davidheineman/consumer-finance-complaints-large huggingface dataset:
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: EQUIFAX, INC. (TX)

The following account hard inquires and collection I don't not acknowledged and was not authorize by me and appear to be fraudulent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-06
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 XXXX  Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and 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 written instructions.
Consumer complaint received 2023-09-06
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. (AZ)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MS)

I need clarification as to why you are reporting certain information on my report. 
Please review the following : Inquiry Account : XXXX XXXX XX/XX/22 Please send me documentation with proof of my signature showing that I in fact applied with this creditor otherwise remove this unverifiable inquiry from my credit report. 
After you have completed my request, send me a copy of my credit report reflecting these changes. 


XXXX XXXX
Consumer complaint received 2023-03-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (TX)

My cash app account was fraudulently accessed and I was locked out and XXXX dollars was stolen from me due to no fault of my own. The only possible way that this could of happened to me is because I am one of the users who's data was compromised by block inc who owns cash app. Because the company did not secure their users information properly my account was able to be accessed and money taken out of my account and there was nothing I could do about it until I got in touch with cash app support. 
I will explain. On XX/XX/2023 I get an email from cash app saying my account was accessed from a different or new device at XXXX near XXXX XXXX I live in XXXX Texas so that right there should something. Then also on XX/XX/223 at XXXX my email address was unlinked from cash app locking me out of my account entirely. I contacted cash app support as soon as I realized what happened and it took days for cash app support to finally respond back to me. I had over XXXX dollars in account before I was locked out of the account and then my email address was unlinked from the account on XXXX. It took days and days for me to finally get a response back from cash appp because I had to create a whole new account just to get someone from cash app support to finally help me. I told cash app support what happened to me and I was able to finally regain access back into the account on XX/XX/2023. Not even 6 minutes later somehow my email address was able to be once again unlinked from my account and I was locked out of the account for the 2nd time. Please keep in mind this is the same cash app account that cash app support had just granted me access back into just 6 minutes earlier. When I was locked out of the account for the 2nd time I had XXXX dollars in the account still. When I was finally able to get a hold of cash app again about this matter i explained to them what happened but no one would listen or even attempt to try and help me .now I am told that there is about XXXX XXXX in the account and that I need to calm down. How can the XXXX XXXX I had in the account yesterday XX/XX/2023 just disappear even though I have proof that my account was accessed fraudulently without my permission? How can it just be lost forever? How is that okay? Had cash app not had the data breech I would not even be in this horrible situation in the first place. 2nd had cash app done there job whenever they were able to give me access back into the account and taken off the other emails or phone numbers etc. I wouldn't be writing this email either. Some how 6 minutes later my email address was unlinked and I was kicked back out. Now fast forward to today cash app is telling me I only had XXXX XXXX on the account left. When the day before that 9 hours previous to be exact I had XXXX american dollars. What happened to all of my money?
Consumer complaint received 2024-06-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Dear Equifax, XXXX and XXXX I am writing to dispute the following information on my credit report. I have reviewed my credit report and found an error in the information related to a collection account. Please see the details below : Account Number : XXXX Creditor : XXXX XXXX Balance Owed : {$510.00} Date of Last Activity : XX/XX/XXXX Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX I believe that this information is inaccurate for the following reasons : I have never had an account with this creditor. I am a victim of identity theft. 
To support my claim, I request the following documents you obtained to verify that this is valid. 

According to the Fair Credit Reporting Act ( FCRA ), you are required to see me documentation of your procedures and an updated credit report reflecting such action took. Please send me written confirmation that the requested corrections have been made. 

Thank you for your prompt attention to this matter. I look forward to your response.
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: EQUIFAX, INC. (PA)

I believe FCRA 605B mandates the elimination of any erroneous entries from my credit report. Could you verify the paperwork? Some of the listed entries exhibit inaccuracies in reporting, including erroneous amounts and dates.
Consumer complaint received 2023-03-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (TX)

XX/XX/23, a unauthorized unlinking of my XXXX account that was sent to me via text message I have three different cash app accounts two were business accounts one was my personal daily use account since XX/XX/XXXX I have not been able to get access to both of my business accounts I have contacted cash app regarding this matter cash app has been reluctant to help more of a repetitive process in the end they denied me access to my account which I have proven that both of these accounts are mine someone has consistently used my Bitcoin you can clearly see it under my main cash app account limit it fluctuates constantly I have also informed the cash out of this but they say there's nothing we can do but who's liable or who has to file these taxes at the end of the year I didn't make all or withdrawal 90 % of these Bitcoin transactions someone has changed to my cash tag names emails I'm locked out of one of my XXXX to where I am not able to recover that XXXX they changed my numbers I have proven that both of those accounts were are mine by sending images screenshots of my cash app cards for each account cash app will not help retrieve my Bitcoin money and the 2 business accounts that have been stolen, now on the XXXX of XXXX I tried to send my friend some money and I was unable to because cash app instructed me to verify my identity which I immediately did with a selfie video and pictures catch up told me that it would take 24 hours for them to verify it's been 4 days and I have not heard anything mind you nobody can send me money I can't send nobody money I don't have access to my Bitcoin wallet under this specific account but she had my Bitcoin limit keeps fluctuating therefore proves someone has stolen my other two accounts I would like immediate assistance in rendering or closing both of those accounts so I can be able to have my one account as well as recovering my loss and stolen Bitcoin because something is not right here and something is going on once again I have three accounts and cash app has denied me access to two separate accounts One account my main account I am unable to use because of cash app you will not let me send or receive money if I don't have access to no accounts why is my Bitcoin limit fluctuating that should not be
Consumer complaint received 2023-03-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc. ()

On XXXX XXXX my daughter tried to make a purchase with her cashapp but it said declined for your protection she tried to call to find out why cause she had {$100.00} in there from her birthday. They told her a special team is looking into it but I would have to call as I am the sponsor on her account, I called to find out what is going on and they told me what they told my daughter they said I should receive an email. So I waited on XXXX XXXX her school financial aid was direct deposited and on XX/XX/XXXX her paycheck was deposited she attempted to transfer her funds to her new bank account but it was declined, from XX/XX/XXXX to XX/XX/XXXX I called everyday to get them to release her money I even spoke to a supervisor and again I got the same response on every phone call a special team is handling the issue and I will receive an email it is now XX/XX/XXXX and my daughter still has no access to her paycheck or her financial aid money.
Consumer complaint received 2023-03-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (TX)

I have a cash app account and I get a call on my phone and then the caller ID is his cash up so I think it's cash up I'm told that my account has been hacked and they need me to verify some information and then they had me download something they asked me not to get back in my account for the weekend cuz I needed to monitor and go through everything so I didn't I get back in my account Monday and all my money is taken out and it's all going to XXXX guy like XXXX something transactions up to {$2000.00} and I tell cash up about it last Wednesday well today I follow up with them come to find out Monday when I called him to check on it they closed out the case out of retaliation because I told him that I was going to call you all because they weren't doing nothing for me and now I'm just out {$2000.00} and every time I call them they just hang up on me
Consumer complaint received 2023-03-24
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Block, Inc. (LA)

emotional distress, embarrassment, ridicule, loss of reputation and humiliationXXXX XXXX ss XXXX Right of Rescission never was notified Ask for verification of debt never notified 15 U.S.C 1611 violations 15 U.S.C 1692 violations 15 U.S.C 1681 violations Never told the contract Proof in attachment I wish to use my right to rescission to rescind the fraudulent contract " Litigation- I never been supplied proof of the Alleged Debt therefore exists ''. I ask to provide me with the fraudulent transaction contract and outline the Alleged Debt and/Or amounts Cash app violated the XXXX
Consumer complaint received 2023-03-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc. (NY)

XX/XX/XXXX XXXX XXXX delivered bad food and was refusing to contact me back and so I contacted my card company cash app to step in. They pulled the money from XXXX XXXX XXXX and the next day XXXX XXXX  refunded me a partial amount XXXX and then I wrote my cash app back and told them to cancel and refund my money to XXXXXXXX XXXX. They told me to wait 45 days from my original complaint. So I did and they told me on the XXXX to wait 3 business days. Today is the 3rd day and they refuse to release my XXXXXXXX XXXX to pay off the money they refunded and then denied me to keep cause XXXXXXXX XXXX has returned a refund for their bad service. I have chat proof and transaction proof cash app is refusing now to release the money on the given time frame of the refund. And now is fraudulently holding info on my money
Consumer complaint received 2023-03-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (MN)

My phone was stolen on XX/XX/2023 around XXXX. On my XXXX  watched I received a notification saying my account was used to send {$200.00} dollars to someone I did not authorize via Cashapp. I immediatly logged in to Cashapp on my friends phone and contacted support, where they disabled my card due to the fraudulent activity and made a dispute on the transaction. I then called support to double check that it was filed and was hung up on 4 times before I gave up. I was informed today that they will not be refunding me my money because they said I did the transaction. I called them and was on the phone for over an hour filing another dispute and was hung up on. I then get an email saying they had already informed me of their decision and to refer back to the previous claim when I was told we were starting the process over again. I asked why it was denied and they could not give me any specific reason other than they think I did the transaction. I have never disputed a charge with them. I requested documentation as to why they denied me and I all their reasoning was, was to show me the transaction and when it occured and said I did it. There was literally no proof just the amount of the transaction and date, and they said because of this I did it. This is a lot of money to me and getting no support from a company I use and support often is not right. The way I was hung up on multiple times and not given clear information of why I was being denied is not right. I just want my money back.
Consumer complaint received 2023-03-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc. (MO)

On Friday XX/XX/XXXX, i filed for a instant transfer of funds from square to be sent to my banking account about XXXXXXXX XXXX. The funds have not shown up in my us bank account. I called the bank on Monday morning. they verified they can not find the funds or any sign of the transfer. i called square Monday morning and got the run around i should wait another day and was then hung up on. i called the bank Tuesday XXXX funds still not been transferred. i called square back and they started this mess that i need a letter from my bank saying they have not seen the funds before square would look for the transfer tracking id and even attempt to find my funds. i talked to a manager there. and got the same run around and was offered some free processing for my trouble. which they did not grand to me upon checking my night time transfer. now i am down to filing this complaint while i wait for my bank to send me a letter so square can find my transfer that they have loss. they refused during every step of the call to even attempt to look for the transfer until i can get a letter. and even told me once i provide a letter it will be 2 to 3 days before they could find the missing transfer.
Consumer complaint received 2023-09-06
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Experian Information Solutions Inc. (NY)

I enclosed copy B of the 1099c that I received from XXXX. My debts are discharged/cancelled. According to the IRS publication cancelled debt 1099c is considered income. By law Income is not supposed to be reporting my consumer report only debt. Remove all Student loans tradelines immediatedly from Experian and XXXX report.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-06
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. (FL)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (DE)

Dear Sir/Madam : I checked my personal consumer report which I acquired from your organization and I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint FTC Report XXXX which is attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-14
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. (VA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.