davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

CFPB Statement I have discovered accounts and inquiries in my consumer report that are a consequence of identity theft. These entries are not associated with any transactions conducted by me. I have made attempts to reach out to the companies directly but have been unsuccessful. Enclosed, you will find the FTC report, my consumer statement, and documentation verifying my identity. 

What is a fair resolution? 

It is essential for the companies concerned to act justly and fairly towards me as a consumer by eliminating this erroneous information from my consumer report. 

I, XXXX XXXX XXXX, wish to formally report an incident of identity theft. It appears that an individual has unlawfully accessed my personal information, including my social security number, and has attempted to open multiple accounts in my name. Consequently, I have observed numerous unauthorized credit inquiries on my credit report. These inquiries originate from the following institutions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX All these inquiries are unauthorized, as I did not initiate any applications for these accounts or loans, and they should not be present in my credit report. 

XXXX XXXX XXXX
Consumer complaint received 2023-10-10
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. (NC)

SENT IN A LETTER VIA PRIORITY MAIL IN ATTEMPT TO REMOVE INQUIRIES THAT RESULT IN THE FORM OF IDENTITY THEFT. THE COMPANIES HAVE FAILED TO RESPOND OR ACKNOWLEDGE MY LETTER AND MY PHONE CALLS TO GET HELP REMOVING THESE INQUIRIES THAT ARE CAUSING ME DENIALS. THIS IS A VIOLATION OF MY RIGHTS PER FCRA. IF THESE ARE NOT REMOVED IN 30 DAYS I WILL PROCEED WITH ARBITRATION AND EXPECT TO BE COMPENSATED
Consumer complaint received 2024-08-15
Product: Credit reporting 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)

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 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 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2021-06-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc. (TX)

XX/XX/2021 to XX/XX/2021 I have multiple screen shots and bank statements that prove cash app or square inc took XXXX from my account over a month time frame.. which XXXX is unaccounted for according to their statements and my transactions. I have repeatedly tried to get ahold of someone since XX/XX/2021. I haven't had a response or even got to talk to someone. This isn't fair im going to school getting my bachelors in XXXX. I graduate next year I work hard for my money and don't bother anyone.. they shouldn't be allowed to take our money ... transactions to statements still doesn't add up.
Consumer complaint received 2021-06-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (IL)

As a merchant XXXX ), I processed a charge of XXXX through my credit card proccesor Square on XX/XX/2021 for services provided to XXXX XXXXOn XX/XX/2021, the charge was disputed by the customer, stating services not provided. Upon receipt of the customer 's dispute, Square deactivated my account. However asked for evidence to challenge the chargeback. I submitted support documents to establish services were provided ( promotion media, service agreement, emails, credit card authorization ). Square debited my bank XXXX. 
The customer submitted a copy of an email sent to her guest, advising the event was canceled due to low participation and their creditt cards would not be charged as her evidence. Yet failed to admit to her bank she was in fact the client not a guest.This fact should have been clear by the service agreement I provided. The chargeback was schelued to be determined XX/XX/2021. On XX/XX/2021, I received notification from Square the chargeback was decided in the customer 's favor, Not understanding how we lost the dispute, I requested Square to provide the case number and a copy of the challenge they presented to the customer 's bank. Square has advise they can not provide the information I requested. I personally believe Square didn't challenge the dispute and that is why it was decided in the customer 's favor. I want to file an arbitration with XXXX but I can't without the dispute case number that Square refuses to provide. If they acutaly challenged the disput, there isn't a valid reason not to provide the case number. This by all accounts is deceptive practice. Additionally, due to my account being deactived, I can not access Square by phone. 
I lost XXXX for their failure to honor their professional resposibility. I'm requesting your assistance to resolve this matter. I'm requesting Square to provide full disclosure respective to the dispute of XXXX ( merchant ) and XXXX XXXX ( customer ).
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2021-03-18
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Block, Inc. (IL)

I am trying to merge my old cash app with my new one so that I can access funds that were sent to my old cash app account I no longer have the phone number attached. I performed all of the steps that was listed under the cash app support options and still got no results. I called the XXXX number listed online for cash app and could not get a live operator on the phone and the automated system was very unhelpful. I also sent an email regarding this matter yesterday and was told that someone would get back to me a soon as possible but it has been 24 hours and no one has responded. My stimulus check was deposited into my cash app and I can not retrieve my funds that I desperately need access to and can not do so until Cash App can merge my account with my new one. Please fix this matter ASAP because it is a major inconvenience to me and my livelihood right now creating too much anxiety for me. You would think that they would have a more professional less stressful way of providing services to their customers.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2021-03-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (NY)

My stimulus payment was deposited into an account I did not recognize. WHen I reached out to the Irs  they gave me a bank institution name and acct and routing number. Unfamiliar with XXXX XXXX  I called the location to try and track down this account opened using an old address and my personal info. WHen I was able to reach someone they said it was a cash app account and that i had to contact co but that they did see the account as open. when I got ahold of someone at cashapp regaurding this myseterious account using my personal info and account info I was given I was told i could not have access because i did not have telephone number or email associated with that account, When I asked for them to close the account i was told they were not able to. even though i offered to give id and any other form of verification needed
Consumer complaint received 2021-02-04
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: Block, Inc. (TN)

On XX/XX/2020 @ approximately XXXX, my EIP was deposited into my cashapp account bringing my overall balance to {$610.00}. I went back into my cashapp account around XXXX to find that there was only {$85.00} Remaining in my account. I had not even left my house that day, let alone make any sizable purchases. I tried contacting cashapp numerous times through email, to no avail. They don't have a phone number that you can call. So its like someone took this money and I'm just out of my {$600.00} EIP. Any assistance you can give will be greatly appreciated.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX Account, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have experienced a devastating Identity Theft scenario for a near meaningless amount of money and now I can not buy a home because my credit has been decimated. There was an approximate {$700.00} 'loan ' taken out using my SSN. I am a XXXX XXXX XXXX XXXX XXXX XXXX and I'm trying to buy a home. TransUnion site WILL NOT allow me to add the associated police report to my dispute. I have attempted every means available to contact them. No phone numbers are listed. No email addresses. Only an online chat. The chat 'person ' stated i needed to delete my dispute and re-submit XXXX hours later. They WILL NOT allow me to add the police report. So I deleted my dispute, waited XXXX hours and STILL the system will not allow me to add a new dispute and WILL NOT allow me to add a police report. This is a massive deficiency and it's completely unacceptable. They seem to believe they can destroy someone's life with bad credit and then they take no responsibility in the form of customer care to fix deficiencies in their own system. This is unsatisfactory and should be illegal.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (PA)

Good Day I am writing to dispute an unauthorized/fruadlent inquiry on my Experian credit report. I retrieved a copy of my credit report from your organization on XX/XX/XXXX and noticed a credit inquiry that I did not authorize. 
i want file fruad alert on my credit since too, i didn't file or /apply for any credit line/card/loan XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX date XX/XX/XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX  XXXX. 
XXXX date XX/XX/XXXX XXXX XXXX XXXX date XX/XX/XXXXXXXX XXXX
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I am writing to address an issue on my credit report regarding late payments reported for XXXX, XXXX, and XXXX on my XXXX XXXX account ( Account Number : XXXX ). As someone who takes financial responsibilities very seriously, it is essential that my credit report reflects accurate and truthful information. 

I request a comprehensive investigation into these reported late payments. It is important that, before any updates are made to my account, I receive concrete proof of your findings. Additionally, I expect a detailed explanation of the verification process that was followed to determine the accuracy of these reports. Relying solely on assumptions or hearsay is unacceptable. 

I ask that these late payments be corrected immediately to reflect the accurate payment history. Ensuring the integrity of this information is of utmost importance to me. 

As me the person who credit file this is, is providing you with proof these need to be removed now
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

What Happened : I have repeatedly sent payments to XXXX for my account ending in XXXX via registered mail with USPS, and USPS has confirmed delivery to the address provided by XXXX. Despite this, XXXX continues to report my payments as late, which is inaccurate and in violation of my rights under the Fair Credit Reporting Act ( FCRA ). I have contacted XXXX customer service multiple times, where I was given different addresses for payment submission, yet XXXX either claims they have not received the payments or does not acknowledge receipt. 

In addition to these issues, I am opting out of having my credit card utilization reported to the credit bureaus. Despite my right to opt out, as provided under relevant privacy laws, XXXX has continued to report this information without my consent. Furthermore, I do not receive a monthly privacy statement from XXXX, which is required to inform me of my rights and options regarding the reporting of my personal information. 

Applicable Laws : XXXX  actions violate several federal laws and regulations : 15 U.S.C. 1681s2 ( a ) ( 1 ) ( A ) : This statute mandates that furnishers of information must report accurate information to credit reporting agencies. XXXX  continued reporting of my payments as late, despite confirmation of payment receipt, is a clear violation.

15 U.S.C. 1681e ( b ) : This requires credit reporting agencies to maintain reasonable procedures to ensure maximum possible accuracy in the information reported. XXXX failure to update the payment status accurately reflects non-compliance with this requirement.

12 CFR 1022.42 : This regulation demands accuracy in the information provided to consumer reporting agencies. XXXX inaccurate reporting of my payment status violates this regulation.

12 CFR Part 1016 ( Regulation P ) : This regulation governs the treatment of nonpublic personal information by financial institutions, requiring them to provide a privacy notice. XXXX has failed to provide me with a monthly privacy statement, which is required to allow me to opt out of certain types of information reporting. 
15 U.S.C. 6802 ( XXXX XXXX ) : This law requires financial institutions to provide customers with a privacy notice that explains their information-sharing practices and allows customers to opt out of certain types of information sharing. XXXX has not provided me with the required privacy notices, nor have they honored my right to opt out of reporting my credit card utilization. 
15 U.S.C. 1681n ( a ) : Under this statute, any entity that willfully fails to comply with the FCRA is liable for damages of at least {$1000.00} per violation. XXXX continuous misreporting of late payments, despite evidence of timely payment, and their failure to provide a privacy statement, constitute willful non-compliance.
Consumer complaint received 2021-01-17
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (AL)

My account was hacked on XX/XX/2021 and today XX/XX/2021 the same day that I got my refund for the first hacking incident. I have reached out to the company and asked why wasn't the refund and the account secured when they know the account as been hacked more than once within a few hours. I advised that it had to be someone within the company in order for it to happen the way that it did. They don't provide a phone number so that you can talk to someone you have to wait until they decide to email you back. I advised the company that is ministry money that was taken today and no one has responded to me. They emailed me and said I had to link my bank card in order for them to refund my money. Which makes no sense when the money was refunded without my card being linked. I have a cash app card so they wouldn't need my bank card to refund my money. One of Cashapp 's CSR emailed me and said " take it easy '' our team support will contact you case closed. I don't have a way to forward those emails to you. My account was hacked for {$170.00}. When I tried to send the first amount to my son in fear of being hacked Cashapp would not allow me to send it.
Consumer complaint received 2021-01-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (GA)

My cash app account was hacked back in XXXX. I was bit able to get assistance with that service request I submitted. I worked with my bank to move forward and created a new cash app profile. By this time, my only concern was that I purchased stocks via my old cash app profile. I emailed numerous times to get the stocks transferred to the new profile. Someone finally reached out last week to resolve that issue. Well they are providing me with instructions to transfer the stocks myself and the instructions are not working. I have reached out to the XXXX of XXXX, the VP of cash app and to no avail no resolution. Its not millions of dollars but I am a working class citizen and this is not acceptable.
Consumer complaint received 2024-09-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Pursuant 18 usc 8 code, I do not owe any debt to these companies an have written 5 letters to each credit agencies, they are violating my consumer rights to privacy, An I would like each account removed immediately please
Consumer complaint received 2021-01-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (FL)

Hello, I mistakenly sent {$710.00} to the wrong person on CashApp on XXXX. The person had the same name but one letter was off. After I realized the mistake, I immediately tried to cancel the transaction. Called CashApp and they told me transaction had already gone through and told me to request a refund from the wrongful recipient. I did, he denied my request and blocked me. CashApp told me I was out of luck. 

I have also disputed this transaction with my bank, XXXX XXXX. I called them while the transaction was still pending and they said to wait for the transaction to post and then file a dispute. I did, and a couple weeks later they send me a letter in the mail notifying me of a denied dispute.