davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-25
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. I found that under section 605b ( a ) XXXX, Equifax, and XXXX shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$3700.00}, XXXXXXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance : {$3100.00}, XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}, and XXXXXXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-05-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

You are in violation for reporting an unverified account on my credit report. I am not the owner of account XXXX XXXX XXXX XXXX XXXX. I submitted a BBB complaint notifying you of this inaccuracy and submitted an FTC report which was submitted via XXXX. My FTC report number is XXXX. I did not authorize this account to be taken out in my name nor does it relate to anything I did. Furthermore, under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. As a consumer by law this account must be deleted immediately, or I will seek monetary damages in small claims court in my city and state.
Consumer complaint received 2022-12-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (IL)

Commencing on or around XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX which involved me making deposits for a total amount of XXXX USD that equal XXXX XXXX from my Cash App account to fraudulent investment firm
Consumer complaint received 2024-07-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (ND)

Bank of America first started placing holds on transactions in which I was transferring funds from my Bank of America account to my other checking accounts with different banks. They then placed hold on transfers to my mother. They then froze my online access to my account. They won't discuss the matter with me because I am unable to validate their security. I asked that my debit card be cancelled as it was lost or stolen and they refused to do this. In short, they froze or cancelled my transfers, locked me out of my online access, and refuse to discuss anything with me or cancel my lost debit card.
Consumer complaint received 2022-12-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (TX)

On multiple occasions spanning from XX/XX/2022 to XX/XX/2022 I submitted evidence and requested a refund from Cash App aka Square Inc. for ( 2 ) {$1200.00} disputed online transactions that I never received the product or service for. Cash App denied my dispute on XXXX XXXX and XXXX based on the reason that no error occurred which was not the type of dispute that I filed. I refiled the disputes and submitted the same evidence and Cash App is still saying no error occurred to a Consumer that didn't get the product and/or services that was paid for. 
Dear : Cash App I am contacting you demanding a refund of [ {$2500.00} ] for ( 2 ) disputed transactions that I have not received the product or service for from a merchant XXXX XXXX XXXX ) that you have on your platform. I am attempting to resolve this out of court, but if I can not come to an agreement of getting refunded, I intend to sue. 
Here is a statement of my case that I intend to submit to the court : I entered into an agreement on XX/XX/2022 and XX/XX/2022 with XXXX XXXX XXXX XXXX  aka XXXX XXXX  that stated they would provide a XXXX XXXX XXXX offer that would include XXXX. XXXX. The agreement stated Church On XXXX XXXX aka XXXX XXXX  would have these properties by XX/XX/2022. XXXX XXXX XXXX XXXXXXXX aka XXXX XXXX  have not provided any XXXX. XXXX or mentions XXXX. XXXX at all anymore. As per the terms of the agreement I paid XXXX XXXX XXXX XXXX  aka XXXX XXXX  which billed me as XXXX XXXX through Cash App {$1200.00} x ( 2 ) in advance so they could supply my XXXX XXXX XXXX. XXXX. I am now demanding {$2500.00} from XXXXXXXX XXXX XXXX  XXXX aka XXXX XXXX  for breaking our agreement.
Consumer complaint received 2024-05-31
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. (IN)

I was a victim of identity theft and I am currently in XXXX and suffering from XXXX because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from.
Consumer complaint received 2022-12-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (MA)

On XX/XX/2022 I used a XXXX XXXX XXXX ATM located on XXXX XXXX in XXXX Ma. I attempted to withdraw {$200.00} from my Cashapp account. The ATM did not dispense the money but instead a receipt stating the ATM encountered an error and the transaction had been reversed on their end. Upon checking my cashapp account the funds were debited from the account in the amount of {$200.00}. I reached out to both companies and XXXX XXXX XXXX was extremely helpful even having an ATM technician call me on the following Saturday. Since the account itself was not a cashapp and the transaction was already reversed on their end there wasn't much they could do beyond that. Cashapp on the other hand, did not even have a customer service phone number and only offer support through a chat service. The chat service was frustrating to say the least. It was hard to determine if I was speaking to a robot or staff that really didn't care about my situation. At the end of our conversation I was told a ticket for the transaction had been submitted and escalated. I was told it could take up to XXXX calendar days to refund my money. I explained how XXXX dollars is a lot of money for a single mother of XXXX and waiting XXXX days to recover my funds was going to impact our livelihood. I asked why it would take so long when the transaction was already reversed by the ATM. Each time I got a generic automated reply asking if there was anything else I needed help with. With no other options I have waited the alloted XXXX days and have not been reimbursed or even contacted.
Consumer complaint received 2023-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc. (CA)

XX/XX/23 : I contacted Comenity Capital Bank to request direct deposit of my {$320.00} earned cash back rewards. Spoke with XXXX. 

He then conferenced in XXXX, who asked me to verify my cell # so she could send a confirmation text. She then stated " it wouldn't let her send the text '', with no other explanation, and then said the direct deposit could not be performed. I asked her and XXXX to identify how Comenity planned to resolve, since i was able to receive text messages and was, in fact, speaking to them on that phone number. 

XXXX referred back to XXXX, who said he would consult a supervisor and XXXX left the call. 

XXXX consulted a supervisor who refused to speak with me, and said he was told I would have to call back on Monday. I said that was not acceptable and I asked to speak with the supervisor. 

After much back-and-forth, XXXX referred me to a different supervisor, XXXX, who stated there was " information they could not verify '', but he " couldn't tell me what it was. '' I was told I would have to call back Monday and XXXX can resolve it for me then. 

I believe Comenity is refusing to disperse my earned cash back reward.
Consumer complaint received 2023-03-10
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: NAVY FEDERAL CREDIT UNION (GA)

In accordance with the fair credit Reporting act Navy Federal Account has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer must furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2023-11-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (NY)

I am writing to express my profound distress and dissatisfaction concerning the unexplained closure of my account on XX/XX/XXXX. Upon noticing the closure, I immediately sought clarification from a local banker who, regrettably, could not provide any reason for this action. 

Subsequently, after approximately ten phone calls to your customer service, I was informed that the closure was due to a transaction suspected of fraud. I wish to clarify that this transaction was a transfer from a friend whose credit card had been compromised. He was in the process of canceling the card and moving to another country, thus, he transferred the remaining balance to me. I firmly believe that no laws or regulations were breached on my part during this transaction. 

Each interaction with your account closure department has resulted in varying and inconsistent responses. On some occasions, I was told that my funds had been sent out ; other times, I was advised to present documentation at my local branch to prove the legality of my funds. However, upon visiting the branch, the local bankers were unable to find any channel to upload such documentation. I was even asked to fill out a form that does not exist, and sometimes, I was simply told to await further communication. 

This back-and-forth between phone service representatives and bank visits has happened around five or six times. The latest contact ended with the information that the investigation is ongoing and without any concrete timeline for the return of my deposits. 

I am left with critical questions : On what grounds are my funds being withheld? If an investigation is necessary, why is there no direct line of communication for submitting proof and evidence? It is unacceptable for the bank to retain my funds indefinitely, extending the timeline at their discretion. What if these were all my savings? How am I expected to survive without them? 

I urge you to address this matter with the utmost urgency. Please provide a direct channel for communication and a definitive timeline for the resolution and return of my funds. I await your prompt and positive response.
Consumer complaint received 2022-12-05
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Block, Inc. (CA)

I am having issues with my Cash App Account that my SSA direct payments go into, which can not be resolved by Cash App or their Support Team. On several different occasions money has been paid out of my account for purchases I never authorized or received. When contacting Cash App Support via phone or through On line chat I was informed that, Cash App has no information on the Merchant 's Information for me to contact that was paid out of my account. Therefore making it difficult for me to dispute transactions or be reimbursed for the Fraudulent charges taken out of my account. When disputing transactions I was denied being reimbursed for funds taken fraudulently, although it was clearly a glitch within " Cash Apps platform and not on my part. Here are the dates and charges that I have never been given any information on to dispute with Merchant 's or was denied being reimbursed for : XX/XX/2022 XXXX payments made with only XXXX pin verification code entered for & XXXX twice at exactly the same time XXXXXXXX XXXX although Cash App doesn't offer that type of payment being made in their system. XX/XX/2022 paid {$90.00} to fraudulent person claiming to be my Sister on Messenger needing Xmas money for my XXXX XXXX XXXX XXXXXXXX Stated her Cash App card was lost and could I send through her friend 's account which I did. Found out she had been hacked and person posing as her along with other people 's identifies, to steal money through Cash App platform. I alerted Cash App Personal immediately to Scam yet never heard anything back about the Scam or received my money transferred to fraudulent account within the Cash App. Structure. XXXX XXXX {$100.00} paid XX/XX/2022 without my authorization, XX/XX/2022 XXXX XXXX paid {$100.00} without my consent don't even know such a person. Was told my pin was entered at time of payment, therefore I am responsible although I didn't know that person or send the payment with my knowledge. Those are just a few out of many others that have been paid without my consent, knowledge or authorization. Are these common practice 's of all Financial Institutes or are they in violation of the laws that the FDIC and OCC have put in place in order to protect consumers from these type of practices?
Consumer complaint received 2023-10-21
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. (MA)

I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2022-12-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (IN)

Hi. I made a {$200.00} on XX/XX/XXXX to XXXX XXXX  to purchase a ferret from his website furryqueens.com. He later said he didnt receive the payment and asked for proof, I sent him proof. He sent contract and I signed, and was supposed to ship the ferret today. He emailed me and said that I would have to pay {$500.00} for an electronic cage for him to be shipped overseas. The website said theyre based in Texas.. And I dont need to purchase an electronic cage. Its sad and ridiculous someone would just take someones money when I was buying that for a XXXX gift for my daughter who has been battling XXXX. I requested a refund and XXXX XXXX declined it. I told cash app about this and they said there is nothing they can do about it and that they can not help me any further. I have contacted them XXXX and they say the same thing. Both myself and the scam artist I sent my money to use cash app. I dont see how they can not do anything about it being that this is completely 100 % a sad situation that I got scammed.
Consumer complaint received 2022-12-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (GA)

Cash app has let numerous of negligent attempts of people stealing my money as my bank account is attached to cash app. Cash app has let people attach themselves to my account as if I added them but the account stays hacked through cash app. I repeatedly have reported this to the FTC and XXXX  about cash app as well. The person that is in my account has been stealing money since XXXX u til now and there has yet bern anything done about this problem from cash app and it is now XXXX this person has now stolen {$300.00} of my XXXX check. I am depressed about this and I will be pursuing a lawsuit against cash app and I have filed a police report against the person plus cash app letting this continue to happen. I need some help on this matter immediately and I know I am nit the only person going through this with cash app. Cash app have the evidence that the person has been logging on from another device and another location. This is why I am going to pursue a lawsuit against cash app. Cash app is not a trustworthy company when it comes to protecting your money and privacy it is not safe putting your personal information with their business. They let scammers steal your money and let the scammers authorize the person account and believe the scammers word over the person account which is not understandable. Please help me to file charges against cash app and to shut their company down their not responsible at all to handle customers finances at all.
Consumer complaint received 2023-10-20
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (TX)

I never signed any paperwork with this company. They don't have my signature on any paperwork with this company. They can't provide it and of they do it has been fraudulently done.. 

XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2022-12-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Block, Inc. (FL)

I have an issue with Cash App. They charged me fees and made my account go negative for a transaction that occurred on XX/XX/XXXX. On XX/XX/XXXX, and for the next 2 days, there were sufficient funds in my account to cover the transaction, however, they waited 3 days to attempt to collect it from my XXXX  XXXX XXXX account, when there was no longer any money in the account. Therefore causing me to be negative. None of which was displayed on any of the recent transactions they had posted on my account page. I made XXXX deposits and XXXX other transactions between the time I sent the {$50.00}, reasonably thinking that the {$50.00} had been deducted from my bank account at that time, seeing as how my bank account showed that it had been taken out at that time. There was Nothing to indicate that they had waited and didnt attempt to take it until 3 days later, so having made deposits, sent money, amongst other transactions between the XXXX and the XXXX when the {$100.00} was sent to me there was nothing that would indicate to me that they were about to hijack almost all of it! and then when I had {$100.00} transferred into my account on XX/XX/XXXX, they took {$66.00} of it, again, never disclosing why, what for, or anything! There were no negative transaction posts, nothing notifying me how I went from {$100.00} to {$34.00} with no transactions in between to indicate what happened. So to anyone looking at the account transactions, it shows a {$100.00} deposit, and then a balance of {$34.00}. With no explanation of where the {$66.00} went. When I called, the man told me that with XXXX transfers, they can take 1-3 business days to complete, again, not disclosed in any way, and again, at the time of the transaction, it shows the amount deducted from my bank account, and the amount deposited into the cash app account, and then all of my following transactions afterwards! Never giving me any clue that I was spending money i didnt know that I didnt have! And seeing as how cash app is an instant money transfer app, that doesnt do overdrafts, how is it that they can allow you to spend money that they havent collected for you to spend!? Its setting people up for failure! Its not right, and they should be held accountable for non disclosure. I asked to speak to a supervisor and was told that I can not speak to one on the phone, that they will only communicate via email, which I think is asinine. I now have no money, and XXXX kids to take care of, and while {$66.00} is nothing to most people, its literally everything to me right now! Im super disappointed that cash app, a company that I have used for so long and trusted, and have never had this issue with before, is now for some reason screwing people out of money and setting their customers up for failure!