davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (FL)

Offending company : CashApp, Subsidiary of Square , Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Website : cash.app Transaction Date : XX/XX/2020 Amount Paid : XXXX Payment Method : Personal Check or Bank Debit Subject : Bad/ potentially illegal business practices I transferred money into my CashApp account so that I could then transfer it into another one of my accounts that for some reason can't link to the originating account no matter how many times I tried, and CashApp had no problem taking my money and then decided it was suspicious activity after taking my money and is now withholding it. There is no phone number that I can call, and they are not responding to emails even though their website says they respond within 24 hours. Their website even explicitly states that there is no phone number that can be used to speak with support. The only email 's that I have gotten from them thus far ( I've sent around 10 e-mails ) as a response indicates that they might hold my money for up to 45 days, which they said after already holding my money for 10 days. There is nothing suspicious about the transaction. Both accounts are in my name, and they have no reason to be doing this. I simply don't understand how this is legal. It is royally XXXX me over. I'm going to have to pay late fees and interest because I can't pay my bills because of this. This is apparently a fairly common occurrence with cash app according to other complaints I've read, which is why I'm reaching out and I've also brought this to the Florida Attorney General 's office attention because this is not okay for regular business practice. They are holding my money, and I guarantee making interest on it while I have to pay fees because I can't access my money. It's nothing short of criminal. They are ruining my credit. I desperately need MY MONEY.
Consumer complaint received 2020-02-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (FL)

My account has been locked for almost a month now for false claim of suspicious activity XX/XX/2020 I was transferring {$230.00} to my childs daycare teacher and the transaction failed I attempted the transaction once again before I received an email and text stating my account has been lock I contacted cash app on several occasions to find a way to have my account unlocked I have been ignored for several weeks I seeking legal action for the false accusations of suspicious activity my child has been kicked from the daycare program because of cash apps negligence!
Consumer complaint received 2021-08-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Southwest Business Corporation (VA)

I have two mortgages with SWBC, both adjoining properties. In XX/XX/2021 I noticed that my escrow payment per month has doubled. My property taxes did not double. Indeed, working with SWBC I was told in XXXX that both my property tax bills were assigned to both properties, thus each property is receiving two tax bills when they should only be receiving 1. Thus I am overpaying escrow by double each month, since XXXX. I have been in contact with SWBC in trying to resolve the matter, but each month they say they have fixed it and each month it is not fixed. I recently received a sizeable escrow overpayment for my first half property tax bill from my city.
Consumer complaint received 2021-02-19
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: EQUIFAX, INC. (TX)

I disputed on XX/XX/XXXX with the bureaus regarding a late payment that is COMPLETELY inaccurate as well as a collection that no one has yet to verify or validate for me as being accurate, therefore I do not feel I am responsible for it! Since the bureaus didn't correspond with me about anything, I disputed again on XX/XX/XXXX and yet again, the bureaus have ignored my request, this is very negligent and not fair to me as a consumer!
Consumer complaint received 2024-09-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




DEPT OF EDUCATIONXXXX # XXXX DEPT OF EDUCATIONXXXX XXXX XXXXXXXX DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATION/NELN # XXXX DEPT OF EDUCATION/XXXX XXXX XXXXXXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-02-15
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Block, Inc. (MI)

On XXXX my XXXX Prepaid Debit card ending in XXXX was used without my authorization or knowledge to make 3 transactions. The transactions occured on CashApp and a Square Payment Processor. Here are the transaction descriptions : 1.SQ*XXXX : {$500.00} 2.CashApp*XXXX : {$500.00} 3.SQ*XXXX : {$500.00} I immediately notified XXXX of my card being used without my permission and was told they couldn't do anything until the transactions posted. It is now 8 days later and the transactions are still pending. I again contacted XXXX, Square and CashApp with all of them essentially blaming the other ones and saying their is nothing they can do. I have been out over {$1500.00} for a WEEK! And I'm being told it will be ANOTHER WEEK before anything can be done. This is absolutely unacceptable.
Consumer complaint received 2020-02-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (NV)

I've had it with square! They literally go out of their way to provide no service of any kind. There's no immediate or live super by phone. It's almost impossible to navigate help on the app and what's finally possible to, they come up with excuses as to why they don't want to help. They used an excuse of a time lapse as to why they'd not help, sighting a 60 day rule which was embedded into their impossibly lengthy read terms and conditions, knowing that 99.99 % neither have the time nor energy or legal knowledge to decipher their abandonment of responsibility masquerading as items of use. I informed of a merchant dispute I have with XXXX in which my items were never delivered, and they refused to help. I want my money now! Shame on you for being yet another thieving corporations stealing from the very people you're supposed to serve.
Consumer complaint received 2020-02-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc. (CA)

Ordered a dining table XX/XX/XXXX and provided pictures of what we wanted it to look like. Top measurements were provided by merchant, not bottom. The company was supposed to provide pictures of base but did not. XXXX was supposed to be received on XX/XX/XXXX and delayed delivery multiple times. During this time the original company who was supposed to make it did not and it was given to a different company ( owner XXXX informed me of this ) We received the table on XXXX and had to send it back. The base was much larger than discussed and did not fit properly in our space. The table also had a large defect on the top and had places where it wasn't stained properly. We contacted the merchant who said she would work on providing a different base. She provided links to other bases and measurements and these were also too large. We asked for a refund and she wanted us to come in to discuss which we were unable to due to travel. She then said she'd replace a small portion ( 15 % ) of our fees which does not work for us. We do not have the table and she is withholding our refund. I contacted our bank which took the dispute but also said we should contact Consumer  Finance  as sometimes Square is viewed as just a money transfer and will not provide a refund regardless of circumstances. I also went on the Square site that does not mention this but wanted to go this route to make sure we get our money back so we can buy a dining table since we currently have nothing. Please note : the merchant did not inform me that she was using Square to take payment. She also says Terms and Conditions were given but I do not know what these Terms and Conditions were. Regardless, the complete wrong table was given to us and she will not refund us.
Consumer complaint received 2024-08-26
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. (TX)

I am XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing to dispute incorrect and outdated address information and My name currently listed on my credit report. The following addresses and name are being reported incorrectly and should be removed from my file as they are not associated with me : 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 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 2020-02-17
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc. (GA)

XX/XX/XXXX SSA deposited 2 SSA Checks {$1700.00} each into my account. Company handling the direct deposit said to wait 3-5 days to receive the deposit and i never received it. The company is now refusing to help and making the process of getting my checks harder then what it is. Cause the refusing to release the checks to me i am now homeless and missing school cause of this. I already contacted SSA and they said they tried all they can do and this was XX/XX/2020. Company is CashApp and the Bank is XXXX
Consumer complaint received 2021-02-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (NY)

Dovenmuehle serviced my mortgage loan from XXXX. Due to the pandemic, I requested a forbearance from XXXX to XXXX of XXXX based on lowered income and concerns about my employment. I began making payments in XX/XX/XXXX and continued to do so on time until my loan was transferred to a new servicer, XXXX DBA XXXX XXXX, on XX/XX/XXXX. 

As instructed by a Dovenmuehle representative, XXXX, I made full mortgage monthly payments to Dovenmuehle, on XX/XX/XXXX ( payment confirmation # XXXX ), XX/XX/XXXX ( payment confirmation # XXXX ), and XX/XX/XXXX ( payment confirmation # XXXX ) for XXXX, XXXX, and XXXX, respectively. I was told to make 3 months of payments on time to officially end my forbearance period and so I did. I made sure to do so PRIOR to the mortgage transfer on XX/XX/XXXX. However, the only payments showing in the attached document of my Payment History with Dovenmuehle are 2 payments dated XX/XX/XXXX. That is inaccurate. 

Furthermore, according to the attached documents, my Dovenmuehle account shows there was a payment due on XX/XX/XXXX, however my loan was still in forbearance at that time. This is also inaccurate. 

I wrote to Dovenmuehle to ask them to correct this information because the incorrect information was also shared with my new mortgage servicer, Mr. XXXX. They simply stated that they had shared the deferral letter but could not ( would not ) correct any other errors. It has caused a number of issues related to the correct amount owed currently as well as the end date for my forbearance as well as the amount which was deferred prior to the loan transfer/assumption.

After my correspondence to Dovenmuehle on XX/XX/XXXX to ask them to correct this error, they responded on XX/XX/XXXX, failing to address the stated inaccuracies on my record. Their response ( attached ) only addressed the sharing of the letter regarding my deferral with my new lender.
Consumer complaint received 2021-02-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

Hi, I was actually talking to a representative from Portfolio Recovery Associates and they mentioned that as long I pay the collection account, they will report and demand the credit bureaus remove the entire tradeline from my file. They actually direct me to their website to look under FQA section where I screenshot and copy below. Please remove it.
Consumer complaint received 2024-09-02
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: EQUIFAX, INC. (MN)

I am writing to notify you that I have fallen victim to identity theft, resulting in multiple fraudulent entries on my credit report. These 7 unauthorized accounts and 8 inquiries were added without my knowledge or consent. 

ACCOUNTS - 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have filed a formal report with the XXXX XXXX XXXX XXXX XXXX  ) concerning this identity theft and now urgently request the immediate removal of these fraudulent items from my credit report.
Consumer complaint received 2021-02-23
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. (FL)

My information has been stolen by someone unknow and they have been using it to get credit on my name, i have been very responsible securing my personal information, i cant think how they got their hands on my information, as a person that barely used credit, i can not explain how it is destroying my name / credit rating. my goal for this is to have all debt that does not belong to me removed delete and block from reporting to credit ever again.
Consumer complaint received 2021-02-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST HORIZON BANK (NC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Home Phone : XXXX NC Unemployment Claimant # : XXXX I am a XXXX XXXX located in XXXX, NC. 

