davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc. (IN)

On XX/XX/2023, someone got into my Cash App and sent money to an unknown account. I contacted authorities immediately and started an investigation. Cash App told me that there was no way to recover those unauthorized charges and that there was no way for me to get any help. Since Cash app did this I went directly to my bank for assistance, now no one wants to help me with my situation. It is XX/XX/2023, and I have contacted Cash App multiple times to reopen their investigation because I have stated very clearly that these transactions on the account where unauthorized. They continously tell me that the XXXX shown on for the charges came from my account, but I've told them countless times that I DID NOT AUTHORIZE THEM! Even when I try to ask to speak to a manager, they can only send me one-way emails and continue to enforce that there is no way to reverse their decision. I am seeking help because now my Bank is attempting to charge me for the money that was credited to me during the investigation. Cash app had told me the only things I could do was : 1. ) Request that the person who received the money refund back to me. 2. ) Contact Law Enforcement. I have done both of those things and am getting nowhere. I need help because my account is now in the negative and I feel that I am being treated unjustly.
Consumer complaint received 2024-03-11
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)

Dear CFPB, Transunion is in violation of FCRA 15 U.S. Code 1681g. 15USC1681 ( a ) ( 1 ). I am a victim of iIdentity theft. I have contacted the NJ courts, XXXX, and received in writing that they do not report to any credit bureau
Consumer complaint received 2023-03-08
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. (TX)

XXXX XXXX is reporting an inaccurate charged off account on my credit reports that I have been disputing for a while now. 

This account is reporting inaccuracies on my reports with each credit bureau with different open dates, payment date and active dates. How are the bureaus able to verify inaccurate and inconsistent information? I am sure this is against the law per the FCRA. It is their job as the consumer reporting agencies to conduct proper investigations and report 100 % accurate information. I know for a fact that if they are verifying inconsistent information that this account surely can not be verified as accurate. 

I am requesting that this account is deleted from my reports and an updated copy of my reports is mailed to my address!
Consumer complaint received 2023-03-10
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)

It has been a dissappointment seeing my Credit File still indicated the disputed accounts reported on my Credit File despite the numerous attempts I have done to correct my Credit File. I have been sending dispute letters directly to the Credit Bureaus with complete attachments of my perosnal information. I have also submitted CFPB Complaints to the in hopes that the Credit Bureaus will be able to see my disputes. But no matter how I try, the Credit Bureaus have also been ignoring my requests. Their willful non-compliance with the Fair Credit Reporting Act, is a clear violation of a consumer 's rights under the Federal Law. The Credit Bureaus have been claiming that the Disputed accounts and information are verified and yet they have not sent me copies of proof of their verification. I wish to avoid as much trouble for me and the Credit Bureaus. If it not that too much to ask, please have the following items corrected and fixed from my Credit File : DEPTEDXXXX XXXX Balance Owed : {$1400.00} ; DEPTEDXXXX XXXXXXXX Balance Owed : {$4200.00} ; DEPTEDXXXX XXXXXXXX Balance Owed : {$10000.00} ; DEPTEDXXXX XXXXXXXX Balance Owed : {$88.00} ; DEPTEDXXXX XXXX Balance Owed : {$3100.00} ; DEPTEDXXXX XXXX Balance Owed : {$1300.00} ; DEPTEDXXXX XXXXXXXX Balance Owed : {$3000.00} ; DEPTEDXXXX  XXXX Balance Owed : {$10000.00} ; DEPTEDXXXX XXXXXXXX Balance Owed : {$3000.00} ; DEPTEDXXXX XXXXXXXX Balance Owed : {$4700.00} ; XXXX XXXX Balance Owed : {$0.00}. If the Credit Bureaus are not able to find me any documents to support their claims that the disputed accounts have been verified, I would greatly appreciate it you correcting the disputed accounts as soon as possible.
Consumer complaint received 2024-03-11
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. (UT)

TransUnion is in Violation of the Fair Credit reporting Act ( " FCRA '' ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ) I did not give any permissible. This Aggravated Identity Theft pursuant to 18 U.S.C 1028A these are the accounts weren't authorized by me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 TransUnion refuse to remove after I already made numerous attempts to remove
Consumer complaint received 2022-05-25
Product: Credit reporting, credit repair services, 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. (OH)

Good afternoon. I'm writing to inquire if your organization could help me with an identity theft issue and an unscrupulous banking arrangement between XXXX ( XXXX, IL ) and XXXXXXXX XXXX XXXX  XXXX XXXX ( XXXX, OH ). Their service is one of three that allowed bad actors to attempt to borrow large sums of money against my credit profiles. While the other two " banks '' quickly handled the fraud issues and their respective hard pulls against my credit profiles, both XXXX and XXXXXXXX XXXX XXXX XXXX XXXX have refused to correct this matter. 

Thus far I've submitted complaints on the FTC and Ohio XXXX websites, but nothing has happened and frankly I'm not expecting much from these agencies. However, I want to protect my credit profiles and send a message to fradusters like these jokers. 

While I've already locked all three of my credit profiles, I'd like to know if I have any legal remedies available to me since XXXXXXXX XXXX XXXX  XXXX is based in Ohio and I'm an Ohio resident. Perhaps a cease and desist or demand for compensation for time spent working to rectify their debacle? 

In any event, please review the following thread and attached emails in PDF format regarding this matter and let me know if this is something your organization may be able to assist with resolving. Thank you in advance for your time and assistance... and I really hope that the CFPB can help me.
Consumer complaint received 2023-03-10
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. (PA)

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.
Consumer complaint received 2023-06-07
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (FL)

A Cash App customer service agent maliciously attacked my account, disabled, my cash app card before the phone call. My account was fine. The agent was upset that I was irate on the phone and disabled my card. They also access my account without my knowledge or consent I was calling in about a deposit that was held on my card from a hotel
Consumer complaint received 2023-06-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. ()

Hi, I signed up to use cash app to receive payments about a month ago and when i went to withdraw soe moey last night it read that i could withdraw XXXX. When i asked their support, which is only through chat on the app, they were less than helpful and advised as i'd reached my limit of withdrawing and sending of XXXX a month i couldn't withdraw. I know this is untrue as I've withdrawn XXXX and XXXX over the past two weeks and i've only ever sent two payments since i opened the account of 1 each so i know this isn't correct. When asked about this they just ignore your question and say we cant help. The app allows XXXX a week to be deposited and they're now saying i cna only withdraw XXXX a month, this has to be illegal and goes against what it says on the app the limits are. They're witholding over XXXX of mine and wont allow me to withdraw. I know this is a scam. I'm based in the XXXX but cash app is based in XXXX XXXX. I need help to get my money out.
Consumer complaint received 2023-06-07
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 filed a dispute through cash app for a restaurant in XXXX NC XXXX XXXX. Due to a wrongful charge on my account. Although it says in the screenshots i filed the dispute for the total amount. I only requested a refund for XXXX dollars and some change give its take. When filing a dispute they ask you how much and thats what i put in. I never received a food item at the restaurant plus the tip I gave The waiter. Before leaving the restaurant I was assured Id be given a refund and didnt get one. The waiter disappeared and was not seen. I filed a dispute with the company and called the restaurant to let them know that I didnt get my refund and of my request. This all happened in the same day. A refund was given immediately and corporate followed up days later with a refund and gift card as well. No I did not notify cash app of the refund because I assumed someone would contact me. Like it said they would when I filed the dispute. I woke up this morning to my card being deactivated, XX/XX/2023 with cash app claiming my claim was false or fraudulent. However nothing was false or fraudulent and no one ever followed up with me. I assumed They would see I was given a refund and close the dispute. In no way shape or form was I trying to get over on anyone or file a false claim. I got What I needed from XXXX XXXX and I am content.
Consumer complaint received 2023-03-10
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. (KY)

This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXX  {$29000.00} XXXX XXXX XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-11
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. (FL)

THOSE FRAUD inquiries shall delete from my credit report. 
XXXX XXXX XXXX INQUIRY DATE : XX/XX/2023 XXXX XXXX INQUIRY DATE : XX/XX/2023 XXXX XXXX XXXX  INQUIRY DATE : XX/XX/202XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/2023 XXXX XXXX XXXX XXXXXXXX INQUIRY DATE : XX/XX/2023 XXXX XXXX XXXX INQUIRY DATE : XX/XX/2023 XXXX XXXX XXXX INQUIRY DATE : XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/2023 XXXXXXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX DATE : XX/XX/2023 XXXX XXXX INQUIRY XXXX XXXX XXXX INQUIRY DATE XXXX XX/XX/2023 DELETE XXXX FRAUD INQUIRIES FROM MY CREDIT REPORT BY LAW.
Consumer complaint received 2022-05-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: TradeStation Group, Inc. (NE)

On XX/XX/XXXX I opened an account on Tradestation account with an attached {$500.00} bonus for depositing {$10000.00}. I was a new customer who never had an account before. Upon transfer, I completed several transactions. I met all the requirements to receive the bonus and Tradestation is refusing to honor their promotion. I inquired as to why the bonus has not been awarded to my account, and first I was told that the promotion ended XX/XX/XXXX. I provided them screenshots of their website showing that the offer was still available on XX/XX/XXXX. Then they claimed that the transferred " new '' money had to stay in the account to receive the bonus, which is not one of the conditions of the promotion. I have attached a copy of the website showing the terms of the promotion, dated XX/XX/XXXX.
Consumer complaint received 2017-11-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NJ)

During my XXXX years, I took out student loans withteh help of XXXX co-signers XXXX XXXX of which is deceased and the other I have not maintained contct with ). I gradauted with my XXXX degree in XXXX and have struggled most times in keeping up with my student loans I have utilized many forbearances/deferrments. I also took advantage of in school deferrrments while getting my masters and my XXXX XXXX which I am still in the midst of ). Several months ago I contacted Navient wanted to work out a manageble plan to make payments on a regular basis. I have been doing so ever since ( please see attached ). I took a year off from my XXXX program and about a month ago, I contacted Navient and let them know that I had returned to my XXXX program and expected to once again be placed on in school deferment. They said they could not do anything on their end had to wait for my name to appear in the Clearinghouse before approving an in school deferrment. As usual they eluded to teh thereat of contacting my co-signer as they always do if I did not continue making payments. In the end I said okay. Though I did call my school in hoped of them contacting Navient on my behalf to expedte the process, but my school stated that they do not do that and I would have to wait for the XXXX House list to be released to navient. I said okay. 

Immediately following that phone call, I began receiving several phone calls a day from Navient 's XXXX system. This has been happening for a week now. I just logged into my Navient online system because I have been bewildered at the harassing phone calls when I have been and am current. I was shocked to see that there was a message on the left stating that I was XXXX payments behind as well as a tacked on non-payment from XXXX XXXX XXXX which is false ( see attached ), although the payment history shows all my payments made from the point I establshed payments with them in XXXX of XXXX XXXX see attachment of payment history ). The payment history also includes late payments fom when I was under in-school deferment.
Consumer complaint received 2019-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (OH)

I have reached out to XXXX XXXX XXXX, and XXXX to dispute an error with reporting regarding 6 XXXX XXXX accounts post-Bankruptcy discharge. My bankruptcy was discharged on XX/XX/18, and these accounts still do not reflect included in bankruptcy, but are instead showing as charged off, and missing 6 payments.
Consumer complaint received 2023-06-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (CA)

On XX/XX/29 my identity was stolen. There have been multiple accounts created with my personal information. Ive tried to close many of them but the cash app account created with a fraudulent number Also a company called XXXX XXXX. I know there was an account created with my information as well.
Consumer complaint received 2019-06-17
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. (TX)

XXXX  and Transunion are incorrectly reporting a charged off account where I am shown as an Authorized User on XXXX partial account number XXXX. ( Please see pages 4 and 5 of the attached credit report. ) I have already called XXXX XXXX XXXX  and let them know that I never gave permission to be added as an Authorized User to this account. This tradeline has been removed from XXXX, however XXXX  and Transunion have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.
Consumer complaint received 2016-10-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (NY)

I have previously submitted a certified letter on XXXX XXXX XXXX which was received and signed for on XXXX XXXX, XXXX and on XXXX XXXX XXXX requesting that a dispute be initiated for a XXXX # XXXX account which is reporting inaccurate information on my Credit Report. The following is a list of inaccurate, incomplete information still contained in XXXX XXXX # XXXX account after the dispute. 
1. Account opened on XXXX/XXXX/XXXX and no payment history is reported from XXXX XXXX. 
I have previously disputed this account and as of the last update the account still contains the inaccurate data. Enclosed is a copy of driver 's license, copy of the reporting of the XXXX XXXX # XXXX account, Copy of the Certified Letter sent on XXXX XXXX
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: EQUIFAX, INC. (TX)

I submitted a letter to the Credit Bureaus to delete these suspicious inquiries. I think you have not validated these inquiries in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-11-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

I called Navient to set up a reduced payment plan. I agreed to the terms and everything was situated. My debit card was compromised so I notified Navient of the situation. The representative stated that i would need to cancel the previous set up and start up a new one with my new debit card information. Which was what was exactly what was done. I agrees to the new terms and everything. Navient has been automatically taking funds from my checking account since XXXX 2017 for the agreed upon reduced amount. However I received a notice via mail stating that my account was delinquent. I contacted Navient and spoke with a representative that went back into the notes and stated the last representative did not properly enroll me into the program and that she no longer worked for the company. She supposedly quit that day. I ask the representative why should I be responsible or penalised for someone elses mistake, but there was nothing they could do and I would be responsible for the balance. A balance that continuously effecting my credit.
Consumer complaint received 2023-02-06
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. (MD)

XXXX XXXX continues to report inaccurate balances on my credit report. I have disputed this inaccurate information to all three credit bureaus when my current balance was inaccurately posted at $ XXXX, I have never had a loan with the company in that amount. My loan amount with XXXX was $ XXXX with a lower current balance. I have been making timely payments on this account since its origination. Now, XXXX has again reported an inaccurate current balance of $ XXXX on my credit report which has again negatively affected my XXXX XXXX. The correct current balance that XXXX has failed to accurately report to all three credit bureaus for the last few months is {$220000.00}. These inaccurate reports to the credit bureaus has consistently resulted in decreases in my XXXX XXXX without any full recovery once any form of adjustment was made. Its beginning to feel like fraudulent and targeted inaccurate reporting.
Consumer complaint received 2017-11-10
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Pacific Union Financial, LLC (TX)

We live in an area that was affected by Hurricane XXXX. I called in at the end of XX/XX/XXXX and asked for a loan deferment. I was informed that the deferment was pending approval, and they would notify me when it was approved. I asked to proceed with a deferment, and they enrolled me in a forbearance plan without my consent. I was under the impression my loan was being deferred, in which 3 months of loan payments would be added on the back end. I am now being sent letters discussing foreclosure, if I am unable to pay my mortgage in full for the 90 days. I called in and informed them that they made a mistake, and they blamed me and showed little concern. Their misrepresentation has put my family in a touch situation, where we now have to find a way to come up with nearly {$7000.00} in less than 30 days, in order to avoid foreclosure procedures. Pacific Union needs to be held accountable for this misrepresentation, wrongfully enrolling me in a forbearance plan when I specifically asked for a deferment plan, and their lack of concern or care for consumers.
Consumer complaint received 2022-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AZ)

I have requested multiple times to update current address and this has not happened. 
XX/XX/22 & XX/XX/22 Equifax is still not updating. The other 2 bureau have the correct address on file. Equifax also has the incorrect date of birth and Incorrect prior name on file. 
This is now affecting me to get a loan. Please help