davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Early Warning Services, LLC (FL)

XXXX I am requesting a copy of my report- please see attached for : form filled out, drivers license, social security card, and proof of address. Please email it to email address on form.
Consumer complaint received 2023-05-01
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. (GA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you Please block/remove these items : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XX/XX/2014 XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/2014 XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2023-06-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PRESTIGE FINANCIAL SERVICES INC (KS)

I followed the same administrative process Prestige would of followed to discharge a debt. Mailled 1st certified letter XXXX XXXX XXXX XXXX XXXX to XXXX XXXX XXXX to claim credits and tender of payment on XX/XX/23. 2nd certified letter XXXX XXXX XXXX XXXX XXXX the opportunity to cure XXXX. 3rd certified letter XXXX XXXX XXXX XXXX XXXX Notice of default and cease and desist intent letter to sue on XX/XX/23. All letters went unanswered! I received return receipts of delivery. I have discharged the debt the proper way! I am a secured party by my signature alone.
Consumer complaint received 2023-05-01
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: Experian Information Solutions Inc. (SC)

I'm writing this letter of complaint to the credit bureau to let them know once more that I was a victim of identity theft. My desire to contest unlawful items that are appearing on my credit record appears to be completely unimportant to the credit bureau. I need the items removed from my file as soon as possible because this is a clear violation of FCRA laws. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-01
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. (MA)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Kindly update the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-01
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. (DC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXXXXXX Balance : {$18000.00} XXXX  XXXX XXXX XXXX Balance : XXXXXXXX XXXX XXXX XXXXXXXX Balance : XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$340.00} XXXX XXXX Balance : {$650.00} XXXX  XXXX XXXX XXXX : {$210.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX  XXXX XXXX XXXX Balance : {$71.00} XXXX XXXX XXXXXXXX Balance : {$330.00} XXXX  XXXX XXXX Balance : {$340.00} XXXX XXXX Balance : {$650.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$18000.00} XXXX  XXXX XXXX XXXX Balance : {$370.00} XXXX XXXX XXXXXXXX Balance : {$330.00} XXXX  XXXX XXXX Balance : {$340.00} XXXX XXXX Balance : {$650.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-06-10
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. (CA)

This is my second 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX Balance : {$690.00} XXXX XXXX XXXX Balance : {$260.00} XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX XXXX Balance : {$380.00} XXXX XXXX XXXXXXXX Balance : {$690.00} XXXX XXXX XXXXXXXX Balance : {$260.00} Medical XXXX Balance : {$590.00} XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$690.00} XXXX XXXX XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX XXXX Balance : {$380.00} XXXX Inquired on XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-01
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. (NC)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2023-05-01
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. (GA)

This is my FURTHER Complaint regarding the identity theft that I experienced. In accordance with Fair Credit Reporting Act Section 605B ( a ), you must remove or block any information that was opened without my knowledge, consent, or authorization within 4 business days after receiving the following : ( 1 ) appropriate identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of such information; and ( 4 ) a statement from the consumer confirming that the information is unrelated to any transactions. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX  XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$8000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$1000.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX
Consumer complaint received 2023-05-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MD)

