davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2021-05-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (RI)

CASHAPP is a horrible company. I thought my money was safe. I thought my investments were safe. I had about {$300.00} in bitcoin sitting in my cashapp. Also about {$50.00} cash sitting in the account. One day XXXX XX/XX/XXXX ) I got an alert saying thank you for your XXXX $ purchase of bitcoin. I said HUH? Then I go to check and it said I was logged out of cash app. Someone hacked into it. Then after hours of trying to gain owner ship again, I seen that hackers took my original XXXX plus the new XXXX $ of bitcoin and sent it to their account. Very sophisticated scammers apparently. I personally believe this seems like an inside job because of the convenience and intelligence of the situation, also the commonality. It happens to quite a few people for small amounts but this was XXXX XXXX I was on the phone emailing, waiting for call backs for weeks. Here we are 25 days later and still no response. They always respond with a generic long email asking to fill out 10 questions which I answered already 6x. No moving forward after that 1 email. I give up. I take the loss I guess. Your money is not safe with cashapp/square company I guess. All I wanted was them to see where this money got sent to. I dont think that is too much to ask?
Consumer complaint received 2021-04-30
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc. (ME)

On XX/XX/2021 SQUARE CARD debited my account for {$200.00} to pay a vendor XXXX XXXX. The vendor was ALREADY PAID BY ME from a different account, a different bank. 

This vendor wrote the Square Card dispute team several times to CANCEL her dispute to let them know that she had been paid by me directly. 
They wrote her back & refused to communicate with her! 
The vendor & I BOTH wrote them and sent them receipts to show that I paid the {$200.00} directly to the vendor. They STILL REFUSED TO LISTEN & have STILL DEBITED MY ACCOUNT!
Consumer complaint received 2024-08-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TX)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA XXXX. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
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. (MI)

Per the Fair Credit Reporting Act XXXX USC XXXX SEC XXXX clearly states that " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness impartiality, and respect for the consumer 's right to privacy. '' XXXX, Transunion, and XXXX are consumer reporting agencies, and I am the XXXX. As the XXXX I have the right to make sure my private information isn't shared which per XXXX USC XXXX back it by stating " It is the policy of XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. " ( XXXX XXXX  XXXX XXXX XXXX is a financial institution by definition under that title. XXXX USC XXXX SEC XXXX section XXXX states that that " In general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( XXXX XXXX XXXX ) XXXX XXXX XXXX and the Consumer reporting agencies XXXX, TRANSUNION, XXXX do not have my consent to furnish this information, and they absolutely Do Not have my written consent. Any and all consent to XXXX, XXXX, TRANSUNION, and XXXX OF XXXX XXXX WHETHER IT BE VERBAL, NON- VERBAL, WRITTEN, XXXX WRITTEN XXXX IMPLIED, OR OTHERWISE IS REVOKED. XXXX XXXX XXXX ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is given explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX NEVER XXXX ME OF MY RIGHT TO EXERCISE MY NON-DISCLOSURE OPTION. Not only that per XXXX XXXX XXXX ( a ) ( XXXX ) states '' XXXX as authorized under subsection ( b ), but no consumer reporting agency XXXX also 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 XXXX years. '' This account is in adverse item they are reporting again without my permission which is against the law. XXXX USC XXXX XXXX ( A ) ( XXXX ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX USC XXXX states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section XXXX of this title and to limit the furnishing of the consumer reports to the purposes listed under section XXXX of this title. '' XXXX, TRANSUNION, AND XXXX ARE NOT maintaining reasonable procedures. And to add XXXX XXXX states that " A consumer may exercise the right to opt out at any time. " I am opting out of your reporting services.
Consumer complaint received 2021-04-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc. (IL)

I used cash app to deposit {$29.00} into a different XXXX XXXX that I am a the account holder of. The funds should have been sent to my debit card. 

I used Cash App instant deposit which should have transferred the funds immediately. The funds never arrived/received by my bank. XXXX XXXX does not have the funds and has no record of receiving any funds and no funds are being held by XXXX. 

Cash App has refused to refund the missing deposit and/or provide me with a trace number
Consumer complaint received 2021-04-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Block, Inc. (CA)

I have a debit Visa card from Cash App. In the app, I can add a promotional " boost '' to the card for getting 10 % back on purchases made at specific stores. I selected such as boost for XXXX and made a purchase of a gift card at that online store, but did not receive my boost. When I inquired about this, I was advised that buying a gift card was excluded from boosts. However, nowhere on Cash App 's app or site do they explain this. I've repeatedly asked their customer support to show me an app screen or web page that explains this exclusion, and they have not been willing to do so. I believe such a page does not exist.
Consumer complaint received 2021-04-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc. (NY)

Hello I have XXXX dollars investment in my cash app account and I cant get it back because I can't verify my identity. 

I need to verify my identity with state ID and SSN but I can't because I'm not American and I don't have SSN or state ID. 
I already try to speak with cash app support and then told me this is the only way to verify your identity right now what I need to do???
Consumer complaint received 2021-04-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (GA)

My company, XXXX XXXX XXXX XXXX, was paid through Square by XXXX XXXX XXXX on XX/XX/21 in the amount of {$1200.00}. I received an email on XX/XX/21 from Square that {$1200.00} would be transferred into my bank account on Sunday, XX/XX/21 and would be reflected in the bank account balance on Monday, XX/XX/21. My Square account was hacked into and the account number was changed to a bank account number that was not mine. Therefore, I never received the money. I have replied to the XX/XX/21 email Square sent 3 times and have not gotten a response. I have attempted to call their customer service number and the automated system keeps referring me to an email I did not receive. I do not know any other way to contact them.
Consumer complaint received 2021-04-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (NJ)

On tuesday XX/XX/XXXX I was scammed and the scammer had me open a Cash App account and send money to an unknown party. As soon as I realized what happened I called Cash App. Their customer service number refers you to their online support app. I sent information in the support app who then referred me to an email support group. For two days I went back and forth with them and finally they said they would not assist me and to report it to the police. Every company should have a phone number you can call to report fraud and if they had worked me when I reported it the transaction could have been stopped or reversed. I am also working with my bank but I feel that Cash App should be investigated for poor consumer practices and lack of consumer response. I would advise anyone who uses this APP not to.
Consumer complaint received 2023-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MA)

None of this information is mine, I need it to be removed. 

AXXXX 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 2021-04-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (PA)

I sent money to a friend but my friend is not able to get into the account because it is asking her to verify a debit card that she no longer has. My friend opened up another account with Cash app and has asked them for help getting into the old account. Cash app says that they can not help her get into the old account nor can they transfer the money to her newer account. She has been in contact with Cash app since XX/XX/XXXX. I have also been in contact with Cash app since XX/XX/XXXX. I would like for either her to receive the intended money or for them to just send me back my money. Cash app keeps saying that there is nothing they can do for me & my friend gets the same response. 
I sent {$66.00} on XX/XX/XXXX. I contacted Cash app on XX/XX/XXXX by email. I then contacted them again by phone numerous times with the last time being on XX/XX/XXXX At that point I asked for a manager. I was told that I can only communicate with a manger through email. Manager stated that they could not help & the recipient needs to reach out. However she has been reaching out to Cash app support for as long as I have and they have not helped retrieve the money.
Consumer complaint received 2021-04-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc. (NV)

On XX/XX/2021 I processed payroll with what at the time I thought was a reputable company. I am a small business with legal entity as an LLC and wanted to pay my contractors through their service. One amount was for 3000, other for 2800. My contractors never got paid and square took the money out of my account and never sent me an email to confirm anything. 4 months later after too many calls and emails they still have never responded nor returned the money. Even after their 60day hold policy for unsuitable businesses as they say. We are legit company and have everything up to date. We have followed up via phone and email and nothing yet has been resolved. Customer service suggested to file fraud against my bank but they told my bank that I approved this charged so my bank closed the case. Please resolve my case.
Consumer complaint received 2024-08-16
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. (WA)

XXXX XXXX XXXX  XXXX, under the leadership of its CEO, XXXX XXXX, shared a consumers personally identifiable financial information without the consumer 's authorization. This action deprived the consumer of the right to exercise nondisclosure options, constituting a potential case of aggravated identity theft.

1. 15 U.S. Code 6801 ( Protection of nonpublic personal information ) mandates that financial institutions protect the confidentiality of their customers ' nonpublic personal information.

2. 15 U.S. Code 6802 ( Obligations with respect to disclosures of personal information ) requires financial institutions to provide customers with notice and the opportunity to opt out before sharing their personal information with non-affiliated third parties.

3. 18 U.S. Code 1028A ( Aggravated identity theft ) imposes penalties for knowingly transferring, possessing, or using another person 's identification information without lawful authority.

4. 15 U.S. Code 1681a ( 2 ) ( i ) specifies that experiences between the consumer and the person making the report are excluded from the consumer report unless consent has been given.

In this case, XXXX XXXX XXXX XXXX  is sharing the consumers personally identifiable financial information, including full name, Social Security number, account numbers, and transaction history, with non-affiliated parties XXXX XXXX, TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX without obtaining the consumer 's explicit consent. This sharing of information occurred without providing the consumer with the required notice or an opportunity to opt out, as stipulated under 15 U.S. Code 6802.

The absence of an opt-out option and failure to notify the consumer is a breach of the protection rules outlined in 15 U.S. Code 6801 and 6802. Furthermore, the unauthorized dissemination of the consumers personal information may fall under aggravated identity theft, as defined in 18 U.S. Code 1028A, given the potential misuse of the consumer 's identity information without lawful authority.

Additionally, the consumer 's interactions and experiences with XXXX XXXX XXXX XXXX, if shared without consent, contravene the provisions of 15 U.S. Code 1681a ( 2 ) ( i ), which excludes such experiences from consumer reports unless explicitly authorized.
Consumer complaint received 2021-04-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (VA)

I dropped my vehicle off on XX/XX/XXXX for repair. This merchant uses Cash App XXXX 's XXXX is name. 
I paid {$1000.00} in cash on XX/XX/XXXX for repair for the parts.. For the entire repair he stated {$2400.00}. I have the confirmation text and picture of ID. Mechanic was suppose to replace lifters, cam gasket, oil. He ordered the wrong parts, he messed up my timing chain and oil pump. I received my vehicle back XX/XX/XXXX not working. I paid the additional {$1100.00} through Cash App. My vehicle is still not fixed and because of this service the XXXX dealer says I need a new engine. The mechanic replaced the coolant and put in the type. Vehicle is worse than when I took it to him. My husband has called him and texted him with no response. We have text messages of our discussions. I have tried to communicate a partial refund. I have spent close to {$4000.00} and I am only disputing partial of my money. I took my XXXX XXXX XXXX to XXXX after this and they stated since his repairs they recommend a new motor. I have showed that to the mechanic. He stated verbal if it was his fault he would eat the cost. It is not fair to pay for a service and then the services are not provided. This left my family without our family vehicle for months.
Consumer complaint received 2021-04-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc. (NC)

This complaint is against Square , Inc., having its offices at XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX, CA XXXX and its affiliated unit, styled as Cash App. Square has stolen {$3000.00} from me and has never offered a clear explanation Despite my and the payees repeated attempts over the past six months to explain the problem and achieve resolution. Funds in the amount of {$3.00}, 000.00 were transferred from my personal bank account to my Square, Inc. account, but never received into the accounts of the designated payee. Square has ignored us and has stated, through innumerable emails, that they can do nothing. 
The substantial amount of this theft by Cash App is causing extreme financial distress for our family. 
On XX/XX/2020 I used CashApp XXXX XXXX XXXX XXXX to transfer {$3000.00} to XXXX XXXX ( payee ) for expenses he had incurred to repair his mothers dwelling. The funds were removed on XX/XX/2020 from my personal bank checking account, but were never received into the account of the payee [ $ XXXX ]. Payee had, prior to XX/XX/XXXX, closed that account and had subsequently opened a new account [ $ XXXX ]. 
On XX/XX/2020 I requested the funds be returned to me ; Cash App has responded that such would be impossible, stating finally on XX/XX/XXXX : After checking your account, I can see the {$3000.00} paid to $ XXXX on XX/XX/2020 at XXXX XXXX XXXX  has been completed, Cash App is unable to cancel or refund completed payments. If you would like to recover your funds, please have the recipient reach out to us. 
During this ordeal, both I and the payee have tried many times to get this resolved with Cash Apps customer service agents and to either have the {$3000.00} returned to the Payer or sent to the Payee. We have timely submitted every piece of information they have required in order to verify the account.

These are excerpts from emails sent to the Payee ( full email messages attached to this complaint ) showing Cash Apps inability to adequately explain how the {$3000.00} could be recovered : XX/XX/2020 : I know that not being able to access the funds involved is inconvenient and can be a stressful situation. You may be able to contact your local law enforcement., and file a report. Cash App will fully cooperate in the investigation. I do not have any new information to provide regarding this issue. 
XX/XX/2020 : After taking a look into your account, I am able tpo see that your request to access to the account was not approved. For security reasons, we can not reverse this decision ad are unable to provide additional details. 
XX/XX/2020 : Were unable to verify the information youve provided to merge these accounts together. Moving forward, you will not be able to access your previous account. 
XX/XX/2020 : I can see that your {$3000.00} are in $ XXXX but you requested the merge from another account different from this XXXX $ XXXX XXXX.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

The United States Bankruptcy Court does not have authority over credit reporting agencies and does not report to any of them. Bankruptcy petitions and case dockets are considered public records. The Fair Credit Reporting Act, specifically Section 605, governs credit reporting agencies. According to this law, credit reporting agencies are prohibited from reporting bankruptcy cases on an individual 's credit report. - This public record reporting is a complete violation of my rights as a consumer and FCRA laws Your actions are in violation of FCRA Laws and CDIA Standards. I insist that you remove this erroneous information.
Consumer complaint received 2021-03-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc. (SC)

On XX/XX/2021 I was try to connect XXXX XXXX to my new TV. I was prompted to put a code in on my phone which I did and after putting in the code I was prompted to call this number ( XXXX ) which I did. As I'm talking to who I thought was XXXX XXXX customer service they told me to download an app called XXXX and then they started controlling my phone through their phone or computer. I did put in my pin number to my XXXX XXXX  but I thought I was getting XXXX XXXX XXXX. My bank account was connected to my XXXX XXXX account and they started adding money to XXXX XXXX and sending it to themselves. XXXX XXXX saying there was no unusual activity because it was from my phone but as soon as I realized what happened I reported it to XXXX XXXX and sent emails trying to stop payment. I also closed my bank accounts and opened new ones and unlinked my account from cash app which I will never do again. XXXX XXXX should be able to get my money back but they won't. I've never sent money to these people before and I've never purchased an XXXX card through XXXX before. All these are signs of fraud.