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 — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Transunion is not in compliance with 15 USC 1681 e and not congruent with the other credit agencies ( XXXX and XXXX ) not reporting a bankruptcy on my credit report.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My account with XXXX XXXX AND XXXX XXXX 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 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. 

XXXX XXXX AND XXXX XXXX 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 2022-02-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc. (WA)

I own a small business and was broken into on XX/XX/2021. When I realized I was broken into and that my Square reader was stolen, I contacted Square and asked that my account be frozen. After I had requested they freeze everything, they then allowed the person that robbed me to hook up their debit card to my account and also generated a Square checking account and debit card. I have requested that they share the information of this person so that I can serve them, but they will not. They will also do nothing to secure my account ( such as cancelling the card so the robber can not use it ) so that I can have access to my funds again for my business. They have told me that law enforcement can contact them and they MIGHT be able to share the information, but there is no guarantee that they will. We are 7 weeks from the robbery and the police department has still not been able to assign a detective because the are so overwhelmed. However, I am already out almost {$3000.00} between the cost of fixing the windows, things that were stolen and I would like to be able to serve the person that broke into my business and for my account to be secure. I believe as the actual customer that has engaged Square, they should be able to keep my money safe and protect myself and my business instead of shielding/protecting the person that committed a felony.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

Re : Request for investigation and removal of inaccurate late payments on account XXXX, Account Number XXXX Dear CFPB Representative, I am filing a formal complaint regarding inaccurate information reported on my credit report related to my XXXX account XXXX account XXXX XXXX. Specifically, late payments were reported for XX/XX/year> and XX/XX/year>, which I believe to be inaccurate due to the legal protections in place during the XXXX pandemic. 

The following federal laws protect my consumer rights and have been violated in this case : 1. CFRA ( Fair Credit Reporting Act ) This law requires that any negative information on credit reports must be accurate and verifiable. In this case, the reported late payments do not reflect my financial situation during the protected period under XXXX regulations. 
2. CARES Act ( Coronavirus Aid, Relief, and Economic Security Act ) Under this law, if a financial assistance or deferment agreement was in place due to hardships caused by the pandemic, payments should be reported according to the terms of that agreement. During the period in question, I was under a XXXXrelated assistance plan, so the late payment information is inaccurate. 
3. TILA ( Truth in Lending Act ) This law requires creditors to provide clear and accurate information to consumers. The account statements for the months in question do not reflect the XXXX assistance terms, violating this requirement. 

I have attempted to resolve this issue directly with the credit bureaus and the creditor, but I have not received an appropriate resolution. Therefore, I am requesting the CFPBs intervention to investigate this matter and ensure that my credit report is corrected in accordance with the legal protections provided during the XXXX pandemic. 

Attached is a copy of my credit report highlighting the inaccurate late payments, as well as supporting documentation showing that I was enrolled in a XXXX assistance plan. 

Thank you for your attention to this matter. I look forward to a favorable resolution that ensures the accuracy of my credit report. 

Sincerely, XXXX 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. (FL)

My account with TransUnionwas 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 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. 


TransUnion 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 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I am asking for your assistance regarding this misleading account that appears on my credit report. I have raised this issue because it has harmed my reputation, and I need your help. Your poor management of my credit report has put me in a difficult position, as this false information has ruined my reputation. You must eliminate this incorrect data from my credit report.
Consumer complaint received 2022-02-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (OH)

During the week of XX/XX/XXXX a company called CashApp sent me XXXX different " debit '' cards attached to my monetary account with the company. CashApp is only supposed to send you these cards if you ask for them, because they have no customer service phone number I reported these fraudulent cards to the company over XXXX. I have seen complaints of many other customers getting debit cards they didn't ask for, the only way to get customer service about possible financial fraud this company is committing is to say something on XXXX  of their social media platforms. I didn't trust giving information about the fraudulent cards tied to my monetary account out over the internet so I followed a link given to me by the " customer support '' agent over XXXX. The link sent me to a page to report my problem to the CashApp team, so I filed out the information about the fraudulent cards. Then the " customer support '' emailed me with a short list to submit information about the cards and an encrypted file dropbox link to submit the information. I can not type out the information they asked for in the file link they sent me, I asked several time to several different agents how I am supposed to use the link they keep emailing me. I asked if I should type all the information in a Word document and drop the file in the secure link or if I should answer the name and address information they asked for in an email and then submit picture files of the cards to the secure file dropbox link they kept sending me. They never answered my question and now are ignoring me all together, leaving me with XXXX fraudulently opened cards and no way to delete or unlink the cards from my monetary account. I have spent XXXX hours today trying to delete fraudulent cards I never ordered from this company and now they are completely ignoring me, leaving me stuck with XXXX fraud cards.
Consumer complaint received 2015-08-18
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: DYNAMIC RECOVERY SERVICES, INC. (CA)

I was contacted by Dynamic Recover Solutions ( XXXX, SC ) about a debt from 2001 that I supposedly still had n't paid. I do n't have a debt outstanding from that time, plus it 's been XXXX years. They rattled off ALL of my personal information, including my SSN, address, current loans, phone number, etc. this is VERY scary. 

I told the person that I wanted to dispute the collection and they said I could " settle '' the collection for {$150.00}. The call ended and I decided to do some digging online about this company. Come to find out, they routinely contact people with fake outstanding balances, most of which stem from XXXX years ago. They press and press and press to get vital personal information turned over to them. 

When I arrived home, my wife had informed me that she had received a call from them too. XXXX minutes after my call. This is an obvious phishing scam, and I believe these people need to be stopped and prosecuted for fraud. It 's insane to me that there pages and pages of complaints and XXXX submissions, yet they are still calling people.
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. (IL)

I am reaching out for your help with this wrong account that is affecting my credit report. This issue has tarnished my reputation, and I need your immediate assistance. Your improper actions have damaged my reputation, and you must remove this incorrect information.
Consumer complaint received 2022-01-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (OH)

I received two unauthorized pre-paid cards ( 1 ) XX/XX/XXXX and the other XX/XX/XXXX of 2022, in the mail via CashApp. Both have my address and full name on them. I have never signed up with CashApp prior to receiving these cards, for some reason you need an account to talk to their customer support, which is in app and then they email you for further assistance. I have reported these cards there. I have not received a response from this company in regards to if these accounts will be terminated. I don't know the extent of what info is needed to gain access to create a pre-paid debit card through their app. I am concerned that this will continue to happen and I will have multiple cards sent under my address and name.
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have noticed that my credit report is inaccurately showing late payment marks that do not reflect my actual payment history. These late payment marks are incorrect, and I have included documentation that supports the timely payments I made during the reported period. Under the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to maintain accurate information on credit reports, and these late payment marks are a violation of that requirement. 

I am requesting that the inaccurate late payment marks be corrected on my credit report.
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)

My account with TransUnion 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 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. 


TransUnion 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 2024-10-02
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. (TX)

TransUnion sent me a letter falsely accusing me of using a third party to dispute unauthorized inquiries on my credit report and refused to remove them. These inquiries lack permissible purposes such as employment, insurance, or firm offers of credit, as outlined in the FCRA. TransUnions failure to investigate properly and their stall tactics violate my consumer rights. 

I, XXXX XXXX, confirm these inquiries are unauthorized and demand their removal. An FTC report was mailed with the dispute letter. Attached is an invoice for the violations committed. Payment should be remitted to the address on the invoice.
Consumer complaint received 2022-01-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc. (VA)

XX/XX/XXXX was my birthday, my son XXXX gave me {$500.00} and my Husband gave me {$100.00} total of {$600.00}, in the same day at XXXX I contacted Cash App cashing my money to my bank account normaly it takes two to three days, when i checked my bank account the money was not there, then I checked my cash app acount and found out they transefer my money to XXXX debit and that person paid cash app fees of {$9.00}, then I contact Cash App to let them know that I did not casp up my monry to this person with XXXX debit and myself I don't have XXXX and also I let them know that you have my account, my bank information, my name, my address, my phone, They keep telling me that I autorized the transcation that they investigated, now I asked them to give me that person information they could not provide me with the informations they keep teeling that the transction was autorized, I know for sure You not do cash App transction without having cas App account, why they refuse to provide with necesary information????, I contacted XXXX same responseXXXX XXXX  give your information, I'm a XXXX XXXX XXXX living in fix income I don't see why I will autorized unknow person to cash my money?
Consumer complaint received 2022-01-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (TX)

So cash app has a referral bonus going for inviting people and on atleast 6 or 7 invites ive completed the steps as required and was not awarded my bonus and neither was the people i invited. When contacting cash app customer service they just copy and paste the steps to get the bonus and say thats all the information they can give and end the chat. They in no way try to actually help or solve the problem. There was even an instance when one of the people i invited contacted their XXXX  support and XXXX support told them that the payment was issued but could not be completed by cash app and that the payment would not be re issued. What!? So a cash app payment could not be completed by cash app and it will not be reissued meaning I should have gotten the payment but since your system didnt complete it im just not going to get my money? That is extremely messed up and fraud this company needs to be regulated more or shut down for their fraudulent actions and lack of customer support. They dont care about their customers or attempt to help them they just copy and paste boilerplate responses then send you on your way with absolutely no resolution to your problem. I just recently sent a invite to my younger cousin and he used my referral code he sent me the required {$5.00} and he added a new debit card and the referral wasnt given to us and when he contacted customer service they just copy and pasted the steps to get the referral which he did and ended the chat.
Consumer complaint received 2022-01-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (MO)

I received a cash app visa debit card I did not apply for. I tried to call Cash app and their XXXX the company did not reply. I've already reported fraud on another account. I'm frustrated that these companies just allow people to apply and send visa debit cards for them to scam other people in innocent peoples names. I placed a fraud alert with all 3 credit agencies, so they clearly used my social and didn't adhere to the alert. I want them to delete this account immediately. I want them to send me confirmation it's been deleted. This is fraud!!! I also think some sort of class action lawsuit should be filed on all companies allowing this to happen. They are supporting scamming and should be held accountable. Please please file this complaint with Cash App/ Square and ask them to delete NOW and notify me it's been done. Thank you
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. (PA)

: Formal Dispute of Inaccurate Credit Information - Account # XXXX Request for Immediate Deletion** Dear TransUnion, XXXX, and XXXX, XXXX recently checked my credit report, I am writing to formally dispute the inaccuracies in the reporting of account # XXXX on my credit file. After reviewing the information provided by your bureaus, I have identified significant errors and inconsistencies that are in violation of my rights under the **Fair Credit Reporting Act ( FCRA ) **, **Truth in Lending Act ( TILA ) **, and **Fair Debt Collection Practices Act ( FDCPA ) **. I demand the immediate deletion of this account from my credit reports in accordance of 15 USC 1666 ( b ), for the following reasons : I have attached supporting documentation.