davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-26
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (FL)

First of all, I would like to say I am a victim of identity theft and I have been trying to get the police and other authorities to help me. When I checked my report on all three credit bureaus, I noticed several charges on my report. One of the charges that I notice was from XXXX XXXX XXXX ( XXXX XXXX ). I called this company to inquire about this debt because I did not open anything with this company. The representative stated that this account in XXXX and closed in XX/XX/XXXX. The debt is in the amount of {$720.00}. She also gave me the address of the individual that opened the account XXXX XXXX XXXX XXXX  XXXX XXXX. I do not live at this address, and I had to have this address removed from my XXXX report. I have been living at the same address for over 10 years and the address on XXXX XXXX XXXX XXXX, XXXX XXXX is not my address. 

The second dispute on my credit report was from Transworld Systems INC. ( cox communication ). The representative stated this debt was opened XX/XX/XXXX, and it was closed on XX/XX/XXXX, due to non-payment. The debt owed to this company was {$850.00}. The representative also gave me the address that debt occurred. The address was XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I have never lived or visited XXXX XXXX. I explained that to the company and she would list it as fraud on their end. I also notified her what city and state I lived in. It was nowhere near XXXX XXXX, XXXX. She listed it as fraud on their end, but it was not taking off of my credit report.

I also called Transworld System INCXXXX. The representative informed me that this was a debt from XXXX XXXX. The debt was in the amount of {$1100.00}. The address that this debt was opened was XXXX XXXX XXXX XXXX XXXX. I have never been to XXXX  in my life, and I do not know of anyone in XXXX. I would love helped in bringing charges to these people because this is further damaging my credit report and causing me a lot of XXXX, and no one seem to be trying to help me. Please help me stop these people.
Consumer complaint received 2024-06-26
Product: 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. (SC)

My name is XXXX XXXX, and I am writing to request assistance regarding a delayed refund for a hotel deposit on my Cash App account. 
On XX/XX/year>, a deposit hold of {$75.00} was placed on my account by XXXX XXXX ( $ XXXX username ). I checked out on XX/XX/XXXX, and the hotel has confirmed that the deposit has been released on their end. 
Unfortunately, the funds have yet to be reflected in my Cash App balance despite repeated attempts to resolve the issue. I have submitted copies of my hotel folio as requested by your customer service team, but the funds remain unavailable.Additionally, I've been informed that it might take up to 41 days for the release, which is unacceptable considering the hotel has already confirmed its release. 
I have also contacted XXXX XXXX  on multiple occasions, and they have reiterated that the funds have been returned to Cash App. They further mentioned that they no longer accept Cash App payments due to similar delay issues, raising concerns about the platform 's efficiency. 
Given the current economic climate and the importance of readily accessible funds, this situation is highly concerning.The delay in receiving my refund has caused significant financial stress, impacting my budget and even leading to the use of credit cards to cover essential expenses. 
While I understand unforeseen circumstances can arise, the lack of clear communication and resolution from Cash App has been frustrating. My interactions with customer service representatives, including a supervisor named XXXX, have unfortunately been unhelpful and disrespectful. 
I kindly request your immediate intervention to expedite the release of my {$75.00} refund. I am confident that this issue can be resolved promptly. I believe that a more efficient process for handling such situations would greatly improve the user experience. 
Thank you for your time and attention to this matter. I look forward to your response and a swift resolution. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-11-15
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: EQUIFAX, INC. (GA)

Previously submit complaint number XXXX regarding consumer violations and past dispute with credit bureau , Equifax. The bureau responded by stating that an investigation was done and the information was verified as my account, but did not address any of the violations or concerns that was listed in the complaint. The complaint was closed without being able to appeal the response. It appears the company responded, so they can say they responded without taking the time to address my concerns which is even more frustrating. I shouldn't have to beg and pled with a company to fix inaccurate information on my credit report, and should be able to trust that companies as such would not intentionally violate my rights and will hold my information confidential, but that does not seem to be the case. I've been going back and forth for over 5 years now for the SAME issues. Not one time has this company provided me any documentation to show how they " verified '' the information. Yet again, this is way over the 60 days and my credit report is STILL not correct. According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. credit bureaus have an obligation to report Accurate, Complete and Timely information, but Equifax failed to do so. According to Section 611 of the FCRA, I have a right to get the method of how said accounts were verified, but Equifax failed to provide the requested information.
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: Experian Information Solutions Inc. (FL)

My account with the company and i was never late! I have had exceptional payment history with this company 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.

This company 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 2024-06-26
Product: 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. (TX)

I have several pending transactions from a merchant. The merchant placed authorization holds on my account but took the full payment on the last day of the cruise. Cash App has stated that's it's their policy to hold the funds for 31 days regardless. This unfair practice has caused harm and my account is negative.
Consumer complaint received 2019-05-02
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: EQUIFAX, INC. (TX)

I call the credit bureaus and told them i was a victim of identity theft. I was told to send all the proper docs to get these account removed. I sent in everything they ask me to and the accounts are still there.
Consumer complaint received 2024-06-26
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Benht: Economic Development Corporation (MN)

I have paid ridiculous amounts of payments to them and called them to see what the Payoff was and it was more than the loan I took out. They are charging unethical amount of interest.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Kikoff Inc. (GA)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2023-11-15
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: EQUIFAX, INC. (MO)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2024-06-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/24 a replacement debit card was used without my authorization to make 4 different fraudulent atm withdrawals.

The 4 different amounts were XXXX XXXX XXXX XXXX I made 2 separate claims now with chase and both have been denied, on XX/XX/24 I received a phishing phone call ( it was masked to look like chase bank was calling me ), the person on the phone acted like a chase employee and asked me about some fake fraudulent charges in order to get my information. Somehow they were able to get a replacement debit card shipped to an address which wasn't mine and since they had my information they had my pin number as well. I never received any notifications about a replacement card being shipped out, I also never received a temporary credit from chase which they state happens within 4 days of filing the claim. This never happened with either claim I filed.

The reference numbers for the claims are as follows, XXXX XXXX
Consumer complaint received 2024-06-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (TN)

IreceivednotificationonXXXXthata $ XXXXunknowntransactionhadbeencarriedoutonmyCashAppcard.Itappearsthatsomeonegainedaccesstomyaccountandtransferredmoneytothemself.Theyattemptedtomakeasecondtransactionof $ XXXXbutwereunableafterIreportedthe $ XXXXasstolen.Thefirsttransactionwasfor $ XXXXandwassuccessful.WhenIcontactedCashAppaboutit, theyadvisedmetofileadispute, whichIdidthesamedayitoccurred.However, onXXXX, Ireceivedwordthattheclaimhadbeenrejected, despitemyassurancesthatIhadnevertransferredmoneytothatindividualandthatIhadnoideawhothe person was. Theyhaven'tbeenhelpfulatallduringthisstressfulsituation, andIdon'tknowwhatelseIcandotoseekhelpgettingmymoneyback itwasforasignificantexpensethatI'mnowseveraldaysoverdueonpaying. There's also other devices logged into my CashApp account that I'm not aware of and I am unable to delete them. I want to shine light on this issue in hopes that it doesn't happen to anyone else because people work too hard for their money just to be scammed for it.
Consumer complaint received 2019-05-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT REPORT AND I WOULD LIKE FOR YOU TO CONDUCT A RE-INVESTIGATION INTO THOSE DEROGATORY MARKS.
Consumer complaint received 2024-05-07
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. (GA)

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. 

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 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 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 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 XXXXXXXX, 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 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 2024-05-07
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc. (TN)

Each time I try to fix and or dispute inaccuracies, I am being told that certain things are factual. So here I am again, trying to fix inaccuracies on my report. All 3 reporting agencies is furnishing somethin different on each report. Trying to get this fixed is like looking for a needle in the ocean.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (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. 

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 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 2019-05-02
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (MD)

I was issued 2 store credit cards for Home Depot store with my same name and numbers on both cards. Unfortunately one of them were missing without me knowing for a little while. My wife who paid all the bills made the usual payments for a few months and questioned why did I went over the limit and why did I buy all that materials and not use my regular business credit card and that was when we both found out one of the card was missing and fraudulently used to make purchases between XX/XX/XXXX until XX/XX/2018. It went way over the {$2500.00} credit limit and we immediately called Home Depot/Citibank to make the disputes. The total charges were over {$3000.00} but I dont have the exact number because they put on interest fees and etc. ( They should have all the fraud charges by the exact numbers on their record ) I also told them we dont sign the back of any one of our credit cards and wrote Ask For ID on the signature panels for safety. 
After a course of over a year, We sent in police report, driver license and all the things they asked for several times. Sometimes with them never received it so I would have to send it again after a long waiting period. They always came back with one reason : *The facts and/or information reviewed as part of the investigation does not substantiate the claim of unauthorized use. 
The last person from Citi I spoke to on the phone with said because I made payments to the account so thats one reason why they decided to put the charges back into my account even though I kept telling him we would make payments due to us wanting to keep my credit perfect. 
With that being said, he then referred me to write to their : Presidential Communication Executive Response in Tennessee with the XXXX XXXX address in XXXX, Tennessee, which I also did, but until today I never heard back from them and dont even know if they received my letter and package. I am very frustrated because Home Depot didnt do their job of checking the card or ask for ID, allowed the account to go way over the limit to nearly {$4000.00} when limit was only {$2500.00} and now trying to pins me for something I didnt make the charges of. 
I cant put each and every item to itemized on here because it was so many that didnt even know where to begin. They do have all the info but kept asking me jump through hoops for over a year. 
They refused to go any further and kept telling me to send stuffs over the mail to a XXXX XXXX that I never heard back from. I am at the end of the rope. This is very bad practice and this need to get out to the pubic how they ran their business.
Consumer complaint received 2023-10-21
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)

This account from XXXX XXXX XXXX XXXX  is a direct result of true identity theft, this company is in direct violation of FCRA 1681c-2, which prevents the reporting of fraudulent accounts for which this is inaccurate reporting and a violation of the law and my consumer rights. Furthermore, this company refused to provide me with the original contract they claimed that i signed, they also refused to provide me with the picture identification card used to open this account so that i could asist the investigating officer of my identity theft case. Additionally, FCRA 605B instructs credit bureaus to BLOCK the aforementioned accounts within 72 hours of being notified in which TRANSUNION, XXXX, AND XXXX IS BOUND TO DO BY MANDATE OF LEGISLATIVE LAWTHAT GOVERNS SUCH POLICY AND PROCEEDURES. THIS IS NOT A *DISPUTE REQUEST. THIS IS A REMINDER THAT THEY MUST ADHERE TO THE GOVERNING APPLICABLE LAWS MENTIONED HEREIN!
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AL)

Wrong information on the credit report. Will not show me the documents were I owe the following companies. 

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I don't own any of theses accounts.