davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (NY)

Cash app is forcing its users to pay with digital wallet by not sending debit cards as they said they would. Even goes to extremes to display a card has been delivered as per its status. After user grants permission to use XXXX XXXX, cash app will then commence a duplicate transaction using an icon similar or exact to the original merchants. When you choose to dispute they will then tell users to take it up with the merchant, or email them, never insisting or suggestion to open a claim as the real appropriate method in these situations. After reminding them the balance on cash app can never be negative and threatening to defund the account, they reversed the transactions and returned the funds. They did this subsequently for two charges and reversed each one within 5 minutes of each other after saying the exact same thing. This calls for a class action lawsuit for many people this has happened to and left much confusion dating back to cases over a year ago suggesting this scam is STILL ONGOING. This is obscure and must be stopped! Cash app must be put out of business, and publicly revealed, as the government bankrupts these scammers out of commission! 




The two transactions I will reference are from XX/XX/2021, XX/XX/2021, XX/XX/2021 The name of the correct merchant would be XXXX not XXXX - cash app has used a disguised name to avoid infringement. Meanwhile neither XXXX or XXXX had any record of the repeated charged transaction because Ive never had a subscription. 


The relation between the two are that they are both being done via digital wallet, XXXX XXXX, not using the card directly. I have zero access to my card because cash app hasnt sent me one for over a month. That makes room for them to forge transactions and app icons. I have support and references from external websites complaining about the same thing.
Consumer complaint received 2021-05-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (FL)

Square card on XX/XX/21 let someone charge a Total of {$5000.00} as if it were me charging on the app.They then virtually let the person order a Square card and transfer funds to it. They attached it to XXXX XXXX  on their phone and went on a shopping spree. When I saw this I alerted Square and was explained that I would not be responsible for any of the charges. On XX/XX/21 I was helping a friend out with an estate sale and rang in {$1800.00} in sales. When it went to my account for deposit only {$1100.00} went over. I looked at the account and it showed four of the fraudulent transactions were disputed and subtracted from my balance. The amounts in question are {$180.00}, XXXX, XXXX and XXXX totaling {$770.00}. I have spent hours on the phone with dozens of reps and no one seems to be able to resolve the situation. They have told me everything from we owe you nothing, get a lawyer and even told me I credited the accounts back. Please help me resolve this situation.
Consumer complaint received 2020-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MD)

I contacted Experian by phone in attempt to request a freeze on my father 's credit file due to his recent death. I was unable to connect to a representative through the automated phone system, but rather advised that they would only accept a request for a freeze via mail. I attempted to submit a freeze request online via Experian 's online portal at https : //www.experian.com/consumer/upload/ but their system would not allow my files to upload a PDF file from my XXXX. I found the corporate HQ number and was only able to connect to a live representative via their business/client service line. Their line for consumers goes directly back to the automated system which would not allow me to connect to a live representative for my issue. Corporate was able to ultimately connect me to an agent who explained that their policy does not allow for a temporary freeze or even remarks to be added to the account indicating they had been notified of the consumer 's death. I requested to speak with a supervisor to discuss my concerns about the nature of this policy and the potential vulnerability it exposes their customers to. I was advised I would get a call back but had not received one within 24 hours. I am providing written documentation by mail to Experian but feel their policy and tools limit the ability of consumers to quickly advise and secure their information against potential fraudulent actors and exposes their clients and financial institutions to unecessary risk by not allowing for a mechanism to flag an account for further investigation should someone attempt to obtain credit under a deceased individual 's name or victim of identity theft. In my contacts with the other two major credit bureaus, I did not experience the same issues or was able to connect to a representative who could handle my request with more expediency than Experian.
Consumer complaint received 2021-03-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (TX)

I was sent some money on 2 different occasions abd was told in order to receive the money i have to send {$200.00} XXXX for security verification then send another {$200.00} XXXX for another kind of fee. And then another {$200.00} and I'll vet my money which i never did receive and then yesterday i was supposed to be receiving another transaction and i sent some more money only to hear i need to send another {$50.00} for bank fee What is up with that and i also was told that i will get all that money reimbursed back to me XXXX haven't received any of the money that was promised to me
Consumer complaint received 2021-03-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (GA)

On XX/XX/XXXX I injured XXXX in XXXX Georgia store number XXXX to purchase some car paint which came up to {$76.00} I paid {$71.00} on my card I was going to pay the rest in cash after I swipe my card and the money was deducted from account their system froze and was unable to complete the transaction they said the money will go back to my card within three days it is now XX/XX/XXXX and I still have not received no money from this company cash app says that they have not received no payment but XXXX says that the money had cleared and was posted to my account through a pin debit net workI spoke with both companies regional offices and managers about the situation they both keep directing me to the other company for a resolution at this point theyre both saying they dont know whats going on or where the money is so I just point theyre saying that Im out of {$71.00}
Consumer complaint received 2020-06-23
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: EQUIFAX, INC. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXX {$690.00}
Consumer complaint received 2021-03-05
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (TX)

This is a copy of an email I received. I do not have a SQUARE Account! 
XXXX {$640.00} withdrawal from your bank account XXXX - XXXX  XXXX XXXX XXXX  XXXX  / XXXX Square. com/Support XXXX Thu, XX/XX/XXXX XXXX XXXX XXXX For your security we disabled links in this email. If you believe it is safe to use, mark this message as not spam. 
{$XXXX} withdrawal from your bank account Hello, Were reaching out to let you know that your bank account will be debited the amount of {$XXXX}. However, the customer has disputed this charge. Kindly cancel the transaction if you are not aware of this deduction, View Dashboard for more Information VIEW DASHBOARD The funds will be withdrawn within one to two business days.

SUPPORT CENTER Visit the Support Center for more information on Squares deposit schedule.

Thanks, The Square Team Receiving too many emails?

You can view all of your day 's activity on your Daily Summary Email.

Turn off Per Transaction emails now.

2021 SQUARE, INC. ALL RIGHTS RESERVED. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX UNSUBSCRIBE FROM THESE EMAILS Reply, Reply All or Forward
Consumer complaint received 2021-03-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc. (FL)

Old roommate stole all my personal documents and has been attempting to open accounts in in my name, file tax return in my name then changed all my information w irs, Im going thru identity theft now. She has gain access to cash app and got ahold of my bank accounts. She has a history of counterfeiting and fraud. No one is taking me seriously it seems Ive gotten no results at all thus far
Consumer complaint received 2020-06-24
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: EQUIFAX, INC. (AR)

My mom informed me that I received a letter in the mail from where I use to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report.
Consumer complaint received 2020-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XX/XX/2020 - I noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to XXXX, TransUnion, XXXX. 

I didn't hear back so I sent a Demand to comply with investigation on XX/XX/2020. 

Today is XX/XX/2020 and I still haven't even heard yet back from these Companies yet ; this has been over 42 days ago.!!
Consumer complaint received 2021-03-02
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. (VA)

I have a XXXX XXXX XXXX credit card and have no issues with it. My problem is with Square, the payment processor. Square has an automatic process that links an email to a credit card and then automatically sends out receipts to that email. The consumer 1 ) can not change the email - only the person at the email address can do that and if the receipt is being emailed to the wrong person then that is a problem and 2 ) Square has absolutely zero customer support for anyone other than a merchant. You can not call them or email them without a merchant account. 

When a charge is made using my XXXX card at a Square merchant POS terminal, the incorrect email shows at the bottom of the receipt, but the customer can not change it. This is a breach of privacy as well as extremely frustrating. I literally have nowhere else to turn.
Consumer complaint received 2021-03-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc. (FL)

I currently use cash App. I have my monthly XXXX benefits direct deposited. For months Cash App has been releasing my benefits at the end of the month, when it's deposited on the XXXX of each month. I never received my direct deposit for the month of XXXX I should have recived {$790.00}. Ive spoken with the department of social security and XXXX they informed me they issued my benefits on the XXXX of XXXX and Cash App has received it, but it was never deposited to my account. The department of SS and XXXX also reached out to them to send the payment back but there was no response. I emailed 2 representatives from cash app, They both were giving me the run around saying they never received it when I know for a fact that they have.
Consumer complaint received 2021-03-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (GA)

Someone sold me a product and a service. After they received the money, they told me I was not going to get the product and blocked me on Cash app and from their phone. The merchant stole {$1000.00} and additional {$300.00} from me. I have reported it to the police on what has happened. The police have all the merchant information and well knowledge that it was a scam. The transaction deleted from my balance but it stated pending. I tried canceling the transaction.
Consumer complaint received 2020-06-25
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: BMW Financial Services NA, LLC (CA)

I have had to file multiple complaints with this unethical organization. 
The last complaint XXXX was closed from communicatio on XX/XX/XXXX which stated they would respond to arbitration such as is my right in the contract ( similar to my right to being informed of lease end charges and having the chance to rectify before they are charged ). They did not honor that part of the contract, nor to respond to Arbitration. Attached is the notice from the Arbitrator stating BMW financial did NOT respond. 

XX/XX/XXXX I received A COLLECTION notice from XXXX from First Source Advantage - using unethical tactics stating that I owed the money and they will chase me it didnt matter that the matter was pending arbitration. 

I have included a copy from the arbitrator proving BMW did not respond similar to my multiple requests to get this resolved.
Consumer complaint received 2020-06-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cedars Business Services, LLC (NY)

I am reporting the company Cedars Business Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX. 

They keep contacting me for the last two years, trying to collect a parking ticket that occurred in XXXX on XX/XX/2015. I paid the ticket on XX/XX/2015, using a wire transfer. The ticket was for XXXX euros. I sent the documentation that the debt has been paid. 

They engage in deceptive practices, adding " late payment fees '', inflating the debt from XXXX euros to {$150.00}, and then with their fees to a total of {$300.00} dollars. Of course, given that the ticket was paid within 4 days, there were no late fees. 

They ignore the documentation that the debt was paid, and try to collect, threatening to report the debt to credit bureaus, hoping that the customer would be willing to pay a ransom to these scammers, to avoid any issues with the credit bureaus.
Consumer complaint received 2021-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Block, Inc. (CA)

Ok I try using my cash app card kept saying exceeded my limit I never got cash this particular day XX/XX/2021 so I tried to contact support services got someone supposed to reset my limit so I can use card but soon as I try using card all my money XXXX was zapped
Consumer complaint received 2021-03-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (NC)

On XX/XX/XXXX my bank account was hacked for {$350.00} through cashapp at XXXX.I contacted my bank card services immediately and was asked to sign a notice of fraudulent form and to go to my bank and receive a new debit card. My bank then informed me it could take ten business before I could get the money back. XX/XX/XXXX my bank refunded me the money. 

During this waiting period I am conversing with cashapp trying to get any answers concerning the hack and now Im getting the run around. Finally on XX/XX/XXXX I get an email from the cashapp team telling me they are going to give me a provisional refund. In order for that to happen, I would need to log back into the cashapp, put my information in and they would transfer it from my old account to my new one. I asked them to put the money on a cash card and mail it to me because I no longer feel comfortable putting my new information in the app. My next email from them was letting me know for security reasons they could not refund my money. 

I just received an email from my bank saying on XX/XX/XXXX they are taking back the refunded money because cashapp told them I authorized those transactions. That is NOT true! I do not know those people. I am still trying to figure out how they were able to take that money from me and my account was set up to use a PIN number to send money. I truly believe this is an inside job. Cashapp is scam and I want everybody to know it! 


XXXX
Consumer complaint received 2020-06-26
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: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$25000.00}, {$9500.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$32000.00}, {$20000.00}, {$400.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$25000.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9500.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

6. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

7. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$32000.00} -This is not my account. 

8. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$20000.00} -This is not my account. 

9. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$400.00} -This is not my account. 

10. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-06-24
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

On XX/XX/2020 hard inquiries were reported on my credit report. They were not given permission by me. I contacted both XXXX and XXXX multiple times to have this resolved and removed from my report. This company has either pulled via XXXX and/or XXXX. 

I did not authorize these hard pulls on my credit report. And they have not sent me any signature from me allowing this.
Consumer complaint received 2020-06-23
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: Experian Information Solutions Inc. (AR)

I have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. XXXX XXXX {$6000.00} DEPTOFEDXXXX  XXXX {$3500.00} DEPTOFED XXXX XXXX {$3500.00}
Consumer complaint received 2020-06-25
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NC)

On XX/XX/2020, XX/XX/2020, and XX/XX/2020 I submitted letters to Experian and XXXX XXXX requesting to verify the auto debt that is falsely reporting on my credit report. I also demand proof that the repossession of the subject vehicle was legal in accordance with the following UCC : 9-506. EFFECT OF ERRORS OR OMISSIONS. 
9-611. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF  COLLATERAL. 
9-613. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL They are required to provide me with copies of the legal notices and proof of the commercially reasonable manner of the notification and resale of the subject vehicle. In which none of this has been received and they have failed to comply after multiple attempts.