davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-07
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. (NV)

This is my 11th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$5100.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$2500.00}
Consumer complaint received 2022-01-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (IL)

On XX/XX/XXXX, I received a debit card in the mail from Cash App for an on-line account that I did not open. As of today, XX/XX/XXXX, I have not been able to get this fraudulent account closed due to difficulty communicating with Cash App. My fear is that each day that goes by, this account is being used for fraudulent/illegal activities in my name. 

A copy of the debit card I received is attached ( front & back ). 

FYI - my personal info has been compromised and other attempts have been made to open credit cards or on-line accounts in my name. Alerts & credit freezes were applied to the three major credit bureaus in XX/XX/XXXX. I've also filed reports with the FTC and local police regarding all of these incidents.
Consumer complaint received 2022-01-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (NY)

Hi this app is not letting me have a account ever time I open one the close it saying I violated the terms and its a lie because all I do it get money from family members or send them I am not scamming or breaking any law they being unfair with me
Consumer complaint received 2021-12-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (UT)

On XX/XX/2021 {$800.00} was sent to my CashApp account. 

When I attempted to log in I was unable to access the account. After speaking with customer service they advised me to set up a new account and then they would be able to assist. 

Using the same phone number I created a new account. However, I still can not access the funds from the original account and customer service will not respond. 

There are now two accounts set up with the same phone number, one of which has {$800.00} I can not access. 

I am unable to speak to an actual person as they will only respond via an automated chat.
Consumer complaint received 2021-11-16
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. (CA)

On XX/XX/2021 I made a purchase using my Cash App card at The XXXX XXXX for the amount of {$31.00}. The XXXX XXXX cancelled the order due to being out of stock and they refunded {$31.00} to my Cash App card. 

However, when I checked my Cash App account, only {$1.00} was refunded. I have tried to bring this up with Cash App customer support, but they keep saying that they are unable to reimburse the missing {$30.00}.
Consumer complaint received 2024-08-02
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. (IL)

I opened a credit card at an XXXX XXXX store. I was enrolled in paperless billing without my consent. I never received a bill or an email notifying me that I had a bill due in XX/XX/year>. I was notified by a decrease in my credit score and still never received notification of the money I owed. I immediately paid the small balance on my XXXX credit card. I was never instructed how to pay my bill. I had a XXXX  in between this time and wrote letters and filed disputes explaining this and was told no and the late payment history of 90 days remains on my card. Every time I call XXXX I am belittle and treated terrible by the employees. Do not open a XXXX credit card.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am writing as a protected consumer under federal law to report serious violations by the three major credit reporting agencies : XXXX, TransUnion, and XXXX. Despite providing proof of my address and identification, these agencies have unlawfully reported unauthorized accounts on my consumer report without my written consent, in violation of 15 USC 1681b. This unauthorized reporting amounts to identity theft and libel per se, constituting defamation of character. Additionally, these agencies have engaged in aggravated identity theft by contacting third parties with my private information, violating 18 USC 1028A and 15 USC 1681A ( 3 ).

Furthermore, they have failed to meet the requirement for maximum accuracy in reporting, violating 15 USC 1681e ( b ) and 15 USC 1681i ( 5 ). My previous disputes and complaints have been ignored or inadequately addressed, demonstrating noncompliance with FCRA obligations. I have submitted proof of certified mail receipt.I demand the immediate deletion of the inaccurate accounts and a free copy of my updated credit report. 

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 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 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 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-12-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc. (MD)

I signed up for a Cash App account using a referral offer from my friend. The offer states that I must be : 1 ) Be new to Cash App with no previous accounts 2 ) Enter their invite code correctly within 7 days of sending/receiving their first payment 3 ) Link a personal debit card not associated with another Cash App account. People under XXXX  can activate a Cash Card instead 4 ) Send {$5.00} or more, either as a single payment or multiple smaller payments, within 14 days of entering the invite code I have never had a Cash App account before, and did all of the other steps, but the referral bonus was automatically denied. I reached out for help and both reps that I spoke two simply stated that I did not qualify. I asked which condition I did not meet, to which they replied that they did not have access " for security '' to know which condition I did not meet but that I did not meet it. 

In short, they set up a set of conditions to get this bonus, opaquely deny it, and then when pressed for a rationale, said that they can't tell me.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am filing an urgent complaint againsXXXX XXXX XXXX  for their clear disregard of the Fair Credit Reporting Act ( FCRA ) and their failure to properly validate and verify an account listed on my credit report. The inaccurate and unverified account reported by XXXX XXXX has significantly damaged my credit score and financial standing. This has led to considerable hardship, including challenges in obtaining credit, increased interest rates, and substantial stress. The actions of XXXX XXXX have caused undue harm to my financial reputation and stability. XXXX XXXX  XXXX Balance Owed : {$4200.00}
Consumer complaint received 2021-12-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Block, Inc. (WA)

On XX/XX/XXXX I received a business debit card from square up with my name and address on it, when I called to report that this was a fraudulent account and that I never contacted them they said they would " start an investigation ''. When I asked they said that someone would have had to actively open a debit account in order to receive their card. I told them that this is identity theft then. I have since received a second business debit card from them now with the business name adjusted by one letter. I have not received an update on their " investigation '' nor do I believe they are actually doing anything to prevent further misuse of my identity.
Consumer complaint received 2021-10-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (CA)

Cash app is being used by the adult services community to lure vulnerable people into sending money for " adult cam shows ''. I was a victim of this scam. The scammers are on a site called chaturbate. They try to lure you offline for a cam show on XXXX. I foolishly agreed after telling the I was uneasy about doing this because there is no recourse once i send them money via cash app. She seemed trustworthy, even reassuring me that she would never rip me off because she knows how it feels. I figured well its only {$20.00} and she seemed like a decent person. Immediately after sending the money i was blocked from chaturbate and XXXX and had no way to contact the scammer. I immediately reported this to cashapp hoping that they would investigate. They were extremely unhelpful and said that once money is sent it can not be recovered. They gave the same company statement and said there is nothing they can do. Supposedly it was sent to a manager but the manager was just as unhelpful and said there is nothing further she could do so she was closing my case. I asked to speak to someone above her and she refused. I am really upset with the scammer but equally upset with cash app because they know they are enabling illegal activity through their app and dont seem to care so as long as they are making money. Not knowing where to turn I am here. At least I can make my complaint known. If there are enough complaing hopefully cashapp will be forced to take action.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-10-15
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. (PA)

I have fill a unauthorized payment dispute I still havent hear back from yall by email or still havent got no refund yet here is the dispute information again 1. What is your legal name, XXXX XXXXXXXX, and email address and/or phone number linked to the account associated with the 'unauthorized ' activity? XXXX XXXX XXXX XXXX XXXX 2. What are the dates/times and amounts for the transactions that you believe are in error? XXXX XXXX XXXX {$28.00} 3. Why do you believe the transactions were unauthorized? This is the three time I have a unauthorized payment sent to the same user I never sent it to her or don't know her 4. Were you instructed to download any other apps other than Cash App to access the account in question? No 5. What is the make and model of the device ( s ) you were logged into when the transactions took place? XXXX 6. Which city & state were you located in when the unauthorized transactions took place? XXXX Pennsylvania 7. Did you forward or provide any account access information to a third party? No 8. Do you have a PIN set up to authorize payments? If so, did you share your PIN with anyone? No 9. Do you have possession of your device, if not, when did you last have possession of your device? I didn't have possession of my device when I was sleeping before I want to bed I did someone probably guessed my cash app pin who I don't know and changed my pin but I changed the pin.
Consumer complaint received 2023-03-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Affirm Holdings, Inc (MI)

On XX/XX/2022, I sent affirm a dispute letter in regards to all of the loans I had open at the time. I had never been given proper notice of the loan contracts until I thoroughly read through the agreement/contract and saw significant errors and violations within those agreements. 

One particular section, the promise to pay, stood out the most. I explained to Affirm that the loans were already prepaid and them collecting on any payments further is fraudulent. The term finance charge defined by Congress in 15 USC 1605, clearly states that it is the sum of ALL charges. It also further states that within a consumer credit transaction, cash payments shouldn't be involved within a credit transaction. Yet, Affirm is collecting twice the amount of payments on every loan. 

I will attach the letter ( s ) I have sent to Affirm. They never replied back via mail but they did reply via email and all the customer representatives kept referring back to was the loan agreement. Their agreement does not supersede any federal law. Affirm willingly and knowingly chooses to violate and deceive consumers into thinking they owe something they really don't. 

I would like all of my money back from every single loan that I have ever paid for, I would like for all of the loans that Affirm decided to charge off be updated as paid in full, and for them to update any credit reporting agency they reflected these negative items on to be updated as well and removed from my report. Per the IRS, a charge is considered income and it is illegal to report that on a consumer report anyway.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX. Whos studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2021-09-29
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc. (AZ)

I have been getting fees for every time I would have friends or family send me money thru cash app. I thought it was what they charged but then my wife showed me on her account she never gets charged anything so I looked more into it. I've paid over XXXX $ in fees over the past year because I have a business account, I don't know why I have a business account but cash app says it can only be done from the app and that I chose a business account. Well I didn't mean to. Business accounts are charged 2.75 % for any money received. So I contact cash app all ask them what's up and they agreed that it was probably a mistake and said they would reimburse fees but only 7days back from the time I contacted about fees. Basically everything past the 7days it my mistake for not catching all the fees I was paying sooner and I'm stuck with the fees. There crooks, please help!
Consumer complaint received 2021-10-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (KY)

I am writing to file a complaint on Square Inc which is a credit/debit card processor. Their business headquarters is located at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX, XXXX. 

My name is XXXX XXXX and my husband and I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX We offer brand new brand named furniture. We have been open since XXXX and have used square card processing since opening. We have not experienced any problems with them until now. 

On XX/XX/XXXX and XX/XX/XXXX we processed payments as normal as we always do. At the end of business Saturday XX/XX/XXXX we realized our deposits has not been made into our account at the end of business. After inquiring through a phone call to square they advised me without warning that our account was deactivated and all of our funds from XX/XX/XXXX and XX/XX/XXXX and would be holding {$10000.00} for 90 to 120 days. They could not explain to me why this happened and just said the system at random reviews accounts. These transactions were not out of the ordinary nor should have flagged a review. Also the merchandise valued at the same cost has left my store and the bill is due to the vendor for such items. I called and emailed Square several times in which they provided no details of why they were holding my funds. I asked to be transferred to a supervisor and the legal department and was told in this situation it was not allowed. That I would need to email but probably would not receive a response. That I am forced to wait 120 days. I would gladly send any information to confirm these transactions but they refuse to clear it up. Now that I have called they have deactivated a way to speak to anyone in customer service leaving my only option to email which allows them not to respond. 

I am asking for my {$10000.00} to be released to me immediately. Also have conducting research online I have found thousands of customers that have been scammed by Square, held funds, and not even released past the 120 days! 

This is how small businesses survive!
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$10000.00} XXXX  XXXX Balance Owed : {$11000.00}
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.