davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (TN)

Square OFFERED me an application requesting my social security number ( CREDIT CARD ), to have them manage my business payments and I ACCEPTED their offer next CONSIDERATION took place. I was able to open the account and as soon as I started accepting payments they froze my account withholding all of my proceeds. I called in and asked why my funds were being withheld and they stated because the account was new they needed me to provide documentation before they would release my funds. I provided them with the requested documentation and was told that I would not have this issue again. I had another sale and has my customers submit overall payments through my Square account and again they withheld my funds. The last time I took payments vis Square was on XX/XX/XXXX, and yet they have failed to tell me what I did to be discriminated against and have yet to release my funds in the amount of {$2900.00}. GAAP follows an accounting rule that lies at the heart of the double-entry bookkeeping system called the Matching Principle. All federally insured banks ( FDIC ) must follow what is called the Generally Accepted Accounting Principles ( GAAP ) which are found in the federal statutes at 12 USC 1831n. Anything accepted by a bank for deposit would be considered as cash. Generally Accepted Accounting Principles, XXXX XXXX, XXXX XXXX page 41, Cash and Cash Equivalents. This principle works as follows : when a bank accepts bullion, coin, currency, checks, drafts, promissory notes, credit card applications, or any other similar instruments ( hereinafter instruments ) from customers, and then deposits or records the instruments as assets, it must record offsetting liabilities that match the newly deposited assets. These liabilities ( Demand Deposits ) represent the amounts that the bank owes the depositor, or customer ( i.e., the funds accepted from customers ). I want JUSTICE and REMEDY IMMEDIATELY! 
FTC Report File # : XXXX
Consumer complaint received 2022-11-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Block, Inc. (FL)

I was scammed by a debit card companys own client same bank, person whom has same bank and card. For product that I did not receive and have documentation that client closed account right after transaction/Transfer. 
Contacted Cashapp XXXX told them a customer of theirs whichs shows account opened in XXXX I sent money for a product not received and person closed account and no answer right afterwards. Understand funds are instant but should screen their clients/customer are authenticate if any fraudulent account was open a month ago I would understand but XXXX yrs open and they cant retrieve my funds is unacceptable.I have attached files for reference
Consumer complaint received 2022-11-13
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc. (GA)

I reached out to XXXX XXXX on XX/XX/2022 and informed them that I had yet to revive the cash app card in the mail. XXXX did absolutely nothing in helping me get a new card nor did they do anything to protect the missing card from being used fraudulently. On XX/XX/2022 I raised a fraud claim with Cash App relating to several fraudulent charges that were charged to the cash app card. I took the proper steps and got a police report and attached it to my claim as well which had every fraudulent transaction listed on the police report. Causing hundreds of dollars to be fraudulently charged to my card. On the evening of XX/XX/2022 at about XXXX EST I received several emails from Cash App denying every last one of the fraudulent charges and had a statement to me that said Your account will not be refunded for your ( each amount ) transaction at ( each merchant ) because after reviewing your account details, we determined that no error occurred because this transaction was authorized by you, and Cash App XXXX the payment information provided by the merchant. You can reach out to support for dispute documentation at any time. Details in your receipt. I never authorized any of those transactions and Cash App is displaying unethical business practice by lying on me saying I authorized fraudulent transactions. I attempted to email them from the email address they emailed me from. It did not say that the email was a no reply but the email came back undeliverable. They have put that tactic in place so that customers cant contact them after they intentionally deny claims and to stall customers out and so we have no contact after losing thousands of dollars. The government needs to seriously do something ahoy this company! I have a family and cash app has allowed money to be stolen from me and despite XXXX XXXXXXXX XXXX policy, cash app has simply disregarded. They did not follow the chargeback process and they have absolutely no proof about what theyve stated to me because it is not true.
Consumer complaint received 2024-07-01
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. (NY)

I've found again that my credit report has erroneous information for the XXXX  time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the XXXX credit bureaus must check these accounts ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-05-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

15 U.S. Code 1681c-7, a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information thus from an alleged identity theft, not later than 4 business days after the date reception. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!!! Please delete these items IMMEDIATELY!! These accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S.Code 1681b- Permissible purposes of consumer reports in general to subsection any consumer reporting agency may furnish a consumer report under the following circumstances and no other. In accordance with the WRITTEN INSTRUCTIONS consumer to whom it reaches. I NEVER GAVE any consumer reporting agencies to report anything on my consumer report which violates my rights as a consumer. NO CONSENT IS IDENTITY THEFT. As a consumer who is demanding the deletions of the accounts listed IMMEDIATELY!!!
Consumer complaint received 2022-11-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Block, Inc. (NY)

SquareXXXX is a credit card processing company for small businesses and XXXX XXXX, used for accepting payments. 
I work as a XXXX XXXX and I don't usually use SquareXXXX  as I typically only accept bank transfers as payment. I used it one time to accept a payment and my funds are now being held, which is causing undue strain on my finances. 

Here are the details of the incident : date of service/charge : XX/XX/XXXX description : a client wanted to pay their balance via credit card, and I used the SquareXXXX  app to accept their payment. 
amount : {$1000.00} On XX/XX/XXXX, the company SquareXXXX notified me via email that my account has been suspended and that my funds are being held for 90 days until XX/XX/XXXX. 

XXXX XXXX XXXX depending on these funds for my livelihood, it is not sustainable for my funds to be held for this long. 

XX/XX/XXXX : I called SquareXXXX  customer support and got an automated message that my account is deactivated and I am not eligible to speak with customer service. 

XX/XX/XXXX : I called SquareXXXX again, using somebody else 's phone as my phone number caused the automated message described above. 
I was told that there is nothing they would do to expedite the process of releasing my funds. 

I have a contract and deposit from the customer relating to this sale, SquareXXXX was only used for the balance payment. 

I would appreciate your help with this, as it is very difficult for me to have these funds suspended XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-27
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. (CA)

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( XXXX ) Appropriate identity documentation ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the customer 's identification of the pertinent data ; and ( XXXX ) a customer declaration indicating that the data is unconnected to any transactions. 

XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$17000.00} XXXX XXXX XXXX Balance Owed : {$1900.00} XXXX XXXX Balance Owed : {$1900.00} XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX Balance Owed : {$740.00} XXXX  XXXX Balance Owed : {$5500.00} XXXX XXXX XXXX Balance Owed : {$830.00} XXXX XXXX XXXX Balance Owed : {$44.00} XXXX  XXXX XXXX Balance Owed : {$16.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-05-25
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. (GA)

I am writing to formally dispute a closed account that appears on my credit report that I did not authorize. Upon reviewing my credit report, I noticed that there are closed accounts listed under 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 and I believe this information is inaccurate information because this is NOT my account. After thorough examination of my records, I contest the validity of this closed account. I have reason to believe that the account was fraudulently opened, and I request a comprehensive investigation into this matter. Compliance with reporting regulations : I ask for confirmation that all reporting regulations and guidelines were followed in validation of this fraudulent account.
Consumer complaint received 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-11-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Block, Inc. (TX)

Used atm to get XXXX cash, receipt shows requested XXXX dispensed XXXX ... .Transaction is not approved! ... ..communication error when receiving data. They are saying it will take up to 10 days for me to get my money back. Which they refunded the fees immediately when it was not approved but they are keeping my XXXX for 10 days ... .This is not right, they have all information and copy of receipts to show money was not given but the don't want to give me my money back right away, but they gave me the fees right away ... this does not make any sense of why they are holding my money when it should of never been taken in the first place and they know it. That money was for bills and now I'm having to pay XXXX everyday I don't pay the XXXX back ... .I borrowed this money to pay this bill and they are keeping it for no reason at all and it is causing me XXXX a day everyday they keep it. So, I want them to be responsible for these fees I'm accumulating because they won't return money they know is due me now.
Consumer complaint received 2022-11-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc. (TX)

On XX/XX/2022, I downloaded a direct deposit form from Cash app to give to my employer because I needed to change my direct deposit from going into my current account at the time because my wallet had been stolen as well as some funds from that account. I sent the direct deposit form to my employer as instructed to. My employer deposited my payroll check in the account number listed on the direct deposit form from Cash app on XX/XX/2022 in the amount of {$1500.00} However, I have not been able to access the account because I can not recall the email, phone number or cashtag for this account. I've called cash app several times in regards to this issue that I am having because I really need my paycheck. Every time I speak to a representative they just keep telling me that there is no way that they can access my account by just using an account number, only by email, phone number or cashtag. I feel as though they are not giving me correct information because there just really has to be another way to access my account. I am a XXXX veteran and I really need my money ASAP.
Consumer complaint received 2020-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MA)

I contacted Experian in regards to disputing wrong information on my credit report. They are reporting name, addresses and phone numbers I never had nor authorized. Please I need this items deleted off my credit report. I asked to delete XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX XXXX ma XXXX.
Consumer complaint received 2024-06-29
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. (MD)

When I examined my credit report, I found that certain details were incorrect. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), it is essential for the three credit bureaus to verify these accounts. Failing to validate this information within the legally mandated timeframe without substantiating evidence is not permissible. The accounts listed on my credit report require investigation and correction due to inaccuracies in reportings : 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 EXPERIAN 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 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 XXXX XXXX XXXX
Consumer complaint received 2024-05-27
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. (FL)

The Current address is not accurate. Please help and fix this. Inaccurate previous address. Requesting for an investigation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX : The field is inaccurate and inconsistent with fields from other bureaus. Please investigate and correct the item. Last Verified : A potential discrepancy in the credit report is evident as it doesn't align with other reports. Please verify this, and if necessary, amend it. Date of Last Activity : Possible inaccuracies are present in the credit report for this field. Take the necessary steps to resolve the issue that has been raised. Date Reported : I'm contesting the information in this field because I need you to follow the law and ensure that it is currently 100 % correct, even when it seems to be different from the other bureaus. Please conduct your research and provide me with updated facts. Date Opened : The data reporting for this field poses an issue due to its inaccuracies. Eradicate all mistakes. Closed Date : There appears to be an error in this segment of my credit report as it contrasts with other reports. I kindly request you to examine and address the matter in question. Account Rating : The field provided is misleading and does not align with the reports from the other bureaus. Please ensure that you thoroughly inspect and remedy any errors. Comments : Possible errors exist in this field located on my credit report. I demand that the cited problem be resolved. Account Type : This field evidently has issues that need resolution. I'm insisting on the immediate amendment of this item. 
XXXX XXXX XXXX XXXX : Last Verified : Given the way the credit information is presented, it is deemed imprecise. Make the necessary adjustment as soon as possible. Date of Last Activity : The credit report displayed a field inaccurately, differing from reports of other bureaus. Investigate the information in question and correct accordingly. Date Opened : The field 's information is misleading because it is inaccurate. Correct this field. 
Under the FCRA 15 U.S. Code 1681i - Procedure in case of disputed accuracy its been over 30 days with the dispute theyve Violated my rights and I would like these deleted.
Consumer complaint received 2024-06-27
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. (CA)

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 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CA)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX Equifax Information Services, XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute and Request for Removal of Inaccurate Collection Accounts - Section 1681b ( a ) ( 3 ) ( A ) Compliance Dear Equifax Dispute Department, I am writing to dispute the accuracy of information on my Equifax credit report, specifically concerning three collection accounts attributed to XXXX XXXX XXXX. The account numbers associated with these accounts are as follows : 1. XXXX XXXX XXXX ( XXXXXXXX XXXX ) : Acct # ending : XXXX XXXX. XXXX XXXX XXXX : Acct # ending : XXXX I am asserting that the reporting of these entries is not for a permissible purpose, as required by Section XXXX ( a ) ( XXXX ) ( A ) of the Fair Credit Reporting Act ( FCRA ). I am invoking my rights under this section to request a thorough investigation into the purpose for which these accounts are being reported. 
[ Include the following details : ] Date of Birth : XX/XX/XXXX Social Security Number : XXXX I am specifically requesting the removal of these collection accounts from my credit report due to the failure to demonstrate a permissible purpose for reporting, as mandated by Section 1681b ( a ) ( 3 ) ( A ) of the FCRA. Additionally, I request that you provide a written response within the time frame mandated by the FCRA, typically 30 days, detailing the results of your investigation and any actions taken. 
Thank you for your prompt attention to this matter. I trust that Equifax will conduct a thorough and fair investigation in accordance with the provisions of the Fair Credit Reporting Act. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I sent a letter to remove that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. Ive already included this in my previous Complaint # & I am including it again., 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 XXXXXX/XX/year>