davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

What happened ( statement of pertinent facts ) : I am a victim of identity theft Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX5B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX {$510.00}. XXXX. XXXX XXXX XXXX {$500.00} ( collection account ) XXXX. XXXX {$7800.00} XXXX. XXXX XXXX XXXX  {$45000.00} XXXX. XXXX XXXX XXXX {$5300.00} XXXX. National credit adjust {$1500.00} ( collection account ) These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO 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 # ( private case number ) 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
Consumer complaint received 2022-02-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Block, Inc. (OH)

On XX/XX/2022 I received an unsolicited XXXX Debit card with my name on it at my home address via the United States Postal Service. The card lists cash.app and XXXX XXXX. On XX/XX/2022, I reached out to the customer support of Square ( the parent company of cash.app ) and was told that they could not help me. On XX/XX/2022, I tried to reach out to both Cash.app and XXXX XXXX to close the account ( s ) immediately and was told that could not be done immediately and that I needed to respond to an email with more information to begin an investigation. I am unable to get in touch with a fraud prevention specialist at either institution even though I called during posted business hours. According to a cursory search on XXXX, this is happening to many people over the last 2 years.
Consumer complaint received 2022-02-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (WI)

I used my XXXX XXXX XXXX XXXX  to send money on Cash App XXXX transactions were denied by cash app, Ive tried calling Cash App and can only talk to someone via the App and they say they same thing, Cash app says they sent the money back to my card on XX/XX/XXXX, today is XX/XX/XXXX, I have contacted XXXX XXXX regarding this and was asked to send in screenshots of my conversations with Cash App, their response and the transactions and they also have not been helpful and XXXX XXXX only says call Cash App or the payments were completed, hung up on, refused a supervisor, and told me to get a pen and paper only to tell me to add up the transactions, the money has not been returned to my account, I now have {$110.00} late fees for rent and my phone has been shut off, it seems like a game and no one wants to tell me where my money is.
Consumer complaint received 2024-09-06
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-06
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)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need this account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

Experian XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern I am writing to express my extreme dissatisfaction and concern regarding the unresolved status of my previous dispute about unauthorized inquiries on my credit report. Despite my previous attempts to resolve this issue, I have yet to receive an adequate response or resolution. 
This letter serves as my final attempt to resolve this matter amicably. I demand an immediate resolution in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

Unauthorized Inquiries in Question 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> Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) requires an immediate investigation of disputed information. It has been more than 30 days since my initial dispute, and I have yet to receive an adequate resolution, which is unacceptable.

Section 609 ( 15 U.S.C. 1681g ) entitles me to access all information in my file, including the results of your investigation. To date, I have not received the required information, which constitutes a violation of my rights.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section, representing a serious infraction.

Immediate Action Required I demand immediate action to resolve this dispute. Specifically, I request the following : Thorough and Immediate Reinvestigation : Conduct a complete and urgent reinvestigation of the unauthorized inquiries.

Immediate Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report without delay.

Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes immediately.

Detailed and Documented Notification : Inform me in detail of the steps taken and the results of your investigation within 15 days of receipt of this letter. Include documentation supporting your actions.

Warning of Legal Action If I do not receive a satisfactory resolution within the specified timeframe, I will escalate this issue to the Consumer Financial Protection Bureau ( CFPB ) and proceed with legal action to protect my rights as a consumer. I will not hesitate to seek compensation for any damages resulting from your failure to adequately resolve this matter.

I expect your immediate response and resolution to this issue
Consumer complaint received 2022-02-04
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: Block, Inc. (NJ)

Hello I was issued on a notification on Cash App saying that I would be receiving my {$1400.00} economic impact payment and I took note of notice to that and I waited to be able to access the money that is said was they are believe it was XX/XX/XXXX of last year and I never was able to have access to it so Ive been following him complaint with customer service with Cash App and no ones really helping me that Im telling me when where and how I can get my money back and/or how I can get access to my money it just keeps asking me if I was able to be helped or if I can be helped anymore with anything else and I just dont believe that that song fair or legal so Im thats what Im trying to do is basically father complain like whoever whatever admitted whatever entity I guess Ill know that I never had access to my to my third payment and I and I havent really been working last year and I really need access to my money so I dont know exactly where to go or who to report to see what Ive been trying to do so Im calling on the phone getting automated systems and I know that theres got to be some type of you know Im piece of paper or somebody I can give him the existing information to or whatever information I did have when I when I had a record of it and try and figure out what happened to my payment or if its a car payment tracker or let you know what to do about this unfortunate situation do but I really need help
Consumer complaint received 2021-12-31
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Block, Inc. (NV)

