davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (VA)

I have open a cash app account in XX/XX/XXXX. I made it my savings account for my child I had on the way. I had placed the account in my, with my DOB, SS # when the account was created. I had sent 3-4 payments ( $ XXXX ) to the " baby 's savings '' account from my " A 1 '' cash app that use on a normal day to day activities. 
The email that was registered to " Baby 's Savings '' account was lost when I had broken my phone. I had contacted Cash Support in XX/XX/XXXX in regards to helping me regain access to the account. I was asked to provide photos ID an to create a new cash app account to transfer the funds from " baby 's savings '' to the new cash app account. After cash support received ID as requested I contacted them again to get started on the funds transfer. Multiple times I was hung up on when trying to explain an or asked not to call just email on the app. Cash support would never help with emails back an forth. Again I contacted Cash Support by phone requesting access to my account. I was informed for " security reasons '' I could not have access to my account " baby 's savings '' an was immediately hung up on. I tried numerous times to speak with different cash app support customer service Representatives an again an again I was hung up on. 
XX/XX/XXXX, was my final attempt to contact cash app in regards to regain access to my account. I had followed all requested procedures " ID summited, creating new cash app an wait to be contacted ''. Cash support informed me a balance transfer an regaining access to account " baby 's savings '' was failed an nothing they can do to help once again.. and abruptly hung up on me immediately. The cash tag for the " baby 's savings '' is $ XXXX. I want my money back from this company an the account closed immediately. This is a fraudulent scheme that's being played to launder my money and not give me access to it. There's no reason for them not to give me access to my cash app account that's in my name was my social security number. I am infuriated with the customer service disrespectfulness and unwillingness to help cure the situation.
Consumer complaint received 2023-06-21
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION (MI)

Well first and formost I financed a car through credit acceptance from a car dealership called XXXX XXXX  now in the process of talking with the people at XXXX XXXX I was told that credit acceptance would finance me the vehicle. The car was priced out for XXXX so I gave them XXXX as a down payment on XXXX  XXXX XXXX. The car broke down on me and hasnt been driven in months now and I havent had the car in years breaks went out on me in a week and when I explained this to them asking can I return the car I was told it would mess my credit up. I lost my job due to not having transportation and I told them this. So now Im getting harassed with calls daily credit is being shot to pieces dealing with this company telling me I owe them XXXX for a car that isnt even worth that amount. My mother actually did the research and told me to contact you guys because you already had been dealing with issues when it comes to Credit acceptance Corp.
Consumer complaint received 2019-05-31
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. (GA)

Please know that I was not late on the mentioned accounts here.. I wonder why credit bureaus report it as late when in fact payments were processed before the due date. Credit Bureaus wont give me a concrete reason as to why they wont fix the account. CFPB Please step up and fix this for meXXXX XXXX XXXX XXXX   XXXX, XXXX/XXXX XXXX,
Consumer complaint received 2020-07-31
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: International Collection Systems, Inc. (AZ)

International Collection systems ( XXXX XXXX XXXX XXXX, XXXX, AZ XXXX ) is showing a debt for XXXX XXXX University for {$1100.00}. I never had an account there. XXXX XXXX is saying they have a contact, but it is the incorrect social security number. Both are refusing to acknowledge it is identity theft and remove the debt and collection.
Consumer complaint received 2017-05-02
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. (IL)

Sent letter to credit reporting agencies telling them the inquiries on my report are unjustified : the actions fail to comply with FCRA Section 604.   The letters are attached below.   Credit Agencies replied stating they did not need to investigate, verify, or remove inquiries.   Credit Agencies failed to prove  3  requirements and failed to remove inquiries from my credit reports
Consumer complaint received 2024-05-01
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (NY)

This account represents a clear breach of contract and is fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The account is : DISCOVER BANK XXXX
Consumer complaint received 2023-10-02
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. (FL)

Accounts on my credit report have been linked to identity theft without my proper authorization, including a signature. I've already discussed this matter with your organization, and I'm formally requesting the swift removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue isn't resolved appropriately, I'm ready to take legal action to protect my rights and seek a resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as buying a home and providing for my family.
Consumer complaint received 2023-10-02
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)

In accordance with the fair credit reporting act convergence XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C. 1681 A states I have a right to privacy. 

