davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (NY)

On XX/XX/20, I noticed discrepancies in my checking account. I immediately contacted my bank and closed my bank card. I then made numerous attempts to the CashApp in which I was directed to contact XXXX XXXX. By attempting to contact XXXX XXXX   proved to be futile except for hearing announcement indicating that there seem to be scams going on with CashApp. 
When I contacted my bank, they wanted a history of the transaction from CashApp in which there was none that I could have located. I then decided to file a complaint with cfpb for resolution. 
This is the history of the activity in question regarding my checking account that is affiliated to my CashApp. 
On XX/XX/20, there was a {$500.00} deposit into my CashApp. id # XXXX. On XX/XX/20, {$10.00} was taken out of my checking account, id # XXXX. On XX/XX/20, I sent {$50.00} to my son 's teacher via CashAp : id # XXXX. On XX/XX/20, an amount of {$14.00} was taken out of my checking account, id # XXXX. On XX/XX/20, I noticed {$19.00} was taken out from my checking account id : # XXXX and on that same date, XX/XX/20, for the same amount, {$19.00}, same id # XXXX. Then, on XX/XX/20, {$14.00} was taken out, id # XXXX. On XX/XX/20, I received {$500.00} from CashAp id # XXXX. On XX/XX/20, {$19.00} was taken out from my checking account that is affiliated with my CashApp, id # XXXX. On that same date, XX/XX/20, another transaction for {$26.00} was again taken out from my checking account, id # XXXX. On XX/XX/20, {$19.00} was again taken out id # XXXX. On XX/XX/20, {$26.00} was again taken out form my checking account, id # XXXX. On XX/XX/20, {$46.00} was taken out again, id # XXXX. Then on the same date, XX/XX/20, {$49.00} was taken out of my checking account again, id # XXXX. Another transaction took place on the same date, XX/XX/20 for {$49.00} again, id # XXXX. On that same date, another transaction took place for the amount of {$49.00}, id # XXXX.
Consumer complaint received 2023-11-11
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. (NC)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX {$1100.00} ; XXXX XXXX XXXXXXXX Balance : {$940.00} ; XXXX XXXX XXXX Balance : {$880.00} ; XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$3700.00} ; XXXX XXXX XXXX XXXX Balance : {$730.00} ; XXXX XXXX XXXX : {$780.00} ; XXXX XXXX
Consumer complaint received 2023-04-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (MP)

Dear Sir/Madam, I am writing to submit a formal complaint against PayPal for suspending my account without any clear reason or explanation. My name is XXXX XXXX, and I have been a loyal user of PayPal for several years. I have always followed the terms and conditions of the platform and have never violated any of its policies. 

However, I received a notification that my account had been suspended. I was not given any explanation as to why my account was suspended, and I have not been able to access my funds or use my account since then. I have attempted to contact PayPal multiple times to resolve this issue, but I have not received any clear response or explanation. 

As a result of this suspension, I have been unable to make any transactions or access my funds, which has caused significant inconvenience and financial hardship. I have also lost trust in PayPal as a secure and reliable platform for conducting financial transactions. 

I am seeking your assistance in resolving this issue as soon as possible. I request that PayPal provides a clear explanation for the suspension of my account and restores my access to my funds. I also request that PayPal takes steps to prevent similar issues from occurring in the future and provides better customer support services to its users. 

Thank you for your attention to this matter, and I look forward to hearing from you soon. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

Good Whatever, My name is XXXX XXXX and I am filing this complaint because this is the XXXX  time that I filed my claim when my identity was stolen and no action has been taken. Credit bureau has not been sending any mail responses to my disputes nor have these companies. At this point I feel like my rights as a consumer are being violated. I am the victim in this situation and I can not even get the proper help or response from the companies who oversee credit reporting. If no further action will be taken, I will pursue legal action
Consumer complaint received 2023-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PR)

On XX/XX/XXXX I submitted An investigation With XXXX XXXX And Experian for the Account XXXX Credit Card with account XXXX  # XXXX ( XXXX XXXX XXXX of XXXX XXXX By XXXX XXXX XXXX the investigation was not even completed and the account is still on my credit it id a fraud account and should be removed inmediately. Please kindly assist with this matter. 

previously disputed I do not agree with findings and the time taken
Consumer complaint received 2023-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

On XX/XX/XXXX I submitted An investigation With Transunion XXXX And XXXX for the Account XXXX Credit Card with account XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX By XXXX XXXX XXXX the investigation was not even completed and the account is still on my credit it id a fraud account and should be removed inmediately. Please kindly assist with this matter. 

previously disputed I do not agree with findings and the time taken
Consumer complaint received 2019-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CO)

XXXX ; Experian and XXXX are reporting incorrectly a charge-off in the amount of {$1800.00} on the XXXX XXXX XXXX  account number XXXX. ( Please see page attached from my credit report. ) The vehicle was involved in an accident and was deemed a total loss. I had GAP insurance which covered the remaining balance. I have attached a copy of the GAP insurance policy from XXXX XXXX. There is no outstanding balance due and therefore there is nothing to charge-off. This false reporting of a charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2023-04-18
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. (PR)

XXXX XXXX XXXX XXXX : 1. Submitted on XXXX XXXX, XXXX  File number : XXXX Completed on XXXX XXXX, XXXX  ITEM IN DISPUTE : XXXX XXXXXXXX XXXX XXXX DISPUTE REASON : I have no knowledge of this account. 

CONTACT INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX RESULT : Disputed information was verified as accurate XXXX investigated your dispute but the information was verified as accurate. Other information was also updated.
Consumer complaint received 2023-04-18
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (PR)

Comenity Capital Bank sold to XXXX XXXX XXXX a credit card balance of {$600.00} for purchases allegedly made at the XXXX XXXX XXXX XXXX XXXX  by me. 

The reality is that I never have had a credit card account with XXXX, XXXX and XXXX, nor I have ever received a statement of account or any collection communication from such store or Comenity regarding any credit card outstanding balance. 

As a result of this my FICO score has plummeted from XXXX to XXXX and increased the cost of credit of my new loan applications.
Consumer complaint received 2023-06-09
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: Experian Information Solutions Inc. (PR)

I received my credit report on XX/XX/XXXX XXXX and noticed there were hard inquiries that don't have permissible propose to be on there. These hard inquiries are hurting me for getting approved. I already reached out to the credit bureaus multiple times and they keep violating my rights under 15 USC 1681 B. I have also attached the inquiries that don't have no purpose to be on my credit report.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (TN)

Accounts were supposed to be in differed status, somehow there was a laps in deferral causing there to be a late payment on my accounts. I have tried reaching out to work on getting the late payments removed as my account has been in good standing for a long time but unable to get help, my student loans have changed providers multiple times it can be hard to keep track of the provider.
Consumer complaint received 2024-04-11
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. (TX)

On XXXX XXXX, 2024 I noticed inaccurate information on my consumer report and sent a notice of dispute requesting an investigation be completed by the XXXX major credit bureaus. Included in the dispute were XXXX XXXX XXXX & XXXX XXXX XXXX ; XXXX. After the investigation procedures were completed, the results were sent XX/XX/year> and Experian determined it would remain on my report. On XX/XX/year>, I sent a notice of dispute to Experian requesting validation of the allege debt pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ). I explained that If their offices fail to respond to the validation request within XXXX days from the date of the receipt, all references to the account must be deleted and completely removed from my credit file. Not only did they not respond within XXXX days, which is required under the FCRA, but they didn't send any requested documentation validating I owe the allege debt required under the FDCPA. On XX/XX/year> I sent Experian a final notice explaining their completely unfair use of my consumer report and disregard for reporting accurate information according to the law. I explained how their continued reporting of invalidated information to my consumer report might constitute fraud under Federal and State Laws and my potential intent to sue should the issue not be rectified immediately by Experian 's offices.
Consumer complaint received 2023-06-07
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: Experian Information Solutions Inc. (PR)

I received my credit report on XX/XX/XXXX and noticed there were Hard inquiries that don't have permisible purpose to be on there. These Hard inquiries are hurting me in getting approved. I already reached out to the credit bureaus about this multiple times, they keep violating my rights under15 USC 1681b. The Hard inquiries that are in question are the following : 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
Consumer complaint received 2023-06-07
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. (PR)

I received my credit report on XX/XX/XXXX and noticed there were Hard inquiries that don't have permisible purpose to be on there. These Hard inquiries are hurting me in getting approved. I already reached out to the credit bureaus about this multiple times, they keep violating my rights under15 USC 1681b. The Hard inquiries that are in question are the following : XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX  XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX
Consumer complaint received 2024-05-03
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)

I reviewed my consumer reports and noticed that i had 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 : XXXX 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. I dont believe I was 30 days late from the due date, please investigate and provide me proof for that too.Thanks! Please see screenshots attached :
Consumer complaint received 2023-06-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TD BANK US HOLDING COMPANY (PR)

Hello, My name is XXXX XXXX XXXX XXXX paying a car is in my dads name but my father pass away in XXXX XXXX I notify TD Finance that my pass away that i need information is this account have a insurance policy and was i the next step. I keep writing to them that i dont have any information of this account, i been paying and i dont have any proof of my payments, balance, and I still waiting is this account have any insurance policy and the next step. In XXXX XXXX they ask me for the death certificate and the beneficiaries declaration and nothing more. I been paying without any proof of payments or account information and I been asking for a moving certification because i have to move to XXXX XXXX and nothing happen. I need help asap because I just decided not to pay anymore. Account # XXXX
Consumer complaint received 2023-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (PR)

I have a car loan with XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, PR XXXX. This installment account I've had for years and is an automatic debit to my checking account for the montly payment and recently I saw that in my credit report, the account was about to become a charge off. I called the bank and have not been able to get a clear answer. Then I have tried to dispute it to the bureaus with all the evidence that I have from the bank and I have not heard or had a response from the bureaus or the bank. 
I had to make a formal complaint to State Financial Institution regulator in order to complain on the mishandling of my financial information. This violates my rights as a consumer to have the correct information being reported on the credit report. 

Attached all the evidence. 

Please advise,
Consumer complaint received 2024-04-11
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. (NJ)

This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX XXXX IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PR)

I did a letter on XXXX and sent it on XXXX to XXXX XXXX XXXX XXXX, Experian tracking # XXXX, XXXX XXXX XXXX XXXXXXXX requesting the deletion of the account based on inaccurate information. The payment history is completely inaccurate and the bank deleted or wrongfully reported information to prevent deletion and prolong the account on my credit report. I missed a few payments in XXXX and did a payment of {$640.00} on XXXX to cover part of the amount due at the time. The bank did not report any payment for XXXX or XXXX to prolong this account on my credit report and prevent deletion. Now, I provide evidence of payments that were not reported.
Consumer complaint received 2024-04-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SANTANDER HOLDINGS USA, INC. (PA)

For approximately the past XXXX years I send an online transfer from my account to my sister once a month. During the past XXXX  months the request is put in review and and the money doesn't transfer. I call the XXXX number they provide to get the funds transferred and I am told it will be sent, it does not happen. So the past XXXX  months I need to go to the Santander branch XXXX and have him make call to have the transfer completed.
Consumer complaint received 2023-04-10
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. (PR)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter by certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXXXXXX XXXX XXXXXXXX, MD XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX MD XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, PR XXXX, XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PR XXXX, XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX XXXX Balance : {$3400.00}, XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-05-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc. (IL)

My brother lives in Texas and he send me money through Cash App. In XXXX XXXX XXXX {$79.00}. And its said the money was successfully deposit. But never was deposit in my account. Then in XXXX. XXXX XXXX he send me {$25.00}. And XX/XX/XXXX he send {$140.00}. And I told him not to send me more money though this app, because they never deposit the money. I send several emails to this company never respond. I try to reach them in several websites. XXXX, XXXX, XXXX. Email. But non one respond. I read several comments through these apps and Im not the only one who is trying to reach them.. they taking money from taxes also. This company is taking money from people, who really need it in this time.
Consumer complaint received 2024-07-19
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)

The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my XXXX  well-being, disrupting my sleep and peace of mind. With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of this matter.
Consumer complaint received 2023-04-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (PR)

I have been a Western Union Customer since many years ago. On XX/XX/2023, I have been a Fraud Victim by sending money thinking I was going to get a loan ( Transaction Number XXXX ) for the amount of {$380.00}. Immediately I reported to the Fraud Division ( Case # XXXX ). During XXXX month, I tired many times to send money to my siblings, and then get this " error '' from Western Union ( XXXX Transaction Not Allowed ). Then after that issue, I submitted all the required documents to the website www.westernunion.com/gcr and filled their survey. Then, I received the same message that Western Union that my money transfer services have been discontinued and they don't want to tell me the reason because if their " internal politics ''. It's unfair that instead of punishing the scammers, Western Union punishes me.