davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIRST PORTFOLIO SERVICING INC (TX)

On XX/XX/23 my auto pay payment of XXXX was processed 18 times and deducted from my bank account as well for XXXX they placed a restriction on my account for that I guess after they figured out it was a glitch in their system because their system would not allow a payment to be processed but every 13 days so they then have told me for a month I would be receiving my refund within 7 days for a refund. I still havent received any letter stating that they closed my credit card or anything. By the way all the payments cleared and now they are requesting proof that the payment was taken from my account. Since then I closed the bank account due to this happening. The payment isnt returned unpaid so I feel like thats proof enough they have the money. Also 2 months prior I had to send documents proving owner of account for my bank and they have those documents. I have the voicemail saved from their representative telling me my account was unrestricted and the documents were valid. Everything was fine till the overpayment then they said that the restriction was removed by mistake no it wasnt, anything and everything to stall on sending the refund. They basically told me they dont have to give it back.
Consumer complaint received 2022-07-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (AL)

A friend sent money through CashApp to me and accidentally sent it to my old cashapp account. 
The money was sent on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I have tried to receive access to my account numerous times and because I now have a new phone number and new phone as the account was linked to an older phone, they are refusing me access to my old account with no reasoning. 
Attached are screenshots from my friends experience with contacting them and mine.
Consumer complaint received 2024-08-07
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)

The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TN)

In XXXX of this year, I purchased a XXXX XXXXXXXX XXXX from XXXXXXXX Nissan. I applied with the XXXX manager for the loan. I gave him my correct social security number, if it was incorrect I would not be able to purchase the car. I had to call Nissan Acceptance about my payments, when they asked for my social security number to verify my information they would say, incorrect social security number. Yesterday 2 customer service agents I spoke with, one was XXXX XXXX. She mentioned to me that the XXXX XXXX from XXXX Nissan, which was sent over by them to Nissan Acceptance had another social security number. 
Yesterday I spoke to a total of 3 agents from Nissan Acceptance. Each one told me that my social security number didn't match what I was giving them. XXXX XXXX told me I had to print a form from XXXX XXXX XXXXXXXX. I printed the form, filled it out, and then went straight to the dealership XXXX Nissan. XXXX gave me a copy of my credit application, which I will submit. As you will see, my social security number on the application is the CORRECT ONE!!! Nissan Acceptance someone has done something shady and they think I am XXXX!! I want to get an attorney and sue them for the problem they have caused me.
Consumer complaint received 2023-03-14
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. (NY)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX 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
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2023-07-05
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: EQUIFAX, INC. (SC)

XX/XX/2023 up until XX/XX/XXXX someone stole my identity. First of all I began receiving text that said I changed my passwords and they came quickly about XXXX in XXXX minutes then my phone and email addresses were no longer available. I didn't realize what happened because I have never experienced fraud such as this before. I wasn't able to retrieve my cell phone services because the company said the scammer locked everything down they weren't able to open the account. In the meantime I noticed a XXXX XXXX financial loan was approved online but never picked up by the scammer and an XXXX account for {$5700.00} was given to the scammer. I have a great deal of inquiries from the dates given that have brought my score down tremendously. I have requested my credit report XXXX times and I still have not received from Equifax and XXXX. I have tried to explain I did not open this account.
Consumer complaint received 2024-09-20
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Consumer Portfolio Services, Inc. (GA)

I noticed that an account from consumer portfolio service is listed on my account as a charge off as profit and loss so I contacted the company and requested a 1099C since they are listing it as a profit and loss that means I need to claim it on my taxes I sent them a letter they never responded to the letter, but I also had emailed them when they emailed me trying to collect on the debt that they have listed as a profit and loss requested them to provide me with a 1099 at which time they told me that they would only provide me with a 1099C if I had paid the debt in full I will then receive one. I dont know if they are aware that them say that this debt is a profit and loss and buy them not provide me with the 1099C that they are committing tax fraud. And this account should not be listed on my credit report.
Consumer complaint received 2022-07-25
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (GA)

