davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-17
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: CAPITAL ONE FINANCIAL CORPORATION (MN)

I was KOHLS/CAPITAL ONE customer since 2017 and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payments on the above referenced 'paid in full ' account. Since that time I was an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payments from my credit reports. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.
Consumer complaint received 2024-08-18
Product: Credit reporting 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)

Recently checking my credit report I noticed that I've been a victim of identity theft and found numerous credit inquiries I have no knowledge of. Here are the inquiries that I've found : 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 XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. Please remove these fraudulent inquiries from my credit report. I also attached my IdentityTheft report as well.
Consumer complaint received 2024-09-10
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)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Consumer complaint received 2021-02-15
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. (CO)

I didn't authorized these inquiries on my credit profile. I reached out to the companies, they had no info on file or paper work or proof that I requested my credit report being ran for credit with their company. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-09
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. (CO)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NY)

In the middle of XX/XX/2024 I closed my deceased mother 's XXXX account and turned in her phone. Shortly after this, I started receiving text messages and emails stating that I owed {$220.00} to XXXX, even though I already paid everything I needed to pay. I contacted XXXX about this several times and everybody I spoke to said that it was a scam and to ignore it and not pay it. About a month later I received a letter from " XXXX '' regarding this {$220.00} that I owed, so I once again contacted XXXX about this and they once again told me that I had no balance on my account or my mother 's account and that I should ignore it. Additionally, included in this letter was a website I did not recognize to be XXXX 's official website for payments ( the website on the letter was XXXX ), and when I put the account number that was provided to me by this letter into XXXX 's official website, it tells me to enter the zip code for a phone number that is not mine or my mother 's. I ignored it, and on XX/XX/XXXX I received a text message from that same number that said my account was now being held by XXXX XXXX XXXX, and I saw that I received a derogatory mark on my credit report because of this. I quickly called XXXX that same day asking about this, but they said that they didn't apply any derogatory mark to my account and that I didn't have any balances to be paid. Since this was my first time receiving anything negative like this on my credit report and my score went down by about XXXXXXXX XXXX, I ended up paying this balance even though I still believed that it wasn't from the official XXXX XXXX. I submitted a dispute regarding this incident on XX/XX/XXXX through Experian, and I received the results of the dispute XX/XX/XXXX. The only change I saw on my credit report is that the balance of this XXXX account was removed and that the derogatory mark is supposed to stay on my record until XX/XX/2030.
Consumer complaint received 2024-08-18
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. (PA)

Dear CFPB, I am writing to formally complain about Experians failure to remove fraudulent information from my credit profile, despite multiple notifications and the submission of supporting documentation. My complaint pertains specifically to XXXX XXXX  account # XXXX, which has been erroneously reported on my credit file as a result of identity theft. 
Background : XXXX. Fraudulent Account Reporting : On XX/XX/XXXX, I initially contacted Experian regarding the fraudulent XXXX XXXX  account # XXXX that appeared on my credit report. I provided Experian with a Federal Trade Commission ( FTC ) Identity Theft Report ( FTC Report # XXXX ) as supporting documentation. This report unequivocally identified the account as a result of identity theft. 
XXXX. Subsequent Follow-Up : Despite my initial complaint and submission of the FTC report XXXX the fraudulent information remained on my credit profile. Consequently, I reached out again to Experian on XX/XX/XXXX, reiterating my request for the removal of the fraudulent entry and resubmitting the FTC report. 
XXXX. Experians Response : To date, Experian has refused to remove the fraudulent information from my credit report. Their continued failure to address this issue has had a significant negative impact on my creditworthiness and financial stability. 
Relevant Laws and Regulations : 1. Pennsylvania State Law : o Pennsylvanias Identity Theft Protection Act ( Act 102 of XXXX ) : This law mandates that consumers have the right to dispute fraudulent information on their credit reports and requires credit reporting agencies to promptly investigate and rectify any inaccuracies related to identity theft. 
XXXX. Federal Law : o Fair Credit Reporting Act ( FCRA ) : Under the FCRA, specifically 15 U.S.C. 1681i, consumers have the right to dispute inaccurate information on their credit reports. Credit reporting agencies, including Experian, are legally obligated to investigate these disputes and correct any inaccuracies in a timely manner.

o Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ) : This federal law provides protections for victims of identity theft, ensuring that fraudulent information is not allowed to remain on a credit report.

