davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-13
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. (WV)

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-27
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)

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, CA XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-12-07
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. (OK)

I received a fraudulent card in the mail and have made numerous attempts to notify Cash app/ Block, Inc.. This is the second card I have received. Cash app does not have adequate service to protect consumers from fraud. Customer service department does not care to correct the issue. I have no faith that the card in question has been closed or reported as fraud. Numerous calls that have just hung up or placed on hold and never picked back up. They never asked for my name or contact information to confirm the account. I do not use this company in any capacity. Please help protect consumers from fraud with this company. Fraud is a serious issue especially if not handled promptly.
Consumer complaint received 2023-11-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC (VA)

I called to ask and they told me I needed to pay {$59000.00} to reinstate my mortgage. I applied to XXXX XXXX XXXX. I was approved and I wired my money to XXXX and XXXX XXXX XXXX XXXX added theirs to mine and wired to Shellpoint Mortgage Servicer. It was wired on XX/XX/. when I called to verify that they had received the money they said no. Lt is now XX/XX/ and I called again they still they have not received the money.
Consumer complaint received 2019-11-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

Back in XXXX I was victim of identity theft I file a police report and place a fraud alert on all 3 credit bureaus. The account in question is XXXX XXXX XXXX signature loan. It was deleted from XXXX  and XXXX  rightfully so but for some strange reasons Transunion never deleted the account in question. I have no knowledge of the account XXXX XXXX XXXX signature loan it doesnt belong to me.
Consumer complaint received 2023-10-20
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. (VA)

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

Account Name : XXXX Account XXXX Account Name : XXXXXXXX XXXX Account XXXX Account Name : XXXXXXXX XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXXXXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX, XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXXT Account XXXX has violated my rights. Or a list of inquiries : 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 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Your efficiency and prompt attention to correct some of the adverse information previously stated on my credit file is appreciated. As of the moment I feel there are still items on my file that need to be repaired. For that reason, I request that all of the attached inaccurate information listed in my credit file be updated immediately : XXXX XXXX XXXX XXXX : {$460.00}
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My federal student loans were transferred from XXXX to XXXX. There should only be a balance with the XXXX loans since I no longer owe any balances to XXXX. However, both XXXX and XXXX are reported with the same balance, duplicating the amount I owe and making it appear that I owe twice as much money as I actually do. I have contacted both servicers and have also filed disputes with the reporting agencies, but they have not done anything to resolve the issue. I just read an article in the XXXX XXXX that there are at least XXXX XXXX duplicate student loan records appearing on credit reports, and they are from borrowers that had loan balances transferred from XXXX to XXXX as well. This has been reported incorrectly on my credit for over a year now and I deserve a resolution.
Consumer complaint received 2024-05-27
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)

I am writing to dispute and request the immediate removal of inaccurate information from my credit report. Upon reviewing my credit report, I have discovered several account that do not belong to me and appear to have been merged with another individual 's file. These errors are damaging my creditworthiness and have the potential to cause significant harm to my financial standing. 
I have contacted the banks associated with this erroneous account, and they have acknowledged the error. They have agreed to remove this account from their records to avoid legal action. I have also submitted the required FTC report to the Federal Trade Commission and have enclosed a copy for your reference. 

XXXXXXXX XXXX XXXX.
Consumer complaint received 2022-12-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (CT)

On XX/XX/2022 my cashapp account was hacked $ XXXX and XXXX dollars was transferred to a $ XXXX via my attached debit card in three transactions. One for XXXX dollars, one for XXXX dollars, one for XXXX dollars. When I reported it to Cashapp and my bank XXXX XXXX  XXXX XXXX I was told it would be investigated and solved. My bank gave me provincial credit in the mean time. As of XX/XX/XXXX the bank did not adhere to federal law and have me only liabel for XXXX dollars and took the entirety of the XXXX dollars from my account and stated cashapp had to refund my money. Cashapp closed my account stating I violated terms and conditions and refused to provide me with documentation of what I violated. So instead of refunding my money they let someone hack and steal out of my bank account and refused to help at all. I need this money for bills and I expected financial institutions to protect my money. Cash App let the hacker hack my account, steal my money via an attached debit card, and instead of investigating closed my account so they wouldn't have to refund my money.
Consumer complaint received 2024-08-05
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: EQUIFAX, INC. (PA)

These inquiries were unauthorized and I need these removed as soon as possible. I do not recognize these inquires on my credit reports- XXXX, XXXX, and Equifax. The following need to be removed : XXXX XXXX XXXX XXXX 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. Attached is a FTC Report.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MI)

I am submitting this to formally dispute and request the removal of unauthorized inquiries currently appearing on my credit report. I did not authorize the inquiries listed below and provide these details for your comprehensive investigation. The unauthorized inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I confirm that I have not applied for any credit or services with the entities mentioned above. The presence of these inquiries on my credit report constitutes a violation of my privacy rights and could negatively affect my credit score.
Consumer complaint received 2022-12-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: Block, Inc. (TX)

We use square as a point-of-sale system in our business. Last year they tried to hold 20 % of all our credit card transactions in what they call their reserve program. I was able to call them and get this issue resolved. This year, during our busy time they did the same thing. Only now they won't release the money after repeated attempts. We have a history with them of over 2 years. Probably closer to 3 years. We have never had a charge back XXXX time. Not once. Now they are holding over XXXX of our money and earning interest on OUR money. We have switched from their service to clover, but we want our funds released now. Those were our sales, not theirs. I can't get anyone from the company to call me back. I asked them how much money we needed to have in our bank account for them to release the funds and they will not answer that question either.
Consumer complaint received 2024-05-27
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 declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TX)

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

Subject : Request for Validation of Debt - ACCOUNT : XXXX XXXX XXXX XXXXXXXX I am writing in response to an alleged debt associated with, XXXX XXXX XXXX XXXX. I am requesting validation of this debt as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g.

I dispute the validity of this debt and am immediately requesting that you provide the following information : 1. The ORIGINAL CONTRACT with original creditor WITH MY SIGNATURE attached.

2. The PAYMENT HISTORY with the original creditor.

3. I am also requesting a copy of PROOF OF DEBT ASSIGNMENT.

If you are unable to provide proof of these requests, then the erroneous information MUST be removed within 30 days of your receipt of this notice.

ALSO provide me with the following pertinent information ; 1. Verification of the original creditor and the full amount owed.

2. Detailed accounting of the debt, including any fees, interest, or charges added.

3. Proof that you are licensed to collect debts in [ Your State ].

4. Documentation proving that the statute of limitations on this debt has not expired.

5. Any agreements or contracts signed by me obligating me to pay this alleged debt.

Please note that until the validity of this debt is verified, I demand that you cease all collection activities, INCLUDING REPORTING TO CREDIT BUREAUS.

Furthermore, I assert my rights under the FDCPA and request that all further communication regarding this matter be conducted in writing only.

Please respond to this request within 30 days of receiving this letter. Failure to provide validation of the debt will result in legal assumption that this debt is invalid, and all collection activities must cease.

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX.
Consumer complaint received 2022-12-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (DE)

We use The Square as a method of taking payments from customers. Over the last four weeks, all funds in the account have been suspended and the company will not release the funds. They have requested additional information on several occasions that was supplied to them. THe most recent request for information reveals that there are two customers and they want an invoice on both of these customers. The invoices were submitted. In speaking with a manager on XXXX they are requesting additional information on the customer specifically : address, phone number, e-mail address. The customer feels that providing this information to this source is an invasion of their privacy and does not want it disclosed. They are also stating that they don't want the information disclosed because they believe the company sells their information.The Square is stating that they will not release the funds in my account until they have this information. I requested that The Square withhold a total of {$300.00} which is the total amount for both invoices and release the remainder of the funds since they are not in question. THey refused.
Consumer complaint received 2022-12-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (GA)

On XX/XX/2022 I sent my daughter whos in XXXX in XXXX AL studying for her XXXX XXXX {$300.00}. 

I later learned that I sent the money to an old cash app ID ( $ XXXX ) which she closed and created another cash app ID of, ( $ XXXX ). 

I called cash app to get them to refund the money back to my account or forward the money to my daughter new cash app ID. 

After being on the phone for approximately 45 minutes, I was told that My daughter had to call to have the money transferred. 

My daughter called while I was on the phone. She provided them with security information that allowed them to see her account as well as I provided them with my credentials. 

They asked her for the credit card that was associated with the old account and my daughter replied that its been almost 2 years sense she bank with that bank and therefore doesn't have or no the card number because she shredded the card when she closed the bank account. 

I then stated that they just admitted that the money is still sitting in the old cash app ID account and they confirmed it was sent from me. 

They then stated that they can't refund my money or transfer it to my daughters account without the debit card that was associated with the old account. 

I reiterated that she don't know and that she even called the bank and they can only provide the last 4 digits of the card because that all they are allowed to see for security reasons. 

I asked them why can't she give you the last 4 digits like the bank and they responded that its there policy that they need the entire card number. 

I then asked what will happen with my money and they responded, they are going to keep it and of course I went ballistic. 

The CEO of cash app is XXXX XXXX. 

I tried googling a number for the cooperate office and only get numbers to there customer service line. 

I then asked them to provide me with a contact number for cash app customer service and they said they can't because of company policy. 

Please file a complaint on my behalf. 

Sincerely XXXX or XXXX XXXX XXXX
Consumer complaint received 2022-12-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (IN)

Currently i am a victim of identity theft by many databreaches and me personally being robbed. on XX/XX/XXXX i received an letter from IRS stating that i had additional tax forms ( 1099k ) that was not included in my XXXX tax return. It was ELEVEN 1099k forms for the same company SQUARE INC ( I had no knowledge of this form prior to the IRS letter because i never created a SQUARE BUSSINESS ACCOUNT OR ANYTHING UNDER THE SQUARE INC COMPANY ) i did indeed know about me being a victim of the XXXX data breach and also me getting robbed for my wallet ( with all my info inside ) so my info has been all over the internet. SQUARE INC has allowed scammers/hackers to open up SQUARE INC BUSINESS ACCOUNTS AND CASH APP BUSINESS ACCOUNTS under my identity AND ALSO ALLOWED MULTIPLE LARGE TRANSACTIONS IN THESE ACCOUNTS WITH MY KNOWLEDGE. i have contected square inc on XX/XX/XXXX to report all 11 accounts as fraudulent but i have yet to speak with square inc again and i really need this matter to be fixed immediately. i have also filed a FTC REPORT MY FTC REPORT NUMBER IS XXXX
Consumer complaint received 2022-11-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (NC)

Cashapp has and continues to allow unauthorized transactions on my account even with physical documents advising them these charges to XXXX  XXXX XXXX XXXX XXXX and charges to the XXXX are not valid charges. I have provided documents on each incident to show the charges are incorrect but Cashapp keeps refusing the documents as evidence and sides with the merchant who has provided nothing. 
Stratosphere XX/XX/XXXX {$100.00} XXXX  XXXX XX/XX/XXXX {$28.00} I literally provided Cashapp with a copy of the legal letter to XXXX  XXXX notifying them they are NOT authorized to charge my account and Cashapp STILL allowed them access to my account and approve the charges then denied my dispute without any explanation. I will include the docs with this complaint
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (AZ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX Date : XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint Against XXXX XXXX To Whom It May Concern : I am writing to file a formal complaint against XXXX XXXXXXXX  regarding their failure to remove debts included in my federal bankruptcy from my credit report. According to the Fair Credit Reporting Act ( FCRA ), specifically Section 605 ( a ) ( 1 ), and the automatic stay provisions under Section 362 ( a ) of the United States Bankruptcy Code, debts discharged in bankruptcy should no longer be reported as active debts. Furthermore, any attempts to report or collect these debts are prohibited immediately upon filing for bankruptcy. 

Despite my previous attempts to resolve this issue directly with Applied Bank, the incorrect reporting of these debts remains on my credit report. This debt is still being reported to all three credit reporting agencies, and most notably, Experian has continued to show the balance, late payments, and the debt to date. 

I request the CFPB 's assistance in resolving this matter promptly. Applied Bank must comply with federal law by updating my credit report to accurately reflect the discharge of these debts in bankruptcy. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX of Birth : XXXX XXXX XXXX of social : XXXX