davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-20
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: Lendmark Financial Services (NC)

In accordance with the fair credit Reporting Act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a Account without any written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.
Consumer complaint received 2024-04-15
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. (CA)

I understand that according to FCRA 605B, it's mandatory to eliminate any erroneous accounts from my credit report. Could you review the documents, please? There are inaccuracies in some of the listed accounts regarding their reporting. These accounts need swift removal.
Consumer complaint received 2020-06-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc. (VA)

On XX/XX/XXXX my brothers unemployment direct deposit was received on my CashApp as he intended. On XX/XX/XXXX my direct deposit had finally come through. Then on XX/XX/XXXX a few of my transactions were cancelled for my protection, and on XX/XX/XXXX my account was suddenly frozen. I have yet to receive an email stating the reason my account is frozen. The only form of customer service Ive gotten so far is an automated message from them on XXXX saying they would get back with me in 24-48 hrs. That was on the XXXX. I complained with the CFPB before, but whoever replied on behalf of CashApp assumed I had received an email already from them. The email should contain instructions on what information CashApp needs from me to unlock my account. Just please help me access my funds.
Consumer complaint received 2024-04-15
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)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that Experian will investigate tis account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX XXXX Account Number XXXX
Consumer complaint received 2024-04-15
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. (GA)

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. 

Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 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.
Consumer complaint received 2023-05-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (CA)

On XX/XX/23 my son XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXin XXXX XXXX XXXX in CA. 
He was XXXX, XXXX  children, and had less assets that required probate. 

He had an investment in crypto with Coinbase. Their customer service number has 5 options, the first 4 didnt fit so I selected 5-which disconnected me after giving me their website.

I have chatted with numerous agents online and have provided them with all documentation they required-including me having to open my own Coinbase account. They needed a probate form notarized, selfie, d/c, my DL and a statement to transfer his funds into mine. That was over a month ago. Meanwhile they hold my sons assets XXXX and he has lost over {$2000.00} while I continue to wait. 

I contacted Congressman XXXX XXXX who recommended your agency and the FTC. 

This has been extremely difficult as I try to deal with his affairs while in total grief. He was my XXXX child and I am heartbroken. 

Thank you for any assistance.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

As per FCRA 605B, it's obligatory to remove any incorrect accounts from my credit report. Can you please examine the documents? There are inaccuracies in some of the listed accounts concerning their reporting. These accounts must be removed promptly.
Consumer complaint received 2023-04-30
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. (GA)

I am submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding the inaccurate reporting of late payments by XXXX XXXX XXXX  on my credit report. The false reporting of late payments has resulted in a negative impact on my credit score, which is affecting my ability to obtain credit or other financial services.
Consumer complaint received 2023-07-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: SANTANDER HOLDINGS USA, INC. (FL)

I have had a loan with Santander Consumer USA since XXXX of XXXX, along with the way I have had some job losses that resulted in not being able to pay my bills timely due to unemployment benefits denial and lack of financial support as I am alone as well as pay for everything independently. They recently waived {$200.00} of the late fees as a courtesy in which I am appreciative of, however I am trying to pay this vehicle off as QUICKLY AS POSSIBLE so that when I am in a position to do so I can easily purchase or lease an SUV sometime in XXXX. 

The co-borrower on this loan is not in a financial position to assist as we have been estranged for XXXX  years due to personal reasons and she is barely making ends meet as she works under the table due to not having a full-time job since XXXX. 

I am starting to get back on my feet slowly, I am doing my best to make ends meet as I am picking up odd jobs until I have a full-time position and I am also homeless in which I live in the vehicle. 

I was evicted from my home along with my job loss in XXXX, in addition to the job losses from XX/XX/XXXX to XX/XX/XXXX I was in an abusive relationship where I was beat to pulp resulting in me almost XXXX, XXXX on my medications that I pay for out of pocket because I can barely afford due to lack of insurance and can not afford the co-pays for any therapies or medical care. 

I also tried to XXXX XXXX to escape the abusive relationship in which my ex-fiance is in jail for XXXX years because he violated his probation as I called the authorities on him after he repeatedly XXXX me resulting in me contracting XXXX XXXX along with having intimate relationships with others in which he contracted XXXX XXXX from doing so. 

Prior to all of this, I had a full-time job along with going to school for an education in which I have completed, and I am in the process of applying for the master 's program. 

I am trying my best to make ends meet; therefore, I can not afford the {$200.00} amount in late fees in which I explained to Santander that I was terminated with no money coming in and no financial help from anyone as I am estranged from family and friends for personal reasons. 

I still want the vehicle, however I am asking that the {$200.00} late fees along with the total balance of the loan be forgiven without having to surrender the vehicle as it is my place of residence due to being homeless since XXXX of XXXX.
Consumer complaint received 2020-05-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (AZ)

On XX/XX/XXXX and XX/XX/XXXX, I sent my mother XXXX XXXX XXXX ( XXXX on one transaction and XXXX on another transaction ) on her cashapp account. She informed me that once she received the money it disappeared. I launched an investigation with my bank and they informed me that they received information from Cashapp stating that my mom received the funds however they could not disclose where the disappeared to. They shut down the access to my moms account and never provided them the information on where the money went. We've asked multiple of times and even tried to call, however they do not have it where we can call anyone. 

My cashapp is $ XXXX My mothers cashapp account is $ XXXX
Consumer complaint received 2024-06-09
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. (NY)

Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

XXXX XXXX XXXX Account number XXXX Here is the item I am asking you to verify as accurate.
Consumer complaint received 2020-05-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Block, Inc. (VA)

I received a Cash App debit card ( which is a logo trademark of Square Inc. ) which I did not sign up for. I received it in the mail on XX/XX/2020. I do not want this account and I want it shut down. I did not authorize an account to be open. I tried to call the company and they have no telephone support and the message says I need to go online. How can I go online if I have no account set up!!
Consumer complaint received 2020-05-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (NY)

The first date is XX/XX/2020 I got deposited XXXX cents tried to get my funds and they wouldnt let me add a debit card stating my account is closed. Then XX/XX/XXXX I received a direct deposit of XXXX, tried to take the funds off all together which was a total of XXXX I sent numerous amount of emails and they sent me a automatic message stating that they cant give me any information. Going along I reached out about 7-8 times and have been just ignored. Moving further. On XX/XX/XXXX I then received another deposit to a supposedly closed account of XXXX on XX/XX/XXXX. I then tried to receive my funds by adding a debit card and couldnt. That is a total of XXXX that I cant retrieve I reached out to square cash. Cash app more than 20 times and they have not gotten back to me. No answer or response
Consumer complaint received 2024-04-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

Ensuring payments are always made on time has been a priority for me regarding this account, avoiding any instances of overdue balances. Nevertheless, I'm perplexed by the presence of late payment remarks on my accounts. As per 15 USC 1666b, billing inaccuracies should be addressed.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (LA)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please see attached file for these items I am complaining.
Consumer complaint received 2024-01-23
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. (IL)

I want to inform the Credit Bureaus that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXXXXXX Balance Owed : {$590.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$380.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1900.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$330.00} XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$260.00} XXXX XXXX  Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$100.00} XXXXXXXX XXXX Original Creditor XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$910.00} XXXX XXXX XX/XX/2023 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 2024-07-10
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. (MD)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate : XXXX  XXXX XXXX Account Number XXXX XXXX
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (LA)

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 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining.
Consumer complaint received 2024-04-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION (GA)

XX/XX/2024, I was scammed through XXXX for {$920.00}. On XX/XX/2024, I contacted my bank, Navy Federal Credit Union. He advised there was nothing they can do except give me information on how not to get scammed in the future. 
I was attempting to buy 2 vending machines along with the location from XXXX XXXX XXXX XXXX XXXX  of XXXX, XXXX Once he received half of the money, he did not show up for our scheduled site meeting at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), he doesn't respond.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I submitted a complaint to the bureaus and they haven't responded on it, it's been more than 14 days. They just ignore my disputes and I'm not happy about that, cause it's affecting my name, personal life. PLEASE HELP!
Consumer complaint received 2023-07-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I am writing to bring to your attention that my credit file contains a collection entry from your agency. However, I have never received any prior notification regarding this collection. Furthermore, I strongly believe that the debt being claimed is not accurate. According to the Fair Debt Collection Practices Act, I am entitled to request and receive validation of the debt. Therefore, I kindly request that you provide me with the necessary validation and take appropriate action to rectify this matter.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (LA)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2024-07-30
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)

My account with XXXX  XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2023-06-04
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. (NJ)

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. 

Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account Name XXXX XXXX XXXX Account Name XXXX XXXX XXXX has violated my rights. 

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 a account without written instructions.

15 U.S.C 1681e. ( aX5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following terms of information. Any other adverse of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S C. 16818-2 ( AX1 ) 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 2024-04-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (NJ)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2023-06-04
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. (TX)

XXXX had deleted my negative accounts as they see the violations under FCRA. XXXX and Experian are still posting the negative accounts. I am requesting that XXXX and Experian remove the negative accounts NOW as XXXX saw the violations and had them removed.