davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-25
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. (WV)

on XX/XX/2021, I rented a XXXX  for one day at XXXX XXXX  rental of XXXX XXXX, located at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. They ask for a {$2000.00} security deposit. I rented before at this store, so it was not problem. 
I returned the motorcycle without any issue and they told me that they will return my deposit in a few days. The deposit was never returned, I contact them by phone and they said that it was a problem with the credit card processor and I should initiate a dispute. I initiate the dispute and after 4 months, I was unable to get my deposit back. I contact the owner of the store by email and he said that there is no problem with the deposit, that I should get back my money. He insist that he problem is with the credit card processor " square ''. 
My bank " XXXX  '' ( XXXX ) said that they can't do anything. 
This is a nice legal way to steal money from tourist and consumers and credit cards operators are doing nothing.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

PLEASE BLOCKED AND REMOVED. 
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.
Consumer complaint received 2021-03-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: KEYCORP (NY)

I submitted a dispute to Key Bank on a transaction with XXXX XXXX on approximately XX/XX/XXXX After filing the complaint I had a XXXX conversations with Key Bank, the XXXX to make sure nothing else was needed, the second to be told if the merchant doesnt respond by XX/XX/XXXX the temporary credit becomes permanent, the third that I needed to fill out a questionnaire which I did over the phone and the last that my credit was reversed 1st because I didnt fill out the questionnaire and then after that dispute was dismissed I was told I didnt file the claim within the allotted time frame. 

Key Bank accepted my claim in XXXX, gave me a claim number and proceeded with processing the claim and not once from the date of filing to the date of declining did they mention this. 

It takes an act of XXXX to get to the executive affairs department. They refuse to give out a number, the disputes department states they can not transfer me there and customer support in most cases puts me on hold for so long trying to figure it out he call becomes disconnected. I spoke to a guy in the executive affairs department by the name of XXXX who said he would listen to the recorded phone calls I had with the dispute department snd if they said it would be permanent by XXXX like I was told the credit would then be given back to me. I invested 2 hours of phone time on XXXX only to be hung up on because they could not wait for XXXX to become available any longer. The phone number I was given to call back is the disputes department that claims they can not transfer me to the executive affairs department.
Consumer complaint received 2022-04-25
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Block, Inc. (NJ)

I called the CFPB twice to verify my information as per my last complaint and I was told that I need to resubmit my complaint because it was 'closed '. Not sure why this is the case but I am resubmitting my complaint now : commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX / XXXX ( the Scammers ), XXXX : XXXX XXXX ( the Scam Company ), all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. The equivalent of XXXX USD was transferred from my wallet utilizing CashApp services.
Consumer complaint received 2022-04-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (TX)

I have {$.00} to my name. I need food for my kids and my tire has a slow leak and needs air. My cousin CashApp'ed me {$20.00} to get food, and air for my tire. CashApp would not release the funds nor was there anyone for me to communicate with about it. Subsequently, we did not get food and my tire went completely flat resulting in me needing to borrow more money for a XXXX tire and a tow.
Consumer complaint received 2022-04-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (TX)

On XX/XX/XXXX I deposited $ XXXX on my Cash App card at XXXX XXXX, after work I paid my credit card bills with my Cash App card because it has a banking route and account number. At XXXX XXXX  I get a message that credit card payment failed. I looked at my cash app account and find XXXX pending cash withdrawals at XXXXXXXX XXXX XXXXXXXX XXXX minutes apart in the amount of {$210.00} and {$200.00} and contacted cash app in their " chat box '' that XXXX should have cameras at the ATM and to catch this person while transactions are pending, without any response. I emailed cash app and got a response that they do not monitor emails to use the chat in cash app. I declared my card stolen and attempted to call XXXX but no answer. I then called cash app and she gave me XXXX ID Case # 's and said nothing else to do but wait for email and will take up to 45 days to resolve. I had spoke to chat many times with no resolution except that my case has escalated to the email team and they could no longer assist me through chat just to wait for email. This went on for 2 months, emails with no address found returned to me. And with my new cash app card and pin number another attempt from XXXX XXXX, XXXX XXXXXXXX was made on XX/XX/2022. I live in XXXX and have never used any credit card at a XXXX XXXX and my card was not stolen, it has never left my billfold. The Advocate said to get a new card and I said what makes you think I want another card my other cases are not resolved yet and another attempt with my new card can not be disputed because no funds were taken this time. All chats are kept on the app, I have all emails returned to me on my computer. I even wrote a letter to cash app on XX/XX/2022 with no response. I then noted that my statements from cash app stopped at XX/XX/XXXX and asked through chat where is my XXXX to XXXX XXXX statements with no response.
Consumer complaint received 2022-04-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (AZ)

