davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NJ)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NJ)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions. 

XXXX - XXXX
Consumer complaint received 2019-05-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Block, Inc. (NJ)

I received a balance transferred to me using Cashapp. The balance can be cashed out immediately for an additional fee, transferred to your bank in 48 business hours or to a gift card. I chose to deposit to my bank, XXXX. I made the attempt on XX/XX/19, XX/XX/19, and toady XX/XX/19 using the free option. After being prompted to login to the XXXX account there is a notice of an error. I contacted the, via email on XX/XX/19 and have not received any response other than this bank has problems something like that. No resolution after making initial contact w/ them. 

I am not interested in paying to transfer or gift card. 

Please help.
Consumer complaint received 2019-05-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc. (TX)

Ever since I had cash app, either Im not able to access my funds like I should or they never go through or just like I deposited XXXX dollars on Friday and now they closed my account for no reason and now Im not able to get my money off the account and nor am I able to link another bank or anything to retrieve those funds either.. .this is unacceptable
Consumer complaint received 2021-02-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/2020 my bill did not go through account with missed payment. I am kindly requesting WELLS FARGO BANK CAR to remove this missed payment from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15U.S.C 1681 section 602 A.States I have the right privacy 15U.S.C 1681 section 604 A Section 2 It also states a consumer reporting agency can not furnish a account without my written instrctions
Consumer complaint received 2024-09-03
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: EQUIFAX, INC. (CT)

I was requested by XXXX a supervisor for XXXX and she stated if I sent the affidavit the account would be disputed and handled nothing like that I had to call and the agent told me that the file was rejected because of possible credit repair lab never got a letter or notification of this now XXXX will not process my request as also the same XXXX from XXXX and XXXX from equifax this is getting agravating and I am tired of the run arounds
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2019-05-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc. (NJ)

On XX/XX/18, i applied and was approved for a Cash app prepaid card. Since i am XXXX i do not have a steady income or bank account to receive, transfer funds. My wife and son who both have Cash app felt this would be a good option for me so whenever i need money they can transfer From their accounts to my cash app card. I had no issues whatsoever, until a few days when my son tried to send me XXXX XXXX   for dinner. He let reviving a message stating the transaction failed. At this point i had already had XXXX XXXX in my account from transactions from my wife. I emailed cash app who said due to fraudulent activity my card was closed. I am beyond angry as i did nothing wrong. My son and wife both work and anything sent to me or transferred was monies from their account ya only. The strange thing is their accounts are still open so where was the fraud. I sent a message to XXXX today and received another email with no explanation but that my account is closed. I have XXXX XXXXs int he account and i would like my money either sent back to my wife or to myself.
Consumer complaint received 2022-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. Thank you
Consumer complaint received 2021-02-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

On XX/XX/XXXXmy boyfriend an I deposited {$1600.00} in a Bank of America ATM machine on XXXX XXXX and XXXX XXXX in the city of XXXX XXXX the time was between XXXX and XXXX the machine took my money an asked to confirm it was {$1600.00} I hit the confirm button and the machine started loading then it shot my arm card out and shut off. I stayed the machine for over and hour trying to get in touch with someone from Bank of America to find out what went wrong. They tell me their going to do an investigation. I needed that money to pay for an apartment I got approved for. Now I'm in jeopardy of losing the apartment if bank of America doesn't credit my account with the money I deposited
Consumer complaint received 2021-02-22
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: World Acceptance Corporation (TX)

I am filing this complaint because World Acceptance/ World Finance has ignored my request stop reporting the negative account that was fraudulently opened using my personal information with their company. I have provided them with my police report and identity theft affidavit supporting this. I have also disputed this account on numerous occasions because of the inaccuracies reporting across all the different credit bureaus. Payment dates, open dates, and close dates are not consistent. 

Please resolve this matter as soon as possible. Thank you!
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NJ)

My Social Security number has been used by an ex-girlfriend who was apparently arrested for fraud. I have many fake aliases on my credit report, including addresses, phone numbers, and other issues. I have been unable to get these fictitious items removed from my credit report, especially the XXXX report. I recently requested an FBI search on myself to see if anything else is showing up that should not be connected to my name. 

Warmly, XXXX
Consumer complaint received 2021-02-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (TX)

Comenity credit card closed my XXXX  balance Visa card because I duped not make payments on my student loans which are in deferment due to the pandemic. They refused to accept I am a government employee who has student loans that are NOT in bad standing and refused to provide me a reason why they took this erroneous action. Further a disputed account that was removed was utilized as well when I asked them why if it was disputed I did not receive an answer. I was disconnected several times and representatives were uncaring and calloused in how they responded. I was advised I had no recourse despite the error made.
Consumer complaint received 2024-08-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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, XXXX, and Transunion data breach.
Consumer complaint received 2019-04-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (TX)

I have a Cash App account. On XX/XX/XXXX this I sent a payment of {$100.00} to XXXX XXXX. The payment was accepted by XXXX so I canceled the payment on XX/XX/XXXX. The canceled payment of {$100.00} was still shown to be missing from my checking account so I called my bank XXXX XXXX to describe what happened to get the funds credited back to my account. I thought the situation was resolved til the morning of XX/XX/XXXX at XXXX XXXX  I received two emails from Cash App. The first email was to notify me that my account had a negative balance which was confusing since I had not made any transactions that would have placed my account in the negative. The second email stated the canceled payment I canceled for XXXX XXXX on XX/XX/XXXX was canceled and credited to my cash app balance. But it also stated that my balance was - {$100.00} and to make a payment to cover the negative balance. I tried to get in contact with Cash App but they do not have a working line that allowed me to speak with a customer support rep. In addition to this issues, someone sent me {$81.00} they owed me, and I instead of holding the {$81.00}, the {$81.00} was credited to the - {$100.00} balance. I do not owe Cash App anything, and this is either a glitch in their system, or a case of fraud. Either way I would like this issue resolved immediately! I am going also to file this complaint with the XXXX XXXX XXXX as well.
Consumer complaint received 2021-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

I received a notification in my email that XXXX completed their investigation into my dispute of the following accounts File XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXXXXXX XXXX - XXXX XXXX XXXXXXXX  XXXX - XXXX XXXX ; I have faxed this information and sent certified mail to both Equifax and XXXX in regard to these same accounts. I demand that XXXX and Equifax remove these items immediately. I have been advised by my attorney to file a complaint here prior to proceeding with a lawsuit. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Thank you
Consumer complaint received 2021-02-20
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. (OH)

The credit bureau is reporting inaccurate information to my credit report. I sent in a dispute letter to them on XX/XX/2021. They have fail to comply within the 30 day statute of limitations.
Consumer complaint received 2019-04-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (NC)

On XX/XX/XXXX I sent a {$300.00} down payment for parts and services to XXXX XXXX XXXX through Cash App. ( Square , Inc ). On XX/XX/XXXX I sent another {$120.00} to her boyfriend ( XXXX XXXX ). After weeks, then months of being lied to and misled, I filed a complaint with Cash app support on XX/XX/XXXX. They responded with sympathy and asked that I contact my bank and they would work directly with them to resolve the issue. My bank is another issue, but they did open a case for one of the transactions. My bank did inform me that the transactions are out of their time frame for a ruling in my favor. I right away ( XX/XX/XXXX ) contacted Cash app to discover they closed the case because they hadn't heard from me. They reopened the case and I went through the steps to reinitiate the complaint and they responded with and email saying my Cash App account is closed and I can no longer send or receive payments. I responded to the email asking how are the two crooks being held accountable, but they have ignored me. Can you please help me. I also sent money through XXXX to these crooks and they have already credited my account. Appreciated your time and consideration.
Consumer complaint received 2021-02-20
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CURO Intermediate Holdings (IL)

I was made aware of the collection account after I had received an adverse action letter in the mail because of this negative account reporting. When I checked my credit report I saw this collection account reporting. I called to dispute this debt but ended up settling. But that was not an admission of guilt to the debt I just wanted to get it resolved. I never received the dunning letter that I read online that I suppose to receive letting me know I had a right to dispute this account within 30 days. However, I agreed to pay this account with the promise they would remove it. But the debt collector misrepresented the account and mislead me to believe that by paying the account it will be removed from my credit report.
Consumer complaint received 2021-02-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WINNPOINTE CORPORATION (CA)

I applied for a refinance with Interactive Mortgage back in XXXX. I had a rate lock for 2.35 % 30 years loan for a loan amount of about XXXX {$410000.00}. 
While i have been waiting for the underwriter, since they have a long queue, rates have gone up ( now the same product is offered for a rate of 2.75 % ). Interactive Mortgage kept on stalling and delaying the process and emailed me on Monday ( XX/XX/2021 ) this week to tell me that my rate has expired last Friday and they will not be able to give me that rate anymore. 

Interactive Mortgage haven't called me or emailed me to let me know that they are waiting on something on need any additional documentation.They also waited till the Monday to email me ( email enclosed ) when they should have done it before Friday, before the rate actually expired. Additionally, i was never notified about this expiry date in any communication from them. 
Enclosed is an email from Wednesday XX/XX/XXXX, two days before the rate was allegedly supposed to expire, in which i am asking XXXX the processor about latest status of the refinance and and she says nothing in her reply about rate about to expire in two days. 

i strongly suspect I am not the only person who fell victim to this fraudulent " stalling till rate will expire '' strategy. They have a strong motive for stalling customers since this way they don't need to respect the rate they promised when market conditions have changed. 

To my huge surprise, they became non responsive and when i eventually talked to the manager XXXX XXXX XXXX XXXX, he had nothing to say to me other than " he is sorry that this is how i feel ''. He mentioned that i can't speak to anyone else and he is the right person. 

Back in XXXX, i could have gotten this rate from a few companies. Now it is not available anymore.
Consumer complaint received 2019-04-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (MI)

This complain is to Cash app formerly known as Square cash. On XX/XX/XXXX I went to the XXXX XXXX XXXX XXXX Michigan tried to get back my money from Cash app of {$300.00} because that time she was no longer had cash app. I made a claim through my branch and they recommended to call cash app but I ended up on person who was acting cash app representative on phone instead of debited back my money he did transaction of {$500.00}, {$750.00}, {$500.00}, {$500.00}, {$500.00}, {$2000.00}, {$500.00}, and {$250.00} to XXXX XXXX. Immediately I called XXXX XXXX same day to tell them those were invalid transaction and its is fraud so do not release those transaction, but the bank still released those transaction on XX/XX/XXXX. I made another claim to the bank and I was be able to get those transaction back. On XX/XX/XXXX I received a letter from the bank stated the are going to debited back those transactions because Cash app said were valid transactions which was never been valid transactions. I made another claim but still bank keep denying because Cash app keep telling them those were valid transaction. I did report this matter to XXXX XXXX Michigan and they are working on it. I will submit all documents if required Thanks.
Consumer complaint received 2019-04-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (MD)

The app is called cash app its an extention of square i have a mobile account along with a prepaid card. The problem first happen on friday the XXXX at XXXX XXXX it said i tried to send a contact {$200.00} dollars which was an accident made by me because the app was still open when i was rushing leaving work. 
I have emailed and verified as i was told numerous time in the past 5 days now leading up to a second week. back to back since friday of the occurring issue and it is still have a hold and freeze on my account and money. the transaction of XXXX dollars was done by me by accident i didnt even have XXXX dollars in my account to send and cash app has put a flag and frozen my account and money since friday around XXXX XXXX. I currently have {$73.00} being held. I can not get my money out, make a purchase, send or receive money. I can't do anything with the card my money is just frozen and sitting. It keeps telling me to verify my bank account, but i never put my bank account info on this card or app. And i dont have a bank account that was the point of me ordering the card so i can store money without fees and use as a prepaid card to send and spend money please help me with my problem. I have emailed them because their is no way to contact them except by email. They took forever to reply and now their just not responding at all.
Consumer complaint received 2021-02-20
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: CCS Financial Services, Inc. (OR)

There is an unknown collection on my credit reports. Im requested the verification of the collection and the method of verification. CREDIT COLLECTION SERVIC ( Opened XX/XX/2017 ). For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose. My written authorization.