davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc. (TX)

square up app Credit Card Processing and banking. 

On XX/XX/2020 I opened a square up app credit card processing account for my business. i processed 3 test run payments and was successful. On the 5th day i made a customer transaction for my business of {$5400.00} and although everything processed successfully. Square co put a hold on the funds of {$5400.00} and hasnt let me withdraw. They stated they were missing information of me and my business. That itself is understandable but not 6 days later. I Used to be a XXXX XXXX, no one should be allowed to complete and open an account, much less process transactions on accounts pending identity verification. Furthermore, Funds on hold with no notice is also unacceptable. At the time someone notice anything missing on my account, this processing account should of not let me process any payments. 
my account can be located with them by email XXXX XXXX XXXX Phone number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx. XXXX
Consumer complaint received 2022-08-31
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. (NY)

Since the beginning of the month of XXXX my internet service has been laggy, buffering, or not connecting at all which still continued to occur after making a payment to my internet company using my CashApp prepaid card. As a result I disputed that payment and explained to CashApp why Im filing a dispute however they provided no information where I can submit actual proof like screenshots to show my side but instead they heard one word from the internet company and immediately took their side. Not fair and also not legal for this type of issue. Attached youll see an email from the FCC way back in XX/XX/XXXX when I originally submitted my complaint about my horrible internet service
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services (TN)

Ed Financial Services are my new Student Loan Servicer. As part of the Fresh Start Program, my Loans are suppose to be in good standing and reporting positively with No Late Payments. The update was to come 90 days after I signed up and has not been done. I have contacted the company numerous times as it shows in their records to get the turn around time and consequently to make sure the request has been done. Was told ny XXXX XXXX on XX/XX/23 that it has not and can't be expedited.
Consumer complaint received 2022-08-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Block, Inc. (TX)

Earlier this year ( maybe XX/XX/2022 ) I received a Cash App Debit Visa card with my name, a debit card number, a CVV number and an expiration date. I called the company and advised that I did not open this account nor did I apply for this card. The Cash App representative confirmed that the did use my actual address but provided a different email address. The Cash App representative send me an email requesting the following information : " From : Cash Support XXXX Date : XX/XX/2022 at XXXX XXXX  XXXX To : XXXX Subject : Inbound Voice General Questions [ XXXX XXXX XXXX XXXX XXXX  ] Hi XXXX XXXX Thank you for letting us know you received a Cash Card that you did not order. 

In order to disable the card, we need the following : 1. Your Full Legal Name ( first and last ) 2. The name listed on the Cash Card you received 3. Has anyone previously lived at this address?

4. Please use this link to securely share the front and back images of the card : https : XXXX. 

We will use this information to disable it. 

ref : XXXX : ref '' I hope the individual I spoke with was actually a true representative of the company because I did provide the answers to the aforementioned email.
Consumer complaint received 2024-06-28
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)

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 those accounts 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  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 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (GA)

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file.

"
Consumer complaint received 2024-06-28
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge.I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit.Please delete the items as soon as possible to correct my credit report. It's affecting my life for being inaccurate.
Consumer complaint received 2024-02-09
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRUIST FINANCIAL CORPORATION (LA)

I was approved by Service Finance Co, LLC for solar panels and back-up battery. I was promised in writing {$11000.00} in tax credit would be applied to the loan balance that would maintain my monthly payments at {$130.00} currently deducted from my checking account each month. On XX/XX/XXXX I was notified that my loan payment had increased by {$52.00}, is now delinquent and now in collection even though they are deducting {$130.00} from my checking account monthly. This same type of fraudulent abuse occurred when XXXX of the XXXX installment steps had not been completed and the company was harassing me to make payments 2 years ago which caused my credit score to drop from XXXX to XXXX. What can I do to protect my credit from these predators? Are there class action suits available for me to join in a fight against this.
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have already disputed it with all three credit its only still on transUnion and XXXX i know that everything should match up across all three credit bureaus XXXX have already deleted it off my credit profile so that means its need to be removed off the other two because its not right i have added the police report and XXXX XXXX paper
Consumer complaint received 2022-10-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (IN)

I purchased cleaning services from a woman and her company. She had great online reviews at the time. Her method of payment was cash app and her company name was affiliated as such. So I paid for services. She started the process and then claimed to have had to leave and never came back. I have tried repeatedly to reschedule over the last couple of months but she never showed up. She then scheduled to come and while I was out she came by and told my son I said she could get her supplies. Took her stuff and mine and once again never returned or provided services. I contacted cash app and they wont do anything. I contacted merchant and she said she would refund me some money and wont respond anymore. This was fraud. I have the web receipts where she changed her name. I have messages. And believe she tried to break into my home as she knew my garage code and had my garage door opener. Cash app takes no responsibility and offers no investigation or resolve so XXXX XXXX can continue to scam other people. I have been trying recover my funds. There are more messages as well but this is her admission of never providing services, timeline and admission of owing money
Consumer complaint received 2019-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MA)

I disputed an account on my credit report that EQUIFAX is reporting because I do not know whos account that is, the name of the account is XXXX XXXX, I received a copy of a paper from EQUIFAX telling me that the account is not being reported on my credit report but that is not true because the account shows as being reported on different places like XXXX XXXX and the EQUIFAX.com/dispute. I have included a copy of the paper as proof.
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I'm contacting you about fraudulent personal information linked to my identity. Accounts and transactions have been wrongly attributed to me without my awareness or approval. I'm a victim of identity theft and have reported this incident. 

This situation is severely impacting my financial status and reputation. I request your help in swiftly removing all fraudulent data from my credit report and thoroughly investigating this issue. I'm ready to provide necessary evidence and take legal action if needed to protect my rights and seek compensation.
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have reached out to Transunion and now I am writing to dispute several items on my credit report that I believe are inaccurate and incomplete.I am asserting my rights under the Fair Credit Reporting Act ( FCRA ) to ensure that my credit report is accurate, fair, and substantiated. It is imperative that the information contained in my credit report adheres to the Metro2 standards, which mandate accuracy and completeness.According to Metro2 guidelines, I expect the investigation to be completed within 30 days of receipt of this. Please inform me of any actions taken and provide an updated copy of my credit report reflecting the necessary corrections. As per the guidelines outlined in the Metro2 Format, I am requesting a thorough investigation into the following inaccurate items on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX account is listed as XXXX days late XXXX XXXX XXXX  # XXXX status - dismissed
Consumer complaint received 2024-04-18
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (FL)

I recently requested a copy of my credit report. I discovered that there was a debt collection with an unfamiliar amount listed on the report. I called the debt collector and requested an email address to request additional information. On XX/XX/2024I sent Hunter Warfield a debt validation letter to request additional details about this negative impact to my credit report. Hunter Warfield responded on XX/XX/XXXX, provided supporting documentation such as a copy of a rental contract and a summary of charges move-out costs. I reviewed the documentation. The rental contract was signed by XXXX Individuals including myself. I observed that the full amount of the move out charges was assessed solely against me- rather than equitable division of the total move out charges applied to all individuals that signed the contract. On XX/XX/XXXX I responded to Hunter Warfield advising that this debt amount is incorrect and communicated that they need to correct the debt against me to reflect a proportionate share of the charges. Hunter Warfield replied that they refuse to continue to validate this debt. I am filing a complaint with CFPB for assistance in addressing the unfair practices of Hunter Warfield and to request damages. This incorrect debt has been impacting my credit for more than XXXX  years. I have attempted to resolve the matter with Hunter. Their response is not conducive to correcting the issue.
Consumer complaint received 2023-08-11
Product: Credit reporting, credit repair services, 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)

I hope this message finds you well. I am writing in regards to the recent investigation conducted on my credit report, which indicated that the information in question was found to be accurate. I understand the importance of maintaining accurate credit reporting, and I appreciate XXXX 's efforts in ensuring the integrity of credit information. 

However, after a thorough review of my credit report, I have identified an item that I believe to be inaccurate. The [ specific item, such as a late payment, incorrect account status, or account that doesn't belong to me ] listed on my report is not reflective of my financial history. 
Account name XXXX XXXX XXXX Account number XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX Account XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX Account XXXX XXXX  Account XXXX Account name XXXX Account number XXXX In light of this discovery, I kindly request that you review the information once more and consider reevaluating its accuracy. It is essential for my financial well-being that my credit report accurately reflects my creditworthiness. 

If possible, I would appreciate the opportunity to provide any supporting documentation or details that can help clarify this matter. Please let me know the appropriate steps to take in order to rectify this situation. 

Thank you for your attention to this matter. I look forward to working together to ensure the accuracy of my credit report.
Consumer complaint received 2024-06-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I submitted wrong info for XXXX XXXX XXXX Im submitting correct infoI have attached a statement showing I have reached and disputed this months ago and they didnt do anythingLegally they are not properly verifying the incorrect and inaccurate info on my XXXX credit reporting agenciesThey never got me the info I requested.So they could properly verify the account
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

On XX/XX/24 Contacted XXXX ( XXXX ) Spoke with a representative by the name of XXXX. I requested a copy of the 1099-C form XXXX filed with the IRS. 

On XX/XX/24 an email was sent from XXXX with a copy of the 1098 form, after requesting a copy of the 1099- c form as well. 

Not only is this company committing security fraud, but they are committing tax frau das well. 

While I have received the 1098 form via email and mail, I have NOT received the copy of the 1099-C Cancellation of debt form that XXXX filed with the IRS. It is important to rectify this situation promptly to avoid potential tax implications and to ensure accurate reporting on my consumer report. 

If XXXX was able to send the copy of the 1098 form via email and mail, why are are they witholding the copy of the 1099 - C, and why wasn't a copy sent to me as soon as filing with the IRS? I am requesting XXXX to send me the requested documents per my request immediately. 

I am also requesting your company to cease requesting payments on an account that has been canceled debt. It is important to align with the FCRA, and IRS guidelines and accurately reflect the cancellation of debt status to avoid any further confusion or potential legal issues.
Consumer complaint received 2024-06-28
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. (IL)

I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.
Consumer complaint received 2024-06-28
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. (GA)

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 uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated 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 2023-08-11
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: WELLS FARGO & COMPANY (GA)

It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent 3 previous letters to you, requesting that you remove inaccurate information from my file and you have failed to do so. 

Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters stated my reasons for an investigation and these reasons were not frivolous in any way. 

If this final request does not prompt you to conduct a proper investigation of these accounts in question, and send proof to me of said investigation, I will file a civil suit in my county for damages and you can travel to defend yourself. 

I take my credit very serious and your lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act and I intend to pursue them to the maximum.