davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Block, Inc. (NY)

XX/XX/22 received a CASHAPP XXXX in the mail unsolicited. This is my XXXX one. I have reached out to CASHAPP the other times and they continue to come. I have gotten no where with my previous calls. I asked to speak to a XXXX, and they said they have no control over this, and can not talk to me since I do not have an account. I disagree. CASHAPP/Block sends it to my address, with my name on it. Need to have better oversight. 
I have not activated the cards, and have at least 3 reports to the FTC, and credit warnings activate with credit bureaus. 
Someone tried applying for unemployment benefits over a year ago and I rejected it, since I did not need them. Been working at same company for almost 38 years. 
XXXX  send me cards, and I reported them. 
Someone tried opening accounts from XXXX and XXXX XXXX. Both companies were contacted. I never applied to any of these companies or did business with them ( except XXXX for a couple months when they took over an investment account from XXXX XXXX over 15 years ago ). I did not get anything else from them after reporting. But CASHAPP continues to be a sucker to the scumbags out there trying to take the criminal way out.
Consumer complaint received 2023-09-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I have consistently ensured my payments are made on time, with no instances of being late. It is entirely unacceptable to see late payments noted on my account, and I vehemently request that you promptly correct this mistake. Please take immediate action to rectify my account and guarantee its accurate reflection of my payment history.
Consumer complaint received 2024-06-22
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. (VA)

In accordance with the Fair Credit Reporting Act XXXX  account number XXXX violated my rights. 15 U.S.C. 1681 section 602 A. States that I have a 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. This company has not validate any debt.
Consumer complaint received 2022-08-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (SC)

On XX/XX/XXXX I tried to pay a contractor using our Square Checking account. When I logged in, I noticed that my account was under review and the funds were frozen. I received no email or communication from Square Financial Services so I called them. The rep explained that it appeared fraudulent and after verifying all the information and transactions, they would request the funds to be released. But due to the fact that they were closing in XXXX minutes, it would be the next day. The account was released the next day with no problem. On XX/XX/XXXX, our account was once again frozen and under review. I contacted square again and verified all transactions and was told the release would be done within XXXX minutes. It was not done and as of XX/XX/XXXX the release has not been lifted. I spoke with an agent on XX/XX/XXXX and explained the problem who advised that it could be XXXX business days before the review would take place and the hold released. I explained it was not acceptable as I have to process payroll and pay vendors and as a restaurant, I needed access to my funds. I asked to speak to a manager and was advised that management couldn't expedite the process but could listen to complaints. Once again, I received no notice or way to correct issues until my card started getting declined when I was paying vendors. The process to review accounts and the fact that management can not expedite the process and the fact that customers can not speak to the account review team is absolutely absurd in the financial world. I am requesting a full review of Square Financial Services.
Consumer complaint received 2022-08-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Block, Inc. (NJ)

For at least the 4TH TIME in the past several months, a FRAUDULENT UNAUTHORIZED ACCOUNT has been opened at Square Inc in the name of a member of my household, without our permission ( twice in my name, twice in my wife 's ). 

Square customer support has for the most part been unhelpful in resolving these issues. They ask us to login and close the account ourselves, which we can not do since we didn't open the account and do not have the login credentials. Or they tell us they will investigate, but they do not provide assurance that the accounts will be closed or follow-up to confirm whether or not that has happened. 

They are putting our identity at risk, repeatedly. A fraudster could currently be using one or more bank accounts in our names. 

We have asked them each time to close the fraudulent account, and we have also requested that they stop opening fraudulent accounts in our names. 

This past week, I received another ( THE XXXX ) Square business debit card, in my name and mailed to my address, for an account that I did not open. Each time this has happened, I have reached out to Square and also filed a new complaint with the CFPB in the hopes that they will finally put a stop to this.

Please help us get Square to close these accounts and assure us that they will stop opening these fraudulent accounts in the future.
Consumer complaint received 2024-06-22
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. (GA)

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

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 2022-07-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (RI)

Square payroll deducted {$500.00} from my checking account without my authorization. I have emailed them multiple times asking for reasoning as to why, and they have not responded. They have stolen {$500.00} from my account and will not respond to my emails.
Consumer complaint received 2024-06-22
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. (MI)

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

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 2024-06-22
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. (TN)

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

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 2022-07-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc. (WA)

On XX/XX/XXXX a friend of mine sent me XXXX dollars in bitcoin for my rent and for my daughter 's medication the money has now been taken by cash app and they are refusing to release the funds or even send them back to my friend so he can send them using a more reliable and professional banking provider they originally claimed my money would be available in 24 hours that was a week ago now they are refusing to do anything they are holding my bitcoin to profit off the climb in bitcoins value that is rising rapidly and expected to continue to climb then if they even ever do release my bitcoin it will be at the value it was originally sent at earning them hundreds or even thousands depending on the market its a scam that is threatening my children 's well being and even lives because of their greed and awful ethics
Consumer complaint received 2024-06-22
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)

