davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-06
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Block, Inc. (GA)

I am extremely dissatisfied with the result they have came up with. I use cash app on a consistent basis and I feel as though they have not Investigated nor have they done enough to keep my personal business safe. Those funds were taken from me while trying to obtain supplies for a client I had just accepted a contract with. Im standing in XXXX XXXX looking to buy materials only to find out {$620.00} Dollars I received for a Deposit wasnt there. I then reached out to cashapp who are suppose to keep my account safe only for them to tell me that I Orchestrated taking my own money? I went as far as contacting the XXXX  to get help and CASH APP tells me they have concluded that I gave someone permission to take my funds? Its XXXX  and you mean to tell me that you guys cant figure who took my money? The work I provide to my clients is very important to me its how I take care of my family. The embarrassment of having to tell my client that things arent going to be done when promised, extend the finish date. Witch caused an avalanche of problems. Im having to take other jobs to regain the money just to complete the initial job. Taking my personal funds to make up for something being stolen right from underneath me. Im out of state looking to complete a job and cant even go home until it was complete. I will be uploading photos of XXXX XXXX to show evidence.
Consumer complaint received 2023-06-28
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. (PA)

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 2024-02-19
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. (FL)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 2023-06-28
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. (KY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-13
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. (AR)

In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 
** XXXXXXXX XXXX XXXXXXXX Acct # XXXX ** XXXX XXXX XXXX Acct # XXXX ** XXXX XXXX Acct # XXXX ** XXXX XXXX XXXX Acct # XXXX ** XXXX XXXX XXXX Acct # XXXX ** XXXX XXXX Acct # XXXX ... 

15 USC 1681 section 602 A, 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 1681c. ( a ) ( 5 ) Section states, no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2016-01-23
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: Prospect Mortgage, LLC (AZ)

My complaint is with Prospect Mortgage XXXX Az. Poor service they have told me 3 times when I was going to close, right before I close they call and tell me to send documents that I have already sent or tell me something additional I need to send. The ladies who work there are rude and disorganized. I was supposed to close Monday XXXX XXXX I went to the bank and got my closing money and last night Friday XXXX XXXX my realtor calls me and tells me that Prospect called and said the docs are not ready again. All of these delays have cost me money with additional rent payments and turning gas and electric on again. My health has suffered from all of the stress they have caused.
Consumer complaint received 2023-02-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Block, Inc. (NC)

Hello, This is regarding cash app. They give boosts for purchases. I chose the boost to get 5 % at XXXX  for in-app purchase. I made a transaction at XXXX this morning ( XX/XX/2023 ) and I didnt get 5 % back as boost for transaction of XXXX XXXX I informed them and spoke to customer service, they didnt resolve issue and they they said I applied the boost after the purchase. Where I said i selected boost first and I am very sure. They didnt help so I canceled order. 

Now I made order again, made very sure boost was there and again same issue. They told same reason and boost applied later. 

Cash app cheating customers not giving the discount as advertised and making fraud. They have system issue and rather fixing it, telling customer made action incorrectly. 

Please look into this and report accordingly
Consumer complaint received 2023-06-28
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. (NC)

This is 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 2023-06-28
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Name : XXXX XXXX XXXX  Account NumberXXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number:XXXX  has violated my rights. Or list of inquiries 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (OH)

XX/XX/XXXX. {$55.00} to XXXX XXXX XXXX, Ohio. I am currently living in a hotel where I pay $ XXXX. For this week, the hotel overcharged me {$55.00}. I made XXXX payments. XXXX for {$160.00}, ( XX/XX/XXXX ), and the other for {$180.00}, ( XX/XX/XXXX ), totaling my $ XXXX total. I was then charged an additional {$55.00}. I spoke with the hotel about this, and there was a new manager who did not understand the weekly rate that I was receiving. They refused to refund the charge. I disputed the charge with CashApp, and they denied the claim, despite approving another claim for the same issue in the amount of {$10.00} from XX/XX/XXXX. 
I did try attaching photos of the charges and the dispute, but the website keeps freezing and I can not attach them.
Consumer complaint received 2024-02-19
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. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance Owed : {$67.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2024-02-19
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. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and CORRECTION because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (IL)

My loans were completely forgiven through the IDR adjustment on XX/XX/XXXX. MOHELA sent me a letter on this date to that effect, and both my MOHELA and studentaid.gov accounts show a {$0.00} balance as of that date. 

I filed disputes with all three credit bureaus on XX/XX/XXXX, as I was not seeing any movement of the {$260000.00} balance on my credit report and I am trying to buy a home in the near future. 

However on XX/XX/XXXX, I received notices from all three credit bureaus saying that MOHELA had affirmed the debt, the information had been verified, and my disputes were closed. 

I am dumbfounded. It has now been two months since my loans were forgiven, and theres no reason anyone at MOHELA should be telling anyone anywhere that I owe them XXXX, much less {$260000.00}. How can it be legal for a representative of the government to lie on its behalf?
Consumer complaint received 2015-05-21
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: Blackhawk Network Holdings Inc. (KY)

Was told I must purchase a XXXX pack to open a safe account on line to put my money in before I could access my money my prepaid XXXX card. After loading my money onto my safe account, XXXX, I went through circle after circle of technical difficulties and I couldnt access my money. After a month of trying to reconcile this problem, I finally requested a refund of my money, they said it would take XXXX business days to receive it. After XXXX days came and gone still no money, called cooperate office spoke with XXXX at Blackhawk Network, she said some how refund was canceled she apologized and had no clue who did it, then assured me I would have my refund in XXXX business days. XXXX business days came and went, still nothing called XXXX back again some one had some how canceled my refund yet again, they apologized but will try and start refund process again which still will take another XXXX business days, Im not holding my breath!!!
Consumer complaint received 2024-02-19
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. (CA)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX. 
Account Number : XXXX Account Name : XXXX  XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES, PLEASE DELETE : XXXX - XXXXXXXX XXXX XX/XX/year> According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2023-01-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (PA)

On XX/XX/2023 I attempted to cash out {$480.00} from my cash app account to my bank account. I was prompted to give my debit card information and or bank account information, I never got a message like that before, and I decided to wait a couple of days. On XX/XX/XXXX I attempted to cash out again the {$480.00} sitting in my cash app account, and the same price came up again asking me to give my credit card information. At that point I called Cash App from a number in my XXXX search. The person on the other end explained to me that he can fix the problem, I needed to open an app called go to resolve which I did, and he was able to steal my money through a series of transactions. When I realize what happened I called and got a cash app representative and gave him all the information and persons name and number. XXXX then told me they will email me the results of my claim. He let me know that it would take at least 10 days to get a result from this claim. The very next day XX/XX/XXXX I received an email from Cash App stating I authorized the transactions and theres nothing he could do. My argument is I never would have reached out to anyone had I not been prompted to give my credit card information or bank account information when I try to cash out. Ive never experienced a problem cashing out before. This person was able to take {$480.00} from my cash app account and also take {$480.00} from my checking account. This person also try to obtain a loan from XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX on the same day. There were other fraudulent activities on my other bank account from the same person in which he was unsuccessful to get the money. All of these transactions happen between XX/XX/2023. This individual called me on XXXX XXXX disguised as my bank asking me to speak to the Fraud Department and I simply told him I would talk to someone in the branch the next day they were attempting to try to get the rest of the money out of my checking account through a credit card in which they transferred {$3000.00} from to put into my checking account. He used the name XXXX XXXX.
Consumer complaint received 2022-09-29
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)

This is the several times I've complained about being a victim of identity theft. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX  XXXX, XXXX XXXX
Consumer complaint received 2024-02-19
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. (FL)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still another account that needs to be UPDATED. The Experian credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account gets corrected. 
XXXX XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2024-02-19
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. (CA)

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. 

Summary of Accounts being challenged in list form XXXX XXXX - Account XXXX My parent has the same name as me. 

XXXX - Account XXXX Please Update all payments, all pay was made on time.
Consumer complaint received 2024-02-19
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. (LA)

Creditor Name : XXXX XXXX Creditor Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor Phone Number : XXXX Creditor Name : XXXX XXXX Creditor Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor Phone Number : XXXX I recently checked my credit report and noticed some inaccurate accounts reporting.
Consumer complaint received 2023-10-18
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: EQUIFAX, INC. (NV)

Credit inquirys not done by me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX