davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Block, Inc. (KS)

I just enrolled into XXXX XXXX  XXXX XXXX  app because I keep getting denied for credit for no apparent reason and they are showing several attempts with my social security number i think XXXX since XX/XX/1922 XXXX showing my social security number with the wrong address and the other XXXX with the wrong addresses and wrong social security number these are all listed under inquiries to my credit info via the XXXX  XXXX as told to me through XXXX XXXX XXXX XXXX  app. Also I have received strange inquiries through my text msg on my cell number recently through cash app asking me to receive an money request and I have no cash app in my name. Also I reported last month the same as I received an email about a XXXX account that I never opened which I called them and reported it. As well as there is XXXX old XXXX account with XXXX fallowers each ( XXXX total ) showing my pictures of which I have not had access to for around 3 years now, the accounts were hijacked from me by an extremely hitech computer network engineer ex boyfriend of mine 3 years ago named XXXX XXXX XXXX. Missouri who would beat the XXXX out of me and steel my cell phone, thus me getting a new phone and starting a new accounts, neither of which I have been able to access for 3 years now. When I approached XXXX they told me that since I did not have the password or recovery information for the accounts which he had already changed to his personal information that there was nothing I could do to close the accounts and so I was stuck not being able to close them PERIOD. unfortunately this happened twice, before I was able to escape the abusive situation. IF I could think of anyone involved with fraudulent activity on My personal accounts it would be XXXX XXXX XXXX XXXX mo I found an evergy bill for XXXX $ as well in his son 's name with mine that I never signed for. And I have gotten several strange emails with XXXX XXXX XXXX and as well as XXXX XXXX. I'm quite sure they are into catfishing innocent people out of my old XXXX  accounts and doing the most illegal activity which is the reason I was scared to report such crimes for I was scared that they might come to harm me if I told on them. I was informed by the local authorities here in XXXX ks that I needed to report this to the fbi as well so I will be seeing how to get them involved too if I need to. Thank you for your help.
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. (LA)

I am writing to express my deep concern regarding the disputed accounts on my credit report. Despite multiple attempts to address the inaccuracies and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to lead a normal life. 
The negative impact of these inaccuracies has caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. 
It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file, so I may regain control over my financial well-being. 
I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 
Thank you in advance for your understanding and assistance.
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. (DC)

I am writing to express my deep concern regarding the disputed accounts on my credit report. Despite multiple attempts to address the inaccuracies and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to lead a normal life. 

The negative impact of these inaccuracies has caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. 

It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file, so I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Consumer complaint received 2022-06-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc. (AL)

I was paid by Cash app from a friend on XXXX XXXX. Around XX/XX/XXXX, cash app refunded the money from my account to the person who paid me and cant tell me why. This person owed me the money and paid me. Why did cash app took the money out of my account and returned it to them? They took {$2000.00} out of my XXXX checking account. Cant get a straight answer from no one. Just the runaround. I want my money back. I have called them many times. And the person who paid me knows nothing about this supposedly. Have them return my money.
Consumer complaint received 2022-06-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc. (PA)

On XX/XX/2022 at around XXXX my fiance sent me {$30.00} to my CashApp and I hadn't realized that I did not activate my card. I tried to log into my account to activate the card but was unable to do so as my phone had been stolen just a couple days before. I tried to make a new CashApp to get the money back and told CashApp customer service the issue. They will not help me to gain access to my previous account, despite having verified my identity several times using my full name, date of birth, social security number, and address. They even refuse to help get the funds sent back to my fiances account. Also, They have not refunded the transaction despite it showing canceled on my fiances transaction receipt. They are denying us our money and refusing to help correct the problem.
Consumer complaint received 2024-07-29
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. (UT)

Despite making this attempts to resolve these issues directly with the credit bureaus and creditors, I have been unsuccessful in removing the following accounts : I have disputed these accounts multiple times with the credit bureaus ( XXXX, XXXX, and TransUnion ) and have contacted the respective creditors directly. Despite providing supporting documentation and evidence that these entries are inaccurate, my disputes have not resulted in the correct of these accounts from my credit report. The continued presence of these negative accounts on my credit report is causing significant financial harm and affecting my ability to secure credit and improve my financial situation. I believe my rights under the Fair Credit Reporting Act ( FCRA ) are being violated, and I am seeking for your assistance in resolving this matter. These accounts should be promptly correct immediately : XXXX XXXX XXXX XXXX Balance : {$260000.00} ; XXXX XXXX XXXX XXXX Balance : {$12000.00}.
Consumer complaint received 2022-06-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (TX)

On XX/XX/2022 I reached out to Cash App to discuss a transaction upon verifying my identity I gave the representative my legal name which is " XXXX XXXX ''. He proceeds to ask other identifying questions which I answered. The rep then tells me my name doesn't match. So we go back and forth. He tells me to go to my laptop and login into Cash App through the web browser and download the original application, which should show me the legal name I used to open the account. I did that, it was an XXXX spreadsheet that downloaded. I located the legal name section and my name " XXXX XXXX '' was there. I tell the rep again. He puts me on hold and comes back and says he can't help me anymore and hangs up on me. This was a Friday evening so I couldn't get anyone back on the phone until Monday. But on Saturday I tried to reach out to the 24/7 online support. I told them what happened they couldn't help. So, Monday comes XX/XX/2022 I called Cash App again XXXX, you have to wait for someone to call you back. The first rep that call back did the exact same thing as the rep did on Friday but he was yelling in the phone " THERE IS NOTHING MORE I CAN DO FOR YOU '' I call back again the second rep was nicer he tried to help but kept telling me my name did not match. All I am trying to do is figure out how I can get my name situation resolve. No one can tell me who, how or why. I even asked to upload my birth certificate and driver 's license. I do not know what system they are looking at but through Cash App 's own instructions I downloaded the original application with my correct name on it and still could not get any help. This has been very frustrating, not to mention not knowing if someone is trying to hack my Cash App and getting yelled out by reps.
Consumer complaint received 2022-06-05
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. (GA)

On XX/XX/2021, I ordered merchandise and paid for it using the VISA-Cash-App card -Transaction ID - # XXXX ) in the amount of {$5000.00}. The merchant promised to deliver the merchandise to me on XX/XX/2021, and the merchandise was NOT delivered. On XX/XX/2021, I requested a refund from CashApp user XX/XX/XXXX (XX/XX/XXXX Bank, Cash App ID : $ XXXX ) Transaction ID - # XXXX ). The refund request was unanswered. 
I contested this transaction with CashApp support team which also went unanswered. 
On XX/XX/2021, I sent a certified letter to Cash App Headquarters stating that the transaction need to be investigated for fraud and goods not delivered. My letter was signed for and delivered but I never received an answer. 
I then opened a police report, ( case # XXXX ) in the XXXX XXXX XXXX GA. An investigation was done and fraud was found. However CashApp refused to reverse the transaction. 
I am requesting that the error be corrected, that all finance and other charges related to the disputed amount be credited to my account, and that I receive an accurate statement. 
This is not too much to ask for and should be well within my rights. Please advise on how I can proceed. 
Thank you, XXXX XXXX
Consumer complaint received 2022-06-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (IL)

On XX/XX/2022 at XXXX XXXX  I stopped at XXXX gas station to put gas in my car. I used the pay at the pump option, after I put in my pin the pump did not turn on. It gave me a receipt that said declined insufficient funds. I looked on the cash app app on my phone and it had taken all {$110.00} from my account leaving a {$0.00} balance. I made a complaint with the station and with cash app that day. The station was not forthcoming with any information so i contacted the Illinois Attorney general about the matter with them and they did finally send them the proof that they didn't get the final transfer of money I have been in contact with cash App and they are claiming that they have 45 days to resolve this under the EFTA rules. When I looked at the EFTA rules it says that they have 10 days or 45 days if they issue me back my money after the 10 days. they have not done this and they are extremely closer to this 45 day time period if it is business days. If it is not business days they have grossly missed the deadline. 
I need help dealing with them. It is clear that they feel that they can bend the rules to suit their needs.
Consumer complaint received 2024-08-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Upgrade, Inc. (GA)

I signed up for a checking account via a friends referral link for a {$200.00} bonus with a direct deposit of {$1000.00}. I completed the requirement and even received the email confirming this. I reached out to customer service on XXXX to confirm I would be receiving the bonus. They stated it didnt correctly process when I opened the account, but if I provided the link and name of the referring person that they would submit for consideration. They came back on XXXX and said its already been used and cant be used more than once which is a blatant lie. I asked them to respond with any proof of this in their terms or conditions, which cant provide. 
Per their terms and conditions below, Referral links can be used UP TO TEN TIMES.

Here are terms and conditions for the referring party : Existing Customers Referral Bonus As an existing customer with an open Rewards Checking account through Upgrade ( Existing Customer ), you can receive a Referral Bonus ( defined below ) after a New Customer ( defined below ) uses your unique referral link to ( 1 ) open a new Rewards Checking account by the date presented to you ( Offer Period ), and ( 2 ) complete three ( 3 ) eligible purchases with the Rewards Checking debit card within ninety ( 90 ) days from account opening ( a Qualified Referrall ). For each Qualified Referral, you will receive a referral bonus in the amount presented to you if the New Customer you referred opens a new Rewards Checking account by the Offer Period ( the Referral Bonus ).

Your unique referral link will be accessible in your Refer a Friend Dashboard. By sharing your unique referral link, you expressly acknowledge and agree that Upgrade may, in its sole discretion, disclose limited nonpublic personal information about you to any customer you refer for purposes of offering and servicing this Program.

You may see the status of any Referral Bonus in your Refer a Friend Dashboard at any time, including whether the Referral Bonus is still pending or has been credited to your Rewards Checking account. You must have a Rewards Checking account that is open and in good standing in order to receive a Referral Bonus for a Qualified Referral. You can earn a maximum of ten ( 10 ) Referral Bonuses from all Qualified Referrals in one calendar year.
Consumer complaint received 2024-08-21
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (CA)

Im not denying the debt is mine, but the amount of phone calls multiple times a day more than 10+ in a week for months on end has become intolerable and interfering with my personal life. The dates range from XXXX. I have my call logs and voicemails for further evidence of these calls.
Consumer complaint received 2024-07-01
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: Experian Information Solutions Inc. (TX)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2022-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Block, Inc. (NJ)

I received an unsolicited card from a company called Square. It is a business debit card, and says it is issued by XXXX Bank. The card has my name on it. I did not apply for this card, and I do not have an account with Square nor with XXXX Bank. I contacted Square at their customer service number : XXXX. I spoke with XXXX, and was transferred to XXXX. I explained that I received a card that i never applied for, and wanted to ensure the card was not active and any accounts associated with my name were closed. I was asked to provide the number on the back of the card. I was told by XXXX that she could not close any account associated with my name and that it had to be investigated by their team. She said she would forward my concerns to the appropriate investigative team. I asked to speak to a member of the fraud department directly and was told that there was no live person to speak to, only the liaison, XXXX. I was also told to provide an email address and that I would be sent an email asking for additional information. I stated I did not feel comfortable providing a personal email address and did not see why I should have to email further information to the company, as I did not open an account with them and just wanted any accounts in my name closed. I asked how I would receive confirmation that my account was closed, and if I could be sent a hard copy letter or at least a phone call from the fraud team informing me the account was closed. XXXX stated that the company is " mainly email '' and does not typically do phone calls, nor would I receive a hard copy letter stating the accounts in my name were closed. I explained that I believe this card is due to identity theft, and want confirmation that any accounts associated with my name are closed. XXXX instructed me to contact my local authorities and stated it would be forwarded for investigation, however she could not close my account nor provide me with definitive confirmation that the account was closed.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MI)

This is my new complaint to address the incorrect entries on my credit report. I am disputing these items as they are unrelated to any transactions for goods, services, or money that I have made or authorized. Please remove all information from my credit file that has resulted from these erroneous entries : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$12000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00XXXX XXXX XXXX Balance Owed : {$12000.00} XXXX XXXX Balance Owed : {$0.00} XXXX : XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX {$12000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX. These items are unknown to me and have been deleted from other credit bureaus. I have serious doubts about their accuracy, and the reported payment history on these items is baffling. As mandated by FCRA 605B ( c ) ( 1 ) ( C ), you are required to remove any items listed in ID THEFT REPORT # XXXX. This report was included in a previous correspondence, and I am enclosing it again. My attorney is aware of this situation and is prepared to hold you accountable for willful noncompliance.
Consumer complaint received 2022-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc (FL)

I am filing this complaint against Affirm , Inc. regarding their reporting of inaccurate and misleading information to the credit reporting agencies. Specifically, Affirm has reported the above-mentioned accounts as " charged off '' with written-off amounts, which is erroneous and has caused significant damage to my credit profile. 

Details of the Dispute : Inaccurate Reporting : Affirm , Inc. has reported both accounts [ XXXX ] and [ XXXX ] as " charged off '' with written-off amounts, despite the fact that these accounts were not accurately reflected in my payment history or balance status. 

Violation of the Fair Credit Reporting Act ( FCRA ) : Affirm , Inc. has violated the FCRA by failing to report accurate and complete information to the credit reporting agencies. This has resulted in damage to my credit score and has hindered my ability to obtain credit. 

Failure to Correct Information : Despite my efforts to resolve this issue directly with Affirm , Inc., the company has not taken the necessary steps to correct the inaccurate information. I have disputed this information, but Affirm has failed to adequately investigate or correct the inaccuracies. 

Legal Precedent : According to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. 1997 ), creditors are legally obligated to ensure the accuracy of the information they report. Affirms negligence in fulfilling this obligation may make them liable for damages under the FCRA. 

Requested Resolution : I request that the CFPB take the following actions : Immediate Investigation : Initiate an investigation into Affirm, Inc.s practices regarding their reporting to credit agencies. 

Correction of Inaccuracies : Require Affirm to correct the inaccurate information on my credit report immediately. 

Ensure Compliance : Enforce compliance with the FCRA by Affirm , Inc., and ensure that such errors do not occur in the future. 

Compensation : Consider the imposition of penalties and damages against Affirm for the harm caused by their inaccurate reporting. 

Supporting Documents : I have attached a copy of my dispute letter to Affirm , Inc., and a copy of my credit report showing the disputed items. 

Conclusion : The actions of Affirm, Inc. have caused undue stress and financial hardship. I seek the CFPBs assistance in rectifying this situation and ensuring that Affirm complies with federal laws governing credit reporting. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX