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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In XX/XX/XXXX, I discovered multiple unauthorized inquiries and inaccurate collection accounts on my credit report. These entries were made without my knowledge or consent, and they violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) and 15 U.S.C. 1681s-2.

# # # Unauthorized Inquiries : Under 15 U.S.C. 1681b ( c ), a consumer reporting agency may only furnish a consumer report with the explicit authorization of the consumer. The following inquiries were made without my authorization : Unauthorized Inquiries : XXXX. XXXX Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX  XXXX Date of Inquiry : XX/XX/XXXX XXXX. XXXX Date of Inquiry : XX/XX/XXXX These inquiries were unauthorized and are negatively affecting my credit score. I have contacted the companies responsible, and they have no record of any authorization from me. This violates the FCRA, and I am requesting immediate removal of these inquiries from my credit report.

# # # Inaccurate Collection Accounts : In addition to unauthorized inquiries, there are several collection accounts on my credit report that are inaccurately reported. Under 15 U.S.C. 1681s-2 ( b ), furnishers of information are required to ensure the accuracy of the information provided. However, these collection accounts have been paid in full or are inaccurately reported and are damaging to my credit : Fraudulent Accounts in Collection : XXXX ) XXXX XXXX Account Number : XXXX XXXX ) XXXX XXXX XXXX Account Number : XXXX Despite providing all the necessary documentation and complying with the required procedures, the credit reporting agencies have failed to remove the fraudulent items within the legal time frame. These errors have negatively impacted my credit score and have created undue hardship for me. 

I am seeking your assistance to ensure that these fraudulent items are permanently removed from my credit report and that the credit reporting agencies comply with the obligations set forth by the Fair Credit Reporting Act ( FCRA ). 

This description provides the CFPB with the details they need to address your dispute. Make sure to adjust the placeholder fields like dates and amounts to match your specific situation. Let me know if you need further modifications!
Consumer complaint received 2024-08-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2022-03-12
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. (OR)

The successful transactions occurred on XX/XX/2022. It was the second time. 
The first attempt was on XX/XX/XXXX. However they were held as pending and eventually cancelled 3 weeks later. 
I was on my phone when the transactions occurred, so I was able to transfer my remaining funds out ( for a fee, conveniently paid to cashapp ) and flag my card as compromised. The next day the managed to get 3 transactions through on the new card that hadn't even been mailed out or activated yet. 

All attempts have been transactions from XXXX stores in NY. I've never been to New York. I'm in Oregon. Including attempts and successful ones, there have been 13 transactions total ( so far ) and each set is on a new card that hasn't been activated or even removed from the envelope. 

I reported my card stolen and the next day, before I even got my new card, 3 more transactions for XXXX NY went through. These 3 transactions totaling over {$1200.00} are the ones I am disputing because I lost money. I called XXXX as suggested by Cashapp support and they can't locate the transactions and Cash App hasn't been very helpful at all. Now that the transactions aren't pending anymore I have disputed them and waiting to hear back. I filed the dispute on XXXX, XXXXThey stated I would hear back in 10 days. Nothing received. Filed again on XX/XX/XXXX. No response. Filed again on XX/XX/XXXX. 

I thought I was ok because I had a new card. Nobody had access to it. I hadn't even received it yet. I uninstalled cash app, logged out, force closed it, changed my pin. And even after doing all that, many other charges tried to go through but I had deactivated the card as soon as I requested the replacement. It has to be someone internal to cash app that's leaking info. 

This is a widespread, ongoing continuous stream of fraudulent activity that Cashapp and XXXX refuse to address and/or prevent. 
A brief internet search shows many people wit the exact same narrative. Usually at one of several XXXX stores in New York.
Consumer complaint received 2022-03-09
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (MS)

I have a cash app bank account that was fraudulently charged multiple times by two companies. The 1st fraudulent charge was on XX/XX/XXXX XXXXXXXX XXXX  2022 and XXXX XXXX  is the company that charged me {$1.00} that did not go through. Following that charge a company called XXXX XXXX XXXX charged me for numerous amounts of transactions that drained my account. I have pictures which show a list of the fraudulent charges and their amounts. Some transactions went through and some did not. I have not lost the debit card that goes to the account or given out my information. I have contacted cash app numerous times concerning this matter and they did refund a small amount of these transactions amounting to XXXX something dollars out of the XXXX approximate dollars that were stolen. I have never spent money with any of these companies nor do I spend money that frivolously. Cash app 's website says that your money will be secure with them but that has not been my experience.
Consumer complaint received 2017-03-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