I hope I choose the right category for this matter but I posted something on XXXX XXXX and this guy said he wanted to buy it but he would pay me on cash app. I gave him my cash app and he never sent me a penny but he said that he had to pay a extra XXXX $ on top of the XXXX $ He was paying for the product. So he made a fake cashapp email telling me that I needed to buy 2 gift cards from me 1 steam and the other one could be anything both with XXXX $ on them. At this point I knew the scam I have his email and number is XXXX if anyone has this told to them DO NOT TRUST IT make sure your getting texted by a a company email.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (IL)

Dear XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  Ref : # XXXX I find that the following information provided on credit report to be an error. This account was never late or owed any amount ( pursuant to HJR 192 ). You are alleging that I owe without furnishing any proof of this debt with full accounting of ledger or proof of any 1099s that were filed on behalf of my principal, or that you have followed all laws and regulations to report therefore you must remove this account from credit report.

As you know it is against the law to report any information not proven accurate. Under the laws of the State of Illinois and State RISA and MVISA status a deficiency can not be claimed unless all of required notices were properly and timely given, and all of allowable redemption and cure time limits were adhered to. Pursuant to 15 u s.c 1692a ( 1-7 ), 15 u.s.c 1692e ( 1-12 ), 15 u.s.c 1692g ( a-c ), 15 u.s.c 1666. 15 u.s.c 1681 ( a ).

The alleged claim of a deficiency will be considered null and void, and any continued collection activities or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. 

If you severally fail to comply with above requests, I reserve all rights, interests and proceeds to seek damages against all parties, under all applicable state, federal and XXXX XXXX remedies. 

Thank you XXXX, XXXX XXXX
Consumer complaint received 2024-10-29
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Heritage Financial Group, Inc. (KY)

Heritage Acceptance Corporation XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dear Heritage Acceptance Team, Subject : Request for Police Report Related to Vehicle Repossession ( XX/XX/XXXX ) I am writing to request a copy of the police report regarding the repossession of my vehicle, a XXXX XXXX XXXX XXXX which took place in XX/XX/XXXX. My account number ends in XXXX. 

I recently contacted the local police department and was informed that no report was filed regarding this repossession. If no police report exists, I kindly request that you remove the repossession entry from my credit report, as it may be inaccurate or unverifiable. 

Please let me know if any additional information is needed to locate the relevant documentation or if you require further information from me. You may reach me at the contact details provided above. Thank you for your assistance with this matter. 

Sincerely,
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : Account Name : XXXX XXXX Account Number:XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Consumer complaint received 2024-10-05
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Maximus Federal Services, Inc. (GA)

I applied for the SAVE program over a year ago. All of the information on my application was correct, but Aidvantage never processed my application. At the time, my loan repayment was to be {$0.00} per month. Since then my loan balance has increased roughly 20 %. I have filed several complaints to have my SAVE application implemented and be placed within the program. My current loan payment is around {$800.00}, which I can't afford. I have reached out to Aidvantage, The Department of Education, President Biden 's office, Vice President Harris 's office and everything get redirected back to Aidvantage. My loan payment continues to be missed because I can't afford it and I'm still not on the SAVE plan and hence not in forbearance given the court actions. There is no record of previous monthly payments nor how many monthly payments I have made towards forgiveness. I need help. Can someone please assist me? This is causing undue stress, as I am the sole provider of a family of XXXX.
Consumer complaint received 2024-10-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (MA)

A hold was applied to my account on XX/XX/year>. I called the Wells Fargo bank on XX/XX/year> and they told me that I am supposed to sign a form. 
I did NOT receive any notice about this signing a form from the bank. 
I received and signed the forms and submitted them on XX/XX/year>. I have about {$16000.00} in my account that is blocked. All my scheduled direct deposits, money transfers, mortgage payments and bill payments are pending.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AL)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. 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 to be removed/updated. 

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 XXXX  days before the payment due date. 

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (OH)

n 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.

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 informationisinaccurate.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (VA)

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.

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 XXXX 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 2021-10-02
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. (FL)

Since XX/XX/2021 I have trying to get my money back from unauthorized charges from XXXX and a canceled order from XXXX cashapp have lied several times and refuse to get my money back from merchants. I have selected these authorized charges at least 7 times and cashapp is prolonging this issue they continue to lie and say ah investigation was open and no updates and then tell me get to my money back from the merchant