davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-03
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)

On my TransUnion credit report, there is an entry for a XXXX  XXXX bankruptcy filed on XX/XX/XXXX, which shows a {$0.00} balance and discharged status. However, I believe this entry contains inaccuracies or outdated information that need to be investigated. Specifically, the filing details, court records, asset amounts, and discharge date may not be correctly reflected on my report. Under 15 U.S.C. 1681i, I request an immediate investigation of the accuracy of this bankruptcy. If TransUnion can not verify all aspects of this bankruptcy filing, I request that it be removed. Additionally, this entry is significantly harming my ability to recover financially, as it is negatively impacting my creditworthiness despite the steps I have taken since the filing. This inaccurate entry, along with multiple unauthorized inquiries resulting from identity theftsuch as inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  to be removed. I have attached the FTC Identity Theft Report and a police report to support my identity theft claim. I request the immediate removal of the bankruptcy and the unauthorized inquiries from my credit report in compliance with the Fair Credit Reporting Act.
Consumer complaint received 2024-10-03
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. (GA)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please XXXX and remove it. 
XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX  Date of inquiry XX/XX/XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX Date of inquiry XX/XX/XXXX, XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX  Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX Date of inquiry XX/XX/XXXX, XXXX Date of inquiry XX/XX/XXXX, XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX of XXXX XX/XX/XXXX, XXXX Date of inquiry XX/XX/XXXX, XXXX  Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX inquiry XX/XX/XXXX, XXXX  XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX XXXX Date XXXX XXXX XX/XX/XXXX, XXXX Date of inquiry XX/XX/XXXX, XXXX XXXXate of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX & XXXX XXXX  Date of inquiry XX/XX/XXXX,
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is 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 2019-12-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (CA)

In XX/XX/XXXX I closed on a house in XXXX XXXX with US Bank as my lender. For the last year I've received increasingly large and concerning tax bills that were not reflect in my escrow account, which was set up to pay my taxes and home insurance. I have already had to pay late fees because of the escrow account not properly paying my property tax bills. 

More recently, after receiving my most recent tax bill, my bank has informed me that they are increasing my monthly payments to account for the tax bills they failed to account for when they gave me my mortgage, indicating that they are not responsible for any prediction of tax burden beyond just using the last available tax record from the county. 

XXXX County due to its size only re-assesses property values after the sale of a property, for single family homes at least. US Bank used the assessed price from XXXX when the property sold for HALF the value I purchased it for. 

US Bank is asserting that they had no responsibility, nor way of knowing that the tax burden on my house would be twice what they had estimated when I signed the mortgage. This is a patently absurd assertion as they themselves admitted that the tax burden they indicated was an estimate, so I as the consumer naturally assumed that it was an estimation of WHAT I WOULD BE PAYING. Not an estimation of what the previous owner had been paying. 

Due to this large miscalculation and their complete failure to take any accountability, I am now concerned that I won't be able to remain solvent for an extended period of time, additionally, I would not have signed the mortgage if I had any indication that my monthly payments would exceed 4,000 dollars as they now claim they will. 

I know that this is an intentional negligence as the appraisal that the bank required me to get estimated my home 's value at XXXX $ and the county assessed my home at XXXX . So the bank had all of the necessary information to make an accurate tax estimate and they chose to not do the necessary work. They told me, explicitly, that they intentionally do not calculate those estimates. That is intentional negligence. Plain and simple. 

Attached are my most recent tax bill with the assessor 's value for my house. The appraisal of my house and the final quote for my mortgage with the tax estimations from the time of signing.
Consumer complaint received 2024-10-02
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. (AZ)

When I reviewed my credit report, I discovered that some of the information were erroneous. The 3 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 XXXXXXXX Balance : {$36000.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 2021-09-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (TX)

XX/XX/XXXX i wake up to text messages from cashapp saying my number and email had been unlinked from my cash app account I login re-link my number in my email and I watch them get deleted again as if somebody is logged into my cash app from another device doing mess my phone kept me logged in the cash app so I was able to change it back as as this hacker was actively changing my information as soon as cash apps customer service opened I contacted them they advised that I had activated Face ID for security measures which I had done and the issue was no longer pressed skip to XX/XX/XXXX I had just received a paycheck and the following morning I get similar messages saying my phone number had been disconnected from cash app I login to cash app and see that there had been three separate transactions one for XXXX dollars the second for {$500.00} and the third for XXXX transferred to a XXXX XXXX XXXX  account I do not have XXXX XXXX  I contact cash app they told me it would be escalated to the security department XX/XX/XXXX I received an email saying that theres not enough information to file a claim and the fraud so I contact XXXX XXXXt and give them the transaction numbers and the amounts and they tell me it goes to another individuals account name XXXX XXXX and that they are freezing the account for fraud and if cash app to contact them they would sort the issue out I contacted cashapp again and told them all of this they then told me yes it is still not enough evidence to open a fraud case and theres nothing they can do and I need to contact local authorities they hang up on me I contacted local authorities local authorities told me I needed to prove that it was fraudulent and all I can get from cash app is saying three transactions to XXXX XXXX I dont have any numbers so police wouldnt follow report because there wasnt enough evidence they told me to contact my bank my bank is telling me theyre not giving me any information until police submit a request and theyre not submitting a request without enough information even start a report cash app then hung up on me again so Im short {$1200.00} after I prove to them that was fraud I even did their jobs and found out who it went to your contact to the other bank the other bank said they would work with my bank cash app to fix the issue but cash app refuses to do anything
Consumer complaint received 2021-09-22
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. (AL)

I made a purchase from a merchant, XXXX XXXX XXXX back on XX/XX/XXXX. The merchant never shipped my product and I have been trying to get a refund ever since! It is now XX/XX/XXXX and still no refund. The credit card processor Cash App closed the case and advised me to work with the merchant directly. The merchant is highly unprofessional and a thief! She admits to not shipping my product and claims to have issued s refund. The merchant is lying and did not issue my refund through the card network. I have contacted cash app numerous times and submitted proof of my interactions with this merchant. Cash app has not returned my money!
Consumer complaint received 2021-09-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (CA)

On XX/XX/XXXX, I sent {$600.00} using Cash App to someone. They gave me their old username in error. I requested a refund/cancellation immediately but was told it was already sent and could not be reversed. The recipient and I sent multiple emails to Cash App to figure out to grant access to the recipient to the old account or somehow merge the 2 accounts. Each time Cash App responded with this message or similar - " I do not have any new information to provide regarding this issue. Please review the information in our previous emails to understand how to move forward. '' " While Id be happy to help you with any other issue, Im unable to provide further information for this particular case. '' And the last one today stating, " We have provided as much information as possible to help you resolve your issue. Were unable to provide additional support and will be closing your case. '' I requested a phone number to call, or someone call us. Gave contact information for the recipient so it can be resolved. I asked if my money would be returned if left unclaimed for a certain period, and received no response to this question. 
They did absolutely nothing to resolve this concern for myself or the recipient.
Consumer complaint received 2019-12-05
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (WA)

My husband and I recently refinanced our home. We were issued a payoff notice from Lakeview loan servicing on XXXX for a total payoff of {$230000.00} good through XX/XX/XXXX. We closed and funded on XX/XX/XXXX and our escrow company wired the payoff amount of {$230000.00}. 
On the XXXX, we received a call from Lakeview loan servicing stating that they had rejected and were returning the wire paying off the loan. We immediately informed the escrow officer who called and was on hold with them for over 45 minutes before she was disconnected and was unable to get through to them again. The small bit of information she was able to glean was that the payoff amount had gone up with no additional explanation provided. After multiple additional phone calls and emails, our escrow officer finally received a response on XXXX with a NEW payoff amount of {$230000.00} which was issued on XX/XX/XXXX. AFTER we had closed the loan. Our original payoff, received XXXX, was good through XX/XX/XXXX so this should never have become an issue. At this point, we have spent hours on the phone with their customer service members and has not been able to make any progress. They told usr that the loan will be reporting as delinquent if not paid in full.
Consumer complaint received 2021-09-24
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. (PA)

Contacting y'all about my unauthorized payment dispute I contact yall about on Monday I still haven't hear a update about it yet 1. What is your legal name, XXXX XXXX, and email address and/or phone number linked to the account associated with the 'unauthorized ' activity? XXXX XXXX XXXX XXXX XXXX 2. What are the dates/times and amounts for the transactions that you believe are in error? XXXX XXXX XXXX {$32.00} 3. Why do you believe the transactions were unauthorized? This is the second time I have a unauthorized payment sent to the same user I never sent it to her or don't know her 4. Were you instructed to download any other apps other than Cash App to access the account in question? No 5. What is the make and model of the device ( s ) you were logged into when the transactions took place? XXXX 6. Which city & state were you located in when the unauthorized transactions took place? XXXX Pennsylvania 7. Did you forward or provide any account access information to a third party? No 8. Do you have a PIN set up to authorize payments? If so, did you share your PIN with anyone? No 9. Do you have possession of your device, if not, when did you last have possession of your device? I didn't have possession of my device when I was sleeping before I want to bed I did someone probably guessed my cash app pin who I don't know
Consumer complaint received 2024-10-02
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. (OR)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-10-02
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. (CO)

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 Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : 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 2021-09-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (IN)

I bought something from someone using cash app from XXXX and he told me that cash app had emailed him and said that it requested a refund for the money I sent to him previously, twice, both for XXXX dollars. Cash app said I did, but also said the guy had the money but couldnt tell me where my money was if it was refunded in the first place. Turned out to be a scam, as you can see from the screenshots are a scam, I never received the computer I paid for and I had to file a dispute with my bank and having to submit a police report because this is now considered a felony because its over {$500.00}. And cash app wont tell me where my money is or give me my refund, which is around $ XXXX. I will submit all screenshots if needed. But cash app needs to be held reliable as well! This is horrid customer service. PLEASE LEARN FROM MY MISTAKE. PLEASE MARK OUT ALL PERSONAL INFO, I DID NOT HAVE TIME TO DO IT FOR THE SAKE OF GETTING THIS COMPLETED BY THE END OF THE WEEK. THANK YOU IN ADVANCE.
Consumer complaint received 2017-03-29
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: American Financial Resources, Inc. (AZ)

I paid for a house appraisal in XX/XX/2016 asked for by AFR doing business as Elend. I had applied for the Refi loan in XX/XX/2016. I submitted all documentations they asked for. It took them so long to process the loan papers that the " 4 '' months window for the validity of the appraisal ( per their loan employee ) they gave me, expired. In XX/XX/2016, they demanded that I re-appraised my property again. I objected as it was on their end that the process stalled. I asked for a refund for the appraisal costs as I found a more reputable company to process my loan. The loan officer I spoke to at eLend refused to reimburse me. I, then, contacted a law firm, gave them the factual information and they wrote a demand letter to eLend on my behalf asking them to reimburse me for the appraisal fee. The law firm for the eLend, AFR, company emailed me a legal letter stating that they do not refund money. When I received the letter from AFR, I contacted the law firm I asked for advice and they advised me to contact yours and other agencies who could be better able to help me to file for a complaint. The company information in question is- AFR American Financial Resources , inc. doing business as eLend. I would like to file this complaint as a warning to other borrowers who may want to do business with this company. I researched eLend online and found that there are also many other people who lost money the same way I did dealing with this company. If legal documentations, emails between eLend and I, etc., of the facts stated above, needs to be presented please let me know and I 'll provide it.
Consumer complaint received 2017-03-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: GOLDEN 1 CREDIT UNION, THE (CA)

I have been adding principal payments to my mortgage loan which was due XXXX 2025. I assumed that was an agreement between the lender and me that, as long as I paid the full amount by 2025, there would be no penalties. Now the loan is within one payment of me paying it off, but the lender says if I do n't make a monthly payment, I will be assessed a late fee, plus extra interest, even if, by terms of the loan that last payment is n't due for another 8 years.
Consumer complaint received 2021-10-01
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. (FL)

Started from XX/XX/2020 until now and it was two the value of XXXX and it could be more I deal with XXXX XXXX XXXX and I don't have a receipt or all the purchases
Consumer complaint received 2023-04-21
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. (FL)

When I looked into my credit report, I found that part of the data was inaccurate. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the items be authenticated by the three credit bureaus. ( A ). Without providing verification within the legal time frame, it is unacceptable to treat the reporting items as unverified information. 

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