davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (MS)

I had my ssn check deposited and refunded disputes added to my card. I tried to access the account and cashapp located the account on their end but i was not able to myself. They said i cant have access or transfer monies out and gave me only one reason due to security reasons i asked what security reasons and they said thats all they could tell me. I am XXXX and without my monthly check I will not survive. It took me months to recover from not getting my check that month. I was evicted and XXXX on the XXXX and lost everything i owned because of this. I keep trying and trying with them but get no where. There app Conveniently freezes if i get to far into logging in. Cashapp is a company that steals and thus far gotten away with it all!
Consumer complaint received 2015-08-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (MI)

8 to 10 collection accounts with inaccurate reported data. All medical accounts were there without my knowledge, assumed paid by insurance and or paid by me in full. Additionally, collection accounts for XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX are all accounts that were paid in full and no longer require payment due to fulfillment of the loans, lease agreements, and/or account balance.
Consumer complaint received 2023-12-13
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. (NJ)

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-13
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. (KY)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2015-07-06
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Concord Resolution Inc (Closed) (FL)

I applied for and received a {$500.00} payday loan in XX/XX/XXXX. Although it was for {$500.00}, payment was received from XXXX different lenders for {$250.00} each. Payments were combined into XXXX loan by the lenders and paid in full in XX/XX/XXXX. I started receiving automated phone calls from XXXX stating that I needed to call regarding an important matter in XX/XX/XXXX. I called and spoke to a gentleman at Concord Resolution who claimed that the debt was not paid and that I now owed over {$800.00}, but that he would " cut me a deal and accept {$640.00}. '' I informed him those loans were paid years ago and to stop calling me. He said they would continue calling until I paid them and that if not, they would garnish my wages and sue me. I told him to go ahead and get his lawyers and I 'll get mine - his final words were " see you in court. " I did not hear from them for several months after this incident until last week. The same recorded calls are now being made to my cell phone XXXX times per day and to my WORK phone number, which is internal and unlisted, calling as many as XXXX times per day, even XXXX times in the same minute. I have no idea how they got this number. This is harassment and is absolutely unacceptable. I do not owe any money to these people and if I did, why would it not be reported on my credit? These calls need to stop and someone needs to address their aggressive, threatening collection tactics.
Consumer complaint received 2023-12-13
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. (MS)

XXXX 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 Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  RE : Records are still outstanding to this dispute and act or action of FRAUD. 

To Whom This May Concern : I need a formal written communication letter from XXXXXXXX XXXX XXXX legal department showing that such regulations in the XXXX XXXX XXXX Credit Bureau where they have such rights to impose upon credit cardholders the rights to obtain such Internal Revenue Reports on consumers under Form 4506-C. A Form 4506 has nothing to do with a credit card dispute or a credit file inquiry. If such does produce such regulations stating such. 

I too need the Department of Veteran Affairs Form received completed and signed off on under such record verification process. VA FORM XXXX XXXX XXXX I signed off on and consented to receive such records before making a charge to any credit card on file or record. Where are those records under such signed authorization? All records must be dated before charging such a credit card on file and such reporting to the credit bureau as a line of credit extended or authorized by the cardholder. Where are such official and legal records? I need such official records that should show and tell anyone or everyone, that I am responsible for something that I never authorized. XXXX has nothing to do with my Income Tax Return and to have such business in sending me some Form 4506-C. XXXX XXXX XXXX Legal Counsel is requested as requested before to cause this matter that is still not solved to this date. 

These records are still missing from the Consumer Financial Protection Bureaus System in nature to the event and activities conducted from XX/XX/XXXX XX/XX/XXXX under credit card number ending in XXXX. Where there is a charge, there are official and legal records. 

I need these records attached under an official and legal signature from someone in the legal department that you should have by now. I need these records under your next response for the records... 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-13
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)

this was not sent in error, and not a material misrepresentation PROCESS THE DISPUTE See attachments I did not consent to, authorize nor benet from any of the following inquiries. Block and remove them.
Consumer complaint received 2023-12-13
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 was a victim of Identity theft. The account that was opened on or about XX/XX/ established at an address that I have never lived in. I put a freeze on all consumer reporting bureaus and I requested this be removed off of my consumer report and some how this account keeps getting verified as accurate.
Consumer complaint received 2024-01-16
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 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, address and inquiry as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 2023-06-16
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. (TX)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2022-02-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Block, Inc. (NY)

After recently returning home from traveling, I got my mail only to find four different CashApp debit cards for accounts I did not open. As a result, I determined someone must have fraudulently opened the accounts through CashApp in an attempt to get me to activate the card once I received it. Instead, I immediately reached out to CashApp, but as of yet have not been able to get a written confirmation from their support teams that all four fraudulent accounts have been closed.
Consumer complaint received 2023-12-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that this is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.
Consumer complaint received 2021-12-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (OH)

Cash App failed to return funds to my account sent to the wrong vendor on four different occasions totaling {$400.00}. 

I notified Cash App the funds were sent to the wrong merchant but they refuse to refund my account. 

Cash App previously informed me that it is there policy to return funds to a customer if the customer disputes the transaction with their bank. 

I disputed the transactions with XXXX XXXX XXXX. Cash App still refuses to refund the money sent in error. 

As a result of Cash Apps failure to mitigate this matter- my account with XXXX XXXXXXXX XXXX was closed.
Consumer complaint received 2023-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

My new account is with XXXX. XXXX keeps reporting me delinquent when they transferred the loan to XXXX in XXXX or XXXX. I want all XXXX to be removed from my credit report. They are committing fraud and hurting my credit profile. They should also be past the the statute of limitations on reporting.
Consumer complaint received 2024-07-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (NV)

I opened an account in person at a Chase Bank branch on XXXX. The banker who assisted me is named XXXX XXXX. I advised him the reason i was transitioning to Chase from XXXX was due to their unnecessary transaction holds. 
XXXX was very professional throughout the process and I used XXXX to fund my account from another bank account I own for {$300.00}. 

Today I attempted to move money back to the account it originated from and Chase flagged the transaction and would not allow it. Did I receive a 2FA text message? NOPE. Nothing, no call, no text, nothing. Just " on hold ''. 

I tried again for another amount, nope didn't work. I called Chase directly to inquire about it and received someone who sounded foreign and was very hard to understand, I am assuming that individual has many many issues performing his tasks daily due to the accent issues. He advised me after a 10 min call that there's nothing he can do and the transaction is still on hold. Chase within 24 hours of funding the account has prevented me from accessing my own money without cause, in violation of several federal laws.
Consumer complaint received 2021-12-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (SC)

Hi my email that link to my cash app is XXXX and there was money STOLEN from my cash account more than once and cash support is no help they act like they dont know what I'm talking most of tje time they ask me the same thing over and over again please help i havw proof of everything
Consumer complaint received 2021-12-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX On XXXX, 2021 I received a cashapp card in the mail with my name. I do not have or use cashapp. I have been a recent identity theft victim with unemployment dept and someone tried to open a bank account at XXXX XXXX with my info. I was able to report those incidents but I can not get help with this cashapp card. I called cashapp repeatedly and tried the website and can not reach anyone to report that someone stole my info and used it with their company. It should be a law for cashapp to have a customer support department that answers the phone to assist with important incidents like this. I am reporting this to cfpb because I am unable to reach cashapp to report it. In the meantime, this fraudster is getting away with stealing money under my information and I can do nothing to stop it or close whatever account they opened with my information since I can not reach the company.
Consumer complaint received 2024-01-09
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)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC. (TX)

Ally Financial is in clear violation of this section of the law 15 U.S.C 1681b ( a ) 3 ( f ) ( i ) ; for unlawfully obtaining my XXXX and XXXX XXXX Report on ( XX/XX/2022 ) without providing a copy requested of my written authorization or permissible purpose under the Fair Credit Reporting Act and its guidelines while violating 1681g ( a ) ( 5 ). It has been more than 60 days since Ally Financial has been notified of their violation and they refuse to delete the unauthorized inquire or provide me a copy of my written authorization to pull these reports.
Consumer complaint received 2023-12-13
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I was notified of a hard inquiry on my credit from Capital One on XX/XX/2023. I did not apply for anything with them. I immediately called them and informed them of this fraudulent account. They confirmed that an account exists with my name and social security number. They claimed that the date of birth on file was different, so they could not close the account. I was able to find the phone number associated with the account, and it took XXXX minutes of investigation to figure out that it is the phone number of a deceased woman that is no longer in service. It is very concerning that an account like this would pass XXXX in the first place. It is even more concerning that after being notified of this fraudulent account, they won't close it or at the very least flag the account. After, I called the Credit Bureau to report the identity theft, and they told me it was on the bank to cancel the account.
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (RI)

I am writing to express my deep concern and frustration regarding an error with my credit card report. All three major credit bureaus have incorrectly reported a significant issue on my credit card account, which has drastically hurt my credit scores. This mistake has caused me emotional distress, as I have always been diligent about managing my finances. I am worried about the impact this error is having on my ability to secure loans and other financial opportunities. I kindly request your immediate assistance in correcting this error to restore my credit score and bring peace of mind back into my life.
Consumer complaint received 2023-12-13
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. (GA)

I am writing to express my continued frustration and disappointment with the unsuccessful attempts to remove fraudulent items from my credit file. This marks the second attempt to rectify the inaccuracies, and despite my persistent efforts, the fraudulent entries persist on my credit report, causing significant distress and impacting my financial standing. 

I have previously submitted identity theft affidavits, police reports, and supporting documentation to substantiate the inaccuracies in my credit report. However, it is disheartening to note that these efforts have not yielded the desired results, and the fraudulent items remain unresolved. 

The persistence of these inaccuracies continues to affect my creditworthiness, making it challenging to secure credit, obtain favorable interest rates, and manage my overall financial well-being. 

I request an immediate and thorough reinvestigation into this matter to rectify the inaccuracies on my credit report. I expect a detailed response within the exact timeframe acknowledging the receipt of this second complaint and providing a clear plan of action to address and correct the fraudulent items. 

Should this matter not be resolved promptly, I may be compelled to escalate my complaint to regulatory authorities and seek legal recourse to safeguard my rights. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$880.00} XXXX XXXX XXXX XXXX Balance : {$990.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$880.00} XXXX XXXX XXXX XXXX Balance : {$990.00} XXXX XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX Balance : {$990.00} XXXX XXXXXXXX Balance : {$1800.00} XXXX XX/XX/2022.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

Cap One Auto has reported an account on my credit report without my written or verbal consent and the account is listed as ( XXXX XXXXCollections ).. In Pursuant to Title 15 1681c ( a ) no charge offs should be published on my profile.
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Penn Credit Corporation (PA)

On XX/XX/2024, I noticed a deceptive form, that was furnished onto my consumer report, the account name is " Penn Credit Corp ''. According to 15 USC 1692j., It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. I am not participating in any collection of any debt. Please block and remove off of my consumer report.