davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-18
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. (PA)

XXXX XXXX XXXX account type : Collection/ unauthorized Account opened : XXXX Past due amount XXXX Updated:XXXX 1 late payment As I expressed I have no acknowledgment of this account a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. 
( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
( c ) The term consumer means an individual. 
( d ) Consumer Report. 
( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. 
( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section XXXX681m of this title ; or ( D ) a communication described in subsection ( o ) or ( x ). [ 1 ] Please remove this account!!
Consumer complaint received 2022-04-15
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. (NJ)

On XX/XX/2022 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect
Consumer complaint received 2019-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SECURITY FINANCE CORP (TN)

In XXXX of XXXX, my husband and I filed a Debt Management Plan with XXXX XXXX XXXX and Security Finance   was listed. Security Finance was contacted by XXXX XXXX XXXX and made aware of the plan.Security Finance was paid the full amount of payment each month. In XX/XX/XXXX we were asked to come into the office to sign papers from Security Finance home office concerning the DMP. The office manager stated that the checks eere with held until these papers came, I asked why and told her " you can't do that '' she then assured me that they would be credited to the account and it would be ok. I read over the paper and me and my husband sign the papers. XXXX XXXX XXXX made the payments every month and was never late, we were then able to add extra money to the payments which helped us pay off the account the loan quicker the loan was paid off in XXXX of XXXX. After after checking my credit report I saw that Security Finance had marked our payments 30 60 and 90 days late and that was the months the manager withheld the payment checks and the other checks that came in every month were all marked 30 days late under the law a payment has to be an actual 30-day late, Security Finance was aware of the debt management plan from the very beginning they were aware how the payments were going to be made and they were paid in full never 30 days late and they kept coming up with excuses, it took me a long hard time to get even a letter from Security Finance to say that the account was paid and closed. I called and tried to get this corrected Security Finance refused to make the corrections to the credit reports of mine and my husband 's I would get excuses as that was between me and the credit bureaus I was also told that " well we thought you were coming in in person to pay it '' and I also would get excuses about how the mail was messed up. I charge that Security Finance knowingly falsely and willingly damaged mine and my husband 's credit reports and will seek damages in court
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2023-01-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (NE)

I attempted to dispute a charge on XX/XX/, and the company cash app would not process. They didnt even look at my disputes. They were XXXX unauthorized charges, as well as one ATM that did not dispense any money. When I tried to reach out to them about this, they will not provide me any additional information you requested to appeal this dispute, and they said that they would not even look at it I then attempted to have my partner assist me submitting a complaint on XXXX XXXX  and they gave a pathetic response that did nothing to fix the problem. I want my money back and no one is wanting to fix the problem.
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. (NJ)

In accordance with the Fair Credit Reporting Act, Experian, XXXX, and XXXX have 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, and I HAVE NOT given ANY consumer reporting agency written instructions to furnish anything. 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 purpose.15 USC 1692b without the prior consent of the consumer given directly to the debt collector, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer. I have not given consent to ANY collection 's agency REMOVE ALL LATE PAYMENTS AND COLLECTIONS FROM MY CREDIT PROFILE IMMEDIATELY!
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or REMOVAL of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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)

I send this complaint to inform you that this is the several time I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any account not later than 4 business days after the XX/XX/XXXX. 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. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This letter is to notify you if you do not BLOCK OR REMOVE the listed account on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance.
Consumer complaint received 2022-09-29
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. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2022-04-15
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: Experian Information Solutions Inc. (AZ)

The credit bureaus have been ignoring my requests to investigate the accounts reported on my credit and I haven't heard anything from them. I read on this same website that they should notify me of the status of my disputes, but they have never responded. I would like to know why. I have read that credit bureaus must report 100 % accurate accounts in credit reports, but my accounts are being reported with different opening dates.
Consumer complaint received 2023-02-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc. (AZ)

My cash app was hacked! XXXX was transferred from my account i changed my device and i lost my phone and whoever found my device had access to my banking information and was able to get into my bank account made transfer from my checking into my savings and send money to themselves through cash app. I contacted cash app regarding the situation, and they asked me to verify my legal first and last name i did do so and they are telling me thats not what is in my cash app of course not because my account was compromised so also my identity was stolen the agent refused to verify me some other way literally refused i asked to speak with a manager and got hung up on and they closed the account i had no way of resolving the matter i contacted XXXX XXXX which is my bank they are trying to resolve the issue but of course they need cash app corporation it is a 3rd party agency. They have no remorse for customer and no respect. I need my money back my savings could have been emptied out many transactions were declined but XXXX went through successfully imagine calling in regarding fraud and you are gon na ask to only verify with first and last name there are tons of other ways of verifying a customers account especially when it is a case of identity theft.
Consumer complaint received 2022-12-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (TX)

XXXX XXXX Chase credit card took {$2900.00}. from an autopay that was not set up. I had made a {$600.00}. payment on XXXX and then another {$100.00}. payment on XXXX XXXX. The prior month, Chase did not expect the autopay I had set up because they said payment was not enough to cover monthly fee. Which was completely false. The payment due was {$95.00} and I paid {$100.00}. which they did not accept. 
This is theft. This is shady and against all good business practice. The balance on my credit card is now {$18.00}. Why leave {$18.00} when they seemed to take the entire balance without permission.
Consumer complaint received 2024-04-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (NC)

