davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-21
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (MA)

I opened my Revision Learning Square account in XX/XX/XXXX to continue invoicing customers under my new business. ( I was a sole proprietor before. ) After sending my first Revision Learning invoice for college admissions services, I decided to also open a Square Business Checking account and Square Business Savings account shortly after. On XX/XX/XXXX, I got an email from Square notifying me that my account had been suspended ( no reason specified ) and access to my funds had been locked. It linked the Square Payment Terms. The only reason that might fit was that my services are unsupported. This is confusing, as I provided more than $ XXXX of the same service this past fall without any issue. I also know of several other people who provide the same services without any issue. I wouldve been happy to provide additional context about these services if Square had reached out to me ; instead, they suspended my account without any warning. I reached out to Square multiple times in the past month for clarification and was repeatedly told to refer to the email ( which did not explicitly state the reason for suspension ). I was also told to only email, as phone calls are reserved for customers with an active account. However, whenever I email ( I've tried numerous times at this point ), I get a clearly copy and pasted response telling me to refer to the email on XX/XX/XXXX. I do not want to do business with Square moving forward. However, I am concerned about the $ XXXX of my business 's money that is locked in my Square account until XXXX. Most of this money was transferred into my Square Savings account and not even processed by Square. It is essential for me to have access to that money to continue running my newly-opened small business. Attached is a letter I sent to Square within the past month.
Consumer complaint received 2023-04-10
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: BARCLAYS BANK DELAWARE (MA)

XXXX XXXX XXXX XXXX  XX/XX/XXXX {$180.00} XX/XX/XXXX {$90.00} XX/XX/XXXX {$750.00} XX/XX/XXXX {$180.00} XX/XX/XXXX {$180.00} These were all disputes when the XXXX XXXX XXXX was cancelled XX/XX/XXXX, since the convention was cancelled the company did not provide services. 
The company also promised full refunds asap & now here we are FOUR months later still none - so therefore the credit card company should be working harder. 
I have attached the cancellation notice of the event & the responses to my disputes from Barclays who claim insufficient proof that the merchant has violated the invoice/contracts terms and conditions.
Consumer complaint received 2023-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have taken the necessary steps to address this issue by reporting the presence of false information. Being a victim of identity theft, I have experienced significant stress and financial hardship due to the inclusion of products that are not mine and for which I am not responsible. Failure to handle this complaint appropriately may result in legal action. These false and fraudulent entries on my consumer report have hindered my ability to afford my desired vehicle and support my family.
Consumer complaint received 2023-05-22
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. (TX)

Despite of my previous complaint, I am submitting this CFPB Complaint again to dispute the accuracy of my credit report. As I reviewed my credit file there are still inaccurate items that are still continue reporting on my file. I am asking for your assistance in removing charge off accounts from my credit file. These accounts have been reported inaccurately, which is negatively impacting my credit score and financial well-being. Despite my attempts to resolve the issue with the creditors, the charge off accounts remain on my credit report. Kindly remove the following items : XXXX XXXX Balance Owed : {$0.00} - This company has illegally re-aged this account. Please investigate thoroughly and delete for lawful accuracy ; XXXX XXXX Balance Owed : {$0.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately ; XXXX XXXX Balance Owed : {$0.00} - The limit to this account was a fraction of the amount due it was stating. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER. ; XXXX XXXX Balance Owed : {$0.00} - I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor do I believe one exists. Please provide me verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it.
Consumer complaint received 2023-05-22
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. (CT)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXXXXXX Balance Owed : {$0.00}.
Consumer complaint received 2023-05-22
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-22
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. (CT)

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, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$1100.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; XXXX XXXX XXXX XX/XX/XXXX. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-05-22
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)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX , FL XXXX, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XX/XX/XXXX , XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-05-22
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)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2023, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2023-05-22
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2023-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MA)

XXXX, XXXX, 2023 my first name was changed by someone without my knowledge on my Equifax credit report and now I'm starting to receive lots of credit card offers in the mail under this name. 

Also XX/XX/2023 someone lifted my credit freeze and fraud-alert on my Equifax report Also XX/XX/2023 someone again lifted my credit freeze and fraud-alert on my Equifax report. 

I'm the victim of Identity theft. Equifax allowed someone to change my first name and also allowed them to lift my security freeze and fraud alert.
Consumer complaint received 2023-07-01
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: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Please see the attached supporting documentation. 

You will see all of the communications between me and the merchant. The parent company is named XXXX. They also do business under " XXXX XXXX '' and " XXXX. They provide skip tracing batch services. 

I am supposed to be able to send them a company name along with the last known city and address and with that information they are supposed to provide me with XXXX CORPORATE OFFICERS! but they have only provided me with ONE. 

I did not receive the services that I paid for and my mail campaign is useless. 

I am disputing this charge along with 2 other charges on my account ( {$300.00}, {$540.00} and {$1000.00} ). They have never provided the information that I paid for. From the very beginning of our business relationship they have never got my billing correct. I have no idea what they are even charging me. I am supposed to be charged {$700.00} per month for the services and every month I have been over charged.That is why I received refunds of {$380.00} and {$360.00} on XX/XX/XXXX. Theyrefunded me for overcharges. I want to make clear that I have no idea what these charges are. They just make them up and run it on my card. 

Because of their failure to provide the services I have requested termination of our business relationship and blocked future charges. They keep trying to run charges though. Some have been denied but they continue to try. 

I requested that you refund these charges as soon as possible.I have not received any provisional credit. 

I was told I would be sent documentation for all 3 claims.. To date I have only received : Case ID # XXXX ( {$540.00} ) on XXXX XXXX. 
Case ID # XXXX ( {$300.00} ) on XX/XX/XXXX I have not received any documentation for Case ID # XXXX {$1000.00} so that I can dispute it. 

This is a business card in the name of XXXXXXXX XXXX XXXX of which I am the sole officer.
Consumer complaint received 2023-07-01
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: BARCLAYS BANK DELAWARE (VA)

I made a purchase through XXXX for a XXXX XXXX trip in XX/XX/2023, this was charged on my Barclay Aviator Mastercard - XXXX. 
- The flight was cancelled on XXXX XXXX and I requested a refund via XXXX for {$430.00}. 
- XXXX declined to refund so I filed a complaint with Aviator Mastercard to dispute charge on XXXX - XXXX XXXX has refunded XXXX for this purchase on XXXX - XXXX XXXX XXXX Consumer Affairs notified me of event on XXXX and this communication sent to XXXX  - Another dispute sent to Aviator Mastercard o n XXXX - 3rd dispute sent on XXXX after Aviator Mastercard said they did not received documentation - XXXX states Aviator Mastercard is not helping facilitate the refund - XXXXXXXX Aviator Mastercard letter stated 'despite their best efforts they are unable to obtain credit from XXXX I sent all documentation ( XXXX pages ) to XXXXXXXX XXXX XXXX  and Aviator Mastercard . I request this charge to be refunded in its entirety for {$430.00} and XXXX and Mastercard can resolve amongst themselves.
Consumer complaint received 2023-05-22
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. (TX)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-05-22
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. (MD)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The following items are listed below : XXXX XXXX XXXX XXXX XXXX Balance : {$2800.00}, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-04-10
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. (NJ)

Issue # 1. Insufficent Investigation Violation of FCRA : Unfair ( A proper investigation would have revealed that it was not my account ). 

XX/XX/XXXX After a review of my credit report, I discovered that a XXXX XXXX account was opened fraudulently without my authorization. At that time. I filled out a police report and FTC Identity Theft Victims Complaint and Affidavit. ( See both attached reports ). 
After another review of my recent credit report, I noticed that this fraudulent account is still on my credit report and unfairly negatively impacting my credit score. 

XX/XX/XXXX I wrote a letter to TransUnion requesting that they validate and investigate this account because it is not mine. ( See attached report ). 

XX/XX/XXXX TransUnion sent me back a correspondence indicating that above referenced account had been validated. How can this be when I never authorized or submitted an application for this account or card. TransUnion did not provide me with any documentation or contract with my signature on it requesting to open an account, or any other documents that prove I opened this account. ( See attached letter ). 

In my letter XX/XX/XXXX letter to TransUnion I specifically asked to see confirmation of a contract with my signature authorizing this account to be opened by me. TransUnion wrote letter back to me on stated that their investigation was verified without any information or documentation as requested by me. 

My respectful request is that CFPB assist me in having this XXXX XXXX deleted from all three major credit bureaus because I did not open or give permission to anyone to open this account in my name. I am a victim of identity theft. This account is further victimizing me as is negatively impacting my credit score. 

Issue # 2 Inaccurate and Incomplete Information on Credit Report Violation of FCRA A review of my credit report reviews that it is inaccurate in the following areas for the XXXX  XXXX account which is attached hereto : ( See page # 14 of attached credit report ) 1. Date Opened- TransUnion XXXX XXXX and XXXX all have different dates opened reporting 2. High Credit-TransUnion, XXXX and XXXX all have different high credit amounts reporting 3. Last Date Reported-TransUnion, XXXX and XXXX all have different last date reporting 4. Date Last Active- TransUnion , XXXX and XXXX XXXX have different date last active reporting 5. Date of Last Payment- TransUnion and XXXX have a different date of last payment reporting than XXXX XXXX. 

Accordingly, Pursuant FCRA, I am respectfully requesting that this account be deleted from TransUnion, XXXX and XXXX Thank you ***All reports mentioned are were uploaded to this portal
Consumer complaint received 2023-05-22
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. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-04-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.