Due to the COVID-19 outbreak, my XXXX was closed in XXXX, XXXX by State mandate. 

I filed my first claim for unemployment on XX/XX/2020 - confirmation # XXXX. 

A certification form has been filed each week since that time with all transactions and deposit dates recorded on the NC Division of Employment Security ( DES ) website. 

In the meantime, my bank of choice has undergone a progressive chain of events. Due to this, my account has been shifted around with the numbers changed and evidently compromised. 

I was a customer of XXXXXXXX XXXX which merged with XXXX XXXX XXXX to become XXXX XXXX. Consequently, banking laws, mergers and buyouts have now landed my account at First Horizon Bank, formerly known as XXXX XXXX XXXX 

Somewhere, the ball was dropped and my payments from DES have not been deposited into my bank account. I contacted the DES and was told it is a bank problem. I visited my current bank, First Horizon, and was told it is a DES problem. Wherever the blame lies, my money has been lost in the shuffle. Neither source claims to know where my money is and I have been going back and forth between them for almost a year. No solutions ; just blame on the other party. Now DES is apparently oblivious and has had my account locked for at least a month. I can not even file my weekly certifications. 

At this time, I am in desperate financial straits. I am about to lose everything I own. I am months in default on my commercial lease which if I lose, will put me in dire debt for many years to come. My phone, gas, water and electricity are one by one being disabled both at my XXXX and my home. 

I have followed all the rules, been available for interviews and telephone calls, and faithfully filled out all forms for certification. 

I hope you can help me. Thank you. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX to : US Office of the Comptroller of the Currency US Federal Banking Commission NC Department of Commerce NC Commissioner of Banking XXXX XXXX XXXX, Chairman and CEO of XXXX XXXX, formerly XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, President and COO of XXXX XXXX, formerly XXXX XXXX XXXX XXXX XXXX, Governor of North Carolina XXXX XXXX, President of First Horizon National Corporation
Consumer complaint received 2021-02-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC (OH)

I have reached out to Sequium several time to dispute the debt. Sequium claims the debt is from an unpaid service from XXXX XXXX XXXX internet account. However, XXXX  XXXX XXXX says it from not returning equipment, which I returned. 

On XXXX an XXXX  rep gave me a {$20.00} credit off the {$120.00} bill and submitted the rest of said balance to management to be reviewed for a credit. As he didnt have the authority to rectify the entire balance. XXXX, manager from XXXX called around XXXX EST on XXXX and said the bill was zeroed out. I called XXXX to confirm, it was. 

On XXXX I called Sequium. The representative was very forceful trying to get me to pay money I didn't owe. After threatening legal action and telling her the call was being recorded ( at that time it wasn't ) she allowed me to proceed to 3 way XXXX. The XXXX rep and the Sequium rep spoke to each other. XXXX reiterated the {$0.00} balance. However, Sequium refuses to remove the debt. Please see my recorded call on their refusal on XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-09-06
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. (NV)

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 Account Name : XXXX Account Name : XXXX Account Name : 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 2020-01-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (MA)

I had got scammed by a man who wanted me to pay rent in his room for rent but he never sent the keys and I lost {$1000.00} on the XXXX dollars on Cashapp. The company did not return the money as they said it was already gone.
Consumer complaint received 2020-01-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Block, Inc. (NY)

This is my third charge back issue with square bank ( the prior two attempts at charge backs were for small amounts so I did not peruse as diligently ). Every time I attempt to initiate a charge back their company never emails me back despite their XXXX guarantee. I have submitted requests for support 3 days in a row ( once a day after XXXX hours ) and have received no response. Their phone number merely tells me to use the app again, I feel as if I am attempting to resolve this dispute with a wall.
Consumer complaint received 2020-01-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (CA)

I was the victim of a check deposit scam that included transferring money on the Cash App platform from Square Inc . I applied for job, for which I 'interviewed ' and was 'accepted '. As part of the scam, the criminal sent me a check on XX/XX/2020 for XXXX USD which I was instructed to deposit in my account ( I did on the same day ) and make a transfer to a 'vendor ' for XXXX USD, who would provide me with materials necessary for the job. I used Cash App to make the transfer on XX/XX/XXXX. After I made the transfer, the check was rejected by my bank because the bank that had issued the check did not recognize the account number on the check ( XX/XX/XXXX ). I alerted Cash App to the scam and requested to file a fraud claim against the recipient ( an account clearly belonging to the perpetrator of the scam ). Not only did they refuse to refund me for the fraudulent transfer, they didn't even have a process by which I could file a fraud claim with the company.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

The late payments on my credit reports should not be showing. I asked for assistance with a hardship and explained that I had XXXX during the time the payments are showing late. I have never been late and would like XXXX XXXX to remove the late payment status on all three credit reports.