davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (FL)

I have been using the cash app website for a while. I use it to do many transactions. One day I had a transaction where I went to a gas station charge {$20.00}. It did not go through. I didnt charge it again and it went through. The next day my cash app account was suspended and I dont know why. When I called them up and asked, they told me that, I violated their terms of service. I have no idea what they were talking about. They told me that they would provide me with the information. I told them to please let me know quickly Id never did anything and what terms I violated. I told them that Ive had some fraud in my account in the last few months actually in the last XXXX or XXXX months and I wanted to know whats going on. They told me XXXX days ago that they would get back to me and they never did my case XXXX. Cash app is affecting the way I do my business and I get my monies. I am a senior citizen, XXXX XXXX XXXX and I should not be treated this way, especially by a public company. They are frustrating me and delaying me and keep telling me the same thing that the case is open and they will get back to me. Why doesnt Cash App have anybody to answer to then just treat customers like Garbage
Consumer complaint received 2024-10-14
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (IL)

In accordance with the fair credit report act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX 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 : States a Consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer report agency may Make any consumer report containing any of the following items of information. Any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-10-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

My personal checking account has been restricted, because of a ppp loan from XX/XX/2021 I am an independent contractor and was question by the Chase Fraud Investigator why this ppp loan went into my personal account and not my business account. On XX/XX/2021 spoke with Chase Fraud Investigator she told me to bring in my paperwork supporting my ppp funds. On XX/XX/2021 I took the requested documents to Chase to be email to the Fraud investigator. XX/XX/2021 I called her and she said she received my paperwork but then said she has up to 60 days to do her investigation
Consumer complaint received 2017-08-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (OH)

On XXXX XXXX 2017 at XXXX Eastern I cashed out my bitcoin wallet from Coinbase.com. I received confirmation XXXX. It has been 13 days and I still have not had the money deposited into my bank account. Additionally, I have sent them two messages following up on this and have not gotten any response. This company seems to be scamming me and the least they could do is respond and let me know where my money is. It only took 1 day for them to get my money, it should n't take this long to give it back.
Consumer complaint received 2017-04-19
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

This issue has been with the CFPB many times ( numeral time ) and hopefully this time I 'm requesting a Federal Investigation do to the fact, th at PENNYMAC has  submitted fraudulent documentation to the UNITED STATES BANKRUPTCY COURT  XXXX  DISTRICT OF FLORIDA, this it 's not only criminal offense, but it 's attempts to the defraud the UNITED STATES, UNITED STAT ES DEPT OF TRESAURY, HUD, OCC AND  MANY ORDERS.   IN addition under the STATE OF FLORIDA AND UNITED ST ATES AMERICAN BAR ASSOCIATION AND FLORIDA BA, , ITS A CLEAR VALIDATION OF FLORIDA  RULE 4-3.3 CAN DOR TOWARD THE TRIBUNAL.
Consumer complaint received 2020-07-11
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: Medical Data Systems, Inc. (AL)

On XX/XX/2020 I pulled my credit report and discovered multiple inaccurate accounts reporting. I have filed countless statements and dispute and this company and the credit buearus have failed to remove these accounts. This is prohibiting me from purchasing a home. I was a victim of identity theft.
Consumer complaint received 2020-07-11
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: LDF Holdings, LLC (MT)

On XX/XX/XXXX I received an email from loan at last stating that I had been approved for a {$1000.00} loan to be disbursed into my account on the next business day which would have been XX/XX/XXXX. I called The company and told the woman I spoke to that this was fraud and identity theft, I had not applied for a loan through them and that the bank account last 4 that was listed was not my bank account. This woman allegedly talked to her supervisor and then put me on a 3 way call with a man that allegedly worked for XXXX XXXX XXXX Texas. The man on the Phone stated he could not find the account. The woman from loan at last stated they take fraud seriously and they would not disburse those funds. I have since made an identity theft report with the FTC and a report with the XXXX County sheriff 's office. The deputy from the sheriff 's office encouraged me to get back in touch with loan at last and ask them what the last 4 of the SSN was that was used to apply for the loan as well as an address and a phone number. So far I have had no luck getting that from them to add to my criminal complaint.
Consumer complaint received 2024-02-01
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Block, Inc. (CA)

I am writing to express my deep concern and dissatisfaction regarding the unauthorized disclosure of my private information by Square, also known as Block Inc. As a longstanding and loyal customer of Square, I am troubled by the serious breach of my privacy and the subsequent lack of effective resolution from their team. 

On XXXX XXXX XXXX at XXXXXXXX XXXX  PST, I received a text message from an unauthorized party that explicitly detailed specific information about my Square Loan, including the loan origination date and my name. This unauthorized party claims to have obtained this information through Square, and I possess tangible proof of this claim in the form of the text message received. 

My initial attempt to resolve this issue was on XX/XX/, when I contacted Square 's customer support. During that call, I was assured that I would receive an email once the matter was resolved. Despite multiple follow-ups, I have not received any satisfactory resolution or communication regarding this matter. 

Subsequently, on XX/XX/XXXX, I spoke with another representative who assured me that I would receive an email addressing my concerns. The email I received from " XXXX '' only requested information on what my concerns were, without providing any substantive response or resolution. 

In my prompt response to " XXXX '' on the same day, I reiterated my concerns, expecting a timely and effective resolution. Unfortunately, I have not received any further communication from " XXXX ''. 

Recognizing the urgency of this matter, I reached out once again on XX/XX/XXXX, copying Square 's privacy team in the communication. While I did receive an email from the privacy team, it regrettably appeared to ignore the gravity of my privacy concerns, providing no substantive information or resolution. 

On XX/XX/XXXX, I received a message from XXXX stating, " Ive passed your case along to a Square Banking team member who can help you further. You should hear back from them shortly. '' Subsequently, I received no additional communication even after a follow-up on XX/XX/XXXX. 

It is imperative to note that I possess concrete proof from the unauthorized party, in the form of the aforementioned text message, confirming the unauthorized access to my personal information through Square. 

I am deeply dissatisfied with Square 's handling of this situation and the apparent lack of urgency and professionalism in addressing a serious breach of my privacy. I am requesting a formal investigation to take place including what they call " an Automatic '' occurrence of sharing private information from their internal systems.
Consumer complaint received 2019-03-01
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: Experian Information Solutions Inc. (AZ)

The following credit inquiries isted on my Experian credit report is fraudulent and unauthorized : XXXX XXXX XXXX from XX/XX/2018 and XXXX ( XXXX XXXX ) .The credit inquiries is fraudulent and unauthorized.
Consumer complaint received 2018-02-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC (MI)

on XX/XX/2018 I got an email telling me that CAPIO PARTNERS LLC. had reported the I had a bill with them. I have never entered into any contract with this company. they have never called me or sent me anything in the mail about this account. they can not give me a copy of any contract that I have signed with them. they refuse to provide information necessary for me to even confirm the debt. yet they try to demand money from me without a signed binding contract between parties. I have also filed an complaint with the BBB complaint # XXXX CAPIO PARTNERS LLC. 
XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2017-08-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

on XXXX/XXXX/XXXX we were asked by the father of a ( supposed ) exchange student to send a money order in the amount of {$1400.00} to his Bank of America Account : account number XXXX in the name of XXXX XXXX. He had given us a bad check for {$3800.00} and had asked us to use his money to buy his daughter a car. Our XXXX bank had said that the check had cleared but it had not. It was a scam to get us to send him our money. We filed a police report # XXXX. Bank of America froze XXXX 's checking account due to fraud and have not returned our money. XXXX also requested that we send a XXXX XXXX XXXX to XXXX in the amount of {$500.00}. I did that. So now Bank of America can reimburse us for the amount of {$1900.00} because his account is frozen due to fraud. Bank of America refuses to talk to us because it involves XXXX 's account and not ours.
Consumer complaint received 2024-02-01
Product: 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. (LA)

sent {$75.00} to XXXX XXXX  on cashapp for XXXX weights to be delivered to my house. its been two months & still no product, or refund offer that i was literally begged for. bought the weights on their website XXXX i never heard of that site so i shouldve known it was a scam but i did it anyway. never got the products i paid for or a refund for them.
Consumer complaint received 2024-01-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (NY)

I was selling a product and cash app business accounts supposedly requires additional action. I did so and not they stole about XXXX dollars from me. And requested I open an account with some random bank, that never got open. Now there saying they can give me my money but are requiring that I give them another XXXX no way Im doing that. The owe me XXXX and I asked them to take it out of the money and they saying that cant do that.
Consumer complaint received 2020-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (CA)

In 2012 because of a job loss I struggled to make payments on my Citi Cards credit card. Phone number XXXX. As of XX/XX/2012 the balance was {$8000.00}. The account was sent to collections in 2012. I have been making payments monthly without fail since 2012.The current balance is {$5100.00}. For the last 5 years I have asked the company to send me statements of my payments and the balance. They have notified me on several occasions that they can not and will not send me statements. To get my balance I have to call them and take their word that the amount due is correct. 

I would question the legality of this problem.
Consumer complaint received 2017-08-29
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX XXXX has 4 different accounts reporting to my credit reports that are XXXX debts and are pass the statue of limitations and they will not delete them.
Consumer complaint received 2022-04-25
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. (MI)

I am writing to delete the following information in my file. The items I need deleted are listed in the 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 2021-01-31
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (NJ)

I have a credit card with comenity and it is almost impossible to make a payment, resulting in late payments. It takes approximately 4-5 attempts to get in touch with them to pay every month. 

Customer service teams are shut down, incorrect phones numbers are given to make payments. The system is so glitchy it repeatedly drops the call. 

Additionally there have even been a few times when I thoughts I made a payment but it wasnt applied. Thankfully I caught it before it was late the first time, but not the second time. 

Furthermore I have not received bills In Several months, and have requested repeatedly to be put on e-communications but typos in my account ( on their side ) prevent me from signing in to my online account and fixing the issues. Lastly, they will not allow me to shut my account down. It is impossible to figure out how. 

The issues with this company has reached a fraudulent level.
Consumer complaint received 2024-01-30
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: Block, Inc. (TX)

On XX/XX/year> at XXXX XXXX mobile deposited my paycheck from my employer on Cash App for the amount of {$1300.00}. I was told it would be available in XXXX business days. Its now been 10 days total ( XXXX business days ) and I still dont have access to my funds. Whenever I reach out to support for help they refuse to help me or give me an update. Ive called support, spoke to them through the app, even reached out through social media and Ive yet to receive any type of help. This has caused me to be late on credit card payments which has affected my credit. Now Im risking not being able to pay rent.
Consumer complaint received 2020-07-11
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In XX/XX/2020, XX/XX/2020, XX/XX/2020 and myself or a debt repair agency has tirelessly disputed incorrect information on my credit report. In XX/XX/2020 I disputed a late payment with XXXX XXXX, the creditor agreed to waive the late fees which caused the balance and the account was left with a XXXX  balance. I have tried unsuccessfully to have the late payment removed from my credit report I even provided proof from the creditor that the changes were reversed. The account is still reporting negative on my credit report. I have disputed with all three credit bureaus and always come back as verified when disputed.
Consumer complaint received 2017-04-17
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I XXXX XXXX Have a loan with Bank of America. I sent my modification information, first in XX/XX/XXXX, then again in XX/XX/2017. As of XX/XX/2017 I have yet to be assigned a case manager to my case. I am auto to loose my home and no-one cares. They have given me the run around for three months and everyone I call, they tell me they will escalate the issue. Please help!!!
Consumer complaint received 2017-04-11
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

XX/XX/2017 I put in a request to have my XX/XX/2017 and XX/XX/2017 payments Deferred to end of loan. The individual I spoke to at that time had agreed to email me over the form I need to fill out in order to get that in place and XXXX hours to send out and I can email it back in to make sure it was received on time so it would n't be marked late. I waited and never received the email. So I called back and another person said they would resend again.Still never got email. On XX/XX/2017 I spoke with another gentleman and he figured out the reason it did n't go through was because no password was assigned when they sent it out which there system would not actually send it. I stayed on phone with him over XXXX mins to allow him to fix issue and email me. He advised me on the call that I could email it for faster service and upon processing it if it were late they would adjust late off credit report. I filled it out and emailed it back right away when I received it. I got a call 2 days letter saying they did n't receive my email to go ahead and fax it and upon receiving the fax they would fix issue and adjust the late on credit report. I faxed and emailed again right then and there. Now that it is reflecting late on my credit report they are now telling me it 's my fault and they will not be removing late. How is it my fault when I called with plenty of time for deferment to be processed representatives just did n't do their job correctly the first 2 times.
Consumer complaint received 2024-01-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc. (TX)

CashApp sent me a receipt of a successful refund of {$150.00} on XX/XX/year>. However, the funds are nowhere to be found. The receipt indicated that the funds were returned to my debit card with XXXX XXXX. No funds could be found in my bank account. I talked to CashApp again and they urged me to file a dispute with XXXX XXXX  and that they would work directly with the bank. XXXX XXXX  responded that CashApp claimed that my refund was in CashApp account balance - a different story than they had told me. I submitted all the statements showing no funds in CashApp account balance or bank account. 

CashApp is no longer willing to talk to me, claiming that they are dealing with XXXX XXXX  directly. They are stalling, and making false statements to XXXX XXXX. They claim to have refunded {$150.00} which can not be traced. I think they are running a scam. 

Please help me recover my {$150.00} refund with CashApp. 

Thanks, XXXX XXXX
Consumer complaint received 2024-10-14
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX PH : XXXX XXXX XX/XX/year> XXXX XXXX  XXXX XXXX XXXX XXXX XXXX tx XXXX Subject XXXX Debt Validation Dear, XXXX XXXX I am writing regarding a notice I received concerning an alleged debt in the amount of {$620.00} associated with my account number. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I respectfully request that you provide full validation of this debt.

Please supply the following information : 1. The name and address of the original creditor.

2. A detailed accounting of the alleged debt, including the amount and how it was calculated.

3. Copies of any agreement that you claim I have signed or that shows I am obligated to pay this debt.

4. Verification of your legal right to collect this debt on behalf of the original creditor. 

While this information is being investigated and verified, I request that you cease any and all collection activities related to this matter. Additionally, please do not report this debt to any credit reporting agency until it has been properly validated. 

I would appreciate your prompt attention to this matter and request that you respond within 30 days, as required by law. Failure to provide adequate validation of this debt will result in my exercising my rights under the FDCPA to dispute this debt. 

Thank you for your attention to this request. Please send your response to the address listed above. Sincerely, XXXX XXXX