davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-21
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc. (WA)

Square deactivated my account providing no reasoning and is now holding tens of thousands of dollars from my small business for several months.

I opened an account with Square on XX/XX/22. I spent several hours setting up the account, verified my bank account, and began using it to process invoice payments for my customers. 

On XX/XX/22 I received a notice from Square stating my Deposits were Suspended and while they would still allow customers to pay the outstanding and new invoices they wouldnt be depositing the funds to my bank account. The email instructed me to go into my Square Dashboard and complete an account confirmation form but there was no form available on my dashboard. A few days later I received another notification email but still there was no form available to complete. 

On XX/XX/22, I reached out to the Square support team to ask how I could complete the form per the emailed instructions that were inaccurate. The representative asked me to send the form responses directly to her via email. I sent her the responses to the questions. I didnt hear anything back for a week ( XX/XX/22 ) so I emailed the representative who responded 4 days later ( XX/XX/22 ) and asked me to complete the form a second time, so I did. 

All this time I was invoicing customers and receiving payments to my Square account but they werent being deposited to my bank account. I thought it would be okay, because surely there was some misunderstanding that would be cleared up with the responses I provided in their form. 

On XX/XX/22, I received a template email stating that my account had been deactivated but was provided no explanation for why the decision was made. Whats worse, the email said that the funds in my account would not be released to me for 90 days. To this point I had received tens of thousands of dollars in my Square account from my customers and now Square will be holding those funds for 3 months from my small business that is dependent on cash flows.

I followed up with Square support multiple times but no one has been able to provide any explanation for why the account was deactivated. They simply provide a generic response : After a comprehensive review of your account, we have determined that we are still unable to process payments for your business. Our decision to deactivate your account is final. 

If they had an issue with the responses I submitted to the form, why didnt ask the form questions that led to my account being deactivated when I was signed up for my account in the first place? That would have saved me from ever having to go through this. Im also baffled at how they can hold money from a small business without providing any explanation as to why.
Consumer complaint received 2023-07-04
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: EQUIFAX, INC. (IN)

I submitted a dispute less than a week ago regarding the one and only negative thing on my credit report. For my company called XXXX. These people have fraudulently put this on my credit report because this was supposed to be paid due to insurance. Not to mention the fact I have repeatedly told XXXX that they are not to contact me they are not allowed to submit this on my credit report and I will only deal with the original creditor. Federal law says I have that right. On XX/XX/XXXX of all days Equifax said they had concluded the dispute and verify the information yet they refused to show me how they verified the information. What did they do get a letter from XXXX stating it is correct? That is not sufficient. They can not simply take the word of a creditor wanting to get their money home by the way has never sued me in court. The original creditor, XXXX XXXX, was supposed to file this with insurance and apparently never did. I never received proper notification from XXXX and the next thing I know this is placed on my credit report. Equifax has been negligent in their investigation due to the fact that they did not and could not have gotten proper verification of this from XXXX XXXX in a matter of a few days. They are merely taking the word of a well-known debt collection agency whom I might add continues to break laws every single day.
Consumer complaint received 2017-09-08
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. (MD)

My personal information was compromised during the Equifax hack. I checked whether I was impacted on XXXX XXXX XXXX. This is unacceptable for a company that has all my information.
Consumer complaint received 2017-09-08
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)

Equifax has mishandled the sensitive information of 143 million Americans. Then, they failed to inform the public until a month after it had happened. They have only offered us 1 year of free credit monitoring, which also waives our right to take legal action against them. 

Companies that handle sensitive information like this should be held to a higher standard and disciplined accordingly when things like this occur.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

Equifax website says that my information may have been part of their breach. They are still charging me to freeze and unfreeze my credit reporting. This is outrageous! They should freeze my credit and not require I pay them to do it, they were at fault.
Consumer complaint received 2017-09-08
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. (WA)

EquiFax has mishandled my personal information which included my name, Social Security #, address, birthday, and more, which puts me ( and the millions of others this breach affected ) at risk. I am listed as a probable victim on the XXXX site. On that site, they are trying to get people who are affected to sign up for a trial membership of an ID protection service that WAIVES THEIR RIGHTS TO SUE.
Consumer complaint received 2017-09-08
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: DISCOVER BANK (TX)

