davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (VA)

{$5500.00} was hacked out of my XXXX XXXX XXXX account through cashapp on XX/XX/19 at around XXXX. I had {$47.00} dollars on my cashapp account and that was sent to my bank than they withdrew {$3000.00} dollars and then another {$2500.00}. They used these funds to purchase XXXX and then sold the XXXX the very next day. They then sent the funds to a XXXX XXXX XXXX XXXX account. I contacted cashapp multiple times and have yet to receive a response. I filed claims with my bank and they do not believe me. I have but no choice but to submit a claim here. If any additional information is needed please feel free to contact me.
Consumer complaint received 2021-08-03
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. (AL)

EXPERIAN you continue to break FEDERAL LAW!! You are lying saying you verified something when you have not. I've verified with everybody who you can verify with, and I will not let this go on any longer. After this, I will no longer go back and forth with your negligence to comply with the laws you are breaking. I will file a FEDERAL COMPLAINT with the United States if this issue doesn't get resolved this time. Since XXXX I have been disputing with proof that bankruptcies you keep saying are verified without proof is not accurate. I demand as the Orginal Creditor/Natural person these accounts US BKPT CT AL XXXX XXXX and XXXX be removed immediately. I will seek remedy if this doesn't get taken care of this time because pursuant to 15 U.S.C 1681a ( 4 ) I have a right to privacy and you are breaking that law. According to 15 U.S.C 1681a ( 2 ) ( i ) report containing information solely as to experience is to be excluded from my consumer report, you are breaking the law. Pursuant to 15 U.S.C 1681a ( k ) this is also adverse to the interest of the consumer, you are breaking the law. 

THIS IS CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE. I will not go back and forth after this.
Consumer complaint received 2021-08-02
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MS)

I have been disputing this account since XX/XX/2021 and each time this credit bureau has said this account is 'verified '. I then disputed directly with the company and they were not able to provide me with any documentation for the account listed on my credit reports. If they can not verify this account with me, there is no way they could have verified this with the credit bureau. I'm convinced no true investigation occurred and demand a deletion ASAP. 

Please DO NOT mark this complaint as a dispute. IT'S NOT. It is a complaint with a demand for deletion based on an account not being able to be verified as 100 % accurate, complete, and timely.
Consumer complaint received 2024-10-07
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: CAPITAL ONE FINANCIAL CORPORATION (AL)

I am writing to express my concern regarding the disputed accounts that continue to appear on my credit report. On multiple occasions, I have submitted disputes concerning inaccuracies in these accounts and have requested that they be thoroughly investigated. Unfortunately, despite my efforts, no resolution or corrective action has been taken, and the inaccuracies persist. 

These erroneous accounts are having a significant negative impact on my credit file, leading to financial hardships that have severely affected my ability to live a normal life. I kindly request that your agency conduct a comprehensive investigation into the reporting of each disputed account and take the necessary steps to update and rectify my credit report. 

It is crucial that this matter is addressed promptly. I ask that you ensure the accuracy and integrity of my credit file and that the required corrections are made without further delay. The resolution of this issue is of the utmost importance to me, and your swift action would be greatly appreciated. 

I look forward to receiving confirmation that the investigation has been initiated and that the disputed accounts will be corrected. Thank you in advance for your understanding and assistance in resolving this matter.
Consumer complaint received 2021-08-02
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC. (PA)

I have a loan with DPT ED/NAVI. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a terrific payment record with this company. I tried contacting the XXXX  Credit Bureau with no successful resolution. There was definitely an error on their part. Investigate thoroughly and please update for 100 % accuracy. Below are the following accounts with erroneous information.

DPT ED/NAVI-XXXX-Balance : {$0.00} - Date Opened : XX/XX/XXXX DPT ED/NAVI-XXXX-Balance : {$0.00} - Date Opened : XX/XX/XXXX DPT ED/NAVI-XXXX-Balance : {$0.00} - Date Opened : XX/XX/XXXX DPT ED/NAVI-XXXX-Balance : {$0.00} - Date Opened : XX/XX/XXXX DPT ED/NAVI-XXXX-Balance : {$0.00} - Date Opened : XX/XX/XXXX DPT ED/NAVI-XXXX-Balance : {$0.00} - Date Opened : XX/XX/XXXX DPT ED/NAVI-XXXX-Balance : {$0.00} - Date Opened : XX/XX/XXXX DPT ED/NAVI-XXXX-Balance : {$0.00} - Date Opened : XX/XX/XXXX DPT ED/NAVI-XXXX-Balance : {$0.00} - Date Opened : XX/XX/XXXX DPT ED/NAVI-XXXX-Balance : {$0.00} - Date Opened : XX/XX/XXXX DPT ED/NAVI-XXXX-Balance : {$0.00} - Date Opened : XX/XX/XXXX DPT ED/NAVI-XXXX-Balance : {$0.00} - Date Opened : XX/XX/XXXX DPT ED/NAVI-XXXX-Balance : {$0.00} - Date Opened : XX/XX/XXXX DPT ED/NAVI-XXXX-Balance : {$0.00} - Date Opened : XX/XX/XXXX DPT ED/NAVI-XXXX-Balance : {$0.00} - Date Opened : XX/XX/XXXX DPT ED/NAVI-XXXX-Balance : {$0.00} - Date Opened : XX/XX/XXXX
Consumer complaint received 2021-08-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P. (GA)

On XX/XX/2021, I sent a letter to Southwest Credit to provide me legal documentation for this alleged debt. I am not liable for this debt with XXXX  and I do not have a contract with SouthWest Credit. In addition, they did not provide me with the legal documentation and the signed original application like I asked them. They sent me a basic letter dated XX/XX/2021, with verification not validation, and fail to provide me with the original application. In addition, they never sent me. a dunning letter in the first place. Therefore, they need to delete this account from my credit reports
Consumer complaint received 2021-08-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Bureau of America Ltd. (MD)

I sent letters to XXXX and XXXX credit bureaus the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means XXXX and XXXX have NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report.
Consumer complaint received 2019-09-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (MO)

First I would like to thank you for your time. On XX/XX/19 @ XXXX XXXX  I sent my friend some money through cash app. {$190.00} dollars to be exact. She couldn't access her old account due to getting a new number. She tried making a new name and getting it through a different cash app. Cash app has no number to where you can contact them. She emailed them, they emailed her back telling her how she could access the account, that still didn't work. I then emailed them and told them what happened. They didn't contact me until the next day. They gave us all these resolutions that would supposedly help us get the money back, but none of them worked. My sister was the one who sent the money, so I told her to dispute it with her bank. She then said her bank told her to go through cash app and see if she could get the money back. She also reached out to cash app and they told her I should contact them. In the mean time the then told me that it was sent back to my account. But I had made a new name as well. They said the money was sent back and to make sure my bank accounts were linked. my bank accounts have always been linked and so has my friends. To sum it all up, I haven't heard back from cash app and I have been emailing them since the day started. It is now XX/XX/19 and I have yet to hear from them or receive my money. please help me out anyway that you can because this is unacceptable. Thank you very much, XXXX XXXX.
Consumer complaint received 2021-08-03
Product: Credit reporting, credit repair services, 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. (NC)

I contacted each company about multiple inquiries and all said to call credit reporting company. some said they have no record of my information in system XX/XX/2021 I contacted XXXX  and they told me to file ftc report and they would remove unauthorized inquiries.
Consumer complaint received 2021-08-03
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) and as well as 15 USC 1666 ( b ) the former was reporting inquiries without my permission and the latter was truth and lending act and finally some misinformation like my name, address, and employer to my credit report. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Consumer complaint received 2021-08-02
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. (CA)

I have paid credit repair agencies for years and have contacted experian XXXX  and XXXX  myself and always an auto-generated letter is sent back without ever validating that this is not mine. I have sent police report and letters and so much different verifying documents and all that is returned is that it was not food enough information. Multiple accounts are not mine multiple inquiries are not mine, myself and my family have had to suffer in so many different ways because of this.
Consumer complaint received 2021-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (WV)

Equifax Workforce Solutions ( The Work Number ) fails to send full disclosure report after multiple requests. The Work Number fails to send the report and repeatedly continues to request identification and proof of address, despite that information being sent with each request. Summary of requests : XX/XX/21 via standard mail requesting a full disclosure report - I included high resolution copies of state ID, passport, and a utility bill. I received a request for id and proof of address dated XX/XX/21. On XX/XX/21 I mailed, via certified mail bearing tracking XXXX requesting full disclosure report - again I included high-resolution copies of ID, passport and electric bill. Their response was to send yet another request for ID and proof of address dated XX/XX/21. These companies hold an enormous amount of power over consumers ; It is not unreasonable for consumers to expect their responses to be timely, unambiguous and accurate.
Consumer complaint received 2021-07-27
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. (UT)

XXXX XXXX XXXX is reporting erroneously on my credit file. I had an account with them that was included in my Bankruptcy that was discharged. They are still currently updating on my credit file and that is against the Bankruptcy Stay. I need this account to be removed from my credit file. It is erroneous and has been consistently dropping my credit score.
Consumer complaint received 2021-08-02
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

Last month i sent out some documents to TransUnion, XXXX  and XXXX credit reporting agency about a late payment that saw on my credit report. I submitted all the right documentation to use the CARES ACT to show that the alleged late payment should not be counted against me since i was affected negatively by the pandemic. The pandemic has hurt alot of us and the Cares Act is in place to help us ease the suffering especially financially. Please help me bc it doesn't sound like they will honor the cares act I called in and they refused to validate and remove the other late payment. The account is open and in good standing at the moment but they will not honor the CARES ACT here. Please help this is causing me stress and severely hurting my credit.
Consumer complaint received 2021-08-02
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Exeter Finance, LLC. (NY)

EXETER FINANCE is report account as current and also as I charge off/collection account how can an account be current and a charge off. also reporting different open dates and last date of payment. this company is reporting inaccurate Information and hurting my credit rating PLEASE REMOVE ACCOUNT IMMEDIATELY
Consumer complaint received 2021-08-03
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: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.
Consumer complaint received 2021-08-03
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO Bank, N.A. (IL)

They failed to honor the {$5.00} reward for every each month I deposit {$200.00} into my saving now they owe me {$10.00},,,, This is the false advertisement.I opened this account online, I passed all the verification and credit check procedures and passed
Consumer complaint received 2024-08-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I find it extremely unfair that I am being subjected to such actions without any prior warning or opportunity to address any potential misunderstandings. 

This situation is not only distressing but also damaging to my reputation. I kindly request an immediate review of my account and a prompt rectification of this error.
Consumer complaint received 2021-08-03
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: ENCORE CAPITAL GROUP INC. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2021-08-02
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. (FL)

I have contacted the credit bureaus on XXXX in regards to reinvestigating the accounts that are being reported on my credit profile because they sent my a generic answer " verified ''. Under the FRCA section 609, ( a ) 1 ( A ) by law to verify the method of verification, through the physical verification of the original signed contract and all other forms, and if they can't provide these items, it must be removed. The credit bureaus has not provided me the information that I have requested. Also they are also violating my rights as a consumer under 15 U.S. Code 1692g, they were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.
Consumer complaint received 2021-08-02
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: JPMORGAN CHASE & CO. (CA)

I authorized a charge on my United Visa card based on a merchant 's promise of a " money Back Guarantee ''. When I tried to exercise that guarantee, the merchant reneged on the offer. I filed a dispute with Chase Credit Card. on XX/XX/XXXX, I received a letter with documentation from the merchant telling me I can respond. I called and was told I had 30 days but sent my response along with proof of the " money back '' offer within 5 working days. I was told that Chase does not have a set time from responses and the charge was reinstated. That is a conflict to the agreement where is states Consumer protection against fraud. How can there be consumer protection when the consumer is not allowed to present proof of the fraud?
Consumer complaint received 2021-08-03
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. (NY)

Related to NYS Attorney General File # XXXX attached XXXX XX/XX/XXXX communication stated : our records indicate that on or about XX/XX/XXXX, Mr. XXXX accepted our offer of an exchange for his phone Related to # s XXXX and XXXX, Consumer Financial Protection Bureau communicated : STATUS Company response is in progress as of XX/XX/XXXX. 

XX/XX/XXXX and XX/XX/XXXX follow-up resolving texts were received from XXXX, # XXXX : " Hello Mr. XXXX, This is XXXX with XXXX XXXX XXXX XXXX. We will be reaching out to offer you a refund due to the time it has taken to get a device in stock. What is a good contact # and time for us to go ahead and reach out to get the process started? Background : 4 months past, the initial communication from XXXX was XX/XX/XXXX : Good Morning this is XXXX the supervisor of the XXXX XXXX XXXX XXXXHere is your ticket # : XXXX. 

XXXX XXXX XXXX XXXX XX/XX/XXXX, attached letter advised : still investigating your dispute claim. 

XXXX supervisor XXXX refund offer was accepted, never an exchange as XXXX XX/XX/XXXX mischievously reported to and by NYS Attorney General. The scope, confusing and credit score negative impact of XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, credit bureau reporting is attached ; XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, Credit Bureau Reporting. 

4 transactions are detailed in attached PURCHASE of XXXX XXXX XXXX XXXX XXXX and RETURN of XXXX XXXX  XXXX. The XX/XX/XXXX and XXXX, XXXX refund of the XXXX XXXX XXXX XXXX purchase ( 1 ), XXXX  XXXX return ( 4 ) and 2 other related transactions ( 2 and 3 ), as evidenced in attached, remains awaited. 

Please confirm the transaction order of the XXXX supervisor XXXX refund to be 4, 3, 1 and 2. 

Reply, reflecting XX/XX/XXXX and XX/XX/XXXX promised XXXX refund, from XXXX XXXX XXXX XXXX XX/XX/XXXX letter also remains awaited. 

Confirmation is awaited from XXXX  and TransUnion that they will not be willing maligned participants in the XXXX XXXX XXXX XXXX XXXX mischief as they did to my burdensome XXXX fraud hurt ( XXXX XXXX account # XXXX XXXX XXXX ), re : attached ACTIVITY ON XXXX  AS REPORTED BY XXXX  XX/XX/XXXX to XXXX XXXX. 

XXXX  chose avoidance of the XXXX fraud. Confirmation is awaited from XXXX  that they will not be willing participants in the XXXX XXXX XXXX XXXX XXXX mischief.
Consumer complaint received 2019-09-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (CA)

XXXX XXXX my mom sent me {$100.00} on cash app, my name that I go by is XXXX XXXX but when I tried to log in to that account it said it was unavailable. Previously I lost my debit card aswell that was attached to that account. So I made up a new cash app which is XXXX XXXX and my funds are not on my account. My phone number is+XXXX I need my money. I contacted cash app 3 days ago and they never emailed me back. I used the same email for both of my cash app so what is the problem? I need my money and cash app is not doing nothing About it. Please help.