davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Google Compare Credit Cards Inc. (MI)

Almost every month my son-in-law sends me {$600.00} via Google Pay into my financial institution savings account. I received an email from Google Pay that my son-in-law has sent me {$600.00} to my Google account on XX/XX/2021. I received another email from Google that this amount was added to my Google Pay balance on XX/XX/2021. It usually takes a couple of days so I waited. I received another email from Google Pay that the {$600.00} was transferred to my banking institution on XX/XX/2021. I checked my financial institution the following week but it did not show up. This went on for a month and then I contacted Google via a " chat room '' as you can not speak to anyone directly over the telephone. After 77 emails between Google Pay and my banking institution, still no money. My bank blames Google and Google says they deposited the money into my checking account but can not tell me the checking account # other than it ends in XXXX. My bank says they do not have any accounts that end in XXXX. I asked why Google chose this one and only time to send it to checking when all other transactions were deposited into my savings? They just referred me back to my banking institution. My bank sent them a letter ( through me ) via email. Still nothing. I told Google I would be sending this to my attorney. My attorney is working on it but told me to make a complaint to CFPB as well. It is XXXX XXXX, 2021 and no money. My belief is fraud is involved where someone hacked into my google account and added a fraudulent checking account and diverted the funds that way. Just guessing and very frustrated.
Consumer complaint received 2021-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MA)

Ever since Experian added incorrect name and address and employers on my credit report per Score sense. Upon farther research this names and address and employers does not belong to me at this moment in time. I have only 1 address and 1 name I do not have any aliases, and only one Employer what these Credit Reporting Agencies are doing is criminal in itself. Because by receptively and despitefully continuing to criminally behave like this what this Credit Bureaus are criminally putting my reputation on the line, even after multiple attempts on my part to contact them for them please update my name as it clearly shows on my Government issued Docs and for them to please remove and aliases because I never had any aliases and to please remove any old addresses of my credit reports. Since I have been a victim of identify theft in the past I am extremely afraid of falling victim of identity theft again lost the identify theft filings documents in a fire that completely ravaged our house years ago, because our family house had caught on fire so I lost all the documents that I had. Notwithstanding these Credit Reporting Agencies have completely ignored my multiple Request to them to please fix these major issues that are constantly showing my credit report profile on the contrary these agencies are frivolously subjecting my credit profile to fraud. According to the FCRA, ( Credit Reporting Agency Names are violating my rights as a consumer and I'm requesting legal action to remove these names and addresses employer immediately
Consumer complaint received 2022-01-16
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Klarna AB (FL)

Purchased a new mattress who uses Klarna Inc as a payment provider. Since then, we receive bills in the mail from Klarna, but their website will not link my contact information to my account, which makes it impossible to make a payment online. Customer support is at best described as terrible utilizing only a website " chat '' function because their XXXX number just disconnects you when you try to use it. I want to pay off my account so I never have to use this terrible website again, but they won't allow me to make a payment and they are now saying I am behind in my payments even though I HAVE TRIED NUMEROUS TIMES. This company is fraudulent because they willfully prevent consumers from making payments, then they charge a " fee '' when the payment is not applied.
Consumer complaint received 2022-11-30
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. (NC)

602-15 U.S.C. S1681 ( a ) ( 1 ) : States that the banking system is dependent upon the fairness and accuracy of credit reporting and that inaccurate credit reports directly impair the efficiency of the banking system.

616-15 U.S.C. S1681n ( a ) ( 1 ) ( A ) : States any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer .. and because of negligence of the consumer reporting agency i was denied mortgage and job opportunity and demand damages be awarded.

U.S.C. S1681s-2 ( A ) ( 1 ) States the consumer reporting agency is regulated to reporting accurate information and can not furnish information on a consumers report that they deem inaccurate.

604-15 U.S.C. S1681 ( A ) ( 2 ) Consumer reporting agency can not furnish an account without my written consent 602-15 U.S.C. S1681 ( A ) States consumer has the right to privacy which was not respected in transaction from said company.