I have had excellent credit for several years, my credit score is above 750. I became unemployed due to things I could not control. I have not worked since XXXX XXXX XXXX. I got behind on two discover loans and have talked to them several times about working with me to resolve this problem. I want to pay them as much as they want the money. I became XXXX due to medical problems I cant help, and was recently approved for XXXX but will not receive any income for a month or so. I am supposed to get it after XXXX. I have talked to them about the posibility of lowering my interest rate of 12.99 percent and lowering the payments as the two payments I owe them are almost 900 monthly. I tried to work with a debt consolidation program before I lost my job and they said that Discover has their own debt relief program. This is a farce, since I have tried repeatedly to work with them to lower interest and payments until I get on my feet. I did get two months of unemployment and paid some lump sums on these two bills even though these XXXX would not work with me. I told them I have been struggling to buy food and pay utilities until I get my income on a regular basis but they do not care. I wish I would have not paid the money I did on these bills because I could have used it to pay my personal living expenses. It did nothing to lower my bill or interest rate. Discover XXXX really. They should have tried to help me, especially with my credit rating and constant not missing of payments before this unemployment spell. I do n't know if you can help me or not. 

thanks, XXXX XXXX XXXX XXXX, Texas
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (DE)

I opened an account with XXXX on XXXX and the account was charged off several years ago, the account has since shown up on my credit and the debt company is trying to recollect funds and showing this a charge off in XXXX. I have not had any contact, signed or borrowed anything from XXXX since at least XXXX at best guess making this account at least 17 years past charge off! This needs to be removed from my account.
Consumer complaint received 2017-09-08
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: Exeter Finance, LLC. (PA)

I first contacted XXXX about the unauthorized inquiry. They informed me that I need to get a police report if I did not authorize the inquiry and to contact the actual company who placed the inquiry. I went to the police department and I have attached the document that I was given. I faxed over the information they requested just to be told that it was not good enough they needed an actual report. So unknowingly I called the police again and tried my best to get an " actual police report '' that they requested. Only to be told numerous times that they do not give actual police reports for this type of matter, only for car accidents. I added the card of the police officer whom made the report only to be told that they ca n't contact the police.Next I contacted Exeter Finance Corp the company who actually placed the inquiry on my credit only to be told that it was nothing that they could do because they received the authorization through XXXX XXXX XXXX even after I expressed to them that it was not me. I next tried calling XXXX XXXX XXXX multiple times leaving many messages unable to get anyone to assist me.
Consumer complaint received 2017-09-08
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. (KS)

My personal data, including name, date of birth, full social security number, driver 's license number and address were not held securely by Equifax, and now is in the hands of foreign governments or criminal hackers.
Consumer complaint received 2015-05-23
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have got a complaint from XXXX of our employees that bank of America has refused to cash XXXX of our payroll checks to him because he does n't have a personal account with them. I wanted to make sure that 's its true. I went myself to cash my personal check at their XXXX XXXX XXXX XXXX XXXX location on XXXX ( I do not personally bank with them but my company does ) I provided XXXX valid IDs and the account of course if full of cash, they gave me some bogus reason that they do n't have the signature in their computer system to compare with the check I am cashing, I asked if they can call to verify if the check is true or speak to a manager. their answer was Nothe Manager refused to speak with me and basically they refused to cash my own company 's money to myself. 
Now I have the power to change banks and I will, because I want my employees treated well, and not be refused to talk to ... 
but not many other people have that luxury! 
Refusing to give people their own money is wrong. they are n't protecting me, they are wasting my time, my employees ' and someone that worked XXXX hours the past XXXX weeks is n't eating this weekend ...
Consumer complaint received 2015-06-04
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (MN)

My complaint is about my daughter 's college loan debt through Navient. I am the co-signer. I receive mail, email, and phone calls from them. 
Navient calls me at least XXXX a day seven days a week. If I answer, they ask for my personal information- my birthdate. I have told them at least XXXX times that I will not give this information over the phone to someone that calls me. I have asked them to stop contacting me by phone. My daughter is behind on her payments. Her husband has had some periods of unemployment so she is doing the best she can. I have responded to them by email and told them that my daughter is responsible for the loan and that she intends to pay it off. I have never heard of a co-signer being harassed this way. The loan has not gone into default.
Consumer complaint received 2017-09-08
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. (MO)

My information was part of the cyber security issue with Equifax. The companies failure to protect my information is unacceptable and the 1 year of " free '' credit monitoring they are offering as compensation is a slap in the face to everyone affected. This is an issue that will not just go away after a year but rather something that may be a threat that has to be dealt with for the rest of my life.
Consumer complaint received 2017-09-08
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. (TX)

I have been identified as a potential victim of the Equifax security breach. My personal information such as social security number, addresses, drivers license information, and more personal identifying information has possibly been breached. 

I was notified of this possible breach through news media on XX/XX/XXXX, and never through Equifax. I opted to look up my information on their website ( https : //www.equifaxsecurity2017.com/ )  designed for inquries. They indicated I may have had any information they had on file for me compromised. They did not say which pieces of information, but that I may come back to the site on XX/XX/XXXX to take further action, which includes credit monitoring by their company- which has been proven to be ineffective from a security standpoint.
Consumer complaint received 2017-09-08
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)

Equifax released my private information publicly by not adopting decent security measures in its systems. A failure on a unrelated system caused attackers to be able to access my full name, date of birth, social security number, and address. Not only mine but also from other 143,000,000.00 people. 

