davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-07
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. (FL)

In Accordance with Fair Credit Reporting Act XXXXXXXX XXXX XXXX Has Violated my rights 15 U.S.C 1681 section 602 A. States I have the rights 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 2020-06-26
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (IL)

My complaint is with Cash App, they are holding my funds for my protection after I have identified all the specifics of my identity. 
I transferred from my bank to Cash App, the moment I tried sending money to a relative it froze my account. 
I transferred from bank to Cash App {$7400.00} on XX/XX/2020 at times XXXX, XXXX, XXXX they were rejected I tried transferring XXXX at one time it canceled the next two times I tried XXXX it also rejected. 
Just me $ XXXX and the other party named XXXX were involved. 
The company the complaint is about is Cash App.
Consumer complaint received 2022-02-22
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. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-11-08
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: SYNCHRONY FINANCIAL (PA)

Someone went into my Paypal account and asked for XXXX cash I had a credit limit unused of over {$15000.00} instead of taking the fraud from the crdit card Paypal took it from my personal checking account we caught is called Paypal and place a dispute blocked the person requesting the money and called XXXX XXXX XXXX and stopped payment on it so the fraud wouldn't go through Paypal is still trying to pay the fraud and now have a XXXX again the paypal account asking me to give them XXXX to clear it but we filed fruad with them and I am having trouble fixing this. I have asked them for over 2 years to fix the wallet making the paypal credit card primary and ot use my checking accoung they said many times they would fix it but never did and now this huge problem for a XXXX amputee man I am so frustrated over this XXXX is a lot of money and I have been trying t o resolve this for a few days now and it is getting worse not better. I need this fixed and cleared up before more troublem please.
Consumer complaint received 2020-06-23
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: Block, Inc. (OH)

I booked a trip to XXXX through XXXX, using my Cashapp card to make the monthly payments of XXXX for 6 months. The company XXXX shut down XX/XX/XXXX using the pandemic and did not refund payments to me. I filed a complaint with Cashapp and was told that they couldn't do anything because the transactions were over 60 days. 
I used the pay delay plan which I was to pay ( which I did XXXX XXXX in XX/XX/XXXX, XXXX in XX/XX/XXXX, XXXX in XX/XX/XXXX, XXXX in XXXX and XXXX in XX/XX/XXXX. They did refund the 1 payment for XXXX but are refusing to go after the other months. I have constantly explained to them that there is no way for me to contact XXXX and they are still refusing to help. 
I have lodged complaints about XXXX to every site I could think of trying to secure my money back and no one seems to be able to do anything. PLEASE HELP. Thank you.
Consumer complaint received 2022-09-21
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. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXXXXXX XXXX, Account # XXXX XXXXXXXX XXXX ( XXXX XXXXXXXX XXXX XXXXXXXX ), Account # XXXX XXXX XXXX ( XXXX ), Account # XXXX XXXX XXXX ( XXXX XXXX XXXX ), Account # XXXX XXXXXXXX XXXX, Account # XXXXXXXX XXXX XXXX has all violated my rights. 

15 U.S.C 1681 section 602 A. States I 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 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2022-09-21
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. (MD)

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

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section A 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 2020-06-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Block, Inc. (TX)

Date of problem : XX/XX/2019 Total amount in dispute : {$3500.00} Company in dispute : Square ( Cash App ) Problem : I had my income tax deposited to my cash app and after a few totally legal transactions, my cash app wouldn't allow me to withdraw, add, and receive money. A year later, and my money is still stuck on my cash app. I'm a single mother with XXXX kids, I tried everything. I tried contacting them, to no avail.
Consumer complaint received 2020-06-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Block, Inc. (OH)

On XX/XX/2020, I accepted {$4000.00} in prepaid gift cards as payment through my Square account. I ran 8 {$500.00} cards over a span of 13 minutes. At no point during this time was there any indication from Square that there would be a problem accepting the gift cards. In fact, 2 days earlier, I had accepted a {$500.00} gift card, and it processed with no issue. In fact, their website clearly states that gift cards are an acceptable form of payment, the following is taken directly from their website : " Accept Prepaid Cards Square can process prepaid cards bearing any of the logos above at our low 2.65 % per-swipe rate or 3.4 % + 15 manual-entry rate. Any remaining balance will display on the receipt. '' Later that day, I received a notice that my account was permanently deactivated, and my funds would be held for 150 to 180 days. I was provided a link to the " Square Seller Agreement '' to read up on what had triggered the freeze on my funds, however, there is absolutely nothing in that agreement indicating I could not take payment via prepaid gift cards. 

I attempted to contact their customer support, but since my account was deactivated, their online support form would not let me send any correspondence. 

I responded 5 times to their initial email notifying me of a freeze on my funds. 27 days later I finally received a response, simply reiterating that they were holding my funds.
Consumer complaint received 2022-09-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

I had deposited a check for {$1400.00} from my XXXX trust company in XXXX via Chase mobile deposit. The maker of check confirmed payment of the check that was paid on XX/XX/2022 off of a JP Morgan Account ( also Chase bank ). I have been making calls for several months ( XXXX XXXX XXXX ) between Chase XXXX dept. , the trust company that issued the check, my XXXX, our XXXX reps/account managers, went to my local Chase Bank with no luck on getting this resolved or my money. I have provided Chase with several telephone numbers to " verify my check '' although they confirmed the fund availability was not the issue. They just wanted a # of the maker that was on their file so they can confirm that the maker can say that they issued the check to me. 
How is it possible that Chase can't verify between two customer accounts??? I'm a Chase account holder & the issuer of the check is a JP Morgan account holder.
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MA)

Experian is obligated under the Fair Credit Reporting Act ( FCRA ) to ensure the accuracy of the information they include on my credit report, but currently, they are failing to do so. They have listed an erroneous address : XXXX XXXX XXXX, XXXX, MA, which should be correctly stated as XXXX XXXX XXXX, XXXX, MA XXXX. The law, specifically 15 U.S.C. 1681e ( b ), mandates that all details must be precise and consistent across different reporting agencies, which is not the case at present as they display varying addresses. This incorrect address reporting by Experian is a breach of my federal consumer rights. Moreover, Experian has not been granted any written consent from me to report these inaccurate late payments on my consumer file, which constitutes a further violation of 15 U.S.C. 1681b ( a ) ( 2 ). It is evident that Experian has infringed upon my rights protected by the FCRA, and this wrongful reporting has inflicted significant damage to my reputation, leading to discrimination and emotional distress. I demand that Experian remove the incorrect address of XXXX XXXX XXXX. XXXX, MA XXXX from my report without delay.
Consumer complaint received 2022-09-21
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: Exeter Finance, LLC. (TX)

It was reported to the credit bureaus that I was late on my auto loan for various months, however it was agreed upon with the company that these " late payments '' were protected under the Cares Act due to COVID-19 and therefore would not report. I paid my loan as agreement and they still reported the late payments. I sent a goodwill letter explaining this to them, however they wrote back stating they do not accept " goodwill '' letters but promised not to report the hardship I was undergoing by loosing my job!!
Consumer complaint received 2023-11-08
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)

XXXX XXXX is currently reporting late payments to the credit reporting agencies. 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 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account 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 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (KY)

I XXXX XXXX consumer who is a victim of identity theft. XXXX, Experian and XXXX has used and furnished my consumer report without my authorization consent or written instruction. My information was shared to nonpublic personal information without my consent and also used that information to furnish.Congress makes it clear that the consumer has a right to privacy which Experian, XXXX, and XXXX has violated my federal protected right to privacy by failing to meet the needs of congress by ensuring that they exercise their responsibility with respect to the confidentiality of my personal information. The Fair CreditReporting Act was intended to insure that consumer reporting agencies exercise their grave responsibility with fairness and respect to the consumer right to privacy! Under the Gramm Leach Bliley Act of XXXX. I enclosed all documents social, ID and statement below. 
Account Name : XXXX Account # XXXX Balance {$250.00} Date Opened : XX/XX/XXXX Account Name : XXXX Account # XXXX Balance {$250.00} Date Opened : XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-17
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc. (IL)

XX/XX/XXXX I received a refund in the amount of {$100.00} my first cash app account was hacked. I created a new one I still have the old debit card I didnt cancel the company said they they cant put my refund in the account even though it is my name and same address
Consumer complaint received 2022-09-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (NC)

I received several emails from ChimeXXXX over night stating that my money was being moved. When I checked my account, usually I can login with FaceID but this time I had to enter my credentials, all my money was gone. Someone accessed my account between XXXX, moved my money from savings to my checkings, used a Pay Friends to send money, cancelled that payment and sent the money to another account. I contacted ChimeXXXX and they assured me I would get my money back. After a three hour investigation, it was determined that no error occurred and I would not receive any money back. I contact them again, was told to send proof. What kind of prof would I have to show someone hacked my account? I forwarded the automatic email that I had receive when someone logged into my account from a new device and was told that it would be escalated ( rebuttal ). I called back again to check status and found out out that the information I sent had not been escalated. Now Im being told to wait up to 45 days while they investigate again. No provisional credit or nothing just a. {$62.00} balance and a 45 day waiting period.
Consumer complaint received 2020-08-01
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: JPMORGAN CHASE & CO. (NY)

Reached out to chase at the beginning of covid to discuss my financial hardship due to covid-19. They agreed to defer my payments, however Chase reported negatively as a late payment after going into agreement. My credit score has now dropped because of this.
Consumer complaint received 2020-06-13
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (GA)

XX/XX/XXXX cashApp locked my account. I sent email the same day. Customer service stated it would be resolved in 24 hours. I contacted them everyday since the XX/XX/2020. XX/XX/XXXX cash app support sent a email asking me to verify. I replied an hour later. Ive sent emails, and contacted support via XXXX. Still no response and my account is still locked with all my funds. I have a decent amount of funds in that account and now I cant purchase food etc for my  XXXX.
Consumer complaint received 2020-06-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (FL)

This is kind of a two part problem with BOTH XXXX and CashApp. What happened was is that I attempted to purchase football tickets through an individual online, I know huge mistake. I was scammed. They requested {$120.00} ( XXXX XXXX XXXX ) through CashApp. I sent it and the person claimed they never got it. So we attempted XXXX, in the promise that they will return the original {$120.00} IF they receive it. So I sent {$40.00} ( XXXX XXXX XXXX ) on XXXX and another {$110.00} ( XXXX XXXX XXXX   ) through another bank that I have. Same thing. They claimed they never got it. Thats when it started to click that I was being scammed. After I refused to send anymore money, they blocked me. I have no way of contacting this individual. I have attempted every possible route to recover my money. XXXX and CashApp wont help me. My banks wont help. My XXXX XXXX XXXX claims department recommended me to go through this route. Is there anything you guys can do for me?
Consumer complaint received 2023-11-08
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)

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
Consumer complaint received 2020-06-01
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. (TX)

I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/2020 and never heard anything back. So I sent a 30 day comply on XX/XX/XXXX and I've yet to get any feedback on my investigation.
Consumer complaint received 2018-09-04
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. (FL)

TODAYS DATE:XX/XX/XXXX XXXX, XXXX SOC SEC XXXX XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX Experian Dispute Department XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : N/A XXXX XXXX XXXX XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified.  Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX XXXX XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX   XXXX, the courts ruled each and every time that the CRA couldnt  merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX   system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
Consumer complaint received 2018-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (NC)

XX/XX/2018 tried to unfreeze my account and site would not recognize nor find any record of my account that I froze about a month ago and want to unfreeze for a month.
Consumer complaint received 2019-01-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Management Partners, LLC (TX)

I have a medical bill from XX/XX/2018. Nothing was owed at the time of service as instructed by my care providers. I never received a follow up bill in the mail and was not informed of an outstanding bill on my account which I would like to pay off. I received a call from RMP collections about two months ago - the agent on the phone did not state what company they were calling from, what the bill was owed for, that there was any option to dispute the bill, or even the name of the agent. They requested that I make payment via the phone immediately - I found this highly suspicious and asked that they send the bill to me via mail which they seemed very agitated about. A week later I received a barley legible copy of a financial report, here I was able to discern that it was for an unpaid medical bill. I called the clinic and attempted to pay explaining that I had never received the original bill, I believe they sold my debt instead however to RMP and I would like to dispute the bill. I'm happy to pay for the medical services but do not feel that the charges for RMP collections write off are valid.