davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (MD)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2020-07-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Block, Inc. (CA)

I withdrew {$200.00} from CashApp from a XXXX ATM and was charged {$5.00}. I would like to be reimbursed for the {$5.00} fee. On XX/XX/XXXX, at XXXX, I withdrew {$200.00} and was charged {$5.00} in ATM fees. I was charged {$2.00} from CashApp and {$3.00} from the ATM. I was charged {$5.00} for a total of {$200.00}. 

According to ATM Fees On Cash Card, cash cards work at any ATM, with just a {$2.00} fee charge from by Cash App. Most ATMs will charge an additional fee for using a card that belongs to a different bank. You can get all these fees reimbursed by receiving direct deposits to your Cash app. 

I used a XXXX ATM to make a {$200.00} withdraw. I was informed by a Cash App representative that as long as I use a XXXX ATM machine with the Money I wouldnt be charged any fees to withdraw funds. I also was informed that if I received direct deposit to my cash app I also wouldnt be charged any ATM fees. 



Kind regards, XXXX XXXX
Consumer complaint received 2020-07-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (NY)

This girl steals, cheats, and cheats on people on XXXX XXXX pretending that she donates a phone and only requests money to send the phone and sends photos to you that she is inside XXXX and sends you a fake XXXX XXXX and XXXX requests more money than the agreed amount because the transfer price Requires more and then block work ... she asked me to download CASH APP and do transfer money through the app her name on app ( $ XXXX ) and her name on XXXX XXXX XXXX and when i send to her friends on XXXX to explan to them, they said her account was scaamed .. her took from me XXXX $
Consumer complaint received 2020-07-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc. (FL)

I received a brand new phone last week on Wednesday ( XX/XX/15 ) and logged in via my phone to my Cash App ( The payment transfer app from Square ) using my phone number. I believe that the system locked my account because it was a new device that they did not recognize so I did not think it was a big deal so I simply submitted a support request to have them unlock my account. This was submitted on that same night. 

Thursday morning a customer support agent emailed me from Cash App asking me 6 different questions to unlock my account. I immediately replied to the email with all of the information that they asked for within minutes and have yet to hear back from them. All of my money ( {$4100.00} ) is in that account as they tote their direct deposit capability and encourage people to keep their money in their app and I can not transfer it to my XXXX bank account or get ahold of someone on the phone to verify that it is me so that they can unlock it. Have tried contacting them via eMail, social media and even adding their customer support representatives on XXXX but haven't received any responses.
Consumer complaint received 2020-07-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (CA)

On XX/XX/2020 two unwarranted transactions took place on CashApp account. These transactions were requested by XXXX XXXX for {$2500.00} and XXXX XXXX for {$940.00}. I do not know either of these people. I requested a refund the same day. I have yet received any funds. I also attempted to contact Cash.App customer support by phone. XXXX XXXX, who answered and presented himself as a support agent with CashApp, told me to open CashApp and directed me to accept the transactions. He requested my bank card number and connected to my phone with XXXX XXXX. He used that information to take an additional {$1000.00} from my bank account, then erased my phone number, email address and transaction history from my CashApp account. I am retired and live on a fixed income. I don't know how I'm going to pay next months rent or buy medicine. Please refund my money ASAP. If you any questions, please feel free to contact me. 

Thank you, XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-19
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (AZ)

A XXXX  payment was made using my account, cash tag $ XXXX. I immediately notified cash app. I then received notification that my phone number had been unlinked to my account as well as my email. This took place on Sunday XX/XX/XXXX around XXXX. The cash card associated with the account was **** **** **** XXXX CVV *** EXP **/**. The bank account associated with the account was XXXX. I reached out for assistance and Was advised that more information was needed to authenticate my account I provided the information that they requested and was advised that there was no way they could assist with resolving the issue nor would they be able to provide refunds or access to my account. Multiple transactions and deposits have been made to account. And the account Is still open as I verified with multiple merchants that the refunds they have initiated have successfully went into the account.
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.
Consumer complaint received 2020-08-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc. (IL)

Deposited my ui benefits into a cash ap account. I purchased a new phone and tried to sign in but they locked my account for possible suspicious activity. This was on XX/XX/2020. On XX/XX/2020 they unlocked my account and unlinked my personal info and kept my funds totaling {$1100.00}. Trying to login results in making a new account.
Consumer complaint received 2020-07-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (IL)

I added XXXX to my Cash App, run by XXXX XXXX  and Square Cash App. 
After Adding the XXXX I unlocked my card to use it for spending like I usually do. 
Upon making the purchase the merchant said he received an odd error code that never happened before. I went back to the app and did this 5 times. The App declined the purchase 5 times. I had been using the app frequently throughout the entire month and this never occurred. They were not only trying to block my transaction but did it intentionally. I uploaded the funds 10 minutes prior to swiping the card online while on the phone with the merchant. They denied me my purchase and never fixed the app even after reporting it 5 times by email and by contact on the app. I deleted the app and then downloaded it 2 times and it still did not work. They intentionally blocked my purchase. If you look at the image attached while on the app, it shows I added XXXX then immediately after they declined my purchase repeatedly.
Consumer complaint received 2020-07-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (WA)

date XX/XX/2020 {$100.00} was sent to my account, I lost my login info, tried to contat the company previous times, no response, I sent in all of my accurate information and they said that my card info they could not identify. I have all of my paper work that came with my card, I have my card and all other documents necessary to prove that it is my account. company is cash app
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

I've reached out to XXXX, XXXX, and Experian pertaining frequent credit score point deductions that are being flagged on my credit reports for no valid reason. Today I had a XXXX point deduction on an auto loan account when a payment is not 30 days past due. They are randomly deducting points for odd reasons that do not comply with credit reporting. They are also not correcting my credit score when accounts are resolved. Meaning they are not increasing the score as accounts are paid off, cleared, etc. as they should be.
Consumer complaint received 2023-11-08
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. (OH)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and correct for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX : {$650.00}
Consumer complaint received 2019-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

According to my recent credit report request from Transunion.com there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & TRANSUNION VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Creditor Information XXXX XXXX XXXX XXXX   XXXX, WA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX
Consumer complaint received 2019-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NH)

XXXX  XXXX XXXX, XXXX put a Wage Garnishment on my account. the date was XX/XX/XXXX-18. I  contacted them and did a Payment In Full over the phone. They are continuing to report to all of the credit burrows as delinquent not once but 5 times for one account. i want this to be corrected back to the date of XX/XX/2018 as paid in full and corrected to current date and going forward. I have contacted them and they state that my debt in question has been sold. How can they sell a debt has has been paid in full? I have the authorization number of the one time payment, also the statement from my bank that it was paid. i just want this to be rectified.
Consumer complaint received 2020-07-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (NC)

I have a cash app a account and I use it from time to time on Friday ( yesterday ) I cashapped my mom money for rent. My fianc called me and asked why I send her the payment multiple times It was XXXX to my mom XXXX XXXX ( we have a joint account ) I told him I didnt I looked in my cash app account and it only had one transaction. I then look at my banking mobile app and saw someone is using my debit card on there cash app and sending money from my bank account to theres. I immediately called the bank reported my debit card lost/stolen. I then contacted cash app via there support team on XXXX and demanded a refund. They allowed someone to upload a card to there cash app that didnt belong to them. They basically said they couldnt help me and to contact my bank. This is fraud I dont know the people who the money went to and I want a refund and my card to be removed from there cash app although I already closed the card I also filed a police report. The total amount taken was XXXX I have no idea who XXXX XXXX is or XXXX XXXX.
Consumer complaint received 2018-10-08
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SUNTRUST BANKS, INC. (AK)

I contacted Suntrust Bank for the payoff amount for my mortgage. I was told it would cost {$15.00} to fax the information. It could be given verbally or mailed for free. 

I was then told I had to send guaranteed funds to pay off the loan, not via online payment or a personal check. I have made the monthly payment online and they were happy to take it. It seems unfair to pay for a wire or casher 's check to be required to pay off the loan. They also do not credit the escrow funds to the payoff amount, you have to wait for them to mail it later. 

It seems they are making it difficult to pay off the loan early.
Consumer complaint received 2023-11-08
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. (GA)

I have spoke with transunion on XXXX occasionas to remove inquires that are not mines. They have not been deleted and they are giving me a hard time I have filed A ftc/police report I even provided them with this information. I provide with the statement according to consumer laws : You are required to do what I am asking and block these transactions from being reported to my consumer report within XXXX  days from the date of the receipt of this notice. I look forward to your response " and yet the inquires still remain im requesting immediate removal
Consumer complaint received 2020-07-25
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc. (NY)

I am contacting about cash app. This company has allowed someone who is not the cardholder to connect my card to their account and drain my account of all my funds. There is no number to contact them to look into the matter. The person made over 6 unauthorized charges on my debit card and was able to get away with XXXX in cash. I have filed a police report and am waiting g to hear back from the police. Cash app policies are a big security breach. My cash app wasnt hacked but my card was stolen. Yet cash app has no security feature that prevent anyone who steals anothers card information from draining their bank accounts.
Consumer complaint received 2022-09-21
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

On XX/XX/XXXX I opened a letter from XXXX XXXX telling me I needed to pay XXXX dollars for a debt owed to XXXX  internet. 

I was completely unaware of this debt, and upon confirming with XXXX  I paid that debt with them that same day on that same phone call. I was then informed a letter would be sent to XXXX XXXX that the debt had been paid. 

On XX/XX/XXXX XXXX received notice I had negative activity on my XXXX and TransUnion credit reports, it was an open collections from XXXX XXXX XXXX for a debt I had paid. I immediately disputed with XXXX and they have removed both the open balance and the collections notice from my credit report, TransUnion is stating after my dispute that their information is accurate and I have an open collections debt. 

When I called XXXX  on XX/XX/XXXX asking if they had sent the letter to XXXX XXXX telling them the debt had been paid they told me it had not yet been sent, but it would get to them within 60 days. 

My credit has been immaculate, I've never missed a payment, am in good standing with all of my creditors and don't believe TransUnion got this right. I am potentially moving states for a new job and this negative impact on my credit will greatly affect my life.
Consumer complaint received 2020-07-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (MA)

Hello, I was using a cash app to purchase stocks and boosted my account up to {$500.00}. I sold some stocks that I no longer wanted and suddenly my account was closed. My money is still on their app and they closed my account with no warning.
Consumer complaint received 2020-07-27
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (FL)

This complaint involves two debit card companies, those being Cash App and XXXX, respectively. The reason there are two companies is because, on the surface, it might appear that the host company, [ Cash App ], says that they transferred my funds to XXXX  Debit at my instructions, is being truthful, yet XXXX claims to not have received the funds, only a notification that such funds was forthcoming from Cash App. 

As shown in the attached Cash App Transaction Record, I transferred all funds in the Cash App Account in the amount of {$14000.00} to XXXX and Cash App then closed the account. 

Since that time, my {$14000.00} is missing and because Cash App was the host institution, they have the responsibility to insure that the funds were in fact deposited with XXXX as instructed by myself. They insist that they have no further responsibility in this issue because the attached document does in fact say that Cash App in fact cashed my account out in the amount stated above and forwarded/transferred to " XXXX ''. However, initially XXXX told me that it would take three days for the funds to become available, identifying the amount without prodding from myself. 

Three days later, the funds did not show on my XXXX Account. Several conversations were held with XXXX representatives regarding this matter with XXXX maintaining that it does not have the funds [ {$14000.00} ]. It is a strange situation because the record does APPEAR that Cash App did in fact, at my direction, transfer the mentioned funds. This evidentiary fact does not change Cash App 's responsibility to see to it, or help facilitate a customer 's receipt of funds demanded in that customer 's account. 

Further, because " XXXX '' was able to identify the amount transferred to XXXX, gives this writer to believe something is amiss between these two companies, and I should not have to prove, with files which are held by the would be fraudsters, which Debit Card Company is guilty of either neglect, or purposeful theft of my {$14000.00}. 

I believe that either way, from a legal perspective or from a decency perspectives, both companies must assist in finding funds now taken from me and has simply vanished. 

Lastly, both companies are declining to assist in the locating of my funds while I suffer because I don't have access to my own funds, which as one might expect, mostly would be earmarked for bills of varying kind. 

This is a substantial amount of money to permit any company to simply vanish my or anyone else 's funds. I have filed a dispute with " XXXX '' which has yet to be answered, and have spoken with agents of XXXX. No physical complaint have been filed with Cash App since the transaction page of my account with Cash App show that the funds were " Cashed out '' after all funds were transferred to XXXX.
Consumer complaint received 2022-09-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2022-09-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TD BANK US HOLDING COMPANY (FL)

I have been banking with TD Bank since XXXX. Since XX/XX/XXXX, the bank has taken a {$25.00} " maintenance fee '' from my checking account monthly for failure to maintain a high minimum balance of {$25000.00} ( in comparison, the bank provides on average XXXX cents of interest per month in my savings account ). These exploitative and predatory fees have reduced the amount of money in my account by 20 percent over time ( more than {$500.00} has been taken ). 

I was not monitoring this account closely because it is a " rainy day '' fund. I do not have an ATM card associated with this account. I was devastated to learn about these fees and can not understand how it is equitable that the bank be allowed to take my money from me. 

I have attempted to resolve this situation by speaking to customer service and a local branch manager to no avail.
Consumer complaint received 2020-07-13
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc. (MI)

i open cash app account and during the time the account was open they open it as a business account i never knew this until everytime someone send me money they would take out fees they have tooken over {$300.00} in fees for a personal account when they shoud have not have also they refuse to give me money taken out my account of XXXX $ they have no phone number tocontact noone or nothing