davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-15
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Block, Inc. (TX)

The company limits support to chat and has turned off customer service phone lines. They will not provide elaborated or specific information regarding requests Ive made. Often they do not answer the question Ive asked at all. I am unable to escalate the issues or receive any additional following when requested. The treatment by the employees is discriminatory and targeted because of how I chat and how quickly I respond.
Consumer complaint received 2024-09-19
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)

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.

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-09-18
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. (NY)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM XXXX
Consumer complaint received 2024-09-19
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. (TX)

I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.
Consumer complaint received 2022-04-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (NC)

I began using Square as a payment processor for my online business and a few hours later, I received a few online orders and shortly after received an email from Square saying they were holding the funds until they received some additional information. I submitted all of the requested documents and information and received another email saying they needed more. Submitted that and about an hour later received an email saying that they were deactivating my account and that they would be holding the payments for 90 DAYS. I was provided no reason as to why the account was closed. At this point, I want nothing to do with this company so I do not want the account reactivated however, I need the almost {$2000.00} that I made and this company is holding. This is absolutely ridiculous that so many people have dealt with this same issue with this company and they are still getting away with this. There are thousands of complaints of situations just like mine that I have found on the internet while dealing with this with this company. As a small business, especially during these times, this has put me in a financial disaster and I am unable to run my business. Customer service is no help, I have reached out multiple times via chat, email, and phone over the past 2 weeks between 5-10+ times. There is no valid reason for the deactivation or holding of the funds. I have not received any chargebacks from customers, I provided all of the additional requested information, and I do not sell any of the prohibited items listed in the Square terms. I do not have 90 days to wait for my funds when this is my livelihood. A complaint was filed with the XXXX and a resolution was not reached.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

I am writing with the utmost urgency to demand immediate action regarding the fraudulent account and erroneous information unlawfully reported on my credit file. As a victim of identity theft, it is imperative that this situation is promptly rectified. I insist that you take the following actions forthwith : Expunge all fraudulent accounts from my credit report.

Provide written confirmation that these items have been removed.

Conduct a comprehensive investigation into how these accounts were erroneously reported. 
Ensure that all future credit reports reflect accurate information and are devoid of any fraudulent activity. 



XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc. (PA)

I am a pastor of the church, XXXX XXXX XXXX XXXX, a 501 ( c ) ( 3 ) nonprofit organization that receives donations through Cash App. Cash App aka Square Inc. has for the past two years reported income received from the church as if I received I personally. I recently received a notice that I personally owe over $ XXXX in taxes ( penalties to be assessed later ) on income I never received. I have tried for weeks to speak with someone at Cash App but they will only communicate via email. Bottom line is after begging to be routed to a supervisor who understands and read XXXX, writing to XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX and providing documents proving that I did not receive this money from Cash App and uploading the same documents to a secure portal, and being told that a revised 1099 was uploaded to the Cash App portal ( it has not ), I have not received any resolution. I have been forced to file an extension with the IRS, hire an accountant and now I am searching for a tax attorney all because Cash App erroneously issued 1099s to me personally for income that was received by a tax exempt organization. All they have to do now is issued corrected 1099-Ks for XXXX and XXXX but they refuse to do it and because I am dealing with people who do not live in the US and have no idea what a 1099-K is, they won't address my issue. I have filed two previous CFPB complaints and Cash App claims they can not find my account, even though I provided detailed information and via email they have acknowledged they know exactly who I am. Here it is again : XXXX XXXX XXXX XXXX XXXX XXXX Cash App $ XXXX Address XXXX XXXX XXXX, XXXX, PA XXXX I have uploaded documentation proof to your secure portal as requested under CASE NUMBER XXXX and have received no response. I am now uploading those same documents here - this is irrefutable proof that the money was received by the tax exempt organization, not by me personally. Please provide a resolution and correct your tax reporting.
Consumer complaint received 2024-07-25
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: EQUIFAX, INC. (KS)

To Whom It May Concern, Subject : New Complaint and Evidence** This is not a duplicate complaint. 

I, XXXX XXXX, disputed and called the creditor to demand the closure of the following account well before this creditor was allowed to update my credit report on XX/XX/XXXX, including on XXXX, XXXX, XXXX and XXXX XXXX XXXX Fraud Protection Dept Case id XXXX # XXXX Case id XXXX  # XXXX. 

I have discovered new information indicating that this creditor pulled my credit at least XXXX times without my consent, significantly lowering my score. Additionally, there are discrepancies regarding the account status. This account was " closed by the consumer '' due to fraud, not by the grantor. An identity theft report has been filed naming this creditor. 

This account needs to be deleted, and my scores need to be raised to the XXXX. 

Account Details : - Creditor : XXXX XXXX - Account Number : XXXX - Opened : XX/XX/XXXX Sincerely, XXXX XXXX
Consumer complaint received 2022-04-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (ND)

Square intentionally seized the funds from transactions. They want to verify my identity after taking the money and not before. They sent me multiple emails claiming the account was ready to use a deceived me asking to verify my identity and bank account only after accepting the money and without my consent or knowledge because that would require them to have verified my identity and bank before accepting the money. They told me it takes two business days to do that. They rejected verifying the account information after submitting it. I resubmitted the same documents because my identity nor my bank 's identity have not changed. In two business days they did not release the money. They stated on the phone that it was because I submitted my tax return a day later because they had not responded and I had to wait another two business days. It has been two more business days since submitting any documents to them and they still have not released the illegally seized funds. They claim I need to request a refund as a consumer to have the funds as a business. I even tried sending receipts and no receipts are being received. I called today and now their number XXXX states my phone number is not registered to an account, won't transfer me to anyone, and hangs up the call. I can't even find where a phone number would be to update one in the account settings and I haven't changed it in a week. They accepted my call last week, but not this week. The automated system just disconnects the call. They also want me to verify billing. Its my business ; I sent myself money. I'm not billing myself. And my business is accounting and I specifically work in tax accounting. Client information is confidential and attorney client privileged. The only thing stored that isn't confidential is a draft contract for engagement and I don't even store mine with my information in it, because its my business and I don't have to.
Consumer complaint received 2022-04-08
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc. (TX)

On XX/XX/2022 XXXX incorrectly used my cash app debit card at the XXXX XXXX in the amount of {$490.00}. Five ( 5 ) minutes later after provided the correct credit card the XXXX XXXX reversed the charges back to my cash app. 
As of today both me and the XXXX XXXX have shown a ZERO balance due. However Cash App have not provided a refund/credit to my account. I have reached out to Cash App customer service 7 times with no avail. I need your assistance in obtaining the timing of my refund/credit.
Consumer complaint received 2024-09-18
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. (OR)

I am disputing the following account that still appears on my credit report, even after your initial investigation. I request that this item be re-investigated immediately. The inaccuracies are causing significant harm to my credit score. 
Account Name XXXX XXXX XXXX XXXX Account Number : XXXX By the Fair Credit Reporting Act ( FCRA ), Public Law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified this information so I may follow up.

Please send me an updated copy of my credit report after your investigation.
Consumer complaint received 2024-07-25
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: EQUIFAX, INC. (KS)

To Whom It May Concern, Subject : New Complaint and Evidence** This is not a duplicate complaint. 

I, XXXX XXXX, disputed and called the creditor to demand the closure of the following account well before this creditor was allowed to update my credit report on XX/XX/XXXX, including on XXXX, XXXX, XXXX and XXXX XXXX XXXX Fraud XXXX XXXX XXXX id XXXX # XXXX Case id XXXX  # XXXX. 

I have discovered new information indicating that this creditor pulled my credit at least 30 times without my consent, significantly lowering my score. Additionally, there are discrepancies regarding the account status. This account was " closed by the consumer '' due to fraud, not by the grantor. An identity theft report has been filed naming this creditor. 

This account needs to be deleted, and my scores need to be raised to the XXXX. 

Account Details : - Creditor : XXXX XXXX - Account Number : XXXX - Opened : XX/XX/XXXX Sincerely, XXXX XXXX
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AL)

XXXX the amount of XXXX, I called the bureaus and sent the letter with the information. I never received a letter or a callback. 
XXXX the amount of XXXX, I called the bureaus and sent the letter with the information. I never received a letter or a callback. 
XXXX the amount of XXXX, I called the bureaus and sent the letter with the information. I never received a letter or a callback. 
XXXX the amount of XXXX, I called the bureaus and sent the letter with the information. I never received a letter or a callback. 
XXXX the amount of XXXX, I called the bureaus and sent the letter with the information. I never received a letter or a callback. 
XXXX the amount of XXXX, I called the bureaus and sent the letter with the information. I never received a letter or a callback. 
XXXX the amount of XXXX, I called the bureaus and sent the letter with the information. I never received a letter or a callback. 
XXXX the amount of XXXX, I called the bureaus and sent the letter with the information. I never received a letter or a callback. 
XXXX the amount of XXXX, I called the bureaus and sent the letter with the information. I never received a letter or a callback.
Consumer complaint received 2022-04-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc. (OH)

first time using they keep saying i havevanother account hardly know about cash app i have children grands I used a cash app card on XX/XX/22, it took 2 hours to get .monies then they took monies when i transferred to banki had no clue about, XX/XX/22 today niece sent monies to me and {$25.00} at XXXX XXXX havent received it, phone # is a Message # which hangs up after message, but its 24/7 they say. but i was trying to get help they say they call and she did and said i cant help u i need phone number or email she would not use email she kept asking for cell number i have a landline which tney can still verify, she refuse to use email, and after 40 mins she hung up. So i need to pay a bill tomorrow too late and its another fee, in senior, fixed income and cant pay my bill.very sad i have been scammed looks like the $ is supposed to be ready as soon as its sent it was not! .omg im tired of this i have landline & email i do not want to be forced to use a cell phone. 


.
Consumer complaint received 2022-04-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (WA)

On XXXX, I conducted a transaction using Cash App. I mistakenly sent {$200.00} to the incorrect recipient whom I do not know. A few hours later I contacted Cash App and I was advised they will not reverse the transaction. The person receiving my money has not returned the money and cash app will not contact them or reverse the transaction. Cash app is allowing it users to steal and also commit wire fraud. The recipient knowingly received funds that do not belong to them. Customer service representatives will not provide an address for their corporate offices or the address where service is accepted by their attorneys/legal team. I was advised by customer service they do not have a mailing address. I would like the transaction reversed and my money returned to me by Cash App which currently has thousands of complaints and are under investigation regarding their policies with number government agencies.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX  XX/XX/year> XXXX XX/XX/year>
Consumer complaint received 2022-04-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Block, Inc. (GA)

I recently lost everything I owned. This fact also means any communication methods including computer or mobile device like my former cell phone I no longer posses. I can not login to an account with the email address of my personal reference source to allow me a method of communication for personal private social or business events. My former email address I selected for business use XXXX I can no longer use. I can not because the cellphone I used it own is destroyed and methodology to validate account ownership is entirely associated with this phone 's cell phone number through email address associated. Cash App format is difficult for my comprehension because website on computer efforts is very strange to me. I do not understand how the process or formulation from the outside may produce result like adding money then transfering into individual accounts on the App until procceses are completed. Also I need need password
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-09-18
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. (FL)

Consumer Name : 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 a personal credit card account 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 US 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 2022-01-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (NV)

My cash app user name is : $ XXXX My phone was stolen earlier this month ( XXXX ) and I filed a formal police report, I was able to recover my phone and once I did, I noticed several funds missing from my cash app account. I then reviewed the itemized transactions and I noticed that I same individual that stole my phone ( XXXX XXXX ) was listed on several of my cash app transactions along with another individual that I don't know named ( XXXX XXXX ) my phone was used to iniate funds transfers from my cash app account to XXXX XXXX and XXXX XXXX for a grand total of {$2100.00} my account was almost completely wiped out. I immediately filed a police report and contacted cash app with the confidence that they would investigate the matter and issue my funds back to me, and per federal guidelines provide a provisional credit for the funds while the investigation is ongoing. I have not been contacted by cash app requesting any further info from me, they haven't asked for a police report number or anything whatsoever. I'm not sure how they can possibly conduct an investigation with very little information. If that's the only info they want to conduct an investigation then it's virtually impossible to not approve my claim and resolve it in my favor because any other outcome besides that would advise me that no investigation could have possibly been conducted and I would hate to find out that they just deny most claims without any type of investigation. I demand some answers, I request and demand a provisional credit while the investigation is in process. I've also submitted an affidavit stating that I had nothing to do with these funds leaving my account and these transactions were completely unauthorized.