davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-28
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: EQUIFAX, INC. (CT)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNTS AND INQUIRIES ON MY CONSUMERS REPORT AND CREDIT PROFILE ACCOUNT NAME : XXXX  XXXX XXXX LATE PAYMENTS Credit usage 100 % Balance {$340.00} Balance updated XXXX XXXX, XXXX Credit limit {$300.00} Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Credit card Status Open. Status updated XX/XX/XXXX Highest balance XXXX XXXX Monthly payment {$25.00} Last payment date XXXX XXXX, XXXX Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone number ( XXXX ) XXXX THE DATE OPENED DATE CLOSED AND LAST PAYMENT IS IN ACCURATE ON THE 3 CREDIT BUREAS AND ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL ... SINCE THIS IS A FRAUD DUE TO IDENTITY THEFT THIS BE REMOVED FROM CREDIT PROFILE AND CONSUMERS REPORT 4 BUSINESS DAYS FROM RECEIPT RESPONSE DISPUTE DISPUTE RESPONSE! 
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNTS AND INQUIRIES ON MY CONSUMERS REPORT AND CREDIT PROFILE AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNTS AND INQUIRIES ON MY CONSUMERS REPORT AND CREDIT PROFILE It is now XX/XX/XXXX 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2022-11-08
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Block, Inc. (FL)

CashApp has been advertising and steering individuals to sign up for direct deposit with benefits like XXXX-day deposits. Nowhere do they have fine print anywhere on Cash Apps main site that explains they reserve the right to choose which users get to enjoy the feature while advertising to all. I was an individual that was steered to sign up. I receive confirmation from my employee that my direct deposit was finalized on Tuesday XX/XX/2023. Cash App has yet to release my funds and has not provide an individual reason why I was opted out of an early paycheck. Ive reach out to Customer Service multiple times throughout the day and given the same explanation.. Delays happen on occasion. This is why there is a XXXX day time frame. I do understand the inconvenience, but we are not able to process the deposit any faster. If you do not receive your deposit within this time frame, then please reach back out then. CashApp does not advertise that delays tend to happen. This steering, deception should come with a warning label. Ive realize my deposit early from many other banks and have seen physical evidence of this current payroll being immediately deposited into accounts of my co workers.
Consumer complaint received 2023-01-27
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. (CA)

CashApp continues to be a problem. I stayed at a hotel on XX/XX/2023. I checked out on XX/XX/2023. The hotel XXXX  my total charges on that day. I have a XXXX balance. I used my CashApp card for incidentals only. There were no charges to be applied as incidentals and my XXXX  was closed as such. The payment methods used for my room have deducted as expected. However, despite providing Cashapp with documentation from the hotel, they refuse to release my funds, pointing blame at the hotel. The hotel provided information as evidence my bill is reconciled.
Consumer complaint received 2023-06-28
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. (TX)

This is XXXX XXXX please 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 2023-01-26
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. (CA)

There was a charge on my cash app debit card on XXXX for the amount of {$140.00}. 

According to the merchant this charge was refunded on their end and there is nothing more for them to do. They said to have cash app disputes dept contact them directly. 

Cash app support just simply told me they are denying my request and after doing this via chat and email after the third denial I called them directly. Their phone support once again just said they are denying my claim and then hung up on me. 

At this point I can't get any help from either party involved and cash app support is refusing to work with the merchant.
Consumer complaint received 2019-11-26
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. (MI)

I am writing this due to the non compliance of ( XXXX XXXX, transunion ). They have failed to remove information that I have challenged in the past and I strongly believe they are in violation of the FCRA and they are outright not upholding the law.
Consumer complaint received 2023-01-26
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Block, Inc. (CA)

This morning cash app claimed they detected fraudulent activity on my account and they locked the account. I have repeatedly spoken with support telling them that all the transaction were done by me. They refuse to unlock the account for XXXX to XXXX hours pending an investigation. They are withholding my money, against my wishes and refusing to acknowledge that I have taken responsibility for all the transactions. This has been my second complaint against them in a month. I hope you will help me resolve this so I can just close the account. How do they just get away with withholding a persons money and leaving no option or recourse?
Consumer complaint received 2023-01-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Block, Inc. (TX)

I'm a victim of Identity Theft, There are XXXX cash app accounts open in my name that I'm not aware of. the cash app symbol name is $ XXXX that I didn't authorize to open in my name and the XXXX cash app account i'm not aware of is $ XXXX
Consumer complaint received 2022-07-21
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. (FL)

ATTN : XXXX XXXX at XXXX XXXX XXXX has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false late payments to my consumer report without my lawful authority. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), which has the same definition as 15 U.S. Code 1691 ( d ) ( 6 ), has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the Gramm-Leach Bliley Financial Protection Act, has been violated. 

I am aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The consumer reporting agencies were not exercising their grave responsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to insure the accuracy of the information given by XXXX XXXX XXXX before furnishing it. This shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency or XXXX XXXX XXXX to furnish any late payments to my consumer report. It is my belief that due to XXXX XXXX XXXX business relationship with the consumer reporting agencies, ( such as Equifax, XXXX, XXXX ), they parrot any information given to them as a means of coercing consumers to pay extra fees for debts that they allegedly owe.
Consumer complaint received 2022-04-15
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. (NJ)

N accordance with the fair credit reporting act, XXXX account # XXXXXXXX XXXX XXXXXXXX has violated my rights. 15 U.S.C 1681 section 1681 section 602 A states I have the right to privacy. 15 U.S.C 1681 section 604A section 2 : it also states a consumer reporting agency can not furnish a account without my writing instructions
Consumer complaint received 2022-10-31
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: Experian Information Solutions Inc. (NC)

I realized that XXXX XXXX XXXX accounts have gotten hacked and i've been getting weird calls and text messages regarding XXXX. I didn't realize that they used my credit card and maxed it out completely until today. This has affected my credit report tremendously.
Consumer complaint received 2017-09-21
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (GA)

XXXX has called me several times over the years regarding a student loan ; initially I thought the loan was mine. As of late I am questioning the validity and merit of this loan as me being the true applicant. I am unable to speak about the loan with customer service because 1. The date of birth associated with the account is not MY date of birth, so I can never get passed their security questions. 

2. They asked me to send a photo ID showing my date of birth, which I did XXXX XXXX/XXXX/XXXX ) and they STILL refuse to speak with me about the loan. The date of birth on my drivers license is not the date of birth on their account. 

I do not believe this is my loan and have filed a complaint with credit bureau as well but have not been able to get any closure due to the fact that I do not know the persons date of birth on this loan. Please advise. Thank you kindly.
Consumer complaint received 2023-01-26
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (FL)

I own a XXXX XXXX  XXXX, I decided to use square to handle card payments, my first card transaction was {$850.00} and a few days after recieving payment, square permanently suspended my account and held my money, when I log into my account I am told that my funds are held for XXXX days, it has been almost 2 months, i tried emailing them and it is as if their whole email system is a robot, I get the same response every time, they refuse to give me any information, they refuse to give me my money, and now they are telling me to wait XXXX days instead of XXXX days. 
As a small business this hurt very much, after putting almost all of my life savings to start this business, then on my first transaction they tell me my money is held, {$800.00} is a lot for a business that is just starting, and this almost put me out of business and made me loose many customers.
Consumer complaint received 2023-01-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc. (GA)

There's more to the story but this is the gist of it my ex-boyfriend has went into my cash app and changed all my cash-up information to his information and has logged me out of it log me out of my new cash app and has blackmail me to do this and I have proof showing that
Consumer complaint received 2024-02-19
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. (HI)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with an accurate consumer. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Summary of Accounts being Challenged in list form : XXXX XXXX - Account NumberXXXX Please investigate and delete it from my credit report. 

XXXX XXXXXXXX XXXX  XXXX XXXX Account NumberXXXX Please investigate and delete it from my credit report. 

XXXX XXXX - Account Number:XXXX Please remove inaccurate reported late payments and update to paid as agreed XXXX XXXX XXXX - Account NumberXXXX Please remove from my public record XXXX XXXX - Account Number:XXXX THIS CONTRACT IS CANCELED XXXX XXXX XXXX XXXX - Account Number:XXXX My parent has the same name as me.
Consumer complaint received 2023-01-31
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. (CA)

I disputed a charge on my card ( XXXX ) on XX/XX/2023 from a purchase at a cell phone retailer. They sold me a defective phone. The cell company customer service acknowledged it would be replaced, the physical stores are refusing to do it without charge. I spoke with a district manager and he committed to ordering me a new one but has since gone unresponsive and it's been over 2 weeks. 

The dispute I filed was for services not rendered and I expected an investigation. CashApp then denied the dispute within 24 hours without a reason. I requested for them to send me documentation and the documentation was vague and gave no reason. I called to get more information and they refused to provide it.
Consumer complaint received 2023-01-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (MS)

I had a cash app account. It was closed by cash app due to violation of terms of service. I dont know what the violation is, was never told or given an opportunity to appeal the decision. I was given the opportunity to cash out the balance of {$940.00}. I unlinked all of my personal information from this cash app account. I attempted to cash out to my bank account. The funds were to be deposited in my bank account on XX/XX/2023. I contacted my bank and was told that the deposit was declined and sent back to cash app because it was coded incorrectly. I contacted cash app to reopen this account so that I may cash out my remaining balance. I have been told by cash app that bc my email was unlinked to the cash app account that I can not receive my {$940.00}. Ive tried everything they told me to resolve the issue. I have verified my identity, bank information and email address. They have no resolve or explanation. Ive spoken with 5 people. They will not allow me to speak to a supervisor.
Consumer complaint received 2024-02-19
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. (GA)

I am aware that you have been responding to many of the disputes, complaints, and challenges with pre-written standard form letters, despite the precise information consumers have provided. I am well aware that this is ILLEGAL ; as each consumer dispute must be addressed individually and dealt with by its particular merits. According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of Metro 2 data field reporting, I have the right to dispute any information on my credit report that I believe is not correct. All data included in a consumer 's file must be properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and financial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. We must ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as METRO 2. I kindly request that you handle this matter with utmost care and diligence. 

Heres the list of the questionable items : XXXX  XXXX - Account Number:XXXX Please Update all payments, all pay was made on time. 

XXXX XXXX - Account Number:XXXX I don't recall having late payments on this account.
Consumer complaint received 2023-01-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (TX)

I send a cashapp money transfer on XX/XX/XXXX at XXXXXXXX XXXX The transfer was sent to the wrong cashtag address. The payment amount was {$150.00}. I sent a screenshot text to the intended recipient immediately after sending the cash app transfer. ( I have attached an image of all screen shots, including an image of all cashapp support communications ). The {$150.00} dollars is still showing as a pending payment in my cashapp profile along with the {$1.00} request for refund that cashapp support suggested I send to the erroneous sender. 
I spoke to XXXX, a cashapp support person Monday morning XX/XX/XXXX. XXXX instruction to me were the same as the instruction i have forwarded in the support chat. 

XXXX instruction to me was to have the intended recipient reach out to the cash app support by phone to discuss the refund. The intended recipient had already reached out to cash app support and was told the sender should call for a refund. 

All cash app transfer are stored in my claimed file when they are claimed by the untended recipient. the {$150.00} remain as unclaimed in by cash app file. 

I feel this is a scam and cash app is making a fortune on unclaimed funds and not refunding unclaimed cash to the cash app sender. 

Thank you for your service to consumers in this country
Consumer complaint received 2023-01-31
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Block, Inc. (IL)

XX/XX/XXXX I tried to use my CashApp card and it was locked. I went into app and was told they would unlock it in 30 mins. then a few hours. then 24-48 hrs. then 2 weeks. I have money on the card. according to the transations no one has tried to use it but me. On XX/XX/XXXX, at their request, I sent them copies of front/back of my drivers license and a pix of me holding it. On receipt they promised to expedite it. Today, XX/XX/XXXX, after my 10th attempt by app and phone they told me I have to send them the pix again in order to " expedite the resolution. I have two case numbers, case # XXXX issued XX/XX/XXXX, case # XXXX issued XX/XX/XXXX. I asked why they assigned another case number and the rep " XXXX '' told me that each time I inquired they assigned a new number. My first time knowing this. Square is a large company that should have FAIL SAFES so these situations don't happen Can you please help me get my money back.