davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Block, Inc. (DE)

I keep receiving unauthorized VISA cards from Square. I sent an email to the company asking to stop all mailings and another card was received last night. I am concerned about the safety of my account so I removed my bank information from their app. The mailings are clearly marked that they are coming from Square and are clear that there is a card inside. Can issuers send cards without customers permission? All of the issuers that I do business with send replacement cards in non-marked envelopes so it is not obvious there is a card inside. Since Square ( cash app ) accesses my bank account -- this is very concerning and a poor practice. Each of the five plastics I have received at this point have had gibberish imprinted on the front of the card ( $ grdhfgjfgjfhkhk ), my full name, VISA number they issued ( bin XXXX ), exp and CVV. On the flimsy paper it is stuck to there is a QR code to activate. Paperwork is extremely minimal- no terms and conditions. This practice needs to stop -- and this company needs to stop mailing VISA cards that were not authorized to my home.
Consumer complaint received 2019-12-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc. (CA)

My name is XXXX XXXX XXXX email : XXXX address:XXXX XXXX XXXX XXXX XXXX XXXX, XXXX On XXXX the XXXX I transferred {$90.00} from my XXXX account to the cash card from cash app since I didn't have my XXXX card yet. 
Every time I logged in I couldn't see the money it said XXXX balance, this went on for weeks every time I call them they tell me the same thing saying they'll get back to me but never does. In my XXXX account it shows the transaction went through already but still can't see the money in my cash app account.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2019-12-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (MO)

XXXX user “XXXX XXXX XXXX XXXX” asking for donations for XXXX year olds XXXX Treatment. XXXX  diagnosed with XXXX XXXX. Not been to hospital for treatment according to inquiry. “She’s with her grandma right now. She isn’t in the hospital yet  We need to raise more money for her to get her treatment“Asking for donations on cash app XXXXTried to contact Cash app but no way to contact without setting up account on cash app. This should be illegal. There should be customer support phone and an email. Only To receive automated instructions over the phone, please call XXXX. To reach us by mail:Cash AppXXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXXI don’t use cash app and do not intend to ever!
Consumer complaint received 2021-02-23
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (NJ)

I refinanced and closed the mortgage on XX/XX/XXXX. XXXX XXXX is the title agency used by XXXX XXXX. The sent the funds via XXXX XXXX overnight and I received the tracking number showing the funds received by chase bank. Apparently the amount sent was several dollars short so chase Bank sent the check for over {$540000.00} back to XXXX XXXX in late XXXX. I began receiving phone calls about a missed payment. I got on the phone and explained the situation and provided the tracking number. At that point I was informed that the check was sent back. I immediately contacted XXXX XXXX and XXXX XXXX who corrected this and wired the total amount. At this point my account shows paid in full yet Chase will not remove the missed payment on my account which has destroyed my credit. I have called chase repeatedly including XX/XX/XXXX and about 15 other times and I am constantly being transferred from one dept to another. Finallly I spoke with their credit dept who told me the mortgage dept needs to adjust it and so begins the circle again. At this point the mortgage has a XXXX balance and shows paid in full but yet they are not removing the late payment.
Consumer complaint received 2021-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NY)

Account XXXX is over 8 years old and all three credit bureaus continue to report. This account needs to be removed ASAP! it is over the 7 year mark and thus reporting agaist my consumer rights.
Consumer complaint received 2021-02-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (NY)

XX/XX/XXXX The background of this compliant is regarding unanswered communications to Chase ( JPMortganChase ), specifically and initially in a phone conversation and servicing complaint on XX/XX/XXXX, with a purported manager named XXXX XXXX phone # XXXX XXXX XXXX. ) 75 days have elapsed days without a reply, There were additional requests for a reply made to other Chase personnel, 1. customer service # XXXX XXXX XXXX, as well as,. 
2. requests to their online messaging system personnel AND. 
3. a couple of formal PERSONAL AND CONFIDENTIAL complaints to their executive officer ( XX/XX/XXXX, CEO ) on XX/XX/XXXX and XX/XX/XXXX XXXX and 37 days have elapsed days without a reply, INCLUDING. 
The failure to satisfy a requested XX/XX/XXXX deadline 33 days have elapsed. without a reply on this. 

in summary Chase never responds to the complaint ( s ) submitted to that employee or any of the others named. 

XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX PERSONAL AND CONFIDENTIAL Mr.XX/XX/XXXX, CEO XXXX. fax XXXX XXXX XXXX XXXX alt re : Complaint This is another formal COMPLAINT regarding my communication to your office on XX/XX/XXXX It has been another 2 weeks without any response or resolution on the issue presented to XXXX on XX/XX/XXXX and now 5 weeks since that was first done. 

I have not heard back from anyone. 

I need a prompt written response and RESOLUTION of this specific complaint, no later than XX/XX/XXXX, to be sent via XXXX XXXX or USPS Priority mail, without my having to ask again and again or involve other entities. 

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ********************************************************************************************************************************************************** XX/XX/XXXX PERSONAL AND CONFIDENTIAL Mr.XX/XX/XXXX, CEO fax XXXX XXXX XXXX XXXX XXXX XXXX. 

re : Complaint This is a formal COMPLAINT regarding a manager named XXXX XXXX XXXX XXXX XXXX XXXX, On XX/XX/XXXX, I contacted the XXXX # and after several transferred calls, I asked for a manager and was connect to him. 

The issue was regarding unresolved issue presented to you online messaging personnel responses or lack thereof. 

He stated that he would formalize a complaint and stated I would receive a reply in 3-5 business days This did not occur and, as a result, commencing around XX/XX/XXXX, I attempted to contact him again both through both the XXXX and the XXXX numbers ]. 

I was told that this matter would be forwarded to him Approximately 25 days have elapsed since the XX/XX/XXXX contact. BUT, I have not heard back from anyone. 

I need a prompt written response and RESOLUTION of this specific complaint, to be sent via XXXX XXXX or USPS Priority mail, without my having to ask again and again. 

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX
Consumer complaint received 2015-04-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

I am in process of loan modification, and there has been Mortgage fraud in behalf of my Mortgage Bank, I have been trying To modify and Settle my Mortgage, however bank has been taking its time and not trying to help me, and now my house is scheduled for auction sale. My bank who is Wells Fargo bank.
Consumer complaint received 2021-02-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX my husband drove up to the Bank Of America drive thru ATM located off XXXX XXXX in XXXX XXXX CA. He went to deposit {$1600.00} dollars for rent into our checking account ending in XXXX. When he put all the money in the deposit slot, it asked for him to remove the money ( probably because it was too much ). As he was reaching to get the money the slot closed on him. He never received any receipt or any proof of the deposit and his card was spit out. He put his card back in to check the balance to see if the money was in our account, no deposit had been received. 

He called me on my cell to let me know what happened, I told him do not leave the ATM machine and that I will get a hold of someone inside the bank for them to come out. I spoke with XXXX the manager and told him what was going on and he said he would go outside to help my husband. I called my husband and told him that the manager would be outside and while he was waiting he was telling all the customers parked behind him that he was not leaving because the ATM took his money. XXXX came outside while I was on the phone with my husband and asked him to put his card back in to try and deposit more money to see what the machine said. It said deposit was temporarily unavailable and XXXX told him to do the same thing for with drawling money and it said the same thing temporarily unavailable. XXXX told him he would have to come inside to fill out a claim. He also let us know that their is a 3rd party that comes out to fix the machine and counts the money and that it could take up to 45 days for our claim to be resolved. 

Everyday from XX/XX/XXXX to XX/XX/XXXX I called BofA claims to see what the status was and that I needed our money because we had to pay rent. All they could tell me is that they would escalate it up and that the earliest our money would be in our account was XX/XX/XXXX. On Friday XX/XX/XXXX I received an message saying that the claim had been resolved and that all money was accounted for and that no money was owed to us. After receiving the message I called BofA claims and told them about the message, they told me that all money was accounted for and that nothing is owed to us and there is nothing that they can do about it.
Consumer complaint received 2024-09-01
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. (CA)

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 
Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-11-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (FL)

Square.com is attempting to deduct {$600.00} from my checking account. They are charing it to my square business account, XXXX XXXX. It is registered to my email address of XXXX. I have contacted the company multiple times. 

I received a VERY vague email from them stating that the funds were owed on another account under the name XXXX XXXX or ( XXXX XXXX ). A name that is not associated with my company in ANY way. That person as I researched does not even live in the same county. XXXX is simply attempting to deduct the money based SOLEY on the last name. I have argued with them, sent letters, and emails. Their staff who work in the financial department do not even take phone calls, why should be illegal. XXXX was forced to comply and take calls, Square should as well ... especially when scamming money from businesses. 

I want the harassment to stop. My company, XXXX XXXX, DOES NOT owe {$600.00} and the name XXXX XXXX is NOT affiliated with us in ANY way. XXXX is simply using the last name, which matches mine, to attempt to recover money they lost on another account that is in no way associated with my or the business. The account under " XXXX XXXX '' is not linked to my SSN, DLN, ADDRESS, bank account. 

On XXXX Square downright refused to allow me to speak with Account Recovery. The customer service rep, XXXX, was less than helpful. I was told, after finally being able to get through to a live person that there " account recovery '' department can't take calls. I was advised to email them. I have emailed them numerous times with zero response. I have attached the only emails I have ever received from them
Consumer complaint received 2024-09-02
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. (KS)

I just recently looked at my credit report on XX/XX/XXXX. I seen some hard inquiries that did not have permissible purpose. 
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 2019-12-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (IN)

Earlier today XX/XX/2019 l received several transactions through Cash App that went through ok. All of a sudden when one of my customers was trying to pay me the transaction was declined. Then the app shut down and l am no longer able to accept additional funds, and the funds that have been deposited into my account I am unable to retrieve. This is the second time that l have had a problem with this App within the last month. And this time my funds are frozen within the App and there is know one to call or speak to.
Consumer complaint received 2022-03-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (NY)

my personal information las taken somehow including my address, my social security number and my license information and opened 2 bank accounts in TD Bank on XX/XX/XXXX of XXXX. 
The account numbers are XXXX with the amount of {$2200.00}. 
Then another account mas open XXXX and {$510.00} mas transfer from the XXXX account. 

I did call the bank already to report it and the accounts have been closed.
Consumer complaint received 2024-09-06
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. (NJ)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
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/year>
Consumer complaint received 2024-09-02
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. (NC)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e { b ] Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i [ 5 ] Treatment of inaccurate or unverifiable information [ A ] In general if, after any reinvestigation under paragraph [ 1 ] of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- [ i ] promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and [ ii ] promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately 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 2021-02-23
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: Bread Financial Holdings, Inc. (TX)

I was attempting to our purchase a ring from XXXX XXXX in XXXX, Tx. I was assisted by a young man named XXXX. When there was a ring I was interested in, I asked about whether their company does financing. He says yes and ask if I would like to see if I qualify and I say yes. Only after he obtained all my information did he disclose that he was signing me up for a credit card. Immediately after I was informed that it was a credit card I instructed the employee to cancel the application. After which, he confirmed that I would not get the credit card and the there would not be a pull on my credit report. However, days later I receive an email notifying me that I have a new credit card opened in my name for this store.
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

Hello. I am tired of going back and forth with the credit bureaus regarding their reporting on my credit report. I notified them that information was not correct and needed to be fixed or deleted and they have not done either. So far it has been 60 days with nothing being fixed or deleted and I have sent them all verifying documents as well as documents that support my claim. I checked my credit report today and nothing has happened. The accounts do not even show they are being disputed. I read on the FTC website that in this situation they must delete the information from my report. I am demanding they do that immediately.
Consumer complaint received 2021-02-23
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. (AZ)

On XX/XX/XXXX, I received an alert that someone attempted to apply for XXXX XXXX credit using my information. 

I called and notified XXXX XXXX that the application was fraudulent and wasn't me. 

On XX/XX/2021, I also filed a complaint with the Consumer Financial Protection Bureau. Complaint ID is XXXX. 

XXXX  XXXX opened a case : XXXX to investigate the complaint. CFPB case number : XXXX. In the meantime, I placed a fraud alert with all three credit bureaus. 

However, on XX/XX/2021, another hard inquiry was placed by XXXX XXXX for a credit card. XXXX XXXX failed to regard the fraud alert I placed with all three credit bureaus. I was never notified by XXXX XXXX nor did I authorize the first or second application attempt. Once again, this hard inquiry is negatively impacting my credit score.
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MA)

Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$17000.00}. I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715 719 | May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.