davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (FL)

My cash app card was locked by cash app supposedly because of two elements 1 ) said to be because of a new device ( cellphone ) noticed 2 ) because of a location area. I moved from XXXX Florida to XXXX  Florida.? I also followed the cash app support instructions and sent them all required documents, my State ID, paper work forms that show my residence with my case managers stamped and signature on the forms, also I verified my new device ( cellphone ) as required by cash app online website. Since the first week of XXXX my cash app card is still locked and after sending all my required documents to the cash app safesend website as they instructed and all marked submitted successfully, all i continue to receive is the same results as of XX/XX/XXXX that case escalations will notify me by my email address when information is available. Also I have many times spoken with cash app phone representatives and informed many of them about the situation including my recent social security payment to me that has been sent back to the sender. I have not received any results from the cash app service representatives other then the repeated reply that the cash app specialist are working hard on the case, since XX/XX/XXXX they repeatedly have been unable to provide me with any results and my cash app card remains locked since XX/XX/XXXX and recently my social security payment was sent back to the social security senders department. I have no income and my cash app card remains locked.
Consumer complaint received 2022-12-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Block, Inc. (AZ)

I had an account with Cashapp for which I had lost the phone that was tied to that account. I currently have {$220.00} sitting in the account and while I provide all the correct information they need to verify my account they refuse to allow me access to it and refuse to help me further to get access to the account. They told me I pretty much s.o.l in regards to retrieving my money.
Consumer complaint received 2022-12-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (NJ)

Well from XX/XX/XXXX @ XXXX till XX/XX/XXXX @ XXXX my account has been cashed out little by little and the bank Cash App run by Block inc has told me that I have authorized these CASH OUT for various amounts and that I did it from my address in Michigan problem with this is I do not live nor have I ever lived in Michigan @ XXXX XXXX XXXX XXXX XXXX XXXX Michigan XXXX XXXX I was born raised and lived in XXXX XXXX  as you will see my bank at that time was Investor 's Bank not XXXX XXXXXXXX XXXX I need more assistance with this matter and I need my money back I live on SSI as I am XXXX and live on a very low income as it is I an way below poverty level I have talked to them emailed with them and nothing they keep insisting that I did it when I know I didn't
Consumer complaint received 2023-07-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

On XXXX XXXX XXXX I deposited a U.S. Treasury Department issued check into my checking account at the Wells Fargo Bank in XXXX XXXX, Florida. The bank would only make available {$5000.00} of the {$20000.00} check and placed the balance on hold. 

I complained to the bank XXXX XXXX XXXX XXXX but he refused to honor the entire amount of the check upon deposit and stated the balance would remain on hold. 

This is a government issued check by the U.S. Treasury Department and I should have IMMEDIATE access to the full amount of the check!
Consumer complaint received 2022-12-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (OK)

On XX/XX/22 at XXXX XXXX and XX/XX/22 at XXXX unauthorized Transactions occurred. On XX/XX/22 in the morning time I seen transactions from my bank and cash app that shouldve been locked. I called cash app, XXXX XXXX XXXX XXXX and filed a police report. Everything that happened was digital and the money can be traced. Ive been requesting my money and filed a complaint with cash app. Cash app sent a letter which will be attached.
Consumer complaint received 2022-12-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc. (FL)

I use CashApp to transfer money back and forth between my employees, family and friends. CashApp launched a XXXX service last year that made it easier for average consumers to purchase and hold XXXX as well as send XXXX back and forth between consumers on the service. A scammer reached out to me trying to sell me an investment opportunity in XXXX and this investment had to be made through the CashApp service. I unfortunately became victim of this con and lost over XXXX XXXX dollars to the con artists on this CashApp platform. This happened between XXXX and XX/XX/2022. I reached out to CashApp to file a complaint about the lack of protection for consumers in the service. They let scammers and fraudsters use their service to exploit people like me. I even sent letters to them through certified mail but I have heard nothing from them. I feel like I have run out of options with them. I have all the records as well as correspondence with them and with the fraudsters and well as all the transaction records. Please assist. Thank you.
Consumer complaint received 2022-12-17
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Block, Inc. (AL)

I have already filed complaint and my new emails keep getting hacked and I can not get in them, this is a mess I have a cash app account... well 2 or 3 now and I can't get into those neither I can not locate my complaint number you guys gave me but my name is XXXX XXXX I filed complaint a month ago I know. I have been without internet. Please call me at XXXX. My emails are all getting hacked it is a XXXX complaint but is very important for it may end all the hacking that's happened the past years to my accounts PLEASE CONTACT XXXX OR MY DAUGHTERS XXXX. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, al XXXX. I need ur help badly and my daddy was a XXXX XXXX XXXXr in XXXX and I was convinced with agent orange but these hackers are about XXXX XXXX me as crazy as my father could be!! Please help! XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-16
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. (MT)

Cash App reviews Cash App - Unauthorized transactions that were refunded but not recieved XX/XX/2022 Verified Reviewer 0 comments 1.0 Name : XXXX XXXX XXXX XXXX  : $ XXXX Reason : Back in XX/XX/2022 I had 4 unathorized transactions go through on my accpunt that I did not authorize nor did anyone have access to my secure card or account information which i keep very secure with multiple passwords on my phone. I disputed these transactions in the amounts of XXXX, XXXX, XXXX, XXXX. 

I never make these sort of purchases, especially repeatedly like this. So Cash App said refunds were sent back to my card linked to my account but have still gave never recieved a penny of them. Was told to conntact my card issuing bank and even with the trace numbers provided to me by cash app they were not able to locate said refunds anywhere. Fast foward and many many chats emails and phone calls, hours wasted talking with too many support agents to count, still nothing. 

So cash app tells me they will start their own investigation if i provide proof i never recieved them and things like name reason i think these were unauthroized, cashtag, dates and amounts. I provided all of this and have been the most cooperative with cash app three times now. They refuse to start investigation without any valid reason and keep giving me the mosy ridiculous automated answers as if they have no idea what i am even talkinh about even though i have chats that go back more than three months ago about this very issue. Sometimes i am just completlely ignored and told if there is anything else they could help me with theyd be happy too.

I need my money that is owed to me and i have waited lomg enough and have already started a complaint with the XXXX and CFPB and have no problem getting legal helo to go to arbitration if that is what it is going to take in order to get my money at least located. 

The weird thing is that each of these transactions still are in a pending status that says " REFUNDING BY XX/XX/2022. '' IT DOES NOT SAY REFUNDED, IT SAYS REFUNDING AS IF IT HASNT HAPPENED YET. i am really hoping to get this resolved immediatley and hope you will be able to help me out with this situation. 

Thank you
Consumer complaint received 2022-12-16
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. (PA)

There is two separate yet similar issues I am having with a company. On XX/XX/ I finally received a email along with a " temporary credit '' regarding one of the disputes I had filed on XX/XX/. After waiting over the 45 days and I'm still waiting for the resolution I receive what they are calling a temporary credit however it states in the email that if the investigation takes more than 45 days the temporary credit becomes permanent even though the dates clearly show in the email it's long beyond the time allowed therefore this should have automatically been a permanent credit. Also I received a separate email stating that a transaction that I didn't even dispute was denied due to the merchant already refunded the money. I responded with that not being a transaction I disputed I received a generalized email that had the case number for reference that was for the disputed XXXX transaction in the amount of XXXX not the one they were claiming. I don't know how that could even happen but I reached out to the customer service and like always got absolutely no where. It's now going on 60 days and I still haven't received or heard anything about the XXXX XXXX transaction in the amount of XXXX  that the case number was/is XXXX. According to the terms and conditions of the company a provisional credit is to be given on the 10th business day if it was going to take up to the 45 days for a resolution and if it's past the 45 days it's no longer a temporary credit it is to be permanent. I haven't received anything concerning this case mentioned above and I have called and chatted numerous times and told there was no updates I need to continue to wait. I have financial obligations that has been supposed to be paid but I haven't been able to because the money I had was fraudulently taken from my account and I haven't received no credit for the above mentioned case and its going on 60 days now.
Consumer complaint received 2021-02-11
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (AZ)

In or around XXXX XXXX XXXX I received a bill for moving out of a apartment unit in XXXX XXXX, California for around XXXX from a debt company and among the charges was I think around {$800.00} or more for new carpet through out the unit. I had only lived in the unit for about 8 months, so I contacted the collection company by phone and email and disputed the charges and filed a complaint with the California Attorney Generals office against the collection company because they were pretty rude. I also contacted the lard lord and disputed the charges and sent them a letter stating that. As of this date I have not heard from the land lord corporate office regarding the disputed charges. It is my understanding that there is some amount of time period allowed when a debt is disputed with a collection company and the debt company must provide verification of disputed amount. I have not heard from this in any written form since I disputed the amount. I have attached a copy of the letter I wrote to the collection company and the land lord disputing the amount. The last thing I heard from the land lord was that they were sending my concerns to the corporate office. Which I attached a copy of the response form XX/XX/2020.
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. (NY)

XXXX continues to show information on my credit report after I sent numerous items to them showing I was a victim of ID theft through numerous data breaches. I attached all the proof and even told them I wrote to each of the companies I disputed with to ask for proof of how these accounts were opened in my name. NONE of them responded with any proof and all I got is a letter saying " We understand your concerns but have not found reason this is ID theft or fraud ''. I asked THEM to produce proof of how these were opened so I can dispute factually each thing they are reporting wrong, but each company not only produces no proof, they and XXXX continue to report these files on my report inaccurately. The companies in questions are Bank XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX and XXXX who not only fails to investigate, they passed this off to a XXXX party collection, blocking every attempt I make to look deeper into this. 

Transunion now makes my ability to review my files or dispute online unavailable and I can not dispute numerous items including those above. Same with XXXX. Nobody investigates properly, nobody looks into materials I have provided showing data breaches and nobody fixes my accounts
Consumer complaint received 2022-12-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (IN)

On XX/XX/2022, I attempted to cash out my funds in the CashApp portal. At the time, I had {$230.00} in my online account to cash out. Historically, I was able to send and receive funds using my debit card, which I linked to the application ; consumers did not have to provide their banking information ( i.e., routing number and account number ). However, on this day, when attempting to cash out, I was prompted to provide my banking routing number and account number to cash out my funds. I have never provided CashApp with my banking information, and I only used my debit card for all incoming and outgoing transactions ; now, I am prompted to provide bank information with the standard cash-out option. 

CashApp should have informed the consumer that their financial transaction policies were changing ; however, they did not. CashApp is forcing customers to provide their banking information ( i.e., routing number and account numbers ) to cash out their funds using the standard cash-out option. Not only did CahsApp not communicate this change to the consumer, but their online help articles also continued to state that customers can explicitly cash out their debit cards. Their customer support advocates indicated that customers could cash out on on-file debit cards.

CashApp partnered with a third-party vendor, XXXX, to collect customer banking information without informing consumers ; of providing this information before the partnership. The XXXX information provided is a short description of who they are. This information is only available to the consumer during the bank account collection process, and the consumer must click the link to retrieve this information. 

Additionally, if consumers instantly transfer funds, they are not prompted to provide their bank account information. However, when consumer uses the instant transfer, they are charged a fee based on the number of funds they cash out. Further, consumers can continue using their linked debit card to send money without providing their banking information. 

I attempted to work with CashApp customer service advocates but failed to resolve the issue. I requested they send me a paper check, which they indicated they could not. I informed them they should have told the consumers before making this change, but they were still waiting for answers. I've attached several screenshots of my chat discussion with CashApp and their online help menu article indicating you can cash out to an on-file valid debit card.
Consumer complaint received 2022-12-15
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (CA)

I accidently sent payment my mistake bit immediately i tried to cancel payment and then requested a refund from the recipients with no response furthermore i contacted the institution cashapp and they told me that they would not replace my funds basically that it was my. XXXX and that they would not replace my funds. 
The funds that need to be replaced are to XXXX XXXX for {$330.00}. In XXXX 2022 and payment to XXXX XXXX for {$330.00} on XXXX 2022. I also had sent payment to XXXX XXXX at the same time bit he responded to my refund request and returned my money. Thank you
Consumer complaint received 2024-05-26
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. (MO)

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 XXXX XXXX XXXX, Account name : XXXX XXXX XXXXXXXX XXXX XXXX Account name : XXXX  # XXXX Account name : XXXX XXXX XXXX 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 : Also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 ( c ). ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any 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.

15 U.S.C 6802. I did not receive the required opt-out notice at the time the account was created and now being reported.
Consumer complaint received 2022-12-14
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. (AL)

A friend sent me XXXX XXXX  to Cash App on XX/XX/XXXX. I never got a notification for it and did not check my Cash App until I was told they sent me money on XX/XX/XXXX. My balance still said XXXX XXXX although I saw they sent the money, but right above the exact amount they sent was spent at a XXXX XXXX XXXX XXXX the day after they sent the money on XX/XX/XXXX. The last place I used my Cash App card was at a XXXX gas station in XXXX, XXXX I disputed the amount with Cash App and was denied 5 days later on XX/XX/XXXX. I disputed it again the same day which took over 3 months for them to deny. I disputed it again on XX/XX/XXXX, just for them to deny me again today, XX/XX/XXXX. I even have XXXX XXXX with the same issue saying that their Cash App cards have been swiped for the exact amounts on their balance and sent them proof that its not just me, its an ongoing thing, yet they still deny. I'm even XXXX friends with a police offer who says they have been getting more complaints about money being stolen from Cash Apps.
Consumer complaint received 2023-11-02
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. (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. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX  Account NumberXXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account NumberXXXX 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 2022-12-14
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. (TN)

My card was stolen at at gas station. I may have dropped my card and I called cash app customer service the next day when I realized it was a transaction that wasnt made by me .they wouldnt provide me the store information so I can call the store myself also to inform them. I filed a dispute that same day XXXX XXXX and was denied today XX/XX/2022 I ask them why and they provided me more information today it said insufficient funds is the reason why they denied me. I couldnt talk to a manager or no one to resolve issues they wouldnt provided me no more information told me case close. I ask them can I reopen the case and the information giving to me is not correct to open the case. I call representatives for help and both told me no more information can be given on this claim.