davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-26
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. (AL)

I recently for an apartment and I got denied. I got denied. I don't understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I don't understand what's going on, but these items are not mine and they all need to be deleted from my credit report.
Consumer complaint received 2020-05-27
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. (NC)

Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 120-150 )  days late on the XXXX XXXX  partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX and XXXX. XXXX  and XXXX  are reporting incorrectly that I am ( 120-150 ) days late on partial account numbers XXXX and XXXX. Experian is reporting incorrectly that I am ( 150 ) days late on partial account number XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2020-05-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (GA)

Had my Chase Sapphire Preferred card information stolen back in XX/XX/XXXX, I was in XXXX when the card was stolen, once back in the US I hadn't noticed until i got a call from XXXX while out on a company dinner that it had charges on it and were saying they looked fraudulent. I called chase the next morning and flagged all the transactions as fraud they were removed during the " investigation period '' but in XX/XX/XXXX their were two charges charged back to the account from that time. One transaction for {$740.00} from XXXX on XX/XX/XXXX & another transaction for {$110.00} from XXXX  * XXXX + XXXX  on XX/XX/XXXX. I had called the support number on the back of my card about this and due to Covid-19 the tech support agency said that their fraud department to handle these resolutions is not currently taking calls so i had to email : XXXX. I email them about this and a few days later get a call about these transactions. The agent on the other end of the line ( Her name is " XXXX '' ) says that the transactions are valid and procedures to tell me that the vendors have replied to their request about the fraudulent transaction & say that they shipped products to my home address on my card. This is where i decided to escalate this because I have not received any products from either of these companies to my address, If they have shipped something to my address I would like to see shipping confirmation because i find it hard to believe that someone would ship a {$750.00} product to my address without needing signature. XXXX then advised me to email the proof that I have not received any of these products or that I was not in the US when my card was stolen & that I should email my proof to : XXXX to me this email seems like something that isnt a valid chase email and I would like to talk with someone higher above than a call center about my situation.
Consumer complaint received 2020-09-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (MD)

My wife and I recently discovered that sometime during the spring of 2020, our XXXX year old daughter opened up a CashApp account through Square , Inc. According to the terms and conditions, account holders are supposed to be XXXX years old. Obviously, they did no due diligence to independently verify her age. 


Square needs to due a better job verifying the ages of account holders. We have reason to believe that numerous of our daughter 's friends, also under XXXX, have Cash App accounts.
Consumer complaint received 2020-09-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc. (FL)

I previously completed a complaint but I wasn't sure it made it to you correctly and I just wanted to make sure you received all attachments. What I'm sending now is when I applied with Maryland 's XXXX XXXX XXXX XXXX. I have to send the whole packet to you because for some reason I'm not able to send you just the necessary pages. My previous ID # is XXXX. Thanks
Consumer complaint received 2020-05-27
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Neon Newco Corporation (CA)

I purchased a netspend card on XX/XX/XXXX. I was unable to activate it and after speaking with customer service, was told a refund must be issued, as they would not allow me to use the card. I tried to call back a few days later to update information for the refund check ( we had recently moved ), but was, and still am, unable to speak with customer service because netspend blocks speaking to a representative if the card number or social security number are not recognized in their system. 

I contacted their corporate office, and received a call back with clear instructions on how to request a refund check via email. on XX/XX/XXXX I emailed the required documents with proof of purchase to netspend requesting the refund. I received an automated email, but no response from a real person. To date I have not received my check, or even a status on if/when the check will be sent. I have attempted to call customer service ( blocked ), corporate office ( no response ), and customer service and documents dept ( where the XX/XX/XXXX email was sent ). netspend has either stated I must call customer service ( blocked ), or has not responded at all, or has asked for an account number, but refuses to clarify what that means ( I only have a card, no account ). 

I have exhausted my options, and feel like I'm in a loop with the one form of contact who does respond. I don't think a customer service department should block callers who need help, or that a company should be able to withhold a refund because of a poorly implemented contact system where they consistently fail to respond. 


XXXX, XXXX XXXX
Consumer complaint received 2020-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AZ)

Department of education reported to loans on my credit for the first time XXXX against the cares act and not in compliance with the XXXX XXXX guidelines for XXXX XXXX see attached I have a home loan that should have closed and now will not close because of this error before covid I9 i was already working on a repayment plan this is wrong and the account needs to be removed from my credit report because of the law all federal student loans are in deferral
Consumer complaint received 2020-10-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (OH)

On XXXX at XXXX I couldn't withdraw money from my Cashapp card through an ATM. The ATM kept declining the card. There is no Customer Service number on the back of my Cash App card. So I googled the number, and asked XXXX. XXXX said CashApp 's customer support number was XXXX. I called XXXX and a man answered saying : " Thank you for calling CashApp customer Support. How may I help you? '' He had a XXXX XXXX accent. I told him why I was calling. He asked me to hold. He came back and said my card was declined because there was a block on it due to fraudulent activity. He said he could help square the problem away. He told me to go to the XXXX XXXX   and download XXXX  quick support. I did. Then he told me to go to CashApp and chose the option in the bottom corner to scan my card. Then he told me to go to the app and start broadcast. Then go back to Cashapp to link bank accounts. My XXXX XXXX   account was there, he told me to delete it and re-enter it, with my account and routing number, then he told me to move {$500.00} from my cash app to my XXXX account. I did that. Then he asked if it went through told him it did. Then he told me to enter XXXX with an access code, then next. He said it was fixed. Then he asked to see the chip on my Cashapp card through the scan app, he said great, everything is fixed, and in 5 minutes I would be able to sue the card again. Five minutes goes by and I see {$1.00} in my account. I called XXXX. They said the charges are pending not posted. They said to dispute it and try to get my money back when the charges have posted. XXXX returned just {$550.00} to my account. I filed a police report w/the XXXX, OH police dept. The detective has not returned my calls.
Consumer complaint received 2020-09-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (NY)

Hi my name is XXXX XXXX. I seen there was French bulldogs for sale. And I wanted to buy one. I contacted the seller. They told me to send {$900.00} and I did. When they started asking for more money. I said I want a refund. They have my full address name and phone number. I told them I wanted a refund and they blocked me. Please help me out. The app I used to send the money was cash app. I was photos and proof I sent it and I asked for a refund. Please I just want my money back. Thank you. My phone number is XXXX and my email is XXXX XXXX
Consumer complaint received 2020-05-26
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. (AR)

I was trying to cosign for my cousin to get a new vehicle and the car salesman told me my credit was too low. I told him to show me my report and print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. XXXX XXXX XXXX {$63.00} XXXX XXXX XXXX {$130.00}
Consumer complaint received 2018-07-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2017 60 days late as of XX/XX/2017 90 days late as of XX/XX/2017 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2020-09-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (FL)

The cash app has to be in cahoots with the scammers. I had an issue with moving money to my bank account and hit get help. Immediately went down the rabbit hole where they took all {$500.00}. Then to insult they called back. I tried calling the number for the company and they said I had to go through the app and tried taking me through the prompts which were incorrect.
Consumer complaint received 2020-05-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

XXXX XXXX XXXX XXXX, XXXX and XXXXr all ftc violations The Federal Trade Commission has charged the XXXX XXXX with falsely promising consumers they would receive a loan with no hidden fees, when, in actuality, the company deducted hundreds or even thousands of dollars in hidden up-front fees from the loans. 
of the XXXX  XXXX breach comes just one week after the Federal Trade Commission announced that XXXX  agreed to pay up to {$700.00} XXXX to settle a lawsuit brought by the FTC, the Consumer Financial Protection Bureau, and 50 states and territories, stemming from the credit reporting giant 's XXXX data breach, ... 
The FDIC says the XXXX units violated the Federal Trade Commission Act by falsely : Telling customers they wouldn't be charged a fee if they didn't carry a balance. Assuring customers fee refunds would be issued to those who canceled coverage within 30 days.XXXX XXXX, XXXX USA : FTC closes XXXX XXXX investigation into alleged stolen client information Financial ServicesPrivacyEnforcement The Federal Trade Commission ( FTC ) sent, on XXXX XX/XX/XXXX, a letter announcing the closure of an investigation into allegations that a XXXX XXXX XXXX XXXX XXXX employee misappropriated client information and transferred it from the XXXX XXXX computer network to a personal website accessed at work, and then onto personal devices ( 'the Letter ' ). The Letter states that XXXX XXXX XXXX   data security practices may violate Section 5 of the FTC Act and claims that an employee stole client information that later appeared on multiple internet sites. 

The Letter lists the FTC 's reasons for closing the investigation, including the fact that XXXX XXXX had already implemented policies designed to protect against insider theft of personal information. 'The FTC 's decision to close the investigation should not be construed as a determination that a violation did not occur, just as the pendency of an investigation should not be construed as a determination that a violation did occur [ ... ] The FTC reserves the right to take such further action as the public interest may require, ' the FTC said.
Consumer complaint received 2020-05-27
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. (TN)

Equifax is reporting incorrectly that I am ( XXXX ) days late on the INSTALLMENT NOTE partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (LA)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXXE, XXXX XXXX, XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX. 
Company Inquiries MXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-26
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: Experian Information Solutions Inc. (FL)

I received an old bill for XXXX XXXX XXXX XXXX in XXXX, FL. I never received the original bill as there were a plethora of mail related issues. I called the number on the bill XXXX and spoke with billing. I explained that I would like to take care of my bill for the physician, XXXX XXXX. The billing XXXX, XXXX, stated he no longer worked there and his private practice was dismantled when he joined a new department. She said all of the medical bills for the practice had been written off, and to disregard the bill because it was no longer valid. She also added they never notified patients in writing about disregarding the bills but if they called, they were notified over the phone.
Consumer complaint received 2020-08-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (WV)

I sold an item via XXXX. Money was sent via CashApp. Received notification that funds would be available on XX/XX/XXXX. XX/XX/XXXX funds were not available. Reached back out to the individuals about payament. Contacted the financial institution and was told there was nothing that could be done. I filed a civil lawsuit against the individual regarding my money. The judge told me it was nothing that she could do. She could not rule in my favor because the individuals showed were it was paid out. I showed the Judge where the money was never deposited into my account. Was told then to reach back out to XXXX.
Consumer complaint received 2020-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (FL)

American Express wont give my my negative balance back ( need for rent and for other card debt ). They told me that they can wire it to me once the balance is below XXXX. It would be quicker than mailing a check. I said great. 
Then it became 3-5 business days.After memorial day, i check back, they are now saying 12-15 business days. 
I will have to choose between missing a credit card payment, or skipping rent. 
This is not morally right. 
Wire transfers are almost instant. 
This seemed at first an AP days stretch of 3-5 business days.

Now its 12-15 ... and im going to default from this 'anomaly ' Card ends in XXXX ( amex magnet )
Consumer complaint received 2020-05-26
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (FL)

I have previously contacted Fedloan in the years past and notified them of the incorrect reporting but updates were never made to correct their reporting. XX/XX/2016, my area was affected by hurricane Matthew and forbearance was requested ; however, Fedloan continued to report late pays. Also reporting was incorrect prior to the forbearance request- they reported 2 -90 day lates 2 months in row not notifying me the accounts were 30 or 60 days late prior to reporting 90 day lates for 2 consecutive months. FedLoan is reporting these inaccuracies across all 3 bureaus. The incorrect reporting occurred from XX/XX/2016 to XX/XX/2016.
Consumer complaint received 2020-05-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my reportXXXX XXXX {$10000.00} XXXX XXXX   XXXX {$18000.00} XXXX XXXX {$25000.00} XXXX  XXXX {$380.00} XXXX  XXXX {$270.00} XXXX XXXX {$1800.00} XXXX XXXX
Consumer complaint received 2024-10-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

XX/XX/year>, I noticed a charge from a XXXX XXXX XXXX in my credit card. Transaction date XX/XX/year> with posted date XX/XX/year>? I called XXXX and they found no charges I did through them and I called XXXX XXXX XXXXXXXX and filed a dispute. The current card was shut down and a new card mail. On XX/XX/year>, I called back to get a tracking number and was told I withdrew claim? XXXX researched and found the fraud claim analysis closed claim and filed a new one under the card number at that time and a new card issued to me. I called back in XX/XX/year> XXXX I noticed the charge back on my card again {$540.00} and the bank fee of {$27.00} was removed on claim # XXXX. I called back again and told the claim denied but could not find out why. I called again on XX/XX/year>, again on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and on XX/XX/XXXX I spoke to a supervisor in back department and she said the claim was denied bcuz it had been longer than XXXX days the transaction was done in XXXX and paid in XXXX She put in a rush research and have decision in XXXX days they would call. On XX/XX/year> and again on XX/XX/year> I called back and was told a letter would be mailed out with documents proving I did the charge and she could not file another claim nor was there anyone higher up that I could talk too but to wait on supporting documents! I have yet to received anything of suchto this date of XX/XX/year>.