davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (TX)

On XX/XX/XXXX I contacted cashapp customer service to inquire about a XXXX XXXX credit I should have received XX/XX/XXXX. 

The following is a transcript of that exchange : ME : I am inquiring about a refund of XXXX XXXX that doesn't appear to have been returned to my balance or bank CashApp : Your {$100.00} payment was successfully cancelled on XX/XX/XXXX at XXXX XXXX and returned to your debit card ending in XXXX. Cancelled payments will return to your bank account in 1 of 2 ways : - It may void and drop off your bank statement. Meaning, the transaction was successfully canceled. Your bank has adjusted your balance and you will no longer see the initial debit.

- It may post as a refund in XXXX business days. Meaning, you will see the initial debit and an additional credit. 

I suggest reaching out to your bank 's debit card operations department for more info. Make sure you let them know that the funds will appear as an electronic funds transfer ( EFT ), which is a direct credit to your bank account. 

ME : I have reached out to my bank. They have confirmed w me that they have no record of the return. Please advise or provide me some tangible evidence to taken to them CashApp : The {$100.00} payment failed on XX/XX/XXXX at XXXX XXXX, and the funds were returned to your card ending in ****. Any pending charges from the payment will drop off your bank activity in XXXX business days.If you still see a debit on your account after XXXX business days, please file a claim with your card-issuing bank. Moving forward, all correspondence regarding this matter will be handled between your bank and Cash App. 

Me :? Why am I being squeezed out of the process CashApp : TryI don't have any new info to provide on this issue. For questions or concerns outside of this, I'm more than happy to help. 
Me : So are we not allowed to talk about this now? 

Cahsapp : While Id be happy to help you with anything else, Im unable to provide further info for this particular case. Thanks for understanding. 

Me : But I don't understand... 

CashApp : We've provided as much info as possible to help with this issue. Since I can't provide any additional help, Im going to go ahead and end the chat. Youre welcome to contact us in the future through the app. 

Me : XXXX of my XXXX have lol gone missing while in your care and I'm not allowed to ask about it? 

CashApp refused to respond after this. The action has caused me to overdraft on my other payments. It was like a domino effect. 

I respectfully request an explanation as well as the return of my monies.
Consumer complaint received 2022-05-25
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. (FL)

Unauthorized inquiries on my credit reports are as follows : XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

On XXXX XXXXXXXX XXXX I disputed XXXX  to be removed from my credit report. 
On XX/XX/year> at approximately XXXX am XXXX, I spoke with XXXX XXXX at Transunion to ask how they obtained this information. XXXX XXXX stated that this information is verified by the Courts. The XXXX XXXX XXXXXXXX does not report XXXX information to the credit bureaus.
Consumer complaint received 2024-03-10
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. (WA)

According to FCRA 605B, it appears imperative that we eliminate any erroneous accounts from my credit report. Would you mind reviewing the documentation? A few of the listed accounts seem to be misrepresented, causing me considerable unease.
Consumer complaint received 2023-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: SYNCHRONY FINANCIAL (FL)

Since XX/XX/, SYNC/Ashley/Furniture is furnishing inaccurate and incorrect information to the consumer reporting agencies. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. 

As Defined by The IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. 
The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! 

By Definition The IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is in accurate. 15 USC 1681 s-2 Says ( Company name ) is a furnisher of information to a consumer reporting agency. 
SYNC/Ashley/Furniture IS PROHIBITED BY LAW to furnish inaccurate information. I demand SYNC/Ashley/Furniture to Cease and Desist the reporting of incorrect/ in accurate information immediately. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1. Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. Prohibition : a law or regulation forbidding something SYNC/Ashley/Furniture have caused me and my family severe harm due to your negligence and inaccurate reporting. Cure and DELETE This is an Erroneous, inaccurate account SYNC/Ashley/Furniture need to Cure and DELETE this from my Consumer report. 

I sent a dispute letter to SYNC/Ashley/Furniture on XX/XX/XXXX  and requested they remove the inaccurate reporting of income on my credit report.
Consumer complaint received 2022-05-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (TX)

I refinanced my mortgage in XXXX 2022. After closing, the mortgage was purchased by United Wholesale Mortgage. I have no Escrow account on this mortgage, as all taxes and insurances are paid in-full by me separate from the mortgage. 
On XX/XX/2022 I received an email from UWM at XXXX. that they had made a payment to an insurance company on my behalf When I logged into my account I saw that they created an escrow account on my mortgage account, and sent {$1200.00} payment to an ( unknown ) insurance company I never heard of. 
They did this without my knowledge or consent. My insurance policy was paid-in full BEFORE UWM bought my mortgage in XXXX 2022. AT NO TIME did UWM ever ask me to provide evidence of insurance ; in fact that was provided to them when they purchased the loan from the previous lender, as it was including in the title closing package as PAID IN FULL. 
I immediately contacted UWM asking why this happened? It took 3 days for them to respond, at which point they asked me to provide proof of my hazard policy which I did. I have done so, and am now trying to get this escrow account and {$1200.00} refunded. 
I received no apology or explanation as to why they did this, which leads me to believe it was a deliberate attempt to de-fraud me.
Consumer complaint received 2019-11-23
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: Innovis (OH)

I need the following addresses removed deleted from my report. I have been compromised on my ID and personal information. I have to file a police report and FTC report. Please remove delete : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX Please delete the following numbers they : ( 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 2022-05-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (NY)

XX/XX/XXXX of XXXX TD BANK PUT A HOLD ON MY ACCOUNT I HAVE ON BALANCE {$2100.00} THAT WAS DEPOSIT FROM MY EMPLOYER AND ALSO A CHECK FROM XXXX XXXX TAXES THAT GOVERNMENT WAS GIVING EVERY MONTH, I CALLED TD BANK AND ALSO WENT TO THE BRANCH AND ALL THEY TELL ME IS THAT MY ACCOUNT IS BEEN CHECKED AND THAT SOMEONE WILL CALL ME AND UNTIL NOW I HAVENT GOT A CALL BACK OR NOTHING I CALLED ON XX/XX/XXXX AND TD BANK CUSTOMER SERVICE SAID THAT THEY WILL INFORM THE PERSON IN CHARGE OF THE CASE AND I SHOULD RECEIVE A CALL WITH IN 5 BUSINESS DAYS AND I STILL HAVE RECEIVE A CALL THEY STILL HAVE MY MONEY ON HOLD AND NO ONE FROM TD BANK HAS AN ANSWER FOR ME OR EXPLAIN TO ME WHAT IS GOING ON. PLEASE HELP ME SOLVE THIS ISSUE BECAUSE IM HAVING REALLY BAD FINNANCIAL PROBLEMS AND I NEED THE MONEY. THANK YOU SO MUCH HAVE A GREAT DAY.
Consumer complaint received 2022-05-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (NY)

XXXX XXXX XXXXXXXX last reported on XX/XX/XXXX {$2000.00} XX/XX/XXXX this account i never opened and i called up the credit burrow and reported it as fraud, the account has been closed and charged off but yet still remains on the credit burrows reports and i would like to have it removed. XXXX XXXX  - opened XX/XX/XXXX $ XXXX reported it to the credit burrows as fraud XXXX XXXX - last reported on apr XXXX {$450.00} opened XX/XX/XXXX i opened the card but the card was stolen didnt notice the transactions and charges until i saw on my credit report. i reported the fraud transactions to both the credit burrows and the credit card company as fraud. Discover Bank XXXX XXXX, XXXX {$7100.00} XX/XX/XXXX opened this account i never opened and i called up the credit burrow and reported it as fraud, the account has been closed and charged off but yet still remains on the credit burrows reports and i would like to have it removed. XXXX XXXX  {$7100.00} XX/XX/XXXX opened XX/XX/XXXX this account i never opened and i called up the credit burrow and reported it as fraud, the account has been closed and charged off but yet still remains on the credit burrows reports and i would like to have it removed. XXXX XXXX " XXXX XXXX XXXX XXXX reported XX/XX/XXXX {$550.00} opened XX/XX/XXXX this account i never opened and i called up the credit burrow, and XXXX and asked them to take it off and told and reported it as fraud, the account has been closed and charged off but yet still remains on the credit burrows reports and i would like to have it removed. XXXX XXXX " XXXX XXXX XXXX last reported XX/XX/XXXX {$410.00} opened XX/XX/XXXX i opened the card but the card was stolen didn't notice the transactions and charges until i saw on my credit report. i reported the fraud transactions to both the credit burrows and the credit card company as fraud.
Consumer complaint received 2022-05-25
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: Nelnet, Inc. (GA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : 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 2021-12-14
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. (CA)

On XX/XX/XXXX I was made aware of a credit card account open in my name in XXXX which was later closed for account abuse and left unpaid. Since then my name has been reported to XXXXXXXX  contribution ref # XXXX with XXXX XXXX The account was opened fraudulently without my knowledge tied to a phone number XXXX which is not mine, and an address i do not and have not lived XXXX XXXX XXXX XXXX XXXX ca XXXX.
Consumer complaint received 2023-02-06
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. (IN)

After several failed attempts to work with Experian on the update and remove inaccuracies, this is my last stop before litigation. Experians ' lack of process in properly verifying inaccuracies in my report has caused damage to my character, reputation, and my ability to acquire a mortgage. Most recently I mailed out disputes certified to Experian on XX/XX/2023. These disputes were received and signed for on XX/XX/2023 ... After a few days, I started receiving emails stating that I did not send the disputes and they refused to process them, attached with the dispute was a copy of my INDL, MY SSC, a Copy of my Utility Bill, and a notarized letter, stating these disputes are being requested by me... Furthermore, Experian has failed to process a proper dispute, just simply stating items are " verified ''. Upon requesting the method of verification, no information has been provided. This requires Experian to remove ALL items disputed. When I tried to refile the dispute, by uploading the documents per instructions on web site. I received an error stating the site was down... I then called and spoke to an agent named XXXX on XX/XX/2023. She stated that she checked with the IT team that no error was found and that the upload site was working properly. When I asked why and what I needed to do for further disputes to not be denied. She stated that I needed to attach the documentation showing that it was me. After looking at the disputes she stated that she was able to view the letters and that she saw no reason why they were not going to be processed. She then asked someone on her team to see why there were turned away. she came back and stated, " THEY WERE DENIED BECAUSE THEY APPEAR TO BE SUBMITTED BY A CREDIT CLINIC ''. I use tax software to help with my taxes, as well as software to help with my disputes. This delay is considered a willful disregard of my rights as a consumer.
Consumer complaint received 2019-07-30
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: Exeter Finance, LLC. (FL)

Exeter Finance Company took the car after receiving a payment that month - by coming onto private property without Police. They claimed that Pennsylvania does not required it. To date- they are reporting the vehicle debt as new and regularly report late payments when the car was taken in XX/XX/2017.
Consumer complaint received 2022-05-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX XXXXXXXX last reported on XX/XX/XXXX {$2000.00} XX/XX/XXXX this account i never opened and i called up the credit burrow and reported it as fraud, the account has been closed and charged off but yet still remains on the credit burrows reports and i would like to have it removed. XXXX XXXX  - opened XX/XX/XXXX $ XXXX reported it to the credit burrows as fraud XXXX XXXX - last reported on apr XXXX {$450.00} opened XX/XX/XXXX i opened the card but the card was stolen didnt notice the transactions and charges until i saw on my credit report. i reported the fraud transactions to both the credit burrows and the credit card company as fraud. XXXX XXXX  XXXX XXXX, XXXX {$7100.00} XX/XX/XXXX opened this account i never opened and i called up the credit burrow and reported it as fraud, the account has been closed and charged off but yet still remains on the credit burrows reports and i would like to have it removed. XXXX  XXXX  {$7100.00} XX/XX/XXXX opened XX/XX/XXXX this account i never opened and i called up the credit burrow and reported it as fraud, the account has been closed and charged off but yet still remains on the credit burrows reports and i would like to have it removed. XXXX XXXX " XXXX XXXX XXXX last reported XX/XX/XXXX {$550.00} opened XX/XX/XXXX this account i never opened and i called up the credit burrow, and XXXX and asked them to take it off and told and reported it as fraud, the account has been closed and charged off but yet still remains on the credit burrows reports and i would like to have it removed. XXXX XXXX " XXXX XXXX XXXX last reported XX/XX/XXXX {$410.00} opened XX/XX/XXXX i opened the card but the card was stolen didn't notice the transactions and charges until i saw on my credit report. i reported the fraud transactions to both the credit burrows and the credit card company as fraud.
Consumer complaint received 2019-11-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

In the summer of 2018 my account was automatically closed at J.P. Morgan Chase. I've had a checking account with them since I was legally able to have a checking account in my own name. In 2018, unknowingly someone deposited fake checks into my account without my consent or permission and fraudulently signed my name. I don't know what this individual could have gained depositing these checks into my account, but subsequently i've now been unable to open a checking account because I'm in XXXX XXXX. This has caused severe detriment to my ability to live. I can't open a bank account in my name and I am employed, which is causing me a great deal of difficulty in my day to day life. 

I would never have done such a thing and don't believe I should have been punished for something I didn't do. It would appear someone decided to do this to me out of malice and cause harm to my life. Please assist me in getting removed from XXXX  XXXX. I've been working extremely hard to get my finances in order and this is causing my extreme XXXX  and XXXX with the disruption it's brought into my life.
Consumer complaint received 2022-05-25
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. (GA)

In Accordance with the fair credit reporting act XXXX. XXXX XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, has violated my rights. 

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 : It Also States a consumer reporting agency can not furnish a account with my written instructions.
Consumer complaint received 2022-05-25
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. (GA)

In Accordance with the fair credit reporting act XXXXXXXX XXXX XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, has violated my rights. 

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 : It Also States a consumer reporting agency can not furnish a account with my written instructions.
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

FTC Report Number XXXX XXXX XXXX XXXX Case number XXXX I NEVER Opened an account with XXXX XXXX XXXX XXXX on the reported date of XX/XX/XXXX. 

I sent my letter off on XX/XX/XXXX. I asked the credit bureaus to investigate every piece of information, on the accounts. The bureaus responded that the account was verified which is not true because the account is not mine. I never opened the account and I need this account removed. Here are the tracking number XXXX and XXXX. 

I sent out multiple letters trying to resolve this issue. Now I will seek legal assistance if this false report is not removed. 


Your complaint case number is XXXX. If you provided an email address, you will receive an email with a link to your case within approximately 48 hours. You may click here to print a copy for your records. XXXX  acts as an impartial third party between you and the business in an effort to resolve your complaint. 

Feedback from consumers is vital to XXXX. We appreciate your willingness to report this information to us. We look forward to helping you and the business work toward a resolution.