davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-02
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. (CA)

This account was charged off on the following date XX/XX/year>. Since then the account has repeatedly been updated as charged off every month. This is an update on the payment history. A charged-off account should NOT include an active payment history. This is inaccurate information that falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXXXXXX XXXX
Consumer complaint received 2022-01-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Block, Inc. (OH)

Contacted Cash App after debt/credit card opened in XX/XX/XXXX. Reported unauthorized card opened on behalf. Contacted Credit Bureaus. Sent documentation of account opened account to Cash App. Again in on XX/XX/XXXX Cash App credit sent to my address, without authorization.
Consumer complaint received 2024-08-02
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. (NC)

XXXX XXXX  is an inaccurate account on my credit report. TransUnion and XXXX both stated that they have validated this debt, but that is absolutely a lie!! The balance being reported on my credit report is over {$20000.00}, however my statement balance with XXXX is just over {$12000.00}. I have submitted dispute after dispute after dispute to get corrected. I have even attached proof the balance being report is inaccurate, but the dispute results continue to be returned validated. 

It is against my rights based on FCRA to have inaccurate information reporting on my credit report. This inaccuracy needs to be removed immediately. 

XXXX has even denied my ability to dispute this inaccuracy and will not accept another dispute. I have called and spoke with several representatives, none will assist me with thus.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My accounts 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/updated.

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.

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!
Consumer complaint received 2023-06-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: PLAID INC. (MD)

The company is called : Plaid. They do money transfers and payments like XXXX, I think. What I do know is, Plaid is only one security breach away from being utterly destroyed and will take out the financial lives of all their customers. They are incredibly irresponsible, and I wonder how Plaid hasn't been shut down. As a customer you have no recourse if something goes wrong. The TOS of their online banking says that if you disclose your username and password to any third party then you have no liability and yet they are asking for customers ' banking username and password in order to have an account! 

This company breaks 2 fundamental internet security rules : 1 ) never give credentials to a third party. The standard is to redirect the user to a login page on the website of the service providing the login, but Plaid doesn't do this, instead they provide the login form on their own website. Even worse Plaid allows services to embed the form in their website ( as a frame ), and it is impossible for casual users of the internet to tell the difference. This is an unsecure form, so is encouraging bad security practices. 2 ) even worse, Plaid provides a login page that looks very official showing the bank logo and using the bank 's color scheme.
Consumer complaint received 2024-08-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

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: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Block, Inc. (PA)

Cashapp has locked my account after I had tries to send money to my uncle one the app it said I would be contacted in 24-48 hours and it is well past that I have yet to hear from from them regarding the issue I have tried calling their support number no one answered I have reached out though the app I get a response but no information is given they refuse to answer any questions and provide no information and said for me to contact law enforcement they have cause a lot of stress and made me unable to handle personal and work related tasks that I couldn't afford lag on and now I'm it danger of loosing my job because of it I want my fund withdraw and the account closed I no longer want to have anything to do with them they showed no concern for me as a client.
Consumer complaint received 2023-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (OH)

I have contacted the 3 credit bureaus concerning late payments placed on my account from XXXX XXXX loan # XXXX. I was not late on my payments. I disputed with XXXX via mail XXXX. I requested XXXX send me proof of late payments and I was sent documents that did not clearly show a payment as late. I asked XXXX to remove these items and they say that they can not assist me in removing any negative reporting. All 3 credit reporting bureaus state they have verified but are not providing proof of such verifications. I have request multiple times over multiple years.
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. (MD)

Cash app /Square disabled my card 3 weeks ago and it hasnt been fixed yet... I keep Filing complaints a d nothing is happening... I am unable to pay my bills ... Due to this I have about 5 bills that are recurring monthly and I am getting notified about late fees and stuff because of this .... 

The card has been activated I have used it ... I am just tired of this ... It needs to be fixed ... If its not fixed soon ... I will be failing a federal lawsuit... They need to compensate me for my late fees and the inconvenience Pastor XXXX XXXX XXXX $ XXXX
Consumer complaint received 2023-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: GOLDMAN SACHS BANK USA (WA)

Dear CFPB, I am writing to submit a complaint regarding the Savings Account provided by Apple and Goldman Sachs, which offers a 4 % + return rate but requires applicants to have an Apple Card credit card as a prerequisite for applying. 

Upon applying for the Savings Account 's prerequisite Apple Card on XX/XX/2023, I was denied due to " insufficient credit history '' after Goldman Sachs only checked my XXXX credit history, which had a thin file on me. If they had checked my credit history with XXXX or XXXX, they would have approved me immediately. This situation exposes consumers to Goldman Sachs ' bias towards a credit rating company that does not take all possible measures to mitigate a thin file on an individual with a proven high credit score with other rating companies -- especially when the consumer 's ultimate goal is a Savings Account. 

I contacted XXXX regarding this issue and they advised me to plead with transaction parties sending data to other rating providers to also send data to XXXX, which is completely unscalable. 

I suggest the following action items be taken : 1. Apple should fix its Card application flow to have an appeal process with manual triage to review and mitigate obvious case errors. Their robotic denial process currently refers the consumer to XXXX to resolve issues. 