I had unknown charges to my account I contacted support through chat on phone app. I informed them I had unknown charges- for the first 5 days I was told there was no way to recover money and to be more careful with my money ( see pic 1-4 ) after doing my own due diligence I learned I can dispute a charge and have XXXX liability and when I informed support I knew I could dispute they finally provides me with kink 2 days after I filled dispute I received an email stating dispute received card cancelled order new one through app. The next day i received another email stating I am getting a provisional credit because investigation is going to take longer then 10 days, I still have yet to receive credit and it has been 14 since I filled dispute and 12bdays since email I have contacted support numerous of times each time the say look for email response my case has been escalated 14 times and chat is abruptly ends and yet still no response or email now I trying to call them and I am getting hung up on 3 times today just hang up I have called merchant and they are unable to credit my account because they tell me my bank took money back already
Consumer complaint received 2024-09-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NY)

So I lost my wallet and my phone on my birthday XX/XX/year>. I was then able to retrieve it weeks later and didn't look at my bank account that very moment. After reviewing my account XX/XX/XXXX I noticed there was transactions I did not make. I contacted Wells Fargo about it and they told me they'll investigate. I called today XX/XX/year> and they told me I made all the transactions and they can not do anything about it.
Consumer complaint received 2022-07-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (VA)

Someone hacked my cash app and stole money that was initially in my cash app and then requested money from my bank debit card and took that too. I reached out to cash app via their support team the day it happened but they refused to help me. I disputed the transactions with my bank and got most of my money back however cashapp is holding me responsible for the negative balance due to that dispute, plus they claimed to investigate the fraud but never did- they simply got back to me in a matter of hours and said the charges were authorized by me. The transactions are listed here : XX/XX/XXXX XXXX XXXX Cash App payment {$0.00} {$99.00} XX/XX/XXXX XXXX XXXX Cash App payment {$0.00} {$98.00} XX/XX/XXXX XXXX XXXX Cash App payment {$0.00} {$82.00} XX/XX/XXXX XXXX XXXX XXXX Standard transfer {$0.00} + {$99.00} XX/XX/XXXX XXXX XXXX Cash App payment {$0.00} {$99.00} XX/XX/XXXX XXXX XXXX XXXX Standard transfer {$0.00} + {$99.00} XX/XX/XXXX XXXX XXXX Cash App payment {$0.00} {$99.00} XX/XX/XXXX XXXX XXXX XXXX XXXX transfer {$0.00} + {$99.00} XX/XX/XXXX XXXX XXXX Cash App payment {$0.00} {$99.00} XX/XX/XXXX XXXX XXXX XXXX XXXX transfer {$0.00} + {$98.00} XX/XX/XXXX XXXX XXXX Cash App payment {$0.00} {$98.00} XX/XX/XXXX XXXX XXXX XXXX XXXX transfer {$0.00} + {$10.00} XX/XX/XXXX XXXX XXXX XXXX XXXX transfer {$0.00} + {$86.00} XX/XX/XXXX XXXX XXXX Cash App payment {$0.00} {$98.00} XX/XX/XXXX XXXX XXXX XXXX XXXX transfer {$0.00} + {$49.00} XX/XX/XXXX XXXX XXXX Cash App payment {$0.00} {$49.00} XX/XX/XXXX XXXX XXXX XXXX XXXX transfer {$0.00} + {$99.00} XX/XX/XXXX XXXX XXXX Cash App payment {$0.00} {$98.00} XX/XX/XXXX XXXX XXXX XXXX XXXX transfer {$0.00} + {$99.00} XX/XX/XXXX XXXX XXXX Cash App payment {$0.00} {$99.00}
Consumer complaint received 2022-07-24
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: Block, Inc. (IA)

