davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-28
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. (OH)

I see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now Im asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me stress. They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important money goals, like buying a house and supporting my family. I hope we can fix this problem soon.
Consumer complaint received 2022-09-08
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Block, Inc. (NY)

I have XXXX ATM withdrawal from my card that I subsequently reported stolen to cash app support..for XXXX XXXX and XXXX respectively ... I am being denied because they say it is routine of some sort I did not make this transaction
Consumer complaint received 2022-09-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (FL)

The following transactions were placed using my credit and debit cards without my consent and knowledge : On XXXX XXXX {$200.00} was taken from my debit cad ending in XXXX On XXXX XXXX {$100.00} was taken from my debit cad ending in XXXX On XXXX XXXX {$200.00} was taken from my debit cad ending in XXXX XXXX XXXX {$50.00} was taken from my debit cad ending in XXXX XXXX XXXX {$250.00} was taken from my debit cad ending in XXXX XXXX XXXX {$130.00} was taken from my debit cad ending in XXXX XXXX XXXX {$50.00} was taken from my debit cad ending in XXXX XXXX XXXX {$25.00} was taken from my debit cad ending in XXXX At the time of these transactions I was and still am XXXX. I did not and still have no access to any internet services either directly or through a 3rd Party to conduct any of these transactions. I also did not authorize any of these transactions and lacked knowledge of them until recently. 

I may be contacted at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX
Consumer complaint received 2019-07-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

An offer was mailed to me for {$300.00} to open a new checking account at Bank of America. The letter had someone else 's name on it but I thought it would still work for me since it was mailed to my address. The branch manager XXXX XXXX opened the account for me on Monday, XX/XX/XXXX. She explained when I would get the money and led me to believe that this offer is valid for me. I left the branch after she did everything to open my account, including ordering me a debit card. About a half hour later, after the branch had closed, she left me a voicemail to call her. I called her back and she was quite rude and discourteous to me. She said that I read the letter wrong and that she didn't mislead me. The letter says " XXXX XXXX XXXX, this offer is only for you! '' but the text is not enlarged or conspicuous enough to make me think that this is an exclusive offer for XXXX. It seems like some junk mail that could apply to anyone. I wish that XXXX had caught this error and stopped the account from being opened. 

I called customer support that day and filed my first complaint. The representative said that Bank of America might be able to offer me something similar but it might not be {$300.00}. I didn't get a call back within 24-48 hours like I was told on Monday, so I called the company on Wednesday and was on the phone with someone for an hour. He filed another complaint for me because the first complaint I filed didn't include that XXXX made a mistake, which I had clearly described on Monday. The representative gave me XXXX XXXX manager 's phone number. Her manager XXXX said this offer doesn't apply to me and wouldn't give me a different offer. I closed my account that day on Wednesday, XX/XX/XXXX.
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Im requesting the Original Contract with Terms and conditions.Im also requesting the complete history of the debt.I want account statements and notes.The account shouldnt been charged off and if it was it should have been paid off by the security on the account This Info being reported is incorrect and inaccurate informationIm willing to file a federal lawsuitI am willing to pay the {$400.00} and bring this violation of the FCRA and FDPA to court and before a federal judge.These people are violating my federal consumer law rights and my civil rights
Consumer complaint received 2022-09-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (GA)

I was contacted by a fraudulent XXXX page about investing in XXXX. I was told to set up a page with XXXX XXXX XXXX XXXX website and it would create my account and I would see profits in 24-48 hours. I was told to transfer the money via cash app to this individual and they would from there invest my money in the XXXX mining. I transferred XXXX. Once I could see the invested money, and it generating profit, I was told to purchase more on crypto.com and I then could see my money increasing, as I purchased another XXXX. The XXXX account had been hacked by a scammer, the cash app was a scammer, the XXXX mining page was a fraudulent mirrored page of another company. It was a scam and I lost XXXX.
Consumer complaint received 2022-09-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc. (CA)

I was told that my square account transactions would be suspended if I didn't look in my dashboard on squareup.com to resolve a letter. I answered the questions in the letter Monday XX/XX/22 about the CBD or cannabidoil products I use by opting out of the CBD market and taking the listed CBD balm off my items list that is used in XXXX XXXX as an add-on. The reply automated said that my cooperation more or less was fulfilled and I should be able to use the Square services for credit card transactions in time for my appointments that were Wednesday XX/XX/22 same week. I accepted the credit card that day and the next day when I was expecting to use the funds transferred to my checking account I was told the funds were suspended and that I should contact Square in some community center to find out why. I found the phone number and called it XXXX and spoke with a few customer service reps, the first one didn't connect me and the 2nd one made me feel she handled it and gave me copies of the reasons why account suspended for CBD. I told her I already complied and she told me the department handling my account was reviewing it and I would expect to be able to access the funds by the end of the day. Rent was due and I was assessed a {$50.00} late fee and the XXXX XXXX holiday on the weekend didn't make me think I would be able to have my account reviewed. I closed my account that Monday XX/XX/22. I called back today on Tuesday XX/XX/22 and spoke with a representative who told me the other person didn't email me back like she was supposed to that some other item was on my account with CBD from a massage oil product, when asked why I wasn't told about that item. I had already closed my account and he confirmed I had {$240.00} after fees in my Square account that would be released as I wasn't in the CBD market or also don't use their services. But he said he would have to hear from that department then email me. It is the end of the day and I still haven't heard anything. I don't think it is fair for them to take my funds over CBD that is legal to use in services and bought at XXXX and XXXX and XXXX from a client 's account. I don't sell it, and Square intentionally hurt my small means of income that impacted me with more fees to pay for late rent. The costs of fuel and less tips at my employee job and time off the previous two weeks to study and pass finals in XXXX XXXX hurt me already and I relied on that money to pay my rent. They are robbing small businesses and financially abusing them for a CBD compliance issue that shouldn't be any of their business. I already have really XXXX XXXX XXXX to people and drive to their homes for them.
Consumer complaint received 2022-09-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc. (MS)

The date of the occurrence is XX/XX/22 the amount is {$100.00}. I used CashApp to send money to someone, I sent it to the wrong person. I contacted CashApp through the apps customer service as instructed and was told that since the transaction was completed that they could not issue a refund and to contact the person I sent it to or request a refund through the app. Upon doing so, I was told the person I sent it to had an outstanding balance with the apps borrow feature and once sent my money was automatically applied to that balance. I contacted CashApp customer service and after numerous attempts because I was hung up on several times because supposedly my account could not be found, I was told that my money was gone and that the person I sent it to should either pay off the outstanding balance and then borrow the money back to pay my money back or pay my money back personally. I asked if the person the money was sent to receiving money that was not intended for them violated the companys policy how could my money not be returned to me? I also asked why is my money being used to pay off someone elses debt owed to that company? And if all available funds in the receivers account will be used towards the outstanding balance, why is it the smaller amount that I sent to the receiver, intentionally, was not taken as well? My questions were not answered and I was disconnected each time.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-02-24
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX, Florida, XXXX Contact Information : Email : XXXX Phone : ( XXXX ) XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Re : Complaint Against [ National Credit Systems ] Dear Sir/Madam, I am writing to file a formal complaint against [ National Credit Systems ] for violating my consumer rights under various laws and regulations. The collection agency has failed to provide validation information as required by 12 CFR 1006.34 ( b ) ( 5 ), yet they have placed a collection on my consumer report. Furthermore, I have not been given the opportunity to dispute the account as outlined in 12 CFR 1006.34 ( c ) ( 4 ) ( i ).

Additionally, the collection agency is using false, misleading, and deceptive means in its collection efforts, which is a clear violation of consumer rights. They do not have the authority to furnish any account to consumer reporting agencies without providing the necessary disclosures required by law, as stated in 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ).

I hereby dispute any and all debts to [ National Credit Systems ] and revoke all rights for them to communicate with me via email, texts, or calls. I request that they provide debt validation and furnish the purchase agreement between them and the original creditor. I also request proof that they are licensed and bonded to operate as a collection agency.

I urge the Consumer Financial Protection Bureau to investigate this matter and take appropriate action against [ National Credit Systems ] for their violations of consumer rights and laws. I appreciate your prompt attention to this matter and look forward to a resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The balance on my account hasnt been correct for two months now. They came and repossessed my motorcycle that was used as collateral for this loan and they havent updated the balance since taking possession of the vehicle. Ive been working with XXXX XXXX to settle this account. As of now its like their double dipping by trying to collect money that should have been taken off as a result of the repossession.
Consumer complaint received 2019-07-19
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: WELLS FARGO & COMPANY (NC)

Dear CFBP I am filing a complaint against Wells Fargo Card Services for failing to remove an unauthorized inquiry on my XXXX credit report. I mailed and faxed them a letter nearly two months ago and they still have no responded. I am requesting that they remove this illegal unauthorized inquiry they made on XX/XX/2018 that had neither my permission or any permissible purpose under the Fair Credit Reporting Act. 


Thanks for you help in this matter, XXXX XXXX XXXX
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

I am writing to file a formal complaint regarding the ongoing issues I have encountered with the credit bureaus, specifically Experian and XXXX. Despite submitting my disputes with complete and accurate ID verification as instructed, I have repeatedly received letters from both bureaus stating that my dispute letters do not appear to be sent by me or authorized by me, and therefore they refuse to investigate my claims. 

This refusal to open my disputes is not only frustrating but also a violation of my rights under the Fair Credit Reporting Act ( FCRA ). According to Section 611 of the FCRA, consumers have the right to dispute inaccurate or incomplete information in their credit reports, and credit reporting agencies are required to investigate these disputes. The actions of Experian and XXXX in refusing to open my disputes despite proper verification obstruct my ability to correct inaccuracies on my credit report.
Consumer complaint received 2019-07-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

There are a few inquiries on my credit report besides the accounts that I have that I do not recognize. These inquiries appear to have between XX/XX/2019 and XX/XX/2019. I would like these inquiries removed from my credit report because I did not apply for credit from these companies during that period of time.
Consumer complaint received 2019-07-18
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. (CA)

I have 18 unauthorize Hard inquiries on my XXXX, Equifax and XXXX that hasn't been deleted. 
I didn't give no authorization or Consent to no other financial institutions pull my credit. 
I only authorize XXXX XXXX XXXX of XXXX, Texas to pull my credit on XXXX XXXX as I am going through a VA Loan and home purchase in XXXX, Texas. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also, XXXX and Equifax hasn't updated my credit report and refuses to add my XXXX XXXX XXXX account. 

XXXX last thing XXXX, XXXX and Equifax hasn't remove the Derogatory Remarks of late payments of XXXX days for XXXX and XX/XX/2019. Many Federal Government complaints was filed..XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... .I have provide evidence to Prestige and Federal Government on no late payments. 

Derogatory Remarks on my credit report is restricting me in obtaining a VA Loan for a home purchase in XXXX, Texas. 
Credit scores are not accurate and updated. 
I am XXXX XXXX, XXXX and a XXXX XXXX XXXX XXXX XXXX. 

Very Urgent Matters!
Consumer complaint received 2024-08-07
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. (FL)

I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND NOTICED I HAD FRAUDULENT ACCOUNTS ON MY REPORT. PLEASE REMOVE THESE ACCOUNTS FROM MY REPORT, THEY ARE HURTING MY ABILITY TO OBTAIN CREDIT.
Consumer complaint received 2022-09-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Block, Inc. (MI)

I have been victim of identity theft over two years ago and am still having new accounts opened with my stolen personal information. 
The company CashApp has continually sent me debit cards for new accounts that have been opened in my name. I have received nearly 10 different cards with my information on them. Their customer support and fraud team is disappointing to say the least when it comes to providing help to close these accounts. 
I am asking for your support in getting this company to cease allowing anyone to open accounts using any of my personal information.
Consumer complaint received 2022-10-26
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: Experian Information Solutions Inc. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

I am writing to express my deep concern and frustration regarding the presence of fraudulent items on my credit report that have not been adequately addressed despite multiple attempts to rectify the situation. This ongoing issue has had severe consequences on my financial well-being and is causing undue stress and hardship. I have followed the proper procedures outlined by the Fair Credit Reporting Act ( FCRA ) in disputing these fraudulent items, and I have provided all necessary documentation to support my claims. However, despite my best efforts, these inaccuracies persist on my credit report, which has adversely affected my ability to secure loans, obtain favorable interest rates, and even pursue certain employment opportunities. I kindly request that you conduct a thorough investigation into this matter and promptly remove the fraudulent items from my credit report. Additionally, I urge you to take necessary steps to prevent the reoccurrence of such inaccuracies on my report in the future. I am willing to cooperate fully and provide any additional information required to resolve this issue promptly. I expect a written response from your agency within 30 days of receiving this letter, as required by the FCRA, confirming the removal of the fraudulent items from my credit report. Kindly assist me to remove the following fraudulent items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$27000.00} XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX  ) XXXX Balance : {$2100.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Block, Inc. (VA)

On XX/XX/20, my Cash App card was used 4 times in the middle of the night at a place called XXXX XXXX XXXX in Ohio. I live in Virginia and did not make these purchases, I did not give my card or info to anyone else to make these purchases either. Immediately after noticing, I cancelled the card and ordered a new one. I also followed CashApp 's dispute process and disputed each charge. They refunded 2 of the charges, but denied the other XXXX. 

XXXX. XX/XX/20 @ XXXX am {$99.00} - refunded. 
XXXX. XX/XX/20 @ XXXX am {$58.00} - claim denied. 
XXXX. XX/XX/20 @ XXXX am {$38.00} - claim denied. 
XXXX. XX/XX/20 @ XXXX am {$67.00} - refunded. 

I don't understand why 2 of the charges were refunded, but not the other 2. I asked through the support chat and the only explanation I got is attached together with the following statement : We have received your request for documentation related to your dispute. 

Please find the attached documentation that Cash App relied on to determine the outcome of your dispute claim in case number : XXXX. 

Were unable to provide any additional support regarding this claim and no further action will be taken.
Consumer complaint received 2024-06-29
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. (IN)

I have tried contacting this company about this account, my identity was compromised. To remove these fraudulent account off my report, i even tried to pay it off it still there. 

XXXX XXXX XXXX XXXX