davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-23
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (TX)

This is the most current conversation with cash app explaining the issue for the 17th time.

I need a support manager to call me. I've had this issue for months and not one person can help me and when I call they read the script and then hang up on me after saying they have no more information and were closing the case. This is absolutely unacceptable for customer service to have a script that states after telling a customer u have no more info hang up on them.
Consumer complaint received 2024-04-03
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. (NJ)

As I reviewed my report I see inquiries on there that were done without my consent Enclosed is a copy of my Identity Theft Report supporting my position. In addition, I am enclosing a copy of sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act ( FCRA ), which detail your responsibilities as an information furnisher to consumer reporting agencies in response to the Identity Theft Report I am providing. These enclosures also detail your responsibilities that apply in the event you receive from a consumer reporting agency notice under section 605B of the FCRA that information you provided to is the result of identity theft. 
Please investigate this matter and remove these inquiries ] as soon as possible. Identity Theft Report FCRA Sections 605B, 615 ( f ), 623 ( a ) ( 6 ) ENCLOSURE : FCRA 605B ( 15 U.S.C. 1681c-2 ) Block of Information Resulting from Identity Theft ( a )
Consumer complaint received 2023-09-30
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. (IL)

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.

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 inructions 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 XXXX 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 2024-04-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report this account as unconfirmed information without validating it within the legally required time range. The false information on my credit report has to be investigated, amended, or completely rectified : XXXXXXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2023-01-23
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. (GA)

I file an dispute on XX/XX/ about an ATM withdrawal for the amount of {$360.00} that was stolen from my account cash app denied my disputes I sent a case number from a police report XXXX I requested documents from cash app from the merchant via Email and thru their support app cash app still have not fulfilled my requested CFPB XXXX ( d ) written explanation so I had refile my dispute for the 6 time and request documents from the merchant every time they denied my disputes
Consumer complaint received 2023-08-15
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: EQUIFAX, INC. (PA)

I am writing this to file a formal complaint regarding the closure of an account that was furnished on my consumer report without my written or oral consent. The closed account I am referring to is the Account Details : Creditor : XXXX XXXX  Account Number : XXXX Date Closed : XX/XX/XXXX Current Status : CLOSED Balance : {$0.00} Date ReportedXXXX I believe that this has been carried out in a manner that is unjust and without proper communication. I had reached out to these reporting agencies on XX/XX/XXXX of XXXX in regard to this closed account. The response i have obtained was that this account has came back verified and accurate but never sent out Documation on how they verified this information and who did they get this information from. They never did a proper investigation consumer report. The closure of that account has caused me significant inconvenience and disruption.
Consumer complaint received 2023-09-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (MA)

My wife and I had been with XXXX and had XXXX student loan payment under the XXXX plan. She was put on the XXXX program ( though her payments is over XXXX what she was supposed to pay ) and I was put on the XXXX plan. Since XXXX was shut down, I can no longer access those records to prove this. Please help!
Consumer complaint received 2023-09-30
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. (WA)

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 Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX FIN Account Number : XXXX has violated my rights. Or list of inquiries XXXX 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 2022-10-24
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: EQUIFAX, INC. (IL)

My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2023-09-30
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (CA)

In XXXX of 2023 I requested an increase on my Discover credit card. Title 15 subsection 1611, False and misleading denial of my own credit. I was sent a letter of my denial with unexplained and misinformation attached to the reasons for a denial.
Consumer complaint received 2023-08-09
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. (DE)

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.

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 2023-07-09
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: Experian Information Solutions Inc. (NY)

I have inquiries on my credit report that's fraudulent. I want these inquiries removed from my credit report. 

XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-09-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (NY)

I recently contacted Chime The XXXX XXXX about an unauthorized Transaction in my account. I was visiting a Government XXXX to verify my income with my bank statements and I seen an unauthorized Charge of XXXX. I reach out to chime and the chat ended up getting disconnected due to internet issues. However I requested a dispute again and I was connected to the same dispute Representative named XXXX. They had already file the dispute without my consent of the chat being disconnected and I was not able to answer any questions for this dispute I was going to make. Everything in the document is blank and wrongfully added in the dispute document I did was not able to make and the XXXX name XXXX decided to do the dispute after we got disconnected with wrongfully statements and blank answers to questions I was not able to answer because of the disconnection. Due to the XXXX name XXXX who filed the dispute without my consent and ended up putting on his own words and left every question blank except two caused me to have a denial in the claimed. I requested the documents from Chime The XXXX XXXX via chat and they said within XXXX business days I will get the document so today XXXX XX/XX/2023 I receive the documents and everything on the document provided does not show why I was denied. Also the Dispute Agen name XXXX whom I chat with on XX/XX/2023 did not include anything I try to discuss with them during the XXXX time the chat got disconnected. Chime The XXXX XXXX did not use proper documents to investigate an dispute and wrongfully denied me and they did not include anything I told the Dispute Agent Bane Summer all of my concerns. They also didnt include my statement when I try to tell them the XXXX time that the document Chime The XXXX XXXX XXXX when I told them I contacted the Merchant name Progressive XXXX and they can not give me information due to security purposes because I never owned a car to operate or have an insurance for a vehicle I never in my life owned. Chime The XXXX XXXX automatically denied me after two hours of the Dispute Agent name Summer filed without my consent to file and when I tried to contact Chime The XXXX XXXX to fix this they denied my dispute for this dispute and did not include anything I told them to include before filing it. Chime The XXXX XXXX. Refuse to investigate and refund the money that was stolen out my account.
Consumer complaint received 2023-04-20
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. (NV)

on XX/XX/19 the account XXXX XXXX which was previously removed due to me winning my dispute has been put back onto my account. This has already been won in my favor according to the fair credit report act please remove it.
Consumer complaint received 2023-09-30
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: LOBEL FINANCIAL CORPORATION (CA)

I asked Lobel Financial to cease and desist contact with me about the debt that was paid by my finance charge on my car. Yet Lobel Financial is violating the cease and desist i sent them on XX/XX/23.
Consumer complaint received 2023-09-30
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. (NC)

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 Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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 2017-02-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (MI)

This is a continuation of my previous CFPD complaint. I contacted Wells Fargo to change my payment options so additional principle was not being added to my ACH withdrawals. The associate I spoke to assured me she made the updates. A week later, the lender removed the full payment with additional principle, not once but twice resulting in a negative balance in my checking account. 
The Wells Fargo rep contacted me yesterday, however, I do not believe the resolution is satisfactory. Wells Fargo has now refunded my money, however, I have accumulated {$180.00} in fees from their error. I am requesting reimbursement. I have submitted the bank statement to you. The Wells Fargo rep states they do not have the ability to accept email or uploads. Please note, when I applied for my mortgage I uploaded all of my documents so I find it interesting they can not provide the same accommodations now that I am a customer. I am asking you to forward the information along with my complaint as their systems are antiquated. 
In addition, for the my time, the unauthorized and fraudulent use of my account, and the lack of problem solving, I am requesting Wells Fargo pay me at least the same amount they would charge a customer who paid past the grace period ( {$69.00} for my mortgage ) and bounced a check ( {$30.00} ) for a total of {$100.00} in addition to the {$180.00} in bounced check fees my bank is charging me. I believe it is only fair to be compensated for my time, distress, and damages as a result of a creditor 's gross negligence. 
Thank you for taking the time to hear my complaint and working with my lender toward a fair and quick resolution. I look forward to hearing from the lender.
Consumer complaint received 2022-12-08
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: 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-22
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. (CT)

XX/XX/, Several charges were made to my card from the Cash App company in the amounts of XXXX XXXX XXXX XXXX XXXX XXXX to a company called XXXX XXXX which I never authorized and only XXXX of the fraudulent charges was reveresed and all other denied several times, without any resolution. I've called support several times for help and still am left without any of my money returned.
Consumer complaint received 2024-04-03
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. (NV)

i recently reviewed a copy of my crediy report. i was really mad to see i had been a victim of identity theft. i found a account on my credit report that was not open by me. this has been hurting me at buying my first home and i had my first child this year at the age of XXXX. I finally have a family now! - ) please remove this fruadulently open account from my credit report soon as possible!
Consumer complaint received 2023-04-13
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: EQUIFAX, INC. (MA)

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 
Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 
1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
3. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX Delete this account. 
4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report.

5. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report.