15 U.S.C. 1681 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction. 

I requested this account to be updated over 2 months ago and have been ignored by the reporting agency. Please help me.
Consumer complaint received 2023-10-02
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (FL)

The American Express e-gift card is unusable. I have tried the card several times at both online and in-person retailers, and the card has been declined each time. I have called customer service six times, and each time, I am told the card is fine and it is simply the retailer 's security practices. Simply put, the gift card can not be used at local restaurants or retailers such as ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and more. The amounts hav varied from {$85.00} to {$1200.00} USD. 

Customer service has tried to remove security holds and confirmed my available balance was sufficient to cover each of the above transactions. I asked customer service to try to reissue the gift card, but was told that since it is a e-gift card, they are unable to issue a new card. I then requested a refund and was provided a case number ( Case # XXXX Refund request ) and received an email from the support department stating they are unable to resolve my issue and must call customer service yet again. Round and round we go, with no resolution in sight. 

The gift card is worthless and a full refund of {$1500.00} is the only resolution at this point.
Consumer complaint received 2023-10-02
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-10-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC (GA)

I purchased a loan with a 5 year contract in XXXX of XXXX from US auto sale financial ( USASF ). My loan was to mature in XX/XX/XXXX. They had me sign a contract stating that I would give them {$200.00} every two weeks until the account is paid in full. I found by mail my loan was sold to another company. I found out about this after numerous call to US auto sale with no response. My loan was sold to West Lake financial on the same month my loan was to be paid off, with an outstanding balance. I was also informed my loan has been extended to XXXX of XXXX by West Lake Financial. I received a letter from Westlake financial in XXXX of XXXX that they are now the current owner of my vehicle and I had an outstanding balance for over {$2500.00}. I told them that was incorrect as I was to finish paying off my car that month. They told me no they purchased a vehicle for over {$2500.00} in XXXX from US auto sale, Ive asked them numerous time to clarify what those amount are. They told me I should know why it is that mount because this is my vehicle. I made a payment in XXXX. I then told WLF that I refuse to pay them anything else until they clarify where did that amount came from they have yet to do so. I recently reached out to them and told them I havent heard from them. They told me that there was a repossession on my vehicle for nonpayment. Ive been paying on my vehicle for five years. I havent been late but one time when I caught XXXX and I found out I had XXXX XXXX and I called the company because I thought I had insurance for the company to cover if I got major sickness or lost of employment. USASF told me I didnt have such coverage. Ive been paying on this car for five years and now at the end of my term this company Wesley financial is now its attempting to repossess my vehicle. I am at a loss and not sure what to do. Ive been late on all my bills because Ive been battling XXXX XXXX. The only account I paid on was the make sure I get to the doctors appointment and now found out when I thought my account is paid off they telling me no and requesting another {$3000.00} for me. My mature loan has now been moved to XXXX of XXXX please help me.
Consumer complaint received 2020-07-31
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (GA)

This is happening with Equifax, 45 days ago I filed a dispute with Equifax on some hard inquiries. The very next day they dropped my credit score 64 points. It came up 28 points the next month. 18 days ago I filed a dispute with Equifax again over the same thing and they dropped my credit score 82 points the very next day. In both complaints it took approx 17 days to investigate. Why did my credit score drop the day after the dispute. I have tried multiple times to get thru to them with different phone number with negative results. My name is XXXX XXXX address is XXXX XXXX XXXX Ga XXXX phone is XXXX.
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-03-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

On XX/XX/XXXX, I received emails from paypal alerting me of two transactions ( {$140.00} USD each ), I made no such transactions. Knowing that my paypal account is compromised, I called paypal customer service right away and submitted my appeal for these two fraud transactions. 
On XX/XX/XXXX, I also notice that the hacker has changed my primary payment method to be my checking accout, and I got a large number of random emails, which I guess now that it's from the hacker trying to flood my email inbox. 
On XX/XX/XXXX, paypal sent me back an email claiming that without enough evidence. they deemed these two transactions are valid, and let the payment go thru successfully. 
On XX/XX/XXXX, I called customer service again ( since I couldn't get to an agent the day before ) and appealed one more time that these two transactions are fraudulent and not by me. I also mentioned to them I think this appeal process is not reasonable. If paypal doesn't have evidence, and the account owner submitted a dispute, shouldn't the action be to cancel the transactions, at least have them pending. 
On XX/XX/XXXX, I also called XXXX XXXX, which is what the transaction is made to. Apparently, the thief/hacker bought two pairs of shoes from XXXX XXXX, and sent it to my old address from 2 years ago ( I haven't lived there for 2 years, it's in a different state half way across the US. ). I asked XXXX representative to find these two transactions and maybe cancel them from his side. But he couldn't look the orders up with my email or phone number ( which are the only two ways for XXXX to track their orders ). Maybe it's some hacking that made it seem like the money went to XXXX and in reality the money went to the hacker somehow. 
on XX/XX/XXXX, I get a notification from paypal that they have deemed my transactions to be unauthorized transactions.thinking that they have resolved the issue, I wait till the money get refunded to my bank account. 
On XX/XX/XXXX, I checked my bank account and no refund still. So I went to check paypal 's resolution center and see that actually they deemed these two transactions as valid transactions, and deemed my appeal to be an invalid one.
Consumer complaint received 2023-06-21
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 (MO)

On XX/XX/23 at XXXX, my email and chime bank account were hacked. I received notification that 3 unauthorized charges had been placed on my account and immediately contacted Chime. Within less than 30 minutes, I disputed the unauthorized charges, reported my debit card, and changed my online banking login credentials through Chime Customer Support. One of the charges in the amount of {$1.00} was immediately refunded and credited back to my account the same day. The other 2 charges have been disputed and denied 6 times although the charges were made within minutes of one another. The charges for {$400.00} & {$230.00} made at a XXXX XXXX located in XXXX XXXX, NY have been repeated denied although I have provided more supporting documentation with each denial such as work call & email logs at the time of the charges, XXXX XXXX manage contact information, time & location stamped photos of myself in my resident city of XXXX  XXXX, MO. I also contacted the merchant myself and was told that no contact from Chime on the store level where the purchase was made had taken place. I have placed requests to Chime on 3 of the dispute rebuttals for documentation showing the investigation process and findings that were used to deny my disputes which I was told I would receive in 7-10 days but still have not received for any documents for any of my rebuttals.
Consumer complaint received 2023-10-02
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2024-04-04
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)

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 XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-02
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. (NJ)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C. 1681 A states I have a right to privacy. 

15 U.S.C. 1681 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction. 

I requested this account to be updated over 2 months ago and have been ignored by the reporting agency. Please help me.
Consumer complaint received 2023-10-02
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. (NJ)

In accordance with the fair credit reporting act my rights have violated. 

15 U.S.C. 1681 A states I have a right to privacy. 

15 U.S.C. 1681 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction. 

I requested this account to be updated over 2 months ago and have been ignored by the reporting agency. Please help me.
Consumer complaint received 2023-10-02
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)

In accordance with the fair credit reporting act my rights have violated. 

15 U.S.C. 1681 A states I have a right to privacy. 

15 U.S.C. 1681 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction. 

I requested this account to be updated over 2 months ago and have been ignored by the reporting agency. Please help me.
Consumer complaint received 2023-10-02
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. (FL)

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-02
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)

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX