davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-20
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

My name is XXXX XXXX, this complaint is not made in error nor 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 this account. 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. Please delete the account below from my report : XXXX XXXX XXXX XXXX XXXXXXXX Open Date XX/XX/2016 Balance : {$8500.00}
Consumer complaint received 2023-07-06
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)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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



XXXX XXXX Account number : XXXX - IDENTITY THEFT XXXX  XXXX Account number : XXXX - IDENTITY THEFT XXXX XXXX ( Original XXXX ) Account number : XXXX - IDENTITY THEFT XXXX  XXXX Account number : XXXX - IDENTITY THEFT XXXX XXXX Account number : XXXX - IDENTITY THEFT 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-08-24
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: EQUIFAX, INC. (NY)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. 
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Consumer complaint received 2023-03-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: ALLY FINANCIAL INC. (SC)

I have a credit card with Ollo. My husband is on leave without pay, and I am unable to make a payment at this time. Ollo calls me 3-4 times a day about my balance due. They also send text messages almost every day. I don't think they are allowed to contact me this much.
Consumer complaint received 2023-07-06
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)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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

XXXX XXXX Account number : XXXX - IDENTITY THEFT 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-28
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. (VA)

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 2023-01-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (GA)

On XX/XX/XXXX. I added {$31.00} to my cash app to pay for a XXXX. XXXX to {$27.00} from my cash app instead of the price from the ride and I never received my ride. On XX/XX/XXXX, I submitted a dispute with Cash app, but because of a glitch in the Cash App system I was unable to upload documented proof that XXXX had already been paid the {$27.00} in XXXX. So I called Cash App support to escalate the original dispute after Cash App denied my dispute. I received an email asking me to upload my proof in which I did of my bank account showing that XXXX had already received this payment. I have been disputing this payment with XXXX and my bank since XXXX, with no resolution with XXXX removing the info that I still owed this balance to them. My bank account shows that I was double charged by XXXX for XXXX ride. My bank disputed the charge because they had proven that I paid for my ride already. I was advised by Cash App to submit the dispute again if denied from the escalation. I was denied and submitted the dispute again with more than enough documentation. Immediately my dispute was denied and then they canceled the use of my card, without any notice. Between XXXX and Cash App, this is unfair business practice for consumers. I don't believe that Cash App provided the proof of payment to XXXX to show that a {$27.00} payment had indeed been submitted to XXXX. Cash App did not back me at all. I have been a long time customer of cash app for a long time with no issues except in XXXX. They gave me excuses satating that they could not provide me with any additional info.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

I was reviewing my credit reports and found multiple accounts with conflicting information between the XXXX credit bureaus for the same accounts that list different account numbers, date of last activity, last payment date, balance, account status, and original balance. I am requesting that all information for the accounts listed below be provided in writing to me which includes but not limited to : the original contract with my wet signature, full transactional history from date of opening to present or closing of the account, any other documentation that was use to verify the account as being accurate. 

Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : I have attached a copy of my ID for identity verification and a bill for address verification. 

XXXX XXXX XXXX | ACCOUNT # : XXXX | {$0.00} XXXX XXXX | ACCOUNT # : XXXX | {$0.00}
Consumer complaint received 2023-01-18
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. (VA)

The credit reporting agencies Experian, XXXX and XXXX is reporting a Closed XXXX XXXX  Account # XXXX opened on XXXX XXXXXXXX XXXX XXXXXXXX XXXX  Account # XXXX opened on XXXX XXXXXXXX XXXX Account # XXXX opened on XXXX XXXXXXXX XXXX XXXX XXXX  Account # XXXX Opened on XXXX XXXX Dept Of ED/XXXX account # XXXX Opened on XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX opened on XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXXXXXX XXXX  account XXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX account # XXXX opened on XXXX XXXXXXXX XXXX  account # XXXX opened on XXXX XXXX XXXX XXXX XXXX account # XXXX opened XXXX XXXX XXXX account # XXXX Opened on XX/XX/XXXX XXXX
Consumer complaint received 2018-06-08
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (SC)

The first year of my mortgage I paid a different bank approx XXXX $ a month. Exactly 1 year into the loan I was sold to M & T, the first month went over fine at the XXXX, the next month I was bumped up to XXXX, I figured it was just taxes increased for the year and I wasn't happy but bought their story. The next year, my escrow apparently had a shortage, I looked into it and found it was an error of the county and quickly rectified it, I even received a tax refund for it. I contacted M & T to correct this and they informed me that they will only provide an escrow analysis once a year in XX/XX/XXXX after the county provides them with the new bill in XX/XX/XXXX.

I contacted the county assessor and they bill in XX/XX/XXXX, you know the government end of fiscal year, and also we're willing to provide me certified statements of my correct tax bill. I was excited with this news and called M & T back to have it fixed ... They gave me the same story, that they only review escrow in XX/XX/XXXX ... Now I asked to remove the escrow since obviously I seem more capable of handling my own taxes, I submitted the form hand signed and to the exact fax number and person they instructed me to, I even placed contact information in the case there was a problem, no on called so I figured it would be solved by the end of the month ... Nope. Another {$1600.00} bill from M & T, I called and asked what's up, they informed me, a month later, that my request was denied. Of course I questioned this and after several holds and transfers they came back stating it's part of my contract and can not be removed. Well I then researched my loan, no mandatory escrow for my loan at all, I even contacted the VA to verify this. I called again and was given the same 2 answers, no we will not remove it and no we will not re-evaluate it. 

Now I am seeking an attorney to help rectify the situation since apparently I am not the only sucker sold out to this criminal group. What steams me the most is they told me " don't worry you'll get any overage back in XX/XX/XXXX of next year '' ... Don't worry? My mortgage payment is almost {$500.00} more a month than the agreement I signed, I am going out in a limb here and saying if anyone in the general population is hit with {$500.00} extra a month, that is going to cause serious damage or hardship. Where do these people get off at thinking they can hold onto approximately $ 5-6000 for a year ( most likely earning interest ) and it's ok because they'll return it in one years time.
Consumer complaint received 2022-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I received a copy of my credit report and found multiple in accuracies ; XXXX XXXX XXXX XXXX also XXXX funding account number XXXX report across all three bureaus are different. 
2.Report as closed account on XXXX but report payment activity on XXXX 3 XXXX Report different dates of the last payment on each bureau. 
4. payment history differs on all three. 
Please remove it from my credit report. By the provision of the Fair Credit reporting act I ask that these items be removed. this is a clear violating pf 15 U.S.C 1681s-2 ( a ) a duty of furnisher to provide accurate information. 15 U.S.C ( 1 ) a person shall not furnish any information relating to any consumer to any consumer agencies if the person has notified that such specific information is inaccurate. I understand that you must complete this investigation within 30 days under 15 U.S.C Sec 168i ( a ).
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. (NY)

My name is XXXX 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 2023-02-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc. (PA)

Hello. I am reaching out because I have a previous Cash App account and a current cash app account. My sibling sent money to my old cash app. She is unable to receive a refund via her own cash app account due to their fine print when making the account. As I am attempting to regain access to the old account, I am not providing the correct information to confirm my identity or so they explain yet I have sent my full name, social and address PLUS everything they asked for step by step. They explain they can ATTEMPT to access my account again but if unsuccessful, I can not have access to the old account, new account AND she will not receive her money. I explain I do not want to even take the chance to risk it because clearly any information I provide will be denied and then I will be told you were explained we were unable to do anything further. Their customer service answer is copy and pasting the rules they have sent over and over as if I can not read. I ask for upper management and I am told there isnt any. I insist my legal team will reach out and THEN they have a manager reach out via customer service but in email. They are denying me access to the money and denying refunding her the money even though they can see and move the money ( they explained they can TRY to send ME the money but IF unsuccessful then I will lose the money ). After hours of going back and forth explaining they are not providing proper or legal service and will have my legal team contact theirs and explain I was making a report to the CFPB, THEN they send me the money to my new account from my old account WITHOUT MY PERMISSION.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I took a car out with XXXX XXXXe about 8 years ago..I got into an accident the car was deemed a total loss and my gap insurance paid the car off in full amount.XXXX XXXX reported the car on my credit report as a voluntary repossession which is incorrect and they also have had a hold of my credit by doing this for the last 8 years.once again the car was paid for by my insurance and XXXX XXXX still has a hold on my credit I believe this is based on XXXX profiling as I been told by many dealers. XXXX XXXX has not removed the voluntary repossession remark from my account and this keeps causing a negative impact on my credit for a long time now.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous accounts that needs to be investigated and updated : XXXXXXXX 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 2023-02-13
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Block, Inc. (TX)

I made a purchase for furniture on XX/XX/XXXX. I was due to receive the furniture and was advised I would be getting an email when the item shipped. On XX/XX/XXXX I waited for an email from the company, I never receive it and by the XXXX of XX/XX/XXXX I started to worry. I reached out to Cash App support because after that purchase there was an attempt made XX/XX/XXXX when someone else tried to charge my card for {$100.00} this was fraud and I have not had any fraud activity until I made the original purchase XX/XX/XXXX. I also had another fraudulent charge of XXXX on XX/XX/XXXX. I have reached out to Cash App on multiple occasions in the regards. I did make this purchase I am not denying that. I have tried to reach out to someone where I made the purchase and have been unsuccessful in my attempts. The email XXXX they provide on the website directs you to an entirely different company. That company did reach out to me and stated that they did not sell furniture, the email was the only one provided on the website https : XXXX where I made the purchase and they do not have a good phone number XXXX. I have attempted multiple times to dispute this through Cash App and have provided the documentation showing it was fraud. This has cause unsurmountable stress and anxiety as it has been going on for almost two months. I have put over ten hours of my time into getting this resolved to no avail. I believe that Cash App is supporting these fraudsters by allowing them to keep my money. I have provided all the necessary documentation. They have denied my claim more than five times! I never received the goods. I did attempt to contact the company which I believe is fraud. I will continue until this is resolved.
Consumer complaint received 2023-02-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc. (NY)

I provided an invoice to a consulting client, XXXX, from my company, XXXX XXXX, XXXX. for XXXX consulting services. The total amount was {$5000.00}. The invoice was paid on XX/XX/2023. 

My account with XXXX XXXX XXXX was then closed, the money was locked, and all support workflows are closed to customers with closed accounts. I submitted documentation - including XXXX formation docs, invoice, contract between XXXX and myself, and email confirmation of the payment from the customer 's team. The account was then closed immediately and all money locked, with no additional appeals possible. 

I have tried to refund the payment to XXXX, which can't be done, and I am unable to transfer to cash out either.
Consumer complaint received 2023-03-15
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: EQUIFAX, INC. (NV)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX NV XXXX ; XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance : {$1200.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX.