davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (LA)

On XXXX XXXX I sent the amount of {$150.00} via cash app to a relative for re-union dues. The number it was sent to is her phone number. Her name is XXXX XXXX. This is how she is listed by name on cash app. I have her in my phone with the same number tied to the account a XXXX XXXX, which is the family name. Although this name is ties to her phone number she never received the money and cash app claims they don't know where it is. They asked that I send a request for refund but the request was declined and I am told there is nothing they can do about it. Note that this same account with the same name spelling has been used in the past.
Consumer complaint received 2023-05-15
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc. (MN)

So Ive been using Cashapp for years and never ran into an issue until I started depositing large amounts and direct deposit from job. XXXX charges to XXXX are being doubled charged with voided dates and completed payments. XX/XX/XXXX I was charge {$110.00} and XX/XX/XXXX {$260.00} completed and voided by cash app. Its XX/XX/XXXX last week I was charged yet another {$110.00} and Today charged {$260.00}. I called spoke with 2 customer service agents and they both overlook the voided payments and say cash app has been having technical issues from XXXX until XXXX Ive added cash from my bank to make the completed payments. I really feel robbed cause their using my deposits I upload as them sending me money to account and after looking at statements I feel this isnt all they took but what I was able to witness
Consumer complaint received 2024-04-20
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: EQUIFAX, INC. (MO)

Equifax is obligated by the FCRA to report accurate accounting. I have brought attention to all inquiries reported were fraudulent. Equifax had 4 days by law to remove such items from my report. Fraud report was filed via FTC in regards to such consumer report. I am now requesting Equifax to provide such documentation used to determine such inquiries were indeed authorized by such consumer, Equifax has 15 days to provide me with the name of the agent spoken to, documentation used, application with consumer wet ink signature. Consumer is not requesting an e-Oscar report, if Equifax does not have documentation to show these inquiries were in fact authorized by such consumer items shall be removed asap. Equifax is liable under the SEC to follow certain rules and guidelines. Equifax commission file number XXXX, XXXX XXXX XXXX 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 I will be filing form 211 treasury omb forms to audit consumer account due to the fact Equifax are securitizing consumer data and still refuse to provide such consumer a copy of my CONSUMER FILE when requested and not the CONSUMER REPORT.
Consumer complaint received 2023-12-29
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)

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form XXXX Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form XXXX : Information Referral AND IRS form XXXX : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2023-08-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (NY)

The company coinbase stated I owed them money and that after I pay them {$26.00} I would be able to buy on their platform. I paid them the {$26.00} and they took my money and then stated buys on my account is disabled even though I paid Coinbase the {$26.00} as part of our agreement. To offer to restore a customer account if a customer pays and then after the customer pays disable the customer from buying on the platform immediately after the customer pays is a scam. I was scammed by Coinbase I have photos and other documentation from customer service representatives to prove this. 

The representatives admitted that Coinbase violated the agreement we had as they stated the restriction my account has is an effect of the previous restriction my account had. Coinbase had me pay them {$26.00} to remove the restriction on my account just to take my money and restrict my account again for no reason. This is a violation of the agreement Coinbase promised me after I paid them {$26.00} my account would be restored just to scam me. 

My account email is XXXX XXXX
Consumer complaint received 2024-04-20
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: EQUIFAX, INC. (IN)

I sold my property in XXXX  and it was paid in full from the funds of the sale. XXXX XXXX  has not removed the debt from my credit report. Because of that it is showing up as a unsatisfied debt that was not satisfied on my credit.
Consumer complaint received 2023-08-30
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: EQUIFAX, INC. (CT)

I DO NOT RECOGNIZE OR RECALL ANY OF THESE ACCOUNTS : 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 2023-05-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (GA)

I was on my way to work inside my car and tried to purchase an item that some XXXX men were selling T-shirts. I did not have the correct information to complete the report, and a XXXX  man snatched my phone, and by the time he gave it back to me, he had changed the dollar amount from {$20.00} to {$200.00}. I pulled my car over and reported it to the police, but he said he could not do anything and to go to the police station. I went today, and they were closed, but I filed online today. I called the company CashApp I was told to use their portal. I called my bank. The amount was {$200.00}, but I still have the shirt, so I lost {$180.00}.
Consumer complaint received 2023-08-25
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. (AL)

I mailed a dispute to all three credit reporting agencies in regards to an account on my credit report from XXXX XXXX XXXX for inaccurate reporting. This account is reporting a different payment history with each reporting agency. Experian and XXXX verified the account as accurate, but I have reason to believe that the account was not thoroughly investigated which is my right under the FCRA. 
XXXX XXXX XXXX - Account number : XXXX Remove this account from my credit report because you are continuously reporting charged off status in the payment history all the way until XXXX XXXX when this account has been charged off since XXXX XXXX. You can not report a payment history on a dead account as it falsely manipulates the statute of limitations on when this account is supposed to fall off my report. 
In addition to the above mentioned dispute, this account is reporting as if I had a loan with this company since XX/XX/XXXX, which is untrue. XXXX XXXX is the day that I opened a checking account with this credit union.
Consumer complaint received 2023-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2024-04-20
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. (IN)

XXXX XXXX was supposed to give me a non-disclosure form that gives me the option to opt out giving my personal information to any third party affiliates but they didn't do that. 
Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. Dear Ally financial, Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization, I the consumer, may have given you, written, unwritten, verbal, and nonverbal Per 15 USC 6802.
Consumer complaint received 2023-08-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/2023, I had gotten a notification from Wells Fargo saying if I authorize this transaction of XXXX to reply Y. I opened up my Wells Fargo app to see what was going on and saw a transaction from XXXX. I immediately called Wells Fargo to cancel that transaction but they were nothing but rude saying they couldnt do anything. They made me do a claim, waited 12 days for a feedback and nothing. I got denied because they said I authorized this transaction when I didnt cause it or approve it.
Consumer complaint received 2024-04-20
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: EQUIFAX, INC. (NY)

I disagree with the account listed below which still appears on my credit report, even after your investigation.I would like this item immediately re-investigated.The inaccuracies are highly injurious to my credit score ACCOUNT NAME Account name XX/XX/XXXX Account number XXXX in accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up.Please send me an updated copy of my credit report after your reinvestigation. Account nameXX/XX/XXXX Account number XXXX
Consumer complaint received 2023-09-22
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. (LA)

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.

This list of inquiries that the creditors have put on my report has inconveniently as well as severely violated my rights!

Account name- XXXX XXXX XXXX Account type-Cell phone : Account number XXXX. 



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 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 know with one hundred percent certainty that the information is inaccurate, and I had never given any of those creditors the right to put those on my credit reports
Consumer complaint received 2023-11-08
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)

I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME XXXX  AND I WON'T ALOW IT.
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

I m a victim of identity theft and I have been disputing my credit reports but the disputes are not being filed correctly per the FCRA and my paperwork and my FTC report are not being attached to the disputes. I am not getting copies of the verification process that I am requesting.
Consumer complaint received 2023-12-28
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)

Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly.

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.

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate. 

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

On XX/XX/2023 I applied for the mortgage modification/forbearance program with my mortgage servicer, XXXX Mortgage XXXX I was approved and accepted and received an extension through XX/XX/2023 and was instructed not to make payments until then. I was approved and the company even played back a recorded call to confirm that that is what I was told ( see attached ) On my Credit Report, all XXXX major credit bureaus have derogatory information showing that I missed/non payment for my Mortgage with XXXX for XXXX XX/XX/2023, XX/XX/2023, XX/XX/2023 and XX/XX/2023 Please remove the non payment for those months as I was in a modification/forbearance program and was approved and told by my mortgage company not to make payments during that time. 

I have attached supporting documentation of the mortgage company confirming that a XXXX representative told me to do so and the modification document saying when my first payment will be due. 

This is a bad practice and predatory for the bank to tell me that my credit would not be impacted because I was going through hardship and in forbearance but instead did the opposite.
Consumer complaint received 2023-05-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (CA)

On or about XX/XX/2023, while completing tax filing, I went through my CashApp monthly statements, finding 364 fraudulent and unauthorized transactions totaling around {$1700.00}. I submitted transaction disputes via phone, email, and CashApp mobile app. After 8 weeks only {$210.00} has been refunded. The refused to refund around 300 transactions that disputed. They were from a compilation of about 20 different merchants. A handful of the merchants were charging small transactions from $ XXXX {$3.00} hundreds of times in a single day. Others would charge random amounts from $ XXXX {$450.00}. When I looked up these merchants doing the fraudulent charges on my CashApp debit card I found bogus web companies with vague business descriptions ; no shopping cart mechanism to support the fact that the were ever selling a product or service in the amounts I was charged ; or selling anything at all. They were front companies for scam operations. 


The scary part about this is that I saw card transaction attempts from some of the same merchants on my replacement debit card [ even ] before I activated it. I questioned CashApp how anyone would have access to my new XXXX debit card number before it was activated. They did not reply, shut off the replacement card, and sent me a second replacement card in XXXX. 


I've been heavily and aggressively since XXXX. They've been giving me the runaround, sending copy/paste email templates with out-of-context email responses, requests for information they'd already been provided back in XXXX, and lied to me over the phone saying the fraudulent transactions were being investigation ( later to find out via mobile app/email support agent that they'd not been submitted for review ) ; and at XXXX point CashApp went insofar to deny me a refund for these transactions, saying they were authorized, despite the card payments being made with a debit PIN without the card holder present. 


In XXXX I filed complaints with the XXXX XXXX XXXX, Consumer Financial Protection Bureau, and the California Attorney General ( Consumer Fraud Unit ). Also, a friend whose a private investigator gave me email contacts to the executive managers at CashApp 's parent company Block , Inc. and XXXX in XXXX XXXX, California. I'm a resident of California, also. 


CFPB told me to file an additional complaint with your office. No one at CashApp or XXXX have responded. I have a paper trail of email communication and transaction history to support this claim. I fear that other CashApp users are experiencing this same problem. Additionally, I believe that CashApp staff has something to do with this scam. This is too ubiquitous and I did not give out my debit card number to dodgy websites ; or loss my debit card, or have it stolen. 


Your assistance on this extraordinary matter is appreciated. 


Thanks and regards, XXXX
Consumer complaint received 2024-01-26
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (CA)

CC Issuer : JPMorgan Chase Bank. 
On XX/XX/XXXX l created my first pay over time plan for a transaction amount of XXXX based on an offer that said no plan fees on your first plan if created before XX/XX/XXXX. The terms of the offer was the transaction amount would be paid over 12 months without interest and with a monthly fee. Since this was my first plan No plan fees should have been applied. I had confirmed with a CSR before creating one, and took a screenshot of the offer displayed on my account home. However a plan fee of {$40.00} were charged on my XXXX statement. I contacted customer care and was told after 10 days that the offer did not apply to my account. This is what I call bait and switch. The offer was displayed on my account home page where it displays consolidated accounts and when you chose a specific account, account related offers are displayed. Now that they are not honoring the offer, I paid the remaining balance fully, to avoid future monthly fees. Attached the screenshot of the offer.
Consumer complaint received 2023-07-01
Product: Credit reporting, credit repair services, 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. (NJ)

These accounts do not belong to me and are fraud. I have included the identity theft report as well. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX