davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2021-03-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (MI)

XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX. 
The deposit has been pending since this time. 
I have called the company Cashapp 5 times and was told they would escalate the case. I emailed 10 times with no responses to any emails. Cashapp will not help over the support telephone line. They only offer email support.
Consumer complaint received 2021-04-26
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. (MD)

I recently applied for a PPP loan though a lender. 

I am writing regarding a recent email that I received regarding my recent application through Square for a PPP ( paycheck protection loan ) loan enclosed I have attached a copy of that email received on XX/XX/XXXX. 2021 The email states I was denied a loan because of my past criminal history I asked that the lender forward to me in written form the following information : Specific crimes or convictions that this decision was based upon. 
Date of convictions of any and all XXXX convictions this decision was based upon Jurisdiction of the conviction that this decision was based upon Name of the Court providing such records of convictions this decision was based upon. 

Please forward all to me at the following address XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, MD XXXX XXXX For any questions I may be reached at : Thank you for your time and attention XXXX XXXX
Consumer complaint received 2021-03-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc. (CA)

On XX/XX/XXXX, I opened an account and made the following transactions : -XX/XX/XXXX : Purchased Bitcoin {$100.00} -XX/XX/XXXX : Sold Bitcoin {$89.00} ( {$2.00} ) transaction fee -XX/XX/XXXX : Purchased Bitcoin {$100.00} -XX/XX/XXXX : Purchased Bitcoin {$100.00} -XX/XX/XXXX : Purchased Bitcoin {$100.00} -XX/XX/XXXX : Purchased Bitcoin {$500.00} On XX/XX/XXXX, I submitted valid Military ID to Cashapp to be verified for Bitcoin transfers.

On XX/XX/XXXX, I requested a status update as it was advertised as 10 days for verification. Their service team said they would forward the request and I provided email, cashapp handle, and a description of the issue. On XX/XX/XXXX, I resubmitted ID, this time a valid drivers license starting the verification process over again.

On XX/XX/XXXX, I followed up and they said that their service team would send me an update. The update was literally an email that said they had closed my account and that I would have to liquidate my investment and transfer it back to my bank. They said I had violated the terms of service, which I reviewed again and I have not violated them. They then sent a vague email saying they couldn't tell me what violation occurred. I filed a complaint with the XXXX XXXX XXXX  ( XXXX  ) and my XXXX XXXX chain of command regarding Cash apps business practices. I did a XXXX search and found that this is a common occurrence while forcing people to liquidate their investment and not provide a reason.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX 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 2024-09-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TN)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2024-09-19
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. (IL)

I need your support in addressing the incorrect account showing up on my credit report. I am bringing this up because it has significantly damaged my reputation, and I require your help. Your mistakes in handling my credit report have put me in a difficult situation, ruining my reputation due to inaccurate reporting. Please take action to remove these incorrect entries.
Consumer complaint received 2021-03-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Block, Inc. (CA)

I am writing because error message not allowing me login access. XX/XX/2021 I emailed cash app support seeking help with a password reset. CashApp failed resolving my login issue. I know about technology. CashApp does not provide the level of customer service I am looking for. I specifically told the company about what my login issue was that my phone was stolen connected with number XXXX and that I am accessing my cashapp with number XXXX. CashApp gave impossible instructions stating " Scroll down and tap Sign Out ''. Why would CashApp tell me to update my phone number on my account when the very reason I contacted their customer service was because I could not log in? This unacceptable technical support is frustrating my plans because I need my money added immediately! I live on skid row DTLA. I get {$100.00} a month from California General Relief " GR ''. I can't afford paying the bank fee on a checking account with XXXX XXXX because of XXXX capitalism in XXXX " economic genocide ''. I am poor financially because of my XXXX XXXX. Four times I reached out to cashapp. I have attached three email attempts that specifically stated the login issue. my failure conversation phone call was with XXXX from XXXX XXXX competed my efforts of resolving my login issue directly with CashApp. XXXX stated that if I dont create a new account then their is nothing that can be done on their in regarding recovering my login. I explained that already new accounts have been created and that is not what I want to do every time I have trouble logging in and that I disagree that the only solution is creating a new account. Further CashApp should not be in business if they can not support the existing customers they have. I specifically stated my account recovery on my app and website was asking to verify the credit card connected with number XXXX stating " please verify card ending in XXXX '', I emailed customer service stating that my phone number XXXX activated with a Mastercard ending in XXXX via email and telephone I asked CashApp why their system would ask me to verify an old credit card on file that is not active? Cashapp 's phone support couldn't answer and agreed that was strange however provided no solutions. CashApps system does not provide specific internal error code messages that would help their phone IT support know which field of information is triggering a lockout on their end. I then began demanding to speak with a developer regarding their technology and account login lock out. Supervisor XXXX disconnected my phone call because I refused her advice of creating a new account.
Consumer complaint received 2020-06-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequium Asset Solutions, LLC (VA)

On XX/XX/20 : I received a notification from my credit monitoring service that there was a new collection on my account by sequium. 

On XX/XX/20 : I called sequium paid off the entire amount in full, eventhough I never received written notice of the debt or it was going to be reported to my credit bureaus. I was told by the representative that it will be deleted from the 3 credit reporting agencies within a week and I should receive a letter in my email stating the debt was paid in full. 

On XX/XX/20 : I called sequium back and spoke to numerous persons on the phone. I was actually hung up on twice. I told the customer representatives that I never received the letter of paying in full as promise and I asked how long would it take for sequium to remove this collection off of my credit reports. They said they do not remove collections off of credit reports, eventhough they are the ones that reported them. 

I also told them that I didnt receive written notification about the debt prior to it being reported to credit bureaus. So, I could atleast review the debt or dispute it. They failed to comply with FCRA ; after stating this to one of the customer service representatives. I was told to email them as to why it should be deleted and to write that I didnt receive written notification and they were not complying with the fair credit reporting act. 

I still havent received any definitive reply stating that when the collections will be removed off of my credit.
Consumer complaint received 2024-09-19
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. (PA)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXX  - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : U.S. Bankruptcy XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXXXXXX XXXX XX/XX/XXXX CAP XXXX NA XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2021-03-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Block, Inc. (NC)

Dear Consumer Finance In the mail on XX/XX/XXXX I received a XXXX XXXX card in the mail. Upon opening the mail there is a debit card and printed card stock with very limited information on on it. It reds the following : On the front of the card stock is my address with a bar code and a number printed XXXX XXXX XXXX XXXX to the left of that is a a small QR code.. On the lower left corner is the stock it reads ; XXXX Square , Inc. Assembled in USA, Cash App logo is a trademark of Square Inc. All others are trademarks of their respective owners, ID # XXXX. 

Upon opening the folded card stock in side it reads the following ; Activate Your Cash Card Scan QR Code with your Cash App The code directs you to download load a app. 

It is also has printed info and icons reading ; Save with XXXX Tap to Pay, Direct Deposit, Access ATMs, and Pause With a Touch.. It On the front of the Debit Card itself it reads $ XXXX and also what appears to be a imbedded chip. 

On the back of the debit card is my name XXXX XXXX with a credit card account number, XXXX XXXX XXXX XXXX with a CVV # XXXX with a EXP of XX/XX/XXXX and on the lower right corner it reads XXXX  XXXX. 

I looked at contacting this company but get numerous XXXX  Search results indicating this more than likely is fraud. I am hesitant to call a number I dont feel I can trust, and calling or downloading the app could further jeopardize or expose me to fraud. 

Im also suspicious to this mail as I never applied or requested this card and additionally there is no readily available contact information or phone numbers to call ( not that I would call ).

Your assistance in following up as to the authenticity of this card or to report that it could be fraud is why Im contacting you as this just doesnt feel right and hope this may help others.

Sincerely XXXX
Consumer complaint received 2021-03-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc. (NV)

C/o XXXX Ive sent you guys enough complaints, that this one is different. As always, someone can say, whys he contacting us, guy is cia living in XXXX. maybe at the end of the day, it all comes down to my email address but if I were to give a thesis on my writings not only to you, I in this situation the person place or thing Im complaining about gives two XXXX my email address and therefore, I understand what you guys do. You guys have one job, to protect consumers. I dont think Im being wrong especially when Im writing you about call it legal stealing cash from me. You know, theres an interesting thing about Bitcoin. I know ya never trace any of those digital currencies, thats not the point in Bitcoin world every breathe in a transaction involving Bitcoin, can be traced. And after they told me confirmed on XXXX, I went to three diff finders of transactions so all you need is either the sending or receiving address. I had both and all three websites stated that those addresses dont exist.? And this ignoring me and I mean, were dealing with money and the way their acting just totally XXXX ignoring me? Can I throw an idea out there? Whose to say cash app, didnt create those two addresses on a seperate server told me all the right things confirmed ya prove it no just ignore me. Ya know, do you notice in their interactions with me not ask what address were they supposed to send it too or from. But the screen shots I have, yo if they say we lost it. Thats my fault? But can you imagine er docs were like Ill get to you by two days. And not once say it was my fault in any way.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NJ)

In XXXX, I contacted Experian to report fraudulent inquiries on my credit report and requested that they block the inquiries and update my report accordingly. However, Experian declined my request. I then spoke with XXXX XXXX, the company responsible for the inquiries, and they confirmed they had accepted two fraudulent applications in my name.