Request for Action : I respectfully request that the CFPB intervene to compel Experian to : 1. Remove the fraudulent XXXX XXXX  account XXXX XXXX from my credit report immediately. 
XXXX. Confirm in writing that the removal has been processed and that my credit profile has been updated accordingly. 
The failure of Experian to comply with these legal obligations is causing me undue stress and financial harm. I trust that the CFPB will take the necessary steps to ensure that this matter is resolved in accordance with the relevant state and federal laws. 
Thank you for your attention to this urgent matter. I look forward to your prompt assistance. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, PA XXXX
Consumer complaint received 2021-02-23
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX I learned that my unemployment EDD card was used to make unauthorized purchases at a number of locations between the dates of XX/XX/XXXX and XX/XX/XXXX. I called XXXX and they were able to take down my claim and cancel the card and issue a new one. Fast forward to XX/XX/XXXX and I received a letter from boa stating the dispute was now closed with little to no explanation as to why. I have physical evidence that I can use to show I was not in the area the card transactions occurred on the specific dates and times. as well as XXXX location data that also shows I was in another state at the time those purchases were made. Since bank of America very hastily jumped to the conclusion the claim was false and should be closed with no investigation I would like them to prove to me on what basis they are making that assumption. because I have actual evidence, they only say in their letter they " believe '' the claim was false and deemed not worth looking into. Also I would like to know why if it was a " false '' claim as to why now I can not access my unemployment benefits that I was depending on having use of due to my inability to access the government benefits. Bank of America has clearly violated Regulation E specifically Section 205.11 ( Regulation E : Electronic Fund Transfers 12 CFR 205 ). and I feel bank of America should incur a fine of some sort to make up for their complete disregard of the laws and duties of their customers. I hope bank of America is held responsible for the numerous instances of wrongful practices that im sure many others are dealing with during the cover 19 pandemic. Thank you and I look forward to your response.
Consumer complaint received 2019-10-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (RI)

I had XXXX on my cashapp they changed the banking routing number wiithout my consent and it doesnt let me change it to mine which is was before. Invalid card to cash out it says and no consumer customer support number and the email they never actually resolve the issue tell you stuff you already tried.. .. I had on my account and closed my account down. My name is XXXX XXXX on it. I tried sending the XXXX back to my cousin and it wouldnt let me refund it like usual. They cant steal peoples money like tht. I was using the app for almost 2 years no problems until about 3 or 4 months  ago
Consumer complaint received 2021-02-22
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've been disputing fraud accounts on my credit report since XX/XX/ 2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 60 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred.
Consumer complaint received 2021-02-22
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I am receiving a collection request from Portfolio Recovery Associates. They claim I have a un paid balance of {$230.00}, from XXXX. I paid this balance of 6 years ago, I have not used this card since I unfortunately got rid of the paid bills just recently because I thought that you only had to keep these item for 5 years. 
I do not want to pay this again, and do not no what to do I am asking for your help
Consumer complaint received 2021-02-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Persolve, LLC - Legal - Series 2 (AZ)

Recently, I recently received a copy of my credit report which showed unauthorized inquiries, and accounts that were not opened by me and I did not authorize. I do not have any knowledge of these accounts being opened and affirm that they were opened fraudulently, and any unknown contract bearing my WET signature is fraudulent and was not signed by me. I don't have any knowledge of these accounts being open, any contract bearing my WET signature is fraudulent and was not signed by me. I understand that under federal law, ( Sec.602 ( a ) ( b ) of the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it. The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the ( Sec.602 ( a ) ( b ) ) Fair Credit Reporting Act. Respondent, please have the following accounts removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.
Consumer complaint received 2021-02-23
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. (KS)

