davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (FL)

FIRST ISSUE : I transferred {$37.00} to my cashapp on XX/XX/XXXX. My bank, XXXX, sent me a statement reflecting CashApp receiving the transfer of {$37.00}. Cashapp sent me a form letter over and over again each time I contact them. 
SECOND ISSUE : I am exhausted with XXXX XXXX since XXXXan Hurricane. I am disturb with your service. My latest issue with XXXX is expired XXXX transfer to another XXXX Account. So, I transferred of {$45.00} to XXXX XXXX XXXX account ( XX/XX/XXXX ). It was my mistake that I transferred funds to an expired XXXX XXXX, should have known. I am puzzle why the transfer complete thru an expired card?? It should have decline the transfer!! XXXX XXXX ( my daughter ) have not using her XXXX card for years. During to request replacement card, XXXX and I spoke to several representative ( s ) decline the replacement card due a damage ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX ), can not see it, rubbed off numbers. Plus, we dont remember were we were living when XXXX XXXX using her XXXX. Now, we are attaching documents the representative ( s ) to confirm our identity! I questioned the information they requested : driver license, lease, utilities bill to get a REPLACEMENT CARD to receive my {$45.00} dollars back. 

SECOND ISSUE We lived in XXXX XXXX, FL at time when Dorian Hurricane hit the XXXX  Coast. XXXX and I was in the living an hotel to shelter from the hurricane, State Emergency. The whole episode was and is deplorable! First, XXXX XXXX debit my card several times during our visit. I contacted XXXX regarding XXXX XXXX on my account when we check-in XX/XX/XXXX, they submitted late which default my account. You denied me and XXXX XXXX did again. The reservation clerk run my card for {$79.00} and some change, well, she failed to type in the right amount. So, my daughter, XXXX XXXX, paid the {$79.00} same day, hours, seconds. XXXX XXXX failed to credit my funds {$69.00} and change due her ( reservation agent ) error. I contacted XXXX investionate my dispute. I have evidence reflecting her error, XXXX denied my dispute claiming that XXXX XXXX will not give XXXX the information of the transaction. And you know what happens when all those errors do to my account?? It negative all over the place!!!!!!! My work check was debit due XXXX XXXX inept reservation agent, and you allowed all of it. Money was limited due the State Emergency yet, XXXX let them get away with it. I want to get my money back, you dropped the ball. I attaching everything I think you need. Any questions or concerns reply this email or calll me at ( XXXX ) XXXX. Thank you.
Consumer complaint received 2024-10-10
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)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have 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
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

In accordance with the Fair Credit Reporting act convergent Account name XXXX, account # XXXX, 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.
Consumer complaint received 2023-08-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-02
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIBANK, N.A. (AZ)

After rereading the Citi response of XX/XX/23, XXXX points require more explanation. Paragraph # XXXX : How and when did Citi come to understand that I had agreed to have my account information stored with said merchants? Does Citi read and maintain every set of terms and conditions for every merchant for every Citi customer? You must, for how else could they assert otherwise? In that case, please provide me with a copy of every set of terms and conditions you have on file for the merchants listed on my account. Paragraph # XXXX : regarding your ABU, it is for merchants or vendors who have an established recurring payment on your account Please define recurring payments.
Consumer complaint received 2021-09-16
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc. (IL)

I opened a Cash App account and used it to buy stock in last year. However, my Cash App account balance changed to Negative on XX/XX/2020 without any reason suddenly. Then, I could not sell my stock, and could not withdraw my money anymore. I tried to contact Cash App support to sell my stock and withdraw my balance, but they told me Your account has been found to be in violation of our [ Terms of Service ( XXXX XXXX XXXX ) ] and has been closed. And they did not explain more details about it, and they never help me to solve my problem.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX  - {$0.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I did not make or give authorization to consult my credit or make a hard inquiry and said inquiries affect my credit. I request that the following hard credit inquiries be removed from my credit report : XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX 2024
Consumer complaint received 2016-04-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Stellar Recovery, Inc. (MN)

I cancelled my service with XXXX and paid by bill in full. They then switched names to XXXX, with whom I currently have service and have an impeccable payment record with. This bill continues to be sent to numerous collection agencies after I have already verified with XXXX that I do not owe them money and they have no record of the account number the collection agencies are giving me. The collection agency can not and will not verify the debt or provide any documentation that I owe this debt even after I told them that I verified it is not a valid debt and not mine.
Consumer complaint received 2021-09-01
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to send money to another person
Company: Block, Inc. (AR)

DEAR CONSUMER FINANCIAL PROTECTION BUREAU SO IM SUBMITTED WRITTEN ONLINE COMPLAINT I HAVE AGANIST BANK FINANCIAL COMPANY THAT ISSUES PREPAID VISA CARD TO CONSUMER SO NAME OF BANK ISSUES MY VISA CARD ISSUES XXXX XXXX  DEBIT VISA CARD ACCOUNT CASH APP VISA CARD CUSTOMER SERVICES DEPARTMENT TELEPHONE NUMBER XXXX SO THE MAIN PROBLEM ISSUES IM HAVING WITH MY VISA CARD ACCOUNT THE BANK CLOSE MY VISA CARD ACCOUNT WITH OUT MY CONSENT OF KNOWLEDGE SO I HAVE SENT BUSINESS EMAIL ADDRESS BUSINESS RESPONSE THEY COULD NOT HELP ME BUSINESS REFUSE TO REOPEN MY VISA CARD ACCOUNT AGREEMENT I HAVE ON FILED WITH BANK CARD ISSUES BUSINESS EMAIL ADDRESS XXXX XXXX
Consumer complaint received 2021-08-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (TX)

On or around XX/XX/XXXX I received an envelope from Cash App with a debit card in it. It was addressed to me at my home. I do not have a Cash App account so I believe someone opened an account in my name for fraudulent purposes. Over the next couple days I attempted to contact them via phone, only to find that it is literally impossible to reach anyone this way. 

Their website says to use their app to reach support, but I can not use their app without creating a Cash App profile. I am not creating a profile just to report that my identity has been stolen. 

The following weekend we received another Cash App debit card at our address ( this time without a real name ), which means at least two fraudulent accounts are linked to us. 

On or around XX/XX/XXXX I used the Square " contact us '' form to ask for help since Square is the parent company of Cash App. Square simply told me to use the Cash App phone app for support, even after I explained why I can't. Then they stopped responding to me. 

I saw that on their app review page, Cash App steers people to XXXX or XXXX for support. On XX/XX/XXXX I sent a XXXX DM to @ CashSupport asking for their help. I sent another later that morning, and another on the XXXX, XXXX and XXXX ( today ). They have not responded. 

It is EXTREMELY frustrating and stressful that I can not reach anyone there to report fraud. Whatever illicit activities these accounts are used for, Cash App has been willing to let that continue unabated. Meanwhile I am the one who will get blamed in the end, since the fraudsters used my identity.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

My XXXX XXXX Credit card is not reporting to XXXX or TransUnion. The credit card number ends in XXXX. Ive contacted both credit bureaus as well as XXXX XXXX. The account is in good standing. The credit bureaus say that in XXXX XXXXXXXX XXXX contacted them and told them to delete the account. At the time, I was disputing a late payment with XXXX XXXX. Instead of correcting the late payment info, the direction from XXXX XXXX was to delete the account, which XXXX and TransUnion did. Now, the only way the account can be re-inserted is if XXXX XXXX contacts them and have them re-insert it. I have asked them to do so but they said that they are reporting it to the bureaus, which is all they are responsible to do. 

I have been on over a dozen calls with XXXX XXXX, XXXX, and Transunion regarding this issue. I hope that you all can help me resolve this. 



Sincerely.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-14
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Block, Inc. (MA)

Hello, My name is XXXX. I recently moved to the XXXX to live with my parents in XXXX XXXX. I quit my job in XXXX, Ma so that I could come down. I lost my phone a few weeks ago and in doing so, lost the ability to connect with my Cash App. as it sends a code to my phone to be able to sign in. I did not have the money to go out and buy another phone. I called the company and also emailed Cash App support and was presently surprised they were willing to help me. I emailed them back and forth for about a week, they ended up telling me that they are unable to transfer my money to the new account that I created. here is the Email I received. Please let me know if you can help me. This my last paycheck and I really need the money. Thank you, Hi XXXX, This is XXXX from Cash Support. Thanks for reaching out. I understand how concerning it is to have lost access to your previous account. I'm here to give you some context about what's happening. 

After taking a look at your account, I can see that we're unable to grant access to these funds for security reasons. To protect your current account, we can not override this decision. 

You may continue using your current Cash App account to send and receive payments. 

Please feel free to let us know if you have any more questions. We're here to help! 

Kind Regards, XXXX XXXX. 
Cash App Support
Consumer complaint received 2021-08-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (AZ)

I sent a friend {$500.00} through the Square cash app. It was never accepted and canceled out automatically. I resent the payment, then reached out to him. He never received it. 

We realized that the money had been sent to an account set up with his old work email. I sent the money again to his new account, expecting the other one to be canceled out automatically. Somehow the old account is linked to his new one though, because when he accepted one, the other one was accepted as well. 

Unfortunately my friend no longer has access to that original account. We have bother reached out to Square multiple times about this, but they will not refund the money nor help him access that account. The money is now permanently in an account that no one has access to besides Square. They have essentially stolen this money and are refusing to work to resolve it. 

The only replies I have received from them are standard form responses saying that payments can not be refunded.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

You are in violation of 15 USC 1681s- ( 2 ) ( B ) and 15 USC 1681s- ( 2 ) ( E ) Responsibilities of furnishers of information to consumer reporting agencies. A furnisher has a " ( 2 ) Duty to correct and update information '' " A person who ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate '' You have failed to conduct a reasonable investigation within a timely matter and notify me of the results according to 15 USC 1681s ( 2 ) ( E ) Duty of person after receiving notice of dispute. " After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate.

Please see the attached disputes sent over the last few months.
Consumer complaint received 2021-08-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (TX)

Fake cash app number at the top of XXXX tricked m3 into clicking a link that he used to take all my money. XXXX on one account XXXX on another account these are close estimates of total amounts the real numbers are in the attachments He linked and disabled my notifications to my emails and my phone he removed and put his. 
Every deposit I made he used to purchase bitcoin. He spent my kids XXXX money my rent my car payment my wife 's car payment. He devastated my family. I contacted xash app when I noticed an issue on XX/XX/2020 he had been linked and stealing my money since XX/XX/2020. I contacted casb app. They proceeded to give me the runaround for months until XXXX they said to me if i would have told them within 90 days I would have gotten my money back I did message them within 90 days as u will see in my evidence. I contacted XXXX XXXX XXXX and cash app emailed me and said they would not talk to me only law enforcement so here I am
Consumer complaint received 2021-08-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (PA)

My cashapp name was somehow changed. I would like to access my original account as I believe I have money in it, and want to see my transaction history. I contacted Cash app repeatedly and this is the response I received. 

On Wed, XX/XX/2021 at XXXX XXXX Cash Support XXXX wrote XXXX Hi XXXX, My name is XXXX and I am the manager at Cash App Support. I understand that you are having issues with Accessing an Account. 

After reviewing your case, I can confirm that your request to access this account was not approved. For security reasons, we can not reverse this decision and are unable to provide additional details. 
-- -- - So Cashapp is denying and blocking my access to my own account! And taking my money! Please help.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

RE : XXXXXXXX Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX XXXX XXXX XXXXXX/XX/year> - {$00.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-10-10
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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  and list of Inquiries 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2021-08-09
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (KY)

Yesterday night at XXXX ; XXXX a visitor accessed my phone when I was showering. She opened my phone and made a cashapp transaction to herself of XXXX XXXX she became uncooperative saying she doesnt have access to her account.
Consumer complaint received 2021-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Block, Inc. (ND)

Ive been scammed through this thing called covid health care program. I was XXXX and gave them my bank information and sent money through cash app. I also gave my social security number. I want my money back and I dont know if Ill get back.