davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (NY)

Over the past several months, there have been MANY fraudulent transactions from my bank account ( XXXX XXXX XXXX ) being sent through Cash App to accounts I do not know. 
Several years ago, I had a Cash App account because I got paid from a side job off the books using Cash App. After that job, I closed my Cash App account and have not used it since. When these transactions began happening, I signed on to my old account again to see if these transactions were happening through there- but they were NOT. 
I have spoken on the phone with both XXXX and Cash App and they both tell me to reach out to the other company. I spoke on the phone to XXXX person at Cash App who seemed to be helpful- he was able to see that there are two Cash App accounts with my name on it- probably the one I used several years ago and another one created by someone else. However, our conversation got cut off and I was never able to get in contact with him again. NO ONE has been helpful in getting my money back. 
I do not have access to my XXXX account currently, ( Due to the amount of fraudulent activity and the amount of times that I needed to dispute charges, they made the decision to close my account. ) so I am unable to show the charges. I am missing around {$30000.00} since the beginning of XXXX and I believe there were more charges through Cash App from before that.
Consumer complaint received 2022-03-04
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. (GA)

My social security number which was recently issued to me migrating to this country in XX/XX/XXXX. When i was nally able to check credit reports and scores there were address listed that i never lived at and phone numbers that i never had and accounts that were open years before i migrated  to the US. XXXX XXXX XXXX account ending in XXXX according to XXXX credit report is not mine. This account needs to be removed because this is impacting me every day of my life. Again this account is not mine never was and never will be because i migrated to the US in XX/XX/XXXX and this account was open XX/XX/XXXX. There's also a slew of inquiries from several creditors that i have never submitted applications with. The inquiries re from XXXX. XXXX, Equifax & XXXX have repeatedly allowed inquiries to appear on my credit report without proper verification especially since Identity theft has been noted on my account since XXXX.
Consumer complaint received 2022-08-16
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. (IL)

In accordance with the fair credit reporting act, everything has to be 100 % accurate on my Credit report. The credit bureaus stated my account was property investigation but now is That possible if the open date is inaccurate, the active inaccurate, and date last reported is not accurate.This is grounds for removal they also violated my rights under 15 U.S.C 1681 section 602 A, states l 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 a account without my written instruction. 
My complaint ID # XXXX
Consumer complaint received 2022-08-28
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. (SC)

On XXXX I submitted a letter to XXXX XXXX XXXX XXXX. Trans Union Consumer Solutions LLC XXXX XXXX with regards to inaccurate/duplicate information reporting on my credit report. I have yet to receive investigation results, as it is now past the 30 days. I requested all information reported to ensure its accuracy.
Consumer complaint received 2022-08-16
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC (GA)

Around XXXX time frame my truck was illegally repossessed and sold. I had just made a payment the week prior to making arrangements to go and get the vehicle out of the tow yard. My truck was repossessed I was never notified and it was sold.
Consumer complaint received 2019-01-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MI)

I sent a request for debt VALIDATION not verification to LVNV Funding LLC regarding a debt they claim I owe them. In return they gave forwarded my request to a third party company Resurgent Capital Services who sent absolutely no validation not verification of any debt. I specifically asked for a signed document or supporting evidence that shows I am indeed the party they are seeking to pay this debt. Resurgent Capital Services only sent me a statement saying they manage the referenced account I inquired about and an amount owed. They are reporting delinquent information to the three major credit bureaus ( XXXX, XXXX, XXXX ) that I would like removed.
Consumer complaint received 2022-08-16
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: Experian Information Solutions Inc. (AL)

in accordance with the fair credit reporting act XXXX  account # XXXX XXXX US Dept of Ed account XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 1681 section 602 A 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.
Consumer complaint received 2021-04-13
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (PA)

US Bank XXXX XXXX After having this card for unemployment for months and not having issues all of the sudden the locked my account and said they need to verify its me with a selfie. They locked all of my funds that Im using to support my family right now due to being unemployed from the Pandemic.
Consumer complaint received 2020-02-05
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 me as an Authorized User on the XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX. I have contacted the bureaus to remove this item however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report.
Consumer complaint received 2022-08-16
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. (IL)

Im sending this complain to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any items listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous items which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXXXXXX XXXX  XXXX IL XXXX XXXX XXXX XXXX XXXX XXXXXXXX IL XXXX XXXX XXXX XXXX Balance : {$210.00} XXXX XXXX XXXX Balance : {$3900.00} XXXX  XXXX Balance : {$470.00} XXXX XXXX  XXXX Balance XXXX {$880.00} XXXX XXXX  XXXX Balance XXXX {$730.00} XXXX XXXX  XXXX Balance XXXX {$1100.00} XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX {$7600.00}
Consumer complaint received 2022-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

Im sending this complain to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any items listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous items which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXXXXXX IL XXXX XXXX XXXX XXXX XXXX  XXXX IL XXXX XXXX XXXX XXXX Balance : {$210.00} XXXX  XXXX XXXX Balance : {$3900.00} XXXX  XXXX Balance : {$470.00} XXXX XXXX  XXXX Balance XXXX {$880.00} XXXX XXXX  XXXX Balance XXXX {$730.00} XXXX XXXX  XXXX Balance XXXX {$1100.00} XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$7600.00}
Consumer complaint received 2023-11-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc. (NC)

In XXXX of XXXX I started a XXXX XXXX. For my first event on XX/XX/XXXX I used the brand new square card reader to accept payments at a fall festival that I was XXXX XXXX  at. The machine worked fine and I had around {$200.00} worth of sales on the machine. A few days later on XX/XX/XXXX I tried using the machine to accept payment at another event I was booked for. The machine would not work and when I looked into the app it just kept telling me to register the machine. So I initially thought it was a hardware issue. On XX/XX/XXXX I called square customer support for the first time to try and resolve the problem. This is when I found out the account was deactivated by square due to alleged possible fraud transactions and I went against their terms and conditions. I asked which terms and conditions and was told they dont have any other info. On XX/XX/XXXX I received an email forwarded to me by one of the customer service reps. It stated that my funds were on hold and would be released no later than 2 business day after XX/XX/XXXX. That day came and the funds were not released. I contacted square again on XX/XX/XXXX this time I was told that the account was now back under review by the high risk team and that they could only be contacted via email. The customer reps on the could not provide any other information. I emailed the review team and was sent an email stating the following ; Please note that your referenced account is currently under review by our Account Services Team for high risk activity. Until your account has been cleared, funds will be held. Unfortunately, we do not have a specific release date that we can provided at this time.

After that I never heard back from square. I called back again sometime around XXXX or XXXX of XXXX and got the same story. I just called and emailed again on today XX/XX/XXXX and again no explanation on why the funds are not being released and I cant contact a human who can help me.
Consumer complaint received 2023-04-01
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. (PA)

THIS IS NOT A DUPLICATE COMPLANT. I'm not using any third party for this matter and represent myself by myself. 
I'm sending this complaint because I have pulled up my credit report just recently and I noticed some hard inquiries from companies that I did not give consent to access my credit reports ; I am very concerned about all activity going on with my credit reports these days. I immediately demand the removal of these inquiries to avoid any confusion as I DID NOT initiate these inquires or give any form of consent electronically, in person, or over the phone. I am fully aware that without permissible purpose no entity is allowed to pull my credit unless otherwise noted in section 604 of the FTCRA. The hard inquiries that are being disputed, do not belong to me. 
My position is being clearly stated, these hard inquiries do not belong to me, meaning that you are reporting inaccurate information within my credit file. YOU are reporting the INQUIRIES that are the result of the fraudulent activities. Therefore, these inquiry must be deleted from within my credit file. Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that this Inquiry is being disputed is because it waw not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that this inquiry was made by me, they must be removed from my credit file. 
I have filed FTC report for this matter. 
Here are the list of these fraud items : XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX, XXXX XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX ) XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX ) XXXX XXXX XXXX : XXXX. XXXX, XXXX Please remove these items from my report as soon as possible, I have included the copy of my SSN, driver license, proof of address and copy of FTC report.
Consumer complaint received 2022-08-16
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. (IL)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an ITEMS passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. Here are the list of items to be dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2019-01-23
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: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

In XX/XX/XXXX I found a website called XXXX charged me {$150.00} on XX/XX/XXXX and another {$150.00} on XX/XX/XXXX, but I have never purchased any product or service on that website. So I called BOA to dispute both two transactions. BOA issued me {$310.00} credit in total and told me they will investigate on that. However, on XX/XX/XXXX, they rejected my fraud claim and took back the {$310.00}. I called their fraud department and asked them to show me the evidence that I've received anything from that website. They couldn't so they reopened my claim and started reinvestigation. But, On XX/XX/XXXX, I received a letter said their decision hasn't changed and there is nothing they can do.
Consumer complaint received 2022-08-16
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. (WI)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 

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  ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-08-28
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: Experian Information Solutions Inc. (NY)

Hello my name is XXXX XXXX and this is my 3rd attempt trying to obtain my consumer file & report from XXXX and experian. I have uploaded a screen shot of this last attempt as well as proof of my identity. I am using the cfpb in hopes of obtaining my consumer file & report from XXXX and experian.
Consumer complaint received 2023-01-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: World Acceptance Corporation (SC)

Debt collection on my credit Report from a world finance. I never had a loan before with this company. I dont know where world finance located. Please help me with this issue. First time seeing this on credit Report. Sincerely yours XXXX XXXX
Consumer complaint received 2022-08-16
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. (CA)

I am a natural person, I am a living human being and I have rights under 15 USC 1681.

EQUIFAX is governed by 15 USC 1681, and they have violated my rights numerous times. I demand the accounts listed be removed from report because according to 15 USC 1681 I have the right to privacy and I did not give EQUIFAX written permission to furnish account listed below XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-28
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. (TX)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX  has violated my rights. 

15 usc 1681 section 602states I have a right to privacy.

15 usc1681 section 604 a section 2 : it also states a consumer reporting agency a account without my written instructions.

15 usc 1666b : a creditor may not treat a payment on a credit card under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2019-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: SYNCHRONY FINANCIAL (NY)

I have received a report of my credit and two letters closing two credit cards because it has a remark that says serious delinquency and that has lowered my credit greatly, I contacted the companies that have put this comment XXXX XXXX, XXXX XXXX and XXXX, this last one mentioned I still have my active card and they told me that it is not that I am a delinquent but because I have been late in the payment in 2015 they put that remark in the system, and it should be clear that I have no outstanding balance with any of the three companies mentioned ; I think it is very unfair that I be classified as a delinquent for having delayed a payment in the pass. 

The fact that I was late in my payment for some economic problem that I had at that time, does not make me a criminal and now they have that public information that is currently affecting my credit in a catastrophic way.

Please, I need your help, I'm not a criminal ; When I communicated with them, they advised me to get in contact with you. That is why I am asking for your help.
Consumer complaint received 2023-04-01
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. (NC)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-02-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CA)

XXXX : Applied for XXXX ; Mohela ( via telephone communication ) informed me that loan was transferred to them and XXXX may take a while to process. 

XXXX : Called Mohela for status update. Mohela informed me that they never received an application. Reapplied for XXXX  through studentaid.gov ; XXXX  received by Mohela on XXXX. 

XXXX : Called Mohela for status update. Representative and supervisor informed me that they were not sure why the application has not been processed. They suggested that the application be cancelled through them via phone and they would initiate another XXXX application through the phone. So, a third XXXX  application was initiated with an expected completion date after XXXX business days. 

XXXX : Called Mohela for status update. XXXX was not sure why the application was not processed. Informed me that the application should be processed in another 5-10 business days. 

I am not sure if a another new application was initiated since a new XXXX document appeared with a received date of XXXX as evidenced by the image attached.