davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (AR)

I wanted to deposit my money from cash app into my bank account with a XXXX or XXXX day delay so it would be free. I touched the instant deposit spot ( they're right next to each other ) and it cost me north of XXXX dollars. I contacted the company right away and they basically said too bad so sad. That is unacceptable, I am willing to wait for my money so they can get a few days use out of it. I am NOT willing to pay an annual interest rate of roughly XXXX XXXX ( cost me XXXX dollars for the use of XXXX bucks for XXXX days ) They should be forced to have an " are you sure? '' button to click like when you delete something.
Consumer complaint received 2022-08-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (CA)

Me and my girlfriend were sending money back and forth basically I sent her two payments one for XXXX and another for XXXX and then I sent her a request for the XXXX back she had already sent me the XXXX by the time she received the request and then within 7 minutes she sent me {$450.00} so I should have had a total in my account of over {$900.00} except for the fact that the XXXX even though it shows that it's a completed transaction to my account it never went in my account I explained to cash app the only way they could see the transaction is if they went into the support part of the menu and from there they could see the transaction it wasn't in our regular activity log for some reason but once you go into support and report a payment issue it'll have you select what payment and then on that screen you could obviously see that the XXXX and the XXXX both were completed to my account but only the XXXX went into my account I've tried every day to talk to him by phone and work it out done Mobile support through the app every since the XXXX of XXXX not to mention countless emails to no avail which they do admit that the money is missing or my frustrations or Justified is that how they put it but they never credited my account with a provisional credit like they were supposed to they keep giving me reference numbers but when I call and give the reference number to the person or through the email or the chat basically those numbers don't do anything and we have to start everything all over every time I don't even know why they give those numbers out it's not like they're really attaching them to a case or anything like that it's just ridiculous how unprofessional cash-up support is I've been hung up on about six times cuz they get frustrated cuz they can't figure out where the money went and then they hang up on me or they tell me they can't provide any further information and then they make me start the dispute all over again and again and again I just want my XXXX back from cash app
Consumer complaint received 2022-08-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (PA)

On XX/XX/2022 someone named Her ( XXXX XXXX  ), who I have never heard of, made four requests from my Cash App, all for {$1000.00}. I got emails from Cash App at XXXX, XXXX, XXXX and XXXX regarding the requests. The first three were refunded by Cash App at XXXX, XXXX XXXX and XXXX XXXX with the message : " For your protection, your {$1000.00} payment to Her was refunded. '' The fourth attempt was completed without a refund. 
At XXXX I was sent an email saying- " XXXX ( my email ) has been unlinked from your XXXX account. If you did not request this change, please let us know, '' but I was not at my computer or phone then. I contacted Cash App as soon as i realized all of these transactions were going on and that I did not request my email to be unlinked. I was told by Cash App Support that the scammers then added the email XXXX to my account. I filed a formal request for support at XXXX XXXX  on XX/XX/XXXX. I was told that someone from investigation department would contact me about the incident. 
No one ever spoke to me in an investigation. This all happened in one afternoon, without any knowledge of mine. I contacted Cash App as soon as I found out about it. 
I was told by email on XX/XX/XXXX that my appeal was denied and that I authorized this person to have {$1000.00} taken from my account, without anyone ever contacting me from Cash App. The email said " My name is XXXX with Cash App Dispute, thanks for reaching out and I appreciate your patience while I reviewed your dispute claim. 
Based on the information available, our investigation led us to determine that this transaction was authorized by you or someone you authorized to use your credentials and no error occurred. As a result, your dispute has been closed. '' I filed an appeal to this decision and was told by email on XX/XX/XXXX " After reviewing your account, I was able to verify that the payment reported in this case has already been reported previously in case XXXX and they already provided you an answer regarding this dispute. Unfortunately we can not treat the transaction differently, review the previous case to know how to move on forward. I am confident that we have provided you with the correct information based on the information we've discussed, and we may not have additional details to provide. that since my case had already been decided that nothing could be done. " I do want to emphasize that I had supportive contact with customer services people, who referred my case to Cash App disputes who were to contact me about the situation, but never did and made their decision with no documentation. 
.
Consumer complaint received 2022-08-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (OR)

On XX/XX/2022 I received a text message from the bank saying I changed my password. I noticed that money was being transferred to XXXX different accounts. I didn't not receive any requests for my pin number to be used which is the normal way of sending money. So I contacted the bank Cash App to let them know immediately. There was XXXX transactions and I filed a dispute. The bank completely a investigation and the results are they are refusing my disbute. I let let the XXXX know that I do not know these people and my tax monies have just been stolen.
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).
Consumer complaint received 2024-07-18
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CrossCountry Mortgage LLC (WI)

Cross Country Mortgage erroneously paid the wrong insurance company out of my escrow account in XXXX of XXXX. Cross Country paid XXXX XXXX $ XXXX.I realized what happened when XXXX XXXX , my current insurance company, threatened to drop our coverage if they didn't receive payment in XXXX of XXXX. XXXX XXXX was then paid {$1400.00} out of my escrow account in XX/XX/year>. Cross Country then performed an escrow analysis and determined my escrow was underfunded and increased our monthly payment by {$130.00} I have since been back in forth with Cross Country, XXXX, XXXX XXXX, XXXX XXXX trying to get this money refunded. I want the money refunded into my escrow account. 

I have called and spent many hours on the phone since XX/XX/year>. It is now mid XXXX and no one can give me any indication of when this money will be returned. It's hard enough to get someone on the phone as their system is so automated. However, when I do finally get through to someone it's not the right department and they have to transfer me and I have to wait again. I have since asked for a call back from a senior rep or supervisor and never received a call. No one cares to follow through and actually make any progress on this issue.
Consumer complaint received 2022-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (DE)

Hello my name is XXXX XXXX and XXXX have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

My account with XXXX XXXX, XXXX XXXX, XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX, XXXX XXXX, 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 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 months that are reported late 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 XXXX, XXXX XXXX, 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 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my second time I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review this account ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 
XXXX XXXX Balance Owed : {$32000.00}
Consumer complaint received 2022-08-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (PA)

I was asked to pay {$300.00} for a vacuum cleaner. I did on XX/XX/XXXX. I was then told they'd refund me, because it'd make their life much easier if I could instead pay their business account. 

They sent a picture showing that they had refunded me, and had them split the next invoice they'd send me in two. One, to pay in the short term, and another to pay once the refund showed up in my bank account, because I didn't have enough money in my account to pay the full {$300.00} at once. 

Until this point, this seems like something that is entirely my fault. After this, however, I did receive an invoice from a business account. ( Pictured in attached images. ) I figured, okay, CashApp considers this guy to be a business owner, so it must be legitimate. 

I paid the first new invoice ( worth {$50.00} ) on XX/XX/XXXX. 

I then spoke to two CashApp support agents to attempt to see if he actually sent the refund. They said he didn't. It soon became clear I was scammed, and CashApp mislabeled a scammer as a business owner. 

In trying to collect information to report the scam, it became pretty clear to me that this is someone who used two accounts to scam me and who owns several other accounts to scam others. One of the accounts used to scam me was a business account, raising the question of if CashApp did any verification or background checking at all before giving them the business label, and of what the point of labeling accounts as businesses is on CashApp if it provides no assurances to buyers. 

I was scammed by someone whose username and real name matched many almost identical accounts ( very similar name patterns in the usernames, similar appearance on some account pictures, same name registered to those usernames, etc ) on CashApp. and have found by typing in his name into CashApp that ( based on the common suffixes ) CashApp has allowed him to create many, many obviously near-identical accounts without doing anything to stop the scammer. I imagine that doing similar on XXXX. XXXX would be nearly impossible, because XXXX actually collects your identity and makes you do a ton of work to verify people, their businesses, etc. CashApp, on the other hand, has just been enabling this person 's scams and, in the process, endangered me and others.
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

TransUnion Consumer Solutions XXXX XXXX XXXX  XXXX, PA XXXX Account Name : XXXX XXXX Account Number : XXXX According to 15 U.S. Code 1692c - Communication in connection with debt collection If a consumer notified a debt collector that the consumer refused to pay a debt the debt collector must cease all communication, reporting to my consumer report is a form of communication.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (AR)

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file.

"
Consumer complaint received 2024-06-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

XXXX has not reported an update on my account since XXXXXXXX XXXX XXXX My account has been closed for months. They refuse to report it as closed. XXXX customer service is horrendous. They take XXXX days to reply every time and when they do the person replying is clueless. I was instructed to call in for help and when I did I could not get past the robot because my account is closed why would you knowingly advise me to call in when I will never be able to reach any assistance if the account is closed. I continue to try and get help over email and every time they ask for more and more PII after I already verified my last 4 of social, address name etc. and Im using the email address they have on file?!? They refuse to provide documentation that the account is closed and they refuse to assure me the account will be reported as closed with Equifax.
Consumer complaint received 2022-08-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (LA)

Around XX/XX/2021, I fell victim to two multi-layered scam operations run XXXX which involved me making deposits for a total amount of XXXX XXXX from my Cash App account to fraudulent investment firms. 

It is crucial to note that I have been manipulated, socially engineered, and coerced to engage these fraudulent criminals. Much to my embarrassment, I recognize that I am the victim of an investment scam.
Consumer complaint received 2022-08-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (RI)

Unauthorized eft transactions, numerous amounts that were illegal denied and not properly documented and not properly investigated. And Ive reported them to the cfpb before and not only have nothing been done, but now theres more cases with exact same company that I started having these issues with back in XXXX XXXX XXXX.
Consumer complaint received 2022-08-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (IL)

I was sent {$100.00} on Tuesday evening, around XXXX. XXXX, using the service CashApp. The money was to an account I had created in the past. CashApp has not allowed me to recover this account, which was made in my name using my information. I have spoken on the phone with them and used their support line multiple times, only to be told they can not give me access to my account for security purposes. I have offered to provide any amount of added information needed, but they do not care to ask. The company has essentially left me in the dark with the same automated response.
Consumer complaint received 2022-08-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc. (KS)

I made a purchase on XX/XX/2022 for a hotel reservation and I ended up canceling this and was told on XX/XX/2022 I would receive a refund in 2-3 business days. I have spoken to the merchant more than 10 times and they mentioned they had already sent my money to the bank. I have not received anything back to this date. I have filed a dispute over 10 times and they always decline this. I would really appreciate the help.
Consumer complaint received 2022-08-18
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. (MI)

Cash App received my government stimulus check. I had been trying to find where my stimulus money went and contacted them on multiple occasions. I had deleted my account and thought it was closed. When the funds went into the account Cash App never contacted me. 

When I realized which account the funds were in, I contacted Cash App multiple times to get access to my account. I no longer have access to the email address nor do I have the phone number I registered the account with. I have the cash app card. However, this was not enough to verify my ownership of my account. 

There needs to be other mitigation processes in place for people like me who have struggle to get access to my funds. 

At this point, my stimulus money has been issued to me ; however, I do not have access to it. I can use the card issued to the account ; however, I need the cash money.