davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-01
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. (TX)

Help Please! I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. These items found within my credit report are not related to any transactions that I have made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer repeatedly and its defamation of my character. 

UNKNOWN ACCOUNTS : XXXX XXXXXXXX XXXX XXXX Account # XXXX {$5000.00}
Consumer complaint received 2021-09-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (NV)

I needed to withdrawal cash from my checking account on Tuesday, XX/XX/XXXX, around XXXX XXXX  PST. I went to two separate US Bank locations in XXXX, and both ATMs were down. The withdrawal was needed to handle a personal family emergency with a compact timeframe. Instead I went to a nearby casino/resort. XXXX XXXX. They were great by the way. I was able to withdrawal the funds I needed ( {$3000.00} ) + {$92.00} in fees. In a matter of seconds with no hassles. I called US Bank ( XXXX Branch ) on Thursday, XX/XX/XXXX around XXXX XXXX  PST. To request for the fees to be refunded. I was told there is nothing that could be done. I was told I should have tried 12 other US Bank locations in XXXX first ( I had already tried two ). Or told I could have visited a branch today ( Friday, XX/XX/XXXX ) to withdrawal the funds?!?!. When I pushed back I was told to contact the originating US Bank in XXXX XXXX XXXX, CA ( for my accounts opened in approx. XXXX ). To request a refund of the fees. But I was also basically told it wouldn't matter. I was told they would call the Branch Manager in XXXX XXXX XXXX. I called the US Bank in XXXX XXXX XXXX around XXXX XXXX  PST ( the same day ). They said they never received a call from the XXXX Branch. I was told by both branches that a " manager '' would call me. This never happened. US Bank has continued to give me the " run-around '' and has offered no resolution. They have both told me to dispute the fees with XXXX XXXX. Why? It wasn't XXXX XXXX 's fault. They allowed me to withdrawal my funds. US Bank didn't. Their ATMs were down. I have multiple accounts with US Bank, an auto loan, and a revolving line of credit. A credit card with a XXXX balance. An exceptional credit rating. I wasn't asking for any dollar amount of my funds that I didn't have. Not even close. I have both funds and available credit in way excess ... Once again US Bank 's ATMs were not working. Thank you.
Consumer complaint received 2019-05-09
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. (NC)

I submitted an online dispute XX/XX/XXXX with Transunion for a collection notice that appeared on my credit account a week prior from XXXX XXXX in PA, on behalf of XXXX XXXX XXXX. I also mailed certified notices XX/XX/XXXX with complete documentation to both XXXX XXXX and XXXX XXXX XXXX that prove and show I never had a contract with them. I never had any signed contract with XXXX XXXX XXXX and their claim is invalid and fraud. I had a signed contract with another company for restoration to my home which flooded during Hurricane Florence. Since XXXX XXXX   worked with the other company they asked me to pay a 60-40 split to each company which I did. I have also email and texts to that effect. I submitted their itemized bill to my insurance company and they also dealt directly with my insurance agent and submitted the scope of their work. There were 2 items that were found to be incorrect in their billing and they were notified as soon as it was discovered and requested to adjust their billing. XXXX XXXX  stated in an email they " would be happy to adjust their billing '' to the correct amount. XXXX XXXX   XXXX billed incorrect square footage and they threw out salvagable door parts. The insurance loss disbursement adjusted for the correct square footage and refused to pay for parts the company threw out haphazardly. The total billable was {$25000.00}. The amount deducted was {$2000.00} for incorrect square footage measurements and {$720.00} for parts thrown in dumpster. I paid {$22000.00}. I have recorded telephone call from XXXX XXXX who stated if they did the work, their bill would be no more than {$10000.00}. I also have text message stating they were owed {$10000.00}. I paid them a total of {$9000.00} after the deductions. They never billed me the amount they submitted to the XXXX XXXX, nor do I owe anything to them at all. I sent cancelled checks, signed contract, copies of emails and texts supporting all of this including legal sketches of house showing correct square footage. This claim is completely wrong and false and fraudulent. I can provide proof of the entire fraudulent claim proving I owe nothing and in fact overpaid them.
Consumer complaint received 2023-09-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (CA)

On XX/XX/23 I randomly got charged XXXX {$100.00} transactions at the same time. The transactions showed that my money was about to go my cash app ( the merchant ) but the issue is I didnt authorize to move any money to cashapp so I wanted it back in my checking account. Less than XXXX minutes when the transactions started posting it was still pending but I wanted the transactions cancelled. So I contacted chat right away but they said they couldnt do anything until the transactions were done pending but I wanted the transactions canceled before they were even done pending because I know I didnt authorize anything. So at the the same time around an hour after those transactions posted as pending and my {$500.00} was gone out of my account I contacted the merchant cash app through their chat and told them to cancel those transactions and my XXXX was not even in my cashapp account yet. Cash app told me they returned the funds back. My {$500.00} wasnt back in my checking account but once the transactions were done pending I started the dispute with XXXX XXXX. They now kept me waiting for weeks to get my money back just to deny my dispute. I contacted them back about it because they didnt even ask for no proof that I didnt authorize the transactions. So I sent them screenshots and more emails and they told me to wait a couple more weeks for their decision. They sent me the documents used against my claim and they make no sense. It says in the documents that by accessing the application and viewing the screens and transactions that I acknowledged it. That is wrong just because I was viewing the transactions doesnt mean I acknowledge or approved anything. So Ive called it about it to make sure they note that to the internal team. Ive now lost {$500.00} to these disputes that were wrongfully denied and have waited way too long to get it back when I know I didnt authorize anything it shouldnt take this long to figure that out by now and when I have all the proof.
Consumer complaint received 2024-03-28
Product: Credit 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: GOLDMAN SACHS BANK USA (NC)

This is regarding XXXX XXXX XXXX handling my transaction dispute case. I would appreciate any help. 
XX/XX/XXXX : I purchased shoes totaling {$190.00} from XXXX XXXX. 
XX/XX/XXXX : Due to the shoes not fitting, I returned them using the provided return label. 
XX/XX/XXXX : After some wait, I received a refund for the returned shoes. 
XX/XX/XXXX : Unexpectedly, I noticed another charge of {$190.00} on my account from XXXX XXXX, without any prior notification or explanation. 
Despite numerous attempts to reach customer service, including long wait times on hold, I was unable to resolve it with a representative. 
XX/XX/XXXX - XX/XX/XXXX : I escalated the matter by opening a dispute with XXXX XXXX ( which I used to purchase the shoes ) providing all necessary evidence, including screenshots of conversations with XXXX XXXX confirming receipt of the returned shoes. 
XX/XX/XXXX : XXXX XXXX rejected the dispute without providing any explanation. 
XX/XX/XXXX : I reopened the case with XXXX XXXX and submitted additional evidence like tracking number of retuned shoes yet it was rejected again without clarification. 

I am deeply frustrated and exhausted by this ongoing ordeal. Not only am I out of both money and shoes, but the lack of communication and resolution from apple is incredibly disheartening. 

I kindly request immediate attention to this matter and a swift resolution. Your prompt assistance in rectifying this issue would be greatly appreciated. 

Thank you for your attention to this matter.
Consumer complaint received 2021-09-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE (FL)

O n XX/XX/21 I signed up for a cruise on XXXX and if I wanted to reserve my reservation I had to give a deposit by XX/XX/21. Barclays was offering a deal that if you open a credit card with them and use their card they would credit me back XXXX dollars towards the cruise I signed up and got a reply back stating it would take time for them to decide if I was credit worthy. I then gave XXXX the required deposit from my checking account. A week later Barclays sent me a credit card. Because they did not give my the credit on XX/XX/21 I am out of luck on the discount. ON XX/XX/21 I tried to activate the card but Was told a specialist would activate the card. I WAS PUT ON HOLD FOR 2 HOURS NO ONE ANSWERED THE PHONE AND I GAVE UP. credit card XXXX mastercard
Consumer complaint received 2018-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (LA)

Experian credit has refused to unfreeze my credit causing harm. XXXX XXXX, XXXX   unfroze my credit in 10 minutes after finally reaching customer service they ran me through the gamut after 15 minutes XXXX comes back on the phone it tells me he cant ask me security questions to unfreeze my credit file. Unacceptable I complained earlier in the month about their service they took it to heart apparently since I could not get a customer service representative back on the phone because they never answered my call they blocked me out I went online to my Experian account they locked me out of that and told me to call their number which they never answered and hour later hour and a half later never came on the phone Im trying to get insurance coverage on my home in my car and I cant get Experian to unlock unfreeze my account this is unacceptable it is been painfully mentally and physically a bad day for a company to do that to a customer something must be done to stop this unacceptable business practices!
Consumer complaint received 2022-01-17
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: EQUIFAX, INC. (IL)

These are inquiries that I have attempted to get information on that were not authorized. XX/XX/XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXXi XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX ( twice ) XX/XX/XXXX XXXX
Consumer complaint received 2021-09-24
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CA)

I attended a private vocational school called XXXX College in XXXX and XXXX and was encouraged to have my parents cosign on private loans to pay for living expenses. I was never told that if something happened and I had to drop out of school, I would have no recourse for discharging the loans. In XXXX I had a XXXX XXXX XXXX crisis and had to leave XXXX College. Ever since, they have still held myself and my parents responsible for loans on a program that I was never able to complete due to XXXX. My parents have been paying the loan ever since as I was unable to pay myself and they did not want their credit affected negatively by the loan. I recently called Navient to try and work out a lower payment so I could take this on myself or remove my parents as cosigners and was told that I had no options. I am actually a Public Servant now and Navient told me I could not use the Public Service Loan Forgiveness program for these loans either. To date, they have offered me no flexibility in repaying the loans for a program that I was not able to complete. Please respond and let me know if there are any options I can pursue. I am considering bankruptcy and since I do not want my bankruptcy to affect my parents, I can not include these loans in the bankruptcy.
Consumer complaint received 2024-03-28
Product: 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: Incomm Holdings Inc. (PA)

I opened a dispute for an unauthorized charge around XX/XX/year>. I was then asked in XX/XX/year> to send documents confirming I purchase it and my identity. Things still show processing after another phone call today about it. They keep says 45-90 but we are way over that now.
Consumer complaint received 2022-10-07
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. (KY)

In accordance with the fair credit reporting act these creditors XXXX XXXX XXXX, XXXX XXXX XXXX, has violated my rights under 15usc1681 section 602 states i have a right to privacy 15usc 1681 section 604 ( A ) section ( 2 ) it also states that a consumer reporting agency can not furnish an account without my written instruction under 15usc 1666 ( b ) a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2019-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I called TransUnion because I was unable to submit a dispute online. The representative I spoke with filed the dispute for me, but was unable to tell me why I could not access their online dispute website. 

She gave me the number to call the online team. I called and spoke with XXXX. I explained to her that although I was able to file my dispute via phone, I wanted to fix whatever the issue was with my identity not being confirmed. First, she said it was the browser I was using, and then she said it was because I already had a dispute filed. 

The message below is what I was given online : " We are unable to confirm your identity What happened : The Identity Security System confirms your identity through a series of questions based on accounts and personal information contained in your Personal Credit Report. The system was unable to get enough information from the Personal Credit Report to complete this process. 

What to do : Please contact us at ( XXXX ) XXXX-XXXX to initiate a dispute via telephone, during our normal business hours ( XXXX to XXXX XXXX Mon-Fri ). You can also mail your dispute. 

If I can not get it resolved with a customer service representative, that leaves me no other options. '' I just need assistance, and I wasn't given any other options.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to inform you of my dispute regarding the account listed on my credit report maintained by XXXX. I assert that XXXX is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX. 
I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you one opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the mental distress, XXXX  emotional distress, and financial hardship that your actions have caused me.

Deletion of the trade-in entry from all credit reporting agencies where it is currently listed.

I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars.

Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request.

I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice.

Please send all correspondence related to this matter to the address listed above.
Consumer complaint received 2023-09-21
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Block, Inc. (MI)

A new cash card was ordered from Cash App that was received on XX/XX/XXXX. The name on the card was not my name. It was changed and this action was not changed or requested to be changed by me. When Cash App Customer Support was contacted on XX/XX/XXXX, the Cash App worker, named XXXX stated the following, " When you order a Cash Card, the name printed on it is the legal verified name associated with it. We do not issue new Cash Cards to update printed names unless there was a printing error or f you've has a legal name change. '' I informed XXXX that the name on the new card was never used and is an illegal name that was not used on this account or changed by me. XXXX then stated, " I can see that you used an ID with that name on it to verify this account when you created it If you want to get a card with your correct name, you will need to send your own documents for verification. '' When I asked XXXX for a copy of the ID she claimed she had on file and that was used, I was denied the information. 

NOTE : When the Cash App account was created in XXXX, I was never asked to submit an identification card for verification. Nor was any identification card ever submitted or asked to be submitted by me during the duration of this account. Only information required by Cash App to create the account in XXXX was my name, address and a phone number. I had three previous XXXX XXXX XXXX with the correct name ending in XXXX that I had in XX/XX/XXXX and prior ; then card ending in XXXX from around XXXX to XXXX XXXX ; then XXXX XXXX ending in XXXX from XXXX XXXXXXXX to XX/XX/XXXX, I submitted a completed Cash App direct deposit form to an employer on XX/XX/XXXX that is electronically pre-filled by Cash App, all with the correct name. The account name was fraudulently changed by Cash App without my knowledge or consent. 

Attached FTC Fraud Report. 
Attached copy of Cash App XXXX XXXX form dated : XX/XX/XXXX.
Consumer complaint received 2022-10-07
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. (TX)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 Section 6 o 2 states I have the right to privacy 15 USC 1681 section 6 o 4 a section 2 it also states a consumer reporting agency can not furnish an account account without without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2018-04-03
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. (FL)

XXXX, TransUnion and XXXX  credit reporting agencies are showing a balance of {$5000.00} with my prosper account. This prosper account has been paid off and the balance should be {$0.00}. I contacted both credit bureaus several times and they have not corrected this problem. Both credit bureaus are in violation of the federal fair accuracy act. I would like my prosper account balance to be corrected immediately.
Consumer complaint received 2022-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NV)

I was a victim of Equifax data breach. In XXXX of 2017, Equifax announced a data breach that exposed the personal information of XXXX XXXX people. 
My credit cards now show as being late and having a very high balance. 
I have never missed any payments and have a XXXX balance on my credit cards every month. I have never carried a balance.
Consumer complaint received 2021-09-24
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: Phoenix Financial Services LLC (PA)

I filed two ( 2 ) disputes in regards to the erroneous collection account on my credit report. I disputed the validity of the debt however Phoenix Financial Services has continued to violate the FCRA by reporting the negative account to the credit bureaus and refusing to supply me with documentation validating the debt. The collection agency and credit bureaus have both failed to provide any documentation that supports that the collection account belongs to me. I have made several attempts to get this erroneous account removed, however the credit bureau continues to " validate '' the collection account without doing their due diligence and without providing any documents, contracts etc that connect me to this debt.