davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-06
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: EQUIFAX, INC. (GA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX Balance Owed : {$16000.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$3400.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$7400.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$940.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$2000.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-24
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

In XX/XX/year>, Bank of America called me informing me that the account was blocked for reasons of suspected fraud, from a client who placed an order and wire transferred {$60000.00}, invoice XXXX XXXX and we are still in contact with the client and I have all the documents of the wire transfer, but on many occasions, I have contacted Bank of America and several XXXX  but they all tell me something different but I do not have an explanation where the funds are and when they will send it to me, it is a total of {$240000.00} my company has received XXXX  and XXXX  payments of less and more amounts for more than XXXX XXXX. I need an explanation and the funds as soon as possible since it is due to the capital of a small company that has XXXX  expenses.
Consumer complaint received 2022-05-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc. (MN)

Hello, my cashapp account was hacked on XX/XX/2022 and {$250.00} dollars was stolen. Cashapp support has told me several times that someone will reach out to me but it has been 15 days. I have tried contacting them but they only say someone will reach out and then thats it. I have tried reporting the transaction but nothing has worked.
Consumer complaint received 2023-07-03
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: EQUIFAX, INC. (TX)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-01-24
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY (NY)

I'm in the process of getting a home so I recently started paying close attention to my credit report and started building my profile as I realize there was a closed credit card on my credit report from well Fargo, but what was strange was not only the account was fraudulent, the account wrote down a fraudulent name, my name is XXXX XXXX but the account is under XXXX XXXX, but my social was used to acquire this credit card and I'm writing this report to have this removed immediately it has caused my financial stress.
Consumer complaint received 2024-04-25
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: EQUIFAX, INC. (GA)

After reviewing my credit report, I have noticed hard inquiries I do not recognize I ha contacted all XXXX CRAs, and they refuse to dispute or investigate the inquiries Attached an XXXX report indicating all of the unauthorized inquiries ( including in the personal statement section ) that should be removed from my credit profile. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurer that are not initiated by consumer ( 3 ) Information regarding inquiries Exc in section 15 USC 1681q ( a ) ( 5 ) of this title a consumer reporting agency s to any person a record of inquires in connection with a credit or insurance transaction that is not initiated by a consumer.
Consumer complaint received 2024-05-04
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. (MO)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-02-15
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: CAPITAL ONE FINANCIAL CORPORATION (CO)

I filed for bankruptcy in 2015. I have zero debt since then and have purchased a van that my sister cosigned for my current credit score is XXXX every time I try to sign up for capital ones credit card with no hit to my credit score XXXX XXXX And the rest of them say my credit score is zero and or I have no history!! 
Ive worked very hard to make sure I made all my payments on time and have contacted the credit union that shows I am paid in full yet all of the credit score people say the same thing my credit score is zero I have XXXX XXXX, which shows me that my credit score is XXXX according to XXXX my credit score is XXXX yet when I order a credit Card with no hit to my credit score it always comes back zero Sorry Im on XXXX and Ive never never asked for more than {$1000.00} credit card.
Consumer complaint received 2024-01-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (VA)

On XX/XX/2023 my credit card was stolen and used to fraudulently purchase a XXXX XXXX for {$15000.00} at XXXX XXXX in XXXX XXXX, VA. I reported this to Chase who cancelled the card. Since then Chase has refused to declare the event fraud and credit me with the money despite the XXXX XXXX Director filing a letter with Chase which declares the purchase fraudulent, absolves me of the purchase and declares that a store video showed the purchaser of the watch to be a fraudster who is well known to that store. Learning that Chase has this letter I requested two weeks ago that they furnish me with a copy but to date I have still not received this letter.
Consumer complaint received 2023-03-25
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. (PA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXXXXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I am contacting XXXX XXXX and informed them that the information that they are reporting is unlawful. I asked them to remove. It is not my account nothing was done. 
XXXX XXXX XXXX XXXX COLLECTION/CHARGEOFF Personal Loans {$220.00} Status Date Reported XX/XX/XXXX Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due {$220.00} Account Details Account Type Secured loan Responsibility Individual Original Loan Amount {$1400.00} Date Account Opened XX/XX/XXXX Date Account Closed XX/XX/XXXX Payment Details Amount Past Due {$220.00} Date of Last Payment XXXX XXXX XXXX Monthly Payment {$0.00} Term 6 Payment Frequency Monthly ( every month ) Worst Pay Status Unknown Lender Info XXXX XXXX XXXX XXXX, VA XXXX XXXX Charged off as bad debt. Dispute resolved ; customer disagrees.
Consumer complaint received 2024-02-14
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NJ)

My account fully paid {$41.00} closed, brought forward a balance of XXXX cents; offered to pay it to stop sending statements .Now asking added late fee & interest charges on XXXX cents amounting {$45.00} appr, that is an outrageous rate & extortion.Not a business.

Account was closed because oil change {$25.00} off promotion was not given either by. Store or by credit card. That was first purchase on card.
Consumer complaint received 2022-04-11
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. (NC)

Disputing 3 chargers from my cashapp account/card I did not do XXXX  for {$28.00}, XXXX XXXX for {$23.00} and {$33.00} and cashapp hasnt done anything to resolve my issue.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

I am writing to file a formal complaint against XXXX  XXXX for their repeated violations of the Fair Credit Reporting Act ( FCRA ), specifically regarding the unauthorized furnishing of my transaction history to third parties ( XXXX XXXX And Equifax ) without my explicit consent. 

The FCRA, as codified in Title 15 of the United States Code ( U.S.C. ), Section 1681 et seq., clearly outlines the responsibilities of consumer reporting agencies, including credit card companies, in ensuring the accuracy and privacy of consumers ' credit information. Moreover, the Privacy Act of 1974 reinforces the protection of individuals ' privacy rights by imposing restrictions on the collection, use, and dissemination of personal information by federal agencies. Section 1681b of the FCRA explicitly mandates that consumer reporting agencies may only furnish consumer reports to third parties with the consumer 's consent or as otherwise permitted by law. 

Despite the clear provisions of the FCRA, XXXX XXXX has repeatedly furnished detailed information about my transaction history to third parties without obtaining my explicit consent, thereby violating my rights under federal law. This unauthorized sharing of my financial data not only compromises my privacy but also exposes me to potential risks of identity theft, fraud, and other forms of financial harm. 

Furthermore, Section 1681s-2 of the FCRA imposes additional obligations on furnishers of information, such as XXXX XXXX, to ensure the accuracy and integrity of the information they provide to consumer reporting agencies. By negligently disclosing inaccurate or unauthorized transaction history, XXXX XXXX has failed to fulfill their obligations under this section of the FCRA. 

In light of these violations, I kindly request that the Consumer Financial Protection Bureau ( CFPB ) take immediate action to investigate XXXX  XXXX 's practices and compel them to cease the unauthorized furnishing of my transaction history to third parties. Additionally, I urge the CFPB to impose appropriate penalties on XXXX  XXXX for their non-compliance with the FCRA and to provide me with remedies for the harm caused by their actions.
Consumer complaint received 2024-05-05
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. (LA)

To Whom It May Concern : I am writing to inform you that I have been a XXXX XXXX XXXX XXXX  and therefore I am challenging the reporting and compliance of my credit report.
Consumer complaint received 2023-05-01
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. (FL)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, FL XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$14000.00}, XXXX XXXXXXXX Balance : {$12000.00}, XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$21000.00}, XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$14000.00}, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-02-06
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: ALLY FINANCIAL INC. (IN)

Credit report has my SSN wrong..Banks etc my money I still have not received my mortgages was closed on me..Also my car was taken from me..An my home was taken from me at the time I was living in it a was homeless along with other property.
Consumer complaint received 2024-01-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY (PA)

On XXXX XXXX XXXXXX/XX/year> XXXX charges were made on my credit card ( one for {$99.00} and two separate charges for {$290.00} ) from XXXX XXXX XXXX XXXX and I was immediately notified from Wells Fargo that it was potentially fraud. They contacted me through text message asking if I had made these charges and I immediately responded no since I had never heard of the company nor authorized the charges and they immediately froze the account and issued me a new card. About a month later, they contacted me saying as a result of their investigation they were unable to confirm fraud even though I have the screenshot of the text message where I said this was not me who made these three charges and that they were completely unauthorized and a police report that I have since filed. I have paid off all remaining debt that I had on that card except for those three fraudulent charges which is now being investigated for a third time since I had them reopen the case.
Consumer complaint received 2023-05-01
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)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$14000.00}, XXXX XXXXXXXX Balance : {$12000.00}, XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$21000.00}, XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$14000.00}, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-08-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score. 

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Consumer complaint received 2022-04-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Block, Inc. (AL)

I attempted to add money to cashapp from my checking account this evening, as my cousin was stranded and needed funds utgently. I didn't do anything unusual. Cashapp locked my account because they said " we detected unusual activity ''. There was nothing unusual about anything I did. When I contacted them, the representative, probably a bot, said it would be 48 hours before my account would be unlocked. That is outrageous and unacceptable!
Consumer complaint received 2024-01-24
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. (MD)

I reviewed my consumer reports and noticed that I had ( Insert Number of Late Payments ) late payments on an account that I was never late for. The 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 accounts that I have included screenshot inside this complaint in on dates of [ XX/XX/22 ]. 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 paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see the attached screenshot.
Consumer complaint received 2024-04-25
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: EQUIFAX, INC. (GA)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2024-05-04
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. (AZ)

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 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.