davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Carter-Young, Inc. (GA)

I received a letter from Carter-Young, a debt collector, around XXXX claiming that I owe approximately {$650.00}. After speaking with them they claim that I co-signed a document for XXXX XXXX XXXX in Florida. I asked for a copy of the contract and they sent me an electronically signed document that I did not sign. I asked them for proof that I electronically signed this document of which they would not provide any. This is because I did not sign this lease document at all. Now they have reported this to XXXX. I went through the XXXX process denying that this is my debt and XXXX basically rubber stamped in favor of the debt collector without calling me or providing any evidence of a true investigation. I have resubmitted a claim with XXXX.
Consumer complaint received 2024-07-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (OH)

I am extremely frustrated and concerned to see that there are several fraudulent accounts appearing on my credit profile. Despite my multiple attempts and providing several documents to correct these errors, they are still reporting on my credit report. This is a serious issue that needs to be addressed immediately. I kindly request that you correct my profile and take the necessary steps to remove these fraudulent accounts from my credit report. It is imperative that this matter is resolved promptly as it is negatively impacting my credit and financial well-being. I trust that you will handle this matter with urgency and professionalism. Thank you. 
remove accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-11-26
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. (NY)

I recently gotten a copy of my credit report through XXXX XXXX and I have notice there are some collection accounts listed on my credit report that doesn't belong to me. I never applied for any of these accounts. These fraud collection accounts are hindering be from gettin approved for things. I never applied for these loans and fall back on the payment. These accounts don't belong to me and I ask they are remove from my credit report asap. 
ACCOUNT DATE OPENED BALANCE XXXX XXXX XX/XX/XXXX {$8400.00} XXXX XXXX XXXX XXXX XXXX, XXXX {$6900.00} XXXX XXXX XX/XX/XXXX {$590.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} Inquiry -XXXX XXXX
Consumer complaint received 2024-09-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (WV)

Company claimed they did not receive a payment. 
XXXX bank showed the payment was Sent on XX/XX/year>. 
As a condition, I agreed to make a second payment over the phone provided they were to credit the first payment for the next month. 
They agreed and took the payment. 
Less than XXXX hours apart both payments were debited to my bank account. 
Company is now stating they never agree to crediting the second payment to the next month. 
I do not appreciate the company 's lack of candor, misuse of my time, bait and switch tactics and unprofessional and rude representatives. 
XXXX of the payments should be returned or credited.
Consumer complaint received 2021-09-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Block, Inc. (MA)

CashApp/XXXX  XXXX  are running an outrageous scam. They told people that if they get their pay deposited into a CashApp/XXXX  XXXX  account they'd get {$100.00} off their next purchase. What they didn't mention is that their card is a prepaid card not a debit card and can not be used in certain stores. The {$100.00} disappeared because of this. When attempting to close the Debit Card and Bank accounts, they said they would not do so unless I deleted my entire cashapp. Unfortunately, to function in 2021 it is necessary to have cashapp although I've moved as much as I can to XXXX. However, this hostage situation that forces me to leave this card and bank account open to ahve the base functions of the app ( that operated just fine without them before ) is ridiculous as when setting this up, it was never stated that this was an irreversible decision, even after talking to them for a month.
Consumer complaint received 2023-08-11
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. (FL)

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2023-07-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (TX)

I just received notification in my email inbox about this debt dated XXXX  XX/XX/2018 which is around the time my identity was compromised, I had to file a claim with FTC because I have had several debts that aren't mine and there was a fake claim with XXXX and an opened Bank Account with XXXX I had to dispute, I have been gone from this address for atleast 9 plus years.
Consumer complaint received 2023-08-12
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. (CA)

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

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXXXXXX Balance : {$4000.00} ; XXXX XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$81.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$0.00} XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$120.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/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 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 2021-09-02
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. (AL)

On XX/XX/XXXX I purchased a product from a company XXXX XXXX XXXX, registered address XXXX XXXX XXXX, XXXX XXXX, CA XXXX - owner listed as XXXX XXXX. I never received the product. The total charged was {$160.00}. I reached out to the merchant multiple times. She responded once in the beginning stating that my order would ship the following week but it never shipped. The owner has since ignored all subsequent requests and contact attempts. I filed a dispute with cash app. They stated they filed the chargeback but the XXXX XXXX sided with the merchant. Thats not possible! In order for a merchant to win a chargeback dispute the merchant would have to show proof of delivery of the product. This merchant does not have proof of delivery and I never received the product!!!! Something isnt right. I submitted proof of my multiple contact attempts to this merchant showing her unresponsive ness, her phone lines were disconnected, her website was down for a period of time due to a billing issue and now its back up. I want my money! Cash app is unorganized and I cant get through to talk to anyone! The next step will involve my attorney, cash app, and the merchant. Cash app has been negligent in properly investigating the dispute. I want proof of the investigation and the results!
Consumer complaint received 2023-08-11
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

On XX/XX/XXXX, I was depositing cash funds into a Bank of America atm to my business savings. While doing so, the atm malfunctioned and shot my debit card back out. I had deposited {$3000.00} into the atm during this transaction when this happened. After this happened I checked my account and saw that it was showing {$3.00}, so I immediately contacted the customer service # thats on the atm. I claim was then filed for the missing {$2900.00} and after checking in a few times on that claim I was told that it would be expedited. On XX/XX/XXXX I called in again to get an update on the claim and was told that the representative did not expedite the claim as he said he would and that it would be done at that moment. There was also note added showing that the rep was filing a complaint on my behalf due to the misinformation that was given to me. On XX/XX/XXXX I was notified that the claim would be credited to my account on XX/XX/XXXX. On today XX/XX/XXXX my access to my online banking was denied and I was informed that my account was set to be closed with no further explanation and told that I would not be receiving my credit for my missing funds due to the atm error. I was not given any detailed information or proof on 1. My account being closed and 2. Me not receiving my {$2900.00} that is MISSING. I feel that Bank of America never intended on correcting the deposit error and I feel that closing my account is a tactic for Bank of America to not have to credit or give me back my funds that were taken by their malfunctioning atm and I want this resolved immediately and I will not stop until this is resolved rightfully.
Consumer complaint received 2023-03-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Block, Inc. (NY)

I already tried contacting Square Cash To request a Cash Card and they refused to Send me a Replacement. I waited a week for a response, and they ended up telling me they're unable to verify my Identity while they actually verified my identity. I am a victim of Identity theft but When I ask for a replacement card They refused to even provide that to me in my New York address. Over and over I get a run around and now they refuse to even respond to my email. I am ready to file a Lawsuit due to Non compliant Issuance of a Cash Card.
Consumer complaint received 2021-08-31
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Block, Inc. (IL)

I was selling an XXXX XXXX XXXX XXXX on the XXXX XXXX on XXXX about three weeks ago. I submitted the condition of the phone, the name of the phone and the asking price for the phone. One particular consumer submitted interest in the phone and stated that he wanted to purchase it. Upon further conversation through XXXX, we both agreed on the details for the purchase of the phone, which was {$700.00} USD and that once the consumer submitted his address to where the phone was to be shipped to, I would then take the phone to the XXXX XXXX XXXX XXXX, have it mailed off and then submit a photo copy of the receipt and tracking number to the Cash App Center to have my funds submitted to my account. I held up EVERY aspect of my side of the commitment to the selling and delivery of the phone and I have yet to this day, received any money for my phone. I received an email from Cash App stating that they have submitted money to my account and I HAVE NOT RECEIVED ANY FUNDS! Further more, Cash App then stated that the reason for the delay of my not receiving any money was due to the fact that the denomination of money was too low for me to receive any money. So then Cash App claimed to have gotten in touch with the buyer of the phone and to inform him of this problem and that the buyer would need to submit at least {$500.00} more USD in order for me to receive any money. I was then told that the buyer had done so and submitted the extra money requested and required for me to receive any money. Then I was told that I needed to refund the extra {$500.00} USD back to the buyer of the phone in order to receive the original {$700.00} USD. I have never received NOT ONE SINGLE PENNY OF ANY MONEY AT ALL! And now I have been threatened by the buyer and Cash App about this ordeal and told that I would be sued and sent to prison for this. I have also received a threat by email from what was supposed to be the FBI, stated that I need to relinquish the funds or be sent to prison. I truly believe that this is all a fraudulent attempt at obtaining a free phone from me and that the whole ordeal was fraudulent! I believe that the Cash-App statements are false and that the FBI emails are false. I don't know how to go about proving this and need help in this matter.
Consumer complaint received 2021-08-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (TN)

Square Inc. Refuses to return my money. I did not authorize any transaction where all of my money would be taken, who would? I had to file two complaints. The second complaint was resolved first and faster than the first complaint. I'm currently getting replies with copies of their policies. At first, the replies asked for more verifications. I've have never received help from this company, within days and weeks of them taking my money, they never helped me. Now I'm getting policies! Within days and weeks of me contacting them through customer service, they never helped. I wanted to have access to my account through their app and I just got the run around. And now they take all of my money. I need to know who is the right person that needs to hear my case? Who understands that since they never helped me to begin with, why should they keep my money? I have paperwork flooding with verification after verifications. I did everything they asked me to and still get nothing in return and loss more.
Consumer complaint received 2023-08-18
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I formally requested copies of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

I let them know The listed account is entirely inaccurate and incomplete ( SEE ATTACHED HIGHLIGHTED REPORT ), and represents a very serious error in their reporting. I am maintaining a careful record of my communications with them for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office for noncompliance. I further reminded the
m that they were not in compliance as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of certified letters may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681a ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #.
Consumer complaint received 2023-08-18
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. (FL)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2021-09-05
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (TX)

My name is XXXX XXXX and I am a square user. 

I recently started Processing payment with square and I have over {$14000.00} in my square account from customers. 

But my issue is that when I click on " Balance '', it shows that I have {$0.00} and it says that my account is under review. The issue is that this review is still there and is taking a long time and I'm worried that square has stolen my funds. 

I making this complaint because I want square to tell me exactly when they will allow me to withdraw my funds The email address associated with my square account is XXXX XXXX
Consumer complaint received 2021-09-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (PA)

Yesterday XX/XX/XXXX i had recieved a XXXX  deposit for a little under XXXX dollars to my cashapp account. This transaction had be done multiple other times for various amounts between me and the same organization no problems. Then cashapp decided to " review '' this transaction. They essentially took my bitcoin deposit and are almost holding it ransom while providing zero reason or anything to back their actions. I reached out through phone and their chat and can be told nothing other than wait for an email. Cashapp is essentially stealing my money with no justification or reason and im tired of companies thinking they can do whatever they want with zero repercussions.
Consumer complaint received 2023-03-21
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Anderson and Associates Credit Services, LLC (WA)

During the months of XXXX to current I have made a a few attempts to contact Anderson and associates LLC in XXXX Oregon regarding this debt. I told the owner I was going to file bankruptcy to get rid of the debt and he proceeded to call me a XXXX XXXX XXXX. He also threatened to put a lien on my house. He has spoken to e in a hostile way. I believe this is a clear FDCPA violation.
Consumer complaint received 2021-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Block, Inc. (NY)

My problem is it with the company a XXXX XXXX they've been holding my money for three weeks they haven't transferred money to my bank account I use them as a credit card processor for my small business I've been trying to contact them every single day and nobody answers is just a machine I need to know what's going on and where is my money they hold in almost {$4000.00} I would like to get my money and cancel the account
Consumer complaint received 2023-08-12
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$680.00} XXXX XXXX XXXX  XXXX Balance : {$680.00} XXXX XXXX XXXX Balance : {$680.00}
Consumer complaint received 2023-10-26
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: EQUIFAX, INC. (NJ)

After reviewing a copy of my personal credit report, I have come across a few inconsistencies. I am the person making this complaint & I give CFPB authority to investigate this claim. I understand that mistakes may happen, but these types of mistakes are severely damaging to my chances of owning a home. I have researched the dispute process and I am aware that you must complete your investigation within a thirty-day time frame. 
Below are the errors I have identified : XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.