davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to 3rd party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. I feel like I'm being taken advantage of and being ignored. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable account that is kept to be established as correct. I am in desperate need of this item to be INSPECTED and REMOVED. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2021-06-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (TX)

The XXXX of XXXX my identity Was stolen they stole my purse and not had everything in it from my phone to my wallet Which had my social and I had my credit cards and banking information as well as personal information they took the time to go online to the private website where they were able to gain all my information I found that out through bank statements throughCash AppXXXX XXXX in XXXX XXXX  when they went online to the private side they drained all of my funds they got on my phone and drained all my funds from XXXX and because they didnt have a XXXX credit card because it was at my house they transferred everything to the Cash App which is again on my phone Ive called Cash App and there is a buddy who answers Ive emailed them millions of times and nobody answers I am almost 8 grand in debt because they got a hold of my tax information my everything Ive contacted XXXXThis is the second time that they hang up on me out of the seven times that called I feel very unappreciated and not like a valued customers just want my money Back Ive already contacted the FBI Ive already contacted the XXXX XXXX on other thanks which wouldve been Cash App I dont mind reporting XXXX for the route customer service every time I never made a transaction my stuff was stolen what was recovered was an empty post with a crack phone What Im using right now I need yall as Im cash app amd pay pale to understandThat I never agreed or authorize any transactions and I need my money back or we can take it to legal matters and I cant get a lawyer and sue yall I am literally in some hardship right now and all I want is my money back not even the government my money do you have any questions feel free to call me at XXXX you can also email me at XXXX XXXX
Consumer complaint received 2021-06-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc. (FL)

Follow up to Complaint Number XXXX. Remains unresolved. 
Cash App Reference Number : ref : XXXX : ref I am unable to access my Cash App account after purchasing a new phone and installing app. 

There is a serious disconnect between what the Social Media Team on XXXX is telling me and what the CFPB is telling me. One telling me to set up new account. The other to request password be reset. Which is it? I have submitted information to have password reset. I have also tried to set up new account. In each case I receive pop up on phone that states " unable to sign on on this device. '' No other financial institution. No bank. No Credit Union. No Investment House. No P2P payment system requires this or makes users go through this process. 

Response from Social Media Team on XXXX. XXXX  XX/XX/XXXX. 
Again, you need to create a new account using a new phone number or email address. The reason you are having trouble making a new account, is due to you likely attempting to use the phone number and/or email address linked to your other account. 

Response from CFPB Monday XX/XX/XXXX As set out above, after several unsuccessful attempts to log into your Cash App account with your PIN, the PIN is automatically locked. Cash App Support has offered to assist you with resetting your PIN. At the time of this writing, we are currently awaiting your responses to the email sent to you on XX/XX/2021 in order to verify your account information, and once verified, your PIN will be reset. Please review this email correspondence and respond at your earliest convenience. We hope this response satisfactorily addresses your complaint.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Ive noticed unauthorized inquiries on my report OR someone applied for something in my name. AND Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized items must be removed from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts included in this FTC has violated my rights. 15 U.S.C 1681 section 602 A. States I have the 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. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-05-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc. (MS)

I want a full refund from cash app ( XXXX XXXX ) because I did not receive my merchandise in a timely fashion she stated allow 13 business days from XX/XX/2021 and a lack of communication. Cash app stated their unable to refund me to request my money back from XXXX XXXX. I have notified my bank of the issues I'm having with cash app all I want is for them to do the right thing if I didn't receive something I purchase and paid for it through your company your able to assist in refunding me. 

On Wednesday, XX/XX/2021, XXXXXXXX XXXX, Cash Support <emailsupport@cash.app> wrote XXXX Hi XXXX , It looks like youre reaching out for help canceling a payment to someone else. Cash App is unable to cancel or refund completed payments. We recommend that you attempt to request the funds from the recipient. 

To do so : Enter the amount of the transaction on your Cash App home screen Tap Request and fill in the To and For fields Tap Request again to complete the request To learn more, please visit Cash App Terms of Service. To learn how to further secure your account with safety features, please visit our Help Center. 

If you would like to dispute this payment, please provide the following information for each transaction in question. Without answers to each question, we will be unable to investigate further. 
Date : Payment amount : Recipient name or $ Cashtag : Reason you are disputing the transaction : In addition, to help us investigate your claim, please provide the following information : Provide the make and model of each device used to access your Cash App : Contacting us about something else? Please reply to this email with as much information as possible. 

Thank you, Cash App Support ref : XXXX : ref
Consumer complaint received 2021-06-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (GA)

I contacted a man selling an XXXX XXXX XXXX  on XXXX XXXX XXXX, we talked and I made sure I asked Numerous questions about the device, received pictures, it all sounded so promising even after I was skeptical in the beginning questioning him. Everything added up to me, so I linked my bank to my cash app card & sent it that way. This morning I go to the post office to get my package open it up and its a voice recorder in a XXXX XXXX box wrapped in grocery bags. I have proof of the entire conversation, evidence of him verifying Everything he said was true, etc. I really would like to speak to some sort of authority about this. It is not okay. I didnt really have the money to spend as it was. Let alone spend it & not even get what I paid for. There has got to be a way we can handle this. Please reach back out to me ASAP.
Consumer complaint received 2022-10-27
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: Experian Information Solutions Inc. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXXXXXX XXXX XXXXXXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2021-05-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (AZ)

I sold furniture to a buyer. I found a shipper who asked me to pay for the shipping via Cash App on XX/XX/2021 and then they would reimburse me once the buyer pays for shipping. The buyer paid for shipping that same day. The shipper never picked up the shipment. Buyer and I contacted shipper several times requesting fulfillment of service or refund. Shipper is not responding. I contacted Cash App since their website states that you can dispute a payment. I called and emailed several times with Cash ap. They keep telling me that they can not help me with this issue.
Consumer complaint received 2021-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Block, Inc. (IN)

I received a cash app visa debit card in the mail. I don't have a cash app account and have never used the cash app service before. I believe that someone has opened an account fraudulently in my name. I have attempted to reach out to Cash App dozens of times to resolve this issue. They basically have no customer support network. The attempt to redirect people to logging into their app for customer service, which i can not do because i do not have an account. When trying to call their number, it just says they will call me back and it hangs up on me. They haven't called me back and I am unable to get in contact with them.
Consumer complaint received 2021-05-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Block, Inc. (NY)

I had cash app for about a year. In XXXX I believe it was I purchased a new cell phone from XXXX store and data and apps were transferred over. When attempting to log back into my cash-app account it said my new device was not able to do so and to contact support. I did so through the app and email. I was told to create a new account in order to gain access to the old one. I did so and provided new account information to rep via email. 

After a string of copy and paste emails from different reps I got an answer of we cant grant access to the old account in order to protect your new account. I didn't need or want a new account to begin with. After 2 months of the same email requesting the same info to prove my identity and that the account indeed belongs to me I was simply told there is nothing they can do and there is no further information they can provide. I asked numerous times what they needed and it was still the same response. Nothing can be done. 

I have money invested in stocks through the app on the old account and I even still get emails updating me about earned dividends and investor voting. Yet they still won't provide access or further info as to where my money goes and how to retrieve documents needed for tax filings. I made a complaint to XXXX  and Cash App responded read terms. Again nowhere does it state they can just keep my funds. I just want to be able to cash-out my stocks and be done with them all together. Please assist.
Consumer complaint received 2021-05-25
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Block, Inc. (MA)

Dear CFPB Staff : 1 ) I established my Square Cash App cash debit card account roughly four years ago. 

2 ) On XX/XX/2021 at or about XXXX XXXX. EST, I attempted to use my Square Cash App Card to pay for an email service. 

3 ) On XX/XX/2021, at XXXX XXXX. EST, at about XXXX XXXX EST my Square Cash App Card was frozen with a positive balance of {$300.00} 4 ) On XX/XX/2021 at XXXX XXXX EST I attempted to access my Square Cash App funds but was unable to do so. 

5 ) On XX/XX/2021 at XXXX XXXX EST I accessed my Square Cash App account via the company 's portal. The portal indicated that a fraud alert had frozen my account. 

6 ) On XX/XX/2021, at about XXXX XXXX. EST, while accessing my Square Cash App account on the portal, I informed the company that there was no fraud and that I had specifically attempted to use the card for the vendor which I named. 

7 ) My money is still not available today, XX/XX/2021. 

I am a XXXX XXXX mostly working XXXX XXXX at a XXXX XXXX XXXX XXXX and need access to my funds. I am especially concerned to see online that many other customers of Square Cash App have experienced the same inability to access their funds after notifying Square Cash App that there was no fraud on their account following a fraud hold, and specifically citing the vendor they had attempted to pay. 

I have never had my funds held by any other debit or credit card provider after directly confirming the absence of fraud and indicating the specific vendor I had attempted to pay with that caused an erroneous alert, and in every other case the hold has been instantly removed. 

I am more concerned for others who are more vulnerable than myself, as this could really be devastating for low income single parents with children. 

Thank you for your very important work. 

XXXX
Consumer complaint received 2021-05-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (CA)

Someone been clearing my bank accounts but the banks havent been any help I even had ppl open themselves accounts with my ss in XXXX XXXX and they wont even close the account. I currently was expecting a XXXX deposit to my cash app for close to XXXX but someone got into my online account changed it to all there info the site wont help me change password or secure my account or give me any of there info all info being told to me is XXXX is the card which who received my funds and its been a run around with these ppl. I dont get who is doing this to me I have two ppl who been doing nothing but steal all my personal belongings and stealing my personal info as well and Im getting so sick of struggling and ppl taking advantage of me Im to nice of a person but I havent even been socia due to all this my guard is constantly up I been car less and money less thanks to who ever fraudulently using my identity I really need help!!!! Please I found out at XXXX I had bad credit please if anyone can please help me its not fair to suffer thanks to someone else. I want to press charges on who ever is doing this to me. They said XX/XX/XXXX the person received XXXX and then two more payments of XXXX. And they alternate all my info to theres some how so Im guessing either my icloud is hacked or someone cyber stalking or someone who knows my info getting all my funds from all my accounts idk what else is all actually happening but Im so upset
Consumer complaint received 2021-05-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (CA)

I sent the money and the person 's cashapp got banned and after cashapp kept closing my tickets and stopped responding on XXXX saying that they put in void notification but my bank saw nothing of a void notification they closed the ticket and stopped responding. 
This payment was worth a XXXX
Consumer complaint received 2021-05-03
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Block, Inc. (OH)

I have been the victim of ongoing identity theft and people have tried opening numerous different accounts at different places using my personal information. After it happen the first time ( 5+ years ago ), I thankfully froze my credit and put a PIN on my IRS file. People have once again started using my information earlier this year to file a fraudulent employment claim, open several checking accounts and debit cards, a brokerage account, and a failed attempt to open a credit card. For the most part, I have been able to call the financial institution in question to get the fraudulent accounts closed relatively easily and in a fairly short amount of time and have received some sort of confirmation of account closure. The exception is CashApp by Square. Back in late XXXX, they mailed a fraudulently opened Visa debit card to a former address of mine ( thankfully it is my mother 's house ) that was issued under my maiden name. Immediately upon opening it upon the my next visit to my mother 's house on Friday, XX/XX/XXXX, I called CashApp to get the fraudulent account closed. It was very difficult to find any sort of phone number by which to reach them, but found a number on the sponsoring bank 's website ( XXXX XXXX ). Surprisingly, I got through fairly quickly and spoke to someone. However, he said I could not speak to a fraud team directly and he could not confirm whether there had been any activity on the account even if I provided him the card number. That seemed unfair to me, but he said he would send me an email where I could send the details and I would get a secure link to share the card details. I provided my email address and promptly receive a message from emailsupport@cash.app. However, I never heard anything else after that. I provided the requested summary of the situation via reply email the following day ( and the card data via the secure link ) and asked for written confirmation of the account being closed, confirmation of any activity on it, and ask that they flag their system so that no additional accounts could be opened with my name or personal information. Despite follow up emails to them, I never received a reply. Then, on XX/XX/XXXX, a second fraudulent card arrived at my mother 's house in my name. I spent all day today trying to call them back, to no avail. I called 17 different times between XXXX and XXXX XXXX today and received various different recordings that ultimately cut me off saying that no one was available to speak to me. Sometimes the recordings cited high call volumes, sometimes they referred me to the mobile app which I obviously do not have as I am not a customer, other times it just cut me off. It is unacceptable and unfair that there is not an easily accessible phone number for consumers to call to resolve issues of identify theft being perpetrated through their company.