davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Block, Inc. (OR)

I have been docked {$2000.00} from my Cash.App ( Square ) account due to a " reversal '' of a refund that I was granted. I had about {$400.00} in the account as this happened and it is now at a negative {$1600.00}. This has caused me to lose more money and threaten my credit due to missing automatic payments tied to my Cash.App card that were rejected and put in arrears. 

Initially, I was grossly overcharged by a bar that I used my Cash.App card, the transaction was supposed to be {$20.00}, but the bar charged me {$2000.00}, then contacted me a few hours after I left and told me about the " accident '' and told me that they are immediately putting in a refund request with whoever processes the payments ( I have proof of the actual refund ticket from the business ). This transaction occurred on XX/XX/XXXX, and the refund occurred on XX/XX/XXXX. and I was eventually refunded. 

A month later on XX/XX/XXXX, unbeknownst to me ( and not shown in my cash.app transactions activity ), the company that I was wrongfully charged by supposedly disputed the refund that I was granted. Then, on XX/XX/XXXX, the disputed refund was overturned, and my account was docked {$2000.00} again. Once again, I was not contacted or informed by Cash.App that there was even a dispute on the transaction, nor was it anywhere that was easy for me to access! In fact, I had to contact Cash.App over 10 times before I could even get proof that this even occurred! Then, I asked repeatedly for over 2-3 weeks for more information, and who is responsible for settling the payments between the two since both Cash. App and the company refuse to answer the most simple questions I have so I can figure what is going on. 

I have documents from both parties that prove that there is some questionable practices happening on both sides. 
A month later on XX/XX/XXXX, unbeknownst to me ( and not shown in my cash.app transactions activity ), the company that I was wrongfully charged by supposedly disputed the refund that I was granted. Then, on XX/XX/XXXX, the disputed refund was overturned, and my account was docked {$2000.00} again. Once again, I was not contacted or informed by Cash.App that there was even a dispute on the transaction, nor was it anywhere that was easy for me to access! In fact, I had to contact Cash.App over 10 times before I could even get proof that this even occurred! Then, I asked repeatedly for over 2-3 weeks for more information, and who is responsible for settling the payments between the two since both Cash. App and the company refuse to answer the most simple questions I have so I can figure what is going on.
Consumer complaint received 2020-11-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc. (AZ)

I sent money using cash app to a PHONE NUMBER XXXX cash app sent it to some random $ cashtag they decided on ' XXXX  XXXX '. however, i was sitting next to the intended recipient and he logged into cash app using his PHONE NUMBER and the app decided to log him in as XXXX XXXX or something else. the {$5.00} I sent is lost and cashapp support has decided to : 1. ignore my original request and ask for the same information 3 times. 
2. ignore the details i had already provided in my original problem email as stated above.

3. decline to help me with the original issue and just state that the {$5.00} wen to XXXX XXXX successfully. 

i know it went to a scam account successfully. that was the original problem. cash app will now keep those {$5.00} and neither I nor the recipient have access to it. 

They allow you to send money to a phone number. they allow you to login with your phone number. but they will also create fake cash tags to hold the money and make it be lost to the consumer so they can keep it.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

I requested information of validation and balance XXXX XXXX XXXX opening date XX/XX/year> Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (DC)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-08-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA XXXX. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-08-15
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. (TX)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-08-20
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. (GA)

I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Consumer complaint received 2024-10-09
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: EQUIFAX, INC. (CA)

I submitted a credit repair request to a company, but they still failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

Im seeking your help with a misreported account on my credit report. This issue has negatively affected my reputation, and I need your immediate assistance. Your inaccurate reporting has caused significant harm, and its important that you correct this so I can have peace of mind with my family.
Consumer complaint received 2024-10-09
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. (CA)

This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

I demand that the following items be deleted immediately from my credit report :
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I was shocked to see inaccurate accounts suddenly appear on my credit report this morning, and I cant figure out why. I always check my credit report regularly, but this time, there were random discrepancies that completely caught me off guard. I even tried refreshing my browser, hoping it was a glitch, but nothing changed. The incorrect accounts were still there after refreshing. Now, Im really hoping the documents I submitted are reviewed carefully, so I dont have to keep stressing over this again.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: NAVY FEDERAL CREDIT UNION (OH)

Despite my multiple attempts to dispute these items I am writing to request the removal of unauthorized credit inquiries listed on my credit report with [ XXXX ] . Upon reviewing my latest credit report, I noticed [ number of hard inquiries ] credit inquiries that I did not authorize. I request that these inquiries be removed from my credit report immediately, as they were not initiated or authorized by me. Attached, you will find a copy of my credit report highlighting the disputed inquiries I appreciate your assistance in resolving this issue promptly.
Consumer complaint received 2024-08-21
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. (IL)

Its showing on my credit report that I owe {$1100.00} & {$500.00} from XXXX XXXX XXXX. I disputed through mail several times recently & previously. Asking for signature l To date they have not fulfilled the intent of the fair credit reporting act which requires bureau, as a consumer reporting agency to maintain fair, accurate, and equitable to the consumer such as I. The law states 15 USC Section 1681 says that credit bureaus will follow reasonable procedures to assure the maximum possible accuracy of information concerning I the individual about who the report relates the requirements have not been met by their actions. They have not given me evidence of investigation by giving me names and addresses of persons contacted, nor have they removed anything found inaccurate. They have not removed any item for which no verification could be found within XXXX  days. The items were inaccurate & incomplete. Also federal law Act 15 USC 16811that they had XXXX days to respond to letter for recertification of erroneous items. Federal law requires that upon request the creditor must provide the credit bureaus written proof that the account belongs to me the credit bureaus must remove the account from my credit file if this is not completed within XXXX  days and cease reporting all activity written proof is a copy of the contract I signed with the original creditor and not an XXXX response without sufficient proof. I asked who was the original creditor on this account and what was the account # what was the original amount owed? Please provide a complete payment history! Starting with original creditor I asked for them to please provide with documentation that indicates I agreed to pay someone this sum of money. What was the original date of delinquency for account I asked for agreement that grants them authority to collect on this alleged debt or proof of acquisition by assignment. They failed to do so!! Please remove these accounts!
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

" I am formally disputing these credit inquiries as they were made without my explicit authorization, violating my rights under FCRA 1681b and 1681c, as well as the XXXX XXXX. These sections require permissible purposes for inquiries and accurate reporting, which have not been met. Additionally, FCRA 1681i and 1681s-2 guarantee the accuracy and completeness of credit information. My rights have been violated, and I demand the immediate removal of these unauthorized inquiries to correct and ensure the accuracy of my credit report. Failure to address this issue promptly will compel me to consider further action. ''
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I sent a detailed letter regarding, what I believe, to be incorrect reporting 's on my credit report. I have yet to receive any update or correspondence from them, and I believe that this is a stall tactic from them. 
I know that they receive compensation for reporting information and If they have to delete items, it will affect their income, thus I believe that they are not reporting correctly.
Consumer complaint received 2024-08-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TX)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

Company emailed me notice that they do not intend to investigate because they do not believe I authorized the inquiry 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. 

The information and Accounts listed below have violated my rights. 

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. 


XXXX. Names disputes- XXXX XXXX ( Name ID : # XXXX ) - XXXX XXXX XXXX ( Name ID : # XXXX ) - XXXX XXXX ( Name ID : # XXXX ) - XXXX XXXX XXXX ( Name ID : # XXXX ) - XXXX  XXXX ( Name ID : # XXXX ) - XXXX XXXX XXXX ( Name ID : # XXXX ) XXXX. Address Disputes- Address ID # XXXX - Address ID # XXXX Single family - Address ID # XXXX Single family - Address ID # XXXX Multifamily - Address ID # XXXX Multifamily - Address ID # XXXX Apartment complex - Address ID # XXXX Multifamily - Address ID # XXXX Apartment complex - Address ID # XXXX Employer Dispute : 1. Current Employer - XXXX XXXX XXXX XXXX. Account Dispute - Account XXXX XXXX XXXXXXXX : Incorrect Status and balance Request immediate deletion - Account XXXX : Child Support Enforcement Incorrect status request immediate deletion - Account XXXX XXXX XXXX XXXX balance and status. Request immediate deletion - Account XXXX XXXX XXXX XXXX XXXX : Incorrect account status and balance. Resolved account request immediate deletion - Account XXXX XXXX Possible Finance : Incorrect status and Balance request immediate deletion - Account XXXX : XXXXXXXX XXXX Imcorrect status and balance. Request immediate deletion - Account XXXX XXXX XXXX : incorrect balance and status : request immediate deletion - Account XXXX XXXX XXXX : incorrect balance and status : request immediate deletion - Account : XXXX : XXXX NO CONTRACT request immediate deletion - Account XXXX XXXX incorrect balance and status : request immediate deletion - Account XXXX XXXX  incorrect balance and status : request immediate deletion account SOLD - Account XXXX XXXX XXXX  incorrect balance and status : request immediate deletion
Consumer complaint received 2024-08-21
Product: Credit reporting 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)

My credit file still contains information about previous accounts from Experian, XXXX, and XXXX despite my repeated disputes and requests for their removal. My credit file has these items since XXXX. I've been at odds with these credit bureaus for the past six years. Everything that states " Collection Charge Off, '' including XXXX XXXX XXXX XXXX, and XXXX, needs to be removed. I'm unable to move forward because of the ongoing effects these things are having on my credit report. 

These laws also protects me as a consumer Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S. Code 1692 Fair Credit Reporting Act ( FCRA ) - 15 U.S. Code 1681 Gramm-Leach-Bliley Act ( GLBA ) - 15 U.S. Code 6801-6809 Identity Theft and Assumption Deterrence Act ( ITADA ) - 18 U.S. Code 1028 Privacy Act of 1974 - 5 U.S. Code 552a
Consumer complaint received 2024-08-15
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Prosper Marketplace, Inc. (WV)

I applied for a {$3000.00} to pay medical bills. I contacted Prosper for help. They responded favorably. They texted me and said they would send some verification funds, after I gave them access to my checking account, and then I was to return the funds in the form of target gift cards, which I bought at a XXXX store in XXXX, West Virginia. One for {$350.00}, and two each at $ XXXX scratched the backs and photographed the cards and receipts and sent to him. It was right after I noticed that {$130.00} was missing of my own money. Then the bank sent me a XXXX email that my checking account had been locked! Its closed now.i was trying to borrow money, and lost it all!
Consumer complaint received 2020-11-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (NV)

On XX/XX/2020 someone fraudulently used my CashApp account to withdrawal money from my CashApp wallet as well as my bank account. I was able to contact my bank and submit a Regulation E claim for the fraudulent transaction, which they promptly resolved. However, when I tried to submit a notice of error to CashApp for the {$200.00} taken from my wallet on Cash App, I have been running in circles to submit my notice of error. 

I went the the CashApp website and contacted the telephone number given under its error resolution notice ( XXXX ). However, when I call this number it give a message that states that " Live phone support is not generally available at this time. '' The recorded message provides a website for further help. When you go to that website it does not offer options to report fraud. I closed my CashApp account to stop any additional fraud.

At this point I am frustrated and just looking for help to get ahold of CashApp so I can report the fraud and request a refund of my {$200.00}.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My account with 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 in those account 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 Never Sent the periodic statement along with the disclosures from section 1637 ( 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 1002 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