BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-11
Company: Block, Inc.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On or about XX/XX/2023, I reached out to CashApp regarding the reply that was sent to my bank XXXX XXXX regarding a dispute I submitted. On or about XX/XX/2023, I attempted to purchase a puppy on XXXX but was scammed out of approximately {$1300.00} via CashApp and {$850.00} via XXXX, my funds were intercepted by XXXX and the funds were returned. CashApp chose not to return my funds. My issue is the response that CashApp sent to XXXX XXXX regarding the dispute. CashApp stated that We have strong reason to believe that the cardholder fully authorized this transaction and is falsely disputing this transaction as 'fraudulent ' based on the following customer Information : .. As I stated in my response to CashApp and the supporting documentation ( attached ). I never stated that the transaction was fraudulent, from the very beginning I stated that I was scammed. 

On XX/XX/2023, I was informed by CashApp that the transactions would be investigated and I would receive a response. As of today, I have not received a response regarding the scammer 's accounts. These individuals continue to scam unsuspecting individuals on XXXX XXXX XXXX XXXX XXXX XXXX & XXXXXXXX XXXX XXXX ) and CashApp has failed to shut down the scammers accounts. I have the supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
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 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: Incomm Holdings Inc.
State: CA
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I was given a Vanilla ( InComm ) gift card with a Visa logo on it in I believe early XXXX with a {$100.00} balance on it. I tried to use the card a few months after receiving it ( approximately XXXX XXXX XXXX and there was {$0.00} balance. I looked up the transaction history on the Vanilla website and it said the card had been used for a purchase on an online gambling website ( I believe it was XXXX XXXX sometime a month or two prior. I did not make that purchase and had no knowledge of it. 

I contacted Vanilla/InComm customer service and was told by the agent that in circumstances such as mine, customers usually get their money back. I filed a dispute and waited another few months. Finally yesterday, XXXX I received an email saying that my dispute had been denied because " Per the cardholder agreement and the payments network, these transactions are out of timeframe for recovery. '' There was no cardholder agreement that I was aware of since it was a standard prepaid card, and there's no elaboration on the " timeframe '' part of it. I contacted Vanilla customer service again and was told that there was nothing they could do as the case had been closed. I did email the dispute center back, but I am not optimistic about getting a response or getting my money back, since the investigation process is apparently entirely at their discretion and there's no way to call the dispute team, only email and fax. 

A look at the XXXX reviews of Vanilla/InComm shows XXXX XXXX XXXX reviews describing the exact same thing happening over and over -- people purchase or are given a prepaid card only to find that its funds have been stolen by scammers. Given how widespread this issue is and the fact that probably millions of dollars have been stolen this way so far, I believe InComm needs to fix their system as they are essentially selling an expensive, defective ( often literally worthless ) product. If possible I would like to get my money back and I would like to spread the word about this scam and the company 's lack of accountability for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I was overdrafted XXXX $ against fifth third terms and regulations for their standard overdraft you can not opt out of.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: TRANSWORLD SYSTEMS INC
State: AZ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
A woman named XXXX called claiming to be with TransWorld collections agency. This attempt to immediately go into payment, ask for my bank account or card numbers three times without following fair and correct legal debt collections practices is the reason for today 's report. 
" XXXX '' read a usual script. What was not normal was the immediate insistence that I give my checking account, abrupt requests for it, in urgency. This is indicative of a scam. 
Additionally, I have been in contact with XXXX XXXXXXXX and have spoken regarding my temporary ( hopefully ) XXXX.While not working, desperately want a career and my life back. So, when XXXX called and did not " attempt '' to understand as her script states, share WHICH company ( she then stated the name of a company of a closed card from years ago ) without my asking whom she represented, or, what debt but go immediately into asking for my payment information! This is not a fair and legal debt collection practice. 
XXXX in her script stated " this is a recorded call, and, an attempt to understand the needs of my status, attempt to collect a debt '', as read.. That is ok in fair debt collection regulations in the United States XXXX Next, " XXXX '' began by asking for my checking account details asking what payment will I be using? When I responded may I ask what you mean? What? 
What debt are you referring to? 
What company is this and what is this regarding, she stated a card ending in XXXX. While there may have been one ending in XXXX, that could be a scammer pulling up my information, as recently I have experienced personal data breached information as have many citizens in our global digital environment. In fact, the suspicions grew as I remained in good faith in contact with the card company, as I loved the company. 
I did speak with the debtor as shared above, and, have in many times in the past shared already why this is closed, even worked with their staff personally, as I really loved that company. 
Therefore, while there may be an outstanding debt and hopefully this was TransWorld, yet sincerely doubt it. The woman calling herself " XXXX '' continued to keep asking for payment information three times prior to actually listening to understand, as stated in the script. The number does not come up as TransWorld.

So responding " what ''? " What do you mean? '' led to her asking again for my payment information, not to assist the consumer by sharing specifics of the debt to confirm legitimacy.

This is no compliant. If it was TransWorld there will be a recorded call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I left my job and was issued a check for my pension contribution. I deposited the check into my account and a hold was placed. I inquired days later and was advised they believed the check was fraud. I contacted my previous employer they advised the check was not fraud and cleared on XXXX and Chase has the money. 
Chase refused to release the money alleging the paying back cant be contacted meantime my former employee has verified with the paying bank that the check cleared and Chase has been told that on a few occasion. I would like my money released

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-05
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have continually submitted to CAPIO PARTNERS that this is NOT my debt. I even reached out to the original place of business, a hospital : XXXX XXXX XXXX, & was told this debt does NOT exist, there is NOTHING listed under the patient name. Not even a visit. 

They have yet to provide proof of debt, only stating original debt came from XXXX XXXX XXXX on XX/XX/2023. No proof of account holder, original date of debt, original account holder, original place of debt, names on the accounts, original debt amount, original bill NOTHING. 

My attorneys have told me what to put in the account statements when disputing the debts. It continuously came back as verified when saying things like I had no knowledge or this belonged to someone else, like insurance. Only until I reached out to the originating hospital to find out that insurances did take care of the ONE bill, did my attorneys say to report the collections as fraud. 

Then & ONLY then was it acknowledged & removed. 

But like I said I had to report this MANY times & have proof of those submissions. That is why I am reporting them. To say this debt just occurred in XX/XX/2023 & is verified when it is WELL over 6 years old is fraudulent & a huge scam on CAPIO PARTNERS XXXX XXXX XXXX XXXX as well. 


Please look into these companies : CAPIO PARTNERS XXXX XXXX XXXX XXXX as theyre putting astronomical debts on peoples credit without ANY verifiable proof!! 

Thank you for your time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-23
Company: EQUIFAX, INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I need to inform you that I have recently discovered unauthorized accounts opened in my name, which I believe to be the result of identity theft. In accordance with the guidelines outlined by the Federal Trade Commission ( FTC ), when an FTC identity theft report has been filed with a law enforcement agency ( which the FTC itself is ), the established protocol is to abide by the law and conduct a thorough investigation. I am requesting your immediate attention to this matter and the closure of the fraudulent accounts 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 XXXX XXXX I have attached a copy of my identity theft report to authenticate my claim. I am requesting that you immediately close the fraudulent accounts listed above. I understand the seriousness of identity theft and its impact on both the victim and the creditor. I expect your full cooperation in resolving this matter promptly and professionally. 
I appreciate your immediate attention to this critical issue and your assistance in rectifying the fraudulent accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-23
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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.

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 believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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.

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 believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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.

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 believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
In late XX/XX/2023 I set up a transfer from my American Express XXXX account to my XXXX XXXX account using the XXXX phone app. On XX/XX/XXXX, XXXX deposits were made into my XXXX XXXX account, XXXX for XXXX cents and XXXX for XXXX cents. That shows that American Express did in fact have the correct XXXX XXXX account. I then went back into the XXXX XXXX and verified those amounts and then transfered {$810.00} from the American Express XXXX account to my XXXX XXXX account. The money was taken from the American Express account immediately. XXXX days later American Express says that the transfer occured ( XX/XX/XXXX ) and that it would take XXXX business days for the money to show up in my XXXX XXXX account XXXX As of today it has been nearly XXXX weeks and the money has not been deposited into my bank account. 

I have repeatedly called the American Express XXXX number and have talked to several people there. I have been repeatedly told by them that the transaction is complete, the money is no longer in my account and to call XXXX XXXX. 

I have spoken with XXXX XXXX several times as well. They continually tell me that because they can't see anything comming through the XXXX system that they can't do anything and to call American Express XXXX I was able to get XXXX XXXX to open an inquiry into this but I just got a letter from them ( XX/XX/XXXX ) saying that they can't do anything and to call American Express. 

You can see that I have become extremly frustrated with each side saying to contact the other. 

I have copies of the letters from XXXX XXXX, a copy of the XX/XX/2023 American Express XXXX statement showing the withdrawl of {$810.00} and a copy of my XX/XX/2023 statement showing the XXXX test deposits of XXXX and XXXX cents. I won't attach these due to them having personal information on them but if you do require them please ask.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-22
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Equifax : XXXX # commission file number XXXX. Equifax is obligated by the FCRA to report accurate accounting. I have advised Equifax and numerous fraud specialists the charged off accounts, all late payments, and any non-account holding inquiries were fraud. Said company had XXXX days according to the law to remove such items. FTC, fraud reports was filed as a consumer and demanding Equifax to provide such documentation used to determine the remaining inquiries. Charge of late payments were made by the consumer like you said! Equifax has 15 days to provide me with the name of persons spoken to, documentation used, signed applications with wet ink signatures. Consumer is not asking for an XXXX report. If Equifax does not have the documentation with the form mentioned requirements to to show as a fact that these were authorized by the consumer, then it must be removed immediately! Said company is liable under the SEC to follow rules precisely. Equifax commission file number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, New York. XXXX. I will be filing form XXXX treasury XXXX forms to audit my accounts. Equifax is secure consumers data, yet refuses to provide me and millions of other consumers a copy of the consumer file not the consumer report. Attached will be a detailed invoice with all violations amounts owed for each one supporting documentation. As well as proof of my information, my Social Security accounts, and other information being negligently handled during data breach along with detailed invoice with money orders to be payable to XXXX XXXX XXXX address XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, CA XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: Block, Inc.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I'm trying to pay my rent, the only accepted way currently is through cashapp. XXXX payment didn't go through so I tried to split it up and then XXXX payment goes through but then the rest won't. So I keep trying. Still nothing. So then I contact support and support just keeps telling me they don't have management and they keep telling me to go to the support page. These people don't know what they're doing or how to run a bank. I've been scammed so many times by cashapp and they do nothing about it. The least they can do is actually do their job and not just keep trying to send me links.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: JPMORGAN CHASE & CO.
State: ID
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
To whom it may concern, My name is XXXX XXXX. I live in XXXX XXXX, Idaho. And I have been a longtime standing member of Chase bank. There was an issue with my account that was not of my doing, that has ended up costing me approximately {$260.00} in lost wages.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: Aldous & Associates, PLLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX is trying to illegally collect a debt that I do not owe. Please see attached. I only used their gym for 2 months of a 12 month contract, but I paid the entire 12 months. In person, in writing, by phone and in email I have repeatedly told XXXX that I will no longer do any business with them. They continue to harass me, and are trying to coerce me into going back to their gym by abusing the collection process. 

Today I asked an employee of Aldous & associates to have an attorney review this, as no attorney has been used to review this yet. She refused to do so. 

There are XXXX  attorney generals office consumer complaints against XXXX XXXX XXXX XXXX XXXX, and even a XXXX  settlement against the company. They are still doing these illegal business practices!

Company response to consumer: Closed with explanation