davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

XXXX  I have called them on numerous occasions asking for XXXX XXXX XXXX to be removed from my credit file as this information is incorrect I no longer own this debt it has been satisfied, I started contacting them on XX/XX/2020 up until XX/XX/2020 I have a letter stating that they have sent to them my information to be updated and it has yet to come off this Debt is for {$890.00} from XXXX XXXX XXXX, I have the most issues with XXXX  and the reps because there is language barriers that prevent them from assisting me to the fullest each time they open a dispute and comes right back verifying the debt that is inaccurate. 
XXXX I called them starting the same dates as mentioned above and no results. 
Experian - I called them and same as mentioned aboved
Consumer complaint received 2020-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

XXXX  I have called them on numerous occasions asking for XXXX XXXX XXXX to be removed from my credit file as this information is incorrect I no longer own this debt it has been satisfied, I started contacting them on XX/XX/2020 up until XX/XX/2020 I have a letter stating that they have sent to them my information to be updated and it has yet to come off this Debt is for {$890.00} from XXXX XXXX XXXX, I have the most issues with XXXX  and the reps because there is language barriers that prevent them from assisting me to the fullest each time they open a dispute and comes right back verifying the debt that is inaccurate. 
Transunion- I called them starting the same dates as mentioned above and no results. 
XXXX - I called them and same as mentioned aboved
Consumer complaint received 2017-08-23
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Hewitt-Capital (TN)

I received a phone call this morning and spoke with the lady on the phone and then I spoke with a gentleman named XXXX. I was informed by the lady that I was going to be served by XXXX County Police Department and if I did n't pay it then legal action would be taken and the paperwork was to be served for to appear in court. I was also told that she would see my accounts that were attached to this loan. And I was also told that it would go after anyone who was a reference on my account and also that they would serve me either at my place at home or my place of business. To not give me information on what the paperwork was for until I spoke with XXXX it was just to let me know that they we 're just giving me information about what they were trying to do. She did not inform me at first of the conversation either that this was an attempt to collect a debt.
Consumer complaint received 2022-01-14
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. (GA)

Transunion has been reporting Erroneous and fraudulent information there for violating the FCRA ( Fair Credit Reporting Act ) section 609 - 811. I am currently seeking to bring litigation to Transunion because my character has been defamed. I demand that these inquires below be removed immediately.
Consumer complaint received 2023-07-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (NJ)

Earlier today I withdrew money from my XXXX work app which allows me to have early access to my next weeks paycheck. I sent {$480.00} to my friend XXXX XXXX, via cashapp. ( WHOs cashapp account was frozen and I did not know prior ) He has my money sitting in his balance and they will not allow him to refund me my money!!!! This is a shady business.
Consumer complaint received 2023-07-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (AZ)

On XX/XX/2023 someone fraudulently acquired funds from my cashapp account which was linked to my bank. The funds were then transferred using bitcoin. Cashapp claims they are unable to reverse transactions involving bitcoin and refuses to refund me my money. My bank first convenience claims that they cant refund me because it was withdrawn through cashapp. My hands are tied and Ive lost {$890.00} that I didnt have.
Consumer complaint received 2021-03-09
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. (NJ)

This is the last time I am sending this letter to your company, Transunion, before I sue you for violating my rights as an consumer. Remove the alleged account below from my consumer report as you are in violation of 15 USC 1681b, being that I, the consumer, did NOT give you WRITTEN instructions to include this alleged information on my credit report. You are also in violation of 15 USC 1681a as it looks as though this alleged account is from an authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. Transunion is also in violation of 15 USC 1681c-2 as you refused to block this information within 4 business days of the receipt of my identity theft report even after I called and it was verified that your company received my documents and was then told that your company policy says 30 business days ... well that is NOT what the law says. Transunion is also in violation of 15 USC 6801 as both you and the creditor of this alleged account are apart of constructive fraud while simultaneously causing substantial harm to me as a consumer. 


XXXX XXXX XXXX
Consumer complaint received 2021-04-14
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: NCB Management Services Inc. (RI)

I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any suchdocumentation bearing my signature, I formally request that this information be immediately deletedfrom the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Actsection 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a smallclaims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.
Consumer complaint received 2019-10-03
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

I have two serious complaints against Transunion. Both are about legal issues and possibly violate civil and criminal law and are not directly tied to a credit report. 
i was given a phone number by CS rep. to calll XXXX. No one ever answers and goes automatically to voice mail. I have left 3 messages for them to call me since Monday, but no calls were returned. 

These are serious issues that are not being able to be handled by CS reps. and they said to call. 
I don't want to expose Transunion to this complaint forum now, I just wish to talk to management - someone beyond doing just credit reports.
Consumer complaint received 2023-07-14
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. (MD)

MY ACCOUNT WAS HACKED!!!! I WAS A VICTIM OF FRAUD AND CASH APP WONT RECOGNIZE THAT!!!! INSTEAD THEY TELL ME I CANT GET ANOTHER CASH CARD!!!! THIS IS CRAZY IVE BEEN ROBBED BY CASH APP XXXX AND XXXX ALL IN ONE MONTH THIS RIDICULOUS AND NOBODY WILL DO ANYTHING ABOUT IT IM THE ONE SUFFERING!!!!!!! THE FRAUDS DONT CARE THEY ALREADY HAVE MY MONEY AND DID WHAT THEY WANTED TO THE ACCOUNT. NOW ITS TAKEN OUT ON ME AND I HAVE TO LIVE WITH BEING ROBBED AND NOT HELPED!!!!!!!! XXXX XXXX XXXX XXXX XXXX XXXX XXXX!!!!!!!!!!!!! WHY!!!!!!!!!!!
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

The account below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX Creditor Contact XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX has violated my rights. 15 U.S.C 1681 section 602A. States I have a 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. 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 my 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-07
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$35.00} ; Medical XXXX Balance : {$33.00} ; XXXX XXXXXXXX Balance : {$35.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2024-03-07
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. (TX)

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-02-11
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. (AR)

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw a outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. 

XXXX XXXX XXXX {$150000.00} XXXX XXXX XXXX {$150000.00} XXXX  XXXX XXXX {$3400.00} XXXX XXXX XXXX {$2500.00} XXXX XXXX {$9300.00} XXXX XXXX XXXX {$24000.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX {$20000.00} XXXX XXXX XXXX XXXX XXXX {$1200.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}
Consumer complaint received 2022-08-26
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: JOHN GIBSON AUTO SALES, INC. (TN)

I went to XXXX XXXX in XXXX XXXX XXXX a week prior before purchasing a XXXX XXXX XXXX when I made it I was looking for a suv the salesman there said they really didnt have a selection but he remembered he had 2 XXXX in the shop and wanted me to go take a look I asked what was they in the shop before I went to look so they told me it was in the shop because of the radio thats it so Im like ok well when will it be done they told me in a week so I came back on XX/XX/XXXX and purchased the vehicle for XXXX so a hour into me going home the vehicle started jerking would change gears speed up slow down so i called the salesman and he told me that they would pick the vehicle up and fix it yesterday XX/XX/XXXX was the day they could pick it up a month later so I called to see did they find out whats the problem and they informed me that the transmission is no good and the auto company will not fix it or refund me no money at all.
Consumer complaint received 2022-01-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISSIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.
Consumer complaint received 2023-07-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (CO)

On Saturday i was using cash app and my transaction was canceled for security purposes. As of today the money is still not in the bank and the transaction is still pending. This would not have been such a big deal if i had disposable income but unfortunately this left me not able to buy groceries or do anything over the last 5 days. So I'm not really sure if this is a cash app issue, a bank issue or? But if money can be taken from a consumers account immediately then why is the reverse an issue? And if this was a security issue then maybe the money should not have been taken in the first place.
Consumer complaint received 2023-07-02
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: SANTANDER HOLDINGS USA, INC. (PA)

On XX/XX/2023 i notice fraudulent activity on my credit file for inquiries from multiple banks all in one day for no reason of me i called XXXX to inform of fraudulent activity i was told steps to take to remove information i did each step today i see inquiries still show on my report.
Consumer complaint received 2021-04-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (GA)

Chime Bank closed down my account on XX/XX/XXXX, without any valid reason, with my funds in it. XXXX XXXX XXXX dollars! I sent in all the required documents that was asked of me and they still closed it down. With no reply to my emails, even went as far as not even letting me call ( blocked my number )!
Consumer complaint received 2024-03-07
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. (TN)

Months ago, I have sent a letter to the three credit bureaus 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 previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023
Consumer complaint received 2023-07-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (KY)

On Monday the XXXX of XXXX, XXXX, I deposited the {$280.00} from Cashapp to my XXXXXXXX XXXX account. Cashapp 's error caused it to triple the deposit into my banking account. The deposit was posted to my XXXX Account and I was unaware of this. I have it set up in my XXXX account to not go negative if the money is not available, and no charges will be processed to my account if the money is not available. Because of the triple deposit, The XXXXXXXX XXXX system thought the money was in there and other charges went through due to the error caused by CASHAPP. Then four days later CASHAPP reversed two of the deposits made electronically to my XXXX account.This caused my banking account to be - {$520.00} on Saturday. Which I had to borrow from someone else to make my account in the positive so I didn't accrue any charges.
Consumer complaint received 2020-02-11
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. (CA)

Experian is reporting incorrectly that I am ( 90 ) days late on the XXXX XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2023-07-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (FL)

I used Cashapp with no issues for quite some time. on XX/XX/XXXX, I accidentally requested a refund of funds I paid someone using cashapp in the amount of {$300.00}. It must have happened with Cashapp open on my phone in my pocket. Cashapp removed the funds from their account but did not return the funds to me. I still had to repay those funds to the person whose account it was removed from, without question. Currenlty, it says " pending, will refund by XX/XX/XXXX. Cashapp closed my account within one day of the transaction. When I contacted Cashapp, multiple times, one agent said that if they cance your account while money is in the transfer process, it suspends the transfer. This is a known issue according to the agent. They refused to give a reason why my account was closed.This was recorded and can be pulled from Cashapp customer service. They then escalated me to a supervisor who refused to help in any way and would only refer me to the bank the deposit was being sent to. He could not have been more rude or unhelpful. I can forward the email thread, if they like.The bank, who I have used since XXXX, has no knowdlege of any pending payments. As of right now, Cashapp has {$300.00} of my money, which is a lot to the average person to just have stolen from them by a company and told where to go. They knew it was going to happen and that they could keep the {$300.00}. They do it all the time.
Consumer complaint received 2020-02-11
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. (CA)

XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 120 ) days late on the XXXX XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2023-07-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (VA)

I made a transaction for {$120.00} on XX/XX/2023 for a service on Cash App and the money was taken from my bank account, yet the person on the other end claims they never received it. I wanted to open an investigation on my end, but Cash App refused to let me do so. They just kept saying the funds were sent successfully. And if the person was lying and they did receive the funds, I have proof that they claimed they didnt receive the funds. They wouldnt even look into the possibility that their system may be flawed, or that I truly was scammed.
Consumer complaint received 2023-07-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc. (TN)

i was using cash app and order a cash app card which they sent to me but refuse to activate and then reported to them that my account had been hacked and transactions attempted which i can not access the dates and amounts for because i had to close my cash app account because they took XXXX minutes after i reported it to say no fraud had occur.