davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (TN)

Cash app Complaint number : XXXX ( Screen record of a XXXX $ transfer attached to show exactly what XXXX  app did and the notifications given and not given for verification of complaint below. ) XX/XX/XXXX I set up a transfer of XXXX from my XXXXp account to my XXXX XXXX Bank Account XXXX My XXXX XXXX bank account & routing number were imputed earlier for transfer. Notice window popped up and said it would take a few days to complete transfer for no fee. Next window popped up and said for a XXXX $ fee they could instantly complete transfer to my XXXX Bank account for XXXX $ fee. I clicked the button to pay the fee and have funds transferred instantly and next window popped up and said " Your transfer to your Regions Account is XXXX. ''?????? Regions? I had a regions debit card on file with cashapp but I authorized transfer to XXXX XXXX Bank XXXX I called cash app twice and requested a refund of my XXXX $ for the transfer fee and let them know they did an unauthorized transfer since I did not agree to transfer to regions account. Twice I was put on hold and then told they would not refund the XXXX XXXX They said they sent it to my regions account since that was the debit card they had on file. Once again I told them I didn't authorize money being sent to that account, told them their app said XXXX $ complete transfer to XXXX Bank and they had my account and routing info on file. They informed me that they sent it to Regions account since the didn't have XXXX XXXX debit card on file and they had the Regions debit card info. The Cash app did not prompt me to add a Stride / chime debt card to complete transfer. They just did it without permission, told me oh well their was nothing they can do and would not refund my XXXX $ transfer fee and XXXX guy even just hung up on me. I would have added my Stride /chime card if prompted happily. However for a XXXX to transfer money to a account I didn't agree to " cuz that the card we had on file. '' Is not ok. Let alone charge me for the transfer and then tell me I'm out of luck is arrogant, dismissive and it seems pretty illegal. If it's not illegal, who do I call because it's a issue. I trusted them with my funds. 

XXXX XXXX  Complaint number : XXXX
Consumer complaint received 2024-07-15
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: First Technology Federal Credit Union (CA)

Received three alerts on Friday XX/XX/year> that there were three hard inquiries on my credit file from XXXX XXXX XXXX First Tech FCUXXXX XXXX XXXX XXXX and when I checked my credit file, I saw all three and I also saw another fraudulent/identity theft inquiry from XXXX XXXX XXXX XXXX After seeing the email of the unauthorized credit pulls, I immediately reached out to file a fraud alert on all my accounts.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My account with ( XXXX 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 ( MONTHS REPORTING LATE ) 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 XXXX 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
Consumer complaint received 2024-07-21
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P. (OH)

Last year, I signed up with XXXX for XXXX high-end tXXXX  and a service. What I received was XXXX inferior pXXXX. I immediately canceled the contracts and sentophones back. Did not activate either phone I never received any bill. Are you any email or any phone call telling me that I owed A bill on XX/XX/XXXX of this year, I was placed on my credit report. I was in collections for {$64.00} for XXXX. I call XXXX and I was told that it would take up to 90 days to resolve the dispute and get it removed from my credit report. Or I could go ahead and pay the {$64.00}. And it would be immediately removed from my credit report and I would get a refund within 90 days of the {$64.00}. I will get a phone call within XXXX to XXXX hours. It will be cleared on my credit report and I would be issued the. Refund since I was trying to get a mortgage for a home. I agreed to pay the {$64.00}. With the understanding, it would be refunded within XXXX hours and it will be removed from my credit report. I heard nothing back. I called today after 2 weeks and it was explained to me that even though I never use our service never activated the phones that I was charged one month for a plan I did not use when I asked why I was never notified of this. They had no answer. They also refused to give me any account number. Whatsoever. So I get file a dispute with this. These people are crooks. They also said it would not be removed by XXXX report because it went into collections. Even though I don't know the bill, it's a fraudulent charge and I was never notified that I owed them any money. It was up to me to notify the creditors. I never activated the phone.Never used our service and certainly and not responsible for any plan.Debt as they claim I owe
Consumer complaint received 2024-07-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

My walllet was stolen in the year 2022. The suspect was arrested and was found to have had atm cards in my name. As well as the suspect rented a car from Enterprise Rental. A private investigator reached out to me being the reason how I found about about the rental car. Later, over one year later I tried opening a new back account with several different banks and kept getting denied. I pulled my credit report from check systems and there was only one accurate report on file for me from XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-07-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Continental Finance Company, LLC (FL)

I noticed that there was a late payment on my credit report that was 30 days late in which I never meant for that payment to escalate to that point, I have been unemployed for quite sometime, I have been homeless without a car, a place to live, nor food to eat and I have asked for help in any way that I could without success. I have explained in the late payment letter that I would not be able to get a place, a job, nor car if this Goodwill Courtesy is NOT granted and I have knowledge about how credit reporting works as I worked in the line of business previously. However, I have NEVER paid late, my income has been under the table having done odd jobs for people and I do not have a W-2 as the amounts vary from time to time. I am asking this as a one-time courtesy as I plan to pay on-time and I am hoping to have steady income soon. I have been on my own since I was XXXX XXXX XXXX, I have been in and out of various group homes, etc. I have been evicted from my home and had my vehicle repossessed due to lack of income. I am asking that this late payment be removed from the attached credit report and also removed from the other two as well ( If it has not been already reported. I have not had steady employment since XX/XX/year> and I have been trying to find a job. The only income I receive is food stamps and that barely gets me through. I have been denied unemployment benefits, no help from anyone and all of the resources I contacted require me to have employment as the help would only be temporary.
Consumer complaint received 2024-07-25
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. (NC)

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. 

Account name : XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX Account XXXX XXXX Account name : XXXX XXXX XXXX.- Account XXXX XXXX Account name : XXXX XXXX.- Account # XXXX Account XXXX XXXX XXXX XXXX XXXX.- Account # XXXX Account name XXXX XXXX Account # XXXX Account name : XXXX XXXX.- Account # XXXX Account name : XXXX  XXXX. 

Account name : XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX, Has violated my rights. 

I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681.

And according to 15 USC 1681 they are supposed to do this. Treatment of inaccurate or unverifiable information.

In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file for the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer, And according to 15 USC 1681 they are supposed to 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.
Consumer complaint received 2024-07-22
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: MoneyLion Inc. (MI)

I sent a cashiers check to money lion in the amount of {$940.00} XXXX thought it was lost in the mail so I was waiting the 90 days to get a new cashiers check issued. In the meantime I paid off my loan in full with other money. I call back the bank to start the issusance of a new check and they stated money lion in fact cashed my check XX/XX/year> and sent me proof. After many calls to the company. I was told my check is still pending and no explanation as to why. It was XX/XX/XXXX this is now a month and a half and Im told the pending check still isnt approved. I over paid them {$940.00}. Please help me get a refund.
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (FL)

This Citi bank card appears in my credit reports, specifically in XXXX. I've called the bank and the credit buros, several times, but no ones helps me. I've requested documents and never gets them. The card is from 2016, and appears as a XXXX XXXX in my report. The account ends in XXXX.
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NCB Management Services Inc. (SC)

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. I told the XXXX, XXXX, and XXXX to reinvestigate these accounts : Account name : NCB management service # XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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 a account without my written instructions 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. Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case
Consumer complaint received 2024-07-22
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. (SC)

unfortunately, I am a victim of XXXX XXXX XXXX Debt XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Consumer complaint received 2024-07-22
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (MD)

In the month of XXXX as a graduation gift, I received an AMEX gift card with a balance of {$100.00} on it. I didnt attempt to use the gift card until XX/XX/year>. On XX/XX/year> I attempted to use the AMEX gift card to refill my XXXX gift card balance but after three failed attempts because XXXX wouldnt accept it ( each attempt it would remove XXXX cents from the gift card balance ) i decided to try and purchase items from my XXXX cart. The total of the cart ended up being {$100.00} which I put the gift card down as a debit card for the payment and the XXXX dollar amount was covered from my XXXX gift card balance that I already had, the payment went through according to XXXX. As of XX/XX/year> XXXX emailed saying the payment was failed and I must replace the payment method. When I attempted to call the AMEX gift card number to try and check my balance the number said that the gift card no longer worked and the balance was no longer available.
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (TN)

XXXX XXXX XXXX Consumer ID # XXXX XXXX ID # XXXX XXXX XXXX XXXX XXXX TN XXXX Early Warning Services LLC XXXX XXXX XXXX XXXX XXXX, AZ XXXX Im writing to do an investigation on the following information on my consumer report. I have never opened or used these following account number as for my information has been exposed to XXXX data breach and XXXX XXXX XXXX data breach. 
Bank : XXXX XXXX XXXX. Date opened : XX/XX/XXXX Account # XXXX Routing # XXXX Bank : XXXX XXXX. Date opened XX/XX/XXXX Account # XXXX Routing # XXXX Bank XXXX XXXX. Date opened : XX/XX/XXXX Account # XXXX Routing # XXXX I dont recognize the accounts in question. I am a victim of identity theft and I dont recognize these accounts on my consumer report. I request the following information be deleted from my Early Warning Services Consumer report immediately and I attached a copy of the report to go with this complaint.
Consumer complaint received 2024-07-20
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL (FL)

On XX/XX/year> I purchased a XXXX patio sectional couch from XXXX using XXXX XXXX store XXXX offered by synchrony bank. I paid a total of {$380.00}. XXXX uploaded tracking information from XXXX XXXX. The tracking information provided by XXXX XXXX XXXX XXXX showed final delivery in XXXX XXXX XXXX. My delivery address is in XXXX and I have no association with XXXX XXXX. When I contacted XXXX they told me I had to wait 90 days to see if it arrived later. After 90 days and no refund I was instructed by XXXX to file a police report. I was told by my local police department that it was a civil matter and that no crime had been committed. When contacting XXXX store card with the relevant information to dispute the charge I I'm always told they will investigate but they never get back to me. 

Tracking clearly shows that the item was not delivered to me. XXXX nor XXXX store card have been able to provide any evidence contrary. 

XXXX XXXX card has charged me {$480.00} in late fees and interest associated with this charge while it has been in dispute.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

I have provided all four pieces of information and expect these listed accounts to be deleted and blocked within four business days of your receipt of this notice ; otherwise, you are in violation of my rights under the FCRA once again! If you do not initiate an investigation regarding my dispute and delete this information within 4 business days of receiving this notice per 15 USC 1681c-2, as is my right under the FCRA, I will have to take legal action to protect my credit rating and myself. Each violation of the FCRA allows for damages of {$1000.00} should this matter be brought to court. 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) essentially states that if a person willfully violates any requirement of the FCRA with respect to a consumer, they are liable to that consumer for any actual damages suffered as a result. If actual damages can not be determined, the consumer can still receive statutory damages ranging from {$100.00} to {$1000.00}. This provision ensures that consumers are protected and have recourse if their rights under the FCRA are willfully violated.
Consumer complaint received 2024-08-07
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. (CA)

XXXX XXXX XXXX, XXXX, XX/XX/XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX 2022 under the account number XXXX, a personal loan account opened at XXXX XXXX on XX/XX/XXXX2022 under the account number XXXX, a personal credit card account opened at XXXX XXXX on XX/XX/XXXX2024 under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.