davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc. (DC)

On XX/XX/2021, I tried to transfer funds from my Square merchant account to my bank account, as I do normally. I got an error message that said, " Instant Transfer Unavailable : We were unable to transfer funds. Please visit our Support Center for details ''. I didn't even initiate an Instant Transfer. I chose the standard, 1- 2 business days. I visited the Support Center, a very broad, general resource. I went through all channels of communication they have available. There is no phone line. After submitting the " email '' option by way of a parameter text box on their website, it says that you will get a response in 24 - 48 hours. Four days later, I decided to submit another email through the website. I have yet to get a response. 

After going to XXXX, I realized that this is happening to a number of small businesses. Square is withholding funds without any notice or response to the matter. Some business owners have said that their balance now says XXXX as their balance. Mine currently has {$1600.00}. 

I would like access to my funds immediately before mine shows as a XXXX balance. Please, please investigate Square now.
Consumer complaint received 2021-09-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (NJ)

On XX/XX/XXXX I received a notification from Cash App stating my account was overdraft although I had XXXX in my balance. Cash app continually stated my issue was being escalated and I would receive an email, however that never happened. I continued communicating ( i have photos to prove ) and still have heard nothing back today ( XXXX ) in a span of a few hours twice my cash app account, which I have removed all of my personal banking information from, has had negative balance because someone is removing funding I do not have in there and have not used. Cash app will not respond in regards to this or help in any manor. Also on XX/XX/XXXX it was a news article put out that cash app had been hacked and peoples personal accounts interfered with but again they are not helping to rectify the problem. I have now lost XXXX and now have a negative balance of XXXX for as they are showing failed attempts
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. (IL)

I discovered again that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-17
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: Experian Information Solutions Inc. (TX)

I recognize the importance of removing any incorrect information from my credit report as specified by FCRA 605B. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning.
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. (IL)

I recently received a copy of my 3 Bureaus consumer report and I noticed inaccurate information posted on my consumer report : XXXX XXXXXXXX XXXX Balance {$0.00}
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following personal information is incorrect Former : XXXX XXXX 2. The following personal information is incorrect Also Known As : XXXX XXXX 3. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 4. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX NC XXXX 5. The following personal information is incorrect Employers : XXXX XXXX XXXX 6. The following personal information is incorrect Employers : XXXX XXXX XXXX 7. The inquiry was not authorized EXPERIAN XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
8. The inquiry was not authorized XXXX XXXX XXXX. 
Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
XXXX. The XXXX XXXX XXXX is incorrectXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 
XXXX. The following personal information is incorrect XXXX : XXXX XXXX XXXX. The following personal information is incorrect Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX 14. The following personal information is incorrect Employers : XXXX XXXX XXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX
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. (VA)

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXXXXXX XXXX XXXX XXXXXXXX
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. (NY)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate accounts in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-02
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

THESE COMPANY ARE IN LITAGATION UNDER THE DOCTRINE OF ESTOPPEL V GRAVENS ( MO ) 281 SW 715, 719 I MAY PREESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORENANY SUCH DEBT, IN FACT EXIST. 

HOWEVER, I am Attaching a Certificate of Discharge AND An FTC REPORT FOR YHE COMPANIES INVOLED and if this persist IWILL BE FORCE contact the SEC TO LET THE KNOW ABOUT THIS SECURITY FRAUD
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. (TX)

I am personally submitting this complaint regarding late payment entries on my credit record. Upon examining my files, I discovered these late payment notations. Despite sending correspondence about this issue more than 30 days ago, I've received no reply, nor have I been provided with adequate validation. I request your assistance in addressing this matter swiftly and effectively.
Consumer complaint received 2021-09-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (IL)

On XX/XX/XXXX I went to try and process my payroll on Square 's platform and it said that it could not process my payroll. My account looked lower than usual ( $ XXXX ) so I transferred funds from their Square Savings. It showed as a {$4500.00} transfer out of my savings and a {$4500.00} transfer into my account- but my account balance showed as {$0.00}. The {$1700.00} on the account and the {$4500.00} disappeared!

I contacted them via phone and they said they'd look into it and get back to me. They did not call me back. I called the XXXX and I was promised an email. I called a second time and they said they expedited the process. 

On the XXXX, since they have no phone support over the weekend, I tweeted their platform. They got back to me over XXXX within an hour and said they escalated the issue but could not give me an answer as to when it would be resolved. My balance is still {$0.00} even though we had made over {$1500.00} in sales that day. 

We have made over {$2500.00} in sales since the XXXX and it's still showing as a {$0.00} balance. They are still pulling from my sales to pay for my Square Capital Loan, even though I don't have access to any of those funds ( which tells me on their end their system is able to compute the amount of money made, as loan payments are an automatic withdrawal prior to depositing into my account. ) On XXXX I found other customers who have had the same issue this week. I rallied with them, fustrated at this issue and @ Square blocked my account on XXXX! 

They refuse to be transparent about their platform issues and refuse to make an announcement and my balance is still {$0.00}. I have an equipment loan to payoff! I have employees to pay. 

I strongly advise from using Square or promoting Square.
Consumer complaint received 2023-08-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Berman & Rabin, P.A. (TN)

I used XXXX for the purchase of my CPAP. I was never informed it was a rental, was sent unbelievable amounts of supplies and billed. I was never told I had to go back to them and have another test. Besides, XXXX does not tell me I need more testing my doctor does. They never billed my insurance even though they have the information. I was told a year ago when I called them I owe nothing. I received in XX/XX/2023, 1 year later after I was told on the phone I owed nothing, a letter stating I owe them {$450.00} arrived. They have refused to speak with my wife or my insurance carrier, XXXX. But in an attempt to resolve this issue XXXX did a conference call with them, my wife and the young man. They promptly hung up on this vitriolic conversation. As always they are rude and hang up this is how they resolve things. I have sent numerous letters Certified mail after they sent me to debt collection company. In each letter I have asked to have the invoice showing services, what I paid etc. To date, I have not recieved anything pertainign to my requests from the debt collection company or XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX, sent me a letter once again with no invoice of services rendered etc. She alleges I received numerous letters requesting I return the unit etc. I have NEVER received any such letters to date. Even if I return or pay this amount, what is to stop them from billing me more etc.? I feel they are trying to take advantage of me since I am a senior citizen. Help
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the XXXX XXXX XXXX XXXX on accuracy and completeness of credit information I am formally writing in XXXX to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Dear Sir/Madam : I checked my personal consumer report which I acquired from your organization and I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint which is attached. Please block and remove these inquires The following items do not belong to me and is a result of fraud that I did not authorize : Block and remove inquires XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX ( " XXXX '' ) engaged in aggressive behavior which greatly impacted my credit score preventing me from obtaining a favorable interest rate. In preparation of obtaining a car loan, I issued a payment for {$7500.00} to pay off the card on XX/XX/2023. My credit limit was {$7900.00}. On or about XX/XX/2033, I made a purchase on {$710.00} on the credit card. Without any warning or valid reason, XXXX reduced my credit limit to {$800.00}. This immediately impacted by credit score since it showed a maxed out credit card on my report. I immediately paid off the card for {$710.00} near the same time. After multiple calls, my credit report still has not been updated.
Consumer complaint received 2023-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

In accordance with the fair credit reporting act, EXPERIAN has violated my rights by having XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX on my reports. 15 U.S.C 1681 section 602 A states I have a right to privacy. 15 U.S.C 1681 604 Section 2 states a consumer reporting agency can not furnish an account without my written instructions.
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
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. (MS)

After reviewing my submission I noticed that the Credit Bureaus stated that my account was properly investigated but how is that possible when some of the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are inaccurate? This is grounds for removal. 
They also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 USC 1681 Section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

15 USC 1681b ( a ) ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 
If these accounts are not removed I will be reporting you to the XXXX, and I will be contacting the Federal Trade Commission, and I will be filing a lawsuit against your consumer reporting agency for violation of privacy and pain and suffering.Account : XXXX XXXX XXXX credit card XXXX Account : XXXX XXXX  XXXX credit card Account : XXXX XXXX XXXX XXXX credit card Account : XXXX  XXXX Education Account : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX charge card Account XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account Account : Account
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. (FL)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX Balance : XXXX  XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXXXXXX Balance : XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-08-02
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. (MD)

I have some unauthorized inquiries on my credit report I need you take off these because they are effecting my credit. 

XXXX XXXX XX/XX/2022 XXXX  XXXX XXXX XX/XX/2022 PLEASE HAVE THIS REMOVED ASAP this violates my rights I never authorized these..
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. (FL)

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.