davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Block, Inc. (GA)

I am complaining about the Cash App institution. I cashed out the amount of XXXX $ on XX/XX/XXXX from Cash App into my personal bank account with XXXX. At the time of the original cash out my cash app account was in good standing. I did not do instant transfer I did the standard transfer so the date I was to receive the funds was XX/XX/XXXX. I changed my mind today XX/XX/XXXX and selected to do the instant cash out. I received a notification stating that the amount had been deposited into my bank account. Instead cash app had used MY money to pay a negative balance and I did not receive a failed cash out or failed transfer notification. The account is still showing as it was deposited into my bank after cash app had already sent it back to themselves. They used my funds to pay themselves without my consent. I have pictures of what was being deposited in my account I also have record of customer service not actually helping or answering the concerns I had. It was intentional misdirection and intentionally misdiagnosing the problem and I provided proof of the faulty transaction.
Consumer complaint received 2023-08-12
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. (MN)

In accordance with the Fair Credit Reporting and XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602.A . States I have a right to privacy.

15 U.S.C. 1681 section 604.A. Section 2 : A consumer reporting agency can not furnish account without written instructions.
Consumer complaint received 2023-08-12
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. (NY)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-12
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. (TX)

Previously, I made an investigation about these accounts with incorrect information and after checking your responses, I recognized that the same accounts are still incorrect, with a confirmed status. Please correct the following accounts listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (WI)

I was told to send a dispute request XXXX by a Nelnet rep. BELOW IS A COPY HI, my former account is XXXX. 
I request an expedited dispute against the 3 past Student loan accounts that were transferred XXXX to XXXX XXXX  XXXX These accounts are still showing up open on my XXXX credit report & 1 account for ( $ XXXX ) is still reporting open on XXXX XXXX The other 2 accounts have been removed on XXXX & all Nelnet Accounts have been removed completely from the XXXX report. 
I have been disputing these error for 6 months & the bureaus are making it very difficult because when they send a dispute to Nelnet to verify if these accounts are accurate, at the time of XX/XX/XXXX, Nelnet credit department keeps saying YES they were accurate at that time, though they are not opened & I have a XXXX balance with Nelnet & this allows the account to stay on my reports. I have requested several times to XXXX XXXX XXXX to please ask Nelnet if the loans were transferred to XXXX XXXX  & are no longer opened & they seem to refuse to dispute correctly & investigate. I have submitted to XXXX XXXX XXXX the transfer letter & the recent letter I received from Nelnet XXXX & they still won't remove the old loans. Both XXXX XXXX XXXX are violating my rights & it's against the law to report inaccurate information on your credit reports. XXXX stated they need a letter directly from Nelnet stating the loans were transferred & no longer opened & I no longer have a balance with Nelnet. The last rep. I Spoke with Nelnet ( XXXX ) informed me that they reported the loans transferred to XXXX XXXX  XX/XX/XXXX & no longer opened. 
XXXX XXXX XXXX act like they never received that info. I'm requesting Nelnet to report to XXXX XXXX XXXX these accounts were transferred & are NOT opened & for Nelent to include a letter of transfer stating the loans are with XXXX XXXX now & not opened & I have no balance with Nelnet any more & please remove these accounts. 
I have included a copy of my credit reports from XXXX XXXX XXXX, showing the Nelnet accounts are currently still reporting open to these credit Bureaus. I also included the letters Nelnet provided me about the transfer etc. 
I appreciate your help tremendously, in getting this matter finally resolved quickly, it is slowing me down from getting the best deal on buying my 1st home & other future endeavors of using my credit.
Consumer complaint received 2024-05-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (FL)

DEAR SIRS/ DIRECTOR C.F.P.B CONSUMER PROTECTION USA. 

THE CLIENT AND SOCIAL SECURITY DEPOSIT IN XXXX XXXX ON XX/XX/XXXX RECEIVE NOTICE OF SOME COMPANY CASH APP HAS BEEN TAKEN OF MY ACCOUNT XXXX XXXX THE AMOUNT OF {$30.00} WITHOUT MY AUTHORIZATION. {$10.00}, {$10.00}, $ XXXX Cash App XXXX XXXX, XXXX XXXX XXXX, CA XXXX Call us at ( XXXX ) XXXX Available daily, XXXX XXXX XXXX ET MY BANK OFFICER INMEDIATELY CHANGE MY DEBIT CARD FOR ANOTHER TO AVOID FUTURE REPETITION FRAUDE. 

I WAS CALLING AND REPRESENTANT OF CASH APP WAS WORKING SINCE HER RESIDENCE AND NOT INTO COMPANY CASH APP. 

