davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Block, Inc. (FL)

I attempted to transfer a small amount to my Cashapp account as I have done in the past but the wrong amount was transferred. 

I immediately contacted CashApp and the representative I spoke with was very adversarial. I informed them that wrong amount was transferred and this created a hardship for me. The representative was very dismissive and told me that it could not be cancelled. 
I explained several times that the transfer amount was a serious mistake and I needed help to resolve it. 

The representative was so negative that I requested to speak with a supervisor. I was then told that it would take several hours for a supervisor to contact me. I explained that this was XXXX XXXX and that this problem was just unbearable. 

The representative told me that a Supervisor would inform me of the same information that they shared. I again requested to speak to a supervisor and I was transferred to XXXX who was very condescending. He stated that he could not cancel my transfer because I accidentally made a transfer. He told me he would look into my account and then I was informed that he closed my dispute and I would have to contact customer service another day to address it, after I requested my reference number and again requested to speak with a Supervisor. 

XXXX, unethical predatory business practices is criminal and they should not be allowed to operate a business with cutthroat tactics being utilized against consumers. 
There is something wrong with the app itself. I entered {$2.00} and instead the app transferred {$250.00} from my account. This is not accurate and I pleaded with Cashapp representatives to cancel the transaction because it was fraudulent. 
The representatives I spoke with in the App deliberately stone-walled me to prevent transferring me to a supervisor. The in chat messaging took place for over an hour and I directly contacted CFPB because it was demoralizing and completely wrong that I had to endure this level of abuse on XXXX XXXX.
Consumer complaint received 2024-05-27
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. (MS)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2024-05-26
Product: Credit 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: WELLS FARGO & COMPANY (TX)

My XXXX was XXXX XXXX XXXX XXXX XXXX  in mid of XX/XX/2024. I have been frequently taking her to XXXX XXXX ( XXXX XXXXXXXX XXXX  ) and other hospitals for XXXX XXXX XXXX XXXX XXXX Around the same time I have lost my Wells Fargo credit card ( Ending XXXX ). Since I was upset and distracted by my XXXX XXXX XXXX I didn't notice until later XXXX with lots of Unauthorized transaction totaling around {$7000.00}. I reported to Wells Fargo right then. Now I seen the charges back and they are not ready to resolve it. I try to figure out myself about those charges and most of them seems likes to be online purchases. I want Wells Fargo to provide the details of their investigation like where were those online transactions made and where they were delivered. Since they are not doing their job I will do my investigation and figure out. This is unfair with me to pay for something that I did not make use of or not authorized by me. I want all the reported charges credit back ASAP. 

I am already in a lot of XXXXs due to XXXX XXXX XXXX. Please Assist.
Consumer complaint received 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

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 & block 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 block/remove these files. 
XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-20
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. (OH)

On XX/XX/XXXX, XXXX XXXX XXXX XXXX ) an XXXX XXXX XXXX showed up at XXXX XXXX XXXX XXXX to purchase 2x new fridges and 2x new gas stoves. He said that he was in progress of " renovating '' a double unit house in the area and that his " boss '' put him in charge of getting some new kitchen appliances. We eventually came to a deal for the 4x appliances at XXXX $ and he would be picking them up. I checked his ID and credit card for matching name etc. It matched up, but the credit card was infact a business card. It had the business name ( which I can not remember ) and then his name, XXXX XXXX. The card was beat up, but did not have any sketchy attributes ( aka unaligned letters etc. ). He went to pay, but neither the swipe or chip was working. He said it had been acting up lately, which was suspicious but does happen sometimes... I told him to come back when it works and the deal will still stand. He came back the following day and pulled out the same card. He told me it should work and that we can just key it in. I was reluctant, but the guy was persistent and did not seem weird about it ... also the fact that he tried to make a deal in the first place was not typically of a fraudulent transaction. He paid the XXXX XXXX got a XXXX to pick up appliances, and then was back in roughly an hour. We loaded him up and he was gone. We thought everything was fine until we recieved a credit card dispute through Square on XX/XX/XXXX for the whole amount with the reason being that they did not know about the charge. We then reached out to XXXX XXXX phone # from one of our shop phones that he would not recognize, and said " Is this XXXX? '' and he replied " Who is this? ". Note he did not deny that it was not him. We then directly confronted him about the dispute, a read receipt popped up showing that he saw it. We then tried to call, and the phone immediately went to voicemail and the messages would no longer go through. We were blocked/his phone was disconnected. 

Police Report # : XXXX
Consumer complaint received 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

The Current address is not accurate. Please help and fix this. Inaccurate previous address. Requesting for an investigation. 
XXXX XXXX : XXXX : High Balance : The field is inaccurate and inconsistent with fields from other bureaus. Please investigate and correct the item. Last Verified : A potential discrepancy in the credit report is evident as it doesn't align with other reports. Please verify this, and if necessary, amend it. Date of Last Activity : Possible inaccuracies are present in the credit report for this field. Take the necessary steps to resolve the issue that has been raised. Date Reported : I'm contesting the information in this field because I need you to follow the law and ensure that it is currently 100 % correct, even when it seems to be different from the other bureaus. Please conduct your research and provide me with updated facts. Date Opened : The data reporting for this field poses an issue due to its inaccuracies. Eradicate all mistakes. Closed Date : There appears to be an error in this segment of my credit report as it contrasts with other reports. I kindly request you to examine and address the matter in question. Account Rating : The field provided is misleading and does not align with the reports from the other bureaus. Please ensure that you thoroughly inspect and remedy any errors. Comments : Possible errors exist in this field located on my credit report. I demand that the cited problem be resolved. Account Type : This field evidently has issues that need resolution. I'm insisting on the immediate amendment of this item. 
XXXX XXXX XXXX XXXXXXXX : Last Verified : Given the way the credit information is presented, it is deemed imprecise. Make the necessary adjustment as soon as possible. Date of Last Activity : The credit report displayed a field inaccurately, differing from reports of other bureaus. Investigate the information in question and correct accordingly. Date Opened : The field 's information is misleading because it is inaccurate. Correct this field. 
Under the FCRA 15 U.S. Code 1681i - Procedure in case of disputed accuracy its been over 30 days with the dispute theyve Violated my rights and I would like these deleted.
Consumer complaint received 2022-12-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Block, Inc. (NJ)

I have a cashapp account and the corresponding debit card. I began receiving notifications XX/XX/2022 that {$50.00} charges to my card were being declined because transactions on my card are turned off. I reported my card as compromised, and requested a new card, as I was advised to by CashApp. I still have not received the replacement card as of today XX/XX/2022. Cashapp provided me with a new 'virtual ' card number until my replacement card arrives, I have not yet used it anywhere. 

On XX/XX/2022, after I had cancelled my original debit card, and never used the new virtual card, Cashapp allowed one of the {$50.00} fraudulent transactions to complete. I waited for it to post, disputed it, and have still not received the monies back. I have contacted Cashapp and they will only tell me to contact the merchant, but will not give me the merchants contact information. My case was escalated to a 'manager ' who was no help and would not provide me any contact information for the merchant who is continuously trying to charge my card. 

The takeaway is that even if your card is reported as stolen/compromised and deactivated by cashapp they are still paying charges to the old card number.
Consumer complaint received 2022-12-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (IL)

To whom it XXXX concern While in XXXX XXXX XXXX  I had XXXX  almost XXXX $ in fraud from my cash app balance, square after motnhs and months and XXXX XXXX  filed complaints refunded XXXX, I'm still vehemently fighting this too no avail out of principle, I'm XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX stole from me and only less than half gets fixed XXXX  months ago. 


I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience.
Consumer complaint received 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (PA)

I sent a letter on XX/XX/XXXX to remove the items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint # & I am including it againXXXX 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
Consumer complaint received 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently reviewed my credit report and noticed an account that was not reporting accurately. i hade one late payment on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments, ive attached a copy of my report to this complaint on the following dates : ( XX/XX/year> ). I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2023-03-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$3500.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/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
Consumer complaint received 2024-05-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

I check my credit report and see inaccurate information on it. It's show late payment that don't add up please removing and delete this account. XXXX XXXX XXXX XXXX It say 30 days late for XXXX times and 60 days late XXXXtimes and 90 days late XXXXtimes. This is all inaccurate information. Please remove this account.
Consumer complaint received 2024-05-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NY)

Recently I looked at a copy of my credit report and noticed several inaccuracies in 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 XXXX XXXX
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (AZ)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXX XXXX Date : XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint Against XXXX XXXXXXXX To Whom It May Concern : I am writing to file a formal complaint against XXXX  XXXX regarding their failure to remove debts included in my federal bankruptcy from my credit report. According to the Fair Credit Reporting Act ( FCRA ), specifically Section 605 ( a ) ( 1 ), and the automatic stay provisions under Section 362 ( a ) of the United States Bankruptcy Code, debts discharged in bankruptcy should no longer be reported as active debts. Furthermore, any attempts to report or collect these debts are prohibited immediately upon filing for bankruptcy. 

Despite my previous attempts to resolve this issue directly with XXXX XXXX, the incorrect reporting of these debts remains on my credit report. This debt is still being reported to all three credit reporting agencies, and most notably, Experian has continued to show the balance, late payments, and the debt to date. 

I request the CFPB 's assistance in resolving this matter promptly. XXXX XXXX must comply with federal law by updating my credit report to accurately reflect the discharge of these debts in bankruptcy. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX of Birth : XXXX  Last four of social : XXXX
Consumer complaint received 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 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  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 section 2 states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I got a vehicle financed by XXXX XXXX in XXXX, I was paying the loan on time, but they repossessed my car fraudulently when I had my payments done ... the reason : I told them I lost my job due to the pandemic and I asked them ( XXXX ) that If they could extend my payments for few months to the end in case it will take time for me to get a job, but my payments were totally on time ; the agent started insulting me and threatening me with horrible words until the point that I told him : " then come and take your vehicle '', they repossessed the car in XX/XX/XXXX ( but they wrote XXXX ) and sold it in XX/XX/XXXX. I have the letter and my last payment in XX/XX/XXXX I'm embeding with this letter. The case was solved about 4 or 5 times closing the account and they keep bringing it back like if I still have the car and I'm behind payments. The last time I talked to them was in XXXX and I got disrespected, insulted and the interaction ended in a fraudulent repossession when I was on time with my payments. I hope you can help me, thank you.
Consumer complaint received 2022-12-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Block, Inc. (IL)

XX/XX/XXXX at XXXX am XXXX someone hacked my Cash App account and used my {$1400.00} in my account to buy bitcoin and withdraw it to themself. They kicked out my email and put their own. I have screenshots of everything. I went through the Cash App support and they sent me to their specialist for fraud and twice they denied me saying its my fault and I authorized the transactions. My rent got kicked back and now XXXX cant pay my rent for XXXX for atleast XXXX weeks. There was XXXX total transactions that I did not authorize and I feel I have overwhelming proof that it wasnt me. I did everything they asked to make my account secure but they still denied me
Consumer complaint received 2022-12-20
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. (TX)

It all was done by XXXX I cab send you the recipe this XXXX pretend XXXX company caused me It just like they told me to buy gift cards and I'm XXXX I thought j hot a XXXX but XX/XX/XXXX they took over my babk account my stash account trying to with drawl XXXX on my stash. Etc I give you all the ecdince and I tried to get a joke if you guys. I just kbg know what to do I cab day it elite company I traced XXXX of those gift cards I had to buy