davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (OK)

On XX/XX/XXXX, around XXXX, I tried to pull money from the atm at XXXX XXXXXXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Oklahoma XXXX ( XXXX ). I attempted to withdraw {$160.00} from my CashApp debit card ; however, no money came out of the atm. 

The atm was buffering for a while and I began recording this action. As I was recording this on my cell phone, I received a phone call that stopped the video. I looked up at the atm and an error message populated stating, there was a problem dispensing cash. Please contact your bank. 

I tried to call CashApp, as it was the weekend, the contact center was closed. I was able to start a chat through the app, but it was an hour wait time to chat was a rep. Finally, a rep came on the chat line, and I told him what happened, and he sent a link to start the dispute. 

I gave them all the information that they requested ; however, I was not able to send the video with the original dispute because the only option I had was to send a file. But I only had a video. My cash app account was debited {$160.00}. My debit card was debited with a {$2.00} fee and a {$3.00} fee plus the {$160.00} even though I didnt get the money. 

Monday ( XX/XX/XXXX ), I called CashApp because I wanted to speak with a live person. I spoke with XXXX. I advised her that I had spoken with a XXXX XXXX rep before calling CashApp and the rep advised me that my bank will have to contact them to start the claim process. The rep from XXXX XXXX advised that CashApp will have to initiate the claim and all they will have to do is an audit on the atm ( which usually takes up to XXXX ). XXXX started a new dispute and advised me that I should get an email if they needed the video or more information. I never received an email requesting anything. I did receive a denial email though. 

I have several claims for this issue because I have been constantly reaching out to CashApp. I keep getting denied and I do not understand why. I have done everything that I know to do. The only way you can speak with a dispute rep is through email. Once a dispute is started, no rep will help. They can only start a new dispute. When I start a new dispute, they say that the original dispute was denied, and they will not respond to any of my questions about this case. They continuously say, is there another issue I can assist with. Therefore, letting me know that they are not going to continue to discuss this issue. I am getting nowhere with my case. 
I spoke with another agent on Monday ( XX/XX/XXXX ) that advised me that claim number XXXX is still being investigated and I should hear back on the claim sometime this week. He asked me to attach the video I had at the ATM when the error occurred, and I did. I received a denial for the claim again. I am confused because I am receiving lots of claim denials for claim numbers that have nothing to do with my original Claim.
Consumer complaint received 2021-03-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: KLS Financial Services, Inc (TX)

KLS Financial Services / XXXX XXXX XXXX XXXX failed to verify /provide proof of debt under 15 USC 1692 ( e ) and 15 USC 1692 ( f ). This item is currently reporting to XXXX, XXXX  and XXXX. Also, this debt was remove from all 3 credit agencies and reinsert by KLS Financial Services / XXXX XXXX XXXX XXXX XXXX XXXX without providing written notification according to 15 U.S Code 1681i - FCRA 611 ( a ) ( 5 ) ( B ) ( ii )
Consumer complaint received 2024-02-09
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: General Motors Financial Company, Inc. (CA)

On XX/XX/XXXX I went to purchase/lease a new XXXX from XXXX XXXX XXXX during the final negotiation i requested to not include certain items in the total price, at which time i was told multiple times, 'it can't be removed, it's already in the price and/or installed in the vehicle '. I went on to finalize the terms of the new lease, at a total price over $ XXXX assuming that to be true. XXXX of the items included in the transaction was 'lifetime ' oil changes, etc. I pulled up the printout of my agreement to find out how to go about using this option since my truck was due for an oil change. Other than the contract showing a charge for the oil changes, there was no information of the product, including what was actually purchased, how to use it, or even how to cancel it. Upon further review of the approx XXXX pages of documents given at time of purchase, i noticed that ALL the products i originally asked about at time of sale were all listed as 'optional'.. At no time was i told these could be removed. Since I understand i should have read the contract when signed, i figured i could just read the paperwork and learn how try and cancel. At that time i discovered that none of the items included in my new transaction came with any information as to XXXX ) What i bought XXXX ) How to use it XXXX ) How to cancel it. As a matter of fact, some of the items referenced pages and information that I was never given. There are even websites listed on the documentation that claim to have information on the items, which do not even work and just go back to the XXXX home page. 

I contacted the XXXX finance department in XXXX, and was promised a followup call, which never happened. In XXXX i contacted someone again stating my displeasure for being charged to items i didnt want, as well there being missing pages in my agreement that were supposed to include how to cancel these products. At that time, the finance manager ( XXXX XXXX told me the only way i could cancel was to go into the office and sign some papers, which i refused. After i told him this seemed illegal, he sent me a document for myself and my wife to sign and it would be processed. On XXXX, we signed the form which only allowed us to cancel XXXX of the items in question ( he said that only XXXX of the items in question could be cancelled ). As of today XX/XX/XXXX, i still have heard nothing from anyone, not have i seen any adjustment in my lease balance.
Consumer complaint received 2023-08-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (NC)

Cash App allowed someone to access my information and complete 347 unauthorized transactions totalling XXXX out of my XXXX XXXX account. I've submitted 2 claims with XXXX XXXX and they denied both. I've filed a claim with cash app and they literally hung up on me. They denied my claim through email. Starting in XXXX of XXXX  I had Sim card issues with my smart phone. XXXX XXXX stated I had a compromise Sim card and had to replace it. I totally believe this is why my information was compromise. When I notified Cash app of the tran, they sent me the wrong email information. I can not afford to walk away from this amount of money.
Consumer complaint received 2022-04-27
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. (CA)

THIS IS A DIRECT RESULT OF IDENTITY THEFT. THIS IS MY 1ST STEP PRIOR TO FILING A LAWSUIT AGAINST XXXX, XXXX, AND TRANS UNION FOR NOT BLOCKING INFORMATION THAT IS A RESULT OF IDENTITY THEFT.
Consumer complaint received 2019-01-03
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. (SC)

I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. I've reach out to the credit bureaus several times, but I was not successful as I've now learned that all the disputes and letters I've sent in were just verified electronically, or sent overseas for processing. I am wanting to block these fraudulent accounts from my credit report, they have don't so much harm, and cost me lots of money with the lenders that I now do business with. After consulting with my attorney and a mortgage broker, they informed me of my options in handling my situation.
Consumer complaint received 2019-09-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (SC)

XX/XX/2019 i was notified by loan care llc that i was behind on my payments. it was found that they went to XXXX. they said they were going to reverse the payments any apply them to their new loan number for me. 

As of XX/XX/2019 those funds still have not been applied, i've just been told it takes time ... i dont understand how after 3 months they still can not get the funds applied. i was told by a rep to send in my bank statements which i did on the website and still have not heard anything back. i was told that this would be resolved on XX/XX/2019 and it still hasnt.
Consumer complaint received 2023-07-26
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. (LA)

I advised Equifax that they were reporting an account ( XXXX XXXX with an incorrect balance They replied XX/XX/XXXX with still the incorrect information. The account is paid in full as per the attached statement.
Consumer complaint received 2019-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (WA)

The information regarding my employment with the XXXX XXXX XXXX ( XXXX ) is incorrect. I've been employed with the XXXX since XX/XX/XXXX. This information can be seen and verified on my Leave and Earnings Statement ( LES ) the Military equivalent of a pay stub. On my credit report recieved by XXXX it is listed that I have no Employment information and on my report received by XXXX it is reported that I have been employed by the XXXX since XX/XX/XXXX.
Consumer complaint received 2019-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

The information regarding my employment with the XXXX XXXX XXXX ( XXXX ) is incorrect. I've been employed with the XXXX since XX/XX/XXXX. This information can be seen and verified on my Leave and Earnings Statement ( LES ) the Military equivalent of a pay stub. On my credit report recieved by XXXX it is listed that I have no Employment information and on my report received by TransUnion it is reported that I have been employed by the XXXX since XX/XX/XXXX.
Consumer complaint received 2023-07-26
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. (GA)

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-01-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Transaction from XXXX on XX/XX/XXXX an online order for pickup was placed for {$170.00}, the item was for a car seat system. When I went to the store they tried to sell me a used item, I cancelled the order pick up and never received a return. Capital one stated XXXX said I made the online order and never sent them proof that I even picked up the order or returned the order. Capital one has refused to investiage any further and sided with XXXX. XXXX never gave me a return slip since I cancelled the pick up and I would receive an email. I do not have the car seat system and XXXX states the return was processed and capital one needs to return the money.
Consumer complaint received 2023-08-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : 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 2019-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Collections Acquisition Company, Inc. (CA)

I contacted XXXX from XXXX/Cybercollect back in XX/XX/2017 - At the time she was the manager of the dispute department. I was advised to send in copies of my bank statement at the time confirming debts were paid. 

I then followed up with XXXX after the fax was sent to ensure they were received. I was advised that the incorrect information would be rectified during the next cycle of reporting, or within 30 days. 

To date, these accounts are still showing up on my credit report every month. - Even worse, the debt collector changes the dates ( makes them appear more recent ) to allow them to continue to report them. 

When I asked the collector at XXXX/Cyber collect why the dates appear newer than what they are, she advised me that this is a practice that " allows them to continue reporting the debt '' - This is not FAIR, ACCURATE and frankly AGAINST the law. 

I am requesting that these damaging items be removed from all three credit reporting agencies. 

Respectfully, XXXX
Consumer complaint received 2021-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (OH)

Hi I been trying to lift my security freeze since XX/XX/XXXX and the representatives at the call center haven't been helpful at all. They tell me I havent passed any security questions and that the ID was all black when I sent it via fax which is a Lie. my fax shows me what they sent. They also wont help me with doing it online or over phone. This is affecting my ability to get credit The supervisor I spoke with is XXXX Operator ID XXXX
Consumer complaint received 2023-09-05
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE (CA)

Barclaycard randomly locked account without notice and asked for tax returns. Been a customer for nearly a decade. Never heard of this and this is a credit card with a rather low limit. 

Can not access online either to make payments, download statement, or review transactions.
Consumer complaint received 2021-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC (MI)

The Mortgage lates on my credit report should not be on there. 

I contacted the creditor due to COVID and they told me they would not report this on my credit report due to an agreement and being on unemployment from COVID. 


This makes me very unhappy, as I'm trying to re-finance my house to get a cheaper payment and this is making it very hard.
Consumer complaint received 2021-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Rocket Mortgage, LLC (GA)

Quicken Loans The UNAUTHORIZED HARD INQUIRY - MUST IMMEDIATELY NEED BE REMOVED FROM MY CREDIT IN ALL BUREAUS. 

Quicken Loans company ran hard inquiry on my credit in XX/XX/2020, further impacted my credit score. This hard inquiry is UNAUTHORIZED AND MUST BE REMOVED IMMEDIATELY.
Consumer complaint received 2023-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-07-14
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. (AL)

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.

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 inructions 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 2023-07-26
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)

My name is 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 2019-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ERC (TX)

It was reported on my credit that i owed XXXX XXXX XXXX XXXX dollars. it was reported on XX/XX/2018. The company XXXX XXXX has taken over the debt. i have since called the company between the dates of XX/XX/XXXX-XX/XX/XXXX can't remember exact date, but i called and asked if i paid off the debt will it be deleted off my credit report. i was told yes but i would have to pay in full. so i did pay in full and the money pulled out of my bank account on XX/XX/XXXX. i was then told by my credit fixing company that it shows paid but the company is still keeping it on my account. i called on XX/XX/XXXX and asked the enhanced company why is it not deleted off my account i was told they don't delete but they do show its paid in full and kept on the account. i then explained to them that's not what was originally told to me and in fact it was stated that my account would be cleared. i then told them due to this my credit score will remain in a negative light and i wasn't sure why if my account is cleared of the debt why can't it be deleted. again i was told they don't delete items off the accounts, they just say it was paid off.
Consumer complaint received 2019-01-02
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS) (TX)

i have contacted Chexsystems in regards to my consumer report. They are not investigating anything properly and are refusing to provide me with accurate information on my profile. I spoke with a guy names XXXX and i was told my consumer report was being wipe clean and there would not be any negative info on my profile. I called back a few days later and I was told something else by a different rep. They said they make there money by keeping things on consumer reports. Most of the individual that work for them are not American and rude and when i ask for an American rep the refuse to allow me the chance to speak with one. The are violated the fair credit reporting act. Can you please help. I even tried reaching a manager but no success.
Consumer complaint received 2019-01-16
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. (MS)

I just. Checked my free annual credit report and found that I have 2 active collections that are not mine. They are fron XX/XX/2018 and XX/XX/2018 from A Southeastern medical company. I have no idea who or where this is and did not receive any medical treatment during those months at all from anyone anywhere.