As if being completely irresponsible with their systems security was n't enough they have n't notified me directly, I had to learn about the data breach by reading the news. They definitely know that I 'm affected since www.equifaxsecurity2017.com shows that I was affected. 

Now my financial life is at risk for the foreseeable future. These companies should n't have access to that much personal information of any American, they are utterly irresponsible.
Consumer complaint received 2017-09-08
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. (OR)

Equifax had negligent security protocols on sensitive information related to me. According to their website, my information was likely affected by the breach. I took action to freeze my credit on each of the credit reporting sites on XXXX XXXX, 2017. This mishandling of information may very likely lead to identity theft of myself and millions of other Americans.
Consumer complaint received 2017-09-08
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)

Equifax willfully mishandled my personal credit information by employing extremely substandard secruity measures leading to a massive breach of personal data in XXXX XXXX. This was done knowingly, as multiple Chief Executives of the company engaged in share dumping activity immediately prior to the leak becoming public.
Consumer complaint received 2017-09-08
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)

Equifax got hacked and now sites such as XXXX XXXX XXXXXXXX are telling me my identity and credit information could have been compromised as part of the hack/breach. This creates unnecessary anxiety, worry for me.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (DE)

Equifax big security breach on XXXX/XXXX/XXXX. I was informed that I was affected by it. I checked XXXX/XXXX/XXXX on equifaxsecurity2017.com and it said my information was compromised. I will be freezing my files with all 3 credit bureaus shortly.
Consumer complaint received 2022-02-21
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: Upgrade, Inc. (NJ)

My account is automatically paid on the due dates. 3 times now after they take my payment, they say I still owe. I then pay that sometimes I pay it more then once. It's a higher interest rate for left over balance. They don't know why their system keeps doing it. Now my accounts have been denied, when I tried to use them embarrassing, and it's still delinquent. Upgrade.inc have been doing this for months now. No fix, no answer and this this it's 21 days later.no matter how many times I pay money o don't owe, it's still delinquent.
Consumer complaint received 2019-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX reported a late payment on my credit, this is unacceptable. I didnt even receive any bill nor they didnt even try to call me regarding this matter.
Consumer complaint received 2019-04-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American First Finance, Inc. (CA)

Original Creditor : XXXX XXXX XXXX {$1400.00} - Amount Stated That I Owe **** Requesting **** VOD **** Validation Of Debt **** Date Disputed : XX/XX/2018 Resolution : Account Status Was Updated Requesting VOD - Validation Of Debt This Was NOT Validated
Consumer complaint received 2019-04-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Linebarger Goggan Blair & Sampson LLP (CA)

2 years ago I was mistakenly given a violation by the county toll  roads. I had, and still do have, an account and FastTrack tag with the toll roads, however on the date in question the tag did not register when going through the toll. When I received the violation, I immediately contacted the toll roads via telephone. I gave the representative my account information and assumed the problem was solved. However, for the last two years I have been receiving collections letters from multiple collection agencies regarding this violation. And every time I provide proof of my account and that the violation was a mistake etc etc, but still the collection attempts continue. The latest agency to buy this account is Linebarger, Goggan Blair & Sampson, LLP, who continually ignore my attempts at resolving this matter. I have disputed the violation and provided proof to the company in the manner they request, and they ignore it. And I have sent the company three cease and desist letters, all of which have been ignored. As a result, Linebarger, Goggan Blair & Sampson, LLP have clearly violated the Fair Debt Collections Practices Act ( FDCPA )
Consumer complaint received 2019-04-27
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. (MO)

In past times my identity has been compromised and that lead to unauthorized accounts on my credit report. Also I'm a XXXX  ( XXXX ) and sometimes that crosses accounts that usually not mines. The two ( 2 ) accounts inwhich I'm disputing are, ( 1 )  XXXX XXXX {$3200.00}, and ( 2 ) XXXX XXXX {$1700.00}. These accounts are not mines and I'm demanding that the three ( 3 ) major reporting agencies block them immediately, or provide me with certified physical documentation that validates their reporting. Please block accounts from my data file.
Consumer complaint received 2019-04-27
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: EQUIFAX, INC. (GA)

My loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 

XXXX XXXX ; XXXX XXXX XXXX ;
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (GA)

NavyFederal is reporting late payments on my account, and they did not ask my permission to do that, according to article 15 USC 1681b ( 2 ) it is considered ID theft per the law. 
I have contacted NavyFederal on several accounts about this, and they say that nothing can be done to help with this matter because it is an automated system.