davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (IN)

On XX/XX/22 initiated 4 invoices and they were paid on the Square Invoice system. Afterwards I was asked to provide a list on identifying docs via email, which I did. On XX/XX/22 I was informed that my account was deactivated and provided to reason as to why and informed that my balance of {$1900.00} would be on hold for 90 days and that I would have no access to the funds prior to then. I called and tried to get some resolution, but to no avail. Waiting for 90 days for funds that I rightfully own is absurd.
Consumer complaint received 2022-07-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Block, Inc. (LA)

I had a payment card processing account with Square Inc.. On XX/XX/XXXX they sent me an email stating my account was deactivated and I would receive my funds within two business days of XX/XX/XXXX. On XX/XX/XXXX they sent me another email stating " Due to the recent chargebacks on your account, any funds currently in your Square account will be held for an additional 10 days. '' However I have not had a single chargeback on my account. I waited the 10 days anyway and still couldn't withdraw my money so after contacting support multiple times which their customer service is geared so they can steal people 's money. Everytime you contact them they tell you that the team that can release your funds only communicates by email so sit and wait for an email which never comes. It's literally impossible to speak to anyone who has the power to release your funds. So, Finally on XX/XX/XXXX I filed a complaint with the XXXX XXXX XXXX  In retaliation to me filing a complaint a " manager '' from Square named XXXX stating that my funds would be held indefiinitely. Which to me means this is basically a criminal organization that steals money from small business owners. The payments weren't paid to Square customers paid with credit and debit cards with the expecation that I was getting paid for services rendered. Square has no right or reason to just keep my money and I want my money because its not THEIR money its MY money! I'm attaching pdf copies of all the emails I've mentioned as well as a screenshot showing that I have no disputes and my balance.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Nelnet, Inc. (CA)

I'm not sure of the school name but in the past I noticed that netlet was on my credit report. I spoke and tried to dispute it but they say it belongs to me. The only school I went to was XXXX XXXX XXXX. My identity was stolen I made a report with the XXXX XXXX police department in California.
Consumer complaint received 2022-07-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (CA)

XX/XX/2022 cash app with speaking to me on customer support but unknown to me send the money that was in my account back to sender without telling me or even questioning me about anything. You're making me jump through hoops just to get an answer on why this happened and to get it fixed and to credit my account with the money that is mine.
Consumer complaint received 2022-07-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (NV)

I was admitted into XXXX. XXXX XXXX, locked psych ward on XX/XX/2022 and discharged XX/XX/2022. My cell phone and bag with wallet were left at my house, they're prohibited on unit. When I returned home on XX/XX/XXXX, I discovered all my personal info compromised. My cash app debit card was taken with other cards and my phone had been used to aid in stealing my money. 
I immediately contacted cash app to notify them of fraud and limit my losses. Through the app chat service they explained dispute process which I followed. In total there were 16 fraudulent charges using my cash app card during my hospital stay, totalling {$790.00}. They only credited five transactions for {$250.00} total, owing me {$530.00}. Cash App has since closed my account using a ficticious made up transaction to justify it, saying I've went against their " Terms of Service ''. I've requested the documents used in investigation several times and can't get them.
Consumer complaint received 2022-07-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Block, Inc. (MI)

I had my tax refund prepared and sent to a routing number associated with my Cash app account. My taxes were prepared XX/XX/2022. The IRS released my refund and sent it to the routing and checking number associated with my Cash app account XX/XX/2022. I spent three months trying to recover my Cash app account because I have been refused access to the Cash app account I created. Cash support hasn't been able to allow me access to this account for security purposes. I have all identifying ( I9 ) documents on hand to prove that I indeed am the rightful owner of said Cash app account, also in relationship to payroll and IRS documents that will coincide. The IRS sent a deposit of {$3600.00} on XX/XX/2022. 
Also two payroll deposits ( {$700.00} and {$100.00} ) were also deposited within that time frame where I had been denied access to my Cash app account. An estimated total of {$4400.00} is owe to me and acknowledged my Cash app customer service on XX/XX/2022, however I am with no avail granted access to my Cash app account to recover my funds. Today XX/XX/2022 I am writing asking for support in this matter, advice, and other cases of action to finally resolve and correct the fact that I am not being granted the funds earned and due to me. I can be reached here or vial email @ XXXX Thank you
Consumer complaint received 2022-08-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc. (TX)

I entered into an agreement with Square, an online company processing credit cards for small business. Between XX/XX/XXXX and XX/XX/XXXX I processed {$22000.00} in customer charges at my estate liquidation Sale. Square is now refusing to deposit those funds to my bank account as promised. Further more the sent an email stating the were deactivating my account and would holding my funds for 90 days. The did not give an explanation or contact info. I dug up a consumer call XXXX in XXXX. Talked to at least 10 different people. 
No help. I tried to contact the '' corporate offices '' in XXXX and their phone number just sends you backto the XXXX call center where they read from some script. I am XXXX and aside from Social Security make a little income from estate liquidations. 
I had to pay my client {$21000.00} today out of my ownsavings. I do not know if or when this company will release my funds. At this point I would like to see them sued for elderly abuse, financial fraud, personal injury from the fear and anxiety brought on by their failure to do as promised, as well as false advertising!
Consumer complaint received 2023-03-14
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)

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights reporting 21 late payments. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

By the provisions of the consumer protection laws, I demand that if unable to do so or lacking proof of these payments being late, please update my payment history to PAAN status ( Paid as agreed, never late ) and supply a corrected credit profile to any creditors who have requested a copy of my report in the last six months.
Consumer complaint received 2024-09-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SHARP COLLECTIONS, INC (PA)

Follow-up on Complaint ID XXXX Dear CFPB, I am writing to follow up on my previously submitted complaint ( Complaint ID : XXXX, submitted on XX/XX/year> ) regarding the debt collection issue I faced with Sharp Collections. 

The new issue I would like to address involves the townships refusal to provide me with a receipt for a payment of {$19.00} that I made directly to them. I have video evidence of this transaction, as well as a police report that documents the payment. Despite this, the township has failed to issue me a receipt for the payment. 

Furthermore, I want to clarify that at no point was a transfer of these funds authorized by me to Sharp Collections. When I spoke to the police officer who visited my home, I made it very clear that the {$19.00} I provided was meant for the township treasury. Any subsequent transfer of funds between the township and Sharp Collectionsaside from the {$4.00} owed for taxeswas done without my consent and bypassed the proper channels for debt collection. 

I request that the CFPB investigate this matter further, as this situation represents unauthorized handling of my payment and a failure to follow proper procedures for debt collection. 

Thank you for your attention to this issue.
Consumer complaint received 2022-07-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc. (GA)

Between late XX/XX/XXXX and early XX/XX/XXXX I made XXXX ( XXXX ) payments to a scammer posing as a legitimate booking agency by the name of XXXX XXXX ( XXXX ). One payment was in the amount of {$500.00} for the company to book paid live performances for me which never occurred along with a second payment of {$400.00} for XXXX XXXX XXXX to book a photographer for press photos which never happened as well. 

I attempted to reach out to XXXX XXXX  ( XXXX XXXX ) multiple times in order to receive a refund to which they denied the request. I reached out to CashApp and filed a fraud report to which they stated they will not retrieve the payments. I attempted to file a police report but without an address I am unable to legally serve XXXX of XXXXXXXX XXXX XXXX to take him and the XXXX XXXX to court. 

CashApp ( XXXX XXXX  ) is enabling and assisting in illegal ( fraudulent ) activity.
Consumer complaint received 2022-07-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (FL)

Cash app allows my card to be used in multiple locations in the timeframe of XX/XX/2022 to XX/XX/2022 between his date I was incarcerated and in XXXX XXXX and XXXX XXXX jail I did not authorize any of the transactions to To be done due to the fact that was incarcerated and had no access to no phone were on lockdown. I have from XXXX until today which is XX/XX/XXXX tried to get refunds back on the debit that was debited between those days and they keep giving me the runaround so that they dont have to pay me my money back total of over {$4600.00} with stolen out of my account by a lady named XXXX XXXX and XXXX XXXX XXXX of which are names on my cash app account for trying to use my card in this present time
Consumer complaint received 2022-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Experian Information Solutions Inc. (CA)

Experian is harrasing me with misleading information credit scores and trying to sell me a XXXX booster advertisement in all my XXXX and many open CFPB complaints I have provided them as well CFPB supporting documents and there response is proven not a mistake but a XXXX XXXX  legal team has been advised that I initiated a law suit and there now taunting me with lyes and inaccurate accounts refusing to remove I am asking CFPB to inforce or refer this as harrasement and there inaccurate responses to me is now causing a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX -ALL CORDSPONDENCES TO GO TO MY ATTORNEY OF REPERSENTATION OD I WILL BE FIRST THING AT XXXX XXXX TO DEAL WITH THIS ON A OERSONAL LEVEL STOP STOP STOP ALL COMUNICATION WITH ME NOW NO JOKE
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: CAINE & WEINER COMPANY, INC. (TX)

In accordance with the fair credit reporting act.the account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX  # XXXX and Caine and weiner has violated my rights.15 USC 1681section602A.states I have the right to privacy.15USC.1681.section604Asection2.it also states a consumer reporting agency can not furnish a account without my written instructions.15USC1681 c.a.5 section states.no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information.other then records of convictions of crimes which antidatesthe report by more than seven years.15USC1681=2a1a.a person shall not furnish any info relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PR)

ATTACHED I INCLUDE THE CREDIT REPORT OF A ACCOUNT THAT STILL REPORTING OPEN WHEN THIS ACCOUNT IS CLOSED SINCE 2018 ELIMINATE THIS ACCOUNT THAT IS REPORTING INACCURATE INFORMATION ON MY CREDIT REPORT
Consumer complaint received 2022-07-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Block, Inc. (IL)

I submitted my dispute to CashApp on XX/XX/2022, which was not credited until XX/XX/2022, well over 10 business days after the dispute was submitted, with no notification on record from CashApp about the credit being applied, and nor was I notified about CashApps supposed investigation results until XX/XX/2022, three business days after providing the credit, purposely putting me in a position to have a negative balance, all the while CashApp knew of their selected the results of the investigation, while still crediting my account just to withdraw the credit after my use, with no notification or record on file from CashApp about the credit that being applied to my account, it being provisional or temporary.
Consumer complaint received 2022-07-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (FL)

On XX/XX/XXXX I went to get a hair cut and when it was all said and done I payed for the cut and was on the way to tip my barber but the accept button was being blocked by the keyboard on the phone so in trying to press the accept button a couple times I added 3 XXXX  and XXXX $ turned to XXXX dollars. I immediately called my bank XXXX XXXX right after 2x and both times they told me not to worry about it cause the spending limit is XXXX. My account is in the negatives and the bank has denied my claim to have it overturned. My barber also sent the money back to me as virtual receipt but a couple days later I called my bank cause their was no change to my account and they told me they don't know where the money went And Im being told that when they close my account it will affect my credit score.
Consumer complaint received 2024-06-04
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. (OH)

This is to follow up in regrads of the repeated failure to remove the fraud items from my credit report. Despite my diligent efforts and multiple attempts over the previous instances, these inaccuracies persist, severely impacting my financial standing and opportunities.I request compensation for the significant inconvenience, stress, and potential financial harm caused by the presence of these inaccuracies on my credit report. They have adversely affected my ability to obtain credit, secure loans, and pursue other financial opportunities essential for my financial well-being.I have provided extensive documentation and evidence supporting the removal of these fraud items yet they continue to my credit history. This ongoing issue not only undermines my financial credibility but also hampers my ability to access credit and secure favorable financial terms.The following items should be remove as soon as possible : 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
Consumer complaint received 2022-06-16
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (SC)

On XXXX XXXX I made 2 sales of XXXX  using cash app. My account was in good standing when this happened and I had approx {$240.00} in the account. The next day I went into my account and saw {$200.00} was missing and I only had like {$42.00} left. I immediately wrote cash app and they said that I made a dispute using a debit card ending in 4 numbers that doesnt match any of my debit or credit cards. They garnished {$200.00} of my funds and they could only say that I tried to add {$200.00} from my bank account and then disputed it. Okay so if I add XXXX and then take it away Im left with XXXX right? So why is it that I had over XXXX on Sunday and then Monday night its down to XXXX? Where did the XXXX go because there was no withdrawal or use of the XXXX I added while my account was in good standing. I should still have $ XXXXand the other XXXX that never added should have made the account {$440.00} and then a dispute for XXXX makes it again {$240.00}. They have terrible chat support who was incapable of giving me even the slightest bit of concern as to suspected fraudulent activity. They keep telling me to contact my bank and that would be absolutely useless since my bank account didnt initiate any sort of disputes. So I have no records of this anywhere in my account to even find out what is wrong. Where is my money and where did you guys learn mathematics?
Consumer complaint received 2024-09-28
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Uprova Credit, LLC (FL)

On XX/XX/year>, I took out a loan for {$1200.00}. However, Ive encountered multiple issues with how the loan is being managed. None of my payments have been applied to the principal ; instead, all payments are going toward interest, which is highly unusual and concerning. 

Additionally, Ive been unable to update my banking information or pay off the loan through the website or app, leaving me trapped into paying exorbitant amounts. When I contacted customer service, they were unable to assist and informed me that only I could make changesyet I am unable to do so through the provided platforms. 

At one point, I mistakenly changed the payment date, which caused my monthly payment to increase from {$260.00} to {$330.00}. When I called to correct this error, customer service was unable to revert the payment to the original amount. Furthermore, when I attempted to pay off the loan, I was told this could only be done online, but the option to do so does not exist. 

Whats more alarming is that to pay off a {$1200.00} loan, Im being asked to pay {$1700.00}. This situation feels predatory, and I intend to report this as a scam.
Consumer complaint received 2024-09-28
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: ACIMA CREDIT, LLC (CT)

XXXX XXXX I went to a furniture store, the offer me a credit card payment with " acima ''. 
The amount of the purchase was {$2700.00}. 
I signed a electronic agreement without any paperwork that was giving. 
I have been payment the credit card weekly. 
Yesterday I found when I finally got acces to paperwork, it happened that was not a credit card program but a leasing program. 
Basically they require me to pay {$5000.00} with payment until XX/XX/XXXX, or to pay off {$1200.00} to close the account. 
I have already payed off {$3000.00}. 
I strongly believe that I was scammed and " acima '' mislead customer. 
I need your assistance because, I also found out a government lawsuit against this company for the same cases. 
I called my bank and asked to stop authorization payment. 
Acima comes on different references and keep charging my account.
Consumer complaint received 2018-05-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (CA)

MrCooper LN XXXX XXXX XXXX XXXX, XXXX CA XXXX XXXX XXXX I called in on this file because we should have had an approval letter a month ago the buyers accepted MrCoopers counter offer and an addendum for the new purchase price and a matching HUD was sent on XX/XX/XXXX and XX/XX/XXXX. 

Nothing has been done on the file in the last month. They claim it has been approved but no one will send us the approval letter. **WE ARE HAVING THIS PROBLEM ON ALL OF OUR MRCOOPER FILES NONE OF THEM ARE BEING WORKED.

We have been told by multiple managers that they have shut down one of their facilities with no notice to rest of MrCooper employees. MrCooper is grossly understaffed and can not process their current file load. When questioned what was going to happen with properties currently in foreclosure, we were laughed at and told Too bad they're just going to have to go to auction because we don't have anyone to work the files. They thought it was funny that no one was going to work on the file and these were all going to go to foreclosure CC : CA State Attorney General
Consumer complaint received 2024-09-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (FL)

I filed for a modification on my FHA loan with Mr Cooper. The modification was approved but was only a difference of {$14.00} per month, while increasing my principal balance by {$48000.00}. I spoke with representatives several times in the the past week. The most recent date was XX/XX/XXXX. It was confirmed that I was declining the modification and I would make my regular payment no later than XX/XX/XXXX. 

Mr. Cooper 's system will not accept my regular scheduled payment. No one is calling me back. Please help, as I have no desire to have a 30 day late payment on my credit reporting. 

I appreciate your assistance in resolving this item. 

Sincerely, XXXX XXXX XXXX XXXX