davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (TN)

On XX/XX/XXXX my daughter sent me {$270.00} via cash app I elected to have these funds directly deposited into my account instead of an instant deposit. I called on XX/XX/XXXX because funds have not been received I spoke with a representative that stated they could see the funds and they would be available by the end of the day. On XX/XX/XXXX funds had still not been received I called cash app and spoke with several reps via chat each one gave a different story the first representative XXXX stated that they are not showing a pending deposit, the second representative stated the same so I called I was then told that the funds would be available XXXX I asked how this was possible because friday XX/XX/XXXX is a holiday. I than asked to speak with a manager and was hung up on. I called back again and spoke with another representative that stated the funds would be available today when I asked about getting a refund to the sender and how they could go about doing so he told me he could not provide me with that information and hung up on me
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. (CA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-08-06
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY (NJ)

In the process of auditing my credit report, I spotted XXXX hard inquiries from Wells Fargo on my XXXX report from XX/XX/XXXX and XXXX of this year. 

These inquiries are duplicative, and are associated with the same credit application. I did authorize the first XXXX, but not the second one- and theres no reason the second one should have occurred. This is having an undue impact on my XXXX XXXX, which could impact me when obtaining a mortgage ( planned within a year ).
Consumer complaint received 2022-04-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (PA)

I had lost a card ( last four numbers : XXXX ) i had gotten from Cashapp, canceled the card after reporting it stolen/lost, and a few days later i noticed the card being declined for XXXX, XXXX, XXXX and XXXX. I called and complained, Cashapp told me to contact XXXX and the other companies, so i did. Well a couple months later i see it still being used to try and order stuff from these same companies. I contacted Cashapp, they told me they could do nothing for me because the card was canceled and replaced. So i canceled and ordered another card. Each replacement card has a different card number as well. Now its another couple months and the first card that had lost, IS STILL BEING USED TO TRY AND ORDER THINGS. I have screenshots of the card being used and the transactions. I want to know why a card that the company told me was canceled, is still associated with my account and being used by the same person with the same companies. Its absurd ive contacted them 3 times in a 4 month span and nothing has happened and Cashapp is perfectly happy with letting my account be compromised and someone take my hard earned money
Consumer complaint received 2022-04-14
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (NJ)

On XX/XX/2022 New Jersey unemployment sent out {$4900.00} Dollars and the government sent payments that was old to me on XX/XX/2022 {$5000.00} as well.however cash app keep saying they never received my payments from New Jersey unemployment.Ive told cash app it maybe the wrong Account number.unemployment May have sent.will they look up my profile to see if New Jersey sent my funds well as my name Attached to it. No respond with them. Tried calling him no respond they dont pick up New Jersey unemployment states they have sent out my payment to cash app and asked them to look up my name to see if any money came in it may be the wrong account number but routing number was right..
Consumer complaint received 2022-04-12
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. (MS)

On XX/XX/2022, I contacted Cash App via their chat line to let them know had two large unauthorized charges to my account from a company called XXXX. XXXX charge was for XXXX and another for XXXX. I also had a pending charge for XXXX. XXXX that needed to be released. I was told it would only take 10 days to resolve this matter. After a few days I received a another email saying it would take 45 days to approve my claim. I tried to follow about this matter but very agent I spoke with will not give a status update.
Consumer complaint received 2022-04-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (GA)

CashApp has been charging my account with various unauthorized subscriptions for about XXXX or 8 months. When I tried to get in touch with these merchants, contact info given was bogus! The first step in getting a refund, according to CashApp, is to alert the merchant of your dissatisfaction, and seek a mutually beneficial resolution ; however, in the money game, you do not have a proper process of dispute, once your money is in a money servicers hands you may as well let it go as lost, right? XXXX no ; I toiled in the hot and every conceivable type of weather and I see no reason to give to scammers! I offer you access to my account to examine it andrealize that these are scam subscriptions and are probably shell companies! I have been impacted negatively by their actions and have determined that I am due compensation for actual costs to my credit and/or finances!
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. (GA)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2022-04-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (CA)

Somebody got access to my cash-app account and was charging my cash app account $ XXXX over a night period of time and the amount just kept increasing more and more. Now my account is closed and I have funds that have to be paid off with no option to me weather or not I have to or not. Now all I have is a closed account with a debt.
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. (NC)

Under the Fair Credit Reporting Act, 15 USC 1681 Section 602 ( a ) states, " Consumer reporting agencies must exercise their responsibilities with fairness, impartiality, and respect for the consumers privacy. '' XXXX, XXXX, and Experian are such agencies, and as a consumer, I am entitled to ensure my private information is not shared. This right is supported by 15 USC 6801, which asserts, " Congress 's policy is that financial institutions have a continuing obligation to respect customer privacy and protect the security and confidentiality of nonpublic personal information. '' XXXX XXXX qualifies as a financial institution under this section. According to 15 USC 1681 Section 604 ( a ) ( 2 ), " A consumer reporting agency may provide a consumer report only in accordance with the consumers written instructions. '' XXXX XXXX the financial institution and XXXX, XXXX, and Experian do not have my consent, whether verbal, non-verbal, written, implied, or otherwise, to furnish my information. Any and all forms of consent previously granted to these agencies are revoked. Additionally, 15 USC 6802 ( b ) ( c ) requires that " A financial institution must not disclose nonpublic personal information to nonaffiliated third parties unless the consumer is informed about how to exercise their nondisclosure option. '' XXXX XXXX, have not provided me with this information. Furthermore, 15 USC 1681c ( a ) ( 5 ) stipulates that " No consumer reporting agency may include adverse items of information, other than criminal convictions, that are more than seven years old. '' The reporting of this adverse item without my permission is unlawful. 15 U.S. Code 1681s2 ( A ) ( 1 ) mandates that " No person shall furnish information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. '' 15 U.S. Code 1681e requires consumer reporting agencies to " maintain reasonable procedures to avoid violations of section 1681c and limit reports to the purposes specified in section 1681b. '' XXXX, XXXX, and Experian are not adhering to these reasonable procedures. Lastly, 12 CFR 1016.7 allows consumers to " opt out at any time. '' Therefore, I am opting out of your reporting services.
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2022-04-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (FL)

I updated my banking information in Cash App on XX/XX/2022. I have a new account and instead of adding the actual routing number and account number, I linked my debit card. At the same time, I cashed out {$970.00} to my debit card. When the deposit did not show up in my bank account I checked Cash App and they had added their own routing number and bank account to my account. So when I transferred the money, they intercepted it with their own bank information. I cashed out to my debit card but the money went to them. I spent hours on the phone and on chats with them trying to get them to help me but they insist it was a valid transfer and are investigating it but will not tell me anything else. They are giving themselves two weeks to cover their tracks. I have not changed the information in my Cash App account so I can have proof of where it went. I have attached two screenshots. One with the Cash App screen with the routing and account number linked and the other is a screenshot of a XXXX search stating that the very same routing number belongs to Cash App.
Consumer complaint received 2022-04-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (CA)

On XXXX XXXX four transactions were made with my cash app card information in XXXX XXXX NY at XXXX the transactions were charged by XXXX. First transaction was made for XXXX, second transaction was for XXXX, third transaction was made for XXXX, and fourth transaction was made for XXXX. 

I immediately messaged the Cash App customer service team who declined to cancel the pending transactions and asked for me to contact the merchant. I contacted the XXXX in XXXX, NY which advised scammers are using cash app card info for fraud. The merchant XXXX advised to contact Cash App directly to cancel pending charges. Cash App customer service advised to allow transactions to settle and dispute them. As requested, once settled on XX/XX/2022. I submitted disputes for the 4 transactions and other attempted transactions that were declined due to me disabling the card via the cash app application. Cash app advised they would tend to the disputes between 7 - 10 business days. On XX/XX/2022 I was contacted by cash app via email addressing the disputes for the attempted transactions and failed to address the disputed transactions with the actual charges. I responded and advised of the 4 transactions and disputes I submitted that settled. No response from cash app. On XX/XX/2022 a cash app representative addressed the dispute submitted and responded with At this time, we've addressed the transactions you gave originally and have completed our investigation and closed this claim. I responded with the dispute IDs given to me for the unauthorized transactions made with my card information and explained the situation. I received no response from the cash app rep. Today marks the 13th business day since the disputes and no action or update has been provided regarding the disputes submitted in the amount of XXXX $ +. When messaging the cash app team through the application I am advised of no updates. This is beyond frustrating as there is no solid communication with this company and transactions were not cancelled as requested to avoid the fraudulent charges made by someone in a different state which I have never traveled to. Today I have reached out to the cash app team and received the response that my dispute has been addressed. I received no communication in regards to the disputes submitted for the aforementioned. Reference numbers which were dismissed and not addressed are as follows : [ ref : XXXX : ref ] [ ref : XXXX : ref ] [ ref : XXXX : ref ] [ ref : XXXX : ref ] [ ref : XXXX : ref ] Please help get me the money which was stolen from me.
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. (MN)

Recently I did an investigation on my credit report which XXXX XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below.

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors.

I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft.

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent
Consumer complaint received 2022-04-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc. (NV)

On XX/XX/2022, I updated my square retail Pos profile I called support to assist me with the update when I was on the call with the support team, they wouldn't answer any of my concerns about my account the rep just kept talking over me and told me to let him know when I get to a certain page so he could help, me get the information updated, that didn't happen on XX/XX/2022 I received a invoice payment to the account totaling XXXX the first part was XXXX and today the balance XXXX. Square froze my account blocked deposits and now they are asking me to submit 3 months of bank statements, I'm not taking out a loan. I'm trying to understand if there was any issue why I wasn't informed before payments started showing up,. I did reach out to then only to be more disappointed with them, they say the Law now requires them to do this to square accounts, I did request to get all this in writing. after calling in over and over one rep found the issue and stated it was an error on the Square end when the rep went to update my profile he didn't update he just opened up a whole new Square account under my original account I had for years. the problem is they want to hold my funds until they figure out how to transfer the funds in my account or I can just to what they want and submit 3 month of bank statements to verify the account because I'm showing two accounts with Square.. There is no transaction history to show because its not a new account, but its showing up as a two day new account according to them, they need to be held accountable for this hardship they are unprofessional and this is unacceptable they need to put my funds into my account without further delay and correct the issues they caqused..
Consumer complaint received 2022-04-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc. (VA)

I made a reservation on my cash app card for a XXXX on XX/XX/2022 for XXXX. I cancelled my reservation on XX/XX/2022. The cash app account that I made the purchase from cash app has closed that account so I have no access to the account. I have contacted XXXX and has been informed that I will have to go through Cash app once a refund is sent it does not return back to them even if the account is closed the institution will have to transfer the funds or send me a check. I have been constantly trying to inform cash app of my concern and have not received the proper customer service to solve my issue.
Consumer complaint received 2023-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or companywithout my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating this account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please remove this fraudulent account : Bankruptcy XXXX XXXX-discharged Reference XXXX
Consumer complaint received 2022-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NC)

Equifax keeps on saying the inquiries are valid and are not called and dispute15 times XXXX has removed all inquiries from my report and XXXX is doing the same they will not remove the inquires from my report
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)

Automotive credit XXXX Account reporting references late payment. Payments are on auto pay and they take the full amount out the XXXX of each month. However, for XXXX, they referencing {$43.00} still owed. Attached documents showing the month of XXXX XXXX and XXXX showing the full amount as agreed-upon taken out of my bank account and paid Via auto pay. The XX/XX/XXXX payment if it was not paid would only be a week and a half late at this point not even XXXX days.