davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-26
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. (SC)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.
Consumer complaint received 2023-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CO)

Someone at a bank ( XXXX  ) opened an account fraudulently. So they used my name and social security number. The bank and the Experian credit reporting agency refuse to remove the fraudulent information in the report, claiming the the identification information matches my name... yeah, because that's how identity theft works. I have included ANOTHER FTC Identity Theft report, showing that this is a case of fraud, and have gone through all the proper channels of reporting it to local and federal authorities. Now, it is EXPERIAN that is violating the fair credit reporting act by not removing the fraudulent information in a timely manner.
Consumer complaint received 2023-08-26
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Critical Ideas, Inc. (WV)

On XX/XX/23 I joined Chipper Cash ( hereafter referred to as " *CC '' ). It took a couple tries to get my acct verified, then I sent {$670.00} to my loved one in XXXX, XXXX XXXX, who I've been supporting for over 12 years. He received it immediately & used it. It hadn't been deducted from my bank acct a week later, so I emailed *CC. 
I've emailed them at least 25x ( with responses from 8-12 different names all on the same thread - some auto-generated & some actually written ). I've also called them 8-10x. The first time, a lady answered & got rather snippy w/me, but every other time a guy named 'Kano ' answers . ( He calls this 'an edge case '. ) I've also contacted my local bank branch 2-4x & the bank headquarters at least 3x. They tell me that *CC tried to access my SAVINGS acct ( vs CHECKING ), so I informed *CC of this - TWICE. The 2nd time, they emailed me right away & said it was fixed, so I tried again to 'load ' {$670.00} on the app, & it seemed to process. That was weeks ago, & it still hasn't been deducted from my bank acct altho it SHOWS that I added {$670.00} both times. 
I tried to 'stop payment ' thru my bank, but they CAN'T bc there's no record of *CC trying to take the money! I'm wondering, if *CC DOES become able to withdraw the payment, will they take it TWICE ( since the app shows that I added it two different times 2 months apart )?

It seems that, since I owe THEM money, THEY'D be anxious to GET IT, but they've treated me as if I'M trying to get money FROM them. 
So crazy!
Consumer complaint received 2023-10-09
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: EQUIFAX, INC. (TX)

Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Equifax credit bureau but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate THIS account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2023-04-14
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: Monterey Financial Services LLC (NV)

This collection agency keeps disregarding the laws. I have sent letters asking them to provide the original signed documents ( by me ) proving the debt is mine and have not received a response or proof. Ive shown them multiple times how they are violating the Fair Credit Reporting Act. This is holding me back from purchasing a home for my family. 

According to 15 USC 1681i ( 5 ), the credit bureaus must modify or delete accounts that are not reporting accurately.

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 states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on!

In accordance with the Fair Credit Reporting Act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

On XXXX MONTEREY COLLECTION SV : # XXXX has violated my rights. 


This collection agency has no respect for the laws. Someone needs to hold them accountable for this.
Consumer complaint received 2021-10-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (FL)

in XX/XX/2021 at XXXX XXXX I used cash app to purchase XXXX from a person on XXXX marketplace. 
immediately I get in touch with cash app to stop the transaction because the bank sent me a notification of fraud. of {$520.00} which i paid to get the device as a gift for my nephew cash app take a 10 days of investigate and they reject my refund request. 
before i use this cash app XXXX pay from this account were requested and were rejected due to fraud concerning. 
i didn't know she is a scammer she sent to me all her legal information including address phone number e- mail after i requested. i told here from a different XXXX account for that information to buy the same device so i told here i only use XXXX XXXX for money transfer. 
that's when i got all the real information about her. i am sure i wasn't the first victim of this person most of the money transfer including my bank warned me except cash app. 
i need help with that matter specially when cash app protect and not stopping the scammer.
Consumer complaint received 2023-04-24
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. (IL)

My name is XXXX c XXXX. I have a bankruptcy XXXX XXXXXXXX on my account. I have tried to dispute it with Experian, XXXX and XXXX, either the call will disconnect or they are not trying to dispute my bankruptcy from my files. I contacted the bankruptcy courts and they told me they DID NOT give these credit bureaus my information because it is against the Law, and then they emailed me a letter that states so. Ive then tried to dispute the bankruptcy for a second time Experian told me that they received information from the court house stating my personal information and that the bankruptcy court house told them that the information was correct and again that is against the Law
Consumer complaint received 2021-09-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Block, Inc. (CA)

On XX/XX/2021, I received a debit card in the mail from Square. The card is issued by XXXX XXXX. I never created a business account with Square or XXXX XXXX  and neither company has telephone support to handle issues relating to fraud or identity theft. I've tried multiple times to access their support and am told that, because I'm not an account holder and don't have a " customer number '', I'm unable to get assistance. This is the third " XXXX XXXX  '' where an account has been opened in my name without my permission, probably using stolen information from the dark web. Every other bank or company has had live customer service people to talk to that have dealt with the issue quickly, but Square and XXXX XXXX  make this virtually impossible.
Consumer complaint received 2021-09-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Block, Inc. (IN)

On XX/XX/XXXX I received a card from Cash App which I had never requested sent to my previous address and forwarded to my current address by the USPS. I have no relationship with Cash App. I contacted them via phone. The first representative refused to assist me and tried to direct me to open an account with Cash App to be able to close the fraudulently opened account. The second representative said they could not close the account opened in my name and that the only way to prevent my information from being used to open a Cash App account was to open a Cash App account myself. On XX/XX/XXXX I attempted to contact the company again and made them aware of complaints submitted to the FTC and the Federal Reserve around their practices. The representative tried to direct me to give my email and set up an account with Cash App to close the fraudulently opened account. I told the representative that I was going to be submitting a dispute letter generated via the FTC 's Identity Theft services and the representative declined to further assist me over the phone. I have submitted a police report and will be submitting a written complaint using the FTC 's Identity Theft resources shortly.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-29
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: Experian Information Solutions Inc. (IL)

I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS
Consumer complaint received 2021-09-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (FL)

I sent {$300.00} sent on XX/XX/20 to someone who changed her phone number and no longer using the account $ XXXX which is where the money went to. However, since her number was changed, she no longer had access to this account and was unable to cancel, or refund the money 's sent. The response I'm getting from the company " Cashapp by Square '' is that they're unable to cancel or refund any transactions that were complete. Problem is, the funds were never accepted, or completed by her because she didn't have access to the account, the phone number associated with it, or the phone. If the transaction hasn't been completed, they should be able to reverse it. I explained to the reps that the transaction was never completed on the other end and cancelled on my end, but they're refusing to assist me with recovering my funds that's just sitting there which has been drafted from my account. I continue to advise that the person receiving the funds was unable to accept and complete the transfer because she had no access to the phone, or account any longer.
Consumer complaint received 2023-04-14
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. (LA)

This is the several time I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

To Whom it may concern : I recently received a copy of my credit report. I am concerned about the accuracy of the information being reported. Please investigate the following accounts as I don't believe the information to be accurate. XXXX XXXX XXXX  XXXX # XXXX Please verify these accounts, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX # XXXX
Consumer complaint received 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I have reviewed my Consumer Reports and noticed that I had SEVERAL late payments on an account that has not been updated accurately. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. The late payments and past due balance reported of {$63000.00} for the account : XXXX : ACCOUNT # XXXX are not accurate. Please investigate and provide Proof with statements showing that these payments were late all late. This account is paid up and is not behind in payments. If proof can't be provided I request these payments to be updated as paid on time since the account is current. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX ACCOUNT # XXXX, has 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose Due to their inaccurate reporting, my credit report has suffered.
Consumer complaint received 2023-04-14
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)

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 willfully 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 ; XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXXXXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2021-08-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (MI)

I was using the cashapp to receive money from a guy that I sold a phone too. The guy sent the money and the Cashapp was supposedly holding it for 48 hours to make sure I sent it. I had to send a photo of the tracking information. I never received my money and was told by email through the cashapp that he the buyer was to send another payment of {$500.00} to be able to release my money and he did. But then they wanted me to go buy 5 {$100.00} XXXX XXXX cards and scratch of the back of them and send a photo to them. I didn't as I believe this is a scam and I went and stop the photo through usps to be returned to me.
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

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 willfully 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2015-09-24
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (CA)

I was signed up for a card security program on my credit card account that I did not authorize and my statement was sent electronically for months so I could not see the charges, dates or the payment due. When I called to get information and a copy of the statement I was informed the due date was changed and so I was being charged for late fees as well as the unauthorized card security program. I asked to speak to a supervisior to get all the information and see if some of the charges could be reversed and not only did she refuse to send me an itemized statement but she was offensive and at one point I was laughed at. This is XXXX abuse in my opion and I am done with Synchrony Bank.
Consumer complaint received 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have reviewed my Consumer Reports and noticed that I had SEVERAL late payments on an account that has not been updated accurately. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. The late payments and past due balance reported of {$63000.00} for the account : XXXX  : ACCOUNT # XXXX are not accurate. Please investigate and provide Proof with statements showing that these payments were late all late. This account is paid up and is not behind in payments. If proof can't be provided I request these payments to be updated as paid on time since the account is current. 

In accordance with the Fair Credit Reporting Act XXXX XXXX : ACCOUNT # XXXX, has 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose Due to their inaccurate reporting, my credit report has suffered.