davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (ID)

On XX/XX/2024 My phone was phished by calling XXXX XXXX to discuss why my bank transfer from XXXX  XXXX XXXX had not been processed yet, during that call the member on the other line indicated that they were looking into it but we got disconnected when I was placed on hold.The account was in my husband XXXX XXXX name and number they sent him a text message see attached to tell him to call them back, which I only saw at a later time. After that point, I noticed my cash app had bitcoins purchased and sold, and several transactions were processed see attached photos. Transactions started at XXXX XXXX with them trying to add {$750.00} to my cash app account it was declined and failed, at that point they then added XXXX to the account which they then purchased XXXX in Bitcoin I had a money balance on my cash app account that they also used. From there they attempted to add XXXX and were declined/failed @ XXXX XXXX, they then attempted to add XXXX and it was declined/failed. then XXXX was again decline/failed again attempting to add XXXX failed, at this point at XXXX they added a debit card that was saved to my phone that was attached to my sons XXXX XXXX XXXX account and XXXX XXXX to my XXXX XXXXXXXX Checking account where they then were able to add XXXX dollars to cash app @ XXXX at that time they sold the bitcoin on cash app for XXXX. There was another attempt to add XXXX to cash app which was declined and marked as fraud by cash app @ XXXX XXXX after that they cashed out XXXX to my XXXX account see attached photos. at XXXX XXXX they made another attempt to add money to cash app for XXXX which failed. At this point the money was all gone from mine and my son 's XXXX XXXX  accounts and cash app and was all moved to my XXXX account see attached photos. Meanwhile they were doing the same thing in XXXX they moved all monies from our Credit builder account into the checking account and sent XXXX to a XXXX XXXX @ XXXX XXXX. At XXXX they moved the XXXX from cash app to XXXX, at XXXX XXXX they sent XXXX to XXXX XXXXXXXX then again @ XXXX XXXX they send XXXX to same person leaving {$5.00} left in my XXXX bank account. At which point I saw all the transactions and immediately started online fraud cases with XXXXcash app/ and XXXX XXXX. I called all XXXX as well to inform them of what was going on so that they could freeze my accounts. 
Cash app has opened XXXX cases not and indicated that because it was done from my phone that it was done with my knowledge, which it was not, that they are declining my requests for fraud and will not seek further approval for repayment. 
I am still currently waiting on the cases from XXXX XXXX and XXXX XXXX. 
Thank you for your assistance with this matter and all that you can do to help me with helping me to obtain a solution in my case
Consumer complaint received 2020-06-20
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: CREDIT ACCEPTANCE CORPORATION (MI)

I spoke with a representative who noted my account that I am severely injured and have no current income. I made a smaller payment in earnest to show that I am still trying to keep my account in good standing. I was told to contact them again in 2 weeks with an update on status. Since then they have contacted me daily demanding payment. I have submit a complaint through their system, but the harassment continues. Today ( XX/XX/XXXX ) they even threatened to " keep calling '' until the debt was settled. Furthermore the amount they are requiring me to pay overall is almost double what the agreement stated at the dealership was. I have been paying on time for over 2 years, totaling upwards of {$6500.00}, and when I requested to know how much more was left they gave me a number over {$6000.00}. The car is a XXXX. This is overall four times what the car 's value is. It almost three times the value of when I purchased it.
Consumer complaint received 2024-01-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (AZ)

Cashapp allows you to send money to your account and between cashapp accounts but will not let me use my card for any purchases for over a week. They will not give me any reason why they are being declined. I can not withdraw my money from ATM, you can only send it to a bank account for a ransom fee. If your services dont work why am I able to give you my money? And then XXXX cant remove it without paying you a fee. When you ask the reason why they can not find out, they can not tell you and they wont tell you what is needed to turn the card back on. Managers are supposed to reach out for assistance through email but it is never received. Its been almost 2 weeks without being able to use my account and no assistance. Fraud at its finest.
Consumer complaint received 2017-06-13
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Southern Financial Systems, Inc. (MS)

I received a letter fro m Southern Finance i n  XXXX  stating that I owe  XXXX  for medical bills. I sent a money order for {$50.00} in  XXXX  so I could start paying toward the balance. I received a phone a rude call today from  XXXX  at  Southern Finance,  after I would n't respond to her rude phone call she hung up, and it resulted in me talking to her boss. He stated that I had balance of over  XXXX  and I could n't pay {$50.00} but I had to pay {$100.00}. I told him that a payment arrangement was not arrange so I started paying {$50.00} per month and he said well you need to pay {$100.00}. I repeated that I will only pay {$50.00} and he stated well I will sue you in court. I have also asked them not to call me but they can contact me via letter and they continue to call me.
Consumer complaint received 2017-08-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: HEARTLAND PAYMENT SYSTEMS INC (OR)

Heartland ESCI charges for all payments except for AutoPay. It is a {$2.00} charge to pay online and a {$10.00} charge to pay over the phone. These fees are excessive and unfair. You should not have to pay a fee to pay your bill.
Consumer complaint received 2017-08-26
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: Experian Information Solutions Inc. (DC)

An account listed on my Experian credit report is not mine. I have tried using Experian 's online dispute process, but an error message appears. Furthermore, the toll-free number provided does not allow me to speak with an individual to explain the error. I would like the fraudulent account removed from my credit report immediately. I would also like to see Experian fix their online dispute process so that it is possible to submit a dispute online. Furthermore, it would be great if Experian did not so aggressively try to upsell to paid products. Right now it is difficult to find information about submitting a dispute because it is buried within their website and overshadowed by appeals to pay Experian for extra services. Experian should honor their obligation to the public to regulators by making it easy and free to correct inaccurate information.
Consumer complaint received 2024-01-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Block, Inc. (VA)

I went to XXXX XXXX XXXX to purchase an electric fence to ensure bears would leave my honey hives alone. 
I never received the product or any confirmations for the order, my card was charged. I submitted a dispute with cashapp and they denied refunding my money twice. I later learned the website is a fraud non of the contact information works on the site and none of the contact forms work either. I shared this with cashapp and they refused to refund my money
Consumer complaint received 2022-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NJ)

I noticed 2 fraud charges on my Chase credit card account for {$400.00} and {$400.00} at XXXX XXXX. Immediately called Chase customer care. They reversed the charge and issued a new card. However, a month later today, I noticed those charges back on my account. Called Chase and they told me our investigation found card was used in-store. Since cards with chips cant be cloned, it had to be you. They said they will look into it more but I am just frustrated by the time and energy I am having to spent into this.
Consumer complaint received 2017-04-11
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

i purchased a XXXX vin XXXX from XXXX XXXX contact number XXXX they repossessed my car for none reason i have a contract the are wrong i have a contract i never miss any payment the are telling me because i do n't have any driver license or i 'm not legal and this country they take my car i 'm resident of this country but i do n't have any driver license only id i feel this is discrimination again my person my account number with them is # XXXX my name is XXXX please help me my contact number is XXXX the telling me i do n't have insurance i do have only excuses to taking advantage of me please help me
Consumer complaint received 2017-08-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC (GA)

I have received a call from Lanier Collection agency on a few collections I have in there office. Not once was I given proof of the bills. The lady did not mention to me that it was an attempt to collect a debt or anything in that sort. I personally work with a collection agency and know the laws. I wanted to make a complaint before my attorney out of XXXX gets involved.
Consumer complaint received 2021-01-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Oliver Adjustment Co. (WI)

OAC COLLECTIONS IS REPORTING DEROGATORY INFORMATION TO MY CONSUMER CREDIT REPORT : Attempts to collect debt not owed. Debt is not mines. 

OAC Collection Specialists, Inc. ( OAC ) is a third-party collection agency based in Wisconsin. OAC has received consumer complaints alleging violations of the Fair Debt Collection Practices Act ( FDCPA ), including failure to verify debts and attempting to collect debts not owed.
Consumer complaint received 2017-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MI)

I 've called the XXXX multiple times and also the companies to get these inquiries removed that I had no knowledge of with no results. 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 2017-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I 've called the   XXXX   multiple times and also the companies to get these inquiries removed that I had no knowledge of with no results.       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 2017-08-26
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: CAPITAL ONE FINANCIAL CORPORATION (WA)

Send certified letter on X/X/2017, no respond. Copy of letter enclosed. They have my account with XXXX  in a negative status.
Consumer complaint received 2022-08-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Had a Capitol One credit account that was opened in XXXX. Never sent to collections, shows charged off on my credit file in XXXX. Lawsuit filed XX/XX/XXXX, did not get any notice of the attempt to collect a charged off debt by Capitol One. The companies lawyers sued me and garnished my pay for an account that is over the collection statue in Virginia. Was not able to fight it due to the response guideline set by the court.
Consumer complaint received 2022-03-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (NC)

received bogues checking account with checks from TD bank in mid XXXX after receiving a {$5.00} dollar check the day before that could only be cashed at TD bank. distroyed both checks and {$5.00} check and today recieved a statement showing activity onXXXX of {$5.00} amounts -- spoke with TD bank on XX/XX/2022 fraud dept said they were showing no activity and but up block on that day XX/XX/2022 Local Police report XXXX XXXXXXXX XXXX XXXX report # XXXX with many victims in this county
Consumer complaint received 2017-06-13
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: Experian Information Solutions Inc. (AL)

SOMEONE OPEN UP FRAUD ACCOUNT IN MY NAME XXXX XXXX  DID NOT PROPERLY REVIEW DOCUMENTS PROVIDED. ONXX/XX/XXXX I FILED A POLICE REPORT WITH THE XXXX POLICE DEPARTMENT DUE TO STOLEN IDENTITY. SOMEONE OPEN UP A PAYDAY LOAN USING MY SS #. THE POLICE REPORT SHOWS AT THE TIME THIS HAPPEN I RESIDED AT XXXX XXXX XXXX XXXX XXXX AL XXXX. AND ALSO THE OWNER OF THE PROPERTY XXXX XXXX XXXX XXXX AL PROVIDEED A MOVE IN DATE TO XXXX THAT CLEARLY SHOWS I COULDNT HAVE POSSIBLY LIVED AT 2 PLACES AT 1 TIME. I SUBMITTED PROPER VERIFICATION AND XXXX DID NOT LOOK INTO ANY OF IT .ALSO MY FIANCEE WAS LIVING AT THE SAID PROPERTY IN XXXX XXXX AT THE SAME TIME SOMEONE OPEN UP A ACCOUNT USING MY INFORMATION HOW CAN 2 PPL BE BILLED AT THE SAME TIME SAME ADDRESS SEE ATTACHED BILLS
Consumer complaint received 2017-06-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (AL)

I opened a new account with Wells Fargo Bank to receive direct deposits from my employer ( XXXX XXXX ). Shortly after the account was opened, there was some fraudulent activity. Someone attempted to deposit a fraudulent check in the amount of {$2400.00} on X/X/17 made payable to me. A hold was placed on the availability of funds and there was no loss to the bank but I was charged a fee for the returned item. On X/X/17, Wells Fargo cashed a check in the amount of {$5000.00} drawn on another Wells Fargo customer and made payable to someone other than me, but charged my account on X/XX/17 with a {$5000.00} debit when it was determined that the check was forged. The signature on the back of the check was altered and does not match my signature. There is also nothing on the check to indicate that identification was obtained on the individual who cashed the check. When my payroll check was deposited, Wells Fargo offset the funds credited against the overdrawn account. I completed an Affidavit of Forgery on X/XX/17 to state that I had no knowledge of the fraudulent check or the individual cashing the check but my claim was denied. I also explained that my personal information had recently been compromised via an on-line job website. The Fraud Department states ( per letter dated XXXX XXXX 2017 ) that I was identified on camera, my signature matches the signature on the check and my identification was obtained. However, my name was misspelled by the individual ( s ) signing both checks ( {$2400.00} and {$5000.00} ). More importantly, I was at work on the day that the check was cashed, from XXXX XXXX until XXXX XXXX, with an hour for lunch starting at XXXX XXXX. I filed a police report and per the police investigation ( XXXX Police Department - Case # XXXX ), Wells Fargo failed to provide video surveillance stating that no video of the incident existed. This contradicts the reasons stated for denying my claim of fraud. The investigator also stated that the identification obtained by the bank belonged to the male individual who the check was made payable to and I am a female. The investigator also stated that the check was cashed around XXXX XXXX on  X/X/2017, while I was at work. I have requested that the investigation at Wells Fargo be reopened and re-evaluated, but the fraud department refuses to  review the information that disputes their findings. They failed to follow Know Your Customer procedures and they failed to protect me as a consumer. The check was drawn on their bank and they should have been able to verify the signature of the account holder prior to cashing the check. I barely had {$40.00} in my account and there was no way that a new account customer should have been allowed to cash a {$5000.00} check with an altered signature. No security measures were taken to prevent the fraudulent activity.
Consumer complaint received 2024-01-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (IA)

XXXX Iowa XXXX XXXX XXXX  XXXX Called the XXXX  XXXX XXXX  XX/XX/2023 regarding the transaction. In first phone call, an employee stated that they would be able to count the ATM and see how much short they are, but then after being placed on a brief hold I was told she was not able to do that, and to contact my bank which made the transaction, which was CashApp. 

-Cash App : -I disputed 3 times with Cash App, with 2 out of the 3 experiences being extremely negative and unhelpful. I was hung up on after asking simple questions, and had to call back to file a complaint with the manager. The manager is now reaching out to their " dispute team '' and it is going to take " a couple days '' to get back to me. 

ABOVE IS WAS JUST HAPPENED, THIS IS THE PRE TEXT : XXXX XX/XX/XXXX at XXXX XXXX, I withdrew {$360.00} from Security XXXXXXXX XXXX XXXX XXXXXXXX Iowa XXXX ( total XXXX with fees, {$3.00} operator fee, {$2.00} cash app fee ), and I did not withdraw the money in time at the ATM. The money went back inside the ATM after I did not collect it after the allotted time allowed for collection. I then put my card back in, got another XXXX, and left. I called the next business day ( XX/XX/2023 ), regarding the issue that happened. The bank essentially told me ; this is not our problem, this is Cash App 's problem. Please file a dispute on Cash App 's end and they will handle it. Well, they have not. I have filed 3 disputes and they have all been denied ; because Cash App has FAILED to initiate a proper investigation. They have not even contacted the XXXX XXXX XXXX, Per the President of the XXXX Iowa Branch.

In essence, Cash App needs to be held accountable and my money should be reimbursed into my account as soon as possible. ALL Cash App needs to do is call XXXX XXXX XXXX, verify by VIDEO FOOTAGE I did not get the money, and then refund it into my account. It seems that simple, no? XXXX XXXX XXXX  stated they will not release video footage unless their is an ongoing police investigation, or some sort of legal thing happening. 

However, this is not taking progress. It seems like this issue is not going to be resolved by them. I am living paycheck to paycheck and I need my money as soon as possible. I was withdrawing that money for rent. 


I just want my money back. This seems the only way since CASHAPP has FAILED to initiate a PROPER and LAWFUL investigation, not only failing to provide accurate reasoning but did not even reach out to AFFECTED TRANSITOR.
Consumer complaint received 2020-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (MD)

I used the XXXX link on the home page of my church to pay my XXXX, unfortunately the payment was sent to a non church organization. After contacting American Express and XXXX in XXXX, XXXX reversed the charged on my credit card. American Express denied the credit adjustment and recharge me, when I called them the same night I discovered the charged. When I filed a dispute with American Express, the closed the case and left the {$800.00} charge on my account after indicating that the issue would be resolved. It is now XX/XX/2020 and the issue still is not resolved.
Consumer complaint received 2019-03-02
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Information belongs to someone else
Company: Commonwealth Financial Systems, Inc. (VA)

A collection or line of credit which is not mine and was not known to be and is fraud appeared recently on my report- the name is COMMONWEALTH FIANANCE located at XXXX XXXX XXXX, XXXX , PA XXXX per credit report and was opened XX/XX/2019 ( fraud ). There is no way to contact them and multiple complaints are online about the fraudulent company.the referenced account number is XXXX, related to a balance not owed but listed as {$580.00}.
Consumer complaint received 2017-06-13
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. (MD)

XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX , MD  XXXX   XXXX    XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  I have been disputing  XXXX   XXXX  and  XXXX   XXXX ,  XXXX  for over a year and to no avail they have not validated the debt that they are reporting to the CRA 's Experian and  XXXX .     I have received documentation that  XXXX   XXXX   XXXX  is now managing my account and they are soliciting information from me regarding the account to assist them with verifying and validating information they should already have.     It is also apparent that these companies are all entities of  XXXX   XXXX  and rotate the accounts around when they are demanded to validate it.     Correspondence letters that have been sent to me have inconsistent addresses and paperwork submitted as their version of verification.     I have also found that these companies have been suspended from collecting in the state of Maryland in which I reside. Proof will be in the attachments provided.      XXXX   XXXX  and  XXXX   XXXX ,  XXXX  need to be removed from my credit report managed by both Experian and  XXXX . Both of these CRA 's are in violation of FTC, FCRA, and FDCPA rules.