davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2020 XXXX XX/XX/XXXX Sent me a receipt that they charged my Wells Fargo business account {$19.00}. I immediately went online to check and the amount of {$19.00} was indeed debited from my business account. It was also listed as XXXX XX/XX/XXXX {$19.00}. I SAW THAT IT WAS ALREADY TAKEN OUT. On the XXXX at around XXXX XX/XX/XXXX, I had {$360.00} in my account. Keep in mind XXXX was already processed. But when I checked on the XXXX of XXXX, Wells Fargo recharged my card and put the XXXXXX/XX/XXXX charge of {$19.00} at the top again under pending transactions. Now my account had went down to {$340.00}. I called Wells Fargo and told them that I have the receipt from XXXX showing they charged me in the XXXX and that it was already debited. The teller on the phone insisted that I didn't know what I was talking about even after telling her I had the receipt and it showed a charge on the XXXX not the XXXX and that the money had already been debited. I got no where with the teller.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

I am writing to file a formal complaint regarding fraudulent inquiries on my credit report. Upon reviewing my credit report, I discovered several inquiries that I do not recognize and believe to be the result of fraudulent activity. The unauthorized inquiries have significantly impacted my credit score and have raised concerns about potential identity theft. I have attached a copy of my credit report highlighting the unauthorized inquiries for your reference. The unauthorized inquiries have significantly impacted my credit score and have raised concerns about potential identity theft. I have attached a copy of my credit report highlighting the unauthorized inquiries for your reference.
Consumer complaint received 2020-11-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (ID)

I had made a transfer to the wrong person of 400 on or about XX/XX/2020. I contacted Cash App within 2 minutes of doing it. It states if you contact the right away they will help you recover it. 
When I sent the money to the correct person I was then ripped off for XXXX the person didn't supply the product that was promised. I then contacted them again with in an hour of that situation. They refused to do any thing about the two payments of XXXX in XXXX sent.
Consumer complaint received 2020-10-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (TX)

Complaint Details So I received a {$4700.00} direct deposit early Tuesday morning like really really early so I was sleep. When I woke up I had notifications from cash app that I sent some money to someone so I get on my cash app and I have a unauthorized sent payment for my whole {$4700.00} so of course I file a dispute with cash app. They reply and tell me to answer some questions which I did. Fast forward to this morning wed XX/XX/2020 I get a email from cash app saying they are denying my claim because even tho the payment wasnt sent by my device ( and this is the only device I have and the only device I've ever used to access my cash app ) but even tho the payment wasnt sent from device apparently the payment was sent by a device that Has accessed my account before ... .and so they do not have enough evidence to get me my money back ... Wow really if someone hacks your account and you don't have cash in it at the time but you show that you are active on cash app chances are they are either going to stay logged in to your account until u get some money in it or they are going to keep checking the account until u get money in it. I had {$4700.00} stolen out of my account money that I need to take care of my family my kids I mean come on we are going thru a pandemic and cash app denies my dispute and let 's some low life hacker get away with my {$4700.00} that's unbelievable what kinda of company does that. I don't know what I'm going to do now I can't pay my rent or nothing. Oh and if someone hacks your account and they access your account more then once and then send a payment cash app will say that whatever device the hacker used is now a known device and will not help you they will deny your claim even tho they ask you what devices you have used to access your account and in my case my XXXX phone is the only device I have accessed my account with. They still will say the device that isn't yours and you have never used to access your access is a known device. I'm pretty sure they can see the IP address and device I use is completely different from the hackers IP address and device. I have contacted cash app support they didn't help so I have filed a complaint with the XXXX  now with the CFPB and next I'm going to file a complaint with my state AG and work my way up cash app chain of command and email the higher ups.
Consumer complaint received 2020-11-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (MS)

On XX/XX/2020, a unauthorized transaction occurred on my Cash App account, account name $ XXXX. Specifically, a withdrawal in the amount of {$1000.00} was accomplished and another transaction of another {$1000.00} was attempted but I was able to cancel it. On the transaction that actually cleared, the funds went to " XXXX XXXX '' with a e-mail address of " XXXX ''. I immediately unlinked my XXXX  debit card from my Cash App account and then closed my Cash App account. I subsequently wrote Cash App to contest and complain about this unauthorized transaction but was told in a response that I needed to open a new Cash App account to do so. I then opened a new Cash App account, account name $ XXXX, and disputed the unauthorized transaction and then was subsequently told that since my original account was closed, they could not help me. I wrote them 3 more time seeking to resolve this issue with no success, and each time I received responses stating the same response. On my last communication, I specifically asked them to call me at my number of XXXX and they refused to do so. Each and every response received by them did not address the issue I was attempting to resolve with them.
Consumer complaint received 2020-12-29
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

On XXXX I sent certified letters to the credit bureaus regarding the inaccurate and unverifiable items on my credit reports. To this day, over 35 days ago I still haven't received a response. This has caused me great stress because I've been denied credit due to all of these bogus items on my report. My report showed multiple wrong names, addresses and unknown accounts. The Fair Credit Reporting Act Section 611 ( a ), plainly states, that a consumer reporting agencies shall provide written notice to a consumer of the results of a investigation no later than 5 business days after completion of the investigation and that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report. I demand that these inaccurate and bogus items be removed immediately. It has been over 35 days so my next step will be to file for litigation due to the stress I've been caused. My information was also impacted by the Equifax data breach and someone may have gotten my information.
Consumer complaint received 2020-12-28
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (CA)

While looking at my credit report, I noticed two missed payments on my JPMCB AUTO FINANCE account. Due to suspected coronavirus, I was unable to work between XXXX and XXXX. Financial possibilities did not allow making payments on time. In addition, I paid off this account.
Consumer complaint received 2020-12-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH)

I recently checked my credit score reports and all include an old XXXX XXXX as a problem account that is negatively affecting my rating. 
In XX/XX/XXXX, I left the USA to take a XXXX  job in XXXX. That same month, I apparently owed {$1.00} on my XXXX card, probably a leftover interest charge. Because I had left the country, I did not receive a bill. 
A credit report shows that over the next year plus, XXXX kept piling onto this original {$1.00} penalties and whatnot until, as of XX/XX/XXXX, the amount owed was {$140.00} ; they then closed the account and reported it to the credit bureaus. 
In XX/XX/XXXX, because of the pandemic, I abandoned XXXX. After being marooned for five months in the XXXX, I repatriated to the USA this past XXXX. During my entire time overseas I did not receive any mail from the USA. 
The XXXX report and the damage it's doing to my credit rating seem patently unfair, especially given my circumstances. I tried to contact XXXX using two different phone numbers provided by the credit agencies, but was unable to reach a human being.
Consumer complaint received 2020-12-29
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

On XX/XX/20 I sent letters to each bureau. I have not received a response yet. I feel like I'm being taken advantage of and being ignored about my disputes. Section 611 ( a ) plainly states 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 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you have caused me. My information was also impacted by the XXXX XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2020-12-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Omega RMS, LLC (CA)

After making arrangements with another company, This collection agency reported this account for the original creditor XXXX away. This account was just reported however, I have no agreement or communications or signed contract with OMEGA RMS. They refuse to provide a statement that validates that they work with XXXX. They also were very rude and did not listen to my request for documentation proof that they work with XXXX XXXX. This company has some concerning practices.
Consumer complaint received 2020-12-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

I has a previous case, where I could not make a payment of my capital one card. 

The issue it seams is due to the fact I am a XXXX going through US immigration. And somehow the Capital one system detected my OLD XXXX Capital one card. So it had my US card flagged in the system. 

Someone from Capital one called and it was fixed. And that card I have been able to make payments on. 

Except.. somehow it then linked my XXXX SSN into the US. And that card is using my XXXX SSN. And it created credit bureau reports using my XXXX SSN. 

I did not notice this right away. 

But then Capital one offered me a new card. Under a preapproval letter for a different type of Capital one card. I accepted and the card was granted. That card is definetly using my US SSN.

Issue is I can not PAY it. I can not link it I can not create an online account to pay it with. As it tosses a oops we hit a snag error.

I did one payment over the phone which took hours to complete. 

We then went through what is happening as the US Capital one system shows me twice.. once with my XXXX SSN, and again with my US SSN XXXX 

We spoke to there fraud unit to confirm who I was, I started this process back in XXXX XXXX. I had to fax them all my paper work. Which I did ... they promised to call in two weeks. 

nothing happened. 

I then contacted again, they confirmed they could see all my paper work but nothing had been done. 

So they said I needed to open another case, as the other one had been closed due to non activity.

I am now behind, and calling in they can't take payment I can't make payment. I am to the point I just feel like I should cancel the cards. It is such a pain to deal with.

So on my call back they said open another case sent me alink, I said okay I will send all the paper work again. And confirmed on the phone, with them.. can you see it.. yes could can you review it yes looks good.. should take two weeks to fix and we will call you. 

It has been a month and again still not fixed.
Consumer complaint received 2020-10-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc. (GA)

Cash App, which is a product of the company Square , Inc., based out of XXXX XXXX, California.

As of right now, Cash App does not actually offer customer service via the telephone, only via email or through the app. Customer help phone number is impossible locate for this company. If you check within their App Number is not listed.

This opens a window for scam customer numbers listed online. Many Cash App customers are being mislead because they refuse to offer or list appropriate customer support. Scammers continue to appear as Cash App online and are stealing our money. We need Cash App to Step UP and do something about this!!!
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX  XXXX Account Number : XXXX
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (WA)

Upon checking my credit report, I have discovered fraudulent account on my credit report, these fraudulent accounts are XXXX XXXX XXXX with account number XXXX, XXXX XXXX XXXX and XXXX with account number XXXX, please remove these fraudulent accounts, as they are not mine
Consumer complaint received 2024-09-04
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: Experian Information Solutions Inc. (MA)

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 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 XXXX 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 2020-10-13
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc. (NC)

For approximately 3 months XXXX Financial Services has restricted two of my accounts. My wife and I have two XXXX XXXX, one in which we XXXX XXXX XXXX, XXXX XXXX XXXX under XXXX XXXX and the other in which we XXXX  XXXX XXXX under XXXX XXXX XXXX Square has restricted both accounts and has virtually infringed upon our constitutional rights to life liberty and the pursuit of happiness. I have reached out numerous times to their customer service department with no success. I have tried to escalate to management but they will not put a manager on the phone. They keep asking for supporting information and when I submit that information many times their system will not upload it. When I provide the information to a representative they fail to update their system. Furthermore they confuse the two businesses ; they ask for COA information for XXXX XXXX and we do not XXXX XXXX XXXX  through XXXX XXXX. When I provide the COA and other information they request, it never seems to be enough. They always want more. They have our funds frozen and we can not do business. We need the merchant account to do our financial processing but we just can't seem to get to the right person who will accept responsibility and solve our problems. Can you help us?
Consumer complaint received 2020-10-12
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Block, Inc. (VA)

I ordered a Cash app card. After my social security benefits were deposited to that card, someone claiming to be a representative for the company told me someone hacked some of my funds and there was a hold put on the card. Last week I spoke to someone else claiming to work with cash app and he restored only {$10.00} to my card. Social security sent me a refund of about {$900.00}. Cash app has no live representative to speak to, and I just want my funds release to me. Afterwards, I will disolve my dealings with this company. 

Thank you.
Consumer complaint received 2020-10-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Block, Inc. (UT)

XX/XX/2020 for {$40.00} the company only connects with members by email and never respond or help resolve the issue, the transfer was never received so I requested a refund but theres no way to refund the payment because it doesnt show on the persons account
Consumer complaint received 2020-10-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (MA)

On XXXX I tried to send money via Cash App. I received a text that the money was going to be refunded for my protection. I tried sending {$200.00} twice for a total of {$400.00}. After 2 months, my digital wallet is still showing {$0.00}.
Consumer complaint received 2020-10-23
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. (DE)

I received 3 different Visa debit cards from a company called Cash App that I never applied for. I attempted to call Cash App customer service number but only got a message from an automated attendant advising me to go to their web site for help. My computer anti virus indicated that the Cash App web site in a non secured site therefore i did not want to access the site. The debit cards refer to a bank Called XXXX XXXX. I call XXXX XXXX   however they are not able to help in getting the cards cancelled. The representative did agree to reach out to Cash App to see if there is some way to have someone contact me by email. I just want the cards cancelled and request no further cards be issued in my name. Hopefully you can help with this matter.
Consumer complaint received 2020-10-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Block, Inc. (NY)

On XX/XX/2020 I received a text from the pharmacy that fills my prescriptions that told me they'd been receiving receipts from purchases I made at other businesses. They suggested that those receipts were coming form a company called Square. I went to the Square website and found that there was no way to speak with a live representative by chat nor was there a telephone number that would accept my calls unless I was a registered seller with their company. So, there as no way to fix the error or to take action to prevent identity theft that might result form the misdirected receipts. I am filing this formal complaint because this business refuses contact from the public.