davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (DE)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-05-31
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. (TX)

Despite my efforts, these issues are unresolved. Enclosed is my letter to the credit bureaus. Your firm called my request " frivolous '' or " irrelevant. '' This is important to me. If ignored, I will report to the FTC. Provide evidence of the item or remove it from my report immediately.
Consumer complaint received 2022-12-05
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (CA)

On Monday, XX/XX/2022, I added the same XXXX XXXX XXXX XXXX card to my Cash App profile ( that I always do ) as I was getting reading to " CashOut '' so can get cash for my am commute ( XXXX miles ) in XXXX XXXX as a local government employee. 

CashApp immediately locks my card ( account value {$810.00}, stock value {$230.00} ) and sends me bounceback messages about freezing the account for XXXX hours and they would " get back '' to me with the results of their " investigation ''. I just used the app at XXXX, XXXX, and XXXX 's the evening before to buy baby food and diapers, and now this. 

So resulting, I can't travel to work today. I called CashApp and the reps are much help as they give the same script I received online through bounceback messages. 

To say this is a problem is a grand understatement.
Consumer complaint received 2024-05-31
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. (RI)

My identity was stolen, i have no knowledge of this Collection account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DELETE ACCOUNT
Consumer complaint received 2022-12-04
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (NY)

My name is XXXX. I used Square to process payment for my business but Square decided to deactivate my account. 

I had about {$1200.00} in my Square account prior to deactivation. Then Square refunded this amount to the cardholder who sent this payment to me without my consent. 

However the cardholder told me that her bank account was closed and her bank returned the deposit back to Square. This is because once an account is closed, all deposits are always returned to the originator and that was the case. 

This funds was supposed to have come back to my Square account because it was returned back to Square by my clients back account. 

But Square has refused to give me this money. 

I raised this issue and contacted Square support and they said they would get in touch within 1-2 business days, but no success. 

A member of Square account service team responded to my case and said I would have my money on XX/XX/2022, but these are all lies. 

I need my money. 

Email associated with my Square account is XXXX XXXX
Consumer complaint received 2024-05-27
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. (FL)

No permission was given for these inquiries they have to be removed promptly. XXXXXXXX XXXX XXXX XXXXXXXX XXXX, Its wrong and needs to be removed because no permission was given. I need action taken to delete the reported issue. XXXXXXXX XXXX XXXX XXXX : Delete asap as no correct permission was granted. Investigate, purge the inquiry in questioned. I understand that I have the right, as a consumer, to dispute the accuracy of the information in my credit report, as provided by the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-21
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: Experian Information Solutions Inc. (NY)

I am writing to delete the following information from my file. The items I deleted are listed in the report. Please delete this items as soon as possible. Since they are affecting my ability to obtain credit. And I didn't Authorize those Inquiries.
Consumer complaint received 2024-06-21
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. (CA)

I reviewed my consumer reports and noticed that i had TEN late payments on an accounts 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 : ( XXXX XXXX XXXX ) : ( XXXX ) Please investigation and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be update to on time as they should be as i was NEVER late. Thanks.
Consumer complaint received 2024-05-27
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)

No permission was given for these inquiries they have to be removed promptly. XXXX XXXX XXXX XXXX XXXX, Its wrong and needs to be removed because no permission was given. I need action taken to delete the reported issue. XXXXXXXX XXXX XXXX inquiry : Delete asap as no correct permission was granted. Investigate, purge the inquiry in questioned. I understand that I have the right, as a consumer, to dispute the accuracy of the information in my credit report, as provided by the Fair Credit Reporting Act. 
XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-12-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (IL)

I filed a complaint with the CFPB about this company putting my account in the negatives a few months back for a disputed transaction that was finalized. On XX/XX/2022 I went to the post office and tried using my debit card and the transaction declined. I had the money in my balance and it did not state why the purchase declined. I messaged cashapp through the app to see why. They informed me that my card is deactivated but did not state why. They deactivated my card in retaliation to me filing a complaint about them going back on their word. If I violated the terms of service then my account should have been completely gone but instead they suspended my card causing me embarrassment in the post office.
Consumer complaint received 2024-06-23
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)

XXXX XXXX XXXX Account Number - XXXXXXXX XXXXTo Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating.

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.

Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.

2. The date you contacted the individual funishers of information.

3. The method of communication you used to verify the information.

I would also like to know if the furnisher provided you with my SSN, address or DOB.

Please forward an updated credit report to me after you have completed your investigation and corrections. 
Your cooperation and prompt attention are required by law.
Consumer complaint received 2024-05-03
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. (PA)

I believe FCRA 605B mandates the removal of any erroneous accounts from my credit report. Could you check the documents, please? Some of the accounts listed have inaccuracies in their reporting, including incorrect amounts and dates.
Consumer complaint received 2024-05-27
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. (NY)

I'm disagreement with the account listed below with my credit report still appearing, even after your investigation. I would like item immediately- re-investigated. the inaccuracies are highly to my credit score. 

XXXX XXXX XXXX XXXX in accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Sections 611, please provide the name and business addresses of each individual with whom you verified above so that I may follow up. Please send an updated copy of my credit report after your re-investigation
Consumer complaint received 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-05-27
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. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2022-12-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc. (NY)

On the morning of XX/XX/XXXX I sent XXXX dollars to a Cash App user $ XXXX mistakenly. I meant to send it to $ XXXX and I did send it again to the correct person a few minutes later. Clearly the similarities in the names is what caused the confusion but I immediately let Cash App know about my mistake and they asked a few questions but actually never did anything about it. They said I had to send a refund request to the user who got my money even though this person is a stranger and basically I had to wait for them. This did not sit well with me and I heard from them again when they said they wouldn't do anything else. I read their Terms of Service and this person has 15 days to claim the funds so on the XXXX day I reminded them of that and within minutes I now had a REFUND denied message from the user that got my money. I sent them a cash request for the XXXX dollars with a note saying I sent it by accident and it has been ignored. 
Cash Apps Terms of Service Part V Peer to Peer Payments, Section XXXX Invalid XXXX Payments gives them total permission to reverse this payment and return my funds but they have not. I can not afford to lose XXXX dollars. Please help.
Consumer complaint received 2022-12-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Block, Inc. (VA)

Today XX/XX/22, we have gotten another phone call as has my grandparents about a debt that I do not owe. They claim I owe money from cash app/ bad check. 
I dont have cash app at all, havent written a check in many years. They REFUSE to listen to, talk so fast and swear I owe it. VERY rude to me and grandparents. Have even said warrant will be issued for bill. 
I have checked all my credit reports and there is nothing suspicious on it. Its perfectly fine. 
Im so sick of getting these calls and my grandparents as well. 
I have even called cash app. They verified I dont have an account, plus said if I did owe money theyd call me personally. 
Also my bank has NO record of this- bounced check, anything about cash app. Believe me IF I had written check that bounced my bank would have notified me immediately, also would have taken the money out of savings to cover it. 
Thank you for taking care of situation.
Consumer complaint received 2024-05-27
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. (FL)

15 U.S. Code 1681c-7, a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information thus from an alleged identity theft, not later than 4 business days after the date reception. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!!! Please delete these items IMMEDIATELY!! These accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S.Code 1681b- Permissible purposes of consumer reports in general to subsection any consumer reporting agency may furnish a consumer report under the following circumstances and no other. In accordance with the WRITTEN INSTRUCTIONS consumer to whom it reaches. I NEVER GAVE any consumer reporting agencies to report anything on my consumer report which violates my rights as a consumer. NO CONSENT IS IDENTITY THEFT. As a consumer who is demanding the deletions of the accounts listed IMMEDIATELY!!!
Consumer complaint received 2023-03-16
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. (IL)

in accordance with the Fair Credit Reporting act Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account numberXXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number XXXX XXXX Account name : U.S. DEPARTMENT OF EDUCATION Account number : XXXX Account name : XXXXXXXX XXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX I Account number : XXXX Account name : XXXX XXXX XXXXXXXX XXXX Account number : 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
Consumer complaint received 2024-05-03
Product: Credit card — General-purpose credit card or charge card
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. (PA)

Timely payments are always a priority for me, and I am certain about this. However, I am unsure why this company is reporting me as late in certain months, which should not be the case. According to USC 1666b, any billing error should be corrected, or they will be liable to pay me {$1000.00} for each account reporting inaccurately.
Consumer complaint received 2024-05-27
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. (NY)

I have lost count of the number of letters I have sent to your bureau regarding my status as a victim of identity theft, as my concerns have yet to be fully resolved. Once again, I am disputing the fraudulent information that is adversely affecting my credit file. Despite my submission of the required FTC complaint, your bureau continues to report these fraudulent accounts on my credit report. I want to emphasize that I have already contacted the banks associated with these accounts, submitted the necessary documents, and had the accounts promptly deleted from their records. Moreover, other credit bureaus have already removed these accounts from their records following the submission of the FTC complaint. Therefore, I am curious about the verification process your bureau employed to continue reporting these fraudulent accounts. Please DELETE these accounts : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-06-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (CA)

This is my third complaint. Keep your home CA ( KYHC ) is assisting me by paying {$3000.00} towards my payment. Their portion arrives towards the end of the month and my portion is due on XX/XX/XXXX. My XX/XX/XXXX was paid on XX/XX/XXXX. On XX/XX/XXXX I had to follow up since my payment was still showing as unapplied. XXXX XXXX, employee of Nationstar replied on both prior complaints therefore I reached out to her via email about the payment not even being applied yet. She responded on XX/XX/XXXX that I should see it updated in 48 hours. It was not applied so called and voicemail indicated she was out of the office until XX/XX/XXXX. I called their customer service, which never can do anything but open a " request '' to have my payment applied. On XX/XX/XXXX, I received a response from XXXX state that the payment has now been applied and that KYHC is not requiring the payment to be posted on XX/XX/XXXX. Frustrated, I looked up my payment activity and confirmed the payment had been applied as of XX/XX/XXXX. I then responded to XXXX to indicate, I have never said that this was a KYHC law but part of the CFR that payments should be applied timely. It seems because I am receiving government assistance that I am not treated fairly. I have to notify them each month that payments are all in so that someone can manually post them to my loan and almost each time, they are not back dated to the date the entire payment was received. Please note, I understand it takes time to put the payments together and apply but if it takes them over 3 weeks, just post it with the correct effective date when the entire payment was received. <P/>Today, I received a call from KYHC that they were requested by Nationstar to tell me it was not their requirement to back date payments. They also told me that Nationstar does n't have the ability to back date or it takes extra steps. I apologized to KYHC as this has nothing to do with them and asked her to please notify Nationstar to explain " why '' they are refusing to be compliant with the reg and not posting my payment as of the date it was received to the CFPB. The ongoing excuse is we are not reporting you as late or charging you late charges etc. I in fact do receive late notices which in turn I have to contact them to fix the payment each month if I fail to notify them that the payment has been received by them. <P/>Last complaint was responded to on XX/XX/XXXX indicating that it was error and it was corrected. <P/>Prior compliant was XX/XX/XXXX and all prior errors were corrected. As previously stated I still had to contact, XXXX XXXX to notify her the payments were made and she would follow up to ensure they were applied and backdated. XXXX continued this for about a year until the Hardest Hit Department started to refuse to fix the payments in XX/XX/XXXX which lead to my second complaint. Despite no late charges this year, there was one last year which they finally reversed.