davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-30
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Block, Inc. (FL)

On XX/XX/XXXX my friend sent me money to pay my rent {$200.00}. Which gave me a balance of {$260.00}. I paid the rent and it was attempted to take out XX/XX/XXXX and it was declined due to the money being gone. I checked the card and there were charges from XXXX {$97.00} & {$150.00}. The total was {$250.00}. I reached out to Cash app immediately and the moment I put the claim in they declined the claim. I reached out via chat and they told me they would help me redo the claim because they still see more charges being declined because the card is locked and there are no funds. The claim the was still denied even though they seen someone still trying to charge the card. I then requested for a supervisor to contact me. They contacted me via email and said they are not changing the outcome. I asked for the documentation they had as proof. The receipts they sent me say the person used XXXX pay purchase. I have an XXXX and this is yet another reason it wasnt me. I also made them aware I had misplaced my card which is why my card is always locked. Someone returned it at my job and I assumed I was good. But I also only could think of anything funny that happened to me was I used a card tarot and had to provide my DoB and name. Idk if that had anything to do with it. But again my card was locked at all times until its time for me to pay a bill. I now am in the hole because I had yo borrow money from another friend to pay my rent. I would like to speak a the person above XXXX the support manger.
Consumer complaint received 2022-10-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc. (WA)

I got scammed for {$300.00} ( was not autherized ) on XX/XX/XXXXXXXX XXXX XXXXXXXXXXXX XXXX through my Cashapp. Contacted support through chat many times ( which is extremely difficult, look at the time stamps of the screen shots ). I called them after a few failed attempts though the chat bubble, explained that {$300.00} with XXXX XXXX XXXX is fraud and I need it investigated/refunded. Girl on the phone sounded legit and gave me case # XXXX. But I looked today and it says refund declined ... {$300.00} really isnt quite my worry as much as holding Cashapp responsible at this point.
Consumer complaint received 2022-09-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (TX)

I have been a victim of Identity Theft for about the last two years. I have received many Debit cards from various mobile payment companies. Cash app is one of those companies where I have received a debit card on three separate occasions. Most recently, I received one and attempted to contact Cash App directly. Due to the limitations of their customer service team, a dispute needs to be raised thru the app itself. Since I DO NOT have a cash app account, my husband raised the issue thru the app and informed Cash App customer service of the fraud I am facing. We have the physical debit card in our possession. 

Cash app refused to open a case or take the identity theft claim seriously. Instead, they stated that due to privacy, they can not initiate the claim from my husband and has to be from the account holder. THE ACCOUNT HOLDER IS THE FRAUDSTER- I do not have a cash app account. They refused to allow my husband ( or me indirectly ) to validate information or provide the debit card number to have it closed due to fraud. Instead, they stated that I ( THE VICTIM ) must create a cash app account in order to dispute this other fraudulent account - that makes zero sense. 

Additionally, the last time I received two other cash app debit cards, I asked them to safeguard my information to ensure no future accounts could be opened. They obviously did not do that. 

I am beyond frustrated and completely dissatisfied with Cash apps handling of this situation. My current situation remains unresolved and a fraudulent debit visa card remains open in my name. 

Cash app should immediately close all accounts in my name and cancel the debit card before there is any financial loss I may incur.
Consumer complaint received 2022-09-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (PA)

i paid a deposit for a rental i had viewed in person via cashapp. the payment total was {$800.00}. this occurred XX/XX/22 and XX/XX/22. i have a signed lease and multiple text/emails between myself and the landlord about the property and the transactions. after i paid the deposit and signed the lease, i have not heard from them again
Consumer complaint received 2022-09-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (NM)

On XX/XX/2022 I purchased two books from XXXX XXXX and XXXX XXXX through CASH APP for the amount of {$43.00}. 
I never did receive the books and I called and dispute through cash app three or four times and they just skip saying that they found it in the sellers favor. I am submitting the documents that cash app chose to base their decision on how long with the purchase receipt.
Consumer complaint received 2023-07-17
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. (SC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-03-15
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: Experian Information Solutions Inc. (VA)

