davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (IA)

Made a purchase on a website, cashapp was a payment option, its presented as a debit card with cash loading options and money transfer benefits. Assuming one has the same protection as with other debit cards with all transactions, my purchase should have been placed on a pending. 

XXXX dollars for one purchase for XXXX $ XX/XX/2022 around XXXX am saturday early morning/fridays bar closing I even pointed out that the name on the website owners account wasnt a match to who i was entering for and was advised to proceed with the payment before the order would be shipped As with other merchants, i expected that once delivery packaging was set, only then would my payment continue processing. 

My payment went through, the wrong person who got my money gave me a thumbs up, and cashapp refuses to investigate further according to the discourse with 3 of the 6 or 7 employees via email ive been in communications with All i want is my XXXX dollars worth of products i ordered and the change returned or the XXXX in cash if no goods are going to be shipped to me, and as the financial institution providing online shopping options, i expect the due diligence of the company to allow more than five minutes or less to try and cancel a payment, especially in a world of pocket dials and accidental button presses Suddenly i type an extra XXXX as i click for the next page and i lose everything i have ..... 

What do I do? XXXX XXXX
Consumer complaint received 2022-05-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (NJ)

On Friday XX/XX/22 I received a call regarding my account from a number I recognized as XXXX XXXX XXXX XXXX. The rep XXXX asked me to verify 3 charges that appeared to be suspicious at 3 different stores in Milwaukee. I told her I did not make purchases in any of those stores. At that time XXXX put me on hold to cancel my debit card & suspend the transactions because she needed to immediately cancel the current card as well as the fraudulent transactions. Later I called XXXX XXXX XXXX XXXX and a XXXX XXXX XXXX explained that there was a pending withdrawal of {$1400.00} but it could not be suspended because it was being processed. In order to reissue me another card XXXX closed my account and setup a new account & reissued a new card. I found out that the scammers used an account from XXXX Bank in Ohio. I called XXXX Bank and was told by XXXX a supervisor that the account # I had given her was not a number associated with her bank and verified that it was from a Cash App account. I obtained the account and routing number for the Cash App account used by the scammers. Then I called the number for Cash App I got from XXXX. I've called many many number times thoughout the day but kept getting an outgoing message that no available reps were available, call back. I also sent 3 messages to Cash App on XXXX and never received a response. Cash App is affiliated with XXXX Bank, but they could not help when I called to report the issue.In my opinion Cash App needs to setup a call center just to at least help customers with fraudulent issues, but even though people due business with them they do not attempt to help us in crisis which is so unethical. I want others Cash App customers to beware of Cash App scammers.
Consumer complaint received 2024-08-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: General Motors Financial Company, Inc. (CT)

On XX/XX/year> the bank gm financial said I owed them XXXX $ balance after my insurance XXXX XXXX paid them a balance of XXXX $ and they said I still owed them XXXX $ so they charged my mom bank card and reported bad review saying I didnt pay them off I would like a refund on the XXXX $ they charged me out of pocket from my mother XXXX XXXX credit card and I would like to file a dispute on they extra charging please
Consumer complaint received 2024-08-15
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: Affirm Holdings, Inc (NC)

XXXX  XXXX {$1000.00} XXXX Affrim XXXX XXXX I certify that the personal information provided above is accurate to the best of my knowledge. I understand the importance of ensuring the accuracy of my credit report, as it impacts my financial standing and ability to access credit.

According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete + information on my credit report. I am requesting that you investigate the discrepancies mentioned above and promptly remove or correct any inaccurate information from my credit report.

Enclosed with this letter are copies of documents that verify my correct personal information, including a government-issued identification card and any other supporting documents. XXXX.

By the provisions of the Fair Credit Report Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. 
Please remove any information that the creditor can not verify. I understand that under 15 U.S.C Sec 1681 ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report.
Consumer complaint received 2024-08-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (NJ)

FOR OVER XXXX YEARS NOW, my e XXXX XXXX, keeps hacking into my bank accounts, and charges things with my debit card, i dont have one now, but i do have credit cards. i cant get good credit having no credit cards, and im sick and tired of this. when is the bank, XXXX  XXXX XXXX, XXXX, XXXX XXXX, any credit card i have, no one ever investigates this situation, i have many situations with this man, stealing from me, mortgage fraud, did closing behind my back, i lost over XXXX, plus a cabin, he just stole it. took the closing money and has for a year refused to give me paperwork. I have boxes full, and boxes and more boxes, XXXX Hard drives i found hidden, a cd i cant access, i know he is involved with XXXX, XXXX, was cable XXXX, i wanted a cyber harassment restraining order, but the detective wouldnt, although i feel my computer evidence does show himon here. 
He needs to also stop making up checks to look like mine, who is going to help me, this now has been three local police stations ive been to, and nothing. i have solid evidence, and i cant understand why, if i cant get a restraining order, how is he going to leave me alone.
Consumer complaint received 2024-08-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (UT)

I have never missed a payment and since my loan holder switched websites I have not been able to pay my monthly payment. I submit the payment, I get confirmation, and then the payment gets reversed. My payment history shows this happen the last three months since they switched. Now I will have to pay 3 months worth of payments on top of what I already owe and that is a VERY hard ask. I don't want the account to go into default either.
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. (PA)

SEE ATTACHMENT Cash App Email Correspondence FOR FULL DETAILS 1. I opened a Cash App account in XX/XX/2021 with ID XXXX XXXX. I executed eight transactions over the year. My XXXX XXXX account has a balance of {$50.00}. See attachment My Cash App Transactions. 

2. Recently my bank started rejecting requests to add money to my account. ( I later realized that might have been related to having received a new debit card with a different XXXX XXXX XXXX XXXXns from Cash App support did not work. See screen recording attachment Cash App 's Failed Procedure. 

4. XXXX correspondence on XX/XX/XXXX and XXXX correspondence on XX/XX/XXXX indicate that their records verified what I had been telling them. XXXX offered to solve the problem. 

5. However XXXX was overruled. I received messages that essentially said Policies prevent Cash App from giving me my {$50.00}. For my own security interests, I should just accept this situation. 

6. There is something strange going on at Cash App. After their written instructions failed, the next logical step would be to for me to talk to a human. What is their intention with my {$50.00}? Do they intend to keep it?
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC (NC)

Account Number : XXXX Shellpoint Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sc, XXXX To Whom It May Concern : I have recently reviewed my credit reports and noticed you are claiming that a late payment has been made on my account. I do not remember ever being ( XXXX, XXXX, XXXX, XXXX, etc. ) late with apayment on this account. 

This is in line with 15USC 1681S-2b, under Responsibilities of furnishers of information to consumer reporting agencies..We insist that if no such documentation canbe provided, the late payment information must be expunged.. 

Please provide statements and records of all payments made and missed since I opened the account. In the absence of verifiable information about any late payments, please inform the credit reporting agencies that the account and all payments have been paid as agreed. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-17
Product: Credit card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A. (KS)

Received a XXXX Citibank card in the mail within the past week. Did not sign up or request this card. Tried today XX/XX/year> to cancel the card by calling the phone number on the back of the card ( XXXX ). I called XXXX  times, all XXXX  times the answering service gave me info about a XXXX XXXX XXXX card, not a Citibank XXXX card... and all XXXX  times the service then hung up on me without giving me any options. Called Citibank directly from the Contact Us phone number on the Citibank website. Waited XXXX minutes to talk with someone. The representative I spoke with would not cancel the card for me. She gave me another phone number for the XXXX card ( XXXX ). I was not able to speak to a person on this phone number, it was useless. 

Why is it impossible to cancel a credit card I never requested? If your bank name is on the back of a credit card, the phone number should work and you should be responsible for handling any issues.
Consumer complaint received 2022-05-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Block, Inc. (CT)

XXXX I received email notifications that a payment of {$1000.00} and a payment of {$22.00} were deposited into my CashApp account by XXXX XXXX ( one of my tenants ). 
XXXX I attempted to transfer the funds from CashApp to the XXXX XXXX account I have linked to the my CashApp. I was not able to and couldn't figure out why I was not able to like the countless times I've done it in the past. Not knowing what else to do I deleted the first CashApp account entitled $ XXXX and replaced it with a new CashApp account entitled $ XXXX. 
XXXX Called CashApp customer service and spoke with 2 different representatives. After staying on the phone for close to an hour and giving all information they requested- Legal name, DOB , phone number, email address, last 3 digits of the XXXX XXXX account and last 4 digits of my SS, the end result was the same. Each time the customer service representative replied : " I am sorry but I am not authorized to make the transfer due to security reasons. '' I told both reps I would be happy to answer any other security questions and they did not respond. I then requested to speak with a supervisor and both times I was told : " There are no supervisors to speak with currently, but I will escalate this to that level and a supervisor will contact you via email. '' As of present, no emails received from a supervisor. 
XXXX Called CashApp again in hopes of resolving the issue and the same response was given to me. " No authorization to make this transfer due to security regulations ''. " No supervisor available and a supervisor will contact you via email ''. Still no email from a supervisor.
Consumer complaint received 2023-06-23
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. (MD)

This is a formal complaint that XXXX, Transunion and XXXX are reporting inaccurate and incomplete information on my credit report. Credit bureaus are required to follow reasonable procedures to ensure that the information they report is accurate. The notation of the following late payments is INACCURATE. I have notified each bureau in writing about the inaccuracy of information in my credit file. Under FEDERAL LAW the credit bureau must modify or remove inaccurate or incomplete information. Please investigate and verify that all data for this account is reporting accurately including every notation, date and balance, whether reported or not. 

Account : Dept. of Education/XXXX  Account XXXX : XXXX ( XXXX ) Address : XXXX XXXX XXXX XXXX, NE XXXX Phone Number : ( XXXX ) XXXX For reference : All XXXX accounts, the creditor reported XXXX XXXX " Current/Terms met '' ; XXXX XXXX " Past due 90 days ''. This is impossible and therefore inaccurate!!!! These INACCURATE accounts should not be furnished on my consumer report as they are in VIOLATION!! 

Please update all payment history for these accounts to XXXX  status ( Paid As Agreed, Never Late ) according to consumer protection laws or delete from credit report IMMEDIATELY.
Consumer complaint received 2022-05-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Block, Inc. (CA)

over a week 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. The process shouldn't take that long and the money should be back ony Cash app
Consumer complaint received 2022-04-29
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (LA)

On XX/XX/2022 CashApp ( XXXXXXXX XXXX  ) refunded payment made to me for services over a month and a half ago due to the paying party filing false disputes with the bank. These payments were made and received in good faith and services were rendered. To this point they have taken {$160.00} out of my account and " refunded '' to the other party without notification of dispute or cause for such dispute. I have tried to Contact the other party to no avail and the customer service department at the bank informed me that it was completely up to their discretion to remove funds from my account.
Consumer complaint received 2022-05-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (CA)

I recently had an account with cash app and had about {$1000.00} in my account and somebody hacked into my account in fraudulently transferred money out of my cash app account to my debit card that was hooked up to my cash app account and then withdrew the money because somebody had stole my debit card and my cash app information I found the dispute with cash out back in XXXX and they've been done nothing but give me the runaround lie to me send me bogus emails ignore my requests tell me lies about how long it'll take they say they're not responsible for any money that was fraudulently or stolen out of your cash app account and that they will not replace it and all they do is lie to me lie to me lie to me and will not take care of the problem that is at hand the money being fraudulently took out of my account I've sent all the information they've requested the transactions that were fraudulently stolen I've sent them all the information they requested proving that it was fraudulently took out of my account and they still do nothing but lie to Me lie to Me lie to Me the refusing to replace any money that was stolen or fraudulently transferred out of my cash app account they say that they're not responsible for any of that and they will not return my funds to me
Consumer complaint received 2022-04-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (GA)

$ I made several payments for a vehicle via Cash App, but the dealer never processed the paper work for the title and tags. I attempted to request a refund in the amount of {$700.00}, of the {$8200.00} paid, from Cash App. The request was not sent to the dealer, but denied by Cash App.
Consumer complaint received 2022-04-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (MI)

I was a victim of fraud and identity theft. The company and person that was part of the scam and fraud caused me and other victims to have their money submitted and used for a business transaction. The person was my online boyfriend but also a business associate for an investment. The online boyfriend was not real but a scammer who defrauded other victims to. I filed an identity theft report as my personal information and identity had been compromised. I was frauded for over {$40000.00}. I attempted to file a chargeback dispute and submit my identity theft report with Cash App and the advocate refused to allow me to do so. I also tried to submit my identity report with CashApp and they refused to accept it from me and require the police department to so. I asked the police and they recommended I submit it because they are not required to. 
Cash App is in violation of the transaction banking act and refusal to do an investigation and accept my identity theft report and the Fair Credit Reporting Act as required by federal law. I am a victim of a scam and CashApp is required to follow procedures and allow a chargeback of all her transactions. 
Cash App has all of my information on the chat log of all my disputes and stopped me from finishing because they did not want me to file a dispute.
Consumer complaint received 2022-04-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc. (MO)

I placed an order on XXXX for {$1100.00} on XX/XX/XXXX. I then returned the product, and it was confirmed by XXXX that the refund was sent on XX/XX/XXXX. The payment of choice was Cash App, which has been telling me for weeks that XXXX never sent their company the funds for the return. I got an email reply from XXXX on XX/XX/XXXX with a credit memo attachment of the refund being processed on their system on XX/XX/XXXX. Cash app since has not responded to my emails after XXXX attempts. I am now out {$1100.00} because XXXX and Cash App will not take ownership of the situation.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AMERICAN EXPRESS COMPANY (MA)

In XXXX of 2021, American Express reported a late payment on my credit report while I was on an approved payment plan due to the XXXX XXXX  and its effect on me. I made attempts with American Express to have this removed from my account, but they did not remove it. Before, and after said late payment, there were never any late payments on my account. This is having an adverse effect on my credit report and obtaining credit.
Consumer complaint received 2024-08-17
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (NY)

Goldman Sachs Marcus restricted my savings account and will not let me withdraw money. They will not tell me why and they said that they can't use my cell phone to send a one-time pin. None of my family 's phone numbers will work either, because they can't confirm my identify with public phone records. Funnily enough, they are still happy to take my deposits ( LOL! ) I put money for my wedding in my savings account to earn interest. Now that I need to pay my vendors, I can not access my cash. 

Customer service is not helpful either and are only telling me to wait.
Consumer complaint received 2024-08-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC. (TX)

I submitted the unauthorized transactions charges XX/XX/year> all of a sudden I get an email they performed a thorough investigation. The definition thorough isnt less than XXXX hrs for me. SoFi is just a scam.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION (NY)

On XX/XX/year> I purchased a XXXX XXXXXXXX from a car dealership. Signed the paperwork and contracts XX/XX/XXXX and took delivery of the XXXX a few days later. 

On XX/XX/year> I notice 3 credit monitoring alerts on my credit report that I didnt recognize or remember giving any type of authorization for. 

Only XX/XX/year> Im notified that my loan wasnt approved and they would like to send a tow truck to come pick the XXXX XXXX up I bought to commute for work and they would send me a check for my {$4500.00} down payment. 

It is now XX/XX/year>. Im still in possession of the XXXX. I have not received a check for {$4500.00} and/or have I received any type of settlement offer or solution to this issue that would help me in any type of way. I have multiple hard inquiries on my credit report I never authorized that are effecting my chances of even having an opportunity at another auto loan.