davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-26
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. (OH)

My card was missing. 2 days later checking my transactions i came across 2 that i didnt make. Card is still gone so i reported it to cashapp as it was stolen. Cashapp denied my dispute but refuses to give me any documentation as to why my dispute was denied even though the denial email stared to contact their support for documentation for their reasoning. This is over {$50.00} they refuse to do something about. Not the first time. I paid for services online thru cashapp to a business account but they never did the work i paid for and they refuse to do anything then either. This is flagrantly being misleading but protecting criminals and not their consumers. They state in terms and conditions they can refund fraudulent transactions but refuse do so. I feel betrayed. They even tax me for transactions under my business account so they should be held under federal financial regulations that all banks and financial services do as well.
Consumer complaint received 2023-03-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Waypoint Resource Group, LLC (CA)

I HAVE BEEN A VICTIM OF IDENTITY THEFT AND FRAUD MY PERSONAL INFORMATION WAS USED WITHOUT MY VERBAL OR WRITTEN CONSENT OR HAVE I GRANTED WRITTEN INSTRUCTIONS TO DO SO.I WOULD LIKE ALL INCORRECT INFORMATION REPORTING ON MY CONSUMERS REPORTS AND CREDIT AGENCYS TO BE REMOVED AND DELETED PERMANENTLY AND INDEFINITELY ASAP!!! BELOW ARE THE FRAUDULENT INQUIRES : 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
Consumer complaint received 2023-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AL)

FCRA requires accurate reporting. The account XXXX opened date is different on all three bureaus. The account shows a charged off amount and amount due, which is illegal. The payment history is inconsistently reported as well. The high credit amount is reported differently to all bureaus. The amount due is reported inaccurately and inconsistently. Activity dates are also not reported consistently. Account status is not accurate with all 3 bureaus. Account comments are inconsistent and inaccurate.
Consumer complaint received 2023-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-03-26
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 (MI)

Capital one credit card company closed my account and refused to refund my deposit of {$1000.00} after calling for the year and telling them I never received the card but someone was using it they falsely reporting to my credit report for a year and still have not returned my deposit I sent a rescission of contract letter and demand my refund of {$1000.00} and demand {$1000.00} fee schedule for all false report damaging my credit and livelihood
Consumer complaint received 2023-11-23
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. (TX)

I am writing to express my deep dissatisfaction and concern regarding the multiple unsuccessful attempts to remove fraudulent items from my credit report. Despite numerous efforts and diligent follow-up, the inaccuracies persist, posing a severe threat to my financial well-being and personal security. 

I initially reported instances of fraud previously, providing comprehensive documentation, including affidavits, police reports, and other necessary information. Since then, I have consistently followed your prescribed dispute resolution procedures, yet the fraudulent entries continue to mar my credit history. 

I have fulfilled all requirements, adhered to the appropriate dispute procedures, and communicated extensively with your representatives. However, the resolution of these fraudulent entries has not been achieved despite multiple attempts. 

I demand an immediate and thorough investigation into these matters. I expect the prompt removal of all fraudulent items from my credit report and a comprehensive update reflecting accurate and verified information. Additionally, I request a detailed written explanation for the persistent presence of these fraudulent entries and the measures being taken to prevent their recurrence. 

These fraudulent items not only compromise my creditworthiness but also expose me to potential financial and identity-related risks. I trust that XXXX Credit Bureaus takes these concerns seriously and is committed to upholding the accuracy and integrity of consumer credit reports. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX  XXXX XXXX Balance : {XXXX} XXXX XXXXXXXX Balance : {XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {XXXX} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {XXXX} XXXX XXXXXXXX Balance : {XXXX} XXXX XX/XX/2022 XXXX  XXXX XXXX Balance : {XXXX} XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2023-03-26
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: Experian Information Solutions Inc. (CA)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-03-26
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Spring Oaks Capital, LLC (FL)

Springs Oaks Capital LLC has been reporting false information to the credit report of the XXXX XXXXXXXX XXXX. As an authorized representative I have sent multiple letters requesting the validity of any debts that may be owed as well as copies of any contracts signed by the authorized representative. The have gone unresponsive and continue to report inaccurate information to the credit report without any consent. If this continues I will be forced to take legal action as this is identity theft and defamation of character. The XXXX XXXX XXXX has no contracts with this company.
Consumer complaint received 2024-08-27
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. (FL)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$20000.00} XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-06-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these accounts. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-21
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)

I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. The items I am disputing do not relate to any transactions that I have made or authorized. Please remove these items at the earliest possible time. 

PLEASE DELETE THE FOLLOWING FRAUDULENT ITEMS : XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX These items are inaccurate or incomplete because the items are unknown to me. Also, the information you provided on these items is different from other bureaus and I have doubts about their accuracy and the reported payment history on some items is a mystery to me, I dont remember I missed a payment. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the adverse information on the items be removed to correct the information.
Consumer complaint received 2023-03-26
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. (CO)

Yea someone been hacking my account for 3 days in a row The were trying to change my info and unlinked all my info while at the same time I was trying to fix it and they just kept trying while I kept trying to fix it they stole {$390.00} the morning of XX/XX/23 i did not make that transaction I was hacked and they tried to yesterday also on XX/XX/23 My wife made a police report yesterday because we think it was someone with in the Colorado areathe day before they tried the same thing and wasnt successful because yall had locked my account due to suspicious activity and the next day they tried it again and were able to take {$390.00} XXXX this the case number It was a card ending in XXXX
Consumer complaint received 2023-06-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

This is my second complaint, the first was submitted to my lender, Select Portfolio Servicing on XX/XX/XXXX with no response. 

As stated previously, I have title to the property located at XXXX XXXX XXXXXXXX XXXX, XXXX, CA XXXX, however the loan is in my deceased parent 's names, XXXX XXXX XXXX XXXX. I am the successor. I asked for a forbearance during COVID over the phone without any paperwork signed or a discussion of repayment options. I was able to renew the forbearance several times. I began receiving notices stating the forbearance was coming to an end with no end date. 

After a total remodel of the main home due to an unreported water leak, I was able to rent 2 of the homes and resume mortgage payment. My XX/XX/XXXX payment was accepted, then my XXXX payment was returned. A Notice of Default was filed. I began the process of assuming the loan in XX/XX/XXXX. After submitting and resubmitting documents they refused I was able to complete the assumption package XX/XX/XXXX. In the meantime a company, XXXX XXXX XXXX XXXX file a Notice of Sale for XX/XX/XXXX. 

Several customer service reps at SPS told me the foreclosure process would be halted during the assumption process. I was read a statement by my assigned Relationship Manager, XXXX XXXX stating SPS can ask for a change in the date of sale. She refused to tell me if they have asked. Today I spoke with XXXX a customer service rep who told me they can not ask for a change of sale date, but could not tell me why or direct me to someone who could ask. Instead he told me to call SPS attorney, XXXX XXXX to ask them to change the date of sale. I told him I have called and left messages with no return call. 

I have to wait 7-14 days for an answer on the assumption which will be less 23 to 30 days before the sale, leaving me no time to sell myself if I am denied the assumption. 

My contention is I am being treated unfairly and they are not attempting to help me keep the property. They will not accept a partial payment, payment arrangements or a loan modification. 

Thank you in advance for your attention and assistance in this matter. 

Kind regards, XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2023-06-21
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. (MD)

XXXX sent my credit information to XXXX companies without having my expressed written consent. 
They sent my personal credit information to, XXXX XXXXXXXX XXXX, located at XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. 
Also to, XXXX XXXX XXXX no address provided.
Consumer complaint received 2024-08-27
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. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2023-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX and other credit report companies has reported wrong loan amount totaling more than {$40000.00} on my credit which is wrong. I have already paid the balance in total as per my previous submitted complaint XXXX & XXXX
Consumer complaint received 2023-03-26
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. (IN)

I am very concerned because my credit reports are showing discrepancies and misinformation as a consumer. The lack of due diligence the credit bureaus has made truly reflects incorrectly, not only has this been a defamation of character and livelihood but a major violation of consumer rights. 
I have sent all three credit bureaus a letter and they have not corresponded.

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 that a consumer reporting agency can not furnish an 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 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

I do not understand why accounts are not reflecting true information about my reporting. I have written below all the discrepancies. I would like for all inaccurate information to be removed as this is in violation once remove Please provide with a updated credit report once information has been corrected. 


XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) Account number : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX Account number : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account number : XXXX Addresses, email addresses, and telephone numbers to remove : 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 IL XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX Emails : XXXX XXXX XXXX numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2023-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-08-27
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: Experian Information Solutions Inc. (NJ)

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 


XXXX XXXX XXXX XXXX : {$26.00}
Consumer complaint received 2023-06-21
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. (FL)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX Balance Owed : {$63000.00} ; XXXX XXXX Balance Owed : {$9000.00} ; XXXX XXXX XXXX Owed : {$2900.00}.
Consumer complaint received 2023-06-21
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. (SC)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX  XXXX Balance : {$22000.00} XXXX  XXXX Balance : {$24000.00} XXXX  XXXX Balance : {$22000.00}
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MA)

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 and I am filing this complaint for falsely reporting misleading information. There is no XXXX  party involved. Please review the uploaded letters.
Consumer complaint received 2023-06-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MT)

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 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX and XXXX ( Original Creditor : XXXX XXXX ) XXXX. 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 an 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 XXXX 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 2023-06-21
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

KOHLS DEPARTMENT STORE is showing me 30 days late in XXXX when they said they would not. They said that because it took kohls 2 months to get the card to me. It also took two months to get three bills each a different month and when I called and shared this they assured me they would not report me late to the credit bureaus. Well the reported me late in XXXX. 

Today XXXX I found out Kohls owed me money to the sum of {$40.00}. I had to fight to get the {$40.00} returned. Kohls will keep your money and lie about not reporting you being late account their fault. I was told my refund should take 10-14 days. 

Today XX/XX/2023 I instructed KOHLS TO CLOSE THEIR THIEVING STSTEM CALLED A STORE CREDIT CARD.