy of the reported information. 

Below are the account details requiring your immediate attention : Account Name : XXXX XXXX  XXXX Account Number : XXXX Please conduct a thorough reinvestigation and provide documentation of your findings. If the information can not be confirmed as accurate, I expect its immediate removal from my credit report. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

My account with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports XXXX
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX Balance : {$86.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX CARD XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$410.00}
Consumer complaint received 2024-08-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

I submitted a type-written dispute letter with a clear copy of my current drivers license, front and back, a clear scan of my social security card and, a current electric bill scanned and clearly visible. I sent this letter via certified mail on XX/XX/year>. Today XX/XX/year> I received a notice dated XX/XX/year> from Equifax stating that my documents were illegible. They clearly received the mail which I am including showing, the letter that was mailed and recevied by them. They are clearly trying deny me of my rights to request they investigate and correct any inaccurate or incomplete information being reported including my actual address.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items.
Consumer complaint received 2023-07-02
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Control, LLC (VA)

To date, I have received no notices of debt collection, to include my right to dispute, from Credit Control, in accordance with XXXX Notice for validation of debts. I do not owe any debt to Credit Control, or any company, Credit Control claims to represent. I have never had any account nor contract with Credit Control. I never received any written notification regarding debt collection, I never received written notification that an attempt to collect this alleged debt was occurring nor did I receive any written notification of my right to dispute this alleged debt within 30 days. This is a violation of the Fair Debt Collection Practices Act. I do not owe any alleged debt to Credit Control or any secondary company. And I intend to sue and seek damages for each violation of FDCPA if this is not rectified. 

I challenge the validity of the debt, as I have had my accounts, email and other personal accounts hacked into and have had credit applied for in my name that I didnt initiate. I have continued to receive calls in attempts to collect a debt that I do not owe. I had the same issue with this company in 2019, and filed a complaint with CPFB. I am a XXXX veteran and I do not owe any debt and want the calls and attempts at collection to cease. If this does not cease, I will retain counsel and seek compensation for damages.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-10-27
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: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter  PLEASE HELP ME PLEASE im XXXX now.with no help.