davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (FL)

Experian is reporting information on my credit report that I did not give any written authorization to. Congress made it clear that consumer reporting agencies like Experian ASSUME vital roles in assembling and evaluating consumer credit and other information on consumers Pursuant to 15 USC 1681 ( 3 ). I have been violated by the lack of privacy and how Experian has not made it its grave duty of responsibility, fairness and respect to the consumer right of privacy. The following account XXXX XXXX is being reported without my written authorization. I've demanded that this account be removed as it's a violation of my private information & Experian failed to remove it. Experian stated the account is verified, which I then via USPS mailed Experian a Method of Verification Letter to provide validity of the account. Which they failed to do so.
Consumer complaint received 2023-01-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc. (CA)

Hi By Wednesday the XXXX of XXXX, I received the amount of {$950.00} first {$600.00} and then {$350.00} from XXXX XXXX ( XXXX purchase XXXX XXXX ) I never even have as a pending funds in the cash app-app account who i need to open to received the purchase price, but I received a email after that i need to send the phones and send tracking number who they can release my money so i think is not to crazy, but after I send the founs and give the tracking number I received another email from cash app support, requesting another {$700.00} to proof for to extend my liability to received more money since I have a new account. I sent the {$700.00} to her with gift cards and follow all the rules by this point I contact cash app customer service line ( searched in XXXX the number to contact them ) and the people who I talking thru i believe the real people told me that yes! the have that policy and i will need to continue! " in a recorder line ) XXXX, then I received another email that I need another {$300.00} with gift cards again, then when apparently everything is concluded. If I want to access my fund I need to send {$50.00} by XXXX ( I already report that XXXX account to my XXXX XXXX back the email that they are using is : XXXX and also they keep telling me to this one : XXXX for fees to express funds. when I think everything is done and by this point that lady has {$1000.00} dlls and the phones that I sent to her. I don't have anything!!!! and I received another email from Cash app that I need to pay {$200.00} in taxes because " customers '' all transaction was inside the XXXX nothing have to be with " customs ''. so they Fraud me with {$2100.00} even I think they will stop today they keep asking for {$100.00} dlls. I contact cash app since the first time that I don't have a good felling about this but honestly to this point or that app work with Fraud people or they al a XXXX CASH APP!!! they customer service are the worst people who I can even talk in my live they did not help at all they answer my emails with 24 hours of delay with pure excuses, One of the times I call the guy tell me you needs to send all that money so we can release your money. Please help me!!! I will attached all emails and communications thank youXXXX, XXXX XXXX
Consumer complaint received 2020-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: ID Analytics, Inc. (CA)

On or around XX/XX/2020 I apply for a XXXX XXXX  account with XXXX XXXX XXXX application number XXXX was denied because according to sagestream LLC my credit score is XXXX which is wrong information try to reach out to company but they won't resolve my issue they have inaccurate information with my score they won't let me review it or resolve it I never gave permission for sagestream LLC to have my information I got denied credit base on their incorrect information
Consumer complaint received 2023-01-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (PA)

On XX/XX/2023 both my cash app visa debit card and my phone were stolen. I immediately reported my card as stolen and requested a new one. The next day when the charges were no longer pending, i disputed them. There were a bunch for XXXX play and XXXX XXXX XXXX Less than XXXX XXXX  later cash app decided that these charges were not fraudulent. When I asked for documentation they used to determine that I was not given actual documentation. After stalling and delaying I was given a letter from a dispute representative with 1 transaction typed out as " card not present ''. Yeah because they used my stolen phone and card information! It is XXXX XXXX  that cash app does not follow visa cards dispute policy or any legal policy put into place. They also refuse to allow any appeal of this decision, even though it was clear they investigated nothing.
Consumer complaint received 2023-10-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC. (AK)

I invested XXXX of insurance money from an injury they then locked account and took funds wont let me access or get back nor will they give a reason. RobbinHood hood steals from the poor to make themselves rich.
Consumer complaint received 2023-08-30
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA (NJ)

CFR 1026.11 ( a ) ( 2 ) states " Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer '' I requested a positive balance of {$7800.00} refund on my XXXX credit card on XX/XX/23 and as of today, XX/XX/23, I have not received it. 

On XX/XX/23, I called and confirmed with the representative that the balance can be refunded to my checking account ending in XXXX in 8-10 business days. On XX/XX/23 I called again since it has been past the 8-10 business day window and was told it is still being worked on. On XX/XX/23, the balance was still not refunded. I spoke to a manager and said the case will be escalated and I should expect a communication by end of day XX/XX/23. Today is XX/XX/23 and I still have no received a response nor a refund of my positive balance.
Consumer complaint received 2023-10-02
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. (IL)

I AM A VICTIM OF XXXX AND IDENTITY THEFT. ive been contacting the credit bureaus for months and they have ignored my disputes sending them through a machine which is illegal in the first place.
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TransUnion is providing outdated information to my creditors. Although delinquent items have been removed from my credit report, my creditors are receiving information directly from TransUnion stating that I have delinquent items on my credit report. There are no delinquent items on my credit reports when I view them, however TransUnion is providing incorrect information to my creditors.
Consumer complaint received 2022-12-09
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. (NV)

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 items ( A ). It is not permissible to fail to validate these reporting items 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 corrected : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Block, Inc. (IL)

I have an account with CashApp. It was just that. Cashapp with a small balance and linked to one of my real bank accounts. 
I suddenly starting see XXXX XXXX ' charges being declined despite never requesting or authorizing a XXXX XXXX. I tried to work with their support. They agreed I never authorized a card. They would only send me to a link to report my XXXX XXXX 'stolen ' even though I had never been issued or authorized a XXXX XXXX  with them. I have no card details nor has any physical account number ever been shared with me. 
How can Cashapp issue a credit card number in my name and account without my authorization? And then request me to report it lost or stolen? The online support basically said 'sorry report it stolen and I can help you no further '. The cashapp support took no action to stop or close the account even though they could see the declined charges and me saying they were of course not authorised ( I have no cash card ) Luckily the charges are being declined so far. Six or more declined charges to date.
Consumer complaint received 2023-01-27
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with overdraft — Overdraft charges
Company: Block, Inc. (WI)

I was injured in Wisconsin on XXXX XXXX because my financial institution Cashapp let funds go from my account even though I did not have enough funds to make the purchase the merchant displayed one price and charged another. It does not appear to have went through any various of incremental price adjustments. Just flat out charged more than what was in my account. Held my funds pending for days. At a time when someone I owed came to collect some of there money I couldnt pay that person and we got into XXXX  I received XXXX XXXX XXXX and at one point I was having an anxiety attack paired with a sciatic nerve in my back that restricts my inhalation and I could not remove myself from the situation because my life was being threatened by my body.These transactions technically completed because the merchant had to cancel them. These transactions were completed not peer to peer and was made with their cash card product.. liability belongs to Cashapp without a doubt. I do not have a borrow allowance. If I didnt faint my XXXX would have arrested completely to my knowledge.
Consumer complaint received 2023-08-29
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY (FL)

I have applied for scra benifits with the key provision of the state of Ohio which extends scra benifits to debt acquired during XXXX XXXX service. This caps all interest to 6 % and all over paid interest and fee shall be refunded retroactively. I was told that because my account was opened after enlisting that I do not qualify for scra. But with my home of record being ohio I qualify for the key provisions of scra for the state of Ohio.
Consumer complaint received 2023-06-02
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. (AR)

This is my 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 belongs to me, or that I have signed any agreement. Kindly have an investigations regarding this complain.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 XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX XXXX Balance Owed : {$1900.00} ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance XXXX XXXX {$1900.00} 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 XXXXXXXX XXXX XXXX  XXXX XXXX XXXX  XXXX ; XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX XXXX Balance Owed : {$1900.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-10-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BSI Financial Holdings, Inc. (GA)

I have a mortgage through BSI Financial on my condo in XXXX XXXX, Alabama. The mortgage payment has been {$2900.00} each month and is automatically drafted from checking account. 

On XX/XX/XXXX, BSI Financial drafted {$5100.00} ( {$2100.00} more than what my normal payment ) from my checking account. When I called to find out why they drafted so much, they informed my that they applied a forced place flood policy to my escrow- despite the fact that we already provided the policy to BSI Financial. During my call, I emailed the policy to the customer service agent and she indicated that a new escrow analysis will be completed and my payment would be updated within 5 days. 

After my call with BSI, I called my bank XXXX Bank XXXX XXXX ) and had them reverse the payment to BSI since it was incorrect. XXXX did in fact reverse the payment for me on XX/XX/XXXX. 

Since then, I have called BSI multiple times per week ( sometimes multiple times per day ) to have my XXXX payment amount updated so I can make a payment. I can never get a consistent answer from anyone at the company. I've been told to simply wait longer ( despite the fact that I'm incurring late fees ), I've been told they still don't have my flood insurance policy, I've been told the escrow analysis was complete, then told the analysis was never done, etc. 

