davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (FL)

I recently had fraud done to my acct. I purchase 2 XXXX. the first on a web site call XXXX XXXX {$150.00} XX/XX/2020 & the other off XXXX XXXX {$130.00} XX/XX/2020. Cash app states on there portal that if we detect fraud being done to contact them immediately. I did everything they asked me to do even requested the refund from the 2 people who I made the purchase with. The first guy he never responded leaving the acct in refund status and the other guy decline immediately. I sent all supporting documentation to cash app only to get the run around. I then tried to dispute the charges with my bank only for them to tell me they do not assist with 3rd party payers. I then contact each web site I purchase the items off. XXXX XXXX & XXXX XXXX. let go said they do not assist with refunds and offer up said because I used a 3rd party payer they can not assist me. I then contact Cash App through the portal. After numerous email back & forth I finally asked for manager to speak to the rep by pass the question and gave me am automated response. I have all email trails to support this as well. I have been going back an forth with different reps only to get the same responses. I am out of {$280.00}. Someone is responsible for this. Cash app ask for SS # and a physical address. They need to go after the people who committed this crime. I know if this was my bank they would have refunded the money and went after the people who did this. I need help in this matter. So far I have did a police report, contact XXXX, XXXX, XXXX, XXXX XXXX, & XXXX XXXX. I wish I did my homework before using the app. I know they created this for a good purpose but there are people making it bad and nothing being done about it. I feel they are supporting the crime because the accounts are still active and running. This is not right and something needs to be done. Due to all the bad reviews I have seen on different web sites I have unlinked and deactivated the account at this time due to people have money disappearing out there acct. I can't chance loosing money. I work hard for my money and for them to allow this behavior and not crack down. I think it need to be shut down for this reason. Please let me know how I can go about getting my money back.
Consumer complaint received 2020-08-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc. (CA)

I got scam by XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX told me to send her {$650.00} via cash  apps  on XXXX. I was able to sent {$400.00} via cash  apps  the XXXX XXXX was adamant that I need to send her {$250.00} to complete the total of {$650.00} via XXXX. I paid the total amount of {$650.00} for XXXX  reading and XXXX  since she was going to remove the XXXX  on me. On XXXX XXXX XXXX called me again that I need to put {$2500.00} downpayment for the materials she needs and the church is helping to remove the XXXX  but I need to put {$2500.00} as downpayment and she will return my money within 10days I sent the money through XXXX. Since XXXX has no limit consumer protection program I was able to send {$2500.00} to XXXX XXXX. After I noticed that she just scammed me I filed a report with XXXX if they can return my money back and XXXX denied my dispute. Something needs to get done with the scammer and XXXX and cash apps need to have a better proctection to protect innocent customer like me.
Consumer complaint received 2020-08-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (CA)

I have used my wallet with CashApp before with no problem, but for the last two weeks I've got a severe issue. I opened an account with one of my emails, got funds from some of my clients and then tried to withdraw them. The transaction got rejected by my bank on XX/XX/XXXX as I was reported by CashApp. After  this event I haven't been able to recover my {$950.00} dollars. I tried to log in into my account but their platform cancelled my user name all of a sudden and I just lost track of my money. The platform made me open another account with the same email and, therefore, as the user was another one, I lost my money. I contacted the App 's support team, followed their instructions to link those two users into the last one created to recover my money, but on XX/XX/XXXX I just received a message from them telling me that after following their instructions and even asking for a Card from them, they blocked me and told me that they were not able to merge both users and that this decision was definite. Now they tell me that they can reverse the payments to my clients ( people that I don't know and which already have received their products ) so that I can ask them to send them back to me to my new account. As you can read this makes no sense at all. The support team has confused me, made follow futile steps and misinformed me, and I haven't been able to get my money back.
Consumer complaint received 2020-11-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The XXXX  security breach affected millions of consumers including myself you may view information about this breach here : XXXX XXXX  XXXX Section 609 of the Fair Credit Reporting Act states that only fair, accurate accounts should be reported to any consumers credit file. I have contacted your company over 60 days ago and asked for you to either validate this account or remove it from my credit file, the fair credit reporting act states that your company has 30 days to respond, you have not done so which is illegal. The account you have listed on my credit file, is a result of identity theft, I am aware of my rights as a consumer, and I understand the current laws as the fair credit reporting act states. I ask as stated by law for you to remove the fraudulent account from my credit file. I have asked for proof that this account belong to me, which I have not received at all. I am demanding that you remove this account from my credit reports at once, it is absurd that your company has placed this account on my credit file. Not only do I not owe you money, but I know for sure that a collection can not collect a debt on behalf of another. If you refuse to remove this incorrect information from my credit file, I will move forward and file a motion in small claims court against your company. I am currently working with a lawyer who will assist me in making sure a judge in my area understands that your company is breaking the law by continuing to report this false information to my credit file. You may contact my lawyers here : XXXX XXXX XXXX I have kept all documentation of each correspondence, and I am prepared to fight for my rights to have a fair and accurate credit file. It has been 60 days since I have requested removal and debt validation, I have yet to receive. I am demanding this information be removed in 1 business day, as I plan to file a motion in court. Please remove this fraudulent account from my credit file.
Consumer complaint received 2020-11-19
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications regarding the investigation results. It has now been over 30 days. I filed a 30 day demand to comply with the credit bureaus and have yet to receive any response.
Consumer complaint received 2020-08-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc. (MA)

My friend XXXX sent me {$400.00} through CashApp on XX/XX/20. He was supposed to send me the money through XXXX by he thought I had CashApp Account. I don't recall when I opened my cashapp account but I downloaded the app again and the money was there. I tried to transfer the money to my XXXX XXXX Account but there was an error and I couldn't do that. I lost my phone a couple of weeks ago and I had to download the app again. Since then I have been trying to access my account and it doesn't allow me to. I contacted CashApp through emails and they requested me my personal information to allow me to access my account. I have informed my address, email, phone number and debit card numbers ( I had to go to the bank to get all the debit cards I had to see if the info would match ). But they keep telling that information is invalid and NOTHING can be done. I asked if they need my documents to prove that's me or maybe send the money back to my friend XXXX but they said NO. Please help me to get this money back. I really need my money.
Consumer complaint received 2020-11-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

My husband died on XX/XX/XXXX. I learned recently while doing other work on line that his name was never removed from my checking account..even though at the time of his death, supporting documents were all submitted as requested. When I called to correct this, I was told that yes, they do have his death certificate on file, but they would have to refer me to the Bank of America Estate Unit. I received a case file # and a case manager who directed me to download tax form L-8, fill it out, have it notarized and submit it along with another copy of the death certificate. I did so, however, I was unable to fill in the balance available in my checking account on the day of his death, because it was almost 12 years ago! I was told by the case manager when she received the document, that I must call account services at my bank and they would provide me with that number. The next day I spent hours on the phone talking to at least 6 different people, none of whom could furnish that information, because apparently records are retained for only 7 years. Why didnt my case manager know this? I emailed her on XXXX, XXXX explaining that i was unable to provide that number and why. I also explained that the encrypted email that she had sent me I was unable to open. My case manager called me today to once again insist that a number must be placed in that tax form box, even if its the number of my current balance. I also learned that a 50 % hold had been placed on my checking account! No wonder when I tried to pay bills on line yesterday all of my payees had disappeared and I was on the phone again trying to diagnose that issue for at least 90 minutes including hold times.Today I find out that the automatic payment to my home mortgage company was returned due to lack of funds because of this hold. 
As requested, today I downloaded a second L-8 form, filled it out, had it notarized again, and I also included copies of letters from XXXX  court granting me guardianship of my husband when he first fell XXXX  in XXXX. These I mailed today. In the meantime I have no idea how many bill payments will be sent back due to this entirely unnecessary hold on my funds. This matter has been grossly mishandled and I am livid.
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I just recently looked at my credit report and noticed it had fraudulent accounts, please investigate them and remove them. 

Account Name : XX/XX/XXXX XXXX. 
Account Number : XXXX. 

I request that you reinvestigate the completeness of every piece of information and if it's not accurate, please remove it from my credit report. 

Based on consumer law 15 U.S. Code 1681i - Procedure in case of disputed accuracy, if within 30 days you can not verify the accuracy of the information, please remove the account from my credit report. 

Thank you for your time and consideration in this matter. I look forward to hearing back something positive.
Consumer complaint received 2020-11-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (FL)

Paypal asked me to verify some information to open a PayPal cash account, I provided my ID, proof of address and a paystub with my SSN. Even though I provided all these details PayPal has still partly restricted my account and I am unable to use PayPal cash services.
Consumer complaint received 2020-10-29
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-08-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Block, Inc. (MA)

I did a transfer cashed out from my cash app account into another merchant account because cash app closed my account with puse knowledge to me so they asked me to cashed out my funds to another merchant account so I did on XX/XX/2020 and the other merchant rejected the funds because the money was trasferencia into my debit card instead of direct deposit account my debit card doesnt now allow deposits so the money was reversed back to cash app and the funds are not showing up in my cash app account the balance keeps saying XXXX and the funds that Im looking for is {$11000.00}. And it has been over 30 days now and I have tried to reach out to them via emails and I keep getting the same massage back and forth saying that my account is closed and that it has been more than a week so they close my case thats the email I keep getting repeated every time I contact them. And I want this matter resolve is my funds money that was sent to me by the government for my unemployment.
Consumer complaint received 2020-11-19
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (SC)

I acquired a credit card from XXXX ( XXXX ) two weeks ago to make a down payment on a XXXX timeshare. This card was recommended to me by XXXX during the sales process. Earlier this week, I received paperwork in the mail for my " XXXX XXXX XXXX XXXX '' with my account information and instructions for how to pay online. However, when I try to create my account online using the directions provided, I keep receiving an error message stating " We're sorry. A technical glitch occurred and your request could not be completed. Please try again. '' I called the company yesterday and an employee had me walk through a couple of troubleshooting steps. After putting me on hold, they came back and told me there is a known issue with the website and to try again later in the day. I have now tried at least 20 times, both yesterday and today with no luck. I would like to pay my card in full, but their technical issue is preventing me from doing so timely.
Consumer complaint received 2020-11-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CARD Corporation (PA)

Today I have contacted y'all to see if y'all have got my disputes to claim letter I upload online on the secure document center on XX/XX/XXXX. Y'all agents told me y'all never got it, and I would need to make a new dispute. I have told them I had to upload it on my online account on XX/XX/XXXX, and I need to dispute XX/XX/XXXX XXXX XXXX XXXX TN the XXXX Purchase On card ending in XXXX - {$69.00} and dispute XX/XX/XXXX XXXX XXXX XXXX TN XXXX XXXX Purchase On card ending in XXXX - {$110.00} For cancellation services Both payments were made in card ending in XXXX, but XXXX got replaced with the card number XXXX.
Consumer complaint received 2020-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

Captial One did an investigation to show that the it is fraud. They sent a letter to all the credit bureaus, the other two credit bureaus have deleted this off of my credit. I called XXXX and talked to XXXX, yesterday. He was very argumentative and would not allow me to talk to his supervisor until I pushed and pushed and pushed. 
This was disputed on XX/XX/XXXX, and Captial One sent a letter to me and all the credit bureaus on XX/XX/XXXX. I have uploaded the letter and submitted another dispute. 
I called Capital One and they told me they " could not help me, because they already did their job. ''
Consumer complaint received 2020-11-19
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (VA)

Leased a new vehicle under a 3 year lease on XX/XX/XXXX. Lease matured on XX/XX/XXXX. Lease agreement contains a purchase option at end of lease term with a stated purchase price. Lessee has no record of my lease agreement and therefore is unwilling to allow me to purchase the vehicle at the stated price. They have an unexecuted substitute lease agreement with a higher purchase price. 

All attempts to try to resolve the purchase price dispute have failed. I have furnished them with a copy of my original signed lease.
Consumer complaint received 2020-08-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc. (MI)

Since XX/XX/2020 i have been tryna cash out {$2500.00} my cash app but it won't connect to my XXXX XXXX account. I have asked cash app to reopen my account so i can link my bank but they will not take any actions to help me. That money was to be use for my kids medicine. I would greatly appreciate tour help with this matter i just wont to get my monwy and be done with cash app. Thank you for any help you can provide.
Consumer complaint received 2020-11-19
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. (PA)

I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA - they are required to ... promptly delete all information which can not be verified. that i have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2020-10-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PENTAGON FEDERAL CREDIT UNION (CA)

My debit card had unauthorized charges from another country on it, including : XX/XX/2020 XXXX XXXX PENDING XXXX XXXX I received no fraud alert, I noticed them on my statement. I contacted penfed, they would send a new debit card, void the charges, and credit the fees caused by the unauthorized charges. 

I received the new debit card, but I have not been credited for the fraudulent charge, and I have not been credited for the fees caused by the fraudulent charges.
Consumer complaint received 2020-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

Both customer reps from the 3 credit bureaus Equifax, XXXX and XXXX as well as the credit card companies XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX all acknowledged my accounts were innacurate. They all agreed to remove any and all delinquencies or derogatory information after citing the Cares Act and extenuating circumstances involving COVID 19. The virus created an unexpected temporary hardship. In essence, I was a victim of a declared national disaster.
Consumer complaint received 2018-08-02
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: Experian Information Solutions Inc. (GA)

creditor : BANKRUPTCY : DISCHARGED CH-XXXX/////THIS IS MY FATHERS AND ITS ON MY REPORT CASE # XXXX   creditor : XXXX XXXX XXXX XXXX account # XXXX balance : XXXX  creditor : XXXX XXXX XXXX account # XXXX  balance:XXXX creditor : XXXX XXXX XXXX XXXX account # XXXX   creditor : XXXX XXXX XXXX/XXXX  account # XXXX   balance : XXXX creditor : XXXX XXXX XXXX/XXXX  account # XXXX  balance : XXXX  creditor : XXXX XXXX XXXX   account # XXXX creditor : XXXX XXXX XXXX  account # XXXX creditor : XXXX XXXX XXXX  account # XXXX creditor : quick loan company account # XXXX balance:XXXX creditor : regional acceptance co account # XXXX balance : XXXX  creditor : XXXX XXXX  account # XXXX  balance : XXXX   creditor : XXXX XXXX/XXXX  account # XXXX balance : XXXX creditor : XXXX XXXX XXXX  account # XXXX The following are not my address or ever lived there i think this is whats attaching me to my father ; XXXX XXXX XXXX , XXXX XXXX, GA.XXXX XXXX XXXX XXXX   XXXX  , GA. XXXX XXXX XXXX XXXX XXXX, GA. XXXX   THE FOLLOWING INQUIRING ARE UNAUTHORIZED : MORTGAGE REPORTERS BANK CREDIT CAEDS MISCELLANEOUS REPTG. AGENCIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-08-27
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

I disputed information on my credit report and Experian responded stating the information was accurate. I specifically asked for the method of verification along with documentation from the original creditor verifying the debt belongs to me. 

- XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX