davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (GA)

Unauthorized payments were made on my cashapp account. I was scammed and they got access to my cashapp and they sent large funds to two accounts. I delete the app and my account to stop them from hacking my accounts. I went through cashapp support chat and Ive called a ton of times to tell them to cancel those transactions. I tried on the XXXX and almost everyday since then but have had no luck. They asked for some information to prove my identity through the app and they said they cant do anything since the account was closed. I am trying to get that money refunded so I can pay off a debt to the bank and they are practically refusing to help me. I cant chat or call.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. 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. 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!
Consumer complaint received 2021-12-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (MN)

I have a cashapp account XXXX XXXX that has a balance of a few hundred dollars. I got a new phone for XXXX. I wanted to transfer my cashapp account to the new phone. I logged out of my cashapp account in my old phone. I attempted to log into my cashapp account in my new phone and during the authentication process I receive a prompt stating " we're sending you a link ''. However, no link appears in my email or text messages. Without the link, I apparently can not log in. Now I can not log in to my old phone or my new phone and can not access my funds. 
Section 3 of the terms and conditions states : " In case of errors or questions about your account, you can Contact us through your Account in the app ''. However, I can not log in to contact support. Section 3 also states : " You can also call us at XXXX ... ''. However, when I attempt to call that phone number, a recorded message says they are too overwhelmed to answer calls and that I should log in using the app.
Consumer complaint received 2021-11-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (CA)

Account is closed for not following the TOS they are not telling me what I did wrong our account has been found to be in violation of our Terms of Service and has been closed. While you are still able to access your account and may cash out any remaining funds, all other features, including the Cash Card, have been permanently disabled. 

I dont have specific reasons why, but you can view our Cash Terms of Service at XXXX XXXX XXXX for possible reasons.
Consumer complaint received 2021-11-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (CA)

Cash app lies to customers relentlessly, doesnt answer the phone and when they do lie to you again, offer no actual assistance and make no effort to actually resolve problems that are in a very real way messing with peoples lives? And furthermore they close your account out of spite when you complain about it.
Consumer complaint received 2022-01-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (OR)

In the early morning hours of XX/XX/2021, someone broke into my car by smashing out a window and stole a bunch of my things including my wallet which they found under my seat. Inside my wallet was my debit card, issued by Cash app through XXXX Bank. Between the hours of XXXX XXXX XXXX  am that morning, my debit card was used to make a bunch of unauthorized transactions at multiple different retailers ( see supporting documentation for details regarding the transactions made ). I was asleep at the time, and my phone was turned off, but when I woke up at approximately XXXX that morning, I turned my phone on and received multiple text messages from cash app regarding the transactions. I immediately reported my card as stolen and marked all the transactions made as unauthorized. I was not able to contact Cash app support over the phone, but was able to contact them via they're in app support channel, as I was instructed to do when calling their support number. They let me know that they would be investigating the transactions and would contact me over email with the results. 

Eventually I received an email from cash app support that informed me they had concluded their investigation and decided the transactions made were actually authorized transactions and were made using my pin number. However, this is totally untrue! My card was stolen, and definitely was not the one using it at the register. Nor have I ever shared my pin number with anyone, and it definitely wasn't in my wallet or written on my card, so there is absolutely no way the thief would have known it. Furthermore, all the unauthorized transactions had not been immediately debited from my account, and were initially marked as pending transactions, meaning that they were not in fact debit card transactions requiring my pin, as cash app claimed, but would have been made at the terminal by electing to run the card as credit rather than debit. 
When I pointed this out to cash app, and sent them statements made in their own terms of service regarding the use of my card, I received no real response from anyone. In fact my last message to them went completely ignored.
Consumer complaint received 2021-12-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Block, Inc. (CA)

I was watching a XXXX video, published on the XXXX of XXXX, that contained an advertisement for the digital wallet/finance app 'Cash App '. The advertisement stated, " you can use the code XXXX XXXX [ in the app ] and you get XXXX dollars for free. '' This implies that as soon as you download and type, " XXXX XXXX '' into the app you will receive XXXX dollars to spend. I downloaded the app on XX/XX/XXXX under these pretenses with the goal of claiming XXXX XXXX 

After I downloaded the app and typed in the code, instead of giving me XXXX $ the app displayed the text, " Get {$15.00} when you link a new bank account or activate a Cash Card ( people under XXXX only ) and send {$5.00} '' I only learned about the additional requirements to getting XXXX $ AFTER I downloaded the app and typed in the code, and not DURING the initial advertisement.
Consumer complaint received 2021-12-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (AR)

I used cash app to pay for a service call to fix a fixture in my bathroom. The service company XXXX XXXX service which turned out to be a scam. The business owner wanted me to send him money via cash app to pay for a part I needed for repair when I sent him the money via cash app I started to get suspicious because he continued to tell me he had gotten the wrong part and he needed me to send him even more money. I ended up hiring a real plumber who got the part for {$6.00} when this shady business man lied and said the part would cost almost {$80.00}. I tried to contact Cash App to dispute that this guy was running a scam but they have nothing on their plate form for disputes.
Consumer complaint received 2023-04-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I reviewed my Consumer Reports and noticed that I had XXXX late payment on an account that I was never late for.

Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thank you.
Consumer complaint received 2024-09-14
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: EQUIFAX, INC. (OH)

Im not liable for this debt Creditor : XXXX XXXX XXXX XXXX I don't have a contract with this agency.They didn't provide me with original contract as requested nor my signature The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX # XXXX, has violated my rights. 

This account is my Ex wife XXXX XXXX XXXX ) account.I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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.

This account shouldn't be on my credit report. They still haven't provided my signature where I signed original paper work they just changed the account to volunteery repossessed & 1 late payment of XXXX where there is no proof of me paying anything late
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MI)

There was Fraudulent charges on my XXXX XXXX XXXX XXXX From XX/XX/year> to XX/XX/year> Also fraudulent hard inquiries recently added to my credit report. We already had this tried to delete these. I filed a complaint wuth the FTC and attached the report report. accordance to the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights privacy and confidentiality under 15 use 1681 Account names : 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 U.S.C. 1681 SECTION 602 A. STATES I HAVE THE RITE TO PRIVACY. 15 U.S.C.1681 SECTION 604 A SECTION 2. IT ALSO STATES THE CONSUMER REPORTINGB AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 U.S.C.1681C. SECTION STATES : NO CONSUMER REPORING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAIN ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION OTHER THEN RECORDS OF CONVICTIONS OF CRIMES WHICH ATTEDATES THE REPORT BY MORE THEN 7 YEARS 15 U.S.C. 1681S-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATED 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 2021-12-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (AL)

I've been using my XXXX XXXX  account everything was working fine as far as sending and receiving money threw with no problem, using cash app. Then suddenly after maybe a month using cash app by linking my XXXX XXXX debit card, things just went left out the blue. The transactions would go threw for like 1 minute then it will just fail, saying for my protection there cancelling the payment and I mean this is over and over every time I do it. It's been doing this for months now, but don't get me wrong after so long not linking my card with cash app it will send 1 payment right threw and it sticks. But soon as I try to make another transfer threw the cash app system its blocking and cancelling any transactions I try to process XXXX my bank tells me there's nothing wrong on there end with my card nor account. And to contact cash app but cash app a tell me to contact my bank when the transactions are failed I know for a fact it's not XXXX XXXX, it's cash app but there telling me it's my bank XXXX cause I've just did a transfer XX/XX/XXXX ,2021and the XXXX  $ payment went threw but this is after not linking my XXXX XXXX bank card in like an month, okay the payment sticked it processed and went threw but after like an hour later I tried to send another payment to the reciepent, the payment failed XXXX then I called my bank it's not on there end then I called cash app and there saying it's not them when I'm knowing it's on there end, I really need this fixed own know what's going on with cash app when it comes to me using there system they are constantly closing all my accounts and asking me to very my identity it want let me order an cash card when I use my previous address, it's like whenever I make an cash app with my name which I have made over 30 accounts dew to the fact of them always closing my accounts. Seems like when they see my name on an new cash app they never let me order an cash card never let me add money from any cards I link with them to my cash app account. And after so long of using the new account they finds out I have another account it the blue it's telling me to verify my identity XXXX and what's so crazy I can send my photo ID threw the QR scanner and after the processing of 24hrs to confirm the results they still can't verify its me XXXX own know what's up and why cash app got a bad alert on my name and address but please fix this
Consumer complaint received 2021-12-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (MN)

On XX/XX/2021 there was a fraudulent transaction from my account issued to a XXXX in the amount of {$6000.00}. " XXXX '' was an ex-boyfriend who apparently had stolen my phone and sent the money to himself after turning off my notifications to my number and changing his cash tag to XXXX from XXXX. I immediately contacted cash app and inform them of the fraudulent transaction and they had me fill out the normal paperwork and said that in 10 days they would give me an answer after multiple times I'm trying to reach out to them through phone calls emails and chat messages I was able to get nothing resolved until far after the time to which they informed me that it was a non fraudulent transaction because said " XXXX '' and I had previous transactions. I also inform them that this XXXX had changed his name and had also deactivated his cash app account immediately after he did this. I tried to reach out to them again and explain to them that this was not an authorized transaction there had never been any transactions anywhere close to the amount that about that night the biggest transaction was {$600.00} that he paid to me for a broken TV and yet they still to no avail would do nothing about it and told me that their decision was final {$6000.00} is a lot of money to lose out on due to cash apps negligence and failure to protect me and my account.
Consumer complaint received 2021-12-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (GA)

I made several calls to CashaApp concerning my direct deposits and all they could tell me is how to find my account number/routing. I called Social Security and they said that it had been deposited into XXXX XXXX and it was not the same account number as CashApp. Then we finally called XXXX XXXX  to see what happened. Social Security and myself was told that They are no longer in partnership with CashApp since XX/XX/2021 and that CashApp was supposed to have sent out letters or email letting us the consumers know of these changes, but we received nothing. Because of this my money is stuck in ciber space waiting to be returned back to Social Security and I am waiting more days for a deposit that I should have had on the XXXX of XXXX.
Consumer complaint received 2021-12-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc. (WA)

On XX/XX/XXXX at XXXX I contacted support at casbapp and explained h wanted to dispute a charge. I allowed a so called friend to use my phone to call his ride and he sent him self money. Wasn't authorized but they did nothing to help. My bank said it's cashapp who needs to fix it and cashapp says it's my bank. That brings me to yesterday. XX/XX/XXXX I was given {$45.00} from a friend to go shopping at kale a local store. It took roughly six hours to make it available. I cashed it out. Now I already did my shopping. Later that evening I went to dinner with friends and tried to send my friend XXXX {$50.00} for my cost the if the meal. Cashapp abruptly refunded the money my balance " for my protection ''. So I tried to cash out the funds I just loaded from the same account and card and it then locked my account. They then over the next 8 hours 3 different times told me I could access my funds and first I needed to cash it out onto a new card. The I needed to use with my casbapp card and lastly well you can try but I can't say it'll work. I was told for 8 to 10 hours I would access it within 24. Now that we are half way there it's changed to 24-48. They are being dishonest and there is no transparency. How is this not unjust enrichment? Here is the entire chat. At one point when I explain this caused me to be cited by local police for theft of service and how important it is for a business that allows it self to be used as a banking service to hold them self to that same standard and the rep clearly responds mocking me. I have never gotten so much as a speeding ticket and tonignt I looked like a XXXX  or XXXX XXXX because cashapp decided I am not allowed to have my money or pay for dinner.
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I've asked for investigation of two account that are reporting improperly on my credit report with several inaccuracies and incomplete items. I need the company let me know the method they used to verify this account as accurate reporting. Is my understanding that the company has to follow FCRA laws. The impact on my credit worthiness of this error are hurting my ability to obtain credit.
Consumer complaint received 2021-12-07
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. (DE)

On XXXX XXXX my Cashapp virtual card was charged {$590.00} and {$65.00} from a company called XXXX. I notified cashapp about the fraudulent charges and they have not refunded my money back to me.
Consumer complaint received 2021-12-25
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. (NV)

On XX/XX/2021 I purchased a fiber optic XXXX tree online and paid with my cash app debit card {$41.00}. On XX/XX/2021 I submitted a request to cash app to dispute the charge because I have not received the tree and I tried reaching out to the merchant but received email address not found message back. Which after submitting my request to cash app I decided to officially email a dispute request letter to cash app and signing as well and attach screenshots of the email address not found message that I received which I did that on XX/XX/2021. So after I emailed the dispute letter I decided to follow up with cash app to make sure they received everything they needed to start their investigation. So I chatted with them and the representative assured me that yes they did receive everything and that I would receive a response from them 10 days from the initial date that I submitted the dispute which was on XX/XX/XXXX so 10 days was XX/XX/XXXX and he also gave me a claim number for the dispute. On XX/XX/XXXX I contacted cash app to check on the status of the dispute and the representative told me that I didn't submit the request and therefore they haven't done anything so I needed to go start the whole process over again. So I said I have screenshots of me chatting with you guys a few days ago and I was assured that you guys had everything you needed. And then he left the chat so unfortunately I have not been able to get anywhere with them. The dispute letter that I emailed I had actually gotten it from your website the template. Here is my cash tag name XXXX XXXX and the case number is XXXX.