davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (FL)

I purchased XXXX electronic goods for my kids on the online platform " XXXX XXXX. '' A seller near me in XXXX XXXX put an ad for XXXX electronics for {$XXXX}, I contacted the seller and paid for them. The seller specifically requested a transfer via Cash App due to the Covid-19 pandemic and not wanting to break quarantine guidelines in the XXXX County area. I transferred {$XXXX} and the seller immediately blocked me from all forms of communication via mobile and online platforms ; in addition, the address provided to me to pick up the XXXX goods did not permit me to enter the residence and the address unit did not answer calls upon arrival at entrance. All in all, the " seller '' took my {$XXXX} and did not provide me the XXXX for my family
Consumer complaint received 2020-04-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (PA)

I used Cash App to send {$30.00} from my debit card to another user who ended up never giving me the goods for the money. Cash App refused to help and when I filed a chargeback dispute with my bank, rather than comply with the dispute, Cash App closed my account.
Consumer complaint received 2023-08-15
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: Experian Information Solutions Inc. (GA)

Recently I have been given information from a legal service about my consumer rights provided by and through Title 15 USC. Through this code I discovered that the credit bureaus XXXX, Experian and XXXX ( herein after CRAs have violated several rights and in doing so have publish, sold and used my personal, private and nonpublic information without my authorization or knowledge. 
According to USC 15 1681 Permissible Purpose of Consumer Reports it describes what is allowed in terms of a consumer report. These are clearly covered in ( a ) " General '' and is limited to " ... and no other ''. It list that a consumer report is available via ( 1 ) a court, " subpoena '' and ( 2 ) " in accord with written instructions of the consumer ... '' and " no other '' The remainder of this section is only applicable unless/until the consumer provides " written Instructions '' In other words a CRA needs explicit written instructions from me the consumer before it can use, sell report or in any way create a " credit profile on me the consumer. And they are not allowed to used, sell provide or report my nonpublic information, they have done so and without my authorization. I am demanding the CRAs produce a certified copy of any such consumer " written Instructions '' they allege I the consumer have provided.

In addition The CRA 's are required to provide me the Consumer with a written opt out option. This has never been provided to me, if the CRAs claim different I demand they produce a certified copy of any such " opt out form ( s ) Nothing in any of this consumer 's credit report or any information listed in any reports files or documents held by any CRA was authorized by me and has been created by a third party and possibly the CRAs and is fraudulently obtained and qualifies as identity theft.
Consumer complaint received 2020-04-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (AZ)

On XX/XX/XXXX I received a email that my XXXX password was changed I immediately called XXXX and the rep couldnt ver me I finally got through and was told my balance was XXXX and the funds were sent to cash app in my name I hardly use cash app the rep told me XXXX dollars was xfer from my savings to my checking and the perpetrator started to send money in increments to my cash app ranging from XXXX XXXX XXXX XXXX and XXXX hundred dollars the total they xfer was XXXX dollars I immediately log into cash app and was able to see the transaction but it was too late the perpetrator spent XXXX dollars from my cash card at XXXX XXXX dollars at a food mart and tried to use it for XXXX dollars at XXXX XXXX  but it was declined because we already meaning myself and XXXX XXXX rep already blocked the cash card through the app I have reached out to cash app several times there is no phone number which I find to be crazy where u can try and call you have to submit a request through app and wait on a email I have emailed sent message through the app like 5 or 6 times to only receive a email asking for the same info I already supplied I have attached screen shot proof of every transaction I have attached proof the transaction were done in Florida per their app I live in XXXX Arizona I have sent proof that I have filed a police report all they did was block my cash app card literally three days later on XX/XX/XXXX like I cant believe this you dont block it when literally 15 transaction came through on XX/XX/XXXX but you freeze the account when the consumer reports fraudulent activity but then cant even explain or communicate with the consumer on whats needed to be done to get their funds back please help me please that was my little savings I know its not a lot my I worked hard to save that money.
Consumer complaint received 2020-04-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc. (FL)

Hi, I called XXXX  XXXX XXXX 1st and been on hold for 3hours dealing with 4 different representatives.. 
The last one helped me stop the payment BUT square is refusing to refund me my funds, The person said they will refund me the money and never did, I called them they gave me XXXX XXXX. 
I have text messages of it ... And email 's with square that they are not helpful payment processors can reverse a payment ... I been scammed and I notified all parties ... XXXX  XXXX XXXX help they did not do I'm reaching out to you guys ... Help me thx ...
Consumer complaint received 2020-04-03
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: Block, Inc. (MS)

Company - CashApp XXXX  XXXX  Primary Problem # 1 - Missing {$200.00} in a series of payments received between Monday ( XX/XX/2020 ) through Wednesday ( XX/XX/2020 ). 

Primary Problem # 2 - The CashApp Website provides no phone number to contact them for support and none of the self-help narratives offer a process to resolve this type of problem. 

Details : These 30 transfers are the payment activity ( including CANCELED transfers ) during this period : 1. Amount = {$50.00} - XXXX $ XXXX, Monday, XXXX XXXX  2. Amount = {$35.00} - XXXX XXXX XXXX  XXXX, Monday XXXX XXXX  3. CANCELED - Amount = {$450.00} - XXXX XXXX XXXX  XXXX, Tuesday XXXX XXXX  4. CANCELED - Amount = {$300.00} - XXXX XXXX sent by XXXX XXXX, Tuesday XXXX XXXX  5. Amount - {$100.00} - XXXX XXXX XXXX, Tuesday XXXX XXXX  ** CASH-OUT = {$180.00} 6. Amount = {$450.00} - XXXX XXXX XXXX  XXXX, Tuesday XXXX XXXX  7. Amount = {$100.00} - XXXX XXXX XXXX XXXX, Tuesday XXXX XXXX  8. Amount = {$38.00} - XXXX XXXX XXXX XXXX, Tuesday XXXX XXXX  9. Amount = {$10.00} - XXXX XXXX  XXXX, Tuesday XXXX XXXX  10. Amount = {$50.00} - XXXX XXXX XXXX  XXXX, Tuesday XXXX XXXX  11. Amount = {$75.00} - XXXX XXXX  XXXX XXXX XXXX, Wednesday XXXX XXXX  12. Amount = {$320.00} - XXXX XXXX XXXX  XXXX, Wednesday XXXX XXXX  13. Amount = {$480.00} - XXXX XXXX XXXX, Wednesday XXXX XXXX  14. Amount = {$94.00} - XXXX XXXX  XXXX, Wednesday XXXX XXXX  15. Amount = {$66.00} - XXXX XXXX XXXX XXXX, Wednesday XXXX XXXX   16. Amount = {$100.00} - XXXX XXXX XXXX, Wednesday XXXX XXXX  ' 17, Amount = {$200.00} - XXXX   XXXX XXXX  XXXX, Wednesday XXXX XXXX  18. CANCELED - Amount = {$50.00} - XXXX XXXX XXXX   XXXX, Wednesday XXXX XXXX  19. CANCELED - Amount = {$50.00} - XXXX XXXX XXXX   XXXX, Wednesday XXXX XXXX  20. CANCELED - Amount = {$50.00} - XXXX XXXX XXXX XXXXXXXX, Wednesday XXXX XXXX  21. CANCELED - Amount = {$50.00} - XXXX XXXX XXXX XXXX,  Wednesday XXXX XXXX  22. CANCELED - Amount = {$50.00} - XXXX XXXX XXXX XXXX, Wednesday XXXX XXXX  23. CANCELED - Amount = {$50.00} - XXXX XXXX XXXX XXXX, Wednesday XXXX XXXX  24. CANCELED - Amount = {$300.00} - XXXX XXXX XXXX XXXX, Wednesday XXXX XXXX  25. Amount = {$120.00} - XXXXXXXX XXXX XXXX, Wednesday XXXX XXXX  26.Amount = {$50.00} - XXXX XXXX XXXX XXXX, Wednesday XXXX XXXX  27. Amount = {$50.00} - XXXX XXXX XXXX, Wednesday XXXX XXXX  28. CANCELED - Amount = {$390.00} - XXXX XXXX XXXX, Wednesday XXXX XXXX  29. CANCELED - Amount = {$390.00} - XXXX XXXX XXXX, Wednesday XXXX XXXX  30. Amount = {$60.00} - XXXX XXXXXXXX XXXX XXXXXXXX, Wednesday XXXX XXXX  Total Payments = {$2200.00} Total Showing Available on CashApp for Cash - Out = {$2000.00} TOTAL MISSING - {$200.00}
Consumer complaint received 2020-04-03
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. (MI)

I ordered a product and opted in for biweekly payments to be debited from my cashapp card, the company did not provide the product that I paid for and I would like my 2 payments that was taken off my card returned, I have tried to contact cashapp but there is no proper channel to resolve the issue, the company named XXXX took ( 2 ) {$67.00} payments from my card and they refuse to provide the product or refund my money.
Consumer complaint received 2023-10-10
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Harley Davidson Financial Services Inc (MS)

HARLEY DAVIDSON FINANCIAL keeps putting a new account and account balance on a debt that was included and discharged in a bankruptcy and title has been released. 

XX/XX/XXXX a petition for bankruptcy was filed that included the loan for HARLEY DAVIDSON FINANCIAL, the loan was paid off for full amount through the bankruptcy and discharged in XX/XX/XXXX. HARLEY DAVIDSON FINANCIAL released the title to me and the motorcycle has been sold. Due to the debt being over XXXX years old it had been removed from all XXXX credit reports at which time HARLEY DAVIDSON FINANCIAL reported it back as a new account being opened with a balance. I have disputed the account numerous times with the credit bureau, and they remove it just to have it reposted by HARLEY DAVIDSON FINANCIAL. I have spoken with HARLEY DAVIDSON FINANCIAL on XXXX separate occasions and have been told that it should be removed and not be reposted and that they would take care of it. The new account being posted has negative remarks and drops my credit score by XXXX points each time, due to debt being discharged by a bankruptcy no negative remarks or actions are supposed to be posted on credit reports and HARLEY DAVIDSON FINANCIAL is repeatedly doing so.
Consumer complaint received 2022-09-21
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (FL)

I went to a MatressFirm located at store XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX on or about XX/XX/XXXX to buy some mattress, I decided to purchase it, at the time of check out, the sales associate offered me to finance the purchase which I did. He ran my credit and told me I was approved through Syncrony Bank. Great news, after the very first month, I noticed that the statement wasn't coming to my home. I tried to log in and my user was changed. I had to call to gain access again, when I called they told me that there was another registered address and another email address, I reported that and the fixed everything. On the following month I received the statement with a lot of additional charges, everything was ordered online. I reported that to Syncrony bank on XX/XX/XXXX. Every time I was changing and putting the correct information, somebody was logging in and changing it back and ordering from my account. I reported this to my credit buraus and also to Synchrony bank SEVERAL times, I also frozen all my credit profiles. Since then, nobody at Synchrony was able to give me a real solution, every month I was getting different invoices with different amounts, credits, charges, they even send me money back ( please see attached ) I got a zero balance statement as well. At one point I paid what they told me it was mine to just put the account in ZERO and closed it, I paid XXXX on XX/XX/XXXX and even after that they keep on sending me new bills. They sent me a zero balance statement one more time and when I thought everything was clear, they started reporting my credit and again they started sending me new bills. I asked them several times for a complete detail of my payments and charges, they were never able to send me this. 
At this time, I being completely hurt by them reporting my credit without showing me a completely detail or why they are charging me. 
Also, you can see that they have been transferring amounts and nobody can explain that and why, not even why they send me a check and a zero balance statement.
Consumer complaint received 2022-02-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION (VA)

I had filed before the case was closed for lack of evidence. Documents had been misplaced. XXXX XX/XX/2020. 


I called SunTrust in XXXX XXXX. I spoke with XXXX XXXX XXXX XXXX XXXX with SunTrust Bank. I contacted Sun Trust for a case number the bank was not forthcoming. Making several attempts to no avail. 
I was using the XXXX XXXX XXXX XXXX as a payee from XXXX XXXX XXXX I was doing this voluntarily due to an XXXX XXXX 
Funds are dispersed to clients with another check, see documents enclosed. 
I allege XXXX and Sun Trust of actively defrauding vulnerable XXXX persons including Local, State, Federal governments. XXXX XXXX XXXX XXXX XXXX client. I have an account with SunTrust through the XXXX XXXX XXXX but when SunTrust looks it up under my social security number they can't find anything. 
Finding that all Social Security Administration recipient 's funds reside in one primary account. 
On more than several occasions request for funds was denied by XXXX.
Consumer complaint received 2023-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.
Consumer complaint received 2022-09-21
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. (TX)

I have made several disputes to Equa-Fax about the reporting of my monthly payments to my XXXX Account. I have checked my account on several occasions and see that they have not updated my account to make it current as of XXXX. They have failed to report all my payments. I spoke with XXXX Representative XXXX XXXX XXXX this morning and she stated that they have reported all of my Payments up to XXXX when XXXX has reported it to them.
Consumer complaint received 2023-08-16
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. (TX)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-09-21
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. (MD)

In accordance with the fair credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section A 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2023-08-16
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. (VA)

In XXXX I sent a letter to Experian, and received no response, nor received any indication of investigation of these erroneous accounts that are on my credit report. This inaccurate information affects me daily, and is affecting my ability to remain employed and secure housing. I have reached out to Experian over and over again, explaining that there are gregarious errors within my consumer report, and time and time again they do nothing. I can not stand for it no longer and need someone to step in and step up to these bullies! Please help me reclaim my rights! This is not fair and prejudicial to continue to display this information that is not mine.
Consumer complaint received 2022-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Selene Holdings LLC (FL)

Selene Finance LP, until XX/XX/2022 was my mortgage lender and has repeatedly reported wrong information about my loan to the credit bureaus affecting my XXXX score. In XX/XX/2022, I made my mortgage payment to Selene Financial LP as usual and on time, in XX/XX/2022 Selene Finance LP, incorrectly reported me to the credit bureaus as not making my mortgage payment for the month of XX/XX/2022 and being delinquent. After making a complain and sending multiple disputes 45 days later Selene Finance LP admitted their mistake and notified the credit bureaus of the error they made. Today, I am making another complaint because Selene Finance LP bad quality of service has affected my credit report once again. My property/loan in question was sold in XX/XX/2022, since XXXX of XXXX the balance of the loan is zero. During the month of XX/XX/2022 Selene Finance LP reported to the credit bureaus that the loan was sold and the balance was zero. On XXXX XX/XX/2022, Selene Finance LP incorrectly reported to the credit bureau that the balance of my loan was now XXXX $ even though I don't have that loan anymore and was reported a month before as the balance being zero since the property was sold in XX/XX/2022. Because of the high balance being incorrectly reported to the credit bureaus as if I still had a Loan with Selene Finance LP my credit score went down by XXXX points. I am in the middle of purchasing a property and due to the huge mistake done by Selene Finance LP, I cant proceed with my purchase until the credit is fixed. How many more times is Selene Finance LP going to affect customers???
Consumer complaint received 2022-09-21
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: LJ Ross Associates (MN)

A collection of {$90.00} showed up on my credit report on XX/XX/XXXX for an unpaid XXXX XXXX bill in XX/XX/XXXX. I quit claim deed and was no longer the owner of the property in XX/XX/XXXX. Apparently the tenant of the property did not pay their electric bill in XX/XX/XXXX and XXXX XXXX  filed the collection against me and sent to collections through L.J. Ross & Associates. I filed a dispute with XXXX, XXXX and XXXX. Both XXXX and XXXX confirmed I was not the owner and deleted the collection from my credit report. XXXX has not deleted this collection from the credit report.
Consumer complaint received 2022-02-22
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: LJ Ross Associates (MI)

I have an account with L J ROSS ASSOCIATES IN ( Original creditor : XXXX XXXX  ) with the account number XXXX. The dates where it shows that I am late in making my payments were an error. I have not received any billing information from them or any notification stating that I am late. I have reached out to XXXX Bureaus and furnisher but I have not received any forms of response from both parties. Thus, I am sending this complaint to seek help and assistance for me to have this account updated into positive and remove all the late statuses.
Consumer complaint received 2022-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

CFPB + Experian, On my XX/XX/2022 Experian credit report I noticed there are XXXX unauthorized credit inquiries on my credit report - including XXXX twice, XXXX XXXX XXXX twice, XXXX XXXX XXXX times, and others. 

Attached to this complaint is : - my drivers license - my mailing address - my social security number- my complaint letter - XXXX screen shots of where they are located I would like these XXXX unauthorized credit inquiries removed asap as its damaging my credit.
Consumer complaint received 2022-09-21
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. (PA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 



15 U.S.C 1681 SECTION 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.