I 've initiated several disputes with Experian over the last year for erroneous accounts that are not mine. I '' ve followed every step they 've outlined and that your site has told me to do. Still having issues with some accounts because I guess they want to collect more money from these creditors because they get paid to report negative. It 's hurting my family. Below are some documents I sent to them on several occasions. It seems they keep accounts/collections on credit reports because the credit bureau will make more money the longer it 's there. XXXX & unknown medical collections are one in the same, but neither one can help. So how is it the Bureau claims to have all the info, but they ca n't find me in their system. First credit keeps reporting every month even after receiving my documents months ago, and the debt supposedly was a vacuum cleaner?? and there is a loan fro XXXX? No clue even after calling their fraud department. I would never get a vacuum for this much and would n't buy it from a place called XXXX. What I 'm uploading now is just XXXX of many. I am hoping to get some resolution to this and focus on my children and work. Hope this finds you well Consumer financial protection bureau. Thank you for hearing me and my husband today.
Consumer complaint received 2024-09-26
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: Experian Information Solutions Inc. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In XX/XX/XXXX, I discovered multiple unauthorized inquiries and inaccurate collection accounts on my credit report. These entries were made without my knowledge or consent, and they violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) and 15 U.S.C. 1681s-2.

# # # Unauthorized Inquiries : Under 15 U.S.C. 1681b ( c ), a consumer reporting agency may only furnish a consumer report with the explicit authorization of the consumer. The following inquiries were made without my authorization : Unauthorized Inquiries : XXXX. XXXX Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX  XXXX Date of Inquiry : XX/XX/XXXX XXXX. XXXX  Date of Inquiry : XX/XX/XXXX These inquiries were unauthorized and are negatively affecting my credit score. I have contacted the companies responsible, and they have no record of any authorization from me. This violates the FCRA, and I am requesting immediate removal of these inquiries from my credit report. 
# # # Inaccurate Collection Accounts : In addition to unauthorized inquiries, there are several collection accounts on my credit report that are inaccurately reported. Under 15 U.S.C. 1681s-2 ( b ), furnishers of information are required to ensure the accuracy of the information provided. However, these collection accounts have been paid in full or are inaccurately reported and are damaging to my credit : Fraudulent Accounts in Collection : XXXX ) XXXX XXXX Account Number : XXXX XXXX ) XXXX XXXX XXXX Account Number : XXXX Despite providing all the necessary documentation and complying with the required procedures, the credit reporting agencies have failed to remove the fraudulent items within the legal time frame. These errors have negatively impacted my credit score and have created undue hardship for me. 

I am seeking your assistance to ensure that these fraudulent items are permanently removed from my credit report and that the credit reporting agencies comply with the obligations set forth by the Fair Credit Reporting Act ( FCRA ). 

This description provides the CFPB with the details they need to address your dispute. Make sure to adjust the placeholder fields like dates and amounts to match your specific situation. Let me know if you need further modifications!
Consumer complaint received 2022-03-08
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Block, Inc. (NM)

I had a square app for a buesiness that I was startingXXXX XXXX XXXX XXXX XXXX XXXX XXXX I opened up a square account. I made a charge on XXXX XXXX XXXX for {$1400.00} this was my own credit card to pay my employees and bills. The next day they suspended my account temporarily until I provided additional information I provided their information plus additional information I gave them a notarized letter saying that there will be no charge back because this was my credit card I charged they reopen my account and I was able to transfer some of it to my linked account and then made a charge to XXXX and then that evening all of a sudden they said we're going to deactivate your account now you have to wait 90 days to get your {$500.00} back this is to protect us against chargebacks I said I gave you a notarized letter saying that there will be no charge back because this was my card and you guys accepted that but now you are not and they said oh well our decision is final and we're going to hold your money for 90 days regardless there is no disputing this our decision is final and they've been keeping my money unjustifiably I said man you guys are going to be held liable because I have a car payment now they repossessed my car because they held my funds that I use for business and they refuse they say our decision is final we don't care about your letter and I told them this was the only charge so I told them there is not going to be a chargeback so what justification do you have to continue to hold my funds after that they stop sending me emails or any correspondence but they keep playing with me everyday sending me email saying instant transfer your money and then it says link disabled but they said I can have my money XX/XX/XXXX which makes no sense I want it now
Consumer complaint received 2022-03-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc. (CA)

I have {$200.00} locked in Cash App and they are so busy playing the covid-19 game were they are not taking anyone 's phone calls nor are they solving any problems. It's been months that I've tried to retrieve my funds from Cash App with no prevail. I've when to their XXXX site on several occasions trying to correct the problem and it's like communicating with a 2 year old robot that has yet to be programmed with the right intel while they are SOOOO BUSY plus COVID and any fool can see that XXXX. I've been trying to solve this problem since last year and i'm still at square one. How does America have they XXXX people in place straight doing fraud; committing crimes and its allowed? If at all possible, could you please step in and also begin an investigation, bring them up on charges and shut them down. Please feel free to contact me for ANYTHING that could possibly help to bring this establishment to NON-existence.
Consumer complaint received 2017-03-27
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (FL)

My mortgage company is Ocwen Loan Servicing LLC . I originally took a mortgage for a 10 year interest only and this loan was to turn into a 30 year fully amortizing loan on XX/XX/2015. Ocwen never adjusted the loan to a fully amortizing and 6 months later sent a mortgage coupon to me with additional fees and penalties after I had already sent my interest only payment. I requested that they research this and they did. They sent a letter apologizing for their error and stated that there would be no late fees or negative credit reporting. One year late after making XXXX consecutive, on time mortgage payment I receive another payment coupon from Ocwen stating that I now owe {$6700.00} as Fees/Other Charges. This is not how consumers should be treated. There is something seriously wrong with Ocwen and I am hoping you can help. Please elp, I am desperate at this point.
Consumer complaint received 2022-03-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (TX)

On XX/XX/XXXX, I made a purchase from XXXX XXXX from my cash app debit card. The transaction was cancelled and XXXX refunded the money back to my debit card. They provided me proof of the transaction. As of today, XX/XX/XXXX Cash App.has not returned my money. They first told me I had to wait 10 days. I called back in 10 days and they told me I had to wait 14 days. At 14 days they said I had to open a case. I did that. On XX/XX/XXXX they told me I had to wait 45 days. They owe me a total if {$350.00}. XXXX provided transaction info. I am getting the run around from Cash App and nothing is happening. If I email back in Case no one responds. If I call, they say I have to talk to people handling case. They will have them call. This never happens. Contacting you is my last resort before I file suit on Cash App. Can you please help?
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX  Account Name : XXXX Account Number : XXXX Account Name : XXXX & XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 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 2022-02-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NY)

On XXXX XXXX I lost my debit card. I called chase to file it lost and instead of closing my card completely they froze my account which is not proper procedure. The same day there was a unauthorized withdrawal of {$9500.00}. I filed a claim stating this was unauthorized. It was denied because they said I didnt report my card lost. I tried to refile the claim because I did report it. I called the same day I lost it but the person who helped me made a mistake and didnt close my card. They asked me to provide further evidence so I gave them the police report from when I lost my card. It was still denied.
Consumer complaint received 2024-10-04
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 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 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 months that are reported late 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  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 2022-03-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (GA)

On XXXX at XXXX XXXX I sent by accident XXXX from my cash app to my XXXX XXXX card ( XXXX XXXX XXXX XXXX XXXX ) well my bank said that I was over my limit and the network declined it saying they never received the money and it was sent back. Cash app says the network said it had been successfully sent. Ive called cash app and my bank.numerous times with several different attempts to.give my bank retrieval codes they said they never got.it so they couldn't use the code and they gave me a declined code for cash app well they said they wouldn't take it. Both places claim to have escalated my case to find out where my money was but noone seems to know. I have pictures where cash app told me that my money has went to 3different banks. I have 3 different retrieval codes.. This has really hurt me in paying my bills because this was all my money. Please help me find my money. Cash app charged me XXXX for it.to be instantly deposited to my bank so its actually XXXX that is lost.I 'll send more photos if I need to
Consumer complaint received 2022-03-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (LA)

I received two Cash App cards in the mail with my first, middle, and last name on them. The cards had different account numbers. On one of them, my middle name was capitalized and on the other one it wasn't. I have tried calling Cash App on multiple days and can not get anyone to answer the phone, no matter which option I select. A recording says that no one is available to take my call and hangs up on me. I was told by XXXX Bank that I need to contact Cash App through their app or call the phone number that I've already tried several times. I do not want to activate these fraudulent cards by downloading the app or by logging in to the app. I want to speak to someone from Cash App.
Consumer complaint received 2024-08-27
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. (LA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.