davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (PA)

On XX/XX/2019 cash app allowed somebody to dispute charges with them that were fraudulent. Without further investigation on my end Cash app took the disputed funds out of my personal account, and never returned any of me emails I sent out through the app. I also disputed the fund with the my bank, and they couldn't help because of the type of platform cash app was on. They also stated since I had my card on the site I authorized the charge. I contacted Cash app on on XX/XX/19,XX/XX/XX/XX/19, and XX/XX/19. They replied one telling me " Ive passed your case along to a member of our Account Services Team who can help you further. You should hear back shortly. '' but I never heard back ever since. I think this is very unprofessional, it's left me in a deficit, and I will never promote this company again. This is so unethical.
Consumer complaint received 2024-09-01
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. (MI)

these accounts listed has violated the fcra by not following the right to privacy and also for not upholding the opt out of reporting to third party agency 's. also these creditors did not uphold the gramm leach bliley act. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-21
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: Financial Freedom Group, LLC (DC)

I have been working with DebtBlue to payoff some credit card debt and I wish to payoff my entire balance and also inquire about the terms of the current debt. After calling them and not getting a good response I sent them an email in order to maintain a written record. 

On XX/XX/2021 I sent the following email to XXXX : Dear DebtBlue, I would like to pay off my loan. Kindly let me know at the soonest : What is the pay off balance? 
What was the original principal? 
What is the APR? 
What are the instructions to pay off the remaining balance? 
This is my second attempt to contact you. I hope to hear from you this time. 
Many thanks, on XX/XX/2021 they responded : Hello XXXX, This is XXXX with DebtBlue. 
The amount to payoff your account will be {$2800.00}. 
{$2300.00} - to payoff your account {$500.00} - Fees {$1800.00} - Settlements {$30.00} Cushion = {$2800.00} If you have anymore questions feel free to call in at ( XXXX XXXX XXXX ext XXXX Thank you, XXXX at DebtBlue. 

Notice in the email they did not provide the all the information requested. In particular they did not explain how I could payoff the balance as I had requested. 

on XX/XX/XXXX responded : Many thanks. Please also confirm the original principal as I had requested in my previous email. As I also wrote in my previous email I want to pay off the full remaining balance ( {$2800.00} ). Please send me the instructions to pay off this remaining balance at your earliest convenience as I had also requested in my previous email. 

I received no response and sent a subsequent email on XX/XX/XXXX : Dear XXXX, This is my third attempt to obtain instructions on where and how to pay off my loan balance and find out about the APR. Is your lack of response a willful attempt to prevent me from paying off my loan and incur additional interest costs? Is your unwillingness to share my current APR an additional evidence of your lack of transparency? If I do not receive clear instructions on where and how to pay the remaining balance within the next 24 hours, I will consider the answers to be yes and will contact the CFPB. 

Regards, I have yet to receive a response to my inquiry. As my above email suggest and as their inaction demonstrate, I believe this is a willful act to prevent me from paying off my debt and continue to incur an unknown interest rate ( which they refuse to disclose ). Even the monthly statement lack transparency - most loan statements clearly stipulate the remaining balance and interest. I believe that this is not an isolated problem but a systematic deficiency in their lending practice that is intentionally deceptive in order to prevent consumers from paying off their loans or perform comparison shopping for a better rate. The consequence is widespread financial damage to the consumer.
Consumer complaint received 2021-02-22
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CITIZENS FINANCIAL GROUP, INC. (MO)

Citizens One Home Loans granted me a COVID forbearance which was to end in a payment deferral as of XX/XX/21. I resumed my mortgage payment as directed yet because their systems were not updated with the COVID forbearance information they reported me delinquent on XX/XX/21 which brought my credit score down from XXXX to XXXX. 

I was told the past due amount was added to the end of my mortgage and would be due at maturity. This was a government program where customers are told it would not affect their credit. They are reporting customers as delinquent when their program ends.
Consumer complaint received 2021-02-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC (MD)

In XX/XX/XXXX, I received a letter from ACI attempting to collect a debt for XXXX. As I do not have any outstanding debts with XXXX, I sent a letter requesting validation. In return, I received a letter from XXXX stating that I opened an account under email address XXXX on XX/XX/XXXX. This is not nor has it ever been my email address. XXXX refuses to speak with me directly regarding this false debt because I " am not the owner '' since I can't log into the XXXX account. I can not do that, because I don't have access to an email address that isn't mine. I refuse to pay something that I legitimately do not owe and for them to contract a collection agency to add to my credit profile is damaging, to say the least. I'm not sure how this account was created and if it was whether it was created with my name ONLY, or with my SSN or bank information. I do not understand how I can be held liable for debts that I. Again, I can not obtain ANY of this information from XXXX even though this is supposedly my account.
Consumer complaint received 2024-09-01
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. (NV)

In accordance with the Fair Credit Reporting Act under 15 USC 1692 ( G ) I am demanding that my rights be enforced by requesting that these companies provide me and the CFPB for a " Debt Validation Claim '' XXXX Cred Acct # XXXX XXXX Acct # XXXX XXXX ; XXXX XXXX Acct # XXXX XXXX. XXXX XXXX Acct # XXXX A. Please provide me the original signature that i agreed to on this contract for this creditor. B. Please send me a full detailed list of the payment history of these account. C. Has there been any Insurance claims filed on this debt ( Please provide ) D. Please provide me the chain of title that you have to collect on this debt.
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: Experian Information Solutions Inc. (OR)

In XXXX I took out a home improvement installment loan with XXXX XXXX XXXX to install solar panels on my home. The next year I sold the home but continued paying the installment loan. In XXXX my business failed and I was near bankruptcy. I decided to pay as much as possible to all existing debt rather than file for bankruptcy. I made an agreement with XXXX XXXX. and they charged off the remaining amount of {$6500.00} in XXXX of XXXX. In XXXX of XXXX I applied for a home loan to purchase a new house. I was denied and told I had credit concerns involving a past Home Mortgage loan. I have never missed a mortgage or rent payment in my life. 
I called and found that XXXX XXXX reported to the credit bureaus the home improvement installment loan, but the XXXX report FALSELY labeled the loan as a Real Estate Loan/Mortgage loan. I asked XXXX XXXX to fix the error. They sent a detailed letter to the credit reporting companies telling them it was a " Home Improvement Installment loan. '' They apparently ignored the letter and nothing was changed. ( see attached response from XXXX ) This error will prevent me from qualifying for a home loan for 4-6 years!
Consumer complaint received 2021-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX Experian a incorrect/correct address dispute letter stating what address were incorrect and correct on XX/XX/2020. This letter was sent certified. Experian failed to update my credit report with correct address information stated in documentation.
Consumer complaint received 2021-02-21
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: EQUIFAX, INC. (NY)

To whom it may concern, Under 15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ; ( 2 ) In accordance with written instructions of the consumer to whom it relates. 

I XXXX XXXX never gave EQUIFAX, XXXX, XXXX  any written consent to report anything on my consumer report, No consent is IDENTITY THEFT.
Consumer complaint received 2021-02-21
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. (NY)

To whom it may concern, Under 15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ; ( 2 ) In accordance with written instructions of the consumer to whom it relates. 

I XXXX XXXX never gave XXXX, XXXX, TRANSUNION any written consent to report anything on my consumer report, No consent is IDENTITY THEFT.
Consumer complaint received 2021-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Self Financial Inc. (MI)

XX/XX/2020 is the start of the problem. I have tied to call and talk to someone I wasnt able too it said it had to be online chat and it hung up on me. I messaged thier Customer Service agents after that quite a few times and they never got back to me. One agent started a conversation and told me she would be able to help me and then never responded back to me. I have reported them over and over on my credit report after I have tried more then 5 times to close my account which they never did. It's a secured credit account in which is all my money in the account and they closed my account saying they need more information to verify my identity which I sent them multiple times my information which is very concerning giving them final personal information to begin with. Now my credit is poor after I have been trying so hard to get my credit up to XXXX now it's XXXX because of Self XXXX XXXXr ruined it.
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2021-02-20
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 (MD)

Over a year after receiving my Care Credit card and making payments, I reviewed all of my statements collectively and noticed a pattern of " Card Security '' fees. I don't recall opting in, but I was being charged monthly, plus interest. In my communications you will see that I also complained about the same issue with my XXXX  XXXX Store Card. 

On XX/XX/2020, I contacted Synchrony by XXXX, asking why they were charging me for this service. They responded on XX/XX/2020, explaining what the service was. I wrote back noting that my question had not been answered, and that I still needed an explanation. I was never given an explanation or evidence that I signed up for this. 

On XX/XX/2020, I was sent a message saying that they noted my request for cancellation and would be issuing a credit for the charges. The turnaround time was 7-10 days. Today I reviewed my statements and noted that I was never issued the promised credit, and that they have continued to bill me for the card security fee despite my cancellation. I have attached a PDF copy of our initial communication to this complaint, as well as copies of the statements that I have received post confirmation of cancellation. 

For reference, I have an {$800.00} limit on the Care Credit card. After over a year of payments, I currently owe {$740.00}. It should not be possible that I have only paid off a little over {$50.00}. In part because they have continued to tack fraudulent charges and interest onto the balance monthly, eating up almost half of what my base monthly payment is. There will be no way for me to get out from under these debts if they keep charging me for something I never asked for. 

We are in the midst of a global pandemic and people are losing jobs and experiencing reductions in pay. Fraudulent charges and collecting interest on top of it is absolutely unscrupulous. This is fraud. Especially when I have explicitly said that I didn't recall opting in, wasn't told when I supposedly opted in, and formally cancelled months ago. Multiple violations warranting legal action have occurred here. I was initially willing to give the benefit of the doubt and wait for the credit that was promised, but not honoring that promise and continuing to charge me for a cancelled service is not okay.
Consumer complaint received 2015-10-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (MD)

On XXXX/XXXX/15 I was charged with a high balance of {$1900.00} From XXXX XXXX XXXX XXXX, which was last reported on XXXX/XXXX/15. And on XXXX/XXXX/15 I was charged with a high balance of {$840.00} from XXXX, which was last reported on XXXX/XXXX/15. I 've never been affiliated with either creditor. These do not belong to me.
Consumer complaint received 2019-07-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (MT)

On XX/XX/XXXX, I sent money via CashApp to someone. The money quickly left my bank account as it is tied to my debit card. The next day, XX/XX/XXXX, the money was refunded via CashApp by that person as the transaction between the 2 parties was cancelled. I received a notification via CashApp that the money would reach my accound by Wednesday, XX/XX/XXXX. When the money did not return to my checking account, I reached out to both CashApp and my bank to attempt to resolve the issue. CashApp has been giving me generic responses with information that my bank can not use to track the funds. Today marks 5 business days that I was supposed to wait for the transaction and the funds are still not showing up anywhere on my end and they are not on the other end of the original party I sent them to. After reaching out to CashApp, there is no sense of urgency to solve the problem as they see it's now the problem of my bank. I am beyond frustrated that I am not getting any further with them and have no other information from them other than a " transaction number '' that is supposed to reveal where the funds are. My bank says otherwise.
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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX  XXXX XXXX Balance : {$460.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXX  XXXX XXXX Balance : {$500.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, you are reporting an incorrect past due amount. These are ALL violation please delete account Immediately. 

XXXX XXXX XXXX Balance : {$790.00} - Balance and payment history is Incorrect please remove immediately. 

XXXX/XXXX XXXX Balance : {$0.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed. 

XXXX XXXX Balance : {$0.00} - What method of verification did you use because you are still reporting inaccurate information, no documentation has been provided to me, nor has the status been updated? This account is a violation please delete Immediately. 

XXXX XXXX Balance : {$2300.00} - You have not verified this account because I can see the status hasn't been updated, you are still reporting inaccurate information, and no documentation has been provided to me. This account is a violation please delete Immediately. 

XXXX XXXX Balance : {$0.00} - This is not mine and I am requesting that you remove this from my credit report or I will execute an Identity Theft Affidavit. 

Chapter XXXX Bankruptcy XXXX - I need for you to send me the petition to verify this account. If you can not do that, then this needs to be removed.
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2019-07-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (CA)

Company name : Square. inc. ( Squareup ) My ID : XXXX Account name : XXXX I was small business owner planed to provide online divorce service as XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX, Registration # : XXXX. 
The business closed by Square. They hold my money without reasonable reason. They said their decision is final will never release my money to me, but refund to customers. 

The total stolen my money by Square is {$18000.00}. It's been 4 months already. Today I asked my money again with XXXX. They declined and told me their decision is final they will not release my money to me but they will only can refund. 

3 customers ordered for divorce services and paid court filling fees. These money hold by square with no reason. I contact them to release the money but they denied. 

I could not process legal service without money. I had to refund them from my own money because Sqaure hold the money. I had not enough money and it is these guys responsibility I used my owned credit card purchase using square to refund money to customers.However, It failed because these square people hold this transaction again. 

This square company greatfuly hold my credit card purchase too. And this their good reason to hold this money forever. I found out alot of square small business customers having similar issue. they never release money. and they use these money to but other company ( please XXXX square complain and acquisition ) Right after I complained about the holding. They distinctive my account. There were no record left. All my {$18000.00} was gone. I contacted them so many times then the account appears again. They intentionally tried to get my money because I guess my email account is foreign and it is easy target. 
They are holding my money without no reason ( there are no charge back ), dis-active, keep denying because I am sure they discriminate. This is illegal irrational and impossible happen in human world. 

I am keep asking my money back since fist day but the customer service is asking me to refund. I know and these square people know I can not refund these money because refund means loss all the money. I already refund them using my owned money to customers. Square know I will never refund.That 's why they are so bravely holding my money and keep use my money to something else. 

Help. I need my money back. Business closed. I am personally and financially damaged by square.
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.