davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (GA)

On Sunday I received a fraud alert from my bank, informing me of 2 Transaction being processed through CASH APP XX/XX/23 at XXXX and XXXX ( 2 ) unauthorized transaction in the amount of {$2000.00} each for a total of XXXX XXXXXXXXThese transactions were completed and processed without any of the following policies and Protocols that CASH APP has in place. 1. My phone was in my possession at all times. 
2. My phone has a locked screen with a pin. 
3. My cashapp account required a verification to add a new person. 
The person receiving the fund Name is XXXX {$190000.00}. This person just appeared XX/XX/23, no other record of this person. ( no notice VIA TEXT OR EMAIL. NEVER ) Never got notice of withdrawal from CASH APP, which to generate on every withdrawal, ,also on bank statement different name XXXX 4. My cashapp account required a pin to release and confirm payment. 
Once I notice the transaction, I immediately contracted Cash App customer Support via the app to report and fraud and scam, this was the only way ( at this point the payments were pending ). 
on Monday I called Customer Support to inform them to stop the payment and there system has been hacker. 
They can not or will not give me any evidence OR told me how this happen, their only response was, : ( I had to authorize the payment ) CASH APP IS STEALING MONEY FROM ACCOUNT HOLDERS, HACKING INTO BANK ACCOUNTS.
Consumer complaint received 2021-12-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (TX)

In XXXX of 2021, I applied to be extended credit from Discover. I applied through their website, providing them with my social security number. I was denied. 
XXXX XXXX XXXX I called Discover a XXXX days later and asked why I was denied. Discover representative stated it was because of information on a consumer report provided by XXXX. I expressed that I have a credit report that I can give them that is accurate because XXXX is furnished information about me that I have not consented to be furnished. The Discover representative ( who claimed to be a XXXX XXXX XXXX expressed Discover only gets reports from the three major credit bureaus which he stated are XXXX XXXX XXXX XXXX and XXXX. I asked, who made them the major three?. To which he had no response. 
I informed him that I am the original creditor and that Discover -since taking my XXXX digit security number ( social security number ) should extend credit back to me. 
He stated, that is not how it works. 

However, I know that is what the law states. 
He shared that Discover would not be extending me any credit.
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In XX/XX/2024 I obtained a copy of my credit report after dealing with fraud, and denials due to inaccurate information reporting on my credit report from the companies listed below. 

XXXX XXXX XXXXXXXX Status : Charged Off 2. XXXX Account Status : OK XXXX. XXXX Account Status : Closed 4. XXXX XXXX ( fXXXX XXXX XXXX XXXX ) Status : Reporting 30 Days Late -- -This account is paid off and should be removed. 
XXXX XXXX Remarks : Voluntary Surrender ; Status : Unknown -- Not accurate XXXX. XXXX XXXX : XXXX XXXX XXXX. XXXX Status : OK XXXX XXXX XXXX Status : Collection/Charge-Off XXXX XXXX XXXX Status : Collection/Charge-Off XXXX. XXXX Account # : XXXX Status : Collection/Charge-Off XXXXXXXX XXXX Status : Collection/Charge-Off XXXX. XXXXXXXX XXXX XXXX Status : Collection/Charge-Off
Consumer complaint received 2023-05-19
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. (MO)

I sent money via cashapp to play an online game. I won XXXX dollars playing this game and they told me I had to send XXXX more dollars in order to release me the funds. I sent them the XXXX And have not received any fund. It says it is still pending and I talked to cash app and they told me to report it as a scam but it is still pending in my account.
Consumer complaint received 2023-05-22
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Block, Inc. (GA)

I have reached out to Cash App repeatedly regarding my mobile deposit of {$1100.00} on XX/XX/XXXX. It's been 12 days and they still have not released my deposit. They keep saying it's in review or that they have a system glitch. I desperately need my funds in order to move and if thefund are not released my family and, I will be facing homeless. They said it would take 4 business. Can you help with this matter? 

