davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-15
Product: Credit 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: CITIBANK, N.A. (AL)

On XX/XX/year> I paid XXXX online for a prepaid non-refundable hotel booking for XXXX XXXX XXXX using my Citi Aadvantage credit card. It cost me {$520.00}. The day I was to arrive, I contacted the hotel and found out they had closed down due to the crowdstrike outage. They could not take clients. They told me they would refund the amount but all of this conversation was not written down. I never received a refund after contacting XXXX multiple times. I disputed on my Citi credit card ( Dispute Reference : XXXX ) for services not rendered. XXXX responded by saying that the original booking was non-refundable. And provided evidence of it. Which is true. However, it is irrelevant because the booking was cancelled by the hotel. I have called the citi dispute time multiple times. Every time the agent assures me if I just provide a written statement or something else it will get resolved. I have provided them a written statement. The receipt for the hotel I had to stay in over the same dates as an alternative. I also included an email from the hotel accountant who acknowledged they need to refund me. Every time the dispute people come back and say I have not proven to them it was not non-refundable. It's like there are two different teams, the one I talk to who assure me in the dispute resolution call center that it will be fine, and the people who send me the letters saying it isn't fine. Citi have closed the dispute and are refusing to refund me the money.
Consumer complaint received 2020-12-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Bread Financial Holdings, Inc. (MA)

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2020-12-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (VA)

I received a text from my financial institute, telling me that I made a purchase from a department store. I called my bank to dispute the purchase. The bank told me that I needed to call the instatute that approved the payment. I called the number to XXXX, that was listed on the web. The repesenitive listen to my store, then told me that yes, there is some fragilant activity on my account, and they need to save my finacial account. the impersonator then told me to down load a app on my cell phone in order to open up a security app, which I found out later was a XXXX app, that allows one to come in and see everything on your desk top. They then had me to open up my banking account. Explaining that I needed to protect my money, so they needed to transfer my money to a safe area, until they find out what happened, so that the hacker could not get to any more funds. they then asked if I had a cash app or any way to transfer money. they noticed the cash app, and had me open it. they then transfered all of my money from all of my banking accounts into the cash app, then sent it to other institutions, and cards.. by then my son had called me, they told me do not answer, because this would mess up the process, and my money would get lost. My son texted me though and told me that all of his money had dissapeared out of his account. then I knew something was not right. I immediately hung the phone up. I called the bank and they told me that yes, all of my money was transfered They also said that there was nothing they cold do because they are not affiliated with cash appI contacted CASH APP via email. They said that they will get back to me within in ten days, time enough to investigate. At this point, I don't even know if this was cash app that I was emailing, because I think that the XX/XX/XXXX impersonator got all of my information off of my phone and hacked my emails, intercepting my emails. 

I went on my cash app account to see what was going on. the transfers were still there as cashed out. I have not heard anything else as of yet. 

I have a police report, I have reported this matter to the Federal Trade commission. 

I have pics, however, I can not send them right now. My phone will not up load them.
Consumer complaint received 2020-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX is reporting I owe them XXXX + on my mortgage I do not owe them that type of money they are not The Originators of my loan I dispute that amount and what they're doing to me I've been trying to refinance this house for the last three years and they have been dragging my credit score down awesome the vehicle that appears on there from XXXX XXXX has been returned since XXXX of 2020 there is no rears there is no balance the vehicle has been returned and there's a few other things that are being in accurately reported and I'm trying to move forward in a credit world and they're making this impossible when I have children that I have to maintain thank you for your time
Consumer complaint received 2020-12-28
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. (FL)

To whom it may concern : Equifax is incorrectly reporting fraudulent inquiries that resulted from identity theft as a factual record of file access ( see attached credit report ). This is a Violation of Section 605 of the Fair Credit Reporting Act ( FCRA ). The aforementioned fraudulent inquiries Fail to meet the criteria of a factual record of file access. The fraudulent inquiries were the result of identity theft and do not serve a permissible purpose ( see attached police report ). 
Based on the listed inaccuracies, Equifax Failed to verify the information contained in this report. This is a Violation of Section 605 of the Fair Credit Reporting Act ( FCRA ).

Provisions of Sections 606 & 609 of the FCRA require Equifax to provide the following information to any consumer : How did Equifax verify the inquiries? 
Name the source of information. 
Provide a copy of the executed application your source sent to verify that the inquiry was authorized. 
Provide Permissible Purpose for the Fraudulent inquiries. 
Provide a copy of the wet signature used that verifies the inquiries. 
Provide proof of a proper investigation. 
Equifax failed to adequately investigate Fraudulent inquiries listed as a factual record of file access. All the Fraudulent Inquiries Must Be Deleted. As per the rights afforded to me by the Fair Credit Reporting Act ( FCRA XXXX. I am requesting that the information being reported in my Equifax Credit report be Corrected. 

Best regards, XXXX XXXX XXXX
Consumer complaint received 2018-04-12
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Motolease, LLC (FL)

I was current on the payments of the leased motorcycle but I lost my job so I got scared and did a voluntary surrender, brought the bike back to the dealer. Next day changed my mind, called the lease company told them I changed my mind could I keep the bike, they said yes. Then the told me where the bike is and said I have to pay XXXX to get it back I said why my payments are current. they didn't give a reason then sold the bike and are charging me XXXX on my credit report.total rip off scam
Consumer complaint received 2020-12-29
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. (GA)

I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. I have always been very responsible about my credit. The fact that numerous accounts are suddenly on my credit, and which are all in default, should make it obvious that these accounts are not mine and never were. Please remove them
Consumer complaint received 2020-12-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Block, Inc. (IL)

Cash app States that you can cancel a payment or if you have a disputes they will investigate I had disputed a charge on my cash app account I didn't recognize the name on the transaction nor did I receive a text for said transaction I ask them for help with identifying the individual and all I got were automated responses And so after their failure to respond or give me any type of information regarding my request I reached out to my bank and dispute the charge. And I inform them that I had spoken to cash app and ask for their help and they failed to provide it and I also let them know that I did not receive a text for that particular transaction like I do the rest of my transactions. 
( Please note this is not the 1st time I had to reach to my bank regarding a Cash app issue and each time I did I would eventually get an email asking me to verify my account ) Shortly thereafter after I receive a request from cash app to verify my account and when asked why I need to verify my account I got no answer I did try to verify my account using my debit card they want the head on file and they keep telling me they're were unable to verify my account even though my card was scanned in on their app and sent by email. and now they have closed out my account and are refusing to reopen or offer any assistance. 

please note that email associated with my Cash App account is a XXXX  account
Consumer complaint received 2020-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Block, Inc. (GA)

Received robo call from XXXX stating my account had been hacked and I needed to do something about it. I got an operator on the phone and she told me the company name was Cash App. When I asked where they were located she hung up. Never heard of this company.
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC. (IL)

Midland credit management XXXX XXXX XXXX Want both accounts removed from credit bureau ask for validation of both debts nothing was received and neither account was removed. 

XXXX XXXX on credit bureau with 2 different accounts Ive disputed both accounts requested validation of the debt never received XXXX still havent removed debt from credit bureau. 
XXXX
Consumer complaint received 2020-12-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (NC)

I have had a CashApp account since last year, and at some point I forgot about the account and opened another account when I got a new phone with CashApp. So this makes it two account. Anyways I have an issue since, as I have been enjoying their services. However a friend of mine who had sent money to me before, transferred {$260.00} dollars to my former CashApp account cos thats the one he has he did not have my current one. He made this transfer on the XXXX of XXXX this year, a few days ago and I could not access the funds cos I no longer have that former phone number I used in registering that account, I tried everything possible and I just could not have access. I contacted cashapp via email and explained my situation to them and asked that they grant me access to the funds after all it was my account. They asked me for proof of my account and asked for some documents and information which I provided successfully they and they said the verification was successful. However they were sorry they could not grant me access to that account or funds for security reasons and to protect my account. I further pleaded with them and asked them to help close the former account and grant me access to my funds, they tefused. I explained that this fund was for a sick relative of mine back in XXXX and the person needed to undergo an XXXX XXXX  and it was a matter of life and death they still refused. Someone else sent me {$60.00} to thats and amount again today not knowing what was happening. So that makes it two transactions held up by CashApp. Sadly I got a news that my relative passed away cos there was no proper treatment which the money was meant for. I lost my cousin. I am indeed devastated and in pains knowing that I trusted cashapp to release this funds to me but they never did. After all Im the owner of the account and they proved it. At this point. Im done with them and I want all my accounts closed and all my cash returned to me since they wont grant me access to these funds.
Consumer complaint received 2020-03-12
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. (GA)

XXXX  XXXX XXXX Balance {$4300.00} Original Creditor Name XXXX XXXX XXXX XXXX Balance {$3900.00} Original Creditor Name XXXX XXXX These accounts were both fraudulently opened in my name. I have filed a police report, I have filed multiple disputes with each major credit bureau including a copy of the police report.I have also filled out and mailed a fraud packet from XXXX  and returned it the company. XXXX, and Equifax have both failed to remove this information. I have requested proof of their investigation, which they have failed to provide.
Consumer complaint received 2020-12-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc. (NC)

I was using merchant services, offered by the company Square, to take payments for a small business I was trying to start in 2019. On XX/XX/2019 I received a payment of {$40.00} from a customer, which I then attempted to transfer the net profit of {$38.00} to my bank account, only to discover I was unable to do so because my transfer capability had been suspended. The note on my account said my transfers were suspended while they completed a periodic account review for customer security. It states that the review process typically takes XXXX business day. It has now been almost 1 year since it was suspended, on XX/XX/2019. You can not reach anyone on the phone, its just an automated system that tells you to check your email for a message about the suspension then hangs up, which there was never an email sent to me. I tried reaching out to their support team on XXXX, but they replied just once asking for my email address, which I provided, then Ive been ignored ever since. I can not get in touch with anyone to remove the suspension that has been in place for over 11 months now. I have a balance of {$38.00} that is being held from me and no way to reach a person to talk to and have it removed so I can get the money Im owed. I no longer use their service. I just want my funds and to be done with them, but I cant get any help from them.
Consumer complaint received 2020-11-24
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. (NV)

Hello, On XX/XX/2020 at XXXX XXXX XXXX approx ) my card was charged for {$1.00} a few times, then {$2.00} a few times, then {$5.00}, then {$10.00} until the card is emptied. Then they start hit the {$10.00} ISF then go back down to {$5.00}, then {$2.00}, then {$1.00} until everything is gone. {$100.00} total. 

I immediately called Cash app and they only reply with automated messages. I have emailed and was told I would have to prove 'XXXX  XXXX XXXX  CA ' is not a legitimate charge for some reason instead of Cash app doing any work. I contacted XXXX and XXXX play and have multiple emails that state nothing on my account and no money pending and zero activity at all. I have all the emails from XXXX saved. 

I have been calling Cash app to explain over and over with no solution and as of XX/XX/XXXX there has been no contact with them or them trying to contact me. Before XX/XX/XXXX they did email me back but gave an email that gave no help or solution. They also said to call in but the app and their site and nothing on XXXX to contact them. They claim you can file a claim to get started but nobody will contact me back and there is not a phone number that can be called. 

Please help me and let me know what the next step is. XXXX has been good and I have emails stating it is NOT them from XXXX. After I stated that to Cash App they stopped communication completely. I can supply all account numbers, dates, emails and whatever you need just let me know. 

Thank you for your time. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-29
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: OneMain Finance Corporation (CA)

I have two inaccuracies on my credit on two different reporting bureaus. XXXX is showing this account as 30 days late in XXXX, while XXXX is showing the account as open. XXXX is the only one who has the reporting right. I have disputed this info with all three bureaus multiple times each. I have even complained here but I keep getting the run around on who's responsible for the correct info. XXXX XXXX has responded on here that i was never late and the account is closed, but when I talked to The executive account supervisor XXXX today, she said she couldn't do anything and that if i felt targeted, I should follow up with CFPB. I believe I am being targeted and retaliated against for my multiple disputes.
Consumer complaint received 2020-12-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (NY)

My account was frozen cause of a suspicious Transaction by customer I tried to call and email cash app to let them know about what was happening. Later on someone called me as a cash app rep. Requesting information about my account to fix the problem. I later noticed that all of my money was wiped out please if anyone can help you can email me at XXXX or call me at XXXX
Consumer complaint received 2020-12-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (MN)

I requested that CashApp pull money back from an individual I had sent money to because they were no longer providing the service as requested. The amount is {$250.00} and was sent to an individual on XXXX/XXXX/20. They told me that they can not do this. They do not allow for making complaints or even wanting to know if an individual using their service is abusing it. I requested this refund on XXXX/XXXX/20.
Consumer complaint received 2020-12-29
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)

I'VE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES. IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND INQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2020-12-29
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: Bull City Financial Solutions, Inc (NC)

I sent out multiple debt validation letters to XXXX, XXXX, or Bull City. I have sent out multiple letters to Bull City with no response. XXXX responded saying that they could not find my account.
Consumer complaint received 2020-12-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC (TX)

Company stated that they are a 3rd party collection and that I needed to contact primary source but they wasn't able to give me the information on who I needed to contact. 
This seems very fraudulent to me. I asked how can they report on my credit and they don't even know if the account is accurate
Consumer complaint received 2020-12-28
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

Unauthorized ATM withdrawals totaling a loss of {$20000.00}. These charges were not authorized and money was stolen. Created a case with Wells Fargo bank and with XXXX XXXX Police Department. 
I received a call from Wells Fargo bank stating they will not cover the losses of the money because it was done with a pin number. 
XXXX XXXX Police XXXX requested videos of the transactions with subpoena and was refused any videos and photographs of the ATM transactions. I was contacted by Wells Fargo Bank and they stated they reviewed the video of the transaction and it clearly showed it was not me making the withdrawals. Wells Fargo has admitted that it was not me who withdrew the money but they refuse to help law enforcement. Wells Fargo is unwilling to help with an ongoing police investigation by not providing videos. Wells Fargo is not providing insurance to cover the loss of stolen funds.