davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I sent letters to the bureau requesting METHOD OF VALIDATION ( not verification ) concerning the bankruptcy listed on my credit report. The bureau did not respond to the first request, so I sent a second letter. The bureau sent me a notice saying it was verified with the original company ( repo. I did not request VERIFICATIONI requested METHOD OF VALIDATION. And the bureau is not telling the truth, because I have an official statement from the bankruptcy court that says they do not verify information with any credit reporting agencies. I have enclosed all documentation attesting to all of this. The bureau is in direct and willful violation of the Fair Credit Reporting Act.
Consumer complaint received 2022-05-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (DE)

The company name is Cash app there cash out service is by Square Inc. in XXXX XXXX I did my first cash out the amount of {$750.00} linking my bank account from XXXX to the app. Looks like this was successful but never reached my bank account. Tried again in XXXX XXXX for the amount of {$500.00} but never got to my bank account, verify and double check bank account number and routing and contacted Cash app support they opened a case and gave me the transactions numbers to reach out to my bank XXXX for them to open a investigation. On XXXX they couldnt fine any transactions for this numbers, when verifying all information in the Cash app side they linked a random card number to my bank account. Contacted my bank and asked if from my closed cards I have anyone ending in that and they we have no records of a card with that ending numbers for you. With the bank determination I reached out to cash app to escalate the investigation but the result was the same even when I told them theres a problem with a card you linked to my account and is not mine have never been, I never added a card to this app only linked it with my bank account. I have all proof of transactions, messages, emails and letter from cash app, bank and the cash app activity. Cash app refuses to keep looking after their decision and are not willing to give me a trace number of the transactions so my bank can look forward because the transaction numbers are not appearing for them. XXXX said that they are able to find the trace number of 15 digits in the back end but Cash App denied to have access to some that that is not the transaction ID number. How is that after this two transactions they fixed the card number and all cash out went directly to the bank account. They didnt want to admit that they send it to a card they just linked there own, because before this I never used any outside cards or bank accounts to this app, I only used to receive money and used the cash card that they provided to used the money in the app like a debit card.
Consumer complaint received 2024-09-30
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: CCF Intermediate Holdings LLC (CA)

I applied for a loan I never received and now the company is trying to take the money out of my account. The following are the dates and events to the best of my knowledge : - XXXX XXXX applied a loan in the amount of {$250.00} - XX/XX/XXXX loan was supposed to have gone into my bank account- XX/XX/XXXX called Cash Central; was told that the banking account information was wrong so the money could not be deposited ; I was to wait to hear back from them ; it should be a couple of days after they received the money back to them. I never heard back from them XXXX XXXX received an email that Cash Central would be deducting {$300.00} out of my bank account on the XXXX. ( The XXXX was a XXXX and Cash Central was closed. ) I had not heard anything from them until this point. ) - XX/XX/XXXX Spoke to someone about the situation. They told me to call my bank and ask for a letter stating that I did not receive the funds and they would be able to refund the funds since the funds were already coming out that day XXXX XXXX Called my bank. Explained the situation. They stated they did not legally write any letters and legally Check Central should not be taking out funds that they did not pay out to me. My bank stopped payment on the funds being taken out from Cash Central XXXX XXXX Received an email from Cash Central that they were not able to deduct funds from my account. 
XXXX XXXX Called Cash Central to explain the situation again. I told them the funds would not be deducted from my account, but my bank stated that their bank can contact my bank since the funds went so another bank account. I spoke with them and was on hold for about XXXX. I could no longer hold since I am a school teacher and had to attend to my students. 

Please help me with this situation.
Consumer complaint received 2022-04-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (MI)

My payroll check was never intended to go to my cashapp account, someone changed my direct deposit and had my check coming to a cashapp account that isn't mine the account number is : XXXX ( mines is XXXX ) Deposit Date : XXXX XXXX Deposit amount : {$1800.00}. I spoke with several representatives through cashapp and was hung up on, told to go through email that doesn't get a response, and then spoke with a representative that said I could email him then he directed me to a dead end. This had been going on for almost 2 weeks. Instead of sending my check back because the account isn't mine or in my name, they don't want to be accountable for having to pay for someone using the money once they noticed the check name and amount didn't match.
Consumer complaint received 2022-04-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Block, Inc. (IL)

For the third time, I received a debit card for an account that I had not opened from ( in this case ) Square. Although the card says " Issued by XXXX Bank '', which is a bank based in Ohio, according to XXXX Bank, Square uses XXXX Bank 's institutional identity to issue the debit cards but the accounts are opened through Square ( or Block as I believe it is now called ). In the previous two cases, I received debit cards from CashApp but this is apparently also through Square or Block. 

I have asked Square to again cancel these accounts but I keep receiving these new debit cards as if the accounts are still open. I would like to have written confirmation from Square/Block that they will not open any more accounts or issue more debit cards using my name.
Consumer complaint received 2022-05-22
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. (LA)

This person was selling shoes on XXXX via direct message. I sent him two payments separately of {$130.00} on XX/XX/XXXX for each pair of shoes and shipping. Both pair never arrived and after communicating with him for four days, I was blocked from the page ; after doing my of research I found out that the page of the fraud and my money was taken. I have proof of the transaction, messages from him, and I have actual audio of me being scammed. 

On XX/XX/XXXX I contacted CashApp because I paid him through them with proof of communication and everything between us, and they're telling me that they can not reverse the payment or do anything about this. I'm wondering why is it OK for me to use them as a bank, for me to store my money with them and a payment processor, but they don't protect me. 

They became very condescending and aggressive with telling me no and then I was out of my money which I completely don't think it's fair.
Consumer complaint received 2022-04-28
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (PA)

on XX/XX/2022 cash app locked my account due to 'fradulent activety ' but it was just me trying to cash out my balance back to my bank. I can now not access the XXXX in my account which is all the money I have. This is rdiclous. There customer service is also not helpful/to non exsitent. This is all the money I have and now I have none to pay for anything. I will do any step to prove my identity but I would like access to my money. They unlocked my account but then relocked it a minute later after I try reading my bank account to it.
Consumer complaint received 2023-03-13
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. (OH)

i have contacted the 3 credit bureaus numerous times about the accounts that need to be deleted are showing on my consumer report and every time they refuse they are breaking laws and damaging my reputation without my consent. -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. the accounts i am talking about are listed below : inquiries : XXXX XXXX accounts to delete : 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 2022-04-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (FL)

On XX/XX/XXXX I sent a deposit for services to a Cash App user named XXXX XXXX ( $ kimberlypenalver ). She did not provide the service so I requested a refund on XX/XX/XXXX. She has not granted the refund and I would like to report her for suspicious activity. Cash App has provided zero support to report this user, review their account for abuse, or restrict this users ability to continue her scams. It would be appreciated if Cash App would do more to protect users like me from rampant fraud.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX OlloXXXX XXXX XXXX XXXX Subject : Request for 1099-C Form and Clarification of Debt Status Dear Ollo/XXXX I am writing in regard to an account that you have reported as " charged off '' on my consumer report. According to the information you have provided to the credit reporting agencies, this debt has been classified as a charge-off. Under federal law, if this debt has been charged off and effectively cancelled, you are required to issue a 1099-C Cancellation of Debt form for tax purposes. 
Request for 1099-C If the debt has indeed been charged off and cancelled, I formally request that you provide me with a copy of the 1099-C form that was sent to the IRS for my records and for tax reporting purposes. Under Internal Revenue Code, 26 U.S.C. 6050P, creditors are required to issue a 1099-C when a debt of {$600.00} or more is discharged or cancelled.

Clarification of Reporting If you have not reported the cancellation of this debt to the IRS and no 1099-C form has been issued, this suggests that the debt may not actually be cancelled. In that case, your reporting to the credit bureaus is incorrect and violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, which prohibits the reporting of inaccurate or incomplete information on consumer credit reports.

Immediate Action Required I kindly request that you take the following actions : 1. Provide a copy of the 1099-C form for my records if the debt has indeed been charged off and reported as cancelled.

2. If no 1099-C has been issued, correct the inaccurate information on my consumer report and confirm that the account status has been updated accordingly.

Failure to provide the 1099-C form or correct the inaccurate reporting will leave me with no choice but to file a dispute with the credit reporting agencies and report this matter to the Consumer Financial Protection Bureau ( CFPB ), as well as pursue any legal remedies available to me under the FCRA. 
Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-10-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Complete Credit Solutions, Inc. (FL)

So there is a item on my report that I disputed numerous times over the past XXXX or more years. Each time they came back and statd that the debt is valid. However it is not mine. SO when I did some reasearch they stated that it was a employee debt from the postal service or something. However I am a nurse and have never worked at the post office. After XXXX years I figured it would be just better to let it fall off in time as disputing and sending certified letter did nothing. No one ever sent anything to me despite multiple letters sent to them certified requesting this information. But however this year i relaized that this derogatory item was going to prevent me from buying a home so perhaps if I asked them to settle the debt it would be over finally and it was worth a small amount of money to me personally to see it finally gone. So I contacted complete credit solutions directly not via the credit bureaus. I came to an agreement to settle the account the first offer letter they sent me proved that this was not my account as it had an address for me in XXXX. which to me was proof that it was not my account. I have never even driven through michigan much less lived at this address. They told me that that was the address they were given from the original creditor. WHo I also attempted to dispute the debt with. 
I have copies of all of this communication ( for the record ) SO I paid the XXXX. THey said it would slot my account for deletiong and to check my credit in XXXX month. I did that and all they did was deduct the XXXX from the amount due and it was not paid at all!!! much less deleted. 
THen to make it worse I had to fight through their phone email and being transferred to XXXX people over XXXX hours to find the person that made the offer to me and he remembered our conversation and said that it was thier mistake and he would escalate it to be deleted. This still also has not occurred. I find it infuriating that I paid money on an account that want even mine in the first place but then to have them not do as they promised made it worse. I have copies of all the communication as I had a similar instance of another company that said they would delete it in a settlement and also just now lists it as paid settlement not deleted as promised this is why I asked for it in writing this time. Please help me get this removed as I am trying to close on a home and it is a bi problem to my account score
Consumer complaint received 2022-04-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (FL)

XXXX  XXXX was bought out by XXXX. My phone was scheduled to stop working but stopped working over a month before that date. After calling multiple times, speaking with atleast 10 different people each time and being on the call for atleast an hour each time, they said they would issue a refund for the monthly charges as well as the data add on that I purchased. I received a refund for the data add on but never for the month of service. Everytime I tried to call back each person would tell me something different, most of them blatantly lying to me. So I disputed the transactions since I did not receive service for the month in which I had paid, I was promised a refund, did not receive it, then was lied to and told they never provide refunds even though I had already been refunded for the data add-on. I disputed the transaction on XX/XX/XXXX. I was told the merchant had 45 days to respond. Then I would receive a decision within 3 days following the 45 days if the merchant had not responded. I emailed them several times within the 45 days to see if the merchant ( XXXX XXXX ) had responded and they emailed me back the same day each time. Now since the 45 days then the 3 days have passed I have tried to contact them 4 or 5 time, both via email and through their in app support. I have not received any replies via email and when I contact their in app support they refuse to assist me stating someone will email me even though no one ever does. It has now been 60 days and I can not get anyone to assist me whatsoever regarding my dispute. I can not even get someone to respond to any of my messages or emails. I should have gotten a response with a decision without me needing to contact them in the first place. It has now become clear they are not going to proceed in closing out this dispute. So I need help resolving this matter since at this point I have done everything I can do. Also, I do want to add that I believe the information and timeline that were provided to me were inaccurate. I am not completely sure of this since I am not familiar with all of the regulation 's they must adhere to but it is something that I definitely think needs to be investigated.
Consumer complaint received 2024-10-22
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

On XX/XX/year>, under the FCRA, section 609, I certified postal mailed XXXX, XXXX, and XXXX, disputing item : XXXXXXXX XXXX XXXX XXXX XXXX, with a balance of {$4600.00}, listed on my credit report. I requested they provide contracts and/or a lease with my signature. They stated the information was verified by the Creditor, but they failed to provide the requested documentation or provide their method of verification. 

On XX/XX/year>, I certified postal mailed XXXX, XXXX, and XXXX, and stated that I believe my identity has been compromised, I have reported this issue to the FTC, and I have placed security alerts around my credit. I am requesting that these incorrect items be removed. 

On XX/XX/year>, under law 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). I certified postal mailed XXXX, XXXX, and XXXX, notifying them that credit item, XXXX XXXX XXXX XXXX XXXXXXXX, has failed to provide validated and verified documentation, within 30 days, to prove the item ( s ) are accurate. They stated the information was verified by the Creditor, but they failed to provide the requested documentation or provide their method of verification.
Consumer complaint received 2023-10-03
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: CREDIT ACCEPTANCE CORPORATION (TN)

I sent Credit Acceptance a " Debt Verification Letter '' by Certified Mail # XX/XX/23, asking for detailed " accounting information according to U.S.C Title 15 1692, U.C.C. These are some of the question I asked to be verified : Where is the contract, where me and you signed? Credit Acceptance ( YOU ) signed saying, said money was given to the debtor and by what form was the Federal Reserve Notes ( CASH ) attained by the borrower? Was the money ( CASH ) deposited into consumers bank account? Provide the date and time of the banking transaction? Who is the original Creditor on the account? 
XXXX. TENDER OF PAYMENT ; ( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an endorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. And ( c ). I have given Credit Acceptance my instrument signed, endorsed and paid to the order of them which they did not accept. Any time I receive and instrument " bill '', a negotiable instrument, addressed to me with my information by law I am the " holder in due course '' and I can pay to the order to anyone per CFR 328, U.C.C 3-301. I have sent their Indenture Trustee ( Computershare Trust N.A ) My instrument with my correct endorsement per the Fiscal Department with a 1099A, 1099C and I just e-file 1099A with the IRS, to the correct person. I have sent letters demanding that their communications be through certified mail as all my responses and correspondences are. I have done an Accord and Satisfaction no response per 3-311. ACCORD AND SATISFACTION BY USE OF INSTRUMENT. They charge me a down payment of {$1500.00}. they will not give it back. they refuse to send me a copy of my full contract. I have been asking for several months now. They kept deny me for a loan on a car and ran my credit score down so they could place a higher interest rate. The sticker price on this car was {$10000.00} and they charged me more on the car because of my credit score and the amount of inquiries that had hit on my credit report.
Consumer complaint received 2023-07-10
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. (TX)

On XX/XX/XXXX ( XXXX ) I received notifications from two of my banks that information on my credit report had changed. It appears that someone applied for one or more credit cards using my information. 

As of today, XX/XX/XXXX, the following is true : XXXX shows a hard inquiry on XXXX from XXXX XXXX XXXX XXXX Experian shows a hard inquiry on XXXX from XXXXXXXX XXXX XXXXXXXX I've made the following calls today, XX/XX/XXXX : To XXXX- they confirmed that an application had been attempted and said they would resolve the matter on my behalf, including a letter to the credit reporting agencies stating that the XXXX inquiry was not made by me To XXXX XXXX  XXXX- they were unable to provide any information on the hard inquiry. We agreed that my best course of action was to call Experian and dispute the inquiry To Experian- I successfully filed a dispute of the hard inquiry from XXXXXXXX XXXX XXXXXXXX and placed a fraud alert on my account. They recommended that I create a case with the FTC, which is what led me here to create this complaint.
Consumer complaint received 2024-10-22
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aargon Agency, Inc. (MI)

AS STATED I WAS IN MICHIGAN WELL BEFORE THIS DATE. Attached is the lease agreement starting on XX/XX/year>. I WAS IN XXXX XXXX XXXX  WELL BEFORE THIS DATE. This is not my debt as Ive stated MULTIPLE TIMES