davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (AL)

{$2200.00} was stolen from my account XX/XX/21 from a series of transactions from XXXX from XXXX  and at least XXXX XXXX  and XXXX XXXX. I woke up to a XXXX cash app account balance and immediately cancelled the card to avoid future charges. Someone duplicated my cash app card and used in New York on an XXXX. Im in Alabama and own an XXXX. The following day the card produced negative balances when the pending cleared as I was advised thats all I can do while they look only in the end to be told its too late .. the payment was captured. I have been patient and allowed Cash App to investigate, the case was closed due to no response when no further communication was needed from me 3 days later. I reopened it the same day and a week later only {$20.00} refunded XX/XX/21 and said they were working on the other transactions. When I followed up XX/XX/21 about the other transactions I was only told XXXX and XXXX had already captured the payment and basically there is nothing else that can be done, despite my account being hacked and money being stolen. Ive spoken with countless customer service representatives, dispute team, managers, and even email corporate executives to only have mail blocked. I need a full refund and potentially due to damages. I work hard for every cent I receive and have a family to provide for, this is beyond unfair for my money to be taken and be dismissed from everyone from the tail to the head of Cash App.
Consumer complaint received 2021-07-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (NY)

1.My Name is XXXX XXXX my cash app is XX/XX/XXXX XX/XX/XXXXand my email is XXXX and my phone number is XXXX 2. The date of these transactions is XXXX XXXX And the amounts are XXXX XXXX XXXX and XXXX The first transaction was at XXXX : XXXX and the last one was at XXXX : XXXX 3. The reason Im making this claim is because I never made these transactions I dont know how somebody did but I need my money back 4. I was no instructed to download nothing 5. I have a XXXX XXXX XXXX 6. XXXX New York 7.I never forwarded or gave my Account to anyone
Consumer complaint received 2021-07-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (OK)

Sometime before XX/XX/XXXX, I was contacted on XXXX  by a person claiming to be XXXX XXXX, posing as an employee of XXXX. After chatting on XXXX several times, the conversation was moved to XXXX. My business, XXXX XXXX XXXX, was hurting due to COVID and low oil and gas prices and I was looking to make money to pay my bills so XXXX convinced me to invest via XXXX in a company he was working for that is now known as XXXX that would use binary trading to invest on my behalf. I was told that the minimum to invest was {$500.00}, so I bought XXXX BTC via CashApp for {$500.00} including fees. I transferred the bitcoin from wallet XXXX to wallet XXXX on XX/XX/XXXX. I was then told that I had to meet the wallet minimum of {$2500.00}, so on XX/XX/XXXX, I purchased XXXX BTC for {$1200.00} including fees. I then transferred said bitcoin to the same wallet. Trading then commenced and when first cycle was over, I asked to withdraw the bitcoin. I was told that the withdraw/exit fee was {$3100.00}. I then bought XXXX XXXX on XX/XX/XXXX at a cost of {$810.00} and transferred it to wallet XXXX as instructed by XXXX via two separate transactions on XX/XX/XXXX & XX/XX/XXXX. I then bought XXXX XXXX at a cost of {$1500.00} and transferred it to the same wallet on XX/XX/XXXX followed by a purchase and transfer of XXXX BTC ( {$1600.00} ) on XX/XX/XXXX. I was then told I had to pay a Delay Fee of {$2500.00} for my funds would be released because I waited too long to pay the withdraw/exit fee. I was in dire straights financially and had borrowed the money to pay the withdraw fee from my wifes retirement account. That money was supposed to pay my bills for the month, so I had to borrow more money from another retirement account to pay my bills for XX/XX/XXXX. At this point, I fully believed the whole thing to be a scam and refused to give them additional bitcoin, so I have never received my funds. Please help me recover this bitcoin if possible.
Consumer complaint received 2021-07-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc. (MD)

Step 1 : What is this complaint about? Cash app & XXXX XXXX  XXXX Step 2 : What type of problem are you having? 
Getting my money returned to me Step 3 : What happened? 

Amount : {$190.00} Date & time : XX/XX/26 XXXX XXXX Unauthorized : cash app scam from someone who told me if I send {$200.00} then I get back {$2800.00}. Once I sent the money they claimed I need to send more to verify my identity. The lady is using a fake cash app and fake XXXX name Amount : {$400.00} Date & time : XX/XX/26 XXXX XXXX Unauthorized charge : cash app bitcoin scam and now the person wont respond to any of my messages to get my money back Step 4 : What company is this complaint about? Cash app and XXXX XXXX  XXXX XXXX 5 : Who are you submitting this complaint for? me
Consumer complaint received 2021-07-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Block, Inc. (TX)

In reference to a previous complaint XXXX I received a generic answer, however SQUARE has still not performed and is still holding our money longer than the promised release date.

Below is the email from Square where they stated we would get our money within 2 business days of XX/XX/2021. They are currently holding {$500000.00} of our money. 





Hello XXXX, Our Account Services team has reviewed your account and determined that we are no longer able to support processing your payments. Starting today, your account with Square is deactivated.

Any funds currently in your account balance will be held for a period of 90 days, and are due to be released to you within two business days after XX/XX/2021. 
Please be advised that the release date and amount available for release are subject to change based on factors that include receiving additional chargebacks after this notice. In addition, chargeback activity on payments unrelated to these funds will result in additional debits from your linked bank account. 
For payments that havent been deposited ( generally in the last few days ), you may consider having your customer pay you by another method ( cash, check, etc. ) and refunding the payment ( s ) back to the original payment card ( s ). The full payment amount will be returned to your customer. Refunds can be issued within 120 days of the original payment date. To learn more about issuing refunds, please visit here.

For more information about our policies, please review the Square Payment Terms.

We appreciate you considering Square for your processing needs.

Sincerely, Square Account Services
Consumer complaint received 2021-07-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (IL)

On XX/XX/XXXX there was an unauthorized charge of {$1200.00} deducted from my CashApp account. Upon, me noticing the unauthorized charge I immediately reached out to CashApp regarding the concern. I called and spoke to a representative by the name of XXXX to put a hold on the card and to also dispute this charge. Following the incident a number of gambling transactions continued to they to be deducted from my CashApp. I explained to the gentlemen I do not partake in any gambling at all. XXXX also recommended me reaching out to the merchant to file a dispute but XXXX 's systems were not user friendly what so ever, on their contact us page I requested help to not only get any response either. After the credit was applied, CashApp emailed me later to mention it was removed and granted and granted in the merchants favor. They didn't mention why or how, which is super odd because the representative mentioned this was a known issue or a CashApp breach. Lastly, based on my history on any account that I own I have never gambled on any online sites ever. My pattern and history shows that. If you all have any further questions please feel free to reach out.
Consumer complaint received 2016-08-30
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (CA)

I have a college account with chase and ever since I have had the account my experience has been horrible! My account has been stolen more then twice! even In a whole different state ( XXXX ). I went to XXXX for a few months over the XXXX and only used my travel account, When I came back I found out my account was hacked yet again. Someone has completely stolen my identity and chase is letting it happen! logging into my online banking and even more! I 'm extremely upset with chase. They have credited the money back to my account and waited a few weeks to tell me that they now have to take it back! what kind of mess is this?
Consumer complaint received 2021-06-24
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. (AZ)

On XX/XX/XXXX XXXXXXXX XXXX made an unauthorized charge to my SquareCash Visa for {$98.00} in XXXX XXXX AZ XXXX I had not been in that area for over two weeks, nor did I make an online purchase with XXXX. I noticed the fraud charge two days later when my card was declined and checked my account history to find out why.

SquareCash does not dispute transactions for you, they tell you to contact the merchant to resolve fraudulent charges. Later that day I called Targets corporate helpline that deals with security issues. The associate informed that the person to handle the issue had left for the day & to call back the next day. I did and they opened a case to investigate the fraudulent charge. I followed up Monday the XXXX per their instruction and after being transferred to someone I was told there was nothing they could do for me because there was no history of the transaction. 
I then returned to the SquareCash Support and sent an email XX/XX/XXXX requesting they correct the fraudulent charge. They responded the following day with brief instruction on how they will proceed, then I got another follow-up the XXXX with further instructions and questions about the fraud. I responded the XXXX and again the XXXX and have not heard any response since. Im concerned that no will fix this fraudulent charge.
Consumer complaint received 2023-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions 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 account # XXXX XXXX XXXX XXXX and Department of Education/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 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 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

It is unlawful to report inaccurate information on my credit report. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  repeatedly publishes inaccurate information and has forced me to sue in state court. You ignore all evidence repeatedly, u fail to provide me with the docs they gave u to affirm their inaccurate publications, u allow and protect their inaccurate credit reporting willfully and aggressively against me. The debt XXXX continues to affirm is a mortgage loan that was induced by fraud and thus is void at the execution and the law does not allow to be affirmed with payments. Despite this XXXX knowingly and intentionally applied money from check XXXX {$79000.00} into a principal reduction of the loan. Then XXXX took out the money that lowered my principal {$73000.00} and applied it to monthly payments to increase my principal over {$20000.00} and pay themself that amount. You have failed to get proof they paid my home ins XXXX XXXX, you have failed to get proof that the loan was not canceled within the statutory period, you have failed to get proof that I EVER made a payment to this loan. But for some reason you think you can ignore that proof and just keep sides with the inaccurate publication. I dispute the enforceability of this debt so you must do the minimum and get proof that I did not cancel with the three day statutory protection I have. That means you must obtain at the least proof from the company that they or some other person EVER delivered to me the statutory cancel docs. You can not get that proof because those docs were NEVER delivered. The loan was canceled. The evidence proves it. You failed to get proof that I ever got those two written cancel docs accurately filled out. The face of the docs even have the wrong address and include the house across the street. They are facially inaccurate but u ignore that. You dont care. U use any other means of affirming this debt. U use means above and beyond reasonable means to ignore my evidence and side XXXX the company. That is not for u to decide. U must not ignore my proof. You must get proof from the other side that I failed to cancel this debt within the statutory time. Next they will say I owed more money. WRONG!!! I sustained financial injury as a result of the fraudulent inducement for 6 months of this mortgage. That is not for this co to decide or you but a court. I paid back all money per contract terms. The amount in disput is an unliquidated debt that is in despite. U dont get to decide to enforce this debt or publish it as accurate when the very foundation is in dispute. U have a standard of care and you are well below that standard of review. Fix this and remove the debt now.
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. (NY)

Opened On : XXXXPayment : $ XXXX Reported On XXXX XXXX Due : {$15000.00} Account Condition : ClosedMost Recent Payment : XXXX Responsibility : Individual Payment Type : Installment Months History : XXXX Subject : Formal Complaint Against an existing Credit Bureau Practices Dear CFPB , I am writing to formally address the refusal of the credit bureaus to provide a fresh copy of my contract agreement, including my signature, indicating my consent to pay the alleged debt called ( XXXX XXXX XXXX  - Account no. XXXX or Account Number : XXXX ). Despite multiple requests for validation, they have failed to produce this documentation. Instead, they have escalated the situation by sending threatening and coercive letters to my family residence, which is unacceptable. 

I kindly request that the CFPB intervene to ensure that the credit bureaus comply with my rights under the Fair Debt Collection Practices Act and cease any further harassment until the matter is properly resolved with the appropriate documentation. 

Thank you for your attention to this matter. 

Sincerely, XXXX
Consumer complaint received 2021-09-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (CA)

On XX/XX/2021 I submitted a XXXX payment through Cash App to my mother 's gardener. On the following morning, the gardener informed me that he no longer had access to this account. I immediately attempted to cancel the transaction, and sent another payment of XXXX to his new account. I contacted Cash App Support, and I was told that the recipient must reverse the payment. I explained that the recipient no longer had access to the account, therefore, he was not able to reverse the payment. The recipient contacted Cash App, and explained that he no longer had access to the old account. Also, he provided the new Cash App account information, however, Cash App refused to refund the 1st payment. So, in essence Cash App kept the 1st payment. I have tried repeatedly to explain this to Cash App Support Staff, but have not received any positive response. 

The recipient also contacted Cash App per their instructions, and explained the above situation. Cash App remained firm, and refused to return the funds. 
It appears that Cash App has no regard for the little guy. This is a minute amount of money for this company. I have dealt with multiple representatives, but have not been able to resolve this issue. I am seeking your help to resolve this issue, and receive my refund. Thank you in advance.
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. (FL)

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and Equifax ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 




XXXX  Facts : XXXX is aware and has proof in the attachment labeled as Exhibit XXXX. ( XXXX  XXXX  ) Account number # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681 ( d ) ( XXXX ) The inaccurate reporting of both my account status and payment status by ( XXXX XXXX ) Account number # XXXX is causing harm to my credit reputation and financial standing. 

All items listed in Exhibit XXXX  are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Consumer complaint received 2021-09-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (TX)

Someone has changed the password and then the administrator settings in all of my cash app and robinhood accounts. They have ordered debit cards in both accounts. I received 2 cards at my residence which alerted me to the fact that they are compromised. When I try to contact support at either of the companies Im treated like the hacker. Not only that but Im receiving XXXX  XXXX XXXX account alerts and XXXX accounts alerts for deposit and account balances. I do not have accounts with anyone except XXXX XXXX XXXX XXXX XXXX. I also cant get into anything online anymore. I have had 3 phone insurance packages sent to my home for lines and numbers that I dont own. Ive changed cell phone service twice and now have a line on plan through my mother. Ive been trying to get this reported for months and havent had any luck going through the Internet. Tried to report to the local police. They think Im XXXX XXXX. Not the case. I need to provide my evidence to a person. Also I have screen shots of the embedded script in the previous phone to which they are using as a method of discovery to see my personal information. In action To the irs sending letters stating my identity is compromised and needs to be proven
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. (NC)

Consumer Name : ( XXXX XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Collection Account : XXXX {$3200.00} XX/XX/XXXX XXXX {$3000.00} XXXX XXXX, XXXX XXXX {$50.00} XXXX XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX XXXX {$4300.00} XXXX XXXXXXXX XXXX XXXX {$710.00} XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
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. (IN)

Goes against FCRA XXXX ; XXXX XXXX XXXX & XXXX XXXX XXXX If you can't validate debt and provide proper documents with my signature Delete this account now or I will have the right to sue this collection company for reporting false information to the credit bureaus. 

Please investigate the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX
Consumer complaint received 2023-11-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

{$100.00} XXXX  transfer to XXXX XXXX was scam XX/XX/2023 {$500.00} XXXX  transfer to XXXX XXXX XX/XX/2023 {$500.00} XXXX transfer to XXXX XXXX scam on XX/XX/2023 {$450.00} XXXX  to XXXX  scam on XX/XX/2023