davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (IA)

Here is how I have been victimized by XXXX XXXX and Cash App. 

I started investing in XXXX in XX/XX/XXXX and started out with {$300.00} then I took a large chunk of my retirement money to invest by buying {$5000.00} thru Cash App on XX/XX/XXXX. This was my first time I've ever invested in XXXX. The investment firm I worked with at the time had assigned me a trading XXXX to step me thru the process of continually buying XXXX thru Cash App every few days. XX/XX/XXXX I bought {$100.00}, then I started withdrawing what I had bought directly to this investment firms wallet address. For 3 days I withdrew all that money I had bought to the investment firms wallet address. Then on XX/XX/XXXX I ended up buying {$1000.00} more of XXXX. Then for 3 more days I withdrew that amount I had bought and sent it to the investment firms wallet address. Then on XX/XX/XXXX I bought another {$5300.00} more of XXXX thru Cash App. This whole time not knowing that my money was going to an investment firm that would never release my profits they had promised me. I came to realize after {$31000.00} was bought in XXXX XXXX Cash App and realized that I've invested all my life savings including my retirement money thru my work was gone, I had nothing left to give. This investment firm had milked me out of all my money and promised me I would be able to transfer my profits of {$310000.00} that had grew in 3 months, not knowing that I could not withdraw my profits because supposedly according to the firm, they could not release my profits without paying an additional {$16000.00}. This went on since XX/XX/XXXX. At that time I felt helpless and did not know what to do. I got scared. I needed my money back. I finally realized I had lost all my money to a fake company that pretended to be legit, but isn't. They had a fake license. Fake ID. Fake website. I needed help. I got scammed! 

Kindly find the conversations between me and the scam company attached. 

I've never been through this before. So the whole {$34000.00} I lost to a firm that has scammed me out of my money. Found out this investment firm has scammed not just me, but a large number of investors. I thought by investing I would get a big return. Obviously not. 
So I'm asking Cash App to please reconsider your decision to refund my money back to my bank account, so I can feel confident and secure about my future. I dont have a future now because all my money is gone. I'm XXXX XXXX XXXX. I have grandkids.
Consumer complaint received 2017-09-09
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: EQUIFAX, INC. (NY)

I have been informed by Equifax that my credit report that they kept on file has been compromised, including sensitive and secure personal information such as DOB, SSN, DL, address, etc. 

I also understand that this is a result of gross negligence by Equifax, and could have serious implications, including identity theft, reputational damage and financial fraud.
Consumer complaint received 2021-03-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (NY)

On XX/XX/XXXX at XXXX I sent an amount of XXXX dollars to hold deposit for my XXXX in XXXX for the XXXX of XXXX my coordinator resigned from the place which is XXXX XXXX XXXX XXXX I been calling theses people no stop to give me a new coordinator and my XXXX also left they have no XXXX left and their is nothing left for me at this point the whole point was for me to get my XXXX and they dont not answer the phone at the facility Ive left several of voicemails and nothing Im going to invest my money somewhere else where people answer and not walk out of a XXXX facility I dont have time for XXXX XXXX XXXX  XXXX no sense and ps I dont live in XXXX I live in XXXX XXXX XXXX is now relocated at a facility called XXXX XXXX XXXX I no longer want to continue with this XXXX thank you
Consumer complaint received 2020-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (UT)

AMEX is reporting a 30 day on XX/XX/19 & XX/XX/19 on my credit report. I was never late. I have had an account with them for a very long time and I don't recall getting a statement the months that they are claiming I was late. I have paid the same way every time over the phone. The representative kept saying a PIN was required and then stated that my payment went through.
Consumer complaint received 2017-09-09
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: EQUIFAX, INC. (VA)

My personal information ( social security number, birth dates, addresses, and other compromising information that would make it very easy to be a victim of identity theft or be a victim of credit fraud ) may have been compromised as part of the cyberattack on Equifax that was reported on Thursday,  XX/XX/XXXX ( though occurred a couple months prior ). This is absolutely ridiculous considering since there was no way for me to avoid having my information available to Equifax.
Consumer complaint received 2020-10-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc. (LA)

6 unauthorized transactions were made from my banking institution 's checking account to my Cashapp account -- which I no longer have access to because I have been unattachd from my account by the identity thief. The following unathourized transactions were withdrawn from my account via Cashapp. 

XX/XX/2020 - {$1500.00} XXXX {$940.00} XXXX {$600.00} XXXX {$190.00} XXXX {$100.00} XXXX {$100.00} I have attempted to reach out to cashapp on several occasions and have received no responses in regards to the fraudulent activity that have transpired on my account.
Consumer complaint received 2020-05-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX
Consumer complaint received 2017-09-09
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: EQUIFAX, INC. (NJ)

On XX/XX/17 I learned that millions of customers of Equifax had their data compromised in a security breach. I checked on Equifax 's website and it was confirmed that I was among one of the victims. While I understand that Equifax is also a victim in this attack, they are requiring their customers, such as myself, to manually file fraud alerts and credit checks. Equifax should be doing more to take care of this issue for every single one of their customers. Additionally, the fact that a major company that is involved with countless amounts of sensitive data is not prepared for an attack like this is unacceptable. Now my personal information is available to attackers and I have bear the burden of an increased chance of identity theft for some time to come.
Consumer complaint received 2020-08-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (SC)

On XX/XX/XXXX i called tec. support for some help my question was how do i put cash coming in on my cash app card instead of it going to my checking account. The person i got on the phone useing a number i got online for cash app tech. support said he was cash app support and he could help me with doing that so we went thru process of him making it possible for money received to go to my cask app card sent by cash app. Well i got concerned because the process was taken to long for some thing i thought should be simple to do. He got into my cash app account and i could see him sending money to a XXXX XXXX XXXX XXXX cash app $ XXXX. after seeing this i hung up the phone, then i get a e mail from cash app saying they have detected unauthorized activity and they locked my account to protect my funds then i get message that they have refunded me the XXXX and unlocked my account and that i was good to go this was on the XXXX XXXX. So i try to go to my cash app account and i can not get my account has been unlinked is the message that i get, I have been calling cash app and i have not been able to talk to no one and my money has not been returned to my account i worked for that money and i want it back asap and i want my account back. I called tech. support from a number i got off line for cash app and the number is still on line as tech support for cash app XXXX XXXX XXXX XXXX.
Consumer complaint received 2020-08-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Block, Inc. (CA)

Cash app is refusing to give me access to my account. I keep telling them i did not unlink the account. I would like to just withdraw my funding which is about {$3200.00}. 

If i cant do it i feel like they can withdraw it to the bank on file or send me a check.
Consumer complaint received 2020-08-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (AL)

On XX/XX/XXXX I received a direct deposit of {$450.00} on XX/XX/XXXX I tried to send money out my account was locked I received an email saying that I should regain access within 24 hours this was the last response I got from cash app support. At this point I have emailed them and direct message cash up support on XXXX  and emailed their support team through the app as well and have not gotten a response at all I've had people try and scam me but no one from cash app officially has emailed me back my money is still there I just can not use it this is all of my paycheck from my previous job
Consumer complaint received 2020-05-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (MI)

So my cashapp account and card was frozen or locked XX/XX/XXXX XXXX, I was trying to purchase something then my cashapp card declined when it was money in my acc .So then XX/XX/XXXX XXXX my card declined again .So now I cant send money or spend it.
Consumer complaint received 2016-04-05
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (SC)

The following insurance claim checks were mailed - unendorsed - with the appropriate documentation to Carrington. 
Check 1 : {$2200.00}, dated XXXX/XXXX/XXXX Check 2 : {$1300.00}, dated XXXX/XXXX/XXXX ( {$3600.00} total ) Check 3 : {$9900.00}, dated XXXX/XXXX/XXXX ( {$13000.00} total ) Check 4 : {$2800.00} dated XXXX/XXXX/XXXX ( {$16000.00} total ) Check 5 for {$2500.00}, dated XXXX/XXXX/XXXX, was mailed back unendorsed, stating the claim is over $ XXXX. However, the claim exceeded $ XXXX with the 3rd check two months ago in XX/XX/XXXX. I was not expected to endorse the first XXXX checks ; Carrington endorsed, returned, and I deposited and paid my contractors. I included the estimate, as previously required. But before now, no photographs were previously required ; no contractor bids/estimates were necessary, nor was an Affidavit of Loss Draft Claim needed.
Consumer complaint received 2019-09-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (VA)

I used the cash app as my sole bank. K thought going all digital would be much easier, boy was I wrong. I get my paycheck direct deposited into an account. After I got a new number I was no longer able to get into my old account. I emailed the company a total of 6 times in the past 6 days. They asked from some information regarding both accounts and i gave them what they asked. They kept telling me " Unfortunately, some of the information provided does not match what we have in our system. For security reasons, we are unable to merge these two accounts at this time. '' They won't give me any insight to what the  discrepancy is. My last check was {$370.00} and I was going to use it for rent. I got kicked out of the place I was in and was forced to move in with a friend. Cash app doesn't have any humans to talk to, and they their automated messages aren't very helpful.
Consumer complaint received 2019-09-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (FL)

There was a misunderstanding with my bank regarding a dispute case back on XX/XX/2019. I filed a couple charges as fraud on from my cash app account but my bank inadvertently filed about 3-4 months worth of charges as fraud, which totaled to {$2100.00}. I didnt know this until recipients of the money Ive sent all notified me that the payments Ive sent them were disputed and retracted from their bank accounts via cash app. I immediately notified my bank, XXXX XXXX of what happened and they cancelled the dispute on XX/XX/2019 and informed me that the {$2100.00} will go back to cash app and everyone will get credited back their money. Nothing has come back to my cash app account nor to the people that lost money due to the disputes. Cash app also closed my account due to all the chargebacks and it seems the money is sitting in their system due to my cash app account being closed. My bank said the money was sent refunds back to cash app but their not helping me access the funds. Ive notified them many times that the refund is somewhere stuck in their system but they wont help me because my account is closed. I need help getting access to the refund that was sent from my bank to cash app.
Consumer complaint received 2020-10-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I HAVE ASK THESE COMPANYS TO REMOVE THESE ACCOUNTS FROM MY CREDIT PROFILE THAT I NEVER OPEN OR SIGN FOR.
Consumer complaint received 2017-09-09
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: EQUIFAX, INC. (CA)

Hello, I believe I am one of the affected people from the security breach that happened with Equifax that happened XXXX 2017 as I have discovered from their website, https : //www.equifaxsecurity2017.com/ Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.
Consumer complaint received 2020-10-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Due to Covid 19, my job laid me off and at the time I was laid off I didnt have any income coming in, so I couldnt pay my bills, so at that time they didnt supposed to report that on your credit, I reach out to them and I sent them a letter stating that I had a hardship and they still reported it on my credit, so I really need this move off of my credit.
Consumer complaint received 2020-05-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (IL)

This complaint is about the student loan debt I acquired from XXXX XXXX XXXX in XXXX, Illinois. The school was a fraud school that lied to me about job placement if I attended there and graduated. 
I took out student loans in XXXX to XXXX to attend XXXX. in XXXX, Illinois, XXXX. 
After graduating from XXXX. I made several attempts to figured out what job they were going to find me, but all the attempts were met with lies of having to call back or being sent to the voicemail. 
I found out that U.S. XXXX XXXX XXXX has gotten involved and deemed XXXX XXXX XXXX a fraudulent school that lied to a lot of us. 
As of today XXXX XXXX is shutdown, because of the federal government and I'm stuck with student loans because there fraudulent practice. 
On XX/XX/XXXX I was made to take out {$9400.00} & {$4300.00} in student loans. 
I am making a complaint, because this school was a fraud. 
Please release from these student loans. 

XX/XX/XXXX for {$9400.00} and {$4300.00}
Consumer complaint received 2017-09-09
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: EQUIFAX, INC. (OH)

The Equifax hack leaked my SSN, date of birth, and address. It was confirmed on the Equifax website that I was affected by this. That 's just lovely ...
Consumer complaint received 2020-10-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Bureau of Fort Walton Beach, Inc (FL)

I already filed a complaint with CFPB and they never sent me any documentation of the debt within the allotted time as they previously stated they would. I did dispute the debt with the company as instructed. They verified to have received my dispute and still did nothing to remove the debt from credit report.
Consumer complaint received 2023-07-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (MI)

On XX/XX/XXXX, I searched on the mobile application XXXX to purchase a XXXX XXXX XXXX XXXX for {$6500.00}. After speaking briefly on XXXX, we had a phone call and decided that a {$500.00} deposit to hold the vehicle would suffice so that I could fly up to their location ( XXXX, TX ) two weeks later. On XX/XX/XXXX at XXXX ( XXXXXXXX XXXX ), I sent over the {$500.00} deposit using Cash App. I titled it in the description as " For XXXX can deposit. '' I misspelt " car. '' On XX/XX/XXXX at XXXX ( XXXX XXXX ), after I was unable to reach the owner of the vehicle by phone or through XXXX, I submitted a fraud claim with Cash App. On XX/XX/XXXX at approximately XXXX ( XXXXXXXX XXXX ), Cash App 's Cash App Support informed me " If you already sent a refund request and the recipient has not accepted it, we are unable to do any further action ''. They then informed me that " Cash App is unable to cancel or refund this payment. Please resolve this issue with the recipient directly. '' I have not been able to get them on the phone either regarding this matter. I have gone through my bank as well but they've informed me that Cash App is the company that this transaction went through and they must be the ones who get the money from the scammer. I have yet to receive my {$500.00} back, Cash App keeps informing me that they can not do anything even though I have been scammed and followed all the Cash App rules.