davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-20
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. (TX)

Consumer Name : ( XXXX XXXX XXXX ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX  opened XX/XX/year>. XXXX XXXX opened XX/XX/year>. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2022-01-26
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. (IL)

In XX/XX/2021 I made a purchase from a company called XXXX. If you check their XXXX page you will see XXXX complaints and no positive ratings. They are a criminal enterprise. I did not know this at the time. They simply take consumers money and do not deliver the goods. 

After XXXX weeks of nondelivery I asked XXXX for a refund. At the same time I asked my bank, Cash App, for a chargeback. XXXX agreed to a refund ( this was a stalling tactic ). A week later XXXX shipped something by XXXX. Delivery was never attempted and the package returned to the merchant. So the merchant has my money and the package. 

Several months later Cash App responds to my chargeback request and asks for all documentation. I give them all of it. They refuse a chargeback as the item was delivered back to the merchant. I can't get them to see sense ( I have been ripped off ), so I contact one of their management directly who escalates the issue for me. This does not resolve the issue, and then Cash App terminate my account for contacting the manager outside of their online support system. 

Cash App now have the balance of my account and will only release it into a bank account. I do not have a bank account.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Incorrect Information to be Removed : Names : XXXX XXXX Addresses : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Employer : XXXX XXXX XXXX XXXX to be Listed : Names : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Address : XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, FL XXXX Please review the information and make the necessary corrections to my credit report. Thank you.
Consumer complaint received 2022-01-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc. (PA)

My bag was stolen, which had my debit card and phone. When I tried to tell them, they asked for the card numbers to verify. Since the card was stolen, I couldn't provide them. Their support wouldn't even speak to me for weeks, then I made a CFPB complaint and they finally spoke to me. They said because they couldn't verify the account I was not entitled to the money. They said if I made a new account I could transfer everything from the old account. I did this and they still didn't transfer the money. Now they're saying it is a security issue, they will not give me the money, and due to their terms of service the matter is closed.
Consumer complaint received 2022-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Block, Inc. (FL)

Made several deposits through XXXX and XXXX XXXX onto my cash app card to have money on my cash app prepaid card to pay my bills. After depositing funds woke up to login to my cash app account and my cashtag and user information no longer existed. I just disappeared like I never existed. Since I couldnt login to my cash app account I could submit complaint under my cashtag or user name. So I had to create new cash app account with new cash tag name to file complaint on my mystery missing account. I sent several emails and complaints to cash app with proof of my deposits, debitcard with cash app, copy drivers license and etc. Proving this was my cash app account and asking to please help me regain access to my funds. They said they couldnt this was at the beginning of XX/XX/2021. Still no resolution to my ripped off funds.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

You obtained my credit report from XXXX XXXX XXXX on XX/XX/XXXX and the inquiry was coded as if I had applied for credit, insurance, housing, etc. You also failed to respond to my request for your permissible purpose which you received on XX/XX/XXXX. I can only assume now that you had no permissible purpose. As your legal department knows, civil liability in this matter is {$1000.00} in damages. I am offering to settle this matter as follows : Permanently delete the inquiry, or overnight me a cashier 's check for {$1000.00}. I will give you 20 days to make a decision. 

XXXX XXXXXX/XX/XXXX and XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2022-04-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I answered to an ad on XXXX ( on Sunday, XX/XX/2022 ) for a house that was listed for rent. I was on the phone with someone who claimed to be the landlord of the property. He said he was out of town but could show me the apartment over the phone. Desperate and nearly homeless, I said okay. He gave me a code to enter the house, which made me feel like this person was really the landlord. After checking out the place, I agreed to moving in. He said he would meet with me tomorrow to secure the lease and give me the keys. However, the only way that would happen is if I give him the security deposit first. This made sense to me at the time because I have had to pay a security deposit before signing the lease with my previous apartment. The supposed landlord assured me the deposit is refundable and it is only to make sure he doesnt show the property to anyone else. Since he said it was refundable and would meet with me tomorrow, I sent him a deposit of {$1100.00} via cash app. I felt confident sending it via cash app since Ive seen cash app refund money back to people. Not to mention he said the deposit is refundable. After sending the deposit, I realized it was a scam once he sent me an application via XXXX forms. I also realized the rent was not the same as what was listed on another website. I immediately reported the transaction as a scam. I requested a refund to the supposed landlord and he has yet to give me the deposit back. I reached out to cash app customer support via live chat. They didnt have any representative to talk to on the phone. They told me there was nothing they could do once the transaction is complete, but I know thats not true. Ive seen cash app take money away from my account ( without my consent ) after someone requested a refund. If they can do that to my account, which isnt a scam, why cant they do that to an account that actually is a scam? The amount I gave him for the property is incorrect. It is not what the actual security deposit is for the property. He charged me a false amount under false pretenses. Even if he was the actual landlord, he said the amount is refundable. I should be able to get my money back. Cash app states the transaction should be refunded if it is the incorrect amount. {$1100.00} is an incorrect amount. The actual deposit is not {$1100.00}.
Consumer complaint received 2022-03-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (NC)

I sent payments to an end user for a business website creation and business social media creation which will be linked together. The end user who received my payment on this platform advised the services would be completed by XX/XX/XXXX, then pushed the date to XX/XX/XXXX, pushed to XX/XX/XXXX and finally on the XX/XX/XXXX he pushed it back to XX/XX/XXXX. The service was never rendered, and the end user blocked my calls. I did some investigation of the person 's name and found out he was a scammer and has embezzlement charges. I submitted a claim with the federal trade commission and Crime stoppers. I advised this to cashapp and provided them with all the details and they refused to assist at all. They advise they refuse to assist or to punish the scammer. He is still active on cashapp and he never provided my refund. I am out of {$5000.00} and no assistance was provided from cashapp whatsoever. The person has previous impersonating, embezzlement, and scamming charges.
Consumer complaint received 2024-09-20
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)

I am writing to formally dispute several unauthorized inquiries that appear on my credit report. According to the Fair Credit Reporting Act ( FCRA ), it is the credit bureaus responsibility to ensure that all information included on my credit report is accurate and that any credit inquiries listed have a permissible purpose. If an inquiry can not be verified as authorized, it must be removed from my credit report immediately. 

The following inquiries were not authorized by me : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Under the FCRA, they are required to provide me with documentation proving that these inquiries were made with my authorization and for a permissible purpose. If they are unable to verify this information, they are legally obligated to remove these inquiries from my credit report per Section 604 of the FCRA.

I request that you conduct an immediate investigation into these inquiries and notify me of your findings. If you can not provide verifiable evidence within the 30-day investigation period, please delete these inquiries from my credit report without delay.

After requesting an investigation and prompt action if they can not confirm these inquires, they simply told me to talk to the company these inquiries came from which is against my rights as a consumer since they are the company reporting this false information. 

I am hereby demanding prompt action and deletion as these inquiries do negatively affect my report.
Consumer complaint received 2022-02-22
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (NY)

I am a self employed clinical social worker in private practice and I accept insurance payments for patients. They insurance company recently started paying me with virtual credit cards, despite not having my own POS system. I needed access to those funds and decided to go ahead and use Squares services and pay Squares fees in order to get paid. 

I had trouble understanding how to deposit the money, and was entering the wrong zip code, which flagged the account for fraud. I was asked to furnish more information which I did-Bank statements ( which I needed to black out in order not to violate HIPAA laws ), New York State License , website, however despite all of this, I was told that my account had been deactivated and my funds in a hold for 90 days. WITH ZERO EXPLANATION. I can not refund the payments because it is a virtual credit card and once the funds are disbursed it is inactive. It seems unconscionable that after taking 3.5 % in fees, plus service charges, Square gets to then retain the fees and hold my money for 90 days.

I spent 30 minutes on the phone trying to get through to someone and the woman XXXX refused to let me speak to internal affairs, nor would she give me an explanation as to why my account had been deactivated and my funds frozen. I am a small business, I pay quarterly taxes, and having upwards of {$6000.00} held for 90 days is a major hardship for me. I was in tears on the phone and the womans response was I have a family too, I cant let you speak to anyone else.

Nowhere in the terms does it say we wont accept health insurance virtual payments. In fact it says that prepaid cards are accepted. 

This seems like an incredibly punitive way to treat customers, particularly after I gave up highly sensitive information to prove the eligibility of my transactions. There is no one working with me, no one talking to me, its all being done online in a very furtive and covert way, and the customer service rep I reached on the phone would give me zero information or support. She eventually told me she was hanging up since she had already told me three times that there was no one else I could speak to. 

I am appealing to you to review my case and release my funds before the 90 days. I gave up all the information requested of me, I am a licensed clinical social worker with the state of New York, I dont understand how much more eligibility you need from me to prove the authenticity of my charges.
Consumer complaint received 2022-02-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (TX)

Was needing a place to live saw an offer on XXXX XXXX went for it used cash app XX/XX/2021 XXXX XXXX XXXX XXXX to give this person a deposit who was posing as someone who owned a house in XXXX XXXX Texas using information about the house that had key locks and apps that connect to it and info to get the key. So we thought it was real being first time renters, even emailed a lease we gave him XXXX payment ( XXXX, ) through cash app we gave his number to some friends who needed homes and we found out he was giving that address out to others and confronted this person, requested our money back on cash app and reported this person. I see that they still have a cash app account but just changed their name I'm very upset my year has been totally ruined my family still trying to get back up from this cash app pulled oooh sorry we just can't help you.
Consumer complaint received 2023-11-16
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. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2018-11-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (TX)

Who do I speak with about a short pay off? I got a payoff amount of {$73000.00}. {$43000.00} payoff would be fair from all that I have bee through with Chase Bank in 13 years of home ownership. Problems with Chase has caused great harm financially and with my health.
Consumer complaint received 2024-07-25
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. (WI)

Pursuant to 18 USC 8 I owe no debt. This company is violating my consumer rights to privacy pursuant to 15 USC 1681b.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports, I never gave you any written consent to report anything on my consumer report. 

As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state Also we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney General 's Office, XXXX XXXX XXXX and Federal Trade Commission.

1. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft XXXX XXXX Account Number : XXXX XXXX As a consumer by law, this account must be deleted immediately. 

2. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft XXXX XXXX Account Number : XXXX XXXX As a consumer by law, this account must be deleted immediately. 

3. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft XXXX XXXX XXXX  Account Number : XXXX XXXX As a consumer by law, this account must be deleted immediately.
Consumer complaint received 2019-11-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY IN XXXX XXXX, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

Please take a look at the attached letters and ID docs for verification that it is I 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 2024-09-20
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. (MA)

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 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My account with was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 
Delete the late payments from my consumer reports
Consumer complaint received 2024-07-25
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. (IL)

I did not consent to, authorize, or benefit from any of the following Inquires : XXXX - XXXX Equifax XXXX XXXX XXXX - XXXX XXXX XXXX. XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXXXXXX XXXX - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-25
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. (FL)

I discovered an unauthorized account on my credit report during a recent review. Kindly remove this fraudulent entry, as it is obstructing my ability to obtain credit. This account is unfamiliar to me. 

Account name : XXXX XXXX XXXX XXXX  Account number : XXXX Date opened : XX/XX/year> Balance : {$13000.00}