davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-30
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. (NJ)

3 years ago I was informed by Florida DMV that my personal information has been compromised. The details of the situation are that I apply for a HazMat endorsement on my driver 's license which was to be mailed to me within 60 days. After waiting 6 months I went into the office and was asked was I still living in XXXX XXXX Florida. I informed them I never live there and they told me that my driver 's license that I had been waiting for had gone to an address there. I asked them when and how my address had been changed and they had no specific information about that issue. Over the intervening years I have had periodic cases of bank account takeover which resulted in automatic payments that I had set up being diverted elsewhere. I have recently had to change Banks because of this ongoing issue. I assume this is why the payment that was supposed to go to this credit card issuer did not happen. The bank could not offer any specific information about this issue. After I was informed by phone call that payment had not been received I used another means to correct this situation. However the information that it was 30 days late is not correct. Because of this I do not believe it is fair or correct to report this payment as late.
Consumer complaint received 2023-03-04
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: EQUIFAX, INC. (SC)

Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe to XXXX XXXX XXXX Be advised that I am not requesting a " verification '' ; I am requesting a " validation ; '' that is, competent evidence that I have some contractual obligation to pay you. Please provide at least the following information within 30 days from the date of your receipt of this request for validation : Name and Address of Alleged Creditor : Name on File of Alleged Debtor : Alleged Account # : Address on File for Alleged Debtor : Amount of alleged debt : Date that this alleged debt became payable : Date of original charge off or delinquency : Was this debt assigned to debt collector or purchased? Amount paid if debt was purchased : Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor.
Consumer complaint received 2023-06-24
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Block, Inc. (GA)

I ended up misplacing my phone on XXXX XXXX 2023 at XXXX and at XXXX 2 charges came on to my cash app card account that made these transactions to this unknown merchant and I could not access my phone until 2 days after the second charge went through on XX/XX/XXXX at XXXX. Through XXXX XXXX XXXX my phone was declared stolen and an unknown and unauthorized charge was made through my cash app card to another merchant. Once I eventually located my phone on XX/XX/2023 at XXXX, majority of my cash app account funds were gone and I sent in many disputes to get my money back and cash app has declined them all saying the transactions were unauthorized even when I reported the transactions a scam and a fraud since it wasnt actually me who sent the money but an unknown person using my device sent it. The result of my constant disputes and frustration at my lost money cash app has closed my account and I never received my money back. I even sent a request to the merchant who received my money and that merchant declined it. Twice. So cash app has shut down my account for no reason and would not provide me a reason why. I would like my account ( ending in XXXX ) reopened and my money refunded.
Consumer complaint received 2021-12-13
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. (IL)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 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 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 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 2020-09-16
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: Experian Information Solutions Inc. (PA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-05-24
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. (MD)

I sent a certified letter to Transunion ( Tracking Number : XXXX ), which was received by XX/XX/22. I was requesting an investigative consumer report for the accounts they said was verified on my consumer report. Transunion has corresponded on XX/XX/22 with a response unrelated to my dispute! I'm aware of the stall tactics that Transunion uses in regards to the time allowed by law to response to disputes. Not only they are ignoring the 15 days I gave them to respond to my dispute to what I was requesting, they are furnishing accounts on consumer report without my written consent pursuant to 15 USC 1681b ( a ) ( 2 )!!
Consumer complaint received 2022-05-24
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

I have been disputing accounts with XXXX, XXXX and Equifax in the last 2 months, The have not yet conducted an investigation nor the comments read " in dispute. '' They are now in violation of the FCRA
Consumer complaint received 2022-05-24
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have been disputing accounts with XXXX, TransUnion and XXXX in the last 2 months, The have not yet conducted an investigation nor the comments read " in dispute. '' They are now in violation of the FCRA
Consumer complaint received 2023-03-31
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: W&A Intermediate Co., LLC (TX)

Improper use of report. 

My rights under the No Surprise Act of 2022 are being violated. This debt was outsourced to a 3rd party, which I in NO WAY endorsed, and this violates my rights.
Consumer complaint received 2022-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I sent a letter to all XXXX credit bureaus them on XX/XX/2022. 

You are reporting Inaccurate information in consumer reports concerning me that you have complied and published to third parties. The following tradeline item is inaccurate because you have my name, address and employer inaccurate. 
Name : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX Inaccurate Employer : XXXX XXXX XXXX XXXX. Inaccurate Addresses : XXXX XXXX. XXXX XXXX, XXXX XXXX, FL XXXX inaccurate XXXX XXXX XXXX, XXXX XXXX, FL XXXX inaccurate
Consumer complaint received 2022-05-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (PA)

Wells Fargo didn't pay me {$300.00} Checking bonus when I meet all the requirements. When I called customer service, I was told I need to go to a branch to discuss with a banker. But I opened the account online instead of in a branch.
Consumer complaint received 2019-11-23
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)

The following accounts are fraudulent and a result of identity theft. They are not mine. They are currently reporting to XXXX  XXXX XXXX  XXXX XXXX The following inquiries are not mine reporting to XXXX  XXXX Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX The following inquiries reporting to Equifax and XXXX  XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX/XXXX  Inquiry from XX/XX/XXXX XXXX  XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX/XX/XX/XXXXInquiry from XX/XX/XXXX XXXX/XXXX  Inquiry from XX/XX/XXXX XX/XX/XXXX/XX/XX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XX/XX/XXXX/XX/XX/XXXXInquiry from XX/XX/XXXX The following accounts are not mine and reporting to XXXX  and Equifax XXXX XXXX  XXXX   {$950.00} XXXX  XXXX  XXXX XXXX XXXX {$760.00} XXXX XXXX {$260.00}
Consumer complaint received 2019-11-23
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: ID Analytics, Inc. (GA)

I want to report that a fraudulent account is in my credit report, I don't record this account as mine, in the pass I had been victim of data breaches in the web, I'm sending my ID and SS card as well as FTC report and a Police report to validate my claim.
Consumer complaint received 2022-05-24
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. (TN)

In accordance with the Fair Credit Reporting Act, Everything has to be 100 % accurate on my credit report. The Credit Bureau stated my account ( XXXX XXXX XXXX Acct # XXXX ) was properly investigated but how is that possible when the open date is inaccurate and the last date active is not accurate. This is grounds for removal. They also violated my rights under 15 US C1681 Section 602 A states I have the right to privacy. 
15 US C 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-03-10
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. (MO)

This is NOT a duplicate report and this is not filed by a XXXX party or XXXX Repair Agency. 

In Accordance with the Fair Credit Reporting Act Convergent this account below has violated my rights according to 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 an account without my written instructions. 

Account Name : XXXX XXXX Account # XXXX Furthermore, please provide the following : XXXX. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these XXXX things please delete these accounts from my credit report. Thanks
Consumer complaint received 2023-06-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (MD)

On XX/XX/2023 I Received a letter from IRS stating I received {$5000.00} through Block Inc ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX. Which someone used my name & social security number to receive these funds. I had never heard of these companies until the IRS notified me of this bill. We have reached out to IRS AND BLOCK INC concerning this matter. I have never received any funds from this company and I have been trying to prove it is a SCAM that someone received {$5000.00} using my name & social security number.
Consumer complaint received 2022-05-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (WI)

I used " PayPal Holdings , Inc '' services to receive money for a watch that I was selling. I used the " PayPal Friends & Family '' option as it should be more secure for the seller so you don't have to worry about chargebacks. A PayPal user by the name of " XXXX XXXX '' sent me {$5800.00} on XX/XX/2022 for my XXXX watch. I followed up with him and made sure that he got the watch and he confirmed that he did. We went about our way until XX/XX/2022. I received a message from PayPal stating that the buyer requested a refund because it was an 'unauthorized ' transaction and PayPal took {$5800.00} out of my balance as soon as they sent me an email so that I could provide documentation to dispute this chargeback. I also called PayPal about two weeks prior and spoke with two different employees ( all calls they state are recorded so there should be proof ) and both of them said that there is no way a buyer can claim a chargeback using the " Friends & Family '' method as we used for this transaction. PayPal did not adequatly verify that a user using their online financial service ( which should have adequate security to protect both buyer and seller from fraud ) was authorized to make a transaction and it is potentially put me in financial trouble as I could lose {$5800.00} and the buyer never offered to return the watch and PayPal automatically removed the funds from my account.
Consumer complaint received 2022-11-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/2022, I received a letter from BOA informing me that they've made decision to close my checking account. I tried to call their customer service at risk department and they gave me the answer with business reason. Then I went to branch at XXXX, the branch manager gave me some potential but not quite certain reason like : too many transactions has been made. The problem is that I only send the money through XXXX and XXXX for rent purpose and also the split dining bill with my friends. The other transactions include paying for merchant and service which all of them are legal business. 
I have proof and witnesses for every transaction I made. 

If it's because the reason provided by branch manager, then the action what they imply me for suspicious activity is a big humiliation, I will take legal action against this situation. 

I strongly believe my account was been closed with a huge mistake.
Consumer complaint received 2022-05-24
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: EQUIFAX, INC. (TN)

In accordance with the Fair Credit Reporting Act, Everything has to be 100 % accurate on my credit report. The Credit Bureau stated my account ( XXXX XXXX XXXX XXXX Acct # XXXX ) was properly investigated but how is that possible when the open date is inaccurate, the date last active is inactive, and the date last reported is not accurate. This is grounds for removal. They also violated my rights under 15 US C1681 Section 602 A states I have the right to privacy.

15 US C 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-10-16
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. (SC)

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 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 2022-05-24
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. (AR)

In accordance with the fair credit reporting act : XXXX XXXX XXXX  ( Account # XXXX ) has violated my rights. 

15 U.S.C 1681 Section 602A. States I have right to privacy 15 U.S.C 1681 Section 604A Section 2. States a consumer reporting agency can not furnish a account without my written instructions which I did not give.
Consumer complaint received 2023-06-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (NJ)

Hello, My unauthorized charge claims were denied without an investigation and an explanation. 
I will be writing to my state representative, The Consumer Financial Protection Bureau, The FTC and the Federal Reserve. I will also be speaking with attorneys to go over my legal options including arbitration with XXXX. ** '' My original inquiry : I'm trying to keep my composure. Please bare with me... I would like to report multiple unauthorized charges that just occurred. I do not recognize these charges. I always assumed I misplaced my physical card ages ago in my home, but apparently it was either stolen or lost outside. Ever since the I have only used Cash App for digital purchases. Please, please help me with this situation. I'm literally shaking. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Klarna AB (IL)

Today I applied for a reapproval for Klarna and was denied due to them telling me that they can't identify my identity with XXXX. That's strange, because every time I try to apply for an account with them I get this same message. I think this bank discriminate against applicants that have a credit freeze on their credit and keep in mind that's in place to protect them. I was a victim of identity theft is the reason for the freeze. 

Mind you prior to applying I removed the freeze off of my credit report. Screenshots are attached. Normally if a freeze is on an applicant 's bureau the creditor would reach out to request it to be remove in order to process the application, but not XXXX this is a bias bank and I want them to run the credit as the credit bureau is unfroze. 

Any questions I can be reached at XXXX
Consumer complaint received 2019-07-30
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: CREDIT ACCEPTANCE CORPORATION (TN)

I filled Out An application Back In XXXX XXXX. 
My Step dad also filled out an Application. 
The car lot Man name XXXX, commutation to my That my credit were bad. 
He told me that I did not get approve for the loan. 
A week from that I got that loan denied letter in the mail. 
Miss place my papers. 
I have requested paper from the Company that said they can not prove me no papers.

Three Months ago I visit the car lot. 
XXXX ask me why are the loan on your credit you did not get approve for that loan, Our Step dad got approve. 
I need them to remove off my credit if they can not provide my denied loan letter.
Consumer complaint received 2023-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Block, Inc. (MN)

So I use the card frequently for online gaming purchases with two different merchants operated by the same company. The merchants are chumba, and luckyland and they are operated by a outfit called XXXX ( virtual gaming world ). Now I make frequent purchases throughout a session and what began happening is that when I would go to process a payment it would initially come back and say failed please try again so I would go back and try it again and then it would go through. I assumed it was some kind of network error, or perhaps connectivity issue and thought nothing if it since it always went through the second time. Well it wasn't until later that it was brought to my attention by another user of the website that he was being double charges that I went back and looked and sure enough going to XXXX they have been double charging me on those occasions. I know this for a fact because I don't make two or three purchases in matter of minutes, in fact often within the same minute!! So I disputed the instances I found that I was sure of and the cash all people granted several of them and denied a bunch of them. I don't know how they grant half of them an then say that the others aren't valid when they are the exact same issue.