davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (PA)

Good afternoon, I currently have a cash app account. On XX/XX/XXXX there was a deposit of {$750.00} placed to XXXX XXXX XXXX XXXX. This is the only account that I have with Cash App. This payment was not deposited by myself nor my son, who was invited to share the account. 

On XX/XX/XXXX, my son forwarded a Cash App deposit of {$1.00} to the account as shown with document dated XX/XX/XXXX. Looking at the area on this document, the area that indicates the source is in question. It indicates XXXX as opposed to its " destination of XXXX XXXX XXXX XXXX. I was trying to email my concerns because I believe that this account XXXX be compromised. Please see discrepancy form for {$1.00}. Please disregard the handwritten from address message as I have since researched and discovered that this is my carrier and the telephone number is correct I contacted the XXXX XXXX XXXX XXXX after examining my financial statement to inquire about the two cash app transactions. I was advised that I needed to speak with Cash App regarding these transactions. I contacted Cash App and spoke with someone however there was a significant language barrier and I could not understand her response. I requested to speak with a supervisor and was disconnected. 

Your assistance in investigating this matter is greatly appreciated, as I do not know how the {$750.00} fund was added to my account and how the {$1.00} charge was not accredited to my account.
Consumer complaint received 2023-06-28
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: EQUIFAX, INC. (TX)

It has been drawn out that Credit Bureaus 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. Here are the ITEMS that need to be removed from my file : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Block, Inc. (OH)

On XX/XX/22 I went to a XXXX atm in XXXX Ohio attempted to withdraw {$320.00} and the atm give me XXXX XXXX dollar bills so I disputed the charges with cashapp and they said they found no wrongdoing and now my cashapp is still in negative even tho XXXX admitted that the atm was pack wrong now cashapp is not replying to me at it being 6 months
Consumer complaint received 2024-02-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CA)

I submitted a request to speak with someone at Mohela via email after failing to speak to someone over the phone as to why they had started charging me for my student loans months before my grace period ended. The email reads as follows ( personal info redacted ) : Hello. 
My name is [ REDACTED ] ( ACCT # : [ REDACTED ] ) and I am reaching out to dispute my graduation date. I have spoken to a financial aid representative at my institution, [ REDACTED ], and they have verified for me that I graduated on XX/XX/XXXX per the attached document ( highlighted ). Therefore my grace period should be ending in XXXX. Unfortunately, MOHELA has already started asking for payments and this has led to me racking up interest for not making those payments. I am asking that my graduation date be properly established according to the record of my institution and that my grace period be postponed until the appropriate date. I also ask that any interest unjustly accrued over missed payments be erased. Thank you. 

In this email I also included proof that my college confirmed my last day of class was XX/XX/XXXX. This proof has too much personal information to send here, but I am happy to submit it in the future once this complaint advances. They have not responded nor reimbursed me for their error. I sent this email on XX/XX/XXXX. 

In addition, I manually made a electronic payment towards my student loans this month before the due date and Mohela has yet to take the money out of my account and they have even claimed I missed my payment. This is despite the fact that they sent me an email confirming my payment right after I paid. The email reads as follows : [ REDACTED ], This email serves as confirmation of the payment submitted on XX/XX/XXXX, captured below. 

Payment Confirmation # : [ REDACTED ] Amount : {$160.00} Scheduled for : XX/XX/XXXX Mohelas incompetence and complete ineptitude is ridiculous. I am filing this complaint because both calling and emailing them is useless.
Consumer complaint received 2023-02-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc. (OH)

On XX/XX/23 three unauthorized transactions were stolen from my cashapp. I reported it right away and cashapp least than 24hrs later had denied my claim. They told me it would be around 10 days to hear something. They denied my claim less than 24hrs so, when I checked back on the 10th they had made a decision and refused to talk about it, at all. I attempted to appeal and they refused. Saying I had not contacted them and my time was run out. Although, I had contacted them well within the 10 days. I asked for evidence they used and all they sent was a piece of paper. It didn't show anything but the names and times. I don't know this person and never authorized it. I sent evidence of the person I now believe stole it. Cashapp did not even look at it. She joked about the exact amount stolen from me and said " cashapp '' and other things she stole.
Consumer complaint received 2022-10-18
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. (TX)

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX / XXXX XXXX XXXX / XXXX XXXX XXXX / XXXX XXXX XXXX / XXXX XXXX XXXX / XXXX XXXX XXXX / XXXX XXXX XXXX/ has violated my rights.

15 U.S.C 1681 Section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions ... ....
Consumer complaint received 2023-07-06
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I submitted a complaint 44 days ago which is over the 30 day investigation response period. Im demanding that the account mentioned in the original complain is removed from all 3 credit bureau reports immediately due to company violating consumer federally protected rights.

15 U.S.C 1681 section 602 A 15 U.S.C 1681 Section 604 A Section 2 :
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

Dear XXXX XXXX XXXX, I am writing to dispute inaccuracies that are currently appearing on my credit report, which is affecting my credit standing and financial well-being. I kindly request that you take immediate action to remove and delete the following inaccurate information from my credit report : Account name XXXX XXXX XXXX XXXX Account number XXXX Account type Secured Loan Responsibility Individual Date Opened XX/XX/2021 Status Paid, Closed. 

I have thoroughly reviewed my credit report and have determined that these items are incorrect and do not reflect the accurate state of my financial history with your institution. The presence of these inaccuracies is causing significant distress and adversely impacting my ability to access credit and financial opportunities. 

Under the Fair Credit Reporting Act ( FCRA ), it is your responsibility as the creditor to ensure that the information you report to credit bureaus is accurate, verifiable, and up-to-date. I urge you to conduct an immediate investigation into these disputed items and take the necessary steps to remove them from my credit report without delay. 

I kindly request that you provide written confirmation of the removal of these inaccurate items from my credit report within 15 days of receiving this letter. Failure to comply with this request may result in further legal action to protect my rights as a consumer under the FCRA. 

I trust that you will handle this matter with the utmost urgency and professionalism. Should you require any additional information or documentation to support my dispute, please do not hesitate to contact me. 

Thank you for your prompt attention to this matter and for ensuring the accuracy of my credit report. 

Sincerely,
Consumer complaint received 2023-02-21
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with overdraft — Overdraft charges
Company: Block, Inc. (WI)

My legal name is XXXX XXXX. I was assaulted on both XX/XX/XXXX and XX/XX/XXXX because this company released my funds to a merchant. Do you Cashapp deny that the merchant these funds were released to had to be cancelled by the merchant because they were posted therefore released to the merchant? 
https : XXXX
Consumer complaint received 2024-02-19
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. (NY)

In accordance with the fair Credit Reporting Act XXXX XXXX XXXX  has violated my rights. 15 U.S.C 1681 section 602 A. states I have the right to privacy. 15 U.S.C 1604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the fair Credit Reporting Act XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. states I have the right to privacy. 15 U.S.C 1604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

My account information is being improperly managed, there is a 30 day late payment posted on an account in great standings and has always been in good standings, called the Mortgage company to verify there has been no late payments posted, tried resolving with each of the credit bureau 's by asking that this account be validated and verified as accurate but have had no success.
Consumer complaint received 2023-02-21
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. (NJ)

I booked a massage with someone claiming to be a massage therapist and paid them through cashapp. The day of my appointment, they didnt show up and will not respond to messages or calls so I am unable to get my money back. I reached out to customer support on XX/XX/22 and was told that they are unable to refund my money because it was already sent but if I have any other questions or concerns that I can reach out to them. The only solution they gave was to reach out to the merchant but they are avoiding any calls.
Consumer complaint received 2019-08-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (WI)

Please see the attached statement of payment activity from Mr. Cooper. On XX/XX/XXXX, I received an email from Mr. Cooper stating that my payment had been posted. I checked to see if my XXXX payment had been posted correctly. It had. They showed that {$500.00} had been applied to principle along with the additional {$600.00} that I had sent. The principle balance showed as {$140000.00}. This morning, I received another email saying that my XXXX payment had been posted. Only, this time, this time, there are four new entries. They cancelled out the original posting, and lowered the principle payment to {$500.00} along my {$600.00} additional payment, but now, the principle balance is {$140000.00}. The balance is now {$860.00} higher than what it was before. JUST WHAT IS GOING ON!! As I said before, it is high time for Mr. Cooper to be audited. How many other people are they cheating out of their money?? 

Also, my original complaint against Mr. Cooper has not been resolved. My {$1200.00} additional principle payment from XXXX still has not been applied to my account. I have not received a reply from XXXX XXXX concerning the {$450.00} in legal fees that she claims that I owe, when the trustee of the bankrupty had already paid it. 

I made two attachments. I don't see where they are attached.
Consumer complaint received 2023-07-06
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (VA)

Experian has ignored my previous request and failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in credit report published. 
Under federal law, they had thirty ( 30 ) days to complete investigation from the date received my dispute letter. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 

There was a list of items that were sent in my initial dispute letter that now must be deleted from database. 

The information must be deleted from my report as soon as possible. Not only did Experian not respond in a timely matter, but the information was inaccurate and misleading and as such represents a very serious error in your reporting. 
Once again! Under federal law, Experian had thirty ( 30 ) days to complete the investigation from the date they received my dispute. 

I have attached a courtesy failure to respond letter that was mailed after the over 30 day investigation request with no response
Consumer complaint received 2023-06-28
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: EQUIFAX, INC. (NC)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX VA XXXX XX/XX/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 2023-02-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Global Credit & Collection Corporation (IL)

Was sent a letter By GLOBAL CREDIT & COLLECTION CORP detailing a alleged debt not owed, further more I did not authorize this company to contact me or have my personal Indentifying information, this company do not have my consent un 15 U.S.C 1692 c.
Consumer complaint received 2023-01-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (LA)

Throughout a span from roughly XX/XX/XXXX to XXXX or XX/XX/XXXX, there were a total of 49 ( when I first saw them, more since I realized they were being made ) transactions were being charged to my cash app account. I reached out to Cash App to figure out what was going on as I did not make the transactions, and all transactions were made from XXXX. Cash App was unable to give any assistance or clarification. I reached out to XXXX after Cash App was unable to help, and with the help of an XXXX representative, we realized that the charges originated from a prior Cash App card that had been reported lost or stolen ( when I called Cash App back and brought this up to them, a representative said he did see that the card the charges originated from was cancelled and a new card was issued in XXXX of XXXX ). I explained to the Cash App representative that, although I do have an XXXX  XXXX, it hasn't been used in over 10 years, and it was only used for an XXXX, before XXXX even came out with an XXXX. The Cash App representative explained they would escalate the cade to a higher department and I wouldn't be contacted VIA email by a manager. I have reached out to Cash App on numerous occasions, VIA email, phone, and chat support and explained the entirety of the situation, and repeatedly get told that the case will be escalated, but as months have now passed, I have still not heard from a manager and I am refused to speak to one when I request one on a call. XXXX representatives said they could assist, but not without the full card number that was charged. I have even reached out to Cash App, only for the full 16 digit card number, to let XXXX take care of the fraudulent charges since Cash App would not, and was told I would be emailed the card number, and never was. There are 50+ charges, majority of which were declined, however there are a handful that was approved for amounts spanning from {$4.00} to over {$20.00}. I will attach pictures to thr complaint showing that I have never ourchades anything with the XXXX account. I also have a screenshot of a transaction I attempted as I saw the last 4 digits of the cancelled card were still a stored payment method in my XXXX 's app, so I attempted to push a transaction to test if the approvals were only XXXX & I have a screenshot where the XXXX 's purchase on the cancelled card was declined, but I have screenshots of the declined and approved transactions from XXXX. I also have a screenshot of a dispute I attempted for one of the transactions, and the email with the resulting denial explaining that I authorized the purchase, which has never been the case.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

The loan was in forbearance when they reported my late payments. They also charged late fees. Failing to review borrowers applications for loss mitigation options within 30 days. They received my application back on XX/XX/XXXX, and nothing was done. I had to submit a second application on XX/XX/XXXX. I took them over a year to respond and nothing again lead to have to apply again and it took more than 30 days for a response. I have attached the whole timeline
Consumer complaint received 2022-09-29
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION (AL)

I was charged {$36.00} on XX/XX/2022 and {$36.00} again on XX/XX/2022 for an {$8.00} purchase twice and I've been getting charged since XX/XX/2022 I made countless complaints even thinking that someone had stolen my card so I ordered a new one and I'm still being charged these ridiculous overdraft fees and I'm sick of it
Consumer complaint received 2023-10-18
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. (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, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX Balance : {$1100.00} XXXX  XXXX CO ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX Balance : {$640.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX A ) XXXX Balance : {$640.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-01-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. ()

Over and over I have tried to get access to my account and I have had to make numerous where money here XXXX there disappears and it can't get granted, I've received cards I didn't order and not XXXX time have I got a positive resolution.. this needs investigated
Consumer complaint received 2023-01-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (NJ)

I was scammed on XXXX XXXX XXXX out of {$1100.00}. This company called XXXX XXXX XXXX XXXX XXXX XXXX  promised two days shipping said they sent it XXXX. They sent it to not XXXX  but this place : XXXX XXXX XXXXXXXX They in turn said they would only ship it for XXXX more dollars. At this point I refused to pay themXXXX And they told me to XXXX XXXX XXXX  PLEASE help. I had no money. I tried to start this because I am a XXXX XXXX and I was trying to earn money. I am now broke. I really need advice on how I can get a refund. Cash app has not helped even though I paid ANOTHER cash app customer. PLEASE PLEASE can someone help? My number is XXXX. 
I have ALL the documents and texts and websites. Please please help.