davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (NM)

On XX/XX/year>2024 I ordered a computer part from a business in the local area. Business owner was adamant about me paying through cash app due to card reader being down. Did not want to pay cash so proceeded with electronic payment via cash app. Business owner assured us we would have the part within one week. After a week and a half he didnt deliver on the promised products and told us it was a miscommunication on his part. He initially ordered the wrong part, then he stated there were shipping delays. After speaking to him on XX/XX/XXXX he assured us he would have an answer on XX/XX/XXXX, whether it would be to provide us with our computer part or to give us another update on the shipping. He never answered our calls, so we went ahead and requested a refund via cash app, that was denied. We also tried to file a claim with our bank and that was denied. I have since exchanged emails with him back and forth and he is steadfast with the excuse that he uses a third party company to handle payments and cant pay me my money back. Ive asked him numerous times why he can't just send me the money back the same way I sent it to him with no avail. He will not provide me any proof that the transaction ever took place. He does numerous phone and electronics repairs in house and claims to use an online vendor to purchase parts from. We were comfortable using his services because he was reccomended by a friend and he was offering us a discount from a part he previously diagnosed as unrepairable. Due to paying through cash app, I would like them to consider giving me my money back since I have no other way of doing so.
Consumer complaint received 2024-08-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: TransferWise Ltd (IL)

I have been using the Wise app for a few months now and things have gone great. The app is now saying they want to close my account on the XXXX of XXXX, and they do not disclose why. They stated I can make an appeal, but then said an appeal is not available to me and I have to write a complaint. This is why I am making this complaint, I do not want my account shut down.
Consumer complaint received 2024-08-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc. (WI)

CashApp closed my account for terms of service violation. The app says I can withdraw any funds left in my account. When I try ti do so I get error message. Been trying to cash out for 10 days. support is awful and refuses to help
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : 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 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

PORTFOLIO RECOVERY ASSOCIATES is in direct violation of my Consumer Rights. According to the Fair Credit Reporting Act as a Consumer I have a right to Fair and accurate credit reporting. As a Consumer I have a right to ask that the consumer reporting block inaccurate information that may be the result of identity theft. On numerous occasions PORTFOLIO RECOVERY ASSOCIATES was informed THE FOLLOWING account information being FURNISHED to PORTFOLIO RECOVERY ASSOCIATES and reported by PORTFOLIO RECOVERY ASSOCIATES is in fact inaccurate and they continue to report. PORTFOLIO RECOVERY ASSOCIATES is using the color of Law to publicize and report inaccurate and private information that has resulted from it's own ACTS of FRAUD and IDENTITY THEFT as defined by 15 usc 16819 ( a ) ( q ) regarding the following accounts collection.In addition, PORTFOLIO RECOVERY ASSOCIATES was also informed above mentioned accounts are involved in litigation. I have not supplied proof under the doctrine of estoppel by Silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I may Presume that no proofs of the alleged debt, nor therefore any such debt in fact exists. There are several addresses being reported that do not belong to me as well as inquiries. The only address that should be attached to my consumer file is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Pennsylvania. There should be no HARD inquiries. My file contains the following unauthorized inquiries that must be removed pursuant to FCRA. Collection and XX/XX/year>
Consumer complaint received 2024-08-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Capital One Account Number ending in XXXX is an old credit card that in which I was added as an Authorized User. I did not make purchases on the card and per law an authorized user is not responsible for the debt. Collection agency XXXX XXXX XXXX is reporting the debt on my personal credit report. I have disputed this account several times due to the account not being owed by me and they continue to still report the account to the credit bureaus. This action continues to impact me as due to this reporting I am receiving less than favorable credit ratings.
Consumer complaint received 2024-08-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (MA)

Dear LVNV FUNDING LLC XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX ; I am writing to formally dispute and request the removal of an alleged debt from my credit report, which I believe to be fraudulent. I have no knowledge of this account and have never entered into any contractual obligations with your company or the original creditor. 
The reporting inaccuracies concerning this account violate both FCRA and FDCPA regulations. To resolve this matter expeditiously, I require the following documentation : 1. Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for handling this matter. 
2. Legal basis for the collection of this debt. 
3. Proof of your authorization to operate in my state. 
4. Evidence of the alleged debt, including any contracts or agreements bearing my signature. 
5. Complete account history, inclusive of all collection-related charges. 
I am formally filing a complaint citing violations of my consumer rights under the FCRA and FDCPA. Pursuant to 15 U.S.C. 602 ( a ), I demand immediate cessation of all communication and collection activities related to this account. Furthermore, per 15 U.S.C. 604 ( a ) ( 2 ), no account can be furnished without my written instructions. 
Your actions have infringed upon my rights under several sections of the FDCPA : * 1692d : Harassment or abuse in connection with debt collection. 
* 1692e : Use of false, deceptive, or misleading representations. 
* 1692g ( b ) : Failure to properly disclose my rights. 
* 1692f : Use of unfair or unconscionable means to collect a debt.
Consumer complaint received 2023-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Affirm Holdings, Inc (MA)

XXXX is reporting that an account was opened on XXXX XXXX XXXX  with Affirm with the balance of XXXX. This account was marked as a charge off then changed to potentially negative and unsecured. 
I have call Affirm and XXXX  to let them know that this was fraud. I made reports with them, filed a police report and after a couple of weeks and nothing was done. 
I am in despite need of completely removing this fraudulent account with affirm from my credit report because it is effecting my financial life. Somebody please help me thankyou.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC. (IA)

After reviewing my Consumer Reports, I noticed some reported late payments on an account where I have always made timely payments. Since Consumer Reporting Agencies are crucial for maintaining accurate consumer information, it is essential that all data is reported correctly. I have consistently met my payment obligations for the following account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CHRYSLER CAPITAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request a detailed investigation into these discrepancies. Please provide documentation, such as statements, that evidence the reported late payments. If such proof can not be provided, I expect the records to be updated promptly to reflect my true payment history, which has always been punctual.
Consumer complaint received 2024-08-09
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SANTANDER HOLDINGS USA, INC. (MA)

Dear SANTANDER CONSUMER USA ; Sir/Madam, I am writing to formally dispute and request the removal of an alleged debt from my credit report, which I believe to be fraudulent. I have no knowledge of this account and have never entered into any contractual obligations with your company or the original creditor. 
The reporting inaccuracies concerning this account violate both FCRA and FDCPA regulations. To resolve this matter expeditiously, I require the following documentation : 1. Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for handling this matter. 
2. Legal basis for the collection of this debt. 
3. Proof of your authorization to operate in my state. 
4. Evidence of the alleged debt, including any contracts or agreements bearing my signature. 
5. Complete account history, inclusive of all collection-related charges. 
I am formally filing a complaint citing violations of my consumer rights under the FCRA and FDCPA. Pursuant to 15 U.S.C. 602 ( a ), I demand immediate cessation of all communication and collection activities related to this account. Furthermore, per 15 U.S.C. 604 ( a ) ( 2 ), no account can be furnished without my written instructions. 
Your actions have infringed upon my rights under several sections of the FDCPA : * 1692d : Harassment or abuse in connection with debt collection. 
* 1692e : Use of false, deceptive, or misleading representations. 
* 1692g ( b ) : Failure to properly disclose my rights. 
* 1692f : Use of unfair or unconscionable means to collect a debt.
Consumer complaint received 2024-08-09
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

Checking my credit report, I noticed a series of inquiries from Capital One reported with dates of XX/XX/year>2022, inquiries that I did not make nor did I authorize a third party to apply on my behalf. These inquiries are degrading my credit profile, so I filed disputes with the credit bureaus requesting documentation that was used to verify these inquiries. However, they did not respond and provided no documentation regarding the matter. I also filed a complaint against them, but they claim that the inquiries are verified without any evidence that I can corroborate. Therefore, I am submitting this new complaint directly to the lender to seek a resolution to this issue.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC. (FL)

The companies that are listed reporting inquiries on my credit report that i do not recall. 

XXXX XXXX XXXX 2.ALLY FINANCIAL 3.ALLY FINANCIAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have asked for documentation providing proof I applied for credit with all the creditors listed and have not received the proof in a 30day timeframe. Please remove the inquiries from my credit report immediately.
Consumer complaint received 2024-08-09
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

A card was filled out in my name, a lender from XXXX XXXXXXXX XXXX looked into my XXXX XXXX, my XXXX XXXX dropped and the credit card was mailed to my XXXX.
Consumer complaint received 2024-08-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I was charged for the removal of a temporary credit, but I never received the deposit of the temporary credit. The temporary credit was for {$100.00} and was taken from my account on XX/XX/year>. I have documents saying that the temporary credit was deposited and then taken back but I never did receive it.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Credit Corp Solutions Inc. (TX)

To Whom It May Concern : I am writing to file a formal complaint against Credit Corp regarding their attempt to collect a debt that I believe is invalid. Despite my repeated requests, they have failed to provide the original contract or any valid documentation to substantiate the debt they claim I owe. 

Company : XXXX XXXX Amount Claimed : {$830.00} On XX/XX/year>, I was contacted by Credit Corp regarding a debt they claim I owe. As is my right under the Fair Debt Collection Practices Act ( FDCPA ), I requested validation of the debt, including a copy of the original contract or other supporting documentation. To date, XXXX XXXX has not provided the requested documentation. 

Instead, they continue to demand payment for this unverified debt. I believe this practice is unfair and deceptive, as I can not verify that the debt is legitimate without the proper documentation. 


I request that Credit Corp cease all collection attempts until they can provide proper validation of the debt, including a copy of the original contract. If they are unable to do so, I ask that the debt be removed from my credit report and that they refrain from any further collection activity. 

I appreciate your attention to this matter and look forward to a prompt resolution. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, TX, XXXX Account/Reference Number with XXXX XXXX : XXXX
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (DE)

I am writing to formally dispute the accuracy and completeness of the open date associated with the account : XXXX XXXX XXXX Open Date : XX/XX/year> I believe the reported open date is incorrect, and this discrepancy needs to be addressed immediately. Under 15 U.S.C. 1681s-2 ( b ) ( E ), furnishers of information are required to conduct a reasonable investigation when a dispute is made regarding the accuracy of information on a consumer report. In the case of XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX, it was emphasized that verification of disputed information must be supported by comprehensive and accurate account-level documentation. Furthermore, 12 C.F.R. 226.25 ( a ) stipulates that such documentation should detail all transactions related to the account in question.

Given these legal responsibilities, I request the following : 1. A thorough investigation regarding the accuracy of the reported open date associated with my account.

2. The provision of complete account-level documentation that verifies the accurate open date in accordance with the XXXX case and applicable regulations. 

If your agency can not verify the accuracy of the information with appropriate proof of verification, I expect that the account will be deleted from my credit report immediately, in compliance with the FCRA. 

Please send me written confirmation of your findings and any corrections made within the required timeframe.
Consumer complaint received 2023-07-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I hope this message finds you well. I'm writing to express my concerns regarding the reporting of my charged-off XXXX XXXX credit card account on my credit report. 

This account has been officially charged off, however, it continues to be reported as a 'charge-off ' on my credit report every month. As well as reporting No Data for some months. This repetition implies that a new negative event is occurring each month, which is not accurate. 

Under the Fair Credit Reporting Act, a charged-off account should be reported as such once, not on a continuing monthly basis. The continuous reporting of the charge-off is negatively impacting my credit score in an undue manner. 

This incorrect reporting has significant consequences on my financial standing and potential for future credit opportunities. I kindly request your assistance in rectifying this issue to ensure that my credit report accurately reflects my financial history. 

Thank you for your immediate attention to this matter. 

Best regards, XXXX XXXX
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NY)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust XXXX XXXX leaving me XXXX  with the XXXX XXXX of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (KY)

I went to check my XXXX XXXX and I have like XXXX accounts that are now in collections for loans and credit cards I never opened. Someone has stole my identity and been using my name to open accounts. They all date to XXXX and XXXX and I can prove that I was in XXXX for those XXXX XXXX ib just got XXXX  XXXX XXXX please fix this and what should I do
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAVALRY INVESTMENTS, LLC (FL)

On XX/XX/year> - I wrote a letter to Calvary Portfolio Services asking them to provide where I gave written consent to share my information with XXXX, XXXX, and XXXX per 15 USC 6802. I rescinded my authorization whether it was given or not given and gave them 30 days to correct this issue on my credit report. 

I also notified them of reporting transaction history per 15 USC 1681a, stating that that shall not be a part of the consumer report. They have reported XXXX missed payments. Which according to 15 U.S. Code 1681n - Civil liability for willful noncompliance, totals to approximately {$17000.00} for this violation PER report. 

I have not heard back from them regarding this issue and it has been over 30 days and it's still showing on my credit reports.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: AMERICAN HONDA FINANCE CORP (FL)

Somebody stole my indetity information and have my social security, my address etc and he has create 3 accounts. I already froze my social on all 3 XXXX, transunuion and the other one.
Consumer complaint received 2022-12-04
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. (PA)

I had an old credit inquiry that was coming off my report drop off and TransUnion dropped my score XXXX points for no reason the account was paid off early and was allowed to be by the company, It was never late so I called to inquire as the why this happen and they looked it over and said that it shouldnt have happened and to call to file a complaint with consumer finance. Gov to have the score fixed.