davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Block, Inc. (MO)

On XX/XX/2019 I tried to withdraw the cash out on my Square Cash app. They have 2 options : 1 ) add immediately which charges a fee 2 ) receive in 2 business days. This transaction was for {$160.00}. I received another payment Wednesday and I chose the same option and that cash was to be deposited into my primary banking account on XX/XX/2019. On XXXX I received another virtual payment and I opted in for the fee due to the issues with the transaction on XX/XX/2019. 

I contacted Square Cash XX/XX/2019 and they claimed they have been aware of this issue and they are working to fix it. However, they are not providing a disclaimer that this function is not working. This means people are expecting their money in 2 business days but they are not receiving their withdrawals or an explanation unless they email their customer support email.

I am waiting on almost {$200.00} and it was advertised I would receive this money Tuesday and Friday. I havent received anything.
Consumer complaint received 2023-12-17
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. (OR)

This is no longer my account it is a charge off and written off and sold to another company the contract between me and XXXX is voided and I know longer owe them this debt Im entitled to a accurate credit report delete this account immediately
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these inquiries that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( i ) I have the right to deny anything being reported on my credit report.

15 U.S code 1681n Infamis of pulls or unauthorized account not mines.

I will have to file litigation due to the stress you cause me. I am authroizing this investigation this is not a third party company.
Consumer complaint received 2020-05-22
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Block, Inc. (MI)

I received a direct deposit from Michigan unemployment my cash app account. I was able to use the card that I had requested from cash app to make three small purchases. After which point they have frozen my account and only access to funds. I have reached out to the company via email and XXXX as they have NO phone number for contacting a human representative. I have not gotten a response as to the issue or a solution. It has been over three days since my initial contact with the company and no response.
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

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 CARD Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX 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 2020-05-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (FL)

Someone took {$2200.00} out of my account ( with my debit VISA card ) without my permission through Cash App on XX/XX/20. They took 4 transactions : {$200.00}, {$400.00}, {$700.00} and {$900.00}. I have a copy of my Bank Statement showing the transactions and a screenshot of my Cash App showing I did not make those transactions.
Consumer complaint received 2023-11-04
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)

There was a hard inquiry on my my credit report. XXXX XXXX XXXX inquired about my credit and I have not applied for credit. This occurred on or between XX/XX/XXXX and XX/XX/XXXX. 
XXXX credit card.
Consumer complaint received 2024-04-18
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. (NJ)

incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-21
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. (AR)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX  XXXX Balance : {$430.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$47000.00}
Consumer complaint received 2023-12-12
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. (FL)

To Whom It May Concern : I recently sent you a request to reinvestigate the information previously disputed. I have attached my previous correspondence for you to revisit.

The computer-generated response I received is unacceptable, and I am losing patience. If the information is not immediately reinvestigated and removed, I will be forced to seek legal counsel for relief through the court and file complaints with regulatory enforcement agencies, including the CFPB, FTC, and my state attorney general. 
Remove this incorrect information at once and send me an updated copy of my credit history report. 
XXXX - XXXX - Under 15 USC 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information- Please update to never late! 
XXXX - XXXX - Under 15 USC 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information- Please update to never late! 
XXXX XXXX - XXXX - Under 15 US Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information- Please delete immediately! 
XXXX - XXXX - Under 15 US Code 6802 - Obligatons with respect to disclosures of personal information- Please delete immediately! 
XXXX XXXX XXXX XXXX XXXXXXXX - Under 15 US Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information- Please delete immediately! 
XXXX XXXX - XXXX - Under 15 US Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information- Please delete immediately! 
XXXX - XXXX - Under 15 US Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information- Please delete immediately! 
XXXX XXXX - XXXX - Under 15 US Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information- Please delete immediately! 
XXXX XXXX - XXXX - Under 15 US Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information- Please delete immediately! 
Incorrect Address - XXXX XXXX XXXX XXXX, FL, XXXX- This is not my address. Please delete immediately! 
I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-08-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NM)

I received the following email from Wells Fargo on Saturday XX/XX/XXXX at XXXX XXXX. AFTER I had deposited a check for {$370.00} at XXXX XXXX  in person at a branch close to my home. I transferred {$330.00} of this money to a family member using WF XXXX and the transaction was approved at XXXX XXXX. At XXXX XXXX ( same day XXXX XXXX ) I received the following email from Wells Fargo. " Wells Fargo performs ongoing reviews of its account relationships in connection with the Banks responsibilities to manage risks in its banking operations. We recently reviewed your account relationship and, as a result of this review, we will be closing your above-referenced accounts because we believe that the account has been compromised or impacted by potential identity theft. The accounts are expected to close by XX/XX/XXXX. Please note that the Bank reserves the right to close the accounts sooner if circumstances arise that warrant an earlier closing. 

Withdrawals and payments have been blocked. 
You may no longer access these accounts with your debit card. 
No new transactions will be authorized. However, we must pay certain transactions that are received for processing before your account is closed, even if this creates a negative balance in your account. 


... 


Sincerely, Fraud Prevention Contact Center In the phone conversation this morning XX/XX/XXXX at XXXX XXXX XXXXXXXX XXXX with the Wells Fargo Fraud department they stated that there were log ins from XXXX ( I travel to XXXX where my XXXX XXXX XXXX father lives and help with his bills using XXXX, I have used the app on his phone and they said this not allowed but they authorized that phone ( via my US phone before I ever used the app on that phone. 
My note : Wells Fargo clearly wrote off a previous incident as a scam and NOT identity theft. I reported to WF a month ago, that I was the victim of a scam due to an identity theft XXXX XXXX XXXX of a relative, and reported this to the FBI, to cfbp to the NM State Attorney. They are not returning my money until XX/XX/XXXX and say that my account is not closed but " on hold '' although I have no access to it. So to me it is closed and WF is getting interest off my money and getting back at me for reporting them.
Consumer complaint received 2023-12-12
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. (HI)

This represents my 2nd communication via CFPB in which I am addressing the matter of inaccurate and misleading data present within my credit report. As previously communicated in my dispute dated XX/XX/2023, I stressed the negative consequences of having an erroneous credit profile, which has resulted in repeated rejections from potential employers during my job applications. The current circumstances have left me deeply concerned, as securing employment promptly is of utmost importance to prevent undue hardships for my family. What is particularly frustrating is that your inaccurate credit reporting not only impacts my financial standing but also severely diminishes my overall quality of life.
Consumer complaint received 2023-12-12
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)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX Please update my name to : XXXX XXXX  My only social security number is : XXXX My only and correct date of birth is : XX/XX/ I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-12
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)

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.

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 2020-05-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Block, Inc. (VA)

It a company Cash App. I had set up direct deposit and it states it received it on XX/XX/2020 but did not reflect in the balance. There is no customer service only on twitter. And even there is no use. It's my pay check I need it. My health is a stack. I just want my money and do away with them.
Consumer complaint received 2020-05-07
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Block, Inc. (AZ)

XX/XX/2020 Nine charges for {$2.00} each by a merchant Cash App*.  {$18.00} total. 
I do not use Cash App or any service like it. I have only had this benefit prepaid card for a few weeks. I can not dispute these types of things because it is a prepaid card. No one has had access to this card.
Consumer complaint received 2018-11-27
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: Experian Information Solutions Inc. (AZ)

Experian verified that the accounts are mine and that they are correctly reported. However this is not the case. Simply providing me with a computer generated document is no enough proof that the accounts belong to me. I escalate this case to you CFPB to remove the accounts XXXX XXXX XXXX XXXX which is showing multiple times and with different amounts, and XXXX XXXX as duplicate entry on my credit report
Consumer complaint received 2023-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

Dear Sir/Madam, I hope this message finds you well. I am writing to kindly request your assistance in removing some information from my account. According to the law, medical bills under {$500.00} are supposed to be removed and it is a violation of my rights under 15 US code 1681 and 15 US code 1681b to have this information present.

Additionally, I would appreciate it if you could suppress any negative information and update the report accordingly. I understand that it is illegal to place a charge off on a report and send a 1099-C to the debtor.

Furthermore, I have noticed that the reporting across the bureaus is not accurate, and I kindly request that the information be removed immediately. I have attached the relevant report for your reference.

Finally, I would like to raise a concern regarding the difficulty in accessing my online account. I believe it is unfair to have to pay to see my own data, and I would appreciate if the Consumer Financial Protection Bureau could investigate this matter.

I would greatly appreciate it if you could attend to this matter as soon as possible. Thank you for your time and assistance. 

Best regards, [ Your Name ] Account Information : Original Creditor : XXXX XXXX XXXX Balance Details : {$480.00} ( 0 % paid off, balance updated on XX/XX/XXXX ) Account Number : XXXX Date Opened : XX/XX/XXXX Account Type : Collection Status : Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department ( status updated in XX/XX/XXXX ) Contact Information : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX Phone Number : ( XXXX ) XXXX
Consumer complaint received 2023-12-12
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)

On XX/XX/2023, I wrote to you requesting an investigation into items that I believed are inaccurate, and falsely reporting. This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I respectfully request to be provided proof of these alleged late payments, and payment history. Per my records I have always paid these accounts on time and never paid late. The following late payment information therefore needs to be reinvestigated as it is inaccurate, and then removed from my credit file as it is falsely reporting. 
15 U.S. Code 1681i. Procedure in case of disputed accuracy. 
( a ) REINVESTIGATIONS OF DISPUTED INFORMATION ( 1 ) REINVESTIGATION REQUIRED ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers 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. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance if the validation of debt request isnt completed.
Consumer complaint received 2017-12-15
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. (AZ)

I am a victim of identity theft. The XXXX XXXX XXXX XXXX  XXXX credit card account : XXXX is lost/stolen, and all of the charges/transactions are fraudulent and unauthorized. The following hard inquiries are fraudulent and unauthorized : XXXX, XXXX/XXXX/XXXX, XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX, XXXX/XXXX/XXXX.
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I noticed that a collection from XXXX XXXX XXXX XXXXXXXX is on my credit for XXXX XXXX of which i have an account with and can log in and make payments of which i made one earlier. This account was never sent to collections and i would like it removed off of my Equifax and XXXX. I have no knowledge of this collection agency nor have i conducted any business with either.
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX reported to all three bureaus transunion XXXX and XXXX hard inquiry Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information.

15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and