On XX/XX/2024, XXXX made an unauthorized debit from my First National Bank of Pennsylvania checking account for the amount of {$4500.00}. I called XXXX XXXXXXXX XXXX  on XX/XX/XXXX, they proceeded to file a claim to dispute the transaction. Since then no one has reached out to me or given me any updates for the claim. I called First National Bank of Pennsylvania on XX/XX/2024 asking to speak to the fraud department to get a status update on my claim and ask if there was anything I could do to help speed the process up due to the situation inconveniencing my bills and whatnot. I was told that I could not speak to the fraud department, and the representative told me they don't have any updates. I was told there was paperwork for me to sign but I haven't received anything and would like to know if they can email it.
Consumer complaint received 2022-12-19
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. (PA)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE THE ITEMS I NEED DELETED ARE LISTED IN THIS REPORT. I AM A VICTIM OF IDENTITY THEFT & DEMAND THAT YALL REMOVE THESE ITEMES TO CORRECT MY CREDIT REPORT IMMEDIATELY! I HAVE REPORTED THIS TO THE FEDERAL TRADE COMMISSION AFFIDAVIT
Consumer complaint received 2023-02-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (FL)

to whom it concern there was a {$65.00} transaction on cash app someone had cash app someone and it came into my account the individual ask for the money to be refunded after they realize that they had cash app the wrong person I reported it to cash app and they told me what to do and that did not work so I reach back out to them and the rep was very unprofessional and very rude and then hung up the phone on me. I want this person to be refunded back there money so so they can send it to the person it was intended for..I pray and hope that you can help me solve this issue I've been there before and I know what it feels like to lose your money.. thank you!!
Consumer complaint received 2023-02-23
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (VA)

I have multiple holds on my card that have been pending almost a month. I reached out to the merchant ( XXXX ) and they claim they finalized/released said transaction holds and that the bank ( cash app/XXXX ) is holding my funds. The merchant ( XXXX ) even provided confirmation numbers. The bank ( cash app ) refuses to look into the issue and just sends me premade templates about pending transactions even after providing them with the direct communication from the merchant ( XXXX ) that they released the funds and even the confirmation numbers.
Consumer complaint received 2023-02-23
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: Block, Inc. (AZ)

when i filed my taxes last year i had a letter stating that i qualified for the {$1400.00} EFTIC Credit  and when i filed my taxes through Cash App i never received the tax credit they only gave me the {$630.00} state and federal taxes i was eligible for and i was wanting to know the best way to go about handling this for this years taxes?
Consumer complaint received 2023-01-12
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Block, Inc. (LA)

I woke up this morning and checked my Cashapp account to be met with a message from the company. The message stated I violated their terms of service with no explanation as to how and my account is now closed. Upon calling the company, I was once again told my account had been permanently closed but once again would not provide an explanation. 

I am very confused as to how this could happen because I have never had a bank account closed on me. Secondly, I have never used my account outside the scope of services provided by the app and bank. The last time I used my account was on XX/XX/10 at around XXXX at my local convenient store. A store I have visited numerous times in the past using my Cashapp debit card. 

If they are going to close peoples accounts, then an explanation should not only be provided but also appealed. To close my account without notice, an account I rely on to help my family is unacceptable.
Consumer complaint received 2022-09-29
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. (NY)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-01-12
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (CA)

I made a XXXX purchase from XXXX on XX/XX/2022 with my CashApp Cash Card. I returned the item back to XXXX on XX/XX/2022. 

XXXX is claiming that they issued the XXXX refund on Saturday XX/XX/2022 @ XXXX XXXX 

XXXX informed me that CashApp Disputed my incoming XXXX  direct deposit refund from XXXX and CashApp refunded my XXXX  back to XXXX. CashApp initiated this dispute without my authorization nor did CashApp even inform me that they initiated this dispute, I learned about this dispute from XXXX when I kept contacting XXXX asking for my XXXX refund. 
CashApp also canceled my cash card without my authorization. CashApp canceled my card and made me order a new card that way XXXX has no way of refunding my XXXX to that old card number because it is canceled. 

Then I get an email informing me that the dispute was won in my favor. But I still have not received my XXXX even tho the dispute was won in my favor. 

For months Almost everyday I kept messaging CashApp asking them where is my XXXX  direct deposit refund from XXXX. Cashapp continuously lied to me every day that I asked them where my XXXX refund was, they never gave me the same answer. 

Then CashApp claimed that they issued my cashcard account has been issued a provisional credit but cash app has no proof of ever issuing me my XXXX Because CashApp has no proof of issuing me my XXXX  or any provisional credit becoming a permanent transaction CashApp tried to claim different transactions as their own that in reality were : myself transferring money to myself from my XXXX Cash on my XXXX to my CashApp cash card. 

CashApp is still claiming that a provisional credit has been issued to me. However I asked CashApp : how would they have issued me a provisional credit if there was no transaction pending in the amount of XXXX where would the funds come from to issue me a provisional credit if when they initiated the dispute they refunded XXXX back the XXXX I also asked CashApp if they expect me to believe that they would issue me a provisional credit out of thin air with their own money to my account. 

I still not have received my XXXX direct deposit refund from XXXX. XXXX gave me charge back ID # and also a Refund ID #. I asked CashApp for any & all communications, transcripts, transactions, charge back ID # s under Visas purchase return authorization mandate. CashApp failed to provide me with any proof of issuance of my XXXX
Consumer complaint received 2022-09-29
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. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX # 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 a account without my written instructions