davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-10
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Koster's Cash Loans (NV)

I was notified by my employer that Kosters XXXX has issued a wage garnishment against me. I was never notified of any court date nor was I ever served a court summons. Kosters has not attempted to reach out to me nor have they sent any certified mail to my residence to inform me of their intent to sue. I would have gladly paid any amount I owed, but I am not responsible for any court or attorney fees when I was never even issued a summons. I called and spoke with a representative in their Legal Department today and was told I have to pay a balance of over {$1500.00} in full when I truly owe the company less than {$300.00} and the representative refused to provide me with the original terms of my loan.
Consumer complaint received 2023-05-01
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: Experian Information Solutions Inc. (MI)

Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i
Consumer complaint received 2021-10-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (IN)

On XX/XX/XXXX, I had a series of transactions attempted on my account. Two ( 2 ) were approved to XXXX for the amounts of {$32.00} and {$49.00}. I researched the merchant and its affiliates and confirmed that I had never done business with the merchant. I contacted CashApp ( Square Inc/XXXX  XXXX  XXXX to report the transactions on the CashApp Visa. I was told that I couldn't dispute the transactions until the transactions hard posted to the account. The card was shut down and replaced. On XX/XX/XXXX, both transactions posted and I contacted CashApp and disputed the transactions. On XX/XX/XXXX, I received a response that the transaction would be disputed and the merchant the network allows 45 days to review and resolve the claim. No mention of a provisional credit as required by Regulation E ( EFTA ). 

The very next weekend on XX/XX/XXXX, two more transactions posted to my account with the new CashApp Visa card that had not yet been activated. The transactions were to XXXX in the amounts of {$220.00} and {$26.00}. On XX/XX/XXXX, I reported these transactions and asked when a provisional credit would be issued. I was told by the agent that the transaction would be disputed but no further discussion could be done regarding the process. I then responded to the dispute analyst that was handling the first two transactions, he said they had 45 days. I shared with him my extensive knowledge of financial services regulations because of my job and 20 years in the industry. I advised I am supposed to receive a provisional credit. I have yet to receive a response.
Consumer complaint received 2023-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. No consent is fraud. Please see this account is removed from my file. XXXX XXXXXXXX XXXX XXXX  XXXX Date Opened : XX/XX/2014 Balance : {$0.00}.
Consumer complaint received 2023-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am a victim of identity theft. I have filed identity theft and police reports. I have also contacted all 3 consumer reporting agencies. It is almost 60 days the accounts are still on my report, and I have not received any correspondence from the consumer reporting agencies. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer Information to the best of their ability with MAXIMUM accuracy. I have never opened any of these accounts. Please investigate and provide proof. If proof can't be provided I demand these accounts be removed from my credit report. Thanks.
Consumer complaint received 2021-10-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc. (FL)

On Saturday XX/XX/XXXX I received a text on XXXX from an XXXX user name XXXX, I knew XXXX from XXXX. The message was to me individually and stated that an investment in bitcoin for {$500.00} could help you make {$1000.00} in a few hours. Inwas skeptical about the message however XXXX continued to converse with whom I thought was XXXX XXXX to inquire more. The person who sent me to another person 's account who was supposed to be a XXXX  investment person. This person walked me through the " process of investing on the bitcoin ''. They had me walk through a variety of steps that didn't work, then they sent me to a bitcoin website for me to register... they then said I had to send the XXXX to XXXX  cash app to invest it into the bitcoin. After meticulously walking me through the steps they had me log in to see my " investment ''. It took about 15 minutes which I know now was time for them to steal my money. After I was having trouble logging back in to the website.They sent me a website in which was supposed to have my bitcom money of XXXX. They asked for my recovery number becauss when it was time to tradd the money disappeared. I stupidly thought it was for the money to be traded. My boyfriend amd I were in desperate need of cash flow which is why I was overly naive in this situation and the conversation with someone I know and trusted lasted fir a length of time s in need of cash flow and because it came from someone I trusted I thought it was legit. They then signed me up for a fake website XXXX  XXXX  and XXXX  XXXX. The phone number they added to my XXXX  account was XXXX the location was from an XXXX phone in XXXX XXXX, NY. I really want them prosecuted. My instagram login has always been with email XXXX and via my phone number XXXX XXXX XXXX
Consumer complaint received 2021-10-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (PA)

On XX/XX/XXXX - {$2000.00} was taken from my bank account via cash app and sent to a weird XXXX address. 

On XX/XX/XXXX - {$200.00} was taken from my bank account via cash app and sent to a weird XXXX address. 

On XX/XX/XXXX - {$1100.00} was taken from my bank account via cash app and sent to a weird XXXX address. 

I first contacted Cash app notifying them there was fraudulent activity on my account and I have no idea of why this money was sent or aware of where it was sent. They refused to help. In XXXX I decided to take this to local police department since cash app refused to help. I filed a police report. Cash app then sent my detective a link to send his information. He even got information signed by a judge as required by cash app. To this day now almost 10 months later nothing has been done and I have yet to receive a penny of what stolen from me at the expense of the Cash App platform. My cashtag is XXXX XXXX
Consumer complaint received 2023-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a victim of identity theft. I have filed identity theft and police reports. I have also contacted all 3 consumer reporting agencies. It is almost 60 days the accounts are still on my report, and I have not received any correspondence from the consumer reporting agencies. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer Information to the best of their ability with MAXIMUM accuracy. I have never opened any of these accounts. Please investigate and provide proof. If proof can't be provided I demand these accounts be removed from my credit report. Thanks.
Consumer complaint received 2021-10-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (WA)

I reported my cash card lost/stolen in XXXX.. after receiving my new card, I reported unauthorized transactions on my card that was canceled.. I pointed out specific transactions and a specific card number.. my complaint was ignored. Somehow the card is linked to my current account for direct deposit along with 4 authorized users that I did not approve. Cash app should be held accountable for all of the unauthorized transactions! I dont know how a card that was reported stolen can be reactivated! My security requests were ignored. I feel like I was discriminated against when I first complained and was laughed at saying there service was secure! I am canceling my account and advising everyone I know to do the same! Their services are not secure!
Consumer complaint received 2023-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am requesting again in regard to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these accounts and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2023-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (ND)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (CO)

During my repayment to EdFinancial Services I have attempted to make monthly payments from two different banks, one a local credit union, and one a major national bank. Once EdFinancial Services accepts my payments they are " reversed '' within a few days, I talked to customer service at EdFinancial Services and they were only able to say that I must have an issue with my bank and their fraud department. I have contacted my bank following that and told them that I wanted to submit the payment and had in fact authorized this withdrawal from my account. EdFinancial Services now says that I have missed three consecutive payments due to them not keeping my money after I have submitted it.
Consumer complaint received 2021-10-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Block, Inc. (MO)

I added a XXXX XXXX  cashback offer to my card and then made a purchase at the relevant merchant for {$19.00}. Before that transaction went through, the merchant put a {$1.00} authorization charge on the card, a normal practice for many companies, which was quickly reversed. The cashback offer was applied to the authorization rather than my purchase. My XXXX  had the exact same issue for her own {$19.00} purchase with the XXXX XXXX cash back offer. I contacted support and was given irrelevant copy-pasted information for XXXX  days until someone finally paid enough attention to understand what my problem was. At that point they essentially told me " XXXX XXXX  '' and ended the conversation. 

If the company is going to act like authorization charges count as the cashback purchase then essentially nobody that ever tries to use the offer will ever get cashback and the company is committing wide scale fraud.
Consumer complaint received 2021-10-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (NY)

I had a Cash App account a few years ago, linked to my then-debit card. I stopped using it as most of my friends used competing services. 

On Thursday XX/XX/XXXX, I had dinner with a friend. He uses Cash App, and he sent {$75.00} to my old account. To access my account and receive the {$75.00}, I re-downloaded the app and tried to log in. To authenticate my account, I was requested to provide my old debit card. I do not have it any more. I contacted Cash App via the app 's support function on either the night of the XXXX or early on the XXXX. 

After repeatedly explaining my situation, I was eventually transferred to their specialty support team via email on XX/XX/XXXX. Since then, I have exchanged 15 emails with their specialty team, where Cash App has not helped. I have been asked repeatedly for the same information and have provided it to no effect. Additionally, I was instructed to create a new Cash App account to get access to my old account, to no effect. I have lost hope Cash App can help me get access to my old account, or to reverse that initial {$75.00} transaction. By my count, I have now been asked to provide my full legal name ( and other basic information ) in the chat support app and via email at least 7 times. 

I am happy to provide personal information and reference numbers to corroborate. 

Case number XXXX.
Consumer complaint received 2023-05-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Hello, On XXXX XXXX, I purchased an TV from XXXX through a 3rd party company ( XXXX ). This tv came out to be {$320.00} which is normally divided into 4 payments which I was ok with. The first payment came out to be {$81.00}. Everything went well and few hours later XXXX sent an email that this package was supposed to be delivered by XX/XX/XXXX. I waited XX/XX/XXXX and nothing was delivered. I waited a few days later, I even tried to reach XXXX, but they stated that they sent the package to XXXX and XXXX was supposed to be delivering the package. Thereafter, after a few days have passed, I went to the XXXX  website, but the notifications stated that this packaged was never picked up and that it was still in the XXXX distribution center. Therefore, I contacted XXXX & stated to cancel this order, since it would never get here. They didnt seem to care, so I contacted XXXX & my bank ( Capital One ) to obtain some kind of resolution. My bank started the disputed transaction and a few days later I obtained a temporary credit on my account for {$81.00}. Keep in mind, I used XXXX as a 3rd Party company, since about 2 months before, I lost my home due to a house fire & needed multiples items to obtain for my rental home. After a few weeks later, XXXX finally concluded that they were wrong and refunded the money, but since the bank contacted XXXX. XXXX closed the file on this account & stated that this transaction was legit and they thought that I was already given the refund, which is totally incorrect. The temporary credit that was given to me by the bank. They took it back even though, I am still owed {$81.00} for an item I never received. 
The bank denied my case and at this moment are doing an investigation. The bank is keeping my {$81.00} hostage for the money I am owed. I have all the proof from XXXX and XXXX, but the bank dont seem to understand.
Consumer complaint received 2023-05-01
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. (FL)

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still many items to be corrected. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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 2024-10-28
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA (GA)

On XX/XX/year> I recieved an e-mail inviting me to apply for the Apple Card. This issuence of this card and the credit offered is the result of a partnership between Apple and Goldman Sachs.

Even though it's advertised as a XXXX, it can only be used at Apple Pay vendors unless you have a physical card. One can't get a physical card unless one uses and XXXX or XXXX. You see, whan can only order the physical card through Apple XXXX which is an app only available on Iphones or Ipads. One can't even borrow a friend XXXX because, the credit card account has to be tied to the device the Apple XXXX is downlaoded to. I called Goldman Sachs to see if they could issue a physical card on their own. I was told they can not. 

Therefore this card is worthless, and it was not made clearl in the advitoris that, the card can only be used if one uses Apple Products. I was over an hour of my time applying for the card and then, trying to get a card mailed to me once, I was approved. 

To be clear, I was approved for the credit line. I don't know if this was a violationg of any refulations or not. I do know, it should be. I want Apple and Goldeman Sachs punished for waisting my time.
Consumer complaint received 2023-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (CA)

15 U. S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY!
Consumer complaint received 2023-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Atlanticus Services Corporation (FL)

Company : Fortiva Retail Credit -Reviewed acct on XX/XX/XXXX, noticed promo option called XXXX XXXX. 

-Had deadline according to website for XX/XX/XXXX, so for approx. {$750.00} debt would be paid. Couldn't make payment by deadline so thought promo was done/finished. 

- Read all information listed on website about XXXX XXXX to avoid any misinformation and also avoid missing steps yo complete process. It was clearly stated on the website/ XXXX XXXX XXXX XXXX XXXX  " learn more '' section that to complete the payment it should be done thru the button " Make a Payment '' I looked and looked thinking there would be a special XXXX XXXX button, but it only stated to click on the make a payment and that once processed it'd be applied as listed in the promo. 

-When ready to pay on XX/XX/XXXX, it was still displaying XXXX but now it said 100 % match and the XXXX XXXX XXXX XXXX, so I paid it. 

-On XX/XX/XXXX spoke with 2 Gen CSRs that had no idea about XXXX, requested to be trsnfrd to someone that would know, was placed on hold several times. I even hung up due to the long wait time and lack of info. 

-Finally spoke to some around the same day that stated I needed to allow 14 days for Pay to process and then it'd be completed, he even said the acct was already closed and just pending payment processing. 

-Waited til XX/XX/XXXX due to acct still reflecting pend bal, was told then to call Collections, something none of the others mentioned. 

-On XX/XX/XXXX called Fortiva 's Collection dept, and was told the same thing, there's nothing they can do, I made the payment online as a reg payment, throughout all the calls I explained what was listed on the website and how there was no information about 2 forms of payment ( one XXXX and the other regular ). The agent stated will submit a req, not high priority or anything and no eta was given. 

I followed the instructions listed on the website and now Fortiva is refusing to match the remaining balance in my account. 
They even referred to the email sent and that email doesn't state anything in regards to having 2 forms of pay XXXX  and reg. 

Please review, thanks.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

Over the past XXXX  years I have been trying to get my Equifax report but every time i log in to my Equifax I get a code : " XXXX '' and ill call and every time they say they will fix this problem but it has been XXXX  years and it still hasn't been fixed. I can see my other credit profiles and reports from the other credit reporting companies but only Equifax is preventing me from seeing mine which is making getting some credit products difficult. I would just like to have this problem finally solved. I have already submitted the documents they have asked me to submit many times to know avail.