davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-02
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. (TX)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2024-05-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2022-09-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (HI)

I've been in contact with a number since XXXX of last year I thought It was a real thing but all they do is nag me for money that I don't have. I've already had to switch banks because of fraudulent activity and they keep threatening to send someone to my doorstep to collect the so called debt .... I've sent them over XXXX of my hard earned money and I'm just scared they will come after me and my family. They've used my XXXX, Cashapp, and XXXX accounts to their liking and it's really infuriating I just want them to be gone ....
Consumer complaint received 2022-09-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (CA)

Around XX/XX/XXXX I started dating a person who totally took advantage of me, only got close to me to have access to all my personal belongings and information etcetera etcetera. 
First incident occured wen he misled me n took about XXXX cash from me to use to purchase a car from his friend that works at a tow yard, he bought a car but never gave me access, and tries to make me believe a story that's different from what was originally agreed upon, so meanwhile had no access to car, less funds he brakes my phone, making it impossible for me to access financial information like 2 step verification to access these accounts, I then forgot my broken phone in his car, which I let him know I need in order to answer a verification code call that I can answer n press whatever numeric key they asking me to press, if I'm able to guess the position of the keys on my backed out cracked screen, anyway he then I'm guessing took it in to his own XXXX to log in from dif dev, wait for verification call, n successfully using the info I gave him regarding accessing phone with broken screen, so then wen I finally got a replacement device I noticed XXXX XXXX dollars missing as well as some uathoeized transactiona, I confronted him about it he totally denied it, but that was red flag number 1, then he stole a truck I bought off of my friend that I was hiding in garage for that specific reason, then truck was gone he was gone n in the middle of it all an acquaintance stopped by, I was in the midst of looking for a vehicle since I had just received a check from insurance for a car accident that occured back in XX/XX/XXXX, I then found a car, n wasn't able to withdraw all funds at once so I let an acquaintance play with my phone as he seems to be genuinely interested in helping me find a solution, but Instead he send over funds to his cash app I demanded my funds back n asked him why he did that n said he didn't know how to read or write n that it was an accident, didn't get funds back tried reaching out to cash app XXXX XXXX n denied my claim for both disputes of unsthotized fraudulent activity going on during those really hard times
Consumer complaint received 2019-06-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XXXX is misrepresenting my debt, allowing the debt to incur outstanding interest before charging off. Ive have tried to contact bot no resolution. Them not charging off debt is only allowing for more interest charges to incur so it can amount to a huge amount that is far from original amount owed
Consumer complaint received 2022-09-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (FL)

On XX/XX/2022 I filed a complaint to Cash App regarding fraudulent Transactions. I tried disputing 4 transactions, but it only allowed me to do 2. 
The 2 transactions that I disputed were one in the amount of {$110.00} and the other in the amount of {$170.00}. These disputes were denied by Cash-App. I tried requesting a refund from the person the money was sent to and she denied them. 

I called Cash-App costumer service line on XX/XX/2022 to get more assistance. The agent I spoke to informed me that there was nothing that could be done by them and that the only way for me to get my money back was if I filed a dispute with my financial institution. I did exactly that. I filed a dispute on XX/XX/2022 with my bank and they were able research and get my money back. They also closed my old card. 

On XX/XX/2022 I had a balance of {$140.00} in my cash balance account and I noticed that cash app recharged me the {$110.00} and the {$170.00} that I previously disputed which now puts me at a balance of - {$140.00}. When I asked about why I am being charged I was told that it was because I disputed them. 

I am not understanding why I am being recharged for a dispute Cash App was not able to assist with in the first place? 
I really need help getting this resolved.
Consumer complaint received 2022-09-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (CA)

basically somebodhy stole my XXXX  and i imedietly started calling my XXXX XXXX XXXX and other apps or contacting them in order to block my accounts or cards. my problem was with cash app, i was unable top reach a human, which at the time was not a possability as cash app did not have real people to talk to or offer. i had to log in to the app in order to do so but all i was able to do or allowed to do was send an email. it took cash app 1-2 weeks to contact me but instead of blocking theives, protecting my funds, bitcoin and stocks, cash app practaces allowed for a perpetrator to hack into my cash app, use my email, my phone number to change all my info with cash app and lock me out of my account. still today 2 years later after openig cases, filing police reports, sending a detailed report to cash app, sendinig my identity and going throuogh cash app idenity process, after opening a new account with my same info that was higjacked, after all of this and still attemtpying to contact cash app about it. there ianswer is that they can not allow acess to the account, they can not help me in any way and basically not allowing me acess to my half a bitcoin, multiple stocks, and cash in the app, basically robbing me and not giving a care in the world. at the time the value was close to alltogether aroundf XXXX with XXXX of it bitcoin the value of that coing XXXX to around XXXX monts or weeks later. it was all the money i had, it was everything..but i dont know what was stolen or what is still there in the account.
Consumer complaint received 2024-05-20
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. (VA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-05-20
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. (CA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-05-20
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: Experian Information Solutions Inc. (FL)

I have not authorized, nor recognized the following inquiries. These statements are shown from 3 different credit bureau. 
As an action Ive placed a fraud alert on my credit with Experian until l get to the bottom of this matter. 

XXXX 8 unauthorized inquiries : XXXX  XXXX : 5 Inquiries date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 The following are unauthorized mixed with unknown inquiries from lenders, banks, credit cards all without my knowledge. 

Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Following are credit cards inquiries unknown XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
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. (AZ)

I am writing to report a case of identity theft and request immediate action to prevent further unauthorized activity on my credit reports. As advised by my credit bureaus, Experian, XXXX, and XXXX, I am submitting this report to block the fraudulent accounts and protect my credit information. 

I discovered that my personal and financial information had been compromised, resulting in the opening of multiple accounts in my name. These accounts were not authorized by me, and I am unaware of the individuals or entities responsible for the identity theft. 

As advised by my credit bureaus, I am requesting that all these accounts be immediately blocked to prevent further unauthorized activity. I also request that all inquiries and credit applications associated with these accounts be removed from my credit reports. 

I appreciate your prompt attention to this matter, and I look forward to resolving this issue as soon as possible.
Consumer complaint received 2022-10-12
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. (NV)

Call me its urgent its many consumers a hacker named XXXX XXXX Has hired XXXX  to hack me steal from my bank and close my accounts And sone very serious things to me Cash app is so bad thry steal and yhrn XXXX talk yo me and call me a liar Please call me this is serious XXXX Thank you Its emergency with yhr hacker she stole my entire identity y Thanks, XXXX XXXX
Consumer complaint received 2019-06-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL (CA)

This is in regards to my XXXX XXXX XXXX application serviced through Synchrony Bank. 
I was so excited to hear that XXXX was offering this, as I have been in the process of rebuilding my credit. Ive been a prime member for years and this would be a great way to help with my credit building process. 
I applied on XX/XX/2019 with my SSN # and was approved for the secured XXXX XXXX. I received an email stating that I was approved and that I could follow a link to be able to deposit onto the card. The link is XXXX. I followed the link which takes me to the help section of the credit cards listed on XXXX XXXX. There is no link or information on how to deposit to get this account going. I have spoken with XXXX support about this and they directed me to contact Synchrony Bank about this account. 
I did so on XX/XX/2019 at approximately XXXX pacific time. I was transferred 5 different times, hung up on twice, was even told that I didnt have an account. This account has still not been funded. The last representative I spoke with informed me that if I was using my phone that could be causing the issue with the link. I just tried on my laptop at work and I still get the same issue. The manager informed me that I would need to send a check to set up the account. I refused this with me stating, that the number which was dialed to get in touch with her says with options that I can fund this over the phone with my checking account routing number and checking account number. She dismissed this stating that they dont do this. 
I am very disappointed in the customer service and disrespect that I was received. This is on on my credit report as a hard inquiry and I would like it to be on there as a credit card. The business practices that was shown today by Synchrony Bank has forced to file a complaint with not only Synchrony Bank organization but also with XXXX, the CFPB and the XXXX. Its a shame that Im doing my best as a consumer to pay off my debts and to improve my credit worthiness that a company would put someone through this and yet still have no solution. 
Please contact me for any questions regarding this matter as I would like a follow up as this is on my credit now.
Consumer complaint received 2024-05-20
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. (CA)

I am writing to dispute and request the correction of inaccurate information on my credit report. Upon reviewing my credit report, I identified an account that is inaccurately reporting late payments. I have contacted the company associated with this account, and they have confirmed that the late payments were errors and have agreed to update my account and remove the late payments. 
I would like to point out that other credit bureaus have already corrected this account on their end. Therefore, I kindly request that you update my credit report to reflect these corrections. I understand that you are required to conduct a reasonable investigation into disputed items, and I ask that you investigate this account promptly and make the necessary corrections. 
XXXX XXXX.
Consumer complaint received 2022-10-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Block, Inc. (MO)

On XX/XX/22 Square loans pre-approved our business XXXX XXXX XXXX XXXX XXXX XXXX XXXX for an XXXX XXXX in the amount of {$2700.00} with a repayment term of XXXX percent of our daily credit card sales usage daily to pay back to loan. This was based off credit cards taken with a Square terminal during the periods of XXXX through XXXX that we've done. Based off transaction history. 

On XX/XX/22 we got an email from Square loans requiring more information. Connected through our account we had an XXXX that we dissolved when we formed the XXXX XXXX therefore all processing history would be under the new business and the LLP would dissolve, ceasing any processing. The only reason that the account was left open, was to distinguish at the end of the year taxes for the LLP and the XXXX Square doesn't send out multiple tax forms for processing in the SAME account for businesses. 

That being said, we stated the exact reason as above that the LLP dissolved and we converted to a C-Corporation. 

On XX/XX/22 Square Capital sent an email back denying of for the XXXX because of the processing volume of the LLP and that they require us to continue processing sales under the LLP. Unfortunately as I've stated to numerous representatives is that we dissolved the LLP and only use the XXXX XXXX therefore we can't process payments as we closed the LLP. 

I got an email back from a supervisor stating that they declined the loan because of the LLP not processing volume, anymore. 

To sum it up, Square loans is being unethical and discriminatory because they are basing their decision to deny a loan, based on a business that is no longer in business an dissolved. As we've told them numerous times, we can't process under the LLP anymore. It has to be done under the XXXX XXXX which is XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 

Square knows this 100 % we informed them promptly when we formed the Articles Of Incorporation for the business, therefore the Square loan would be transferred to the new business. In which we will be done paying that loan within this week. 

They are basing our loan information and decisions on a company that we no longer have, therefore is the reason for the decline. 

The pre-approval also that was sent was for XXXX XXXX XXXX XXXX XXXX XXXX XXXX, not XXXX XXXX XXXX XXXX XXXX XXXX. 

Therefore our business based off the processing volume was pre-approved from the Corporation, not the LLP. 

The loan offer was unethically evaluated and discriminatorily judged based off an dissolved business. We have constantly paid off our loans with Square in a timely manner and way before the dates given when the loan would come to an end.
Consumer complaint received 2022-10-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (OK)

It is actually my cash app account someone hacked it and had seven transactions to XXXX  in New York in a matter of 3 minutes over {$1200.00} missing I live in Oklahoma I called and reported the problem XXXX minutes after it happened they said I would hear from a private investigator within 10 days never heard anything from anybody so I emailed them they responded with a we did not find any suspicious transaction or an error so your case has been dropped but what makes no sense to me is they said they block the person that did it so it couldn't be done anymore so if they block them how is that not suspicious activity I feel they didn't even try to fix this problem
Consumer complaint received 2022-10-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (VA)

Tried get money sent from cash app and spoke to XXXX XXXX XXXX. This person said he was a cash app agent, who processed the initial transaction then advised cash app was needed. Once the steps for the update was followed they drafted from my Grandmothers account 3 times for unauthorized transactions that never came to me and the bank has no record.
Consumer complaint received 2022-10-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc. (OR)

On XXXX XXXX dollars was transferred in to a square account. 

XX/XX/XXXX I tried to transfer the money out and make a purchase, it was denied. 

On XX/XX/XXXX I got an email saying my account was closed and I can wait 3 months latest XX/XX/XXXX for my money to be returned. 

On XX/XX/XXXX communication with 2 customer service representative that had no information but please see terms and agreement XX/XX/XXXX communication with a manager who stated I needed to complete a form and it wasn't complete so they closed it. He reviewed my account as I stated I received nothing form them not an email, nor app nor anything else. He said unfortunately it's the banks they partner with and I had to wait. 

XX/XX/XXXX I got a debit card from Square stating to activate. My account is frozen and I can't activate it.