davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (FL)

XXXXsent {$370.00} payment to wrong person on cashapp. contacted support while transaction was in pending status to request to cancel after attempting 4 times nothing was done reps kept ending chat would not address request at all then once transaction completed was not showing in transaction history and support refused to cancel nor provide support and refund request show pending
Consumer complaint received 2023-08-24
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. (SC)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.
Consumer complaint received 2023-02-15
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: EQUIFAX, INC. (LA)

I am being violated by the Credit Monitoring Service Equifax and XXXX XXXX. I have been requesting verification and validation from these companies since XXXX XXXX but they continue to ignore me, adding negative remarks on this charged off account, and responding that this account has been verified but never sent me any proof of the investigation process used to verify this debt which is illegal. Each month these negative remarks are hurting my credit and is a defamation of my character because I have been denied employment, housing, and credit which have caused me embarrassment and terrible XXXX.  This has caused me a financial hardship which affects me being able to provide for my family.
Consumer complaint received 2023-04-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (IL)

My {$4900.00} in CashApp has been stolen by CashApp. I filed a complaint against CashApp with FDIC and yesterday FDIC responded that my {$4900.00} are held by a Financial Institution called Block Inc and that I should approach CFPB to recover my funds from Block Inc. My FDIC Case # is XXXX. Cash App is not providing the email of XX/XX/2023, which they are alleging to have sent me. Ask Cash App to send me the alleged email of XX/XX/2023, via CFPB This complaint has new information. Do not close this complaint as Duplicate. My phone # is XXXX. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-04-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc. (CO)

On XXXX  I set up a " XXXX XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$100.00} direct deposit to XXXX XXXX. Fund was withdrawn from my business checking account on XX/XX/ " Square Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/ I received an email saying my account has been " deactivated ''. 

As of XXXX I still have not received a refund nor was the {$100.00} direct deposit processed.
Consumer complaint received 2022-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

In accordance with the fair credit reporting act XXXX account number # XXXX XXXX, # XXXX XXXX, # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 Section 602. States I have the right to privacy. 15 U.S.C 1681 Section 605 A Section 2 : it also states a consumer reporting agency can not furnished a account without my written instructions.
Consumer complaint received 2023-09-06
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: LoanCare, LLC (NJ)

We requested a loan modification in XXXX. The documents sent were not adequately set up with my in-laws, who are the cosigners having their documents marked for a Florida Notary . We have called multiple times, and LOAN CARE has failed to make the proper adjustments. Due to all of the issues, we have also requested that the modification be amended to cover the additional months. We have done all that we can to be in touch with LOANCARE. When we refinanced the mortgage through LOANCARE, they sent a notary out to us and then overnighted the documents to a notary in Florida ; we have suggested this approach multiple times. 

We DO NOT WANT TO LOOSE OUR HOME. Because of the mistakes and lack of communication from LOANCARE my inlaws have had their credit impacted. We are also working with XXXX to get a grant.
Consumer complaint received 2017-03-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Diversified Consultants, Inc. (NV)

This is the 3rd collection agency supposedly collecting a debt for XXXX. 
The last one I sent a check to them They sent it back saying they did n't have the account. I phoned XXXX they told me They could not get into my account. I hired a lawyer now another company is placing this on my credit. 
If XXXX can not get into my account, then how can collection agencies keep changing and play ing this account on my credit when my Lawyer has told them to cease and desist. 
Are collection agencies above the law?
Consumer complaint received 2022-12-07
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within XXXX  days gives a reason to immediately remove those items from my credit report, it has been over XXXX  days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX XXXX and may have got into the hands of the wrong person.
Consumer complaint received 2022-10-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I received an email stating : Online application is in progress XXXX XXXX, We have received your application for the following product ( s ) : Bank of America Advantage SafeBalance Banking Account Confirmation number XXXX XXXX Then a follow up email stating : Your new account is open Great news! The following account ( s ) are open : Bank of America Advantage SafeBalance Banking Account # : XXXX And a third email stating the debit card was being mailed. 

But I did not open any bank account with Bank of America. I have checked my credit reports and all accounts, and there is no problem anywhere else at this moment. And this is the SECOND time this has happened. The first time was on XX/XX/2022. I feel like there is an employee inside BofA that is doing this because they would need my complete social security number and other information in order to open this account without my knowledge. I think this needs investigated thoroughly.
Consumer complaint received 2023-04-04
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. (VA)

XXXX XXXX XXXX XXXX- the payment history and timeliness of your payments are not being reported. This will be the second time I have disputed the reporting of this account not being accurate.
Consumer complaint received 2023-04-04
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. (CA)

I have notified the Cash App customer service support and filed a dispute claim on XX/XX/XXXX regarding monthly recurring charges amounting to 14 {$95.00} a month happening since XX/XX/XXXX. This charges were apparently made by the same merchant. XXXX at XXXX Illinois as cash app requested, I filed separate dispute claims for the charges made on XX/XX/XXXX XXXX for XXXX XXXX, XX/XX/XXXX. And today XX/XX/XXXX, again I was charged by a similar amount from the same company.
Consumer complaint received 2023-08-24
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)

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT XXXX and I included it again. Kindly update or correct 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
Consumer complaint received 2023-08-24
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: Experian Information Solutions Inc. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (IN)

In accordance with the fair credit Reporting Act Comenity Capital/Chld Account # XXXXXXXXXXXXXXXX, has violated my rights. 

15 USC 1681 Section 602 : States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2021-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I recently checked my TransUnion credit report and discovered 5 inquiries that were unauthorized. Many of them seem to be duplicates. I reached out to both the account holders and TransUnion. The creditors claim to have no information of the additional inquiries and TransUnion refuses to review the accounts/inquiries for accuracy. I have contacted TransUnion 4 times with regard to this matter with not satisfaction. I feel these inaccurately reporting inquiries are harming my credit report and my chances of getting additional credit in the future. I would ask that your agency investigate TransUnion for unfair and illegal reporting practices.
Consumer complaint received 2024-04-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I made a claim regarding capital one and they responded and ask me for my information when I tried to contact them they didnt answer the call I mail the information to them as well and they still didnt respond or help me with my issue
Consumer complaint received 2023-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no XXXX party involved. Please review the uploaded letters.
Consumer complaint received 2023-09-06
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. (GA)

Hard inquiries on my report that I didnt authorize on XXXX XXXXXXXX XXXX XXXX  I dont authorize these hard hits when I called the company and asked them why I was told they was looking for where I worked I told them I dont authorize them to do so and they responded by saying they have the right I would like these 3 months of hard hits removed from my report thanks
Consumer complaint received 2015-05-28
Product: Debt collection — Payday loan
Issue: False statements or representation — Indicated committed crime not paying
Company: Earm LLC (TX)

Was informed that I owe on a old payday loan. Was told their are XXXX actions pending against me.. They said I committed a a fraud by taking out such loan and not paying it back.. They claim the debt was from sometime back in XX/XX/XXXX and it was charged off in XXXX They informed me that they contacted my current employer.. But at the time I was not employed by them.. They also said the debt was sold to them, and I owed them now.. The mentioned my current bank but a old account number.. The also told me my old address.. When I asked them for their company name, their current address, on women told me the name of the company MAC and current location as in front of her desk?? I also pressed for the company that I orginally had the loan from, the account number, the companies ( whom I owed ) current address and contact information.. I was told that they could not and would not provide me with such information ... I was also informed a server would show up and serve me with papers to appear in court.. When I asked them, how is that possible when they did not have my current address. Her reply was the server has it and will show up today XX/XX/XXXX at XXXX Well the time came and went.. I was finally able to get one person who I talked to, to give me her name and email address. Her name was XXXX XXXX, with a email address of XXXXXXXXXXXX ...
Consumer complaint received 2023-04-03
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. (GA)

I file a complaint with cash app about a withdrawal of {$95.00} that occur on XX/XX/2023 at XXXX XXXX  while I was at work and I reached out to the ATM owner by the phone number thats listed on the ATM which is XXXX XXXX. and was advised if I was trying to file a complaint against a withdrawal I had to reached out to my financial institution which I have done to get my money refund and cash app keep denying my dispute the same back when I file a dispute for {$360.00} I never got my money refunded so this becoming to be a repeated pattern with cash app on not protected consumers money with disputes
Consumer complaint received 2023-04-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Block, Inc. (AK)

XX/XX/2023 I made a reservation for photos however found my cash app payment failed. I followed the app and found they said my account was closed which confused and scared me. 
I contacted cash app right away. The representative read a script that said he couldnt me essentially and someone would email me back. I gave the details to the representative and didnt hear back via email. The representative said he would forward the inquiry and gave some hope that my cash app would be restored verbally. 
Since the closure of my cash app was so confusing and I had thousands in my cash app I was worried and transferred it to my bank to arrive on Tuesday. However left XXXX in the account because I figured I could transfer it to my spouses cash app so we may have cash on hand if needed. 

Saturday XX/XX/XXXX, I open my cash app and checked my email to see if anyone reached me back from cash app, I also checked several times Friday after my inquiry. There was no response but I found my cash account said {$0.00} and I looked in the app and seen my funds were sent to my bank. I was alarmed to see all my families money being moved and scared and confused trying to understand the transfers and where the money was I looked at the Tuesday transfer and pressed the only live butt on on that transfer and it charged me for the funds to be transferred more than I wanted to pay. 

Im upset no ones reached back to me or told me what terms I violated for This closure and I attempted to call again and its the same response, a scripted i cant help you and someone will email you. 

Please help and make Cash app responsible and accountable for this confusion and ask them to explain further
Consumer complaint received 2023-04-03
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Block, Inc. (LA)

I tried to order me a cash app card and I'm unable to because the company says I violated terms of service but didn't disclose the terms violated. They closed my account and I'm not able to open another account with them. I think this is very shady for their customers.
Consumer complaint received 2023-08-24
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. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-24
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: Experian Information Solutions Inc. (VA)

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are XXXX percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 2023-08-24
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: EQUIFAX, INC. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX