davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (AZ)

On XX/XX/2022, I opened up and created a Square account for my business, XXXX XXXX XXXX XXXX. In creating the account Square requires business and personal information to be submitted. After this information was submitted, my understanding was that I was approved and okay to start transactions. On XX/XX/2022, I created an Invoice and billed a customer for service. On this same day the invoice was paid. This is a long standing customer with my business that I've had multiple successful transactions with thru XXXX XXXX. 

Once this payment was made, I logged into the account to figure out how to transfer the funds into my external bank account. I kept getting an error message. Later on that day I get " Urgent '' an email stating that Square is requesting additional information in order to get my business. I feel that this is information that should have been requested BEFORE granting approval and access to use their platform. I submitted all of the requested documents and information. The next day on XX/XX/2022, I get an email stating that they didn't approve the information I submitted and that my account would be deactivated. All that's fine, however, the problem at hand is they have my funds placed " on hold '' for 90 days. I don't know in what business world that this is legal and not fraudulent. To me it's like a bait and switch. They bait you in to create an account, you do a transaction, they ask for additional information, deactivate your account but KEEP your funds " on hold ''. Brick and mortar banks hold transactions for 21 days BUT 90 days?! This is RIDICULOUS AND TOTALLY UNACCEPTABLE AND NEEDS TO BE INVESTIGATED ESPECIALLY IF THIS IS THEIR NORMAL BUSINESS PRACTICE. 

I had called and spoke to a customer service representative one time and they had no answer except to wait for the 90 days. I requested a supervisor and/or to escalate the call and issue and was told that the Security Team does not take calls. Thereafter, any time that I tried calling in, they threw my phone number in a loop to where I was only able to hear robotic messages and not get thru to a human being. I called today and blocked my number, got through to a customer service agent and once he pulled up my information, he became robotic basically repeating the same stuff that the automated message line was telling me. Again, I asked for a supervisor and/or to escalate the call, he refused and the said he was ending the call and hung up on me. 

All things aside, I WOULD NEVER do ANY other business be with Square or refer them to anyone. At this point, I just want my rightful and legal funds to be transferred to me IMMEDIATELY and not after a 90 day hold.
Consumer complaint received 2024-05-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CapitalJ Inc. dba Juno (CA)

Since XX/XX/2024 Juno. Finance stopped offering 5 % APY interest on my checking account. I attempted to withdraw my account balance with ACH pull and the transaction was declined. I then tried to ACH push funds to my account and Juno declined the transaction. 

It is unfair business practice to cancel interest paid AND refuse withdrawals on my account.
Consumer complaint received 2024-05-23
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. (OH)

I am receiving a letter from the bureaus saying that I am not the one who sent the letter for inaccurate accounts and unauthorized inquiries on my credit report. this is not true because I myself send my letter to the bureaus. This is a list of negative accounts that I want to delete. 
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 2022-11-21
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: Block, Inc. (FL)

Today, I called The Cash app customer service due to not receiving my XXXX deposit. I have had more than XXXX direct deposit come from my XXXX XXXX  account to my cash app card. As of today I will no longer be using Cashapp. Whenever I contact customer service through chats, I have to wait almost XXXX to XXXX hours for a message back. Today I decided to call and the representative talked over me. Told me I was wrong. The representative told me I don't know what I was talking about. He yelled at me and told me that he can't give me his first name. Then I asked for his first name, He said his first name so fast that I couldn't hear it on purpose. I asked for his name again and he told me he couldn't Provide me the information. and then he talked over me again and told me since that he provided me with the information, that he couldn't transfer to a supervisor. He then said that he will be ending the call and hung the phone up on me. I was asking simple questions pertaining to my direct deposits. He told me since I don't know the exact day my deposit was sent, that he couldn't help or provide me any help from a supervisor. I called back immediately to speak to a supervisor. A representative by the name of " XXXX '', said she couldn't provide me with the last representatives first name. I told her transfer me to a supervisor. She said she would need to know the nature of my call. I told her again I need to speak to a supervisor. She said the same thing over again. Then she waited for XXXX minutes to tell me she can't get in contact with a supervisor. I then provided the rep with the case number for consumer financial.
Consumer complaint received 2024-05-22
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. (OH)

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.

15 U.S.C 1681 section 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 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 ) ( 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 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

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 XXXX Account Name : XXXX XXXX Account XXXX Account Name : FST PREMIER Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 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 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 ) ( 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 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 2022-11-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (OH)

On XX/XX/XXXX my debit card with the company cash app got stolen out of my car while I was pumping gas. There were four transactions made by whoever stole my card there was two from XXXX ( XXXX ) XXXX ( XXXX ) XXXX which were the biggest then there was one from XXXX XXXX  for XXXX $ an one from XXXX XXXX XXXX for XXXX XXXX as soon as I noticed my card was missing I froze my debit card an closed the account an started to contact support it took them a week to tell me to call them to file disputes so I did an I received these results the XXXX XXXX were denied an the other two were refunded. I've contacted there numerous times to ask how this is bc my card is FDIC insured first an second the other two were proven in my favor so why not the one that matter the big transactions. They can not give me an answer the will either read of my transactions or just make some scripted stuff but absolutely no one will give me an answer an I have said this a hundred times " I'm aware XXXX denied it I don't think they watched the security cameras an said Humm idk that does/does n't look like XXXX using that card ''. The fact is my card was stolen from me I've done everything correct step an cash app just don't wan na have to refund my money an something needs to be done I'm a single mom an I sold my car to be able to buy my kids XXXX an someone stole that money from me an I thought that was them being insured was about.
Consumer complaint received 2023-08-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Sunlight Financial LLC (MO)

I purchased a Solar Panel / Battery Back up System ( System ) from XXXX XXXX XXXX which was financed through Sunlight Financial. Sunlight Financial sold the financing to XXXX. The System did not work and it was determined by 9 State Attorney Generals that the marketing, selling, and installation of the System was fraudulently done by XXXX XXXX XXXX. The 9 AGs sent a letter to XXXX XXXX XXXX and Sunlight Financial that they should not collect any money til this was resolved and the systems either fixed, removed or the money refunded. 

In the meantime, XXXX XXXX XXXX went bankrupt. I stopped payment on the system based on the system not working and the letter from the Attorney XXXX and XXXX XXXX XXXX not completing their work to make the system functional. XXXX placed a lien on my home. I went to court and the court agreed that the XXXX is not part of the house but is XXXX XXXX ; therefore the XXXX on the house should be essentially null and void ; however, XXXX won't remove the lien. 

XXXX then trespassed onto my property and had a lock installed on the System which rendered System useless ; no electricity was generated from the Solar Panels and the XXXX Back up did not store the energy for use if the power went out. This also cut all power to XXXX circuits which were identified as " critical circuits '' including the XXXX XXXX and the Refrigerator. Thus the XXXX XXXX and my refrigerator stopped working immediately. As a direct result of this action by XXXX, my basement ended up with over XXXX ' of water and over {$110000.00} in damage to my home. 

All the while XXXX claims that I still owe them {$50000.00} for the XXXX that doesn't work. I engaged an attorney and have asked XXXX to come get the XXXX. They refuse and won't address the critical issues such as the damage their actions directly caused. I am giving them one last opportunity to resolve this before filing a lawsuit against them to collect the money from the damages they caused. I am planning on getting the XXXX XXXX involved in this litigation, too, if XXXX doesn't come to their senses. I've contacted the original XXXX XXXX, Sunlight Financial, and they ignore my concerns. Several calls have given the standard answer of " we're looking into it and have received your complaint. '' But nothing ever moves forward. Both XXXX  and XXXX XXXX say that both companies are familiar with each other and the complaint I filed.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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. 

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 has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section XXXX A. XXXX I have the right to privacy. 

XXXX5 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 2022-11-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (OK)

I sent on Cashapp XXXX to the wrong person. I realized it in mins I then requested the funds back. Shortly after I didn't get a reply I asked cashapp to help me get my funds back. They replies hours later. When they did get back to me all I could get them to tell me was they are sorry that I should double check from now on who I'm sending my mo ey too. This was days ago I just got to speak to someone over the pho e they all tell me the same thing. I contacted them befor the money was accepted and there for gone by the person that stole it but they took hours to get back to me so I couldn't do anything they say it was final I asked repeatedly could cashapp let the other person know that it would be in there best Intrest to refund my account. I was told no they couldn't do anything. Now I'm setting here 3 days from XXXX with no dinner for my family. It's a sham they can't even request my own money back on my behalf I'm told sorry they can do nothing.
Consumer complaint received 2022-11-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Block, Inc. (CA)

My account was closed without notifying me and when I tried calling no one could give me details as to why. Ive asked multiple times to speak with a supervisor and I was denied that by every representative I spoke to on the phone. Before I noticed my account was closed, they made be order a new debit card and I did. Two days later I tried to use the temporary debit card they had gave me on the app and it declined for unusual activity. Thats when I contacted customer service but I was told my account was closed and they couldnt provide me details.
Consumer complaint received 2023-10-20
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. (CA)

I am filing a complaint due to inaccurate information on my credit report, The accounts are reporting inaccurate information, such as payment history, date of last activity, payment status, etc. 
Kindly eliminate the accompanying records as they are false and were opened without my assent or information.
Consumer complaint received 2024-05-22
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)

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 XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 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 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 ) ( 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 2022-11-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (SC)

Cash App closed my account with no explanation Ive tried to discuss this matter with them but they have stopped responding. I use the app frequently to send and receive money to and from friends and family. Its made my life significantly less efficient due to ATMs and ATM fees. As you can see in the attached photos I gave ample time for them to try and resolve this. I demand an explanation and the reinstatement of my account. 
Thanks
Consumer complaint received 2023-11-14
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: Experian Information Solutions Inc. (GA)

I spoke with the Experian representative. They told me the late payment for XXXX the {$500.00} secured credit card was opened in XXXX. They agree that the account is closed and paid. I also spoke with XXXX who agreed. Secured card require the funds be in the account. It is not possible for my account to be this late as they would not allow it especially your 6 years. 

On my credit report it states I made my last payment in XXXX. This looks like a serious delinquent payment. The account is over XXXX XXXX XXXX. They seem to keep it active. 

I want this removed and would like monetary compensation since I have been denied mortgages due to this issue
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WA)

I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2022-11-20
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (IN)

My name is XXXX XXXX, I have been using Square to process payment for my business and Square stole my funds. My email address with Square is XXXX My funds of {$5200.00} was stolen by Square customer service from XXXX. 

I received email from Square that my funds was available for withdrawal and immediately I received email that someone from XXXX has logged into my account from a device from XXXX hence my funds just disappeared and funds were sent to a bank account not owned by me. 

I sent email to Square immediately about this incident letting them know that I have been hacked and Square didn't respond. This means that the hacker is from Square. 

I have sent several emails to Square support to rectify this issue but they have not gotten in touch with me. I believe that someone from Square logged into my account on XX/XX/2022 to steal my funds and I need my funds back because I have tried to resolve this issue with Square but to no avail. 

I spoke with Square customer support team four times on the Phone about this issue and I was told that I would be refunded. 

On Sunday XX/XX/2022, I got another email from Square that my account has been accessed from XXXX again and that my password has been changed. 

I spoke with Square again and reported this incident but they have not returned my money. 

I need all the funds stolen from my account back. 

I will attach screenshot of email stating that my account was accessed from XXXX. 

I am in the USA, not XXXX.
Consumer complaint received 2022-11-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Block, Inc. (MI)

I have been experiencing identity theft and have filed a report with the FTC. In XXXX, I received 2 unsolicited debit cards from cash app. I immediately called the company to have then suspend activity on the accounts and close them. I had to XXXX for a phone number since I do not have the cash app or access to these accounts. They were not easy to find a number to call. I spoke with " XXXX '' in customer service who sent me an email with a few questions and a link to send photos of each card so they could cancel the accounts. I never received a response back. I would like to know that they have suspended all activity and are/will close the accounts and that they will erase my information from any site they use to service the accounts.