I'VE CONTACTED THE COMPANY TO CONFIRM THAT THIS ACCOUNT DOES NOT BELONG TO ME I WAS ASKED QUESTIONS TO CONFIRM MY SOCIAL SECURITY NUMBER AND THE ONE THEY HAD DOES NOT BELONG TO ME. THIS IS A VALILATION OF MY CONSUMER RITES AND NEED TO BE REMOVED FROM MY CREDIT FILE. IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. THE ACCOUNT LISTED BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER15 USC 1681.1. NOT ONLY DO THEY NOT HAVE THE CORRECT SOCIAL THEY HAVE REPORTED THIS TO THE CREDIT REPORT 15USC 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 REASONABLE CAUSE TOBELIEVE THAT THE INFORMATIONIS INACCURATE XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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. (NJ)

Under the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15U.S.C 1681. 

XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX  XXXX Account # XXXX XXXX  XXXX Account # XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX, XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX/DEPT OF ED Account # XXXX, XXXX, XXXX  XXXX XXXX, Bankruptcy XXXX  XXXX Case Account # XXXX 15 U.S.C. 1681 Section 602A states that I have the right to privacy.

15 U.S.C .1681 Section 2 604A states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. Section ( a ) ( 5 ) states : No consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information other than records of convictions for crimes that antedate 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 2022-09-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (CT)

On XXXX, a payroll direct deposit was sent from XXXX XXXX XXXX payroll to my account for {$530.00} with an advice date of XXXX. I have confirmed correct account information with the sender. These funds have not been made available to me yet. I have received 2 direct deposits after the missing deposit, unrelated to the missing funds.
Consumer complaint received 2024-07-05
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. (AZ)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX
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. (MO)

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 XXXX party. They in fact did not come from a XXXX 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 2023-08-28
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. (TN)

i am a victim of identity theft. my id was used to get loans and credit. I filed the correct paperwork and sent it into the credit reporting agencies per the FCRA. I have asked for copies of the verification process and still haven't received the paperwork. 

These are the accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-01
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (TX)

As the Accommodation party to the application/instrument i am owed consideration for my accommodation. There was none because I was denied. Therefore this constitutes as unauthorized use of my social security credit card and discrimination. Synchrony has the ability to sell my application to a 3rd party and reap income so you cant legally deny my credit.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AR)

Over several times, I have reached out to Experian, XXXX, and XXXX trying to update and correct the information on my credit profile. But for some strange reason, the credit bureaus refuse to follow the guidelines of the FCRA. According to the FCRA, there should only be XXXX address listed on your credit profile. Any address that is not deliverable to you through the XXXX Postal Service is inaccurate and should not be listed on my credit profile. 

XXXX. XXXX XXXX XXXX XXXX, XXXX, TN 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, TN XXXX None of the addresses above are deliverable to me through the XXXX Postal Service. Therefore, all XXXX of them are inaccurate and should not be reported on my credit profile. It is a direct violation of my rights under the FCRA.
Consumer complaint received 2024-07-02
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. (NY)

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure
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. (AZ)

The List of accounts below has violated my federally protected consumer rights to privacy confidentiality under 15 USC 1681. 

Account name : XXXX XXXX # XXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

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 2022-09-15
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 I am a business owner who uses Square to process my payment but Square has decided to close my account and stole my funds and now I can not withdraw my money. 

Square is always doing this to other people and they would not tell me when my money would be available. 

The email associated with my square account is XXXX XXXX
Consumer complaint received 2022-10-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (GA)

XX/XX/XXXX A scammer scammed me for XXXX XXXX Not sure this payment was sent or to whom this account belongs to. 
$ XXXX XXXX This XXXX XXXX  was unauthorized by me. 
I deposited that money to pay my light bill.
Consumer complaint received 2022-09-15
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 I have a XXXX business which I use Square to process payment for my business but Square has decided to deactivate my account for more than 6 months now without giving my access to my money. 

I can not withdraw over {$2000.00} which I have with square and they told me that they would not give it to me. 

I need Square to tell me when I'll be able to withdraw my money as I waited for so long.
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. (NY)

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 XXXX party. They in fact did not come from a XXXX 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 2022-09-15
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (CO)

I created an account with Square ( aka XXXX, XXXX XXXX Square Capital , LLC XXXX XXXX XXXX XXXX XXXX XXXX ), went through the verification process, and linked my business checking account. After several weeks of uninterrupted service, today ( XX/XX/22 ) my account was " deactivated '' without warning or notice. I received an email that this was Square 's " final decision '' and that my funds would be frozen for 90 days. 

I called Square customer support to find out what happened, and they told me they could not give me a reason why the account was suspended. I told them there must be something they could do, given the sudden and inexplicable nature of the suspension, but they refused to give me any more information on why my account was deactivated/ frozen. There was no appeal or review process. 

I am in the middle of my work week and now am completely without a credit card payment processor. I have hundred of dollars of customer invoices/ payments currently frozen in my Square  account that I apparently can not access for three months. I am scrambling to call clients to explain why they can not pay with a credit card at my business. To say this is frustrating is an understatement -- Square has completely left me in the lurch, high-and-dry, and will not so much as provide an explanation as to why this happened.
Consumer complaint received 2022-09-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (VA)

On XX/XX/2022, my nephew sent me a text message asking me to send him some money. I sent him {$40.00} ; after sending him the money, my nephew called to tell me that he could not get into his account, so he created a new account. My nephew told me he had a new phone and could not access his old Cash app account. I contacted Cash app to inform them that I sent the money to my nephew 's account, and he can no longer access it. They told me to have my nephew contact them, which he did. Cash app told him they could not transfer the money to his new account ; then Cash app told me to request a refund because they could not send the money back to me, nor could they cancel the transaction. So I asked for a refund like I was instructed to do by a Cash app employee. Today XX/XX/2022, I looked into my Cash app account. I realized that the refund request had been denied ; I contacted my nephew to see if he had received the money or rejected the request for a refund ; my nephew told me, no, but he still could not get into the account. Cash app is not offering him any help, and he did not deny my request for a refund. I contacted Cash app to see what was going on with the account, and they rejected a request for a refund. They could not give me any information other than we can't refund your money back to you.
Consumer complaint received 2024-07-02
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. (TX)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc. (MI)

On XX/XX/2022, I was forced to send {$600.00} on cash app to cash app name $ XXXX ( XXXX ). I was held against my will and had to reach out to get the money from others on cash app. The police were called and he was arrested. Additionally, he stole my car keys. 

My cash app name is $ XXXX ( XXXX XXXX XXXX XXXX my name that is listed there. 

I have the police report number which I've offered to provide to cash app. They have been unwilling to assist ; however, I do not believe he should keep my money after it was forcefully taken during the act of a crime.
Consumer complaint received 2022-09-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (CA)

CASH CARD ( XXXX ) CLAIM AMOUNT : {$1.00}, XXXX On XX/XX/22 i reported to CASH APP, I found out in my CASH APP account had : _ 9 unauthorized transaction ( documents included ) On XX/XX/22 CASH CARD denied my dispute claim # XXXX with reason " card present purchase '. After review the statement i found out more 7 unrecognized transaction on this list : XX/XX/22 : {$49.00} XXXX/XXXX22 : {$28.00} XX/XX/22 : {$75.00} XX/XX/22 : {$110.00} XX/XX/22 : {$19.00} XX/XX/22 : {$39.00} XX/XX/22 : {$180.00} ( not received package ) XX/XX/22 : {$180.00} ( double charged ) On XX/XX/22 i have XXXX and have to stay in hospital  XXXX from XX/XX/22 to XX/XX/22 ( have hospital  record included ). 
i am writing to dispute a fraudulent ( {$130000.00} fraud transaction on my debit card number XXXX ). i am a victim of identity theft, and did not make all transaction from XX/XX/22 to XX/XX/22 because i am in hospital at that time. 
One more thing, why cash app deactivate my card with no reason????