davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (AL)

On XX/XX/XXXX, I was notified via push notification from the CashApp app that I had been charged {$180.00} from a XXXX store in XXXX, CA ( XXXX ). I immediately reported my card stolen so the compromised card could be deactivated, and I could receive a new card number, changed my PIN, and contacted support. I was initially told there was nothing CashApp could do, and they refused to file a dispute. After reaching support by phone, the associate apologized and allowed me to file a dispute. I received an email asking some questions, which I quickly answered and havent received any follow up as of XX/XX/XXXX, despite being told resolution could take up to 10 days. 

On XX/XX/XXXX, while still waiting for my new Cash Card to arrive in the mail, I received 2 push notifications that I had been charged {$60.00}, and {$180.00} in 2 separate transactions at a XXXX store in XXXX, CA ( XXXX ). I immediately contacted support again, and since the charges were still pending at this time, I was told to reach out to the merchant, which I did. XXXX told me to contact my card issuer. After the charges completed, I was then able to file another dispute. 

All transactions occurred in California, while I live in Alabama, and was in Alabama at the time all transactions took place. I was still in physical possession of the card at the time all transactions took place. At the time of the 2nd and 3rd transactions, I still had not even received my replacement card and had changed my pin number. I also have all security features made available to me by CashApp enabled and activated. 

I followed all steps as described at : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-28
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: JPMORGAN CHASE & CO. (AZ)

I have an inquiry and a declined letter for a credit card from Chase. Inquiry was on XX/XX/. The letter received showed my maiden name XXXX which I have not used in over 10 years. I recently filed for bankruptcy and have not applied for any credit accounts. I placed a fraud alert with XXXX and will place with the other credit bureaus.
Consumer complaint received 2024-08-23
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. (SC)

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

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Consumer complaint received 2024-10-06
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: EQUIFAX, INC. (NC)

Additionally, upon your having corrected my credit report, please provide a copy of the same to all creditors who have received my report within the last six months. Please also provide the corrected report to all requestors who received my report for employment purposes within the past 2 years as required by Section 1681i ( d ), which requires you to, " furnish notification that the item has been deleted or the statement, codification or summary pursuant to subsection ( b ) or ( c ) of this section to any person specifically designated by the consumer who has within two years prior thereto received a consumer report for employment purposes, or within six months prior thereto received a consumer report for any other purpose, which contained the deleted or disputed information. ''
Consumer complaint received 2024-10-11
Product: Credit reporting 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. (CA)

To Whom It May Concern, I am writing to formally demand the immediate removal of several hard inquiries listed on my credit report. These inquiries are inaccurate and were not authorized by me, and they are negatively impacting my credit score : Inquiry from XXXX XXXX on XX/XX/year>. I never authorized this lender to make a hard inquiry on my credit report. 

Inquiry from XXXX XXXX on XX/XX/year>. There are multiple inquiries within one day of each other on my credit report, but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 

Inquiry from XXXX XXXX on XX/XX/year>. There are multiple inquiries within one day of each other on my credit report, but I only authorized one of them. Please remove all these unauthorized inquiries immediately. 

Inquiry from XXXX XXXXXXXX on XX/XX/year>. 
My credit report shows multiple inquiries all within one day of each other, but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 

Inquiry from XXXX XXXX XXXX on XX/XX/year>. 
My credit report shows multiple inquiries all within one day of each other, but I only authorized XXXX of them. Please remove all of these unauthorized inquiries immediately. 

Inquiry from XXXX XXXX XXXX XXXX on XX/XX/year>. 
My credit report shows multiple inquiries all within XXXX day of each other, but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 

Inquiry from XXXX XXXX XXXX XX/XX/year>. 
I am a victim of identity theft, and I never authorized this inquiry. 


Under the Fair Credit Reporting Act, I have the right to dispute any incorrect or unverifiable information. I have already initiated this process through your online portal, but the lack of timely action is unacceptable. I expect you to act promptly.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2024-10-11
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. (IL)

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will
result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs. Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Consumer complaint received 2023-07-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (SC)

I recently pulled my credit report to find that LVNV Funding is listed as a collection with all 3 bureaus and has been reporting this debt since XX/XX/2021. I haven't received any paperwork or phone calls from this company regarding any balance owed or to advise of what this debt is for. This was placed on my credit reports without notification and has been there for over two years ruining my score when I was not made aware of the debt.
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XX/XX/year> Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made.

Enclosed is a copy of my identification to verify my identity.

I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XXXXXX/XX/year> Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made.

Enclosed is a copy of my identification to verify my identity.

I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am contacting you to formally dispute the late payments that have been inaccurately reported on my credit report. Specifically, the following late payments : XXXX  XXXX XX/XX/year> XXXX  XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These entries are in violation of 15 USC 1681 ( a ), which mandates the accuracy and fairness of credit reporting. XXXX XXXX XXXX XXXX XXXX XXXX I am protected under 15 USC 1681c-1 , which ensures that special protections are given to individuals XXXX XXXX XXXX including the prevention of errors in credit reporting. 

I have attached documentation XXXX XXXX XXXX XXXX XXXX during the time these late payments were reported. Therefore, these entries should not have appeared on my credit report, and I request immediate removal of these inaccuracies. 

Please investigate this matter and confirm the correction as soon as possible. 

Thank you for your time and attention to this urgent issue.
Consumer complaint received 2023-05-02
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (GA)

There was three different XXXX XXXX out of my savings account by XXXX  from a person by the name of XXXX XXXX ID ( XXXX ) Wells Fargo denied my claim knowing it was fraudulent my name is XXXX XXXX. 

Wells Fargo Svg XXXX XX/XX/2022 : Payment Amount : {$3100.00} XX/XX/XXXX  : Payment Amount : {$1900.00} XX/XX/XXXX  : Payment Amount : {$2100.00} Filed a dispute and it was denied after that I did not get a reason why I provided all necessary information two weeks after the denial THEY CLOSED MY ACCOUNT
Consumer complaint received 2024-10-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The account stating on my transunion as XXXXXXXX XXXX XXXX XXXX  and XXXX as XXXX for {$4900.00} and an account from. XXXX XXXX saying XX/XX/year> I have asked multiple times for verification of accuracy of these accounts and nothing has been done yet and it is having a very negative impact on my life I demand this be removed pursuant to my rights under FCRA
Consumer complaint received 2021-08-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (FL)

I was scammed out of XXXX on cash app on XXXX XXXX I've reached out several times and literally saw someone controlling my phone to get my money and switched to XXXX .I tried decline and dispute with no help at all .I even got on my home computer to alert customer support on XXXX and cash app .it was an allegde.paypal rep who did it. 
I filed a police report and have an active case with a detective handling it. 
At this point I'll be without ligjts, water, insurance and phone service by next week with no help of getting my money returned .I really think its an inside job with whomever works for cash app or owner to scam people out of money when they can, if they are a so called bank or etc they can clearly see what happened
Consumer complaint received 2021-07-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc. (FL)

On XX/XX/XXXX I used Cash App to send money that I cash advanced from my XXXX credit card. I disputed the transaction with XXXX on XX/XX/XXXX and then quickly cancelled the dispute 10 min later because I saw the account the money went into. ( I originally thought it went to a different bank account ). XXXX told me they cancelled it. Apparently XXXX contacted Cash App but did not cancel the dispute with them. Cash App took the money out of the account I sent it to and took it out of the bank account it went to. Cash App sent notices on my account that read they were going to credit back the card issuing bank ( XXXX ) on XX/XX/XXXX but never did. I have been calling, texting customer support and emailing but they still have my {$590.00}. None of the various phone numbers listed for Cash App let you talk to a live person. They are recordings that tell you to email or do a live chat with a representative. I have contacted XXXX and the bank it went into and then pulled back out of and they both tell me I have to contact Cash App because they told me they would credit back the XXXX card, which they have not. Please contact a higher level of management and help me get my money back. Thank you.
Consumer complaint received 2021-08-01
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Block, Inc. (NC)

My name is XXXX XXXX. I am a square user and opened a business in my house for mini drinks and retailing known as " XXXX XXXX XXXX XXXX '' I process one payment with square and square needed information about my business. I sent them my ID card and other document but I have not gotten a response and it has been weeks. 

I need square to tell me when I will be able to withdraw my money. 

If they have deactivated my account, they need to tell me when I will be able to withdraw my funds. 

The email address associated with my square account is XXXX XXXX
Consumer complaint received 2021-07-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (NY)

I used Cash App to pay {$1000.00} for a service for my business, but the employee didnt complete the service and disappeared. I contacted Cash App support and they rudly refused to investigate or even learn more about my situation. They did not solve my case or do anything about it.
Consumer complaint received 2024-08-09
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. (PA)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-07-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc. (IN)

On XX/XX/XXXX I Transferred {$150.00} From Is my cash app account to my chime Account. The funds were never received to XXXX XXXX account. And the funds never went back to my cash app account. I've inquired everyday everyday to cash app And to the bank that governs them which is Square ink. But no one will help me get my money return to me. I was told by cash app manager she just forget about it and don't worry about it there's nothing I can do. I told him he can not steal my {$150.00} it has to be returned to me. I asked for a receipt I got one but it makes no sense which I will attach that For you also. They Wanted chime to trace it but they can not trace something that never got to them. Please help me get my {$150.00} back this is just ridiculous.