2. Goldman Sachs should reduce sampling bias by asking for credit rating from more than a single provider, namely XXXX, XXXX and XXXX. 

XXXX. XXXX should be held accountable for the consumer experience from a thin file and should be responsible for backfilling data available at other rating providers when a consumer can objectively prove the disparity. 

I request that CFPB investigate this issue and take appropriate action to ensure that consumers are treated fairly by financial companies. 

Thank you for your attention to this matter.
Consumer complaint received 2023-03-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Zions Debt Holdings (NC)

This problem started with one of my business with XXXX XXXX XXXX. I have several businesses with them and they are all in automatic draft, I never had an issue and I always paid everything on time. When the pandemic happened we shut down several locations, but we continued to paid our bills, this location was one of them. Not sure what happened with the account for this location that they stopped drafting the money, they never contacted me, and it appear that they had the contact from a disgruntled employee of ours not me. Now I find out on my credit report I have a collection for an amount and try investigating and its related to the account which I had no idea about. 

I contacted XXXX to see why is that charge, but XXXX can not give me any information since they sold the debt. I contacted the debt collection agency to see why they are charging that amount on my credit and how they got my personal information to hit my credit when this was a business account, but they have not given me any information, all they say I have to pay if I want that to go away from my credit. I filed a complaint with XXXX and they said its resolved and the debt is valid and they can not do anything about it. Now my credit is damaged, when I had a perfect score, and i can't dispute anything. They never contacted me to provide me proof of any debt, not even sure what contact information they have on file. 

I believe they use my personal information when I signed up for my house and added that information to my business information in order to report it to my credit report.
Consumer complaint received 2024-08-02
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. (GA)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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 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 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 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 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 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
Consumer complaint received 2022-02-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (MS)

Cash app refuses to give me access to my stimulus payments XXXX XXXX  XXXX they say for my own security I was able to obtain from the IRS the last XXXX numbers of the account that it was deposited to ( XXXX ) and I immediately give this information to Cashapp how come I lost access in the first place was because of confusion I had set up a new account and did not even realize it for almost a year well come to find out long story short someone apparently hijacked my account and im just assuming because I've not been able to talk with anyone from Cash app other than chat message im very disappointed in there customer service and lack of respect for me as a Citizen who simply tried my very best to deal with this in house with them but they refuse to help me at all so this is why im here today I just want and need my money no one will help me cause and i know im not the only person to have similar issues with Cashapp as soon as i figure out how im gon na seek compensation for XXXX  months of XXXX simply because they are pathetic when it comes to Customer Service they should be shut down and never allowed to operate in our Country it's nothing but a safe haven for criminals and scam artist First deposit XX/XX/XXXX second deposit XX/XX/XXXX
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-08-02
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. (CA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-08-02
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. (NC)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2022-01-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (IL)

This payment was supposed to be for a deposit towards the rental. It was Fraud. 
They mislead me with false charges towards a rental that never existed. 
I've tried to contact these scammers multiple times for a refund. No response or refund. This has caused a hardship. 
This amount goes with the other disputes i filed in the past towards the rental lease. Its all fraud and was a scam. 
This case should combine with my previous disputes as one combined request of fraud. 
Id appreciate it if you reopen the case and label this as fraud. 
I have sent all of my records and documents to the email prior to this. 
Here are the additional payments that i recognized in addition to previosu amounts i filed a dispute for. 
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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (PA)

XXXX XXXX XXXX XXXX has been Fraudulent activity going on with CASHAPP. I have reached out numerous times along with complaints about this matter, the transactions were made in XXXX XXXX FL. on the dates said above I have no affiliation with this place or anyone in XXXX XXXX FL. each time I noticed money was taken I tried to get help I dont know what else to do at this point but to reach out to CFPB. Crazy thing is CASHAPP refunded me one {$50.00} payment that was taken from the place above but not all. I have made so many complaints, I was able to get one person over the phone, Ive even contacted the XXXX page for CASHAPP still the matter has not been resolved this is just too much money to let go of. Please help
Consumer complaint received 2023-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

XXXX has failed to comply with the Gramm Leech Biley Act 15 USC 6802. They never gave me the ability to opt out and used my information without my permission, which is identity theft.

There was also no Permissible purpose for Account # XXXX and Account # XXXX to be listed on my credit report. Both permissible purpose law ( 15usc1681b ( A ) ( 2 ) and the GLBA have been violated and it is identity theft. 

According to 18 USC 1028 ( a ) ( 7 ), it defines identity theft which is just someone possessing, transferring or using a means of identification of another person unlawfully. This is what took place. 

XXXX, XXXX, Experian and XXXX " regularly engage in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports.

These companies have all violated either of the two which both constitute identify theft.

I have contacted the Attorney General 's Office, XXXX, FTC and the CFPB numerous times and nothing has been done about the violation of my consumer rights. 

I demand Account # XXXX and Account # XXXX to be removed from my credit report and file or I will be seeking statutory damages since you willfully violated the obligations under the FCRA.