davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-25
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. (NV)

On XX/XX/2020 Cash App blocked my old debit card from being used without my permission. Not knowing this at this date and time, a {$20.00} cash transfer was loaded unto my card. The original card was lost and i asked for a replacement. Cash App sent a placement card and never loaded the {$20.00} and gave me an old card Cash Tag App name of XXXX XXXX it should had been XXXX  XXXX XXXX. 
The Cash App help team has access to the replacements cards and has emailed more than several times denying to return the {$20.00} to the owner or forward it back to me. 
Mr. XXXX XXXX is the CEO of the prepaid money transfer entity in XXXX XXXX, CA at XXXX XXXX XXXX XXXX XXXX XXXX The organization also goes by the name Square Cash Please help me get my {$20.00} from this origanzation ASAP
Consumer complaint received 2021-02-22
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. (SC)

I XXXX XXXX am a victim of identity theft and fraud. TRANSUNION IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY XXXX ATTEMPT WRITING TRANSUNION ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.
Consumer complaint received 2024-09-06
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. (FL)

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. 

Account Name : XXXX  XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX  XXXX Account Name : XXXX Account Name : XXXX  Account Name : XXXX and list of Inquiries. 

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 2021-02-22
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc. (CA)

I had made a purchase for {$1000.00} even on my credit card for a ring I had for my mom on XX/XX/2019, I returned the ring, and was supposed to get refunded the amount for the {$1000.00} even on XX/XX/2019. I have the receipt in hand stating that I bought the ring, and returned it for the full amount four days later but the credit card company is saying the sore never refunded my account, and the store which I made the purchase from says they did. Ive been trying to get this resolved but they just keep blaming each other sending me back and forth. Ive sent out emails to the credit card company about the receipt, Ive sent them the actual receipt through USPS and they havent done anything to resolve my problem. I dont want to pay for something I dont have at all. If you can please help.
Consumer complaint received 2020-01-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Block, Inc. (PA)

I used Square for my business needs with XXXX and they closed my account, after my account was closed my remaining balance was/is being held from me for 90 days starting the XX/XX/XXXX, I need this money horribly to survive. They have shady terms and the fact i could accept money but now they wont let me recieve my payment that i urgenty need put me in a position where i am scared for the next week on how i will pay rent for my family. This is a huge problem ive had with lots of companies dealing with bitcoin transactions, funny thing is these companies just have to let me process my payments and thats my ony wall i keep running into trynig to use these services. Im scared for the future because I made a mistaje using this service. This is unfair and inhumane. I dont deserve this. I cant get any help or even an email from support dealing with this matter i feel so hopeless and sick to my stomach over this. The phone line they have is a useless bot so ive taken action with you guys. Any help is greatly appreciated.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2021-02-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Stevens Business Service, Inc. (MA)

On XX/XX/2021 I disputed a claim for debt and requested validation of alleged debt with Steven 's Business Service located in XXXX Massachusetts. I requested they prove the statue of limitations has not expired on the account. I requested proof that Steven 's Business Service is authorized to collect in my state. I requested license numbers and registered agent contact information as they are incorporated. I requested copies of verifications that show I agreed to pay the alleged amount of debt. I requested 30 days to validate any information the Respondent should supply. I requested a cease and desist of reporting any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is. 
On XX/XX/2021 Steven 's Business Service responded with copies of medical billing statements. I did not ask for simple verification of the alleged debt, I asked for validation. I was not supplied with proper documents. I was not supplied with proof that the above respondent can collect in my state. I was not supplied with license numbers or registered Agent information. I was not supplied with proof that the statue of limitations has not expired. I was not supplied with verification of an agreement with any party to pay the alleged debt. Steven 's Business Service continues to verify and report invalidated information to the credit reporting repositories. 
I have proof that Steven 's Business Service is attempting to collect and reporting debt that is time barred according to Massachusetts General Laws on the statue of limitations. Furthermore the above Respondent is in violation of the Fair Debt Collections Practices Act. The alleged debt occured when my employer changed the employee benefits group insurance company. I was fully insured through my employer, however the medical office had incorrect billing information due to the employers change in carrier. I do not owe this alleged debt. The correct carrier was billed for this. This is duplicate and time barred alleged debt. I request that the incorrect information be removed from all credit reporting repositories, as it has no validation and is inaccurate. This is detrimental to my credit report. Please assist me in rectifying the inaccurate information and providing me with any proof of such.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I've disputed the incorrect Balance on XXXX XXXX  and provided proof this loan was paid off atleast 5 times to Trans Union,, XXXX and XXXX. All XXXX companies have not updated or removed the loan from my credit report and they do not have a live customer service representative that I can speak to. I've disputed the hard loan inquiries as I have not given the companies permission to check my credit and they should have deleted it from my credit. Again, I've provided and disputed the loan amount because it is incorrect and the balance I'd completely paid off to XXXX and XXXX XXXX.
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: EQUIFAX, INC. (CA)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this accounst under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$25.00}, XXXX XXXX XXXX Balance : {$7100.00}, XXXX XXXX, Balance : {$28000.00} XXXX OF SO XXXX XXXX, Balance : {$32000.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2021-02-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I called USAA credit card. Told them about the issue we have been having. Had the XXXX  with XXXX in XX/XX/2020, lost job in XX/XX/2020. 
I was paying and since Texas was affected by the winter storm, we didn't have any electricity for a week and it was during the time I needed to pay the payment. ( XXXX XXXX XXXX ) Dates Plus our bank account didn't have any money because, the unemployment is sending the money. Plus we were waiting for a check from our thrift fund. The social security wasn't there either. 
All I was asking for was a {$25.00} late fee. 
I really think USAA is messing with there customers. 

USAA says on the phone that they are willing to work with you if you are having a hardship. 
Well I even told that to them and they didn't care.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
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: EQUIFAX, INC. (CA)

I have disputed this account several times. It keep coming back unchanged. This account was included in my bankruptcy filed on XX/XX/XXXX and XXXX 0n XX/XX/XXXX. Case Number : XXXX. This creditor keeps reporting this account is a charge off and late on payment. If they keep reporting this way this account should be removed. or at least report the correct information. thank you
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing CFPB to formally request the removal of a debt associated with XXXX XXXX XXXX XXXX XXXX from my credit profile on XXXX and Equifax XXXX The account in question is being reported under the following details : XXXX - XXXX XXXX XXXX Account Number XXXX Debt Amount {$580.00} Equifax - XXXX XXXX  XXXX Debt amount {$580.00} Please be advised that XXXX XXXX XXXX, located at XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX, is not authorized to collect debts in the state of XXXX according to the information provided on the NMLS Consumer Access. As a result, this debt should not be legally enforceable within the state, and thus, should be removed from my credit report immediately. 

I request that you investigate this matter and remove the debt from my credit profile. If you require any further information from me, please do not hesitate to reach out at the contact details provided above. 

Thank you for your prompt attention to this matter. I look forward to your confirmation that this debt has been removed from my credit report. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-12-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (DE)

I received a " Cash.app '' card in the mail, totally unsolicited by me. The card came complete with an Account Number, expiration date, security code and my name. I have been unable to verify how to cancel this card with " Cash.app '' or with their parent company " Square , Inc ''. Their help # is XXXX, but has no customer service people to help. They point you to their website " Cash.app/help '' which is mainly for activation, adding money, etc. I have contacted the FTC and submitted an " Identity Theft Report ''. Shortly after receiving this card, I received an " XXXX XXXX Personal Savings '' new account information card listing a full account # for a " High Yield Savings Account '' which I had not requested. In the same mail was a letter from " XXXX XXXX XXXX XXXX  '' in XXXX XXXX XXXX, UT stating that an account had been opened in my name and they believed it was opened without my authorization, thus closing the account. They then went on stating the applicant had access to my name, address and SSA. I have filed an " Identity Theft Case '' with the FTC.
Consumer complaint received 2021-02-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (FL)

My complaint is regarding two companies known as Sequium Asset Solutions and XXXX XXXX XXXX. On XX/XX/XXXX I initially complained to the CFPB about XXXX XXXX XXXX placing the false account below on my credit file, When confronted by the CFPB, XXXX XXXX XXXX initially took the false account off my credit files, but they must have sold the false account to another company, Sequium Asset Solutions. This new company added {$1.00} to the balance of the false account and now put it again on my Credit files on XX/XX/XXXX. This is not my account and i will be pursing legal remedies against the above mentioned companies if they do delete this false account from my credit files and cease and desist from these activity in the future. 


SEQUIUM ASSET SOLUTION Original creditor : XXXX {$570.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney Paid off : 0 % Balance on XX/XX/XXXX Loan Amount {$570.00} {$570.00} I was a victim of identity theft and the account was proven to be not opened by me, and it was removed from all 3 credit credit reports in XXXX of XXXX. An identity Fraud alert has been placed on all my credit files yet the company tried now to use the another agency to place the same two accounts on my XXXX XXXX and XXXX credit files. This is not my account and i want it removed from my XXXX, XXXX and XXXX  Credit files permanently. Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney Paid off : 0 % Balance on XX/XX/XXXX Loan Amount {$570.00} {$570.00} Payment Info Original loan amount {$570.00} Balance {$570.00} Status date XX/XX/XXXX Additional info Comments - Your statements - Contact XXXX XXXX XXXX XXXX XXXX XXXX, TXXXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX.
Consumer complaint received 2021-02-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2021-02-23
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (FL)

In XX/XX/XXXX IC Systems Collections ( XXXX ) posted a notice of collection to my XX/XX/XXXX account stating that I was in collection for {$190.00} that they claimed as do to XX/XX/XXXX. I called and asked for back up information on the account and they just mailed me their invoice for the {$190.00} with no information on the origin of the debt. Then called XXXX to figure it out d try to resolve it. After several attempts to locate an account there on XX/XX/XXXX I spoke to a manager who after reviewing my file agreed that the charges were inaccurate ( they billed me for an additional month after I called to terminate service ) but claimed I owed them {$89.00} for a prorated amount that was declined by XXXX. The account was on autopay for nearly 2 years with no such incident, but I agreed t pay the {$89.00} in exchange for the promise that the collection agency would be notified, and the notice removed from my credit report. He agent informed me I could take as long as 30 days. The charge cleared my account on XX/XX/XXXX. In XX/XX/XXXX I was made aware that my XX/XX/XXXX credit report was not cleared of derogatory report. I called XXXX again on XX/XX/XXXX, and again was promised the situation was handled and that the collection agency has been informed that there is no unpaid debt to report. Since then, I have made 6 calls to XXXX with the last being XX/XX/XXXX after hearing XX/XX/XXXX had confirmed that IC Systems Collections confirmed the claim as valid on XX/XX/XXXX. The XXXX  agent confirmed that on XX/XX/XXXX the notice went to IC Systems Collections that the claim was not valid. The agent promised I would hear from someone with XXXX XXXX XXXX withing 48 hours. A week has passed, and XXXX has not contacted me by phone or by mail and to my knowledge has made no attempt to correct the situation.
Consumer complaint received 2021-02-23
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. (AR)

EQUIFAX MUST RE-DELETE XXXX BY XXXX ACCOUNT, THIS ACCOUNT WAS DELETED ONCE BEFORE AND WAS PAID IN FULL BY XXXX XXXX.
Consumer complaint received 2024-09-06
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. (TX)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Transunion XXXX XXXX XXXX XXXXXXXX XXXX XXXX To Whom It May Concern, I am writing to formally dispute information on my credit report under my rights provided by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( 5 ). The following account information is inaccurate and needs to be corrected or deleted : Creditor Name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date of Dispute : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Dispute : XX/XX/XXXX Nature of Dispute : Under the FCRA 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 

( A ) Reporting information with actual knowledge of errors 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 am disputing these 2 accounts on my credit report. These accounts are fraudulent accounts and I have no knowledge of me opening these accounts. This is against consumer law and ask that these fraudulent accounts be removed within 4 days after receiving this by FCRA Consumer Law. 

Sincerely, XXXX XXXX