davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (TX)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverified information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-26
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: NAVY FEDERAL CREDIT UNION (IL)

Pursuant to FCRA Section 605B it is illegal to report any information on my credit report without my permission. Please remove this item from my credit report. Thank you!

Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.
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. (FL)

i ve been living in XXXX for years and i came back a month ago to see my kids and my son checked my credit report and found fraudulent accounts and this is improper use of my credit report. in accordance with with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602, states i have the right to privacy, 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. under 15 USC 1666B, i contacted all of them and showed them that i ve been living outside the united states for over 10 years and no one responded to me XXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2022-03-06
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Block, Inc. (CA)

I sent money to someone I know for tickets. the seller said the payment didn't go through so I sent it again. the agreement was the seller would refund it but in the end was unwilling to. I filled dispute with asperation bank and cashapp/ block did not assist me. 

claim you had mentioned in regards to the {$750.00} payment on XX/XX/XXXX. 

The claim you had filed about this transaction on XX/XX/XXXX is claim # XXXX. At this time, we've addressed the transactions you gave originally and have completed our investigation and closed this claim. 

Cash App is unable to cancel or refund this payment.
Consumer complaint received 2022-03-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (AL)

Ive sent a couple Cashapp transfers to cashtag profiles of the wrong individual, then become aware, in at least one occasion ; the profile I sent to was a old duplicate or dormant account of the actual person I intended the transfer. So upon recognizing the error, when finding the correct cashtag handles ; I resend transfers, as well as request refunds for the error, but Ive been told that completed transaction cant be refunded! And as previously mentioned Im sure of the wrong recipient XXXX  profiles being obviously activated but without current activity for anyone to receive any transfer sent it. Ive mentioned this to cashapp team but they dont have a clear answer beyond not refunding completed transactions. My concern is if transferred funds are completed into stagnant accounts, and no refund is given, where does those funds end up?
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

Subject : Request for Removal of Late Payments Under CFRA, CARES Act, and TILA Dear CFPB Members, I am writing regarding my account witXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) to request the removal of XXXX late payments reported on my credit history, specifically in XX/XX/XXXX and XX/XX/XXXX. 

During the XXXX XXXX, I faced exceptional circumstances that impacted my ability to meet my payment obligations. Under the Coronavirus Aid, Relief, and Economic Security ( CARES ) Act, protections were established for consumers who experienced financial hardships due to the pandemic. This legislation acknowledges the importance of providing assistance to those who suffered setbacks during this difficult time. 

Additionally, under the Truth in Lending Act ( XXXX ), I have the right to receive clear and accurate information about my accounts and the impact of delinquency on my credit history. I request that my circumstances be reviewed and that consideration be given to the removal of the aforementioned late payments, as they have significantly negatively impacted my XXXX XXXX and, consequently, my ability to access credit in the future. 

I appreciate your attention to this matter and look forward to your prompt response. I am willing to provide any additional documentation you XXXX require to process this request. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-03-06
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. (MI)

This is my third time opening this case and I will be taking cash app to court if I am not helped and refunded I got my card fraudulently used cash app refuse to refund me been calling them emailing them everyday still nothing refuse to help employee dont care rude by the way and alway give the same response will be making a class action lawsuit and I already have a list of other people they refuse to help I will be attaching my cash app and everything they refuse to help me with they just keep responding that I am not the account owner ( which I am ) they are a scam company they also closed my cash account because they refuse to help me
Consumer complaint received 2022-03-05
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Block, Inc. (IN)

I had my tax refund direct deposit into my Cash App account on XX/XX/02 from my tax preparer TPG. It was for the amount of {$13000.00}. Since its not more than {$25000.00} it shouldnt had been a problem. My deposit was pending from XXXX ; XXXX am to XXXX. I tried to send my son {$600.00} dollars ( which I send money to him all the time and he send me money ) after I tried to send him money. I recieved a text saying my account is temporary locked for unusual activities and they want to keep me protect. Within 24 to 48 hours I will receive a notification and I will be able to access my fund. I tried to cash out my money to my linked bank account and cash app wont let me even transfer my money to my link bank account. I have spoken with over 8 reps from support. I have talk to a manager. I have send in the proof from my tax preparer. No one has resolve this issued and its over 48 hours. All Im trying and wanting to do is transfer my money to my link bank account. I can view my balance on cash app but cant cash out nor send or recieve money.
Consumer complaint received 2022-03-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (FL)

At dawn on Saturday I began to receive notifications of charges in my cash app account by XXXX reaching a total of approximately 800 usd when I realize it, I quickly cancel my card the next day I contact XXXX and they assure me that the payments They didn't make it because they don't have a record in their system, contact the cash app and they only return approximately 150 usd of the 800 collected and they still haven't given me the rest because they need to continue investigating, however I don't authorize those conros cash app says it was XXXX and XXXX tells me it was cash app
Consumer complaint received 2022-03-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (OH)

On XX/XX/2022 at XXXX PM, my wife transferred a payment of {$500.00} through CashApp to me. We always use CashApp to send each other money. CashApp immediately locked my account that I have had for years. I contacted their support that evening and they advised that it would take 24-48 hours to resolve. I didn't hear anything Friday so, I contacted them on Saturday and was given the same general message of 24-48 hours. I waited until this evening to reach out and was advised 24-48 hours again. The representative then told me to contact my local authorities because they will not unlock my account. They are refusing to release my funds and I have spoken with them through chat, email, and phone.
Consumer complaint received 2023-08-10
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. (CA)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$3400.00} XXXX  XXXX Balance : {$5200.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX Balance : {$640.00} XXXX XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX Balance : {$5200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX Balance : {$1100.00} XXXX / XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX 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 information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, XXXX  XXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion Consumer Solutions concerning an inaccurate late payment entry on my credit report that remains unresolved despite my efforts to correct the issue. 

Account Information : - Creditor 's Name : XXXX  XXXX - Account Number : XXXX - Date of Late Payment : XX/XX/XXXX Nature of Complaint : On XX/XX/XXXX, I submitted a dispute to TransUnion regarding a reported late payment. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ), explaining that the late payment entry is inaccurate for the following reasons : 1. I have autopay set up for this account, and my payment was processed on time. 
2. There may have been a clerical error by the credit bureau. 

Despite providing this information and following the dispute process as outlined in the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and overall financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies comply with the Fair Credit Reporting Act and the Truth in Lending Act. If the inaccuracies can not be verified, I request that my credit report be updated accordingly. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX
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. (MS)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
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. (OH)

I am a victim of identity theft. This is my official statement about the crime. The following accounts are a result of the identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Including inquires, XXXX XX/XX/year>, XXXX XX/XX/year>. I do not know anything about the person who stole and is using my identity. I am seeking remedy for the fraudulent accounts to be blocked and deleted from my credit report and file immediately.
Consumer complaint received 2024-10-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

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

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

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2022-02-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc. (TX)

Cash App prominently advertises that transfers are " fast and free '' and " Fast payments for free ''. 

But from XXXX : Cash App provides two options to transfer money into a third party bank account ; wait XXXX business days, or instantly withdraw with a 1.5 % fee. 

XXXX XXXX XXXX
Consumer complaint received 2022-02-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Block, Inc. (NJ)

I am seeking your intervention and writing this complaint because I have not received a satisfactory resolution or explanation from CASHAPP. 

ISSUE : CASHAPP charges a {$.00} fee for each debit transaction I make from my bank account. My bank stated they are not charging the fee, but it is CASHAPP that is assessing this fee. I contacted CASHAPP to obtain an explanation. I spoke with a representative named, XXXX on XX/XX/2022. She stated that I would need to setup an account in order for her to assist me. I reported that my account is set up. She stated that to set up an account, I would have to request a cash card so she could verify my account. Why would I need a cash card when my CASHAPP account is tied to my bank account? I explained that I was having trouble understanding the nature of this request. Why would I have to set up an account and get a cash card in order to find out why I am being charged XXXX cents. I then asked to speak with a supervisor. XXXX stated that I would have to set up an account in order to speak to a supervisor. This is ridiculous, I am just trying to obtain an explanation as to why I am being charged XXXX cents when I send someone money. The CASHAPP site does not explain what would prompt a fee being charged. I have spoken to other people who have CASHAPP who send money and they do not have a cash card nor being charged XXXX cents. 

Your intervention in this matter would be greatly appreciated.
Consumer complaint received 2022-02-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: Block, Inc. (GA)

Today XX/XX/22 I received a direct deposit from the XXXX OF {$860.00} into my cash app account, I then transferred {$700.00} for my savings into my other account. when I went to log into the account I transferred the funds to it wouldnt let me log in.. I then contacted support to see if they were able to give me access back to my account so I can take my {$700.00} out, or just send the money back to where it came from ( my original account ) since I they wont give me access.. XXXX then proceeded to tell me there was nothing they could do, and that basically the money is gone and I wont be able to access it again. I need my XXXX back this is extremely frustrating, my rent is due, I have bills, this is ridiculous
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AZ)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.
Consumer complaint received 2022-02-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Block, Inc. (IN)

A Cash App Visa Debit account was fraudulently opened by someone using my personal information. I received the card on XX/XX/2022 and worked with XXXX XXXX XXXX as well as calling and emailing Cash App in an effort to get this card closed. After sending the requested information and card number via secure link to Cash App, I followed up two days later to ensure the account was closed. I then received another link requesting photo of front and back of debit card. XXXX XXXX advised me not to send the photo. XXXX XXXX has tried to contact Cash App since this time in an effort to close the account, but has been unsuccessful.
Consumer complaint received 2024-08-29
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. (GA)

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 Account Number : XXXX Account Name : 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 2022-02-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (GA)

My cash app account was locked. I was sent this after only changing my debit card information : We temporarily locked your account to protect you from possible fraudulent activity, and we are reviewing it now. 

You can still view your balance and investments, but you won't be able to send or spend money. 

You will receive a notification within 24-48 hours confirming we completed our investigation and unlocked your account. You will then be able to log in and resume using your account. 



My direct deposit goes to this account and I have money on it now.