davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (TX)

On Thursday, XX/XX/2020 Square , Inc stated that I have a negative balance on my account, but shows being positive. On XX/XX/2020 a purchase was made and cancelled within minutes ... needing a refund. The funds were never deposited within my account, they intercepted the transaction before it could be posted to my available balance. Square stated it was unable to process the refund because they took the money to satisfy the negative balance. Square never sent me a letter, email, called or posted to my account being negative or what are my options to take of the negative balance. I have taken screenshots showing where my account does not have a negative balance. I spoke to 5 different representatives yesterday with no resolution as to having that refund processed. I even offered if they refund the {$1300.00} I would set up a payment plan by paying {$300.00} of the {$1000.00}, I was told to call back the next day. I have been trying to call them but their system now states that " Customer Service is unavailable. I was also told by another agent that even if I make payment arrangements they will take whatever additional money comes through to satisfy the debt. What is the purpose of setting up a payment plan if they are still going to take money as it comes in? On XX/XX/2020 I received an end of year statement from Square and it did not report any losses only profits. 

I have also filed complaints with the Following : XXXX  case # ID XXXX Texas Attorney General Complaint No : XXXX Federal Trade Commission case # XXXX
Consumer complaint received 2020-02-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (CA)

On XX/XX/2020, I placed an order via an online store, through XXXX. I messaged the individual who claimed to be the owner of the online store. She claimed to have had her business for several years and was successful. I placed an order for 1 designer purse and wallet, 2 designer belts, and 1 designer hoodie. Before I secured the order I inquired about the payment method and delivery service. Again, I was assured the business was legit and would get a tracking # for my purchase and I would be getting the items with in 3 to 5 business days. The individual stated she uses Cash App to receive payments. I went ahead and paid {$600.00} for my items. However, I never received my items, tracking #, or a REFUND. On XXXX, I attempted to retrieve my refund from Cash App which denied reversing the transaction even though I informed them I never got the items I had ordered. My second resort was to contact XXXX  XXXX XXXX. On XXXX, I opened up a claim. The bank researched the claim and then denied overturning the transaction even though I never received the items/services. XXXX basically took the same steps I did, which was contact Cash App and did not resolve anything. I believed that because they are a reputable established FDIC bank, I would have had better results. Instead, XXXX was of not helpful at all. After banking with them for approximately 25 years, XXXX did not offer any support or do anything. It should be noted, during the two claims which were submitted, I continued to have contact with the individual requesting an order status, a tracking #, a delivery date, until I finally asked for a refund. She would avoid my messages even though I was notified she was online. Therefore, at this time I would like to know what I can do to get my money back and report her so called business so she will not continue to scam people out of their hard earned money.
Consumer complaint received 2024-10-14
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. (RI)

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint. 

Items that need attention : 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 2022-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY (NY)

AMEX is reporting on my personal credit file. This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The data furnisher ( DF ) is not complying with federal law in regards to identity theft. Additionally, the data furnisher has not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me ( AMEX XXXX )
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MS)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I have been sending disputes to the credit bureaus since XX/XX/year> and not once have I had any deletions nor have they even sent me any documentation that they are even processing my disputes. This is utterly sad that the credit bureaus are NOT DOING THEIR JOBS!!!!!!! I am going to the XXXX  Next. 


See attached
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (DE)

XXXX XXXX XX/XX/year> I hope this letter finds you well I am asking for the cfpbs help in a system me or protecting my rights i have been violated by Equifax and XXXX I wrote to the XXXX XXXXXXXX XXXX bankruptcy court on XXXX seeking confirmation about the reported bankruptcy, and received a letter in response > stating they do NOT furnish any consumer data to Equifax, XXXX or other credit entities. I also sent 3 dispute letters to equifax and XXXX citing the inaccuracy and requesting investigation/removal based on the court 's response. Plus asking for information that they have they sent me a letter back with another name on the bankruptcy that is not mine also. I sent notarized affidavits also. I also sent Equifax a letter documentation of contacting The District court directly inquiring about their records, but received no response. Despite Equifax and XXXX failure to validate or deny the report to you directly as the natural person creditor. Equifax and XXXX has not properly fulfilled their duties to investigate under the FCRA nor removed the false information, despite being unable to verify the third party source that supposedly reported it.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

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 2023-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (LA)

My name is XXXX XXXX, I am seeking your assistance in clearing up my reputation with potential creditors and the bureaus. 
The account reporting on my credit report via Experian : XXXX Account # XXXX is negatively affecting my commercial and personal reputation and hindering my ability to participate in commerce and pursue happiness. 

This account being reports is in violation of the following codes : 15 U.S Code 1681a - Accuracy and Fairness of Credit Reporting This code states I have a right to privacy.

15 U.S Code 1681b - Permissible Purposes of Consumer Reports This code states a credit reporting agency can not furnish an account without my written statement.

15 U.S Code 1692d - Harassment or Abuse This code lists The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person as a violation. In which case my reputation is being threatened by the discrepancies being filed on my credit report. I am being discriminated against as a result.

15 U.S Code 1692e - False or Misleading Representations This code states a creditor may not use the false, deceptive, or misleading representation or means in connection with the collection of any debt. In which case, false and misleading information is being used to coerce me into fulfilling the debt collection. 


I am working to apply for loans to make some financial changes in my life for the betterment of my myself, my wife and children, however these abusive practices are hindering my ability to do so. 

I have reached out to Experian numerous times pleading them to remove this discrepancy from my credit report but they refuse to.
Consumer complaint received 2024-10-14
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. (PA)

I am writing to follow up on my previous dispute regarding the unresolved errors and discrepancies on my credit report, which you have failed to address appropriately. Despite the 30-day period mandated by the Fair Credit Reporting Act ( FCRA ) to resolve disputes, I have yet to receive confirmation of any corrective action regarding the inaccuracies.
Consumer complaint received 2023-07-05
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (FL)

We were trying to process a credit card payment, from XXXX ( XXXX ) for our business. Our client, who we have known for over 25 years, was using a Non USA Bank approved credit card. The amount was {$1400.00}. We were using 'Square ' for credit card payments, to accept for our business. We branched out on our own, and this same client, who we have dealt with for over 25 years, followed us, and was making a payment for a business order. Square requested name, address, phone number, email of our client, which we provided. They have now deactivated our account, but made the collection. Money has now been in their control for over a week! I called customer service, and apparently no one has called or verified our client, even though they have all the information. They are now telling us, they are holding funds for at least 90 DAYS! Why we asked, no response, it's their protocol. 
Is this legal? Money has been sitting in their account, and my client is waiting for delivery of their order. What are we suppose to do????????
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

This morning, I was shocked to find inaccurate accounts on my credit report, and I have no idea why theyre there. I check my credit report regularly, but this time, unexpected discrepancies appeared out of nowhere. I even refreshed my browser, thinking it was a glitch, but the errors remained. Now, Im really concerned and asking that the documents Ive sent be reviewed thoroughly, so I never have to deal with this stress again.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. ()

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2024-10-14
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. (RI)

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for XXXXonsumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Consumer complaint received 2023-07-06
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. (CA)

This is my NUMEROUS request 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 XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX : {$19000.00} XXXX XXXX Original creditor XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX
Consumer complaint received 2023-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I had a letter sent out to me that said I could settle an account on my Credit Report for XXXX XXXX XXXX. It was in Collections, and by setttling it ; it would move out of collections and be closed within good standing. It updated ( good standing ) on 2 reports, was sold to another lender though, and. Im having an issue getting XXXX Credits Report updated, Its returned back on other reports, like Credit Karma, and now Im having it difficulties getting it removed from the collections section ; paid off, and showing in good standing. I had disputed it too soon at first, unaware of what it was in XXXX. Because of that XXXX wont allow me to ever dispute it again, and its impacting my score terribly on that particular Credit report, and now all of them as this new lender cross paths as I settled and paid it off, and is placing it back everywhere it seems
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2023-07-05
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. (TN)

I WAS LOOKING OVER MY CREDIT REPORT TO BUY A NEW HOME WHEN I SEEN SOME ACCOUNTS LISTED ON MY REPORT THAT I NEVER DID BUSINESS WITH THESE ACCOUNTS ARE HURTING MY CREDIT AND WAY OF LIFE AND I WANT THEM REMOVE.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2023-07-05
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. (FL)

I'm submitting a complaint to you today to inform you that I was a victim of identity theft. I search on how to remove the fraudulent accounts in my report and found that I need to visit FEDEDAL TRADR COMMISSION or https : //ww.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/delete any accounts listed in ID theft report. Please find the attached documents to assist in the blocking of the erroneous information which is being posted yo my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 
XXXX XXXX Inaccurate Addresses : XXXX XXXXXXXX XXXX MT XXXX, XXXX XXXX XXXX XXXX, VA XXXX and XXXX XXXX XXXX XXXX, MT XXXX ; ACCOUNTS : 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 XXXXXXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall REMOVE any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-07-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc. (PA)

I sent {$300.00} through cash app to an attorney XXXX XXXX, she doesn't have the app on her phone. I walked the payment in her office. I contacted Cashapp to inform them by phone that {$300.00} was in their system account, They immediately agreed to return the money that minute to my debit card issued by XXXX, The money never shown up to this day, XXXX disputed and cash app lied by saying they put it on my cash app balance. 

I'm attaching documents that show they never place back on my card or in a cash balance.
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have a XXXX  XXXX XXXX XXXX account that was a personal loan for {$300.00} that I paid off in full and its showing potential negative on my XXXX report as well as a XXXX XXXX credit card that I paid off of balance of {$440.00}. I would like those two items corrected or removed off my credit report please
Consumer complaint received 2023-07-05
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: 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 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.

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.