davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc. (NE)

I received a text message indicating I was receiving a deposit to my Cash app account. I logged into my account and no such deposit was pending. I thought an unauthorized party was attempting to access my account, so I changed the PIN on the account. I immediately received confirmation of my PIN change from the same number that notified me of the incoming deposit. This leads me to believe that the number from which the alert was sent is a legitimate number, however, there is a privacy issue somewhere. 

I contacted the company who then advised some other customer had probably mis-typed my phone number by accident, and that my only recourse was to wait for that customer to realize the mistake and correct it. Not only are the alerts alarming, but they violate privacy of both myself and the other account holder. After several minutes of trying to explain why this is a serious security breach and waiting is not an acceptable resolution, I asked for a supervisor. 

The supervisor informed me it is not possible for XXXX phone number to be associated with XXXX accounts, and then advised that I should educate myself on phishing attempts and act accordingly. I again provided screen shots that showed the same number was providing the alerts from my account, as well as alerts from another account, but the supervisor disconnected me without providing a solution. 

I again contacted the company explaining this serious breach of privacy and security. The support team advised me to toggle the notifications off, then on again. I did this suggested action as well as uninstalled and re-installed the app, then toggled the notifications off/on again, to no avail. I continue to receive notifications from another customer 's account. 

I contacted the support team again, and they suggested I simply opt out of account notifications. I pointed out that this would then deprive me of any notification where an unauthorized party was trying to access my account, but no further solutions have been provided. 

I continue to be extremely concerned that this company is wholly unconcerned with the security and privacy of its customers/account holders. I also am still receiving notifications from the other account ( not mine ), even now. This violation of privacy and security needs to be addressed, as we are talking about not only currency, but the potential for hacking into banking accounts that are linked to these accounts in the app! The security of my funds is critically at risk, and it is vital that we review the policies and procedures of this company, and ensure the privacy and security of account holders is more conscientiously guarded and protected!
Consumer complaint received 2024-06-29
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)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that was in fact paid on time. The consumer reporting agencies have need to report all information with complete accuracy. This account has not been late on payments. I've attached a copu of my report to this complaint on these date XX/XX/year> and XXXX 'm now requesting you to investigate and provide verifiable proof with records showing that I had late payments. If this information can't be verified. I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2022-10-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc. (FL)

Yes I hired a contractor to to do work to my home the under the roof soft at work he wrote me a contract the total was for {$700.00} I gave him a {$350.00} deposit and he said he would be back the next day to start working and he never showed back up I reached out to my bank and they don't have any rights to cash up or their form of payment I reached out to XXXX XXXX  and explain to them that I was defrauded and scammed and they did nothing for me to help me recover my money so I'm hoping that there they said something in their contract or something I never seen anything saying that they're not responsible I don't know but I just want my money back I'm so upset
Consumer complaint received 2022-10-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc. (UT)

I am reaching out with regards to CashApp. I was defrauded on XX/XX/XXXX of {$4000.00}. Cashapp stated that they will investigate the issue and see what can be done. 
They refused to go after or prosecute the people who took my money and stated that I gave the defrauders access to my account based on my transaction history, when I clearly let them know that this was not the case. 
That was their resolution. They immediately closed the case after that without trying to help me recover the funds that were stolen. 

The ticket number with Cashapp was XXXX
Consumer complaint received 2024-06-28
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. (TX)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-06-28
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. (OH)

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.

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 2022-10-25
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. (AZ)

So i reported to them and sent them screenshots of my messsages trying tonresolve charges where i was basically buying one thing and i either never received it or if i did receive it it wsd buy in no means what i ordered. They refunded 2 charges but not the main ones. I asked for there reasoning theyve failed to send me report number and any details about disputes.. as you can see from attached files i ordered items from an online auction which i either never received the items and if i did it wasnt what i ordered. So i was either charge as the website said a glitch in the auction cause as you can see. The sellers blamed it on the lag but didnt fix the issie that i was out money. Cash app didnt care. 
XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX. 
They didnt even ask me what happened. They did nothing except deny my claim.
Consumer complaint received 2022-10-26
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: EQUIFAX, INC. (NC)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-07-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (CA)

Dispute Nunber XXXX Someone used my card when I first got it and took XXXX  dollar out on XXXX XXXX after that all the other ones was me and I guess I didnt notice I want my money back chime. I will fight it in court if I have to
Consumer complaint received 2019-07-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ARVEST BANK GROUP, INC. (OK)

Yesterday XXXX-XXXX-19 a process server brought a summons to my house to get a response. The summons is for Arvest, however the debt is for Security Bank Card. I have never received any prior communication of this debt from this company. In fact it is still showing in good standing on my credit report. Per Collection laws they must give me prior notice of intent to take me to court. This is par for this company and I am filing another complaint on their practices as well. Also filing claim under Arvest when it is Security Bankcard center is another violation of the Collection laws. Misrepresentation.
Consumer complaint received 2024-08-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I requesting method of verification for this account XXXXXXXX  {$650.00} Account # XXXX. This account was charged off and The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate. 
15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of e rrors 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.

the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ii The information is, in fact, inaccurate. 
Duty a moral or legal obligation ; a responsibility Accurate, correct in all details ; exact. 
PROHIBITION : a law or regulation forbidding something As Defined by The IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return.
Consumer complaint received 2024-06-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

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 2024-06-28
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. (TX)

Im in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX XXXX XXXX account number XXXX. 

In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so I may follow up. Please send me an updated copy of my credit report after your investigation.
Consumer complaint received 2024-06-28
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. (FL)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2022-09-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Block, Inc. (GA)

My initial complaint was on XX/XX/2022. I received payment XX/XX/2022. Square advertised " Instant Transfer '', which is not true. The original complaint ID # XXXX. Today is XX/XX/XXXX, XXXX, four days later, and Square is unapologetic holding my funds, being unavailable using the " Instant Transfer '' option sent to my email. I have the screenshots from Square that I received on yesterday, XX/XX/2022. Square really needs to be more socially responsible and stop with the " extra hidden fees, false advertisement and holding customers funds which is very unprofessional. Square needs to be held accountable for the way my account and transfer is being handled. Unacceptable on all levels.
Consumer complaint received 2019-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc. (GA)

usc section 1681 states that there must be written authorization from the designee for any inquiries and also section 609 of the fcra states there must be signatures in order for this to be legal these are illegal practices by these companies and if not seased now i will take legal action immeadiately these inquiries are unknown and unauthorized
Consumer complaint received 2024-06-28
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. (TX)

Im in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX account number XXXX. 

In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so I may follow up. Please send me an updated copy of my credit report after your investigation.
Consumer complaint received 2023-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

I am writing to express my concern about the current policy of asking consumers to send sensitive personal information via traditional mail, such as driver 's licenses, social security numbers, addresses, and utility bills. While I understand the necessity of collecting this information for credit reporting purposes, the current method poses significant risks regarding potential loss, theft, or misplacement, which could further compromise individuals ' credit security. 

I've attached the recent response and all requested documents uploaded to this secure portal.
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

update the late payment to My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX 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 paid as agreed
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2023-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (VA)

I have written letters via certified mail to notify Experian that they are reporting inaccurate information and information that does not belong to me. I have also sent a notarized bill, state identification card, and letter for Experian to update my address and personal information. My Experian file should only show one address. Information that is inaccurate or fraud should be deleted immediately from companies : XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX  XXXX.
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I'm in disagreement with the account listed below which still appears on my credit report, Even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

ACCOUNT XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXXXXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI Section 611, Please provide the names and business addresses of each individual with whom you verified the above accounts so that i may follow up.

Please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2024-07-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (TX)

I was charged twice at a hotel. I only booked XXXX room. The hotel has no record of a second transaction and can not issue me any receipt. I submitted a dispute with citibank and they would not issue me a credit. I filed an initial complaint with the CFPB and after a while citi said they sent a response to me, but after calling them on the phone they confirmed that they did not send a response and the issue is still in review. There is no option to re-open a CFPB complaint, so this new one is filed.
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XX/XX/year> I sent certify letters off to XXXX Transunion and XXXX requesting the removal of inaccurate accounts on my credit report that are affecting me. I did include my two forms of identification. Accounts I disputed still remain on my credit report many that do not even say " currently in dispute '', accounts showing as an open collection, companies I have not heard of or recall having an account with such as XXXX. I asked them to validate an account called XXXX XXXX on my credit report and also all of these accounts I am mentioning have missing information, the payment history is not matching with the date accounts were open, there are just so many invalid entries that I can not understand or read my credit report properly so I am requesting that if the CFPB can not either, then to please request that the companies remove these. 

Today is XX/XX/year> I have not gotten any response from any of the listed companies. I was told that if they fail to respond I could escalate it to the CFPB and demand they remove the information since it has been past the 30 days for investigating. I heard this is the law. 

Please help me to remove this damaging information.