XXXX XXXX
Consumer complaint received 2023-04-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (CA)

Have sent Phoenix Financial XXXX ( XXXX ) written requests ( XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX ) in addition to the XXXX phone calls requesting VALIDATION of the accounts that they've placed on my credit report. During the call They have not responded to and have NOT provided me with ANY of the requested required documentation that I'd listed in the letters. Yet, on XX/XX/XXXX they'd contacted the credit reporting agencies, certifying the accuracy to the disputed accounts listed. 

During a call on XX/XX/XXXX, I was told that it was for services in XX/XX/XXXX and that if I could not pay, just wait because it is due to be deleted in XXXX of XXXX. I then wrote the second letter and included a copy of a Police report for possible identity theft. 

There were XXXX ( XXXX ) accounts. XXXX for {$100.00} and the other is for {$800.00}. for XXXX XXXX XXXX
Consumer complaint received 2024-03-11
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. (GA)

I opted out from having my non public information being reported to third parties. 
They are still reporting on my consumer report. 
The attached letter was sent to XXXX XXXX XXXX XXXX certified mail
Consumer complaint received 2021-12-14
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. (OH)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2021.
Consumer complaint received 2017-11-09
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I reached out to Capital One Auto Finance in XXXX to see if they would be willing to make a goodwill adjustment to my account and forgive late status from the prior year. The request was denied and they have reported to credit reporting agencies that I have filed a direct dispute with them. I sent a followup letter to Capital One that I was not disputing the accuracy of the late payments but rather requesting forgiveness for the late payments due to my circumstances. Again I received notification that my account was being disputed. I checked my credit report and it sates that the account is being disputed. 

Since they have done so, they accept the obligation to treat it as they have interpreted it ... .. as a dispute. This triggers their obligation to conclude a reasonable investigation within 30 days, and send me a formal notice of results of that investigation within 5 business days after conclusion of the 30-day investigation period. 

I believe this is a violation of the direct dispute process under FCRA 623 ( a ) ( 8 ). 

Capital One can not consider and report it as a direct dispute and then ignore their obligation to treat it as such. 

My request was not frivolous or irrelevant. I was in the process of home buying when I submitted my request. Having a disputed account made the mortgage lender I was working with concerned. I reached out to Capital One a second time to clarify the request and have the " dispute '' removed and Capital One ignored my request. This caused me to lose my lender and now I have to start all over.
Consumer complaint received 2022-12-16
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. (AZ)

In accordance with the Fair Credit Reporting Act ( FCRA ) these creditors have violated my rights for these accounts : XXXX XXXX XXXX XX/XX/2022 Due to the following : [ 15U.S.C. 1681 ] Section 602A states that I have the right to privacy.

[ 15U.S.C. 1681 ] Section 604A, Section 2 states that a consumer reporter agency can not furnish an account without my written instruction or consent.

[ 15U.S.C. 1681 ] Section 603 Section 2A, Subsection ( iii ) states that 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. 

I have attached my driver 's license and utility bill showing proof of address.
Consumer complaint received 2021-12-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: GreenSky, LLC (KY)

On XX/XX/XXXX I had our contracted XXXX dealer out to fix my furnace. As soon as he saw our 8 yr. old furnace he said these furnaces are NOT very good. He looked at it and said it needed {$5000.00} to fix. He then became a salesman and showed me his brochure of XXXX XXXX systems. Prices were outrageous ours was {$16000.00} I asked was there a discount for cash and he said no. He said I can get you ZERO interest loan at $ XXXX for 60 months. I signed an XXXX to get furnace installed. I did NOT agree to these terms because I would wait for the hard copy explanation of the loan and decide then. To this date I have not received a copy of the loan agreement, bill of sale, financial figures, building permits, a completion form, or final inspection from our county permits dept. Officially the furnace work is INCOMPLETE! 
XX/XX/XXXX I get an email from GreenSky, XXXX XXXX XXXX, XXXX, GA XXXX. Email said they had charged me {$16000.00} for my furnace ( payments XXXX X XXXX mos ) and had set up an account! I did NOT give them permission to do this. I protested and they sent me an email. We called the lady in charge of protests and she said we signed the contract that I NEVER saw! 
I think GreenSky, in collusion with XXXX dealer, charged me INTEREST up front in violation of the Truth in Lending Act! The outrageous price ( XXXX above MSRP ) indicated there was extra fees added and they TRIED to call it NO INTEREST loan. I did not agree to the terms and ONLY signed the order form to get a furnace installed. 
I would appreciate any help you could send my way. My credit will be ruined and a lien put on my house, and possibly get sued. GreenSky lost a XXXX XXXX lawsuit in XXXX, XXXX for the same practices! Now they are doing it again.
Consumer complaint received 2021-12-14
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

I applied for a credit limit increase with Capital One. They denied me one XX/XX/2021 stating that according to my credit report my credit score was not high enough and that I had too many inquiries listed on my report. Some of which were from them denying me credit. In another letter from them, regarding this same matter in a previous complaint, they stated they needed an application in order for them to extend lines of credit. If they indeed checked my credit report to see that I was not so " eligible '', where did they get, y information from. This seems like unfair and deceptive practices. I have three accounts with Capital One that are ALWAYS in good standing, with exceptional payment history. How can you tell me I'm eligible to apply for an increase every 6 months but deny me? its very misleading and I do have my legal counsel looking into this matter as well if needed to escalate.
Consumer complaint received 2017-11-09
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (PA)

On XXXX I contacted Synchrony about the terms of a mattress purchase. I had purchased a mattress from XXXX XXXX on XXXX for {$2800.00}. The financing terms for the purchase were 48 month equal payment no interest. I received a printed set of disclosure information from the sales person about their credit card from Synchrony and she reviewed the terms of the credit purchase. I received the bill from Synchrony and setup automatic payments to cover the balance over the term of the agreement - no issues so far. Then on XXXX, I used XXXX XXXX 's comfort exchange for a second mattress at a higher cost. The difference in the first and second mattress was input into XXXX XXXX 's online credit system. I then received the final receipt. I noticed that the difference amount was financed on the store 's credit card with new finance terms, 12 month deferred interest. I questioned the difference in finance terms and got a shoulder shrug from the sales person and they said it was because the $ amount was too low to go on extended payment. OK, at this point I 'm XXXX. The store wo n't issue a refund and I did n't want to cancel the transaction and keep the first mattress that I was completely dissatisfied with. The terms of financing were n't disclosed to me before the final receipt was handed to me. Had I known I might have opted for finding an equally priced mattress with out the additional cost. I mistakenly assumed that the extended payment program would be honored for the total purchase cost of the second mattress similarly as the first. So when I spoke with Synchrony on XXXX I expressed my disdain for the mattress stores financing practice. They said if XXXX XXXX would issue a credit for the original purchase and submit the XXXX amount it would be fixed. Additionally they said I had to contact XXXX XXXX to get the issue settled. I contacted XXXX XXXX about the issue and questioned why they do n't just refund the original purchase and charge the full price of the second mattress. The rep said they regard comfort exchanges as " upgrades '' and are processed separately. This is not disclosed in either their paperwork or through the sales staff. I told the rep they were defrauding customers on financing terms. She got mad and hung up on me.
Consumer complaint received 2023-05-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (GA)

I need to get a friend to pay me back {$100.00} But she only has cash app. My cash app account was closed and I do not know why but I had to file an appeal to have it reopened. They have not done anything about it for a month and will not provide any updates or a timeframe.
Consumer complaint received 2021-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2021, I sent each credit reporting agency ( XXXX, TransUnion, and XXXX ) a letter ( per their request ) requesting my consumer report, consumer file and investigative file. AS of XX/XX/2021, I have not received any of the 3 documents I have requested.
Consumer complaint received 2020-12-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (OK)

Unauthorized unknown person used card number to make purchase. Chase refuses to use due diligence to resolve. They keep billing me for this thiefs purchase. They did not contact detective or store according to both. I have file police report and notified as soon as aware of fraud.
Consumer complaint received 2024-03-11
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)

Transunion, XXXX and XXXX refuse to update inaccuracies unless reported by the creditor. Incorrect non-matching data is being calculated into my credit score, which burdens me with higher interest rates.

Please immediately correct/remove incorrect name ( no middle initial ) Correct name incorrect also known as - please remove all incorrect Former - remove all incorrect previous address - remove all Non-Mailable addresses incorrect previous addresses- remove all Non-Mailable addresses remove all Nonpublic Previous employers incorrect non-matching account # incorrect non-matching date opened incorrect non-matching high credit incorrect non-matching last reported incorrect non-matching comments incorrect non-matching last active incorrect non-matching date of last payment
Consumer complaint received 2023-05-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (SC)

I was informed that my direct deposit was sent to my cash app but it failed. Was later told needed to verify card. Have NEVER Had to do before. Now my deposit won't post due to cash app not verifying my identity and now I'm homeless with a XXXX XXXX XXXX cuz all I get is the same generic " we are working hard to resolve this '' message. Everything I contact them it's the same unresolved problem.
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: TD BANK US HOLDING COMPANY (TN)

I have been involved in a number of data breaches and security issues that have previously been reported. I have reported the issues to the follow companies and including a bankruptcy. Crediting Reporting agencies are reporting data incorrectly after being notified. 
XXXX XXXX XXXX XXXX Not Provided XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TD Bank XXXXTarget Credit XXXX XXXX XXXX XXXX Previously Removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT TN XXXX XXXX XXXX Previously Removed/Not mine XXXX XXXX XXXX account number
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: EQUIFAX, INC. (AL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX This letter is a formal request to delete the inquiries listed below from my credit report. To my knowledge, I have not signed any documents authorizing the companies listed to view my credit history. With that being said the inquiries are violating the Fair Credit Reporting Act, Section 1681 b ( c ) : Transaction Not Initiated by Consumer and need to be removed immediately. 

1. EQUIFAX MORTGAGE SERV - Inquired on XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX - Inquired on XX/XX/XXXX XXXX. XXXX XXXX - XXXX on XX/XX/XXXX XXXX. XXXX XXXX - XXXX on XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX XXXX - Inquired on XX/XX/XXXX XXXX. EQUIFAX MORTGAGE SERVICE- Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX When the inaccurate information has been removed I would like a copy of my credit report mailed to me. The report should include all personal information, all other inquires, and all balances updated. 

Thank you, XXXX XXXX XXXX
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 — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have attempted to dispute old student loans reported by XXXX several times in the past for for violations but they are still reporting on my credit report. I have attached a copy of how they are being reported. The numbers I reference below correlate to the attached copy of my credit report. 

Items 1,2 and 5 are being reported on my credit report with no Date of First Delinquency. This is against FCRA rules. There is no way to determine statute of limitations and as such these files need to be deleted from my credit report. 

Items 3 and 4 show a date of last payment of XX/XX/11. This is clearly beyond the 7 year statute of limitations for an account of this type. It is also incorrectly being reported as past due when they should have been changed to charge off status years ago. These accounts need to be deleted immediately. 

The inaccurate listings of these accounts on my credit are causing me financial harm as they are preventing me from being able to purchase a home for my family. I have disputed these items well over a year ago and was truly dismayed to find nothing had been done. 

Please assist me in looking into this matter and helping to get these accounts deleted as soon as possible.
Consumer complaint received 2019-11-24
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (VA)

I learn my credit line was decrease on XXXX XXXX, 2019 after two years of perfect payment history since opening the account. I was sent a conflicting letter that the decision was base on XXXX  Reporting. I did not understand why my credit line would be decrease with a perfect payment history and perfect credit. I call Macy and ask for the reason why my credit line was decrease? They said I need to call XXXX  and refuse to tell me or send me a letter telling me the reason for the decrease.