davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc. (CO)

I went to make a {$2.00} purchase at a XXXX XXXX  on XX/XX/XXXX and it declined. I didnt think much about it because I usually lock my card when its not in use and thought I just forgot to unlock before going to store. 
In XXXX I made a cash deposit into my cash app account to cover a purchase and a bill. When I went to make the purchase it declined. I looked to see if my card was unlocked and it was. At this point I reached out to support and was told they were investigating a fraud claim. I asked for what? They could not tell me. 
I checked in with support every week for 3 months and it is still unresolved. 
I reached out to my state attorney generals office and they recommended I seek assistance from the state attorney generals office where they are located to file a complaint. So Cash Apps corporate office is in XXXX XXXX CA, BUT the banking partner for my area is XXXX whose corporate office is in Ohio. So I do not know who to file on. XXXX refers any problems back to Cash App, but it is their card that is locked. I am so tired of getting the run around and having zero resolution in 6 months time. I requested they issue me a certified cashiers check if they are not going to unlock my account as that is MY money. It was not sent to me by anyone. 
Any time I have had an issue about any transactions it has NEVER taken ANY financial institution more then 10days to resolve it. My current phone number, address, and email are on my cash app account, there is no reason for this! 
I went through an identity theft in XXXX that took 8 months to resolve through the state and federal government but I have been verified and most of the issues were resolved, so I thought.
Consumer complaint received 2024-08-03
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. (IL)

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 name : XXXX  # XXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXX  XXXX XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX  # XXXX has violated my rights. 
I looked at my TransUnion 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 ) ln generally. 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- ( ) 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 ( il ) promptly notify the furnisher of that information that the information has been modified or 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.
Consumer complaint received 2022-10-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Block, Inc. (GA)

On XX/XX/2022. Someone hacked my cash app account through my device that was stolen. A total of {$7000.00} was taken from my account, after that I explained to cash app that my device was stolen and its saying the Login was through Texas. I am not based in Texas. They sent me a response the very next day stating that the dispute is closed. Cash App failed to properly conduct an investigation and didnt guarantee the safety of my money. {$7000.00} was uploaded in increments of {$500.00}. I explained to cash app that if they dont cooperate I will be forced to take legal action. Once I replied they responded Your account has been found to be in violation of our Terms of Service and/or our Acceptable Use Policy, 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 XXXX XXXX, have been permanently disabled My account was disabled for requesting my money that was stolen because they didnt have any protocol to protect me. Cash App has conducted negligence on many levels. I asked numerous amount of times what did I violate and nobody gave me an answer. The company also went out their way to make my account negative. How do I have a negative balance for something that is their fault. They shut down my account and refuse to give me back my money. I will not pay cashapp for their wrongdoings. They also removed all of the transactions that showed they allowed someone to remove a great amount of money from my cashapp.
Consumer complaint received 2022-10-10
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Block, Inc. (TX)

CashApp closed my original account without warning $ XXXX and cashed the funds out to an invalid debit card tied to a closed account because of a technical issue their app was experiencing that would not allow me to update my information prior to closing the account causing me to no longer have access to it. My XXXX XXXX  account was closed on XX/XX/2022 and CashApp sent my money to that closed account on XX/XX/2022. The amount of the cash out was {$110.00}. I have provided my bank with the transaction ID given to me by CashApp and they confirmed they do not have a record of this transaction or any other made to my bank account since XX/XX/2022 and had they sent it on the morning of XX/XX/2022, it would have been returned to the sending bank automatically per bank policy by eob on the same day. I have provided CashApp with a copy of my most recent and final bank statement from XXXX showing the account closed on XX/XX/2022 with a XXXX balance. I have done all of these things three times to many different chat support agents, phone support agents and XXXX supervisors to no avail. I have been disconnected in both chat and over the phone, and I have never once received an email or a phone call from anyone with CashApp concerning this issue, despite being told by all 3 supervisors and at least 20 different agents on both chat and calls that I would be contacted within 24 hours. Today is now XX/XX/2022 and I still do not have my money. My money. My husband of 35 years passed away on XX/XX/2022 and I lost my job as a result on XX/XX/2022 and currently have no way to support myself and I have this company stealing my {$110.00}. This is completely unacceptable and their support and service is absolutely abhorrent in nature. I expect to receive a call from an executive level escalation specialist or a manager in their payment processing team by EOB today or I will be contacting an attorney and we will not be filing a class action, but a civil/financial suit for theft by XXXX tomorrow. 

Thank you, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-10
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. (CA)

I received a Cash App XXXX XXXXXXXX  card that I did not request via USPS on XX/XX/2022. 
A form of my name is printed on the card, along with what appears to be a username for a Cash App account, which I do not have. I believe a fraudulent Cash App account has been opened using my identity to allow criminal mobile phone payment activity to occur. This XXXX XXXX card is a compliment to the mobile app account that was fraudulently opened and I only discovered this because it was sent to my home address. I contacted Cash App Support on XX/XX/2022 at XXXXXXXX XXXX and spoke with a Customer Service Rep regarding this suspected fraudulent activity. During this difficult customer service call ( the rep had problems correctly recording my legal name and email and I did not have the impression of complete understanding of my issue ) I requested that the card and account be closed ASAP. She sent me an email with a link to upload photographs of the Debit Card to begin the process of disabling it, which I submitted on XX/XX/2022 at XXXX XXXX. Nothing was mentioned about disabling the associated fraudulent Cash App mobile phone account so that is one of the reasons I am filing this complaint.
Consumer complaint received 2023-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MD)

Over the past 8 months I have writing over XXXX plus letters to multiple credit reporting agencies for the inaccurate information that they have been reporting to my credit report. I have also written many letters to CFPB as well, informing them of these problems as. I have accounts on my report that according to the FCRA should not be reported such as age out accounts, accounts that have been re-aged, public records ( which do not even report to the credit bureaus in the State of Maryland but use XXXX which is a third party in which I also reviewed my report with them and they don't have any records of my filing bankruptcy ) and inquires that I have not authorize all in which fall under the FCRA XXXX XXXX ( A ) ( B ) and because of the erroneous information being reported on my credit report I am unable to purchase a home. XXXX  XXXX XXXX  XXXX  was open XXXX been on my credit report for XXXX and 8 months, FB XXXX XXXX XXXX XXXX open XXXX been on my credit report for XXXX and XXXX ( not to mention I no idea who this company is ). I would like to have all the erroneous information removed from my credit reports. I have done everything that I can to have this happen but to no avail. I have reached out to an attorney to file a lawsuit against these companies and is currently waiting on my appointment date to begin the process. Again, am just asking that these companies report accurate information in which they are required to do due under the many rules and regulations that is governed by the FCRA.
Consumer complaint received 2022-10-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (CO)

Someone on XXXX was selling tickets to the XXXX vs XXXX game for {$160.00} for two tickets. They stated they would transfer the tickets to me thru ticketmaster as long as I sent them payment of {$160.00} thru Cash App. I sent them {$160.00} thru Cash App and never received the tickets. I contacted them thru twitter again several times via direct messaging and they eventually blocked me. I reported the account to XXXX and no resolution came. XXXX also has a policy in which reported DMs ( direct messages ) and conversations will disappear from your inbox and can not be recovered. That makes no sense to me, considering if you are reporting an account for fraudulent/scam behavior why would XXXX remove that conversation after being reported? From there I reported the transaction as a scam with Cash App and requested a refund thru Cash App on XX/XX/22 and they stated they would let me know the outcome on XX/XX/22. Cash App responded today on XXXX and said " We're truly sorry, but we were unable to recover your money. However, your report will help to prevent future scams. Thank you. '' This response and resolution is unacceptable, especially given the lack of response from Cash App for over two weeks. Neither XXXX or Cash App was very helpful or provided guidance as to how I can recover my money or report this scam to get further assistance.
Consumer complaint received 2023-02-13
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: EQUIFAX, INC. (AZ)

In accordance with the Fair Reporting act. The Lists of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX Account name XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section : 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 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-20
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. (IL)

PLEASE BLOCKED AND REMOVED. 
I want to emphasize that I did not authorize the opening of these accounts, and I suspect fraudulent activity. I urge you to thoroughly investigate these accounts and promptly remove them from my credit report. I have provided supporting documents to substantiate my claims. Your prompt action in resolving this matter is greatly appreciated.
Consumer complaint received 2022-10-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (FL)

I intended to purchase goods from a user on CashApp, I was going to purchase 2 concert tickets and transfer only half of the amount for one ticket in good faith to ensure the transaction was legitimate. The person took the money, and never sent the ticket which is a dispute concern of no merchandise received. When I attempted to request the money be returned, the user then refused and blocked me. I went through cashapp and submitted a case for review reference ref : XXXX via email. After telling them what their responsibilities are in reference to the updated info supplied by the CFPB regarding XXXX companies and their due diligence to consumers regarding the EFTA laws they chose to state they are not responsible and closed my case out stating it had been more than 3 days since they received a response from me when that was not the case and all of this took place in one day on XX/XX/2022. They are flat out ignoring federal law and their own due diligence. They refuse to even investigate or initiate a chargeback even after I presented them with links from the CFPB website regarding their responsibilities. The amount was for {$55.00} dollars on XX/XX/2022 and the funds were taken from a XXXX card which has rights to dispute under chargeback reason code merchandise not received. It will be disputed now through my bank for this purpose since the merchant refuses to take any action at all to protect me as a consumer in this situation. More consumers will be taken advantage of if nothing is done to hold entities like this accountable for their blatant lack of action or regard for the law. Thank you for your time, I am here if any further information is required as I have the email chain with CashApps manager I spoke with, the chat chain with their representative, and proof of conversation with the alleged seller of the concert tickets in regard to what the agreement was to be regarding the sale of said item. Have a wonderful day.
Consumer complaint received 2022-10-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Block, Inc. (MD)

Cash app has reset my password sends me notifications to my email not associated with the account. I have asked them to do the following. 
Link all account to email and phone numbers to one account. 
Reseting password continuously. 
Reported problems regarding sending notification to emails not on profile. And not receiving notification on email associated on profile. I have been told by cash apps that has confirmed by text. When I email them the tell me to change password and pin. 
I am currently a victim of id theft. 
I have had cash App accounts on theses emails and phone number listed below. 
XXXX personal XXXX XXXX business XXXX XXXX XXXX XXXX personal XXXX I believe XXXX XXXX XXXX XXXX XXXX It seem that every email I have created has been compromised. 
I have no idea if other accounts have been created. 
I have been told by my XXXX  credit id theft stated my phone numbers have been compromised my a XXXX XXXX. During the time I use my phone with another carrier. 
When I look on my back logs on my phone the information states I have multiple devices on my account. 
I have reported this to you with XXXX  account who breached my information. 
I have submitted a XXXX  sent them every card number and email I can Remember. 
Please contact me at XXXX XXXX XXXX XXXX XXXX md XXXX. 
I currently work at XXXX XXXX  at XXXX. My current number is XXXX. 
Please help. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I'd XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2022-10-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Block, Inc. (CO)

Square/Block Inc. - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  - Lender In XX/XX/2022- I was informed by Square ( payment processor ) that I had a UCC filed under my company. I did a quick search and noticed nothing was under my company through the XXXX of XXXX - Colorado. I also did a national search, not data. I sent multiple emails to Square in regard to the fraudulent UCC filing. Square would not recognize nor accept my evidence. I asked several times for them to provide the record number of the UCC filing. They did not and would not provide any information. The only information was to contact the lender XXXX XXXX- however, in doing so, they were not able to provide that information. 

After several months as I went back and forth with Square asking them to do the due diligence and research my company for UCC filings. They ( the XXXX XXXX  division ) refused to even respond with evidence of this. I was forced to reach out to the lender and work out a payment plan, in order for my funds to be accessible through Square. After 2-3 months of working hard, I was able to pay off the lender. I asked if they could provide me with the original filing of the UCC. I did research on the filing number .... WOW I said to my amazement the UCC was filed with the wrong business name. I mentioned many times to Square that there was not filing under my business name. 

This is classified under the XXXX code as " serious missleading ''. Not accurately checking the correct name of my organization is an egregious mistake and is punishable. 

I 100 % blame Square/Block inc. for not doing their part to accurately check/research the information provided, the customer agent were unprofessional and they could only escalte my issue, which took over 2 days to respond, so I havent ' bee responded to. In total, I lost over XXXX, not beign able to stock inventory, late payments of rent, in the process of eviction at my residence, lost of revenue at business and a drop in credit score b/c of late payment. I was not able to access any of my funds for over 2 months.
Consumer complaint received 2024-05-20
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: Experian Information Solutions Inc. (WA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2022-09-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Block, Inc. (WA)

On XX/XX/XXXX XXXX PM I enabled a 2 % off promo in Cash App to be used with my card, I went through the app as it has you checkout on XXXX through app to get the discount, after placing my order on XXXX from inside the Cash App app I noticed the 2 % off boost was not showing up on the transaction despite having done the checkout in app just like it said to do. Their was no fine print besides this Expires in 8 days 2 % off each XXXX purchase, Min. Purchase of {$1.00} Max discount {$50.00} valid once every hour shop in cash app to redeem the transaction was done in app as it stated and it was for {$39.00} totally meeting the requirements. I contacted support to which they told me this exactly - Category Boosts can only be used at stores that sell items from specific categories. For example, the Grocery Store BoosXXXX can only be used at grocery stores. While XXXX does sell groceries, the Grocery Store Boost wouldn't work since they're more than a grocery store. I know it's frustrating that there isn't more I can do to help in this situation. Please let me know if you have any other questions I can help with. 

The response makes no sense as Im not using a Grocery store boost at XXXX Im literally using the XXXX boost at XXXX through the app like they state you have to. 

This is deceitful advertising and luckily this transaction was small but what if it was larger? I believe I am still entitled to this promo as it was advertised and not delivered support refuses to provide anything but that copy paste generic response. 

I have attached screen shots of the promo, the charge showing no boost, the overview showing how charges look when a boost is applied and the screen recording showing me going through the purchase