davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-11
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. (CA)

TRANSUNION continues to violate my federally protected right to ensure an accurate credit report per Dodd Frank Act, FCRA, California Consumer Protection laws, UDAAP, and United States Codes.

15 USC 1681e ( b ) which states that credit reporting agencies are to ensure an ACCURATE credit report. TRANSUNION prevented me from disputing inaccurate balances on the following accounts : 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  These accounts DO NOT include the correct XXXX XXXX XXXX XXXX XXXX TRANSUNION continues to negligently and recklessly report inaccurate account balances on my credit report. TRANSUNION refused to allow me to dispute these accounts online to ensure that these disputes were entered into the e-Oscar and metro2 systems. TRANSUNION has lowered my FICO credit score which has caused me damages by being denied credit that I may have otherwise qualified for had these inaccuracies not negatively impacted my FICO credit score. TRANSUNION continues to put me at risk of FURTHER exploitation and victimization by refusing to sufficiently investigating these inaccuracies on my credit report. TRANSUNION continues to send ARTIFICIAL INTELLIGENCE ( AI ) generated responses to my complaints and FAIL TO ADEQUATELY address and correct credit inaccuracies on my credit report AND in my credit file causing me damages and preventing me from obtaining sufficient credit approvals with potential credit offering companies which I need to gain access to an improved quality of life and livelihood. TRANSUNION 's has violated the Privacy Act of 1974, Regulation V, and the Trafficking Victims Protection Act ( TVPA ) by continuing to report inaccurate and nonmailable addresses on my credit report and credit file. TRANSUNION is also in violation of 15 USC 1681a ( 2 ) ( A ) ( i ) which states the exclusions to the consumer credit report and states in part that transaction history and experiences are to be excluded from the consumer credit report which TRANSUNION continues to refuse to do. I sent TRANSUNION no less than FOUR ( 4 ) letters and called approximately FIVE ( 5 ) times to have the inaccurate and nonmailable addresses removed, yet TRANSUNION refuses to comply. TRANSUNION would not provide the specific documentation of federal law that allows them to continue to report these inaccuracies and the process TRANSUNION uses to justify their inaction. TRANSUNION refuses to produce such documentation. Thus, TRANSUNION negligently and recklessly persists in exposing me to further exploitation and harm by continuing in their practices in further violation of the Acts, laws, codes and regulations to protect consumers from these negative practices.
Consumer complaint received 2019-11-26
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (MD)

I need help with PNC, I called to ask for the fees to be removed. I was asking for them to remove 70 % of the fees, and I would pay the rest. I don't want to be owing to the bank, they closed my last account and this is the only account I have left. The fees are way too high.
Consumer complaint received 2023-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BANKMOBILE TECHNOLOGIES, INC (CA)

On XX/XX/2023 I returned a rental car ( supposed to be charged at a compact rate ) to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX. I rented a car on XX/XX/2023 ( XXXX ) and had to return it on XX/XX/2023 for mechanical problems and I was given a XXXX. I was charged {$2400.00} ( approximately double what I owed ) on my XXXX XXXX XXXX. I bank with my student bank account XXXX XXXX and at the time, I had a - {$8.00} in my checking account. My Mastercard debit/credit card is linked to my checking account. On XX/XX/2023, I called and asked why the unauthorized charge of {$2400.00} was on my account when I had a negative balance and there is no overdraft connected or even possible with the account. I was told that because I had a positive balance ( which I did not, I had a balance of - {$8.00} that the {$2400.00} was charged to my account ). 
I have called a couple of other times because each time I called, I was given a different answer. Finally, on XX/XX/2023, I went online and filed a dispute with XXXX XXXX. 
This drastically affects any college monies that I will/may receive in the future. I do not understand why XXXX  would allow a transaction when there was no monies there at the time of the transaction.
Consumer complaint received 2023-04-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/2023 Chase bank called me from a local branch and told me they were sending me a new card because there had been attempted fraud on my checking account. 

On XX/XX/2023, I called Chase to ask when to expect the card to arrive I found out it had been delivered and that it had been sent to another address. I then checked my account activity and all but {$.00} of my funds had been withdrawn at a Chase ATM, a total of {$2500.00}. 
I promptly filed a claim with the bank fraud department. 

On XX/XX/2023, I received an update on claim stating that : " We found that the transaction ( s ) was processed according to the information you provided or was authorized " No adjustment will be made to your account at this time '' " Contact us if you would like to request the information we used for our research '' I promptly contacted the Customer Claims Department and was informed that the pin used on the account was correct. I told them I was called by someone at a local branch and it was probably a Chase employee at the branch. I also asked why my card was sent to an address other than mine because they had told me a Chase employee could not change the address a card it sent to. The rep told me that I had called and requested it to be sent there. I did not do this! 

I am distraught and shocked at the lack of professionalism I received when talking to the Claims Department employees, including a supervisor in the department. 

I need assistance resolving this claim please. 

Thank you!
Consumer complaint received 2023-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Everi Payments Inc. (TX)

The company involved XXXX XXXX XXXX XXXX located at XXXX XXXXMy main complaint is cash withdrawal fees.The fee that was supposedly charged was {$4.00} but when I got my statement on XX/XX/XXXX & XXXX XXXX the charged me extra fees of {$2.00} five times for each withdrawal. I made 3 withdrawal which come out to {$35.00} extra charged without me making a balance inquiry 15 times.I contacted my bank but he are unable to reverse charges.Everi is the name of the ATM machine which is run by XXXX XXXXI think this ATM exist in all casinos in Oklahoma, Louisiana & Mississippi.I did try to contact the company online but never got any response.This charges never existed before but I was wondering if it is common business practice.
Consumer complaint received 2023-05-01
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. Iresearched how to remove the fraudulent items in my report and found that I need to visitFEDERAL XXXX XXXX or https : //www.ftc.gov to file a report Per FCRA section605b Credit Reporting Agencies are required to remove/block any items listed on an idtheft report. Please find the ATTACHED documents to assist in blocking the erroneousinformation which is being posted to my report. Here is the list of items that do not belongto me or were opened without my permission. XXXX XXXX XXXX  XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX  CA XXXX ; XXXX Inquired on XX/XX/2022.
Consumer complaint received 2021-09-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc. (CA)

So on Saturday XX/XX/2021 at approximately XXXX am to XXXX I was doing online shopping on my XXXX XXXX app on my phone. I had added everything I decided purchase, and completed my order using my cash card from Cash App. I had already added their offered boost of {$100.00} off any purchase anywhere onto my cash card, specifically for this purchase, as I usually have big orders when ordering from this company. My grand total was {$150.00} and right away I had a notification pop up letting me know that the boost had saved me {$100.00} off my total purchase, and the initial charge was {$56.00} to my cash card. So the next day I go to transfer $ from my Cash App to my online games, and it said insufficient funds, so I checked my balance and activity, and all of a sudden, the {$100.00} was gone and the total purchase price went to {$130.00} so I contacted Cash App support. And it has been a nightmare since. Every time I send a message, a new agent joins and obviously doesnt read anything from the previous interactions. They keep giving me the run around, telling me that I didnt have the boost on my card, when I know XXXX well that I did. I have screenshots of all of my interactions with their support team agents, and I also have a downloaded PDF document of my transaction history with Cash App. And if you look at my statement, it clearly shows that I had some sort of boost on my cash card when I made the original transaction, because it shows a cash boost refund to my cash card. I literally am about to lose my mind with them. Theyre rude, they dont do their job, and this is now going to be a second time that Im being screwed by them. I just want them to stand by their advertisements about the boost. I want my {$100.00} back, I was saving that for dog food, and other necessary household items.
Consumer complaint received 2023-05-01
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. Iresearched how to remove the fraudulent items in my report and found that I need to visitFEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section605b Credit Reporting Agencies are required to remove/block any items listed on an idtheft report. Please find the ATTACHED documents to assist in blocking the erroneousinformation which is being posted to my report. Here is the list of items that do not belongto me or were opened without my permission. XXXXXXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX  Inquired on XX/XX/2022.
Consumer complaint received 2021-09-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (TX)

My wife 's Cash App account was hacked. Noticed that there was XXXX w/d from her Cash App that was linked to her debit card and ultimately our checking account. I reported the fraud to XXXX XXXX XXXX immediately and my wife reported the fraud to Cash App right away -- same day. Both parties initiated a " dispute '' but months after, I get notification from both parties that they have denied our claim. We have no idea who the money went to, did not participate in the transaction, did not allow anyone access or use of the Cash App account and we did not benefit from the transaction. I tried re-opening the case with XXXX XXXX XXXX and I was denied. I even provided all the screenshots that requested showing I was working with Cash App to resolve and listed on my fax to them that this was complete unauthorized fraud. XXXX XXXX XXXX and Cash App still refuse to assist me. This has been going on for months. XXXX XXXX XXXX  reversed provisional credit on XX/XX/2021 and then closed the case again on XX/XX/2021. Both times they closed it for this reason, which is complete false. 

As you requested, we completed a re-evaluation of your claim. Our research included the information you provided with your claim, your account history and/or the monthly account statements we sent you. We made this decision because : **The charge was authorized by you or by someone who has permission to use the card or account. If we used documents to resolve your claim, we've included them with this letter. If you have additional information to support your claim, we request that you send it to us in the next 10 business days so we may reopen it. 

They will not allow you to reply. You have to call a 877 # that takes an eternity to reach someone. I did once and they asked me to fax proof and I did. Now, I can not reach them by phone as the hold times are so long. 

This dispute began back on XX/XX/2021. I reported the fraud the very day the transactions were trying to come through. We were very prompt and complied with all their requests to resolve. 

Cash App will not assist and say they are working with our bank. They are not. We attempted to dispute with them also and they do not have anyone you can call. You have to go back and forth for days via email. They are denying the claim without an accurate reason as well and will not assist. 

XXXX was stolen from me via Cash App in the amounts of ; XXXX, XXXX, XXXX, XXXX, XXXX I need help with this dispute on either company 's behalf.
Consumer complaint received 2023-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I am writing to formally dispute the accuracy of information on my credit report, specifically regarding the reporting of late open accounts. I have carefully reviewed my credit report from your agency and have identified discrepancies that I believe require immediate attention and correction. I have outlined the details of the disputed information along with an explanation of the inaccuracies : the late payment reported on the above-mentioned account is incorrect. I have diligently made all payments on time as per the terms and conditions of the agreement with the creditor. I have enclosed copies of my bank statements, payment receipts, and any other supporting documentation to substantiate my claim. I kindly request that you investigate this matter promptly and correct the inaccuracies on my credit report as required by the Fair Credit Reporting Act. Please provide me with a written confirmation of the correction once the investigation is complete. I understand that, according to the Fair Credit Reporting Act, you are required to investigate this dispute within 30 days and inform me of the results. I expect your prompt attention to this matter and a swift resolution. These are the accouts that I want to be corrected : XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$270.00}.
Consumer complaint received 2021-09-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (MD)

My cash app account was hacked on XX/XX/XXXX and {$700.00} was stolen from my account. The company dismissed my claim but it was their application that was hacked. They claimed that a known device was used to transfer money from to other people before so that is why they think this transaction is authorized. My phone was stolen on XX/XX/XXXX and I have transferred using cash app since then from a new device so shouldn't their same rationale be applied and they should have questioned transactions from 2 separate devices? THEIR SECURITY IS LACKING AND THEY SIMPLY DO NOT WANT TO BE ACCOUNTABLE. 

I provided cash app with the usernames of the people wo stole my money but they refused to approve my claim or find my money.
Consumer complaint received 2023-04-30
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. (DE)

CFPB Write up n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DELAWARE XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX GA XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

I demand the following accounts be verified or removed immediately. 

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 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 XXXXXXXX XXXX XXXX XXXX Please remove all non-account holding inquiries over 30 days old. 

* Please add a Promotional Suppression to my credit file. 


Thank You, XXXX XXXX IN WITNESS WHEREOF, the said party has signed and sealed these presents the day and year first above written.

Signed, sealed and delivered in the presence of : XXXX XXXX STATE OF COUNTY OF I HEREBY CERTIFY that on this day before me, an officer duly qualified to take acknowledgments, personally appeared XXXX XXXX, who is personally known to me or who has produced _____________________________________________ as identification and who executed the foregoing instrument and he/she acknowledged before me that he/she executed the same. 
WITNESS my hand and official seal in the County and State aforesaid this XXXX day of XXXX 2023. 



___________________________________ Notary Public Printeod Name : XXXX XXXX
Consumer complaint received 2023-03-21
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. (CA)

Credit cards & accounts have passed the statute of reporting. I put in disputes with XXXX, XXXX, & TransUnion but the accounts still remain without explanation. Cards in question & dates closed. 
# XXXX XXXX XXXX XX/XX/2018 # XXXX XXXX closed XX/XX/2018 # XXXX XXXX XXXX closed XX/XX/2018 # XXXX XXXX XXXX closed XX/XX/2018 XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX
Consumer complaint received 2023-08-11
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)

Dear TransUnion, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXXXXXX
Consumer complaint received 2023-03-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing this letter because I am very concerned. I recently updated some information on my credit file with TransUnion and XXXX during the months of XXXX and XX/XX/XXXX. 

Now 2 weeks later, there are HARD INQUIRIES on my file for both credit reporting agencies : 1. TransUnion a. XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I filed an Identify Theft Report # XXXX on XX/XX/XXXX, which is attached. I also called both CRAs to have this information removed and they have not removed it yet. 

I DO NOT have a State ID or License, my passport is attached.
Consumer complaint received 2023-07-06
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. (TX)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected privacy, and confidentiality under the 15 USC 1681. 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, 15 USC 1681 section 602 A states I have the right to privacy. 15 USC section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written consent. 15 USC 1681 C ( A ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following information, or any other adverse information, other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 1681S-2 ( A ) ( 1 ) states 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. I have also been effected by the Equifax XXXX XXXX and have filed a complaint as well.