I have a cash app account and used my cash app card to pay for a purchase at XXXX XXXX XXXX on XX/XX/2022 in the amount of XXXX. XXXX XXXX XXXX processed the order and then cancelled the order with no explanation. They never took the money and it currently shows pending in my cash app count. Ive reached out to the XXXX customer service department and was told A refund can not be processed because the order was never generated and was immediately cancelled. Funds were not withdrawn. I was advised to contact Cash app support to remove the hold. I have contacted cash app customer support more than 10 times to remove the hold and each time they insist the hold cant be removed and the transaction has to be refund, even though Ive explained the situation that a pending transaction cant be refunded nor can a system generated cancellation. Cash app refuses to remove the hold and has since put my call information on a block list and refuse to assist in the situation.
Consumer complaint received 2022-04-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Block, Inc. (VA)

I got two cash app payments. These two payments are missing. The first one from my friend name XXXX for XXXX on XXXX XXXX. I never received it. Theyre telling me i had other payments that came threw that took the {$27.00}. Not true what so ever. After my purchases, i still had {$14.00} left over. Now the next missing cash app was made on XXXX XXXX. XXXX {$20.00}. I never received it. Im mad as XXXX because i feel like theyre just out right taking my money. All i want is my missing {$27.00} and {$20.00} and ill be done with cash app forever. This is the same reason my friends on XXXX and XXXX done deal with cash app now. I feel so stupid for not listening to people. My name is XXXX XXXX. My number is XXXX.
Consumer complaint received 2022-04-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (AZ)

On XX/XX/2022 XXXX transactions were made with my stolen cash app card from a merchant called XXXX  the total of the transactions are as follows XXXX. {$100.00} XXXX XXXX XXXX XXXX XXXX I contacted the merchant on XX/XX/2022 and was instructed to file a dispute claim in accordance with regulation E to summarize it once the company acknowledged my dispute they must do a thourough investigation in accordance to regulation E procedure and after 10 days if no resolution I must in fact be given provisional credit while the case is being resolved after one day they sent me a email saying they found no error on those transactions and if u wanted to request the information used to come up with thier answer, was a picture of one of the transactions I disputed which makes no sense on thier behalf not only did they not follow the procedure with regulation E procedures the information they sent me that was used to deny my claim doesn't even explain or can't even be used to deny the claim l, so I need your guys help to make sure my claim is being fairly investigated in accordance with regulation E procedures please and thank you I've never used or heard of this merchant before by the name of XXXX and according to cash app based on my transaction history thier is no error, but if you go thru my transaction history thier is no purchases or history prior to the XX/XX/XXXX transactions that are being disputed so that's also false information thier saying I attached a screenshot of all the ATM withdrawals on my account history the XXXX transaction circled in blue have a different ATM fee than all the other transactions that are shown meaning the XXXX transactions I'm disputing each have a ATM fee of XXXX and all under the company of XXXX  so no other transaction on my history are from XXXX  besides those XXXX done on XX/XX/XXXX so there allegation of prior device and account history of me using that merchant before is false thier fore their resolution with that allegation has no credibility on the business cash app dispute team
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Please take a look at the attached letters and ID docs for verification that it is 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 2024-09-06
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: Experian Information Solutions Inc. (CA)

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX Balance : {$2.00}, XXXX XXXX  XXXX Balance XXXX {$4.00}, XXXX XXXX  XXXX XXXX Balance : {$4.00}, XXXX
Consumer complaint received 2022-04-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (CA)

I have an account with CashApp. My phone was stolen while traveling and was reported to them immediately when I realized it was gone. I also contacted my bank, changed email password, among other passwords, and reported my phone stolen to my phone carrier. CashApp support had me create a new username/account that day on XX/XX/22. Previous acct username is XXXX XXXX, current/new account username is XXXX XXXX. CashApp is making it impossible to recover my old account & funds! The only security verification 's they have asked for is the card # linked to my account, which has changed since I opened my account with them. The old card was replaced with a new card with a chip from my credit union. They gave me the option of using my bank account info as well, which I tried, but the account number was never added to my CashApp account to begin with so that did not work either.They will not and have not given me the option to verify my identity through a valid form of government issued identification, or any verification from my XXXX XXXX bank. The old card and new card is linked to the same bank account. The only solution & answer they keep giving me is that there is nothing further they can do and that no further actions can be taken. I have money in that account that is mine and I need access to it! This is fraudulent & unacceptable. I need help! This issue was reported to them on Thursday, XX/XX/XXXX. Again on Friday, XX/XX/XXXX, Monday XX/XX/XXXX, and today Tuesday XXXX XXXX I have attempted to resolve this multiple times on these days via their chat support, and a phone call with a representative today on Tuesday, XX/XX/XXXX. They are not providing any solution or direction and are sending me in circles. Back to square one every single time. I have around {$1000.00} in that account and it does not make any sense that they could just keep it.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

My account with XXXX XXXXXXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX XXXX XXXX XXXX XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXXXXXX XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

Consumer Name : XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA XXXX 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX 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 mortgage loan from XXXX with {$0.00} balance, collection/charge off from XXXX XXXX XXXX XXXX with a balance of {$140.00}, and credit cards from XXXX XXXX  XXXX with a balance of {$10000.00}, XXXX XXXX  XXXX with a balance of {$1600.00}, and XXXX with a balance of {$8600.00}, Inquiries : XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX dated XX/XX/XXXX, XXXX Delaware XXXX XX/XX/XXXX. 

These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. 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 that is being 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 2022-04-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (IL)

Today is XX/XX/XXXX on XX/XX/XXXX I tried to use my cash app card at a gas station and it was declined however {$71.00} was taken off my card. I contacted support about this and they told me to file a dispute after filing 3 different disputes with evidence that I did not receive fuel and emails with the gas station saying they did not have my funds I was denied by cash app for a refund just losing out on that money. So in short words don't trust cash app they will steal your money.
Consumer complaint received 2023-02-15
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. (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. 
Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, 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 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 Anv other adverse item of intormation. 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 2024-09-06
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. (TX)

There's an inquiry on my credit report that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report. It is stressing me and making me anxious on why and how this happened.
Consumer complaint received 2022-04-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Block, Inc. (TX)

Cash app refused to replace add cash in the amount of XXXX {$500.00} on XX/XX/XXXX from XXXX XXXX. I tried calling the support number and they do not answer. XXXX denied that they reimburse electronic digital wallets but the advertise they do. On XXXX XXXX my cell phone was acknowledged by XXXX 



I M going through identity theft and have since XXXX. I need to have debt corrected from XXXX XXXX XXXX, rent reimbursed to XXXX XXXX, and XXXX XXXX XXXX, XXXX XXXX and XXXX XXXXXXXX. 
XXXX and XXXX XXXX XXXX I had data breaches that are liquidating assets. XXXX XXXX XXXX XXXX XXXX XXXX. I have property rights that need to be respected. 

I need my legal charges dropped. I was locked out of XXXX XXXX for XXXX weeks and could not get my debit card to activate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX data breach was with irs and ss.had garnished my wages in XXXX after using XXXX and XXXX XXXX and XXXX. I had just come back from XXXX and got on XXXX and XXXX with the state of XXXX. My XXXX was phished by a frauded XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The scandal 0f my ss money and military rights and benefits and XXXX rights has gone all my life... XXXX XXXX XXXX XXXX 

XXXX caught the scandal in XXXX but was never stopped.
Consumer complaint received 2022-03-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (NV)

Used Cash App for the first time today. Searched my friend and clicked the name and the pay screen came up. Wrong person got my {$150.00}. Cash app says all I can do is ask the person to refund. Says I should've looked at their profile but I was never given the option. The profile is nothing but the name and date joined so how would that even help? Anyway my friend is broke down with no money. I'm a XXXX senior who can not afford to lose {$150.00} to a company claiming they have no control over transactions. I'm in a XXXX  XXXX between my XXXX XXXX  and cash app where both are sending me to each other and both are claiming they can do nothing. I need for cash app to step up and cancel the transaction and refund my {$150.00}. Can you help? Please?