davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (NC)

On XX/XX/2020 at around XXXX XXXX  transactions started to come out of the account as my husband was holding the phone on his hands. These transactions kept coming in until about XXXX XXXX. As the money was being pulled out of the account and sent to multiple people my husband and I kept pressing cancel transaction and issue a refund. we quickly reported the cashapp card stolen though we have the physical cards with us to prevent further transactions. I call the police immediately and filed a police report and submitted disputes for those transactions to cashapp. Cashapp replied by stating that we had to contact my bank and XXXX since {$530.00} were sent to XXXX to a card ending on XXXX. I had {$1300.00} in the account to complete my mortgage payment of {$1300.00}. However, my mortgage company never saw the money. I was taken right before our eyes. I contacted cashapp and they did not look into these suspicious transactions since they are saying that the transactions look like they were sent from my account. However, as these accounts were happening someone had XXXX my cash pin. Normally when you have a transaction and you want to send money or add money to your cash app account you have to have a cash pin otherwise the transaction will be cancelled. That did not happen at all. At this point cash app has done nothing to help me file a dispute nor investigate my claims. The institutions that they referred me to stated that they can not help me because these transactions originated from cashapp. I just want to recover my money and figure out who would do such horrible things. I still have to pay my mortgage company and cashapp is offering direct deposit and debit cards and my consumer agreement stated that if I notify them within reasonable time that my account has been compromised they would dispute it. However, they have done nothing about the situation.
Consumer complaint received 2020-11-19
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: Experian Information Solutions Inc. (DE)

I XXXX XXXX HAVE SENT NUMEROUS OF LETTER TO ALL THREE BUREAUS WHO REFUSE TO CONDUCT A PROPER INVESTGATION TO THESE NEGATIVE & INNACURATE ACCOUNTS REPORTING ON MY CREDIT. THEY WILL COMPLETE THE INVESTIGATION IN 2-3 DAYS SAYING VERIFIED WITH NO PROOF OF HOW THESE ACCOUNTS WERE VERIFIED. EXPERIAN HAS SENT ME NUMEROUS OF LETTER INDICATING THAT THEY WILL NO LONGER COMPLETE AN INVESITAGTION BUT WILL REFUSE TO EXPLAIN HOW THEY VERIFIED THESE ACCOUNT.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2020-10-22
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc. (GA)

Yes I recently noticed missing money from a cash app card. Their was no record of the missing money and nothing showed on transactions. The amount available was just missing the funds. I went back and started adding up transactions and found more money missing. I contacted cash app support and through E-mail only was able to find out after several E-Mails on their end they said account showed a business account and had been converted. On my app it showed personal. They stated a additional 3 % per transaction was taken for a business account. I ask for any information on how or when this took place and no information was or could be provided. They simply said it was converted back to personal. I explained I didnt convert it and ask for mire information again on how or when this could have happened and a record of how much was taken. They stated no information could be provided. I ask to speak with someone and was ignored. Their is nothing on app or online showing anything about any of 3 % taken from the account. It was just missing from available funds. They wont answer any questions and will not refund any missing funds .. To me not showing money taken or not being able to get any information on when a account was converted or even a record of deductions is a very fraudulent thing.
Consumer complaint received 2020-10-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Block, Inc. (WA)

on Tuesday XX/XX/2020 i had made a dealto sell my XXXX XXXX wit someone on offerup an they agreed to buying the phone which that same day i shipped the phone and i had given him the tracking number to complete the payment on cash app so the funds would be directly put into my account which didnt happen then i emailed cash app an they told me to change my settings an change it to business as i did then they said my money would be on my account by XXXX yesterday and today an previous before i had to refund XXXX then the money would be in my account then i got a email today talking about XXXX charges then doubled the amount of money to do the same thing wit the XXXX plus saying i owed some more money to cash app which i dont i jus want the money that i was supposed to get.
Consumer complaint received 2020-10-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Block, Inc. (FL)

SQUARE Since XX/XX/2020 we started to sell products through our web page XXXX   and our e-commerce was Square. The first days we passedseveralcontrolsof safety verifications with Square. Since day one, Square knew that our clients in XXXX paid with pre-pay credit cards.We have 84 transactions without problems.Aftereach sale, we received from our clients the Payment Authorizations and we shipped their productos. The shipping policies are in our website XXXX. In XX/XX/XXXX, four XXXX  clients bought some products and each client paid {$1100.00}. Two hours after, we received the terrible email from Square Were sorry to inform you that we are deactivating your account. We reviewed you account and found that your Square account processed an excessive amount of prepaid card transactions, with violates the Square Seller Agreement, and your outstanding balanceof {$4700.00} will be reserved for up to 180 days ( but no less than 150 days ). It was terrible for us! We shipped all products to the clientes, and we received from their the Payments Authorizations.Until today, we have not been able to contact Square, they have a big wall, by phone we need a code, they dont have email. We have the payment authorizations and its no problem, its safe to us and to Square. Square wrote that if we need the money, we may refund the payment back to the cardholder account, but its impossible!!! the Argentinian banks said that we need resolve the problem with Square. Square knows that in XXXX banks dont exist payment back and that Chargebacks dont exist.You can read that in many forums on the internet many people complain about the same situation with Square.They do not find a solution.We discovered that square to all those small businesses thatholds their money for 90 days.Our sales have been to XXXX people and Square is discriminating and they are applying a return term of 180 days.This is very bad.Please, helps us, so Square can refund us our money, the pandemic is hitting strong our economic. We are a small home business. We did spontaneous videos, but the COVID changed our business life.
Consumer complaint received 2020-12-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (FL)

I went today XX/XX/XXXX around XXXX to XXXX XXXX to withdrawal funds from my td bank checking account through the drive through I was told by one of the banker that as I open the account online I need to come in to see one of their bank associate to resolve some issues with the account that I have with td bank then I went in I spoke with XXXX the banker lady she told me that they made a decision to closed my account permanently and she kept my debit card and refused to give to me back and withdraw funds also mean while I was waiting I was told disrespectfully to wait to move away while I was seated on front of the banker then I was explaining to her how I feel that is unfair the treatment which they made me waste my time going home then they called me to come back to the branch then I went and they still told me to they gon na closed the account permanently for ever with the bank and through that time from XXXX to XXXX XXXX somebody use my debit card and I had to called the police from the branch the police show up to help with the matters but the td bank employee covers some story about the matter which is unfair and after all that drama they gave me my debit card back but still the manager told me that they gon na close my account permanently which I think I was discriminated by my skin color and race I wan na exercise my right as human being I filing this complaint thank you I already called the customer service from the bank but I was discriminated by this bank ... ... also another details they told me back in XXXX I had and account with them there was an old balance around XXXX dollars which I paid XX/XX/XXXX they said that was one of the reasons but I been with td bank for about 7 months or longer. And I have others product with that institution but everything is recorded in the branch how I was treated as prove and XXXX the banker kept my debit car for about 3 to 4 hours and after I called the police I got the debit card back under their owns description like they are trying to cover the story and hide the true I was discriminated because my race and skin color also the question me like the police about my account and the manager and other supervisors told me the same that they gon na close the account permanently for ever and never in my life be a customer for td bank everything is under branch video even when the teller walk from the counter and got my debit card from XXXX XXXX of the ladys that started the matter and disagreement about my account and relationship with td bank my prove is the bank recorded camera and videos
Consumer complaint received 2024-09-04
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: Experian Information Solutions Inc. (WA)

My credit report has been pulled up by these companies and applications were done in my name, I don't recognize these fraudulent inquiries nor have authorized them. I have contacted Experian and a representative told me that they would be deleted from my credit report but I still see it, it's adding unnecessary stress in my life.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX ( b ) ( XXXX ). I kindly request that you delete and block this information from my credit report within XXXX business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted company information. Please delete the following accounts. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2020-12-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion decreased my credit score by 106 points on XX/XX/2020 without any specific reason, which, I believe, has no negative factors involved.
Consumer complaint received 2020-12-27
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Commonwealth Financial Systems, Inc. (FL)

COMMONWEALTH FINANCIAL contacts me all the time, at work, on my cell, via postal mail & ive told them to stop contacting me. Ive also filed disputes with all the credit bureaus to remove this medical collection as it violates my privacy per the HIPAA ACT.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

I found errors on my credit report showing unpaid loans and more, leading to my car loan application being denied. These inaccurate credit reporting on your end are causing me a lot of stress and uncertainty about my ability to use credit for essential purchases.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told Experian and XXXX to reinvestigate these accounts : XXXX XXXXXXXX account XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX account XXXX XXXX XXXX  account XXXX XXXX, XXXX XXXX XXXX account XXXX XXXXXXXX, XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX  account XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

The FCRA
Consumer complaint received 2020-09-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (TX)

On XXXX XXXX2020 my account was closed they didnt send an email or anything they told me I could cash out by adding a new card or account to the account I have done so and they said they couldnt link the account I have been emailing them every week since. I have reached out via XXXX, and XXXX first they told me about the section they closed the account which still didnt give a reason to my account then after constantly writing them the saying Im going to sue them for keeping my money they blocked the transfer feature and now have my {$720.00} locked on that account I cant add a email or number to the account I dont want to log out because I wont be able to get back in the account. My account been closed since the beginning of XXXX its XX/XX/XXXX there isnt any recent transaction to go off. They are not responding anymore all I want is my money off that account
Consumer complaint received 2018-04-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OK)

I received this enclosed escrow statement from Bank Of America stating that I have an projected escrow short fall of {$330.00} for XX/XX/XXXX. My escrow account was review at the beginning of XX/XX/XXXX. I contacted Bank of American in XXXX and XX/XX/XXXX and was informed that I didnt have a short fall in my escrow account for XX/XX/XXXX. All of my obligations were paid for XX/XX/XXXX from my current escrow account. The account as of today, XX/XX/XXXX, doesnt have a short fall. All require payment from the account will be paid. 
I called Bank of American XXXX XXXX XXXX to find out why I received a letter about XX/XX/XXXX when we are still in XX/XX/XXXX. I spoke to XXXX, in XXXX, he informed me that my account was evaluated again using the projected insurance and tax amounts for XX/XX/XXXX and they arrived at this amount. I asked XXXX, was my current escrow account short. XXXX said no, the account was current. I asked him how this assessment could be done again in this year when Bank of American has not received any bills for XX/XX/XXXX. 
I told XXXX, if I paid this amount that was cause me escrow account to have an overage and that I didnt think that was legal. How can I be expected to pay for a XX/XX/XXXX escrow short fall when the bills have not been submitted to Bank of America for XX/XX/XXXX. XXXX transferred me to XXXX, a manager, and we had the same discussion. She informed me that there was nothing she could do. She filed a complaint for me with the bank. 
This is in my view, on the situation. It is a form of extortion because I am being forced to pay a debt that has not happened. Bank of America doesnt have any bills to pay regarding my account for XX/XX/XXXX. They will hold my funds and millions of other customers as an asset to make loans and draw interest to increase their profits.
Consumer complaint received 2020-12-27
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. (CA)

My Credit Profile has been damaged by XXXX XXXX with 2 incorrect and/or fraudulent late postings on my credit profile. I had a joint lease agreement with XXXX XXXX, the lease started on XX/XX/XXXX ( 3 year lease ), the vehicle was returned on XX/XX/XXXX and Mr. XXXX purchased a new vehicle, subsequently XXXX XXXX reported this account 30 days late for XX/XX/XXXX and 60 days late XX/XX/XXXX. This can not be possible when the vehicle was returned on XX/XX/XXXX paid in full at that time.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2018-04-12
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: CITIBANK, N.A. (OK)

The following company took taxpayer money and is now advertising that they will change their policy on lending : Citigroup.

Here is part of the article : Last month, Citigroup added restrictions on firearm sales for new retail-sector clients, requiring them to sell firearms only to customers who passed a background check, restrict sales for buyers under 21, and not sell so-called bump stocks or high-capacity magazines.

I was good enough to give them my taxpayer money, but a company will not be able to get equal lending policy due to restrictions that CITIGROUP thinks should happen in commerce.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score.

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.