davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-23
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. (FL)

I was an Iphone user, around a month ago I purchased a new phone and switched to android. I downloaded the cashapp app on my phone and opened a new account, cashapp app asked me to choose a nametag and everything, for some reason and I don't know how that phone number got in there, but an reallyold phone number of mine was introduced in the process of creating the cashapp account, cashapp app never asked me to introduce any phone number ( so not my fault ), around a week ago I had to factory reset my cellphone, then I downloaded the cashapp app again, but this time is giving me a different account with XXXX balance, when I tried looking into this I find out the old phone number is there, my cashapp account has a balance of $ XXXX dollars. When I call cashapp the agents tell me that they are unable to help me because the system is not letting them and just hang up on me. We are talking about {$1000.00}, I sent money back and forth between XXXX cashapp accounts, XXXX of the is the XXXX in question, accounts are under my name, my SS # is linked to account, I offered to send proof of identity, I'm willing to provide anything, in person if I have to. They basically put a hold on my check, I already changed the account so my check will no longer go into this account. Please I need help recovering my funds. 

Thank you
Consumer complaint received 2023-01-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc. (NC)

XXXX up XXXX is holding funds that are in my account for 90 days. They 90 days has passed. They sent an email saying my funds would be realized within XXXX business days of XX/XX/2023. It is now XX/XX/2023 and I have yet to receive the {$3000.00} in my account. I would like my funds to be released to the bank account on file.
Consumer complaint received 2024-04-09
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Klarna AB (NY)

This concerns possible fraud by a third-party co called Klarna and a fourth-party called XXXX XXXX  interfering in a transaction I did via XXXX. 
I made XXXX  res at a cabin in XXXX for XXXX intended to stay together with elderly XXXX  relatives. It turned out it would be a health and safety hazard .... BUT BECAUSE the owner was not forthcoming about the precise location, it took days to affirm it was deep in a snowy forest MILES from where we needed to gather with our elder, unhealthy relatives. 
I immediately requested cancel. It was unsafe, unusable for us. I did not get any rimmediately response, but always use my XXXX XXXX credit card for travel arrangement -- I let XXXX know, and XXXX, and booked an appropriate place with XXXX. It was payed in full ; the owner says she " was fully paid '' ; XXXX has had XXXX 'ambassadors ' call me and say I don't owe money. 

Despite having agreed with XXXX that that mater was resolved and we did not owe Klarna or XXXX anything, Klarna keeps putting this amount, {$840.00}, or now more than {$900.00} in letters and emails and says it has sent it to collections XX/XX/XXXX. I have a scan of the letter. I would like Klarna to cease and desist from harassing and threatening my credit rating. I am a senior on fixed income, this is not the time I want that threatened.
Consumer complaint received 2023-02-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Block, Inc. (FL)

On XX/XX/2023 at XXXX XXXX  and XXXX XXXX a friend sent me {$310.00} and {$85.00} via cash app. The {$85.00} transaction is showing as " pending '' and the {$310.00} payment is not appearing on my end at all. Cash App support says " We're aware of a connection issue that is affecting multiple features of the app, including logins, sign ups, and person to person payments. Please do not retry your payments while we work on a fix. For updates, please visit status.cash.app. '' There is no timeline for when the problem will be resolved. When I asked for further support I received the message " I'll get you to someone who can help. This may take a few hours, but you don't have to wait. We'll notify you when they reply. '' Cash App was aware of the issue, but made no attempt to notify anyone of the issue, instead I had to navigate through the support menu to see that anything was awry. I feel Cash App should have a duty to notify people that money being sent may not be received as normal, and could have stated so upon opening the app, when attempting to send money, or through a push notification. I had to select an option to be notified when the issue was fixed.
Consumer complaint received 2023-02-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (GA)

I contacted CashApp and advised them that my child is a minor and asked them to close the account. I asked whats the procedure to close the account for minors. Explained I can provide ID for minor child, explained Im the parent and would like to know the policy on closing the account for minor. I was advised Im not able to close the account with out having access to the account, and unable to access the account to close it due to privacy concerns.
Consumer complaint received 2023-02-22
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: Block, Inc. (AL)

I received my Tax Refund on XXXX/XXXX/2022 it was deposited into my Cash App account at XXXX, I re paid Cash App {$14.00} and {$21.00} those are the only transaction I authorized on my cash App account, around XXXXXXXX XXXX Cash app allowed someone to withdraw {$4000.00} from my Cash App account, I began to call them to find out what happened, I open a dispute claim, not long after I open the dispute they said I sent the money, I have never heard of the person, my account was also locked when the money was removed. I have filed a dispute at least 4 times with Cash App because they keep saying it was me. I have attached documents that will show different times that I sent the money. Please help me get my money back. I am a single mother of one child with no help. Cash App know they missed up but don't want to admit it.
Consumer complaint received 2023-02-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Block, Inc. (IA)

On XX/XX/2023 at about XXXX or XXXXXXXX XXXX. I tried transferring {$1.00}, XXXX from my cash app account to my XXXX XXXX XXXX XXXXXXXX XXXX  account. I was unaware at the time that XXXX  only allows transfers up to {$1000.00} So my transfer was rejected by XXXX. On cash apps end though it shows as being completed. No after reaching out to both companies over a XXXX period being told by both banks that I am to contact the other bank. After about day XXXX XXXX cash app employees decided to just plain hang up on me telling me there's no other information they can provide me. Both banks just keep pointing the finger at each other giving me no resolution to the problem. My money should have gone from Cash app to XXXX, But the transfer was rejected with XXXX  telling me that the money should have been sent back to cash app but cash app and their employees just keep telling me that the transfer was completed and now over {$1000.00} of my money is just sitting in limbo with no one offering an actual solution or to resolve this issue. As you'll be able to see in the attached screenshots the money says completed on cash apps end but then you'll see in another screenshot from my XXXX  account that that money never arrived.
Consumer complaint received 2022-09-29
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION (IN)

Hi my name is XXXXXXXX XXXX  I had open an account with Navy Federal Credit Union been a Year and half now. My father was an XXXX XXXX and I had open and account with my father death certificate his social number on it and my Social Security number my ID Card in XXXX, XXXX  and the one I email there XXXX. I faxed them my account information with a code number and they ain't contact me in XX/XX/XXXX. And I faxed again to there department on XX/XX/XXXX have receipts proof well it all started a bank teller that customer service when I called there number alot times she put the wrong code in the system a young lady done that to me and I been having direct deposit from my Social Security Income and they send my money back and no letter in the mail and I even spoke to an Managers four times even yesterday. I called this number XXXX and I been getting where they got my XXXX ID card I send them twice and they have my Old XXXX, XXXX  Social Security number even a police report that my Identity Theft happin to me and the customer service said to me she said that they ain't help me at all and I send in to much to there department. I asked to speak to an General Manager and not never let me speak to no XXXX at all since that lady mess up that checking account I had and never mailed me a letter that the account was closed I even send some information to the Federal Trade Identity Theft department and what going on to I really want to let this place know what they have done to me my money went direct deposit and they send back to the Social Security Administration place back to XXXX XXXX  to and I have bills over u got pay and never got a call at all by no Supervisor and General Manager at this Navy Federal Credit Union they what stealing my Identity Theft I mean this and I am going XXXX this Bank mean it my father is deceased been since XXXX and I never knew I will be done again by this kind bank that do XXXX, XXXX, Military peoples and family well my dad was in the XXXX XXXX XXXX, and two other Wars for United States Of America he was retired before he passed away I want to let this place what they have done to me and never gotten letter why my account was closed and it's there faught what that young lady done to me over the phone I got her name and date time when she done that to me and my money that I done a issues went on never got my money back in that account either with my debit card to at am Hotel where I did an disputed about and over charged to never got my {$100.00} back at all. Now my money going be returning and my bills is all behind.
Consumer complaint received 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE THE ITEMS I NEED DELETED ARE LISTED IN THIS REPORT. I AM A VICTIM OF IDENTITY THEFT & DEMAND THAT YALL REMOVE THESE ITEMES TO CORRECT MY CREDIT REPORT IMMEDIATELY! I HAVE REPORTED THIS TO THE FEDERAL TRADE COMMISSION AFFIDAVIT
Consumer complaint received 2023-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CT)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX 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 OF XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-10-18
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)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666
B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt. 
( d ) Consumer defined For the purpose of this section, the term consumer includes the consumers spouse, parent ( if the consumer is a minor ), guardian, executor, or administrator. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DISCOVER BANK (NV)

I checked my credit score through the XXXX Banking app, it went down by XXXX points. Notes says Inquiry by Discover Financial Services I contacted Discover and they said no accounts were made using my information. I did not make or apply for an account with Discover. I did not authorize any company recently to run my credit.
Consumer complaint received 2022-02-28
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # 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 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I sent a letter to the 3 Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXXXXXX Balance Owed : {$620.00}.
Consumer complaint received 2023-02-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (IL)

CashApp refused to honor regulation E of the Federal Reserve Board and denied my claim of fraudulent manipulation in a XXXX scam. I trusted the company as a fiduciary and custodian of my funds to help me when their XXXX exchange service that they facilitate was used to misappropriate my legitimate funds. A scam caller pretending to be my bank coerced and scared me into transferring money to CashApp to stop an impending large debit which the fraudster used to purchase XXXX  and export without a trace. Below totals to over {$2300.00} in lost funds not helped or honored by CashApp in this grand scheme. 

XXXX/2022 - XXXX/XXXX/2022 - {$2300.00} in external transfers that they would not shut down after being alerted of fraudulent takeover and revocation of authorization for a user. CashApp refused to help me further and now my bank is exiting relationship citing me as a high risk customer and closing my account. Please help me reach out to CashApp to recover my hard - earned money. I reached out to them XX/XX/2022 the same day and they refused to help me saying check our FAQs to mitigate fraud. BEWARE!!! Next is to file with the SEC.
Consumer complaint received 2023-10-18
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. (NY)

Company claims to be part of us department of EDU.. 
On XX/XX/XXXX the ( REAL ) DEPARTMENT OF EDUCATION stated no loan nor debt in any amount is owed nor passed off to a collection agency Also stating that the information provided on my credit report is not associated with the department of education the phone number no address, JUST A NAME! there is no proof of contract. The reporting company has not done the due diligence of finding any contracts involved. Not researching the contact information of the company which has a phone number that is fraud This giving me a clear understanding of facts that my rights are being violated under the Fair credit reporting act. 

Opened XXXX XXXX XXXX XXXX  US DEPARTMENT OF EDU Second account involved : Opened XXXX XXXX XXXX XXXX US DEPARTMENT OF EDU I used the contact information provided of which is claiming the debt and found out it to be fraud. I then contacted the department of education and found out no debt is owed, then reached out to the credit reporting agency who could not provide me with any proof of consent or contract of the debt claiming to be owed, false information with the title edu.. please be responsible and understanding the different levels of identity theft fraud and misuse of information .. ( FCRA ) Thank you!
Consumer complaint received 2023-02-22
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Block, Inc. (TX)

I had a prepaid card with Cash App ( XXXX bank ) for which I had to dispute a purchase because of goods not being as described. This is a legitimate reason to dispute a purchase, but Cash App referred to it as a violation and deactivated the card, making it impossible to use the money loaded onto it.
Consumer complaint received 2023-02-21
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. (WI)

I was harmed on both XX/XX/XXXX & XX/XX/XXXX as a result of the company Cashapp in any order and or variation of the words posted, acknowledged and or accepted the transaction ( s ) and held my cash pending for days. At times when someone I owed came to collect some of there money I couldnt pay that person and we got into fisticuffs I received bodily injuring blows and at one point I was having an XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and I could not remove myself from the situation because my life was being threatened by my body because the company Cashapp not immediately returning the cash to the account. 
Whether the companys app relayed that the transaction ( s ) is or are of NOT ENOUGH CASH ( Declined ), Voided or Canceled I shouldve been able to a ( void ) the conflicts and the injuries they incurred because of the cashs absence. 

Does the company Cashapp deny that they in any order and or variation posted, acknowledged, and or accepted the cash available that enabled the merchant to have to be one to cancel a or the transaction ( s )?
Consumer complaint received 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XXXXXXXX XXXX XXXX but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX {$360.00} XXXX XXXX XXXXXXXX {$220.00} XXXX XXXX XXXX XXXXXXXX {$200.00}
Consumer complaint received 2023-01-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (SC)

I have had an open and active Square account since last year. Upon getting the account I had to send in to t hem all of the required documentation to open the business account. Since XXXX Square has placed a hold each time I have had a client or customer to make a payment via the device terminal I purchased through them. They continue to ask me the same questions that I have already answered before and they put holds on my deposits. I was asked on yesterday about manual transactions which none of them were manual the clients used the terminal to swipe their cards. I am not understanding why they keep doing this. I have noticed they have over XXXX reviews since last month of them doing this other account holders and holding their funds for 90 days for no reason.
Consumer complaint received 2023-10-18
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I ordered a copy of my report in Identity IQ and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX, Experian and XXXX have not answered my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete its investigation within 30 days. Please check the payment history, date open, last activity, and Status of these accounts listed below. I believe it was reported in error. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX