davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (MI)

On XX/XX/2024 at XXXX Cash App allowed {$100.00} dollars to be taken from my bank account via cash app by a person under the name of XXXX XXXX XXXX $ XXXX ) without my authorization or consent ; on XX/XX/2024 at XXXX Cash App allowed {$300.00} dollars to be taken from my bank account via cash app by a person under the name of XXXX XXXX XXXX XXXX XXXX XXXX ) without my authorization or consent, which caused an overdraft to my account. On XX/XX/2024 after noticing these transactions I contacted Cash App and requested a refund and filed a formal complaint under complaint number # XXXX, and explained that I did not authorize these transactions and that my card was locked and no transactions should have occurred, and that I had became aware that these individuals had accessed others accounts also. On XX/XX/2024 Cash App sent me an email stating that they had compared my transactions and that they determined that the transactions had been authorized by me or someone that I authorized to use me credentials. Cash App made this determination without conducting any forensic analysis and without any further communications with me, and they made this determination even though they were aware that it was patently false and even though they were clearly aware thatthese persons had also made unauthorized transactions on other accounts. I have also filed a police report with the XXXX Police Department and I have filed a complaint with my bank, XXXX concerning this matter.
Consumer complaint received 2024-09-11
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. (OH)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2024-08-26
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (NY)

I have a store credit card with Raymourn Flannigan through TD Bank. Back in XXXX they changed their online platform which has required I call into their customer service number to login or make a payment on the phone. I have made XXXX attempts to contact them, all with log hold times. Today waited on hold for over an XXXX and XXXX minutes and no one picked up. I have no other way to pay my bill.
Consumer complaint received 2024-09-11
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: Experian Information Solutions Inc. (GA)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2024-08-26
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SANTANDER HOLDINGS USA, INC. (FL)

The company told me my credit would be negatively affected if I didnt pay them the debt and I asked them to stop calling me. 
Under 15USC 1962 ( c ) they can not contact me anymore.
Consumer complaint received 2024-08-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

Dear Portfolio Recovery. 

I trust this correspondence finds you in good health. My name is XXXX XXXX XXXX XXXX, and I am writing to formally dispute certain information on my credit report. 

In light of my earnest preparations to embark on the significant milestone of homeownership, I conducted a thorough review of my credit report. Unfortunately, the examination revealed inaccuracies in the reporting of the following account # XXXX
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (NJ)

In year XXXX during covid pandemic, I set up all my credit cards on auto pay. XXXX of XXXX I used Nordstrom auto pay to pay my account every month, however Nordstrom autopay system did not debit my account on the due date properly. When I noticed it, I immediately made the payment and requested that Nordstrom fix their autopay system. My credit report continues to show this account as 30-delinquent one time in XXXX. I requested the store to remove the late payment as a 1 time courtesy, since I believe it was their autopay malfunctioning. Nordstrom has refuse to make the necessary adjustment to their credit reporting. I am requesting the CFPB to resolved this dispute by contacting Nordstrom credit services and request that they do their due diligence and remove this 1 time negative reporting from my credit reports. 
Regards, XXXX XXXX
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Im writing to express my frustration with my current credit scores and the severe impact theyre having on my life. The inaccuracies in my credit report are causing my scores to be significantly lower than they should be, which has made it incredibly difficult for me to secure loans and credit. This has not only affected my financial stability but also added immense stress and anxiety to my daily life. Despite my repeated attempts to address these issues, I havent seen any resolution. I urgently need these problems fixed to alleviate the ongoing strain and restore my financial health.
Consumer complaint received 2024-08-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: RoundPoint Mortgage Servicing LLC (KY)

Received a notice in XXXX of XXXX  that our mortgage payments had not been received. We had the mortgage payment made through a XXXX investment account. I checked with XXXX and found the check had cleared the bank. Contacted Round Point Mortgage immediately and explained they had received it. Learned they had supposedly sent a hazard insurance refund for the exact amount of our house payment ( {$1000.00} ). That check was never received. Was told in XXXX they had not received our payment, even though the check had cleared XXXX 's bank. Also learned that an escrow refund was also made in the amount of {$1000.00}. No check was received for this either. At no time was I able to speak with a supervisor or had a supervisor return my numerous calls. Out of desperation, I sent a certified letter to the CEO of Round Point, XXXX XXXX, with a return receipt. The letter was signed for on XX/XX/year>. I never heard from XXXX XXXX or anyone else from Round Point. Round Point subsequently sold or transferred servicing of our mortgage to XXXX XXXX XXXX. I just received a notice from XXXX that our escrow account is short {$1000.00}. The EXACT amount that Round Point said we received a refund for. I know this is not correct. Round Point must be made to correct this.
Consumer complaint received 2024-08-26
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (NY)

My XXXX was hacked on XX/XX/XXXX ( 2 months ago tomorrow ). I woke up the next day and tried to get my XXXX account back. The hackers manipulated my XXXX search and provided me a phone number to call. I spent approximately XXXX XXXX XXXX hours talking to them that day. They were calling me from TD Bank 's XXXX XXXX number having me send XXXX and buy gift cards to try to save my money. Then I decided to drive to the bank and when I got there I found out I was never actually speaking to anybody at TD Bank. I had a police report filled out and provided it to the bank. And since then they have done nothing. I have not received any of my money back. It seems as if they have now locked me out of my account so I can't give you the exact amount. It is close to {$1000.00}. I am the XXXX XXXX XXXXXXXX XXXX  and need my money back.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

Recently I did an investigation on my credit report and found several items that were inaccurate.Under 15 U.S code 1681e ( b ) accuracy of a report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information possibility accuracy of the information concerning the individual about whom the report relates. 15 U.S Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 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 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 a 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 seven 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.PLEASE DELETE IMMEDIATELY
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report with the reference number : XXXX which is enclosed with this correspondence.
Consumer complaint received 2023-08-10
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. (FL)

Dear Experian, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

Dear CFPB, I am writing to formally dispute XXXX XXXX XXXX, XXXX ( XXXX ) continued reporting of a charge-off on my credit report. This is more than a simple reporting issueit reflects a disturbing pattern of double-dipping and potential fraud designed to manipulate both consumer reporting agencies and the U.S. tax system. 

XX/XX/XXXXhas classified this alleged debt as a charge-off, which should signify its closure and removal from my credit report. Yet, they persist in reporting the account, benefiting from it in multiple ways. It is clear they are attempting to exploit the system by claiming the charge-off as a tax deduction, while simultaneously inflicting harm on my credit profile. This contradiction not only raises ethical concerns but also puts them in direct violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), which mandates accurate reporting. 

Let me also make this abundantly clear : I have a legal right to privacy under these laws. XXXX 's failure to verify and remove this alleged debt is a violation of my consumer rights, and I am entitled to {$1000.00} per violation under the FCRA. These violations continue to accumulate each day this illegitimate charge-off remains on my credit report. 

XX/XX/XXXX actions represent a deliberate attempt to double-dip by simultaneously taking advantage of the tax benefits from a bad debt deduction under 26 U.S. Code 166 ( Bad debts ) while profiting off the damage caused to my credit. This kind of conduct could very well constitute tax fraud, and I fully intend to bring this matter to the attention of the IRS if it is not resolved immediately. 

I demand the following : Full documentation of the procedures XX/XX/XXXX has followed in verifying this alleged debt and their basis for continuing to report it as a charge-off. This includes every step of their process, the employees involved, the internal communications, and the exact e-signature procedures used to verify this account. I want to know who signed off on this, down to the managers managers, their lunch breaks, and the step-by-step actions taken to ensure accuracy. 

Proof that XX/XX/XXXX has not claimed this debt as a tax write-off while continuing to report it to the credit bureaus. If XX/XX/XXXX is attempting to benefit both waysby claiming the account as a loss while still using it to harm my creditthis is a clear case of tax evasion, and I will report it to the IRS for further investigation. 

Immediate removal of this charge-off from all credit reporting agencies. The continued reporting of this account as a charge-off, while XX/XX/XXXXderives other benefits from it, is a blatant violation of the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ). If not removed promptly, I will pursue further legal action under the FCRA, FDCPA, and any applicable state laws.
Consumer complaint received 2024-08-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Block, Inc. (TX)

I went to try to load money on my cash app card on XX/XX/year> and I noticed on my app, the deposit cash button was gone. I then contacted cash app support on XX/XX/year> and tried to find out why. They said it was some update in the system and some people were XXXX of it and some weren't. This is one of the biggest reasons that I and alot if people use cash app. I have tried to call support and ask them. They also said they can not tell me why I was XXXX of that feature. I have had my support app chat eneded by support because they refuse to give me any explanation on why it's gone.
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Spring Oaks Capital, LLC (SC)

ACCOUNT # XXXX Whats up Just wan na let you know XXXXm disputin that debt you mentioned under the Fair Debt Collection Practices Act Aint askin for more proof or docs just lettin you know I dont agree. If you need to reach me best way is by text on my cell or email on my cell or computer Monday to Friday between 9am and 1pm Eastern Time . Any other times or methods like live calls or voicemails aint good for me.ACCOUNT # XXXX plus other accounts you saying I'm oweing.
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

I reviewed my Consumer Reports and noticed that I have late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Consumer complaint received 2024-08-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A. (OH)

Account # - XXXX Collection Agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection on your consumer report. I have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) The collection agency is violating my consumer rights by using false misleading, misrepresentation and deceptive means.

The collection agency has no authority to furnish any account to the consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ). 

I demand XXXX Cease & Desist all communication with me in regard to this debt, or any debt that you allege i owe. Please be advised that if collection attempts continue after receipt of this notice, I will immediately file a complaint with the Federal Trade Commission and Attorney General. Please be aware that going forward, after this notice, any communication from your company may be recorded to be used as evidence for my claims against you. Please also be advised that any negative information appearing on my credit report pertaining to this account will be handled with the full legal rights and remedies available to me with regards to current consumer protection laws. 

Best Regards, XXXX XXXX
Consumer complaint received 2024-08-26
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Select Management Resources, LLC (FL)

I obtained a Title Loan from Instant Cash Loans On Car Title, Inc dba LoanMax located in XXXX, GA. According to the receipts they provided, their reporting address for the payments I made towards my account is XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX. I obtained this loan back around XXXX of XXXX or XX/XX/XXXX. The loan amount was approximately {$2700.00}, upon receiving my taxes on or around XXXX of XXXX. I was informed by staff with this business that approximately {$3000.00} would close out my loan, which I was willing to pay at that moment. 

However, a management team member intervened, stating that I needed to pay approximately {$7000.00}. This was significantly an increased amount compared to my original pay-off amount that was previously mentioned to me without proper explanation. Unable to pay that amount, I made a {$1000.00} payment for my account and two additional payments ( {$73.00} on or about XXXX and {$690.00} on or about XXXX, attached documents ). However, the approximate {$900.00} payment that I made on or about XXXX of XXXX, I never received the confirmation of the payment from the business as I did previously. 

It is believed that this business purposely abused its business tactics to manipulate or take advantage of customers like myself fighting to survive in this economy. Placing obscene charges or fees on my account making it impossible for me to receive my title back. This has caused extreme mental anguish in my life. I have been XXXX XXXX XXXX XXXX XXXX XXXX XXXX over this matter. My vehicle can not be properly registered now because the business placed a hold on my title preventing me from being able to drive, take my children to school, attend medical appointments, attend religious events, and so on.
Consumer complaint received 2024-08-22
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. (MA)

I have some inquiries on my credit report that Im not aware about them. 
XXXX XXXX  on XX/XX/XXXX. 
XXXX XXXX on XX/XX/XXXX. 
XXXX XXXX  on XX/XX/XXXX. 
XXXX XXXX on XX/XX/XXXX. 
XXXX XXXX XXXX on XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. 
XXXX XXXX XXXX on XX/XX/XXXX. 
XXXX XXXX XXXX  on XX/XX/XXXX. 
XXXX XXXX XXXX  on XXXX XXXX, XXXX. 
XXXX XXXX on XX/XX/XXXX.
Consumer complaint received 2024-08-25
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: National Credit Systems,Inc. (NJ)

To whom it may concern : Upon reviewing my credit report, someone tried to get a lease in my name and later did not pay leaving me with a collection of {$410.00} from XXXX XXXX XXXX. It is unfair for it to impact my credit in this matter, and I would like for this to be deleted from my credit report immediately because this is not accurate. I greatly appreciate you in advance. 

XXXXXXXX XXXX XXXX NATIONAL CREDIT SYSTEMS - XXXX Balance {$410.00} Date opened XX/XX/year> XXXX Collection Companies NATIONAL CREDIT SYSTEMS - XXXX Balance {$410.00} Date opened XX/XX/year> XXXX XXXX XXXX NATIONAL CREDIT SYSTEMS - XXXX Balance {$410.00} Date opened XX/XX/year> XXXX