davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (GA)

I had money sent to me by cash app for $ XXXXthis happen every month but this XXXX the account was locked. Cash app says they can not unlock the account because of security with no further details.therefore the sender ask for refund he was told no because it the money was in my account.cash app did offer me any way of getting my money and then transfer to my bank account that was attached to account or put in cash app none this is done the just keep my money is this legal
Consumer complaint received 2021-07-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc. (FL)

I am a landlord. In late XXXX and early XXXX tenants sent me money via my cashapp account. It did not deliver. When I called the person there said I should delete the account and start over. When I did I was frozen out of my account. I got a loop in the app which would not allow me to login with my name. 
I need this money which is XXXX. 
My cashapp account was my name
Consumer complaint received 2021-05-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (TX)

Cash app closed my account without any notice. I had previously purchased stock thru cash app, after noticing my account was closed I attempted to sell my stock in the app but continuously go an error message. I email the provided contact information over 4-5 time and could never get any assistance. A live rep isn't available so I continued over almost a year trying to get assistance. I reached out to XXXX chat in XXXX and was told that the opened a case to help me and it's been over 2 weeks and I still have received any assistance.
Consumer complaint received 2020-06-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (AE)

After speaking with Citibank about the credit card that was unknowingly opened by a family member and filing a complaint with the cfpb, they had responded to my complaint stating that they had conducted a investigation. The fraud department states that they had found a joint account with my name associated with it that was making payments. I was unaware of these payment and have now started making two payments because the bank refuses to acknowledge that this card was opened fraudulently. Furthermore, the message that Citi responded back with stated that they would add comments to my credit report which stated that the consumer does not agree with the findings. I have not used this credit card nor did I personally knowingly open this credit card.
Consumer complaint received 2020-06-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

In 2018 I called the creditor which is capital one several times about complaints of the mount was being taken out of my account So that I may not get charged for affinities of late thes and other fees so I can get caught up I thought we understood each other they did not confirm the entered a deal I did mine I don't know what happened I want this taken off is very unfair situation I called and work with them several times they're not given the credit they saying that they given you credit in and taken off the the late fees and next thing you know you make a couple of payments in your right back at it again I've already report to the FTC Several times so I'm gon na say this again have you have no proof of this estab son that this is mine and every other thing that is all my credit that is really unconstitutional this is my credit supposedly I should know what is mine and what is not mine I want is taken off you guys have 15 days not 30 days to the of all ready given 30 days to creditors and they're not responding I want this taken off
Consumer complaint received 2020-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I am not sure if I have classified this correctly in the previous sections, but I will try to explain better here. 

In XXXX of 2020, I filed a dispute with TransUnion because an account which I thought I had closed was still appearing on my credit report. The account was a credit account with a XXXX balance and a {$25000.00} credit limit. 
The next day, I withdrew the dispute once I discovered that the account actually was still opened. TransUnion accepted the withdrawal and stopped processing the dispute. TransUnion then proceeded to drop my credit score, which is calculated by them using their triple VantageScore formula, by over 60 points based solely on this withdrawn dispute. Nothing in my credit report has changed beyond the filing and withdrawal of this dispute. Their inexplicable reduction of my credit score has caused me issues with other creditors and has, in fact, led my credit card company to place a hold on every payment I make until that payment clears the bank because I now pose a " risk '' due to my credit score. I have spent years trying to build up my credit and TransUnion managed to destroyed it in one day. 

I contacted them about this and they refuse to address it so you are my only hope.
Consumer complaint received 2020-06-24
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (AE)

When attempting to ask for a goodwill request over the phone, the 3 customer representatives that I had spoken to had recommended that I send in a letter explaining that I would like my credit card late payments to be removed. However, after nearly two months, I have not gotten any response from Capital One. The customer service representatives have been trained to direct any questions to the capital one office in Utah.
Consumer complaint received 2020-06-25
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Letter of Complaint : Refuse to Validate Debt Beginning in 2019, Ive disputed the debt with the major credit bureaus, as well as Bank of America. I requested proof of validation. So far, none of them have been able to provide such proof to me. I have sent multiple follow-up letters to each of the companies, and there still is no proof. At this point, XXXX, XXXX  or XXXX, no longer responds, or update the account. 

I have fully investigated my rights in this matter. Under the Fair Debt Collection Practices Act, if no proof is provided to me within 30 days, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates as evidence of my requests ( see enclosed ). Under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence. 
According to the Fair Credit Reporting Act, if the debt cant be verified within 30 days, then it must be removed. Telephone Communications with XXXX, XXXX  and XXXX  claim to have verified the debt, but this is, in fact not true under law. Simply contacting the alleged creditor, and asking them to match up numbers in their database, or or using the XXXX Oscar System to input codes is not sufficient verification.
Consumer complaint received 2024-10-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION (NY)

To Whom It May Concern, I am writing to formally dispute Navy Federal Credit Unions actions related to my account. After opening my account and receiving statements from Navy Federal, I was informed that I would not be issued a card, my online account access was frozen, and I am now unable to fully access my account funds and services. These actions, which were taken without appropriate explanation or due process, have caused significant inconvenience and may violate my rights as a consumer.

Under 12 CFR 1005.6 ( Regulation E of the Electronic Fund Transfer Act ), financial institutions are required to provide transparent access and protect consumers right to access their funds in a fair and timely manner. By blocking my access to my online account without adequate justification or notice, Navy Federal may be in violation of these requirements. Additionally, 12 U.S.C. 5531 of
the Dodd-Frank Wall Street Reform and Consumer Protection Act prohibits unfair, deceptive, or abusive acts or practices by financial institutions. Blocking my access to funds after approving my account and sending statements constitutes an unfair and potentially deceptive action. Navy Federals decision to withhold a card and restrict account access after accepting my application and issuing statements gives the appearance of misrepresentation and undermines my trust as a consumer. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, Navy Federal has a responsibility to ensure the accuracy and integrity of information they provide to me and to
consumer reporting agencies. If my account activity is being reported inaccurately due to these restrictions, it further impairs my access to financial products.

I am requesting : 1. Immediate Restoration of Online Access and Full Account Access : Navy Federal should remove any restrictions on my account and restore my online access, as well as issue the card initially promised to me.

2. Written Explanation for Restrictions : Navy Federal should provide a detailed, written explanation of why my account access was restricted, why I was denied a card, and the legal basis for such actions.

3. Assurance Against Future Unjust Restrictions : I ask Navy Federal to outline the steps they will take to ensure my account access is protected, and to prevent any future occurrences of this nature. 

Please consider this letter as a formal notice that, if my access is not restored promptly, I will escalate this complaint to the Consumer Financial Protection Bureau ( CFPB )XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and other relevant agencies for further investigation. 

Thank you for your prompt attention to this matter. I look forward to your immediate response and resolution. 

Sincerely, CC : Consumer Financial Protection Bureau XXXX XXXX XXXX
Consumer complaint received 2020-06-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates (MI)

Dear Collector : Please be advised this letter is a demand for validation pursuant to the Michigan Consumer Protection Act and the FDCPA, made by XXXX XXXX. Your failure to respond may trigger action for damages brought by an individual consumer against XXXX XXXX XXXX, for violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692 et seq., and the Michigan Collection Practices Act ( State Act ), MCL 339.901 et seq., which prohibit debt collectors from engaging in abusive, deceptive, and unfair practices. Furthermore, FCRA Sections 623 ( a ) ( 5 ) ( A ) & ( B ) stipulates what a collection agency must do to attempt to determine the date it must provide to a consumer reporting agency for calculating a seven-year period. This date is a key to ensuring that collection accounts, even when transferred from one collection agency to another, do not result in a change in the calculation of the seven-year period for retention of adverse information. 