Someone stole my identity and opened an auto loan in my name with XXXX XXXX XXXX on XX/XX/XXXX, Which I am in the military, United States XXXX and I was on deployment at that time in XXXX. I pulled my Experian credit report on XX/XX/XXXX and noticed a charge off amount of {$18000.00} written off with a past due amount of {$17000.00}. This is not my account. I contacted XXXX and Experian about the matter. Experian is still reporting this fraudulent account to third parties which is hurting my reputation to attain credit.
Consumer complaint received 2019-09-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (GA)

On XX/XX/XXXX, my Cash App account ( $ XXXX ) was closed for unexplained reasons. I have {$170.00} balance. I've tried linking other bank accounts and sending the money to other people to withdraw the funds, and get messages saying a card can not be linked at this time. I've sent messages to Cash App Support and I get the same automated responses. Bummed that my account has been closed, but I simply want my {$170.00} out of it and I'll cut all ties.
Consumer complaint received 2019-09-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (MS)

Someone hacked my CashApp account and made two unauthorized transactions of {$1400.00} and {$1400.00} respectively. I have reported this to the XXXX XXXX the same evening I noticed it occurring. 

XX/XX/19 around XXXX XXXX - {$1400.00} XX/XX/19 around XXXX XXXX - {$1400.00} I contacted the bank and asked them could they stop the pending charges since it had just happened. They said no but to call them first thing in the morning to begin the dispute. I require either a fingerprint or PIN to access this account and somehow they were able to get Cashapp to change the PIN or they guessed it.
Consumer complaint received 2019-09-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (WI)

I had a tenant who paid rent via cashapp. He used cashapp in XX/XX/XXXXand cash app took the money. He again paid rent via cashapp in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX He has proof he paid, the problem is the money never was sent to me the landlord. He called a number for cashapp on line and the representative was most helpful in hacking into my bank accounts. When i contacted customer service at cash app, they only respond via email. I was told via email that my account was compromised, I needed to open a new account and the money would be transferred. That never happened. In fact cashapp wanted my bank account information and all corresponding passwords. I refused to share this information and was told the sender would receive a refund. That has not happened. 

I email cashapp weekly asking for assistance and my money and I don't get a response. 
I am talking about over {$4500.00} in missing cash.
Consumer complaint received 2021-02-15
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. (WI)

THIS ACCOUNT WAS OPEN fraudulent I AM A VICTIM OF identity THEFT AND THE COMPANY SAID MY CLAIM WAS DENIED BECAUSE MY INFORMATION MATCHED MY address, someone STOLE MY identity AND I WAS NOT THE ONE THAT OPENED THIS ACCOUNT, I HAVE SENT THIS COMPANY A COPY OF THE POLICE REPORT AND I SENT THEM A COPY OF MY FTC REPORT AND THEY ARE NOT TAKING CARE OF THIS fraudulent ACCOUNT.
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: EQUIFAX, INC. (TX)

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXXXXXX 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 XXXX XXXX
Consumer complaint received 2019-09-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (FL)

Starting on Saturday XX/XX/2019 I have been trying to log into my Cash App by Square account to access my money. The only way to log in is for them to send you a log in code either by text or email depending on how you registered for the account. Well my account is registered by email and the log in codes are not being emailed or not emailed on time because when you finally do get it hours later it has expired. Ive been without my money for days now and Im on vacation. You can not call anyone only email or tweet on XXXX and their response time is awful. I truly feel like Cash App needs to be investigated if not shut down but not before I get my money. Need to change my direct deposit quick.
Consumer complaint received 2019-09-15
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Block, Inc. (GA)

My money is on my cash app card and when i try to log into my account its telling me i tried too many times to register and i need try again in 24 hours, when i already have an account. I emailed them twice XXXX XXXX And i havent gotten a response. My Account is still the same as of right now and i need to access my money urgently, this isnt fair at all.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TX)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX