davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc. (VA)

On XX/XX/2021, I had a conversation via XXXX with a local tattoo artist who was promoting their work. The tattoo artist messaged me and asked what I was looking to have done, explained the appointment process, we agreed on a date and time and he provided me with the address to the tattoo shop. I plugged the address into XXXX XXXX and confirmed that it was a valid address, 9.6 miles from my residence. He advised that there would be a deposit of {$250.00} to book the appointment, which is very common for tattoo shops to require deposits when booking appointments. I provided images of what kind of tattoo I was looking for and he confirmed price and that he would be able to do the work. He provided me with his CashApp username as XXXX XXXX  and advised me that once I sent the deposit to let him know so that he could begin sketching the tattoo. I sent the money using my CashApp account and advised him that the money had been sent. He continued messaging me asking questions about the tattoo and if I wanted him to come to my house as he does mobile tattoos also or if I wanted to head to the shop. I advised that I would feel more comfortable heading to the shop. I never heard from him again. 

Around XXXX that same evening, I received a direct message from someone on XXXX advising me to not do business with this person because her daughter was just scammed. She advised me that she noticed I had commented on one of the tattoo artists pictures and wanted to reach out to me to warn me that he was a scammer. She mentioned that he provided her daughter with a fictitious address, asked her for a {$100.00} deposit and then never messaged her daughter back once the money was sent. 

I reported his XXXX page as fraud, blocked him and reported his CashApp profile as a scam and reported the fraud. XXXX finally shut his account down but it seems his CashApp profile is still active. On XX/XX/2021, I received an e-mail from CashApp advising that the refund request had been declined because there was nothing they could do. CashApp has the ability to see how many times this person has been reported as a scam or fraud and should have shut this account down. CashApp also can see the routing and account information or debit card information as to where the funds are being deposited or cashed out to for this user, yet CashApp seems to not care and allow this type of fraud to continue to happen.
Consumer complaint received 2021-06-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (TX)

Summary : On multiple occasions, customer ( s ) of Cash App/Square Inc. used electronic funds transfers to receive the proceeds of fraudulent transactions via their Cash App/XXXX XXXX accounts. Upon attempting to reverse the transfers, the reversals were blocked. Cash App has ignored my formal written dispute -- it has been over 10 days with no response or provisional reversal of the transactions, a violation of the Electronic Funds Transfer Act. 

Background Despite a phone call to XXXX XXXX ( the bank whose routing/account numbers were used to receive the EFTs ) on XX/XX/2021 as well as attempting to call Cash App, no action was taken to reverse the fraud, or to stop the pending fraudulent transactions. I am not a customer of Cash App, or Square Inc., or XXXX XXXX. Calling the Cash App support number at XXXX XXXX Time on XX/XX/XXXX resulted in an automated recording that declared that it was after business hours, however, no business hours were provided, nor any alternatives to contact Cash App other than signing into the Cash App account. As I dont have an account, that was a useless suggestion. I also reached out via the official Cash App XXXX account and received no response. 

Under the EFTA, in the event of an unauthorized transfer, provided that notification is provided to the financial institution within 60 days, there is no liability for the consumer. Despite repeated attempts to contact Cash App/Square Inc., the day the unauthorized activity was discovered and ongoing, issue was ignored. I also sent a letter to Cash App/Square Inc. detailing the transactions, including specific amounts, dates, and account numbers. 

Under the EFTA, they are required to complete an investigation into this matter within 10 business days and the error must be corrected within one business day after determining that an error has occurred. Cash App/Square Inc. has not responded at all, nor has any provisional credit been issued as required by the EFTA. 

According to the law, I am not liable for fraud. Also, there has been a significant amount of time and frustration in attempting to resolve this matter, including lost days at work. The lack of a phone number or contact information for the Cash App/Square Inc. fraud team is significantly negligent since there were transactions that happened even after I attempted to contact both Square Inc. and XXXX XXXX. The XXXX XXXX representative literally had no concern that there was active fraud occurring. She informed me to contact Cash App. And contacting Cash App was literally impossible since Im not a cash app customer and your phone number is useless. Obfuscating access to support is a significant issue. 


Attached is a PDF of the relevant transactions.
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2021-06-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (OH)

On XX/XX/XXXX, I initiated a Transfer of Assets from my CasApp account to my XXXX account. The transfer consisted of XXXX shares of XXXX stock. As of XX/XX/XXXX, XXXX had submitted my transfer request to CashApp, and my XXXX account showed a completion date of XX/XX/XXXX. I found this odd as both websites stated that transfers generally take 3-5 business days. I contacted XXXX twice via email chat in the span between XXXX to check on the status. Both times I was assured that everything was fine with my transfer and they were just waiting on CashApp to respond. The shares were not transferred as of XXXX, so I called XXXX to check. Again, I was reassured that everything with my transfer was fine on their end, they were simply waiting on CashApp, who had yet to respond to the request by this time.

I have attempted to contact CashApp several times during this time span as well. I sent emails on XX/XX/XXXX, XXXX, XXXX and XXXX. To date, I have received one response on XXXX, and it was a generic copy/paste email that did not address my concerns directly. I contacted chat support through the app on XXXX, but was told that my question would have to be answered via email. I also received a generic email as a response, stating they'd be in touch with me in the future. I have tried calling their customer service phone number numerous times, but it rings once and then goes to dead air. 

My shares/money have been tied up for a month now. I'm unable to buy/sell/trade with my CashApp as it could cause the transfer to fail, and possibly create additional problems. This is now causing me financial hardship as I can not touch my own money and would like to sell off some of my shares to take a profit.
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. (FL)

I am writing to remove the following information from my file. The items I deleted are listed in the report. I did not do the authorization. I reported the lack of authorization of my identity to the Federal Trade Commission and I also have attached copies of the federal tray, the identity of the commission, the theft, the affidavit. Please remove these items as soon as possible.
Consumer complaint received 2024-10-06
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: EQUIFAX, INC. (NY)

Despite my repeated attempts to resolve the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The continued inclusion of these items has severely impacted my life, causing significant stress and XX/XX/XXXX. It is important to emphasize that I did not authorize or consent to the association of this information with my name, as I am a victim of identity theft.
Consumer complaint received 2021-06-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (WV)

Mu neighbor stole my phone ftom my apartment withou3me knowing he had done so. I had fallen asleep talking to him and once i fell asleep he took advantage of the situation. I woke up anout 45 minutes to an hour later and my phone was gone. He wax the only person there when i fell asleep. I went tl his mom 's apartment and she told me he wasn't home. Believing her i went back to my apartment. About 6 hours later i saw that he was online chatting..so i went back to hod moms apartment and he was there ... there was a slight strughle but i was able to get my phone back but hy then he had already apklied for a cash app card in my name. I caceled my credit cars and febit card. But i didn't know abour the cash app that he had opened in my name and started a scam on people. I sent cash app this infornstion and thats all i know. I have no idea what cash app plans to do ... his name is XXXX XXXX he also goes by XXXX XXXX XXXX who is XXXX West Virginia at XXXX XXXX XXXX is the building number and the apartment I do believe is XXXX or XXXX ... i also went to the XXXX police department and was told thaf since i recovered my phone thst i couldnt press charges gor him stealing it ... and that i needed proof..that cash app had to send them something ... i wany this punck behind bars.. he has cashed several dead people 's checks stimulus checks ... this perdin is known to have done all this stuff. From what i have been told he is receiving a dead mans social security money.
Consumer complaint received 2024-10-06
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: EQUIFAX, INC. (NY)

Despite my repeated attempts to resolve the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The continued inclusion of these items has severely impacted my life, causing significant stress and XXXX. It is important to emphasize that I did not authorize or consent to the association of this information with my name, as I am a victim of identity theft.
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. (GA)

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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : 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 2021-06-03
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Block, Inc. (FL)

In 2021 I opened a Square account for my business to process credit card payments. On XX/XX/2021 I received an email from Square Inc. notifying me about account deactivation. I was not given any details, or a contact method to reach someone at Square. All my attempts to email or call failed. Not only this impacted my business tremendously, especially that we were at the beginning, and needed at least some notice in advance, but also Square placed a hold on our funds - {$2000.00} that we processed earlier in sales. The hold was for 90 days- which is above any normal term of transaction hold- until XX/XX/XXXX, XXXX. Additionally, on XX/XX/XXXX, XXXX sent another email saying that there will be an additional hold of 30 more days. The way Square communicates with their customer is unacceptable. It is a one way communication, without giving an option for questions or dispute. Also, the hold times is ridiculous and reasonless.
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. (NC)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In XX/XX/XXXX, I discovered inaccuracies in the reporting of a XXXXXXXX XXXX XXXX XXXXXXXX account across my credit reports. TransUnion shows this account with a history of 30- and 60-day delinquencies from XXXX, while XXXX has no detailed reporting for the same account. XXXX does not report this account at all. Despite requesting verification and clarification from the bureaus, I have not received an adequate response. 

This inconsistency violates the Fair Credit Reporting Act ( FCRA ), which mandates that credit reports must be accurate and complete. I request that the CFPB intervene to ensure the accurate and uniform reporting of this account across all credit bureaus. 

Additionally, I believe that this account is inaccurately reflecting delinquencies, and I request a thorough reinvestigation to ensure compliance with Metro 2 reporting standards. The inconsistent information is negatively affecting my credit score, and I have attempted to resolve this issue directly with the credit bureaus to no avail.
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This account shows conflicting dates of last activity across the credit bureaus. XXXX reports the last active date was XXXX, while TransUnion reports that nearly one month later. This inconsistency is a violation of the Fair Credit Reporting Act, as it inaccurately extends the reporting period and harms my credit score.

This is an inaccurate payment history reporting. If the information is coming from the original creditor, the dates should be the same. We can not say this account is 100 % accurate so it is deemed INACCURATE. Please delete from my credit report. 

This inaccurate information falsely manipulates my credit worthiness and its hurting my ability to obtain credit. XXXX looks to have found several inconsistencies and deleted this erroneous information. XXXX and TransUnion failed to investigate the account properly after I repeatedly asked to have the account updated. Your neglect has once again violated my consumer rights. I am demanding a deletion of the following account : XXXX XXXX XXXXXXXX
Consumer complaint received 2021-07-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (CA)

My Issue is with Cash App. I have tried to resolve an issue by providing them with everything they requested of me only to get additional request each time I comply with a previous one. I have a {$150.00} balance on my account that I can not access nor will they give it to me. I had ( 2 ) accounts with them not realizing that one of them was still opened and should have been closed a couple of years ago for a similar reason. I took my chance and opened a new account and now I am in a situation once again. The company do not offer person to person contact and everything must be done via email. As I mentioned, I have provided them with everything they ask for until they started requesting documents that made me uncomfortable and at risk of Identity Theft. In an email, I explained to them I was not aware/familiar with the requested items and therefore did not feel comfortable with the request, They have made no effort to release my funds, froze my account and ceased from communication. Because I did provide them with I California Drivers License 9against my better judgement ), I immediately contacted Life Lock and advised them of the dilemma to assist with visibility in case of an identity threat. I just want my funds return/released and I will NEVER deal with Cash App again.
Consumer complaint received 2024-08-18
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)

XXXX. Subject : Request for Reinvestigation and Detailed Description of Verification Methods Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the handling of my credit report dispute by credit agency. Despite my efforts to resolve inaccuracies on my credit report, I have encountered several issues that I believe warrant further investigation by the CFPB. 
Background : On [ XX/XX/2024 ], I submitted a dispute to regarding inaccurate information on my credit report. The items in question were not properly verified, yet the agency concluded that the information was accurate. I am concerned about the thoroughness and accuracy of their reinvestigation process.

Details of the Complaint : 1. Inadequate Verification Process : Despite my detailed dispute, the credit reporting agency failed to verify the accuracy of the disputed information adequately. The verification process seems to lack transparency and thoroughness, which raises concerns about its compliance with the Fair Credit Reporting Act ( FCRA ).

2. Lack of Detailed Verification Methods : I requested a detailed description of the verification methods used by the credit reporting agency, including the specific procedures, sources consulted, documentation reviewed, and criteria for validation. However, this information has not been provided, despite multiple requests.

3. Timeline of Investigation : There is a lack of clarity on the timeline of the investigation, including key dates and actions taken during the process. This lack of transparency hinders my ability to understand how the investigation was conducted and whether it adhered to FCRA requirements.
Consumer complaint received 2024-08-16
Product: Credit reporting 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: Experian Information Solutions Inc. (FL)

My Social Security number was compromised in a data breach. I attempted to freeze my credit on the Experian website using account number XXXX. During the process, I was required to sign up for a free account, which included providing a credit card number. Although there was no initial charge, I noticed in the fine print that after a seven-day trial, my card would be charged {$24.00} per month. Following this, I received a " Welcome to XXXX '' email, which I did not want. 

I was unable to find a way to cancel the service, and when I called customer support, I was placed on hold indefinitely without speaking to anyone. I do not wish to pay for this service, and Experian should stop obscuring the credit freeze option behind paid services.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXXXXXX # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX