davidheineman/consumer-finance-complaints-large huggingface dataset:
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: WELLS FARGO & COMPANY (TX)

On XX/XX/XXXX, I received a text message claiming to be from XXXX, stating that my parcel delivery was incomplete. The message included a link that led me to a site where I was asked to provide my address and credit card details, which I entered, assuming it was for delivery purposes. 

On XX/XX/XXXX, I discovered four unauthorized transactions made in Michigan, although I am currently residing in XXXX, XXXX. When I reported this to my credit card company, they informed me that they require a complaint number in order to process the fraud claim. 

Payments made : Date XX/XX/year> - XXXX # XXXX XXXX XXXX XXXX  XXXX XX/XX/year> - XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> - XXXX XXXX XXXX After these transactions, i blocked the card and i reported it to my credit card company.
Consumer complaint received 2021-11-24
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Block, Inc. (NY)

I received a XXXX XXXX XXXX XXXX in the mail for an account around XXXX XXXX. 

I have never opened a Square account. This is a cause of fraud/identity theft. 

I contacted Square. Through XXXX conversations, and XXXX email exchange, I discovered that multiple accounts have been opened in my name, using my birthdate and social security number. I have not been able to get consistent answers about exactly how many accounts had been opened. 

On the phone with customer service on Wednesday XXXX XXXX, they told me 4-5 accounts had been opened in my name, and assured me that they had been " deactivated ''. I asked for confirmation in writing, and they said that would take 1-2 business days. I gave them my email address. 

I did not receive the confirmation, so I had an email exchange with customer service at Square that I initiated the following Monday XXXX XXXX. In this email exchange, the representative told me that they had " missed XXXX accounts '', but now all accounts were closed. They failed to respond to my followup inquiry about exactly how many accounts had been opened and closed. 

I then called customer service again on Wednesday XX/XX/XXXX. I was now told that there had been XXXX accounts opened in my name, dating back to 2013. XXXX were opened " recently ''. I was told that they weren't sure if they would be able to get me anything in writing confirming that the accounts were closed.
Consumer complaint received 2023-06-10
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: 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. 

XXXX XXXX XXXX, XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.
Consumer complaint received 2023-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

XX/XX/2023 : Attached documents prove that XXXX XXXX 's credit bureau reporting for this account during the month of XXXX is incorrectly stating that the account was 30 days past due. Documents show that multiple payments totaling {$3900.00} were made by myself, accepted and posted to the XXXX XXXX account during that month. The payments were applied to the card and it functioned normally. Payments have been made on time/early throughout every single billing statement since opening the card, and XXXX notifications of past due/late amounts were sent to me for the month of XXXX. Furthermore, to my recollection, the month of XXXX was originally reported correctly as current, and it seems the change XXXX have occurred following a dispute focused on the following month. Credit monitoring services now show the account as " 30 days late '' " {$0.00} '' past due for XXXX. An earlier dispute details a more complex issue for the month of XXXX in which an XXXX  XXXX  supervisor, on a recorded line ( case XXXX ) identified a technical glitch -originating solely from XXXX XXXX- which caused numerous payments from previous months to be " returned '' ( attached statements from my corresponding checking account prove that they were not returned to any account of mine, and that it was not possible for myself or XXXXXXXX XXXX to have requested returns ). This happened on XXXX XXXX, and payments were sent within XXXX hour of notification each time. Attached documents prove that an error code generated by XXXX XXXX, indicating XXXX XXXX  or myself requested those returns, is WRONG and not possible. Though payments were initiated by myself and marked as accepted to the XXXX account, XXXX XXXX participated in no interaction with my bank account regarding the debiting, or returning of those payments. Attached documents will show that XXXX XXXX generated numerous technical issues, all of which were dealt with immediately by myself, and there was never a period longer than an hour in which the card issuer or consumer was aware of any issue or further action needed. Attached documents show that XXXX XXXX XXXX XXXX  violated regulations in credit reporting, as the account was never late, and there were no notifications of an account being past due for the month of XXXX. On XX/XX/XXXX on a recorded line, I was assured multiple times after experiencing/rectifying XXXX XXXX XXXX glitch that the account had always been current and no action was needed from myself. At the time of filing this complaint, it appears the XXXX reporting of the account may have been corrected to " current '' but I have not received confirmation. Statements for the months of XXXX - XXXX are attached.
Consumer complaint received 2021-11-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (CT)

I used square card to take payment for items i was selling online. Square card sent the invoice to the customer and took payment via credit card from the buyer. They put the money in my account. I then shipped the items to the buyer, received signature confirmation! Several weeks kater a chargeback was filed as " not recognized ''. I provided square card with all of the emails which stated he had received the items, and filed the chargeback because he thought i was a scammer, but he would call gis bank and try to cancel the cchargeback, apologize for the confusssion. Dispite all of this evidence the money is still being taken from me. The amount is {$3100.00}, i am expected to pay even though i have no product. I tried to speak with square and they blocked my phone calls and are now threatening me with collections. I had to file a police report as this is FRAUD, he buyer clearly stated he got the items, and filed the dispute in error. His reasoning of " not recognized '' is clearly fraud and nothing is being done about it. It is considered grand larceny according to my local police dept. They should be going after the card company and or the card holder as fraud is illegal, and they have evidence of him admitting to such.
Consumer complaint received 2021-11-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (TX)

I had an unauthorized payment sent from my cash app account for XXXX XXXX on XX/XX/2021 {$880.00} I tried to handle with the cash support people but never did they answer me anything about how to handle this situation. I did not do this payment, I do not know this person and never would I have sent money too. 
I tried XXXX times to submit a request about it and still can not recover my money back. I had even requested a refund and didnt not it anything Reportes it on XX/XX/2021 and again on XX/XX/2021
Consumer complaint received 2022-12-30
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO. (PA)

Hi my name is XXXX XXXX XXXX XXXX XXXX and I am a XXXX XXXX and XXXX XXXX. During the month of XXXX I fell victim to a banking scam, and it basically affected me my whole first semester. I was banking with Chase Bank of America at the time, but now I bank with XXXX. In terms of the banking scam and the problem with my bank is that I was sent money, I believe they were two {$1000.00} checks, which were apparently altered or stolen checks that were put into my account by a scammer. I was not comfortable with the money being in my account so I sent the money back to this ( scammer ) that I didnt know was scamming me at the time. Then a few days later I looked in my account to see that {$2000.00} dollars was returned out of my account by my bank, and they did this without my knowledge. Then I contacted the scammer out of panic to try get my money back, after speaking with the bank, and they said there was nothing that they could do. This led to multiple unauthorized XXXX payments of {$500.00} amounts and false checks that were eventually taken out of my account by the scammer. The scammer even filed dispute claims on transactions that I made, and one of them was a tuition payment that I made towards my first semester of college. This shows the lack of security and lack of accountability that chase holds. They completely refused or claimed that they can not do anything. Eventually my account went in overdraw, and I went from having {$9000.00} to {$0.00} from my savings and checking account combined over the course of 3-4 months, and then it even went in overdraft because of all the false checks that were being put into my account and being returned that I am now accountable to pay off when I now have little to no money. I am working with my school and the police to try resolve this situation that I am in as well. I hope this is enough information about my situation, and I apologize if I did not include any specific dates because after the first incident with the checks it went out of control, and I couldnt keep track of everything on top of school. I learned a valuable lesson, and even though it affected me, I think of it as a learning experience and I am going to recover from it.
Consumer complaint received 2021-11-21
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (TX)

On XX/XX/2021 at XXXX pm an unauthorized transaction of {$1200.00} was made through my CashApp account, leaving my account {$0.00}. This was my entire VA Disability Benefits check. I immediately reported this to CashApp through their chatbot customer service in the app. I received a response from CashApp customer service on XX/XX/2021 but wasn't aware of the email until XX/XX/2021 because I was still communicating through the chatbot and was informed that an email had been sent to me. After checking my email, I realized that the questions were the same that I had already answered in the chatbot but I answered them again anyway. From that day XX/XX/2021 up until XX/XX/2021 I've received the very same email from CashApp with the same questions just from a different representative. I have been given the run around and CashApp hasn't taken any action what so ever to investigate my case or recover my money. I feel completely disrespected and ripped off by this financial institution and totally ignored as a consumer that trusted them with handling my money. They should definitely be held accountable for consumers money and replace those funds after looking into the unauthorized transaction. They didn't even look into it. This transaction could have been reversed or stopped. They are very aware of where they sent the funds to. This shouldn't have ever gotten this far. I have been evicted from my apartment and now am facing homelessness. I am a single XXXX veteran with no family or friends that I can depend on.
Consumer complaint received 2021-11-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (AL)

On XX/XX/XXXX Cashapp allowed fraudulent and unauthorized transactions of more than XXXX $ to be deducted from my account at XXXX XXXX and XXXX XXXX XXXX K respectively. Again on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX the same XXXX merchants successfully frauded me a settled total of XXXX $ through my cash app card. I reached out to XXXX XXXX Fraud Investigations officer XXXX XXXX who after checking confirmed to me that my card has been used at XXXX different XXXX locations since XXXX. The XXXX $ and XXXX $ transactions on XX/XX/XXXX and XX/XX/XXXX was looking like test transactions to make sure the counterfeit card was going through. 
I have take the information and files a police report at XXXX ( case : ID Theft Report XXXX ) for the counterfeit credit card fraud, after being advised by XXXX herself. I have also followed and reported the same to Cash App XXXX XXXX XXXX Bank but none has come out to show me that they are really out to help me address my issues and get my refunds back.
Consumer complaint received 2023-06-10
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. (CT)

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. 
Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXXXXXX XXXX # XXXX, Account name : XXXXXXXX XXXX # XXXX, Account name : XXXX XXXX  # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
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.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.
Consumer complaint received 2023-05-01
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. (VA)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

15 U.S. Code 1666b - Timing of payments ( 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 1637 ( b ) Statement required with each billing cycle is mailed or delivered to the consumer not later than 21 days before the payment due date. 

The items below should all be updated to paid as agreed on my consumer report.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

My account with Equifax was never late! I have had exceptional payment history with XXXX  XXXX 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. 


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. 


Equifax Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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! 


Delete the late payments from my consumer reports
Consumer complaint received 2021-11-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (AZ)

Someone broke into my XXXX XXXX XXXX Square XXXX inc. ) account using caller ID spoofing to pose as square cash security notifications. 

A transaction to XXXX was placed for {$410.00} through my square cash card on XX/XX/XXXX. I disabled my card, reported it stolen, and contacted both XXXX and cash support. XXXX couldn't help me because I didn't have an account number for them to identify the transaction through. 

This first transaction stayed in " pending '' for a week. 

The next morning, hours after I disabled my square account card and reported it stolen in their app, another transaction for {$410.00} went through to XXXX, immediately bypassing the " pending '' stage. Placing my account balance at- {$410.00}. 

Some time around XX/XX/XXXX, the first transaction was returned to me, alongside funds from another smaller transaction I didn't make a dispute for. Square XXXX support took this action without requesting any information from me. 

But now, square is refusing to do anything about the second transaction. Despite me providing all the information they ask for ( including the reports I filled with the FBI and FTC ), they refuse to acknowledge that I have provided any information at all and continue to state that they will close my case if I don't provide " the requested information ''. They refuse to answer the question of " what did I not send? '' But what's truly suspicious is the fact that square cash isn't even acknowledging that the first transaction occurred, and was then returned to me. I would think the refund of half the stolen money would imply the refund of all the stolen money, so I think they are attempting to lie about what has occurred. 

They erased all record of it from my account transaction log. The refund has been erased, too. I have chat logs of customer service agents directly referencing this transaction ( date and time ) that has disappeared from my account record.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Please assist me in regards to some negative items that are showing on my report, i already provided the 3 documents the last time you asked me to provide together with the dispute letters and the specific accounts that I wanted to be removed from my report.