davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

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. Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my accounts were properly investigated but how is that possible if the open dates are inaccurate, the date last active is inaccurate, date last reported is not accurate. This ground for removal they also violated my rights under 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 USC 1681 c ( a ) ( 5 ) Section States : no consumer reporting agecy may make any consumer report containing any of the following items information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years XXXX XXXX XXXX, XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX, XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX XXXX XXXX  XXXX, XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX  XXXX XXXX XXXX, XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX XXXX, XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report.
Consumer complaint received 2022-05-25
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

When I signed my loan documents the insurance payment was included as part of the mortgage payment. ( Attached a copy of the closure documents ). The lender company sold the loan to fifth third bank and I did not signed with Fifth Third any paperwork that implied me to purchase home insurance separately from my mortgage payment, as it is stayed on my closing documents. I request to re-open this case and review the closing documents terms I signed. They are not honoring the terms i signed with the lender company, where it is stayed the homeowners insurance is included on the mortgage payment. 
I have requested to remove the PMI insurance, as I have not missed a payment on this loan. The Bank is refusing to remove the PMI, as they stay I did not purchase an insurance when they notify me. Which I signed on my closing documents was going to be paid as part of my mortgage. They are not honoring the closing documents I signed with the lender company and are refusing to remove the PMI with no reason.
Consumer complaint received 2015-07-09
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Radius Global Solutions LLC (NC)

We get daily calls from phone number XXXX. They claim to be from a debt collection agency 'Central Credit Services '. They instruct us to call a different number ( XXXX ). We do not owe a penny to anyone and have an excellent credit score to prove it. I just want these calls to stop. I am afraid to call the XXXX number because I have read online that it is a scam to obtain personal information. We have had the same telephone number for XXXX years so I find it hard to believe it is an innocent mistake.
Consumer complaint received 2022-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I submitted a complaint to the Credit Bureaus on XX/XX/XXXX requesting the removal of the fraudulent information : XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX, MO XXXX, XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$0.00}, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1500.00}, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, and XXXX  XXXX  XXXX XX/XX/XXXX, that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove and block any accounts and information not later than 4 business days after XX/XX/XXXX. Ive already included these items in my previous Complaint # 's XXXX, XXXX, XXXX & I am including them again.
Consumer complaint received 2022-05-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (KS)

I opened an account with Venmo on XX/XX/22, a friend sent {$50.00} to my account. I added my bank card and tried to transfer the funds so that I could withdraw them. It didnt work, so I attempted to link my bank account, which also did not work. I then recieved a message stating that my account had been frozen due to " suspicious activity '', and was asked to verify my identity by uploading my State Id, in which I did, and it states IN MY ACCOUNT has been verified. I have chatted with team members many different occasions throught the last 7 days, and keep getting told a specialist team member will have to fix the issue and will contact me in 6-7 days, which is passed now.I requested this evening that i just be able to transfer my money somehow so i can withdraw it and close the venmo account as it is too much hassel and i no longer want business with them. Then i read many others complaints about the SAME exact thing happening to them, and that they were scammed and never even got theor money. Still no response and problem not solved. I cant even access my funds
Consumer complaint received 2023-07-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (NY)

On XX/XX/2022 at XXXX XXXX I made a payment via cashapp of {$20.00} for work that was done, as soon as I made the payment they shut the recipient cashapp account down. The recipient never received payment recipient is blocked & locked out of account so payment was not received. I requested my return and was denied for 14 months the sender XXXX XXXX along with recipient XXXX XXXX have been ignored, told repetitive tales, I don't have the money the recipient don't have the money and cashapp has expired the account and refuses to give me back my money.
Consumer complaint received 2023-07-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (CA)

My cash app was compromised in XXXX when some one sent themselves {$500.00} from my phone to their own account. I had no idea who this person was and when I tried resolving the issue with my bank and cash app, there was no resolution. I initially contacted my bank to reverse the charge, which they temporarily did, but after investigating they concluded it was authorized by the merchant. 

I contacted cash app and tried to dispute the charge by showing proof that the bank denied the claim, but they refused to refund me my money back. I've filed multiple disputes and yet they refused to refund me back my money.
Consumer complaint received 2022-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

in accordance with the fair credit act XXXX  account # 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 account without my written instructions XXXX/equifax/XXXX  XXXX  XXXX  XXXX {$920.00} XXXX XXXX  XXXX  acct XXXX XXXX {$6500.00} XXXX  XXXX  XXXX  acct # XXXX {$500.00} XXXX XXXX XXXX XXXX acct # XXXX {$3700.00} XXXX  acct # XXXX {$260.00}
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. (CA)

in accordance with the fair credit act XXXX  account # 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 account without my written instructions Transunion/XXXX/XXXX  XXXX  XXXX  XXXX {$920.00} XXXX XXXX  XXXX  acct XXXX XXXX {$6500.00} XXXX  XXXX  XXXX  acct # XXXX {$500.00} XXXX XXXX XXXX XXXX acct # XXXX {$3700.00} XXXX  acct # XXXX {$260.00}
Consumer complaint received 2020-09-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

I received an email Sunday XX/XX/XXXX on my PayPal account of a successful transfer {$610.00}, but I did not authorize/request this transaction. The money had been transferred to a prepaid Visa. I contacted PayPal twice to advise it was not authorized, that it was not my Visa card. Both times they replied that it WAS authorized and they could not refund my money.
Consumer complaint received 2019-11-24
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. (AR)

Hello, This is a second notice please see ( Disputed on XXXX XXXX ) The following account is not mine. Please update or remove from my account. Thank you. 
XXXX XXXX XXXX The following inquiry was not made or authorized by me. Please remove from my credit account. Thank you. 
XXXX  XXXX XX/XX/XXXX XXXX
Consumer complaint received 2022-05-25
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EdFinancial Services (AZ)

The student loans that are on my credit score isn't anything I've done to be completely honest my ex husband used my info without me knowing and without my consent and I would appreciate it if you guys would take them off because I haven't been to any colleges or took any school loans out
Consumer complaint received 2023-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WI)

On XXXX XXXX, 2023, I contacted XXXX INFORMATION SERVICES to dispute inaccurate items appearing on my personal credit report. There was no action taken on my dispute and I have yet to receive a response. Therefore, since 30 days has passed with no response- these inaccuracies must be deleted from my credit report.
Consumer complaint received 2020-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WA)

I just filed complaint # XXXX, and the issue is almost identical here. Almost. Ill attach documentation for this account, it was a secured XXXX XXXX XXXX card i opened in XXXX of 2013. I paid a {$250.00} security deposit to open this account. After a few months, I became homeless and i couldnt make payments anymore. I left an outstanding balance on this account, but I already paid my security deposit. So, now that I am able to work now, I looked at my credit report and saw that this account was charged-off, damaging my credit. I remembered that I paid a {$250.00} security deposit when i opened the account, so I disputed the entry on my experian credit report. XXXX XXXX responded and they finally ... after YEARS ... applied that {$250.00} security deposit to the open charges on that account and closed the account. Here is the reason for my complaint : A security deposit is held to protect the credit card companies against situations like this. That is what its for. Why .... would you place a charge off on someone's credit report. XXXX XXXX already had my money!!! They could have simply closed the account, applied my balance due to the security deposit, or forfeit the security deposit, and we would be done. They took the extra step to damage my credit! XXXX XXXX says they will return your security deposit in 60 days, but this is not true!!!!! Do not give them a security deposit, they will try and hold it forever. They held mine for over 4 years!!!!!!! Its not their money! I wa n't those charge offs removed from my credit report. They already had the funds to pay my outstanding balance. Damaging my credit was totally unnecessary!
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. (GA)

In accordance with Fair Credit Reporting Act XXXX Account # XXXX has violated my rights. 15 U.S.C. 1681 Section 602 states I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for and purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
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. (GA)

In accordance with Fair Credit Reporting Act XXXX Account # XXXX has violated my rights. 15 U.S.C. 1681 Section 602 states I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for and purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Consumer complaint received 2022-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

in accordance with the fair credit act XXXX  account # 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 account without my written instructions XXXXexperian XXXX XXXX XXXX {$920.00} XXXX XXXX XXXX acct XXXX XXXX {$6500.00} XXXX XXXX XXXX acct # XXXX {$500.00} XXXX XXXX XXXX XXXX acct # XXXX {$3700.00} XXXX XXXX # XXXX {$260.00}
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 — Investigation took more than 30 days
Company: Affirm Holdings, Inc (MD)

My name is XXXX, a federally protected consumer, and I am making this complaint against Affirm, for committing identity theft. I have never given Affirm, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. Let alone put it on my credit report 4 times. This is fraud. I am aware that in accordance with Article XXXX, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ) .I have not validated any alleged debt with Affirm and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence, such as a trilateral contract, giving Affirm any right to collect on this alleged debt.I have never received any documentation requesting validation from Affirm, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. XXXX also is in violation due to the fact that my credit reports should be accurate across the board. If Affirm, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation.I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Affirm, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Affirm, continues its collection efforts, I will file for litigation for actual damages caused and Affirm, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required. Affirm has reported this 4 times on my credit report and it is a direct violation of my rights according to the FCRA
Consumer complaint received 2023-07-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (MA)

Subject : Complaint against Cash App and XXXX for Violation of the Electronic Fund Transfer Act ( EFTA ) I am writing to file a formal complaint against Cash App and XXXX XXXX XXXX XXXX ( XXXX ) for their alleged violations of the Electronic Fund Transfer Act ( EFTA ). I believe that both financial institutions have intentionally and repeatedly attempted to limit their liability under the law and impose prohibitive requirements to investigate unauthorized electronic fund transfers ( EFTs ). 

According to the EFTA ( 15 U.S.C. 1693a ( 12 ) ) and the provided regulation, an unauthorized electronic fund transfer refers to a transfer initiated by a person other than the consumer without the consumer 's actual authority, from which the consumer receives no benefit. In such cases, the consumer 's liability is substantially limited for the incurred loss. 

In the email response received from Cash App ( attached ), it is evident that they refused to acknowledge the unauthorized nature of the electronic fund transfers made to XXXX XXXXXXXX for the purchase of a vehicle. Cash App stated that they are unable to cancel or refund completed payments and advised me to resolve the issue directly with the recipient. However, under the EFTA, the financial institution has an obligation to promptly investigate unauthorized EFTs upon receiving notice from the consumer. The financial institution may not delay the investigation or require the consumer to file a police report or contact the merchant prior to initiating their error resolution investigation. 

Cash App 's response appears to be in violation of the EFTA and its accompanying regulations. Their refusal to investigate and resolve the issue directly contradicts the protections afforded to consumers under the law. Furthermore, their suggestion to involve law enforcement before conducting their own investigation imposes a burdensome requirement that is not supported by the EFTA. 

I believe that XXXX, as the underlying financial institution that facilitated the transactions through Cash App, may also bear responsibility for potential violations of the EFTA. It is important to note that financial institutions must comply with Regulation E obligations, and any private network 's rules should not limit consumer protections beyond what is provided in the EFTA.
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. (VA)

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. Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my accounts were properly investigated but how is that possible if the open dates are inaccurate, the date last active is inaccurate, date last reported is not accurate. This ground for removal they also violated my rights under 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 USC 1681 c ( a ) ( 5 ) Section States : no consumer reporting agecy may make any consumer report containing any of the following items information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years XXXX XXXX XXXX, XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX, XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX XXXX XXXX  XXXX, XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX  XXXX XXXX XXXX, XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX XXXX, XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report.