davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (GA)

I withdrew XXXX dollars from the XXXX atm machine at XXXX an I tried to take off XXXX dollars an before I could finish my transaction the atm machine took the money back before I even had a chances to grab it I have already filed a complaint an cash app has not responded an I sent them the documents they needed showings proof of my transaction an its been another 15 days an I havent got a response yet
Consumer complaint received 2020-12-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc. (OH)

My Cashapp account was closed due to something that was not disclosed. I have been trying to get ahold of support all day. The only sketchy thing that happened was two days ago when I put an order for one share of XXXX XXXX but cashapp crashed and ordered two without my approval. I depend on this account for my investments and was a week away from opening a buisness account with square for my freelancing work in which I also depend on cashapp for besides XXXX. I need this account for my day to day life. Today has been XXXX because of this. I have almost XXXX in that account and I cant do anything about it.
Consumer complaint received 2020-11-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (TN)

On XX/XX/2020, I used Cash App to pay a down payment for a puppy in the amount of {$150.00}. I have the text log communication of the whole conversation with the " owner ''. As soon as I paid the deposit, they did not respond again. I sent follow ups and a deadline to respond by before I attempted to reach out to the CASH app support to inform them someone is using their product to scam/defraud its customer base. 

After no response from the " owner '' once the deadline was past, I contacted CASH app support. They then told me there was nothing they " could do '' even though I have such a clear cut case of their product being used for illegal purposes. 

I have had to open a dispute with my card company as well as work on filing a police report in order to actually make a move to stop this type of work. It's awful to see a company allow someone to use their product in such a way and respond to someone with a variation of, " Oh well ''. 

It's awful to think the honest people are the ones that get hurt with an app like this, while criminals are allowed to roam free without a second glance.
Consumer complaint received 2016-05-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Re : XXXX Account number : XXXX XXXX regards to this creditor reporting my account 30 days past due. This is very much inaccurate. 
I have spoken with these illegal representative 5x in regards to maing sure my payments are automatically drafted from my Credit Card. 
and 5x, I have received 5 different responses of yes, no problem, to it is there, to I 'm not sure we can do that, to the last time of, Your card was charged already. 
I can not be more clear when I say this, you CRAs BETTER make sure you get this late mark off of my credit report, or I will be escalating this complaint to the Attorney General against you and XXXX!
Consumer complaint received 2020-05-27
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)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX {$320.00} XXXX XXXX   XXXX {$2500.00} CHAPTER XXXX BANKRUPTCY
Consumer complaint received 2020-05-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (ME)

Tried to book a flight on Delta. They advertise a special offer with an American Express Delta Skymiles card. So I signed up. Was denied the statement credit. Received approval email. But can not purchase tickets without the card number. 
I created an online account with American Express. I can see the last 5 digits of the card but I can not get the card number. Used online chat then 2 phone calls to American Express but still could not get the card number. 

Without it, the card is useless. I can not wait a week to get the card before buying the tickets. So now I will have to cancel the card but will take a hit to my credit score because American Express and Delta lied.
Consumer complaint received 2020-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Because of fraudulent Black market activity on my credit, all 3 bureaus have put a one year Fraud alert on my credit. I have never lived at any of these addresses below that's showing on my credit report XXXX XXXX XXXX, XXXX, CA XXXX XX/XX/2018 XXXX XXXX XXXX XXXX, XXXX, VA XXXX
Consumer complaint received 2020-05-27
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

I opened a account with wells fargo played account .I let them know a money wire from XXXX XXXX here in XXXX XXXX ca was going to land to my account with wellsfargo we filled out the papers we needed professionally I have all copies, ,my routing number was given to wells fargo they verified it by calling manager XXXX XXXX at XXXX XXXX XXXX she picked up the phone everything was verified on both ends..the money of the amount of XXXX was wired to wells fargo, so I had respected asked them I wanted to order half of the amount do to buying a mobile home..the next day I came to wells fargo took out a amount of XXXX good they gave me my money next day I came by and wanted another XXXX ..my money they wells fargo acted very disrespectful accused me of wire fraud by manager I asked them to have the manager put it on paper of the accusation they did not want to do that well cops came I stood my ground presented all my paperwork to cops of my dealing with XXXX XXXX after their long 40 mnt meeting cops came back out apologize to me of the mistake wells fargo commited and wish me good luck on getting my funds back well wells fargo freezes my acount for no reason told me XXXX XXXX XXXX took my funds back I went through XXXX but XXXX is good XXXX XXXX went in computers and said to me they never done some like what wells fargo is accusing XXXX XXXX of doing..ther it is wells fargo is once again doing the people of America wrong ... fraud I payed just like any other American for account and they did me wrong treated me like a piece of trash and stole my money ever since I've been to XXXX XXXX for XXXX out been XXXX for 2 years I've feel less than a man to my famaly my kids ..I went to wells fargo again this time I got XXXX XXXX and a fair woman answered and give me a case number and said they will be contacting me but hey who's to say I just dont trust wells fargo so here I am expressing my issue to financial services ...
Consumer complaint received 2020-05-26
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. (AR)

My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. XXXX XXXX {$170.00}
Consumer complaint received 2020-05-26
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: Experian Information Solutions Inc. (MD)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. Because of fraudulent Black market activity on my credit, all 3 bureaus have put a one year Fraud alert on my credit.
Consumer complaint received 2020-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: The CBE Group, Inc. (UT)

CBE Group : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX - CBE Group keeps reporting lates erroneously on my credit report and I have never received a notice for any of these collections. We have health insurance, and do not owe this debt. These need accounts need to be removed from my credit report immediately!!!
Consumer complaint received 2020-05-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CA)

Navient provided incoherent response to my previous complaint. 

Company 's Response Thank you for reaching out to the CFPB with your concerns regarding your student loan account. Our records confirm that your Income Based Repayment ( IBR ) renewal was processed on XX/XX/2020 ; however, in response to the impact of COVID-19, on Friday, XX/XX/2020, President Trump announced that the U.S. Department of Education ( ED ) will waive interest on all federally held student loans and automatically postpone payments through XX/XX/2020. Your interest rates have been reduced to 0.00 percent during this period. Interest that accrued prior to the suspension will remain your responsibility. During this time, no payment will be due. This forbearance will not count against your voluntary forbearance time. Although you will not be required to make monthly payments during this specific administrative forbearance period, payments you would have been required to make under IBR through XX/XX/2020 will count toward loan forgiveness provided all other qualifying factors are met. If you choose to make payments during the administrative forbearance period, you may do so ; however, youll need to make those payments manually ( not through auto debit ). Well communicate with you in XXXX to help prepare you for XX/XX/2020, when the 0.00 percent interest rates and administrative forbearance period ends. Theres no other action needed, unless you want to opt out of the administrative forbearance weve placed on the account. If you want to opt out, well remove the administrative forbearance and youll be required to make monthly payments. The 0.00 percent interest rates will remain in effect, will not be charged interest through XX/XX/2020, whether the forbearance remains in effect or not. 

Navient unilaterally assumed I did not want to start making payments on my IBR plan. Their assumptions ARE INCORRECT. 

SEND IBR PAYMENT AMOUNT DUE NOW!!!!!!!
Consumer complaint received 2020-05-27
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. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.
Consumer complaint received 2020-05-26
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. (GA)

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report.
Consumer complaint received 2020-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX  XXXX, XXXX XXXX, XXXX, XXXX XXXX, DEPTEDXXXX, XXXX. 
Company Inquiries XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 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 2015-04-11
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Years ago I purchased credit monitoring service thru Trans Union, since ive stopped using that service I am not allowed to review my credit report online with annualcreditreport.com. This is a huge inconvenience and I fell that it is retaliatory for not continuing to pay for their service.
Consumer complaint received 2020-05-27
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: Nelnet, Inc. (GA)

I was shocked when I reviewed my credit report and found 180 days late payment. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2020-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX, ( Original Creditor : ), XXXX. 
Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-05-27
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account status incorrect
Company: Lending Club Corp (TX)

We were told that due to employment layoff due to Covid 19 that we would could take a forbearance on the payment and that it would not result in any negative credit reporting. After discussing it further my spouse and I elected to end the forbearance and make the XXXX and XXXX payment at the same time but was still issued a late payment to my credit report for XXXX. 

This years payments XX/XX/XXXX {$390.00} XX/XX/XXXX {$390.00} XX/XX/XXXX {$390.00} XXXX {$780.00} ( XXXX and XXXX 's payment ) XX/XX/XXXX XXXX The late payment was applied for XXXX even though we were assured multiple times that there would not be any negative consequences of taking the payment forbearance. Lending Club is very difficult to work with and each time you speak with a rep you told something different.
Consumer complaint received 2020-05-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

OnXX/XX/2020 I sent in a dispute. And on XX/XX/2020 it was finished. With no explanation of how this was verified. The item was paid by insurance. I would like this item reinvestigated and taken off my credit.
Consumer complaint received 2020-05-27
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (FL)

XXXX : XXXX : XXXX XXXX We really appreciate your good intentions in order to resolve the issue. Full and final payment of {$500.00} today XX/XX/2020 looks absolutely fine. 
Kindly fill the below information once you complete the Money Gram ( money in minutes XXXX so that we can arrange the pickup of your payment and send over the full and final receipt for the payment. 

Receiver Information for XXXX to our account XXXX : NAME XXXX XXXX XXXX XXXX XXXX XXXX XXXX  STEPS : 1. Go to the nearest XXXX store ( XXXX / XXXX / XXXX  XXXX ; 2. Ask for XXXX XXXX ( money in minutes form ) ; 3. Receiver Option : Pickup at any XXXX XXXX XXXX  ; 4. Enter the payment amount ; 5. Select Same Day option ; 6. Kindly fill the receiver information mentioned above in this email ; 7. Go to the cashier and deposit the money along with the store fees, once you hand over the cash, you will be provided with the receipt and the 8 digit reference number. 
Kindly fill the information below and email us back : XXXX XXXX keeps emailing demanding money. I have no idea who she is. 
XXXX XXXX will not identify the company or provide a validation of debt.
Consumer complaint received 2020-11-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (OH)

A Girl On XXXX (XXXX XXXX) XXXX1 Claiming To Be A Branch Manager At A XXXX XXXX XXXX XXXX ... As You Will See If You Use The Link To See On Her Page It She Does This All The Time... I Was Told That She Can Help Make Me Money Of I Banked With XXXX Or Cash App To Check My Inbox For More Details I Was Told That If You Send A XXXX Dollar Fee To Start The Process I Ask Multiple Time Was She Legit Because I Heard About Scammers Targeting Banks But She Reassured Me That She Was Legit And Sent "Proof" Pf Other Transaction .. Etc And After I Sent The XXXX Dollars I Was Blocked On The Website So I Reported To The Banking System Multiple Times And Was Told It Was Nothing They Could Do And I Would Have To Ask The Person For A Refund Because The Transaction Was Already Confirmed So I Sent A Refund Request And My Account Was Then Blocked From Doing Money Transactions With The Person
Consumer complaint received 2020-10-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (CA)

I sent XXXX $ From my XXXX  XXXX XXXX prepaid edd card one time transaction to a friend on his cash app on XX/XX/XXXX on my and it said it failed but then the funds never made it back to my account and its been a while n still havent received the funds back from cash app
Consumer complaint received 2020-10-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (NY)

On XX/XX/XXXX, I noticed unauthorized activity on my CashApp account. There were multiple failed charges of {$250.00} and {$500.00}. There were four charges of {$250.00}, totaling {$1000.00}, and one charge for {$1000.00} that was successful. I contacted my bank and they opened a fraud case. The bank ( XXXX XXXX XXXX XXXX XXXX XXXX, reclaimed the temporary credit they issued and informed me that the charges came from my IP address. Upon further investigation, it became known to me that it was a family member that had access to my account, and tried to purchase a piano, however they never received the piano, the seller never sent the shipping confirmation and never shipped the piano. It was a scam. So I notified my bank and they informed me that they can not issue the charge back to cashapp for the same charges and that since they already issued the charge back as fraud, they can not re-issue it as a dispute. They told me there's nothing else they can do and informed me that the best thing to do was to contact CashApp, or take the seller to court, but we can not take the seller to court since the information they provided was fake. I tried to contact CashApp multiple times but no one ever responded.
Consumer complaint received 2020-05-27
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: AES/PHEAA (GA)

I was shocked when I reviewed my credit report and found 120 days late payment on the dates XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.