davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (FL)

On XX/XX/2020, Cash App transferred funds that I never approved. These messages were taken from their app : Cash App : XXXX XXXX requested {$350.00}. Open Cash App to approve or decline Cash App : Please verify your identify by visiting Cash Support using your Cash App Cash App : For your protection, your {$350.00} payment to XXXX XXXX was refunded. {$350.00} has been returned to your bank account and will be available Thursday. 
Cash App : For your protection, your {$350.00} payment to XXXX XXXX was refunded. {$350.00} has been returned to your bank account and will be available Thursday. 
Cash App : XXXX XXXX requested {$350.00}. Open Cash App to approve or decline Cash App : XXXX XXXX just accepted the {$350.00} payment you sent today I never verified my identity with Cash App. And I did not approve either request for {$350.00}. Beyond that, XXXX XXXX is not a real person, that is an alias for a person running a scam to sell puppies. So, XXXX XXXX should not have been able to validate in their system. Unless Cash App has people within their company aiding and abetting illicit activities. Cash App provided documentation to my debit card company that the transfer of cash was from me to me. That literally makes no sense.
Consumer complaint received 2020-12-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (TX)

XX/XX/2020 - I accidently sent money to the wrong person in the amount of {$100.00}. I reached out to the individual and she refused to refund my money. So, I contacted Cash App to help me resolve the issue and they refused as well. I need my money refunded. A financial company that deals with transferring money should have an adequate process to help their customers in the event of a mistake. The fact that their only response is there's nothing we can do, is unacceptable.
Consumer complaint received 2020-12-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (GA)

I called Amerisave Mortgage to refinance ( from FHA to Conv loan ). I was asked to pay {$500.00} upfront on my credit card and I did. I was asked for the same documents on multiple occasions, after already submitting them. I was assured as long as I turn in requested documents in a timely fashion that I would be able to close before year end. I advised the main purpose is for me to be able to have a tax break for this year. My loan officer XXXX said I would be able to since I got all the paperwork in. I was told on XX/XX/XXXX that once I receive a call from the loan processor that everyone would have signed off but one final check box from Sr.underwriter. I spoke to the processor XXXX on a few occasions and she advised that I should close on XX/XX/XXXX because they have everything. Then I was told the underwriters not responding, managers are not responding. I continue to call both the loan officer and the processor only to receive voicemail, I leave messages and no call backs. They took my {$500.00} and will not call or reply. I have multiple email chains regarding this terrible experience. 
Thank You,
Consumer complaint received 2024-10-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

I'm a victim of identity theft. On XX/XX/year>, someone did a XXXX swap and stole my phone number. They then reset my Wells Fargo Bank password using the code sent to the phone number, and logged into my account. They wired out {$2000.00} twice, total {$4000.00} from my account, again with the verification code sent to the phone number. I went to the bank branch, reported the incident and requested the recall the same day. On XX/XX/year>, Wells Fargo bank informed me the recall was not successful, and also denied my claim of the illegal wire. They refused to reimburse me for my loss due to the identity theft. 

I believe Wells Fargo 's account security is not adequate. It allows resetting password and immediate wiring out money with code verification sent to the same phone number. I also believe the recall effort is not adequate. I requested recall only an hour or so after the wire initiated. And Wells Fargo refused to provide the bank account details of the destination. Lastly, although Wells Fargo acknowledged that I didn't initiate the wire. they still denied any wrong doings and denied my claim. I filed the police report and FTC report.
Consumer complaint received 2020-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX DOB XXXX SS XXXX I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided in XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. I am sure that someone in the XXXX area is using my ID and Personal Identifiers to open up accounts in my name. I lost my ID over a year ago. I pulled my credit report and discovered several accounts that I do not recognize. I am trying to protect the integrity of my credit profile as much as I can. Please update my correct address : XXXX XXXX XXXX XXXX FL XXXX is my only address. Please delete any other addresses. 
The following accounts are fraudulent : XXXX XXXX XXXX # XXXX, XXXX  XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX. XXXX, XXXX # XXXX, XXXX XXXX # XXXX.
Consumer complaint received 2020-12-29
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: CAPITAL ONE FINANCIAL CORPORATION (OK)

A Wal-Mart credit card was obtained my personal information. When the account was opened XXXX XXXX was the card issuer. However at some point the account was sold to capital one. I have disputed this account with Capital one and they have ruled in my favor however XXXX XXXX or Capital one is still reporting the account information. I have reached out to. Both companies on several occasions but have yet to receive a response. I am requesting that this account be removed from all major reporting agency by whichever company is still reporting this inaccurate information.
Consumer complaint received 2020-12-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Paypal Holdings, Inc (WA)

I made a purchase with Paypal Pay in 4 payment on XX/XX/XXXX for {$590.00}. It was set for a recurring payment on my credit card. Before the last ( 4th ) payment of {$140.00}, my credit card was used fraudulently and i had to get a replacement from my credit card company. 

On Friday XX/XX/XXXX I received a text message from paypal stating that my last payment did not go through. I immediately went on to the paypal website, and it showed that my last payment was completed, and that there was nothing left to pay. I was unable to add any payment or change payment method or do ANYTHING regarding the transaction because paypal considered it closed & paid. Just in case, I added the replacement credit card but was denied access to remove the old ( fraudulently used ) card. I checked on the mobile app as well, it showed as fully paid there as well. 

On Tuesday XX/XX/XXXX, I was charged a late fee of {$8.00}, even though they showed that the payment was completed on XX/XX/XXXX. I was UNABLE to open a case with paypal about this ( they block you from opening any kind of case regarding Pay in 4 transactions ), and I have no way to get into the phone support lines. I ended up paying the {$8.00} late fee because i don't want a derogatory mark on my credit. But its messed up that paypal can show my loan as paid, prevent me from making any payment, and THEN charge me a late fee. It is ridiculous.
Consumer complaint received 2021-01-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: AMERICA FIRST FEDERAL CREDIT UNION (UT)

America first credit union is trying to Force everyone into a premium banking account for a monthly fee and if some people dont see it they automatically enroll you and charge you for a premium account unless you call or go to the bank and tell them you dont want the premium account and with the covid going on its just too much of a headache for everyone right now to just say hey we want to charge all of our valued customers to make more money off of you pathetic.
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

THE CREDIT BUREUS ARE NOT REPORTING MY MONTHLY PAYMENTS ON MY HOME. I MADE A PMYMENT ON XX/XX/XXXX FOR XXXX, XX/XX/XXXX FOR XXXX AND XX/XX/XXXX XXXX. MY LOAN IS FROM XXXX XXXX XXXX MORTGAGE.
Consumer complaint received 2020-12-29
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

The BANK Of America has {$8100.00} ... and they're freezing my account based on me receiving this grant through the pandemic relief fund .I was given the opportunity to retrieve {$800.00} from the ATM through the appointment set by them .I paid the over due bills on line and paid for the things to perform a task and attempted to fetch a ride to a cooking event and my card was frozen .I received a call from a BOA representative of their fraud dept. checking to see am I who I am and it was cleared and upon my next attempt to fetch a ride to my cooking event my card was frozen and as were my account. It was approximately XXXX ... .and I was told the matter was being looked into AND it would take a matter of 60-90 dys. Now it's been longer than they've said and the nature of the city being shambles due to the looting, fires, and rioting NO financial centers were open and I had to go about my affairs in this fashion. I've reached out to the Small Business Administration and gave the information a fax number which was given to me by BOA and the SBA sent me an email directing me to you all because the money she say isn't SUPPOSE to be returned to them especially since I've already started administering it.
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

After several attempts to clear up the errors made by XXXX XXXX XXXX on my credit report from the ( 3 ) bureaus ; XXXX, Experian and XXXX. I was notified by XXXX XXXX XXXX back in XX/XX/XXXX ; that they agreed to clear the late payments XX/XX/XXXX, XX/XX/XXXXand XX/XX/XXXX. I again, notified XXXX XXXX XXXX, that the late payments are still open as >30 days and as agreed was not removed from the ( 3 ) Bureaus. I was then advised by XXXX XXXX XXXX on XX/XX/XXXX that, it is up to the Bureaus to correct and I should file a dispute with them individually. I have followed the guidelines and have followed up with the agencies with no resolve.
Consumer complaint received 2023-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I received a alert from XXXX XXXX  that these to account XXXX XXXX XXXXXXXX & also XXXX XXXX XXXX  was added to my report when I did not give authorization for them to do so nor is the debt mines! And they won't remove it an I would like for these to items be removed asap nor is the debt reporting the same major discrepancy!!
Consumer complaint received 2020-12-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (FL)

on XX/XX/XXXX I payed through Cash App my son 's school tuition, books fee and 4 t-shirts to the school. but on XX/XX/XXXX they told me they didn't received anything and I showed them a print screen of the transactions. they told me the number was an office phone number and they can't receive the money so I cancelled all 3 transactions. I never got the money back because the bank said that Cash App never returned it and every time I tried to contact Cash App it gives me just the email option and they sent me the same email signed with another name where they say they did refund and to contact the bank. The tuition was {$400.00}, the books fee was {$170.00} and the shirts were {$56.00}. in total I lost {$630.00} which for me is a big deal because I have to a lot of sacrifices to afford this school for my son, he has XXXX and the school is for XXXX XXXX. I need someone to help me, please. My bank is XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (IL)

I established an account with Cash App back in XXXX with an initial deposit of {$2000.00}. On XX/XX/XXXX I noticed my money was not reflecting on the app. When I tried to use my card it was declined. There is no phone number to speak with a representative so I had to email and inquiry. I was told my account had been closed out and I had to create a new one to verify my identity. I did not close my account and I have no idea where my money went. I have been going in circles with Cash App customer support for weeks now. I keep receiving the same email to verify my identity and when I do so they transfer my investigation to another employee. I have been assigned around 15 different people only to keep sending me the same email. I have requested a transaction history to try to track down my money and they refuse to provide it. I have read numerous consumer complaints of the same thing happening to other people and cash app refuses to cooperate by sending people in circles in hopes that they give up. I am a senior citizen and I have been scammed. It is a shame this company has been able to get away with such poor service. I am starting to think they are scamming consumers.
Consumer complaint received 2020-12-29
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)

I recently received an updated copy of my Experian Credit Report. I discovered ( 32 ) credit inquiries listed on my Experian XXXXredit File. I immediately contacted Experian, who advised me that I needed to contact the companies who requested inquiries directly. I wrote a letter to each company detailing the fact that I had not granted any one permission to research or view my Experian Credit report. I asked each company to investigate the unauthorized viewing of my personal information. In addition I asked Experian to please investigate and delete these unauthorized inquires from my Experian Credit report. As a result i am contacting your agency to request assistance with enforcing my rights under the fair credit reporting act. There is already a Fraud Alert listed on my Experian Credit File. When I reviewed the fraud alert, I observed that the telephone number listed on the fraud alert is also fraudulent. I need this information updated to show the correct contact number, and I need the fraudulent credit inquiries deleted from my Experian Credit File. I thank you in advance for your assistance with this problem, and Happy Holiday 's.
Consumer complaint received 2020-11-25
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Block, Inc. (WI)

They scammed me on cash app, they asked me to download XXXX app and they started manipulating my phone. They asked me to removed my card bank on my app, they gave me a new card number but i cant see it on my cash app. Then they asked me to add cash {$100.00}, {$100.00}, {$59.00}, {$59.00}, {$50.00}, {$49.00} the total amount of {$410.00} i added cash. They asked me to transfer money to my husbands cash app and asked me his last 4 social security i gave them. When i came to realized that those people are scam i requested the refund from my husbands cash app. And came to re-transfer it again and transferred in our account. Yesterday when i checked out my account i seen those people took the money. The date was XX/XX/2020.
Consumer complaint received 2018-04-12
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 — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO. (OH)

I called Chase bank on the phone to close out my account after paying off the balance that was displayed online. I told their customer service rep to close my account and at which time was told my balance was XXXX. The account was closed, but later there were " pending '' charges of which they did not tell me would stay on my account. These " pending '' charges that I was not told about stayed on my closed account, racked up fees and eventually went past due and I was reported to the credit bureaus as past due. I never received any statements in the mail from chase about these past due charges. I only found out after a credit monitoring service alerted me to the fact. Despite calling chase, and getting the fee 's reversed and the balance paid out, they told me I was not able to reverse the ding on my credit report. 

I really feel that this issue is with Chase 's website. I don't feel that the probably display if you have any pending transactions on a closed account, and at the time of me closing my account it said on their website " Balance XXXX '' This is very misleading. I never received any emails/letters in the mail about this matter either. Thankfully the bank reversed all of the fee 's and interest, but said there was no way for me to reverse the hit on my credit report. I was planning on buying a house in the next few months and now this might cost me money or ultimately hinder my ability to get a mortgage.
Consumer complaint received 2020-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

The CFPB NEEDS TO INVESTIGATE THIS NOW!!! My name is XXXX XXXX DOB XX/XX/XXXX. When I spoke to the rep and paid this account in full once out of the hospital, he just me 100 % All that was owed on my account back to XXXX was a {$35.00} late fee that I filed a Reg Z dispute for and THEY NEVER RESPONDED!!!!! I ENDED UP WITH OVER A {$200.00} BALANCE OVER NOT PAYING A {$35.00} LATE FEE I DISPUTED. Then here is the best part- IT WAS WAIVED WHEN I PAID THIS ACCOUNT IN FULL BECAUSE IT WAS INVALID!!!! XXXX XX/XX/XXXX is in violation of UDAAP, Reg Z Billing disputes and FCRA! They continue to report my account past due for XX/XX/XXXX XXXX!!! They clearly know I had COVID in early XXXX and did not get out of the XXXX and back to normal until early XXXX!!! NO ONE WOULD TALK TO MY HUSBAND TO GET ME ANY HELP ON MY ACCOUNT!!!! THEY SAID HE WAS NOT ON THE ACCOUNT AND COULD NOT ASSIT HIM!!! HE THEN PASSED AWAY FROM XXXX IN XXXX BY THE TIME I COULD GET IN CONTACT WITH MY XXXX XXXX I HAD {$100.00} 'S IN LATE FEES AND MY CREDIT IS RUNIED!! They told me, oh had they been aware, there was options that could had prevented all of this!! Well my husband tried making them aware!! They would not talk to him!!! The same for my XXXX XXXX Account! I almost died from XXXX AND THESE XXXX UP LENDERS DO NOT CARE ABOUT THE CONSUMER!!! THIS IS UDAAP!! HOW COULD I WHEN ON LIFE SUPPORT CALL ANYONE AND THEY WOULD NOT TALK TO MY HUSBAND! ONCE I COULD, I PAID THIS ACCOUNT IN FULL AND THE COLLECTION REP SAID, MY CREDIT SHOULD BE CORRECTED, BUT I WOULD NEED TO FILE A DISPUTE FOR BOTH THOS ACCOUNT AND XXXX. HE SAID SOMEONE SHOULD HAD TALKED TO MY HUSBAND AND I SHOULD HAD BEEN OFFERED THE ASSISTANCE OPTIONS THAT WERE AVAILABLE!!! I PAID THIS ACCOUNT IN FULL AND THEY TOLD ME MY CREDIT SHOULD BE FIXED NOW FIX IT!!! I HAD TO XXXX MY DAUGHTER WHO DIED FROM XXXX LAST MONTH BECAUSE THESE CARELESS JERKS RUNIED MY CREDIT!!! I COULD NOT AFFORD NOR GET A LOAN TO GIVE HER A PROPER FUNRAL!! THEY NEED TO BE HELD ACCOUNTABLE FOR THIS!!! OH - THE REG Z VIOLATION IS THEIR FAILURE TO RESPOND TO MY BILLING DISPUTES I ISSUED TWICE!!
Consumer complaint received 2020-12-29
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: TRUIST FINANCIAL CORPORATION (FL)

I applied for a loan under my business name with the dealer. The application I completed was a business application through Suntrust Bank. I signed the application as a guarantor for the loan. I later found out that Suntrust bank put me as a cosigner and not a guarantor and the debt now show up on my personal credit report. 
I didn't apply for a consumer car loan, I applied for a business car loan. Suntrust Bank misrepresented the loan product and my credit has been impacted because of it. After speaking with several different departments, Suntrust said this is their standard practice. It's not legal to misrepresent their products to secure a new bank client.