davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc. (CA)

This is our last attempt to resolve this issue with Square after several attempts by contacting them directly, filling XXXX  complaint and also a previous complaint with CFPB, but Square has failed to address and resolve the issue yet. 

We have both accounts that is affected and we also have filled several complaints on that account as well. 


To clarify, THIS IS NOT A COMPLAINT ABOUT SQUARE DEACTIVATED OUR ACCOUNTS. THE ISSUE IS THE MONEY THAT WAS ON THE ACCOUNT AND BECAME AVAILABLE TO WITHDRAW AFTER A 90 DAYS HOLD, ITS BEEN TRANSFERED OUT OF OUR SQUARE ACCOUNT FRAUDUNETLY IN SEVERAL UNAUTHORIZE BANK ACCOUNTS. 

someone somehow access the account, added their back accounts and transfere the entire money on the account fraudulently. 

When I logged in to my Square account after 90 days hold on the funds, the balance showed up at {$0.00} and after checking the account history, I found that all the money on the account has been withdrawn out of the account frauduntly. 

The entire transfers needs to be immidietly reverse back to my Square account so I can transfer it to my own bank account. The total account of all the frauduent transfers are over XXXX dollar. 
Also Square mentioned in their previous response that due to sensitive nature of banking information, we have to contact them to verify those information which we tried several times but they weren't helpful at all over the phone, nor via email. Also as I have mentioned, the entire transfers out of the account is done fraudulently and there is no bank account that is added on the account is authorized by me and the entire transfers, needs to be reverse back to the account totaling over XXXX dollar and there is no need to verify any sensitive information. All the transfers out of the account needs to be reversed. 


I have made several attempts but Square seem like not trying to resolve the issue and this is my last attempt before I file a legal case or arbitration and will use all Square responses to these complaints as an evidence.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.
Consumer complaint received 2024-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: MoneyLion Inc. (LA)

I've been trying to get MoneyLion to remove a closed account from my credit report. They incorrectly reported that I had a late payment, but when I showed them that not only did I not have a late payment, I was also refunded when I closed my account. Now, they are refusing to remove the closed account from my credit report. I'm requesting that this issue is resolved asap.
Consumer complaint received 2024-09-30
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (CA)

I attended XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX from XXXX to XXXX. The federal government determined that the school acted fraudulently and cleared all of my federal loans recently. I requested that AES review my private loans with them for similar action, submitting my request on XX/XX/XXXX via their file upload service, which they reference as an option on the form they sent me. It's been over 30 days and I have not received any correspondence, not even an acknowledgement that they've received my request.
Consumer complaint received 2024-09-28
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: JPMORGAN CHASE & CO. (NY)

I received a call today from XXXX and was transferred to someone claiming to be from the CFPB. XXXX XXXX from JP Morgan Chase ID # XXXX gave me a complaint number XXXX. I am doubtful of the veracity of this claim, but would like to have record of pursuing it. XXXX XXXX from Chase said a credit card had been applied for in my name through Chase Amazon Credit and he had the last XXXX digits of my social security number. The application had originated in XXXX NC. Since they noticed that I did not live in NC, they called me. The reason I do not think this was legitimate is the nature of the call and the transferring from the bank to the CFPB.
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am writing to inform you that I am a victim of a data breach that has resulted in identity theft. I am formally requesting that the following accounts and inquiries be blocked and deleted from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Accounts to Be Blocked and Deleted : XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$6800.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$6800.00} XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$1100.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$370.00} XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$320.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$550.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$85.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$86.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$250.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$610.00} XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$1000.00} XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$450.00} XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$210.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$940.00} XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$270.00} XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$350.00} XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$2500.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$460.00} XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$630.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$900.00} XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX  XXXX - XXXX - XX/XX/XXXX - {$15000.00} XXXX XXXX XXXX - XX/XX/XXXX - {$2200.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$2700.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$2700.00} UNAUTHORIZED BILL COLLEDTION - XXXX - XX/XX/XXXX - {$1100.00} Bankruptcy - XXXX - XX/XX/XXXX - {$00.00} Inquiries to Be Removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-20
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Synovus Bank (MD)