I have received 3 unsolicited business debit cards from SQUARE. I attempted to call them as well as contacting on XXXX, XXXX and email. I am not a customer of SQUARE so its next to impossible to speak with them as the routing options on their phone system is only for customers with customer numbers. I asked them to stop sending me debit cards in the mail but I continue to receive them and no resolution from SQUARE. This is harassment possibly identity theft. No one from SQUARE has reached out to me by phone to discuss the problem or offer resolution
Consumer complaint received 2022-07-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (MI)

My payroll check was never intended to go to my cashapp account, someone changed my direct deposit and had my check coming to a cashapp account that isn't mine the account number. Deposit Date : XXXX XXXX Deposit amount : {$1800.00}. I spoke with several representatives through cashapp and was hung up on, told to go through email that doesn't get a response, and then spoke with a representative that said I could email him then he directed me to a dead end. I gave the ACH trace number as requested then I was told that I needed to have my payroll contact them and submit a reversal which were both done and they have gotten no response from Cash App or XXXX XXXX. This has been going on for over XXXX months now. Instead of reversing the payroll check that was going into an account in another individuals name that place the funds in the account and will not refund me my hard earned payroll funds.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc. (CA)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and 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 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 XXXXXX/XX/XXXX
Consumer complaint received 2023-11-20
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: SANTANDER HOLDINGS USA, INC. (RI)

I Have been a customer with Santander Bank since XXXX, on XX/XX/XXXX, I received a letter that they closed my account, so I went to the bank. The manager there explained that he would not know the reason why they terminated the relationship, only the back office would know. I have 4 accounts, 2 private, 1 regular checking and one savings. On XX/XX/XXXX the manager explained that since the accounts were closed I should be getting the funds within 7 to 14 business days. The 2 private accounts have a total of {$160000.00} the other accounts total about {$3900.00}. I called the 1800 a few times to no avail. I visited different branches of the bank over 4 times to no avail either. 
one of the managers at one of the branches claimed that santander had mailed two checks ( no amounts were disclosed ) but were returned because it was the wrong address. ( I lived in the same address since XXXX, How do I continue to receive letters from santander at the same address they claimed they sent the checks? ) On XX/XX/XXXX I called and spoke with one of the managers of another branch, who suggested for me to write a letter to their corporate office explaining to them that it has been 30 days and I still haven't received the funds. I refused to write a letter is just going to be a waste of time!! 
I really need help getting my money back. It's been 33 days and nothing has been done. 
Please help me recoup my money. Thank You.
Consumer complaint received 2024-09-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I won XXXX on XXXX XXXX on XX/XX/year>. I sent it over to my bank account on XX/XX/year> early morning and it was completed before noon. I was even able to use {$20.00} of the amount after it was sent over. The thing is my account was overdrafted XXXX something and the deposit cleared that amount out and left me with about $ XXXX {$390.00} in my account. Hence I was able to send $ back to fanduel to use. I noticed I couldnt use my debit card so I called Citizens Bank and they stated my account was in credit only status. I have to call Monday to change that over. I called Monday and they said my account was 60 days overdrafted and I couldnt use it anymore I would have to contact the recovery department to get my available funds. Ever since that day and after the Citizens app has now wiped all my bank information you cant see the deposit on there or in my statements and they say I still owe money from the overdraft amount. I have proof I received the deposit and that it was completed plus other deposits from XXXX that was sent to my bank account. Please help I believe they system just had a glitch and lost my money cause the account was over the 60 days overdrafted.
Consumer complaint received 2022-08-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (TX)

I have a cash app account that suddenly stopped letting me sign in, recently my brother accidentally sent money to this account and I needed immediate access to it for an emergency. I called cash app to either get access to it or get my money and they refuse to help me in any way stating that it's for my protection. I verified everything that they asked of me and still no help. Keeping my money after verifying my information is theft, I want all of my money back.
Consumer complaint received 2022-08-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (TX)

XXXX XXXX XXXX XXXX {$560.00} sent to the wrong recipient on Cashapp. 
I sent {$560.00} to the wrong recipient on Cashapp, the money was for my car payment. I emailed cashapp and they told me they couldn't do anything about the money that it was just lost money and I wouldn't get it back. I tried everything even contacted my bank and no luck getting the money back.
Consumer complaint received 2024-07-17
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: TD BANK US HOLDING COMPANY (MD)

TD Bank is charging a higher interest rate than they are contractually allowed. Consequently the balance is not diminishing due to the inordinate amount interest. They refuse to respond to my claim. Instead they have increased the harassing calls in response to my complaints.
Consumer complaint received 2022-08-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Block, Inc. (OH)

I received a new business debit card on XX/XX/2022 through the XXXX  Mail from Square, issued by XXXX Bank. I have had no previous business interaction with Square. The card I received was for a new business checking account for which I didn't apply. I did not attempt to activate or use the card. I contacted Square customer service on XX/XX/2022 at about XXXX XXXX XXXX. The person I spoke to took my name, email address, and the account number from the card. I explained that I had received the card without applying for a new account. The representative from Square checked the account, saw it had no account activity, and immediately had the account closed. I asked the representative about submitting a fraud report with the FTC. They agreed and recommended that I file a report. 

The issue was resolved quickly and easily, but I still decided to file a report so there would be a record of the event.
Consumer complaint received 2022-07-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc. (MD)

A violation of Article II. Terms Between me and Cash App has occurred were as in Cash App has not stored a P2P Payment received one having a transaction identifier ( # XXXX ). 

Cash App instead states an inability to locate any {$30.00} transaction that occurred and instead associated transaction identifier ( # XXXX ) from the XXXX with one completed on XX/XX/2022, having a transmitter Identifier of # XXXX. 

Furthermore, Cash App has insisted to disclose possible account activity that is irrelevant to that violation instead of crediting the amount associated transaction identifier ( # XXXX ) as promised.
Consumer complaint received 2022-08-10
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (NH)

On or about XXXX XXXX I used my cash app card to pay a {$25.00} pet fee at a hotel. I signed the slip stating {$25.00}. This was not a hold for incidentals. 

The next day the hotel changed the charge to {$170.00}. The next day they changed it to {$250.00}. They then submitted for payment for {$300.00}. I did not authorize this nor is there a reason for this. 

I immediately told Cash App not to pay this but they paid it. In XXXX I filed an official complaint. It is now XXXX XXXX and I'm still waiting for my {$270.00}. Cash App continues to say they are investigating.
Consumer complaint received 2022-08-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (IL)

I was scammed out of {$120.00} and asked for help from cash app and didnt receive any and under article 315 of the revised penal code that such false pretense or fraudulent representation was made or executed prior to or simultaneously with the commission of the fraud ; that the offended party relied on the false pretense, fraudulent act, or fraudulent means and was induced to part with his money or property ; and that, as a result thereof, the offended party suffered damage.
Consumer complaint received 2022-07-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (VA)

I, have a complaint, about, my money, being taking out of cash ap, account, that wasn't, authorized, by me! upon checking, my balance! on XXXX! XXXX i had, {$950.00} in, my account upon me, checking, XXXX i seen, that my account, showed a XXXX balance because the, activity page showed that! XXXX, transactions! that I had nothing to do with, was the reason! the first, XXXX XXXX XXXX  XXXX, convenience store, located, in XXXX, mi. For the amount of {$96.00}, the other XXXX, was made by XXXX! {$49.00}, the next, XXXX, the amount {$240.00} the last one! for the amount of {$560.00}, all I believe made in, acording, to the statement! XXXX California! I contacted, cash ap, about this offence, by e-mail, and phone to XXXX different! reps '' they said they, couldn't investigate, while, the transactions was pending, and I would have to wait, 10 days! why is this when! they allowed some one! from XXXX different, locations! To get my, money $ then allowed, then to, back in my account! {$66.00} that, is not, mine, please, help me to get my {$950.00} dollars back! with warm! " regards