davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (IL)

Transaction dates= $ 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 These are all labeled and and sometime between XXXX XXXX I paid XXXX XXXX XXXX {$750.00} for deposit plus security and application fee again after i tried to pay by XXXX and said she cant ' accept that in her system. 
I never moved in that location and have waited for a month to try and move in but it was a process that kept requiring another payment because of their system couldn't accept a payment or kicked back payments and i ended up having to repay and the process got stretched out for too long. It could have been misleading and now there charging me a termination fee of $ XXXXThis process is very risky due to the pandemic with me going in between places and not having a solid location for protection. 
This is a very serious manner for me to relocate as this was a rental lease that was terminated.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

This account has been requested to be removed ASAP How ever this account is in error not authorized by me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc. (PA)

About complaint XXXX. I never made the payment I say and the payment is unauthorized and here is my cash app dispute chat number is XXXX and y'all read the wrong chat history didn't read the right chat and y'all also closed my account for no reason when I kept complainting to y'all about my dispute and I also want my account to be reopen and my dispute filled and also credit my money back to my cash app account here is my dispute information again 1. What is your legal name, $ XXXX, and email address and/or phone number linked to the account associated with the 'unauthorized ' activity? XXXX XXXX XXXX $ XXXX 2. What are the dates/times and amounts for the transactions that you believe are in error? XXXX $ XXXX  {$28.00} 3. Why do you believe the transactions were unauthorized? This is the three time I have a unauthorized payment sent to the same user I never sent it to her or don't know her 4. Were you instructed to download any other apps other than Cash App to access the account in question? No 5. What is the make and model of the device ( s ) you were logged into when the transactions took place? XXXX 6. Which city & state were you located in when the unauthorized transactions took place? XXXX Pennsylvania 7. Did you forward or provide any account access information to a third party? No 8. Do you have a PIN set up to authorize payments? If so, did you share your PIN with anyone? No 9. Do you have possession of your device, if not, when did you last have possession of your device? I didn't have possession of my device when I was sleeping before I want to bed I did someone probably guessed my cash app pin who I don't know and changed my pin but I changed the pin.
Consumer complaint received 2021-10-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (IN)

Beginning XX/XX/21 through XX/XX/21 I had several aunauthorized transactions to a merchant called XXXX on my cashapp account which is serviced by square. On XX/XX/21 I contacted cashapp support and they filed a dispute on those transactions. I received a partial credit for a few of the transactions however there were still 31 transactions for {$99.00} each that I did not receive credit for. They then tell me in an email on XXXX that they will not be returning the remaining funds and they have no additional information and for me to reach out to the merchant. I explained I did attempt that however i never received a response. I emailed several more times asking why the dispute was denied and was never given a reply or a reason. I resubmitted the dispute on XX/XX/21 and was told I would receive an update in 10 business days. Today is the 10th business day and still I have not received anything.
Consumer complaint received 2023-04-10
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. (FL)

In accordance with the Fair Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602a States I have the right to privacy.

15 USC 1681 section 604a section 2 It also states a consumer reporting agency can not furnish an accurate without my written instructions.

15 USC 1681c ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-10-18
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. (MO)

On XXXX XXXX 2021 an unauthorized charge was made on my account, and immediately the card was reported as stolen. XXXX then arranged for a refund, for the amount of the transaction in {$81.00}. I have been dealing with XXXX who stated they definitely issued the refund back to my card, which at the time was reported stolen, but Cash App, or XXXX XXXX, reassured me that it would go to my new card. I have been given a complete runaround by Cash App or XXXX XXXX  since. I can't ever speak to a human being, they keep telling me they need my email address in order to escalate this, however no one has contacted me in regards to this transaction. I have contacted them over 50 times, and every time they take my email and say they will be in touch with me, but no one ever contacts me. I've been dealing with this since XX/XX/XXXX. It is now XXXX XXXX, and my refund has yet to be returned to my card. I get no answers as to when this refund will be issued back to my account, and again can't get any resolve to this issue. This was the second refund to be issued to me by XXXX, one was received but this one has gotten no answer as of yet. This is a Cash App or XXXX XXXX  issue since the store issued the refund on their side. Most recent case number is XXXX.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX  XXXX : number : XXXX
Consumer complaint received 2021-10-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (CA)

I discovered fraudulent account access in XXXX and reported the first two related unauthorized charges I noted to Cash APP XX/XX/XXXX. 

As they routinely do, cash app has failed to comply with their obligations under regulations XXXX & XXXX and have thusly failed to issue any provisional credit or request an extension to investigate further as required by law. 

This has happened before. Often I believe they will close accounts or reverse a different credit so as to avoid their obligations under the regulations by sending the account into the negative so they do not have to pay out any funds lost due to fraudulent EFTs. 

In my case I have noticed fraud somewhere between XXXX and XXXX dollars, and cash app continues to just tell me is being Looked at without any issuance of provisional credit even after two weeks. I want the CFPB to look at the systemic non-compliance shown in the handling of disputed transactions or errors and unauthorized payments by cash app and other similar services such as XXXX XXXX XXXX.
Consumer complaint received 2021-10-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (CA)

On XX/XX/XXXX I booked a one night stay through XXXX  with my cash app card. When I got to the hotel they had no rooms available. XXXX did not refund the {$66.00} I spent in for the room. 

I had to wait till the transaction actually posted or completed to file a dispute and now on XX/XX/XXXX cash app is talking about they don't have enough info. They want me to contact the merchant to obtain something in writing from them. I have refused as I thought this was there job as part of the dispute process. And they have not returned my funds either.
Consumer complaint received 2021-12-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Block, Inc. (IL)

On XX/XX/21 I received an unsolicited Square Business Debit card in the mail. The card has my name on it. It was sent to my address. I do not have a Square account and have never ever dealt with Square for any reason. 

There was no other information included other than an instruction to " Activate your card in the Balance section of your Square app or web Dashboard ''. I looked up the Square website to compare the contact info on the card with the info on the site, however there is no contact info on the card except for a web address. There is also no phone number to be found at all on the Square site. I finally found the number on another site called " XXXX XXXX ''. I called and got Square Customer service and spoke with someone named XXXX. 

I explained to XXXX that I received a Square Business Debit Card unsolicited and that I was calling to find out what is going on. He asked me for my name and email address. I gave him my name but refused to give my email address. He said he could not look up " my account '' without the email address. It told him that I do not have an account. I am not a Square customer. I am simply trying to find out why your company sent me this debit card that I did not request. '' He asked for my date of birth. I again refused. He said he could not help me if I wouldn't give him any info to look up anything. I offered to give him the information on the card that his company sent to me, he said he couldn't look up anything using that info??? He then transferred me to another customer service group who he said may be able to do that. 

I spoke with XXXX who asked me for the same info. I repeated my response to him and asked why he needed any of my personal info and offered the info on the card that his company sent to me. He said he could not do anything without my name and email address. I reluctantly relented and gave him my email addresses. He said he could not find an account under either which is not surprising since again, I did not request this card so why would they have my email address??? I did not get an answer to that question. XXXX put me on hold 3x stating he needed to look into something. He finally came back and said he couldn't help me because he could not pull up my account. I told him again, " I do not have an account, I was sent this card out of the blue and I am trying to figure out what this is about ''. He put me on hold again and came back and asked for the last 4 digits on the card. I gave it to him. He then said that he would escalate the matter and that I'd receive a response via email by Monday ( today ). I have not heard anything from them. This is completely unacceptable to me. 

They should be able to look that up without any info from me other than what was on that card since they sent me the card in the first place. This is a very sketchy, shady situation and I do not appreciate it at all. I received zero answers from Square. I need answers.
Consumer complaint received 2021-12-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc. (OH)

My complaint is against cash app. Or square inc . 
On XX/XX/XXXX I was incarcerated. Being pulled over. Because my vehicle was on private property they did not tow it. 
On XX/XX/XXXX my car was broken into and the criminal XXXX XXXX stole my cash app card. He then used it for multiple purchases exhausting my money on the card of {$470.00} I noticed this when I logged back into cash app after being released from jail on the XXXX. I immediately started disputes. Due to the fact that I didn't have my cash card I can not access my email address associated with the account. I also didn't have the phone and number associated with my cash app. It would not let me log in. I have called and emailed cash app several times and each time they go through the whole process until the very end where they tell me they're going to try a one time money transfer between my existing and current accounts. ... They always come back to say due to security reasons we can not grant you access to this account. And when asked why? they say unfortunately we can not provide me with any further details. And that's all that happens. I have tried explaining to them I have tried to prove it to them with different information and they still can't help me out.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX To : TransUnion XXXX XXXX XXXX XXXX, PA XXXX **Subject : Request for Removal of Incorrect Phone Number from Credit Report** Dear Sir/Madam, I am writing to formally request the removal of an incorrect phone number that appears on my credit report. The details of my request are as follows : Name : XXXX XXXX XXXX XXXX. 
Social Security Number ( last XXXX digits ) : XXXX Date of Birth : XX/XX/XXXX Phone Number to be Removed : ( XXXX ) XXXX According to the Fair Credit Reporting Act ( FCRA ), I have the right to request the correction or removal of inaccurate information on my credit report. The phone number mentioned above is incorrect and should not be associated with my credit profile. 

I kindly ask that you investigate this matter and update my credit file accordingly. Please remove the erroneous phone number from my report and send me a corrected copy once the changes have been made. 

I have attached a copy of my identification ( drivers license ) and a bank statement to verify my identity and address. 

Thank you for your prompt attention to this matter. I expect that the inaccurate information will be investigated and corrected within the timeframe required by law. 

Sincerely, XXXX XXXX XXXX XXXX. 

**Attachments : ** - XXXX of ID - Proof of Address ---
Consumer complaint received 2021-09-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Block, Inc. (WV)

Beginning in XXXX, my XXXX  used Square for all credit and debit card processing. However, at the end of XXXX and the beginning of XXXX, we noticed an error. The money that we were collecting via Square did not match what was being deposited into my XXXX  account. After contacting Square, they launched an internal audit. After several weeks, Square contacted us and said that we were owed north of {$40000.00} from XXXX. They stated that I had two accounts with them and some of the money was hitting by checking account and the rest stayed in their system and was never deposited. After this discussion, we were promised that we would be mailed a card with the funds on the card. However, we never received that card. The two points of contact from Square stopped responding to emails in XX/XX/XXXX. We have not heard from them since that time. 

In addition, Square reported the wrong information to the IRS. The 1099s that Square sent to the IRS were for the amounts we should have received, not what we actually received. Therefore, I now owe back taxes on money that I never received.
Consumer complaint received 2021-09-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Block, Inc. (GA)

I use Square to process credit card transactions. They processed a credit card transaction for {$15000.00} on or about XX/XX/XXXX. They first froze the transaction because it was large. We sent documentation to them initially and they released the transaction. The customer filed a complaint with XXXX bank and sent it to Square. Square then reversed the payment on or about XX/XX/XXXX. The customer then informed their credit card company XXXX XXXX  that the dispute was dismissed by him. XXXX sent a letter and transmission to Square on XX/XX/XXXX that the dispute was lifted. XXXX sent the money back to Square. Square has been holding our money since that time. We have tried multiple times to get a hold of Square with no luck. They have no number to call. If you call their main number, it goes around in an endless voice prompt system. You can never get a person on the phone. I have tried emailed them several times with no response. I have also sent a demand letter to their corporate office in XXXX XXXX with the release letter from XXXX. I have had no response. I have reviewed the complaints about Square which seem to be the same experience I have had. They have no way to get in touch with customer service. They will not return your inquiries. 

I believe they are doing this to hold money and earn the interest on their customer 's money. I have attached the XXXX letter that I also provided to Square.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$6300.00} XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$390.00} XX/XX/XXXX XXXXXXXX XXXX XXXX  {$1300.00} XX/XX/XXXX XXXX XXXX XXXX  {$290.00} XX/XX/XXXX XXXX XXXX XXXX {$2600.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$950.00} XX/XX/XXXXXXXX XXXX XXXX {$4600.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} XX/XX/XXXX XXXX XXXX XXXX {$8500.00} XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.