davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX : {$5200.00} XXXXXXXX XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXX XXXX ) XXXX  Balance : {$210.00} XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX XXXX  Inquiry XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX - XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX - XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX - XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX Inquiry XXXX XXXX. 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 an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-10-03
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. (CA)

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of these items that do not belong to me which is reported erroneously. I am in desperate need of these itemsto be INSPECTED and REMOVED. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN, XXXX AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX : {$460.00} XXXX  XXXX Balance : {$260.00} XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2022-12-09
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. (NJ)

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-24
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. (TX)

This is XXXX XXXX XXXX please 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 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block these items not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on these items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX CT XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$9900.00} XXXX XXXX XXXX  XXXX XXXX XXXX : {$420.00} XXXX XXXXXXXX XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX Balance : {$460.00} XXXX  XXXX Balance : {$130.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$910.00} XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX FIN Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX CA Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX
Consumer complaint received 2023-10-03
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. (GA)

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block these items not later than 4 business days after the May 26, 2023. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on these items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX CT XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$9900.00} XXXX XXXX XXXX  XXXX XXXX XXXX : {$420.00} XXXX XXXX XXXX  XXXX Balance : {$2300.00} XXXX XXXX XXXX Balance : {$460.00} XXXX  XXXX Balance : {$130.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$910.00} XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX ACCEPT Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX CA Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XXXX XXXX, XXXX
Consumer complaint received 2023-05-24
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Salary Finance Inc (MI)

Hi, I applied for a {$2000.00} loan from Salary Finance through XXXX and I was denied without reasoning why. I was discriminated against as a consumer. If this denial was based upon credit score then I would like Salary Finance to be made an aware that deeming a consumer to be eligible based upon income or a credit score if a violation of federal law. I would like to inform Salary Finance of the following information a credit score is defined pursuant to 15 USC 1681g ( f ) ( 2 ) ( A ) the term person highlighted within that law is defined pursuant to 15 USC 1681a ( b ). The federal statues defines a credit score and who a credit score is for which they are for a statutory person defined within the law provided. I am a consumer/natural person born alive defined pursuant to 15 USC 1692a ( 3 ) and 1 USC 8 therefore a credit score does not apply to the living consumer and it is unlawful and discrimination against an applicant pursuant to 15 USC 1691 ( a ) ( 1-3 ). I am requesting that Salary Finance provide a response to this CFPB complaint with the supporting federal laws that are applicable to the denial. Also if a credit score applies to me, as the consumer, then Im requesting Salary Finance to provide the supporting federal law thats states that. This is in no way to be combative or belligerent while exercising my federally protected & constitutionally rights. The action of the company are a violation of the federal FDCPA, FCRA, ECOA, etc. Thank you in advance!
Consumer complaint received 2023-10-03
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: Experian Information Solutions Inc. (AZ)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an UPDATE of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-03
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. (GA)

In accordance with the Fair Credit Reporting Act, Account - BANK OF XXXX, has violated my rights 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 an account without my instructions.
Consumer complaint received 2023-02-27
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Block, Inc. (MN)

The banking product has a feature that allows me / user to lock the debit card. If the card is locked, the card will decline any transaction attempt. Once the card is unlocked, the transaction will be processed if funds are available. When transactions are with merchants that could charge additional fees e.g., hotels, restaurants, etc., the bank will hold the charge in " pending '' status until the merchant settles the transaction On XX/XX/2023, at XXXX XXXX., I unlocked my card in advance of checking into the XXXX XXXX in XXXX XXXX XXXX, MN. I inserted my card into the hotel 's card reader, and the transaction for {$240.00} was declined despite the fact that I had sufficient funds. I used a credit card to check in. At XXXX, a hold for {$250.00} was processed on the debit card that was declined one minute before. 
The debit card at issue is a business CashApp card through XXXX XXXX routing # XXXX. 
After spending hours using CashApp 's customer service messaging, I was finally provided a phone number to their customer service. The agent I spoke with emailed me, with a reference number, and instructed me to reply with a XXXX balance receipt from the hotel. Notably, NEITHER THE HOTEL NOR CASHAPP could provide me with an authorization number for this hold because, at least on the hotel 's side, they never got an authorization number. On a phone call that I recorded, the CashApp representative stated that CashApp had NO AUTHORIZATION OR REFERENCE NUMBER for the transaction. Nevertheless, after sending CashApp a XXXX balance receipt and itemized receipt, via the email and per their instruction, the agent stated that they could not release the hold BECAUSE THE TRANSACTION WAS MADE WITH ANOTHER CREDIT CARD. 
I was in one of the most dangerous blizzards in the history of Minnesota, stuck at a hotel with no way to leave because CashApp had my funds tied up. I was there to begin with because I sat for the MN Bar Exam on XXXX XXXX. I did not check out until Saturday. 
Ultimately, without cause or effort to contact the merchant, CashApp will not release my funds until they get confirmation of an authorization release -- on an authorization that never existed and resulted from their own system error.
Consumer complaint received 2024-04-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I've consistently upheld the practice of making timely payments on this account, preventing any instances of overdue payments. The emergence of late payment remarks on my accounts is puzzling to me. Moreover, as stipulated by 15 USC 1666b - Billing Error, it is imperative to address any billing discrepancies.
Consumer complaint received 2023-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Block, Inc. (TX)

Cashapp/Visa purchase protection transaction dispute process does not help or protect my transactions or purchases it is very difficult to get in touch wit customer service or anyone to help and the amount of time it takes cash app to review allows for the merchant to steal money. 

In XXXX I made purchase from a overseas merchant for 3 pairs of leather boots, after 1 month of not receiving the products I purchased I contacted cash app to file a dispute my dispute was denied the merchant sent me plastic boots not what I ordered I contacted cash app to file another dispute since I had not received the products I ordered the claim was again denied I was defrauded out of {$220.00} due to cash app negligence XX/XX/XXXX I purchased 150 shoe boxes from an overseas merchant with adds from XXXX the 100 shoes Boxes were in sale for XXXX I paid using cash app. I was to receive the good by XX/XX/XXXX. on XX/XX/XXXX I did not receive the goods and I tried to contact the merchant and did not receive any response I contacted the merchant over 6 times. the merchant provided fake tracking with USPS I tracked the shipment and USPS does not have this tracking # in their system. I filed a dispute with cash app. the claim was denied cash app customer service has not provided any details on both occasions why the claim was denied I asked what is the bases have they received a response from the merchants. Cashapp provided no information. I was defrauded XXXX this total over XXXX I have lost due to cash app failure to provide transaction and purchase protection while using their card according to the card holder agreement. 

This merchant is advertising on XXXX
Consumer complaint received 2023-10-03
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: EQUIFAX, INC. (NY)

I am writing to convey my ongoing concern regarding erroneous late payment entries on my credit report. Despite multiple requests for resolution, this issue remains uncorrected. I want to stress that these late payment entries are inaccurately recorded, and I have provided substantial evidence confirming my consistent and timely payments to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Despite my previous attempts to rectify this matter and the supporting documentation I have submitted, the incorrect late payment entries continue to appear on my credit report. I kindly request that you take the necessary steps to rectify and remove these inaccurate late payment entries from my credit report. Please ensure that these accounts are corrected.
Consumer complaint received 2023-08-27
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: JPMORGAN CHASE & CO. (MS)

I have a hard inquiry dated for XX/XX/2023 and on XX/XX/2023 for XXXX XXXX. 
I have a hard inquiry dated for XX/XX/2023 from XXXX XXXX XXXX XXXX JPMCB AUTO FINANCE, AND XXXX XXXX XXXX. I didn't apply for anything to have these Inquiries on my credit report, Could you please remove these.
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

AFTER I DEDICATEDLY FOLLOWED ALL THE REQUIRED PROCESS IN ORDER TO PROVE THAT I AM A VICTIM!? HOW COULD YOU HAVE DENIED MY REQUEST WITHOUT A SPECIFIC EXPLANATION!? Let me begin by highlighting my incredulity at your audacity in deeming my documents as " INVALID. '' I provided comprehensive documentation, carefully and meticulously following your instructions to substantiate my dispute to remove these fraudulent accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX What further exacerbates my irritation is the evident lack of compliance exhibited by your bureau in handling my case. The Fair Credit Reporting Act ( FCRA ) clearly stipulates that credit bureaus like yours are legally obligated to conduct a reasonable investigation into consumer disputes. This includes a thorough examination of all documentation provided, as well as a diligent effort to resolve the dispute within the mandated time frame. 
Your inability or unwillingness to fulfill these fundamental obligations is a blatant violation of the FCRA and raises serious concerns about the integrity of your operations. I insist on receiving a detailed account of the actions taken, or rather, the lack thereof, in handling my dispute and the specific reasons behind deeming my documents " INVALID. ''
Consumer complaint received 2023-10-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Dave Operating, LLC (MI)

I make a dispute threw the online Bank name Dave banking was on XX/XX/2023 after 10 day I received email say the investigation was completed and the found return to my account but my account still say suspended I can't have access to my found I send over 30 email and request never here back from them I can't even get hold on someone over the phone I try everything I could to get my money but unfortunately is no answer.
Consumer complaint received 2022-11-10
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: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I received a credit card from Bank of America that I never applied-for, and, did report it to this company. I just don't understand why the crook would have it sent to my address? 

XXXX XXXX XXXX
Consumer complaint received 2023-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Block, Inc. (MS)

I was awarded a refund {$36.00} on XX/XX/XXXX from XXXX on XX/XX/XXXX two refunds of {$7.00}, which left a remaining {$21.00} that i did not receive. After reaching out to XXXX multiple times it turns out the issue is actually with Cashapp. XXXX has released the refund multiple times but Cashapp is not letting it go through. I received an email this morning ( XX/XX/XXXX ) at XXXXXXXX XXXX saying that again XXXX released a refund and even manually did it. When i went to Cashapp my balance jumped to {$36.00} for a second then dropped back down to {$14.00}. I reached out to Cashapp support yesterday and today both times they acted as if the refund did not exist, even though they gave me partial refund from the same transaction, and when i provided proof that it does exist and that they still have not given me the rest with screenshots they then would say they told me all they could regarding the situation and leave the close the chat or hang up the phone on me.
Consumer complaint received 2023-01-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc. (AL)

{$280.00} dispute they said credit was issued on XX/XX/XXXX but i didn't receive it. On XX/XX/XXXX I received two more emails stating I got two more credits for {$200.00} and {$180.00} which I never received I also had a {$640.00} refund from XXXX I have been waiting on I haven't received either and they have told me they can see it but nothing else until the transaction clears well they closed my account over night and now won't give me any of my money back. I also did a deposit from square for {$800.00} that hasn't been added to my account. I have a XXXX XXXX XXXX that was born with XXXX XXXX XXXX. His XXXX  is {$1200.00} twice a month I don't get paid for two more weeks. They closed my account shouldn't they haven't given me my money. Without the XXXXXXXX XXXX XXXX XXXX. That's my money and I want it since they closed my account.this is not right it's disgusting