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint.
Consumer complaint received 2024-06-22
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XX/XX/year>. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Consumer complaint received 2022-07-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (IL)

Cashapp a subsidiary of Square Inc sent me XXXX unsolicited Cashapp debit cards around XX/XX/2022. This is the second time as Square also sent me an unsolicited Square debit card in XXXX. I had complained to Square and looks like no concrete action was taken to protect me from fraud actors who applied fraudulently for cards using my unauthorized personal information. Cashapp has no phone number to reach them nor an online form or customer service email and Square has blocked my number from reaching customer service. This is a violation of consumer rights. I am extremely worried that some fraud is being committed using my personal details and Cashapp is abetting this by not allowing me the ability to call them and register a complaint.
Consumer complaint received 2022-07-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (SC)

There was two attempts on two prior purchases that were denied and then out of nowhere these other two purchases come through and they were approved so I disputed them said it wasnt me ai have know knowledge of it. I didnt do it and theyre playing games cant get an answer out of him whats going on my dispute its been forever I told him I said look used to nine today prior purchases before this one I was your proof this one two of them ones for XXXX yellow ones for {$10.00}
Consumer complaint received 2024-06-22
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. (OH)

I accessed a copy of my credit report from your bureau and found several discrepancies and inaccuracies that have a significant impact on my creditworthiness and financial reputation. These errors include XXXX Account Number : XXXX Reason : Under 15 U.S. Code 1681n - Civil liability for willful noncompliance Instruction : This is a violation of my consumer rights, please delete immediately I am writing to bring to your attention a violation of the Fair Credit Reporting Act ( FCRA ) that I believe your organization has committed. Under 15 U.S. Code 1681n, individuals have rights to compensation for willful noncompliance by credit reporting agencies
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (FL)

Good day XXXX XXXX XXXX XXXX XXXX XXXX XXXX ct XXXX FL XXXX XXXX Last XXXX ss # XXXX I recently looked at my credit reports and I noticed you are reporting some late payments that are NOT accurate and I would like you to update these late payments to ON TIME PAID AS AGREED. I have listed the account name and account number below along with that date you are reporting late, and those dates need to be changed to PAID AS AGREED. 
Account name : XXXX XXXX XXXXXXXX Dates reporting NOT Accurate : XX/XX/year> Please fix this immediately as it is hurting my chances of buying a new home and IAM XXXX yrs old XXXX have NEVER missed a PAYMENT EVER! these late payments are NOT Accurate. Thanks for your help,
Consumer complaint received 2024-06-22
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. (FL)

It has been brought to my attention that you are not removing files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not remove the account listed below which are reporting inaccurately due to incorrect credit information, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove the account as it is incorrect credit report entries & was opened without my consent or knowledge : XXXX XXXX* Balance : {$0.00}. If you claim this account is 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account that bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 4 business days to remove the reporting of any items in my credit file that resulted from an incorrect credit information. I do not consent to E-OSCAR or any means of automated verification. I acknowledge your immediate attention to this matter and response within 4 business days.
Consumer complaint received 2022-07-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (TX)

On XX/XX/2022 my account was hit by a company named XXXX  a total of 8 times in total for {$350.00}. These were unauthorized transactions. They were as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have tried to contact XXXX and have received only one response from them asking the last 4 of my card number which I gave them with no response. I emailed them again trying to follow up with them with no response. 
I also tried to contact Cashapp while the transactions were still pending and not completed and they told me they could not help me until they were completed. I contacted Cashapp again once the transactions were completed and filed disputes on these transactions and was told that there was no error made and they could not help me. Now Cashapp has canceled my Cash Card 3 different times for some unknown reason making it to where I can not access what money I do have in my account and they can not give me a reason as to why they are doing this. I have contacted support through the app and have called support with no help on this matter.
Consumer complaint received 2022-07-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (NC)

My phone was stolen and sim card was removed, my phone was found and get on it an cash app ( which I was get direct deposit from my to cash app ) my money was gone an send out. I reported my cash app card stolen and they cancelled card send me a new card and as soon as I activate new card ( cerebral ) which I wasn't sigh up for take XXXX dollar out of my account on a new card lol cash app has did nothing they haven't blocked not one place I've ask them to that trying or has took money out with out my authorization authorization
Consumer complaint received 2024-06-22
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. (OH)

I, XXXX XXXX, am acting on my own as a natural person and consumer. There is information on my consumer report that is a result of identity theft. Per 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 the alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. These companies DO NOT have lawful authority to report these items as it's in VIOLATION of my privacy and these companies are required to have tax documents on file stating they charged items off. Please delete these items listed below IMMEDIATELY! 
XXXX XXXX XXXX ADDRESSES XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX | XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX | XXXX XXXX XXXX XXXX, OH XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These identified accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under 15 U.S Code 1681b - Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my behalf or consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. You are required to do what I am asking of you and delete these accounts listed above. I look forward to your response. Thank you, XXXX XXXX XXXX . UCC 1-308