davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (KY)

In XXXX, I contacted Cash App about XXXX unauthorised transactions made on my account all to a merchant called XXXXXXXX XXXX XXXX  ' - most of these transactions occured within minutes of each other. 

Cash app asked me for all the transaction details for each of the XXXX transactions and I confirmed they were all unauthorised. Cash app initially did not refund any of the transactions. I subsequently lodged a complaint at the end XXXX and they refunded XXXX of the transactions. Since then I have been trying to obtain details from Cash app as to why they refunded only XXXX of the transactions and not all of the transactions. They indicated I approved the transactions for which I asked for evidence of this which they provided a email which simply said I approved them without details of how they came to this conclusion. I recently complained again and they asked for the same details again and then replied to say that they would escalate it and I would get a email response. They still didn't provide the rationale that I was seeking as to why XXXX transactions were refunded but not the others- noting they were all to the same merchant eg XXXX XXXX XXXX and were all unathorised. 

They simply replied with information on the transactions but no explanation. When I questioned this there response was that they have closed the case due to me not responding and they consider the matter finalised. 

I am seeking compensation for the other XXXX transactions. 

It makes no sense as to why the distinguished between the transactions and also given the way this fraud occured on my account I would have expected that Cash App systems would recognise multiple transaction in a short period are likely to be a fraud similar to processes banks have in place
Consumer complaint received 2023-07-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (GA)

On XX/XX/2024 I was a victim of fraud using my XXXX XXXX checking account. There was a member to member payment placed in my account in the amount of {$4500.00} from a member that I dont know and never had any sent or received money from. The exact same day and debit from my checking account was done in the amount of {$4000.00} to cash app. I didnt make any transactions at all and have been a victim of fraud but Cash App is not investigating this issue. I submitted a complaint and it was dismissed with no information. They didnt explain how they came to the conclusion just denied it. I also submitted a complaint to cash app serval times but there is no one I can speak with to successfully resolve this issue. Im frustrated because this has turned my life upside down. I need this to be properly investigated. The letters I received from XXXX XXXX as well as Cash App does not show proof that I made these transactions and its sad that they wouldnt provide the proof since theyre adamant on denying my claims. Im upset that there was no thorough investigation done concerning this matter. I want cash app to take the funds from the scammers whos cash names XXXX XXXX XXXX XXXX who both debited my cash app account that was linked to my XXXX XXXX account.
Consumer complaint received 2021-03-06
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC. (IN)

Auto loan through Ally Financial was opened XX/XX/XXXX fir {$30000.00}. The loan payments were roughly $ XXXX/mo. The monthly payments were made on time or early each month and at times made with double payments all the way until XXXX calendar year. There were three months were the payments started to get late do to marital issue at the time along with some other financial issues that arose from the start of marital separation and divorce. Ally was contacted on multiple times regarding the late payments and sought help from them for possible refinance, or any other assistance. I was told that at the time of that they were unable to offer assistance because the principal amount was not low enough for a refinance, however I argued this point with them and informed them that I applied for a refinance with my personal bank and was approved for loan with lower interest rate and payment however the amount approved was for minus {$2000.00} so I would have still been left with a balance owed to Ally and had to make two payments. The vehicle was repossessed around the summer of XXXX. I had sought more help from them after the repossession due to having {$200.00} dollars less than the full amount to get vehicle back amd they refused to work me regarding a plan as like was done leading up to the repossession. The vehicle was sold in auction however the amount sold for was not able to cover remaining balance. Since XXXX the auto loan went to collection and had been paid back under hardship at {$25.00} a month. The loan was recently sold to another agency and they are threatening legal action because its being paid back under hardship and not at a high enough payment. The amount owed is {$12000.00}. 
Ally recently hit my credit report after I filed a dispute through the credit bureau requesting the monthly payment of {$25.00} be reflected as being paid toward balance and instead I encountered a 32 point hit because they claim I only pay 6 % of the time. It is my belief that Ally benefited from their predatory practices that only benefited them and not the consumer that held the loan by negotiating terms or stipulations that were not achievable by the consumer therefore causing financial harm to the consumer while Ally made money off of the consumers financial trouble.
Consumer complaint received 2020-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (TX)

They are charging me XXXX interest on a XXXX balance without any notice. They are charging deferred interest on the entire balance since XXXX even tho the balance was already paid partially off. only XXXX should be charged interested they are charging interested on 30 months of the entire purchase from XXXX to now even tho some payments were made. They also said there was no way to apply to older promotion balances only online unless we call every payment and tell them to apply it to older promotional balance.
Consumer complaint received 2020-08-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

i've already made a complaint and the bank called me but when i try to call back i can't go through this needs to be resolved before XX/XX/XXXX when they take the temporary credit back for fraud. I got a notice unable to pay for my 2 claims XXXX total which the credit should be permanent as my debit card was unauthorized used and stolen.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MA)

There is a bankruptcy reporting on my credit report by Equifax, XXXX, and XXXX. I contacted the bankruptcy court to see if they share that kind of information with reporting agencies, they said no. I sent letters at the end of XXXX to each reporting agency to have the bankruptcy removed since they are reporting from an inaccurate source ( I included the letter from the bankruptcy court saying they don't release that information to the public ) and have not heard back. I filed a complaint with the Attorney General as well. 

Having this bankruptcy inaccurately reported to my credit report is causing me emotional distress and is stopping my ability to attain credit for my business. They did not obtain this information from an accurate source and I would like it to be promptly removed from my credit report.
Consumer complaint received 2020-02-05
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. (MO)

, On XX/XX/2020 I received a call from Experian after leaving a message for XXXX XXXX. The associates ' name was XXXX. I advised her that I spoke with XXXX in regards to my student loans and the payment history being incorrect. She advised me that she would open a dispute to attempt to have the payment history corrected. Before the end of the call, I asked if Experian did 1st party verification for consumer information or 3rd party, and she advised me that they use 1st party communications only and the call was concluded. Later that day, I checked the my online profile and didn't see any open disputes, so I called XXXX XXXX and left a message to verify that a dispute had been started. When he returned my phone call on XX/XX/2020, he stated that she did open a dispute for the student loans. I then asked him if the verification would be first party or 3rd and he stated that the company sends notification and the information is verified by the 1st party within 30 days. HOWEVER, on XX/XX/2020, I received a letter from XXXX stating that they had opened an investigation into Experian to verify information on my behalf. I have not sent XXXX any documents or made any such requests thru XXXX.
Consumer complaint received 2021-07-21
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)

I noticed that there was a medical bill reporting to my credit and I believe that medical bills were supposed to be private information and I never gave out my medical information to any collection companies.
Consumer complaint received 2023-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

These accounts are inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done may attempts to reach out to 3 Credit Bureaus but the failed to give me any results or feedback 's about this concern. Please investigate and remove it from my personal credit file. Thank you. INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DP OF EDUC XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-06
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: EQUIFAX, INC. (TN)

I tried to get my credit score. But it is unavailable and has been for awhile. I checked today XX/XX/21. And was told it's because I am deceased. My daughters can verify that I am still alive and social security can also verify. I really would like to fix this ASAP. I'm thinking of buying a home or car. Thank you
Consumer complaint received 2020-09-24
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: EQUIFAX, INC. (GA)

There are several issues with Equifax. First and foremost, they refuse to remove something because they claimed that they " investigated '' it. When they failed to remove it from my credit bureau, I called them to offer clear and irrefutable proof that the collection was an error made by XXXX XXXX XXXX. A Sr. Executive from the office of the president of XXXX XXXX XXXX wrote a detailed letter so that I could possibly get faster results by disputing this matter with the credit repositories directly. On Thursday, XX/XX/2020 I spoke directly with an agent on the phone. When I explained that I did not like the results of their investigation, I offered the letter to support why her " investigation '' was incorrect. She said she was not interested in the letter from XXXX XXXX XXXX and that their determination stands. XXXX and XXXX both removed this from my credit file within hours of having that. Equifax, in refusing to remove or even look at my documentation corroborating the error caused me to get a loan declined for refinancing my vehicle. The loss of funding for that loan forced me to take a much higher rate at another institution. One that pulled a different bureau. In the meantime, the same error has been made with XXXX. I have submitted documentation to Equifax that shows my account was credited and that it has already been removed from my XXXX   credit file. It was not " paid in full '', it was a credit with an apology on a " crediting error '' and have that in writing from the XXXX rep to support this as well. Leaving this on my file at only one repository, Equifax, is ridiculous. 

Additionally, I have provided my driver 's license 3 times so that they could get my name and address correct. This has yet to be corrected. I have NO suffix. Being that my father and I share a middle and last name, they have apparently commingled our names/addresses along with my father 's suffix of Jr. Is my father 's credit being compromised by this? One could almost construe this as identity theft ... removing my actual name makes things look suspicious with lenders. 

If Equifax is not capable of fixing things in a timely manner, how can they be charged with the handling of personal information that is imperative to consumers to do business? They already have issues with keeping our information secure, why are they still allowed to be in business?
Consumer complaint received 2024-02-08
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. (NJ)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : USDOEXXXX XXXX US DEPT ED XXXX US DEPT ED XXXX
Consumer complaint received 2020-08-02
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)

Hi I have issue with my credit report, and the reason I'm trying to fix it because they delete the inaccurate account off my credit report and, reinserted back over 2 months after account has been removed. 
For my understanding they have only 30 days to respond and extra 15 days for investigation if needed. 
XX/XX/XXXX XXXX account already been deleted. 
XX/XX/XXXX account doesn't shows in credit report. 
Looks like everything is fine but.. 
XX/XX/XXXX account come back again and it's late it's inaccurate and it's doesn't come off until today .. 
Please look at the Experian reporting dates which I attached to photos and you will see there is no late account over 2 months
Consumer complaint received 2023-06-14
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: Experian Information Solutions Inc. (UT)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-06
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. (PA)

XX/XX/2021 i submitted documentation to the credit agencies requesting them to remove accounts. that has been reporting as a violation pursuant to 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( 1 ) which is the " term " credit card '' means any card, plate coupon book or other credit device existing for the purpose of obtaining money property labor or services on credit. The credit card is my Social Security Card.The card used to create the consumer transaction listed. 
The company did not responded in the time allowed so these accounts should be removed.i received notice of receipt on XXXX XXXX, XXXX and XXXX with no response and it is past the 30 days
Consumer complaint received 2019-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (NY)

XXXX XXXX XXXX reported a late payment on my account claiming it to be 30 days past due! My account is not past due and all my payments are current. This report dropped my credit score 53 points! This is not the first time that this finance company has put wrong information on my credit report and before filing a complaint I tried to handle the previous situation with no luck. They need to contact ALL OF THE CREDIT BUREAUS and have this information removed ASAP, for I am trying to purchase a property within the next few months.
Consumer complaint received 2018-05-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Seterus, Inc. (IL)

Seterus, Inc. took over my mortgage loan. I have had problems with this company for several years. They told me for a very long time I had missed a payment, after sending them all of my bank statements to prove that I hadn't missed a payment, they found out they applied a payment of mine to the principal amount, not my mortgage payment. I have been told I was late several times when I mail my mortgage check to them several weeks early. I have been told that I've missed payments and been late and have to continue to scan them documentation to support that they have cashed my checks. I have tried to refinance with a new mortgage company but I also have problems with this because Seterus does not report any payments to the credit bureau.
Consumer complaint received 2018-12-29
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: EQUIFAX, INC. (KS)

On XX/XX/2018 an XXXX XXXX XXXX XXXX XXXX XXXX XXXX   representative in an XXXX XXXX XXXX XXXX XXXX XXXX XXXX , KS XXXX United States ask me for some information including my name and address, she did not inform nor did I give consent to have a credit check, and now there is a hard inquiry on my Equifax Credit Report .
Consumer complaint received 2020-08-02
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. (CA)

I received a copy of my Equifax Credit report after being denied credit. I ; immediately, sent a letter to Equifax requesting for an investigation into several accounts, one being XXXX XXXX XXXX XXXX ( Account # XXXX ). Equifax returned a response that the account had been verified by the XXXX XXXX XXXX XXXX. I still noticed several inaccuracies with what was being reporting ( Payment History and Date of First Delinquency ), so I sent a second letter requesting a " Description of procedure '' used to verify the account according 15 U.S.C 1681i ( 5 ) : Treatment of inaccurate or unverifiable information ( A ) In generalIf,  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 re-investigation Equifax received my request for description of procedure used in, XX/XX/XXXX and XX/XX/XXXX ( See attachments ) & Equifax still has not provided me the my requested information within 15 days of receiving my letter 15. U.S.C 1681i ( 7 ) ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description ) Currently, Equifax is still reporting violation and inaccurate information by reporting the account as such : Date closed XX/XX/XXXX, but Date of First delinquency is XX/XX/XXXX & Payment History reporting a different date than XX/XX/XXXX. This painting a false picture of my credit profile. And, by this the account is re-aged because the Date of First Delinquency is not reported correctly. This is the 3rd time I had to request a " Description of the Procedure '' Used to verify this account that is still being reported incorrectly. 


This is a violation of my consumer rights. 

15 U.S.C. 1681i ( a ) ; Johnson v. MBNA Am. Bank, 357 F.3d 426, 430 ( 4th Cir. 2004 ) ; Fed. Trade Commn v. Gill. 265 F.3d 944, 1035 ( 9th Cir. 2001 ) ( If an item is found to be inaccurate or unverifiable, the CRA must delete the information from the credit report. ( emphasis added ) ). See 4.6.2 [ 4 ], infra.