I am an XXXX American woman who had a high XXXX XXXX at the time the loan was originated however the Lender, Wells Fargo, chose to put me into a predatory, 10 year interest only stated income loan without any regard to my ability to repay that loan. At the time of the loan origination, I was working at the XXXX XXXX XXXX  with a salary of {$66000.00} per year. I provided to Wells Fargo my income documents and bank statements. Rather than qualify me for a loan that I could afford, Wells Fargo instead inflated my income to {$150000.00} per year. It did not realize that Wells Fargo had inflated my income until I requested the application, XXXX form, to review it. Due to the fact my mortgage payment went up to an unaffordable monthly amount. My attached documents have all the pertinent information and dates. My home is currently into foreclosure and am at risk any moment of losing my home.
Consumer complaint received 2021-12-08
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 have an account with Cash App. My name is XXXX XXXX. The account with Cash App handle is $ XXXX and my email address which they use as user name is XXXX. On XXXX XX/XX/2021, I made a deposit to my Cash App account for {$3000.00}. There was {$4.00} in the account. After the deposit I had {$3000.00}. The following day on XXXX XX/XX/2021 i try to log in. I forgot my password and tried too many times login too many times and the account was locked. For months, I have try to get my account open without success. Cash App doesn't want to help me in any way, even though, I asked them many times for help. All I want is my money. Nothing else. I'm attaching all the conversations I had with them.
Consumer complaint received 2023-05-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$250.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$320.00} XXXXXXXX XXXX XXXX XXXX Balance : {$390.00} XXXX XXXX XXXX Balance : {$950.00} XXXX Inquired on XXXX XXXX XXXX XXXX.
Consumer complaint received 2021-12-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (TN)

I had Cashapp account # 1 and I transfered {$600.00} to Cashapp # 2 ( Different bank ). I tried to log on to account # 2 and Cashapp application made me create account # 3 and it automatically populated info from account # 2. So I was locked out of account # 2 with {$600.00}. I have filed for an investigation from account # 1 and Cashapp said that their investigation is complete and they can't do any thing after they said they would do a one time courtesy transfer. I was told I could read their TOS. They have not taken any action after that.
Consumer complaint received 2021-11-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Block, Inc. (VA)

I live in Virginia and someone used my cash app card XXXX different times at XXXX in New York and I live in XXXX Virginia this is my rent money and bill money that has been taken. XXXX took XXXX $ from cashapp card XX/XX/XXXX at XXXX and another XXXX $ at XXXX and another for XXXX $ and another for XXXX. Remind you I live in Virginia these charges are absurd this is all of my money and there was another charge that I havent received back on XX/XX/XXXX at XXXX at the same XXXX New York location that cash all havent resolved yet but sent me another card im thinking that im okay until I wake up and see my cash app account drained. I have rent do on Thursday and my electric bill not including food for my kids.
Consumer complaint received 2023-05-01
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. (CA)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Transunion is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX XXXX Date opened XX/XX/2017 Balance {$0.00}
Consumer complaint received 2021-11-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (TN)

On XX/XX/XXXX I went to the ATM to get 400 dollars off. I had to do 2 transactions for 200 each. I only have a little over 400 dollars in my cash app account. I went to the first atm. And when it went to give me the 200 dollars it said error and didn't give my money. So I went to the ATM beside it and done another transaction this ATM gave me the 200 dollars. I did another transaction which this one said insufficient Funds. I then checked my account and seen that I had been charged for the first transaction. I called XXXX XXXX  number on the atm and they told me that I needed to contact cash app that they had already reversed the money back to cash app. I couldn't get ahold of any number on cash app so I had to use the chat option. Which was no help at all. They had me do some sort of claim. About a week later I get an email saying that I lost the claim and it went in favor of the atm and I don't get my money back. I called the ATM back and they told me that is not the case that cash app had my money and that they did an eft and they was supposed to just reverse the money back to my account. The ATM said all cash app has to do is recognize the reversal and apply it..after about 50 chat attempt and XXXX  emails. They will not give my money back. I've tried I contacted the XXXX XXXX XXXX and told them about everything.. and at this point idk what else to do. I need my 200 $ I've tried since that day to get cash app to resolve this and the atm XXXX XXXX  if u call them they will tell u that they reversed the money back to cash app. Cash app refuses to pay it back to me. They sent an email saying that the final decision was made and I don't get my money back. And the atm said that's cause cash app did an eft when they should of done a reversal.
Consumer complaint received 2023-06-10
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. (CA)

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The credit bureaus reported back to after my initial complaint back in XX/XX/2023 that my account was properly investigated and reported accurate, which is impossible because as of my most recent credit report XXXX XXXX account # XXXX The Amount that I owe is report inaccurately The Date opened are all reported inaccurately by XXXX XXXX Experian XXXX & XXXX XXXX 
The No. of months ( terms ) are reported inaccurately by XXXX, Experian, & XXXX. 
The High Credit is reported inaccurately by XXXX, Experian, & XXXX. 
The Last reported is reported inaccurately by XXXX, Experian, & XXXX. 
The Date last active is reported inaccurately by XXXX, Experian, & XXXX. 
The Date of last payment is reported inaccurately by XXXX, Experian, & XXXX. 
XXXX reported OK on time payments from XXXXXXXX XXXXXXXX XXXX  but Experian reported XXXX XXXX XXXX  for Charge-off from XXXX XXXX XXXX. 

I reported this to XXXX, XXXX, and Experian in XXXX of XXXX about the violation of 15 U.S.C 1681 section 602 ( A ), 15 U.S.C 1681 Section 604 ( A ) Section 2.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies : ( E ) if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph ( 1 ), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly ( ii ) delete that item of information. 

Ive already contacted XXXX XXXX multiple times and they told me to contact the credit bureau as it is the credit bureau that has violated my rights as a consumer, these inaccurate reports did nothing but hurt me financially with my credit score and the business I have going on, I tried to rectify the issue over 90 days ago to have the information corrected and nothing was corrected but my address and a few other miscellaneous things on the report but nothing from this XXXX issue and over 90 days is unacceptable this is grounds for a lawsuit against the credit bureau Im making last effort to request the credit bureau now remove the account associated with my name as I have contacted to XXXX company and they said if the account is going to be removed it has to be done by the credit bureau because my credit report accuracy issue is with the credit bureau.
Consumer complaint received 2017-11-29
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (IL)

I received my account statement for transaction activity period XX/XX/XXXX toXX/XX/XXXX. The ending account balance was XXXX. 
When I received my account statement for transaction activity period XX/XX/XXXX to XX/XX/XXXX, the beginning account balance was {$14000.00}. A increase of {$3400.00}. I did not do any account advances during this period. 
The company, when contacted can not explain why my balance increased.
Consumer complaint received 2024-10-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: PNC Bank N.A. (NM)

PNC BANK SENT A WELCOME LETTER STATING THEY HAVE TAKEN OVER THE LOAN, I WAS PAYING AND I STOPPED PAYMENT BECAUSE THEY HAVE NO WET INK ON THIS HOME OR APPLICATION, THEY CAN NOT VALIDATE THIS LOAN.SENT ME TO THE CREDIT BUREAU 'S WITH A NEGATIVE, KEEP REPORTING ON MY CREDIT NEVER GAVE THEM PERMISSION TO PUT ANYTHING ON MY REPORT.
Consumer complaint received 2021-11-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (FL)

Since XX/XX/XXXXXXXX, my father has been sending automatic payments to me using Cashapp. Unfortunately, the cash account he was sending to was no longer in use. unknown to me, when I updated my cash app name XXXX and updated my phone number, this set up a new account. Because my old account was set up for an instant deposit to my still in use and current bank, I thought nothing of it. Also, my current cash app account, indicates that I joined in XXXX which is the join date under my old cash app name. I would have not thought my update created an altogether new account. It wasn't until my father inquired with me if I had been receiving the money he was sending that we realized that it was going to the old cash app handle name. When I reached out to the cash app regarding this issue and after several emails, their only resolve for me was to inform me that my old account had a zero balance and my only option is to shut down my current account and regain access to the old one. I then had my father confirm with his bank that the funds he had been sending since XXXX, were and are in fact being sent to Cashapp. It has been upwards of 30 days and no one at Cashapp can tell us where my father 's money is or has gone. We are seeking assistance in tracking the funds and returning these funds to the initial sender.
Consumer complaint received 2023-05-01
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. (TN)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX