davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (CA)

Well Im XX/XX/XXXX I sold my XXXX XXXX to someone and went on with my life. On XX/XX/XXXX, I wake up from a nap and have a notification on my phone showing that my email was removed from my cashapp account and my phone number and that the {$500.00} I had in the account was sent to someone without my permission. When I went to try and log in, was directed to create a new Cash App login. Then I tried to login using my email and realized that my email was removed from Cash App then I contact a cash app and try to do a claim with him and told him all the information what happened and stated that I saw my phone on XX/XX/XXXX and I XX/XX/XXXX the fraudulent transaction for {$500.00} was not me but was done on my XXXX that I had just sold and I realized that I have started to sign out of my XXXX XXXX to reset it but that I didnt know you need to enter your password before you complete the reset process so when I had sold it, I simply press the factory reset button to know how to do a reset button I didnt enter my XXXX password and I handed the phone over and I took the money from the guy and left. So I think I mustve done when you got home was saw that I got a {$40.00} payment on XXXX XXXX and then proceeded to log in my cash app proceeded to remove my email and replace it with his email and remove my phone number and replace it with his phone number and then proceeded to figure out a way to get in my cash app and use my pin to complete the transaction actually there were three total transactions one was for {$500.00} in us for XXXX dollars and last one was a {$40.00} payment from XXXX XXXX. The XXXX XXXX police report number is XXXX. 
Cashapp did an investigation, and they proceeded to tell me that it was me who made the transaction and theres nothing I can do about it but Ive gotten emails before from cash app show me a suspicious login in the location of that login, so how is it that I was logged in my XXXX XXXX at the time of the transaction and I know the cash app knows that and the transaction was made from an XXXX XXXX  and that XXXXXXXX XXXX was not where my XXXX XXXX was nor was it at my house so that shows that it was not me who made the transaction in Cash App still declined to pay or denied my claim. I havent found a police report rt and include the number previously. So now I dont know what to do with a contact because now Im out of {$540.00} and the cash app is stating that Im in a transaction what else am I supposed to do or can I do feel like I got robbed again for cash app not honoring my claim
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (NC)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 It also states a consumer reporting agency Can not furnish an account without my written instructions.

Under 15 USC 1666B a creditor may not treat a credit card account as late for any purpose.

Under 15 USC 1666B a creditor may not treat a payment on a credit card open-end consider credit pan as late for any purpose.
Consumer complaint received 2024-08-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

To Whom It May Concern, This letter serves as an official notice and demand for immediate action regarding the grossly inaccurate, unverifiable, and fraudulent information that your agency has irresponsibly reported on my credit file. My recent investigation into my credit report revealed numerous inaccuracies that have caused me severe emotional distress, including XXXX, as a direct result of your agency 's negligence. Under 15 U.S. Code 1681e ( b ), your agency is legally obligated to ensure the maximum possible accuracy of the information contained in a consumers report. It is clear that you have failed to meet this standard, and I am holding you accountable. Additionally, under 15 U.S. Code 1681i ( a ) ( 5 ) ( A ), if any information disputed by a consumer is found to be inaccurate, incomplete, or unverifiable after reinvestigation, your agency is required to promptly delete that information or modify it as necessary. You are further obligated to notify the furnisher of the information of any deletions or modifications. I am giving you a strict deadline : if you can not provide me with verifiable proof of the accuracy of the items listed below within 15 days, you are required by law to delete these items from my credit report immediately. Failure to comply will result in legal action against your agency for violating federal law. 

XXXX XXXX XXXX XXXXXXXX It is conceivable that the account identified may have been reported unfairly, without proper certification, or in violation of the law. As a result, I must insist that you immediately remove any item that alleges derogatory-conditioned late payments, as mandated by the law. 

XXXX XXXX XXXX XXXXXXXX s. It is disheartening to observe that this information may be afflicted with incompleteness, obsolescence, or a lack of substantiation. I earnestly implore the removal of any inaccurate or unsupported content from this page, as such discrepancies are dismaying. Your prompt attention to rectifying this situation would be deeply appreciated. 

XXXX XXXX - XXXX It is imperative to acknowledge that this information could be potentially incomplete, outdated, or lacking proper validation. We kindly request the removal of any inaccurate or unsupported content from this page.
Consumer complaint received 2021-06-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc. (FL)

I have an account with Binance.US and i have been putting my money in as an investment for crypto currency. One day O tried logging in and all of a sudden my password was incorrect. I tried using the forgot password link but its not sending me the forgot password code. I never changed and of my information. I have been submitting requests to their online customer service since XXXX and I have yet to get any sort of response or resolution. They have kept all my money and theres nobody to reach out to in order to get this matter resolved. They are a complete scam stealing money from innocent hardworking Americans!
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AZ)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-12-06
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX RE : Alleged Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) Billing Error ) Upon reviewing my credit report recently, I observed multiple instances of billing errors as defined under 15 U.S. Code 1666 ( b ) billing error, specifically : ( 4 ) The creditor 's failure to accurately reflect on a statement a payment made by the obligor, or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature by the creditor on a statement. 

It has come to my attention that the creditor failed to provide the requisite 21-day notice ( approximately 3 weeks ) before issuing a statement, thereby negating any grounds for late payments on the mentioned accounts. I am requesting conclusive evidence from the creditor 's bank account to substantiate the claim of non-payment resulting in late markings, as this appears to be a clear billing error. 

I insist that the following items be promptly updated to " paid as agreed '' on my consumer 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 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 As a consumer protected by law, these accounts must be expeditiously updated or removed from my record. Failure to comply will compel me to pursue monetary compensation for the infringement of my rights through small claims court under 15 USC 1681n civil liability. 

Additionally, be informed that this matter has been escalated by submitting a formal complaint to the Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-08-04
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NJ)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB, in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-10-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Penn Credit Corporation (FL)

I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2023-10-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (CA)

Not surprising but unacceptable that Cash App refuses to refund my STOLEN money. The whole basis of my dispute is UNAUTHORIZED FRAUDULENT payments ( 2 of them amounting to {$1900.00} which was my entire cashapp balance ) made by thief ( s ) who gained access to my cashapp by stealing my phone and making the fraudulent withdrawals emptying my entire cashapp account. Cashapp is trying to say those fraudulent charges were authorized and or made by me. Does Cashapp really think I would authorize myself or anyone else to empty my entire cash app account??!!? I filed a police report as well as contacted cash app support and filed a dispute the very moment I discovered the fraudulent charges merely an hour after my phone was stolen. I am now escalating tgis to report with CFPB as well as filing a formal complaint with the XXXX XXXX XXXX
Consumer complaint received 2024-09-19
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. (OH)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2021-06-02
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am so upset. My family and I have been struggling to get a house. I had viewed my credit report and have reached out to you about the errors that I found on my credit report. I will not sit around and be bullied by your company. I deserve to be treated with respect. I work to hard to have to suffer through this madness. I refuse to shed any more tears over this unfair treatment. " 15 U.S. Code 1681 - Congressional discoveries and mission statement ( a ) Accuracy and reasonableness of credit revealing ( 1 ) The financial framework is subject to reasonable and exact credit announcing. Mistaken credit reports straightforwardly debilitate the proficiency of the financial framework, and uncalled for credit detailing techniques subvert the public certainty which is crucial for the kept working of the banking system. ( 3 ) Consumer announcing offices have expected an imperative part in gathering and assessing customer credit and other data on buyers. The financial framework is reliant upon the reasonable and exactness detailing of purchaser offices. At the point when you neglect to manage your work in addition to the fact that it hurts me it influences the financial framework. The financial framework brings in cash by loaning to shoppers like me. I have connected a few times whining about the wrong things on my buyer report. Well I am complete the process of grumbling. I request you eliminate these incorrect things or I will look for suit for the entirety of the infringement and for the torment you folks have caused me by destroying my standing by announcing erroneous things.
Consumer complaint received 2021-06-02
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. (NC)

I am very distressed due to the fact that I have been contacting Equifax since XX/XX/2021 about the incorrect information on my credit report. They have been sending me stall tactics and they have violated my consumer laws. 

Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( I ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Notice, congress said ANY card, The Credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should alb removed from my consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that they remove this transaction from my report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41. 

This is the account that is incorrect and needs to be deleted and blocked XXXX XXXX XXXX This inaccurate information is causing me distress and it is going to continue to cause me stress until they remove this account. It has been over 4 months they have been violating me and wasting my time. XXXX  deleted the account because they violated my consumer rights!
Consumer complaint received 2020-11-19
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 — Was not notified of investigation status or results
Company: Santander Consumer USA Holdings Inc. (AL)

Failure to comply on POLP and PHR request.I NEVER received a response or any proof to verify under FCRA 623 ( a ) ( 8 ). 

SANTANDER CONSUMER USA XXXX Date Opened XX/XX/2017 XXXX
Consumer complaint received 2021-09-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I am submitting this complaint because I am being extremely affected by Kohls, They are being completely unfair and I dont know how to get ahold on them but through this portal.

I want to express that I have suffered a big impact in my credit score and I have lived one of the worst periods of my life with all this situation. 

During XXXX I went to the Kohls store, and was going to pay cash for a transaction, I was told if I applied for a Kohls card I would get a discount. I made the purchase and paid the person in cash, and in fact handed the person the exact amount.

however later I found out that not only did the Kohls rep take my cash, but they also charged the card. I only found out about this months later when I received calls from Kohls.

Kohls told me to dispute with the fraud dept which I did.

They made me go to the store to get camera proof, the store didnt help and while all this was going on, Kohls marked me late. 

I then paid off the collection company {$200.00} odd, theyve marked me late 90 days I never even activated the card. Im a frontline health care worker, I was robbed of cash by a Kohls representative and now due to this fraud I have. late payment.

Account information : Balance : {$0.00} Credit limit : {$300.00} Account status : Paid Closed :XX/XX/2019 Demand : I am requesting a deletion of my account from all credit bureaus.
Consumer complaint received 2021-03-18
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

On XX/XX/2020, I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored for my disputes and concerns. 
Section 611 ( A ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2023-10-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Dear CFPB I have relentlessly been dealing with trying to remove a once deleted account on my credit report and XXXX XXXX XXXX Transunion has continued to fail me each and every time. It appears that it's about ruining a persons creditworthiness is more important than protecting them. I was a victim of ID Theft in early XXXX and some accounts have been removed and others have not. After careful review of my credit report I see the discrepancy of the reporting and I demand immediate deletion off of my reports. XXXX XXXX XXXX XXXX XXXX ( {$15000.00} ) & Account # XXXX ( {$7200.00} ) in the was opened in XXXX of XXXX and shows first reporting 30 days late in XXXX. There is no way an account can go an entire year and be reported a year later 30 days late! The other account XXXX was opened in XXXX and has no reporting history until two years later showing the first payment being 30 days past due 2 years later in XXXX which is impossible if no payments were made at all. I have asked them to show me how they have verified this information and they have failed me. 

The accounts are in fact past GA Statue of limitations which is well over 6 years. I did not make any payments because it was ID theft. Also after careful review XXXX is reporting the same account also XXXX XXXX XXXX as never late paid and closed date opened XXXX. 

XXXX also added these same accounts back to my credit report after deletion I was not advised of the reinsertion via XXXX until 10 days later and when I spoke with XXXX regarding this I was told " oh well sorry '' which is a violation per FCRA The last reply from XXXX was rude and in all caps! Very unprofessional. 

I also asked that each bureau remove all previous address off of my report and to only report my current address and they did not. None of the old address are associated with any of my current accounts. This is my third request and I a kindly ask them to fix this as well. 

I have sent the same documents regarding my ID Theft of my ID, Police Report, and FTC affidavit several times only for them to seem to lose, or not use them at all!
Consumer complaint received 2021-06-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AR)

Debt of less than {$800.00} from XXXX XXXX was from XXXX or earlier and should have been written off AND removed from my credit reporf ; however, debt collector not only is attempt to collect, they bypassed the statute of limitations and have re-entered the same debt a second time on my credit report, but with a new date of XX/XX/XXXX. Today is XX/XX/XXXX and I have received XXXX pages of collection documentation. Statute of limitations in Arkansas is 5 years ... so this is now past the statute for the second ( illegal ) posting to my credit report ... right?
Consumer complaint received 2021-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This account, XXXX XXXX # XXXX ...., is reporting 3 different Last Date Active. 

TU reports XXXX XXXX  reports XXXX XXXX  reports XXXX This is in violation, and needs to be removed immediately from all 3 credit bureaus.