davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-03
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (FL)

XXXX : Complaint Regarding Unauthorized Account Freeze and Lack of XXXX Dear Consumer Financial Protection Bureau XXXX XXXX am writing to formally lodge a complaint against CashApp regarding the unauthorized freezing of my account and the subsequent lack of support to resolve the issue. 

**Details of the XXXX : ** On XX/XX/year>, I accessed my CashApp account from my phone after performing a factory reset. I successfully logged in and added funds to my CashApp account from my XXXX XXXX bank account. However, when I attempted to transfer the funds to a friend, my account was suddenly frozen, and I received a notification indicating unusual activity on my account. 

Since the incident, CashApp has refused to provide access to my funds or allow me to transfer the money back to my XXXX XXXX account. Despite my multiple attempts to resolve the issue via their chat support option and over the phone, I have been met with unhelpful responses and a lack of transparency regarding the cause of the account freeze. 

**Attempts to Resolve the Issue : ** XXXX. **Contacting XXXX : ** I contacted CashApp support via chat more than XXXX times. Each time, I was told that another team was handling my case, and no new information was provided. 
XXXX. **Phone Calls : ** I called CashApp support more than XXXX times. Each representative I spoke with refused to assist me, stating that I needed to wait between XXXX and XXXX hours for the investigation to conclude. Despite explaining that the factory reset of my phone likely triggered the unusual activity alert, they provided no further assistance or clarity. 
XXXX. **Providing XXXX : ** I offered to provide my ID and any necessary information to verify my identity and unlock my account. My offer was ignored. 
XXXX. XXXX XXXX : ** I received an email response from a CashApp support XXXX named XXXX XXXX Despite explaining my situation and the lack of help from support, she closed my case without resolving the issue. Now, my attempts to contact her are met with automatic responses, and my account remains frozen. 

**Impact : ** The freeze on my account has caused significant inconvenience and financial distress, as I am unable to access my own money or pay my friend. 

I request the Consumer Financial Protection Bureau 's assistance in resolving this matter promptly. I seek the immediate unlocking of my CashApp account and access to my funds. Additionally, I urge the XXXX to investigate CashApps handling of this matter and ensure they provide clear and transparent support to their customers. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

In accordancewitj fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instructions. under 15 USC 1666b a creditor may not treat a payment on a credit cardaccount under an open end consumer credit plan as a late for any purpose. 
Specifically, XXXX XXXX and XXXXXXXX XXXX. Unable to provide original documents and continue to record unaccurate information on credit report as recently as XX/XX/year>. 
I have sent out, Certified letters and mail, requesting documentation to XXXX, with negative results.
Consumer complaint received 2024-02-09
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: OPORTUN FINANCIAL CORPORATION (FL)

Checking the debt of my credit card that I have not consumed for more than a month, I see an XXXX  charge of {$330.00} that I did not recognize. 

They immediately transferred me to an apartment where they blocked the card and informed me that they would send another one to my house ( usual procedure ). 

When I asked about the money back, they told me that they would do a 90-day investigation, without returning the money to my account. 

I complained to them that he had been scammed and it was not fair to have to wait 90 days, without having the certainty that my money would be returned and that I would report that debt to you Boureaus of credit for 3 months. 

They only told me that it was the procedures and that I had to wait. 

It is not the first time that I have suffered security breaches with Oportun, where the last time another address and phone number was added to me and I can not pay on time for not being able to enter the application, to make my payments for the violation of my access data. 

That led to a late payment report in my report and multiple calls until solving the problem of changing address and phone number. 

Now they steal {$330.00} from me and I have to wait 90 days to recover money that I don't authorize. 

It is really strange that my Credit Card is identified with the last four digits of XXXX and the operation reflects the last 4 digits of XXXX
Consumer complaint received 2024-02-09
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (FL)

I acquired the XXXX XXXX. I used it to pay rent and the charge was declined. I reached out to XXXX and they explained the steps that had to be taken for a rent payment to be made and explained in writing that they would refund any fees that I was charged by the miscommunication of using their credit card. 

When I was eventually charged a fee of {$35.00} for the charge of rent that didn't go through, XXXX XXXX refused to refund the fee.
Consumer complaint received 2024-02-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I send a letter to the creditor never got response back in XX/XX/year> so waited some time and never got a response so I went to the credit agencies XXXX XXXX and XXXX the only respond I got was that Capital one verified the debt requested them to send verified the debt they did not send me anything and then I requested it from the creditor and also nothing They just said they verified the debt and stated its mine never gave any proof of the debt and I Requested that information form the the creditor never got any response so I am asking for your help that creditor is breaking the law not providing the circumstantial documents requested
Consumer complaint received 2024-02-08
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Confusing or misleading advertising or marketing — 
Company: Bridge IT, Inc. (OK)

Brite advertised instant money I had given them all information then it said approved I was waiting on it then it came back it wasn't because of their point system it never said that in the advertising or when it did a information set up to take money out of my account it wouldn't let me delete it I tried contacting support and it is a XXXX XXXXXXXX which wouldn't give me a phone number or address nothing on there site let 's you delete account it takes you back to this XXXX  in a circle of confusion to not let you cancel or delete it and keeps you account information then I got an email saying stuff that when I uploaded everything it says approved for XXXX XXXX. But no money the. Hey back tracked on the deal and I told them in email false advertising to get people 's information and not provide a way to cancel is federal unlawfully done to people and their credit.
Consumer complaint received 2024-02-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CITIZENS FINANCIAL GROUP, INC. (FL)

This is the first time I have allowed Citizens to do a billpay transfer to my mortgage loan company, XXXX XXXX. Even though the transfer looks like it was initiated ; the date or that the allegedly received payment was XX/XX/XXXX. That date came and went. I initiated payment on XX/XX/XXXX and from my past experience, this is should only take XXXX to XXXX day for the biller to receive their money. This is going on almost XXXX days and Citizens has nothing to tell me except wait wait wait. Meanwhile I am about to incur a {$150.00} late fee and have my credit score hurt because they dont know where the paper check is. I find it suspicious that it has no history of when the check actually was sent out. They only claim that it was received on the XXXX, again that is factually incorrect. Where is my money? According to my balance in my Citizens Bank, it looks like they never sent the money out. I need this payment paid out in a big way quickly.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/2024 I mailed a letter opting out of said companies reporting personal information to third-party companies such as credit bureaus, and other non-affiliated companies. I am making this complaint because I have gotten no response/effort from the company to comply with my request
Consumer complaint received 2024-06-03
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: NRA Group, LLC (FL)

The calls from XXXX are generic in that they just say " We have an important message from national recovery agency this is a call from a debt collector please call XXXX again please call XXXX. '' It's going not to my personal phone, but to an assigned company official use phone provided by my employer. I don't believe this is legitimate at all. I believe this is a spam or robocall. I checked my credit report and don't have any indication that I have a debt that went unaddressed and now has been referred to a debt collector. Another point is that my work phone has never been used or reported by me as a way to reach me in any of my personal business. There's no way any legitimate debt collection would be going through my work phone and NOT using my personal phone at all. I NEVER get this call on personal phone.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

My right to privacy is being infringed upon by Bank of America. They are disclosing my nonpublic personal information to non-affiliated third party companies such as XXXX, XXXX, XXXX, XXXX, XXXX and XXXX XXXX XXXX after I have instructed them to cease in doing so via an opt-out notice.
Consumer complaint received 2024-06-03
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: Bread Financial Holdings, Inc. (CO)

Dear Sir/Madam, I am writing to file a formal complaint against CB/VICSCRT in regards to account for repeatedly sharing inaccurate information with credit agencies, despite numerous attempts on my part to rectify this issue. Pursuant to 15 USC 6801- 6805 and the Privacy Act of 1974, I have explicitly exercised my right to opt out of the sharing of my personal and confidential information with credit agencies.

Despite my clear instructions, CB/VICSCRT has continued to furnish incorrect information to credit agencies, resulting in significant inconvenience, financial losses, and wasted time on my part. As a consumer, I have the right to ensure the accuracy of information contained within my credit report, as outlined in 15 USC 1681.

I have made multiple efforts to address this matter directly with, to no avail. Therefore, am now seeking intervention from the Consumer Financial Protection Bureau to resolve this issue effectively. I request that CB/VICSCRT be prohibited from reporting any further information and to delete all currently furnished information to credit agencies without my explicit written consent. 

I have enclosed copies of all relevant correspondence and documentation supporting my complaint for your review and investigation. I appreciate your prompt attention to this matter and look forward to a resolution that upholds my rights as a federally protected consumer. 

Thank you for your assistance in this matter. 

Sincerely,
Consumer complaint received 2023-05-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Please delete all hard inquiries these are not authorized by 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

I have a bank of America card. 

I had rewards that I credited to my account in the amount of {$10.00}. 

This lowered my account balance to {$49.00} and posted on XX/XX/year>. 

I then made a payment of my account balance of {$49.00} on XX/XX/year>. 

Bank of America charged me {$60.00} instead of {$49.00} and credited my account afterwards with the rewards of {$10.00} They moved money around and stole from me. 
I have a screenshot of the rewards on XX/XX/XXXX being posted and a new balance reflecting. After paying the balance they charged me the original amount and credited my account the rewards. 

Now my account has a negative balance because they took my money.
Consumer complaint received 2024-06-03
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: M&T BANK CORPORATION (DE)

I have explained that this account doesn't belong to me and how it is hindering from me from applying for new credit. It is against the law to provide inaccurate information to the credit bureaus and to make payment transactions visible to the public. Please remove this account at once.
Consumer complaint received 2024-02-07
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: CAPITAL ONE FINANCIAL CORPORATION (PR)

On XX/XX/XXXX at XXXX I received a call and voicemail message from Capital One fraud department saying that they wanted to confirm suspicious activity with my information. I ignored the message because during that time I have been receiving many scam calls and texts to my cellphone. 

On XX/XX/XXXX, I was browsing my XXXX XXXX and found a hard inquiry done to my credit report that I had not requested or authorized. The hard inquiry was made on XX/XX/XXXX and the institution Information is : Capital One XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

I quickly went to XXXX and submitted an online dispute describing what had happened. The resolution came on XX/XX/XXXX, and it determined that " INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE XXXX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. '' The whole result of the dispute is attached in this report. 

On the same day, I called Capital One, and they told me that they are not able to do anything about it and that I have to take the concern to a Credit Bureau. 

After that, I called XXXX. They added a fraud alert on my credit information and prompted me to make a report to the Federal Trade Commission. From the FTC, I was redirected to this forum.
Consumer complaint received 2024-02-06
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

I have autopay setup on my capital one Quicksilver account. This is the third time they have charged me a late fee even though I have autopay setup. I REFUSE to pay the {$40.00} late fee again, this is not my fault. I have the money to pay them and auto pay is setup.
Consumer complaint received 2024-02-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (IL)

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Consumer complaint received 2024-02-05
Product: Credit 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: PNC Bank N.A. (NV)

Yes these XXXX charges are still on my account! and you guys tried to have an employee who trying to reach out to me but i have tried to called the person like 10 times and he never pick up! so how can i get any help regarding these fraud transaction that is still on my credit card?? 

the person who email me was XXXX, XXXX XXXX ) XX/XX/2024 XXXX XXXX XXXX  XXXX XXXX VA XXXX ) XX/XX/2024 XXXX XXXX XXXX VA XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XXXX VA XXXX ) XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX ) XX/XX/2024 XXXX XXXX XXXX XXXX VA XXXX ) XX/XX/2024 XXXX XXXX VA XXXX ) XX/XX/2024 XXXX XXXX XXXX VA XXXX ) XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XX/XX/2024 XXXX XXXX XXXX VA XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX VA
Consumer complaint received 2024-02-02
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: EQUIFAX, INC. (FL)

I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
XXXX XXXX XXXX
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

Notice of Negligence of Holding Fraudulent Data on my consumer File. I have explained to ( XXXX, XXXX XXXX and Equifax ) That I have Never Received any Loan from XXXX and they have continued to Furnish this Data. Ever Since XXXX Through XX/XX/XXXX theyre furnishing Payment History & ( Account Details ) thats Inaccurate Data since XX/XX/XXXX up until XX/XX/XXXX. Remove this Account from my Consumer File Immediately. I Direct the Consumer Financial Protection to Remove this Data at my Discretion
Consumer complaint received 2023-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

Account # XXXX To whom It may concern : I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account is not only listed as being OPEN, but also as having a PAST DUE BALANCE of {$670.00}. This is a violation of the FCRA and is in violation of requisite METRO2 Complaint reporting standards. According to the Fair Credit Reporting Act I have a right to a completely accurate credit report, and you a required to remove any information that is not true, verifiable and accurate.

Please IMMEDIATELY remove this account from my credit report and send me an updated report showing your compliance with all METRO2 reporting standards and this account removed upon completion.
Consumer complaint received 2024-02-05
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

I was guarantee XXXX XXXX  cash back after spending over XXXXXXXX XXXX  in 3 months I did this and now they are refusing my promotion every time I call they give me a different reason.
Consumer complaint received 2024-06-03
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (TX)

I received an Amex gift card from a family member for XXXX. I went to the website https : /balance.amexgiftcard.com # / to check if it's valid and to check its balance ( {$100.00} ) I attempted to use this on XXXX XXXX using {$1.00} less than the face value of the card ). And the transaction is declined. I then tried again with various other amounts less than the full face value. 

Many people have reported having this problem starting this past year.
Consumer complaint received 2024-02-02
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO. (IN)

XXXX Chase credit card Owner/ Flight Ticket abuse I'm sending this email because, the card is not providing us the benefit under the term of the Card and XXXX also taking advantage of other vulnerability. 

My mother was sick and hospitalized for XXXX XXXX and endure XXXX XXXX XXXX XXXX XXXX, but when felt better we ( my mother, husband, kids and I ) flew to XXXX but unfortunately my mother passed away early Monday, XX/XX/XXXX, 2 days prior to our scheduled return returned planned for XX/XX/XXXX and XXXX. 

It was a very hard time for us. But even during all of that, we took the necessary step to call the Chase card benefit which ensured us that we were eligible for a benefit of {$1500.00} per person up to a Max {$6000.00} Per card. Under that guidance, we adjusted our 5 tickets which resulted in an additional {$13000.00} between our two Chase credit cards. Buying a new ticket would have cost us {$7000.00} minus credit for unused flights but based on the guidance we received it was better to adjust as it would have been covered by our card travel protection. Today we are burden by this large amount that keep incurring a handful of about {$400.00} fees a month and neither XXXX XXXX nor XXXX Chase is taking ownership of this issue and this causing a lot of financial and emotional distress for our family.