davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.
Consumer complaint received 2022-11-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (CA)

On XX/XX/2022 I transfer XXXX from my cash app account into my XXXX account which I had several times before just smaller amounts the money would show up immediately on this particular day it did not XXXX which is pathward national rejected the transfer due to limit load you can only do XXXX per day. With that being said I then went ahead and contacted cash app they told me the transaction was successful and there was nothing that could do so since XX/XX/XXXX I've been going back-and-forth back-and-forth and neither of the companies can help me cash XXXX said they needed proof that they rejected it so they rejected it so I went ahead and emailed them my XXXX statement not only that I did the transcript from the conversation with the people from XXXX they gave me a denial code a rejection reason a time and amount of transaction and still nothing I just kept getting automated response automated response automated response so here it is 13 days later and they still say that it was A successful transfer which it was not and basically they've just taken my money and I just have to take it basically basically I need help please
Consumer complaint received 2022-11-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (TX)

This is regarding Cash App. I was to send a {$30.00} payment to someone who actually has a cash tag that a scammer has copied with only a slight difference, in order to fool people into sending the money to them. I immediately noticed the error and reached out to Cash App as well as sending a refund request to the individual whom was accidentally selected. Cash App denied me any assistance in correcting the error and the individual denied my refund request. This has happened before and see Cash App isn't doing anything to place safeguards in place so that it isn't so easy to make this type of error. I simply want my {$30.00} back for which I know Cash App could XXXX intervened as I contacted them with minutes of the error however ; they choose the side scammer which in my view as well as others I'm sure makes them complacent on the scam.
Consumer complaint received 2022-11-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (CO)

Cash app allowed a user by the name of XXXX XXXX real name XXXX XXXX to use there platform to fraud consumers out of funds by pretending to be a fitness coach with a merchant account with Cash app as I used cash app at multiple vendors such as XXXX XXXX XXXX and have been able to get a refund for products not delivered how ever at this time cash app has ingnored my request to start a dispute in regards to the fraudulent charge Ive also requested a manager call me to discuss the issues and find a resolution since my cash app account is federal insured and should follow all consumer right law but hasnt done so and is completely allowing a person to use there platform to commit theft and fraud I ask you investigate this transaction alongside the companies dispute department
Consumer complaint received 2023-06-25
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. (NJ)

I recently Checked my credit report and seen an inaccuracy and in accordance with the fair credit, reporting act, XXXX XXXX  acct # XXXX has violated my rights and with accordance to15 USC 1681 Section 602 States I have the right to privacy. Also 15 USC 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions. Section 15 USC 1666B states A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for and purpose.
Consumer complaint received 2024-05-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX Account Number- XXXX This is a charge off account with a balance. I just received a copy of my credit report. I was shock to see that you are reporting this account incorrectly .This collection account is reporting not only as CHARGE OFF, but also shows a past due balance of 60 dollars. According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion
Consumer complaint received 2024-05-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

I reached out to Experian via phone after repeated letters concerning the correct spelling of my name as well as my actual address in accordance with the accuracy clause required by reporting agencies issued by the FCRA which is further supported by consumer law 15 USC 1681i. Experian has yet to correct my name and my address which are incorrect therefore making the information being reported inaccurate which is a violation of the law and therefore XXXX!!
Consumer complaint received 2022-11-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (WI)

I late XX/XX/2022 my phone was hacked. Resulting in my XXXX XXXX  app being hijacked and XXXX of checks deposited, funds transferred to Cash App, XXXX purchased and sent to bitcoin wallet outside of Cash app. After this occured every check that was deposited was returned for insufficient funds. Since i had my XXXX account for so long the checks were immediately deemed good funds. XXXX has found in my favor deeming transactions to be fraudulent and processed chargebacks to Cash app. Now despite many attempts to resolve from XXXX to current asking what the next steps are if i continue to disagree, they have been very difficult to get any help. Cash app is still saying im responsible for the negativr balance of {$5800.00}
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

This account is under Alitigation the balance is incorrect & i need it close & also remove from my credit report in accordance with the Fair Credit Reporting act XXXX AccountXXXX XXXX XXXX XXXXXXXX has violated my rights. 

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.
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2024-05-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NJ)

I reached out to the XXXX over a month ago. I asked each XXXX to remove the fraudulent information on my credit report, as there are people with my personal information that are not authorized to open accounts or use my personal information for their financial gain. There is fraudulent information on my credit report and I am wanting each bureau to remove the inaccurate and fraudulent information from my credit report.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WI)

It is disheartening to come across an error indicating a late payment on my account, especially considering my consistent track record of meeting payment deadlines. This oversight is causing unnecessary stress, and I urge you to promptly correct it by ensuring my records accurately reflect my payment history.
Consumer complaint received 2022-10-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Block, Inc. (NY)

I saw that I had a {$100.00} dollars in my account so I decided to do some online shopping with XXXX. I spent the {$100.00} dollars some how that threw me into overdraft? I first questioned them on that issue they said I did not have a {$100.00} and what I ordered was that amount. Okay that is fine!, But then the items I purchased were canceled by Cash App? XXXX XXXX  and threw XXXX because they didn't receive money for items I thought I paid for. My account is still over drafted even after everything was cancelled. I took screen shots of my feed with the app before I spoke with them. When I reached out after that I did not hear anything other than we are looking into it. Next thing I had noticed is the feed on my cash app is changing but I have everything I have to have anyway that is what the pictures were for because when you bring something up that is a issue with them they don't answer you for hours there is no number to call. I have tried for a whole month to receive my money. I am on a fixed income I do not have money to just throw around. I have been ignored lied to and its simple math. I need my money back its been a month already I cant wait any more I have a XXXX dollars in stocks in the account I cant use that money because they will take it for there over draft that does not exist. Please help I am so frustrated and broke. I also asked for transaction ID 's and have been denied these items.
Consumer complaint received 2022-11-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Block, Inc. (TX)

Dear Sir/Madam I own small business named XXXX XXXX  XXXX I had a customer recently which we Have done following job for her, - XXXX  TVs Mounted in highrise - Providing Full motion mounts- XXXX  Wire Concealment - A cage bed assembled - a picture hanged After we done the job customer told us she pay by his boyfriend card and we used square to take the payment and the customer entered card information by herself. 

The customer AFTER TWO WEEKS claimed she can not recognise the transaction to their bank and the square app without taking any permissions deducted the money from my bank account and then we disputed return inside square app and uploaded pictures of communicated text message and also the job we have done. But after about 45 days square informed us the customer bank gave the money to their customer and in this way the customer who provided a fake name to us never pay any money to us for her service and scammed us. 

We contact our bank and provided documents and our bank return the money to our account but square contact us today and threatened us in email and requested us to pay the amount to them. We cant understand why we should pay our money as a debt to a card company and why they never denied the customer fake claim from beginning since the customer told their bank after two weeks and how someone never see a balance for amount of {$1100.00} during two weeks?!! And suddenly after two weeks they contacted their bank and told they cant recognise the transaction?! 


Now square company make a negative balance for the amount of {$1100.00} for us and prevent us to take card payments and threatening us to use all possible ways to take the debt in email. We encourage them to tale their debt from the scam customer but for whatever reason Square has strange collaborations with theft customer and it is obvious for us they possibly used this trick for many other companies yo take a free service and wont pay and run away! 

They threaten us in email as follows Please be aware that if we do not hear back from you or are unable to agree to a repayment solution, Square reserves the right to pursue all available options in recovering this outstanding balance. We look forward to helping you get your account back on track. 



By the way during two years of using square all our customers left positive feedback even inside square and we never had a customer to dispute their transaction! 




Finally Can you please follow the matter asap? And request Square to remove the negative balance from our account? And prevent them to do same story on other companies!
Consumer complaint received 2022-10-23
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (NY)

My name is XXXX XXXX and the email address associated with my Square account is XXXX I set up a XXXX  and used Square to process payment for my XXXX. 

All of a sudden my account was deactivated by Square and my funds were held.

Square told me the date for availability of funds but they never kept to their word as they kept postponing it. When I reached out to Square, I was told that due to the disputes on my account they would hold my funds for extra 30 days. 

The balance on my account held by Square is {$4400.00} All disputes associated with my Square account were closed on XXXX XXXX XXXX but up till now Square has refused giving me my money. I will attach a screenshot of my account showing that disputes were closed over 90 days ago I have tried to resolve this with Square but they are not responding to me. I contacted Square a month ago and they refused responding to me, I also contacted them again twice today and they haven't responded.

Because of this, I am filling this complaint to enable me have access to my money from Square
Consumer complaint received 2022-10-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (IN)

My name is XXXX XXXX with square email : XXXX I have been using Square to process payment for my business but Square decided to deactivate my account and stole my funds. 

Since then I have had some contact with Square, but they refused to respond to me saying that I have disputes that needed to close first before they can send me my money. 

My funds was to be given to me 3-4 months ago, but Square has held my funds for many months without sending it to me. 

All disputes on my account was closed by XX/XX/2022 but square has held my funds for more than 3 months since then. 

I have {$1100.00} on my Square account which I need to withdraw.
Consumer complaint received 2022-10-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (LA)

Between XX/XX/2022 and XX/XX/2022 a person identified as XXXX XXXX obtained the information she needed to access my Cashapp account and created unauthorized transfers totaling {$3200.00} to her account without my permission or authorization. I have contacted Cashapp support on several occasions and filed disputes offering proof that they were in fact fraudulent transactions. 
Cashapp would provide a generic message saying someone would be in touch within 10 business days and I would receive no further communication from them regarding the matter until the 10 days were up and then I would receive a denial stating that based on the investigation they conducted they found the transactions were either made with my permission or could have been prevented by me. When I requested copies of the documentation they used I was just provided a list of the disputed transactions. 
I would again refile the dispute and receive the same result with the exception of last time when I received the 2 attached emails one stating my case was closed for the same reason listed above and another claiming it was denied because they had received no communication from me in 3 days, when no one had tried to contact me and I was told to allow the 10 day time period to pass
Consumer complaint received 2022-10-26
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. (FL)

In accordance with the Fair Credit Reporting Act, XXXX  account number : XXXX ; ( listed twice on reports ) XXXX XXXX XXXX XXXX XXXX account number : XXXX XXXX XXXX XXXX  account number : XXXX ( listed twice on reports ) ; XXXX XXXX XXXXXXXX XXXX account number XXXX XXXX ; XXXX XXXX, account number : XXXX ; XXXX XXXX, account XXXX XXXX XXXX ; XXXXT, account number : XXXX ; and US DIST CT Bankruptcy dismissed : XXXX, no account number provided, Filed XX/XX/2021 has violated my rights. 

Under, 15 U.S. Code 1681, Section 602A states : I have the right to privacy. Additionally, 15 U.S. Code 1681, Section A ( 2 ) states : a consumer reporting agency can not furnish a account without my written instruction.
Consumer complaint received 2022-10-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Block, Inc. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX ( XXXX ) XXXX Ref. Account No : XXXX On XX/XX/2022 I submitted a transaction dispute with Cash App that involved 3 separate transactions. On XX/XX/2022 I filed a complaint with the Consumer Financial Protection Bureau, Complaint No : XXXX. The disputes are still active despite contacting Cash App support multiple times. To my knowledge there has been no progress made towards resolving the disputes. 

Respectfully, XXXX XXXX
Consumer complaint received 2022-10-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Block, Inc. (TX)

On Wednesday XX/XX/2022 at approximately XXXXXXXX XXXX XXXXXXXX XXXX sent me a messaged asking me if I could help him with his grandpa and hed pay me so he sent me {$400.00} at first then he sent me another {$40.00} and then {$16.00} totally {$450.00}! It shows on cashapp that the money came thru but was never recieved by me and he says it came out of his account so we contacted cashapp and they said they had no idea what was going on that there was nothing they could do. I have documentation showing that the money was not recieved by me. I told them I was filing a complaint because they were so quick to just leave the chat without resolving my issue. Thats what they always do when you contact support they take forever to come on live and then take forever to even process your request and then the end results are never what you expected them to be. They gave me a run around for XXXX XXXX  for sure and never got anything done that I was asking and still hasnt for either of us
Consumer complaint received 2022-10-21
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. (NJ)

On XX/XX/2022 I used Cash App to send money to 2 different people. One transaction was for {$150.00} that was processed successfully with my debit card, the second transaction was for {$60.00}. Cash App stated that my bank declined the {$60.00} payment and they decided to payout the {$60.00} dollars anyway as a " credit ''. I asked the representative at Cash App 1. why would you use my bank account to try and send the {$60.00} payment and 2. If it did decline why would you still send the money if my bank supposedly declined the payment. I NEVER use my bank account to make payments via cash app. I have ALWAYS used my debit card. The representative told me he was not sure as to why my bank account was used to attempt the payment of {$60.00} instead of my debit card. 

Today someone sent me {$100.00} via Cash App and to my surprise Cash App kept {$60.00} and only gave me {$40.00}. Upon speaking with the representative he advised me that they are not able to give me the {$60.00} back because it was a credit that they paid out on my behalf but I never asked them to do that. If my bank declined the payment they should have just let it be and not take it upon themselves to send the payment anyway. 

I asked to speak to a supervisor and the representative told me that he did not have someone for me to speak with verbally and that I would be contacted via email by a supervisor. I expressed that this was unacceptable and unfair to me as a customer.
Consumer complaint received 2022-10-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (GA)

I have only used cash app a handful of times but the app will not let me access certain things and will not let me download my info. The taxes show that {$12000.00} plus was reported but I have no idea how or exactly what this is on a cash app that hasnt been used since the beginning of the year. Also, I do not have a business or deal in digital currency.