davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-21
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to send money to another person
Company: Block, Inc. (NY)

Yes this is a complaint against cash at by square, I have a cash app card The last 4 is XXXX, and on this card I locked it then I ordered me a person green card I was charged {$5.00} and some odd cents for this card by cash out by square, when it came to activate this new card cash app wouldn't allow me to activated. 

Then I've been writing customer service, too fix this problem, Cash up a taxi for front and back copy of my identification state of New York a my bank statement in according with my bang I sent it to them with all transactions in the balance of my money blacked out except my home address and the last four digits of my account number because my bank XXXX XXXX Does not Trust cash it but it's square or Square, Because four reasons that a lot of there customers was complaining about this to Cash App by Square. Due to the fact that cash app has been hacked on numerous occasions that I agree with my bank and a friend of mine 's that works for New York State Department of Motor Vehicle better known as DMV, Said I shouldn't send them my front and back of my driver 's license because this is help if of identity get started especially a company called Cash App by Square. 

All I'm trying to do please get my new cash app card activated and have no more problems with these people at Cash App. Now they're asking me to send it again from the back of my identification and bank statement. Which I said to them 1 2 3 I believe up to five times and they avoided and they still playing their little games then they gave me a number to call I called the number and they we're mad because they've been sending a lot of people to call their number and they're the people that handle the transactions of transferring the monies and all this they complain about how cash at by square likes to beat around the bush and play their games with their customers and given their this company 's telephone number out what they have nothing to do with cash out all they do is have them the transfers. 

I wish you guys could access my chat but I'd be more than happy to screenshot them and attach it when I hear something back from you guys all I want is my card activated or my money that they're kidnapping or stealing sent out to my bank card that's on file. 

I would like to thank you for your time and I tindly wait for your response. 


XXXX and XXXX, XXXX XXXX XXXX
Consumer complaint received 2022-01-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (GA)

My name is XXXX XXXX, on XXXX XXXX, the Georgia Department of XXXX XXXX deposited over XXXX to a cash app card I had for the entire month of XX/XX/2021 that ended in XXXX, I am not talking about that card that ends in XXXX that they said I was in violation of. ( they closed that one ) Georgia XXXX XXXX XXXX has did a through investigation for that money and it has not been returned to them so they can re-send it to me, that money was put on a closed cash app card in fact I lost that card and that is how I got the card ending in XXXX which they closed. my cash app account number ended XXXX and routing # XXXX and the last four of the cash card itself was XXXX that the XXXX was deposited on. I have been back and forth with them and getting no -where and it appears that no-one comprehends what I am saying as they all ask the same questions over and over again I have 13 emails with the same questions to them and 13 reply 's identical from them, in fact Cashapp wants to harbor on that card they closed ending in XXXX. The card my money went on ended in XXXX, I called cash app I sent a letter to cash app and I have gotten no-where I am in a pandemic still and I can use my money. PLease assist me with this matter, I have read so many horrible reviews on others experience and how cash has taken thousands from them, I do not want to be another statistic.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2024-10-03
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. (AZ)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and XXXX XXXX that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2024-10-03
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. (IL)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and XXXX XXXX  that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2022-01-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc. (NV)

Met a person through reddit who agreed to sell me a game console and games. We agreed to use cashapp as the money transferring service. Upon sending the funds, the person ghosted me and never sent tracking, shipped anything out, refunded me ect. I've contacted cashapp multiple times about the issue in an attempt to get my money refunded. Everytime they give me the same generic excuse. I try to show them info that shows the person in question ghosting me and they say they " don't need that info ''. How can you run a money transfer service and offer no help in regards to getting a persons money back? If the transaction was made on your site and I have proof to show that nothing was received on my end, why would you not investigate the situation in an attempt to retrieve my funds? I marked the transaction as a scam and put in a request to receive my money back. When I called cashapp on the phone to get an idea of how that process works and what exactly they do in order to retrieve the funds, they made it sound as if they had no actual intention of trying to do so. In which case, why include a message stating that your looking into getting my money back upon filing for a refund on the item if that's not actually the intention? 

As for dates and times, I initiated the transaction on XX/XX/XXXX. The person was supposed to ship on XX/XX/XXXX. After 2 days of no response, I contact cashapp through chat on XX/XX/XXXX. As stated above, they were no help. Called them as well on either XX/XX/XXXX or XX/XX/XXXX which as I stated above, also amounted to nothing. 

The amount in question is for {$95.00} total. 

I included screen shots of the conversation with the person as well as my final message to him on the XXXX which he still hasn't replied to. Also showcased his last activity on reddit which was 8 days ago, the same day I sent him the money. This person ran off the second they got paid =/ Included pics as well of my cashapp account " XXXX XXXX' as well as the thiefs cashapp " $ XXXX '' Also showed the refund request which will supposedly be responded to by XX/XX/XXXX but you've already told me on the phone that those are mainly to flag scammers and don't actually help much in getting the money back so not sure what good waiting till that day would do me
Consumer complaint received 2022-01-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (OH)

On about XX/XX/21, I received a debit card in the mail for XXXX. I never opened an account with them, nor do I have an app, yet I received the card. I sent an email to them and they notified me that the account was closed and an alert was placed. I then received a card in the mail on XX/XX/21 from XXXX XXXX. I do have the Cash App downloaded and I use it, but I never requested a card. I have contacted them but am waiting for them to call me back.
Consumer complaint received 2024-08-02
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. (IN)

I have reviewed my Consumer credit report and I have noticed it states I was late that I haven't been late for the consumer report agencies has assumed a vital role have a responsibility to report consumer information to the best of their ability. Please investigate and provide proof if nothing can be provided I demand that it is updated to paid as agreed on. Date XX/XX/year>
Consumer complaint received 2022-03-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (CA)

I was using cash app to send a payment to someone and the kept canceling my transaction when I asked them why they gave me some scripted spiel that really didn't pertain and when I check my account that payment was originating from it didn't show the transaction canceled or the money back in my account now every other time they cancelled the transaction the money was reflected back in my account instantly but this last time it didn't when I told cash app of the miscommunication they gave me some scripted spill again and so then I waited to just verify that nothing had changed on my account and and it didn't so I let them know again that I never received the money back my bank has no record of the canceled transaction that the payment was sent through and they kept saying the same thing over and over they're just basically defrauding me
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

I did not authorize anyone employed by these companies to make any inquiries or view my credit report. 
This violation of the FAIR CREDIT REPORTING Act Section 1681b and a serious breach of my privacy rights.
Consumer complaint received 2024-10-03
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. (FL)

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 name : XXXX XXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, has violated my rights. 

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 informationisinaccurate. 
Please remove these Inquiries from my credit report. 
These inquiriesarelisted : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-02-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc. (VA)

I have been using a mobile payment service known as cash app. Monday XX/XX/2022 I was charged {$690.00} at a XXXX in XXXX I have never been to while still in possesion of my cash app debit card I cancelled the card and ordered another one thinking the card was compromised and was charged {$690.00} Wednesday XX/XX/2022 at XXXX am at a XXXX  in XXXX on the new card as well bringing my account negative while the card was in route and unactivated. I have disputed the cases but have yet to see my funds returned. I've come to the conclusion through my own research and personal experience that cash app has had a major data breach and is not disclosing this information to their customers. I and several others have posted on their XXXX about getting unauthorized charges from XXXX usually out of state and consisting of several hundred dollars on the cash app card, I have seen complaints on this issue going back 6 months or more. The charges are never authorized by the owner of the cash app account and the cards or data have not been compromised on our end to our knowledge. Further evidence that supports this is a breach within cash apps systems is that upon canceling the old cards and ordering new ones before receiving the new cards and activating them there are new unauthorized charges that occur on new cards. I beleive cash app should reimburse victims, make the security breach known and improve their security especially before trying to do taxes and leaving countless users open to scammers with no protections. Thank you.
Consumer complaint received 2022-02-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Account sold or transferred to another company
Company: Block, Inc. (FL)

XXXX has got into all my other XXXX accounts he's going to deactivated my bandlab made out of Masters just trying to get all my stuff off of XXXX he's trying to steal my music so that means you're going to be getting all my royalties he's messing with my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX everything.. hes trying to take all my music he's trying to take everything I have
Consumer complaint received 2022-02-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (NY)

On XX/XX/XXXX my CASH APP Visa Debit card was charged {$170.00} to XXXX XXXX. I had not authorized this purchase. XXXX was in another city and a hotel I had never heard existed. I immediately contacted CASH APP to have my card canceled. In the interim, I contacted XXXX and told them the situation. They claimed that the reservation was made via their mobile application. They also stated that XXXX XXXX XXXX checked in via the mobile application. Their process of checking in does not require a valid ID to present at their front desk. Instead, a XXXX XXXX app was used to check in and unlock the door. All this was to my surprise as I have never signed up for this service and held no profile. CASH APP then told me I would have to wait 45 days for the merchant to close out this claim. On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I had contacted CASH APP support and was told that they were elevating the situation to a specialized team and I would hear back in 24-48 hours. This was all done on the CASH APP application on my cell phone for the XXXX you call stated that their advocates were not available to take any calls for they are busy with taking other calls. Great logic. I was always given the same copy/paste message from CASH APP support except for today, where I was informed that my case was closed in my favor and that the provisional credit was permanent. I would guess this response came from the fact that I had used XXXX to publicly state that they have been ignoring me for months. In today 's response, CASH APP states that {$170.00} was credited to my account on XX/XX/XXXX, but under complete disguise as " Unlike refunds, provisional credit does not appear in your Activity Tab or prompt notifications. ". They also went ahead and gave some made-up scenario that when they deposited the money, i had XXXX balance. My CASH APP statement for XXXX started with {$22.00} and ended in {$0.00} and with all the transactions on my statement, it's a fact that there was no additional {$170.00}. The fact that they told me that they ruled in my favor and lied about paying me is borderline criminal. I would have accepted if they stated I lost the appeal. Their unprofessional business practices should not go unnoticed. Just as I am held responsible for my actions, why can't CASH APP?
Consumer complaint received 2024-10-02
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)

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/year> ), 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 Collection Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX , These accounts have resulted in 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 haro inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXXXXXX, PA XXXX To Whom It May Concern : This is my second time writing to you to update my personal information. 15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX XXXX. My Address : XXXX XXXX XXXX XXXX XXXX, Florida XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above.

I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons.

Delete all information in the employer section.

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete to my contact information listed. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX, XXXX XXXX
Consumer complaint received 2021-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Block, Inc. (WA)

On XX/XX/21 I had approx 200 transactions of small amounts back to back which amounted to almost {$1800.00}. Since I was at work I did not see the notifications until my account had been cleaned out. I immediately canceled my card and contacted customer care. First of all, customer service for the company Cash app is only online. You can not actually speak to anyone. When you do speak to the reps they have cut and paste responses and give little to no help. Once I was finally able to get through to someone I was assured my claim was escalated and it would take 10 business days for them to accept the claim and then up to 45 calendar days to receive a resolution. Through out the course of this time they do not reach out or provide any type of communication and each time I reached out I received the same generic response that they do not have an update and I will receive an email once they did. We are now past those quoted dates and I still have not been given any type of response. Im beyond frustrated with the lack of communication and care this financial institution has for its customers. The fraudulent transactions were obviously fraud, and when you look at their website they claim to have security measures in place. This company needs to work on their customer service, they need physical phone lines available for those who have experienced fraud and they need security measures in place that wont let 200 fraudulent, suspicious charges take place on your account in less then an hours time.