davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CBC Companies, Inc. (CA)

This is clearly as water. Thank you CFPB for bringing this awesome evidence to light despite the lies that XXXX XXXX  was telling consumers who, like been saying for years ( this is A fraudulent account that magically appeared on my consumer report. I had told XXXX XXXX and made them aware of this fraudulent account yet they continue to harm my life by ignoring what i have been barking at XXXX XXXX  fraud department which i now know is being handled by clerks that were told to ignore any Fraudulent investigation into this credit account. Now I Know why XXXX XXXX was determine to flex and intimidate me into trying to make me believe that they were investigating this fraud account when they never did. CFPB this data furnisher is liable under the Fair credit reporting act ( FCRA ) under section 623 .Responsibilities of furnishers of information to consumer reporting agencies. a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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.
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act, Account - XXXX XXXX  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 instructions.
Consumer complaint received 2024-10-09
Product: Credit 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: GOLDMAN SACHS BANK USA (FL)

Someone charged multiple charges XXXX XXXX on my Apple Credit Card by Goldman Sachs, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX accounts for XXXX XXXX. XXXX is a game and the XXXX are the game 's " money '' you can purchase for in app purchases. XXXX, XXXX XXXX XXXX XXXX XXXXXXXX and XXXX all reimbursed/dismissed the charges for the disputes I made on those charges. The Apple Credit Card by Goldman Sachs has refused to dismiss those charges each time I have disputed the charges. These charges were around {$3000.00} on my Apple Credit Card that I did not authorize. I have disputed the charges 2-3 times over the past several months and each time they come back and state, " We further investigated the dispute and reviewed any additional information that may have been provided. Based on our review, the original decision will remain because there is no evidence to substantiate the claim ''. They did ask me for more information once and I did provide some unauthorized transactions that were dismissed from XXXX. I do not know what more they want from me to prove I did not make these purchases. I did not authorize these charges. I did not make these charges. I do not understand why, if they needed more information, they have not contacted me to provide it. I do not understand why they insist their investigation comes up with the charges remaining. What investigation did they do? They never state how they investigated the situation. I have informed them that all of the other accounts that were affected have dismissed those charges and I was not responsible for them but they continue to keep those charges on my account. I do not know what more I can do to have those charges dismissed. I have emailed XXXX several times in regards to these unauthorized charges and they reported to me that I needed to contact my involved financial institutions which I did, including my Apple Credit Card. I did not make these charges and I would like for them to be dismissed off of my credit card.
Consumer complaint received 2024-09-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc. (CA)

My federal loan was switched over from XXXX to Aidvantage. My loan monthly payment was {$300.00} with XXXX, but Aidvantage is now charging me over XXXX XXXX XXXX XXXX I called to ask why theres such a huge discrepancy and they said the payment plan I was in with XXXX, is not a payment plan that they currently offer. I was on the SAVE plan, but Aidvantage insists I was not. They charged me {$2000.00} on XX/XX/scrub>XXXX returned the money into my account a day later, and charged me the same amount again on XXXXXX/XX/year>. They currently put a forbearance on my account because I can not afford the current monthly payment and reported to me that about {$1000.00} of interest will accrue a month until I can figure it out. They told me I can submit an application for the SAVE plan but all applicants will be put on hold and will not be processed for the time being. I can not afford to pay {$2000.00} a month.
Consumer complaint received 2024-07-25
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 am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and removed from my credit : XXXX XXXX {$730.00} XXXX-remove acct XXXX XXXX {$0.00} XXXX-update to never late XXXX XXXX {$220.00} XXXX remove acct XXXXXXXX XXXX {$5700.00} XXXX remove acct XXXX XXXX XXXX {$520.00} XXXX remove acct XXXX XXXX XXXX {$380.00} XXXX remove acct XXXX XXXX {$630.00} XXXX remove acct. 
XXXX XXXXXXXX XXXX remove inquiry
Consumer complaint received 2022-06-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (CA)

CashApp has a mobile app as well as a physical card. My entire ( physical ) wallet was stolen on XX/XX/22, including my XXXX-branded CashApp card. A number of fraudulent purchases totaling more than {$600.00} were made on XX/XX/22 at XXXX using the CashApp card. I attempted to dispute via the app, which is standard protocol for CashApp. My request was denied based on the fact that the " card was present '' for the transaction. I called CashApp on the phone and explained, yes, the card was present because the physical card had been stolen. They resubmitted the dispute on my behalf and today it was rejected again for the exact same reason. I called them and they said there is nothing else they can do in this matter except to send me information regarding how to avoid theft in the future which is not particularly helpful in this situation. 

It is very difficult to get in contact with anyone at CashApp who will listen to the specific circumstances of your dispute and follow up accordingly. A police report has been filed in this matter, and similar fraudulent transactions on other cards that were also stolen have been resolved with the respective card issuers. CashApp is the only holdout in this regard ( and of course it's the one where my losses were the largest! ) Thank you for any assistance.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

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 name : # XXXX XXXX ( XXXX ) ( XXXX ) Account name : # XXXX XXXX ( XXXX ) XXXX XXXX XXXX Account name # XXXX  ( XXXX XXXX XXXX ( XXXX ) Account name : # XXXX  XXXX ( XXXX ) ( XXXX ) ( XXXX ) Account name : # XXXX XXXX  ( XXXX ) Account name # XXXX  XXXX XXXX ( XXXX ) Account name # XXXX XXXX XXXX ( XXXX ), has violated my rights. I looked at my XXXX 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 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) 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 1681s-2 they are suppose 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 2022-06-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (AZ)

Cash app allowed someone to access my account and change all of my information stealing hundreds of dollars from me. This happened on XX/XX/19. I called Cash app and had all of my old card numbers, could verify the amount of the deposits, I could verify the old information prior to the change these hackers made, all of it but they stated they could not get me in and would not help me gain access to my cash app account again. I was told that because it was changed by them I am just out all of it.
Consumer complaint received 2024-07-16
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. (AR)

XXXXXXXX XXXX {$3000.00} This account has been charged off as a bad debt which is now considered income for me that is required that I file on my taxes according to the IRS and the FCRA income should not be reported on my consumer report The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. You and your inaccurate reporting have damaged my livelihood. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information Prohibition ( A ) Reporting information with actual knowledge of errors Apersonshall not furnish any information relating to aconsumerto anyconsumer reporting agencyif thepersonknows or hasreasonable cause to believe that the information is inaccurate.Duty : a moral or legal obligation ; a responsibilityAccurate : correct in all details ; exact.Prohibition : a law or regulation forbidding something. As Defined by The IRS. Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! By Definition The IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. 15 USC 1681 s-2 says a furnisher of information to a consumer reporting agency is PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect/ in accurate information immediately. 15 USC 1681 s-2 ( a ) ( 1 ) ( A ) Apersonshall not furnish any information relating to aconsumerto anyconsumer reporting agencyif thepersonknows or hasreasonable cause to believe that the information is inaccurate You are hereby put on NOTICE that you are furnishing incorrect inaccurate information.The lender must file Form 1099-C and send you a copy if the amount of debt canceled is {$600.00} or more and the lender is a financial institution, credit union, federal government agency, or other applicable entity as discussed earlier in chapter 1. The above paragraph is taken directly from the IRS 2021 publication. SEND ME MY FORM 1099-C that you should have sent when you Filled the account as a canceled debt.
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NJ)

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 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 XXXXXX/XX/XXXX
Consumer complaint received 2022-06-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (CA)

reference XXXX Cash app had allowed a charge to go through even after I had kept my card locked and the company charging my account, XXXX, had told me in an email that my account would be closed if I did not change my method of payment. I didn't change my payment method as well as I had written in to cancel my services over a month earlier and was under no contractual obligations. XXXX still made a debit in the amount of XXXX in the beginning of XXXX, XXXX. I made my formal complaint via Cash apps dispute form on XX/XX/2022. According to the eft they have 10 days unless a provisional credit was issued if one was issued they have 45 days. It has been 46 days and no provisional credits were issued, no credits were issued at all actually and no refund given. Anytime I go to inquire it is a lengthy process just to get any kind of response from Cash app and all they say is the same 45 day reciting of the eft which like I said it has been 46 days and they only have 10 days unless provisional credits were issued. When I tell them this they dont have any response other then saying they don't know what to tell me it isn't their department and im not allowed to talk to that department. I have reached by phone chat and email all with no success.
Consumer complaint received 2024-08-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (NC)

Conns Acct # XXXX & XXXX Has violated my federally protected consumer to privacy & confidentiality under 15.USC1681 I saw on XXXX & XXXX XXXX report That there were some not accurate This company didnt follow procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates to ( 15.USC 1681 ) They are to make sure that The information is accurate or unverified After reinvestigation under paragraph ( 1 ) of any Information disputed by a consumer/Item of information is found to be incomplete accurate or unverified, The consumer reporting agency needs to delete/modify that information off the file of consumer 15 USC1681s -2 The consumer are suppose to not report any information relating to the consumer report agency If the person has reasonable cause to believe that the information is Inaccurate
Consumer complaint received 2023-10-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (WI)

Chime is not reimbursing my funds for 2 disputes. Dispute XXXX XXXXXXXX which were fraudulent transactions and unauthorized withdrawals in the amount of {$410.00} also dispute XXXX XXXXXXXX in the amount of {$220.00} for unauthorized transactions and fraudulent withdrawals as well. Please investigate and reimburse my funds that we're not authorized.
Consumer complaint received 2023-10-27
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

I disputed an auto loan account ( XXXX ) in XXXX because it randomly appeared on my credit. Experian stated that XXXX responded that they certify the account belongs to me. 
I asked Experian to send me any documents that XXXX sent but I havent received anything. I called XXXX customer relations department on XX/XX/XXXX to get the information that Experian cant seem to provide. I explained to the representative at XXXX customer relations that a delinquent auto loan account appeared on my credit over a month ago. I provided my email and was told someone would look into the situation. I received a call back a few days later and the representative told me I needed to reach out to XXXX credit department. They would be the department to dispute any fraudulent accounts. After finally getting a hold of someone I explained the same situation about an auto loan account appeared on my Experian Credit Report that wasnt mine. I provided my name and last XXXX of my social and even the fist few digits of the account number that appeared on my credit report. On XXXX recorded line the representative stated that she didnt seem any auto loan under my information. I volunteered my full social just in case someone else shared the same last XXXX digits of my social. She then put me on hold and the told me all she saw was inquiries but no account. I was told that they cant dispute the inquiries. I was told I would receive a fraud form to my email in which I never received. I also explained to her that I had previously disputed the account and told the representative that Experian results stated that XXXX said they certified it was correct. The XXXX representative in the credit department denied claims that they told Experian that it was my account because she said based of the information it XXXX would have deleted the account. So now there is a bigger issue. Either Experian is not actually disputing the account or XXXX doesnt want to take responsibility. This is defamation and violation of the FCRA. This has hurt my credit. I mentioned to the XXXX rep in the credit department that is pending dispute again and she stated she didnt see a dispute. But on my credit report it is being disputed. So now one can seem to verify this debt by sending me actual documents.
Consumer complaint received 2024-10-23
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. (NY)

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXXXXXX XXXX XXXXXXXX XXXX XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes. Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall furnish any inf
ormation relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2023-10-26
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. (GA)

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 Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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.
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

Hello I hope all is well. I am writing you because I have attempted to reach out to you aboyt a fraudulent account on my credit report. The account does not belong to me and there is inaccurate information reporting on my account Everything on my credit report needs to be 100 % accurate and under U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( 5 ) these accounts are in violation of not reporting with 100 % accuracy across all three reporting agencies there are inaccuracies and inconsistencies.

Also 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 the written consent of the consumer.

I never gave consent to the furnishing of the account and I want to exercisize my right to privacy.