davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (MA)

I have been trying to process a charge back for a fraudulent {$730.00} charge on my Cash App debit card. Cash App refuses to help in anyway and has repeatedly sent the exact same email instructing me to contact the merchant and claiming that they can not process a charge back outside 60 days. By the time I contacted Cash App, it had been 70 days. I can not afford to lose {$700.00}. I recently lost my job and this seems incredibly negligent, especially in light of some of their other predatory practices.
Consumer complaint received 2020-05-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Block, Inc. (CA)

My credit card purchase receipt from a vendor ( From : " XXXX XXXX XXXX via Square '' XXXX Date : XXXX XXXX, 2020 at XXXX CDT ) that uses Square was automatically sent by Square to my stepdaughter. My stepdaughter when questioning receipt of a transaction she never made spoke to me. I recognized the transaction as one I had made approximately - 2 hours earlier. My credit card acct. is through a credit union which she has no association with. The credit union has verified her non-association and opened an investigation. The receipt was sent to her email address which I dont even have, she lives out of state and her last name is not the same as mine. This straddles the line between credit card fraud, identity theft and a little illegal data mining thrown in. I have asked Square to explain this or send me a contact email or phone number so I can discuss this with them but have received absolutely no response from them.
Consumer complaint received 2020-05-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: Block, Inc. (CA)

Square placed a 120 day partial hold on a payment I received for my legal services as an attorney. I called and they said there are four factors which an account may be flagged. None applied to me : I have never had a transaction disputed, im not a new account, I do not have sporadic transactions and am do not provide a high risk service. I am a law firm. The customer service department said theres no exception to the rule and I must wait 120 days. I asked if they pay interest for these 120 days for the time my funds are not available and they do not. Im out of luck essentially.
Consumer complaint received 2023-11-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc. (TX)

This is regarding my cashapp account. Back on XXXX of XXXX I opened my cash app account under my name with my address and my bank account information. Up until a few months ago everything was working just fine. XX/XX/XXXX, I reported suspicious activity on my card to cashapp. I requested and received a new card. When I received my card, the wrong name was printed on it. I immediately contacted cash app customer service, they told me that no name change can happen except by the legal owner of the account. My name was on my first card. The name printed on my new debit is my mother 's name. ( My mother passed away in XXXX. ) Cashapp customer service suggested I order yet another card. I did, it also has my mother 's name on it. My mother NEVER had a cashapp acct. She was bed ridden beginning XX/XX/XXXX until her passing. Today, XX/XX/XXXX I called cashapp, to verify my identity they ask for my name, phone, and zip code. I provided the information. They disconnected my call stating I provided the wrong information. I provided The zip code they mailed my new cards to. I Provided the name on the account, and the phone number associated with the account. I called back. They disconnected the call AGAIN! The information listed on my cashapp account is my name, Has always been my name, It has not changed. I went thru my account statements back to XXXX, my name is listed on every statement. Furthermore, cashapp provides small cash advances. I have used this service several times. Yesterday, I requested a small advance. 
Pmnt pending to confirm ID verification. They have never asked this in the past. I provided my Texas DL and my photo. My ID also has the same address as my account. No one at cashapp will help me!!
Consumer complaint received 2020-05-21
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Block, Inc. (IL)

I Had my work checked set up to be deposited into my cash app and its say it has been deposited but its not becoming available when I tried to contract through XXXX they blocked all comments from being posted and when I called the customer service they said they have no representatives and I would just have to wait for an email I never received my check was {$860.00} from XXXX and its has just been taken away from me by Cash app this happened on Wednesday, XXXX, XXXX, 2020 and I still havent even been reached out too
Consumer complaint received 2020-05-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (NV)

On XX/XX/2020, I unknowingly sent money through cash app to a scam artist for goods that were not receive. After that I try to get in contact with said person, to get a refund for my money for the goods that were not received. I find that the person blocked me on social media so I would not be able to contact her. Shortly after I contacted cash app to see what could be done about the situation as far as a refund. They informed me that they will not be able to take responsibility for any transfers of money through cash app and that I should contact my bank. After that email transaction with cash app I contacted my bank to file a claim. They were able to assist me so far up until XX/XX/XXXX of 2020. I have contacted my bank today, XX/XX/2020 and they reversed the credit transaction from the claim money. They informed me that cash app will not take responsibility for the transaction and refund me my money. Cash app has done this multiple of times where I contact support and verbatim will say they do not have any more information for me. All I want is my money back from a scam artist praying on me. The original transaction happened in XXXX and I should not still be dealing with this in XXXX. Cash app Has closed my account due to the dispute and will not allow me to add my debit card information anymore. And when I asked as to why my account is closed they never give me any information. I no longer use cash app for anything and I would love to receive my {$85.00} back.
Consumer complaint received 2022-09-21
Product: Credit card or prepaid 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: JPMORGAN CHASE & CO. (FL)

I pay my bills and never had a problem with Chase until now. 

I am enclosing correspondence with Chase, and you can see, the credit card division has done everything to try and skirt the issue of non-authorized/fraudulent charges on my account. They refuse to make any effort to validate by concerns and claims. 

XXXX. XXXX XXXX ( I live by XXXX XXXX ) 2. XXXX XXXX, ( I have XXXX and never did any transactions with XXXX. ) XXXX. XXXX XXXX XXXX ( I live in XXXX XXXX XXXX XXXX XXXX XXXX?? XXXX XXXX is by XXXX. ) XXXX. XXXX XXXX ( I use XXXX and XXXX XXXX? ) I simply asked for verification and copies of these charges as it is obvious someone got ahold of my credit card information and fraudulently used my account. Chase would have no financial exposure as the utility companies and service providers would reverse the payments and recharge the consumer who got credit for payments they did not make. Why is this an issue? 

I disputed these charges numerous times and all I got were boiler plate responses from your fraud department. 

My attorney sent a letter to your fraud department and has not even gotten the courtesy of a response. I received another form letter ignoring and circumventing my legal representation. 

Chase called me today and said I would have to call all the companies that charged on my card. I called XXXX XXXX, they said I would have to dispute with the credit card company, I called XXXX XXXX XXXX and they said they will not do anything I have to file a police report, I called XXXX XXXX and their automated machine hung up on me twice. The other charges have no contact information and no way to ID merchants. 

I do not where else to turn, vendors want to help but they can not do anything without transaction numbers which you get on slips from the bank which Chase is refusing to get for me.
Consumer complaint received 2023-11-07
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. (IL)

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 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: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY (PA)

At the end of XXXX, I entered into a financing agreement with XXXX XXXX for the purchase and installation of new windows and a sliding back door. The financing was completed with Wells Fargo and would be run as three separate 18 Month 0 % interest if paid in full promotions. One at the time of ordering XX/XX/XXXX, one at the time of the products being made XX/XX/XXXX, and one at the time of installation XX/XX/XXXX. I recently noticed on the bill that there is no breakdown of how the monthly payments, {$490.00} are broken down over the installments. I called Wells Fargo to inquire at how the payments are broken down and was told there is a minimum payment calculation on all 3 installments which make the {$490.00}. I am currently paying {$1000.00} a month and I asked how the principle was being impacted by the overpayment. I was told that anything over the minimum payment would go to the first expiring installment. I asked how the minimum payment is calculated/allocated to each promotion as I want to ensure the installments will be paid in full prior to the promotional financing expiring to avoid the interest charges. I was told by the representative that they can not explain that, but the payments are applied at the companys discretion. I asked if the over payment can be allocated to ensure the promotions are paid in full prior to the expiration dates and was told that payments can not be allocated. I followed up with another call the following day to ask again how the payments were calculated to ensure they were paid in full prior to the expiration dates and was told that no one would be able to provide that information. At this point I requested an escalation as I am concerned that my payments will not be applied properly since there is no clarity on the process and my promotions will not be paid off in time. After speaking with a manager and explaining that I would be filing a CFPB complaint since I can not get a simple answer to my question, I was told an escalation would be submitted and I would get my answer within 10 business day. After this period I received a letter with the terms and conditions and a letter explaining how the payment is calculated but still did not answer how the minimum payments are allocated to ensure the promotions are paid off prior to the final due date.
Consumer complaint received 2023-11-08
Product: Credit reporting 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: Experian Information Solutions Inc. (NC)

I wanted to cancel my membership but was unable to find the option online and had to call a phone number. I had to be charged to even be allowed to cancel, to which the response was the cancellation is non-refundable. It is not fair to not have easy access online to cancel, to have a number that I must call despite me working lots of hours, and then being told the charge is non-refundable.
Consumer complaint received 2022-09-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: MoneyLion Inc. (VA)

The company, MoneyLion is trying to say that I didn't pay an instacash repayment from XXXX WHEN MY MONEY WAS STOLEN. 

And took money from me unrightfully today and is trying to take more to " pay back '' something on my account I was never notified about, couldn't see on the app or website as an overdue balance until today, and regardless it is false. You can see clearly I paid back my instacash in XXXX for XXXX and XXXX and also paid everything in XXXX, XXXX, XXXX and in the current month And the app does not let you continue to use XXXX  until you pay back ALL you advances. 

This is predatory when I was a victim of theft and simply wanted my money back.
Consumer complaint received 2022-09-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Designed Receivable Solutions, Inc. (CA)

I have run y credit Report 2 month ago and I found out that a collection agency had report a debt from XXXX XXXX XXXX of the amount of {$37.00} which is complete wrong when I was at the hospital 2 and 1/2 years ago I was admitted as an emergency due to a medical condition while I was there the hospital new I did not have any Insurance and I did not have any Income Which they told me the were going to qualified me for emergency medical while I was there and the bill will be taken care. 
Then one year later I did get a phone call and letters of collection which sorry I did not recall at this time the name and there were told the same thing as above. and they had corrected and they even found my letter f hardship. 
Now I found out that a complete new agency took over the XXXX XXXX collection ( it seems ) that they are collecting from people debts which I was never notified I never give them any authorization to go thru my private information and as I see in there marketing information they get the debt and try to collect from clients as a new debt I will like this collection to be taken immediately out of my credit
Consumer complaint received 2024-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (UT)

I am being incorrectly charged a monthly membership fee by Experian, despite having a free membership account. Ive been trying to reach customer service to resolve this issue, but the system is not allowing me to speak with a representative. I would appreciate assistance in addressing this matter with Experian.
Consumer complaint received 2022-09-21
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. (CA)

On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-09-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/22 at XXXX XXXX, I went to deposit {$2600.00} ( all {$100.00} bills ) in cash at the Chase ATM at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX location, ATM term ID - XXXX. The ATM spit back a {$100.00} bill saying it cant read it. I got distracted by that and walked away - so I didnt click any other buttons to deposit it fully. Called Chase the next day, admitted my stupidity, and they said they see an attempted deposit on their end and credited the money back to me. Now, a month later, theyre trying to say the ATM didnt have an extra {$2500.00} in it and theyre taking the money back. I asked them to review the cameras to see I was there depositing the money, with my mom right next to me, because theyre saying the ATM didnt spit the money back out. They said the person after me couldnt have gotten it. They dont review video as part of their investigation??? And I cant review the video without a subpoena from an attorney. So now {$2500.00} has gone missing, the ATM didnt have it, and the person after me couldnt have gotten it.
Consumer complaint received 2023-11-08
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: Experian Information Solutions Inc. (MO)

I am writing to formally dispute the accuracy of information on my credit report, specifically regarding the reporting of late open accounts, late closed and charge off account. I have carefully reviewed my credit report from your agency and have identified discrepancies that I believe require immediate attention and correction or removal. I have outlined the details of the disputed information along with an explanation of the inaccuracies : the late payment reported on the above-mentioned account is incorrect. I have diligently made all payments on time as per the terms and conditions of the agreement with the creditor. I have enclosed copies of my bank statements, payment receipts, and any other supporting documentation to substantiate my claim. I kindly request that you investigate this matter promptly and correct the inaccuracies on my credit report as required by the Fair Credit Reporting Act. Please provide me with a written confirmation of the correction once the investigation is complete. I understand that, according to the Fair Credit Reporting Act, you are required to investigate this dispute within 30 days and inform me of the results. I expect your prompt attention to this matter and a swift resolution for a correction or a deletion : Kindly correct or remove these accounts : XXXX. XXXXXXXX XXXX XXXXXXXX XXXX : {$470.00} - Please checked the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was paid as Agreed and I never missed a payment. Please update it immediately. 

XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} - I see things may be inaccurate. Start looking at the account name, opening date, and account status. I believe this information may be inaccurate. I need this deleted now. 

XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} - Investigate the way this account is reporting the date of last activity, account name, and opening date. I believe this information may be inaccurate. I need this removed now. 

XXXX. XXXX XXXX XXXX XXXX : {$0.00} - The limit to this account was a fraction of the amount due it was stating. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER.
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: TRANSUNION INTERMEDIATE HOLDINGS, 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. 

Account # 's 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, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX have violated my rights. 

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

15 USC 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 2022-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (IL)

I have 2 inquires on my personal XXXX and XXXX credit report dated : XX/XX/2022 and XXXX XXXX XXXX Both from SYNCB/SAMS CLUB. 

I have never applied for a personal card with SYNCB/SAMS CLUB. 
I have made several attempts to rectify this with SYNCHRONY BANK. 

They have confirmed they don't have the application request from these dates but insisted i have to resolve my issue using this method.
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review