davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MI)

Subject : Dispute of Unauthorized Changes to Personal Statement on Credit Report Dear CFPB, I am filing a formal complaint regarding an unauthorized change to my personal statement on my credit report with Experian. 

Recently, I discovered that Experian added the following statement to my report without my consent : XXXX XXXX XXXX XXXX XXXX ID SECURITY ALERT/ACTIVE DUTY ALERT : FRAUDULENT APPLICATIONS XXXX BE SUBMITTED IN MY NAME OR MY IDENTITY XXXX HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. I AM CURRENTLY ON ACTIVE MILITARY DUTY, DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. I CAN BE REACHED AT XXXX. THIS ALERT WILL BE MAINTAINED ON FILE FOR 1 YEAR BEGINNING XXXX. '' At no point did I request this statement, nor have I ever indicated that I am on active military duty. This is a clear misrepresentation of my personal information, which is extremely concerning, as it undermines my trust in XXXX ability to handle consumers credit reports accurately and securely. 

This unauthorized change is not only distressing but also unlawful, as it misrepresents my identity without my consent. 

I am requesting CFPBs immediate assistance in having this erroneous statement removed from my credit report and ensuring that no unauthorized changes are made in the future. 

Thank you for your attention to this matter. I look forward to your assistance in resolving this issue promptly. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2020-06-24
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. (AR)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security. 

XXXX XXXX XXXX {$1700.00}
Consumer complaint received 2021-05-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (NJ)

I was searching for an item on social media and I had came across the item I was looking for. I had conversations with the seller prior to sending him the money. He did all he could to make me believe him and he succeeded in doing that much. He sent me pictures of the product I wanted inside a box that wasnt closed yet and told me its ready to ship, all I needed to do was send the money so he can go send it through XXXX. On XX/XX/XXXX, I had sent him {$470.00} for the product and he asked for it to be sent through cashapp. He then waited a couple days and then deleted his social media and I never received what I was promised. The cashapp account, however, was connected to my bank account, so the funds were taken straight out of my bank account. Knowing this, a few days later I filed a dispute in hope of getting a chargeback but to no avail. They informed me that they werent successful in getting my money back. I asked cashapp prior to contacting my bank and they said all I could do is ask the guy for a refund. He declined my refund. I grabbed screenshots of our conversations to maybe prove to anyone that I was indeed scammed. The pictures have him promising to send me my product and him sending me some information of his aswell. The cashapp account that it was sent to is $ XXXX. He also gave me his phone number. XXXX ( XXXX XXXX XXXX.
Consumer complaint received 2021-05-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (FL)

I opened a cash app account at the request of my tenant, that is how he wanted to pay his rent since we are in different states. On XX/XX/XXXX he deposited {$1500.00} in my account, I tried to activate my card and I couldnt get it activated, so I called the toll free number that cash app had on their website, a man with broken English answered the phone ( which didnt alarm me, as that happens often ). During the course of the conversation he was sending me codes from cash app which I have copies of. We also got disconnected and he called me back on a XXXX number which didnt alarm me either as so many people are working from home. After he helped me activate my card ( so I thought ) he asked me if I wanted my limit increased and he told me some numbers to punch on my phone to increase my limit. When I hung up I had a feeling something wasnt right ( I worked in a bank for 25 yrs and I am not easity scammed ) so I brought up my bank account and {$1000.00} was withdrawn and deposited in my cash app account. I then emailed cash app immediately and told them what happened and not to let any money get withdrawn from my account. They sent me back a confirmation of receipt and I emailed them again and told them to hurry up as I didnt want anything to come out of that account. I couldnt do anything on my end because my phone was jammed and it would let me do anything. They did absolutely nothing, the next day around noon they let a withdrawal from my account for {$2500.00} go through. Cash app is liable for my loss because they had bogus phone number posted on their website and then when I notified them at approximately XXXX pm on XX/XX/XXXX they did nothing and let {$2500.00} get withdrawn from my account the next day. After exchanging over 40 emails with them and getting nowhere, I contacted the California BBB and they were able to get them to refund me {$1000.00} but cash app still owes me {$1500.00}. I have copies of all the emails and their answer to BBB that I would like to send to you, they tell a considerable amount more that I am able to in this description.
Consumer complaint received 2020-06-23
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. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX  XXXX {$690.00}
Consumer complaint received 2021-05-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (NY)

On XX/XX/2021 I was invited to submit a payment in a cashapp money flip, whereby I was to submit {$100.00} that would be flipped for a higher amount within 10 to 15 minutes. I submitted the {$100.00} payment and received a response stating that a payment, in the amount of {$2500.00}, is pending an IRS fee of {$250.00}. I submitted the " fee '', but nothing came through. After reaching out to cashapp support I was advised that they could not or would not act to assist me in resolving the issue. I have maintained copies of all of the online conversations between me and " XXXX XXXX '', the phone numbers used in the telephone conversations, the cashapp " XXXX '' and name of the party payments were submitted to as well as those parts of the online conversation where the company associate, XXXX XXXX, implies association directly with cashapp and the IRS. It is my sincere belief that an employee or employees at Cashapp are facilitators or co-conspirators to and of the scam. Documents have been maintained to prove that I acted in good faith with a legitimate expectation of receiving the services payed for. No service has been provided to date and Cashapp has suspended my ability to seek refund from the recipient XXXX XXXX, XXXX XXXX ( the recipient I was directed to send money to, as part of the business, by XXXX XXXX, XXXX, XXXX, and an unknown male actor, XXXX.
Consumer complaint received 2021-05-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc. (SC)

We set up a square account for our business to accept card payments. The square account was set up XX/XX/XXXX. The first payment from a client was XX/XX/XXXX. We has no issues with square transferring our money into our bank account at XXXX XXXXXXXX XXXX. All transfers from square were made the next day into our business checking account. At the end of XX/XX/XXXX we realized the last deposit from square that entered our account was from XX/XX/XXXX. We contacted square to see where our missing XXXX and XX/XX/XXXX deposits were. Square put a hold on our account. They asked us to submit documentation to verify our bank account information. On XX/XX/XXXX we submitted our last three months of bank statements to square from our XXXX XXXXXXXX XXXX  account. On XX/XX/XXXX we received an email from square stating our account with them had been deactivated. At that point in time we believed {$31000.00} was being held by square. Square stated in the deactivation email from XX/XX/XXXX that our funds would be transferred in two business dates making that date XX/XX/XXXX. No transfers were received on XX/XX/XXXX. Multiple attempts between XX/XX/XXXX and XX/XX/XXXX were made to square on why it was deactivated and when we would receive our funds. On Monday XX/XX/XXXX we discovered another bank account was linked to our square. It was a XXXX XXXX XXXXXXXX account. We saw that we had {$17000.00} available to transfer into our bank account. We were manually able to re-enter our information for XXXX XXXX. We received a conformation email stating that the account was changed and the {$17000.00} was successfully transferred into our XXXX XXXX account. We never received an email when it was changed from the XXXX XXXX bank to the XXXX XXXX XXXXXXXX. As for the other {$13000.00} it was transferred into the XXXX XXXX XXXXXXXX account on two different instant transfers. All previous transfer were 1 to 2 business days never instant. The first instant transfer was made on XX/XX/XXXX for the amount of {$7900.00} and the second instant transfer being on XX/XX/XXXX for {$5500.00}. Fraudulent claims have been made to XXXX XXXX XXXXXXXX, a police report has been filed, a report with the FBI has been filed and a complaint to the FDIC. No one at square has contacted us back and we continue to make several attempts daily to contact them.
Consumer complaint received 2020-06-23
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. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX {$25000.00}
Consumer complaint received 2021-05-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (CT)

On XX/XX/XXXX I was scammed by a person from XXXX I tried to buy a XXXX XXXX and he told me the price and showed invalid proof that he was not a scam so I sent him the money which he ended up being a scam because he told me that I would get an email to confirm that the XXXX would be sent and once I messaged him back to tell him that I did not get the email he blocked me so I contacted cashapp to try to get my money back and they told me since it was a cash transaction that I cant get my money back but I have all the proof to show that it was a scam
Consumer complaint received 2020-06-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : US DEPT OF ED/XXXX, USDOE/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX, XXXX XXXX XXXX
Consumer complaint received 2019-08-09
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. (TX)

I recently applied for a furnisher account long story short I was denied. I don't understand why I would be because I typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. I'm unsure of how this happened. I need this items deleted from my credit report. 1 XXXX, XXXX, XXXX, XXXX, US DEPT ED, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX, XXXX, XXXX XXXX. inquiries : XXXX XXXX/XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX.
Consumer complaint received 2020-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XXXX XXXX 2019 i qualified for a Capital one platinum  Master card and was told to pay XXXXdollars to get a secured credit card of XXXX dollars limit, i was again advised that i can get more if i pay higher deposit so i added XXXX dollar more which totalled XXXX dollars with Capital one bank to get a secured credit card Having used this card for a year, of XXXX dollar credit limit was increased so i applied for another credit card and qualified for Unsecured Savor card of XXXX dollar limit.now this two card were merged together by Capital One bank of Two cards One ACCOUNT. 
Using the card excellently my credit score raised to XXXX Fico score but i had a fradulent transaction on my account and inform Capital One and XXXX   Credit Bureaus to investigate my claim, After a Month they concluded the investigations. 
Capital One with XXXX  without my authorization closed my account that had been used for more than a year without no letter in the mail or permission. This action dipped my credit score and affected my score line. 
i called Capital one on XX/XX/XXXX to request information about my Secured Platinum   card which i paid XXXX dollar deposit for and they told me they close the account and can not issue me my money back because they said the account was reported as fraud My fight is that My credit card which have used for a long time with good credit history was erased with no permission and then they decline to refund me my security deposit i paid for the card which due to their fault also affected my credit score i am dutifully requesting this issues fixed with Capital One and my money refunded immediately
Consumer complaint received 2020-06-24
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: EQUIFAX, INC. (AR)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX   XXXX {$4600.00} XXXX XXXX XXXX {$270.00}
Consumer complaint received 2024-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to file a formal complaint regarding fraudulent inquiries on my credit report. Upon reviewing my credit report, I discovered several inquiries that I do not recognize and believe to be the result of fraudulent activity. The unauthorized inquiries have significantly impacted my credit score and have raised concerns about potential identity theft. I have attached a copy of my credit report highlighting the unauthorized inquiries for your reference. The unauthorized inquiries have significantly impacted my credit score and have raised concerns about potential identity theft. I have attached a copy of my credit report highlighting the unauthorized inquiries for your reference.
Consumer complaint received 2020-06-23
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

bankruptcy case.after the case was thrown out. Port folio recovery assoc. were told not to call again. they for some reason got off my credit report. now they r back at it. calling different times and from different numbers .now are calling my alpine airconditioning work phone. they have been told to stop, and keep chasing the ambulance. a bunch of ambulance chasers is what i call them. the company that had the debt wrote it off on insurance and these chasers must have bought the debt. so they r pestering me again. this has been going on since the XXXX  closure of the case.
Consumer complaint received 2024-09-02
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. (TN)

On XX/XX/year> I received a response from Trans Union credit bureau stating XXXX XXXX XXXX which Ive had a dispute with is verified as reported. And XXXX XXXX XXXX was verified as reported. The account with XXXX XXXX XXXX account ending in XXXX. Case number XXXX. I received a letterhead from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX stating that XXXX XXXX XXXX was requesting, the removal of their credit listing from credit reports. I will send a copy of this letterhead in the attachments XXXX XXXX XXXX XXXX account ending in XXXX. Case number XXXX. Once again informing you that I dont recognize this fraudulent account nor do, I admit any responsibility without proof of the contractual obligation. Therefore, as is my right under the fair credit reporting act, 609 ( 5 ) Im requesting that they prove they are the original due holder In the course of this debt. Im requesting the original documents where they bought this Debt. Im requesting that they show counter records that prove I open this debt up until this present time. Im requesting that they show all original documents, bearing my signature and authorization of this fraudulent Account. Im requesting your method of verification pertaining to those documents as is my right per Fair credit reporting act 611 ( 5 ) ( a ). Im informing you that youre off offense is amount to aggravated identity theft pursuant to 18.U.S.C.~1028A. You have knowingly transferred, possessed, or used, without lawful authority, A means of identification of me, which is a felony punishable with up to two years of imprisonment in addition to civil liability. Pursuant to 15.U.S.C.~1681n ( a ), Any person who knowingly and willfully obtains Information on a consumer from a consumer reporting agency under false pretenses shall be fined Under title 18, in prison for not more than two years, or both. Consumers suffer harm when consumer reporting agencies and furnishers Of information, allow fraudulent activities to persist without proper authorization from the consumer. These harms Include the invasion of consumer privacy, as well as reputational, emotional, physical, and economical harms. Ive been hindered from establishing new lines of credit and credit lines of increases because of your willful violation of my rights and the fair credit reporting act, therefore demanding that this account be blocked and deleted because they dont belong to me, and once again attaching proof of my incarceration from family and government agencies during the time this account was open, which proves it wasnt me as well as other information concerning these proofs.
Consumer complaint received 2020-06-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc. (DE)

I am filing this complaint based on the lawsuit filed against Santander Consumer USA. A lawsuit was filed against the company for financing and securitization of sub-prime auto loans in Maryland. I was a victim of this lawsuit ; I purchased a XXXX XXXX XXXX from XXXX XXXX and XXXX in XXXX MD, XXXX XXXX XXXX. My credit score at  the time was low, however I was approved for a vehicle through Santander banking, with an interest rate of 21.83 % .The amount financed is XXXX and with the interest I will be paying XXXX. I have paid approximately XXXX into the auto loan since XX/XX/2017. I have the Sales Contract and any other documentation that is needed for the complaint. This has caused me a hardship. I have made payment arrangements in the last year to apply payments on the end of my contract.
Consumer complaint received 2022-08-23
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. (DC)

I sent in multiple letters ( give a date that is back dated about 60-90 days ) addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability