davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-21
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. (NC)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse 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 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-04-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (CA)

On XX/XX/2021 I tried to make a purchase at a XXXX XXXX in XXXX, CA around XXXX. The amount was for {$100.00}. I knew I had enough to cover that amount but when I used the cash card associated with the wallet it was declined. I opened the app to see what was going on and I had enough money however there was a message stating they had closed my account. I also had received an email which I will attach. Supposedly some transfer of funds, of which I had not done any, any time recently, went against some policy. They refuse to explain what allegedly occurred and they will not reply to any emails and they do not answer their customer service phone. They pretty much hide behind a wall. The email states for me to withdrawl my funds to a debit card or bank account. I have tried 3 different cards and the only bank account I have that can receive that type of a deposit are all denied. On Tuesday XX/XX/2021 I decided to take another route of which has proven helpful with other incidents and companies. I used XXXX. I did receive a response. They said they were limited in what they could do, told me to add a debit card or bank account that had not been associated with a XXXX account to with drawl my remaining balance. As mentioned earlier, I attempted to add such methods of which 2 debit cards should not have been ever associated with closed account. Now no one will respond to me and I still have not received my money. It's not much, {$53.00}, but I desperately need it to pay rent, phone or food. I will possibly be out on the street because of this and am just asking for what is rightfully mine.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$22000.00} XXXX XXXX XX/XX/2024 XXXX XXXXXX/XX/2024 XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XX/XX/2024XX/XX/year>
Consumer complaint received 2021-04-16
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. (GA)

This unauthorize and fraudulent transaction happen on XX/XX/2020. 
I had a cash app account, someone or something cash out at XXXX XXXX XXXX  at XXXX XXXX  a total of {$870.00}, which was everything I had in the account. I kept contacting cash app support their not help at all. I contacted the XXXX XXXX XXXX and the best thing they told me was to contact C.F.P.B. I let them know i do not and never have an account with this bank.
Consumer complaint received 2021-04-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Block, Inc. (CA)

On XX/XX/XXXX, i was email by Square.com that read " In order to compliantly sell XXXX on Square, youll need to join our XXXX  XXXX XXXX XXXX. Please fill out this form within 7 business days. After 7 business days, we will stop deposits to your bank account until the form is complete. You will still be able to process payments ... '' Late last year 2020 I shut down my XXXX XXXX because of all the regulations they have on selling XXXX. Since i stopped selling XXXX and COMPLETLY shut down the business, and DELETED my XXXX XXXX from square i started a new business. I now have a XXXX XXXX that i started after deleting my XXXX XXXX. I Emailed Square to tell them i NO LONGER SELL XXXX   PRODUCTS SO I CAN'T AND WILL NOT APPLY FOR THE XXXX PROGRAM THEY ARE REQUESTING. I gave it 7 days to see if I would get a response and i got nothing from square. I gave them a call and explained to them that I no longer sell XXXX  products, I've deleted the store and cut all ties with XXXX  products. The current store ( XXXX XXXX XXXX ) started getting sales and square still has a hold on my funds. They told me that i would hear from someone in a couple of days and the issue should be resolved. Another 4-5 days went by and I'm still getting sales and my account is still on hold over an OLD store i had. I've called the company 8 times to resolve it and no one has helped me. I had someone email me telling me if no one reached out to me by XX/XX/XXXX to email her and let her know. I emailed her 3 times with no response. I'm a small business trying to make ends meet and square is not responding or helping me in the 2day time frame they listed or the 7-day time frame listed. It's about to be a full month of me shipping out products to customers without having the funds released. If this is not resolved and my funds are not released from square I will be forced to close down my business. I can't keep sending out products without receiving the funds for the products being sold.
Consumer complaint received 2024-08-21
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. (AZ)

This account was opened on the following dates from the consumer report There are no on time payments This is inaccurate payment history reporting. I should have active payments this inaccurate information falsely manipulates my credit worthiness and it's hurting my ability to obtain credit. Experian and XXXX failed to investigate this account properly after | repeatedly asked to have the account updated your neglect has once again violated my consumer rights. I am demanding a deletion of the following account : Accounts Name - XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-04
Product: Credit reporting 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, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse 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 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-04-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (WA)

I have a account with cash app so does my fiance on XX/XX/XXXX I sent her {$1000.00} from my cash app account she then sent me back {$250.00} the same day we send money to each other like this often but I never received the money she sent, cash app or Square says the payment was received. I ended up signing out of the cash app by mistake and cash app now tells me I will need to open a new account and then they will merge my new account with the old and I should have access to my funds which after a month of e-mails back and forth has not given me access to my funds or my original account with my money the {$250.00} in it. They are saying for security reasons they can not give me access even thought I have provided my full legal name and full social and state zip. My fiance? Who has cash app and sent me the {$250.00} lives at the same address so not sure why they can not verify its me and legit and trace down my money and give me access to it..
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX Account # : XXXX Account name : XXXX XXXX XXXX Account # : XXXX Account name : XXXXXXXX XXXX Account # : XXXX Account name : XXXX XXXX Account # : XXXX Account name : XXXX XXXX Account # : XXXX HAS VIOLATED MY RIGHTS. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-05
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. (OK)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2021-04-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc. (OH)

There were 5 transactions for XXXX dollars that were made from a XXXX  in XXXX New York XX/XX/XXXX between XXXX and XXXX that i did not authorize I contacted the company they were very rude and disrespectful hung up on me once and got rude with me several times about these charges that i did not authorize
Consumer complaint received 2021-02-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (MD)

On approximately, XX/XX/2021, I send an email over to CashApp Support, regarding a problem of unauthorized charges made to my account. I was instructed to reach out to the company to try and resolve the problem. Upon doing such I was told by the company, ( XXXX XXXX XXXX ) that I would be receiving a refund so that I did not have to bother with finding a claim anyhow since they were unable to provide service and the account was deemed cancelled. The woman stated that it would take 3-5 business days to cancel and depending on banking policy I'd receive refund. However, that never happened, so I then sent another email to CashApp Supporting trying to explain what happened and they assured Id be hearing form someone else to open the case and get things rolling. Here it is XX/XX/2021 and still nothing had been done. Although, I did advise that I would contact the OCC. However, the OCC website appears that they are not governed by them. Rather the try the FDIC I started with this per web description on the OCC. I explained that there was nothing I signed and that I did not authorize the transaction and for them to proceed accordingly getting back the funds and here we are. I have more emails I am just not able to access them right now so below you will find screenshots of the emails I was able to get off my phone. I can send more including the initial email regarding the claim.
Consumer complaint received 2021-03-25
Product: Credit card or 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: Block, Inc. (MN)

On XX/XX/2021 my cash app cash card was charged {$100.00} at a XXXX  store in XXXX, Ma. Oddly enough cash app failed to notify me of this charge and only this charge. I always receive and email within minutes of my card being used. Im not sure how XXXX  authorized this charge because my husband has the card in his possession in Montana. There is no way anyone in Ma could have my physical card yet it was used for an in store purchase. XXXX has said they can not assist me. Cash app states I need to wait to see if they can assist me and cant explain why I wasnt notified of the charge immediately as I always am for charges. None of this makes any sense.
Consumer complaint received 2023-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I am writing in response to your letter dated XX/XX/ regarding my complaint about the inaccurate and incomplete information on my credit report for the account listed below : Account Name : XXXX XXXX  Account Number : XXXX I appreciate the efforts made to reinvestigate my complaint, however, I would like to request that you provide me with proof that you actually contacted the data furnisher regarding my dispute. 

As you have mentioned in your letter, the data furnisher has responded and verified that the disputed information was accurate. However, I would like to request a copy of this verification to ensure that the information is indeed accurate and that it was not a mistake. 

I also remind you that, under the Fair Credit Reporting Act ( FCRA ), the credit reporting agency is obligated to conduct a reasonable investigation of the dispute, which includes verifying the accuracy of the information with the data furnisher. Moreover, if it is found that the information is inaccurate, the FCRA requires the credit reporting agency to promptly update the information in accordance with the results of the reinvestigation. 

Given the provisions of the FCRA, I expect that you will have no choice but to update my payment history to current and my status to paid as agreed and never late. 

Thank you for your time and consideration.
Consumer complaint received 2021-03-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (MS)

My cashapp account was overdrawn by XXXX . I emailed cashapp support and was told it was because a transaction of XXXX $ that I made on XX/XX/21 was being disputed from bank account # XXXX. First issue is that I do not have a bank account ending in # XXXX. The second issue is that when you look back at my transaction history on cashapp, there is not a single transaction posted on my account from XX/XX/21. They refuse to help me solve this issue and they keep trying to debit my bank account for XXXX .
Consumer complaint received 2021-03-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc. (OR)

This event started began when I attempted to transfer money from my cash app account to my bank account. As near as i can figure my account was hacked and this transaction was taken over by a 3rd party who interfered with it and sent me through a number of money transfers that they said was necessary to verify my identity. The amount to be transferred was XXXX, however the documents that will be attached to this complaint will show that there were many transfers that left with XXXX that was not put back into my account. 
The event began on Friday the XXXX of XXXX and went on over the weekend until the XXXX of XXXX when my suspicions were verified when I discovered CFPB website that described an incident very similar to mine with Cash app and a subsidiary of Square Inc . 
I also have text messages from the two people who were a part of this " scam " XXXX and XXXX that outline their involvement with these transactions. 
I attempted to contact Square inc from the app for support but did not hear back from them until several days later.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. 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 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX!! Informed the company I have been out of work for XXXX XXXX  They put me on a deferred program. Immediately after the program ended they continue to demand payment. Informed them numerous times I am unable to pay at this because I have to pay back rent, utilities and other expenses while I was out of work. XXXX XXXX continues to call at harass numerous times each and every day including weekends Saturday and Sunday evenings. I am requesting both of these XXXX  XXXX accounts to be closed immediately and with a XXXX balance. 
Thank you for your time and consideration
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NM)

This is my XXXX-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1800.00}
Consumer complaint received 2021-03-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (MO)

Cash app took my stimulus and put it into a Bitcoin account. Because i contacted then via cash app cash support. Someone called me i followed his instructions and i haveca video i would love to send but its not letting me because you can see this huy operate my mother 's phone by themselves and clearly see him take my XXXX $ stimulus check and put it into Bitcoin. Alse watch him remove my moms information off her cash app account then tell her not to get on it until he calls the next dayband were still dealing with this XXXX. Ive senf there support emails after email no reply i hop yall can get my stimulus check back
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations
Consumer complaint received 2024-08-21
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: Experian Information Solutions Inc. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : 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