davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-27
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (MN)

IN RESPONSE TO EQUIFAX THEY STATED TO CONTACT THE ORIGINAL CREDITOR FOR THIS INFO THE LAW STATES THAT THE REPORTING AGENCY HAS TO HAVE THIS INFO ON FILE WHEN A CONSUMER ASKED FOR IT IN THIS CASE EQUIFAX IS IN VIOLATION OF THE FCRA. I HAVE ATTACHED A COPY OF THE FEDERAL LAW 609 ACT IN THIS DISPUTE FOR EQUIFAX TO PLEASE READ AND PROVIDE BY THE FEDERAL LAW
Consumer complaint received 2017-01-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (IA)

On XX/XX/2017 I faxed a dispute letter to Equifax regarding reinserting previously disputed and deleted addresses without notifying me of doing so in writing within 5 business days of reinserting them and they ignored my dispute letter. I have again faxed them a dispute today XX/XX/2017 but to ensure that they properly acknowledge my dispute I want to file this complaint as well. I received a copy of my credit report dated XX/XX/2017 with XXXX previously disputed and deleted addresses reinserted on my credit report. I am requesting that they REMOVE ANY AND ALL INFORMATION THAT HAS BEEN PREVIOUSLY DISPUTED AND DELETED ESPECIALLY SINCE THEY HAVE NOT NOTIFIED ME OF REINSERTING THE INFORMATION IN WRITING WITHIN 5 BUSINESS DAYS THEY ARE CLEARLY IN VIOLATION OF THE FAIR CREDIT REPORTING ACT.
Consumer complaint received 2024-10-29
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. (GA)

I was a victim of ID theft a while ago. I was informed that there was an data breach with XXXX. I pulled my credit report and noticed that I had an unauthorized account my credit report. I contacted the company and they send me a letter to have it removed from my credit report. 


XXXX XXXX XXXX acct # XXXX
Consumer complaint received 2016-08-17
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (IL)

I tried to dispute with Equifax an item is in my redit report, and there is a process of a Validation of this debt with XXXX XXXX, I also kept Equifax aware that I 'M in the process of a validation of this debt, therefore Equifax con not continue reporting this item if a validation of this debt is not provided to me, from XXXX XXXX .from this collector of this especific debr, but seems Equifax don not respect my FDCPA rigths, equifax still reporting this item is not validated see attached documents and FDCPA section XXXX validation of debts { XXXX XXXX XXXX }
Consumer complaint received 2021-06-24
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (IL)

On XX/XX/XXXX, I sent a payment for {$95.00} on my cashapp to the wrong person then right after sent it to the right person. I then requested a refund from the wrong person I sent it to and have not yet gotten my refund. Ive been chatting with Cashapp support regarding this issue and they are asking me for information that I have given them about the person that I was suppose to send it to. I asked the person for the information I needed and have given it to cashapp support and theyre still saying that they cant verify the information Ive given to them and keep requesting the same information I gave them. They are refusing to move on with my refund request and requesting the same information I gave them. I just need cashapp to refund my {$95.00} for the misdirected payment at this point it is really starting to frustrate me. Just give better customer service and simply give me my refund. I am attaching documents showing the payment sent to the wrong person and the refund requested and also the payment sent to the correct person. Also the screenshots of my conversation with cashapp customer service is attached.
Consumer complaint received 2017-03-14
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc. (OK)

I purchased my home on XX/XX/XXXX and refinanced the original mortgage with XXXX XX/XX/XXXX. My loan was then sold to XXXX ( XXXX ) in XX/XX/XXXX. In mid XX/XX/XXXX, I was solicited by XXXX., for a mortgage modification. They claimed that for a fee of {$3500.00} they would be able to modify my mortgage. I employed them based on their promises and agreements and due to the fact that they were law firm. I was instructed at this time that in order to be eligible for a modification, I would need to stop making my mortgage payments. While this seemed illogical, I obeyed. This is where my 6 year journey for a loan modification began. After several different modification companies, attorneys, mulitple foreclosure attempts and 2 rescinded bankruptcies to stave off the foreclosures & sheriff sales, I was granted the loan modification by XXXX. Early in the process, I suffered multiple hardships which further justified the need for the modification but went ignored. It took 5 years before I was finally allowed to speak with my modification " manager '' at XXXX The modification added nearly {$150000.00} to the existing debt of {$220000.00}, with a new note of XXXX. My payment were nearly identical to my original payments, with a term of 40 years. After the trial period, my mortgage payment increased nearly {$500.00}. During this process, I felt misled and lied to by XXXX, various attorneys and XXXX. I feel I was deceived. My life for the last 6 years was consumed by this constant battle of financial XXXX warfare to save my home. Had I known then that the only outcomes were ruined credit, financial distress, near XXXX, relentless harassment and a massive increase to my debt, I would have never stepped foot down this path. I am now dealing with a new servicing company, Seterus, who is handling my mortgage post modification. I feel like I am right back in the middle of the modification with amount of harassing phone calls I receive from this company. For multiple months, I receive calls stating the payment information I provided is invalid. I provided them with the same information, which is kept on record, in their system. This is a recurring problem.
Consumer complaint received 2017-02-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (GA)

There is incomplete, outdated, and incorrect information reported on accounts that are reporting on my credit report. The accounts are : XXXX. I have requested these accounts to be deleted due to the violation of FCRA. I submitted this request XX/XX/XXXX2016.
Consumer complaint received 2016-04-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (TX)

Credit agencies XXXX Equifax , XXXX allowed the collection agency XXXX XXXX XXXX XXXX to falsely report a collections on my credit report to make it seem like they were the owners of the account. The account was paid in XXXX XXXX, 2016. With all the identity theft going around why was this creditor able to falsify the account. I reached out to them, XXXX and all the credit agencies and all I was told it happens dispute so we can investigate in 30 days. Lastly, this error caused by credit score to decrease and I was denied credit as well. The original creditor of the account was XXXX XXXX XXXX in XXXX, TX and they received payment on XXXX/XXXX/2016 from XXXX XXXX XXXX. Therefore the account was paid ever though I disagreed with how the account became mine it 's now paid and in the past. Why did n't XXXX XXXX XXXX XXXX investigate the account before reporting to my credit report and all this could have avoided.
Consumer complaint received 2021-08-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc. (MD)

I was sold counterfeit shoes that XXXX XXXX stated were authentic, and he lied about getting them from a legitimate source ( XXXX XXXXXXXX XXXX  Website using automated bots ). When in reality he bought the shoes from a supplier in XXXX and resold them to me then had the shipping information changed from his address to mine. The transaction was between him and I. He is not willing to accept responsibility for taking my money and charging me for shoes that are confirmed counterfeit when I paid for authentic shoes. I had no interaction with the supplier. 
My only interaction and transaction was through XXXX. After my complaints to him he tried to make himself look better by ordering a real pair of the same shoes I bought from a verified website. ( XXXX ) The supplier he buys shoes from apparently has a factory in XXXX that produces a plethora of counterfeit products. He sent me a wide variety of shoes I could purchase claiming they are authentic. He also sold many pairs of shoes to people all over the United States through XXXX. 

I have contacted cashapp previously and they have not been willing to conduct their own investigation. I reported the indicident to the police Case number : XXXX Officer : XXXX  Badge Number : XXXX Phone Number : XXXX Address : XXXX XXXX XXXX, XXXX MD, XXXX I have also reported this issue to the FBI 's IC3 department
Consumer complaint received 2021-08-15
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. (TX)

I received a cash app debit card in the mail on XX/XX/14 but I do not have a cash app account so know it is fraud. I called what I believe is their customer service but many sites say they do not have customer service # so not sure if the # and callback I received is another part of scam. The # is XXXX. The only info I gave them was my email, they did email me mins later and asked for a lot more info to investigate the fraud but that could be part of scam as well so I am just not responding. I just wanted account closed. I did shred card. The email is from XXXX but afraid more of the scam.
Consumer complaint received 2021-08-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Block, Inc. (WA)

I added a boost to my cash card for {$30.00} off a purchase of {$30.00} or more anywhere. I contacted cash app to make sure my {$30.00} purchase would qualify many days before the boost was set to expire. I communicated with them that I did not see any information about minimum purchase requirements when clicking on the boost. I asked them, specifically, on multiple occasions whether or not my purchase would be eligible and they would not give me a straight answer. Not until after my boost expired. Then they finally said that the purchase needed to be {$30.00} or more. I wrote in several times asking for this information and they withheld it from me until after my boost expired. I even suggested to them that I felt they were going to wait until after my boost expired then tell me my purchase didn't qualify for one reason or another. I suggested this BEFORE my boost expired. They proceeded to do exactly what I said they would. I don't know what I could've done differently. I made an effort and contacted them several times only to be met with copy/pasted nonsense that didn't pertain to my situation or answer any of my questions.
Consumer complaint received 2021-08-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (WI)

Ok on XX/XX/XXXX my phone was stolen out of my car and when I realized it was gone I had access to my old phone so something told me to immediately check my cash app so I go on my old phone check my cash app and this person who stole my phone was in it Im watching them change my information Im changing it back we going back and forth so I tried immediately contacting cash app they was not available at the time so I called my phone provider which is XXXX so by the time I get in the phone with somebody finally as soon as shes cutting my stolen phone off poof I checked my cash app account and all my money was at XXXX they attached a unknown XXXX XXXX XXXX   account to my cash app and this bank account dont even have my name on it I dont even bank with XXXX XXXX XXXX disappeared out of my account so Im telling the the whole time cash app that my phone was stolen and they hacked my cash app and took all my money out my account I tried to tell them while it was processing the time it was prosessing everything as a customer to save my money I did they did absolutely nothing at all Im talking about nothing now today its like they erased my whole cash app I cant log into it it says its unavailable I have emails everything to prove this whole thing is wrong they didnt do nothing with the proper information I provided them I called the bank because they said they was going to ask the bank to reverse so I took it upon myself to contact the bank myself cash app provided me wit a transaction summary of the transaction with the bank details I call the bank they tell me its been reversed already I contact cash app again and they just completely sent me thru XXXX and at the end did nothing about my money and left if like that to the point they took my account down now me and my family suffering from the lost of these funds
Consumer complaint received 2021-08-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Block, Inc. (VA)

I requested a banking account and a debit card from Square last month and today. I called Square last month and today. They could not explain why I was refused. Only that the message I received of denial was all I would be told. I could not be identified andhad used my allotted number of attempts. ( 2 ) I have used the Square credit card platform for over XXXX  years. They process payments to my credit union account, XXXX, have given me XXXX loans for XXXX  years.They have always received timely repayment. They have my copies of social security no, drivers license, and credit information I requested to be transferred to the banking department. I spoke with XXXX. She said she was not able to escalate my issue. That I had used my attempts and thats all I was allowed. I told her that was incorrect and I wanted to speak to a manager. I held the telephone line, she came back andsaid no one would call me back or could provide further information Of my denial. 
I had XXXX other XXXX XXXX  attempt and they were denied as well. I reviewed Squares listing of business that they conduct business with. XXXX XXXX were not listed.
Consumer complaint received 2016-06-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (CA)

1. The credit reporting agency is continuing to report Consumer Reporting inaccurate information on my credit report, 2. your company does nothing to fix it I want to go meet with the CFPB to see what you do to get this Inaccurate Information and illegal handling of my information stop. 
3. Do you feel you can just allow these XXXX credit reporting company to continue to lie to you and I and I 'm going to say oh well? 

4. I am not going to keep filing disputes when they go to a blind ear. 
5. I want someone to contact me about how they will proceed to get this fixed within the 30 days. If I do not here from you or someone who has authorit7y to make the XXXX credit reporting company report the correct and accurate information on my credit report. I will come up to your office own my own time to get it resolved. 
XXXX
Consumer complaint received 2015-06-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (IL)

I HAVE SUBMITTED THE PAPEERWORK AND DOCUMENTS AND THE CREDIT BUREAUS HAVE TOLD ME TO CONTACT THE CREDITORS TO DEAL WITH THEM REPORTING INACCURATE INFORMATION, AND INFORMATION THAT DOESNT BELONG TO ME.
Consumer complaint received 2021-08-05
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. (PA)

I have been contacting y'all cash app support team over chat about my two disputes, the {$32.00} from XXXX. Why do I need to dispute that payment? Because the company never send me my order, and I have been contacting them by email, they don't reply to my emails. Another dispute is {$120.00} from XXXX XXXX. Why do I need to dispute that because I didn't pass their program? On their site, it's said they offer refunds. Still, contact the business by email and tell them there was a glitch in their system that makes me void the program rules. They told me I couldn't get a refund or a free retake 's and I have been contacting y'all support about their disputes. They keep telling me someone will contact me, and their no updates yet on my disputes, and they claim they escalate my issues. I have been waiting for a whole week now without no contact by email from y'all my two case number is XXXX and XXXX. And my cash app tag is $ XXXX. I require y'all to contact me.
Consumer complaint received 2021-08-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (MI)

XX/XX/XXXX {$3800.00} was sent from my cash app to my angry ex spouse cash app while i was totally unaware. I was under impression my device was lost or stolen but it was not just hidden so i couldnt check apps. The money was to be paid for a ticket at police station now that is resulting in a warrant until paid so i cant physically go up to make a police report at the very moment because of the situation. Ive Reported to my bank And filed a claim with the CFPB Which is XXXX  XXXX XXXX currently they are investigating the claim dispute. What they denied my original unauthorized transaction XX/XX/2021 because cash app told them there was no new log in device and the transaction was made from my device, as Ive stated already it was knowledgeably and unauthorized from my device without my permission. 
Chatted with cash app today And they denied the claim and didnt even ask me what took place. I feel that Ive been violated off some federal right.
Consumer complaint received 2016-01-04
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (WV)

I have a 7 year fraud victim alert on my Equifax credit report any time I try to order a copy and the automated system wo n't send me a file disclosure it 's been a year and I have the rights to free copies to detect further fraud
Consumer complaint received 2023-03-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have been misidentified with another individual with a nearly simile name. I was informed that this individual has a nearly similar name, Date Of Birth and SSN his information has been mixed up with mine bringing down my credit score. I went to file a dispute but my Transunion account was locked, I emailed Transunion support and they closed my case without helping me unlock my account.
Consumer complaint received 2021-08-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (GA)

On XXXX XXXX XXXX and XX/XX/2021my CashApp was compromised for over {$2500.00}. On XXXX XXXX I reach out to CashApp about the fraudulent activity that occurred on my account. Receiving a response from CashApp representative on the online chat was very slow or none at all. Also their toll free number no one ever picks up the call ( XXXX ). Therefore, I also contacted my financial institution XXXX about their issues. XXXX retire my money back to my personal debit card account. However on XX/XX/2021 cash app is now demanding for me to pay back {$1000.00}. I was sent money thorough CashApp on XXXX 2021. CashApp have taken my money unwillingly. 

I am a victim of fraud through using a platform which does donot care about their Consumer 's being victim of fraud, its sneaky and pathetic how a company would prey on the innocent person over using resources to figure out the hackers who committed this offense. Now because I am just an individual I have no safety from CashApp trying to persecute me and have me help responsible for fraudulent activity on my account and people out here who are committing these crimes.
Consumer complaint received 2021-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Block, Inc. (FL)

On XX/XX/XXXX XXXX took from my account XXXX fraud. I deactivated my account and was still receiving their emails. Accidentally I clicked on it and automatically deactivated it. I tried being as understanding with them and I find it very incorrect on how they work. Today XX/XX/2021 I still get their leads although my account is deactivated meaning if I do the same accidently they will charge me again. I never worked or will ever work with this company. They are very illegal going into my account and taking money for no reason. I have attached proof.
Consumer complaint received 2021-08-04
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. (WA)

Square Customer service agents do not understand enough English to properly process a a simple disputed merchant charge on the card. 

My original filed written dispute clearly states the following : Merchant Name : XXXX XXXX XXXX XXXX Order Number : - XXXX Transaction Date : XX/XX/2021 Transaction Amount : {$19.00} Reason for dispute : Received Defective Product Square 's first customer service agent just cut and pasted in their response were the agent requested that exact information again, which means their agents are either not reading or not understanding simple straightforward English. 

Then, the second agent, thought the complaint was for a product that was not received yet, so cut and pasted in a request for all of the shipping information and so on, again indicating their agents are either not reading or not understanding simple straightforward English, because a defective product by definition means the product was received. 

This type of horrible customer service should not be allowed, because it makes filing a debit or credit card dispute extremely difficult.