davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C.

1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 
Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).
Consumer complaint received 2023-08-25
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. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-26
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. (FL)

Hello, I am writing because Im desperate, I have been dealing with this matter since XX/XX/2022. I had went on vacation to XXXX for my birthday and had my cash app card stolen from a restaurant which I know for a fact they have my card and someone from the restaurant made transactions on my card!!! I was walking by the restaurant and asked for someone for directions I opened my purse a few things fell out which the person I spoke to worked for the restaurant seen when I was trying to open my purse and everything fell out. I have tried for weeks to get help with cash app to get my funds back but, they have taken me through XXXX! They put these unprofessional and scam bots on these calls which keeps going into circles. I had to borrow money from my mother because the funds they stole where taken from my living expenses. I feel so undefeated and these people do not care. Please help!!! Thank you!
Consumer complaint received 2023-09-15
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (MN)

About XXXX months or so ago I agreed to an offer American Express was offering for XXXX Membership Rewards ( MR ) for opening a Business Gold Card and spending {$10000.00} within 3 months. I met the spend requirements and received the MR . Per my usual process I moved those MR to XXXX XXXX. 

Move forward about 3 months and I see my MR balance is XXXX. I contact Amex and they tell me to call their MR number. I do and the lady said they are investigating and would send me the reason and resolution steps in 7 days via mail. I never received anything. 

I called again, and was told I didn't meet the spend on the card and no way to reverse. I ask to investigate as I met the requirements and wanted to know what happened. They said ok and will get information in writing in 7 days. This never came. 

I then chatted with the online rep who told me to call again. I said I have tried and they can not do anything. 

So now I am stuck with a XXXX MR balance, no way to resolve the issue. I am not able to open any new Amex cards nor refer anyone. Amex is treating me like I am a criminal and did something wrong, but they can't tell me what or how to fix. 

I have been an Amex member for over 16 years without issue prior, spent a lot of money on their cards. I don't deserve this type of treatment, let alone not even being clear on what I did or didn't do. 

My ask from Amex is to wipe the negative XXXX balance of MR to XXXX, and remove the limitation of new Amex cards.
Consumer complaint received 2022-11-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (MN)

i brought something from a merchant on cashapp. I sent this person {$150.00} and they wont give it back so the companies told me i have to get it back from the seller, but they seller wont give it back. the merchant did not send the product and stop answering my calls. cashapp told me there was nothing they can do about it. my card company ( XXXX, XXXX ) told me there is nothing they will do about it. i was scammed out of my money and every company is telling me they wont do anything about it. they did an investigation and found no error. I dont know how me getting scammed was no error but i want my money back.
Consumer complaint received 2023-11-30
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: GOLDMAN SACHS BANK USA (TX)

On XX/XX/2023 my credit card was charged {$120.00} for my normal XXXX XXXX for the month of XXXX. 

A few days later I got a extra charge on XX/XX/2023 for {$160.00} charged by XXXX. 

Another few days later I received another charge on XX/XX/2023 for {$160.00} charged by XXXX. 

I contacted XXXX and the agent I talked to did not see the charge on my account and told me to contact my credit card company ( Apple Credit ). 

I disputed the charges with Apple Card for {$160.00} and {$160.00} and sent copies of my XXXX bill as proof that these were fraudulent/erroneous charges and the dispute was rejected. 

My bills for XXXX around this time frame were the following which shows up on my credit card which are accurate. 

XXXX bill for {$100.00} paid on XX/XX/2023. 
XXXX bill for {$120.00} paid on XX/XX/2023. 
XXXX bill for {$130.00} paid on XX/XX/2023.
Consumer complaint received 2023-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Early Warning Services, LLC (FL)

I opted out of Early Warning products and services XX/XX/2022 and yet they are still reporting false information. Then throwing the buck on XXXX XXXX XXXX. XXXX claims they did not report such incidents to them now having verified through a previous banking transaction it has been confirmed that they are still reporting false information. When speaking to them them about it I was laughed at and denied a higher tier request. You guys have peoples lives in your hands its not funny at and should be handled accordingly.
Consumer complaint received 2024-07-08
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. (FL)

YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section.
Consumer complaint received 2024-05-17
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. (LA)

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 XXXX  XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. I feel like I'm being taken advantage of and being ignored. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable collection account that is kept to be established as correct. I am in desperate need of this item to be INSPECTED and REMOVED. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (FL)

I recently opened a account with cash app, to receive money from my son to put in my bank. It ended up paying but twice so I sent one back and it took it out twice. I ended up with a XXXX bal. I tried to get the thier customer service to help but they don't. On the XXXX of XXXX. I tried to put the balance in my bank. Thier site is very confusing I put send XXXX to my bank. Within mins it sent to someone called XXXX I request the money back with in minutes. Talked to customer service viva Chat and also on the phone. Basically they said too bad. I could call the person. No number, or email address. I don't know this person sent requests to them yesterday and today for my money back. I have XXXX for years you have to have persons name and email to send money. If it isn't a business. XXXX XXXXl with dispute the transaction with the other party. When you call cash app you get a recording. They will call back could take hours. Also the time sent on my receipt was hours before I sent it. This company takes no responsibility in anything. How can I get my money back they chose the name from my bank. Thank you XXXX XXXX
Consumer complaint received 2023-08-01
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: Experian Information Solutions Inc. (FL)

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-10
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Neon Newco Corporation (PA)

I bought a NetSpend card to pay a bill. There were no warnings that I wouldn't be able to access my funds. There is not immediate use to the card which is false advertising. Due to me having an account before, I had to verify my identity using a state issued identification card and my demographics. They said the account is still in fraud and they are unable to activate the card or give me back my funds for immediate use. The bill had to still be paid taking the last of my funds for my son 's XXXX birthday today. They are saying I have to receive a check that takes 15 days and I can't be refunded the {$2.00} I paid for the card. This was fraud, theft, and false pretenses. I tried to get a refund from XXXX where I bought and loaded the card. They stated it was nothing they could do. They are funneling people 's money for their own benefits without delivering the service and goods. This was an unfair practice that honestly gave me no resolve.
Consumer complaint received 2023-08-25
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. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-19
Product: Payday loan, title loan, personal loan, or advance loan — Pawn loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC (GA)

The company store I originally applied for the loan with has XXXX XXXX, Ga at Titlebucks. Theyve switch several employees consistently. They informed about a rollback payment option that would help me pay my renewal without the risk of getting my vehicle picked up. The new round of employees are now starting that there is no rollback option and that they have no idea what Im talking about. The practices that this company has been doing is absolutely ridiculous. They are stating that I am 55 days late but the corporate office is only stating that I am 31 days late. This is what doesnt make sense. I paid the rollback renewal for XXXX and should be paying XXXX but they are refusing to acknowledge that. Along with charging fees that I was unaware of and making me renew the loan each time I do a renewal payment. I have XXXX kids and this loan has made it harder for my family overtime. Ive paid over XXXX XXXX dollars including the XXXX I paid in XXXX to receive my vehicle back. Pawn fees, etc were never informed to me when originally applying for the loan. The lady pushed a higher loan on me then applied for also. This has been a difficult situation to go through and its making things harder for my family to survive. They also have another loan in my name that I didnt take out that they keep contacting me about. Company has put me in default since my initial complaint and working against me.
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

This is XXXX XXXX and I am submitting this CFPB complaint to you today to inform you I that I have been a victim of fraud and that the accounts reporting the Credit Bureaus reporting are fraudulent. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts which do not belong to me or were opened without my permission : XXXX XXXX Balance : {$12000.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1500.00} XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2200.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$820.00} XXXX ( Original Creditor : XXXX XXXX XXXX Balance : {$820.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the fraud, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Upstart Holdings, Inc. (TN)

Upstart issued a {$4000.00} line of credit to an ONLINE FRAUDULENT IDENTITY THEFT person who claimed to be myself. Loan apparently taken out/issued on XXXX On that date, I was already XXXX XXXX XXXX as XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX. I am currently XXXX XXXX & my mother has POA. Upstart REFUSED to discuss ANY details on this loan with her, even though she is LEGALLY bound POA while I am enlisted. Upstart demands a police report - which they have been told REPEATEDLY THAT THERE IS NOT A POLICE REPORT filed since loan was fraudulently obtained online. My employer & residential address were INCORRECT but loan was STILL GRANTED with my full name & social security/dob. My POA has been working with all 3 credit bureaus to get this investigated/disputed/removed from my credit report. The derogatory comments from Upstart have not only RUINED my credit, but now my XXXX XXXX XXXX is in jeopardy & my XXXX rank are all being affected. After documentation was sent to Upstart by my POA, proving this loan is FRAUDULENTLY in my name & social security #, SEVERAL different times, Upstart STILL REFUSES TO REMOVE loan from my credit. I was forwarded to this site by XXXX ( via my POA on phone conversation XXXX  ) representative, stating once this is filed & received in paper form by XXXX XXXX that THIS LOAN WOULD BE REMOVED FROM MY CREDIT. I had already filed a complaint with XXXX  & FTC in XXXX XXXX  & 4 dispute/investigations later, the Upstart loan is STILL ON MY REPORT. Please help me rectify this erroneous fraudulently obtained line of credit loan by removing this from my credit.
Consumer complaint received 2023-08-25
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)

This is XXXX XXXX and I am submitting this CFPB complaint to you today to inform you I that I have been a victim of fraud and that the accounts reporting the Credit Bureaus reporting are fraudulent. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts which do not belong to me or were opened without my permission : XXXX XXXX Balance : {$12000.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1500.00} XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2200.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$820.00} XXXX ( Original Creditor : XXXX XXXX XXXX Balance : {$820.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the fraud, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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.