davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (OK)

I open a sq cash app account. I had link my sq app with my XXXX XXXX  credit card. During XXXX XXXX someone hacked my account and random peoples was trying to withdraw. What happened is that someone hack it and withdraw a {$380.00} and {$400.00} into my sq app and my bank authorize it without my knowledge. So when I found out I try to contact sq app customer service but is very difficult so I wrote a letter to them asking them to investigate to see where my money go. No answer until recently I managed to get hold a customer service and explained the situation. After explaining to them they says they did pay the hacker but reversed the money back to to my XXXX XXXX. I call my XXXX XXXX they told me they did not see a refund back to my account. I call sq app customer service again and explained to them that the bank did not see any refund, they keep saying that is my bank problem. 
I told the sq app customer service I have try many time they keep saying they did not see the refund in my account refer me to sq app customer service. 
I call sq app again to send me proof if they credit my money back into my account but they says the case is close nothing they can do. 
I told them I need my money back it can not just disappeared but they dont care less. 
Please help me because I have gone through a lot and I am not a good in dealing with big company with poor English.
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: EQUIFAX, INC. (NY)

My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2021-03-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc. (LA)

On XX/XX/2021 from XXXX XXXX to XXXX XXXX 6 transactions of {$250.00} came from my cashapp account to and the recipient with $ cashtag $ XXXX. I had {$15000.00} stolen in 1 minute. I hadnt even heard of this account before nor was I even awake when this occurred. By the time I woke up ( XXXX XXXX  ) I immediately tried to requested a refund from the account that stole and tried to dispute them as fraudulent and contact cashapp to inform then that I had been hacked. 
Immediately I received an automated email telling me basically nothing and that I needed to send the information to dispute through their email. I then responded to the email and continued to get the same automated email 3 more times before they informed me that since my device made the transactions that my claim was denied and they will not be refunding my money. Which isnt possible seeing as I was alone and no one was on my device, not even me.
Consumer complaint received 2021-03-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Block, Inc. (PA)

Cash App offers banking services, but there is no way to contact a live person ( no telephone number ) when there is fraud. I have had a bank account fraudulently opened in my name with Cash App. I received a debit card for it in the mail, but I did NOT open this account. Starting on XX/XX/XXXX, I have sent MANY email messages to Cash App, but I have only had one email back from them ( on XX/XX/XXXX which I promptly responded to ), and there has still been NO resolution to my knowledge. And it has been days since I first reached out. I have emailed back every day, and still NO further response. The person who opened my account fraudulently can be out there doing who knows what in my name! Please note that I have had other bank accounts at other banks opened fraudulently recently as well and I have been able to call a 1-800 number and get someone on the line & they have been able to close the account right away, start a fraud investigation right away, etc. Cash App should not be able to offer banking services if they are not able to provide immediate customer phone support for issues like this.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2021-03-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (TX)

On XX/XX/2021, my sister and I went to dinner and split the bill. She asked if I paid for it could she cashapp me the {$150.00}. I said yes forgetting how long it had been since she cashapped me so I went to the account I havent had access to since XXXX because I got a new phone. Once I realized it she and I both immediately contacted cashapp to try and cancel the funds. For several days I was asked for verifying information that I submitted just for them to determine that the account couldnt be reinstated for security reasons and it was no way to return the funds to the sender. They keep stating it is for security reasons but also so told my sister the funds cant be canceled because it was completed. I kept asking why cant the funds be returned if theyve deemed the account inaccessible. They are stating they cant provide any details the funds wont be approved to be returned back to the sender.
Consumer complaint received 2024-09-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2021-02-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (TN)

On XX/XX/2021 cash app sent over a fraudulent statement stating that they had a valid reason to denying my unauthorized transaction claim. 

They stated I did not provide supporting documentation? When I asked what supporting documentation was needed they failed to respond. 

They stated that I never answered questions about my account that is also false! 

Their agent XXXX also falsely stated that she initiated a claim and within 13 mins she denied the claim with is a federal offense. Square/ cash app has committed fraud and I simply want my money back. I wont stop until this company is held responsible! I am willing to go to all media outlets! 

The claim was submitted before the 15 and nothing had been been.
Consumer complaint received 2021-03-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (SC)

Some of my accounts were hacked so I closed my debit cards changed passwords usernames and so on. Well with cash app I changed my $ cash app name and pin. My friend sent me some money to my old account I tried to access my old account to transfer funds could not get access. I contacted cash app support through their email only way to contact them. The first email was sent on XX/XX/2021 I received the money on XX/XX/2021. So since XX/XX/2021 till this very day XX/XX/2021 I have been going back and forth trying to get help accessing my old account to transfer funds. Cash app has been sending me generic emails with links instructions on how to access my old account none of which work. The email I got from cash app on XX/XX/2021 states that they will do this one time courtesy and transfer my money into my new account. Oh happy days but the email I received on XX/XX/2021 says oh sorry no can do we can't transfer money for security reasons blah blah blah none of which makes any sense. I have all emails correspondence between cash app and myself. So I guess cash app is going to add my money to their payroll. It is theft and fraud plain and simple. The last email I received XX/XX/2021 from cash app says seeing how I haven't responded to them in 3 days the matter is closed. My last email I sent to cash app was on XX/XX/2021 so no 3 days has not passed without me contacting you so now cash app is out right lying.
Consumer complaint received 2021-02-23
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. (WA)

When merchants are are unresponsive and transactions are disputed, this company does not investigate them properly, which is a violation of federal and state law, but also a violation of their card issuing agreements with visa/mastercard. 

The improper investigations are due to extremely poor quality, including poor English comprehension, of outsourced customer service.
Consumer complaint received 2021-02-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (CT)

This issue concerns a Cash App transaction. My daughter and I use Cash App to send money to each other. My Cash App account is linked to my XXXX debit card for a checking account at XXXX XXXX XXXX in Connecticut. 

I initiated a transaction to send her {$100.00} on XX/XX/XXXX. I immediately decided to cancel the transaction, and canceled/ reversed it. Cash App labeled the transaction as Reversed. 

The {$100.00} was instantly taken out of my checking account at XXXX, and shows there on my bank statement. It was never put back in. Cash App customer service claimed that the money was sent back to XXXX on XXXX XXXX at XXXX XXXX and they should have it. I called XXXX, and they painstakingly went through ALL electronic fund transactions made on the XXXX, XXXX and XXXX. There was no return transaction. 

On XX/XX/XXXX, I went to XXXX and submitted an official written claim for the {$100.00} because Cash App still maintained that they had sent the funds. XXXX was kind enough to refund {$100.00} pending their investigation ( I have been a customer there since the XXXX ). 

On XX/XX/XXXX, I received a letter from XXXX saying that their investigation had determined that they were not liable for the claim. They took back the {$100.00} they had provisionally given me. In the course of their investigation, they were told by Cash App that the money had already been given to me and was sitting in my Cash App account as a stored balance. ( Again, Cash App had originally said the money went to XXXX )  There is no money stored in my Cash App account. There has never been any money refunded to me. The {$100.00} is in limbo somewhere. 

I have repeatedly contacted the Cash App customer support department, and have received the same response from 4 different people : " File a claim with your bank. '' I have told them many times that I already did that. I have asked for them to call me. I have asked for a supervisor to contact me. That has never happened. There is no published telephone number for them. 

My advice to others would be 1 ) never make {$100.00} transactions -- they are too common and too difficult to trace ( send {$100.00} instead ) ; 2 ) do not try to reverse a Cash App transaction -- instead, get the other person to initiate a new transaction and send your money back.
Consumer complaint received 2021-02-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (NV)

First off, I have the XXXX transaction history file. I will attach the file below. 

Also, when I contacted my Financial Institution because I was scammed and a victim of wire transfer, Cash App closed the account and black listed all my accounts. I can't open a new account using my financial institution. 

On XX/XX/2020 a payment in the amount {$100.00} was sent to XXXX. 

OnXX/XX/2020a payment in the amount of {$200.00} was sent to XXXX XXXX. 

On XX/XX/2020 a payment in the amount {$500.00} was sent to ( XXXX Address ) to XXXX. 

On XXXX XXXX 2020 a payment in the amount {$500.00} was sent to ( XXXX Address ) to XXXX. 

I have copies of all the e-mails from Cash App. Most of the consist of " canned '' answers. I've never e-mailed the same person. I always receive a different person. When I asked that my complaint be forwarded to the Fraud Department, Cash App indicated they did that. Still nothing happened. They didn't even investigate the fraud. 

On XX/XX/2020a payment in the amount {$600.00} was sent to ( XXXX Address ) to XXXX. 

My financial institution was able to claw back XXXX of the {$500.00} transactions. Cash App blocked all the rest. 

Cash App will not provide the contact information, Name, Address, telephone number, e-mail or anything. Cash App says to contact the merchant through Cash App. Tried that and nothing happened. 

There was nothing received on my part. I'm betting all the above merchants are the same individual and that individual isn't even in the same location as my self.
Consumer complaint received 2021-02-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (NM)

On or about XX/XX/XXXX square closed my account for to many pre paid credit cards used on the pay system. Fine there where on three transactionsu XXXX XXXX I was informed on XX/XX/XXXX that m jnjby XXXX $ would be held for 18 0 days to ensure that nothing had been Wrong or frauded my 3 transactions. Now I filed a separate complaint on this but was denied so In the response to my complaint it was stated my funds would be Ileased after 180 days of Lockdown. That deadline has come and gone and nothing from square or my money.
Consumer complaint received 2024-08-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

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

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX and list of Inquiries. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX  XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax 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 2024-08-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2021-04-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (MI)

The Cash App keeps claiming that the transfer of {$50.00} out of the app to my XXXX Checking account was declined by XXXX XXXX. I tried to do this transaction three times, XX/XX/XXXX, XXXX, and XXXX. When I contacted XXXX XXXX  they stated that they had not declined any transactions. I have a secure message from XXXX dated XX/XX/XXXX stating that no transactions were declined by XXXX. I will enclose that in this complaint. 
ON Friday XX/XX/XXXX XXXX Cash App email support claimed that my funds were transferred to my debit card which I don't understand. I was sending my funds to my checking account, not a debit card. On the Cash app the banking information is correct for my checking account. Two days later the funds are not transmitted, and the app states it is declined. I have contacted cash app email support but now they no longer respond to my requests to resolve this.
Consumer complaint received 2021-04-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc. (MS)

On XX/XX/2021 a friend of mines sent me XXXX worth of bitcoin roughly {$510.00} in USD. Ive been using bitcoin features on my cash app for a year with no issues receiving or sending so i told him to send it to my cash app wallet address which is ( XXXX ). It suppose to change after every confirmed deposit. My friend confirmed with me with a picture that he sent it to that exact address and it had 3 confirmations. i have not received my bitcoin at all.
Consumer complaint received 2021-04-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (MI)

Our family decided to buy a special/rare breed of an hypoallergenic kitten to the isolated XXXX child in the house during the covid-19 pandemic, so we found a " breeder '' on a XXXX group and he offered a certain price ; he seem to be reliable while sending videos and pictures of the animal, always asking questions about our possibility to raise the kitten in a safe environment, always giving vivid details and constantly mentioning XXXX. Costs started to grow out of control, and every time we refused to send more money, or stop the agreement, through intimidation ( animal endangerment, going to court, etc ... ) the " seller '' would get more and more from us. Shipping confirmation was sent with the promise of a refund in case of no delivery, and we never received neither the kitten nor the refund. He still asks for money ( we already notified the local police, ic3 and our bank about it ). We hope to have our money back after all the stress and trauma caused. Thanks, XXXX XXXX.