davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Closed case XXXX by Capital One is wrong on there investigation. 

- Capital One States : My s.s. and birth date match records. 
I sent in how my PC was corrupted and all my personal information was stolen - Capital One States : My name bought a ticket on XXXX XXXX under the credit card I was not on a flight and XXXX XXXX proved they see no purchase back to XXXX - Capital One States : States the card was sent to XXXX XXXX XXXX XXXX XXXXXXXX XXXX 
I sent in a copy of ownership of XXXX XXXX XXXX XXXX XXXX XXXX pulled from town hall I sent in my morgtage and tax statement from my address in XXXX located in FL I sent my w2 from XXXX and XXXX. I never lived or been to XXXX XXXX
Consumer complaint received 2022-09-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc. (NC)

Pro-collect Inc. Account number XXXX Date Opened : XXXX XXXX I Have attempted to get this debt verified through the collection agency mention above but yet they have failed to verify any debt. I have attempted to validated this debt via Mail ( Certified Mail ), Through XXXX and via telephone but yet the representatives tend to harass me daily since I called asking them to validate the debt. In the past month I have received more than 15 calls from Pro-Collect. While on the phone I asked to get the information validated and even sent to my current address but they failed to verify the debt from the original time ( XXXX days ) after it was placed on my credit report, In which, I called and sent a letter ( certified mail ) asking them to remove the collection since they could not validate the debt themselves but yet the collection remains on my report. I have now submitted an affidavit to idenitytheft.gov, because XXXX ) In general. Except as provided in paragraph ( a ) ( XXXX ) of this section, a debt collector must provide a consumer with the validation information required by paragraph ( c ) of this section either : Official interpretation of 34 ( a ) ( XXXX ) In general. 
Show ( i ) By sending the consumer a validation notice in the manner required by 1006.42 : ( A ) In the initial communication, as defined in paragraph ( b ) ( XXXX ) of this section; or ( B ) Within five days of that initial communication; or ( ii ) By providing the validation information orally in the initial communication. 


but yet they have failed to validate any information resulting in the removal of the collection on credit and which the collection agency failed to do so as well.
Consumer complaint received 2020-06-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (OR)

On Wednesday the XXXX of XXXX I received a cash transfer for gas from a friends CashApp Cash Card to my Card. The transaction cleared and became available funds on my card instantly. 

I tried the next day Thursday XX/XX/2020 to " Cash Out '' those funds to my XXXX XXXXXXXX XXXX personal checking account. And have attempted every day following. 

Now for more than 7 days I have been trying to get this small {$30.00} off this Cash.App Cashcard. My card is for some unknown reason disabled and every time I enable it, it disables itself immediately. I try to cash out the balance to my bank and it says I have no money, I have sent an email every single day and got XXXX canned response stating theyre having connection issues. I have sent a message every day since with no response what so ever. I have done a search of the internet and find there are thousands of complaints with the same problem beginning at the same time as me. 

There terms of service state that they are not a bank and therefore have no obligation to honor any financial policy that is expected from a financial institution. However, they are holding my money, as well as everyone else 's money in a regulated US bank account at XXXX XXXX XXXX and using XXXXXXXX XXXX as their pass through. Both of those transactions are definitely regulated by both Federal and State laws. 

According to their status page today XX/XX/2020 every thing is working and 'GOOD TO GO ' yet again I can not make the withdrawal or transfer, no ATM access, not able to use the card to make a purchase. 

They hide with no public phone number and automated response emails. You can not contact these people other than that they are owned by XXXX XXXX
Consumer complaint received 2022-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I am writing to delete the following information in my file. The items are listed in my report. 

I am also a victim of Identity theft and did not make any of these charges. I ask that the items be deleted and corrected on my Credit Reports. 

I reported these thefts of my identity to the Federal Trade Commission and also I enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. 

Please delete and correct all items as soon as possible.
Consumer complaint received 2022-09-21
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with fees or penalties
Company: WELLS FARGO & COMPANY (CA)

I sent the following message to Wells Fargo CEO XXXX on XXXX. 
They replied with a boilerplate response that did not address the issue. 
I've already purchased the CDs at XXXX so I'm not seeking relief. 
I am asking that they change their practices and give customers a fair deal. 
++++++++++++++++++++++++++++++++++++++++++++++++ After all of the hearings, bad publicity and fines, I thought your company pledged to treat customers fairly and stop taking advantage of them. 

Your bank is offering 0.05 % interest on a 9 month Special Fixed Rate CD at Wellsfargo.com. 
Nine month Wells Fargo CDs with a coupon of 3.15 % are available at both XXXX XXXX XXXX today. 

Why not offer the fair market rate to banking customers like me?
Consumer complaint received 2024-11-19
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. (CA)

I discovered that some of the information was erroneous. The EX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX  XXXX Balance : {$29000.00} XXXX XXXX  XXXX Balance : {$5200.00}
Consumer complaint received 2020-05-30
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Block, Inc. (PA)

Somebody created a " Cash App '' account in my name using my credit card information. On XX/XX/XXXX, this criminal sent themselves {$2200.00} from my bank account. I have contacted XXXX XXXX, who is doing an investigation. I have attempted to contact Cash App, which does not have a phone number. In order to email them, you have to have an account. I had to create an account to contact them. I asked them to do an investigation and gave them all my information. After waiting 3 days, they sent me an email today stating some irrelevant information about how to dispute if I didn't receive goods or services.
Consumer complaint received 2023-11-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (WA)

XX/XX/23 : My existing debit card number was fraudulently added to a XXXX XXXX XXXX XXXX per an email received at XXXX XXXX XXXX XXXX XXXX. I was unaware of at the time since no text alerts were delivered. Immediately a fraudulent request to replace my debit card was made per an email received at XXXX XXXX XXXX XXXX XXXX. I was unaware at the time since no text alerts were delivered. I never lost my card. 

A fraudulent {$1000.00} ATM Withdrawal was made at XXXX XXXX XXXX at Chase ATM XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX. I was unaware of at the time since no text alerts were delivered. A fraudulent {$3000.00} ATM Withdrawal was made at XXXX XXXX XXXX at Chase ATM located at XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX. I was unaware of at the time since no text alerts were delivered. They ultimately made the fraudulent transactions using the new card # despite my not receiving the card until a week later. 

XX/XX/23 XXXX  : I personally became aware of a problem since locked out of my online access when attempting a routine account check and had unexpectedly received a new debit card. Made multiple phone calls, but was unable to connect with the Chase Fraud Dept since it was after XXXX XXXX  XXXX. I was going to call back first thing in the morning and I was able to change my password. I had been on a silent hold for over an hour. 

XX/XX/23 : At XXXX XXXX XXXX while I was still sleeping ( XXXX XXXXXXXX XXXX XXXX, presumably the same fraudulent party hit again by again changing my password. Chase approved a fraudulent business account which then got linked to my username and accounts. Subsequent fraudulent actions were made draining two personal checking accounts. {$2500.00} on a different account and the account originally hit for {$1300.00}. 

XX/XX/23 : Upon waking up and discovered what had happened along with reading new emails, I then contacted Chases Fraud Dept to report the activity, file a claim, and attempted to take security measures. At XXXX XXXX XXXX, received a new email confirming while on the phone to stop sending text messages to an unauthorized cell # which was fraudulently added to my contact phone numbers without any alert. I ended up changing my User ID and Password this time and things were quiet for the time being. 

There would be subsequent unsuccessful fraudulent attempts to compromise my account which led me to terminating online access and 3 different new debit cards. They still tried hacking in leading me to change my User ID and password on two different occasions to no avail. Chase has been extremely difficult to work with despite over a dozen phone calls made plus vague denial letters.
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong 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. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2022-09-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ENOVA INTERNATIONAL, INC. (GA)

To start off, I applied for a personal loan of {$3500.00} on XX/XX/2022. This was an emergency loan because financials were tight for the time being and I needed some funds to cover me for a while. I was well aware of APR % and I was comfortable with it. I got prequalified and signed the agreement. They requested the necessary documents, which I have sent the very same day. Then I received an email stating to email my employer information ( name, address, number and occupation ). I already that information in my online account but, I emailed it anyway. I didnt email anything that would jeopardize my own identity and security. 

The next day, precisely in the morning, on XX/XX/2022, I then receive an email asking for recent bank statements. I sent those documents. I emailed customer service because for some reason, I am not given the option to speak to someone directly. Hours pass by and I received no responses. I emailed them asking if there are any other documents that are needed to further the loan processing further. No response. Instead Im getting multiple emails from two different addresses asking for my employer information again and again. Which is kind of weird and skeptical because what loan lending company sends from two different email addresses. They also asked me to email my bank statements when theyre already uploaded on my online account. For identity and security, it is clearly NOT safe to email bank statements when youre receiving emails from two different addresses, supposedly associated with the same company. So I didnt send anything else after that. Im currently waiting for responses or ANYTHING at this point.

However, prior to these repetitive emails, I also received an email saying my documents were received and will be sent to the loan processing team. Some time passes by and no response from any of the emails I sent to customer service. I sent one final email stating I would like my application declined because I do not want to do business this company ( Net Credit ). 

There is no customer service and I have doubts of the security and professionalism. Also reading from past reviews from previous customers, it seems they also have had the same issue. I would be very displeased for my credit to be ran and dropped more than XXXX points after not getting any responses after my application deadline all because of this non-responsive and unreliable company. 

I have done loans with other lenders and it was always a smooth process and same day funding. And also always someone to talk to. Responses were QUICK!
Consumer complaint received 2024-11-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

several hard inquiries on my credit report that were made without my authorization or permissible purpose, as outlined under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b. The following hard inquiries were made, and I neither applied for credit nor authorized these inquiries : XXXX. XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX ( XXXX ) Date : XX/XX/XXXX XXXX. XXXX ( XXXX  ) Date : XX/XX/XXXX I have no open credit accounts associated with these institutions and did not receive any benefit, nor did I apply for or authorize a hard inquiry with these companies. Under the FCRA, only inquiries made with my express authorization and for permissible purposes should appear on my credit report.
Consumer complaint received 2020-05-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc. (CA)

On XX/XX/2020 a customer made a purchase in the amount of {$7400.00} for no explained reason Square merchant services has not transferred these funds into my business bank account.At the same time Square has not provided any credible reason as to why this money transfer has not transpired.Square requested documentation which was submitted on XXXX.Even after these documents were submitted Square has failed to move forward with the transfer and has also failed to communicate with me as to the reasoning for the delay of said funds transfer. I have made multiple attempts to contact Square to get an understanding of what's going on with the funds transfer and the closure of the account. I provide Square with access and Log-in information to my account to verify my account through their system.I believe this to be unusual practices with no justifiable reason for the holding of funds.
Consumer complaint received 2020-05-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (WI)

I am using cash app and it seems the whole network is shut down. It will not allow me to use my card or transfer funds. I tried contacting customer support today ( XX/XX/2020 ) and the entire system is crashed, customer support included. I have {$1600.00} on the account that I can not use. Their site says suspicious activity was detected but they never contacted me about it, they just closed down the site and blocked me from using my money. They need to contact customers and let us know what is going on and when the issue will be resolved.
Consumer complaint received 2023-11-07
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. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2020-05-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (MI)

I have a cash app account I just recieved my direct deposit on Tuesday and I was trying to send someone some money and its telling me that I dont have enough funds on my account but my account balance shows I have money there and I tried several times to see if it was going to work and it doesn't I even had someone send me XXXX and my amount went up XXXX but it's still saying I dont have the funds to send money.
Consumer complaint received 2020-05-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (TX)

I sent money to my wallet in CashApp and forwarded to an individual claiming to own a property for rent. When I arrived at the property, he said there was complications with the rental and said he would be refunding me my money. I requested a refund from the individual through the mobile CashApp but he declined it. I can not continue to request it through the app because now it is locked in the declined status. I would like to know what type of background information CashApp has on these scammers. I know if they have a XXXX  and banking information. I tried filing a dispute, but CashApp has no where on their website/app to do this. There is also no live assistance in this area. I tried to file a dispute with my bank to try to get the funds back, but because I put them in my own CashApp wallet to send to this loser, I doubt they will be able to do anything about it. Ruined my week, my vacation, my financial situation. Since the transaction was through CashApp they would have additional information for the recipient and I would like them to at least assist in rectifying it, or provide some sort of additional security measures for those that access their application. I will definitely never be using it again.
Consumer complaint received 2022-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2020-05-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc. (PA)

On XX/XX/XXXX, the XXXX account XXXX texted me saying how she's a representative for Cashapp and if I send her {$100.00}, she would send {$1000.00} back. Long story short, she kept my money and refuse to give anything back. I cashapp account she had ne send the money to was XXXX XXXX. I really just want my money back and for her to be caught for those lies. Anything you guys can do to help would be great. I also have the screenshots of the conversation, if that will help.Thanks.
Consumer complaint received 2020-05-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc. (MN)

XX/XX/20- XXXX XXXX  {$3000.00} I had direct deposits on Monday XX/XX/XXXX of about {$4000.00} for my unemployment in MN, {$400.00} and tried to withdraw more money and received a messwger " you reached {$1000.00} daily limit '', the next day Tuesday XXXX XXXX i made a purchase for {$350.00} but was still unable to withdraw funds. On Wed XX/XX/XXXX i still could n't take money out atm so I XXXX Cash Ap   support and found website ** https : //cashappcustomerservice.com/ ** And on the website was a # XXXX and when I called they told me they needed to verify my Cash Ap account to lift withdraw limits. I was then told to open support on Cash Ap then download an ap called " Quick Support '' from XXXX XXXX then " add on-XXXX '' both aps logos containing a white circle with blue horizontal arrows. After i downloaded the aps they told me to turn off security lock from settings ( part of verification process ) they then had remote access over my Cash Ap, i watched on my phone as they toggled settings. They linked a XXXX  XXXX XXXX account then assured it was Cash Aps bank and part of verification process. He told me I'd be getting a new cash ap card and daily limits would be removed. They told me to hold on then i eventually called that number back XXXX and it was a Text Now #. I tried to log back into my Cash Ap with phone number and was having to type name as if a new account. I used my email and logged in, my phone number XXXX | XXXX | XXXX were all deleted from my account and there was an odd mixture of # 's and letters for email which i didnt have time to write because i was hurrying to reconnect my information before i lost account. I went to email and saw that all {$3000.00} had been deposited into a XXXX   XXXX XXXX account and that a card ending with XXXX had been disconnected ( the thief 's card most likely ) i contacted Cash App immediately via support and XXXX, ( case # : XXXX ) I went to the XXXX police station on XXXX XXXX XXXX and I called The FBI - XXXX office. My money was stolen, ( {$3000.00} ) please have it returned to $ XXXX, i have my email and phone reconnected and enabled security lock on my account again so I'm not worried about another theft. Please resolve this issue as soon as possible, this was all the money I have. Thank you - XXXX " XXXX XXXX '' XXXX