First Progress XXXX XXXX XXXXXXXX XXXX XXXX XXXX, SD XXXX and Secured Credit Card XXXX XXXX XXXX  XXXX XXXX, TN XXXX Account Number : XXXX I have not used this prepaid credit card since XX/XX/XXXX. Again, this is a prepaid credit card. I applied for this, in XXXX to help build my credit. I had to give them a {$200.00} deposit of my own money to open the card. I do not have this money back. I order to use the card ; you must have money on the card. Once you have used the {$200.00} you have put of your own money each month, can not use the card at all. This means you can not ever owe them money or have a balance. This is not a line of credit. I have had issues with this credit card company from the start. They are frauds and thieves. I have recorded a conversation calling to cancel this card. They kept charging me late fees and reporting me to the credit bureau for a prepaid credit card, I do not owe any money to and have recorded conversation of canceling the card. They even agreed to waive the late fees. Now they have the audacity to send me a bill for {$200.00} and {$120.00} of late fees for a card, I cancelled. Late fee 's rent waived, and for money I never spent, because it is a prepaid credit card. I can not use it if I do not have any money on the card to use. 
I do not owe these people anything. They owe me the {$200.00} deposit they collected when I opened tis card. Please provide an email address, so I can send the recorded conversations of my conversation with the credit card company. They had the audacity to report me to the credit bureau over this. I have no way of sending copies of my recorded conversation to the credit bureau 's. They need to correct this, with the credit bureau, refund my {$200.00} deposit, and remove the late fees. They are full of XXXX. I do not owe them XXXX!
Consumer complaint received 2021-11-25
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: EQUIFAX, INC. (CA)

I am XXXX XXXX and I am submitting this complaint myself. This account is reporting late as reported in XXXX. Lets correct this immediately. XXXX is required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please update or remove the late payments from this account. 

( XXXX XXXX BANK XXXX XXXX XXXX )
Consumer complaint received 2021-09-09
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: JPMORGAN CHASE & CO. (NC)

In early XXXX I had an accident with my XXXX  XXXX XXXX  XXXX which is finance by Chase Auto. I agreed with my insurance company to declare the vehicle totaled. The insurance XXXX XXXX XXXX issued a check to me on XX/XX/XXXX for the difference in the market value of the vehicle less the outstanding loan balance. XXXX sent the payoff amount to Chase Auto via XXXX  XXXX on XX/XX/XXXX and it was signed for on XX/XX/XXXX. Following XX/XX/XXXX, I did not see the amount applied to the loan. After several calls it was agreed that the Insurance company send another check because Chase was unable to find it. The new check was received XX/XX/XXXX. Finally on XXXX after several call the amount was applied and the loan closed. Based on the payoff in XXXX I did not pay my XXXX bill given that it was going to paid off. On XX/XX/XXXX, Chase issued a default notice which has impacted my credit score by over XXXX points. Their most recent statement it that they submitted a credit dispute on the default which can take up to 60 days to hit my rating. This basically freezes me from applying for any credit. Can you push them to or help expedite the fix to the process. I'm planning on closing out all my Chase products and would like to apply for new products with my XXXX rating to get the most favorable rates. Further, a regulatory investigation seems needed to on how they can misplace checks and need to improve XXXX on closing out accounts. There should also be some restitution paid for the time and stress this issue have taken. 

Thanks
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

am writing to request that the following fraudulent account be blocked and deleted from my credit report, as I am a victim of a data breach. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have this fraudulent account removed. I have provided the details of the account below. 
Account to Be Blocked and Deleted XXXX - XXXX - XX/XX/year> - {$00.00}
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (AZ)

Subject : Urgent Request for Intervention Regarding XXXX XXXX and Credit Reporting Issues To Whom It May Concern at the Consumer Financial Protection Bureau : I am writing to formally request immediate intervention concerning severe identity theft and credit reporting issues related to my experience as a survivor of human trafficking. While I have received a FCRA 605 ( c ) block on my XXXX credit report, I urgently seek similar relief from XXXX and XXXX, in addition to addressing ongoing issues with various creditors and XXXX. 

**Key Points of My Complaint : ** 1. **Credit Reporting Agencies ( XXXX and XXXX ) ** : - I request the immediate implementation of FCRA 605 ( c ) blocks on my credit reports. 
- Removal of all adverse information, inquiries, and addresses linked to my XXXX  experience. 
- Issuance of new, updated credit reports reflecting these changes. 
- Reset of online portals ( XXXX and XXXX ) to facilitate proper monitoring of my information. 

2. XXXX : - I have faced severe adverse reactions from XXXX due to my status as a XXXX, which has caused me significant distress and financial burden. 
- My services were terminated, leaving me without phone access. 
- XXXX has failed to address XXXX  incidents involving my accounts, perpetuating my victimization. 

3. **Other Creditors ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ) ** : - These creditors have failed to comply with the law regarding my status as a trafficking survivor. 
- I continue to receive attempts to hold me liable for fraudulent and coerced debts. 
- They have disregarded the Victim Determination Documentation ( VDD ) I provided. 

I reside in XXXX  and will be seeking a court-appointed document confirming my status as a victim of XXXX XXXX. However, I request immediate remedies under the XXXX XXXX XXXX XXXX and FCRA 605 ( c ). Due to issues with XXXX, please contact me exclusively via email at XXXX. 

It is imperative that the CFPB investigates these matters urgently and assists in implementing necessary remedies. The ongoing failures of these companies to address my situation as a XXXX  XXXX  are causing continued victimization and hindering my recovery. 

While trafficked, many victims suffer financial abuse, which I have also endured. CRA 1221 outlines provisions for financial relief from adverse accounts across all credit reporting agencies. As XXXX has complied with my requests, I am now seeking the same from XXXX and XXXX, including the permanent removal of all adverse tradelines and inquiries from my consumer report. 

Thank you for your immediate attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Consumer complaint received 2017-07-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P. (NY)

SW Credit Systems  is violating both the Fair Debt Collections Practices Act as well as the Fair Credit Reporting Act.  SW Credit Systems  is using deceptive practices to collect money from me and they need to be investigated.   I obtained copies of my credit reports and noticed a listing from  SW Credit Systems . I did not authorize  SW Credit Systems  to obtain my credit file . SW Credit Systems  never sent me a letter stating that they obtained my credit file and that they were going to place this account on it. I then sent  SW  Credit Systems a validation letter to prove that they own this debt they claim I owe.  SW Credit Systems t hen sent me old statements from  XXXX .  SW Credit  Systems did not send me a purchase agreement, bill of sale or any type of proof that  SW Credit Systems  is legally entitled to collect anything from me. To this day , SW Credit Systems  is still reporting this account on my credit file and trying to collect money from me . SW Credit Systems  deceptive tactics are malicious and intentional.   The account I am referencing is  : SW Credit Systems  Acct #  XXXX
Consumer complaint received 2017-07-14
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. (IL)

A computer glitch that was  Trans Union  's problem not mine caused my inquiries to be deleted from my credit report twice.  Trans Union later added them back on my credit report without giving me the legally required written notice five days  prior to re-adding them. I have contacted  Trans Union  in good faith to remove the inquiries that they had illegally re-added. I have called a total  of three t imes and spoke with different agents who refused to remove the inquiries. I recently spoke with a supervisor name via on  XX/XX/XXXX who stated they will not remove the inquiries. The inquiries have added a hardship and my rights were violated by  Trans Union .
Consumer complaint received 2024-09-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Skrill USA, Inc. (AR)

On XX/XX/XXXX I deposited {$100.00} to my skrill account. I had been using the card earlier in the day so I didn't think there were any issues. On XX/XX/XXXX I awoke and tried to use the card at an ATM. The transaction was declined. I checked my app and it said my card was locked for security reasons and to " not '' contact them until after XXXX. I didn't understand and contacted them immediately. I was told there was nothing I needed to do and that it was a standard security check. They couldn't tell exactly when my money would be released. I asked why I wasn't notified and they said they didn't have to and that it's in their " Terms & Conditions ''. I asked where and when they told me the paragraph I began to recite it. After I finished I said that was not the correct and they hung up on me. This happened on XXXX occasions and both supervisors told me different paragraphs and both hung up on me after I read what they said. After this i called back again and nobody else would speak with me and just kept telling me I was going to get a call back later. It's been XXXX hrs now and my funds have still not been released and I still have no real time-frame or explanation.
Consumer complaint received 2024-09-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BMO Bank, N.A. (AL)

I have been a customer at BMO Harris Bank, XXXX XXXX XXXX XXXX XXXX, Wisconsin since XXXX. I have never encountered any problems until last year XX/XX/XXXX, when a frauder erased a check I made and mailed to XXXX XXXX XXXX for {$100.00}. The frauder erased, revised and made the check out to a XXXX XXXX for {$6700.00}. They had no problems cashing an erased check. The bank seem to have big problems replacing my money. My money was insured. I have talk to someone in customer service, someone in the fraud department and the bank managers at BMO Harris. The bank manager, XXXX XXXX, extremely hard to contact, has not been very helpful. I completed and submitted the paperwork requested of me, notorized with a picture of the carbon of the original check. The only check attached to my online banking statement was the erased check. When I did eventually talk to XXXX, she would always tell me she would call me back ; however, she called back one time out of the many times she agreed to call back. XXXX did tell me that I would receive my money in 180 days. It has been a year and I still have not received my money. I have never received any correspondence from the bank, no phone call, letter, text, nor email. 
I called BMO Harris corporate and was given an email address to inquire about the status and resolution of my claim, no response from my email. I talk to XXXX the first time I call cooperate, who was very helpful. She did tell me it usually takes 45 days to resolve these type of claims. No one was able to give me any information on my case. Its been a year and I still dont know the status. I called corporate a second time, talk to XXXX who had a hard time locating my case. She told me my case was going to take longer b/c of the amount of money that was taken from me, but she couldnt tell me how long. I told her the bank manager was still of no assistance. She gave me the name XXXX XXXX, the other bank XXXX at the same branch. He has not been helpful either. He does the same thing, tells me he will call me back and never does. I feel like someone who work for the bank erased and rewrote my check XXXX XXXX XXXX XXXX was not paid with the check. They paid XXXXXXXX XXXX XXXX from my debit card without my permission. I have been more than patient and tolerant. This situation is now affecting my XXXX. I just want my money. I pray you can be of some assistance before I have to go further. 

Sincerely,
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (AZ)

I am writing to formally dispute inaccurate information on my consumer report. It has come to my attention that your agency is reporting information on my consumer report without my consent, thereby failing to apply maximum accuracy in accordance with your vital role in assembling and evaluating consumer credit information as stipulated in 15 U.S.C. 1681 ( a ) ( 3 ).

Furthermore, I am aware that your company policy requires you to maintain written consent from me, the consumer, authorizing you to report any account on my consumer report. Federal law under 15 U.S.C. 1681b requires that you must have either court jurisdiction or a handwritten letter from me giving you permissible purpose to report such information. Your failure to adhere to these requirements constitutes a violation of my privacy.

Additionally, as a financial institution, you are obligated to uphold maximum privacy of my nonpublic personal information pursuant to 15 U.S.C. 6801 ( a ), which states that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 

Moreover, I demand that your agency immediately cease and desist all illegal activities and all mediums of communication related to the collection of this alleged debt. Your persistent attempts to contact me at inconvenient times have caused significant disruption and damages, affecting my business hours of operation. I am fully aware that a medium of communication also includes my consumer report, and I demand the deletion of the account reported on my consumer report. 

I demand that your agency promptly investigate this matter and remove the inaccurate information from my consumer report. Please provide me with a written response detailing the actions you have taken to rectify this situation within 30 days of receipt of this letter. 

Failure to comply with these demands will leave me no choice but to pursue all available legal remedies to protect my rights and seek compensation for the damages caused by your actions.