davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-15
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

In accordance with the Fair Credit Reporting Act XXXX  Acct # : 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 an account without my written instructions.

I contacted XXXX XXXX XXXX on XX/XX/XXXX at XXXX to inquire about an account that was closed XX/XX/XXXX. I spoke to XXXX rep with XXXX XXXX XXXX  and he stated after the account was closed and charged off XX/XX/XXXX he then stated the company was charging the account {$30.00} for 8 months after the account was closed. he then transferred me to a senior account manager by the name of XXXX. She repeated the same think XXXX stated I corrected her and said Im seeing a {$39.00} late charge on this account and was charged for 8 months after the company closed the account and charge the account off XX/XX/XXXX on the call with mark i did inform him I was recording the call also since his company was recording the call. I informed him it is a against the FCRA to charge clients on a closed account. XXXX transferred me to another Senior account manager name XXXX. XXXX hung up when the call started she did not inform me the call was being recorded. I did inform her I was recording thats when she tried to say the call was being recorded and said I dont agree to you recording my call. She hung up saying i do not agree to being recorded. I advised her its against Consumer Law to charge late fees to a closed account. They refuse to validate the account. This company is reporting inaccurate information on my credit file.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

It is disheartening to come across an error indicating a late payment on my account, especially considering my consistent track record of meeting payment deadlines. This oversight is causing unnecessary stress, and I urge you to promptly correct it by ensuring my records accurately reflect my payment history.
Consumer complaint received 2024-04-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NY)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2019-06-17
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: AMERICAN EXPRESS COMPANY (NY)

XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : XXXX XXXX XXXX , NY XXXX LETTER OF EXPLANANTION On XX/XX/2019 Ive ordered a Silver Signet Ring on XXXX XXXX XXXX website online. The online order should be containing single XXXX XXXX XXXX Branded Silver Ring in brand new condition. For that Ive been charged {$460.00} accordingly. The item has been delivered to my location in rough-conditioned box. When Ive opened a shipping box Ive found XXXX-branded box with white Ribbon and pouch and papers, but inside this box was different from what Ive ordered online it was roughly shaped middle size ring made of silver. Ive instantly reported the issue over the phone to XXXX XXXX XXXX   Customer Support and Ive been advised to use pre-paid XXXX shipping label to return the item back to XXXX XXXX XXXX Facility in XXXX, NJ in order for them to investigate the matter. The package was returned back on XX/XX/2019 via XXXX TRACKING XXXX. Ive got a confirmation email from XXXX that they have received the package and while investigating the matter, I should have expected a refund issued back to my XXXX account within next 3-5 business days. However, it was never issued and I didnt receive any further communication from XXXX. Ive made a call on XX/XX/2019 in order to clarify why the credit wasnt issued, however didnt receive a direct response and decided to file a billing dispute with AmEx. At the meantime, without nor my prior consent nor authorization, XXXX XXXX XXXX  decided to ship the package back to me, claiming that theyre not responsible for that incident and instead I should be liable, which is concrete violation of my consumer rights. However, the original package has been successfully returned back to XXXX XXXX XXXX  with XXXX Tracking XXXX on XX/XX/2019. 

Ive supported my claims with all necessary supporting documents. Please, find them attached to this brief. Additionally, such questionable business practices already have been reported by me to FTC and XXXX and other governmental institutions. Please, consider such documents as well. 

Under United States of America Public Law 93-495, Fair Credit Billing Act, Section 166 Im kindly requesting American Express to credit full amount of {$460.00} back to my XXXXXXXX account and consider the matter resolved, since Ive returned the item back to the XXXX XXXX XXXX . 

Kind regards, XX/XX/2019 XXXX XXXX XXXX
Consumer complaint received 2022-10-18
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Block, Inc. (MA)

XXXX XXXX I was told today would be the the day I would find out why square has been holding my funds since. XXXX XXXX. I keep getting customer service who say theyre escalating the case. Still not sure what that means? Not sure whats being reviewed? I have answered questions regarding change of account information that I changed by square via phone. 

No one reached out to me, I called square 3 times on XXXX XXXX. I finally received after escalating the account, It will be another 3-5 business days for review team to get back to me. No one has gotten back to me in 21 days as to what exactly is going on in my account. I have multiple calls and emails stating my concern. Square is holding estimate of {$8000.00} of my funds, I have had no access or answers where my money is? I have a family and employees. To hold someone income like this is completely disheartened and downright unfair. Ive been a customer for 5 years and never felt treated so unfairly in a situation. Unfortunately its come to where Im going to have to take legal steps to finally get to the bottom of why square has been holding my fund for 21 days with no explanation by their review team.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (LA)

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX  XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Inquiry 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 2022-09-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc. (TX)

Cash App services has not only taken my legitimate student loan refund money, they are now refusing to cooperate and holding the sum ransom in the following ways : - they are not indicating why the money is being held or rejected. 
- they can not provide a timeline of when this will be resolved. 
- they are not providing any details whatsoever regarding what the issue is. 
- they are in violation of the CCPA as they can not provide any details whatsoever for fraud and theft of money that is mine. 
- The associate can not even give me their own name. 

They can not or do not even have proper procedures in place to be able to send the transcripts of the support chats when asked which is another violation.
Consumer complaint received 2022-09-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Block, Inc. (MI)

I will continue to file complaints until this is resolved. Let me know if you need the police report number. 

On XX/XX/2022, I was forced to send {$600.00} on cash app to cash app name XXXX  XXXX ( XXXX ). I was held against my will and had to reach out to get the money from others on cash app. The police were called and he was arrested. Additionally, he stole my car keys. My cash app name is XXXX  XXXX ( XXXX XXXX XXXX is my name that is listed there. I have the police report number which I've offered to provide to cash app. They have been unwilling to assist ; however, I do not believe he should keep my money after it was forcefully taken during the act of a crime.
Consumer complaint received 2022-09-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Block, Inc. (GA)

I received payment XX/XX/2022 in the amount of {$300.00}. Square all across the internet promoting & advertising " Instant Transfer '' which is a deceptive act form of advertising. Today, XX/XX/2022, I've been waiting 5 whole business days to access my funds. I've encountered arguementive, unprofessional, rude Square customer service Reps since XX/XX/2022 trying to access my funds.Phone conversations from the above dates really need to be pulled from the above dates listed. Today, after finally realizing that Square isn't socially responsible and continuous waiting, I requested my refund of {$300.00} back to card ending XXXX. Now Square sent me a email of holding my funds " hostage '' again for 7 extra days. Why is Square allowed to tack on extra fees, false advertise, be rude to consumers and it's taking me, so far three complaints? Its bad enough the world is dealing with inflation, and now this. Very unfair to consumers, on all levels
Consumer complaint received 2023-03-09
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

Account Number XXXX Account Number XXXX Account Number XXXX Account Number XXXX Account Number XXXX CAPITAL ONE {$1500.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX {$660.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX  {$350000.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX  {$100000.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX {$10000.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT
Consumer complaint received 2022-09-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Block, Inc. (GA)

I reset my password on Square Point of Sale. Invoice payment paid XX/XX/2022. I opted for instant transfer. Square fees, initially {$9.00}, which left my balance at {$290.00}. Another option added, adding more fees for the advertised " Instant Transfer '' to {$280.00}. When I click on the option to transfer, my funds are not available, suspended by Square. Several calls to Square customer service since XXXX, which is the time advertised. Actual time Square take calls, told to me by a Square representative, XXXX. Once I finally spoke with a representative and requested to speak to a Supervisor, the representative didn't know her job description, yet she speaks on " behalf of a Supervisor, puts me on hold, " allegedly to transfer me to a Supervisor, didn't happen, I received a " Text message ''. I was told I have to wait " 4 '' days for access to my funds. My account has been verified on my XXXX XXXX, yet Square holding my funds. I have my screenshots as proof. From the last screenshot, my money want be available for 6 days, XX/XX/2022. This is unacceptable.
Consumer complaint received 2022-09-26
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. (NJ)

My cashapp card was stolen back in XXXX and was used in a XXXX in XXXX, PA. I contacted cashapp support as soon as the I discovered the fraudulent transaction and they wouldn't help with recovering lost funds ( I contacted them the same day the transaction took place ). I contacted them again a few months later now in XXXX to follow up with why they couldn't handle my claim earlier. The representative said she would forward me and email to help with my problem. I never received the email and I'm still missing {$260.00}. Cashapp is in violation of the Fair Credit Billing Act 15 U.S.C. 1666-1666j, This Act, amending the Truth in Lending Act, requires prompt written acknowledgment of consumer billing complaints and investigation of billing errors by creditors. The amendment prohibits creditors from taking actions that adversely affect the consumer 's credit standing until an investigation is completed, and affords other protection during disputes. The amendment also requires that creditors promptly post payments to the consumer 's account, and either refund overpayments or credit them to the consumer 's account.
Consumer complaint received 2022-09-26
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Block, Inc. (IL)

I received 2 CASH APP prepaid cards that I never requested or applied for in the mail. Once card ends in XXXX and the other ends in XXXX. 

I contacted CASH APP but they refused to do anything in regards to closing the accounts or investigating them as fraudulent. 

I want these accounts closed and investigated as fraudulent because someone else might have applied for them.
Consumer complaint received 2023-07-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P. (TX)

I settled a XXXX debt and I am not in distress with another company being sold the difference in the debt. I made a settlement with XXXX XXXX. We settled on a debt for XXXX and I paid {$900.00}. Now I receive an attempt from Southwest Credit Systems for {$240.00}. This is very much predatory and scamming. XXXX shouldnt have settle a debt to sell the other and also given my info to other companies after we have made an arrangement to settle. I sent a letter to say, Dont not share or sell my info to other companies and it was disregarded. XXXX  owes me a settlement for this breach. There is so much fraud in this country that privacy right, requests and wishes should always be upheld 1st. Southwest Credit and XXXX should Cease & desist immediately for now and any future attempts. I wish to remove all my information from their systems forever and never be contacted from either on any attempts due to the predatory harassment shown in this despicable attempt.
Consumer complaint received 2024-07-03
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)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/year>, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 
XXXX XXXX Balance Owed : {$260000.00} XXXX XXXX Balance Owed : {$260000.00} XXXX XXXX Balance Owed : {$260000.00}
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

Dear To Whom may concern, I am writing this letter to you that I agree to pay any financial obligation which I might lawfully owe, ON THE CONDITION that you provide : 1. Validation of the debt that is the actual accounting.

2. Verification of their claim against you : that is, a signed Invoice.

3. A copy of the contract binding between me and you in a letter by certified mail.

4. Full disclosure because I was not told that I was creating the credit with my wet ink signature.

5. Equal consideration because you as the creditor brought nothing of value to the table.

6. Lawful Terms and Conditions.

7. Wet ink signatures between you and me.

Reporting information you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act.

Thank you for your attention to this matter.
Consumer complaint received 2022-09-23
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Block, Inc. (CA)

On XXXX XXXX a deposit of {$1400.00} I received a payment from the IRS but I already had lost my debit prepaid card and information to it and I can't find my account on cash app do to not remembering my email or phone number or cash tag so the company cash app can't find my account without that information but I have all my other legal information like ID and social security number but the company cash app won't accept that or even look for my account using the account number from the IRS
Consumer complaint received 2022-09-22
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. (NY)

During the month of XXXX I have been charged multiple times by XXXX in NXXXX and have been denied service. The XXXX of XXXX told me to inquire with my financial institution. ( Cash app ) and they blatantly told me it's not their problem they can not do anything. Also was directed to wrong support. They did nothing to resolve issues and have been at many disadvantages and embarrassed because of their way of conduct. 

I do not know what actions to take to be reimbursed for the 10+ times they charged me and denied service.. 

It is only cash app that does this when paying for XXXX and they need to resolve the payments.. 

If this is happening to me imagine the millions in XXXX this is effecting.. 

Cash app needs to solidify this with XXXX or not be involved in the payments with XXXX Please get back to me about information on this case. 
Sincerely XXXX XXXX
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 



XXXX XXXX XXXXXXXX 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 XXXXXX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to XXXX for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. 

I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I have tried several times to request inaccurate personal information to be deleted from my Experian report and have been unsuccessful. 

On XX/XX/2024 i sent a notarized letter via certified mail with proof of my legal name and current address and requesting for any other incorrect address or name to be deleted from my account. Experian has refused to delete addresses that does not belong to me because per them i have open accounts attached to those addresses of which i have no knowledge or attachment too. I have provided proof of my correct personal information ( Name, Address, Social ) and they still wont delete the inaccurate address thats being wrongfully reported.
Consumer complaint received 2022-09-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (GA)

I was contacted by a female claiming to be a XXXX XXXX XXXX XXXXXXXX she gave me her cash app to transfer funds to so that I could invest in the company she claimed to work for. That company was XXXX XXXX XXXX and I transferred money to her via cash app and I could then track my Investments and see the money being made. Both sites were being ran by scammers and they had a mirrored website for the XXXX XXXX XXXX I transferred a total of {$5000.00} to her via cash app. And {$5000.00} via XXXX
Consumer complaint received 2022-09-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc. (NJ)

On XX/XX/2022 I deleted my old bank account from my cashapp account. I manually added my new account. 

I cashed out {$540.00} and when i checked it said My old bank name. I always cash out to my bank! 
I contacted Cashapp they told me the bank account i added was not supported so they sent it to my old debit card. 

I was never PROMPTED or giving the OPTION to choose where I want my money to cash out too. I was never told that the new bank account was not supported. 

THIS IS A BIG ISSUE! The " Cash Out '' process is MISLEADING AND CONFUSING!! 

I received a call XXXX from this number XXXX the XXXX person got smart with me and refused to give up her name.