davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-10-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am a victim of XXXX XXXX XXXX XXXX. I bought a condominium unit in the year XXXX which is located at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX California XXXX. I am and was the first and only XXXX female condominium unit holder at the condominium complex in XXXX XXXX. 
I have gone through many years of discrimination due to the XXXXXXXX XXXX XXXX XXXX and being of XXXX decent, originally born in XXXX and XXXX. 
I have reported the acts of discrimination over the years to the XXXX XXXX, the then Attorney General ( XXXX XXXX ), and I have filed complaints with the small claims court for many wrongful instances levied at me because of the XXXXXXXX XXXX XXXX XXXX. 

Case # XXXX is currently being litigated in civil court for XXXX XXXX XXXX. Judge XXXX XXXX XXXX XXXX is the presiding XXXX. Bank of America accepted a pay of my mortgage loan which I signed in a contract with the bank, and was carried out without my knowledge or consent. 

I am homeless and there is not judgement in the case. I need Bank of America to be held accountable for breach of contract in light of the FACT I had reported to Bank of America the I was a victim of Senior Real Estate Fraud from the day the fraudulent activities were levied/committed against me by XXXX XXXX XXXXXXXX XXXX for a special assessment debt to pay back an intended ( to borrow a loan ) from a financial institution in California which was not successful, due to credit unworthiness. the loan was finally borrowed from a banking institution in the state of New York, months later the lien was recorded against my condominium unit on XX/XX/XXXX. Thank you.
Consumer complaint received 2022-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Block, Inc. (CA)

over 3 weeks ago I tried to Cash out money to my bank account. Cash App said it takes 5 business days. After the fifth business days I asked if they can retract my money and out the money back in my Cash App. They said that takes 3 business days and it's been longer than that. The money still isn't in my account. Cash App has repeatedly said they are awaiting for my bank to reverse the fees, my bank confirmed there's no fees to reverse. Cash App said the Cash App happened on XX/XX/XXXX I uploaded my bank statement to show I got no deposit from Cash App. In their response to my complaint they said they reached out to my bank. My bank confirmed this has not happened.. I included my bank so they can respond, to confirm these things dis not happen
Consumer complaint received 2024-09-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

XX/XX/XXXX - I put in a request to wire $ XXXX in funds from my BofA account XX/XX/XXXX - The bank flagged it for fraud activity and canceled the wire XX/XX/XXXX - I tried to wire {$15000.00} to a XXXX Account, this was also flagged, and when I called in, they said it was under review. They felt it was fraud again. We both agreed it would be canceled. I went to log into my account later that day, and my online account was locked. When I called customer service, they said my account was under review. I called in several times, and the customer service agents and fraud group would not provide me any updates except, " The account is under review '' XX/XX/XXXX - I called customer service again, and they said they had decided to end our relationship. I asked why, but nobody would provide an answer. Instead of arguing why they closed a XXXX yr relationship, I requested information on the procedure and timeline to close the account, so I knew what to expect and when I could get my money. They said they weren't sure and were not clear on when it would close. I needed the money for day-to-day expenses and family requirements. They said they would officially close the account on XX/XX/XXXX, and I would be provided a tracking # on the cashier 's check with my funds. This was not acceptable, however I felt I had no choice. 
XX/XX/XXXX, I called Customer service and said I had not received any notice of account closure and tracking # for my cashier 's check. The agent said my account is under review and could not tell me anything else. I asked, why it was under review and he could not answer. He said that the " estimated '' closing date for my account was now XX/XX/XXXX and that there is nothing else he can do. I asked to speak to his manager or anyone who could shed light on this situation, and he said there was nobody he could connect me to. 

At this point, I feel that I'm being unfairly treated, and wrongfully accused of something I have no idea of. On top of that, BofA are simply holding my money indefinitely until they see fit. I have no idea of my situation and when I will be resolved. 

This treatment is absolutely unjust.
Consumer complaint received 2022-05-15
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: Block, Inc. (OH)

Trip to XXXX on XX/XX/XXXX, for the total cost of XXXX canceled by the airline. I was supposed to be refunded for the journey but haven't. I contacted cash app and haven't heard anything back. This is unacceptable ; this is the 3rd time I am rightfully entitled to a refund. The airline reported issuing a refund, but cash app hasn't returned my funds. The other two transactions happened on XX/XX/XXXX, and XX/XX/XXXX ; both were part of a payment plan for a product that was never received. Cash app refunded the transaction but later reverted the refund even after the company stated that I was entitled to a refund.
Consumer complaint received 2022-05-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (CA)

This month someone sent me {$100.00}, but all that showed up in my account was XXXX dollars. Then I receive a text message from cashapp saying the money was returned to my bank and to please allow 3-5 days for my funds to be available. I did just that. When I started reached out to customer support they would keep asking me what transaction was i having a problem with and I informed them that there are multiple transactions. Then the chat would suddenly close. This has been ongoing like this for the last 2 years. Many times I knew I had a certain amount, but then cashapp will post transactions that were same transactions that were previously debited. So along with money that I should have had, and the duplicate charges something that was already paid and I have lost a lot of money and they are referring me to contact the XXXX XXXX XXXX, in XXXX. I have sent emails and called long distance in hopes to resolve these issues and get my money back! 
They also advertise no feesfor ATM withdraws, which is a lie. Every time I've had to withdraw, I had to pay the machine fee for using the ATM and then cashapp charges me a fee for withdrawing. They also charge transaction fee and no two fees are ever the same amount.
Consumer complaint received 2022-05-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (FL)

I am writing for help to get my balance of {$100.00} that is being held by CASH APP in my account under the user name $ XXXX. I no longer have access to the account since i got a new phone number, and they will not help me update or access my money/ account. I have been trying to contact them on and off since XXXX to resolve the matter, and to date, they have not given me my money. I only get automated responses that don't apply to my situation. 

They have a bad set of practices that prohibits me from being able to access my account simply because I got a new phone number, and wouldn't allow me to update my information. My old phone number that is attached to the account has been reassigned to someone else. I notified them numerous times that I'm locked out of my account and can't get my money. They have done nothing to help me and they have possession of my {$100.00} under that account name. 

I have since opened a new account under the name XXXX XXXX and same email address as before XXXX. the new phone number associated with the new account is XXXX XXXX XXXX. I was hoping they would forward my balance to the new account but I'm entirely frustrated. 

Please help me get my money Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-04
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (TX)

I have had a cash app account for over four years. For the last couple of years I've been buying some bitcoin. And one month ago I decided to transfer some of my bitcoin out of my cash app.

It asked me to verify my account by taking a picture of my drivers license next to my face which I did.

It said that it was gon na take one to two days to complete the verification. I waited about 10 days. I then reached out to support and they said they had my information and that it would take one to two days to complete the verification. I told him I had already waited 10 days. They assured me that it would be done.

I keep getting templated emails from different people that keep telling me they have my information and that it could take up to 72 hours to complete the verification and I have waited much longer than that. 

I have tried to problem-solve this myself by watching XXXX videos and searching on the Internet as to why there is a problem. I even suggested that we upload a new photograph in case the one that I originally uploaded was too blurry to read. I double checked and triple-checked the new photograph and uploaded it via their secure link. 


Every time I contact support they are basically saying the same thing and even though I'm telling them that it's been several weeks that I have been trying to get this accomplished They just come back with a templated email saying that it could take up to 72 hours one time they said it could take up to 10 days. 

This makes no logical sense because what they're telling me that amount of time has already passed and then some. I politely explained my situation and they keep sending me the same types of response and then sign off. I have asked to speak with a manager or a supervisor I have asked them to escalate the case so that we can get this resolved and I feel like I'm talking to a robot. No matter what I say I just get more templated emails. 

I have approximately {$8000.00} USD worth of XXXX in this app that I am unable to access. 

Once again thank you very much for helping me to resolve this problem.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (LA)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2022-05-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (TX)

I had an email from cash app that I had an email sent too me saying I had an unrecognizable device logged my account. I logged into my cash app account from my cellular phone which is the normal way I log in through the app. And while I was logged in apparently someone else was also because they changed my primary notification cell phone number to some other unknown unrecognized phone number and I got sent a notification. I went in and changed that phone number back to my correct phone number and change my email back to my correct email, which they had apparently changed also. And as soon as I changed my phone number back to the correct phone number I got a notification that it had been rechanged to some other unknown phone number again. Also as soon as I logged into my account I saw a notification that someone named " XXXX '' had requested {$75.00} and while I was changing my email address and cell phone number back to the correct information someone else approved that request and sent the {$75.00} on his way to this XXXX person. I immediately was trying to secure my account and change my password. And when I went in to change my password every time the only thing I could get was an error message that the last cell phone number that had been input was not available or appropriate and was not linked. The app simply refused to allow me to change my password instead it sent me to the only option it had was to contact customer service and at that time of the day the only contact customer service was through chat. And apparently at that time of day they were unavailable because they did not contact me until the next morning! The app simply refused to allow me to change my password and secure my account! I had gone ahead and started the chat to customer service but then realize that no one was there to reply to me, but they did reply the next day. I had already started and filled out all of the information for them as far as the unrecognized unauthorized transaction for {$75.00} and they sent me a follow-up for a little bit of further information which I replied to. They notified me that the claim decision number was XXXX
Consumer complaint received 2022-05-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (AL)

On XX/XX/22, I purchased a sewing/embroidery machine for {$470.00}. When I attempted to send money to the seller, the transaction was denied as my identity needed to be confined. I checked my bank app and did not see a pending transaction nor did I see an email to verify my identity from Cash App. The seller requested the funds through Cash App. The transaction did go through that way. I could see the pending transaction on the bank app, my cash App and the seller Cash App show that the one pending payment for {$470.00}. I checked my bank app later that night and noticed two charges went through. I immediately contacted Cash App. They informed me that the seller accepted both payments and I would have to request a refund from the seller. I contacted the seller and met in person. I could see her cash app only showed one payment received from me. Cash Apps website states you can dispute a charge where services and goods were not received. I went this route as one charge I did not receive good and services for and was not authorized. Cash App refused to file a dispute and continues to state the seller received both payments. My bank institution even joined the call and we were told the same thing and that they could not assist us further.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX is reporting a late payment for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. With today being XXXX its not even 30 days since the due date so its not 30days late. 

2- payment show {$43.00} past due. So payment was made 3- the account is on auto pay each month with them so they take the payment out on the XXXX each month
Consumer complaint received 2022-05-03
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: Block, Inc. (PA)

My name is XXXX XXXX, and I have never headed about a dispute, yet my dispute was for Membership Fees XXXX  that happened on XX/XX/2022, for {$64.00}. My case number Is XXXX and XXXX, and my cash app tag is $ XXXX. Please open my dispute and give me credit.
Consumer complaint received 2023-03-17
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)

This is my third request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$160.00} XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance XXXX {$76.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX {$680.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance XXXX {$59.00} XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX Balance : {$59.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2800.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$750.00} XXXX XXXX XXXX Creditor : ) XXXX Balance : {$84.00} XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2022-05-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (OH)

I was referred to you by The XXXX XXXX XXXX  who are still helping ne with my case. I paid {$37.00} to a scammer on Cash App. I was to get money in return they were doing a giveaway to people on XXXX. They wanted more money before it went further. I also sent them {$54.00} in XXXX they can't get back for me. They don't care I was scammed and am poor and need my money. It occured on XX/XX/2022. Cash App refuses to help me. I don't want any other person going through what I am. The messages I have received from them shows that they don't care what happened. Not sure there is anything you can do to help me. 

Thank you, XXXX XXXX
Consumer complaint received 2022-04-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (MO)

My mother passed away XX/XX/XXXX. My manager collected donations and sent me {$55.00} to cashapp # XXXX on XX/XX/XXXX. That was an old cash app account that the telephone number on file I no longer have access to. 

Since XX/XX/XXXX I have verified all information cash app requests and still will not let me gain access to the account. The only thing they haven't asked me for was my ID, birth certificate, or social security card which I have offered many of times. They also refuse to reverse the payment back to my manager. They are stealing and is ridiculous I have to go this route
Consumer complaint received 2022-04-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Block, Inc. (MI)

you cant even talk to someone about your problems because they only do email and you still dont get the issue resolved cash app is a horrible app an has taken thousands of dollars from me an never have i once talk to a real person to get my issue fixed on so many occasions
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I have submitted multiple complaints to Equifax, XXXX, and XXXX. They have not completed an investigation. I have addresses that I have never lived at and accounts that are erroneous. I am hoping with the help of CFPB that my investigation will actually happen. Please see my letters with 3-bureau tables showing all of the discrepancies in my credit report.
Consumer complaint received 2022-04-14
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: Block, Inc. (CA)

I was given an {$1800.00} usd refund by the internal revenue service for my 2020 taxes. It was transfered to, " cash app. '' During this period I requested a replacement card with the same 16 digit number on it, I believe this was done accurately because of the pending deposit. The routing numbers were not the same when I checked apon my receiving of the new card at XXXX XXXX XXXX. XXXX XXXX, California. No single dollar has been dispensed to me from. XXXX XXXX XXXX XXXX  or the Cash App... to date. I have since discontinued using the card $ XXXX. My new cash app is $ XXXX. Same legal name and social security number... please assist me in the collection of this debt. I am XXXX  in XXXX and desperately in need of this relief. XXXX XXXX