davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX
Consumer complaint received 2022-05-04
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. (IL)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to ExperianXXXX XXXX was XX/XX/2022 but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i , which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to correct immediately : XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$1700.00}
Consumer complaint received 2021-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Titan Receivables, Inc. (CA)

TITAN RECEIVABLES INC ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2500.00} - The entire account status that is currently reporting on my own credit record is having a grave damage impact on my personal capability to obtain approval to obtain a new loan request, please be sure to have evidence that this has been recorded accurately in accordance with the Fair Credit Reporting Act procedures, it's really a very serious matter to mis-report. I desire to ask your verification of the above mentioned item also. If you can't examine this information as being 100 % exact I highly recommend you delete this straight away. 
Chapter XXXX Bankruptcy Dismissed XXXX - I've submitted proof that this is not my signature on the petition, you need to remove this immediately. 

Chapter XXXX Bankruptcy Dismissed XXXX - This was filed in my name by someone else and was fraud please remove immediately this Bankruptcy. You are reporting inaccurate Bankruptcy information. I contact my local court and no bankruptcy could be found with any of the information you have provided : Please remove this account Immediately. 

Chapter XXXX Bankruptcy Discharged XXXX - The creditor agreed to remove this account from my report. However, you are still reporting it Chapter XXXX Bankruptcy Dismissed XXXX You have incorrect information on my report this is the wrong docket number. This is a violation Remove Immediately. 

Chapter XXXX Bankruptcy Dismissed XXXX I have a certified letter from court stating they do not verify any accounts. 

Chapter XXXX Bankruptcy Dismissed XXXX I need for you to send me the petition to verify this account. If you can not do that, then this needs to be removed Bankruptcy Chapter XXXX Bankruptcy Dismissed XXXX - You've not furnished any documentation whatsoever and this means that you are reporting false info and just do not care. I've since made complaints against you with the CFPB.
Consumer complaint received 2021-10-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (CA)

Online fraud report Account # XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX On XX/XX/XXXX around XXXX, I got an email from XXXX XXXX saying that a wiring of {$24000.00} from my account # XXXX has been confirmed. As soon as I got it from my cell phone I called XXXX  XXXX to let them know that my account seems to have a bridge and tell them that it was not from me and they need to stop any transactions from it that day. Later I saw that {$24000.00} was wired to a XXXX  FED # XXXX XXXX Chase XXXX XXXX XXXX XXXX # XXXX Trn # XXXX Rfb # XXXX. After talking to the wells fargo rep, She checked my phone #, address, pin # and text me a code to verify my identifty. She told me that they can't do anything right now and I need to go to a wells fargo branch and tell them to call them back directly to verify my identity with picture ID. I went to 3 branches in all of them they told me that they are busy and can't help. I have to go a branch in XXXX to get help where they told me that this was done online and they stated that I did send money to my brother to buy a car. I don't even have a brother at all, without my knowledge or approval. I told them they need to cancel all my transactions that day to prevent any payment. At the branch, they took my ATM and destroy it in front of me and close my account. What I can see that XXXX XXXX bank didn't try to do anything that day because if it did, that person should alert JPmorgan bank to do not disburse money at all. After 20 days of investigations, I got a letter from XXXX XXXX saying that wiring was done by me or somebody I have giving authorization. I think they are wrong on that because I have never wired nobody money online since I opened my account in XXXX. Please help in investigating with local police where this happened. Usually even when I want to buy in local store if I try to spend more than {$500.00} I will get a message saying that I need to call XXXX XXXX to confirm it's me. I was curious why they allowed to wire that much amount without verifying with me first.
Consumer complaint received 2022-07-13
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. (NC)

The following companies made unauthorized inquiries on my personal credit report. I listed below the names and the dates of inquiries were made. Since I did not authorize these companies to obtain my credit report, I demand that these inquiries be deleted as soon as possible and my credit score be adjusted accordingly : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-07-13
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. (VA)

I sent a letter on XX/XX/2022, to remove these accounts that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint XXXX & I am including it again. Please do immediate action regarding this matter. 
XXXX  XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX  XXXX Balance : {$26000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX Balance : {$640.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$270.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) XXXXBalance : {$740.00}
Consumer complaint received 2021-10-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (NJ)

On XXXX at XXXX XXXX  I was transferring funds to a company using Cashapp ( Square ) to a company for service performed. The cash app name provided was duplicated by someone and they received the funds instead. I immediately contacted cashapp and the person receiving the funds to have the funds returned to my debit card. The unintended recipient rejected my request to return the funds and cash app support declined to help return the pending funds back to my account. I have reached out to my financial institution as well with no help provided. I feel that the fraudulent act is not being investigated by cash app as they are unwilling to help with my case.
Consumer complaint received 2021-02-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: PROSPERITY BANCSHARES, INC. (TX)

Im going through identity theft and fraud ive been victimized. I noticed there has been fraudulent activity that has been taking place since 2016, I came to knowing that there had been fraud accounts : such as treasury accounts linked to my business account. I cae to knowing this because i had asked my fiance to check my business checking account for the balance and then ... she yelled to see what she was seeing on the online banking system with prosperity bank, She had accidently clicked the treasury account tab and using the exact same log ins as my checking account for my business, had logged us into a treasury account with 3 accounts in it with large amounts of money $ XXXX, xxx, xxx.xx,. I freaked we called the customer service number and they said it must of been glitch due to the updating their system. Well i did not believe what they told me. I asked a representative at the bank i normally go to and she stated that if i did not have an account it would of never of let me log into those accounts. back and forth they denied that it existed. including fraudulent transactions, i could not report it due to it being past the the days to being able to being reimbursed. I never had a bad check, always stayed on point with my business account, after i had a contract with a company and it was over {$7.00}, xxx.xx or so the bank did not want to cash or deposit my check the next day. they actually wanted to put a 21 day hold. so i told the to close the account. going through all this conflinct with the bank i couldnt get those numbers out of my head so, i called again and this time after the account being closed a representative confirmed my theory and what i had seen. there was actually 3 accounts 2 business accounts and 1 atm direct, im still not sure what that last account is. she also mentioned that they accounts were also closed and that they balalnce was {$0.00} out. This fraud has been done to me personal and business has been affected. they also reopened my bank account fradulently supposebly do to a check that cleared in our paperwork and statements way earlier like 2 months back. then they changed it and said it was due to a cash app deposit of {$5.00} which i never did i checked my accounts and nothing.. they lied and are still lying to me.
Consumer complaint received 2020-05-09
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Block, Inc. (NY)

Hello- my name is XXXX XXXX and Ive been attempting to get a replacement cash app card for Cash App quite some time in order to receive the stimulus payment. Am discovering that since XXXX my brother XXXX XXXX in conjunction with a friend on XXXX XXXX and number of other people have been accessing my account and basically stealing any funds that are due my way. I close the account and reopen but they have it direct deposit linked to a card which does not belong to me. They have done this with countless other companies as well, then phone in to say Im the one doing fraud which is false. Am trying to clear my name but its been difficult when 10-20 people are calling in or emailing to lie about me at once versus my one phone call or email at a time which I can send in.. thank you for your time.
Consumer complaint received 2022-02-22
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX
Consumer complaint received 2022-07-13
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. (GA)

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX Owed : {$0.00} ; XXXX  XXXX Balance Owed XXXX {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$19000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$750.00} ; XXXX XXXX XXXX Balance Owed : {$15.00} ; UTILITY SELF-REPORTED XXXX Balance Owed : {$110.00} ; XXXX SELF-REPORTED XXXX Balance Owed : {$280.00} ; UTILITY SELF-REPORTED XXXX Balance Owed : {$140.00} ; XXXX, XXXX XXXX XXXX XXXX  XXXX ; XXXX XXXX CT XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, NY XXXX
Consumer complaint received 2020-04-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (DE)

On XX/XX/20, someone using my bank debit card number took cash out on an app called " Cash App '' via a mobile device. I do not have the app and did not authorize the transaction. I was notified by my bank ( XXXX XXXX XXXX XXXX ) early on XXXX about this. The person or persons made several transactions on that app. 

!. Cash app {$190.00} 2. Cash app {$100.00} Since I learned about this early in the morning, I called my bank and immediately and canceled my card. The transaction of {$100.00} did not get posted to my account. However, the one for {$190.00} did get posted. My husband and I spent 4 hours on phone calls trying to fix this on XXXX. And today, XXXX, I spent another hour. It was impossible to get through to someone on the phone. We tried 5 different phone numbers and nothing worked. And there was no way to email or do a live chat if we didn't have an account or code number. We then found another phone number and someone was on the phone with us for 45 minutes trying to help us. Unfortunately, we realized later that the person on the phone was not an employee of cash app and we were scammed again. I have the phone numbers that we called and more details if they are needed.
Consumer complaint received 2022-12-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: UMB FINANCIAL CORPORATION (CA)

On or about XX/XX/XXXX, I applied for a UMB credit card per the invitation of a retailer that is a co-brand partner with UMB. Approximately one week later, I received a letter from UMB dated XX/XX/XXXX referencing application ID # XXXX. The letter stated I needed to fax them the following documents : 1. Utility bill ; 2. Government ID ; 3. Rental agreement ; 4. Social security card ; 5. Bank statement.

The first, third and fifth documents needed to show my current address. I successfully faxed these documents to UMB per their instructions prior to their stated deadline. 

On XX/XX/XXXX I received a letter from UMB stating that my application had been denied and the only reason they provided was " Primary Phone Number. '' Federal law mandates that UMB must provide THE actual reason why my credit application was denied and that the reason must not be cryptic or nonsense. The law requires the reason provide the applicant with useful data that can enable them to understand and improve their credit. UMB has dismally failed to do this.

I believe UMB is making their decision based on either racist, sexist or other illegal discriminatory reasons. The primary phone number I gave is not in my name because it is part of a general phone service with multiple lines on my father 's account. Also, because of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT and I'm including it again. 

XXXX : XXXX XXXX AUTO XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$220.00} Equifax : XXXX XXXX AUTO XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$220.00} XXXX : XXXX XXXX AUTO XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$220.00}
Consumer complaint received 2022-07-13
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. (MO)

Upon securing a copy of my Credit Report from XXXX, I immediately investigated it and noticed that there are erroneous accounts reporting on my Credit file. The 3 credit bureaus are required to authenticate these accounts under the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Per FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-12-01
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. (MI)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3400.00} ; XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$3700.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-07-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX have violated my rights.

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
Consumer complaint received 2021-10-18
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc. (VA)

Hello, I had used XXXX phone number between XXXX and XX/XX/XXXX. I was valuable customer and paid all the bills on time. Before cancelling the service, i contacted with one of the representatives and requested to cancel my service and made sure everything was fine at that time. Then after cancelling my service, until now i have received bills to pay and now even collection company named XXXX XXXX XXXX has still been calling me to pay for the service of XX/XX/XXXX. At that time i had already cancelled my service with the company and did not even use one day of service. I tried to explain that i had already cancelled when the collection company called me but they just told me to pay money for the service I did not get. I tried to contact with XXXX company to figure out whats going on and they asked me to pay different amount of money for different duration of billing period than collection company. Therefore, I can verify that I am still receiving bills from XXXX company even though I stopped service over a year ago. This XXXX company gave my information to another debt collection company besides this one too. I have email from that company. 

Please help me figure out what is happening. 

Thank you so much for your time and consideration
Consumer complaint received 2021-10-18
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Problem with customer service — 
Company: EQUIFAX, INC. (OR)

Maybe you're not understanding this but it is the law so when that child with adopted by another person I was not held accountable also there is the absent parent act where I've been out of child life for years so I demand that be to taking off immediately