XXXX XXXX XXXX XXXX DO NOT CARRY ANY CARD CASH APP NOR HAS ACCOUNT WITH CASH APP. 

DBT CRD XXXX XX/XX/XXXX XXXX -- XXXX  XXXX BALANCE ADD -- XXXX XXXX  XXXX # XXXX XXXX {$10.00} DBT CRD XXXX XX/XX/XXXX XXXX -- XXXX XXXX BALANCE ADD -- XXXX XXXX  XXXX # XXXX XXXX {$10.00} DBT CRD XXXX XX/XX/XXXX XXXX -- XXXX XXXX BALANCE ADD -- XXXX XXXX  XXXX # XXXX XXXX {$10.00} Operacion realized XX/XX/XXXX
Consumer complaint received 2023-06-19
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: EQUIFAX, INC. (FL)

I sent a letter on ( XX/XX/2023 ) to remove the inacurate items that is UNKNOWN to me to bureaus. I came across the law today and according to the Per FCRA you are required to update any accounts or information not later than 4 business days after the ( XX/XX/2023 ). 

XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX
Consumer complaint received 2024-05-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (NJ)

I git a deposit from XXXX XXXX and I get a message negative in my account XXXX XXXX I go in my online account so I call they saying all this XXXX lies as always to cover up their mistakes ( seen on the news ) that Wells Fargo had problems with late deposit I know I had enough money in my account shouldn't be negative now I look a hour ago its XXXX dollars now they just making up stuff and I see XXXX things from a place I paid already the member fee
Consumer complaint received 2023-08-12
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2023-08-12
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. (MD)

I am writing to formally report and request the removal of fraudulent items from my credit report, which are inaccurately reflecting my credit history due to identity theft. I have thoroughly reviewed my credit report from your agency and have identified instances of fraudulent reporting that I believe require immediate attention and rectification. I have outlined the details of the fraudulent items along with an explanation of the situation : I did not open or authorize the items listed above. It has come to my attention that I have been a victim of identity theft, and the reported fraudulent items are a result of this criminal activity. I have taken immediate steps to address this situation, including filing a police report and notifying the relevant authorities. I request your urgent assistance in investigating and rectifying this fraudulent activity on my credit report, in accordance with the Fair Credit Reporting Act. I kindly request the removal of the fraudulent items associated with the mentioned items, as it is negatively affecting my credit history and financial well-being. I am aware of the legal requirement for credit bureaus to investigate and respond to disputes within 30 days. Given the seriousness of this matter, I am seeking your prompt attention and resolution. Please provide me with a written confirmation of the removal once the investigation is complete. Furthermore, I request an updated copy of my credit report reflecting the accurate and corrected information, once the fraudulent items has been removed. These are the following fraudulent items that I want to disposed of : 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
Consumer complaint received 2023-08-12
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)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX Balance Owed : {$320.00},
Consumer complaint received 2023-06-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Im accordance with the fair credit reporting act XXXX  account XXXX XXXX XX/XX/XXXX, 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 XXXXXX/XX/XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 section 604 A Section : It also states a consumer reporting agency can not Furnish an account without my written instructions.
Consumer complaint received 2023-08-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I respectfully urge XXXX and the major credit bureaus to promptly cease the inclusion of the specified entry in my credit report. It is my earnest request that you not only take immediate action to rectify this matter but also emphasize the importance of adhering to the laws established to safeguard American citizens from the practices of aggressive debt collectors and to ensure equitable conduct by credit reporting agencies. 

The detailed entry pertains to the following information : Creditor : XXXX XXXX Account Balance : {$12000.00} Account Status : Negative Round 3 Sent Account Number : XXXX Account Status : Closed Credit Limit : {$0.00} Highest Balance : {$27000.00} Payment Amount : {$0.00} Last Payment Date : XX/XX/XXXX Term : 76 Months Account Description : Individual Opened On : XX/XX/XXXXClosed On : XX/XX/XXXX Last Reported On : XX/XX/XXXX Days Late : 30 : 0 | 60 : 0 | 90 : 0 Payment Status : Collection/Chargeoff Amount Past Due : {$12000.00} Lowest Credit Rating : Not Specified Remarks : Account charged off as uncollectible debt Write-off : Classified as a loss in profits In accordance with 15 U.S.C. 1681 Section 602 A, which asserts my right to privacy, and 15 U.S.C. 1681 Section 604 A Section 2, which mandates the need for my written consent before disclosing account information, I implore your diligence in rectifying this situation promptly. Moreover, adhering to the stipulations of 15 U.S.C. 1692C, I emphasize that any communication related to debt collection must have my prior consent. 

I kindly request your full cooperation in addressing this matter with a sense of urgency, while ensuring strict adherence to the pertinent consumer protection laws. Your commitment to rectifying this issue and upholding the principles of fair and lawful conduct is greatly appreciated.
Consumer complaint received 2023-04-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (CA)

I have found out that there are many unauthorized Venmo transactions charged on my account, and also my debit card and phone number was linked to someone elses account, I have reported to Venmo and they said they cant do anything about it.
Consumer complaint received 2023-08-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (NJ)

on XXXX XXXX, Chase bank issues an updated policy titled " Chase digital service agreement ''. The file is XXXX pages long, and is full of technical jargon and details that are difficult to read and understand. Additionally, Chase is REQUIRING the user to fully accept the agreement, or the user will no longer have access to use any online features. ( Banking, reading statements, etc ). 

This action is extremely restrictive and is forced on the user with no choices to accept or lose use of the app and its functions, which for many people, is their only way to perform most if not all of their banking needs. This action takes any and all choice away from the user, except for " comply or get out ''. This unfair business practice leaves the user handcuffed and unable to do anything to maintain our rights as consumers with regard to policy changes. Chase knows that 99.5 % of people will blindly agree to this, knowing that the XXXX pages of details are WAY TOO MUCH for people to read or understand, and in this way forces whatever policies and requirements on a unknowing consumer just to fit the needs of the bank, and giving nothing but rules and restriction to the people they are supposed to be serving. 

I see this as a strong armed attempt to force the user to follow their demands without any concern for the consumers rights and freedoms. This must be investigated.
Consumer complaint received 2024-05-01
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (TN)

I have been an American Express member for XXXX years. I have always had my payments on automatic payment for XXXX years. 

This month, without cause or reason, Amex cancelled my account. 

When I called to discuss this, I was bounced around from XXXX foreign country call center to another. I could not understand what the agents were saying half the time, because they could not speak proper XXXX. 

My last experience with American Express, left me feeling not so " American ''. 

What I could understand from the conversation was my account was cancelled for " collections ''. 

How can you cancel an account that is XXXX XXXX XXXX for " collections '', when I have NEVER BEEN LATE IN XXXX YEARS? 

Is this how you treat a XXXX year customer?
Consumer complaint received 2023-08-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I, XXXX XXXX XXXX XXXX, have been a victim of identity theft. I have attached my FTC report listing all of the inquiries I have been affected by due to the Louisiana Data Breach and being a victim of identity theft. I have no accounts with the companies listed below. 

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 2021-03-05
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: EQUIFAX, INC. (GA)

During the timeframe of XX/XX/XXXX up until XX/XX/XXXX. I have made contact with Equifax regarding fraudulent inquiries listed on my credit report. I have spoke with agents, supervisor as well as management in what they call their consumer affairs department. I was told to file a police report and or FTC report. There was no specific details on how I was to file either report. After faxing over documents in XXXX of XXXX I was told numerous of times that my documents where not visible. I continue to resend the documents via fax. During the month of XXXX I was told that they see the documents however my documents are not valid. I question that statement. I was hung up on, transferred to survey and put on hold for hours on many different occasion. One agent finally told me that the FTC would only be consider valid if I have five accounts listed. I then went on to correct the FTC and mail in by certified mail the FTC, police report, utility bill, and my drivers license. I called once I seen my documents had been delivered on XX/XX/XXXX. I made contact with numerous of agents on XX/XX/XXXX who stated that my documents had not been received although the tracking stated delivered. I have continued to reach out to Equifax to no avail and under the fair credit reporting act Equifax had 30 days to remove all fraudulent information from my credit report but failed to do so.
Consumer complaint received 2017-08-23
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (IL)

I moved into my home in XX/XX/XXXX in XX/XX/XXXX I felt behind on my mortgage 3 months my mortgage company offer me loan modification I except the loan modification thinking that they were going to put the 3 months that I was behind in at the end of the loan only to find out that they wiped out the entire 12 years of payments that I had previous from XX/XX/XXXX through XX/XX/XXXX and started the loan over for 30 years. Which mean instead of me being through with my loan and owning my home in 13 years it will now be 25 years at the age that I am now and because of this I will probably never live to be able to retire and will never live to own my home. Which mean that they would get 42 years in payments and probably still end up with them owning the house. I work all my life and will not have my home. That 's un fair this company took advantage of me when I needed help and nowhere to turn to. In reality I paid them XXXX dollars for being behind on my mortgage 3 months which was about 3.000 dollars. XXXX XXXX
Consumer complaint received 2021-03-05
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2020 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by theXX/XX/XXXX data breach and may have gotten into hands of the wrong person.