davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-15
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (NC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XX/XX/XXXX Subject : Cease and Desist Complaint Dear CFPB, I am writing to formally submit a complaint regarding unlawful debt collection practices by National Credit Systems. Despite my requests for validation of the debt and a cease and desist on further communication, I have continued to receive harassing calls and correspondence. 

Details of the situation are as follows : - My Name : XXXX XXXX - My Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX - My Phone Number : XXXX - Collection Agency : XXXX XXXX XXXX - Agency Address : XXXX XXXX XXXX XXXX, GA XXXX - On XX/XX/XXXX, I was contacted by National Credit Systems regarding an alleged debt. 
- I disputed the validity of this debt and requested validation as per the Fair Debt Collection Practices Act ( FDCPA ). 
- I formally requested a cease and desist of all communication. 
- Despite this request, I have continued to receive phone calls and written communication regarding this alleged debt. 

This ongoing communication is causing me significant stress and constitutes a violation of my rights under the FDCPA. I would like to request your assistance in resolving this matter and taking appropriate action against National Credit Systems for their continued harassment.

I appreciate your attention to this issue and look forward to your response. 

Sincerely, XXXX
Consumer complaint received 2022-06-23
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Block, Inc. (NC)

Some Law Firm in NY claims to have a debt that I did not pay and a UCC lien on my Cash App they have blocked.

I have gone to the North Carolina Secretary of State site to check the business info that I had. My business was dissolved during the Pandemic and it closed. There is not such law firm that I ever did business with.

Below is the strange communication that I recieved in an email from Cash App. They are holding my money hostage for a debt that I do not owe and they will not send me any proof of the debt.

Hi Dr , We are writing to inform you that your Cash App account has been put on hold due to a UCC lien notice.

What does this mean for my Cash App account?

A creditor is enforcing a lien filed against your businesss receivables, which identifies you as a secured party. This lienholder is seeking repayment for a debt. They have taken action by sending notice of the lien to us, either directly or through a law firm or debt collection agency.

What happens next? 
Were obligated by law to place a hold on your Cash App account. This means that you wont be able to transfer any funds from your balance. All funds will be held in your Cash App balance until we receive one of the following : 1. A release agreement from the lienholder directing us to lift the hold on the account.

2. A court order or other documentation that authorizes us to release the hold on the account.

What do I do to resolve this?

UCC liens must be resolved between you and the lienholder. You may be able to work out a solution by contacting them directly. If you reach an agreement, the lienholder will need to send a copy of the release agreement directed to us instructing us to lift the hold on the account.

Heres the contact information we were given about the lienholder : Law Offices of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, New York XXXX Email : XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Sincerely, XXXXXXXX XXXX XXXX Please note that on XX/XX/2021, Square , Inc. changed its name to Block , Inc .
Consumer complaint received 2024-08-17
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (MI)

Following my previous complaint regarding this company and the fraud showing on my account, rather than fix the issue, they closed my account. They still have not addressed the fraudulent charges on the account, in fact, they sent me a letter stating my minimum balance was now lowered to {$260.00} while they investigate, however, on my account online it is still requesting that I make a minimum payment of {$920.00}. They closed my account for no legitimate reason. I pay my bill every month on time, except for now because of the issues. I have paid it off in full multiple times and have had no other issues. Now because I have complained to the CFPB and XXXX  regarding their recent actions, they are retaliating by closing my account. I will be filing a lawsuit against Best Buy Credit Services and Citibank. What they are doing is wrong. I have reported the fraudulent charges on my account, yet they fail to resolve them, instead demand ridiculous payments even after sending a notice that the amount would be changed. Then close the account because I have made complaints.
Consumer complaint received 2024-07-16
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: EQUIFAX, INC. (FL)

I have way to many inquires on Equifax that I never gave authorization to, I would like for the creditors to proved proof where i allowed them or said it was okay to access my report with out my knowledge or consent. I just graduated high school there is no need for me to have anything extra on my credit besides my secured card with XXXX  XXXX. I'm asking that the other collection please be removed for I am deciding to join college and would like for my report to be clean how I had it originally as a responsible teen thank you.
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 antedate 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 2022-06-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (CO)

So about 3 weeks ago my account was totally wiped all funds are out of my wallet and which was a cash app wallet. I sent rounded up XXXX XXXX  and I was going through issues trying to contact cash app and ask for help I was rudely turned down I have screenshots and more for prove. Then all of a sudden my account was at XXXX XXXX I was trying to get my wallet phrase from cash app they denied me so my funds should have stood on the block chain and they disappeared the only other conclusion would be just cash app! Because they only had access to my cash wallet then my cash wallet address changed with out notification. So who ever on cash apps end stole my funds changed my whole wallet address which I also had pending funds that were going to arrive. I keep asking for help and I Recive none! they wont even reply to my messages now!
Consumer complaint received 2022-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Account sold or transferred to another company
Company: Block, Inc. (CA)

I want to file a complaint against Square. I have a small travel company located in the XXXX XXXX. We have been using Square for over 6 years. When the pandemic hit, we had lots of consumer refund requests and we didn't have enough staff to process everything on time. There were some clients decided to file a credit card disputes with their credit card company. I totally understand their decisions. Because of the disputes went to Square. Square decided to put a reserve on our account, which 40 % of all sales volume. I actually understood their decision as well because of the credit card disputes we had. 
However, as of XXXX this year, we issued more than XXXX XXXX to refunds to clients and the credit card disputes have almost disappeared. We hired new staff and tried to take care of every refund requests. But Square still keep the reserve on our account. This is becoming more and more concerning to us. 
For example, we only receive 60 % of the clients ' payment when they make a booking with us, and when they come back in 4 month and decide to cancel the trip, we are supposed to refund 100 % of the payment minus a little cancellation fee, but Square haven't even transferred us their payment. We still only have 60 % of the total payment but now we need to refund almost 100 % of what they paid! These similar transactions are draining our bank account!

As of today, Square still keeps 40 % of our sales revenue, and the amount they are holding now is {$120000.00}.

I believe our business is just one of hundreds of thousands facing the same problem, I demand Square to take the correct action and refund our reserve right now. I will share my experience with all regulatory bodies until they do. If anyone have a similar experience, please feel free to contact me, and we can together form a stronger force against this unfair treatment.
Consumer complaint received 2024-08-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (MI)

Customer was victim of identity theft, and fraudulent charges were made to checking account. Customer immediately notified bank. Chase Bank denied fraud claim, despite clear evidence charges were made by a person of a different name and address. Chase did not allow customer to dispute denial. Funds were stolen and Chase did not protect customers security nor protect funds as required under federal law. 

Date XX/XX/year> Amount left in dispute : {$110.00}
Consumer complaint received 2022-06-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (FL)

I attempted to get gas through the XXXX app using my cash app card. XXXX put a hold of {$120.00} to attempt to pay for the gas. My current balance was only {$35.00}. Once it recognized I did not have the amount for the hold only {$5.00} was returned to me. I emailed was to inform them of the error and contacted cash app via the support chat in the application. I explained on more than one occasion that my {$30.00} was not returned. I received a confirmation email from wawa stating that the funds had been released. I was unsuccessful using the chat so I tried calling cash app support hotline. The first advisor stated they placed my dispute under review and I should hear something in 10 days. I waited 10 business days and I received no call back. So I called back tried to provide the case number the advisor was very abrasive rudely told me the transaction was canceled and when I was trying to explain my money had not been returned they hung up on me. I had to compose myself and proceeded to call again. The new agent started a new case for me with a new case number. This issue was initiated XX/XX/XXXX and Ive yet to have any assistance in getting my money returned. I also put in a dispute with regards to my account being compromised on XX/XX/XXXX and the amount of {$150.00} hasnt been resolved either. Im very hurt seeing as this is a platform I thought could be trusted but when it comes to trying to aid a customer in getting unauthorized funds returned there seems to be no sense of urgency or compassion for the customer.
Consumer complaint received 2018-12-21
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. (CA)

The following accounts were fraudulently opened in my name. I am a victim of identity theft and did not make the charges. CFPB, I am requesting that the items be blocked to correct my credit report XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX,
Consumer complaint received 2022-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I have subscribed to TransUnion credit monitoring for many years now and they provide dismal, substandard service. Today I successfully logged in and attempted to refresh my credit report as it was already two weeks old. After clicking on " submit '' the system just continued spinning for over 1/2 hour and ultimately did not update my report. I contacted TransUnion support online and they were unable to help. I tried using multiple browsers on multiple computers and all failed. 

I then called TransUnion support by phone. I answered all the security questions 100 % accurately, but their phone hung up. I called again and answered every security question with 100 % accuracy and when I reached the representative they said my account was suspended because I did not answer the phone prompt security questions correctly. They gave me a special password and said they unlocked my account, but their special password does not work and the account still remains locked/ frozen. 

I am XXXX XXXX XXXX XXXXXXXX and do not have time to call and wait for these incompetent people to do their job and fix their incompetency. 

They need to fix my account right away and since I am unable to use it, refund all or a portion of this months charges.
Consumer complaint received 2024-07-16
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)

Good evening, My name is XXXX XXXX. I have been reviewing my credit report and noticed an inaccuracy reporting. There are three accounts under the name " XXXX '' that is being reported to my credit report. Please have the credit bureau remove these accounts because they are completely inaccurate. It's stopping me from being able to buy a house. Please have them investigate and remove these accounts as fast as possible. Thank you.
Consumer complaint received 2022-06-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (CA)

XX/XX/2022 I was attempting to replace my debit card on file to another debit card with Cash App. It was not allowing me to complete change it stated invalid debit card number so I attempted several times and still no success. I clicked on Cash App support from there application and was led to customer service representative. The representative fraudulently transferred money to other accounts and to bitcoin stating this is how they fix issues with debit cards that have issues with invalid number can not add card. I had about {$3300.00} in my cash app account and after the fraudulent transactions some of which was returned about {$1000.00} as a tactic to convince me it was legitimate and i would get all my money back once my debit card issue was corrected. He provided a fraudulent call back number that he used to call me back and text me fraudulently about cash app account status. Also {$8700.00} was withdrawn fraudulently from my XXXX  debit card on file with several fraudulently transactions. Currently I am disputing those charges as fraud with XXXX but they did not offer a chargeback until they investigated this fraud stating they dont do chargeback since its a third party app. In total i lost {$11000.00} ( {$2200.00} lost from cash app balance and {$8700.00} lost from XXXX  debit account. I submitted complaint to both cash app and XXXX bank. But cash app responded within a couple hours stating they can not reverse charges and only way is if I ask the recipient ( the fraudster ) for a refund. The representative asked me to transfer money to someone I had previously transferred money to on cash app so that he could correct the debit card issue but it was his tactic to just transfer more money to other accounts and bitcoin wallets.
Consumer complaint received 2022-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Block, Inc. (NY)

I received a letter from the IRS in XXXX this year. It is a XXXX notice for tax year 2020. The letter states that a company called SQUARE , INC reported to the IRS that I made {$77000.00} income that year. Because of this I owe tax to the IRS in the amount of {$19000.00}. 

For the record, I have never worked at Square , Inc. Someone fraudulently used my social security number, DOB, and name. I contacted the IRS about it. I also asked XXXX XXXX XXXX to investigate this fraud. Square company told me they had my SSN, DOB and name, which are enough to prove my identity. I told them that with so many data breaches in recent years, this personal information is now an open secret, so anyone can get it on the dark web. I asked them to give evidence to prove that the person using my identity to make this income is truly me. Square company told me that they are not responsible for investigating this, that I need to find police to investigate this. 

Square company did not do a diligent background investigation when they hired people online. When someone used my identity to get hired at Square, it was Square that failed to stop fraud crime. Now Square continues to act irresponsibly toward victims of their negligence. 

Address of SQUARE , INC XXXX XXXX XXXX XXXX XXXX, CA XXXX tel : XXXX
Consumer complaint received 2024-09-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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 2024-09-05
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: EQUIFAX, INC. (CA)

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 2022-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: GOLDMAN SACHS BANK USA (TX)

On XX/XX/2022 I went to an XXXX XXXX to purchase a new XXXX  that cost {$1000.00}. I was informed I could make interest-free monthly payments on this purchase by opening an Apple Credit Card to make the purchase. Which sounded good to me. 

So in the store, I applied for and was instantly approved for the Apple Card, but when I went to make the purchase I was informed I could only do so if I was activating the phone in-store. This was not possible because my wife is the account holder on our XXXX XXXX XXXX account and she was not with me at the store. 

Now I was stuck with a new credit card that I was only interested in because of the interest-free payment option. And canceling the card after just applying for it would hurt my credit rating.