davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Block, Inc. (FL)

On XXXX received an unsolicited business debit XXXX from Square , Inc in the mail under my name and business name XXXX XXXX XXXX XXXX XXXX, with which I have no current or past affiliation. Immediately called Square , Inc and received a case number. They were also made aware that alerts had previously been recently placed with all 3 credit reporting bureaus due to prior attempted ID theft, with inquiry as to how Square , Inc could therefore allow this to occur. Square , Inc representative could provide no information or assurances, stating that someone would follow-up, which never happened, even after my properly executed, tracked written request as a victim of ID theft ( with photo ID, copy of law and police report case number ) to their compliance department was received. I also requested a copy of their remediation policies at that time, again without response.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

It is so distressing and you have no idea how bad it is, Im an honest man working my way off honestly, then I look at my credit report all I see are false, incorrect and inaccurate information being reported under my name. As a consumer I know I have rights and protections but that seems to be a lie and I want to uphold that right under the law as long as I can even though it is already impacting my life and credit negatively and I need your help to set things right, sick and tired of living paycheck to paycheck with my credit applications being denied because of these errors.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: LEXISNEXIS (AL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-06-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (TX)

I did not authorize a few Cash App transactions. There was a {$27.00} transaction that was made on XX/XX/22 at XXXX that I did not authorize. There was another {$130.00} transaction that was made at XXXX on XX/XX/22 by the same user. Also, there was a {$200.00} was a receipt from XXXX that didn't even go through because I was told Cash App was down at the time. The person that scammed me made it seem as though she would deposit into her Cash App for me and wire me the money through to Cash App. However, she never did. I was defrauded by this person by both wire & check fraud with a 2-day timespan.
Consumer complaint received 2022-06-27
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: Block, Inc. (WI)

I was supposed to get my taxes and I kept asking and didnt wanted to to give me my XXXX and now they trying to say I wasnt getting my money because I was being rude. Still havent got my money! Happened on XX/XX/XXXX n its XXXX!
Consumer complaint received 2022-06-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Block, Inc. (NY)

I have discovered that my cash app account was closed for no reason on XX/XX/2022. I have contacted customer support on that day and was told an appropriate team will contact me via email on how to resolve the issue I am experiencing. I have not received any communication back since then and no ETA on the email was provided. I tried opening up a new account but it appears I was locked/blocked. I am trying to get answers and to resolve any misunderstanding that might have occurred. I cant get any representative to assist me on the problem and frustration bestowed on me.
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC (OR)

In accordance with the Fair Credit Reporting Act, this collection agency has violated my rights under 15 USC 1681 section 602 ; states I have the right to privacy.

15 USC 1681 section 604A section 2 ; it also states a consumer reporting agency can not furnish an account without my written instructions. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX XXXX | May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists. Under 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 an is reporting an open account with a past due balance.
Consumer complaint received 2024-08-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TX)

A erroneous payment was deducted from my Wells Fargo account. I had the company that took the payment reverse the charge. For some inexplicable reason, Wells Fargo has no idea where my money is. In order to understand what happened, I asked for the policy that governs these issues. I spokew to XXXX seperate representatives who acknowledge a policy exists, but refused to provide the policy itself. They proclaim the policy I asked for is unavailable to the public because of " security ''. However, my request doesn't violate any privacy rights. I accepted the reply but asked for the policy that states they are prohibited from disclosing the requested policy. When refused this policy, I asked to file a complaint. XXXX refused to document my complaint verbaitim. He kept changing the words being dictated to him presumably, to cover any wrongdoing. As a customer, I have a right to know, and expect my XXXX institution to know where my money is at all times. If my money is not available to me, and the whereabouts are in question, it is considered stolen. I have a good faith reason to believe Wells Fargo is using deceptive trade practices to benefit from my money without disclosing its use. I would like an investigation done to determine what is happening to the money during the time it is unavailable to me. XXXX, XXXX, and XXXX were the representatives I spoke with. All of them were evasive with their answers. Wells Fargo is not being transparent. I need help.
Consumer complaint received 2022-06-28
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/2022 I received 2 payments to my cash app account. One payment was XXXX and the other was XXXX. I received a message telling me that there had been a payment sent to me which was the XXXX. The message also told me that I needed to accept this payment from the sender in order to complete the transaction. I accepted the payment and about 10 minutes after I accepted the payment I then receive a message that the payment had failed and that cash app had blocked this payment to me for my protection. This I don't understand and that's because cash app was unable to provide me any other information on why they felt I had to be protected from receiving my payment. 
If cash app had a flag on the individual that sent it to me then why is that person allowed to do any kind of business through cash app.!!! Also I received a XXXX payment on XX/XX/2022 just following the payment mentioned above and according to the Agent at cash app ( XXXX ) there was no problem with this payment and that it was available in my account to be used. I viewed the XXXX payment sent and my account showed me a XXXX! balance in it. I went to purchase something at about XXXX XXXX  the same day of receiving the money and the purchase was declined. I waited a few hours later and attempted to use the XXXX and that transaction was declined as well. This was gas money for me to get to work. I was unable to make it to work. I lost XXXX of income because of this. Cash App keeps you waiting for hours before you can get any assistance from them. You rarely ever get to talk to a human. The help they provide is by way of chat/text. This is not the first situation I have experienced with Cash App that I needed assistance in order to receive the money that someone sent to me. Each time is a a couple of days waiting period before anything is resolved. To send and receive money is the core of their business and they handle this as if they have no clue and definitely no urgency in processing a person 's money. If they are that busy where it takes 2 days or longer to assist a customer then why won't they hire more help to accommodate the the customer in a efficient time matter. 
My account name with Cash App is. XXXX XXXX XXXX The money I was trying to receive was sent from XXXX XXXX XXXX and the XXXX was sent from XXXX XXXX. As of this point I still have not been able to access the XXXX payment sent to me.
Consumer complaint received 2024-08-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Corp Solutions Inc. (FL)

I am writing to bring to your attention a concerning issue with my credit file. I have noticed a collection entry from your agency that I was not previously informed about. Additionally, I have serious doubts about the accuracy of the debt being claimed. Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Therefore, I kindly ask that you provide the necessary validation and take appropriate action to address this matter.
Consumer complaint received 2022-06-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (IN)

We sighed up for a Square , IncXXXX XXXX account in hopes to XXXX XXXX XXXX at a local garage sale. We opened an account at the bank to deposit credit card sales. We made credit card sales for {$240.00} that was never deposited Instead they withdraws {$720.00} from the account. The bank was able to pull the money back and the credit card sales were still not posted. We contacted Square and was told we were associated with an other account that had a deficit. For over XXXX weeks we have talked with Square and they are unable to tell us how we are associated with the other company and they refuse to deposit our charge card sales due to the deficit of the other company. 

( Please see attachment for further details )
Consumer complaint received 2024-07-16
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. (FL)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-15
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (TX)

The categories aren't valid for this case. I submitted a request a year ago to have my title updated with Genesis Finance USA and paid to have the update filed with the XXXXhave a new title sent. I changed my name and needed the title updated with my correct name. Someone with Genesis Finance deleted my request the same day it was submitted, but it's " stuck '' on their website and I can not resubmit it or request the same thing again. The service rep offered that I could email my documentation, which is unacceptable because email is not secure. They also said I could request this through the XXXX, but my state XXXX takes hours on hold if you can even get a person at all. I do not have that kind of time. They have given me no valid recourse and refused to update my title.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly appreciated.
Consumer complaint received 2024-08-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NY)

In brief, my wife was taken in by a group that went through a lot of trouble to make her believe she was being interviewed by the hiring manager of a real company and had subsequently been hired. Throughout the process, they provided her with a check to deposit which was to be used to purchase supplies needed for the job. The check ended up being fake but before we realized it, before it bounced, the hiring agent had my wife make purchases with " vendors '' they work with using XXXX and XXXX accounts. The check bounced and the bank ( USAA ) refused to put a hold on the money that was transferred out. They now expect me to come up with the {$4900.00} to XXXX  out my savings account. 
I have lots of evidence ( screenshots and the like ) of how this fraud was committed. The timeline and our actions demonstrate that we were the ones who were taken advantage of. For the bank to allow these scam artists to keep the money, when they can reverse or stop the transaction, I believe makes them culpable in the fraud. If I had written someone a bad check I would be punished. In this instance, we were given a bad check and we are being punished. Where is the justice?
Consumer complaint received 2024-07-16
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. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MOHELA (CA)

Dear MOHELA, I am writing in response to your recent communication regarding an alleged debt under my name, account number [ Account Number ]. As per my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide validation of this debt. ( In particular, I 15 U.S. Code 1692g ) request the following : Validation of the Debt : Please provide a detailed statement of the amount owed, including the original balance, any interest, fees, or charges that have been applied. 
a ) Please include the original contract, with the original creditor that has my signature. 
Assignment Contract : Please provide a copy of the assignment contract or any documentation that proves that your organization has the legal right to collect on this debt. This includes any agreements or assignments that show how this debt was transferred from the original creditor to your organization. 
Please consider this letter a formal request for verification and documentation of the debt. I expect a response within 30 days from the date of this letter. Until such validation is provided, I request that all collection activities be suspended. Lastly, let all future correspondence made available, be sent to the address listed above. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Exeter Finance, LLC. (GA)

I'm really disappointed because i can't believe that companies can just put accounts on my credit report that do not belong to me. I am really overwhelmed because these account are not mine. I have a busy life and I really haven't had the chance to view my credit report like should but when I am getting declined for credit because someone else 's accounts are reporting on my credit report. Not to mention, I have asked these company 's for over a year to send my proof that the accounts that they are reporting belongs to me and I still haven't receive this evidence. I am reaching out to you so that you can assist me. These company 's are taking advantage of people like me. I have asked for proof and nothing has been done. How can these companies not respond to my request and this be legal. I would like these accounts removed from my credit asap. 

Accounts that are not mine : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Services Inquiries : XXXX XXXX, XXXX XXXX XXXX, XXXX Incorrect Address Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-15
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC (WI)

Agreed to fixed rate APR ( HELOC ). Loan Payment Amount and Fixed APR were correct until the Sale of Loan to new Lender. APR changed from fixed to Variable by new lender in addition to new fees and loan servicing costs. Called Lender to report incorrect loan information. Lender stated they did not underwrite loan and to contact original lender for clarification. Called original lender who stated not able to help b/c loan is not serviced by them and access is restricted and to resolve with current lender. Within +\- 30 Days after reporting to current Lender, the Loan was sold again. Upon receiving this information I called the new Lender who stated they werent the Original Loan Company and have no records of inquiries or discrepancies made on this Loan. This Loan transaction was recorded by the original lender at the time of agreement. It outlined the Loan details ( Fixed APR, Loan Length, Amount to Close, Next Steps, etc ) for documentation purposes. I was required to state my name, date of birth, and reply to questions with a yes/no response.
Consumer complaint received 2022-07-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc. (PA)

On XXXX XXXX, I received a text from a friend advising me that she sent me {$2400.00} as a test transmission when trying to set up a Cashapp account ( see attachment ) and to please send the money back to her. I was alarmed to receive the email and called to verify with her that the text was legitimate and actually came from her. She verified that she did send the money and also sent the request for the return of the money. She said she was on the phone with XXXX and they were helping her set up her Cashapp account. I told her I thought it was a scam because XXXX wouldn't help her with that but she insisted it was not a scam and to send the money back. At that point, I went into m Cashapp account and saw where she did send me {$2400.00} which I immediately sent it right back ( funds never left my Cashapp account, see attachment ). She informed me the next day that the funds never went back to her account and she was scammed. I advised her to contact her bank ( XXXXXXXX XXXX  ), file a police report and the state Attorney General to try to get her money back. On XXXX XXXX, I received a text from Cashapp informing me that my friend filed a dispute with her bank for the {$2400.00} and they were refunding her the money from my XXXX XXXX XXXX XXXX account ( see attachment ). They withdrew {$2400.00} from my account without reviewing the transaction, my authorization. I never removed the funds into my bank account and sent the funds back t my friend via Cashapp. They have basically stolen my money in order to reimburse my friend for her negligence and allowing herself to be scammed.
Consumer complaint received 2024-08-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

I mobile deposited a check from my employer, the check was cash late and the employer let me know there werent enough funds in the account anymore. I called the bank and asked them to reverse/deny the check for this reason as it was still being processed. They said to have the employer reverse the check or to wait until Friday to do anything when it clears and send the money back. I called on Thursday because my account online showed restricted and the lady on the phone told me my account was being closed solely based on her opinion that the check was fake. The check was not fake it was registered back to the original checkbook and payroll by check number. I still have the physical check. After just one persons opinion of a picture she closed all my accounts and froze access to my money without letting me get a second opinion on the check with a manager who knows what theyre doing. The check is very much real and my accounts are closed wrongfully.