davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (IL)

{$7200.00} WAS STOLEN FROM MY CASHAPP ACCOUNT ON XX/XX/20. This is money that was stored on my actual Cashapp wallet not from my bank account. I WOKE UP AT XXXX TO A TEXT FROM THIS COMPANY TIME STAMPED AT XXXX THAT MY CASH SECURITY LOCK WAS TURNED OFF. I IMMEDIATELY LOGGED INTO THE APP AND DISCOVERED THAT {$7200.00} WAS STOLEN FROM ME IN THE FORM OF 6 SEPARATE TRANSACTIONS 5 MINUTES AFTER HACKING INTO MY ACCOUNT (  {$2900.00} XXXX, {$2500.00} XXXX, {$500.00} XXXX, {$550.00} XXXX, {$500.00} XXXX, {$250.00} XXXX ). I IMMEDIATELY FILED A COMPLAINT THRU THE APP FOR EACH TRANSACTION. SEVERAL HOURS LATER THAT EMAILED ME BACK ASKING FOR ADDITIONAL INFO WHICH I IMMEDIATELY PROVIDED. THE FOLLOWING BUSINESS DAY, I RECEIVED ANOTHER EMAIL ASKING FOR ADDITIONAL INFO IN WHICH I PROVIDED. I HAVE BEEN TRYING TO REACH OUT TO THIS COMPANY DAY IN AND DAY OUT REGASRDING THE DISPUT PROCESS AND THE STATUS. THE INL RESPONSE I APPEAR TO KEEP GETTING FROM THEM IS WHAT APPEARS TO BE A SYSTEM GENERATED EMAIL CONSTANTLY ASKED ME FOR THE SAME ADDITIONAL INFO OVER AND OVER AGAIN ( I WILL ATTACH A COPY OF THE EMAILS. ) THEY DO NOT HAVE A CONTACT # TO TALK TO AN ACTUAL PERSON AND IT SEEMS AS IF THERE IS NO LIVE PERSON HANDLING EMAILS AS WELL. I TRUSTED THIS COMPANY WITH HANDLING OF MY MONEY AND I AM EXTREMELY UPSET THAT NO ONE HAS REACHED BACK OUT TO ME REGARDING THESE FRAUDULENT CHARGES. HOW CAN YOU AS A COMPANY ALLOW SOMEONE TO MAKE SEVERAL TRANSACTIONS BACK TO BACK TO BACK IMMEDIATELY AFTER HACKING INTO SOMEONES ACCOUNT AND TURNING OFF THERE SECURITY SETTINGS WITHOUT SUSPECTING FRAUD. IN THE EMAIL I RECEIVED BACK FROM THE COMPANY, THEY ASKED ME TO REQUEST A REFUND FROM THE PERSON WHOM IT WAS SENT TO, WHICH I DID AS REQUESTED WITH NO PROGRESS. How do you expect for a thief to refund something that was intentionally stolen. I am a single parent of 4 and I am extremely upset. I do not no this person that the money was sent to, I did not send my money to this person. All of my security setting were turned on, I have an XXXX w/ face  recognition therefore I dont no how your company allowed someone to hack into my account from a device thats not even mines and disable my security setting to even be able to steal my money. I just dont understand it, Im irritated, frustrated, I feel violated and I feel like I was robbed
Consumer complaint received 2018-04-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC. (VT)

On XX/XX/XXXX Citizens Bank credited {$1500.00} to my checking account from my XXXX XXXX credit account. I did not authorize this credit and had not filed a complaint with Citizens Bank which would have triggered this type of transaction. I called XXXX XXXX to see why this had happened, they told me that the transaction was initiated by Citizens Banks, so I called Citizens Bank where I was told that I had initiated the complaint which triggered the credit at a local branch in XXXX, VT. I went to the local branch the next Monday to confirm that the complaint had been made from them, since I did not remember making this complaint. The bank tellers at this location let me know that they did not file a complaint on behalf of my account and they could not have done so with out my permission. I called Citizens Bank customer service again where I complained about a transaction being made to my account without my authorizations. I received a call from someone named XXXX from the the office of the chairman, XXXX, he told me that he would look into this, but told me that the complaint that I had submitted was actually done by telephone and not through the branch. I asked him to locate the call and to see if I had in fact made a complaint. XXXX told me he would get back to me by XX/XX/XXXX. XX/XX/XXXX I emailed him to ask why he hadn't followed up. He still did not call me back. On XX/XX/XXXX I received a document from Citizens Bank in the mail with the title " Written Authorization of Unauthorized Debit. '' The intent of the letter which, I have attached, was actually to get me to sign a document saying that I had filed a complaint which triggered Citizens Bank to credit my account {$1500.00} on XX/XX/XXXX. I emailed XXXX immediately to ask what this was about. XXXX called me back to let me know that the case had been closed and that it was determined I had filed a complaint. I asked if he found the phone conversation where I did make the complaint. He informed me that he didn't and that there was no record of my call. I asked him to go and find the call and find evidence that I had in fact made a complaint. He told me he would get back to me on Friday XX/XX/XXXX. XXXX still has yet to get back to me despite multiple efforts on my part to get in touch with him I am complaining because Citizens Bank filed a complaint on my behalf, authorized the credit of {$1500.00} into my account which caused late fee and interest fees from XXXX XXXX, all of this without my permission. They later tried to get me to retroactively sign a complaint form to cover for their own mistake, and now are not communicating with me at all to fix the issue.
Consumer complaint received 2023-10-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (MA)

I made multiple payments to Ed financial that came out of my bank account and my loan balances are not updated or are partially updated. 
Most recently I made a payment on Friday XX/XX/23 for {$250.00} divided between 5 loans. The amount came out of my bank account on XX/XX/23. The updated balance only removed {$100.00} and when I looked at the break down of the payments only two payments of {$25.00} dollars came out of two loans. Interest amount remained the same. So there is XXXX dollars missing. 
XX/XX/23 I had {$25.00} payment removed from my account with no difference to my balance to a loan that is without interest. 
XX/XX/23. I had a {$50.00} payment removed from my account which also did not change my balance or interest and some are from my interest free loans. 
I make weekly payments, most without problems until recently. Due to this my interest amounts are inaccurate and is accruing interest based on a larger owe amount instead of a lower balance. 
I did attempt an email with no response. The online chat with the agent has been unavailable. Calling the toll free number has been a hassle with over XXXX minute wait time. There is an option to have a call back to which I have yet to receive a call back.
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. (FL)

THE ACCOUNTS LISTED IN THIS COMPLAINT ARE FRAUDULENT SOMEONE USED MY IDENTITY MY SOCIAL SECURITY NUMBER AND MY PHOTO ID THEY USED IT TO OPEN AND MAKE FRAUDULENT PURCHASES IN MY NAME I HAVE REPORTED THIS TO LOCAL AND FEDERAL AGENCIES I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian XXXX On XX/XX/2020, I mailed XXXX XXXX and Experian 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 Postal Inspection Service for other possible violations of the law.
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: EQUIFAX, INC. (FL)

THE ACCOUNTS LISTED IN THIS COMPLAINT ARE FRAUDULENT SOMEONE USED MY IDENTITY MY SOCIAL SECURITY NUMBER AND MY PHOTO ID THEY USED IT TO OPEN AND MAKE FRAUDULENT PURCHASES IN MY NAME I HAVE REPORTED THIS TO LOCAL AND FEDERAL AGENCIES I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX CRAS On XX/XX/2020, I mailed Equifax, XXXX 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 Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-11-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hi. 
I sent dispute letters to the credit bureaus because they are reporting inaccurate information that is ruining my credit. 
I want the inquiries that I didn't authorized and negative accounts that shouldn't be on my report remove.
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. (PA)

I was denied credit I checked my report and notice accounts that I believed it was not mine. I emailed & sent a certified letter to XXXX XXXX disputing the validity of XXXX accounts and requested statements. XXXX XXXX ignored my dispute and did not even investigated the dispute, then they could not even verify my address that's when I came to the conclusion these accounts were fraudulent.
Consumer complaint received 2020-09-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (PA)

I used my cash app card to put a deposit down on a cruise because of Covid 19 The cruise was canceled and the refund was issued to the original form of payment. The account was closed out and the debit card was destroyed that was associated with the account. I contacted the company and asked them to forward the money to me in a form of a check.they told me that they couldn't do that but I could open up another account and they could transfer the money over.then after I opened up the account and asked them to transfer the money over they said they couldn't do it because I didn't have the cash tag that they required. I had all other personal information about the account and every time I send them an email I was told that they couldn't help me and I should refer back to the previous email.they kept transferring my email to other customer service representatives who did not help at all. So now I have a refund in the amount of {$100.00} with this company in a refuse to give it to me.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I was denied credit I checked my report and notice accounts that I believed it was not mine. I emailed & sent a certified letter to XXXX XXXX disputing the validity of three accounts and requested statements. XXXX XXXX ignored my dispute and did not even investigated the dispute, then they could not even verify my address that's when I came to the conclusion these accounts were fraudulent.
Consumer complaint received 2020-12-28
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem extending the lease
Company: JPMORGAN CHASE & CO. (NY)

JPMCB XXXX indicated on credit report a derogatory item closing out the lease : Charged off as bad debt|Profit and loss write-off. This was a lease, not a loan. This had a major impact on my credit rating. JPMCB sent an email dated XX/XX/XXXX after accepting my lease payment on XX/XX/XXXX. History of my lease payments indicated not issued with the payments, except in XXXX due to XXXX  XXXX. This did not affect my credit status as must as the derogatory indication. 
Since I was not notified of this and that XXXX XXXX/Leasing did not notify me of issued that caused the bad debt derogatory indicated would affect me and did not extend do to Covid after make attempts to purchase the vehicle also impacted my credit. To this day no remedy offered.
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. (NY)

This is absolutely distressing to know that my rights as a consumer is being violated. I value my credit score a lot and the errors on my credit report has negatively affected both my financial opportunities as well as my mental health. I've been trying to fix this for some time and my requests kept getting disregarded and ignored in correcting these errors and my concerns regarding the inaccuracies on my credit report which has been stressing me out as my new credit applications are being denied because of these.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

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.

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 2020-12-28
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: Experian Information Solutions Inc. (NY)

I have been attempting to fix errors on my credit report since XXXX of 2020. Since XXXX I have sent several letters to the 3 major credit bureaus asking for validation of several accounts. Since starting this journey I have not received ANY letters from the credit bureaus. When looking up the response times it states that the bureaus have 30 days to respond it has been over 75 days and I have yet to receive any notifications. I sent two letters asking for validation of the following accounts on my credit report ( XXXX, XXXX, XXXX, & XXXX ). to this date I have not received a response from XXXX, XXXX or Experian.
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. (IN)

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 XXXX  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.
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. (MA)

I have filed several disputes regarding this account being on my credit report which is hurting my credibility and hurting my ability to obtain credit, XXXX has not only failed to respond but blatantly ignored my complaint which has also disregarded the laws to my consumer rights. 

I asked them to validate the validity of this account being 30 days late XX/XX/2019, also sent them a method of verification once there E-oscar system has kicked back and auto response of update to my complaint which I didn't ask for and update. They are housing misleading persona identifiers on my report as well merging my file with others and compromising my profile. 

This account is bein reported late with XXXX and Transunion but on time with XXXX the creditor has sent proof that I am up to date and not late screen shot of error below XXXX  XXXX Account # : XXXX XXXX
Consumer complaint received 2020-09-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (PA)

On XX/XX/XXXX @ XXXX this person cashapped me {$500.00}, which I was expecting because we were in a group, she gifted me my {$500.00} as expected along with others. Then on XXXX XXXX I received a notice from Cashapp that stated they were refunding the {$500.00} that was gifted to me over 2 months ago because she filed a dispute. Why? When I received this noticed I contacted my bank XX/XX/XXXX after work about XXXX, I left a message with the customer service explaining the situation, it was late and they were closed but she will put a note in and they will return my call tomorrow morning XX/XX/XXXX, by then cashapp had already started deducting my {$500.00} from my bank account. I tried contacting cashapp as the bank had ask me along with unlinking my bank information until I find out what was going on. Cashapp does not have a number to call for customer service but in their terms and conditions they do. I tried calling all of the different numbers but to no avail, no one answers, one automatically hangs up with a beeping sound, and one talks about military loans and things etc., So I found an email option, I emailed cashapp ( XX/XX/XXXX ) and ask them if they can give me some clarity to what was going on and why they took {$500.00} from my banking account? I then received an email from cashapp stating my account is closed. Also stating after reviewing my transfers of funds they stated I was in violation of their terms. I don't understand that also, I did nothing illegal to have my account closed, I also have {$130.00} in there that now I don't have access to or can't get. I'm confused about this whole cashapp situation and would like for my {$500.00} to be returned because I did not steal it! And would also like to have access to my remaining money in my cashapp account. Cashapp did not contact me at all about anything, ( you would think they would if they said it was a dispute, a dispute consist of more than 1 person ). This transaction ( gift as stated in the memo ) took place over 2 months ago and for them to think it is ok to go into someone account and take their money with no communication whatsoever, and then close your account keeping the money that is in there!! I will be waiting to hear from cashapp so I know how to proceed with this situation. Thank you
Consumer complaint received 2020-11-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (TX)

On XX/XX/2020 I paid {$450.00} for my XXXX payment that was due on XX/XX/XXXX. I am trying to pay off my bills as quick as I can because of the uncertainty of the economy, I don't want to not have money to pay my bills. So on XX/XX/XXXX, I went back online and paid another {$750.00} to my credit card for the XXXX payment. Now I get a notice that they are charging me a {$29.00} late fee because the XX/XX/XXXX didn't count for the XXXX payment. Seriously? So by doing good and trying to pay my bills, they are penalizing me {$29.00}. This is fraud and bad business. The agent told me I paid too early. 

Yeah, sorry for paying too early, unlike your other customers who probably just stopped paying their bills.
Consumer complaint received 2020-09-17
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)

A friend asked me to use Cash App to repay me for an item I purchased for him. The amount was XXXX XXXX 

I had a Cash App account but stopped using it because of problems with it. Also, at that time, I had the Cash app on another tablet that was since stolen, and a different debit card. I could not access my old Cash app account, so I opened another. 

The system would not let me access the account, the message was " unable to verify device. '' I tried multiple times over multiple days. After those attempts I used the chat feature for assistance. 

The chat clearly was not a human. The responses were too fast to be written out, and none addressed my problem. Many were boilerplate I followed the instructions, again, and again, multiple times. They asked me to do the same thing, which lead to the same result. 

I asked for a human, and to have a human guide me through what to do. XXXX did identify herself as a human. 

No success. I responded that I was going to get my friend to back the transaction out so he could pay me directly. 

He gave me the Identifier : # XXXX, the date was XXXX XXXX account to pay was # XXXX.
Consumer complaint received 2020-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (OR)

I sent a letter to XXXX, Experian and XXXX on XX/XX/2020 about inaccurate and unverifiable items on my credit report. It has been over 60 days and I have not received a response from anyone. I feel like my dispute letters are being ignored and that it does not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 60 days, these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for a mortgage and this is preventing me from doing so.