davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (CA)

XX/XX/XXXX XXXX XXXX 3 transactions were made in the amount of {$67.00}. 1 of them was blocked by cash app because the repeat transaction showed evidence of an u authorized transaction. Upon recieving the notification, I contacted customer support at which they responded at XXXX. XXXX told me that I have to wait for the transactions to be completed when I asked him to block the transactions as they were unauthorized. After waiting I contacted them again and contested the transactions. After a week I was given my money back. After two more weeks my money was reversed and given back to cash app and they claimed that the transactions were actually authorized by someone I know or my self. They said if I wanted to request the documents used in this descion. I requested them. Upon review of the documents I noticed two things. One is the merchants website they used to say were said transactions were made. When I attempted to communicate with this merchant. I typed the website in my search browser to be met with a warning from my firewall that this website is a malicious website and may attempt to steal my information.i was confused as to why cash app would even put this hazardous website on there and let alone claim I purchased from it. The website was clearly fake. I messaged cash app and explained how there specialist listed a false website as a merchant and to why he was allowed to do so. I was met with a repetition of an automated email stating that everything in the documents is true and that they are sorry this is not the outcome I wanted. I dont understand why they didnt actually investigate and look up these things they sent me. They put me in the same danger that I was just trying to fix. When I reviewed the IP address on the documents. It shows a address with a different city instead of my own. This concern cause me to show cash app these details which will prove I did not make the transactions. Instead they just send me the same automated reply that they are sorry this is not the resolution I desired
Consumer complaint received 2024-07-29
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Upgrade, Inc. (FL)

The company IMPROPERLY flagged my account as a late-payment. However, this is not accurate as proof of a timely payment was provided by XXXX XXXXXX/XX/XXXX indicating that Upgrade timely received the full payment. None-the-less Upgrade refused to remove the negative credit late-payment from my account and refused to rescind any negative reports to the credit monitoring agencies. 

These concerns were communicate by phone and by email this date.
Consumer complaint received 2024-06-04
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A. (NY)

Someone applied for a CITI Master card credit card in XX/XX/year>. 
XXXX was mailed to me XX/XX/year>. 
I called and had account cancelled. They tried to get XXXX balance transfers of {$4700.00} & {$6800.00}. 

Citi Fraud indicated they would stop those transfers.
Consumer complaint received 2024-07-24
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC. (TN)

My Robinhood got randomly locked with all my savings in it I cant sell stock buy stock or withdraw my funds OR EVEN TRANSFER MY STOCK TO ANDIFFERENT BROKER. No reason provided by Robinhood as to why.
Consumer complaint received 2024-07-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc. (FL)

On XX/XX/year>, I used the service XXXX to accept a payment for my work performed for an insurance brokerage. I had worked for XXXX full weeks, XXXX hours a day, appointment setting for this company. I sent them an invoice for {$600.00} and they paid the invoice in full. I have been trying to transfer these funds into my bank account for XXXX weeks now and today XXXX asked me to provide more information to initiate this transfer even though it said pending for XXXX weeks. I provided my insurance license, my drivers license, screenshots of the business conversations with the employer, my bank info, and all of the employers contact info. XXXX emailed me a few hours later that my account is being deactivated and my balance would be frozen for 90 days. The money I had genuinely worked for is being held from me for absolutely no reason, so I contacted support and I received XXXX message back that said they were unable to provide any additional information but the decision was final. 

I am horrified and upset. I have no recourse to elevate this or ask why this decision that hurts me significantly was made. This is my money and I did not expect to be antagonized. This is an abuse of consumer finance. I would like to have access to my funds, as I live paycheck to paycheck, and my business is completely legitimate. I can not wait 90 days. Additionally, the site will now not let me link a bank account so I dont even know how the money will get to me.
Consumer complaint received 2024-07-05
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. (SC)

XXXX XXXX has discharged the debt, file 1099 with IRS. This is considered as income once discharged and should not be reported on credit report and with the credit reporting agencies like XXXX, Equifax, and XXXX, and any other reporting agencies. Once they have sold or transfer the purchased money loan agreement or contract to a third party purchaser, then this illegal reporting should not be on my credit report. I requested that they removed this from my credit report immediately to no avail. This is considered as income according to the IRS, and income should not be reported on credit report of the consumer.
Consumer complaint received 2024-06-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I bought the complaint with consumer protection in XX/XX/year>, XX/XX/year>, XX/XX/year> in XX/XX/year> and to no avail I have not had XXXX, XXXX Trans Union, those credit reporting agencies took from XX/XX/year> until today, XX/XX/year> and they have not resolved my issues. They should take those negative items off my credit report according to the fair federal fair credit credit app and they have not done so and consumer protection has not Done anything to help out?
Consumer complaint received 2024-06-27
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. (FL)

I am writing to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the XXXX XXXX XXXX  and I also have enclosed copies of the XXXX XXXX XXXX identity, theft, affidavit. Please delete this items as soon as possible.
Consumer complaint received 2024-05-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: TransferWise Ltd (FL)

I was scammed from XXXX XXXX XXXX and these people opened an account with Wise Bank in my name, XXXX XXXX. After several attempts of XXXX trying to transfer fund up to {$49000.00}, Wise Bank suspected fraud. I filed a dispute with Wise Bank to refund me the {$450.00} that was remaining in the account. I never received the {$450.00} and I can no longer access the account or speak to anyone at the bank.
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXXXXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : 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 : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 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 2024-05-28
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (GA)

Dear IC Systems, I am writing to formally complain about your company 's handling of an account that does not belong to me. Despite multiple attempts to resolve this issue through various communications, the disputed account remains on my record without proper action taken by your company. The account in question, XXXX, does not belong to me and is inaccurately attributed to my name. I have contacted your office on [ XX/XX/24 & XX/XX/24 ] and provided all necessary information to support my claim. Despite my efforts, the account has neither been removed nor appropriately marked as disputed/investigated, as required by the Fair Debt Collection Practices Act ( FDCPA ). The FDCPA mandates that debt collectors must investigate and validate disputed debts and mark such debts as disputed while the investigation is ongoing. IC Systems ' failure to do so not only violates the FDCPA but also causes undue stress and potential harm to my credit report and overall financial well-being. If this issue is not resolved immediately, I will be compelled to escalate this matter to litigation and seek compensation for any damages incurred.
Consumer complaint received 2024-05-26
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: I.C. System, Inc. (WI)

IC System of XXXX continues with non-stop XXXX XXXX calls. Spam calling all throughout the day. IC system continues to relabel and re-report an old debt from a company called XXXX XXXX. This debt was incurred in XXXX. I subsequently repaid this debt immediately to XXXX XXXX IC company continues to change the dates and has refused to send me any verification regarding the date they obtained this debt, who they purchased it from, and any and all identifying information regarding this debt. IC System continues to change the date and re-report this collection over and over. This collection should have been removed from my credit report many years ago. IC System continues to renew it -starting the clock all over again. this is predatory, dishonest, and illegal.
Consumer complaint received 2024-01-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I HAD IDENTITY FRAUD AND A FRAUD ALERT ON MY CREDIT REPORT. CAPITAL ONE HAS NOT REMOVED MY CLOSED ACCOUNTS FROM MY CREDIT REPORT. I NEED CAPITAL ONE TO REMOVE ALL OF MY OLD CLOSED ACCOUNTS FROM MY CREDIT REPORT.
Consumer complaint received 2024-05-26
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: I.C. System, Inc. (FL)

I sent a cease-and-desist letter to I.C. System on XX/XX/year>, requesting that they cease all communication with me regarding an alleged debt. Despite this clear request and prior notification, the debt collector reported the account to my credit report, which I believe constitutes a violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically Sections 805 ( c ) and 15 USC 1692c ( b ).

To clarify, I sent the cease-and-desist letter before the account was posted on my credit report. After being notified, I.C. System proceeded to add the account, which qualifies as a form of communication in violation of the FDCPA.

I demand that this account be immediately deleted from my credit report. Additionally, I request that I.C. System send me written confirmation of the account 's removal and assurance that no further collection attempts will be made. 

I am aware that each violation of the FDCPA entitles me to monetary compensation. If this issue is not resolved within the next 15 days, I will proceed with filing a lawsuit with the State Attorney to seek such compensation.
Consumer complaint received 2024-05-26
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Rozlin Financial Group, Inc. (MI)

I asked them to stop contacting my cell phone which is also my work phone number and I also asked them to stop emailing me and texting me and they continued to do so and I told them if they don't stop I will be filing harassment charges and they ignored it and started sending me mail a letter more frequently
Consumer complaint received 2024-05-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2023-12-18
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. (DC)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-22
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. (SC)

unfortunately, I am a victim of XXXX XXXX of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-05-26
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (TN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX  XXXX XXXX XX/XX/XXXX IC System, Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Debt Validation Request for Acct # XXXX To Whom It May Concern, I am writing to formally request a validation of the debt that you have contacted me about, which is referenced under the account number XXXX. According to my records, I do not owe any debt to your organization or the original creditor. Additionally, I have received verification from the state of Tennessee certifying that there is zero debt in my name. I have attached a certificate of verification of XXXX records of debt owed by XXXX XXXX XXXX. 
You were contacted in XXXX about this debt and no investigation results were sent. 
Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I request that you provide me with the following information : XXXX. **Validation of the debt** : Please provide the original signed contract or other instrument bearing my signature which substantiates the alleged debt. 
XXXX. **Amount of the debt** : Please provide a complete breakdown of the amount you claim I owe. 
XXXX. **Name and address of the original creditor** : Identify the original creditor to whom this debt is owed, along with their contact information. 
XXXX. **Proof of assignment** : Provide proof that IC System , Inc. has the legal right to collect this debt on behalf of the original creditor. 
XXXX. **Verification of my liability** : Show evidence that I have a legal obligation to pay this debt. 
XXXX. Please provide all but not limited to any contracts signed with XXXX XXXX XXXX wet ink signature. 

Until these items are provided, I dispute the validity of this debt in its entirety and request that you cease all collection efforts. I also request that you immediately remove any negative information related to this alleged debt from my credit report, as reporting inaccurate information is a violation of the Fair Credit Reporting Act ( FCRA ). 

Furthermore, please be advised that I am aware of my rights under the FDCPA and FCRA, and I am prepared to take legal action if necessary to protect those rights. I expect a timely response to this request, as failure to provide the requested documentation within 30 days will result in the presumption that the debt is invalid and no further collection activities are warranted. 

Thank you for your prompt attention to this matter. Please confirm receipt of this letter and your intention to comply with my validation request at your earliest convenience. 

Sincerely, by : XXXX : XXXX : XXXX ---
Consumer complaint received 2023-10-28
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-04
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. (GA)

To Whom It May Concern at the Consumer Financial Protection Bureau, I am writing to file a complaint concerning multiple unauthorized hard inquiries recorded on my credit reports by XXXX, Equifax, and XXXX. These inquiries appear to lack a permissible purpose as required under the Fair Credit Reporting Act ( FCRA ) and corresponding regulations. 

The FCRA, specifically under 15 U.S.C. 1681b, stipulates that consumer reports may only be accessed for specific permissible purposes. These purposes include credit transactions, employment purposes, underwriting of insurance, or other purposes as outlined by the law. Additionally, 16 CFR 1022.34 reinforces these requirements by imposing duties on users of consumer reports to ensure they are obtained only for these legal purposes. 

Despite these clear legal parameters, my credit reports show multiple inquiries from various financial institutions and credit organizations without my prior knowledge or consent. These include inquiries from high-profile lenders and credit issuers such as XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX and others across the XXXX major credit reporting agenciesXXXX, Equifax, and XXXX. 

The unauthorized inquiries span several dates and appear as follows across the credit reports : - **Experian** reported inquiries from entities like XXXX  XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX and others, all noted on the same date ( XX/XX/XXXX ), among additional inquiries throughout XXXX. 

- **Equifax** XXXX inquiries from XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and XXXX, respectively, along with other inquiries dating back to XXXX. 

- **TransUnion** includes inquiries from XXXX, XXXX, and various others ranging from early XXXX to late XXXX. 

These inquiries have potentially negative impacts on my credit score and could lead to broader implications for my financial health and privacy. Under 16 CFR 1022.3, consumer reporting agencies are mandated to follow reasonable procedures to assure maximum possible accuracy of the information associated with inquiries and reports. The appearance of these inquiries without a permissible purpose suggests a lapse in these procedures and a possible violation of my rights under the FCRA. 

Given these concerns, I am seeking the CFPB 's assistance in investigating these matters. I request a thorough review of the inquiries listed on my credit reports to confirm whether they were indeed made without permissible purpose. If these inquiries are verified as unauthorized, I urge their immediate removal and appropriate corrective actions against the entities involved.