davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I applied to an apartment complex on or about XX/XX/XXXX and this complex utilizes TransUnion rental screening. I was told that I was denied because my score did not meet their requirements. I was told that the score that was being given to them was at least 40 points different from what I received when I pulled my credit report from XXXX XXXX. I was given a number to call so I could be given the next steps to verify the information on file was correct. I was told I needed to put it in writing what I am requesting and also submit a copy of my photo ID. My first initial request was XX/XX/XXXX and since that time I have been given the run around about why I have not received my report. I have been told that they did not receive the letter or the ID to they are working on my request to they have up to 30 days to provide me with what is contained in my report rental or otherwise. I continue to receive letters under the guise it is my consumer report stating that I need to submit a copy of my ID as well as a written statement of what I am requesting. I just want a copy of what was provided to this apartment complex because I know it is erroneous.
Consumer complaint received 2021-11-15
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. (OK)

XX/XX/XXXX XXXX There was a gas transaction initiated at the pump, Which put a {$75.00} hold on the card, but before the transaction was started, it was canceled at the pump, at {$0.00} I then made another transaction conpleting a gas purchase It appears it was XX/XX/XXXX when I 1st noticed that the {$75.00} was never put back into my available balance by available abolence, after looking at it, it was no longer marked pending, in fact it was marked completed I contacted cash app That is when they referred me to contact XXXX XXXX XXXXXXXX, the gas station where the transaction took place, I then contacted XXXX XXXX  XXXX, was able to speak to a representative who has encountered the situation with cashapp previously, he sent me documents confirming that the transaction was closed out with a {$0.00} balance from XXXX XXXX  XXXX, very shortly after the transaction was 1st initiated. I then reached back out to cash app relax relaying the information from XXXX XXXX, also submitting copis so submitting copies for verification And have continued to get the run around with robotic responses An avoidance of finding a resolution, I have continued to be passed on from representative to representative from representative to representative to representative to representative over and over, i was given a case # XXXX And have repeatedly been told that they have escalated my case to the proper division, it's division, but when I try to reply through email I get a response stating we closed your case because the response was provided and it's been more than 3 days since we've heard from you, there was never any response necis any response necessary or even an email for me to respond to, adding to their avoidance and closing a case that is obviously not is obviously not resolved
Consumer complaint received 2018-05-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (AZ)

First transaction for a balance transfer loan for 21 months with zero percent interest was taken out in XXXX with payoff due XX/XX/XXXX. I always paid much more than the minimum payment due. 
I was considering taking out another balance transfer loan and asked a representative how my excess payments would be applied. I was told that once the interest was paid, the principal would be split evenly on both loans. So on XX/XX/XXXX I did another balance transfer loan at 1.99 % until XX/XX/XXXX. 
On XX/XX/XXXX I called to find out the balance on the original zero percent transfer to be sure it was paid off timely. I spoke first with XXXX who told me that I could not pay off the zero percent loan until the 1.99 % was paid off. She transferred me to XXXX XXXX, a supervisor from the Missouri office. He told me to pay the zero percent balance of {$700.00} on the XX/XX/XXXX. ( Note that my payment was due on the XXXX and I was not comfortable with him telling me to be late - so I spoke called another rep on XX/XX/XXXX. ) This time I spoke with supervisor, XXXX ID # XXXX and he told me that the loan payoff for the zero percent transfer was {$670.00}. I paid {$670.00} per his instructions on XX/XX/XXXX. 
Again I decided to speak with someone to be sure that paying the {$670.00} was correct. 
On XX/XX/XXXX I spoke with XXXX, a supervisor, who told me that the only way to pay off the zero percent transfer was to pay off the entire balance - both loans. 
I was so angry for being given misinformation so many times, that I did just that! I paid off the entire balance. 
As a consumer who is concerned for paying my bills on time and for the correct amount, I found the number of " supervisors '' who gave me misinformation disgraceful. How could I depend on their explanations and advise when half of the representatives that I spoke with were wrong? 
I have since come to understand that according to their rules, the " interest '' loan would be paid before the " zero interest '' loan. That part is ok. 
My concern is all the misinformation I was given. If I followed the initial advise of XXXX XXXX and paid my bill on theXX/XX/XXXX, I would then have been in default of the zero percent contract and been obligated to pay 21 months worth of interest on the original loan! 
There needs to be better oversight and training for the representatives who speak with consumers. WE DEPEND ON THEM!
Consumer complaint received 2021-10-31
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Block, Inc. (CA)

On XX/XX/2021 in the evening I received a Cash app debit card in the mail that I did not sign up for. I tried to contact Cash App but they were not available as it was in the evening. I called on XX/XX/2021 and spoke to someone named XXXX. He sent me a link to upload images of the card and stated he would use this information to disable it ( or forward it to someone who would review and do so ). I immediately forwarded the information and have never heard back. I emailed XX/XX/2021 to follow up and did not hear anything. On XX/XX/2021 I received a follow up email asking for a lot of information I would have been happy to provide earlier but was instead asked to submit pictures. I have responded to the email but I feel they make it incredibly difficult to contact them and take a very long time to respond.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Encountering an error suggesting a late payment on my account is unsettling, particularly because I have consistently adhered to payment deadlines. This inconsistency is generating unnecessary stress, and I implore you to swiftly rectify the situation by updating my records accordingly.
Consumer complaint received 2021-10-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc. (NM)

XX/XX/XXXX, {$2600.00} transferred out of my account via instant transfer to card XXXX Same day {$39.00} was refunded for transfer not being made instantly XX/XX/XXXX, my bank sent back {$2500.00} was sent back to my account as a chargeback. I was told that it could take up to 45 days to be credited XX/XX/XXXX, my bank spoke to your process partner XXXX that {$2500.00} was processed by them but they can't see where it went only cashapp can. My bank spoke to them on XX/XX/21. 


XX/XX/XXXX, was the 45th day and my money {$2500.00} still hasn't been credited into my account. 


Reference # XXXX Tracing # XXXX This is my banks reference and tracing number of the charge back sent to my account. 

My bank has explained to me that cashapp has my money of {$2500.00} as of XX/XX/21. XXXX did process the funds on that day.. 
XXXX needs to be contacted to manually credit my account with cashapp. That has to be done by cashapp.
Consumer complaint received 2023-07-15
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. (MI)

I went to XXXX XXXX and never received a XXXX  the school was closed down and found guilty of fraud in 2016 I am not responsible for this alleged student loan and its pulling my credit score down tremendously.
Consumer complaint received 2018-05-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

XX/XX/XXXX To Whom It May Concern, I would be very grateful if you would kindly delete my credit card from the record. The credit card has been paid in full plus any applicable late fees. In the end you made a lot of money from me. 
As your record indicates, I have dealt with the XXXX of my brother in XX/XX/XXXX and my life required a lot of work and change to get where I am now. I left a job and moved home from XXXX to XXXX to be near family. We are in a much better place emotionally and financially now. I continue to pay my credit card on time and have a small balance now. 
As I am sure you are aware, having a good credit score is important for many purchases in life. I would be very grateful if you would please ask the three credit agencies to remove any derogatory remarks, namely the late payments that show and/or anything else that would negatively affect my credit score. If you cant do this : DELETING THE ACCOUNT is entirely fine, as it is up to you to report ( stated before by previous cc mentioned ). 
I have included the obituary of my brother. This information should be in my profile, because I did call at the time to indicate I was going through a literal XXXX and needed your understanding and leniency. 
Thank you for being apart of the rebuilding after the hardest event in my life. 
Kind Regards, XXXX XXXX Link to brothers obituary XXXX XXXX XXXX XXXX
Consumer complaint received 2018-05-27
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: BARCLAYS BANK DELAWARE (CA)

On my bank statement from XX/XX/17 to XX/XX/17 I observed 4 charges that I did not recognize and therefore I wanted to dispute them. The fit time I called the bank Barclay they asked a few questions and they determined that the charges were made by me. 
They advised that they were able to verify that the transactions were made by me therefore they will not initiate a dispute investigation event that is a violation of my consumer rights. Barclays can just assume because I am the cardholder all the transactions were made or authorized. Out of the 4 charges I have dealt with 2 vendors in the past but the charges that appears on my statement were not made nor authorized by me that I can recall. If the charges were made by me I demand from the bank to prove me with a voucher form the vendors on the amount of all 4 charges along with my  signature. 
I have requested to escalate this issue with upper management at the bank and I was told that someone will contact me back since the first time I contacted to the bank and as of today I have not received a phone call from anyone at the bank.
Consumer complaint received 2021-02-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIFTH THIRD FINANCIAL CORPORATION (CO)

Every day for the last two weeks Fifth Third bank calls from number XXXX between XXXX. They never leave messages and often do not respond back when I answer " Hello '' When I finally spoke with the caller one day last week, they requested personal information from me including my DOB and last four of my SSN. When I asked them why they needed it, they said it was for verification of contact information for an auto loan which my wife and I have for her car. They said alternatively I could give this information at one of their branches. I said " fine, I don't give that information out over the phone, especially for the stupid reason which they stated. '' They already have all of the required information from us. We are current on this loan, have never missed a payment and have an excellent credit rating. These calls need to stop.
Consumer complaint received 2021-10-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (VA)

I had 16 unauthorized charges from XXXX  post to my CashApp card on XX/XX/21 from XXXX XXXX  to XXXX XXXX  totaling {$2200.00}. There were 9 charges for {$100.00}, there were 5 charges for {$210.00}, there was 1 charge for {$85.00} and the last charge was {$150.00}, completely wiping every last XXXX from my account. I contacted CashApp immediately because these were unauthorized and still showing in pending. They were charged to XXXX  in XXXX, MA XXXX miles from me in XXXX, VA while I was sound asleep. CashApp said to contact merchant, and that I had to wait until these charges posted to my account as cleared and paid before I could dispute them. I asked for contact information to contact whomever the charge was and they gave me XXXX XXXX, even though it says " XXXX  ''. I said " wasn't that proof it isn't valid, if the company, and phone number and website are all 3 different and there were multiple rapid identical ammounts charged within 6 minutes, didn't all of that SCREAM FRAUD??? '' I asked for contact and account info for where the money was going and they said they could not provide that info to me, that it was against privacy laws. Wait, what? But if its a legit account with Target that info should be public, right? I called the Target in XXXX, MA, where the charges appeared to from in pending and they are already aware of the problem because they've been getting these calls for the last 2 to 3 weeks!!!!!! But nope, they won't issue a statement that they are not holding these funds, and nope they can not provide me with any information about how my card number was compromised on their website. I do not have a XXXX  credit card or exclusive member account, but I did buy a xmas tree on XXXX on XX/XX/XXXX and a XXXX XXXX tree the same XXXX  website on XX/XX/XXXX. XXXX  store manager in XXXX, MA, XXXX, AND the corporate office at the number she gave me to call both acknowledged to me that they know their site has been hacked and that they'dbeen getting these calls for several weeks. They stated they were positive it was a breaxh with CashApp and recommended I delete my CashApp app immediately and stop using it! 
Meanwhile, CashApp obviously knows they've been hacked too since this is an repeat of multipleaccounts over several weeks. 
Neither company will take responsibility and stop the funds tranafer or release the hold. They both should be held accountable legally.
Consumer complaint received 2018-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

I have disputed with Equifax on numerous occasions, the XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX, GA XXXX. I have never resided at this address. Equifax has responded on 2 occasions to my disputes in their reports dated XX/XX/XXXX ( Confirmation # XXXX ) and XX/XX/XXXX ( Confirmation # XXXX ) that they had indeed DELETED this address, yet when I pull my most recent report, Equifax is still reporting these addresses. 

I have never lived at this address, nor have I ever received any mail at this address. Equifax is deleting and reinserting this address and has NOT one time advised me 5 days prior to reinserting this inaccurate address. Again, Equifax has furnished me reports on two different occasions where they explicitly stated this address was DELETED! This address needs to be DELETED IMMEDIATELY & I NEED TO BE PROVIDED AGAIN ANOTHER COPY OF MY UPDATED REPORT REFLECTING THIS DELETION! 

EQUIFAX DOES NOT HAVE THE RIGHT TO RE-INSERT THIS ADDRESS ON MY REPORT WITHOUT GIVING ME 5 DAYS NOTICE -- -- THEY DID NOT AND CONTINUE TO DELETE AND REINSERT EVEN AFTER THEY STATED IT WAS DELETED.
Consumer complaint received 2021-10-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (FL)

On XX/XX/XXXX I contacted Cashapp via their chat support through their app. I submitted a dispute for a hotel stay I booked, but had to leave and did not stay because of the condition the room was in. The room advertised was not the room I was put in, was infested with roaches, and was under construction. XXXX XXXX, XXXX XXXX XXXX FL. I explained this in the dispute form. Since then I have asked 10 different dates for a status of the dispute, eight of those ten times I received auto responses stating they have escalated my dispute. Those dates are XXXX. The dates on XX/XX/XXXX are correct twice that day they said they escalated my dispute. On XX/XX/XXXX however prior to XX/XX/XXXX I received an email stating my case was closed because a response was provided or they have not heard from me in three business days. 

Lets back up a second, first they did not inform me this would go beyond the ten days for resolution, so they did state they had 45 days, yes that is true my 20 years of banking I do know that, however they did not offer or say they would provide me provisional credit for the time being. Correct me if I am wrong but does not REG EE state an institution can go beyond the 10 days I think it is to 45 days provided they offer provisional credit to the customer? I have no such offer. They have still not resolved this and all I got is auto responses most of the time, responses from real agents but you can only communicate through chat. It takes two hours for them to respond, by then I am off to something else, by the time I read the message they left the chat box having me to start all over again. Their practices should definitely be reviewed, I know for a fact they should be in violation of federal regulations. Finally they responded with the response provided from the merchant citing, " the hold off debit card was removed, so we ( we being cashapp ) are not sure what is the issue? '' How about that was never my issue to begin with, how about they read the dispute and know what it is the process they have in place. If I am able to upload the chat box conversation just be prepared to be mortified on how they handle these disputes. 
The Cashapp reference number associated with my claim is XXXX
Consumer complaint received 2021-10-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (FL)

I downloaded Cash app a device app to help me with my investments buying stock that was linked to my checking account. In the past I deposited money to buy stock. However today my cash app account was blocked because I went over the trading limit. I called cash up at XXXX to advise them what happened to my account I gave the cash tag user ID also the asked me to download a picture of my drivers license to verify mi identity etc so they can unblock the account. Within minutes they started to transfer money from my cash app account and my bank account to unk accounts. They have stated that were doing tests which was a lie. All together they have stole about adding it up about {$4000.00}. I am really upset. Spent the whole day with this company trying to retrieve my account. I called the same number trying to get managers no one help at all. All them that I spoke to did give their names, obviously. Once I called them back they had no record of my cashapp Tag. However I do have the cash app card for proof and all the fraudulent charges on my account. I also saw hundreds of bad reviews from customers about this company stealing from customers and not providing the service that they were meant to provide. Cash app is the worst they should criminally charged. My money is gone.
Consumer complaint received 2018-05-27
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. (GA)

In XX/XX/XXXX, I retrieved my credit report and noted that XXXX XXXX XXXX ( reflected as XXXX XXXX on credit reports ) had inserted 4 derogatory accounts on my credit report. This company never sent any correspondence to me that would have informed me of any alleged debt they were attempting to collect. Further, by not receiving any correspondence from them, did not allow me to dispute the validity of their claim. to that end, I submitted a dispute to XXXX XXXX ( although the company was truly XXXX XXXX ), the address reflected was to XXXX XXXX. This too is a violation. If they are attempting to collect on a debt, then their name should have been listed and not the alleged original creditor. XXXX XXXX never responded. So I then sent a copy of the certified letter with return receipt to XXXX to verify that the company did not respond to my dispute letter and the entries should be deleted. The entries were deleted from XXXX. 

On XX/XX/XXXX, I again retrieved a copy of my report an found that XXXX XXXX   had reported these same 4 derogatory accounts, that do not belong to me, on my Equifax report. I disputed with Equifax but to no avail. Equifax responded well after 30 days only to state the accounts were verified. I submitted a response to their findings by inquiring as to how they were able to get a response from XXXX and my efforts were not successful as the company just blatantly disregarded my dispute. I then escalated this dispute to the CFPB against Equifax and at XXXX ( as it appeared on my credit report ). It took Equifax over 60 days to respond to the CFPB only to state that they would send a letter with the results from the investigation to me. Again, I received the same letter whereby Equifax stated the accounts were mine. 

I then sent XXXX XXXX another letter ( second attempt ) dated XX/XX/XXXX whereby I once again requested that they provide validation of these entries belonging to me. This letter was sent certified with a return receipt and to date, I have not received any correspondence from this company. Additionally, I requested that they provide a copy of the financial responsibility page for the accounts they are alleging I owe. Again, to no avail. This company is outright violating and continuing to violate my rights by reporting these inaccurate entries. These account entries DO NOT BELONG TO ME AND SHOULD BE DELETED FROM MY REPORT IMMEDIATELY! BOTH EQUIFAX & XXXX XXXX   ARE IN VIOLATION OF THE LAW!!!