davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WA)

My account with EXPERIAN 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.

EXPERIAN 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 2024-09-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Self Financial Inc. (SC)

In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #.

All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ).

This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive also never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for this company to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. This is my last time asking to please remove this account, it's not mine. 
SELF/SOUTH STATE BANK Account Number : XXXX Charge Amount : {$0.00} Date Opened : XX/XX/year> Reason For Dispute : Fraudulent Account, Account Not Mine, Unauthorized, Identity Theft
Consumer complaint received 2022-08-25
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: Block, Inc. (CA)

Our non profit and has had {$600.00} removed from its account illiegally by Square our online payment system for parent fees. An illegal refund was reuqested on Tuesday XX/XX/XXXX at XXXX alerting us to a refund for a XXXX XXXX We did not make such a request. The next day our bookkeeper went to the bank to inform them to put a stop on the refund. We contacted Square everyday from XXXX until today XXXX XXXX and they have continually told us they were dealing with the refund. Our bank XXXX XXXX told us today a second refund was withdrawn by Square. The parent who XXXX XXXX  this belongs too send us an email to tell us the account for this card was closed in XX/XX/2021 and did not dispute any charges of our account. The parent has also contact XXXXXXXX XXXX  filing a fraud dispute on the account. We can not get XXXX XXXX or Square or XXXXXXXX XXXX to take any responsibilities over the missing funds. 

We have emails dates and time and all information to send to you to assist us with obtaining a refund.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc. (GA)

These erroneous entries have severely affected my credit standing, resulting in a significant drop in my XXXX score. Consequently, I am experiencing considerable financial distress, which has hindered my ability to obtain credit and manage my financial obligations effectively. 

Given the substantial impact this situation has had on my financial well-being, I urge you to treat this matter with the utmost urgency. I request that these inaccuracies be thoroughly investigated and that the erroneous items be blocked and removed from my credit report promptly.
Consumer complaint received 2022-08-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (NY)

On XXXX first I used cash app for a transaction it turned out to be the wrong person however this person never accepted the payment I went to cash app and explained on XX/XX/XXXXXXXX XXXX I talked to XXXX  was told they'd look into it on XX/XX/XXXX I talked to XXXX told they were working on it XX/XX/XXXX talked to XXXX same thing XX/XX/XXXX XXXX same thing told me I should be aware who I send to XX/XX/XXXX talked to XXXX was going to reach out to their specialty team and escalate my case XX/XX/XXXX was told it could take up to 45 days ok XX/XX/XXXX talked to XXXX and XXXX again going to escalate the case after asking for everything all over again from XX/XX/XXXX to the XXXX talked to no one except the robot on the XXXX the talked to XXXX again asked for all information again same on XX/XX/XXXX when I talked to XXXX since then I have been blocked from support Now I have used cash app in the past and every time I have received an email stating the transaction was accepted I did not receive any that day of XXXX first therefore meaning the money was never accepted I tried explaining this and cash app just ignored it And cash app itself can not come up with where it was accepted therefore my money is out there somewhere Cash app refuses to refund me when I believe it would be their responsibility So who has my {$200.00} not the person who it was sent to Not me Cash app has to have it somewhere and I would like it returned I have also reported this to the better business bureau As I told them I will settle for nothing less than my money returned The case number for cash app is XXXX I would greatly appreciate any help you can give me my money is hard to come by when I receive XXXX And NOTHING LESS than my money returned Thank you
Consumer complaint received 2022-08-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc. (GA)

I'm trying to pay a vendor that provides XXXX XXXX services and they only accept Bitcoin. I signed up with Cash App as recommended by the vendor and connected my Bank Account to the app via my debit card. I then applied to send the vendor a Bitcoin payment and was told I needed to provide further verification of my identity. They then asked that I submit a front and back set of photos of my Drivers License for the purpose of verifying my identity. I did this process twice ( once on XX/XX/2022 and the second time on XX/XX/2022 ) and both times got an email about 20 minutes later saying I was not approved for Bitcoin use on the site. I called the Customer Service number and got a live person on the line to see what the problem was. The amount of the transaction with the vendor is {$89.00} USD and I had transferred {$100.00} from by bank account into my Cash App account to cover this transaction. After 20 minutes of back and forth emailing between the customer service rep ( " XXXX '' ) she said that the Identity verification department was denying my ability to use the Bitcoin part of their app. I asked to speak with the Identity verification department and the CSR said they didn't communicate via phone, only via email to all other departments. I then asked to speak to a manager or someone else in the company that could sort this out and was told that the decision was final and this service was not available to me. When I asked for further clarification on the reason I wasn't being allowed to use this service the CSR said she could not provide any other information.
Consumer complaint received 2023-12-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I dont have any credit because I came recently to the country so I am trying to build my credit but I didnt have any idea how to improve my credit of building so I started to learning about it and then I realize that I can check my credit report but when I saw it, I had like 33 inquiries and I dont recognize most of them and I dont really know what happened. I think that someone is using my Social Security to apply to different credit cards but as I dont have any credit history, they couldnt be approved and now that I want to apply to some credit cards they couldnt be approved because I have too many inquiries I already locked my credit file because I dont know if that person is gon na be able to continue requesting credit card so were trying to open accounts under my name. I just recognize the one from my car when I did when I came with XXXX XXXX XXXXXXXX and 2 secure credit card I have.
Consumer complaint received 2022-08-15
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: Block, Inc. (WI)

On XX/XX/XXXX the closing of Tax period for tax year XXXX I filed Wisconsin XXXX taxes and Wisconsin homestead but not federal yet as IRS is currently investigating fraudulent returns alleged my by me as I didn't file in XXXX or XXXX. I was on XXXX and did not work this years and I. My state WI was not required to file. Some stole my identity and filed fraudulent returns. My cash app accounts multiple accounts were hacked in XXXX years in XXXX WI XXXX XXXX WI XXXX XXXX at the time I resided. Then later moved to XXXX XXXX in XXXX where I reside today. But my physical location address is confidential under state WI law as I'm in crime victim program. And am protected. The basis of my complaint is that Wisconsin revenue notified me when I requested my tax return transcripts history for XXXX. I realized there was a filed XXXX XXXX XXXX XXXX source from block inc provided to Wisconsin dept of revenue they told me to reach out to IRS and block. I reached out to IRS have been unsuccessful in reaching them. I reached out to cfpb. To then initiate this to u guys to let u know I need this data explained. Date of sale or exchange was XXXX and it was for the amount of XXXX payer : block Inc to payee : XXXX XXXX XXXX- is there a mistake here. It says noncoverd security basis not reported to IRS wi said they forwarded it to IRS since they don't handle this. In the description it says see detailed statement. I requesting that detailed statement. My confidential address also should by law not be on this document it is WI misdemeanor. There's a payers account set up by block for the payee me- XXXX XXXX XXXX. Which I can give but I didn't get any money from block. Knew nothing of this account.
Consumer complaint received 2023-08-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (AZ)

This collection company which I have " NO Contract '' with is in violation of the FCRA. They have no legal right to collect the debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. 
Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.

I have not supplied proof under the doctoring of the estoppel by silence.Engelhardt v. Graves ( mo ) 281 SW 715,719. I presume that no proof of the alleged debt nor therefore any such debt in fact exists Please delete this account immediately from all three CRA.
Consumer complaint received 2022-08-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (NH)

On sunday XX/XX/22 my daughter sent me her savings from her CashApp account to be placed in her external bank account by me. She sent it to my old account that I no longer have access to the phone associated with the account. I have called, emailed and chatted with support almost daily since the occurence. I have given then plenty of identifying information and they still tell me I don't pass their " required data points '' to regain access. I have been told the money is still sitting in my old account and they refuse to even send it back to my daughters account. It is over {$500.00} they are keeping and I cant even get the to tell me any reasons for this. They state " we can not provide you any more information in this case. '' That is not okay!
Consumer complaint received 2024-06-27
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. (CT)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2024-07-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC (CA)

RoundPoint Mortgage abruptly added Tax Escrow to my mortgage. They tell me I had {$410.00} in unpaid tax from XXXX even though I had no notice from my county about that.
Consumer complaint received 2019-08-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: PNC Bank N.A. (NV)

On XX/XX/2019, three separate PNC checking accounts were opened fraudulently in my name and fraudulent checks were deposited. Those accounts were subsequently closed by PNC bank and PNC bank proceeded to report the fraudulent activity to XXXX XXXX XXXX as fraud on my part and not the act of fraud by deception and/or identity theft from a third-party.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).
Consumer complaint received 2024-06-06
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. (CT)

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of XXXX XXXX. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Consumer complaint received 2024-09-29
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (PA)

I had three private student loans with Naivent and applied for their school misconduct application. I put in my application letter that I should have the total paid principal and interest returned to me if approved. I have been approved for the application but they made no mention of reimbursement. I demand that Navient return those funds to me due to school misconduct and their misconduct.
Consumer complaint received 2024-09-23
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: World Acceptance Corporation (MO)

This isn't a request for " verification '' or proof of my mailing address, but request for Validation made pursuant to the fair debt collection practice act 15 U.S.C. s 1692g.

-Date of last activity -My full, complete and correct social security number that may help to identify me as the correct person.

-Agreement that bears the signature of the alleged debtor wherein he agreed to pay the original creditor. 
-The obligation between you and I that allows you too collect on the alleged debt and any transaction between your company that binds me to an agreement to pay your company any money that you claim I owe. 
-Letter of sale or assignment from the original creditor to your company. 
-Under FDCPA section 809 ( b ) you are not allowed to pursue collection activity until theses debts is validated. You should note this not a request for " partial '' validation but rather, a request for everything listed here in order to constitute full and sufficient validation of theses debts.
Consumer complaint received 2022-08-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (FL)

This is the second time I have filed a complaint however you all stated the information didnt match. Review the call notes the Agent stated a Supervisor would call me months later no response.I will attach the information that was provided to me after the other claim under email address XXXX This compliant is with CASH APP.. their are several transactions that are fraudulent I have contacted them To no avail. I asked CASHAPP to close my account and as you will see from the evidence they are still sending text messages that my card was declined. They also sent me a text I was - {$900.00} and some dollars. All the money that CASHAPP allowed to go through that was fraudulent. I want all my money back. The people that did these fraudulent transactions I am willing to prosecute. They need to reimburse my money and they need go after these people to get their money back. CASHAPP has been on the news in XXXX, Florida it is not fair to me as a consumer to be defrauded and not receive any compensation for their errors.
Consumer complaint received 2022-08-06
Product: Credit card or prepaid 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: Block, Inc. (WA)

On XX/XX/2022 I used my XXXX XXXX card for dine-in at XXXX XXXX XXXX XXXX XXXX, WA. Square Inc is the payment processor for XXXX XXXX XXXX. As the payment processor, Square Inc is responsible for computing the sales tax rate on the point of sale ( POS ) system. Without prior notification, XXXX XXXX XXXX added a {$0.00} " Retail Service Tax '' when paying. This is in addition to the expected sales tax. I found out about the additional charge after swiping my card. There is no such tax called " Retail Service Tax '' in Washington State. The restaurant employees were not sure why this fee was added. There is also no posted notice of the fee. The restaurant was unwilling and unable to provide a refund, since they blamed it on Square Inc .
Consumer complaint received 2024-08-07
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: Experian Information Solutions Inc. (FL)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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