davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-28
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)

The payment history of my account is not correct. The report shows that I was delinquent for XX/XX/XXXX payment ( XX/XX/XXXX being 30 day cutoff for 30 days past due ). My car was deemed a total loss by XXXX XXXX due to accident on XX/XX/year>. ( XXXX actually happened in XXXX ) but it took till XX/XX/XXXX for total loss determination during which time I continued to pay loan even though the car was undrivable and at auto body facility. XXXX XXXX then sent letter to me ( attached ) that the loan was to be paid off directly with my loan holder ... XXXXXXXX XXXX. I received a letter stating the loan was entirely paid off on XX/XX/XXXX. 8 days before a 30 day delinquency which I was monitoring very carefully to avoid any late payments. Due to an error by my insurance company however they never notified me that XXXX rejected this payment because it was short {$92.00} ( out of {$58000.00} ). However... they did send a {$58000.00} payment. After sending me attached letter stating loan was paid off neither XXXX nor XXXX informed me it was not posted to my account and still in process. And even though my insurance company sent {$58000.00} XXXX deemed my account to be 30 days delinquent because their system did not accept the additional {$92.00} until after the XX/XX/XXXX XXXX delinquency cut off. However ... .again ... It was communicated to me that my loan was paid off and no further payment was required. I have NEVER had a delinquency on my auto loans. As you can see from my history I paid on time every time. This is an error on my insurance companies fault and Truist never communicated with me it was not paid off while they were working through the process. XXXX XXXX even got on the phone with XXXX and indicated it was not my error... but an error between XXXX and XXXX. In speaking with XXXX they agreed this delinquency was not my error and would reach out to credit bureaus to correct. However... they have now declined to help me. After escalating to management they are now taking the position it was not their error and refuse to help me any further. Prior to this issue I had a credit score of XXXX. Overnight it went to XXXX. This has severe financial consequences for myself and family thru no fault of my own. This is very harmful and I do not feel due to my insurance companies mistake and lack of communication from Truist I should be held responsible for this delinquency when I have a spotless payment record. Thanks you for you consideration.
Consumer complaint received 2019-07-19
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc. (WI)

I used service of this company called Remitly for money transfer from my XXXX XXXX XXXX account to another bank account locate in XXXX. I send {$2200.00} on XX/XX/2019 and was promised that money will be credited on XX/XX/2019. I am writing this on XX/XX/2019 and there is no money transferred. Despite my several request either cancel my transaction and refund my money back or credit it in destination account, this company totally ignoring all request. Customer service is so worst that they even asked me if you want to go to law enforcement you can feel free to do so. They are even not telling us when this amount will be refunded or credit in destination.
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. (CA)

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 my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-06-28
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. (FL)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
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. (MI)

Transunion is reporting an account as a collection account and the account never made it to collection because the account had been paid in full several months ago. I have a letter from the collection agency showing that the account balance is zero and requesting it to be removed from my credit report because it was an error of miscommunication on their end.
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. (NJ)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX INQUIRIES : XXXX - XX/XX/XXXX : XXXX XXXX - XX/XX/XXXX2022 : XXXX XXXX XXXX - XX/XX/XXXX2022 XXXX
Consumer complaint received 2022-09-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Block, Inc. (OR)

I began to receive random, unauthorized charges to my CashApp debit card, which depleted my money directly from my CashApp balance, on XX/XX/2022. 
I opened disputes for each and every one of these purchases immediately, and let them know that my CashApp card had been compromised. I began receiving money back for a FEW of the transactions that I disputed on XX/XX/XXXX. 
I alerted CashApp at the time of dispute that my card had been compromised, and needed to be locked down, and that any and all purchases starting on XX/XX/XXXX were no authorized, not mine, and were fraudulent. 
They clearly agreed that this was the case, because they began to refund me for SOME of those transactions, claiming that they were ruled in my favor - " Your Cash Card dispute claim was resolved in your favor and is now complete. A credit has been applied to your Cash App balance and is ready to use. '' However, they then declined to refund some of those disputed transactions - some of which were from the same merchants on the same exact day as purchases they chose to refund and rule in my favor. 
I contacted CashApp customer service 100 's of times and was blatantly ignored. I continued to reopen disputes, because I was not going to allow them to steal my money and ignore me. 
Instead of resolving the matter, or answering my constant attempts at contact, they closed down my CashApp account. 
They then sold off stocks I had purchased through CashApp, MONTHS later, without alerting me, emailing me, OR paying me for them. The stocks were sold on XX/XX/2022 for {$38.00}, but I never received a cent of that, and it is not in my CashApp balance, since my account is closed down and can not hold a balance. 
So not only did they sell off my stocks without my consent, never alert me of it, but they stole the profit as well. 

CashApp fraudulently stole hundreds of dollars from me during a dispute period, while refunding and ruling smaller purchases from the fraudulent chain of transactions in my favor, shut down my account, fraudulently sold off my stocks, and then stole that profit. They are a horrible company with no customer service, that don't follow any proper banking practices, and should be charged criminally.
Consumer complaint received 2022-09-20
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (NV)

XX/XX/XXXX I noticed my cash app card was missing and an unauthorized transaction on my card for the amount of XXXX I then contacted cash app as well as reported my card lost and stolen I also set up a new password as well I then received something stating that it was my fault because I allowed someone to make a phone call on my phone that I had to allow them to do it or some how involved then I responded back just because I allowed someone to use my phone doesn't mean I have anyone permission and they where making alligation that did not no was true they then stated they where going to escalate the matter and it could take up to 45 days to give the card and consumer time to respond it's been 48 days and still no resolution
Consumer complaint received 2022-09-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (MI)

I sent {$1400.00} from my XXXX  XXXX XXXX checking account to my CASH APP account and then sent that {$1400.00} to my BOYFRIEND 'S CASH APP account- somehow during this process it was flagged as fraud via XXXX  XXXX XXXX and IT WAS NOT FRAUD. I called XXXX  XXXX XXXX and WITHDREW the fraud complaint that was filed and they did withdraw it. I have a letter stating that on XX/XX/2022 this fraud claim was RESOLVED AND CLOSED and since there was no fraud that my boyfriend would receive the money with 45 calendar days. It has since been over the 45 days and we still have not received the money from Cash App back and they have no answer as to where the money is and how we can get this back.
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)

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 my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account 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. 


XXXXXXXX XXXXNever Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-07-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Westcreek Financial (MA)

I did a loan from a company call koalafi I took out a loan alone had a term for six months which I had to pay or they would make me pay extra {$6000.00} on a loan that was for {$2000.00}. When I tried to pay I couldn't access my portal to make payments, they would do this attempt to stall me so I couldn't pay off And then they charge me extra. I reported them to the XXXX XXXX XXXX  They stop sending me notices and then they started again.
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Based on the guidance from the Consumer Financial Protection Bureau ( CFPB ), I am providing the necessary documents : a picture ID, a utility bill, and a letter from an advocacy group assisting me as a victim of XXXX trafficking debt bondage, which is categorized under trafficking as per Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ). I kindly request that you remove this information from my credit report within four business days, in accordance with Section 605C of the Fair Credit Reporting Act. I have provided identification and the required documents from the list of acceptable items, of which only two are legally required. Additionally, I have included a victim determination letter as specified in 1022.142 ( b ) ( 6 ).
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. (IL)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2023-11-19
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: Experian Information Solutions Inc. (GA)

Repurchase agreement was initiated on XX/XX/23 by XXXX XXXX XXXX Due to lemon vehicle. The vehicle has been located at XXXX XXXX in XXXX GA since XXXX. The vehicle does not start nor did XXXX have the part to repair the vehicle. The Repurchase agreement was started by XXXX due to no fault of the consumer. XXXX has continued to prolong the process and has filed false claims on credit bureaus and in letters addressed to myself. That they were not aware of the repurchase agreement. XXXX XXXX have been in correspondence with the Repurchase department through the entire process and were aware of the agreement. Repurchase agreement papers were signed on XX/XX/23, yet, I was told that documents were not received until XX/XX/23 to XXXX XXXX. The Repurchase Payoff is in process. You can verify with the Georgia Department XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (AZ)

On Friday XX/XX/22, I woke up to check my bank balance as I get direct deposit and had many bills to pay. I saw that Cash App, a money service app that I use to send money back and forth with my daughter, initiated two transactions from account, one for {$10.00} and one for {$1000.00}, a total of {$1000.00}. My phone was also being spammed by a Cash App pop up that I could not stop. After looking online, I found that it could be because of the NFC feature on my phone. I checked it and it was on, so I turned it off. I never use this feature and have never had something like this happen to me. I turned it off and the Cash App pop ups stopped. I found that the money that had been taken out of my account was in my Cash App balance. I had to initiate a payout of these funds back into my own bank account, the same account it was taken from. I had to choose the expedited option which charged a {$17.00} fee to put the money back into my account. I did not have the ability to wait until Tuesday for the standard payout option which would not have charged a fee as I had several bills due that day. I notified Cash App that same day of what had happened and that I did not initiate or authorize these transactions and requested a refund of that fee. Because I did not initiate the transactions to begin with, I feel that my request for the refund of that fee was reasonable. I would not have had that fee had these transactions not taken place. To be clear, I had no automatic load feature turned on, and there was nobody that had my password or authorization to make transactions out of my bank account or Cash App account. I have been dealing with this issue with Cash App for 5 days as of today. Today they closed their " investigation '' stating that I had to have done it or let someone do it, so there was no error and they weren't refunding that fee. Yes, I was very upset and used inappropriate language. They said they were closing the claim and I could open a new one if I had more information. They provided a phone number to call. I called and spoke to someone by phone who also ultimately said that since I chose the expedited payout and agreed to the fee, they would not refund the fee. I continued to tell them that I did not authorize the transactions in the first place and I had no choice but to use that option. I do not believe this is fair or appropriate. I woke up to all of money being taken out of my account by Cash App without my knowledge or consent, and I do not believe that their response is appropriate. It's no longer JUST about getting that fee refunded. It's about the unethical practices that I believe Cash App took, and their lacking " support '' in this situation. I have screenshots of my entire conversation as well as of the transactions. While I do want that fee refunded, I want Cash App to be held accountable for this incident.
Consumer complaint received 2024-06-28
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. (TX)

My account with XXXXXXXX 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 on those accounts 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 OF 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