davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-02-08
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: ENCORE CAPITAL GROUP INC. (TX)

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
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. (NY)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and remove them immediately in my report : XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-02-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (TX)

This letter is a formal complaint that they are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it XXXX that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

I have contacted XXXX personally and they have not followed up with a response fir the verification of debut and its been 30 days. I also am a victim of fraud. My wallet was stolen which had my social security card and Drivers License inside of it. I filed a police report and a identity theft report with the Federal Trade Commission on this matter
Consumer complaint received 2019-08-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (CA)

On XX/XX/XXXX, my friend sent me {$400.00} ( of which {$6.00} were fees ) over Square Cash I had the immediate debit card transfer turned on, and the funds transferred over to my XXXX XXXX  debit card. However, I had closed down the bank account ( and debit card ) a few days prior. 

XXXX XXXX  said that they did not receive the funds Square Cash said that they confirmed with the payment processor that the funds were successfully sent to XXXX XXXX I am now in a predicament because my {$390.00} has essentially disappeared in thin air. Neither party is claiming responsibility for this issue.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Consumer name : XXXX XXXX XXXX, Consumer social security Number : XXXX, Consumer date of birth : XX/XX/XXXX, Contents of complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C to 1681 c-2 ) that you, The TransUnion credit reporting agency , Block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card opened account opened at XXXX XXXX XXXX XXXX  on XX/XX/XXXX under the account number # XXXX, A Phone Account at XXXX on XX/XX/XXXX under the account number # XXXX, An Auto loan at XXXX XXXX XXXX on XX/XX/XXXX under the account number # XXXX, And a Auto loan at XXXX XXXX XXXX on XX/XX/XXXX under the account number # XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report mentioned by you which shows the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, or hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC identity theft criminal complaint # XXXX as proof from the US federal trade commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2019-08-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (MN)

On XX/XX/XXXX, I was approached by an online seller to use the " Cash App '' by Square as they could use the funds immediately to ship my product. Working in the financial services industry, I loaded up the app and found I was able to pay with my debit card so I decided to do the transaction. I was not greeted by any terms of service, nor was I told that the funds would be non-reimbursable. XXXX, a similar competitor using bank accounts, strictly tells you every time that most transfers are not able to be returned. So I felt safe and proceeded as I figured this was just Square 's version of XXXX. I made the payment but I immediately started getting concerned as the online seller would not produce a shipping number. I still have not received the items. I contacted my bank ( XXXX XXXX ) and started a Reg E fraud claim on XX/XX/XXXX but they stated that I would have to contact Square as they viewed it as a transaction with Square and that the end user would be Square 's responsibility ( on XX/XX/XXXX ). I attempted to contact Square multiple times but their phone number only refers their merchants to use their number and without this number I can not get through. Square is acting as a merchant servicer and they are not providing protections for the users. Furthermore, there is no way to report a user for fraud. Square is not doing their part to protect users. The amount was for {$330.00} and the product I was purchasing was a used XXXX XXXX and some games.
Consumer complaint received 2021-02-21
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: COOLEY ENTERPRISES INC (TX)

I purchased a XXXX  XXXX from Clay Cooley XXXX in XXXX Texas on XX/XX/2020 it was the worse experience of a lifetime. The sale person proposition me a favor since he sold me the car, the finance person said I had a maintenance agreement when it was time to get my Oil changed I found out I didn't have it. I cancelled the extended warranty for {$3000.00} it was not taken from the loan until XXXX. The {$3000.00} was applied as payments towards the loan, but the amount was never taken from the loan, so I'm still paying on it monthly. I purchased the Car {$27000.00} ( Trade in was added to the purchase price {$7000.00} ) I still owe {$26000.00} with monthly payments of {$540.00}. I tried to return the car within the 3 days and was told by the sales man I was not able too. He said to me and I quote " you come in here with a XXXX credit score no money down and expected lower payments ''. Just Rude! I have been turned down 30 times trying to refinance this car. Covid hit the next month and I was not able to move forward with the complaint, everything closed. I sent messages and no answers, I feel like I was taken advantage of. I went to get an oil change and was told I didn't have the maintenance agreement even though I signed into the program, what was included was {$1500.00} deal that helps you locate your car which when I signed the paper I was told it was of no charge. These people need to be investigated
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. (TX)

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 2021-02-20
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: EQUIFAX, INC. (SC)

I've been disputing inaccurate information on my Equifax report since XXXX. I've sent in certified mail, previous CFPB compliants, FTC reports, and police reports. Nothing works with this company. Every time I call I'm placed on hold for various lengths, the calls are routed outside of the USA, and the rep on the phone can't find my documents, are just tells me to send them again and wait 30-60 day. I'll attached documents along with this complaint and the previous complaints numbers that went ignored. Please someone assist me in resolving the issues I'm having. XXXX  and XXXX both have been very helpful, and I assume Equifax would following the same guidelines in removing the disputed information, but they must have something on file or abide by different rules. 

Submitted to the CFPB on XX/XX/XXXX XXXX Submitted to the CFPB on XX/XX/XXXX XXXX Submitted to the CFPB on XX/XX/XXXX XXXX
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 status incorrect
Company: Experian Information Solutions Inc. (MD)

I have been contacting the credit bureaus for years for them to update my credit report correctly and they have refused to do so basically stating that the information is accurate and I have asked them to provide the documentation that they have been able to identify the accounts as accurate and they have not done so. I would like for the accounts listed below to be deleted from my credit report as quickly as possible because I am trying to get back on the right track.
Consumer complaint received 2021-02-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (IN)

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2019-08-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (OH)

I called Cash app, on XX/XX/2019, to discussed the dispute. I explained, my error, I tapped the wrong person name and the money was send. I called my bank, the money was credited back to my account, until they could investigated the matter. 

On XX/XX/2019, I received notification, the money had been withdrawn and returned back to the same person. 

XX/XX/2019, Cash App 's has several phone numbers listed, on the internet. I called Cash App spoke with a male named XXXX XXXX, a representative of Cash app. Mr. XXXX stated, he could see my account and repeated the last 4 digits of the account number. He commented, " I can see you have never filed a claim with our company, before and I will refund your money '' In fact, I will deposited {$250.00} for this inconvenient. He said, " I need your bank card number '' I explained, the bank card has been closed '' Mr. XXXX next question, " How far are you from XXXX? I said, about 30 minutes. Mr. XXXX instructed me to go to XXXX and purchase a gift card for {$250.00}. Once, I have purchased the card, call him back with the numbers from the back of the card, so that he could deposited the money onto the gift card and I then could placed the money back into my account. I then realized it was a scam. The person, who I send the money never contacted the bank stating, they was owed any money. Cash App took advantage of the error and kept the money. 

After I learned is was scam, I call the XXXX  XXXX XXXX ( XXXX.XXXX.XXXX. ), to report the incident and learned Cash App does not have a phone number.
Consumer complaint received 2021-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NY)

Can not unfreeze my credit with Experian, as the website is broken. As per the screenshot. When I call for support, they say they can not help me, as my credit is frozen. 

They should ensure that the freeze/unfreeze functionality is working, instead of promoting their paid for credit lock service. isnt that a conflict of interest?
Consumer complaint received 2024-09-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I request that TransUnion, XXXX, and XXXX provide the following information to validate this debt : 1. Verification of the Debt : Proof that the debt is valid and that you have a right to report this debt under the FCRA.

2. Original Documentation : Documentation showing that the debt is mine, including the original signed contract or agreement that created the debt.

3. Complete Payment History : A detailed payment history, including all charges, credits, and payments made on the account.

4. Evidence of Reporting Accuracy : Documentation that shows the accurate reporting of the debt, including any communications from the original creditor or collection agency that support the debt being reported as accurate.
Consumer complaint received 2019-07-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc. (PA)

On XX/XX/19 a cash transfer of {$250.00} was sent from my debit card account name XXXX XXXX to an unknown person XXXX XXXX name shown is XXXX XXXX though cash app. Once I saw the transaction, I called the bank to stop it and they said because it was pending they can not do anything until it actually posts. So on XX/XX/19 my Girl friend went under my cash app and canceled the transaction which still said pending on cash app it gave me a transaction number. Someone informed me that cash app would refund the money to me within XXXX days it actually says it on its app. Here we are on XX/XX/19 and I have still not gotten my money back from cash app. I have had to cancel my debit card on XX/XX/19 so that this can never happen again. there is no email to contact cash app on, no telephone number all it gives you is a customer support link which send you a pin number that takes you no where on their app. I refuse to lose {$250.00} when I followed the instructions to cancel the transaction. The money was never accepted thank XXXX so I was able to cancel it but now we are at day 9 with no refund in sight.
Consumer complaint received 2019-07-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (NY)

Cash app is fraudulent they have no legitimate customer service they dont even get bak to ur emails. My brother in law and sister cash apped me funds accidentally thru ther account then requested them bak and now cash app is trying to charge me for the the funds I returned to the requested individual. Whether its cash app the bank or possibly my family members trying to rip me off whoever it is I returned the funds I have the proof theres a trail so cash app has to get the person who has the funds whos committing the fraud I gave bak the funds I didnt exhaust none of it so y am I getting a negative {$700.00} balance I will not allow this to mess up my credit I returned the funds
Consumer complaint received 2019-07-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc. (DC)

XX/XX/2019 : After noticing my monies were transferred to a cash app debit card I XXXX cash apps number ( XXXX ). A rep answered the phone Cash App and proceeded to help me transfer the monies from the cash app debit card ( which I have never had a cash app debit card or number ) to my debit card linked to my banking account. While trying to help me I was told I had to log out of my account but would be able to get back in. Once I logged out ( $ XXXX ) I was not able to get in cash app and dont know where the monies are currently. I need help in locating where the money is and either deposited into my account or refunded back to the sender. This matter has been an inconvenience and am very disgusted with this process ( this is the email I sent to cash app ). 
AFTER A FEW EMAIL EXCHANGES, they sent me this email Cash Support XXXX Sun XX/XX/2019 XXXX XXXX You Hello, Thank you for providing the requested information. We completed our investigation and determined your account to be compromised based on the information provided to the third party. To prevent further unauthorized transactions we have elected to close the compromised Cash App account. 
To regain access to your original account, you need to open a new Cash App account. Once created, we will grant you access to your original account information. 
Once you successfully create a new account please reply directly to this email with : Your new XXXX Photo of your current government-issued ID ( drivers license or passport ) Your current Cash App login device make and model We want to resolve this matter for you as quickly as possible, and with the required information ( your new XXXX and ID ), we can complete your reimbursement. 
We greatly appreciate your patience and cooperation. Please let me know if you have additional questions. 

Thank you, XXXX XXXX Support Still haven't received the {$2500.00}
Consumer complaint received 2021-02-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (FL)

My mortgage was acquired by Freedom Mortgage on XX/XX/2021. I was not advised of this transfer. With the original lender, approximately {$470.00} of each payment was credited toward my Principal each month. Freedom Mortgage, however, is only crediting {$3.00} per month toward my Principal thereby unreasonably and illegally extending my mortgage indefinitely. Also, it appears they are not applying my payments toward my escrow for taxes and insurance. I've tried communicating with them about my payments, however they have not responded.
Consumer complaint received 2019-07-08
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)

I have a balance of {$100.00} on cashapp and I cant deposit it. I thought it was because I lost my card and requested a new one.  Once I got my new card I tried to add it to the account and it wouldnt accept it. When I go to cashapp support it doesnt have a phone number for customer service. It says my account is closed and I did everything it says to do in order to transfer the remaining funds to my account and no success.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am requesting your assistance in addressing a wrong account on my credit report. This has harmed my reputation, and I require your help. The poor handling of my credit information has led to serious consequences, and I ask that these mistakes be removed so I can move forward with my family.
Consumer complaint received 2021-02-08
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. (NY)

I sent a dispute of incorrect information to creditor to please provide me proof that the discrepancies on my credit report were actually from usage of me and my personal credits.