davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-27
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 am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2022-12-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (MD)

I've had a Cash app account for at least XXXX years now. My daughter who is XXXX, opened a minor account sponsored be me earlier this year. She wanted the account to be able to easily receive funds from family and friends. She has a pre-paid card to use funds in her account, I do not have a card for my account. On Friday XX/XX/XXXX my daughter temporarily logged out of her XXXX ID account on her phone, where the Cash app application is stored, and simultaneously began to see transactions declined when she was out shopping. She also noticed she no longer had access to the funds added to the account that were given to her by her father for XXXX. She contacted Cash app support on XX/XX/XXXX via chat and was instructed to have her sponsor, me, contact support to rectify the situation. Neither of us ever received notifications via email, phone, or app notication alerting us of ANY issue. I reached on XX/XX/XXXX via chat and was told they needed to verify my address and they provided a link to upload the acceptable documentation. This was confusing to me, as my account didn't contain my address because it wasn't a requirement when I opened the account, only my bank account information and email. I was never told what the problem was that caused the account to be frozen. After chatting with them again and still never receiving an explanation, I uploaded the document in an effort to just resolve the matter and have her regain access to her funds. I was told the matter was escalated to a Specialty team that would reach out to me via email. Later that day I still hadn't been contacted so I called, told the representative I uploaded my water bill as proof of address, and was told the " Specialty team '' would contact me with the next steps. It is now Wednesday, XX/XX/XXXX and I still have not been contacted, have no more information, including when this will be resolved, and my daughter does not have access to her money. I contacted them via chat today and keep getting the same response about the " Specialty team '' contacting me and nothing more. They won't even provide a number or email to said team for any explanation.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

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 XX/XX/2022 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 XXXX 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 2021-11-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (TX)

My company has over {$10.00} XXXX on deposit with PNC Bank spread over approximately 30 accounts. We have not been able to get online access to bank account activity or generate bank statements since XX/XX/XXXX. PNC Bank representatives have often not responded to phone calls or emails or have been very slow to respond. The responses received to any questions are usually " I don't know '' or " We are working on it ''. This matter has now been unresolved for 4 weeks and we need to have access to account activity to maintain normal business operations. Thank you for your attention to this matter.
Consumer complaint received 2024-06-21
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. (FL)

I appreciate you taking the effort to CORRECT some of the data in my credit report, but one account still has to be repaired. The three credit bureaus are required to verify this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( A ). I'm hoping the disputed account will be corrected right away. 
XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2022-12-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (CA)

Hello, I have a cash app account and there was sole unauthorized transactions that were made a second time on my account. The first time around i asked them to please issue me a new card and to block any more transactions to be able to be made to the specific merchant that these unauthorized transactions were made to. A few weeks later a few more were made to the same merchant without my authorization and i dont know who is stealing my money. I promptly emailed cash app to let them know and submitted the disputes. A day later they were all denied. I again re submit the disputes and a day later again denied. No real human is going over these disputes or else they would see that they are in fact unauthorized and should have gone out since i had asked to get them blocked. The first time around the disputes were concluded in my favor of course. Now they dont want to help with these and its alot of my money that they stoled. I keep begging them to have a real person look over them but they keeo ignoring me. : ( pelase help. Following are the unauthorized transactions. 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 2024-06-21
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. (TN)

Thank you for removing some items from my file caused by incorrect credit report details. However, there are still items that need to be addressed. According to FCRA section 605, you are required to remove any items listed on an ID THEFT REPORT. I am submitting Identity Theft Report # XXXX. Under FCRA section 605B ( a ) ( 1 ) ( 2 ), you must remove any information in my file resulting from erroneous credit information within 4 business days of receiving ( 1 ) appropriate proof of my identity and ( 2 ) a copy of an identity theft report : Experian : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$720.00} -- -- -- -- -Equifax : XXXX XXXX XXXX XXXX, TN XXXXXXXX XXXX XXXX XXXX Balance Owed : {$720.00} XXXX XX/XX/year> -- -- -- -- -TransUnion : XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX  XXXX XXXX Balance Owed : {$720.00}. You have 4 business days to remove these items from my credit file. I do not consent to XXXX or any automated verification methods. I expect your immediate attention to this matter and a response within 4 business days.
Consumer complaint received 2024-05-27
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. (PA)

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. 
I told XXXX, Transunion, and XXXX to reinvestigate these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2022-12-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (PA)

On XX/XX/17 I was scammed by someone using Cash App. The posed as a XXXX XXXX  and managed to get a total of {$500.00} from me. As soon as I realized this was fraudulent I notified Cash App. Cash Apps customer service is XXXX XXXX person said they'd investigate and refund. XXXX person said I'd never get my money back. Another said I would but it would take XXXX XXXX! Another said that reporting fraudulent transactions to Cash App is more about them learning to prevent them and that they will do nothing to help you. Meanwhile scammers run rampant on cash app because they know they are welcomed there. This loss of {$500.00} has caused me to become XXXX  and still Cash App does nothing.
Consumer complaint received 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2024-05-26
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. (MI)

Multiple inquires on my account were all made within the same month before I locked my accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I locked my accounts immediately following and requested they be removed. Caller on other end said it was not there responsibility. These inquiries are not mine and I never approved of them. FCRA, requires these unverified and unauthorized items must be-removed.
Consumer complaint received 2022-12-26
Product: Credit card or prepaid 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: Block, Inc. (LA)

A company repeatedly charged my CashApp card attempting to drain all funds. They were able to get {$150.00} ( all that was available ). This is has been disputed at CashApp support. 

Hi there, I'm XXXX, a XXXX XXXX for Cash App. After reviewing your case, I can see that you have an unrecognized transaction. 


Date Status Amount Last XXXX of Card Type Statement Description XX/XX/22 at XXXX XXXX Captured {$50.00} XXXX Card Not Present Purchase ACQRA *innskins We have received your dispute and filed a claim. As updates become available, we will keep you informed. 

Our investigations usually take up to XXXX XXXX XXXX. However, it may take up to XXXX XXXX to review and resolve your claim. 

We recommend securing your account by following Cash Apps XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). 

Thanks for your continued patience while your claim is under review. 

XXXX XXXX. 
Cash App XXXX XXXX ref : XXXX : ref -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - This is XXXX XXXX Cash App XXXX After reviewing your case, I can see that you have an unrecognized transaction with XXXX XXXX 

Date Status Amount Last XXXX of Card Type Statement Description XX/XX/22 at XXXX EST Captured {$100.00} XXXX Card Not Present Purchase XXXX XXXX We have received your dispute and filed a claim. As updates become available, we will keep you informed. 

Our investigations usually take up to XXXX XXXX XXXX. However, it may take up to XXXX XXXX to review and resolve your claim. 

We recommend securing your account by following Cash Apps XXXX XXXX Practices ( https : XXXX ). 

Thanks for your continued patience while your claim is under review. 

Best regards, XXXX Cash App disputes ref : XXXX : ref
Consumer complaint received 2024-06-21
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: Experian Information Solutions Inc. (CO)

I have reached out to XXXX XXXX requesting a document/ contract bearing my signature between the creditor and stating that I am legally obligated to pay XXXX XXXX for any unpaid debt to XXXX XXXX. Please see attached letter.
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. (MA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2023-03-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to investigate and correct for erroneous reporting in my file and is listed on my credit report : XXXX XXXX XXXX : {$6400.00}.
Consumer complaint received 2024-05-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I am writing to bring to your attention that the information on my credit report has been impacted by a credit bureau breach. As a result of this breach, my personal information has been compromised, leading to inaccuracies or fraudulent activity on my credit report. 

I take the security of my personal information and credit history seriously, and I have taken proactive steps to address the situation. 

These steps include : Reviewing my credit report regularly for any unauthorized activity or inaccuracies. 
Disputing all inaccurate or fraudulent information found on my credit report. 

I have attached documentation related to the credit bureau breach, including any correspondence I have received regarding the breach and any relevant evidence of unauthorized activity on my credit report. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report.

I demand the following accounts be removed immediately : XXXX XXXX XXXX XXXX VALIDATION OR DELETE {$8100.00} XXXX XXXX VALIDATION OR DELETE {$1300.00} XXXXXXXX XXXX XXXX XXXX XXXX VALIDATION OR DELETE {$11000.00} XXXXXXXX XXXX XXXX XXXX XXXX VALIDATION OR DELETE {$2200.00} XXXX XXXX XXXX XXXX VALIDATION OR DELETE {$710.00} XXXX XXXX XXXX  VALIDATION OR DELETE {$10000.00} XXXXXXXX XXXX XXXX VALIDATION OR DELETE {$11000.00} XXXX XXXXXXXX XXXX XXXX VALIDATION OR DELETE {$5.00}, XXXX XXXX XXXX XXXX XXXX VALIDATION OR DELETE {$560.00} XXXX & XXXX XXXX VALIDATION OR DELETE {$980.00} XXXX XXXX XXXX XXXX VALIDATION OR DELETE {$290.00} XXXX XXXX XXXX VALIDATION OR DELETE {$330.00} XXXX XXXX XXXX XXXX VALIDATION OR DELETE {$530.00} XXXX XXXX XXXX XXXX XXXX  VALIDATION OR DELETE {$300.00} XXXX XXXX XXXX XXXX VALIDATION OR DELETE {$5500.00} * Please remove all non-account holding inquiries over 30 days old.

* Please add a Promotional Suppression to my credit file.
Consumer complaint received 2024-05-03
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. (NY)

I am writing to dispute certain late payment accounts that are appearing on my credit report. Upon reviewing my credit report, I noticed discrepancies regarding the payment history associated with the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX 

According to my records, these accounts have been consistently paid on time, and there should be no history of late payments associated with them. I believe there has been an error in reporting, and I request that you investigate and rectify these inaccuracies promptly. 

Enclosed with this letter are copies of relevant documents, including bank statements and payment receipts, that corroborate my claim of timely payments. I urge you to review this evidence carefully and update my credit report accordingly. 

I understand the importance of maintaining accurate credit information, and these inaccuracies have the potential to adversely affect my creditworthiness. Therefore, I kindly request that you expedite the investigation process and inform me of the results in a timely manner.
Consumer complaint received 2024-05-26
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: EQUIFAX, INC. (FL)

Equifax allegedly verified the account listed as XXXX XXXX XXXX XXXX XXXX XXXX but how did they verify this account they are the only consumer agency reporting the account and it does not obtain enough information to be verified. I have asked Equifax to send me the details they used to verify this account so I may follow up on the information myself and federal law states they must perform reasonable investigation and they have not.
Consumer complaint received 2022-12-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (MI)

I purchased three wigs from XXXX XXXX XXXX XXXX through her website that required payment through cashapp with the title being my order number. I then cashapped her {$63.00} to the cashapp provided XXXXMy order number is # XXXX placed my order XX/XX/XXXX. It has now been past a month with no tracking number or update. I placed a dispute with cashapp and requested a refund from her. I did not receive a refund and my dispute was declined after an investigation from cash app that had no report or failed to ask me questions to have an accurate review. I now know her XXXX name changes every other week as well.
Consumer complaint received 2022-12-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (NC)

My identity was stolen and someone accessed my cash app and withdrew all my money. I am currently going through medical issues that requires that money for treatment, I gave them my police report showing identity theft, I hadnt been able to access my cash app for weeks, they had to gain access for me, the account used to cash out my money is not connected to me at all and no benefit to me.. They also took longer than the 10 days it states in their terms of agreement without providing any info or provisional credits. They can speak to the bank and see its not my account.
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly XXXX It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the XXXX XXXX this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.