davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-25
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: EQUIFAX, INC. (OH)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-08-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc. (NC)

Cashapp won't give me access to my account or funds. I was expecting a {$15000.00} deposit into my cashapp on XX/XX/2023. When I went to check my cashapp was logged out and I couldn't login. I need to see my XXXX statement of all incoming and outgoing transactions. And I need to know if the {$15000.00} deposit is in my account and I would like access to my funds immediately. Cashapp is violating many federal laws by withholding all this information from me. It's my account and I need to know what's going on thankyou. XXXX XXXXXXXX email linked to cashapp : XXXX.
Consumer complaint received 2020-06-06
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (OH)

I use PNC Bank for my XXXX banking and XXXX  for accounting services. PNC will not allow XXXX access to bank account information for accurate record keeping. This has never been an issue in 2 years since I started using both of these services.
Consumer complaint received 2023-03-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCS, Inc (NE)

Ive been told I owe XXXX to a XXXX XXXX XXXX by NCS inc. Ive already told them on the phone and written letter that it is not my debt and most likely an accounting error. Ive asked them to stop harassing me over the reported debt because it is not mine. I recieved a statement from the creditor showing past purchases with amounts and dates. The statement also defends my claim that the amount is not mine and couldnt possibly be mine. All transactions leading up to the final amount which is disputed took place on a Tuesday. The day he came to our shop on his designated route. Was a Tuesday. All transactions that took place were paid in full the day of the transaction. The disputed transaction which occurred on a random Friday was also not paid for. My payment history and the transaction day of week history is more then enough to prove this debt was and is not mine. We would have never done business on a Friday. And since I had a COD account I would have never been able to charge an amount. Ive explained this to the collection service and asked them to stop harassing me and they still continue to call and send me letters threatening to damage my credit if I do not pay.
Consumer complaint received 2023-07-25
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. (FL)

It has been drawn out into the fraudulent that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending these Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY, XXXX XXXX XXXX XXXX, XXXX, RI, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Block, Inc. (IN)

A square Inc. card reader was received in the mail a couple of months ago. Unable to send back as the address is very generic. On XXXX, a debit Mastercard was received in the mail. A call was made on XXXX to Square Inc. to advise this was not ordered or opened by myself and requested the account closed. The representative would only say they will escalate it and let us know
Consumer complaint received 2023-07-24
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: EQUIFAX, INC. (CO)

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency 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 by such agency of ( 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 following items need to be removed and blocked as they are fraudulent. 


1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX Account Number : 2022 Delete this account. 

2. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

3. 15 US-CODE 16921 XXXX XXXX XXXX  Account Number : XXXX Delete this account. 


4. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 


5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.
Consumer complaint received 2020-08-02
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: BARCLAYS BANK DELAWARE (IL)

Today XX/XX/2020, I received an email at XXXX XXXX from Barclay thanking me for transferring my reward points to my UberApp. However, I did NOT transfer those points, I was asleep. 

I talked to a customer service representative via Barclay 's online chat service and was informed the company updated its terms of service so that beginning in XX/XX/2020, points may only be used on Uber services and that points are automatically transferred at {$50.00} to my UberApp. 

I've been a card-member for over 2 years and this is the last straw. This 100 % unacceptable. Barclay 's business practices are fraudulent, as this isn't the first time they've done something like this. 

Under the original terms of service, the terms they advertised and marketed that made the card appealing to me to begin with, points earned at restaurants and bars were 4 % cash back and all points could be redeemed for cash or credit to the account or uber cash. 2.5 years later, all of sudden bars and restaurants are worth 3 %, while the uberapp is worth 5 % ( something I don't use on a regular basis ) and all of my points I racked up over the years that I thought I was saving to be redeemed for cash, can now only be used on the UberApp, something I don't really use. 

This is bait and switch behavior and fraud. I asked the Barclay representative for a corporate office number to call and she said there was no number that I could call. I asked that a check be sent to me for the rewards points that I had earned, she said she could not do that. Unacceptable. After I indicated I would be filing a complaint, she told me a manager will contact me in 24-48 hours.
Consumer complaint received 2023-07-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I am a victim of identity theft. An unknown entity keeps opening up bank accounts with my name, address, birth date and social security number. Funds are being taken or removed from my checking account with citizens bank and deposited in a bank I have no business with.
Consumer complaint received 2019-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: BBVA FINANCIAL CORPORATION (GA)

I have been denied several checking accounts due to information that I believe to be related to identity theft on this report. When I requested a copy of the report on XX/XX/2019 I was told that i did not pass the authentication with the operator even though I supplied them with an address that I have resided at for over 4 years. I was then told to go online to print out a request then mail it in and that from the time they receive it to give an additional 15 days to receive the report. Due to the sensitivity of this issue potentially being an identity theft issue I feel as though this matter should have been escalated to prevent any further harm being done to me.
Consumer complaint received 2019-01-03
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (IL)

I am filing a complaint to Chase Bank in regards to the response that I received from the bank for initiating a refund process for unauthorized transactions of amount {$790.00} from my checking account. I appreciate their response to my complaint, but the response didn't address my issue as well as it didn't help me finding a solution. 

As their response ( attached document ), the Chase Bank sent me a 30-page booklet of " Deposit Account Agreement Privacy Notice How to Contact Us '' and a general explanation of 60 days time frame of claiming a refund. 

The amount of {$790.00} of unauthorized transactions happened between XX/XX/XXXX and XX/XX/XXXX. I immediately contacted the bank and filed a claim according when I first noticed those transactions on my bank statement on XX/XX/XXXX. So, all those unauthorized transactions happened within the past 60 days since I filed the claim. 

The bank in their response didn't address those transactions. However, they mentioned a transaction happened in XX/XX/XXXX. Unfortunately, they didn't explain enough how the XXXX transaction got linked with the unauthorized transactions. 

Again, Chase Bank 's response by sending some printed legal terms and general information didn't help me to find a solution. I would sincerely appeal to the bank to initiate a refund process so that the party/company who got the {$790.00} of unauthorized transactions can refund the amount. 

I've been with this bank for more than 20 years- I opened the account with the then XXXX XXXX/XXXX  XXXX. I hope that the bank would consider the suffering of a small account holder like me where {$790.00} is a big deal. 

Thank you,
Consumer complaint received 2020-08-02
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: GOLDMAN SACHS BANK USA (AL)

This company is reporting an account on my credit report that is not mines i am a victim of identity theft.Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor.I disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
Consumer complaint received 2023-08-15
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (FL)

My current mobile device was completely damaged so I could not my access my cash app account after XXXX on XX/XX/XXXX there was a XXXX XXXX XXXX  on my card I transferred from my bank acct until I received my new debit card when I had access after the phone was damaged I could get in the app my phone could not use text so I used my email the code never came I tried this process all weekend Monday XX/XX/XXXX I contacted cash app support they tried gaining access still no code never came so rep told me to create a new account with a different number and they can transfer the balance I did an when I called back they kept trying to access the account and there were still no codes coming to my email then they sent me a text saying that cant access it an there keeping my funds see terms an conditions with no further information
Consumer complaint received 2023-07-26
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: EQUIFAX, INC. (GA)

I noticed an inquiry on my report I didnt authorize fromXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XXXX of XXXX. I contacted the dealership multiple times informing them of the inquiry and they would not explain or provide anything to verify it was done by me. They then contacted me asking if I wanted to buy a vehicle when I sent the demand letter and were very ignorant laughing at me.
Consumer complaint received 2019-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (VA)

I submitted a complaint on XX/XX/2018 ( Reference : XXXX ). They said that emailed me a Credit Score, but I never got it. And still companies can not retrieve my credit score from Equifax.
Consumer complaint received 2022-07-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (NC)

In felony criminal retaliation for me filing a CFPB complaint with the intent to criminally obstruct a CFPB investigation, Chase froze a XXXX transaction to a lawful and legitimate bank account registered with XXXX with no legitimate explanation aside from attempting to intimidate me for filing a complaint with the CFPB
Consumer complaint received 2019-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (IL)

I was married for 20 years and used a hyphen with my last name. Because computer systems don't accept hyphens, my name appeared in a multitude of inaccuracies on credit reports. I have been divorced for nine years and have returned to my maiden name. All open accounts are under my current name. Through the month of XXXX I have been on websites, made phone calls and sent proof of identification to all three major credit reporting agencies. The goal was to remove all names but the name I have held for the last nine year. Two attempts have been made to get credit cards under one of the inaccurate names. The credit reporting agencies are reluctant to remove names because of past credit attached to those names. However, some of those inaccurate names have no credit attached to them. My social security card has only ever had two names associated with it. For agencies that are supposed to protect us, they allow an awful lot of false information. One report had phone numbers associated with my account that I have never had or provided to the agencies. I have had one employer since 1982 and yet I had the Soc. Sec. Admin., a collision repair company and an individual listed on my report as employers. One agency told me that if a past creditor wants to make an inquiry under one of the former ( inaccurate ) names, that the inaccurate name can be added to the report again. And, as if that weren't bad enough, it would be up to me to contact each company making the inquiry to correct my name. No agency told me about opting out of such inquires. I found the opt-out information on General Summary of Rights Under the FCRA. Unfortunately, I'm not sure that it worked or helped in eliminating inaccurate information. I repeated my address about ten times and the best I could do was get XXXX XXXX from the system, when it really should have been XXXX XXXX XXXX. Unfortunately, no option to speak to a person was ever offered. My complaint is not necessarily with one company, it is more with the system that has allowed these companies to charge for services to prevent fraud and yet they assist with the commission of fraud by not doing their due diligence in making sure that inaccurate information in never allowed on a credit report. Aside from me spending one month every year correcting inaccurate information on my profile with each credit reporting agency, what other options do I have?
Consumer complaint received 2018-08-24
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Alliant Capital Management LLC (TX)

Company calls my cell phone and BUSINESS phone. Company leaves a voicemail on my cell but not my business phone. Asking to call back at XXXX regarding an urgent business matter or else. It does not list a company name and when I call the number back, the phone number is for a voicemail for Alliant Capital Management, XXXX XXXX.
Consumer complaint received 2019-03-13
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: AMERICAN EXPRESS COMPANY (CA)

I applied and was approved for the American Express Delta Gold Business card  on XX/XX/XXXX. The terms under which I applied were a welcome bonus of XXXX Delta Skymiles for reaching {$3000.00} in purchases within 4 months which I did complete on XX/XX/XXXX. Weeks passed and the XXXX miles never posted so I contacted them via online chat on XX/XX/XXXX and they opened an investigation into the matter. I never heard back so I did another online chat on XX/XX/XXXX and was told I wouldn't receive the bonus " due to incentive bonus offer misuse history ''. I had never been warned/notified of this before/during/after the application process. I feel I don't have a history of misuse with Amex and I'm frustrated that they haven't lived up to their end of the deal when they approved me for their card.
Consumer complaint received 2022-07-11
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. (AL)

on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax data breach/identity theft and may have got into the hands of the wrong person.
Consumer complaint received 2023-08-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc. (IL)

I transferred money from my cash app to my XXXX XXXX account. XXXX XXXX advised cash app reversed the transaction and has the money. Cash app refused to look into this case and denied my claim 2 mins later without looking into it. I wasnt even done uploading my bank screenshots or the letter from my bank advising they reversed the funds and I got a notification my dispute is denied and will not be looked into. 

Legal name : XXXX XXXX Cash tag $ XXXX Email XXXX Phone number : XXXX I had a cash out of {$300.00}, I was charged {$5.00} and Deposit amount {$300.00}. XXXX XXXXXXXX is advising cash app reversed the funds and did not deposit to my account. 
Transaction was an instant transfer XX/XX/2023 at XXXXXXXX XXXX 
I have no idea why cash app would reverse funds, but my bank was not able to keep Them and this is not an instant transfer as I paid for. 

They also advised they they can not do anything with a transaction ID as that is you all proof and they cant pull cash app info using their system. They advised you will need to provide a trace number in order for them to see the reason why the transaction was reversed. They also advised since you all did the reverse you should be able to use your own transaction ID to see you reversed it. I feel like Im am doing all the work here and just being pushed off by cash app. I need to know why you are holding my funds and not releasing them to my bank account or showing in my balance. And I also want reimbursement for the instant fee as cash app did not instantly deposit my funds.