I've spoken to a supervisor- XXXX XXXX- who gave me his direct email address. I've emailed him multiple times ( as has my wife ) trying to get a resolution to this. He hasn't responded to any of our emails. 

I simply want to make my accurate mortgage payments without late fees. We're now in XXXX and my XXXX payment will soon be due on top of my XXXX payment, and I have no confidence that it will be accurate either. I need help getting BSI Financial to provide an updated escrow analysis and updated mortgage information so I can make my payments to them.
Consumer complaint received 2023-08-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (MI)

The company is reporting inaccurate information to my consumer reports. Reporting past due amount of {$380.00} without sending me any information about what this debt is from. I never did business or had any written contract with this company.
Consumer complaint received 2023-08-29
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC. (MD)

This agency is reporting an inaccurate account which does not belong to me. 

I have not supplied proof under the doctrine of estopper by silence, Engelhardt v Gravens ( mo ) 281 SW 715,719, 1 presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
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: Bread Financial Holdings, Inc. (WV)

In accordance to the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy 15 USC 1681 section 604 A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
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: Bread Financial Holdings, Inc. (WV)

In accordance to the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy 15 USC 1681 section 604 A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent inquiries in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any inquiries listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of inquiries that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  FINANCI XX/XX/XXXX XXXX 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-06-21
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. (OH)

I have no knowledge of this accounts, XXXX  XXXX XXXX  XXXX, ACCT # XXXX, and XXXX XXXX, ACCT # XXXX but they are being reported on my credit report. Under Section 604 15 U.S. Code 1681 B, it states none of the credit bureaus have the right to report anything on my credit report. 

15 U.S. Code 1692 states that upon any disputed item on a consumers credit report, the debt collector shall cease collection of the debt, or any disputed portion thereof. Therefore, this is in violation! According to 15 US Code 681s-2, 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: EQUIFAX, INC. (NJ)

In accordance with the fair credit reporting act XXXX account # XXXX, 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 bee ignored by the reporting agency. Please help me.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc. (IL)

To Whom It May Concern, I am writing to dispute an inaccurate address listed on my credit file. The following address is not associated with me and needs to be corrected promptly. 

Incorrect Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX The proper address : XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, IL XXXX Please investigate and rectify this error at your earliest convenience. Kindly provide written confirmation once the correction is made. Thank you for your swift attention to this matter.
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. (NV)

CASH APP is the problem! 

My niece stole from me. She used my phone, had access to everything in my apartment while I was working. She tried to cash app herself some money as if I wouldn't notice! 
She ended up sending money to a cashapp she no longer used and then tried fixing it. 

I receive notification from XXXX when money is debited from my account and I check my account daily. Cash APP had {$100.00} of my money. 
I checked cash app and being that my niece was in my apartment it was her cash app, I had the theft near me. 
After confronting her she gave unacceptable excuses and then said, tried to fix the problem by contacting Cashapp since she sent money to the wrong cashapp. 
So basically, she tried to fix the problem to steal and have it directed to her open account. 
I then contacted cash app to let it be known the transaction was fraudulent. 

Yes she had access to my purse and phone. 
I made that clear. 
It was still fraudulent. 

On XX/XX/2023, Cash app sent me a message stating the transaction was CANCELED and the refund will show up in XXXX business days. 
It will be Credited or Voided and fall off. 

I sent that message to XXXX XXXX XXXX XXXX. 
On XX/XX/2023, I had to file a dispute against Cash App for not honoring their statement. 

The transaction posted. 

I am now waiting for assistance from the XXXX XXXX of my credit union since Cash App has now stolen my money. 

It was XXXX stolen by my niece, I was told it was canceled and now since it's posted, Cash App is trying to keep my money anyway. 

I have changed my Debit card, XXXX is now assisting me and Cash App is no help at all. You would think they would honor what they said. 
This has made me place a review on XXXX XXXX since they can't be trusted. 

I feel like my money has been stolen twice! 

You would think that it is XXXX XXXX dollars. 

I can't understand why anyone especially Cash App would run off with {$100.00} of my money! 
I am offended and shocked that they not only stated they canceled the transaction but they also stated how I will receive it back. 

And now they are stating no cancellations. 

My money was stolen and I just want it back, that's all! 

I plan to fight this even in small claims court since it looks like I will have to go there.