davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (OR)

I have {$2500.00} in my Cash App account under tag $ XXXX. When I tried to access my account they requested I open a new account since I didn't have the old debit card with me that was linked to the account. 

I then established a new cash account under $ XXXX. 

Both the old and new account are under email address XXXX. 

I sent an original smail on XX/XX/2019 stating I was unable to access my funds in account $ XXXX. They asked me some verification questions which I submitted promptly. 

Over the next 9 days, I sent 9 follow up emails however haven't received any response. Then I sent over 20 messages to cash app support through the application and still haven't received a response. 

In essence, I believe Cash App owed by Square has illegally prevented me from accessing my funds. Therefore I respectfully request for the FTC to investigate Square and subsidiaries. What they are doing to military and veterans who uses there service is a crime and quite frankly theft. 

Below are the details I sent 9 days ago : Hi, 1. Your first and last name : XXXX XXXX 2. $ XXXX associated with your old account : $ XXXX 3. $ XXXX associated with your new account : $ XXXX 4. The phone numbers and/or email addresses associated with your former account : XXXX 5. The phone numbers and/or email addresses associated with your new account : ( XXXX ) XXXX - XXXX / XXXX 6. Last 4 digits of the debit card The following cards throughout my use of the service : XXXX / XXXX / and card ending in XXXX or last 3 digits of the bank account linked to your old Cash App account **or** the full zip code for the debit card Zip Code for all of my cards were XXXX 7. Last 4 digits of the debit card or last 3 digits of the bank account linked to your new Cash App account : LAST THREE BANK DIGITS : XXXX
Consumer complaint received 2021-02-19
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: HCFS Healthcare Financial Services of TeamHealth (FL)

On XXXX XXXX, 2021, Account Resolution Services add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. 
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service :
Consumer complaint received 2019-10-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (NY)

On Thursday, XX/XX/XXXX, my son sent me {$1000.00} via cash app. When I went to go into my cash app account, I noticed I was signed out. They require you to sign back in using a phone number. My phone number is linked with my cash app account and I have a snapshot showing the {$1000.00} payment, also showing that I get texts to my phone whenever a transaction is placed on my cash app. 

So whenever I tried to log back in using my phone number, and my email, the app continued to prompt me to create a new account. I had no way to access my account with {$1000.00} in it. I then had my son do a " test '' and try to send me XXXX $ to my cash app to see if a text would come through alerting me on a transaction. Not only did I not get a text, but my son got an alert that my account is no longer accepting payments and has been terminated. 

I have tried many times with customer support via email, andXX/XX/XXXX, to try and get my account back. Not only have they been no help, but they have completely stopped answering me. They do not have any live voice for customer support. 

I have no other options as I have a cash app account with {$1000.00} stuck in it with no help from customer support. 

My " XX/XX/XXXX '' on the cash app with the XXXX $ in it is $ XX/XX/XXXX I decided to further my research and go on XX/XX/XXXX to see if any customers of cash app could be dealing with the same problems. It turns out, many people have been locked out of their accounts with money in it and have not received any word from customer support via email. I can also attatch photos of customers XX/XX/XXXX to " @XX/XX/XXXX' who are experiencing the same problem. @ XXXX is one of the only " Customer service '' that cash app offers. 


Photo 1 : a screen shot of my sons payment of {$1000.00} to my account Photos 2, 3,4 : screenshots of cash app users on XX/XX/XXXX who are experiencing the same problem as me Photo 5 : showing multiple emails sent to cash support with no response back Photo 6 : a screen shot of a text I received alerting that a  transaction on my account has gone through, received when my son sent me the {$1000.00}.
Consumer complaint received 2021-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

To whom it may concern : This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found late payments on the report that are inaccurate. The account in question is listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the late payments reporting on the account listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report as being late. Please dont respond to my request by saying that the account have been verified, or that the late payments are accurate. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of the disputed late payments on the specified account, then please delete the late payments immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified late payments on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts, and unverified late payments, must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each missed payment, listed below within 30 days of receipt of this letter then you must remove these late payments from my credit report.

Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following account be properly verified or removed immediately. I am protected against the unfair reporting of the said late payments due to the Section 611 ( a ) ( 5 ) ( A ) ( i ), as well as being impacted by COVID-19. I have attached my extension agreements, although I was granted four extensions, they continue to report my account as 30-90 days past due. I am requesting that the 8 late payments be deleted immediately. 

ACCOUNT # XXXX XXXX account listed under XXXX XXXX ( maiden name )
Consumer complaint received 2021-02-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (NY)

eI am having a problem where i come out with a judgment entered in my name in New york state. I have been a victim of identitiy theft. 

I contacted CACH on few ocassions to send them a copy of the Police Report so i can get a release of lien and to no avail have i been able to get the matter resolved. My Social is XXXX I never opened that account and its showing a balance of XXXX
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 — Account information incorrect
Company: LOBEL FINANCIAL CORPORATION (CA)

LOBEL FIN XXXX** Balance Owed : {$0.00} XXXX XXXX**** Balance Owed : {$510.00} XXXX XXXX XXXX XXXX**** Balance Owed : {$3500.00} XXXX XXXX XXXX XXXX** Balance Owed : {$770.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2021-02-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have sent Transunion five dispute letters on XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020. All of the dispute letters were sent by certified mail. In response to these disputes Transunion failed to verify incorrect accounts on my credit report or even respond to dispute requests. Also, Transunion has violated CFPB laws stated in documentation not being able to verify with " so called '' creditors on credit report.
Consumer complaint received 2021-02-23
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 — Investigation took more than 30 days
Company: NAVY FEDERAL CREDIT UNION (GA)

Good morning, I've filed a dispute in regards to the incorrect items on my credit report, it has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2021-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA (FL)

KIA Financial has reported incorrect late monthly payments to all credit reporting agencies. It reported incorrect information from XX/XX/2020 to XX/XX/2020. Four out six months were reported incorrectly. I wrote a letter to KIA Financial to try to correct the issue and they continue to disagree. I have called and no one says they can help me. I have been trying to resolve this dispute for several months now. Very disappointing in the middle of a pandemic.
Consumer complaint received 2022-04-15
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. (NY)

As of XX/XX/2022 XXXX statue of limitations laws have changed to 3 years. This should no longer be reflecting on my credit report. Consumer Credit Fairness Act of NY. Not the original debt and no validation. I have tried speaking with them and all they want me to do if verify my information, I am NOT verifying anything with anyone unless I know what the said debt is all about. They have never provided me with the correct paperwork, sign contract or anything. These need to be removed from my credit reports and they need to stop contacting me in all forms about this said debt.
Consumer complaint received 2021-02-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (AZ)

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''
Consumer complaint received 2021-02-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I accepted a job offer that was posted on XXXX. My employer sent me a check in mail to purchase various office equipment via the XX/XX/XXXXI was told to inform him of when I got the check, so that he could give me the information to make the purchases. I recieved the check, deposited it into my account, and recieved email confirmation from my bank the funds were in my account. I informed my employer, he sent me the information to purchase the funds, and I did so. I a couple days later my account was over drawn from the purchases. I contacted my bank immediately and informed them of what happened. I provided documentation that I received from him, as well as all of the text messages he and I had sent to each other. My bank said that they were going to conduct there own investigation and would notify of there findings. I also went to the police and got in contact with a detective who was put on my case and was given a case number. After about three weeks my bank declared that it was indeed a fraudulent check that had been given to me, but they told me that I was responsible for said check, even there system deemed the check as good, when they released the funds into my account. My bank has been trying to hold me responsible for the negative balance, which I think is ridiculous. They have also frozen one of my accounts that has around {$550.00} in it that I can not access. This has been on going since XXXX of 2020. My hope is that you will help me hold USAA the bank in question responsible for clearing a bad check, and for releasing funds that are rightfully mine. I can provide all documentation that confirms my story.
Consumer complaint received 2021-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am listed as a authorized user on my wifes XXXX XXXX XXXX XXXX since 2017 however, it has never been reported to Transunion. I have contacted XXXX XXXX with my wife and they stated that they have forwarded all activity to the 3 credit bureaus since the opening of her account. 

In addition I believe the information is not being reported because my name on my report is incorrect as is addresses for me. 

Also, Transunion has put back on my report a collection that does not belong to me due to the name error. This account I have disputed before.
Consumer complaint received 2021-02-21
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. (GA)

I have submitted disputes to the 3 bureaus ( XXXX, Transunion and XXXX ) on XX/XX/2021. 

I have received no updates regarding the inaccuracies on my credit report from XXXX, XXXX  and no updated information from Transunion in regards to my personal information being incorrect.
Consumer complaint received 2021-02-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (GA)

My wife received settlement from XXXX XXXX company in the amount of {$9000.00} She opted to have the funds sent through PayPal for the so called quick and convenient service. She received the money uploaded her debit card information, she tried to cash out the money but was only allowed to send {$500.00}. So she called PayPal numerous times and got messages stating due to high call volume no-one maybe be able to answer the call and then the call drops. She finally got a representative explained her issue and the representative restored her account. My wife then sent {$5000.00} to my PayPal account then she sent {$3500.00}. I received the money and tried to cash it down to my XXXX XXXX account and when I did that I immediately received an email from PayPal stating that my account was shut down and closed and that I could look at my account but was unable to claim my money or perform any transactions and that they would be holding my money for 180 days/6 months. This is unacceptable, we are in a pandemic and my family needs all of the money that we can get to survive. I currently have an eviction and my family will be forced out of our home. I as well as XXXXXXXX XXXX opted to use this service as a way to get the money to us quickly to help us resolve our financial woes, but now we are face wit PayPal stealing our money.
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX TransUnion XXXX XXXX  CRA & # XXXX ; XXXX On XX/XX/2021, I mailed XXXX TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Consumer complaint received 2021-02-22
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 — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2021-02-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: FIFTH THIRD FINANCIAL CORPORATION ()

fifth third bank refuses to remove my email address from a customer account. 
I do not know this customer and I amreceiving personal information and banking information. this is obviously a security risk. 

I've contacted them 5 times over the week ( a response to each customer email sent to me directed to security/fraud dept ) and I've called them 4 times today speaking with various departments. 

no one is taking it seriously, no one can do anything. The customer used my email address and I have no way to contact them. 

It started XX/XX/XXXX and today XX/XX/XXXX I have called numerous times to 53 bank. 

I have informed them I am lodging this complaint.
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 — Account status incorrect
Company: RS Clark and Associates, Inc. (OK)

Rs Clark and associates is still showing an unpaid balance to original creditor XXXX XXXX XXXX. I call XXXX XXXX and they confirm I have a XXXX balance and it was paid 3 years ago but refuses to provide proof. Neither company will communicate with the other and my efforts to dispute with XXXX and XXXX  were denied.
Consumer complaint received 2021-02-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: GOLDMAN SACHS BANK USA (NV)

I Have an Apple Bank credit card that I use through my mobile wallet on my XXXX. Everything worked wonderfully until XX/XX/XXXX from which point onward I have been unable to view transactions occurring on my account, view statement detail, and otherwise manage my account. I can still make charges, but I can not see if my payments and refunds have been applied, or if there any illegitimate transactions being applied, or any interest being applied ( there should be none - Ive paid my interest-free balance every month by the due date ). 

On XX/XX/XXXX, I contacted support via XXXX  Chat. They sent me a link to check my transactions and the link opened to garble ( attached ). They had no other way to assist me.
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 — Account status incorrect
Company: EQUIFAX, INC. (DC)

Hello, I was informed based on this website CFPB that federal student loans were automatically not being charged interest or late payments being reported to Credit Bureaus per the CARES act. However, XXXX reported to the credit bureaus that I had a 90 day late payment which has affected my credit score and it dropped 93 points.
Consumer complaint received 2021-02-22
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (PA)

On XX/XX/21 I used a phone number that I googled and believed to be the Wayfair credit card payment line to pay my recent credit card bill. I made the payment and was told I would receive a statement of the payment, but it was never sent. On XX/XX/21 I received a suspicious phone call saying that my transaction had not been completed and that I still owed them my bill. When I called number listed on my bill, I was told that my account was now overdue and was not directed to a customer service representative to resolve the issue. I am confused because each time I call, I have a different answer. They either say they can't find my account or that I owe a debt. I also don't understand why I can't get a customer representative to help me. When I was able to find one on XX/XX/21. I feel that I have been scammed. I don't know if my information was stolen or if there is a glitch in Wayfair 's system