davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-22
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)

Hello, my name is XXXX XXXX. I had an account with Square, which provided a POS for my website XXXX. I resell shoes and apparel, a " customer " orders an item and once they received their tracking decided to report fraud to their financial institution. I filed all of the requested information per Square 's request and they still shut my account down with no explanation aside from stating we do not conduct business with you and we do not fit your business needs. They shut my account down I also had several orders being processed during that time. Square went into my account pulled the funds while over drafting the account. While freezing the funds from my other orders, doing so has caused me a great deal of stress and further hardship. I was informed by the customer that caused this issue in the first place that they had received their order and they would be contacting their bank. I haven't heard anything nor have I received my money from that order. I documented the communication of the correspondence via email. Since then I have communicated to my other customers pertaining to the delay in orders and I'm offering a refund once I receive the return of funds to my company that Square is currently holding. I am being punished for things out of my control. Today I received another complaint pertaining to another fraud alert for an order that square is currently holding the funds for and they want me to fill out that document as well. I'm not really sure what to do now aside from contacting an attorney. 

Thank you
Consumer complaint received 2022-02-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc. (CO)

I re-downloaded Cash App today ( XX/XX/22 ) to be able to make an urgent payment of {$100.00} to my sister. I had an account previously, but it is very difficult to re-log into an existing account because of how the app is set up. ( My phone number and bank had changed, but I still knew my email, log-in ID and password to the original account. Didnt matter, I had to crate a new one. No option to even click log on on the screen when you download the app. ) So I created a new account, plugged in my information and bank account, added in my sisters information, and tried to sent her money over the app. It went through but was immediately cancelled : Money was pulled out of my account but never made it to her. The money was not immediately returned either : I received a notification that said I would be refunded on Wednesday ( XX/XX/22 ). 

Now I have no way of making a payment that was urgent because now neither of us have the money. I was given no warning that payments may be cancelled. I was given no reason for why payments pay me cancelled. All of the cash send/receive apps I have used previously explain to the customer similar exceptions BEFORE the customer tries to send or receive money. This was not the case with CashApp. 

When I opened the customer support chat on the app, I was given copy & paste customer service answers. I was unable to get any specifics on why this transaction was cancelled ( for example : was this automatic because of my new account? I dont know. ) The support chat person told me that I am free to send and receive money now, but again, was unable to get any specifics on how I How I would know that the same error wouldnt occur again and I wouldnt be losing my money for several days again. 

I didnt get any specifics over chat or through reading through the user agreement. Finally, I tried to call the customer support number but the number is out of commission. Its a simple recoding that redirects you back to chat with a support person on the app. It is impossible to actually reach a person through this phone number, yet the company is advertising as if it has a real customer support option when it does not.
Consumer complaint received 2022-02-22
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. (TX)

I have a Cash App account. Yesterday I noticed there were two unauthorized electronic funds transfers/ach out of my account. Each transaction was for {$10.00} from XXXX XXXX. I have never done business with a XXXX XXXX. I search for which merchant it could be and a I could find was XXXX XXXX, which is a gym. XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX  since I had surgery several weeks ago. So I have no way to go to a gym. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I didnt authorize any transaction to XXXX XXXX. The company told me they will keep taking out of my checking account and theres a huge annual fee to be taken out via electronic funds transfer. I never authorized this or did business with XXXX XXXX. When I contacted cash app they refused to help me. They said I have to deal with XXXX XXXX. Problem is that when I give XXXX XXXX my name and date of birth they have no member with my name, so they cant help me. This is even more proof that Im the victim of an unauthorized electronic funds transfer. Cash App is violating federal law by refusing to address the unauthorized ach. They wont even let me fill out a form, nor will they block XXXX XXXXXXXX from future unauthorized debits.
Consumer complaint received 2022-02-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (TN)

My Cash App issued debit card was charged {$350.00} on XX/XX/XXXX at XXXX. I initiated my dispute on XX/XX/XXXX where XXXX or XXXX ( two names were on that single email but both Cash App employees ) emailed saying the investigation was underway and that my card was blocked and for me to get a new one. I didnt hear anything for a month ( when I was suppose to be updated or given a credit after 10 days ) so I asked for a update on XX/XX/XXXX and XXXX stated they had 45 days from XX/XX/XXXX & that XX/XX/XXXX was only day 37, still no credit. I reached out again on XX/XX/XXXX since thats 45 calendar days from XX/XX/XXXX and a lady on the phone said I had to wait until the following Thursday ( XX/XX/XXXX, today ) since the holidays wouldnt count towards the 45 days although XXXX had clearly counted them. I reached out today and XXXX provided me the same generic message saying my dispute was escalated and someone will reach out. I am tired of waiting on my money.
Consumer complaint received 2024-09-06
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: Experian Information Solutions Inc. (FL)

I am writing to urgently inform you that I have been a victim of identity theft, resulting in several fraudulent entries on my credit report. These XXXX unauthorized accounts and XXXX inquiries were added without my knowledge or consent, and require immediate attention. 

ACCOUNTS - XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX  XXXX XXXX XXXX INQUIRIES - XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXXXXXX XX/XX/XXXX - XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX- XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX  XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX- XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX  XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I have filed an official identity theft report with the Federal Trade Commission ( FTC ) and demand the immediate removal of these fraudulent items to restore the accuracy and integrity of my credit report.
Consumer complaint received 2022-01-25
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. (MO)

I attempted to purchase fuel for my vehicle on XX/XX/2021 at XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ) using my CashApp card. Between these XXXX entities, the remaining balance on my card was drained, and I was unable to get any fuel at all. 
I spoke with the manager at the station, who said that the funds would be sent back to my card within XXXX days. 
I brought this up with CashApp who stated that they would open a case regarding this issue. Case number XXXX ( also : ref : XXXX : ref ) was issued to me XX/XX/2021. 
On XX/XX/2021, I was told that " We have received your dispute and filed a claim with the card network. As updates become available, we will keep you informed. 
Please note, the card network provides the merchant up to XXXX calendar days to review and resolve your claim. '' by support agent XXXX. 
I have yet to receive ANY form of update from CashApp to this point. Every attempt to seek further info ends up in a never-ending cycle of being transferred from XXXX rep to another and never getting anywhere.
Consumer complaint received 2022-01-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (NY)

On XX/XX/XXXX I sent an {$800.00} payment to a friends account on Cash App. Unfortunately it had been a few years since she used Cash App, and when she re downloaded the app she was unable to log in to the account I had sent the money to. She contacted support through the app and exchanged messages with over 10 robotic-seeming customer service advocates who kept asking her to prove her identity, which she did, but then was told information was incorrect or missing without explanation when it was not. On XXXX XX/XX/XXXX I began to contact Cash App in-app support for help refunding my money, since my friend was not gaining access to the account. I was shuffled between 8 different advocates who kept repeating the same thing, that they could not help me, and ignoring the content of my messages until finally my complaint was escalated to email support. Finally on XX/XX/XXXX a cash app support manager named XXXX emailed me saying he could not refund the payment and could only work with my friend, the recipient. I added my friend to this email exchange and she gave him a detailed account of her history trying to gain access to the account. He responded that a specialist reviewed her account and determined that they could not help her gain access to her account or the {$800.00} that I sent her and he was unable to provide further information for this particular case. A complete dead end which has left my {$800.00} locked in Cash Apps investment funds and myself unable to get refunded for this. For a company that made {$5.00} BILLION in profits in XXXX the complete lack of support is truly criminal. The support number just hangs up after an automated message saying none of the advocates are available to help, and to use in in-app support. It should not be this hard to reverse a payment, particularly when no one has received it by officially accepting the funds. 

It also should not be this hard to verify my recipients identity, to transfer the balance between her old and new accounts or to grant her access to her old account. Any reputable banking system would have been able to provide support to fix this immediately the day after it happened back in XXXX.
Consumer complaint received 2022-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Block, Inc. (TX)

On XX/XX/XXXX Square Capital LLC conducted a hard inquiry against my credit history via XXXX. I have no business, nor ever had business, with Square Capital LLC and immediately notified Square Capital LLC on XX/XX/XXXX requesting details regarding their hard inquiry. They would not provide any details regarding the inquiry. I opened a case with them for details on the query against my credit history and indicated it could be fraud. Despite XXXX ( XXXX ) follow-up emails and phone calls to Square Capital LLC no onXXXX will provide me any details nor will they remove the hard inquiry from my credit history.
Consumer complaint received 2022-01-14
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Overcharged for a purchase or transfer you did make with the card
Company: Block, Inc. (CT)

On XX/XX/XXXX XXXX refunded my cash app {$230.00} for a order I didnt receive. On my refunded receipt it clearly stated dont worry about returning the item. On XX/XX/XXXX cash app allowed XXXX to debit my account and put it in a negative status. I attached the receipt from XXXX to cash app showing what XXXX stated dont worrying about returning the item. My account with cash app is still In the negative.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TN)

I am filing this report pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ).

After carefully reviewing my credit report, I have discovered several accounts and notations that do not belong to me or are otherwise inaccurate. 

XXXX XXXXXXXX XXXX XXXXXXXX {$280.00} Account was not proven how it was verified please delete. Not mine no knowledge XXXX XXXX XXXX {$1500.00} Account was not proven how it was verified please delete. Not mine no knowledge XXXX XXXX XXXX {$630.00} Account was not proven how it was verified please delete. Not Mine No knowledge XXXX {$200.00} Never Late XXXX  XXXX XXXX {$1600.00} Never Late XXXX  XXXX XXXX {$1600.00} Never Late XXXX XXXX XXXX XXXX- {$800.00} Never Late These inaccuracies are a violation of my rights under the FCRA, which ensures that consumer reports must be accurate, complete XXXX and verifiable. I have also filed an official complaint with the Federal Trade Commission ( FTC ), a copy of which is attached for reference.I am requesting an immediate investigation and correction of these errors, as well as written confirmation that these items have been addressed.
Consumer complaint received 2024-10-25
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CAINE & WEINER COMPANY, INC. (ND)

When I picked up, the man calling from Caine and Weiner said that he gave me a little extra time ( to have the money I said Id have in about a month ) implying that he expected a payment today. I told him I dont have it because stuff keeps coming up and its hard to get by. He replied with well this is one of those things coming up we can do a partial payment when I told him I couldnt again, he kept insisting I pay even a small amount. He asked me when I would have the money for it and I told him I get paid on the XXXX of each month to which he replied so you got paid 5 days ago and youre all broke already all I could reply with was a quick yep then he asked what are you gon na do for the rest of the month then I said I dont know, then we sat in silence for a moment and he said thanks for your time in an annoyed sounding voice and I hung up on him.
Consumer complaint received 2022-01-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (OH)

I executed a deposit transaction into my Square account on XX/XX/2021. On XX/XX/2021 I was notified my account was locked and I would have to wait 180 days, but no less than 150 days, for access to the funds. It has been over 180 days and my funds are still locked. The company has made no attempts to allow me access to my money. I just simply want to retrieve the money I was paid and is still locked in the account. 
XXXX XXXX
Consumer complaint received 2022-03-22
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (MS)

I was scammed out of XXXX dollars by someone XXXX dont know and they took XXXX dollars out my account. I contact cashapp because the funds was pulled out of my linked bank account, they said they arent capable of doing anything about it. So I contact my bank to dispute it, they successfully do it and gives me a provisional credit while it was in the works, fast forward to yesterday cashapp wasnt pleased that my bank said it was wrong about the transaction and demanded the money back so cash app tried to pull the money from my link card without my knowledge. So since they couldnt do that, they charged my cashapp accountXXXX  saying I owe them after I sought for help and everything. Bad business and they are protecting the scammer instead of the person who lost their money more so. Please help. I also was getting paid by dXXXX XXXX dollars and it absorbed my money that was 3 hours of work gone from me towards this account.
Consumer complaint received 2022-02-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Block, Inc. (OR)

To pay a contractor, I transferred {$2500.00} from my bank account to XXXX, and send the {$2500.00} to contractor. Then I transferred another {$2500.00} from my bank account to XXXX, and XXXX  didnt let me send it, saying {$7500.00} send limit reached. 
I contacted the customer service, which is only available over chat. They said my loading cash to app frol bank account counts as send limit. I asked them to reverse the transfer, they said they can do it free as a standard transfer and app shows get my money next Wednesday, 5 days later. If I transfer instantly, they charge {$37.00} fee. 
- XXXX is misrepresenting send limits, and counts incoming cash load as send limits, then uses customers money for 7 days, when send limit resets, XXXX uses the money with no interest bearing for the benefit of the customer. 
- If customer needs to get out of this lock, and wants the cash back into their bank account. XXXX  penalizes the customer by charging them a fee for getting the money back to customer account instantly, or forcing the customer keep the money at XXXX custody for 5 days, freeloading on the customers balance, and making customers money working for XXXX company, with no benefit to customer. 

I press charges for XXXX  misrepresentations, fraudulent practices.
Consumer complaint received 2022-02-16
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Block, Inc. (MS)

I had an old account and I would like to close that account and get whatever is left on there. I tried the support center but they couldn't help me. I would like to keep my current account but close and get any money I may have left on there. I know it's {$200.00} on there for sure.
Consumer complaint received 2022-02-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (CA)

On XX/XX/2021 - I purchased XXXX videos from a XXXX User and I paid for those videos via Cash App. The reddit user never provided the videos. 

On XX/XX/2021 - I requested a refund of the purchase directly from the user via Cash app and the user declined the refund. I On XX/XX/2021 - I reached out to Cash app support and they told me there was nothing they could do. 

Cash app seemingly exists solely to facilitate transfers of money as a part of fraud.
Consumer complaint received 2024-09-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (CA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2022-02-14
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Block, Inc. (KS)

On XX/XX/XXXX I received an unsolicited Cash App card in the mail. This card is drawn on XXXX XXXX out of Ohio. After trying to reach both XXXX XXXX  and Cash App, with no success, I opened a complaint with XXXX. I received a response from Square Inc on XX/XX/XXXX telling me the they permanently disabled the Cash App account and Cash Card associated with my personal information. 

Almost a year later, on XX/XX/XXXX, I received yet another Cash App card in the mail that I did not request. I was under the impression they had flagged my information to prevent this.
Consumer complaint received 2022-02-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: Block, Inc. (PA)

I did online transfer from my XXXX account to my cash app account which is linked to my XXXX account the money was debited out of my XXXX account immediately on Friday the money never hit cash app I was calling to dispute this with cash app Cash App has not given me any information or provided substantial accuracy for the transaction cash app is the umbrella company of square and which Ive also contacted they advised me that they dont have any affiliation with cash apps transactions cash app also uses XXXX XXXX in which they provide cash app a a checking account routing number and account number and I sense tried to contact XXXX XXXX  and I read the fine print below setting bank XXXXXXXX XXXX noted that they do not handle any cash app accounts for any type of missing transactions or any M accuracy and direct deposits or any further transactions etc. my money is just up in the air with cash app cash app is a scam they are not a real bank and they handles people money and I dont think they should be involved with any type of handling of peoples money and using falsified information claiming that they are under setting bank and setting bank does not have any affiliation or anything to do with Cash App accounts when they do provide a routing number and checking account number for Cash App customers for direct deposit please if someone can contact me further so I can further explain this information I have extensive proof that money was debited out of my account to cash app I also have the proof that XXXX XXXX does not deal with any cash app accounts when they do provide cash app with routing number and checking account numbers and when money is saved to a cash app account it automatically goes to XXXX XXXX so I dont understand why there is no affiliation this should be a matter address for all parties that use cash app and I feel like cash app should not exist or handle anybodys money.