davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-27
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: Experian Information Solutions Inc. (CA)

I am incredibly 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 completely unfair. I have tried several times to get these accounts removed. In addition to my information being exposed in XXXX and XXXX XXXX XXXX data breaches most recently, so I thought you all would protect my consumer report. I do not feel that my information is being protected. Most recently, I received mail from XXXX XXXX XXXX attempting to collect a debt owed to XXXX XXXX XXXX XXXX in the amount of {$10000.00} that does not belong to me! This is defamation of my character and 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 fair, and it's going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal for these companies to give people 's information away to 3rd party companies. This is damaging, neglectful, and fraudulent. 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 negative effecting my livelihood, and that of my family, putting us 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 2024-06-27
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: Experian Information Solutions Inc. (NC)

In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.
Consumer complaint received 2024-06-27
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: Experian Information Solutions Inc. (IN)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (AR)

XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XX/XX/year> Compliance Department Experian XXXX XXXX Re : Dispute of Inaccurate Credit Report Information Pursuant to XXXX XXXX XXXX 15 USC 6802 ) To Whom It May Concern, I am writing to dispute the accuracy of information in my credit report as provided by your agency, Experian/Equifax/TransUnion. This dispute is made under the provisions of the XXXX XXXXXXXX ( 15 USC 6802 ), which ensures the accuracy and integrity of my financial information. 
Name on Credit Report : XXXX XXXX Account Number : XXXX Date of Report : XX/XX/year> I have reviewed my credit report and found inaccurate information regarding my account with XXXX XXXXXXXX XXXX Specifically, the report states [ describe the specific inaccurate information, e.g., account balance, payment history, account status, etc. ]. 
Upon review of my records, I have confirmed that this information is incorrect. According to my records [ provide details supporting your claim, such as payment receipts, statements, or correspondence ]. 
Under the XXXX XXXX, I am requesting that [ Experian/XXXX ] conduct a thorough investigation into this matter and correct any inaccurate information on my credit report. Please investigate this dispute and provide me with the results in writing. 
Enclosed are copies of [ any supporting documents you have, such as payment receipts, account statements, or correspondence ]. These documents support my claim and demonstrate the accuracy of my account information. 
Furthermore, I request that any corrected information be sent to XXXX XXXXXXXX XXXX and to all other credit reporting agencies that have received this inaccurate information, as required by law. 
Please acknowledge receipt of this dispute within 30 days and inform me of the actions taken to investigate and correct the information. You can reach me at the above-listed contact information if you require any further details or clarification. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-06-23
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (PA)

I was the victim of identity theft wherein someone took out {$460.00} of debt with XXXX XXXX XXXX in my name. It was evidently sold off to Credence Resource Management LLC. They never once contacted me to verify my identity on the debt, never sent me a letter, etc. Instead this company sent this debt into collections and reported it to the credit reporting bureaus. My credit score has dropped XXXX points as a result of Credence aiding and abetting this fraud against me.
Consumer complaint received 2024-06-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

In accordance with the Fair Credit Reporting Act, this account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 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. Congress has limited the use of consumer reports to protect consumers privacy. All users must have a permissible purpose under the Fair Credit Reporting Act to obtain a consumer report. Section 604 contains a list of the permissible purposes under the law. ( FCRA sections in the U.S. Code, 15 U.S.C. 1681 et seq. ) Examples of things that are not permissible include curiosity, litigation in connection with attempts to collect a debt, marketing, or criminal sanctions. If a user takes any type of adverse action as defined by the FCRA that is based at least in part on information contained in a consumer report, Section 615 ( a ) of the FCRA requires the user to notify the consumer. The notification may be done in writing, orally, or by electronic means. The term " adverse action '' is defined very broadly by Section 603 of the FCRA. Adverse actions include all business, credit, and employment actions affecting consumers that can be considered to have a negative impact as defined by FCRA 15 U.S.C. 1681 et seq. : Section 603 ( k ). This includes denying or canceling credit or insurance, denying employment or promotion, denying a rental application, increasing a security deposit or rent, or requiring more restrictive lease terms because of a report. No adverse action occurs in a credit transaction where the creditor makes a counteroffer that is accepted by the consumer.
Consumer complaint received 2024-06-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Coast to Coast Financial Solutions, Inc. (CA)

XX/XX/XXXX amount {$520.00} the company list this debt as a collection on my credit. I've never had nor applied for credit with this company. I requested proof of the debt via application and or my signature.
Consumer complaint received 2024-10-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO. (MA)

Twice I contacted Chase Freedom Credit card services. Once by private message and once over the phone. A transaction for {$130.00} was removed after I paid my balance and I was not credited the {$130.00} by Chase. The charge was just gone. There was no record of the charge several weeks later. They have been using their command software to remove charges, edit my statement balances month to month. They have completely wiped disputes on my credit card statements in some vain attempt to hide illegal account manipulations. They have done this without my knowledge or permission. I have been over billed by Chase Freedom on several occasions by them editing and increasing my statement balance. 

The attached photo shows a charge that I paid myself through the credit card statement balance 7 days after the original charge. I bought the item on XX/XX/year>, and I paid my credit cards statement balance on XX/XX/year>. Over a month later the charge was wiped from my statement and I never received the item or the {$130.00} credit.
Consumer complaint received 2022-06-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc. (PA)

In short, Cash App says they issued a refund through an Electronic Funds Transfer - Date and Time : XX/XX/22 at XXXX PDT - Amount : {$200.00} - Sent to a card ending in : XXXX I talked to my Credit Union XXXX XXXX XXXX XXXX XXXX XXXX XXXX several times and they said the EFT was never received so they will not open a case to investigate the issue. In other words, both Cash App and XXXX XXXX XXXX XXXX XXXX are refusing to do anything to resolve the issue and I am out {$200.00}. I attached emails to and from Cash App to document the issue. I am unable to provide the name of more than one company in this complaint so I included Cash App. It seems reasonable to expect that XXXX XXXX XXXX XXXX XXXX can be more helpful in resolving the situation. Please let me know if you want that account number. 

This is the 3rd time I submitted this same complaint and it has been closed twice because, " Some of the data provided indicates that someone other than you may have submitted the complaint. I called several times and spoke to a supervisor who said there is no way to know what the issue is and to file a third time. I have contacted the CFPB Ombudsman regarding this issue.
Consumer complaint received 2022-07-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Block, Inc. (OH)

I had a Cash App account that I couldnt access due to not having the email or phone number associated with that account. So I called customer service and explained to them that I had refunds still coming into the account so I needed to be able to access this account to transfer the money once it was refunded to the account. The Cash App employee closed my account it has {$170.00} that they are refusing to transfer to my new account or give me the money in a check. I have provided them ID, all the account information, and now they are saying they will send my money to the unlaimed funds department for the XXXX XXXX XXXX  I have a reference # to track the refunds and they are still refusing to help me when their employee closed the account without my permission. The bank who issues Cash App cards is XXXX XXXX  and they wont return a call or help me at all either. I need my money please. 
Old Cash App tag XXXX XXXX New Cash App tag XXXX XXXXXXXX Refrenence # XXXX
Consumer complaint received 2023-10-03
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. (FL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-06-27
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. (NV)

took a look at my credit file XX/XX/XXXX, noticed things that were incorrect & not accurate I sent letters to XXXX credit breaus on XX/XX/XXXX & asked them to investigate the completeness & accuracy .There breaking the law 15 USC 1681e ( b ) ACCORDING TO 15 USC 1681 ( 5 ) IT STATES THE ( 5 ) treatment of in inaccurate or unverified information ( A ) in general if after reinvestigation under paragraph ( 1 ) of any information disputed by consumer, an item of the information is found to be inaccurate or incomplete
Consumer complaint received 2024-06-27
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: Experian Information Solutions Inc. (IN)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2022-07-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Block, Inc. (NM)

XX/XX/22 at XXXX XXXX  for {$240.00} I had money in my cash app account that I wanted to transfer over to debit card. When I transferred it was to an old closed bank account. So I contacted cashapp they said they could cancel to wait for bank to send it back so I waited. Nothing was deposited back. So I went to the bank they gave me a sheet with the rejected amount I forwarded it to cashapp they denied it and closed my case and said the bank recieved the funds but bank said no that it was rejected. Ive been trying to get an answer from cash app saying I needed more evidence. Closed my case about 4 times. I still have not recieved my money.
Consumer complaint received 2024-06-27
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. (FL)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-08-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SOFI TECHNOLOGIES, INC. (CA)

On Friday, XX/XX/year>, I discovered multiple unauthorized charges on my SoFi Checking account, totaling {$3600.00}. I immediately reported these transactions to SoFi on the same day. When I followed up on Tuesday, XX/XX/year>, to inquire about the status of my dispute, I was informed that the claim had been denied on the grounds that no error occurred. 

Given the timeline, it is highly unlikely that SoFi conducted a thorough investigation of my dispute within just three days, leading to the conclusion that no error took place. It appears that my dispute was dismissed without a comprehensive review of the fraudulent activity. As a result, {$3600.00} of my hard-earned money remains unaccounted for.

I am requesting that SoFi reexamines this matter with the diligence it deserves to ensure a fair and accurate resolution.
Consumer complaint received 2022-07-05
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (AR)

I have a had a cash app account prepaid and somehow a person added themselves to my account that I do not know transactions were made that I did not approve and cash app closed my account after me asking them about whomever it was it was added to my account and now they are saying I'm disputing the charges and taking money out of people 's accounts that I sent it to I tried resolving the problem with cash app because it was unauthorized activity on my card as well as unauthorized people on my account that I do not know and furthermore I'm having to deal with family members and whatnot who I paid or loan money to where I owed money for babysitting too having money taken directly out of their account that I sent them and I don't know how that's even possibly legal.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CarMax, Inc. (PA)

The financial institution disclosed my nonpublic personal information to a nonaffiliated third party without providing me with the required disclosures regarding the sharing of my nonpublic personal information, which would have allowed me to exercise my right to opt out of the disclosure.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to dispute inaccurate information that appears on my credit report. I am exercising my right to dispute this information under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ).

The following item on my credit report is incorrect and I request that you investigate and remove it : Creditor Name : [ XXXX XXXX Bank ] Account Number : [ XXXX ] Reported Late Payment Date : [ XX/XX/year> ] This late payment report is inaccurate because the payment in question was never actually late. The issue arose due to a dispute regarding an escrow account payment, which was charged unfairly for a reported lapse in our insurance policy. We were actively disputing this charge at the time, as we had continuous insurance coverage and believe the reported lapse was an error. 
During this dispute process, we continued to make our regular mortgage payments on time. Unfortunately, it seems the disputed escrow amount was incorrectly flagged as a late payment. 
I request that you investigate this matter and remove the erroneous late payment report from my credit history. If you are unable to verify the accuracy of this information, it should be promptly deleted from my credit report as required by the FCRA. 
Please provide me with the results of your investigation within 30 days, as required by the FCRA. If you find that this information is indeed inaccurate, please send me an updated copy of my credit report. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2023-11-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NY)

I hope this letter finds you well. I am writing to address a matter of utmost importance regarding my credit report. Upon reviewing my credit report, I have identified several unauthorized accounts that have negatively impacted my creditworthiness. I strongly believe that these accounts are the result of identity theft and require immediate attention and resolutionXXXX XXXX XXXX XXXX I want to clarify that I have not initiated or authorized these accounts in any way. These accounts have been fraudulently opened without my consent or knowledge. To address this issue, I have taken the necessary steps to report the suspected identity theft to the relevant authorities, including filing a report with the [ Name of Local Law Enforcement Agency ] and the Federal Trade Commission ( FTC ). I have also attached a copy of the Identity Theft Report filed with the FTC for your reference.
Consumer complaint received 2022-06-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (CO)

For the last XXXX months, despite several efforts and trying to communicate with CashApp, I have had CashApp customers calling me regarding fraudulent charges to their Cash cards. 

My online store is called XXXX. The fake merchant is using a similar name, " XXXX XXXX XXXX XXXX  '' to create fraudulent charges, so because my physical address is XXXX, XXXX, when people XXXX " XXXX XXXX XXXX XXXX  '' they are coming across my business, contacting me, and requesting their money to be reimbursed. 

CashApp obviously has a security breach because one customer canceled his card, received a new one, and the infamous " XXXX XXXX XXXX XXXX  '' struck yet again. CashApp is not protecting their customers ' privacy, and there has been absolutely no resolve because CashApp continues to allow this fake merchant to process payments. Surely there is a merchant account connected to this fake merchant, so the fake merchant should have been tracked by now. 

I am asking for your assistance with this matter because, as a small ecommerce business owner, this is taking time away from my full time job as well as taking concentration away from my online store and smearing my business name.