davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (TX)

XXXX bank just informed me that cash app resent my {$200.00} to a closed account with XXXX at XXXX PM on XX/XX/2021, after I just reported on XX/XX/2021 that I made a mistake. I no longer have an account with XXXX and I updated my new bank account information on XX/XX/2021. I am not understanding why you all will not allow XXXX to resend the {$200.00} back to my cash app account per policy. This is highly unprofessional, errant, and inconveniencing. I earned this money direct deposited into my account on XX/XX/2021 via cash app. It should not take several days to reimburse money from a closed account back to cash app. Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.
Consumer complaint received 2024-09-14
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. (PA)

Subject : Dispute of Inaccuracies on Credit Report Dear Equifax and CFPB, I am writing to formally dispute several inaccuracies on my credit report that have significant consequences for my financial health and overall well-being. Under 15 U.S.C. 1681e ( b ), I am entitled to accurate and complete information in my credit report, and I believe that the information provided to you has not been verified accurately. Additionally, 15 U.S.C. 1681i mandates that you conduct a reasonable investigation of my disputes, which has not been adhered to in my case. 

I have identified numerous discrepancies on my credit report, including unverified, outdated, and misleading information regarding the following accounts : XXXX. XXXX XXXX XXXX - Account Number : XXXX - Status : XXXX XXXX - Reported as a transferred loss by the XXXX XXXX - XXXX Owed : {$0.00} - Last Verified : XX/XX/year> - Other inaccuracies regarding payment status, derogatory remarks, and payment history. 

These entries are not only inaccurate, but they also severely impact my credit score, currently reflected as XXXX, which is detrimental to my ability to secure loans or credit. The stress of managing these discrepancies has taken a toll on my life, affecting my financial stability, opportunities for housing, and overall peace of mind. 

I have reached out to Equifax multiple times regarding these issues, and each time, I am informed that the accounts are still being verified, which is unacceptable. The lack of resolution and continued inaccuracies is damaging my credit health. I urge you to take immediate action to rectify these errors. 

I have attached copies of my credit report, highlighting the disputed items for your convenience. I request that you conduct a thorough investigation and provide written confirmation of the outcomes of your inquiries. Additionally, I expect these inaccuracies to be corrected or removed from my credit report as required by law. 

Thank you for your prompt attention to this matter. I look forward to your swift response and resolution of these discrepancies. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-11-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (TX)

Cash app ( square inc ) has money of mine that they refuse to give me access to. I got a new phone and number and was unable to access my account because I couldnt get the text message cash app sends when trying to login. I contacted cash app and was told to set up a new account theyd go from there with verifying my identity. I did that. With this new account I had to enter the last 4 of my social security number, date of birth and zip code. This is the exact same info I had to enter when I created the previous account. Cash app asks for none of that info when verifying my identify. Then they come back and say they can not give me access to my account, the decision will not be reversed and they will not give me any further information. I went as far as to call XXXX XXXX XXXX to have them reactivated the old number just so I could log into the cash app account. With the first attempt cash app logged me in but requested I add a debit card. I tried. It errored 3 times until finally it said I had tried adding the card too many times. When I went back to login with the phone number cash app prompted me to open up yet another account with the telephone number from my old account. They dissociated my phone number from the account Cash app is now holding on to my money and refuses to take any further steps to resolve this issue the account is tied to my social. I can even verify the last few transactions. Cash app can not Just decide theyre going to keep app users money and not offer any type of way to get it. I want my money. After reading experiences from others, cash app ( square , inc ) does this to lots of users.
Consumer complaint received 2021-11-17
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)

On XXXX I made a purchase with my square XXXX via XXXX for {$350.00}. This transaction was immediately canceled through XXXX and refunded. I called square to have the funds added back to my original balance and the square rep voided out the wrong XXXX transaction which in turn charged me twice and put me in a negative balance. Not only is this an inconvenience but will also reflect negatively on my account when doing future business with square. All because of a mistake on the behalf of the square representative. Ive been transferred numerous times with no resolve in sight! Was told it would take up to 60 days. The representative XXXX XXXX was very dismissive and refused to transfer me to a manager or someone above her in ranking to help resolve this issue.
Consumer complaint received 2021-11-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (NC)

Back in XXXX Ill purchase promotional services from a promotional company that I thought was legit they scammed me out of {$1200.00} and I ask for a refund they advised me that they would not give me a refund I try to report this issue to Cash App they say basically oh well then I reported this issue to my bank Who advise me that I would have to take this out with cash app I reach back out to cash out for help and they advised me that there was nothing that they can do I reported the persons account as a scam and now that person has scammed another person cash app is refusing to acknowledge this problem and give me my money back from this persons account they are scamming people and Cash App is allowing them to scam people I would like a deeper investigation into this matter as I do have receipts and confirmation of the services that I wanted but was not provided I have requested a refund from this person in which they decline and I advise that to cash app as well I would just like my money back because I am a single mother and I was trying to invest into my career by promoting my business and was ripped off I also see no cash app has a I have been scammed button which is new on the platform I did not have the option to say that I was scammed at that point in time but now that I do I would like to utilize this option and let cash app know that I will scam
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/year> SS : XXXX XXXX XXXX My Only name is XXXX XXXX XXXX Only address is XXXX XXXX XXXX XXXX, VA XXXX My Only Employer is XXXX There may be other individuals with a name the same as or similar to mine. Creditors may have entered my name incorrectly when requesting my credit report. Regardless, there are forms of my name and addresses that should not appear in my credit file. 

Please promptly remove all other names and addresses. These other forms of my name are not correct historical data. Therefore, they must be removed. 

incorrect historical data listed below Name : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX, VA XXXX Employer : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, and XXXX XXXX XXXX
Consumer complaint received 2021-10-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (WA)

The company " Square '' that I have used to charge my client 's credit cards for my services, claimed that I had a second account with a large dispute on it totaling {$2100.00} and that I was responsible for this amount of money. They therefore withheld {$360.00} worth of my most recent charges and had planned to take any future funds that I would collect from clients until the dispute balance reached XXXX. They initially refused to give me any information about why they thought this second account was mine. After more than a dozen calls, emails, the filing of a police report and the filing of an FTC report, they told me they still believed this other account was mine and they provided the email address for the other account. The email address was not mine. The other entity 's email address contained my first name and the field in which I work ( psychology ). I filed a second FTC report and they decided that it was a case of " stolen identity ''. They have since refunded my {$360.00} and " disassociated '' the other account with mine. However, they still refuse to provide me any information about why they thought this account was mine ( other than the remotely similar address information ) and they still maintain my information was " stolen ''. Given Square transactions involve my bank account, I need to know what if any, of my sensitive information has been stolen. If it has not been stolen, and they simply went the route of putting me through the many, many hours of work because it was easier for them to collect the money they themselves had lost via the dispute on this other account and blame it on someone ( me ) with a slightly similar email address, I would like to know that as well.
Consumer complaint received 2021-10-29
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Problem with customer service — 
Company: Block, Inc. (CA)

I started a XXXX XXXX XXXX  and since business is picking up I deduced to use a more useful way of tracking my payments instead of using cash app. A colleague suggested square so on XX/XX/XXXX I signed up for an XXXX  account to be able to send and accept payments. As your account is created they walk you through steps of adding your bank account and making sample invoices. On XX/XX/XXXX me and a colleague came to an XXXX  agreement that totaled out o be {$3500.00}. She was sent an invoice on this date from square and I believe she paid by ACH from her account. On XX/XX/XXXX square emailed me and stated " you can still continue to accept payments. However, until we can confirm your information, your funds will be held in your Square account. You will not be able to transfer your funds into your bank account and they will not be accessible on your Square Card. '' I logged into my account and it sent me to a page with different questions and link to be able tp upload any documentation. I answered each question honestly and to the best of my ability, I also upload my CA XXXX XXXX, CA drivers license, bank statements, CA Secretary of State papers, and proof of EIN from the irs. All of this info was submitted on XX/XX/XXXX, they sent an email on XX/XX/XXXX that my information is now being reviewed. In under a hour my account was blocked, and I can no loner use any of their services. my 1 {$3500.00} payment they told me will now be on a 90 day hold an i can not get my funds until after XX/XX/XXXX. All of my info and documentation is correct and can be verified. They gave me no other explanation and they also have no customer service so you can not talk to anyone.
Consumer complaint received 2017-03-30
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Nationwide Recovery Systems, Ltd (TX)

I received a notice regarding my trans union credit report on Friday XX/XX/2017. I checked and saw it was a collection from Nationwide Recovery Systems. I called immediately and at first the representative could not find me using my name OR social security number. She eventually found me and said I owed {$780.00}, I let her know I have not received any kind of documentation regarding this debt. I proceeded to give her my credit card info, I asked her to not process my card until I do some research on this debt because my husband advised that I should get documentation on what it is exactly that I owe because I do not recall this bill. Their only advice to me was call the hospital. I called the hospital and they advised that they do not even use this particular debt collecting service, I also called Neonatal consultants which is the name it is under and that phone number is disconnected. I called back to try to get more info but was unsuccessful, they did in fact run my credit card through after the representative said she would NOT run my card and to call back before XXXX that day if I wanted my payment to be processed that day. My credit card company called them on 3 way to dispute this charge and we spoke to a supervisor who told me that if I take back my payment he would NEVER remove the collection from my credit even if I called back to pay it. He also stated it would take 48 hours for the payment to be reversed. Today is the XX/XX/XXXX which is way over 48 hours and my money has not been returned to me and I still have yet to be given any kinds of documentation regarding this debt. I called today to find out what is going on and was put on hold.
Consumer complaint received 2017-01-30
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

XX/XX/XXXX RE : illegal Business Practices at Infinity-Nissan Infinity Acct # XXXX I have a lease contract for 24 months with Infinity Financial for a vehicle that started XX/XX/XXXX and will end XX/XX/XXXX. All monthly payment has been made. 
On XX/XX/XXXX, I became aware that infinity was tell us that they are missing A payment. Since XX/XX/XXXX. And that all the payments we were making was Being posted as late. On the phone, we agreed to make a payment including late Charges for {$400.00} and we agreed that I would send the payment to them. 
We send the payment to Infinity the same day. ( copy attached ) Also, they advise us that they are missing the XX/XX/XXXX Payment. We faxed them our bank statement showing that in fact a payment for {$300.00} was made on XX/XX/XXXX. 
See copy attached and Letter from Bank. It is very strange that if we are missing a payment, they would call us so late on this even after they were reporting us as being late for every month. 

On XXXX unknow to us Infinity illegally repossessed the vehicle, this is less Then 30 days that we are to return the Lease vehicle. ( how buzzer is that ). 

This is a Clear tactic infinity is using to negligently forced sell the vehicle to us. At this point I have requested over three times to get my payment history with them but they Keep stalling, signaling that there is something they wish to hide. 

We are proving clearly that Infinity has received all the payment required on a lease And we have called talked to them several times but they do not wish to admit that they Made a mistake and keep telling us that its over. " We will sell the car at Auction prices and bill you the Balance '' This is not our agreement, we do not wish to purchase the vehicle. This is Clear to me that infinity financial has a vested interest in trying to force sell this vehicle To me a Retail prices. A classic example of a big Bully. 

If infinity Financial tries to unfairly pursue this illegal activity. I have no choice but to take Legal action. This is a demand that infinity return the vehicle from where they picked it up from And let the course of our agreement run out on XX/XX/XXXX.
Consumer complaint received 2021-10-28
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. (GA)

On XX/XX/2021 Cash App allowed multiple fraudulent transactions occur to my account, when the charges were initially made I reached out to the support via phone and chat support, which has not resolved my issue. On XX/XX/2021 after seeing the transactions in pending status I immediately alerted them, they stated they could only dispute charges after they posted. {$3.00} from a XXXX account was charged to my card 32 times totaling {$120.00}, to which I still have not received back! In addition, after speaking with the rep whom said someone would be in contact via email regarding this I HAVE HAD NO RESPONSE! I've called the same number XXXX for three days back to back and the automated voice indicates they're experiencing higher call volumes! NOT FOR THREE DAYS WHEN YOU HAVE ALLOWED FALSE TRANSACTIONS TO OCCUR! When chatting with support they advise you to contact the merchant to which I explained this is fraudulent, how can I communicate with someone who has stolen my information! In addition to the {$120.00} that was stolen from my account and has not been returned they have allowed multiple fraudulent transactions and have 7 pending for which I did not authorize! I have ordered a new card and yet still, on XX/XX/2021 they allowed someone to clear out the small amount that was reflected with a charge from XXXX  of {$3.00} several times, XXXX {$3.00} and several other names such as XXXX XXXX for {$100.00}, another user by the name of XXXX XXXX attempted to charge {$50.00}. This is disgusting and immoral that as a company whom houses funds from all over does not have security measures in place to protect my money, no efficient customer service representatives to proactively stop things like this from happening when I reported each transaction while pending and stated its fraudulent, and a non-working phone number that DOES NOT OFFER SUPPORT! I am irate and want my stolen money returned to me immediately!!!!!!
Consumer complaint received 2016-12-13
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Blackrock Mitigation Group LLC (NC)

Contacted by Blackrock Mitigation XXXX stating we took out a loan in XXXX 2012 we 've requested debt validation letter via US mail they refuse. They sent something via emai but is n't debt validation. They contacted employer stated they had a case against them and myself. I did n't even work for this company when this loan as taken out. I do n't even know if thjs is a valid debt of mine. They have been asked both verbally & letter via US mail to stop contacting me until debit is validated. They spoof their number to make it appear they are calling from the local sheriffs office, as well as XXXX county courthouse, they stated they were the XXXX XXXX county XXXX court as well a law enforcement. They told my employer I was evading them which I 'm not I just want to validate this is or is n't my debt. I 'm afraid I 'll lose my job over them calling my employer.
Consumer complaint received 2024-10-03
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. (KY)

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXXXXXX : number : XXXX
Consumer complaint received 2021-10-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (CO)

Ive had cash app for a long time, Ive never had an issue with it. Ive never mishandled my account to where security measures would have to be put in place! Ive sent money and received money from the same people consistently and Ive purchased Bitcoin and withdrew it to the same address! My identity was manually verified and I have the email still from when I was told I had full access to cash app features! Out of nowhere I sent a payment to my sister who is an established cash app customer as well and Ive sent to her multiple times before! It canceled every payment on me and since then any transaction Ive tried to do! Customer service has no answers other then if they detect anything out of the ordinary they will cancel a payment! I really cant imagine what is possibly are the ordinary from transactions Ive completed multiple times before the same person. The Bitcoin wallet will not allow any transactions either! Cash app support have no answers and they are no help they just disconnect the chat over and over! I could use other platforms and I have but the point is theres no reason why I can not use cash app! Ive done nothing wrong they have provided me no information that I have! Pretty much all I can do is add money to cash back out to myself buy bitcoin sell it to cash out myself thats it! They think its normal!