davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (OK)

I was under the impression I was talking to one person and he claimed he was and remember a couple of days I made arrangements to not be in town anymore just to be going out of town so I didn't worry about paying money or nothing I was asked to send the money to get that ticket paid for and I prove that I actually am seriously XXXX XXXX anymore and turned out that after I sent the money and he's been virgins to avoid me and block me and I found out it just came through a XXXX friend and a post and live contact in my bank and it's not doing me any good cuz they act like they're just going to wait to call me back or whatever so I need help with getting my friends back to me as it was an imposter and it's been proven that he's been pasture XXXX hasn't even blocked him out of there or done anything about it whenever I reported him after I found out I mean it's like everybody 's going to let him continue to scamming people I'm on XXXX I can't afford to be losing income my landlord locking out of my house because of the situation
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Report Act, XXXX XXXX Account Number : XXXX ..., XXXX XXXX  Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX Account number : XXXX, XXXX XXXX XXXXXXXX Account number XXXX ...., XXXX XXXX XXXX Account number XXXX .... XXXX XXXX XXXX XXXX Account number XXXX ... .has violated my rights. 

15 U.S.C 1681 section 602 A. states that I have the right to privacy. 

15 U.S.C 1681 section 602 A section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-05-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (PA)

I discovered that a credit card had been opened in XXXX of 2017 using my information. I did not apply or receive any card. 
Aside from the above issue, my credit report has a negative issue concerning this fraudulent card. There is no outstanding debt on it ; There is a {$250.00} limit, none of which has been used. Despite this, a negative mark is on my credit report.
Consumer complaint received 2019-07-31
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: SYNCHRONY FINANCIAL (FL)

Contacted Syncb on XXXX XXXX, 2019, about an unrecognized hard inquiry on my credit report from XXXX XXXX, 2019. I do not own any credit cards, nor have i applied for any. They claimed that the credit card company in which the inquiry came from was has no affiliation to them and advised me to contact the credit bureau to dispute the inquiry. 
I, then, contacted the bureau and they informed me that they would not take any action until i called back to Syncb and received a letter of deletion from them. 
I called back to Syncb, again, on XXXX XXXX, 2019 to request the letter of deletion ; they then tell me the problem is with XXXX XXXX and not with them or the bureau. They advised me to contact XXXX XXXX. XXXX XXXX has no customer service telephone number. 
Syncb has given me the run-around all evening and still no resolve ; only repetitively placing blame on other agencies.
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. (CA)

I have carefully reviewed my credit report in Transunion. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that this account be corrected immediately or I will file for litigation. 


XXXX XXXX XXXXXXXX
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: EQUIFAX, INC. (CA)

I have carefully reviewed my credit report in Equifax. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that this account be corrected immediately or I will file for litigation. 


XXXX XXXX XXXXXXXX
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My credit report is showing late payments to XXXX XXXX XXXX XXXX XXXX XXXX Of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX 's customer service representative.
Consumer complaint received 2015-06-11
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: WESTERN UNION COMPANY, THE (TX)

I received a money order from a tenant and misplaced it for over one year, but it was not three years old. It was purchased through Western Union Financial Services. Western Union claims that it is no longer any good and needs to be reissued for a large fee. I understand that a money order in the state of Texas is not abandoned unless it three years old from the date of purchase under the Texas Property Code, Chapter 72 Sub chapter B page 4. It appears that Money order companies makes the own rules and regulation that does not coincide with state and federal laws to rip off consumers because of misfortune of an accident. 

I called Western Union and they want a large fee to replace it. A fee had already been paid to purchase it so why would they not honor their check. Western Union States on the back of their check, Not good after XXXX year from date of purchase. There will be a non refundable service charge will be deducted from the face value of the check to be assessed where not prohibited by law. 

I called XXXX XXXX who the check was drawn on. They could not help. I called the Federal Trade Commission and they directed this matter to this office.
Consumer complaint received 2015-06-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (NY)

My mortgage company increased my mortgage payment by approximately {$250.00} but could not justify the amount when questioned. When I calculated the increase from XXXX of my escrow it was a {$400.00} difference, which is approximately a {$34.00} difference per month. Bayview confirmed this over the phone yet still charged me {$250.00} more per month in escrow. Every time I called they refused to give me a supervisor or the name of a supervisor and continued to tell me that I could dispute the amount even though their documentation did not support their claim. I requested documentation and they did not fulfill that request. They stated that they had tax bills to support the amount but when I requested a copy of them they did not have them. You can not give someone a bill without supporting documentation. The disturbing piece is their customer service department supported their flimsy, weak statements and believed they were right. I am shopping for a new company. If your loan is sold here I strongly advise you to find a new servicer because they will take everything from you if you are not paying attention and they do not resolve issues, nor do they provide any form of customer service. Their only actions are to steal form unsuspecting customers.
Consumer complaint received 2023-06-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Block, Inc. (CA)

ON XX/XX/XXXX MONEY WAS PAID TO ME THRU SQUARE ACCT. 
MONEY WAS SENT TO MY XXXX  ACCT. I FORGOT I HAD CLOSED THAT ACCT AND SO XXXX RETURNED TO SQUARE ON XXXX XXXX TRACING NUMBER XXXX ... THEY TOLD ME MONEY SHOULD BE ATSQUARE ON TUES THE XXXX -- -- IT WAS NOT ... AFTER MANY CALLS AND EMAILS TO THEM THEY SAID IT WAS STILL WITH XXXX  ... REPEATLEY I TOLD THEM I HAD TRACING NUMBER THEY NEEDED -- -THEIR RESPOND WAS THEY NEEDED PERSON I HAD TALKED TO WHICH IS A CUSTOMER SERVICE PERSON WHOM PROVIDED ACH  NUMBER... SQUARE SAID I WOLD HAVE MY MONEY BACK IN 1-3 DAYS -- ITS BEEN FOUR DAYS NOW AND STILL MONEY AND NO RESPOND I DONTUNDERSTAND HOW MONEY CAN BE TRANSFERED IMMEDIATELY AND THEN IT TAKES DAYS TO GET IT BACK.. I FEEL THEY HAVE MILLIONS OF DOLLARS THAT THEY FLOAT DO USE IT FOR THEIR PURPOSE
Consumer complaint received 2023-06-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc. (LA)

Im having a problem with cashapp. My XXXX XXXX XXXX daughter made a cashapp account using my social security number. I found out she has a borrow feature on her cashapp and she started borrowing money from cashapp. That makes the money she borrowed my debt. I told several people at cashapp, through phone calls, emails, and text support. They did not do anything about it. My daughters account is not even legal bc she lied about her birthday and she does not have my permission to use my ss number or to borrow money. Since no one did anything about this problem, I have since deleted my cashapp account. I will never use them again. My daughter still have her account and she still continues to borrow money.
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

Mailed letters on XX/XX/year> to dispute inaccuracies on my account and each time I was mailed a stall letter saying they fell someone else as sent my information. This is a direct violation of the FCRA. Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States XXXX has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this complaint is a formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within XXXX days. I therefore legally and lawfully refuse your " form letter '' thus giving you only XXXX  days not XXXX more. I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Consumer complaint received 2023-06-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (CA)

I started a chat with CASHAPP XXXX about losing my card and needing a new one. They had already had my new name which was legally changed years ago and created a wrong card with an old NON LEGAL name. 
During the chat they shamelessly tried to pass AI customer service as a real human and verbatim even said so. This clearly was not a human, ignored anything I asked or typed, ignored all uploaded documents and multiple clearly typed answers to questions. 

They willfully cause emotional distress and play games to toy with their users and no matter how much I asked for a manager a real person or an escalation it never happened. 
all proof attached YOU CAN NOT LIE AND PASS AI AS HUMAN
Consumer complaint received 2022-12-17
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. (TX)

I sent a letter on XX/XX/XXXX to XXXX Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) they are required to remove any accounts or information not later than XXXX business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} US DEPT ED XXXX Balance Owed : {$280.00} US DEPT ED XXXX Balance Owed : {$2000.00} US DEPT ED XXXX Balance Owed : {$4900.00} US DEPT ED XXXX Balance Owed : {$2000.00} US DEPT ED XXXX Balance Owed : {$10000.00} US DEPT ED XXXX Balance Owed : {$3100.00} US DEPT ED XXXX Balance Owed : {$4000.00} US DEPT ED XXXX Balance Owed : {$3100.00} US DEPT ED XXXX Balance Owed : {$5200.00} US DEPT ED XXXX Balance Owed : {$7500.00} US DEPT ED XXXX Balance Owed : {$8800.00} US DEPT ED XXXX Balance Owed : {$2500.00} US DEPT ED XXXX Balance Owed : {$6400.00} US DEPT ED XXXX Balance Owed : {$2500.00} XXXX XXXX XXXX Balance Owed : {$420.00XXXX XXXX # XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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
Consumer complaint received 2022-11-07
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. (FL)

On XX/XX/2022 i received a derogatory mark on my credit report from experian, XXXX and XXXX regarding a late payment from a XXXX account. I then proceeded to call the bank and the credit reporting agencies but was led nowhere regarding the situation. I then mailed out a letter on XX/XX/2022 and XX/XX/2022 to both the lender and reporting agencies letting them know they were in violation of my consumer rights. They've only updated the account since then and no further action was taken place. 

15 USC 1681a ( 2 ) ( a ) ( i ) and 15 USC 1681b ( a ) ( 2 ).

( 2 ) Exclusions. - Except as provided in paragraph ( 3 ), the term consumer report does not include ( a ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with written instructions of the consumer to whom it relates.

I didnt not give this company written instructions to furnish anything to my consumer report, let alone Late payments. I did not authorize or grant verbal or written permission for them to report my personal information.

I also did not receive the option to opt out from consumer reporting. Companies are suppose to give you the option to opt out from credit reporting. I wasn't properly informed of my rights nor wasn't told about my option to opt out of credit reporting prior to the end of the 30 day period. They are suppose to tell me this before the item is reported. They are suppose to provide me with clear and conspicuous documentation that gives me a clear overview of what my rights is in terms of credit reporting.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Consumer complaint received 2021-12-13
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. (TX)

i sent out disputes on XX/XX/21 and haven't heard anything back in 71 days, I feel like im being ignored of my disputes. in section 611 ( a ) its plainly stated that a failure to investigate these items in 30 days gives a reason to immediately remove from my credit report, i demand these accounts be deleted promptly or i will file for litigation, my information was also impacted by the XXXX data breach
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act. The list of account ( XXXX ) below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name, Account Number : XXXX XXXX XXXX, # XXXX 15 U.S.C. 1681 section 602 A States I have the right to privacy.

15 U.S.C. 1681 section 604 A Section XXXX : It also states a consumer reporting agency can not furnish an account without 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 buy more than seven years.

15 USC 1681 S-2 ( A ) ( XXXX ) 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 2021-12-13
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: EQUIFAX, INC. (CA)

These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on ( Provide Date ). They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.
Consumer complaint received 2019-11-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (IL)

We have a new mortgage with Wells Fargo. Payments started XX/XX/2019. The first payment could only be done as a one-time payment, which I found odd, as every other bank with which I've had a mortgage - big and small - allowed for autopay to be arranged online. There was no option to arrange for autopay on the website at all. I managed to remember to make another one-time payment for XXXX, but I was late to realize I did not make an XX/XX/2019 payment until just today, XX/XX/2019. I did not receive any email or other alert before the payment was due or after it was in " overdue '' status. I made that payment and spoke with someone by telephone to explain the situation, and I was both assured I would have no credit hit or late fee due to this being a new loan, and the person was able to put in a work order for autopay going forward, but I still wanted to lodge a complaint that they do not make this option available in a consumer-friendly, systematic way. I was very surprised to see that I have to " opt in '' for alerts of incoming payments and especially overdue payments. The absence of online autopay enrollment available at the time of online account setup and the need to opt in for basic alerts - which is not typical in my experience having held mortgages with multiple banks of varying size over the last 10 years - makes the cynic in me think this is perhaps by design as it would be a nice way to collect late fees in addition to interest.
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: Experian Information Solutions Inc. (CA)

I have carefully reviewed my credit report in Experian. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that this account be corrected immediately or I will file for litigation. 


XXXXXXXX XXXX XXXX