davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX, Experian, & XXXX continue to report incorrect information on my consumer report which they will not remove. I have provided my identification and proof of my residency and they have not complied with federal law. My name is XXXX XXXX there should be no other names or variations on my report because it is identity theft. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX there should be no other address listed remove them immediately its causing me to be denied credit because it does not match what is accurate.
Consumer complaint received 2024-02-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (OH)

I have no knowledge of this account, JEFFERSON CAPITAL, ACCT # XXXX, but it is being reported on my credit report. It has been DELETED, yet is still showing up on my credit report. Under Section 604 15 U.S. Code 1681 B, it states none of the credit bureaus have the right to report anything on my credit report. Therefore, this is in violation! According to 15 US Code 681s-2, 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. I would like this DELETED FROM MY CREDIT REPORT as soon as possible.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-04-25
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. (FL)

XXXX XXXX XXXX. 15 US C 1681 section 602 A. States I have the right to privacy 15 US C 1681 Section 604 A Section 2 : It also states a consumer reporting agencycannot furnish a account wthout my witten instructions
Consumer complaint received 2024-02-22
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I received an hard inquiry on my XXXX XXXX Report. I am not familiar with this inquiry. I I called Capital One immediately and it sounded like from what the representative said someone tried to open up an account so they closed it but said they cant do anything about the inquiry that I would need to dispute through credit union. I called a credit union to dispute and they said they would. Never heard back so I called again today and ask me to dispute via mail and to file ftc report
Consumer complaint received 2023-05-09
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. (GA)

You are in direct violation of the fair credit reporting act XXXX XXXX has violated several of my rights. 

15 U.S.C 1681 sec 602 A. Clearly states that I have a right to privacy.

15 U.S.C 1681 sec 602 A. Also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B. A creditor may not treat a payment on a credit card account under a open-end consumer credit plan as a late for any purpose. 

Remove these late payment and update this account immediately as you are in direct violation of several laws under the fair credit reporting act.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (LA)

These companies are reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such accounts and also other documents, so I may review to see if this is actually an account that belongs to me. 
XXXX XXXX XXXX XXXX {$660.00} XXXX XXXX XXXX {$650.00} XXXX XXXX XXXX {$860.00} XXXX XXXX XXXX XXXX {$400.00} XXXX XXXX XXXX {$660.00} XXXX XXXX {$9200.00} Experian XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX {$660.00} XXXX XXXX XXXX {$650.00} XXXX XXXX XXXX {$850.00} XXXX XXXX XXXX {$400.00}
Consumer complaint received 2024-02-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (IL)

Subject : Formal Notice of Violations and Request for Remediation Dear Credit Collection Services, I am writing to bring to your immediate attention clear violations of both federal and state laws in the manner Credit Collection Services has handled my credit information. It has come to my notice that unauthorized collections have been reported to my credit report without my explicit consent, constituting a serious breach of privacy and identity fraud. This action violates FCRA Section 604 ( a ) ( 3 ) ( A ) and Illinois Compiled Statutes, 815 ILCS 505/2RR.

Furthermore, the unauthorized reporting is adversely affecting my creditworthiness, and I assert that even in the case of a permissible purpose, my explicit consent is a necessity, as outlined in FCRA Section 604 ( a ) ( 3 ) ( A ) and Illinois Compiled Statutes, 815 ILCS 505/2RR. I am formally demanding the immediate removal of this unauthorized collection from my credit report, in clear violation of FCRA Section 611 ( a ) ( 1 ) ( A ) and Illinois Compiled Statutes, 815 ILCS 505/2LL. I expect this to be done within 30 days from the receipt of this complaint, as stipulated by FCRA Section 623 ( a ) ( 8 ). Failure to comply within the specified timeframe will be considered willful noncompliance, subject to legal consequences.

Additionally, I want to make it clear that any action taken by Credit Collection Services besides deleting the collection will be considered willful non-compliance. I am invoking my rights under 15 U.S. Code 1681b ( 2 ), and I am giving clear instructions to furnish my report and delete the collection account. Failure to adhere to these instructions will result in further legal action.

Moreover, I insist on Credit Collection Services providing a written document that proves I, as the consumer, have granted explicit permission for your agency to access my consumer profile. This failure to obtain consent is a direct violation of FCRA Section 604 ( a ) ( 3 ) ( A ).

This correspondence serves as a formal notice of violations, and I expect prompt action to remedy these breaches of federal and state laws. Failure to address and rectify these issues will leave me with no choice but to pursue legal action to protect my rights. I anticipate your immediate attention to this matter and demand a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2024-02-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Block, Inc. (IL)

On XX/XX/2023, I initiated what is known as a " reversal '' of a XXXX deposit to my Cash app XXXX wallet. Cashapp informed me it was unable to accept it due to unspecified " security reasons. '' I reversed it to my XXXXXXXX XXXX wallet. Upon inspection, it was sent to coin base with less than ten percent of the original fee. XXXX shows it as received. Cash app confirms it was received by XXXX network on the tenth. However, I still do not have access to the funds. XXXX has stated it has simply not been confirmed and to contact cash app. Cashapp states to contact receiving wallet. My tax documents from either sight don't show this amount in any of the 1099s for 2023. I do not know who I need to contact regarding this. It is the industry standard that after a few weeks at most the funds will be kicked out of the mempool and would need to be resent. It has been three months. I have contacted both companies numerous times seeking resolution. Exact dates and times would be excessively burdensome due to the sheer amount.
Consumer complaint received 2024-04-16
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. (NJ)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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 2019-07-07
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: EQUIFAX, INC. (VA)

There are several hard inquiries on my report that I did not authorize to run my credit report. I have never done business with any of these companies and did not apply for credit. Below are the the inquiries and dates '' XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX Card Service XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-08-16
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. (SC)

There are some obvious errors in some of my accounts. Please delete these items immediately. It looks like someone literally started a life using my information. I have always paid things in cash and was astounded when I had someone look at my credit. I had previously hired a credit repair company to handle this for me a couple months ago. However, I think they are used to dealing with clients who are ACTUALLY GUILTY. So, I am trying to handle this myself. At the very least please delete these items below until a thorough investigation has taken place. I can barely purchase a bottle of water with what my credit looks like now. I have attached my passport and ID to verify my identity. I assure you none of these accounts will have MY SIGNATURE. Any signatures you XXXX have is due to the person mentioned in the IDENTITY THEFT REPORT stealing my identity and literally starting a life with my information. This is not a Dispute Letter but a Letter of Suppression of the items stated below due to identity theft. 
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 XXXX XXXX XXXX
Consumer complaint received 2024-02-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (VA)

Dear Consumer Financial Protection Bureau, I am writing to formally dispute a debt claim that has been erroneously attributed to me, as well as to address the incorrect reporting of this disputed debt on my credit report, which has unjustly impacted my financial standing. 

On XX/XX/2023, I received a collection notice from Credit Collection Services, alleging that I owe {$850.00} to a XXXX XXXX XXXX of the XXXX. This claim was both surprising and unfounded, as I have been a loyal customer of XXXX XXXX XXXX XXXXor the past XXXX years, with no financial obligations to any other insurance provider. Given my longstanding and exclusive relationship with XXXX XXXX XXXX  the assertion that I owe a debt to another insurance entity is both incorrect and misleading. 

In response to the collection notice, I immediately dispatched a letter to Credit Collection Services, categorically denying the debt as mine and requesting further verification of the alleged obligation. Despite my prompt and clear communication disputing the claim, I have recently discovered that this disputed debt has been reported to credit bureaus, subsequently appearing on my credit report. This action has not only damaged my credit score but has also caused me undue stress and potential financial harm. 

I am seeking the assistance of the Consumer Financial Protection Bureau to rectify this matter by : Investigating the practices of Credit Collection Services, particularly their process of debt verification and the precipitous reporting of unverified debts to credit bureaus. 
Facilitating the removal of the disputed debt from my credit report, restoring my credit standing to its rightful state prior to this erroneous claim. 
Ensuring that all entities involved adhere to the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), protecting consumers from such unjust practices. 
I have attached copies of the collection letter received, my correspondence disputing the debt, and any other relevant documentation to assist with your investigation. 

Thank you for your attention to this urgent matter. I trust that the Consumer Financial Protection Bureau will act swiftly to address these discrepancies and uphold the rights and financial integrity of consumers like myself. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-02-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TRUIST FINANCIAL CORPORATION (AL)

I called to ask for my intrest paid last year. They wanted to verify my account I provided all the information except what the final loan amount was when I took out the loan. Since I didn't know the exact amount he said that he wasn't going to give me the information. Then he hung up
Consumer complaint received 2022-08-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (MI)

On XX/XX/2022 I deposited XXXX on my account My card went missing XX/XX/XXXX a transaction was made to my account of {$130.00} XX/XX/2022 Saturday were it was dispute so I told em I need new card and I wasnt aware of this transaction then XX/XX/2022 {$240.00} was deducted from my account unknown transactions around XXXX XX/XX/2022 two other deductions was made one was for {$20.00} at XXXX second transaction was for {$50.00} XXXX so that left me with {$46.00} left in my balance so I send the money to keep cash app from taking the rest funds I have left I just want a full report and dispute for these action even know it said payment fail they still took my money and these transactions was made from a system error cause they said payment fail still took the funds and the master debit card it went to XXXX was a card that was not in service just never updated the information but that should not have took my money please do something I wasnt aware of nun these transactions made to my account
Consumer complaint received 2024-02-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A. (IL)

Ive been trying to Open bank accounts with XXXX XXXX they wont approve me also Citi bank they approve me and sent me a card and account number now their saying they cant work with me opening a new account Ive tried XXXXXXXX XXXX and XXXX XXXX XXXXXXXX also it was checks deposited and accounts open in my name also with my credit union XXXX XXXX XXXX Im going the identity theft my car was stolen and my purse and all my personal info like my social security card all my bank cards and credit cards and a check from my insurance company now they also bought a car in my name with my social security number
Consumer complaint received 2022-08-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (CA)

On XX/XX/2022 several unauthorized transactions were made on line using my cash app card numbers totaling {$500.00} I reached out to cash app to stop payment because they were not made by me I was told I had to wait for each transaction to go clear before I could dispute them. So I waiting and I disputed all of the unauthorized transactions. Since then there has been a lot of back and forth with cash app. Now they say my dispute was denied and they will not refund my money. I don't know why they are refusing to return my money it's clear all transactions are fraud they were all made to the same company within minutes of each other. There are more that didn't go thru as well because I had no more money in my account. They drained all I had.
Consumer complaint received 2024-02-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GULF COAST COLLECTION BUREAU, INC. (FL)

Owed a medical bill with XXXX XXXXXXXX that was denied insurance payment. Went to collections with Gulf Coast Collection Bureau during insurance review, although I did start to make payment apparently days before it went to collections. Since XXXX XXXX, I paid in {$100.00} increments with the XXXX in the middle. The entire bill was {$540.00} This was paid in full with a XXXX credit balance on XXXX XXXX. The week prior was {$100.00} payment with a remaining {$200.00} balance. 

On XXXX XXXX, I got another call from Gulf Coast Collection Bureau demanding {$100.00} payment for this acct. I don't know where the additional {$8.00} was from as my odd {$48.00} payment in mid XXXX made the remaining balance at even {$100.00} 's. I received the call from XXXX, once again on XXXX XXXX. 

I advised Gulf Coast Credit Bureau the balance was paid in full with a XXXX credit. She demanded my cc or chequing number to locate the payment ( potentially debting {$100.00} - I refused ) vs the collection company verifying the debt. She then stated if I paid in full, I must have another acct and she demanded payment. I refused and she said Gulf Coast Credit Bureau will be sending a demand letter for payment. Final payment of {$100.00} was paid on XXXX but Gulf Coast Collection Bureau letter dated XXXX XXXX - almost two weeks later. 

I received the demand for payment for {$100.00} on a paid in full acct they were advised was paid. I called XXXX XXXXXXXX yesterday and was verbally told acct had XXXX credit balance and no other accts/amts existed.
Consumer complaint received 2022-09-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Block, Inc. (IN)

In XX/XX/2022 I contacted support for CashApp. My phone was stolen so I had to change my number and go through the process of getting all of my personal information transferred to my current number. CashApp proceeded to ask me a lot of personal questions which I answered in order to close my old account since it was connected to my old number and transfer my funds into my new account which I had to create since I didnt have access to that number anymore. They proceeded to give me the run around for almost 5 months and my account is still open and I still have yet to receive my funds or even be granted access. I have constantly asked for a supervisor or the fraud department and they never ever respond with a supervisor despite telling me they would. Every single time Ive tried to access my funds they dont even give me an explanation. I have contacted them at least 15 times over the past 5 months
Consumer complaint received 2024-02-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC. (LA)

I phoned first in XXXX. was placed on hold for extended periods of time as the individual could not understand where their figures came from. Was told he was goin to further look into it and I explained I would provide him time and waited approx 3 weeks to again get a reasonable response. Again I was placed on several extended holds, while each servicing officer could not determine how or why the numbers were not adding up. At this time, XXXX XX/XX/2024 I have asked for a complete accounting of my mortgage servicing provided by them as it seems no-one can accurately explain the discrepancy 's that exist is account balances. 

Also, XXXX XXXX changed my coverage and deductible amount without my consent. I will take that complaint to the insurance commissioner.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PNC Bank N.A. (OH)

Letter of validation and request of 1099c was sent to company due to reporting of charge off. there was no 1099c sent to me nor did i give consent to furnish any data on my consumer report. it is illegal to report debt that suppose to be earned income to a consumer report.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.