davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-14
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. (CA)

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-20
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. (SC)

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, 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 2022-10-31
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Block, Inc. (MI)

I was able to purchase Bitcoin  though cash app for investment purposes .I filed a compliant 2 weeks ago and im still unable to send the Bitcoin where I would like it to go. My friend did it the same day and time and hers went though and mines didn't. So I would like to resolve the issue.
Consumer complaint received 2024-05-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (NJ)

According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.
Consumer complaint received 2022-10-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (CA)

On XX/XX/2022 at XXXX, pacific time, I cashed out using CashApps instant deposit feature, {$2500.00}, to my XXXX Account, card ending XXXX. Once I finished the transaction, I instantly logged into my XXXX account hoping to see the transaction finalize with the {$2400.00} in the XXXX account, and it had not went through. After about 3 business days of calling both XXXX and CashApp, I had been made aware of a newly imposed deposit limit of $ XXXX XXXX, not allowing for the transaction to go through. Though the transaction shows it was successful, the deposit had not been. I have yet to see my funds since depositing then from cashApp to XXXX. Neither of the two companies claim to have my {$2500.00} or {$2400.00} after deposited instantly fees applied from cash App. It's has been 12 days I need them to find my money and have it deposited to my account ASAP. For the past 18 days I have been told the script each company has given the representatives answering the phones. I find it ridiculous that I have allowed for such irresponsible companies to keep my hard worked earned money, when they can not seem to trace or trace where the funds are.
Consumer complaint received 2024-07-03
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)

I'm submitting this complaint regarding late payments on my credit report. Upon reviewing my records, I discovered these late payments. Despite sending inquiries over 30 days ago, I've received no response or adequate validation. I'm seeking your help to resolve this issue quickly and effectively.
Consumer complaint received 2024-05-19
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. (TX)

XXXX XXXX XXXX Account XXXX XXXX XXXX off account. I just received a copy of my credit report. To my surprise, you are reporting this account incorrectly. This collection account is reporting not only as CHARGE OFF, but also shows a past balance of XXXX. According to the FCRA, I have the right to an accurate credit report. please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion
Consumer complaint received 2023-09-19
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. (AZ)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an 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 2024-05-19
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)

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.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I recently looked at a copy of my credit report and noticed several inaccuracies on my account. I have written to this company to ask for an investigation. There has been no response in 60 days. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate.
Consumer complaint received 2024-05-20
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. (TN)

XX/XX/26 XXXX and Experian reported I had two hard inquiries, these on both reporting agencies, I put a fraud alert and freeze, I disputed that the inquiries were not done on my behalf and that XXXX still left them on there, the XXXX inquiries were done to XXXX XXXX and XXXX XXXX XXXX and the Experian inquiries were XXXX XXXX and XXXX XXXX XXXX, again only the disputes on XX/XX/26, Experian has a open dispute but XXXX didnt take more than a couple hours and did not remove these, I have the right to a accurate report and these card companies and these credit reporting agencies have a responsibility to make it right.
Consumer complaint received 2022-10-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (MD)

I opened a business account ( using company email XXXX ) in XX/XX/XXXX in order to allow customers to pay for carrier services quickly since we are a small business and can not afford a XXXX net terms. Recently I was asked for more information about our business and to verify my identity. We had already processed 10 invoices and received those payments. All information was submitted including my Drivers License, Self Picture. On XX/XX/XXXX I was notified that my account was deactivated without explanation and funds held by Square until XX/XX/XXXX. I called and was advised that i could refund funds and make other arrangements with my customer because the Square decision was final. 
It has now been seven days since I have attempted to refund my client the funds. They haven't received the funds. This appears to be a consistent compliant since 100s of complaints with the same issues has been posted with the XXXX I agree with another complaint that this is a systemic and deliberate practice to achieve an interest free loan or maybe even steal funds from customers. I would like proof that my personal information has been destroyed and immediate release of my {$1300.00}.
Consumer complaint received 2022-10-26
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. (GA)

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$12000.00} ; US DEPT ED XXXX Balance : {$5000.00} ; US DEPT ED XXXX Balance : {$6200.00} XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-20
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. (IL)

PLEASE BLOCKED AND REMOVED. 
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.
Consumer complaint received 2022-10-27
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Block, Inc. (KS)

My name is XXXX XXXX My problem is with the cash app. My cash tag is. XXXX XXXX  Cash app let XXXX fictitious companies take money out of my account when I spoke with them about it they said I had to get the money back so I worked on it to get the money back. I got some of it but then I cash app close my account. There is still bitcoins and stocks in that account which they will not allow me to get out. They said they could long no longer help me.and that it is closed I have screenshots of all the companies even the conversations that I had with cash app they refused to help me. They made me do it on my own and then when I did they close my account so I could not receive money. and now I have another account and theyre doing the same thing and allowing people to take money and not help me that is one scandalous system. this is my email address and phone number XXXX ( XXXX ) I would be grateful if you could help me with this issue Thank you oh a list of an authorized payouts XXXX XXXX. XXXX. XXXX. XXXX this did it 2 times on my account. XXXX 2 times as well if not XXXX. XXXX  XXXX XXXX XXXX. XXXX XXXX 2 times as well XXXX XXXX if you look you will see that cash app let these so called companies take money out of my account 2-3 times when I asked them to put a stop to it they did nothing!!!! And then I worked hard to get my money back but before I could get anything back cash app closed my account Thank you please help
Consumer complaint received 2022-10-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (IA)

I purchased a prepaid gift card and had it loaded with {$100.00} on XX/XX/XXXX which I then transferred the {$100.00} dollars to my Cash App account and it posted and cleared immediately. Since the transfer cleared and it was a gift card I disposed of the card. I then used the funds on various payments. I have never had a negative balance on cash app and wasnt aware a negative balance was even possible. On XX/XX/XXXX over a months time since i successfully added that {$100.00} from the gift card my balance is still not negative. I then receive an {$80.00} payment from a friend and my balance then read XXXX XXXXXXXX. I began searching for a reason why because it says I received the {$80.00} payment and I had a positive balance immediately prior to the payment. It took me two days of searching the app during my free time to come up with no answer. The next day I noticed a new transaction listed from XX/XX/XXXX that read '' {$100.00} failed! " right below the {$80.00} payment my friend had sent me on XX/XX/XXXX The app does not provide a transaction balance sheet for users to reference noti and it is difficult to locate statements because you need a XXXX and then they only tell you the balance at the beginning of the month and the balance at the end of the month and give a list of transactions They do not provide a balance after each transaction to inform a consumer of the cost of the transaction and what the balance is post transaction that would keep the consumer informed and able to identify issues. I have now spent the week going back and forth with customer service about this transaction. They say they cant help me as the payment I made over a month ago was now being disputed by the bank and I need to conItact the bank. Which isnt possible because i disposed of the gift card after the transfer to my Cash app account cleared and did not know the financial issuer or card number that was on it. I wasnt aware it was possible especially after a months time to unpost a gift card transaction.
Consumer complaint received 2024-07-03
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. (FL)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, Account # XXXX, Account # 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 602A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-05-20
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. (FL)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Experian Information Solutions , Inc. XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Unknown Creditor Reporting XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, OR XXXX Account Ending : XXXX Alleged Account Balance {$0.00} Alleged Credit Limit {$500.00} Allege Available Credit {$500.00} VALIDATION AND CEASE AND DESIST To Whom It May Concern : I received a notice from the national credit bureaus that you have listed a negative report on my credit report ; however, I have no idea who you are and have never had any business transactions with your company. If, in fact, I have an available credit of {$500.00} and a credit limit of {$500.00} and owe a XXXX balance, why on earth would you be reporting this to my credit reports? 

Can you supply me with a contract or agreement signed with your company? 

PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED WHICH IS XXXX BALANCE. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR IF THERE WAS ONE. 
PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 

Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount again showing a XXXX balance to you and that dispute should be stated on my credit report if you have reported this debt. 

PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. 

IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. Thank you for your immediate cooperation. 

______________________________ XXXX XXXX
Consumer complaint received 2024-05-19
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. (IN)

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.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX is reporting XXXX accounts late/charged off on my Experian credit report. These accounts were paid in full and were not charged off. These XXXX accounts need to be removed off of my Experian report immediately. This company has failed to show proof that these accounts were late despite numerous disputes.
Consumer complaint received 2024-05-20
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TOYOTA MOTOR CREDIT CORPORATION (UT)

I purchased a new Toyota and had financed with Toyota Financial Services. In XXXX XXXX I refinanced with XXXX XXXX XXXX Bank. The loan was paid off on XXXX XXXX XXXX. As of XXXX XXXX XXXX, Toyota Financial has not released the title to the new lender, XXXX XXXX XXXX Bank. XXXX sent me a letter stating that if the title is not received, I will be in default of my loan agreement. I contacted Toyota Financial services on XXXX XXXX XXXX. The automated system stated that additional information was required from me to process the title. I was forwarded to a representative named XXXX who said the title looked fine and that electronic title transfers just take longer and that the title would eventually be sent to XXXX.