davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (GA)

On XX/XX/XXXX a transfer of {$260.00} was made to a Cashapp account I own. I was unable to access my account due to a telephone number change. I contacted CasApp support to request a merge of my old account to my new account so I could access my funds. CashApp said they kept getting an error on their end when attempting to merge the accounts. They wouldn't give me any further information, only citing " security reasons. '' I provided them with my SSN and photo ID yet they still refused to allow me access to the old account. Now my {$260.00} is sitting idle in my old cashapp account with no way for me to access it.
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. (OK)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-08-05
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Block, Inc. (IL)

XX/XX/22 I sent {$200.00} to my daughter cash app in it turn up that the account was hacked so I called in reported it to cash app, to only be told they can do anything about it. I understand I sent the money to the wrong account but the account has a picture of my child face on it. In they also lied about closing the account so the account remained open in active which allows anyone to think they sending her money but its somebody playing to be her. I just wanted my money back the told me its not they fault I made a mistake.
Consumer complaint received 2024-07-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

XX/XX/year> Asked them to send me a copy of the validated debt or a copy of the original contract with my signature. A balance of {$950.00} XX/XX/year> Followed up on the debt information requested.
Consumer complaint received 2022-08-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (NY)

On Monday, XX/XX/XXXX at XXXX PM, I called a Customer Service Number ( found online on XXXX ) at XXXX and XXXX XXXX for XXXX ink to complaint about not knowing they were scammers they claimed that I had malware on my XXXX and I thought they were legitimate and they asked me to download another app so they can help remove this malware, so they access my cash app and transferred {$860.00} to someone I don't know, as soon as I detected that it was a scam I hang up the phone and call cash app. I tried to reach the cash app Customer services all night and went to the chat box to notify them and at the same time, I called my Bank XXXX to stop any link and reported the incidents. Cash App got back to me the next day and I was told that they will investigate this incident and refund my money but I received an email today XX/XX/XXXX declining to refund after being scammed on their platform, through their services, and with their help. It is bizarre that Cash App will refuse to stop this scam on me. When on multiple occasions they stopped my legitimate transactions because it was the first time I was sending money to a specific donee and I was told it was for Anti-money laundering and it was to protect me. But these individuals, I have never sent money to them before, why has the same procedure was not applied even after I filed the complaint for scamming? The person who received the money, Cash App refused to give me details so I can file a police report. 
I was not asked if I knew the recipient and I don't know the recipient.
Consumer complaint received 2022-08-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (NY)

On XX/XX/2022, XXXX Dept. Of Labor Unemployment Division sent a direct deposit to my Cash App account in the amount of {$290.00}, which, due to the financial institution 's computer error, was sent back to the government office it was issued from. As a result I contacted the company, and the response was the money will be sent back to Unemployment and they gave me a {$20.00} credit. I asked them to extend a line of credit or to compensate me for failed transactions and they refused.
Consumer complaint received 2022-08-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc. (TX)

On XX/XX/2021, {$2000.00} was taken out of my account from $ XXXX On XX/XX/2021, {$3000.00} was taken out of my account from $ XXXX On XX/XX/2021, {$800.00} was taken out of my account from $ XXXX On XX/XX/2021, {$1000.00} was taken out of my account from a $ XXXX using Cashapp and I contacted them letting them know that I didn't authorize these transactions. They told me that it was nothing that they could do. I was scammed I filed a complaint and disputed it with my bank but my bank couldn't retrieve my funds. They didn't put the funds back onto my card.
Consumer complaint received 2024-08-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (CA)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
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. (GA)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
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: Experian Information Solutions 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 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Berlin-Wheeler, Inc. (Kansas) (GA)

I am submitting this to formally request the removal of this account from my credit report. The account in question is negatively impacting my credit score and financial opportunities. 
BERLINWHR-KS XXXX Balance Owed : {$1800.00}
Consumer complaint received 2022-08-03
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Block, Inc. (CA)

Dear consumer affairs, regarding the cash app account routing number XXXX account number XXXX XXXX. Prepaid card number XXXX XXXX my name is XXXX XXXX the account card name is integrity first phone number XXXX email address is XXXX XXXX. transaction date XX/XX/2022 the amount is {$350.00} Merchants name is XXXX XXXX XXXX I'm having serious problem with the cash app company refunding and returning back my funds On XX/XX/XXXX a charge try to come through from the XXXX XXXX for {$62.00} it was declined because my card was blocked.. on that same day which is XX/XX/2022 another charge came through XXXX for the XXXX XXXX XXXX that charge was accepted but the card was locked. 

On XX/XX/XXXX another charge from the XXXX tried to come through for {$10.00} that was declined because the card was locked on that same day XX/XX/XXXX another charge was trying to come through as well for {$200.00} from a XXXX that charge was declined as well because the card was blocked. 

. On XX/XX/XXXX I received a text stating that the {$170.00} charge on the XXXX was changed from XXXX to {$350.00}. Causing my balance to go negative because the funds were not available. 

On XX/XX/XXXX I closed the card down. 

On XX/XX/XXXX you can see that I registered my cash app account on another device because the device that I had was stolen or lost not sure. 

I have reported this to the police I have made a police report regarding this here I've been disputing this with the cash app customer service since these charges occurred and the results have been Negative they have not tried to help me in no way shape or fashion or form. 

This charger is not my charge it is a federal law and regulations that unauthorized charges card holders are not responsible for and I'm being held responsible for a charge is not authorized. 

By the cash app company holding my funds it as cause my other accounts and other bills to become negative IThis as caused cause me to have to pay fines fees as well. 
Included in this too is a police report regarding this transaction
Consumer complaint received 2022-08-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (OH)

On XX/XX/2020 I Cashed Out {$600.00} From CashApp This Money Was Supposed To Go To My XXXX Account Which I Didnt Know At That Time That My XXXX  Account Was Closed When I Contacted The Bank They Told Me The Funds Would Be Rejected And Automatically Sent Back To Wheres They Came From Which Would Be CashApp Give It 7-10 Days To Let It Reverse. 
I Contacted CashApp Also And Said Hey This {$600.00} Went To A Closed Account And I Keep Getting The Same Robot Response From CashApp Which Is Funds Typically Arrive 3 Days Contact The Bank The Bank May Hold Funds Until You Contact Them And Issue A Check To The Address On File. 
XXXX Says They Dont Have Anything To Do With It Because I Didnt Have A Account At The Time And They Gave Me My Last Bank Statement Verified That The Account Was Closed On XX/XX/2020 And I Also Went And Got A Letter On Bank Letterhead That Ive Uploaded To CashApp. 
So Going On 2 Years Now Im Getting Nowhere With This Missing {$600.00} That Got Lost In Cyber Space Between CashApp And XXXX. 
Ive Emailed CashApp Asking Can Someone Check The ACH Portal.. Or The Pool That Their Holding Other People Funds In, Ive Asked Did Someone Accept These Funds Back Once The Bank Sent Them Back To Them, Ive Even Asked About Insurance Claim To Cover These Funds Thats Lost In Cyber Space Between CashApp And XXXX
Consumer complaint received 2024-09-22
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Optio Solutions, LLC (GA)

Optio Solutions LLC. I had an outstanding balance on a down payment on vehicle. Which was {$10000.00}. I was Told by the collection agent that once I paid the balance down I could settle it by only paying {$5000.00}. I only owe based on the settlement amount {$1300.00} base on the settlement amount the XXXX and I had. I had XXXX back in XX/XX/year> which I did explain to XXXX explained that I would be out of work for a couple of weeks was on XXXX  XXXX. I returned to work back in mid XXXX however my XXXX  XXXX was approved I did not get paid because there was clause in my benefits which prohibited me to get paid while out. I was behind on all my bills. I called XXXX also advised her what was going on. Which I told her I could send documentation regarding my claim. Went back to work to only two months later getting laid off. In XXXX I work for XXXX XXXX and lived on the property where I worked was told I had to move in 7 days. I contact XXXX let her know. I had to get another job and then find a place to stay. I moved in my apartment XX/XX/XXXX. I contact the agency XX/XX/XXXX to speak to XXXX to advise I will now proceed to pay remaining balance off of {$1300.00} I spoke to XXXX who then informed me XXXX did not work in this department any longer that I had to make payment with gentlemen who answer the phone. I advise that would be fine. I get a call by another representative following week stating I had to pay the total remaining balance. I asked to speak to XXXX or XXXX went off hollering screaming on the phone saying I had to the total amount threatening becoming belligerent on the phone advise him not to speak to me in that tone. I want to pay only what I was told I can settle which was the {$5000.00}. I have already paid {$3700.00}. Advise will make payment on the XXXX and the XXXX of XXXX. I wish I never got the loan on the car. I was coerced by the sales team to write a check because I was getting a settlement. My attorney did not get my all the funds for my settlement. I sent them proof of the documentation of that as well. This whole thing has be a nightmare. I have been talked horribly by XXXX.he doesnt let you get a word in he talks over and screams and hollar on the phone. I am not paying anything more. I only paying on the agreed settlement. Which I have a differ of XXXX dollars
Consumer complaint received 2022-08-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc. (NY)

I was locked out of my cashapp account. I messaged cashapp customer support asking if I could make a second cashapp account with a different email, which is the now locked account. They told me yes, I could. I made and used the second cashapp account for a period of around 5 days before my device broke. Upon attempting to login to my account with the new device, the security check failed because it wished to verify the contacts on the phone and wouldnt let me try any other verification method. As it was an older phone, the security system denied and locked the account because the contacts didnt match up enough. I have tried regaining access through customer service multiple times over the last 10 days, since XX/XX/XXXX, and cashapp customer service says there is no way to override this decision and instructed me to make a new account. I also just received the cashcard for the account, and am not able to activate the card to withdraw my money. I have given cashapp customer service everything required to verify my identity including my SSN and a picture of the entire cash card that they sent me in the mail with my cash tag on the card, and they still said they can not override the decision. I have {$420.00} dollars on the locked account and they refuse to grant me access.
Consumer complaint received 2022-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: Block, Inc. (WI)

I have made a purchase on cashapp and XXXX but later on found out it was a scam an fake website. XXXX keeps telling me they can not do a dispute and give me my money back. It was for XXXX on XXXX XXXX for a drum set I clearly never got nor got a tracking number for as well. 
All. I want Is my money back from the scammer who took my money an I cant obviously get into contact with the seller that XXXX keeps telling me to do. 
It was for my XXXX year old daughter birthday.
Consumer complaint received 2022-07-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (MD)

On XXXX XXXX I made a instant transfer from square cash app in the amount of XXXX dollars to my XXXX debit checking account. For whatever reason XXXX  declined the transaction and said the transfer declined and never accepted which was automatically sent back. Well its 2 years later and my transfer is still missing from both parties. Cash app keeps telling me to get the transfer information from chime but XXXX  says they dont have it. Cash app is saying they sent it as a merchant refund which is unacceptable because I didnt transfer as that. Now they arent trying to find my transfer. I need my money located and put back into my account by cash app.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I am writing to formally dispute the information reported by XXXX XXXX XXXX on my credit report concerning late payments allegedly made in XXXX, XXXX, and XXXX of 2022. I assert that these claims are inaccurate and request a thorough investigation into this matter. The reported late payments for these months are incorrect, as I have consistently made my payments on time. This misinformation is adversely affecting my credit score and overall financial health. Therefore, I request that XXXX XXXX XXXX provide concrete proof that these payments were indeed late. Statements alone are insufficient ; I demand documentation that definitively shows the dates and times of the transactions in question, including any logs from your payment processing system that can verify these claims. If there are any other late payments being reported by XXXX XXXX XXXX, I also demand proof of those payments, as I can only see the past XXXX years of my payment history. This documentation should similarly include dates, times, and logs from your payment processing system.
Consumer complaint received 2024-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (LA)

In accordance with the Fair Credit Reporting Act XXXX accounts wells fargo, XXXX XXXX XXXX XXXX XXXX XXXX  has Violated my rights. 
15USC 1681SENTION 602 STATESI HAVE A RIGHT TO PRIVACY. 
15 USC 1681 SECTION 604 ASECTION 2 it also States a Consumer Reporting Agency Can not furnish a account withoutmy written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as a late for and purpose.
Consumer complaint received 2022-07-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (IA)

Deposited funds into my cashapp account just fine and i wanted to send the money to a relative but they locked my account asking me to verify with my id just to do this which im not comfortable with & they arent allowing me to withdraw my own funds from my cashapp account. ( {$990.00} ) not a small amount of money but im not providing cashapp with my ID. i want to withdraw my cash to my bank account and never touch cashapp again.
Consumer complaint received 2024-09-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

Dear CFPB, From XXXX to XXXX, my Federal student loans were serviced by Navient. During that time, Navient strongly suggested repayment options to which I agreed. My student loan principals never decreased. Navient greatly misled me wherein I have paid much more on my student loans that I should have. In XX/XX/XXXX, Navient emailed me that my loans were now with XXXX. The principal amount is unchanged. I feel that for year Navient wrongfully managed my account and misled me to repayment options and the financial consequences to me. I am XXXX years old now and I'm still paying for my student loans. 

I would greatly appreciate your help. 
Many thanks for your time
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance XXXX {$940.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX : {$940.00} XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX