davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (FL)

[ Experian or Creditor : Choose who you are sending it to ], you replied that the alleged transaction you identified as late is validated. I just wanted to let you know that you have no proof that this alleged transaction was late.

15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments Acreditormay not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose unless thecreditorhas adopted reasonable procedures designed to ensure that each periodic statement including the information required bysection 1637 ( b ) of this titleis mailed or delivered to the consumer not later than 21 days before the payment due date.
Consumer complaint received 2022-03-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc. (CA)

On XX/XX/2022 around XXXX I got a transaction of {$3400.00} on Cashapp from a friend and wanted to transfer it into my bank account. My phone number changed recently and I was unable to transfer it because I needed to verify my identiy, however, the only method my bank had to do so was with my old phone number. Since it was XXXX, I couldn't call my bank to change my number. At XXXX the next morning, I called and asked to fix it. 

I went back to my Cashapp, and it was logged out. I tried to sign back in, but again, the only way I could sign in was through my deactivated phone number. 
I tried to sign in using the other methods provided, such as verifying my identity with the card on file for that account, but I was still denied. 

I contacted support, gave my last SSN digits, my full name, my birthday, and still I was denied. It seemed as though they were satisfied with what I gave as identification because they said they were going to " attempt '' to release the account back to me, but then when I did the steps to sign back in they said it was denied. 

When asked to simply transfer the funds to my bank account that was already linked, the only thing they would say to me were " We use variety of security measures to protect your account. We review multiple data points in real-time to determine whether we can grant access to another account or balance. If anything appears out of the ordinary, we won't be able to complete the action. I can't manually override this decision or provide additional details, and no further action can be taken. If there's anything else you need today, feel free to reach back out anytime ; we're here to help from XXXX to XXXX ET. '' When asked to try again, I got the same response. 
I asked " I don't understand. If it's due to security reasons what is it securing if you won't even let the owner access it? '' In which the response was " I don't have any new info to provide on this issue. For questions or concerns outside of this, I'm more than happy to help. If there's anything else you need today, feel free to reach back out anytime ; we're here to help. '' They essentially told me that my {$3000.00} was stuck in an account that I can't access due to security reasons although I've given all the information they've asked for.
Consumer complaint received 2017-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

Capital One still has this information on my credit report according to XXXX XXXX, i called the customer care XXXX XXXX, XXXX while i was working and they said it would be removed that they would contact XXXX and file a complaint, yet they told you that i didnt provide a correct address??? have them be advised i have the phone conversation recorded and will use that as proof. thats a lie, this capital one statement is over 18 years old and should of been removed CAPITAL ONE Credit Card XXXX XXXX, XXXX Closed {$0.00} Account Details Last Reported XXXX XXXX, XXXX Creditor Name CAPITAL ONE Account Type Credit Card Account Status Closed Opened Date XXXX XXXX, XXXX Closed Date XXXX XXXX, XXXX Limit {$1100.00} Term -- Monthly Payment -- Responsibility Individual Account. Balance {$0.00} Highest Balance {$1400.00} Payment Status Current Worst Payment Status -- Date of Last Payment XXXX XXXX, XXXX Amount Past Due -- Times 30/60/90 Days Late XXXX Remarks Account closed at consumers request Consumer disputes after resolution Payment History Latest Status : Current No payment history has been reported by this creditor. Credit Utilization* 0.00 % See something wrong? You could dispute an error with XXXX. *Calculated using reported balance and credit limit on account. its still there
Consumer complaint received 2022-03-27
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc. (MS)

Errors of omission, Errors of Commissions, unauthorized transactions due to a data breach, breach of fiduciary duty to make funds available for the card users by levying the credit and consumers abilities to utilize settle debts during public interactions, financial disenfranchisement, and limits financial tranquility, and prosperity. 
We notified cash XXXX  and called several times. Cash refunded several disputes, but keep thousands of stored value and concealed claims to cause harm to the XXXX. 
Units of accounts go un monetize and monetary value are not properly assessed to be expended.
Consumer complaint received 2022-03-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (WA)

I had received a refund from my vet in the amount of {$730.00}. Since I was not carrying any cards, I got the refund on XXXX XXXX to my Cash debit card. I have done so before and have never had an issue. 

Since the transaction was made on XX/XX/2022 and I still did not receive a refund, i complained to the merchant that showed their bank has sent the money back to my cash card. 

I contacted cash customer service. The first level customer service was not aware of how card refunds worked and told me I would get a direct deposit and they dont see it. I tried to explain to them that the refund was made on the XXXX XXXX to my card but they refused to help or escalate. They told me they will not help trace the funds or escalate the issue.
Consumer complaint received 2022-03-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Block, Inc. (CA)

The company shutdown my account on XX/XX/2022 without any warning or reason after I funded my account {$250.00} using my own bank account with my name on it. I called and tried to get a reason for the closure or how I can get my funds back, but the representative told me the department that I would need to reach could only be reached through email. I contacted Square via online support several times and they won't give me a reason my account was shutdown or how I can get my funds back in a expeditious/reasonable time frame. On my dashboard, it said it would take one business day to get my funds, but it has already been 10+ business days without any resolution.
Consumer complaint received 2022-03-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (OK)

On the evening of XX/XX/XXXX around XXXX AM XXXX XXXX  I went through the app XXXX  looking to buy an electronic device called a XXXX XXXX. I came in contact with a " seller '' named XXXX. We talked about price and we agreed on {$800.00} and that we'd do it through cashapp and he would give me a picture of " his ID ''. After this we carried the conversation over to texting. I gave him my address for shipping and sent him the money. We continued talking for a very short time after. Once I asked for a tracking number he had already blocked me on everything and proceeded to wipe his XXXX  account. Since then I have contacted CashApp and they didn't help me receive my money back. Was then told to report a fraudulent charge to my bank so I did. And have also yet to see any progress with that. I have screenshots of all of this by the way. I also have no idea if that ID is the offender 's or not as it could easily be stolen for someone to just put themselves out there like that when scamming. I tried reaching out to my bank. They decided against me even with police reports and mountains of evidence of getting scammed and never receiving the product. The same thing happened with Cash App. It's unreal how scammers can just get away with this
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TN)

I am filing this report pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). 
After carefully reviewing my credit report, I have discovered several accounts and notations that do not belong to me or are otherwise inaccurate. 

XXXX XXXX XXXX XXXX XXXX$280.00} Account was not proven how it was verified please delete. Not mine no knowledge XXXX XXXX XXXX {$1500.00} Account was not proven how it was verified please delete. Not mine no knowledge XXXX XXXX XXXX {$630.00} Account was not proven how it was verified please delete. Not Mine No knowledge XXXX {$200.00} Never Late XXXX XXXX XXXX {$1600.00} Never Late XXXX XXXX XXXX- {$1600.00} Never Late XXXX XXXX XXXX UNION- {$800.00} Never Late These inaccuracies are XXXX XXXX XXXX XXXX rights under the FCRA, which ensures that consumer reports must be accurate, complete XXXX and verifiable. I have also filed an official complaint with the Federal Trade Commission ( FTC ), a copy of which is attached for reference.I am requesting an immediate investigation and correction of these errors, as well as written confirmation that these items have been addressed.
Consumer complaint received 2022-03-14
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Block, Inc. (TX)

Hi, I had some fraud happen on my XXXX account and my bank and employer XXXX XXXX disputed the transaction iao {$80.00}. 

Not short after, my XXXX account was closed. I would like to know why specifically XXXX closed my account ; what violation am I being accused of doing.
Consumer complaint received 2023-04-19
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: Experian Information Solutions 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 Number Account Name # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TN)

I am filing this report pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). 
After carefully reviewing my credit report, I have discovered several accounts and notations that do not belong to me or are otherwise inaccurate. 

XXXX XXXX XXXX XXXX  {$280.00} Account was not proven how it was verified please delete. Not mine no knowledge XXXX XXXX XXXX {$1500.00} Account was not proven how it was verified please delete. Not mine no knowledge XXXX XXXX XXXX {$630.00} Account was not proven how it was verified please delete. Not Mine No knowledge XXXX {$200.00} Never Late XXXX XXXX XXXX {$1600.00} Never Late XXXX XXXX XXXX {$1600.00} Never Late XXXX XXXX XXXX XXXX {$800.00} Never Late These inaccuracies are XXXX XXXX XXXX XXXX rights under the FCRA, which ensures that consumer reports must be accurate, complete XXXX and verifiable. I have also filed an official complaint with the Federal Trade Commission ( FTC ), a copy of which is attached for reference.I am requesting an immediate investigation and correction of these errors, as well as written confirmation that these items have been addressed.
Consumer complaint received 2022-04-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (NC)

Cash app froze my funds ( It was only around {$200.00} but it's the principle ) due to a fraud company sending them a notice that I had a XXXX  XXXX. I have no ties to that company so I went on line and got my dissolved papers for my old business that we paid off our bills and closed during the pandemic. We no longer have the business and all cash app had to do was go to the secretary of states office online and search my name. 



The least cash app could do was send the funds back to the people who sent the money to my cash app. 



I can't even close my cash app account, they want let you close the account if you have funds in it and they want let you cash the funds out? 

Cash app is so messed up. 



When I first got the Cash app, there were several fraudulent charges on my bank account for {$5.00}? I had to get a stop payment reversal through my bank. The bank said that they didn't know how Cash app was able to charge my bank account that wasn't even linked to the Cash app card?
Consumer complaint received 2024-07-28
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. (AL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX5 U.S.C 1681 section 602 A. States I have rights 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 2022-03-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (CA)

On XXXX, I was looking over my debit card accounts, ( XXXX, XXXX, and Cash App ), so that I could pay a few bills and I noticed the {$400.00} I had transferred to my Cash App account balance was now saying {$94.00}. I immediately contacted them through their Chat to find out what happened to my money and was told to fill out the dispute form. I submitted the form and not even 24 hours later received an email saying my dispute was being denied due to the merchant showing the transaction as captured, whatever that means, and if I wanted a copy to request it along with the reference number I was given at the end of the email. I requested a copy of this quick investigation and have yet to receive it but am still being denied a refund! Like I told Cash App, it doesn't make sense for me to transfer {$400.00} from one debit card to another only to withdrawal it all hours later when I could 've just withdrawn it from my XXXX account to begin with!!!
Consumer complaint received 2022-03-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (VA)

I had disabled my card on cash app because I noticed a unauthorized transaction for just a {$1.00}. I called the company which was a construction site and they said there was no way it was them. The next day another unauthorized transaction tried to go through for XXXX in NY. So I immediately reported my card stolen. They were sending me a new card. A couple days later, before I even received the card, I enabled my card just for a few mins to send someone {$20.00}, and my card got drained. 3 more transactions to XXXX in NY totaling {$990.00}. I hadn't even received my card yet or even used it. I reported my card stolen again, I got a new account number, new card info and another 2 unauthorized transactions tried to go through but was declined because my card was disabled. I contacted XXXX, they tell me to contact Cash App. Cash App tells me I have to wait till the transactions are no longer pending. I file the dispute and they said they will contact me within 10 days. That was done on XX/XX/XXXX and XXXX. I contacted their support through the Cash App app. They tell me my cases have been escalated and the will notify me through email with a update. I just really need my money back, I live off XXXX.
Consumer complaint received 2022-03-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (CO)

On XXXXXXXX XXXX XXXXXXXX I had an issue with my computer someone had hacked into my computer and onto my phone both a teens said please wait firewall downloading and when my devices screens went back to normal 20 or 30 min later I received notifications from both my XXXX XXXX spend account as well as cashapp saying 6 {$500.00} transactions had been withdrawn from my XXXX XXXX  spend account onto cashapp, then from cashapp {$2500.00} in bitcoin currency was purchased and {$500.00} cash was sent to someone I have never met before. Other attempts to send my money were attempted but failed due to cashapp flagging it as a direct potential scam. Though I have made MORE THEN 5 SEPERATE ATTEMPS TO CONTACT CASH APP AMD XXXX XXXX they have told me they can not assist in this issue or refund my transactions!!!!!
Consumer complaint received 2022-03-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc. (NJ)

Cash App has ABUSED, taken advantage of AND HAVE COMMITTED FRAUD on my intellectual property rights on my negotiable instrument. Once I entered my application with CASH APP they have been infringing on my intellectual property and have been profiting off my social security number which is a FEDERAL CRIME. While using the banking app CASH APP which is operated under XXXX XXXX which was opened with my social security number ; Account ending in XXXX. Pursuant to 15 USC 1666f and the Social security act, With respect to credit card ( my social security number ), which may be used for extensions of credit in sales transactions in which the seller is a person other than the card issuer, the card issuer may not, by contract or otherwise, prohibit any such seller from offering a discount to a cardholder to induce the cardholder to pay by cash, check, or similar means rather than use a credit card. They have been charging me {$2.00} every time I use my insured account which is backed by the FDIC ONCE I OPENED THIS ACCOUNT. They have been stealing my money with fraudulent claims of " atm fees '' and " We charge a {$2.00} fee for ATM withdrawals in addition to ATM operator fees. We instantly reimburse fees when you get {$300.00} ( or more ) in paychecks directly deposited into your account each month. Once you've received qualifying direct deposits totaling {$300.00} ( or more ), we'll reimburse up to {$7.00} in ATM fees per withdrawal, and up to 3 withdrawals per 31 days '' which is false and misleading and was not conspicuously disclosed to me before I used my social security number for this consumer transaction/account being opened. They have been stealing money from my account and have been fraudulently doing so and justifying it with " company policy ''. 

Also I have several deposits of {$300.00} in one month or more so the fees should have been automatically reimbursed based off the information provided from cash app rep. So on account of that misinformation they are stealing my money.
Consumer complaint received 2022-02-25
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (AZ)

Cash app refuses to release money I put on the card to.purchase a car. I have provided the info requsted.and they still Won't respond with anything more then an automated reply. Please help me its all the money I have and I was waiting for tax season so that I can solve my transportation issue and get to.work.
Consumer complaint received 2022-03-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (OH)

My cash app account was compromised last year, and aster losing over {$1400.00} cash app denied any reimbursement. I can see that the amount sent to someone by the name of XXXX XXXXXXXX was originally blocked, but then allowed to go through. I discussed this matter with representatives from cash app a number of times since noticing this, and they have refused to rectify the unauthorized transaction and fraud. I am demanding this to be refunded immediately before taking further action due to negligence on Cash App ( Square ) s end.