Following this, I reached out to Experian again to set up a fraud alert and dispute the fraudulent charges that have caused financial hardship. During the call, I verified all of my personal information through their automated system. After confirming my information with the initial representative, I was transferred to XXXX from the Specialist Service Department ( Fraud ). 

When XXXX requested my Social Security number, I informed her that I could not provide it verbally as I was in a hospital room with a roommate present. I explained that I had already entered all necessary information and asked if she could proceed with alternate questions for verification. XXXX, however, insisted she could not continue without my Social Security number, despite the fact that I was calling due to identity theft. I requested to speak with a supervisor, but XXXX refused to transfer me. 

Experian has been unhelpful in addressing these issues, failing to conduct thorough investigations or provide adequate protection for victims of identity theft like myself. Despite the serious nature of my compromised identity, I have received little to no support from their services.
Consumer complaint received 2024-09-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SANTANDER HOLDINGS USA, INC. (MA)

I had a check in his account with Santander Bank I was a victim of cashing a check that was Santander bank fault bc I told them on face book theres a job that was high and remote control job they sent me a check and I asked Santander Bank if the check was good before I cashed it and said that it was all set XXXX protecting the customer. They clearly check in two days and the company that was supposed to be Job fooled me and took the money, Santander Bank never did Seven 10 days to see if the check clears they checked and the computer and they said the check was good for the fact that security breach on both ends as a customer I should not owe {$1800.00} for certain of the Bank system computer That cleared that check we in XXXX they supposed to have all that figured out on the computers Instead of the bank not charging me because they gave me the OK to cash it and take responsibility for the security breach investigated properly. I give them all the evidence. and he still wan na charge me thats not fair because of that I cant open a bank account. I cant progress for the fact that I made the call before the check was cash and Santander Bank in XXXX XXXX gave me the OK that it was a good check because I was suspect myself about the check, so therefore, the mistake by clearing The check when I alerted them Before at hand stead of them, shoulder and responsibility they put the blame on the on the customer for it was security breach on their end not my end I shouldnt be charged {$1800.00} for the mistake of the bank for giving me the OK
Consumer complaint received 2021-03-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (FL)

On Tuesday XX/XX/XXXX I tried to send a friend {$100.00} that I had in my CASH APP account! Ever since that day I haven't been able to log in AT ALL or use the card provided by CASH APP! I've spoken to support multiple times and they assured me I can sign in but I am unable to ... I have a current balance of {$2500.00} in the account and I'm not able to access my money to pay my rent which is due in a few days! ... cash app support told me to just delete the app and sign back in and I did but that just allows me to create a new account and not sign in my Main account which is cash tag XXXX XXXX which is attached to phone # XXXX And email XXXX When I try to send /receive money to XXXX XXXX Cash app says there is not account with that name but when I try and create a new cash app it states that name is unavailable! This makes no sense and I demand access to my account so i can withdraw my funds Name : XXXX XXXX
Consumer complaint received 2016-10-26
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (TN)

I had a personal loan account attached to a credit card with Wells Fargo. I received a letter XXXX XXXX, 2016 stating charging privileges on my account and reference to reasons why. The account has been open and has not been past due. The account has been open maybe just over a year. After, the letter my credit score dropped and I could not understand why. I did not give Wells Fargo permission to run may credit after the account was open. The account now says, your account has been closed but you can still make payments
Consumer complaint received 2024-09-19
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. (TX)

I received my credit report on XX/XX/year>2024 and notice there were accounts that do not have permissible purpose to be on there. These hard inquiries are hurting me for getting approved. I already reached out to the credit bureaus about this multiple times they keep violating my rights under 15 USC 1681b. I also have attach the hard inquiries that don't have no purpose to belong on my credit report. 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. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX XXXX XXXX ) XXXX has 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 a 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 adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. I also asked for the original contract to be provided and it was not.