davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX 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 2024-05-20
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. (GA)

There has been a reporting error on my credit report. Experian has removed positive accounts from my credit report. Under the Fair Credit Reporting Act 15 U.S.C 1681 Section 604a Section 2, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 

I am providing written instructions to furnish these items on my credit report : XXXX XXXX XXXX XX/XX/XXXX XXXX Card XXXX - Date Opened XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : Incorrect Name - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (NC)

I was attempting to purchase XXXX on the CashApp application. The company asked me to link my debit and bank account numbers, and upload a photo to the app along with a picture of myself. They took the information and blocked my account from making any additional transactions that would allow for my account information to be safeguarded. When I called and asked for an address for a corporate office to make sure that the business is legitimate, they hung up on me. They now have my bank account information and a copy of my driver license. I fear that they will attempt to use that information for financial gain. I would like to report that this company is phishing for personal data of the people who use the platform.
Consumer complaint received 2017-07-03
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

On XXXX/XXXX/XXXX, i sent a letter to Equifaxfor reporting inaccurate information on my account, i received a letter on XXXX/XXXX/XXXX stating that it was verified. On XXXX/XXXX/XXXX, i sent a letter requesting method of verification, received a letter dated XXXX/XXXX/XXXX stating that it was verified. On XXXX/XXXX/XXXX, i sent another letter requesting for the method of verification, i received a letter dated XXXX/XXXX/XXXX stating verified as accurate. They failed to provide me with the method of verification twice, and failed to provide a response within the 15 day time frame. I have also contacted the company and has not received any response from them.
Consumer complaint received 2024-05-19
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. (FL)

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, credit inquiries are only permissible under specific circumstances, such as with my explicit authorization. As I did not authorize these hard inquiries, they are in violation of this statute.

I am requesting that you : Investigate : Conduct a thorough investigation into these unauthorized hard inquiries.

Remove : Delete these unauthorized hard inquiries from my credit report.

Confirm : Provide written confirmation that these inquiries have been removed.

Attached to this letter, I have included a copy of my identification and any other necessary documentation to verify my identity and support my dispute. 

I appreciate your prompt attention to this matter. The presence of these unauthorized inquiries is negatively affecting my credit score and financial well-being. I look forward to your swift resolution of this issue.

Thank you for your cooperation.
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. (GA)

Hello! I had an old account with XXXX XXXX XXXX ( the original creditor is XXXX XXXX XXXX XXXX ) appearing on my credit reports erroenously for more than three years. The collection agency requested this account be removed with all three major credit bureaus effective XX/XX/2020 however it still appears on my credit profile.The account number is XXXX. I have attached a letter from the collection agency confirming the account is paid, and that it should be deleted from my profile. Let me know if you need additional information. Thank you!
Consumer complaint received 2022-09-22
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. (NM)

I placed an order for food delivery on XX/XX/2022 that was cancelled on the delivery services end. The restaurant was supposed to void the transaction but didn't. I reached out to them and they did nothing so I began a dispute with the card company. I've tried to get updates on the dispute for the last 70 or so days and keep being told that they're working on it. I was never given the provisional credit for the disputed amount and was never even notified of anything unless I reached out first.
Consumer complaint received 2022-09-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (WI)

XX/XX/2022, my boyfriend, who I am now the caregiver of. A little background information is last spring we got into a horrific car accident and he lost both of his legs. Since i I had to write my job so he didnt have to move into an assisted living facility. We have an apartment at the VA and life has been ac struggle to say the least. He finally was allotted {$100.00} to pay his caregiver which he sent me via cash app. Well he was not aware that I had changed my cash app since I no longer had access to my former company email. That email no longer exists ( I called my old job to see if they could deactivate my email once again but their IT guy would charge them more than my {$100.00} earnings ). So since I cant get into this email or the phone number ( my company cell number that has been disconnected or changed ), Cash App basically told me there was nothing I could do to rob that they could do to get into this account. I even sent the XXXX, without her request, but trying to be proactive, a copy of my drivers license, a pic of me holding my license, ac picture of my passport and a copy of my social security card, to which they said absolutely nothing. They wont even send the funds back to XXXX XXXX ( sender ) so he can send them to the correct account. So this {$100.00} is just sitting in limbo ( he sent me {$5.00} extra dollars so I could get the entire {$100.00} after the cash app fees ). Please help me. Ive spoke to for costumer service representatives ( XXXX over their chat feature and XXXX over the telephone ) and XXXX XXXX via email without any resolution. 
My old cash tag was : $ XXXX Amount : {$100.00} Transaction Identifier : XXXX Sender : XXXX XXXX Cash tag : $ XXXX Thank you for your help and your time. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (WA)

I opened an account with XXXX to take payments for vending art and merchandise at local events. It started out great, and i made many sales! But then i went to verify my bank account, and they deactivated my account. I tried their text chat, and they refused to help me stating it could only be done over phone. I called, and they refused to talk to me or tell me what was wrong and they stated I could only contest the deactivation through the email they had sent me. i emailed, and it stated I had waited too long to respond so my reply was denied. I was notified I'd have my money in XXXX months, but I don't understand why they took my money for XXXX whole months, refused to tell me anything, and my account is gone. 

I'm not a scammer or anything, I don't understand this. I just wanted customer service, to fix whatever the issue was, and to get my money and use them for future events. 

I have since made a fully functional account with XXXX XXXX. But I still do not have my money from XXXX.
Consumer complaint received 2022-09-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Block, Inc. (AZ)

I have a cash app account under the name $ XXXX my email is XXXX XXXX XXXXXXXX I was unaware that cash app had converted my account in 2022 a business account charging me 2.75 % fees every time I received money Id never elected willingly or knowingly to have a business account it was a personal account for personal use I contacted them XX/XX/XXXX through their chat line they did not respond back I contacted them XX/XX/XXXX they agreed to give me XXXX dollars for the past XXXX days they will not work with me any further they have no management to escalate to they technically have been charging me for XXXX years for these erroneous business fees but I did not ever convert the account myself they disconnect my call even though I am not being belligerent or unkind and tell me they can not help me any further although they Stated they can only give me the money back that they charge from the date I called which was XX/XX/XXXX but they didnt they gave it to me from XX/XX/XXXX forward they will not have a manager contact me they state theres nothing more they can do it is unfair and unjustifiable that they have charge me on the money I have received I have proof of this on my phone that Ive contacted them also the fees they have charged they are unworkable can someone assist me I believe that you oversee cash app
Consumer complaint received 2023-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MN)

I am writing to dispute and request the investigation and deletion of incorrect information regarding a specific account on my credit report. I recently reviewed my credit reports from your agencies and discovered an inaccuracy related to a charge off account with XXXX XXXX XXXX, account number # XXXX ( XXXX ) and # XXXX ( XXXX ), XXXX at XXXX XXXX XXXX, XXXX  XXXX, MO XXXX. 

I noticed that the dates of last activity are inconsistent across all three major credit reporting agencies. XXXX shows the date of last activity as XX/XX/2022, XXXX as XX/XX/2022, and Equifax has not reported a date of last activity. The inconsistency in the reporting of the date of last activity violates 15 USC 1681a ( 2 ) ( a ) ( i ) of the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies must provide accurate and complete information. 


As a result of this discrepancy, I request that you both conduct a thorough investigation to verify the inaccuracy of the reported information. I respectfully request that the account be deleted from my credit report. 

To assist in your investigation, please find enclosed a copy of my credit report highlighting the disputed account. I have also included a copy of my SSN and a recent utility bill as proof of my identity and lease with address. 


Please address this matter promptly, and I expect to receive your response within 30 days as required by the FCRA. I appreciate your prompt attention to this matter and look forward to receiving confirmation that the disputed account has been removed from my credit report. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (MA)

XX/XX/2022 Fraud/Scam {$350.00} $ XXXX  My phone was left open in a public space. The individual who uses the cash app username XXXX  sent themselves {$350.00} via the Cash App without my knowledge and/or permission/consent. XXXX was never a friend of mine, was never a contact of mine before the transaction or after the transaction. I do not know who this person is and i did not authorize anyone to send themselves money. I did not send someone who is not in my contacts {$350.00}. 

Cash app can not prove that i did authorize this transaction. They have failed to provide any proof. 

I was scammed and I have communicated with them multiple times this was a scam. 

Cash App Support has refused to assist in any manner. The only solution Cash app has offered is to request a refund back from the person who sent themselves the money! Of course they have rejected every request. Cash app has provided and sent my bank false and misleading information so I can not work with my bank on this matter. The bank took the false information from cash app and closed out their investigation. The only support cash app has offered is to request the money back from the person who stole the money. They have blocked me on cash app. Cash app has no protection to prevent this but they have solutions for the scammers to block you and disappear. I have requested the money back multiple times and each time has been rejected. This person was not a contact of mine further evidence this was fraud!!! There is no password that protects the app nothing!!!
Consumer complaint received 2022-10-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous accounts that need to be investigated and corrected XXXX XXXX XXXX XXXX  Balance : {$12000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$5400.00}
Consumer complaint received 2023-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX **** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Chapter XXXX Bankruptcy XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX OF XXXX XXXX Chapter XXXX Bankruptcy Federal # XXXX XXXX XXXX XXXXXXXX **** XXXX XXXX Bankruptcy XXXX XXXX XXXX  FL XXXX # XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX, XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-10-14
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. (SC)

XXXX charges worth {$500.00} were made in California at XXXX grocery store using my CashApp card and I live in South Carolina. The transactions were made over the course of XXXX minutes of each other. I was in South Carolina when the charges were made and I had my phone and card on hand. I did not give anyone my personal information and didnt authorize for these charges to be made. I contacted cashapp minutes after the transactions were made. They were pending on my account when I contacted them. The transactions were complete until the following day and I was instructed to call CashApp back once the transactions were complete in order to file disputes for all 4 charges. The following day a charge to my card was attempted in Indiana, and I was still in South Carolina. CashApp denied my disputes to receive my funds back, but it is clearly fraud on my account. They wont allow me to talk to anyone who makes these decisions. I also contacted XXXX for assistance but havent received feedback.
Consumer complaint received 2022-10-13
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Block, Inc. (CT)

I paid my boyfriends daughter cell phone for him via cash app for him. He transferred the money to me via cash app. I went online to pay the bill on XX/XX/XXXX. I went to make a purchase on XX/XX/XXXX and it was declined I went and looked on my phone and the company XXXX XXXX XXXX XXXX had taken a payment off my card. I then called them to tell them I didnt authorize them to take the payment and they were able to remove my card but not refund me because I couldnt verify the account. The rep at XXXX XXXX told me to dispute with my bank I filed a dispute on XX/XX/XXXX with cash app and received a decline to my dispute on XX/XX/XXXX. I called cash app to block the merchant from using my card and due yo them declining my dispute Im out of money for something I did not authorize. Cash app just flat out declined my dispute which means that anyone can add your card to their autopay without your consent and you will be out of your money! Isnt this some type of fraud or illegal activity?
Consumer complaint received 2022-10-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (NV)

Company : Cash App Company address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Telephone number : XXXX Incident Location : Cash App ( digital wallet application ) Incident Time ( start ) : XX/XX/2022 XXXX XXXX  Incident Time ( end ) : XX/XX/2022 XXXX XXXX  Location Type : Cyberspace Seller : XXXX XXXX XXXX Amount in dispute : {$1300.00} Transaction : Cash transferred thru " Cash App '' Narrative : An individual using the name XXXX XXXX XXXX XXXX XXXX, stated that she is a friend of my aunt 's. She posed as someone selling used gadgets for cheap. She sent me a list of available items and proceeded to request money through the " Cash app ''. It has been more than 2 weeks and she is not replying anymore to texts, and none of the items were actually sent. I reached out to the Cash app to dispute the transaction and report the fraud. The company did not investigate and closed the issue.
Consumer complaint received 2024-05-19
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. (PA)

Experian are reporting inaccurately information on my consumer report. 

After many disputes sent in Experian has disregard the law so this is My last attempt to resolve these issues. I'm sending a notice of dispute.
Consumer complaint received 2022-09-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (WA)

XX/XX/22 I responded to a XXXX ad offering to sell a concert ticket which would be transferred virtually. The seller agreed to the exchange requested a Cashapp payment via craigslist email. 

I made a payment of {$50.00} via Cashapp, which came out of my XXXX debit card issued by my bank, XXXX XXXX XXXX. Cashapp sent the payment to the seller, " XXXX XXXX '' who accepted the payment. 

After being ignored by the seller and not receiving my ticket ( instant virtual delivery via email ) I submitted the issue to Cashapp, who says that they will look into it and get back to me by XX/XX/XXXX. I see no other way to contact them directly.