davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2022-05-27
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc. (FL)

So what happened was that cashapp closed my account without any notice and I got my check sent to my account and now it got bounced, I tried contacting cashapp and they haven't replied to me, I just need to know the tracking number of the money that got " sent '' back to my job or else I will not get paid for the days that I worked and if you guys need to know for what company it is XXXX.
Consumer complaint received 2022-05-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (GA)

The company has ignored my request regarding the unauthorized transaction repeatedly... I XXXX  XXXX  thru XXXX  and notified them within 15 minutes of the pending authorization posting to my account... I had the card on my person and absolutely no association with the transaction associated with the unauthorized debit to my Cash APP XXXX.. 

CFPB IS DOING A GRAVE DISSERVICE IN ALLOWING LAX OVERSIGHT AND ADHERENCE TO DISPUTE RESOLUTION FOR CARD PYMTS AND INADEQUATE, IMPROPER PCI/DSS PERFORMANCE .... XXXX  SHOULD PULL THEIR PROCESSING AGREEMENT AND FORCE SWUATE/BLOCK TO FIND A REPUTABLE BANK TO HOLD THEIR FUNDS AND RECEIVE! /PROCESS THEIR TRANSACTIOONS I HAVE BEEN WAITING ALMOST 10 DAYS TO HAVE THE FUNDS CREDITED BACK TO MY ACCT ... XXXX XXXX  CHAT SUPPORT FORCES THE ACCOUNT HOLDER TO ATTEMPT RESOLUTION WITH THE MERCHANT THAT PROCESSED THE TRANSACTION PRIOR TO ALLOWING YOU TO FILE A DISPUTE - THAT MEANT 4 DAYS BEFORE THEY EVEN OPENED A CASE AND ONLY THEN AFTER ALMOST 10 CONTACTS ATTEMPTING TO RESOLVE
Consumer complaint received 2024-09-06
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: Experian Information Solutions Inc. (GA)

There are several inquiries on my credit report that I did not authorize and are not familiar to me : 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
Consumer complaint received 2016-11-22
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO. (FL)

I am a XXXX XXXX XXXX former employee XXXX in a position which required XXXX. My personal information was compromised by the breach of data maintained by the XXXX. Chase Bank will not removed {$30000.00} of charges to my credit card fraudulently made by companies by gaining access to my personal financial information on file with XXXX despite my providing them with information that showed : ( 1 ) the companies either did not exist, ( 2 ) I have never traveled outside the U.S but one time since retiring and that was XXXX last year, ( 3 ) the identification of my computer as the source of charges is not a reliable method of personal identification because a individual 's computer IP address may be obtained by a number of ways not at all difficult and used as a mask for the actual computer being used to complete a transaction including making the charge for a service as was the situation in a number of charges where the largest dollar amount and recurring transactions seemed to be coming from XXXX actually from XXXX where I have never visited, ( 4 ) despite being XXXX XXXX XXXX I consider myself of sound mind and find XXXX sites quite offensive and have never and I repeat never, seen or been on such a site in my life and willing to take a lie detector test to prove as much, and ( 5 ) despite my protestation they are adding to my outstanding balance this {$30000.00} without providing me a list of these charges so I can review again with them personally every charge and prove not just by sworn statement but other information and evidence I did not authorize or make any of the disputed charges. The total of these charges ( {$30000.00} ) will cause my credit card to exceed it 's limit which is {$18000.00} because I currently have an outstanding balance of a $ XXXX. This information will be forwarded to the XXXX credit bureaus, reducing my credit score, eliminating some consulting opportunities which I do regularly, and make any new credit impossible to obtain, even to lease a vehicle. This is one of the most egregious actions a bank can take against an individual, erroneous reporting to a credit bureau. Even a man who has XXXX from an XXXX can not wipe this off his credit bureau report and it all starts with the egregious actions of Chase Bank. It seems there is something to be learned from the XXXX XXXX, " XXXX '', first do no harm which financial institutions should be forced to observe
Consumer complaint received 2024-09-06
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. (MS)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-08-06
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

In XXXX of 2024 I submitted an identity theft report and my signed affidavit under penalty of perjury to show that the account XXXX did not belong to me. On numerous occasions I asked for evidence being used to prove Capital One 's claim that they verified the account. I was not provided any information about their investigation. Capital One has not submitted any affidavits under penalty of perjury. I requested a validation of debt and was not provided this information.
Consumer complaint received 2022-05-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (FL)

My roommate sent me 500 for rent through cash app. When I logged in to cash out I noticed the money was stolen from me in increments. Cash app stopped the smaller transactions but the largest one for {$300.00}, from the same exact person, they claimed was not fraudulent. I tried several times calling cash app and they refer you to the app. I tried several times getting my money back in the app and no one helps me. Ive had an " investigation '' deemed not fraudulent and spoke with 2 managers via email, they refuse to call, that stated once they investigate there's nothing they can do but I can feel free to sue. I can't find a lawyer for this kind of thing. Since then they've deleted my account because I kept asking for a manager to call me. I filed a police report and was referred to the FBI. I filed 3 complaints with the FBI but they don't respond. I need my money back and no one cares.
Consumer complaint received 2016-10-12
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC ()

-Recently, I noticed a decline in my credit score because of a derogatory account from a collection company called PORTFOLIO Recovery Associates XXXX 
-After investigation, I found that Portfolio RA bought a false debt from XXXX bank without verifying the authenticity of that debt. 
- In order to extort me to pay this false debt, Portfolio ruined my good credit history by sending invalid claims to the major credit reporting agencies.
Consumer complaint received 2023-07-07
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. (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. 

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 reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

I have sent numerous documents to XXXX, Experian, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Consumer complaint received 2024-09-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (MO)

Email Received Confirm your details to reactivate Hello XXXX XXXX, We are reaching out to let you know that your Coinbase account is restricted because you did not update the personal information we have on file for you, otherwise known as Know Your Customer or KYC information. 
Your Account is Currently Restricted As communicated to you in previous emails, we are required by law to periodically re-confirm our customers XXXX information. Unfortunately, your account was restricted after you failed to update your information by the deadline we previously gave you. 
Reactivate Your Account Today The good news is, it's not too late - you can easily reactivate your account and regain full access by completing your XXXX update now. 
How to Reactivate Follow these simple steps : Log in to your Coinbase account Follow the on-screen instructions to confirm your information Once verified, your KYC account restrictions will be lifted and you can continue using Coinbase like before. 
We want you to continue being part of the Coinbase community. Please take a minute to confirm your KYC and start trading again. 
Kind regards, XXXX Coinbase XXXX -- -- -- Can not speak to Company by phone. Can not email Company. They provide no contact information in emails. The web site was changed and can not display web site to even log i on iOS 12.4.1. Found support XXXX XXXX however the company sends reply they will not respond. Only respond after login, which I can not due to coinbase.com changes in web site and XXXX XXXX without notice. 

Coinbase, XXXX is unreachable. Coinbase has locked me out of using the web site and app on XXXX XXXX and XXXX XXXX. Then proceed to lock my account from use and threaten to delete. 

Require Coinbase to remain compatible with Operating systems for a minuimum of 8 years ( which is the stature of limitations for maintaining all financial data ) from last update / security fix For XXXX XXXX it starts in XXXX. For XXXX XXXX XXXX it starts direct XX/XX/XXXX.
Consumer complaint received 2022-05-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (SC)

So on XX/XX/2022 I tried to deposit a check via cash app, however the check failed to deposit so I took it to XXXX and cashed it there! Cash app then put a negative balance on my account in the amount of the failed check claiming I attempted to deposit a check twice which did not happen. I have since contacted cash app support team and they have ignored my claims and refused to help me resolve this issue! I have all documents showing the funds were not added to my account yet they refuse to remove the negative balance.
Consumer complaint received 2017-02-10
Product: Debt collection — Federal student loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC (IL)

Financial Asset Management Systems sent the attached letter to the payroll department of my employer. The letter included information regarding intent to garnish my wages, and the amount of the debt FAMS is seeking to collect. They allege the debt results from a defaulted student loan, but all of my student loans were consolidated and are in good standing. I have no defaults on any loan of any type on my credit history. 

FAMS has never made contact with me about this debt, the only contact I 've ever had with them is via the impermissible letter they sent my employer. The letter has caused me significant embarrassment and XXXX.
Consumer complaint received 2024-09-06
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. (DE)

I am writing to follow up on my previous disputes regarding the removal of several inaccurate and invalid negative accounts from my credit report. Despite XXXX promptly resolving the matter by removing all the disputed items, XXXX and Experian have yet to take the necessary action. Your continued failure to comply with my rights under the Fair Credit Reporting Act ( FCRA ) is highly concerning and disturbing.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NM)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2022-05-24
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Problem with customer service — 
Company: Block, Inc. (OK)

I have filed my tax return with XXXX XXXX for the years of XXXX, XXXX. This year they turned it over to Cash App Taxes, so I filed my XXXX return with Cash App Taxes on XX/XX/XXXX. They gave me the option to have my refund deposited with Cash App, with whom I have an account which I have used in the past. The terms of service for Cash App Taxes states that you must have an account with Cash App to file taxes with Cash App Taxes. The account number on my Federal and State Returns is : Routing XXXX Acct : XXXX ( the same number on my Cash App Acct. ) My Federal Refund was sent to that account with Cash App in the amount of {$740.00}. on XX/XX/XXXX and Cash App returned the amount back to the originator. That meant I had to wait another week to receive a paper check. Now my State Refund in the amount of {$2000.00}. was sent to that account on XX/XX/XXXX and again Cash App returned the amount back to the originator. I have talked to customer service over the phone and have communicated via email so many times, I have lost count. They just keep saying I have to submit a photo with my drivers license in the photo, front and back, which I have done twice. Still no explanation.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. 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.
Consumer complaint received 2024-09-06
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 reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Consumer complaint received 2024-09-06
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 reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX  Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Consumer complaint received 2022-05-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc. (TX)

My friend sent me money by mistake and reported the transaction immediately and requested a refund. Cash App will not refund his money because my account was overdrawn. They have XXXX places that show misleading information. Please see my attachments. All were screened shot from within their application. I have reported and requested the refund several times via all of their required methods. It is extremely misleading and I believe intentional for them to state they dont accept money not intended for me but then state in their fine print that they do.
Consumer complaint received 2022-04-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc. (KY)

Square Inc. processed 43 transactions for my company, XXXX XXXX, on XX/XX/2022 between the hours of XXXX XXXX totaling the amount of {$670.00}. The transactions occurred at a local craft show in XXXX, Ohio called XXXX XXXX at XXXX XXXX XXXX Their website as a payment processor is www.squareup.com but their parent company name is " Block ''. Square has a long history of collecting credit card transactions for small businesses such as myself. 

On XX/XX/2022, Square informed me that another account existed for my company under the name " XXXX XXXX '' and email " XXXX '' - neither of which is correct for my company which has been in business for 13 years, nor did I receive any kind of verification before it conducted business on my company 's behalf. The name is spelled incorrectly and the email is invalid. When visiting " XXXX XXXX' it is clearly a spam website. Square should not have allowed this account to process any transactions under my business name. 

No further information has been provided from Square, such as many questions I had : When was the fraudulent account opened? How much money was fraudulently spent? What is the address listed on the account? None of these questions have been answered by Square and they have been generally uncooperative. I filed an FTC and Identity Theft complaint online which Square responded was " insufficient ''. My FTC report is available, however it has very little information included due to Square 's reluctance to provide this to me. They have continuously replied with the same copy/paste message as shown in the image below.
Consumer complaint received 2022-04-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Block, Inc. (OK)

On XX/XX/2022 my business excepted a business capital loan from Square. The payment was suppose to be a percentage XXXX XXXX of sales each day. But it turns out that it was percentage of card sales which our business is a small restaurant and if someone uses a card to tip the server they are taking a percentage of the servers tips. That is not our funds it has to be paid to the server at night. I feel that square is using predatory lending tactics for small business. Especially restaurants who are already hurt from the pandemic.