Be advised THIS IS NOT MY DEBT! Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692 ( g ) : I XXXX XXXX states that your claim is disputed and validation is requested. During this period of dispute, consistent with the requirements of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692 et seq., you are required to stop all efforts to collect this alleged debt and remove any negative reporting to any credit reporting agencies or be held accountable for the ensuing liability and penalties arising under the FDCPA. Further consistent with the requirements of the FDCPA, 15 USC 1692g, please verify the debt you are seeking to collect, in writing, in the following particulars : What the money is owed for ; Explain and show how you calculated what you say is owed ; Provide copies of any papers that show the amount claimed to be owed was agreed upon ; Provide a verification or copy of any judgment if applicable ; State if you purchased this debt from the original creditor ; Prove the Statute of Limitations has not expired on this account Show proof that you are licensed to collect in Michigan Provide copies of your license numbers and Registered Agent
Consumer complaint received 2021-04-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (GA)

At XXXX on XX/XX/2021 I tried to withdraw my money that I had on my cash app card. When trying to withdraw my money from the ATM, I kept receiving an error message. I immediately contacted cash app support team explaining to them that I was not able to withdraw my funds from an ATM nor at a grocery store cash back purchase. The representative told me to try again that it should work, it didn't. Again on XX/XX/2021 I reached out to cash app support and explained to them that I am not able to cash out funds by linking a debit card nor can I cash out by linking a bank account, every time I tried it gave me an error message saying failed to link bank or incorrect info. yet when I go on my banking app I am able to login so I expressed to the representative it is not the wrong information that Im entering and every time I try to link a government issued bank debit card or link my account and routing number it gives me a error message. The representative then tells me that unfortunately there is nothing that she can do as she gave me all the options I have and all I can do is try linking new banks and cards as the ones that I tried are not able to be linked to cash app and she can't override it. Long story short, I have been messaging and emailing cash app managers and representative about this issue since XX/XX/2021 and I have not been able to get my money off. I am not able to send or receive money because they closed my cash app account shortly after my complaints to them and told me that my account was in violation because I requested a refund. I am not able to transfer, receive, send, or cash out my funds.i have asked for a check to be mailed or for any help of any kind and I get the same message In response from their support team.
Consumer complaint received 2020-06-25
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (OH)

XXXX XXXX two purchases were made ( home depot states they were online ) and charged items were picked up at home depot in XXXX fl. we called home depot once we received a stmt and noticed the charges, they closed the acct sent new cards and reversed the charges pending a fraud investigation. the credits were reversed so we called and they said that the receipts were signed with my husbands name we argued that we live in ohio and that we wanted the signatures on the receipts compared to his drivers lic-which we faxed them we also requested a copy of those receipts that they were comparing the signatures to ( we never received them ) we did hear back from them so a couple weeks later we faxed a formal dispute letter. still did not hear back for like a month and when we did they said that based on their review we are responsible for the 2 charges. i don't understand how they can make us responsible for purchases we did not make -- someone signed my husbands name and i know for a fact that if the signatures were compared one would see that it was not XXXX that signed for them.
Consumer complaint received 2021-04-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (CA)

I was contacted by cashapp support explaining that I was in violation of terms and conditions. I have {$130.00} on that account and do not have access to it. I would like my account to be reactivated or atleast be able to get my money that is just sitting there. I have bills to pay with money Im not able to have access to. It would be much appreciated. Thank you
Consumer complaint received 2020-06-24
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2020 I was looking at my transaction history on my Bank of America pre paid acct that I get my unemployment benefits from and I noticed MANY Atm cash withdrawals starting on XX/XX/2020. Started with {$100.00}, {$200.00} then many more at different atm locations on XXXX XXXX even tried on the XXXX of XXXX. Luckily I had canceled my card by that time but they were still able to withdraw approximately {$2600.00} I have no idea how this could have happened. I never misplaced my card or ever let anyone use it. When I contacted the bank they canceled the card but they said I would need to talk to someone in the claims dept for the fraudulent charges so when they transferred me there I could not get through. I was holding for hours and then I would get disconnected. I tried for 2 days finally I got through during those 2 days I had filed a police report so when I spoke to the claims dept they told me I did all the right things my claim should be taken care of quickly. Etc. no more then 10 business days should I see my provisional credit on my account. Its been 10 days and I havent seen any credit or any update EVERYTIME I CALL THEM they always give me the run around and nobody knows the status or whats going on. This company is a joke. I dont know what to do anymore.
Consumer complaint received 2021-07-06
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. (TX)

I had 13 transactions on XX/XX/2021 that happen back to back between XXXX to XXXX all adding up to the amount of XXXX XXXX I had no knowledge of these transactions as soon as i came across my balance i immediately contacted Cashapp support by email and i was contacted over phone i explained everything and was told there isn't a direct phone number so it would be resolved by email so i waited for an email and i responded back with all the screenshots and information about the transactions that i needed to dispute they said once the transactions went from pending to complete is when it could be refunded they told ne to just be patient slowly a month went by and kept emailing and reporting the transactions and still nothing a month later i need help to get my money back
Consumer complaint received 2021-04-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (CO)

I did a money transfer from my bank account to my cash app account for {$180.00} however I did not use the cash app card I tried to send {$180.00} dollars back to my bank account it was canceled for the transaction called cash app XXXX and spoke with XXXX from cash app he told me me to download two apps # 1 XXXX XXXX # 2 XXXX XXXX  so those apps can view everything on your phone in the interview process he told me to push in {$100.00} the XXXX XXXX dollars came from my bank account with him on the phone my bank Frud protection services called me and asked if Arthurise this transaction after I got off the phone with Mr. XXXX I told my bank no I didn't my bank closed my debit card I called cash app back after back and forth with saying that I was refunded and I made a cash app transaction to another account / I tried to tell them that how did the money get into my account and back to the cash app when my debit card was not working ) ) please look into this matter..
Consumer complaint received 2020-06-24
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. (WA)

To whom it may concern, My name is XXXX XXXX XXXX. I request these items beloved to be immediate investigated and removed if inaccurate as they are not belong to me. According to Fair Credit Report Act, I expect you to complete this verification withins 30 days. 
**Address** XXXX XXXX XXXX XXXX XXXX, WA XXXX This address is not mine, delete it!! 
**Hard inquiries** _XXXX XXXX Inquiry : XXXX XXXX, XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Inquiry : XXXX. XXXX, XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Inquiry : XXXX XXXX, XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION _XXXX Inquiry : XXXX XXXX, XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION _XXXX XXXX Inquiry : XXXX XXXX, XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Inquiry : XXXX XXXX, XXXX Miscellaneous Reptg. Agencies UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION
Consumer complaint received 2020-06-24
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. (OK)

I have submitted disputes to XXXX, XXXX  and TransUnion regarding inaccurately reported late payments for accounts that were in forbearance. The accounts have since been closed but the accounts late payments are still reporting inaccurately. In addition to that, other information is reporting inaccurate as well just as the date of late payment and date the account was open. The bureaus have failed to provide me with detailed information regarding the verification and proof of the verification. I have spoken with countless representatives at all three bureaus as well as the lender.
Consumer complaint received 2020-06-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RICHLAND HOLDINGS, INC. (MD)

Spoke to the company reporting debt to credit agencies, based on the information there reporting, I had medical insurance coverage at the time and the fail to invoice XXXX XXXX   XXXX XXXX XXXX. Both companies were on 3 way call and was adviced to send invoice but company could not produce invoice nor where they tried to submit invoice. So this is inaccurate information harm credit causing me Turbulence and request that this be removed ASAP.