davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (GA)

I was told if I bought {$110.00} of bitcoins thru Cashapp I would get $ XXXX I realize now it was a scam. I believe the scammers work for Cashapp. I received fake emails from the scammers pretending to be from Cashapp. 
This is one of the emails sent below Transfer On Hold Transfer Current Percentage Done : 60 % Transfer On Hold. 
Dear customer, Your cashapp daily limit can't receive this money please Kindly upgrade your account with {$110.00} into ( $ XXXX ) as the vouchers to upgrade your cashapp limit and get your paymentWARNING! This payment can't be cancel or rejected just make sure you follow all the procedures and you can text back on this email if you want to contact us. 
THANK YOU Upgrade fee. {$110.00} $ XXXX Sent from email XXXX The receiver of funds and person sending emails is listed below Amount Identifier TO From {$5000.00} # XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-21
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: General Motors Financial Company, Inc. (OH)

acct XXXX Subject : Formal Complaint Regarding Cadillac Lease-In Complications and Inconsistent Balance Due Dear Sir/Madam, I am writing to express my deep frustration and dissatisfaction with the ongoing issues I have encountered with GM Financial concerning the lease-in process of my Cadillac vehicle. Despite multiple attempts to resolve these matters, I have been met with unresponsiveness, conflicting information, and a lack of transparency that has caused significant inconvenience and stress. 

To begin with, I have repeatedly requested documentation to verify that the lease-in process was not completed properly, as well as the notes and records of phone calls that were supposedly recorded during my interactions with your representatives. Despite these requests, I have yet to receive any of the requested documentation, leaving me in the dark about the specifics of the process and how it was handled. 

Furthermore, I was instructed to drop off my leased vehicle, but it was not communicated to me that the necessary paperwork and procedures had not been properly completed. I have attempted to dispute the balance due for several months, but I have been consistently stonewalled by your organization. Despite numerous requests, I have not been provided with a direct email address or phone number for a manager, nor have I been given a corporate address to escalate my concerns.

On multiple occasions, I have been asked to file complaints on my own behalf, despite the fact that it is GM Financials responsibility to address these issues directly. To add to my frustration, the balance due on my account changes inconsistently across different platforms. The amount displayed on the phone pay system differs from the documents sent to me, which again does not match what is shown on the internet pay system. This inconsistency has only served to exacerbate the situation and has made it impossible for me to resolve the issue in a timely manner. 

Despite the numerous complaints I have filed with both GM Financial and the Better Business Bureau, this matter has still been reported to the credit bureau, further damaging my credit score. It is unacceptable that my efforts to address this issue have been ignored and that I am being penalized for a situation that has arisen due to GM Financials failure to provide clear, accurate, and timely communication. 

I expect an immediate investigation into this matter and a prompt resolution that includes a thorough review of my account, correction of any inaccuracies, and removal of any negative marks on my credit report that have resulted from this situation. 


Thank you for your prompt attention to this serious matter.
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Affirm Holdings, Inc (CA)

i reviewed my credit report and noticed some fraudulent accounts. could you please remove these accounts from my credit file report because they affect my ability to obtain credit, according to XXXX XXXX XXXX XXXX, it is illegal for banks and institutions to report any data to third-party companies without proper consent. please remove this information from my credit profile. it is unlawful for false and misleading denial of my unlimited credit based on XXXX XXXX XXXX XXXX of the XXXX code. 

AFFIRM INC Account number : XXXX Date opened : XX/XX/year> 2022
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity.The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

My account with XXXXXXXX XXXX XXXXs never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 in XXXX, XXXX, XXXX, AND XXXX 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. 

XXXXXXXX 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 2024-08-17
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (NY)

Overcharged membership fees. 
{$610.00} on XX/XX/XXXX for XXXX XXXX {$170.00} and {$99.00} on XXXX for XXXX card. Upgraded from gold card to reserve on XX/XX/XXXX so should NOT have been charged renewal fee. And {$170.00} fee for additional card was not requested by me.
Consumer complaint received 2022-05-18
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. (FL)

On XX/XX/2022, and XX/XX/2022, I collected payments via credit card for a wedding that we provided service for. The customer decided to dispute the charges, and our processor Square notified me. I immediately replied with a copy of the invoice, contract, terms and conditions, photos, and proof the job was completed. It was my understanding that this documentation was submitted to XXXX XXXX. On XX/XX/2022, I received notification via Square that XXXX XXXX ruled on behalf of the consumer, and I was not provided a reason as to why. I called Square and was told to call XXXX XXXX. XXXX XXXX told me that I can file an appeal and that Square must do so. Square did not do so, and they will not cooperate with me. I am out {$1900.00}.
Consumer complaint received 2024-08-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

RECENTLY I LOOKED AT A COPY OF MY CREDIT REPORT AND NOTICED SEVERAL INACCURACIES ON MY ACCOUNT. THIS ACCOUNT IS HURTING MY ABILITY TO OBTAIN CREDIT. IT IS MY UNDERSTANDING THAT YOU WILL INVESTIGATE THESE ITEMS FOR ME TO ENSURE ACCURACY. 

HERE IS THE ITEM I AM ASKING YOU TO VERIFY AS ACCURATE XXXX ( XXXX )
Consumer complaint received 2022-05-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (TN)

On XXXX I filed a dispute in the amount of XXXX as of today, NOTHING has came of it. On XXXX I was emailed and told a provisional credit of XXXX was applied to my account and I've not seen a dime of EITHER OF THOSE funds stolen from me! Numerous emails to support team about the two transactions fell on deaf ears, repeated scripted responses which didn't answer anything when/if I even got a reply, XXXX " provisional credit '' was NEVER APPLIED TO ACCOUNT ( I have proof merchant refunded those funds to my account so, all legal sense ... they stole my money ) and, repeated attempts to get these issues rectified since XX/XX/XXXX fell fruitless on the companys end! I've been far more than patient, my patience is gone! Attached is email from CashApp support proving the date I filed initial dispute on XXXX
Consumer complaint received 2022-05-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (FL)

XXXX XX/XX/2022 -- My renter XXXX XXXX sent me rent like he has done every month via cashapp -- for quite a substantial time. I logged into my $ XXXX cash app account and attempted to transfer the money to my newest account, since I was previously locked out of my old account due to my phone being stolen. I have done this same process for multiple months -- with absolutely no issue. My renter sends XXXX every month -- this month after a XXXX transaction posted to XXXX -- - {$430.00} was remaining in my account under $ XXXX. 

When I attempted to log into the account and send to my newest account -- Cash App signaled a " Suspecious Activity has been detected, your account has been locked for further review by a Cash App Support Member. '' So I opened a ticket requesting assistance -- as my monies to pay my rent are now locked down -- and the answer I get from Cash App for over 5 days now is : " '' Keeping your Cash App secure is our main priority, which means we have a variety of security measures in place to protect your account. 

Our security process reviews multiple data points in real-time to determine whether we can grant access to another account or balance. If anything appears out of the ordinary, we will not be able to grant access. 

I'm unable to manually override this decision or provide additional details, and no further action can be taken at this time. 

Thank you for contacting us! In the meantime, feel free to reply here if any other questions or concerns come up. I want to make sure we get everything taken care of. 

Regards, Cash App Support '' '' Meanwhile -- I have called and spoken on the phone with them twice -- I have verified my identity and verified any and all information on the account. Including All mailing addresses 's ever associated on the account -- The Bank Account attached to the Cash App profile -- Transactions - dates, times, amounts. 

And they refuse to provide me any assistance, or help me get my monies. I have now been served with an eviction notice because of this situation. I NEED HELP PLEASE!
Consumer complaint received 2022-05-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (OH)

I was advised by cash app customer support that the {$1800.00} and {$670.00} payments to $ XXXX were successfully refunded on XX/XX/22 AT XXXX XXXX to my linked debit card ending in XXXX prior to filing a payment dispute with my card-issuing bank ( XXXX ) on XX/XX/22 AT XXXX XXXX. I have contacted my bank ( XXXX ) and they advised me that they have never received a refund from cash app regarding these payments. The payments were unauthorized and were a scam. The card ending in XXXX was stolen and a new card had to be ordered.
Consumer complaint received 2022-05-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (LA)

Cash app!!! my account was hacked. My bank return the funds now cash app telling me that I owe them the money!!!! and I can't close the account they also said I should get people to cash app me some money so they can keep the money. I sold my XXXX XXXX stock for {$130.00} and they kept my money. I'm try to close all the accounts that was hacked and everyone is acting like I owe them something there is so much fraud going on. I know XXXX XXXX will be the next company I'll comp! ain't about. Thank y'all for helping me
Consumer complaint received 2022-06-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (SC)

I have cash app and last Thursday a friend sent me XXXX. I did instant cash out and never received my money. Now they have taken it out of my account twice more and now owe me over XXXX dollars. I have tried on many occasions to get my money with no resolution and i personally believe I was scammed.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Kindly dispute the bankruptcy that appears on my credit report, I'm writing. I have a court letter stating to the fact that this bankruptcy should not to be published. This situation gets worse by the involvement of an unauthorized third party.
Consumer complaint received 2022-05-18
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. (SC)

On XX/XX/2022 the IRS informed me that my federal income tax payment was being released to cashapp/ XXXX XXXX  for the amount of XXXX. They gave me the Trace number for this payment I informed cashapp/ XXXX XXXX  about this deposit that was being sent and they told me I couldn't access these funds for security reasons. I have been trying to access this money now for over a month, but I keep getting the run around like they are trying to steal this money from me. I provided all the information they asked me for and more and they still wouldn't let me get my federal income tax payment that was deposited in My Name in a account I started to receive this payment from the IRS
Consumer complaint received 2022-05-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Block, Inc. (NV)

I have a business that I use Square inc to process my purchases. Square is withholding my funds for 90-180 days. My business accounts are now in the negative as well as my business line of credit. Because of this they have no support through customer service and no alternative is offered.. I offered to present my business documents but they wont review them
Consumer complaint received 2022-05-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Block, Inc. (GA)

On XX/XX/XXXX I had mail from Square , Inc. It was another business debit card that I did not want or request. Today I called and went onto their website to work on getting the account closed, but they have work hours that don't match my life, so I will have to try again tomorrow. 

Once again I do not know who opened this account, what the business name or purpose is, and if any or how much financial activity has occurred on this account. 

What I want is for this to stop! I want this account closed. I would also like any information about this fraudulent account forwarded to the XXXX XXXX Sheriff 's Office in XXXX, Georgia under case number XXXX. 

I have checked my XXXX report again and no request or inquiry from Square is there, so I would also like for them to find a way of verifying applicant identification when creating new accounts. If my credit were run they would have notice the fraud alerts and credit freezes. Had they run the XXXXXXXX XXXX  report I would be fighting with them to have some from of alert system added to my account. As it is I am spending more time, yet again, on this!
Consumer complaint received 2023-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (IL)

Im writing this mainly due to the fact my care credit app popped up to send an automated email that they filled out asking to keep using care credit. 

I just want to put in a complaint on their predatory deceptive act of how they trick you into thinking you paid off a promotional balance when you actually dont and end up with a lump sum of interest. 

I had thought I made a promotional balance payment, due to how the app was designed and how I got an email congratulating me on paying off this promotional balance. I was pretty happy being it was paid off a month early. 

Well, partly my mistake I wasnt reading my statements just making my payments. I had looked at my statement this month, so see I had paid {$400.00} in interest and thus investigated. Turns out this balance was never paid. When I reached out to the company and explained, they said I never requested an allocation payment by phone call. They refuse to help because my statements had said that the balance was due, and again part my fault for just making the payments on time and not reading the fine print Maybe Im just XXXX but its really XXXX when you are pushed into signing up for this card and theres probably 10 million things 8 signed and agreed to, but it doesnt feel fair as it is pushed at a time when it is harder to think and youre worried about your medical situation not reading information on the XXXX interest if paid off in full care credit card youre signing up for. 

I would have done better to look into other options, or I may have at the time even qualified for government assistance that didnt seem necessary because the care credit card had me covered! 

I was able to afford to pay off my card and vow never to use it again, but I can only imagine the incredible amounts of debt others could get into and be hard to get out of.
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: EQUIFAX, INC. (AR)

I am filing this complaint because I have disputed inaccurate account information for XX/XX/year> and XX/XX/year> to no avail with the consumer reporting agency Equifax. The CRA holds multiple incomplete accounts. These accounts were disputed but was left unresolved. According to the FCRA, incomplete accounts must either be updated to make the account complete or deleted because incomplete accounts are unverifiable. I am making another attempt to dispute these accounts, but this time I want to make sure the Equifax is compliant with the proper procedures required according to federal law. CRAs are to ensure maximum possible accuracy of credit reports. CRAs also have a bad habit of " parroting '' information to the creditors and rely on their responses rather than conduct their own reasonable reinvestigations. That is in fact one-sided and unfair.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CarMax, Inc. (TX)

XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XX/XX/year> CarMax XXXX XXXX XXXX XXXX XXXX, VA XXXX Subject : Dispute of Charge-Off on Account No. XXXX Dear CarMax, I am writing to formally dispute the charge-off that appears on my credit report for the above-referenced account. According to my records, the amount charged off is {$8400.00}, and the past due amount as of XX/XX/year> is listed as {$8000.00}. I request that you investigate this matter and provide verification of the account details and the validity of the charge-off. Specifically, I am requesting : 1. A complete payment history, including any missed payments leading up to the charge-off. 2. Documentation supporting the amount charged off and the amount past due. 3. Copies of any correspondence or communication sent to me regarding this account prior to the charge-off. I believe there may be inaccuracies in the reporting of this account, and I am requesting your assistance in resolving this matter promptly. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to have any inaccurate information corrected or removed from my credit report. Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request validation of the debt. If you are unable to validate the debt, you are required to remove the charge-off from my credit report and cease all collection activities. Please acknowledge receipt of this letter and inform me of the steps you will take to investigate my dispute. I look forward to your response within 30 days, as required under the FCRA.