davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-27
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. (FL)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2022-08-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (OH)

Sunday XX/XX/XXXX I accidentally added a XXXX dollars to my Cash App account. I added it twice because I received a error message stating ( My transaction could not be completed they I I would be notified when it was completed ) on the first attempt. I sent XXXX to my friend and requested a cash out on the other XXXX. I was prompt to pay XXXX for instant deposit and free if I waited until Tuesday. I chose to wait and my other money was sent to an account that I havent used in since XXXX. I explained that to Cash app customer service reps and they continue to act like This is my fault and when I asked for there supervisor or any information they hang up. I still dont know how to get my money back.
Consumer complaint received 2022-08-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc. (TX)

XXXX XXXX scammed me out of money. She was hired to provide services and she didnt do it. By the time I realized she was a fraud it was too late. She told me several times she would refund my money back but she have not done it. She told me I had to wait 189 days to receive a refund. She committed Fraud by Deception and breached our oral contract agreement. She stopped communicating with me and blocked me. She refused to give me my money back.
Consumer complaint received 2022-08-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (CA)

On XX/XX/2022, Cash App suffered technical issues that prevented me from accessing my Cash App account and making direct deposits. After supposedly fixing the problem, I was still unable to access my account. I contacted technical support at XXXX ( XXXX ) XXXX, a technical support representative advised me to upgrade the app on my phone to the latest version. According to the technical support representative, I had an older model XXXX and that was the reason I was having issues accessing my account. I was instructed to upgrade to a newer model XXXX, which I subsequently purchased. After purchasing a brand new, very recent XXXX model, I was still unable to access my account. 

For 4 days, I spoke to nine Cash App support representatives over the phone. Not one Cash App support representative was able to help access my account. Multiple Cash App support representatives guided me, over the phone and through the chat function within the app, every troubleshooting step to regain access to my account failed. Not one worked including opening a new Cash App account. The Cash App support representatives said that they would transfer the funds from my old account to this new account. 

In the end Cash App was unable to transfer the funds, claiming it was due to security reasons. I have reached out to Cash App multiple times over the phone and chat function. I have given Cash App support representatives all the information they have requested to confirm my identity and to view my balance and all activities pertaining to my account, but Cash App still refuses to give me access to my funds and my account. I requested to escalate my case to a manager or supervisor multiple times. Cash App support representatives advised that a manager would contact me via email. Ultimately, I have received multiple emails stating Cash App can not help me recover my funds. 

I want Cash App to give me the {$2000.00} balance in my account plus {$680.00} for the XXXX I was told to buy..
Consumer complaint received 2022-08-18
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (CA)

On XX/XX/2022, I was fraudulently charged {$630.00} at a hotel I never stayed in. I have reached out to Cash App and filed a dispute for this purchase that was made with my cash app card. I had also contacted the hotel management who assured me this was an issue to take up with Cash App. I filled out all of the appropriate forms asked of me by Cash App, and still no response. It is now XX/XX/XXXX, and I havent even received an e-mail update on my case. During the course of this time I have reached out to SEVERAL representatives via the support chat who have all failed to provide me with any information on my case. At this point I am beyond frustrated that this is how your customers are treated. I utilize cash app for my direct deposits and have been a loyal customer for YEARS. They have absolutely no reliable support that actually cares about your situation, and no protection for your funds! Solve my dispute and stop making excuses!
Consumer complaint received 2024-06-23
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. (PA)

I did not give any consumer reporting agencies written permission to furnish XXXX XXXX XXXX accounts on my consumer report XXXX XXXX XXXX Account # XXXX 15 USC 1681b Clearly States Any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates. That aggravated Identity Theft 18 USC 1028a because the have possession of my information and they are also using it without consent from the consumer
Consumer complaint received 2024-08-07
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. (TX)

I am writing to bring to your attention several issues I have encountered with the credit bureau. These concerns include incorrect account listings, inaccurate credit reports, inconsistent billing, and accounts that are not mine. 

Resolving these matters is crucial for my financial security, and I would greatly appreciate your assistance in addressing them.
Consumer complaint received 2023-11-20
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP (WI)

I've subscribed to XXXX grocery for years. Chose 2 % groceries reward. Only get 1 %. US Bank says it's merchant 's fault. Says up to merchant to say it's for groceries. US Bank 's own website says XXXX qualifies for grocery rewards. I think people are owed millions in rewards they are not getting no matter if it's US Bank 's fault or the merchants. 

I even asked US Bank what would happen if I bought groceries from XXXX XXXX and they said they wouldn't know until after I made a purchase to see how the merchant described my purchase. Ridiculous! 

People are getting screwed and I'm surprised a law firm has not started a class action over this.
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

To whom this may concern, my name is XXXX XXXX, this statement is being composed by me. Per the Fair Credit Reporting Act, accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681-B : the permissible purpose of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRTTEN instruction of the consumer whom it relates. I NEVER GAVE this consumer my INSTRUCTIONS OR WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT! I am demanding the removal of the following accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. The following inquiries were not authorized by me and I request removal : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-08-07
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. (NY)

Good morning I'm presenting a complaint of the following companies. 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 XXXX XXXX XXXX has violated my rights. 

I looked at my Experian credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates to 15 USC-1681 ( E ) ( B ).

15 USC 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 an account without my written instructions. 15 USC 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 of information, other than records of conviction of crimes which antedates the report by more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-22
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. (TX)

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 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 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 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 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 2022-09-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (MI)

On XX/XX/2022, a total of {$20.00} was taken out of my CashApp account by a thief name XXXX XXXX. I contact Cashapp immediately after being notified by text. I was told the following : 1 ) they could not help me stop the payment, 2 ) I had to contact XXXX and wait for the transaction to be completed before they will step in to refund my money. XXXX customer service could not be reached and I was forced to wait for this XXXX to steal my money. After the transaction was completed, I called to get my money back, CashApp XXXX number XXXX. 

On XX/XX/2022, XXXX, the manger, tells me I have go into the application to dispute all XXXX XXXX charges and the XXXX XXXX before they will consider returning my {$20.00} and if I have problem customer service for assistance. This was already completed, XXXX number XXXX. 

I called to speak with a manager. No manager is available. When I asked how long my information will remain in the database, I was told my information will remain until the company dissolves. I do not want my information to remain indefinitely. This company has a security breach and does care about my information or money.
Consumer complaint received 2022-08-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (IN)

On XX/XX/2022 I began using Cash App more than usual. From that date to XX/XX/2022 Cash App virtually cancelled my transaction to specific individual. They gave several reasons for this. Every cancelled transaction they held on to the money stating my bank, XXXX would refund the money in 3 business days. In the Help section of their app it states " Refunded payments are returned instantlyto your Cash App balance if the funds were sent from your bank or Cash App balance. Clearly they don't appear to be doing this. I talked to XXXX customer service to see if there were any pending refunds on hold. They checked several of the cancelled transactions. She said she could see the two {$20.00} transactions. She stated Cash App has to initiate these two as well as the other amounts. Once that happens the money will be transferred to XXXX and the money will appear back into my account in 3 business days. I haven't totaled the refunds owed, but Cash App sat on these funds. This morning, XX/XX/2022 i relayed this information to Cash App. I will list the cancelled transactions and amounts below. 
XX/XX/XXXX @ XXXXXXXX XXXX for {$20.00}. Identifier # XXXX to XXXX XX/XX/XXXX @ XXXX XXXX for {$20.00}. Identifier # XXXX to XXXX XX/XX/XXXX @ XXXXXXXX XXXX for {$20.00}. Identifier # XXXX to XXXX XX/XX/XXXX @ XXXX XXXX for {$20.00}. Identifier # XXXX to XXXX XXXX XX/XX/XXXX @ XXXX XXXX for {$20.00}. Identifier # XXXX to XXXX XXXX XX/XX/XXXX @ XXXX AM for {$20.00}. Identifier # XXXX to XXXX XXXX XX/XX/XXXX @ XXXXXXXX XXXX  for {$50.00}. Identifier # XXXX to XXXX XXXX XX/XX/XXXX @ XXXXXXXX XXXX for {$20.00}. Identifier # XXXX to XXXX XXXX XX/XX/XXXX @ XXXX XXXX for {$20.00}. Identifier # XXXX to XXXX  These transactions total {$210.00} to be refunded.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I've been a victim of identity theft. My information was exposed to the public in the XXXX and XXXX data breaches. I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously.
Consumer complaint received 2024-06-22
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. (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.

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 2024-03-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2024, somebody impersonating a police officer stole money from my account, using XXXX to wire it to a person impersonating " XXXX XXXX XXXX XXXX XXXX '' One transaction was {$1000.00} and the other was {$1500.00}. This was somebody IMPERSONATING the account, which is a felony and has been reported to law enforcement. The supposed " XXXX XXXX XXXX '' account was CONFIRMED TO BE FRAUDULENT. The claims department at Wells Fargo has been gaslighting me, claiming it was the " XXXX XXXX XXXX '' despite overwhelming evidence to the contrary. Wells Fargo has been gaslighting me further, claiming the transaction was " authorized '' and are refusing to explain why they are not refunding the {$2500.00} that was stolen from my account. They are also gaslighting me in stating " You never lost {$2500.00}. I see a transaction of {$1000.00} to the XXXXXXXX XXXX XXXX XXXX [ fraudulent ] and {$1500.00} to the XXXX XXXX XXXX XXXX  [ fraudulent ] ''. XXXX. Additionally, they deliberately combined two separate claims into one, thus trying to find a loophole that would prevent them from refunding my money. These thieves have taken everything from me and Wells Fargo is gaslighting me. They are mistreating somebody who comes from poverty and lives hand-to-mouth. I have been fighting this for months now. Please escalate this to whoever is deciding not to refund the UNAUTHORIZED withdrawals of {$1000.00} and {$1500.00} from my checking account.
Consumer complaint received 2024-07-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (NV)

I use Venmo for peer to peer transferring of money, I do not sell any products on the platform. On XX/XX/year> a friend sent me multiple transactions totaling {$220.00}. The Venmo algorithm flagged this as suspicious activity and I was later informed by Venmo that my account had been locked. On XX/XX/year> I received an email from Venmo stating they needed my ID to confirm my identity. Using the email link they sent me, I provided the information. After not hearing back for several weeks I reached out to them in early XXXX because I was unable to add my bank card or account number to my account in order to withdraw my funds. On XX/XX/XXXX, I was told I needed to provide a copy of my bank statements showing my full legal name and the last four digits of my account number. I was told this information was needed to unlock my account and needed in order to receive my money. Today, XX/XX/year> after months of back and forth I was given an email saying my account was permanently locked and that they do not need to explain why. Venmo has effectively stolen my money. I did not violate any of their terms of service and they are stealing from me. I want them reported and I want them to be forced to return my funds because this is completely unacceptable.
Consumer complaint received 2024-03-08
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P. (TX)

This new complaint is additional information for XXXX I received a letter dated XX/XX/XXXX they provided billing from XXXX of XXXX the acct # XXXX XXXX XXXX XXXX XXXX XXXX They used my current address as the service address. which is incorrect, XXXX has never serviced XXXX area. This account in reference is a XXXX, Texas account I had back in XXXX that this company is attempting to collect on as they re-age this account from XXXX XXXX  was able to verify the equip as returned however the address was N/A XXXX was unable to provide from the date of install or first & last billing. 
If a bill was outstanding on said account it could only have occurred back in XXXX with again is a re-aged account as of current correspondence from Southwest Credit Systems
Consumer complaint received 2024-06-04
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)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXXXXXX # XXXX, Account name : XXXX XXXX XXXX, Account name : XXXXXXXX XXXX  # XXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.