611-15U.S.C. S1681 ( I ) ( 5 ) States if information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall delete said accounts. 

XXXX department of XXXX - XXXX Inaccurate Information [ XXXX ] Department XXXX XXXX - XXXX inaccurate information [ XXXX ]
Consumer complaint received 2023-09-15
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Block, Inc. ()

I buy a product through this link XXXX XXXX XXXX the seller get money and don't send me anything. 
He is a fraud. 
I paid XXXX at XXXX  year XXXX XXXX XXXX  year XX/XX/XXXX this company said can't get back money please help me
Consumer complaint received 2023-09-15
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Overcharged for a purchase or transfer you did make with the card
Company: Block, Inc. (IN)

On XXXX XXXX around XXXX in the morning I used my cash app card to pay for a XXXX car wash at XXXX XXXX XXXX store # XXXX. It took XXXX dollars from my account and then adjusted it to XXXX. I did not receive any money back. I contacted the store, and they said it's on cashapp to fix it. Cash app says it's on the store to fix it. I was then told to provide cash app with a receipt which could not be done since I paid at the carwash and not in the store. I was told to provide information to cashapp and they would fix it. I provided that information today and now they are saying that it isn't there problem, it's the stores. And I have to wait 3-14 days to get my money. I'm in the process of moving and I need that money. It was EVERY XXXX I have.
Consumer complaint received 2022-10-07
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. (FL)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the Experian and XXXX credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$16000.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2022-12-01
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)

Experian has not responded to my dispute and therefore must update my credit file. The late date which is actually submitted on my credit report sounds very inaccurate or deceptive. You should furnish confirmation that this assumed account was in fact past due and that you have taken the vital practices to be able to appropriately learn more about your allegations. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please fix the account : XXXX XXXX XXXX
Consumer complaint received 2022-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

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.
Consumer complaint received 2024-04-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CULLEN/FROST BANKERS, INC. (TX)

In XXXX XXXX XXXX, fell victim to my Frost Bank issued debit card being used fraudulently and reported the fraudulent transactions to the bank. Bank closed account, advised me that I would not receive provisional credits, and would receive any credit only after the fraud team completed their investigation ( 90 days ) and made a determination that the charges were indeed fraudulent. During this time, the account was at a {$0.00} balance ( was not negative in the amount of the disputed transactions ). After the 90 day investigation period, the local branch manager overseeing my fraud case called me to advise that the investigation was completed and that it was determined that fraud had occurred. She advised me to come to the branch to pickup my cashiers check in the amount of {$1200.00} ( may be off slightly ), which would effectively zero out the account for the closure already planned/in affect. After another XXXX days from picking up the cashiers check, the branch manager called me to advise that the decision had been reversed, and that my account was negative in the amount of the cashiers check that the bank issued me, and that I would need to repay the bank this amount to avoid the account being sent to collections and the unfavorable account history reported to consumer reporting agencies. When I asked how this was possible that they could reverse their decision after the 90 day investigation period had completed, they made a determination in my favor, and issued me a cashiers check, she did not know the answer and commented that she had never seen this happen before and that it was just what she was told. I asked to speak with someone directly in the Fraud department, but was advised that the bank did not allow this type of interaction. The account has been sent to a collections agency, and the poor account performance was reported to consumer agencies. This has been extremely damaging to my financial well being, making it impossible to open accounts. All of this after I had been a victim of fraud and patiently waited 90 days for {$1200.00} of my money that was stolen from my debit card to be returned to me. The impacts and cost long term have now far surpassed the original amount disputed.
Consumer complaint received 2022-12-01
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. (CO)

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. 

Account name : XXXX XXXX XXXXXXXX XXXX {$1400.00} CLOSED ON XXXX, Account name : XXXX XXXX XXXXXXXX XXXX {$1600.00} CLOSED ON XXXX Account name : XXXX XXXXXXXX XXXX {$4900.00} CLOSED ON 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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MD)

I recently disputed the bankruptcy information reporting on my Equifax credit file with the credit bureau and they investigated the item and stated that it was accurately reporting according to their source which is XXXX. However, I recently challenged the accuracy of XXXX reporting of the bankruptcy and since they failed to investigate and validate the bankruptcy within the time parameters allowed by law, they removed the bankruptcy from my consumer file. Thus, if the bankruptcy information that was verified through XXXX is no longer being reported by XXXX then it should be immediately removed from my Equifax credit report. 

Additionally, I have disputed, numerous times, three inquiries that are reporting on my credit file erroneously. Equifax continues to state that inquiries are a matter of factual record but they failed, as required by law, to provide me with any information that verified that I actually gave verbal or written permission for these companies to obtain a copy of my credit report even when I informed Equifax that the pulling of my credit without my consent is fraudulent activity.
Consumer complaint received 2019-05-09
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 — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY (FL)

The company I work for deals with XXXX XXXX and back in XX/XX/2019. As you know, there was a shut down in the government and no one was getting paid. I notified TD Card services ( TD Bank ) of the situation and that I was in the process of buying a home. I also asked them to please work with me so I would not have 30 days late on my credit report. I have been with them for almost 4 years and has never been 30 days late. I explain the situation to them, they still reported to the credit bureau as late. I as them to please can they remove the one and only time I was late they still said no. Since then the account is paid in full and I have asked for it to be removed from all three credit report. They have not complied. please help me, it is hendering me from optaining a mortage.
Consumer complaint received 2019-01-17
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. (ID)

XXXX XXXX XXXX- XX/XX/18 {$1200.00} XXXX XXXX-XX/XX/18 {$850.00} XXXX XXXX XX/XX/18 XXXX I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly delete all information which can not be verified that I have disputed. Please resolve this manner as soon as possible. Thank you
Consumer complaint received 2022-11-30
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. (MO)

This is NOT a duplicate letter or a copy ...... THIS IS NOT A DUPLICATE or a COPY I am a real person trying to get answers on these fraudulent accounts. 

I sent a letter to Experian and XXXX XXXX on XX/XX/2022. However its been over 30 days and NOTHING. ( please help me ) .Is not making sense. They did not send my investigation back. 

When i checked out the laws it states Procedure in case of disputed accuracy.If the completeness of accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consume, and the consumer NOTIFIES the agency directly, or INDIRECTLY through a reseller, of such disputes, the agency shall, FREE OF CHARGE, conduct a reasonable investigation to determine whether the disputed information is inaccurate and record the current status of the disputed info, or delete the item from the file according to paragraph five, before the 30 day period?
Consumer complaint received 2023-09-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (AZ)

On XX/XX/XXXX my card was used at XXXX for {$70.00} they declined it and then it was approved at XXXX at night so the items in question that we're getting paid for paid for twice I submitted my claim and they denied it. Next transaction was made for {$47.00} at XXXX XXXX XXXX the next one was the XXXX also it was for {$110.00} that was to XXXX XXXX XXXX XXXX. The next one is for XXXX for {$86.00} the next one 's for XXXX on the XXXX in XXXX for. {$54.00} XXXX cents. 
Final transaction was for {$93.00} even to XXXX XXXX on the XXXX of XXXX I reported my card stolen I tried to lock my card during the process of this time but cash offers experience you know technical difficulty outage and that's not what I'm blaming it on I'm blaming it on the whole fact that some took my card and they denied my claim. 
I also filed a XXXX report.
Consumer complaint received 2023-04-18
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: EQUIFAX, INC. (CA)

Consider this complaint as my follow-up complaint in line with my previous complaint. This complaint is to notify you to remove these items from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$96.00} XXXX XXXX Balance : {$0.00} Chapter XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-05-09
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. (FL)

THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, AFTER REVIEWING MY CREDIT REPORT I REALIZED THAT THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY FILE. I WOULD LIKE FOR YOU TO CONDUCT A RE-INVESTIGATION INTO THOSE DEROGATORY MARKS AND HAVE THEM REMOVED OFF MY CREDIT.