davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc. (IL)

XXXX XXXX- XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. All these transactions occurred on the same date XX/XX/XXXX. I contacted Cashapp several times through their app and they refused to refund the money that was taken from both of my accounts due to the scam. I contacted XXXX regarding both of my checking accounts that were connected to my XXXX cashapp accounts and they refused to refund the money that was stolen due to the scam. I was told since they were my accounts and I've done transactions in the past they denied my request despite how I told them the process that the scammer used to get into my accounts.
Consumer complaint received 2024-04-02
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: FIRSTBANK PUERTO RICO (PR)

Reference is made to a previous Complaint XXXX. 

In early XXXX, the First Bank of Puerto Rico contacted me about my car loan payments that had fallen behind. Despite being informed of the reason for the delay, I received multiple calls from the bank within a short period, as per the official phone records attached ( exaggerated as 3 calls within 5 minutes ) from their number XXXX. Their actions were intrusive and harassing, and I refuse to tolerate such behavior. Unfortunately, their response did not provide a satisfactory resolution, and I am disappointed that their communication strategies were less than subpar. Their malpractice had a significant impact on my credit report and well-being, and I was unable to work and make payments as a result. However, I am confident that the CFPB will assist fairly and satisfactorily. I will not be intimidated by their previous tactics.
Consumer complaint received 2023-02-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF THE WEST (CA)

I recently cashed a check for my sister which ended up bouncing causing my account to go negative after I already gave her the funds. I deposited money, well enough to pay back the negative funds and then bank of the west locks my account. I call and they tell me to go to a branch and the branch says I need to call. So now I'm stuck with my money in a bank that apparently doesn't know what to do with me.
Consumer complaint received 2023-12-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (IL)

Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.
Consumer complaint received 2020-07-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc. (GA)

I have been having issues with Cash app since XXXX. It started with me sending {$280.00} to a wrong account belonging to my daughter. That issue lasted a month. My daughter finally was able to send it back to my account in XXXX. Cash app only gave her {$270.00} and that is the amount she sent back to me. I received a replacement card for my account on XX/XX/2020. I attempted to use the card on XXXX XXXX. The card was declined. Several more times after that, I attempted to use the card. It continued to be declined. Then I reviewed the card against the information on the app. The card showed a different CVV number and a different expiration number on the card than what was on my account. I discovered that this is the reason why my card kept getting declined. So, I immediately reported the card lost and the app locked the card and sent out another one. I have just received my new card. I reviewed the card itself with the new information that is on my app for the new card.. The same issue is true with the new card that I just received today. The account number is correct ; but the CVV number and the expiration number is different than what is on the card. The card will be declined when I attempt to use the card. Cash app is deliberately sending my cards that I can not use to access my funds. Then if I use it and it declines, then they will lock my account in order for them to investigate. Cash app is getting a little of my money at a time and constantly locking my account. My money is not available to me at this time. My account is locked because cash app locked it.
Consumer complaint received 2019-08-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc. (MD)

11 taxpayers paid their tax returns preparation fee through CashApp for a total of $XXXX that I never received. When I noticed I make inquiries through App and received a message that my account was closed for violating the terms. The specific violation was not given to me. Never the less, I followed the instructions to cash my stored balance and it never worked by using a bank account I did not use before; but the message was that the new account was unable to be linked.I sent a letter to the company below in XXXX and I have not received any answer Cash AppXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2020-07-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (NJ)

I direct deposited some money onto my cashapp account. In order to send to family members who are affected by covid 19 and are struggling. They then wouldnt let me send money stating my account has been temporarily locked for 24 hours. I waited the next day and it said the same thing. The next day I tried to link my bank card to my cashapp to retrieve my money because my family are in need. And it wouldnt let me stating my account is temporarily locked for 24 hours. I then emailed them and no response. The next day I emailed them again to unlock my account and nothing. I then tried to go to the bank to pull out my money and it wouldnt let me. So basically my funds are sitting there frozen. I have family members who depend on me I dont have time for this. My account has been locked for three days. I emailed them 4 times and no reply.
Consumer complaint received 2023-02-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting Act, XXXX with the account XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX account name XXXX XXXX has violated my rights according to 15 usc 1681 section 602 8 states I have a right to privacy 16 usc 1681 section 604 a section 2. I also state a consumer reporting agency can not furnish your aacount without my written instructions.
Consumer complaint received 2023-02-25
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. (NY)

In accordance with the Fair Credit Reporting Act XXXX XXXX  # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A states I have rights to my privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting can not furnish a account without my written instructions.
Consumer complaint received 2023-03-21
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXXXXXX 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 2022-12-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the identity theft report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account.
Consumer complaint received 2022-10-27
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: EQUIFAX, INC. (WV)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-04-19
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (CA)

Care credit is trying to charge me interest on a paid card. I contacted them to pay the balance before my XXXX  month promotion was over. 
I contacted them about the balance and they said it was only a XXXX  month promotion. That is not what I was told when signing the contract at the dentist office where I applied for credit. I was told it was a XXXX  month promo. 
I called care credit and explained and asked for a copy of the contract. They claimed it was only XXXX  months and I had to call the XXXX  office. I did not sign a contract with the dentist it was with care credit. 
they refused. 
I asked to speak to collections and made an agreement and payment of the balance without the extra interest fees. 
The balance of money owed was {$1800.00}. I settled with the collections by making that payment and then they refused to remove the interest I was NOT to be charged. I payed it off within the year. 
They send me several letters and call me all day long. 
I have talked to them and they refuse to take the interest off and keep charging me late fees. I paid the balance with credit card collections and they continue to charge me interest only.
Consumer complaint received 2020-07-08
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Block, Inc. (CA)

Cash app is holding my money and locked my account. Ive been sending e-mails for 4 days now and no response. From what Ive heard from other people is that they lock the account and keep the money. I cant even pay my bills or buy food!
Consumer complaint received 2023-12-12
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. (KS)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-12-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XX/XX/2022 I obtainted a new XXXX XXXX with XXXX credit which made a legal inquiry on my report, somehow, all these other inquiries were made which i did not apporve of, I have tried disputing these through the credit bureaus but not getting anywhere. 

- XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX unsure why this is showing twice - XXXX of XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (WV)

also the phone number on this account is incorrect because I am no longer XXXX my new number is XXXX thank you could you please update I downloaded an application called VENMO onto my phone because Im playing be online card games. You have to have this application or PayPal before you can receive any of the money that you win. I did not up on this application as you can tell by the screenshots attached, I received an email from XXXX stating that there was fraudulent activity and my card was locked. I asked them what type of fraudulent activity and sent them the emails stating that I had not even access the application or set it up. I have not applied for a Card. I have not attached my bank card. He refuses to tell me what kind of fraudulent activity, just want to investigate for three or four days and you can see the attached emailsTheyve been wanted me to upload my identification ID and all these other things when I didnt even set anything up yet I dont know why when Im telling them that I havent even set up anything because I wouldve had to upload that to set it up anyways Ive set up previous online account and they ask for my ID so I know I havent set it up yet so what kind of fraudulent activity on there they will not tell me photos are emails from company emails from me screen shots of application
Consumer complaint received 2020-07-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Block, Inc. (FL)

My mom XXXX XXXX worked remotely for XXXX XXXX, a company in texas 2 years ago. She did not own or have any financial interest in that company. 

My brother and I, XXXX and XXXX XXXX are Florida XXXX XXXX XXXX and own 100 % of XXXX XXXX XXXX, XXXX. We processed a payment from a customer using Square for XXXX and Square withheld XXXX to pay a debt owed them by the company in Texas, XXXX. 

Weve explained and provided documents showing that myself and my brother, XXXX and XXXX, and XXXX XXXX have no relationship and never have with XXXX, and that our mother, XXXX does not have any financial interest in our XXXX XXXX, but they refuse to listen and are taking money as a debt collector for a company we have nothing to do with. Please help
Consumer complaint received 2024-05-19
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (IA)

CareCredit through Synchrony Bank was used to finance my hearing aid. My monthly bill was always due on the XXXX. I knew I had until XXXX of 2024, to pay off the balance of {$300.00} as that would be the one year of the interest free promotion. However, rather than the last day to pay the promotion being on the XXXX ( the billing date used for 11 months ), the payment was due earlier in the month on XX/XX/XXXX. Therefore, I missed the deadline to pay without the interest being added. It was a sizable amount over {$600.00} for added interest. I did not receive a separate email saying this payment would be due on XX/XX/XXXX. I only received an email regarding my normal due date of XX/XX/XXXX. 

I feel this is a very misleading practice as it creates a different due date than the date used for the other 11 months. This practice does not happen with other promotions that I've used for interest free payments plans. In these cases ( XXXX XXXX XXXX ), the due date for the promotion payments stay the same as all previous due dates so the consumer is not blindsided at the end of the promotion. It seems like a deliberate trap by CareCredit to give consumers a different promotion pay off date that is earlier in the month than their typical payment due date. 

The Promotion Terms did not include any dates for the end payment. I did finally find it on the statements on the second page when I looked at them in more depth on XX/XX/XXXX since I was confused about the larger payment due. I find the website to be a bit confusing and difficult to navigate. I did spend more time trying to find out why my payment was higher than expected and finally found the XX/XX/XXXX deadline in smaller print on the second pages of the statements. I don't believe customers should have to search so much for the different date and I feel it is a deliberate practice to create confusion and to trick customers into missing the final promotion due date. 

I received electronic notices of payment due dates for the XXXX of each month. However, no email was sent for the XX/XX/XXXX promotion deadline. On XX/XX/XXXX, I received an email with the monthly statement that included the interest charge. However, this went to spam since it was the only statement email I received during the promotion. I also received an email on XX/XX/XXXX saying my terms had changed. Again, this went to spam and was not seen until just now. This too seems like a deliberate trap to only notify customers after they missed the earlier due date for the last month 's payment of the promotion.
Consumer complaint received 2024-05-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (NV)

This complaint is about my Chase account ending in XXXX. 
I've had this checking account for many years. 
A couple of years ago I linked an external business account with XXXXXXXX XXXXXXXX that belongs to me, so that I can transfer funds back and fourth between my Chase account and my business account at XXXXXXXX XXXX. In order to link the account I had to verify two small deposit amounts and it took a couple of days. 
Since then, over the last two years, I have transferred funds back and fourth between my Chase account and my XXXX account, without any problems. 
A week ago I initiated another transfer of {$3500.00} from my XXXX account to my Chase account. later that evening I got a call from Chase at around XXXX, I missed the call but called right back and asked why did they call me, the representative didn't know, I mentioned that I had a transfer in progress so maybe that's the reason, he transferred me to the money transfer team at Chase. 
The representative from the money transfer team said that they weren't able to verify the account ownership so they canceled the transfer and advised me to try again. 
I tried transferring again but couldn't because Chase de-linked my XXXX account from my Chase profile. So I went ahead and re-linked the account, it took a couple of days as I had to verify two small deposits. 
After I re-linked the account, I initiated another transfer ( yesterday, XX/XX/year> ) for {$3000.00}. Today I got a call from Chase, the representative asked me if I'm XXXX XXXX and I said yes, then he hung up. I called right back and asked to speak to the money transfer team because I assumed they called to verify information for my transfer, and I offered to verify anything needed. The representative refused to try to verify the account ownership and just said they couldn't verify, I explained to her that they called me to verify but hung up before talking to me, she did not care at all and refused to help me, I requested to escalate but hit a wall. 
This is very frustrating because I rely on my Chase account as my primary account and I used it to transfer funds, the inability to do so hurts my financial life, and it resulted from of Chase 's incompetency and their failure to perform basic servicing tasks such as funds transfers and phone verifications.
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. 

Account name : XXXX XXXXXXXX, Account name XXXX XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, 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 inaccu
rate.
Consumer complaint received 2024-07-17
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Automated Collection Services, Inc. (AZ)

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 that I have the right to privacy. 15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 15 U.S.C. 1681 c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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.